Coopérative Têtes Ensemble Miragoâne (COTEM)

Coopérative Têtes Ensemble Miragoâne (COTEM) is a financial cooperative serving the Nippes department of Haiti. It is a member-owned credit union that provides savings and credit services to thousands of members throughout the department. COTEM is affiliated with the Association Nationale des Caisses Populaires Haïtiennes (ANACAPH), the national association of Haitian credit unions founded in 1998.

As a cooperative financial institution, COTEM operates according to cooperative principles where members are both owners and clients. The institution focuses on serving communities in the Nippes department that often lack access to traditional commercial banking services.