Question 1

What is Cooperativa Mixta Guarumas Limitada?

Accepted Answer

Cooperativa Mixta Guarumas Limitada is a mixed-type cooperative financial institution operating in Honduras. As a "cooperativa mixta," it combines multiple cooperative functions, typically offering both savings and credit services alongside other complementary activities such as agricultural support, consumer services, or community development initiatives.

The cooperative serves its members through a democratically controlled structure, following cooperative principles of mutual aid, responsibility, and solidarity. It operates under the supervision of CONSUCOOP (Consejo Nacional Supervisor de Cooperativas), Honduras's national cooperative supervisory council.

Question 2

When was Cooperativa Mixta Guarumas Limitada founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Cooperativa Mixta Guarumas Limitada headquartered?

Accepted Answer

The specific headquarters location within Honduras is not publicly available. However, the cooperative is registered with CONSUCOOP and appears in the national registry of cooperatives in Honduras.

Question 4

Where does Cooperativa Mixta Guarumas Limitada operate?

Accepted Answer

Cooperativa Mixta Guarumas Limitada operates within Honduras, serving local communities in its designated region. Like many mixed cooperatives in Honduras, it likely focuses on providing financial services to rural or underserved communities where traditional banking infrastructure may be limited.

The cooperative operates as part of Honduras's broader cooperative movement, which includes over 2,500 savings and credit cooperatives and production cooperatives that collectively contribute approximately 5% to the country's GDP.

Question 5

What services does Cooperativa Mixta Guarumas Limitada offer?

Accepted Answer

As a mixed cooperative (cooperativa mixta), the institution typically provides:

Savings Services: Member deposit accounts and savings programs designed to promote financial inclusion and community wealth building.

Credit Services: Loans to members for productive activities, personal needs, and community development projects.

Additional Services: Mixed cooperatives often provide complementary services such as agricultural support, consumer goods distribution, technical assistance, or other community-oriented programs depending on local member needs.

The cooperative operates according to Honduras's Ley de Cooperativas (Cooperative Law) and follows regulatory standards set by CONSUCOOP.

Question 6

What makes Cooperativa Mixta Guarumas Limitada unique?

Accepted Answer

Cooperativa Mixta Guarumas Limitada represents the mixed cooperative model that is distinctive to Latin American cooperative movements. This model allows the institution to serve multiple member needs beyond pure financial services, creating a more holistic community development approach.

Mixed cooperatives in Honduras play a crucial role in financial inclusion, particularly in rural areas where traditional banks have limited presence. They operate on democratic principles where members have equal voting rights regardless of their investment size, ensuring community-based governance and decision-making.

The cooperative's registration with CONSUCOOP ensures it adheres to national cooperative standards and benefits from the supervisory framework designed to protect member interests and maintain financial stability.

Question 7

What type of financial institution is Cooperativa Mixta Guarumas Limitada?

Accepted Answer

Cooperativa Mixta Guarumas Limitada is classified as a Cooperativa Mixta (Mixed Cooperative) under Honduras's cooperative legal framework. This designation indicates it is a multi-purpose cooperative that combines savings and credit functions with other cooperative activities.

In the Honduran financial system, mixed cooperatives fall under the broader category of "Cooperativas de Otros Subsectores" (Cooperatives of Other Subsectors) when their total assets are below certain thresholds. These institutions are regulated by CONSUCOOP rather than by the Comisión Nacional de Bancos y Seguros (National Banking and Insurance Commission), which oversees larger financial institutions.

Mixed cooperatives are member-owned, democratically controlled organizations that operate according to international cooperative principles while serving the specific economic, social, and cultural needs of their communities.

Cooperativa Mixta Guarumas Limitada

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About Cooperativa Mixta Guarumas Limitada in Honduras