Question 1

What is Cooperativa de Ahorro y Crédito Valle La Leche Ltda.?

Accepted Answer

Cooperativa de Ahorro y Crédito Valle La Leche Ltda. (COOPAC Valle La Leche) is a savings and credit cooperative based in Peru. It operates as a member-owned financial institution providing intermediary financial services to its members in the Lambayeque region. The cooperative is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) under Law No. 30822, which governs cooperativas de ahorro y crédito (COOPACs) not authorized to capture resources from the public.

As a COOPAC, Valle La Leche serves its members through a mutual-aid model focused on financial inclusion and community development.

Question 2

When was Cooperativa de Ahorro y Crédito Valle La Leche Ltda. founded?

Accepted Answer

[Information not publicly available]

While specific founding details are not widely documented, the cooperative has established itself as a financial institution serving the Valle La Leche region of Lambayeque, Peru.

Question 3

Where is Cooperativa de Ahorro y Crédito Valle La Leche Ltda. headquartered?

Accepted Answer

Cooperativa de Ahorro y Crédito Valle La Leche Ltda. is headquartered in the Lambayeque region of Peru. The Valle La Leche area, from which the cooperative takes its name, is located in northern Peru and encompasses the La Leche River watershed area. This region has historically been significant for agriculture and rural development in the department of Lambayeque.

Question 4

Where does Cooperativa de Ahorro y Crédito Valle La Leche Ltda. operate?

Accepted Answer

The cooperative operates primarily in the Lambayeque region of northern Peru. The Valle La Leche area serves as the main geographic market for the institution. Lambayeque is one of Peru's coastal departments known for its agricultural activity and rural communities.

The cooperative's operations are focused on serving local communities within this region.

Question 5

What services does Cooperativa de Ahorro y Crédito Valle La Leche Ltda. offer?

Accepted Answer

COOPAC Valle La Leche provides financial intermediation services to its members, including:

Savings products: The cooperative offers various savings accounts allowing members to deposit and earn interest on their funds.

Credit facilities: Members can access loans for personal, business, and agricultural purposes, with terms designed to meet the needs of the local community.

Member benefits: Beyond financial services, the cooperative emphasizes member welfare through cooperative education programs and recreational activities during special occasions, making the cooperative an integral part of members' lives.

Financial inclusion: The institution focuses on bringing financial services to underserved populations in the rural and semi-urban areas of Lambayeque.

Digital banking services availability is not widely documented for this institution.

Question 6

What makes Cooperativa de Ahorro y Crédito Valle La Leche Ltda. unique?

Accepted Answer

COOPAC Valle La Leche distinguishes itself through its community-focused approach and commitment to member welfare beyond traditional banking. The cooperative emphasizes personal growth and well-being of its members through educational programs about cooperative principles and financial literacy.

Unlike commercial banks, it operates on cooperative principles where members are both owners and customers. The institution also organizes recreational activities and special events, fostering a sense of community and making the cooperative part of members' daily lives.

Its focus on the Valle La Leche region allows it to understand and serve the specific needs of local agricultural and rural communities.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito Valle La Leche Ltda.?

Accepted Answer

Cooperativa de Ahorro y Crédito Valle La Leche Ltda. is a Cooperativa de Ahorro y Crédito (COOPAC), which is Peru's designation for a savings and credit cooperative. COOPACs are member-owned financial institutions that operate under the General Law of Cooperatives and are supervised by the Superintendencia de Banca, Seguros y AFP (SBS).

Specifically, it is classified as a COOPAC not authorized to capture resources from the public, meaning it can only accept deposits from its members (socios cooperativos). This classification falls under Law No. 30822, which has regulated COOPACs since January 1, 2019.

The cooperative operates based on democratic principles where each member has one vote regardless of their capital contribution, and it distributes benefits to members rather than external shareholders.

Cooperativa de Ahorro y Crédito Valle La Leche Ltda.

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About Cooperativa de Ahorro y Crédito Valle La Leche Ltda. in Peru