Question 1

What is Cooperativa de Ahorro y Crédito Financia Perú?

Accepted Answer

Cooperativa de Ahorro y Crédito Financia Perú is a savings and credit cooperative operating in Peru. As a COOPAC (Cooperativa de Ahorro y Crédito), it is a member-owned financial institution focused on providing savings and lending services exclusively to its cooperative members.

The cooperative operates under Peru's cooperative financial system, which is supervised by the Superintendencia de Banca, Seguros y AFP (SBS) since January 2019 under Law N° 30822.

Question 2

When was Cooperativa de Ahorro y Crédito Financia Perú founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Cooperativa de Ahorro y Crédito Financia Perú headquartered?

Accepted Answer

[Information not publicly available]

Question 4

Where does Cooperativa de Ahorro y Crédito Financia Perú operate?

Accepted Answer

The cooperative operates within Peru, serving members in regions where it has established a presence. As a COOPAC registered with the SBS, it is authorized to operate within the Peruvian territory under the cooperative regulatory framework.

Specific branch locations and service areas are not publicly disclosed.

Question 5

What services does Cooperativa de Ahorro y Crédito Financia Perú offer?

Accepted Answer

As a savings and credit cooperative, Cooperativa de Ahorro y Crédito Financia Perú provides financial services exclusively to its cooperative members, including:

Savings Products: Deposit accounts and savings programs that allow members to accumulate funds while supporting the cooperative's lending activities.

Credit Products: Various loan products designed for member needs, including consumer loans, microenterprise financing, and other credit services typical of the COOPAC sector in Peru.

The cooperative operates on cooperative principles where members are both owners and users of the financial services.

Question 6

What makes Cooperativa de Ahorro y Crédito Financia Perú unique?

Accepted Answer

Cooperativa de Ahorro y Crédito Financia Perú operates under the cooperative model, which distinguishes it from traditional banks. Members have ownership stakes in the cooperative and participate in democratic governance through assemblies.

The cooperative focuses on financial inclusion, serving members who may have limited access to traditional banking services. This social mission prioritizes member welfare over profit maximization, with any surplus typically reinvested in the cooperative or distributed to members.

As part of Peru's regulated COOPAC system under SBS supervision, the cooperative adheres to prudential standards designed to protect member deposits while maintaining cooperative principles.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito Financia Perú?

Accepted Answer

Cooperativa de Ahorro y Crédito Financia Perú is a Cooperativa de Ahorro y Crédito (COOPAC), or savings and credit cooperative. This is a specific type of financial institution in Peru that operates as a member-owned, not-for-profit association.

COOPACs are distinct from banks in Peru. They are governed by cooperative principles including democratic member control, member economic participation, and concern for community. Under Peru's Law N° 30822, which took effect in 2019, COOPACs are supervised by the SBS under a modular regulatory scheme based on asset size.

The cooperative operates within Peru's formal financial system, providing financial intermediation services exclusively to its member-owners.

Cooperativa de Ahorro y Crédito Financia Perú

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About Cooperativa de Ahorro y Crédito Financia Perú in Peru