Question 1

What is Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima?

Accepted Answer

Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima, commonly known as CACSO PNP Santa Rosa de Lima or COOPAC SOPNP, is a closed-membership credit union serving non-commissioned officers (sub-officers) of Peru's National Police. It provides financial services exclusively to police sub-officers in active duty, reserve status, and retirement.

The cooperative is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) under Law No. 30822 and the General Law of the Financial System (Law 26702).

Question 2

When was Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima founded?

Accepted Answer

The cooperative was originally established as the Cooperativa de Ahorro y Crédito del Personal Subalterno de la Guardia Civil del Perú Ltda. N° 143 (Credit Union of Subordinate Personnel of the Civil Guard of Peru). It was officially recognized and registered with the Registry of Legal Entities in Lima.

Following Legislative Decrees No. 085 and No. 141, the cooperative modified its statutes on April 23, 1982, and adopted its current name to reflect the reorganization of Peru's police forces into the National Police (Policía Nacional del Perú). The institution has served police sub-officers for several decades.

Question 3

Where is Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima headquartered?

Accepted Answer

The cooperative is headquartered in Lima, Peru. The main office is located at Avenida Abancay N° 256 in Lima's historic center, providing convenient access for police personnel stationed in the capital.

The central Lima location allows the cooperative to serve its members throughout the metropolitan area and coordinate services for police sub-officers across Peru.

Question 4

Where does Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima operate?

Accepted Answer

The cooperative operates nationwide throughout Peru, serving police sub-officers wherever they are stationed. The institution's scope of operations covers all regions of the country, providing financial services to National Police sub-officers in active duty, those on reserve status, and retired personnel.

According to its statutes, the cooperative can establish or close branch offices nationwide as approved by the general assembly, allowing it to adapt its physical presence to members' needs.

Question 5

What services does Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima offer?

Accepted Answer

The cooperative offers comprehensive financial services tailored to police sub-officers:

Savings Products: Various savings accounts and term deposits, including Compensation for Time of Service (CTS) accounts as permitted by Peruvian law.

Credit Services: Direct loans with or without guarantees for members, structured according to the cooperative's credit regulations. Products include personal loans, consumer credit, and potentially mortgage financing.

Guarantees and Bonds: The cooperative can issue guarantees and bonds for members for specified amounts and terms, including guarantees valid for government contracting processes.

Specialized Services: Financial leasing and real estate capitalization operations with members, as well as the ability to extend credit to other cooperatives.

Investment Products: The cooperative can purchase, hold, and sell government debt securities and obligations from Peru's Central Reserve Bank.

As of recent reports, the cooperative maintains substantial capital social of approximately S/. 77,260,049 (77 million Peruvian soles).

Question 6

What makes Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima unique?

Accepted Answer

The cooperative's exclusive focus on serving National Police sub-officers creates several distinctive features:

Specialized Police Sector Service: The institution understands the unique financial circumstances, income patterns, career progression, and benefits specific to police sub-officers.

Closed Membership Model: Membership is strictly limited to police sub-officers, including those in active service, reserve status, and retirement, plus civil employees of the National Police and police academy graduates.

Long-Standing Police Partnership: With decades of service to the police community, the cooperative has built deep institutional knowledge and trust with multiple generations of police personnel.

Comprehensive Member Support: Beyond basic financial services, the cooperative promotes equality of opportunity, gender equity, non-discrimination, anti-corruption principles, and environmental preservation as transversal commitments.

Legal Expertise: The institution is experienced in providing financial guarantees for government contracting, understanding the specific requirements police personnel face in official processes.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima?

Accepted Answer

Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima is a Cooperativa de Ahorro y Crédito (Credit Union) in Peru, operating as a closed-membership cooperative.

In Peru's financial system, COOPACs are member-owned financial cooperatives governed by cooperative principles of solidarity, mutual assistance, and democratic governance. The institution is a non-profit legal entity where members are simultaneously owners and users of services.

The cooperative's liability is limited to its net assets, and members' responsibility is limited to their subscribed contributions. It operates under the General Law of Cooperatives, the General Law of the Financial System (Law 26702 as modified by Law 30822), and supervision by the SBS's Superintendencia Adjunta de Cooperativas (SACOOP).

As a closed cooperative, membership is restricted to a specific occupational group (police sub-officers), distinguishing it from open cooperatives serving the general public. The institution participates in Peru's cooperative deposit insurance system (Fondo de Seguro de Depósitos Cooperativo).

Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima

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About Cooperativa de Ahorro y Crédito de Suboficiales de la Policía Nacional del Perú Santa Rosa de Lima in Peru

Cooperativa de Ahorro y Crédito de Subofi­ciales de la Policía Nacional del Perú Santa Rosa de Lima