Question 1

What is COOPAC EFIDE?

Accepted Answer

COOPAC EFIDE (Cooperativa de Ahorro y Crédito EFIDE) is a specialized credit cooperative operating in Peru. The institution focuses primarily on providing financial services to medium-sized enterprises, with a particular emphasis on accounts receivable financing and working capital solutions.

As a regulated financial cooperative, COOPAC EFIDE serves its members through a cooperative structure, maintaining a philosophy of personalized attention while operating as a solid and efficient financial institution. The cooperative is supervised by the Superintendencia de Banca, Seguros y AFP (SBS) and operates under the framework established by Law No. 30822.

Question 2

When was COOPAC EFIDE founded?

Accepted Answer

COOPAC EFIDE was founded on January 5, 2004, with the mission of providing financial services tailored to the needs of its members. The cooperative was established as a pioneer in accounts receivable advance services in Peru, specializing in financing secured by the assignment of rights over invoices and promissory notes accepted by medium or large enterprises.

The cooperative began formal supervision and regulation by the SBS in January 2019 under the new regulatory framework for cooperatives. As of 2025, the institution has over 21 years of operational experience in the Peruvian cooperative financial sector.

Question 3

Where is COOPAC EFIDE headquartered?

Accepted Answer

COOPAC EFIDE is headquartered in Lima, Peru, specifically at Avenida El Derby No. 254, Office 1106, Urbanización El Derby, in the district of Santiago de Surco. The cooperative operates from the Lima Central Tower building, which it acquired in 2013.

The main office serves as the institution's sole physical location, occupying approximately 270 square meters. This centralized operational model aligns with the cooperative's focus on serving medium-sized enterprises primarily in the Lima metropolitan area.

Question 4

Where does COOPAC EFIDE operate?

Accepted Answer

COOPAC EFIDE operates primarily in Lima, Peru, with its operations concentrated in the capital city and surrounding metropolitan areas. The cooperative serves clients throughout the Lima region through its main office in Santiago de Surco.

While the institution's physical presence is limited to its headquarters, its member base and lending activities focus on medium-sized enterprises operating across various economic sectors within Peru, including manufacturing, services, construction, and commerce.

Question 5

What services does COOPAC EFIDE offer?

Accepted Answer

COOPAC EFIDE specializes in providing tailored financial products to its members, with a particular focus on business financing solutions. The cooperative's primary services include accounts receivable financing, where the institution advances funds secured by invoices and promissory notes from creditworthy companies.

The cooperative offers structured loans (back-to-back financing) and working capital solutions designed specifically for medium-sized enterprises. In addition to its core business lending activities, COOPAC EFIDE provides savings products for its members and limited consumer credit services.

The institution maintains membership with FENACREP (Federación Nacional de Cooperativas de Ahorro y Crédito del Perú), the national federation of savings and credit cooperatives in Peru. As a Level 2 cooperative under SBS classification, COOPAC EFIDE is authorized to conduct operations appropriate to its asset size category.

Question 6

What makes COOPAC EFIDE unique?

Accepted Answer

COOPAC EFIDE distinguishes itself through its specialized focus on accounts receivable financing for medium-sized enterprises, a niche market segment where it has developed significant expertise over more than two decades. The cooperative pioneered this service model in Peru's cooperative sector, establishing itself as a specialist in invoice and promissory note-based lending.

The institution maintains a personalized service approach despite operating from a single location, focusing on building long-term relationships with its members. COOPAC EFIDE's business model emphasizes careful credit evaluation and risk management, with lending concentrated on transactions secured by receivables from previously qualified medium and large enterprises.

The cooperative has earned risk ratings from JCR Latin America, receiving a B classification for three consecutive years through 2021. In 2023, COOPAC EFIDE entered into an agreement with GTD Peru to utilize virtual server services through their data center, demonstrating investment in technological infrastructure to support operations.

Question 7

What type of financial institution is COOPAC EFIDE?

Accepted Answer

COOPAC EFIDE is a Cooperativa de Ahorro y Crédito (Credit Union), a member-owned financial cooperative that provides savings and credit services to its members. In Peru's financial system, cooperatives like COOPAC EFIDE are classified separately from commercial banks and are regulated by the SBS through the Superintendencia Adjunta de Cooperativas (SACOOP).

As a Level 2 cooperative under the SBS modular classification system, COOPAC EFIDE falls within the asset range of greater than 600 UIT (Unidades Impositivas Tributarias) but less than or equal to 65,000 UIT. This classification determines the types of operations the cooperative is authorized to conduct and the regulatory requirements it must meet.

The cooperative structure means that members are both owners and clients of the institution, participating in governance through a General Assembly and elected councils. COOPAC EFIDE maintains capital through member contributions, with over 4,000 members as of 2023.

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