Question 1

What is Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo?

Accepted Answer

Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo is a savings and credit cooperative (COOPAC) based in Lima, Peru. It operates under the cooperative model, providing financial services exclusively to its members (socios cooperativos).

The cooperative is registered with the Superintendencia de Banca, Seguros y AFP (SBS) under the regulatory framework established by Law No. 30822 (Ley COOPAC), which came into effect in January 2019. This institution serves the local community in the Independencia district of Lima, focusing on financial inclusion and the economic development of its members.

Question 2

When was Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo founded?

Accepted Answer

The cooperative was founded on February 9, 1962. It began operations to serve the residents of the Urbanización Tahuantinsuyo neighborhood in Lima's Independencia district, providing accessible savings and credit services to the local community.

With over six decades of operation, the cooperative has maintained its commitment to serving the financial needs of its members in the northern Lima area.

Question 3

Where is Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo headquartered?

Accepted Answer

The cooperative is headquartered at Jr. Inca Roca No. 388, Urbanización Tahuantinsuyo, in the Independencia district of Lima, Peru. The location is near the Posta Médica de Independencia (Independencia Medical Center), making it accessible to the local community.

Independencia is one of the districts in northern Lima, and the cooperative has maintained its presence in this area since its founding.

Question 4

Where does Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo operate?

Accepted Answer

The cooperative primarily operates in the Lima metropolitan area, with a focus on the Independencia district and surrounding northern Lima neighborhoods. Its operations are centered on serving the local community where it was originally established.

As a community-based cooperative, it concentrates its activities within the greater Lima region, providing financial services to members in the capital city and nearby areas.

Question 5

What services does Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo offer?

Accepted Answer

As a savings and credit cooperative, Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo offers financial services exclusively to its members, including:
• Savings accounts for cooperative members
• Credit and loan services to help members meet their financial needs
• Member deposits with protection under the Fondo de Seguro de Depósitos Cooperativo (FSDC), which provides deposit insurance for COOPAC members

The cooperative operates under a membership model, where services are provided based on cooperative principles of mutual assistance and community development. Members must fulfill their obligations to the cooperative, including timely payment of contributions and adherence to the cooperative's statutes.

Question 6

What makes Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo unique?

Accepted Answer

The cooperative distinguishes itself through its deep roots in the Urbanización Tahuantinsuyo neighborhood, having served the community for over 60 years. It maintains a focus on financial inclusion for residents in the Independencia district, an area where traditional banking services may be limited.

The cooperative uses the commercial brand "Credisuyo" (registered trademark: "Credisuyo Cooperando Sí Se Crece"), reflecting its identity as a community-based financial institution. Its long-standing presence in northern Lima demonstrates its commitment to serving the financial needs of local families and small businesses.

As a registered member of the FSDC, deposits held by members are protected, providing security for savings in accordance with Peru's cooperative banking regulations.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo?

Accepted Answer

Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo is a Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público (COOPAC), which translates to a Savings and Credit Cooperative Not Authorized to Capture Resources from the Public.

Under Peru's financial system, COOPACs are cooperative associations that provide savings and credit services exclusively to their members (socios cooperativos), not to the general public. The SBS directly supervises these institutions through the Superintendencia Adjunta de Cooperativas (SACOOP) under a modular regulatory framework based on asset size and operational complexity.

COOPACs are distinct from banks and other financial entities in that they operate according to cooperative principles, where members are both owners and users of the services. The institution is classified as a cooperative under Peru's legal framework for financial cooperatives (Cooperativas SAIS Capital Social).

Question 8

What regulatory framework governs Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo?

Accepted Answer

The cooperative operates under Law No. 30822 (Ley COOPAC), which established direct supervision of COOPACs by the SBS beginning January 1, 2019. Prior to this law, cooperatives operated under indirect supervision through the Federación Nacional de Cooperativas de Ahorro y Crédito del Perú (FENACREP).

The current regulatory framework implements a modular supervision system with three levels based on total assets, allowing for proportional regulation that adjusts to each cooperative's size, complexity, and risk profile. The cooperative is listed as a member of the FSDC, which began providing deposit coverage in February 2025, offering protection for member deposits up to specified limits.

The SBS supervision includes requirements for proper accounting practices, risk management, corporate governance, and operational transparency to ensure the cooperative's solvency and protect member interests.

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About Cooperativa de Ahorro y Crédito Urbanización Tahuantinsuyo in Peru

Cooperativa de Ahorro y Crédito Urbani­zación Tahuan­tinsuyo