Question 1

What is Tahuacoop?

Accepted Answer

Tahuacoop, officially known as Cooperativa de Ahorro y Crédito Promoción Tahuantinsuyo 1946 Ltda, is a savings and credit cooperative (COOPAC) operating in Peru. As a Level 2 cooperative under the Peruvian modular supervisory scheme established by Law 30822, Tahuacoop serves its members by providing financial services focused on savings, credit, and member welfare. The cooperative is supervised by the Superintendencia de Banca, Seguros y AFP (SBS) through the Superintendencia Adjunta de Cooperativas (SACOOP).

The institution operates as a non-profit financial cooperative, adhering to traditional cooperative principles of member ownership and democratic governance.

Question 2

When was Tahuacoop founded?

Accepted Answer

While the cooperative's name includes "1946" in reference to its origins, official registration documents indicate that Tahuacoop began its activities on April 25, 1960. The cooperative was registered with the National Registry on March 1, 2019, under registration number 000177-2019-REG.COOPAC-SBS, following the implementation of Peru's new cooperative regulatory framework.

The cooperative celebrates its anniversary on August 2nd each year, marking over six decades of service to its members in the Lima metropolitan area.

Question 3

Where is Tahuacoop headquartered?

Accepted Answer

Tahuacoop's main office is located at Avenida Andrés Aramburu 1005, Urbanización Limatambo, in the San Isidro district of Lima, Peru. San Isidro is a prominent financial and commercial district in the capital city, providing the cooperative with strategic access to its member base.

The headquarters serves as the primary location for member services, administrative operations, and the cooperative's governance activities.

Question 4

Where does Tahuacoop operate?

Accepted Answer

Tahuacoop primarily operates in the Lima metropolitan area, with its main office serving members throughout Peru's capital region. According to available information, the cooperative has approximately 12 employees and operates as a relatively compact institution focused on serving its local membership base.

Member reviews and testimonials indicate that while the cooperative has a presence in Lima, there have been historical requests for expanded representation in provincial areas, particularly in regions like Cusco, to better serve members located outside the capital.

Question 5

What services does Tahuacoop offer?

Accepted Answer

As a Level 2 COOPAC, Tahuacoop is authorized to offer a range of financial services to its members, including:

Savings Products:
• Regular savings accounts for members
• Deposit accounts with competitive interest rates
• Member capital contributions (aportaciones)

Credit Services:
• Personal loans for members
• Credit facilities subject to cooperative evaluation and approval
• Various loan products tailored to member needs

Additional Member Benefits:
• Death benefit coverage for members and their immediate family
• Partnerships with health, education, and funeral service institutions
• Financial protection programs for member welfare

The cooperative has recently expanded its payment options, now accepting payments through Banco BBVA to improve member convenience. Members can submit payment vouchers via email with identification documentation.

Question 6

What makes Tahuacoop unique?

Accepted Answer

Tahuacoop distinguishes itself through several characteristics:

Member-Centric Approach: The cooperative emphasizes its commitment to serving members' immediate financial needs, with testimonials highlighting its responsiveness during financial emergencies. Member feedback consistently notes the cooperative's reliability and quick service delivery according to its statutes.

Regulatory Compliance: Tahuacoop holds the designation of "Buen Contribuyente" (Good Taxpayer) from SUNAT (Peru's tax authority), reflecting its fiscal responsibility and transparency. The cooperative is also registered with Peru's National Provider Registry for potential government contracting.

Social Welfare Focus: Beyond traditional financial services, Tahuacoop maintains partnerships with health, education, and funeral service providers, demonstrating a holistic approach to member welfare that extends beyond purely financial considerations.

Longevity and Stability: With over 60 years of operations (since 1960), the cooperative has demonstrated sustained commitment to serving its membership through various economic cycles in Peru.

Question 7

What type of financial institution is Tahuacoop?

Accepted Answer

Tahuacoop is classified as a Cooperativa de Ahorro y Crédito (COOPAC) - a savings and credit cooperative under Peruvian financial regulation. Specifically, it operates as a Level 2 COOPAC according to the modular supervisory scheme established by Law 30822.

This classification means Tahuacoop has total assets between 600 UIT (Unidad Impositiva Tributaria) and 65,000 UIT, positioning it as a mid-sized cooperative within Peru's cooperative financial sector. As a Level 2 institution, it can perform operations beyond basic deposit-taking and lending, including issuing debit cards, providing avenues and guarantees for state contracting processes, and engaging in financial leasing with its members.

Unlike traditional banks that operate for profit and serve the general public, COOPACs in Peru are member-owned financial cooperatives that exclusively serve their associates. They are regulated and supervised by the SBS through SACOOP, and their deposits are covered by the Fondo de Seguro de Depósitos Cooperativo (FSDC), which provides coverage up to S/5,000 per member in accordance with SBS Resolution 5061-2018.

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About Tahuacoop in Peru