Question 1

What is Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda?

Accepted Answer

Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda is a workers' credit union serving employees of the Pueblo Libre District Municipality in Peru. As a closed-bond credit cooperative (cooperativa de ahorro y crédito), it operates as a member-owned financial institution providing savings and credit services exclusively to municipal workers and their families.

The cooperative is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) and operates under Peru's cooperative financial system framework. It follows the cooperative principles of democratic member control, voluntary membership, and mutual economic support.

Question 2

When was Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda headquartered?

Accepted Answer

The cooperative is headquartered in Pueblo Libre, a district in the Lima Province of Peru. As a credit union serving municipal employees, it operates within the jurisdiction of the Pueblo Libre District Municipality.

Question 4

Where does Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda operate?

Accepted Answer

The cooperative operates primarily in the Pueblo Libre district and surrounding areas of Lima, Peru. Its operations are focused on serving the financial needs of workers employed by the Municipalidad Distrital de Pueblo Libre (Pueblo Libre District Municipality).

Given its closed-bond nature, membership and services are restricted to municipal employees, retirees, and their immediate family members within this specific geographical and employment scope.

Question 5

What services does Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda offer?

Accepted Answer

As a workers' credit union, the cooperative offers basic financial services to its members, including:

Savings Products: Members can maintain savings accounts and fixed-term deposits to build their financial reserves.

Credit Services: The cooperative provides personal loans to members, typically secured against their savings or guaranteed through payroll deduction.

Member Benefits: As a cooperative, members benefit from democratic governance, with each member having equal voting rights regardless of their savings balance. The cooperative operates on the principle of mutual aid among municipal workers.

Services are delivered through the cooperative's office, with transactions typically processed through direct payroll arrangements with the municipality.

Question 6

What makes Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda unique?

Accepted Answer

The cooperative's defining characteristic is its exclusive focus on serving employees of the Pueblo Libre District Municipality. This closed-bond structure creates a tight-knit financial community where all members share a common employment connection.

Operating as a non-profit financial cooperative, all surplus income is returned to members through improved services, better interest rates, or dividends. The cooperative emphasizes financial inclusion for municipal workers who may have limited access to traditional banking services.

The institution operates under supervision of the SBS, ensuring compliance with Peruvian cooperative banking regulations and providing members with regulatory oversight and financial protection.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda?

Accepted Answer

Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda is classified as a Cooperativa de Ahorro y Crédito (COOPAC) in Peru's financial system. This is a credit union or savings and credit cooperative.

More specifically, it is a closed-bond or restricted membership cooperative, serving only employees of a specific employer (the Pueblo Libre District Municipality). COOPACs are member-owned financial institutions that operate on cooperative principles, providing savings and credit services to their members while being regulated by the SBS under Law No. 26702 (General Law of the Financial and Insurance System) and Law No. 30822 (Law that Regulates Credit Unions).

Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda

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About Cooperativa de Ahorro y Crédito de los Trabajadores de la Municipalidad Distrital de Pueblo Libre Ltda in Peru

Cooperativa de Ahorro y Crédito de los Trabaj­adores de la Munici­palidad Distrital de Pueblo Libre Ltda