Question 1

What is Cooperativa de Ahorro y Crédito Integraperu?

Accepted Answer

Cooperativa de Ahorro y Crédito Integraperu (COOPAC Integraperu) is a savings and credit cooperative operating in Peru. It is a member-owned financial institution that provides savings and lending services exclusively to its cooperative members.

The cooperative operates under the regulatory framework of the Superintendencia de Banca, Seguros y AFP (SBS), which has supervised Peru's COOPAC system since January 2019 under Law 30822. As a COOPAC, it functions as an associative entity without profit-seeking objectives, focusing instead on generating welfare for its members through financial services.

Question 2

When was Cooperativa de Ahorro y Crédito Integraperu founded?

Accepted Answer

Cooperativa de Ahorro y Crédito Integraperu commenced operations on September 11, 2019, according to official registration records from Peru's tax authority (SUNAT). The cooperative was registered with RUC number 20605243721.

The institution was established shortly after the implementation of Law 30822, which brought Peru's cooperative savings and credit sector under comprehensive SBS supervision for the first time in January 2019.

Question 3

Where is Cooperativa de Ahorro y Crédito Integraperu headquartered?

Accepted Answer

The cooperative is headquartered in Espinar, a province in the Cusco region of Peru. Its legal address is located at Calle Alfonso Ugarte Nro. 600 (at the corner with Avenida Sol, identified by a gray gate), in the district and province of Espinar.

Espinar is situated in the southeastern highlands of Peru, part of the broader Cusco region known for its mining activities and agricultural communities.

Question 4

Where does Cooperativa de Ahorro y Crédito Integraperu operate?

Accepted Answer

The cooperative primarily operates in the Cusco region of Peru, with its base in Espinar province. As a locally-focused COOPAC, it serves communities in the southern highlands region.

The institution is registered under registration number 000432-2019-REG.COOPAC-SBS with the SBS, indicating its formal authorization to conduct savings and credit operations within Peru's regulated cooperative financial system.

Question 5

What services does Cooperativa de Ahorro y Crédito Integraperu offer?

Accepted Answer

As a Level 1 COOPAC under Peru's modular supervisory scheme, Cooperativa de Ahorro y Crédito Integraperu offers core financial services to its cooperative members, including:

Savings Services: The cooperative accepts deposits from its members, excluding current accounts and CTS (Compensación por Tiempo de Servicios) deposits, which are reserved for higher-level cooperatives.

Credit Services: It provides direct loans to cooperative members, both secured and unsecured, according to the institution's internal credit regulations.

Additional Services: The cooperative may offer complementary activities that support its core operations, provided these align with SBS regulations and do not distort the cooperative's fundamental purpose.

All services are provided exclusively to cooperative members, as COOPACs are not authorized to accept deposits from or extend credit to the general public.

Question 6

What makes Cooperativa de Ahorro y Crédito Integraperu unique?

Accepted Answer

Cooperativa de Ahorro y Crédito Integraperu distinguishes itself through its commitment to serving the Espinar community in Peru's highland region. As a cooperative established under the modern regulatory framework of Law 30822, it operates with contemporary governance and risk management standards.

The institution embodies the cooperative principles outlined in Peru's General Cooperatives Law, prioritizing member welfare over profit generation. Its location in Espinar positions it to serve communities that may have limited access to traditional banking services.

The cooperative maintains member protection through its participation in the Fondo de Seguro de Depósitos Cooperativo (Cooperative Deposit Insurance Fund), which provides coverage for member deposits in the event of dissolution or liquidation.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito Integraperu?

Accepted Answer

Cooperativa de Ahorro y Crédito Integraperu is classified as a Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público (COOPAC) - a Savings and Credit Cooperative Not Authorized to Accept Deposits from the Public.

This institutional type is specific to Peru's financial system and represents associative, not-for-profit entities that intermediate savings and provide credit exclusively to their cooperative members. COOPACs are supervised by the SBS through the Superintendencia Adjunta de Cooperativas (Cooperative Supervision Office).

Under Peru's modular supervisory scheme established by Law 30822, Integraperu operates as a Level 1 COOPAC, the foundational tier that permits basic savings and credit operations. The cooperative is owned by its members, who contribute to its capital and participate in governance through democratic decision-making processes.

Unlike traditional banks or financial institutions authorized to serve the general public, COOPACs like Integraperu can only provide services to individuals who become cooperative members by acquiring shares in the institution.

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