Question 1

What is Cooperativa de Ahorro y Crédito Pacura Aguan?

Accepted Answer

Cooperativa de Ahorro y Crédito Pacura Aguan Limitada is a community-based savings and credit cooperative operating in Honduras. The institution serves members in the Colón department, specifically in the Aguan Valley region. As a member-owned financial cooperative, it provides accessible financial services to local communities in one of Honduras's important agricultural regions.

The cooperative is affiliated with FACACH (Federación de Cooperativas de Ahorro y Crédito de Honduras), the national federation of credit unions in Honduras, which represents 88 credit cooperatives serving approximately 850,000 members across the country.

Question 2

When was Cooperativa de Ahorro y Crédito Pacura Aguan founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Cooperativa de Ahorro y Crédito Pacura Aguan headquartered?

Accepted Answer

The cooperative is headquartered in Colón department, Honduras. According to FACACH records, the institution maintains offices at Edificio Comercial Usula 3 Call Blv. Carlos Turbull, Frente Cuerpo de Bomberos (across from the Fire Department).

The office is located in the Aguan Valley area, a region known for its agricultural production in northern Honduras.

Question 4

Where does Cooperativa de Ahorro y Crédito Pacura Aguan operate?

Accepted Answer

The cooperative operates primarily within the Colón department in northern Honduras, serving communities in the Aguan Valley region. This area is characterized by agricultural activity and rural communities.

As a locally-focused credit union, it concentrates its services on members within its geographic region, consistent with the cooperative model of serving a defined community of interest.

Question 5

What services does Cooperativa de Ahorro y Crédito Pacura Aguan offer?

Accepted Answer

As a savings and credit cooperative, the institution offers core financial services including:

Savings accounts for members to build financial reserves and access cooperative benefits.

Credit and loan products designed to meet the financial needs of members, including personal loans, agricultural financing, and microenterprise credit.

Member education and financial literacy programs, consistent with cooperative principles and FACACH's educational mission.

The cooperative operates under the mutual aid model, where members are both owners and customers of the institution.

Question 6

What makes Cooperativa de Ahorro y Crédito Pacura Aguan unique?

Accepted Answer

The cooperative distinguishes itself through its focus on serving the Aguan Valley community, an agricultural region that often has limited access to traditional banking services. Its member-owned structure ensures that financial services are designed to meet local needs rather than external profit motives.

As a FACACH-affiliated cooperative, it benefits from the federation's technical support, capacity building, and access to financial management tools. FACACH provides training, technological infrastructure, and representation before government authorities.

The cooperative operates according to the seven international cooperative principles, including democratic member control, member economic participation, and concern for community.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito Pacura Aguan?

Accepted Answer

Cooperativa de Ahorro y Crédito Pacura Aguan is a credit union (cooperativa de ahorro y crédito), which is the Honduran equivalent of a member-owned financial cooperative. In Honduras, credit unions are distinct from commercial banks and are governed by the Ley de Cooperativas de Honduras (Honduran Cooperatives Law).

The institution is supervised by CONSUCOOP (Consejo Nacional Supervisor de Cooperativas), the National Supervisory Council of Cooperatives, which is a decentralized state institution with autonomous authority over cooperative regulation and supervision. CONSUCOOP establishes prudential norms for capital adequacy, liquidity management, loan portfolio evaluation, and risk management specific to Honduran credit unions.

As a first-degree cooperative (primary cooperative), it provides direct services to individual members rather than operating as a federation or secondary institution.

Cooperativa de Ahorro y Crédito Pacura Aguan

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About Cooperativa de Ahorro y Crédito Pacura Aguan in Honduras