Question 1

What is Lima Ltda. C.M.A.C.Con.P.S.?

Accepted Answer

Lima Ltda. C.M.A.C.Con.P.S. (Cooperativa Multiactiva de Ahorro y Crédito, Consumo, Producción y Servicios) is a multiactivity savings and credit cooperative based in Paraguay. The full name indicates it is a multipurpose cooperative offering savings, credit, consumption, production, and service activities to its members.

This institution operates under the cooperative model, which emphasizes democratic member control, mutual self-help, and community development. As a cooperative in Paraguay, it is regulated by the Instituto Nacional de Cooperativismo (INCOOP), the national cooperative authority.

Question 2

When was Lima Ltda. C.M.A.C.Con.P.S. founded?

Accepted Answer

Based on INCOOP records, Lima cooperative (Registration No. 1044) appears in the national cooperative registry. The cooperative was established to serve its members through a multiactivity model, combining financial services with production and consumption activities.

The institution was formally recognized and registered with INCOOP, appearing in the national cooperative database as a properly constituted financial cooperative institution.

Question 3

Where is Lima Ltda. C.M.A.C.Con.P.S. headquartered?

Accepted Answer

Lima Ltda. C.M.A.C.Con.P.S. is headquartered in Paraguay. As a Paraguayan cooperative, it operates under the jurisdiction and supervision of INCOOP, the national cooperative regulatory authority.

The institution does not maintain a public website, which is common for smaller or community-focused cooperatives in Paraguay.

Question 4

Where does Lima Ltda. C.M.A.C.Con.P.S. operate?

Accepted Answer

Lima Ltda. C.M.A.C.Con.P.S. operates in Paraguay, serving members within the national territory. As a cooperative institution, its geographic scope is determined by its membership base and the communities it serves.

Paraguayan cooperatives typically focus on specific geographic regions or communities. They can expand their operations as their membership grows.

Question 5

What services does Lima Ltda. C.M.A.C.Con.P.S. offer?

Accepted Answer

As a multiactivity cooperative (C.M.A.C.Con.P.S.), Lima provides a comprehensive range of services including:

Savings Services (Ahorro): Deposit accounts allowing members to save funds, typically including savings accounts at sight (ahorro a la vista) and fixed-term deposits (plazo fijo). These accounts generate interest for members.

Credit Services (Crédito): Loans to members for various purposes including consumption, production activities, housing, and working capital. Cooperatives often provide more accessible credit terms than traditional banks.

Consumption Services (Consumo): Services related to the acquisition of goods and services for members' consumption needs, which may include purchasing programs or consumer financing.

Production Services (Producción): Support for members' productive activities, which may include financing for agricultural activities, small businesses, or other economic ventures.

Additional Services (Servicios): Supplementary services that may include solidarity funds, education programs, insurance products, and community development initiatives.

Question 6

What makes Lima Ltda. C.M.A.C.Con.P.S. unique?

Accepted Answer

Lima stands out as a multiactivity cooperative that combines financial services with production and consumption support. This integrated approach allows members to access not only savings and credit facilities but also assistance with their productive and consumption activities.

The cooperative model emphasizes member ownership and democratic governance. Each member has one vote regardless of their capital contribution, ensuring equal participation in decision-making.

As a cooperative, Lima operates according to the seven international cooperative principles, including open membership, democratic member control, member economic participation, and concern for community. Surpluses are distributed to members as patronage refunds based on their use of cooperative services, not on capital invested.

Question 7

What type of financial institution is Lima Ltda. C.M.A.C.Con.P.S.?

Accepted Answer

Lima Ltda. C.M.A.C.Con.P.S. is classified as a Cooperativa Multiactiva de Ahorro y Crédito (Multiactivity Savings and Credit Cooperative) under Paraguayan cooperative law. This is a distinct institutional type in Paraguay's financial system.

In Paraguay, cooperatives are regulated under Law 438/94 (Ley de Cooperativas) and Law 2157/03, with oversight provided by INCOOP. The institution operates in the savings and credit sector, which is one of the three main cooperative sectors in Paraguay alongside production cooperatives and other types.

According to INCOOP's typification system, cooperatives are classified into Types A, B, or C based on their asset size. Type C cooperatives (those with assets less than 5,000,000,000 Guaraníes for savings and credit cooperatives) are typically smaller, community-focused institutions. Lima appears to be registered as a Type C cooperative, indicating it serves a more localized membership base.

The multiactivity designation means Lima can offer diverse services beyond simple savings and credit, distinguishing it from specialized cooperatives that focus on a single activity.

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