Question 1

What is Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT?

Accepted Answer

Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT is a specialized credit union (cooperativa de ahorro y crédito) that serves employees of the Superintendencia Nacional de Aduanas y de Administración Tributaria (SUNAT), Peru's tax and customs administration agency. As a worker-focused cooperative, it operates exclusively to provide financial services to SUNAT employees and their families.

This institution is classified as a COOPAC (Cooperativa de Ahorro y Crédito no autorizada a captar recursos del público) under Peruvian financial regulations, meaning it is a credit union not authorized to capture deposits from the general public and operates only with its member-owners.

Question 2

When was Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT headquartered?

Accepted Answer

The cooperative's headquarters location is not publicly disclosed. However, given its exclusive focus on serving SUNAT workers, it likely operates in or near Lima, where SUNAT's main headquarters is located at Avenida Garcilaso de la Vega 1472.

Question 4

Where does Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT operate?

Accepted Answer

The cooperative operates throughout Peru, serving SUNAT employees across the country. SUNAT, with approximately 20,700 employees nationwide, maintains offices and customs facilities in all 25 departments of Peru.

This geographic distribution enables the credit union to provide financial services to tax administration workers in various regional locations, supporting financial inclusion among public sector employees in both urban centers and more remote areas where SUNAT operates.

Question 5

What services does Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT offer?

Accepted Answer

As a worker-focused credit union, the cooperative provides core financial services to its member-owners, including:
• Savings accounts for SUNAT employees and their families
• Credit products including personal loans and potentially other credit facilities
• Member-only financial services designed specifically for public sector workers

The cooperative operates under the principle of mutual assistance, where members are both owners and users of the financial services. All services are restricted to socios cooperativos (cooperative members), in accordance with COOPAC regulations.

Question 6

What makes Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT unique?

Accepted Answer

The cooperative's defining characteristic is its exclusive focus on SUNAT workers, Peru's tax administration employees. This specialization allows it to tailor products and services to the specific needs and income patterns of public sector tax administration professionals.

As a closed-bond credit union, membership is restricted to individuals affiliated with SUNAT. This creates a strong sense of community and shared purpose among members who work for the same institution.

The cooperative embodies the cooperative principles of democratic member control, where each member has equal voting rights regardless of the size of their deposits or loans. This ensures that SUNAT workers have direct control over their financial institution's governance and operations.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT?

Accepted Answer

Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT is a COOPAC (Cooperativa de Ahorro y Crédito no autorizada a captar recursos del público), which is Peru's classification for credit unions that serve only their members and are not authorized to accept deposits from the general public.

COOPACs are supervised by the Superintendencia de Banca, Seguros y AFP (SBS) under Ley N° 30822, which established comprehensive regulation and supervision of Peru's credit union sector effective January 1, 2019. Previously, these institutions were supervised by FENACREP (Federación Nacional de Cooperativas de Ahorro y Crédito del Perú).

The SBS employs a modular supervision scheme with three levels based on total assets. COOPACs at different levels face varying regulatory requirements and are authorized to offer different ranges of financial products and services.

Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT

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About Cooperativa de Ahorro y Crédito de Trabajadores de la SUNAT in Peru

Cooperativa de Ahorro y Crédito de Trabaj­adores de la SUNAT