Question 1

What is Cooperativa de Ahorro y Crédito Coopcenter?

Accepted Answer

Cooperativa de Ahorro y Crédito Coopcenter (COOPAC Coopcenter) is a savings and credit cooperative operating in Peru. As a COOPAC, it is a member-owned financial institution that provides savings and credit services exclusively to its members (socios). Formerly known as Cooperativa de Ahorro y Crédito la Central Ltda., the institution operates under Peru's cooperative financial system framework.

Coopcenter is a small-scale cooperative with approximately 2 employees, serving its community through personalized financial services. Like all Peruvian COOPACs, it operates based on cooperative principles emphasizing member welfare, financial inclusion, and mutual assistance.

Question 2

When was Cooperativa de Ahorro y Crédito Coopcenter founded?

Accepted Answer

Cooperativa de Ahorro y Crédito Coopcenter commenced operations on March 7, 2019, following its registration with Peru's tax authority (SUNAT) under RUC number 20604342857. The cooperative was originally established as Cooperativa de Ahorro y Crédito la Central Ltda. before adopting its current name, Coopcenter.

The institution was founded during a period of significant regulatory transformation in Peru's cooperative financial sector, just months after the new COOPAC Law (Law 30822) came into effect in January 2019, which established the modern regulatory framework for savings and credit cooperatives in Peru.

Question 3

Where is Cooperativa de Ahorro y Crédito Coopcenter headquartered?

Accepted Answer

Coopcenter is headquartered in Villa María del Triunfo, a district in the southern part of Lima, Peru. The cooperative's legal address is Av. 27 de Diciembre Nro. 1050 Zona Tablada (Paradero 18).

Villa María del Triunfo is one of Lima's populous districts, home to working-class communities and small businesses that represent the cooperative's target member base.

Question 4

Where does Cooperativa de Ahorro y Crédito Coopcenter operate?

Accepted Answer

Cooperativa de Ahorro y Crédito Coopcenter operates primarily in the Lima metropolitan area, specifically serving the communities in and around Villa María del Triunfo district. As a local cooperative, its operations are focused on providing accessible financial services to residents and small business owners in this southern Lima community.

The cooperative's geographic focus reflects the traditional COOPAC model of serving specific communities or localities, enabling close relationships with members and tailored financial solutions.

Question 5

What services does Cooperativa de Ahorro y Crédito Coopcenter offer?

Accepted Answer

As a COOPAC registered with Peru's Superintendencia de Banca, Seguros y AFP (SBS), Coopcenter offers core savings and credit services to its members, including:

Savings Products: Member deposit accounts and savings programs designed to promote financial discipline and capital accumulation among cooperative members.

Credit Products: Various loan products tailored to member needs, including consumer loans, microenterprise financing, and emergency credit facilities.

Member Services: Cooperative-specific benefits such as participation in governance through general assemblies, access to financial education, and potential participation in surplus distribution.

The cooperative does not maintain a public website, reflecting its focus on direct, community-based service delivery rather than digital channels.

Question 6

What makes Cooperativa de Ahorro y Crédito Coopcenter unique?

Accepted Answer

Coopcenter's distinctiveness lies in its deep community roots and cooperative structure. As a member-owned institution, every client is simultaneously an owner with voting rights and the ability to participate in the cooperative's governance and strategic decisions.

The cooperative serves a specific geographic community in southern Lima, allowing for personalized service and intimate knowledge of local economic conditions. Its relatively small size enables flexible decision-making and responsiveness to member needs that larger financial institutions may not provide.

Additionally, Coopcenter has earned recognition as a "Buen Contribuyente" (Good Taxpayer) from SUNAT, demonstrating compliance and good standing with Peru's tax authority. The cooperative is also registered in the National Registry of Suppliers, qualifying it to conduct business with the Peruvian government.

Question 7

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

Accepted Answer

Cooperativa de Ahorro y Crédito Coopcenter is a Cooperativa de Ahorro y Crédito (COOPAC), which is the Peruvian designation for a savings and credit cooperative. In Peru's financial system, COOPACs are distinct from banks and other traditional financial institutions because they:
• Operate as member-owned, not-for-profit associations
• Serve only their members (socios), not the general public
• Follow cooperative principles of democratic governance, with each member having one vote regardless of capital contribution
• Are supervised by the SBS under Law 30822, which established a modular regulatory framework based on asset size
• Are not authorized to capture resources from the public or operate with non-members

COOPACs play an important role in Peru's financial system by promoting financial inclusion and providing access to credit and savings services for underserved populations, particularly in local communities where traditional banks may have limited presence.

Cooperativa de Ahorro y Crédito Coopcenter

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About Cooperativa de Ahorro y Crédito Coopcenter in Peru