Question 1

What is Cooperativa San Isidro?

Accepted Answer

Cooperativa San Isidro (officially registered as COOPERATIVA DE AHORRO Y CREDITO SAN ISIDRO) is a savings and credit cooperative operating in Peru. The institution specializes in providing financial services to its member-owners, focusing on accessible credit and savings products for individuals and small businesses.

As a COOPAC (Cooperativa de Ahorro y Crédito), it operates under Peru's cooperative financial system framework, serving its community with a member-centered approach. The cooperative is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) under Peru's modular supervision scheme for credit unions.

Question 2

When was Cooperativa San Isidro founded?

Accepted Answer

Cooperativa San Isidro was founded on January 19, 1958, making it one of the established financial cooperatives in Peru. The institution was created to provide accessible financial services to its local community, following the cooperative principles of mutual aid and member ownership.

Over its more than six decades of operation, the cooperative has evolved from a small community-based institution to a regulated financial entity serving multiple locations across Peru.

Question 3

Where is Cooperativa San Isidro headquartered?

Accepted Answer

Cooperativa San Isidro is headquartered in Huaral, Lima region, Peru. The main office is located at Av. Jorge Chávez No. 338, Huaral, Lima.

The cooperative's headquarters serves as the central administrative and operational hub for its network of offices throughout the region.

Question 4

Where does Cooperativa San Isidro operate?

Accepted Answer

Cooperativa San Isidro operates primarily in the Lima region of Peru, with its main presence in Huaral and surrounding districts within the province. The cooperative maintains a regional focus, serving communities in the northern Lima area.

The institution's operational footprint is concentrated in areas where it can effectively serve its member base while maintaining the close community connections characteristic of cooperative financial institutions.

Question 5

What services does Cooperativa San Isidro offer?

Accepted Answer

Cooperativa San Isidro offers a range of financial products tailored to its members' needs, including:

Savings Products:
• Ahorro Libre (free savings)
• Ahorritos (children's savings)
• Súper Plazo (fixed-term deposits)
• CTS (Compensación por Tiempo de Servicios - employment compensation accounts)

Credit Products:
• Credi Mi Negocio (business loans)
• Credi Emprendedor (entrepreneur loans)
• Credi Chamba (employment-related loans)
• Credi Líquido (liquid credit/personal loans)

The cooperative operates a website at https://coopsi.com.pe where members can access information about products and services. Customer service is available by phone at (01) 246-1035, with office hours Monday through Friday from 8:40 AM to 6:00 PM and Saturdays from 8:40 AM to 1:00 PM.

Question 6

What makes Cooperativa San Isidro unique?

Accepted Answer

Cooperativa San Isidro distinguishes itself through its cooperative ownership model, where members are both owners and users of the institution's services. This structure prioritizes member benefits over profit maximization.

The cooperative's brand promise "Financia Tu Bienestar" (Financing Your Well-being) reflects its commitment to improving members' quality of life through accessible financial services. Customer reviews have historically highlighted the institution's quick credit approval process, transparent guidance, and competitive rates without hidden fees such as ITF charges or excessive commissions.

As a regulated COOPAC, the institution participates in the Fondo de Seguro de Depósitos Cooperativo (FSDC), which provides deposit insurance coverage for member deposits, enhancing the security of savings.

Question 7

What type of financial institution is Cooperativa San Isidro?

Accepted Answer

Cooperativa San Isidro is a Cooperativa de Ahorro y Crédito (COOPAC), which is Peru's designation for a savings and credit cooperative. This type of institution is equivalent to a credit union in other jurisdictions.

COOPACs are mutual financial institutions owned and controlled by their members, operating on cooperative principles rather than for profit. Under Peruvian law (specifically Law No. 30822, enacted in 2018), COOPACs are regulated by the Superintendencia de Banca, Seguros y AFP (SBS) through its Superintendencia Adjunta de Cooperativas (SACOOP).

Cooperativa San Isidro operates under Peru's modular supervision scheme, which categorizes cooperatives based on their size and complexity. The institution is registered with the National Registry of COOPACs and is supervised according to regulatory standards that respect cooperative principles while ensuring sound risk management and member protection.

Cooperativa San Isidro

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About Cooperativa San Isidro in Peru