Question 1

What is Caja Popular Peñitas?

Accepted Answer

Caja Popular Peñitas is a Sociedad Cooperativa de Ahorro y Préstamo (SOCAP) based in León, Guanajuato, Mexico. As an authorized cooperative savings and loan institution, it operates as a not-for-profit financial entity focused on providing savings and credit services exclusively to its members. The cooperative serves local communities in Guanajuato with multiple branch locations throughout the León metropolitan area.

Caja Popular Peñitas is authorized and supervised by the Comisión Nacional Bancaria y de Valores (CNBV), Mexico's National Banking and Securities Commission, ensuring regulatory compliance and operational transparency.

Question 2

When was Caja Popular Peñitas founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Caja Popular Peñitas headquartered?

Accepted Answer

Caja Popular Peñitas is headquartered in León, Guanajuato, Mexico. The main office is located at Salida Los Gómez #823, Col. Peñitas, in the city of León.

This location serves as the central operations hub for the cooperative's network of branches throughout the region.

Question 4

Where does Caja Popular Peñitas operate?

Accepted Answer

Caja Popular Peñitas operates exclusively within the state of Guanajuato, Mexico, with a primary concentration in the city of León. The cooperative maintains 13 branch locations spread across various neighborhoods in León, including Peñitas, Los Castillos, Las Joyas, Agua Azul, Jardines de San Sebastián, Flores Magón, El Retiro, Barrio de San Juan de Dios, Jardines de Oriente, San Juan Bosco, Jardines de San Pedro, San Isidro, and Oriental Anaya.

All branches operate Monday through Friday from 9:00 AM to 3:00 PM, with Saturday hours from 9:00 AM to 2:00 PM. This local presence allows the cooperative to serve communities throughout León's metropolitan area.

Question 5

What services does Caja Popular Peñitas offer?

Accepted Answer

Caja Popular Peñitas provides a range of financial services exclusively to its members, including:

Savings Products: The cooperative offers deposit accounts (Depósitos a la Vista) with no minimum balance requirements and no maintenance fees. These accounts are available to members once they have paid their social share of 1,000 Mexican pesos and completed membership documentation.

Credit Services: Members can access various loan products for personal consumption, business development, home remodeling, vehicle purchase, and education expenses. The cooperative emphasizes helping members achieve financial goals through accessible credit.

Membership Benefits: As a cooperative, all services are designed for member benefit rather than profit maximization. Members have voting rights in cooperative governance regardless of their capital contribution.

Deposit Protection: All savings deposits are protected by the Fondo de Protección (FOCOOP) up to 25,000 UDIS (Investment Units) per member, providing security for member deposits.

Question 6

What makes Caja Popular Peñitas unique?

Accepted Answer

Caja Popular Peñitas operates under the cooperative principle of mutual assistance, where members are both owners and users of financial services. This structure prioritizes community benefit over profit generation. The cooperative also brands itself as "Caja Popular Alianza Peñitas," emphasizing its alliance-based approach to member service.

Unlike traditional banks, the cooperative focuses exclusively on serving its member base rather than the general public. This membership model allows for more personalized service and community-focused financial products.

The institution's extensive presence throughout León's neighborhoods provides accessible financial services to communities that may have limited access to traditional banking infrastructure.

Question 7

What type of financial institution is Caja Popular Peñitas?

Accepted Answer

Caja Popular Peñitas is a Sociedad Cooperativa de Ahorro y Préstamo (SOCAP), which is a savings and loan cooperative. In Mexico, SOCAPs are recognized as part of the social sector of the financial system under the Ley para Regular las Actividades de las Sociedades Cooperativas de Ahorro y Préstamo (LRASCAP).

These institutions are not-for-profit entities organized under cooperative principles, where members pool their resources to provide mutual financial assistance. SOCAPs differ from banks in that they operate without speculative intent and serve only their members.

As an authorized SOCAP, Caja Popular Peñitas must maintain regulatory compliance with CNBV requirements and participate in the FOCOOP deposit protection fund, which provides oversight and protection for member deposits.

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