Question 1

What is Rondesa?

Accepted Answer

Rondesa (Cooperativa de Ahorro y Crédito Rondas y Desarrollo) is a savings and credit cooperative based in Cajamarca, Peru. The institution specializes in providing financial services to rural communities and members of peasant patrol organizations (Rondas Campesinas). Rondesa operates under the supervision of Peru's Superintendencia de Banca, Seguros y AFP (SBS).

Question 2

When was Rondesa founded?

Accepted Answer

Rondesa was founded on April 10, 2002, following an organizational process that began in September 2000. The cooperative emerged from a rural credit program that started in 1994 through FEROCAFENOP (Federación de Rondas Campesinas Femeninas del Nororiente del Perú) in partnership with Asociación PROMOVIENDO.

The founding assembly took place in Cajamarca with 32 founding members. The cooperative was formally registered on May 16, 2002, and began its first operations on June 20, 2002, with initial loans totaling 14,300 US dollars to 8 members. The initial capital came from asset transfers made by SOS FAIM, a Belgian non-governmental organization that provided crucial technical and financial support.

Question 3

Where is Rondesa headquartered?

Accepted Answer

Rondesa is headquartered in Cajamarca, with its main office located at Jr. El Bosque 346 in the city of Cajamarca, in northern Peru. The institution maintains its administrative center in this historic Andean city.

Question 4

Where does Rondesa operate?

Accepted Answer

Rondesa operates across multiple provinces in the Cajamarca and La Libertad regions of northern Peru. The cooperative has established a network of agencies to serve rural communities:

Cajamarca Region: Main office in Cajamarca city, with agencies in Jesús (the site of its first operations), Chilete (established June 2009), Celendín (established April 2012), and San Miguel (established March 2016).

La Libertad Region: Agency in Huamachuco (established February 2015).

This geographic distribution reflects Rondesa's commitment to reaching underserved rural areas where traditional banking presence is limited.

Question 5

What services does Rondesa offer?

Accepted Answer

Rondesa provides comprehensive financial services tailored to rural and agricultural communities:

Credit Products: 
• Personal credit (Crédito Personal)
• Liquid guarantee credit (automatic loans backed by fixed-term deposits or savings)
• Credialtoque (quick-access credit for consumption and microenterprise)
• PYME credit (financing for small and medium enterprises)
• Agricultural credit (Agropecuario) for farming, livestock, production, and commercialization activities
• Vehicle loans (Crédito Vehicular)

Savings Products:
• Current savings accounts (Ahorro Corriente) with flexible deposits
• Fixed-term deposits (Depósito a Plazo Fijo) with competitive interest rates
• Children's savings accounts (Ahorro Infantil) for minors

Payment Services: Bill payment services for utilities including electricity and water, with specialized arrangements with service providers.

Digital Services: The cooperative offers online operations through its website at coopacrondesa.com, allowing members to access their accounts remotely.

Financial Education: Rondesa conducts training courses and capacity-building programs for its members.

Question 6

What makes Rondesa unique?

Accepted Answer

Rondesa stands out for its origins in the peasant patrol (Rondas Campesinas) movement, specifically designed to serve rural communities that historically lacked access to formal financial services. The name itself reflects this heritage, combining "Rondas" with "Desarrollo" (development).

The cooperative has demonstrated remarkable growth from its humble beginnings with 32 founding members to serving thousands across multiple provinces. Its expansion strategy focuses on areas where large financial institutions typically do not operate.

Rondesa emphasizes productive chain financing and agricultural lending, with specialized products for farming and livestock activities. This rural focus, combined with its cooperative values of solidarity and mutual assistance, makes it particularly relevant for communities engaged in agricultural production.

The institution is incorporated into the Fondo de Seguro de Depósitos Cooperativo (FSDC), providing deposit insurance for member savings.

Question 7

What type of financial institution is Rondesa?

Accepted Answer

Rondesa is a Cooperativa de Ahorro y Crédito (COOPAC), the Peruvian designation for a savings and credit cooperative. It operates as a COOPAC not authorized to capture public deposits, meaning it serves exclusively its cooperative members.

Under Peru's cooperative financial system, Rondesa is regulated by the SBS through Law 30822 (effective January 2019) and the General Regulation for COOPACs (Resolution SBS 0480-2019). As a member-owned institution, it prioritizes service to its associates over profit maximization, operating under cooperative principles of democratic governance, voluntary membership, and mutual aid.

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About Rondesa in Peru