Question 1

What is Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada?

Accepted Answer

Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada, commonly known as COOPCLARET, is a savings and credit cooperative based in Honduras. The cooperative serves members primarily in the Atlántida region, offering traditional cooperative financial services with a focus on community development and financial inclusion. As a member-owned financial institution, COOPCLARET operates under Honduras' cooperative law framework and is regulated by the Consejo Nacional Supervisor de Cooperativas (CONSUCOOP).

COOPCLARET is an established cooperative with approximately 50 years of service history. The institution focuses on providing accessible financial services to its member-owners in rural and semi-urban communities.

Question 2

When was Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada founded?

Accepted Answer

COOPCLARET was founded on May 30, 1995, in the community of Santa Rosa del Norte, Mezapa, in the Atlántida department of Honduras. The cooperative was established by founding members from the local community who sought to create a member-owned financial institution to address the economic needs of residents in rural areas.

The cooperative has evolved over nearly three decades to become a significant financial institution in its service area. Celebrating over 50 years of collective cooperative trajectory in the region, COOPCLARET has maintained its commitment to cooperative principles and values throughout its operational history.

Question 3

Where is Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada headquartered?

Accepted Answer

COOPCLARET is headquartered in the municipality of Tela, in the department of Atlántida, Honduras. The cooperative's main office (Oficina Principal) is located in the urban center of Tela, which serves as the administrative and operational hub for the institution.

Tela is a coastal city on Honduras' northern Caribbean coast, providing strategic access to both urban and rural communities in the Atlántida region.

Question 4

Where does Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada operate?

Accepted Answer

COOPCLARET operates primarily in the Atlántida department of Honduras, with a particular focus on the municipality of Tela and surrounding communities. The cooperative serves members in rural areas including Santa Rosa del Norte, Mezapa, Los Laureles, and other communities in the region.

The cooperative's service area encompasses both coastal and inland communities in northern Honduras. As a community-based cooperative, COOPCLARET maintains strong ties to the agricultural and rural populations in the Atlántida department.

Question 5

What services does Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada offer?

Accepted Answer

COOPCLARET offers traditional savings and credit cooperative services to its members, including:

Savings Products: The cooperative accepts member deposits through savings accounts (cuentas de ahorro) and term deposits (depósitos a plazo), providing members with secure savings options and competitive interest rates.

Credit Services: COOPCLARET provides various loan products to members, including personal loans, agricultural loans, microloans, consumer loans, and loans for small business development. Credit services are designed to support members' economic activities and personal financial needs.

Member Capital Accounts: As a cooperative, COOPCLARET maintains member aportaciones (capital contributions), which represent member ownership in the cooperative and may earn returns based on the cooperative's financial performance.

Financial Education: The cooperative provides financial literacy and cooperative education to members, helping them understand cooperative principles and improve their financial management skills.

The cooperative operates under the regulatory framework of CONSUCOOP and follows Honduran cooperative banking regulations. Services are provided exclusively to members of the cooperative.

Question 6

What makes Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada unique?

Accepted Answer

COOPCLARET distinguishes itself through its deep roots in rural communities of the Atlántida region. Founded by community members in Mezapa, the cooperative maintains a strong commitment to serving agricultural and rural populations that may have limited access to traditional banking services.

The cooperative operates under a democratic governance structure with member participation through a delegate system. Members elect representatives to serve on the Junta Directiva (Board of Directors) and Junta de Vigilancia (Supervisory Board), ensuring member control and oversight of the institution.

COOPCLARET emphasizes community development and social responsibility alongside financial services. The cooperative has demonstrated resilience through economic challenges while maintaining focus on member service and institutional stability.

With approximately five decades of institutional experience in the region, COOPCLARET has established itself as a trusted financial partner for its member communities in northern Honduras.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada?

Accepted Answer

COOPCLARET is a Cooperativa de Ahorro y Crédito (Savings and Credit Cooperative), which is a specific type of financial cooperative recognized under Honduran law. In Honduras, savings and credit cooperatives are member-owned financial institutions that operate under the principles of the international cooperative movement.

These cooperatives are regulated by CONSUCOOP and the Comisión Nacional de Banca y Seguros (CNBS) when they reach certain asset thresholds. They differ from commercial banks in their ownership structure (member-owned rather than shareholder-owned), their focus on serving members rather than maximizing profits, and their commitment to cooperative principles including democratic control and community benefit.

As a cooperativa de ahorro y crédito, COOPCLARET is classified as a financial cooperative institution under Honduras' cooperative legal framework, distinct from commercial banks (bancos), savings and loan associations, or microfinance institutions.

Cooperativa de Ahorro y Crédito San Antonio María Claret Limitada

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