18 de mayo de 2009

Un hogar de cáscaras de arroz

¿Cómo atender la necesidad de vivienda en la población de escasos recursos económicos? Este proyecto brinda una solución al problema

El Comercio - Perú

César Ruiz y Rafael García Palacios se conocieron estudiando Administración en la Universidad Nacional de Piura y años después en Lima una idea los volvió a reunir. Aunque ambos crecieron rodeados de fierro y cemento, sabían que un problema de su ciudad natal es la precariedad de la vivienda, muchas levantadas solo a base de quincha y barro. ¿Se podría hacer una empresa para cubrir esta necesidad? ¿Cómo construir con materiales que resulten baratos y a la vez seguros? Respuesta: uno de los desechos que más abunda en el norte del país es la cáscara de arroz y con este insumo, Ruiz y García elaboraron un plan para fabricar tableros aglomerados. Pero, ¿por qué no ir más allá? Hoy el plan involucra la fabricación de casas con estos tableros.

Aunque inicialmente la mezcla incluía también a la algarroba (por tratarse de un recurso piurano) se descartó luego de realizar pruebas en Lima y comprobar el mal olor que emitía si se la juntaba en un bloque con adhesivos químicos y cáscara de arroz. Ruiz dice que adquirir el insumo principal no tiene costo, “más bien vamos a entrar a limpiar los molinos”. Actualmente solo una cantidad mínima de cáscaras de arroz se usa como combustible en hornos de ladrilleras y el resto se desecha.

DISEÑO DEL PLAN
Durante la investigación para armar el plan de negocios, César Ruiz y Rafael García encontraron que empresas y universidades de Argentina y México ya habían hecho pruebas de laboratorio que comprueban que los aglomerados con cáscara de arroz no propagan el fuego, son aislantes del frío y del calor, contienen la humedad e impiden el ataque de hongos y bacterias.

La inversión para operar una planta de fabricación de los tableros aglomerados supera los dos millones de dólares, especialmente por el alto costo de la maquinaria. Los autores de este proyecto tuvieron la oportunidades de comunicarse con representantes de Imal, una empresa italiana que vende las máquinas para comprensión y provee la infraestructura para los procesos que llevarán a convertir un conjunto de cáscaras de arroz y resinas adhesivas en tableros sólidos. Los fabricantes italianos le dijeron a Ruiz que incluso hicieron algunas pruebas de este material con un cliente de la India, del que no volvieron a tener noticia. Por ahora, si buscamos en el mercado nacional, se encuentran aglomerados que mezclan bagazo de la caña de azúcar con pino radiata.

Este proyecto indica que la capacidad instalada de la planta sería de 46.000 m3 anuales, con la intención de mantener en operaciones solo 6.430 m3 durante el primer año, para luego ocupar el resto en una producción que se espera crezca 20% cada año. En el primero de ellos se proyecta generar ventas de US$1’935.000 del que resultará una utilidad neta de US$ 732.420.

Para que los clientes puedan pagar por las casas prefabricadas, se buscará que la financien a través de un banco o caja municipal.

Este plan de negocio fue uno de las ganadores de la primera edición de la competencia Idea tu Empresa, organizada por Technoserve y auspiciada por El Comercio. Recibió US$5.000 de la Fundación Avina por ser una idea con impacto positivo en el medio ambiente. Ahora, sus autores se encuentran en busca de financiamiento.

LAS CLAVES
1. El mercado objetivo del proyecto se definió en base al Censo Poblacional y de Vivienda del INEI 2007, según el cual en el Perú existen 144.511 viviendas construidas con material de estera y 183.862 viviendas con material de quincha. En las ciudades de Lima y Piura donde comenzarán las operaciones de la empresa hay más de 128.000 viviendas con estas condiciones de construcción.

2. De acuerdo con la investigación del mercado potencial se definió un perfil que caracterizaría a sus clientes: buscan materiales de bajo costo, desarmables y de fácil transporte, no tienen acceso a créditos de vivienda de bajo costo y carecen de una capacidad de pago en cuotas altas.

3. El proyecto plantea financiar la construcción de casas a través de un banco o caja. Actualmente no existe un formato de crédito para viviendas dirigidas a los NSE D y E. En el primer año se estima construir 1.200 viviendas y luego crecer 20% cada año.

4. Para llegar al público objetivo y convencerlo de la factibilidad del proyecto, los autores mostrarían las casas directamente en las zonas de pobreza.

EL DATO
Si desea más información sobre este proyecto puede escribir al correo electrónico de César Ruiz: clrr73@hotmail.com

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