Question 1

What is Coopsegerande Ltda.?

Accepted Answer

Coopsegerande Ltda. (full name: Cooperativa Multiactiva de Ahorro y Crédito, Seguros de Electricidad Residentes de ANDE Limitada) is a multiactivity savings and credit cooperative in Paraguay serving current and retired employees of the Administración Nacional de Electricidad (ANDE), Paraguay's national electricity administration. As a member-based financial institution, it operates under Paraguay's cooperative framework to provide financial services specifically tailored to the electricity sector workforce.

The cooperative is registered with and supervised by the Instituto Nacional de Cooperativismo (INCOOP), Paraguay's national cooperative institute.

Question 2

When was Coopsegerande Ltda. founded?

Accepted Answer

[Information not publicly available]

The specific founding date of Coopsegerande Ltda. has not been documented in publicly available sources. However, the cooperative is part of a broader movement of employee cooperatives in Paraguay that emerged to serve workers of major state enterprises and institutions.

Question 3

Where is Coopsegerande Ltda. headquartered?

Accepted Answer

[Information not publicly available]

While Coopsegerande Ltda. operates in Paraguay and serves ANDE employees, the specific headquarters location has not been disclosed in public records. Given ANDE's national presence with offices throughout Paraguay, the cooperative likely maintains facilities accessible to its member base.

Question 4

Where does Coopsegerande Ltda. operate?

Accepted Answer

Coopsegerande Ltda. operates throughout Paraguay, serving ANDE employees and residents across the country. ANDE maintains a nationwide electricity distribution network covering over 1.6 million customers with 99% national coverage, and Coopsegerande's membership reflects this geographic distribution.

The cooperative's operational reach aligns with ANDE's infrastructure, which includes regional offices and facilities in all Paraguayan departments.

Question 5

What services does Coopsegerande Ltda. offer?

Accepted Answer

As a multiactivity savings and credit cooperative (Cooperativa Multiactiva de Ahorro y Crédito), Coopsegerande Ltda. provides:

Savings Services: Members can deposit funds in various savings account modalities, including sight deposits and term deposits, earning competitive returns on their savings.

Credit Services: The cooperative extends loans to members for personal needs, including consumer loans, housing financing, and emergency credit facilities.

Insurance Services: As indicated by "Seguros" in its full name, the cooperative offers insurance protection products designed for electricity sector workers.

Member Benefits: Additional solidarity services typical of Paraguayan cooperatives, which may include subsidies for life events, educational support, and mutual aid programs.

All services are provided exclusively to members under cooperative principles of self-help and mutual benefit.

Question 6

What makes Coopsegerande Ltda. unique?

Accepted Answer

Coopsegerande Ltda. is specifically designed to serve the financial needs of ANDE's workforce, making it one of Paraguay's specialized employee cooperatives. This focus allows it to understand and address the particular financial circumstances, risks, and opportunities faced by electricity sector workers.

The cooperative's name emphasizes its insurance component ("Seguros"), highlighting protection services for electrical workers who face occupational hazards. This specialized approach differentiates it from general-purpose credit cooperatives.

With approximately 1,572 registered members according to INCOOP records, Coopsegerande represents a significant portion of ANDE's employee base, creating a strong community of mutual support among electricity sector professionals.

Question 7

What type of financial institution is Coopsegerande Ltda.?

Accepted Answer

Coopsegerande Ltda. is classified as a Cooperativa Multiactiva de Ahorro y Crédito (Multiactivity Savings and Credit Cooperative) under Paraguay's cooperative legal framework. This institutional type is regulated by INCOOP pursuant to Law 438/94 and its implementing regulations.

Unlike commercial banks supervised by the Central Bank of Paraguay (Banco Central del Paraguay), cooperatives like Coopsegerande operate under a different regulatory regime focused on member ownership, democratic governance, and mutual benefit principles. The cooperative is owned and controlled by its members, who are both customers and shareholders.

As a multiactivity cooperative, it can offer a broader range of services beyond basic savings and credit, including insurance and other member benefits, distinguishing it from single-purpose cooperatives.

Question 8

Who can become a member of Coopsegerande Ltda.?

Accepted Answer

Membership in Coopsegerande Ltda. is restricted to current and retired employees of ANDE (Administración Nacional de Electricidad) and their resident family members. This closed-bond membership structure is typical of employee cooperatives in Paraguay.

Prospective members must meet eligibility criteria, which typically include proof of employment or retirement from ANDE, completion of membership applications, payment of membership shares, and adherence to the cooperative's statutes and regulations. The cooperative's focused membership base strengthens solidarity and ensures services are tailored to the specific needs of the electricity sector workforce.

Coopsegerande Ltda.

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About Coopsegerande Ltda. in Paraguay

Coopse­gerande Ltda.