Question 1

What is Caja San Isidro?

Accepted Answer

Caja San Isidro is a savings and loan cooperative (Sociedad Cooperativa de Ahorro y Préstamo) based in Coahuila, Mexico. Founded in May 1989, the cooperative has been serving communities in northern Mexico for over three decades. The institution operates six branch locations throughout Coahuila, providing accessible financial services to members in areas that often have limited banking options.

Caja San Isidro is authorized by the Comision Nacional Bancaria y de Valores (CNBV) and offers deposit insurance protection for member savings.

Question 2

When was Caja San Isidro founded?

Accepted Answer

Caja San Isidro was founded in May 1989 as a cooperative association dedicated to savings and loan activities. The cooperative was established to provide accessible financial services to communities in Coahuila that lacked adequate banking infrastructure.

Over its more than 35 years of operation, the cooperative has grown from its initial founding to serve multiple communities across the state, receiving formal authorization from the CNBV to operate as a regulated savings and loan cooperative.

Question 3

Where is Caja San Isidro headquartered?

Accepted Answer

Caja San Isidro's headquarters is located at Teran 503, Oriente Zona Centro, in Morelos, Coahuila, postal code 26500. This central location serves as the main administrative office and operational center for the cooperative's activities throughout the region.

Question 4

Where does Caja San Isidro operate?

Accepted Answer

Caja San Isidro operates exclusively in the state of Coahuila, with six branch locations strategically positioned to serve communities across the region. These branches are located in Allende, Navas, Piedras Negras, Zaragoza, Villaunion, and Morelos (where the headquarters is based).

This network allows the cooperative to reach members in both urban centers and smaller communities throughout Coahuila.

Question 5

What services does Caja San Isidro offer?

Accepted Answer

Caja San Isidro provides a comprehensive range of financial services to its members. These include savings accounts with competitive interest rates, fixed-term investment products with various maturity periods, and multiple credit options including personal loans, productive loans for business activities, and consumer financing.

The cooperative also offers complementary services such as remittance services, utility bill payment facilities, financial education programs, and funeral protection benefits for members. All deposits are protected by the Fondo de Proteccion (FOCOOP) insurance fund up to 25,000 UDIs per member, equivalent to approximately 212,000 pesos.

Question 6

What makes Caja San Isidro unique?

Accepted Answer

Caja San Isidro's longevity—over 35 years of continuous operation—demonstrates its commitment to serving Coahuila communities. The cooperative operates on mutual aid principles, where members are simultaneously owners and users of financial services, with democratic governance ensuring equal voting rights for all members.

The institution's focus on northern Mexico communities, particularly in areas with limited banking access, has made it an essential financial resource. Its sustained presence and growth reflect the trust members place in the cooperative model and its ability to meet local financial needs.

Question 7

What type of financial institution is Caja San Isidro?

Accepted Answer

Caja San Isidro is a Sociedad Cooperativa de Ahorro y Préstamo (SOCAP), which is Mexico's legal framework for savings and loan cooperatives. SOCAPs are non-profit financial institutions that belong to the social economy sector.

The cooperative is authorized and supervised by the Comision Nacional Bancaria y de Valores (CNBV) under the Ley para Regular las Actividades de las Sociedades Cooperativas de Ahorro y Préstamo. This regulatory framework ensures the institution maintains sound financial practices, proper governance structures, and member deposit protection through mandatory participation in the cooperative deposit insurance system.

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