Question 1

What is Cooperativa Mixta Americana Limitada?

Accepted Answer

Cooperativa Mixta Americana Limitada is a first-degree mixed cooperative operating in Honduras. As a mixed cooperative (cooperativa mixta), it combines multiple service functions under one organizational structure.

According to the official registry maintained by CONSUCOOP (Consejo Nacional Supervisor de Cooperativas), the cooperative is classified as a savings and credit institution with mixed designation, indicating it may offer both financial services and other cooperative activities. The cooperative operates under the Ley de Cooperativas de Honduras (Honduran Cooperatives Law), Decree No. 65-87, which governs all cooperative entities in the country.

Question 2

When was Cooperativa Mixta Americana Limitada founded?

Accepted Answer

Cooperativa Mixta Americana Limitada was officially registered and granted legal personality on October 23, 2015. It was assigned registration number 2017000136 and classification code 136-I-II by CONSUCOOP.

The cooperative was established during a period of significant growth in the Honduran cooperative sector, particularly in the savings and credit subsector.

Question 3

Where is Cooperativa Mixta Americana Limitada headquartered?

Accepted Answer

The cooperative is headquartered in La Ceiba, the capital city of the Atlántida department on the northern Caribbean coast of Honduras.

La Ceiba is Honduras' third-largest city and serves as an important commercial and industrial hub for the northern coastal region. The city's strategic location and economic activity make it a suitable base for cooperative financial services.

Question 4

Where does Cooperativa Mixta Americana Limitada operate?

Accepted Answer

Cooperativa Mixta Americana Limitada primarily operates in the Atlántida department, particularly serving the La Ceiba area and surrounding communities.

As a first-degree cooperative (Primer Grado), it directly serves individual members (cooperativistas) rather than other cooperative organizations. Its operations are concentrated in the northern coastal region of Honduras, an area with significant agricultural, commercial, and tourism activity.

Question 5

What services does Cooperativa Mixta Americana Limitada offer?

Accepted Answer

As a mixed cooperative with savings and credit as its primary activity, Cooperativa Mixta Americana Limitada offers financial services to its members, which typically include:

Savings Products: The cooperative accepts deposits from members, including savings accounts and term deposits, helping members build financial security.

Credit Services: The cooperative provides loans to members for various purposes, including consumption, housing, education, and potentially microenterprise development.

Member Services: As a cooperative, it operates on democratic principles where each member has one vote regardless of capital contribution. Members receive education on cooperative principles and financial literacy.

The cooperative does not maintain a public website, consistent with many smaller, community-focused cooperatives in Honduras that serve local member bases.

Question 6

What makes Cooperativa Mixta Americana Limitada unique?

Accepted Answer

Cooperativa Mixta Americana Limitada operates under the mutual aid and democratic governance principles that define the cooperative movement in Honduras.

Several distinctive characteristics include:

Democratic Ownership: Each member has equal voting rights (one member, one vote), regardless of their capital contribution, ensuring equitable participation in governance.

Local Focus: The cooperative serves its local community in La Ceiba and surrounding areas, maintaining close relationships with members and understanding local economic conditions.

Solidarity Economics: Operating under cooperative values of mutual aid, responsibility, democracy, equity, solidarity, and honesty, the institution prioritizes member welfare over profit maximization.

Regulatory Compliance: The cooperative operates under CONSUCOOP supervision, ensuring adherence to prudential regulations designed to protect member deposits and maintain institutional soundness.

Question 7

What type of financial institution is Cooperativa Mixta Americana Limitada?

Accepted Answer

Cooperativa Mixta Americana Limitada is classified as a Mixed Cooperative (Cooperativa Mixta) with savings and credit as its principal activity.

In Honduras, mixed cooperatives are authorized to combine multiple service functions. According to Article 51 of the Ley de Cooperativas de Honduras, mixed cooperatives may establish multiple activities in their statutes. For Cooperativa Mixta Americana Limitada, savings and credit services form the core function, though the mixed designation allows flexibility to provide additional services to members.

The institution is a first-degree cooperative (Primer Grado), meaning it directly serves individual members rather than acting as a federation of other cooperatives. It operates under the supervision of CONSUCOOP, the autonomous government entity responsible for applying cooperative legislation and controlling cooperative entities in Honduras.

As a financial cooperative, it differs from commercial banks in its mutual ownership structure, democratic governance, and focus on serving member needs rather than maximizing returns to external shareholders.

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