Question 1

What is Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P.?

Accepted Answer

Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. is a multiactive cooperative located in Ciudad del Este, Alto Paraná, Paraguay. The acronym C.M.A.C.Con.T.V.S.P. stands for Cooperativa Multiactiva de Ahorro y Crédito, Consumo, Trabajo, Vivienda, Servicios, y Producción (Multiactive Cooperative of Savings and Credit, Consumption, Work, Housing, Services, and Production). It is a community-based financial institution serving residents of the Alto Paraná region.

The cooperative specializes in providing housing solutions and financial services to low and middle-income families who have limited access to traditional banking services.

Question 2

When was Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. founded?

Accepted Answer

Che Poty Pyahu Ltda. was founded in 2016 by a group of neighbors in the barrio Ciudad Nueva of Ciudad del Este. What began as an informal community initiative among residents seeking to achieve homeownership evolved into a formally registered cooperative two years later.

The founding members, including President Lila Quintana and Treasurer Anastasio Nuñez, established the cooperative to address the significant housing deficit in the Alto Paraná region. By 2018, the cooperative had grown to more than 235 members and continued expanding its mission to reach 1,000 members.

Question 3

Where is Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. headquartered?

Accepted Answer

The cooperative is headquartered in Ciudad del Este, Alto Paraná department, Paraguay. Ciudad del Este is Paraguay's second-largest city and an important commercial center located near the borders with Brazil and Argentina.

The cooperative also operates development projects in multiple locations, including at kilometer 10 and kilometer 22 along major routes in the region.

Question 4

Where does Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. operate?

Accepted Answer

Che Poty Pyahu Ltda. operates primarily in the Alto Paraná department of Paraguay, with a focus on Ciudad del Este and surrounding communities. The cooperative has established housing projects at kilometer 10 and kilometer 22 along Route 7, extending its reach to rural and peri-urban areas.

The cooperative serves residents throughout the Alto Paraná region, particularly those in communities with limited access to traditional financial institutions and housing programs.

Question 5

What services does Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. offer?

Accepted Answer

As a multiactive cooperative, Che Poty Pyahu Ltda. offers a diverse range of services including:

Housing Services: Development and allocation of affordable housing through cooperative housing projects. Members participate in savings programs and raffles to obtain homes with land included.

Financial Services: Savings and credit programs designed to help members finance housing, entrepreneurship, and other family needs. The cooperative provides access to preferential interest rates compared to commercial banks.

Production Support: Assistance for aquaculture and agricultural production projects, helping members develop income-generating activities. The cooperative advocates for members to access government credit programs with favorable terms.

Community Development: Social programs focused on improving the economic conditions of member families through cooperative principles of mutual aid and solidarity.

Question 6

What makes Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. unique?

Accepted Answer

Che Poty Pyahu Ltda. distinguishes itself through its grassroots approach to addressing housing inequality in Paraguay. The cooperative emerged directly from community organizing efforts, demonstrating how neighbors can collectively solve housing challenges.

The cooperative implements innovative housing allocation methods, including raffles and collective savings programs that make homeownership accessible to families who would otherwise be excluded from traditional mortgage markets. In November 2018, the cooperative conducted its first housing raffle, awarding a home valued at approximately 100 million guaraníes, located within a private condominium.

The institution also actively advocates for policy changes, including enforcement of Law 40/50 which establishes preferential conditions for aquaculture producers, demonstrating its commitment to both housing and productive economic activities for members.

Question 7

What type of financial institution is Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P.?

Accepted Answer

Che Poty Pyahu Ltda. is a Cooperativa Multiactiva (Multiactive Cooperative), a specific type of financial institution recognized under Paraguayan law. This classification is governed by Law 438/94 on Cooperatives and supervised by the Instituto Nacional de Cooperativismo (INCOOP).

Multiactive cooperatives in Paraguay are authorized to engage in multiple lines of cooperative activity simultaneously, including savings and credit, consumption, housing, production, work, and services. They operate under democratic principles where members are both owners and users of the services.

Unlike commercial banks, cooperatives are non-profit organizations focused on member welfare rather than profit maximization. They are subject to INCOOP's regulatory framework rather than Central Bank supervision, following specific regulations for cooperative financial institutions.

Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P.

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About Che Poty Pyahu Ltda. C.M.A.C.Con.T.V.S.P. in Paraguay

Che Poty Pyahu Ltda. C.M.A.­C.Con.­T.V.S.­P.