Question 1

What is Cooperativa de Ahorro y Crédito Todos los Santos de Chota?

Accepted Answer

Cooperativa de Ahorro y Crédito Todos los Santos de Chota (also known as COOPAC Todos los Santos de Chota Ltda. 560) is a Peruvian savings and credit cooperative serving the Chota province in the Cajamarca region. The cooperative is registered in Peru's National Registry of COOPACs under number 000108-2019-REG.COOPAC-SBS with RUC 20212387755. As a Level 2 institution, the cooperative provides a comprehensive range of financial services to its members in one of Peru's northern highland regions, supporting economic development and financial inclusion in rural and semi-urban areas of Cajamarca.

Question 2

When was Cooperativa de Ahorro y Crédito Todos los Santos de Chota founded?

Accepted Answer

Cooperativa de Ahorro y Crédito Todos los Santos de Chota was founded on April 18, 1964, making it one of the oldest and most established financial cooperatives in the Cajamarca region. With over 60 years of institutional history, the cooperative has served multiple generations of members, adapting through decades of economic, social, and regulatory changes while maintaining its commitment to cooperative principles and community service. The cooperative was formally inscribed in the SBS National Registry on February 18, 2019, under the regulatory framework established by Law No. 30822.

Question 3

Where is Cooperativa de Ahorro y Crédito Todos los Santos de Chota headquartered?

Accepted Answer

Cooperativa de Ahorro y Crédito Todos los Santos de Chota is headquartered in Chota, Cajamarca region, Peru. The cooperative's main office is located at Jr. 30 de Agosto 606 in the city of Chota, which serves as the provincial capital. Chota is situated in the northern highlands of Peru, in the Cajamarca department, and the cooperative's presence there has been a constant for over six decades.

Question 4

Where does Cooperativa de Ahorro y Crédito Todos los Santos de Chota operate?

Accepted Answer

The cooperative operates primarily in Chota province within the Cajamarca region of northern Peru. The institution serves members across the Chota district and surrounding areas in the province. Chota is located in Peru's northern highlands, an area characterized by agricultural activity, livestock farming, and rural communities. The cooperative plays a vital role in providing financial services to populations that may have limited access to traditional banking services.

Question 5

What services does Cooperativa de Ahorro y Crédito Todos los Santos de Chota offer?

Accepted Answer

Cooperativa de Ahorro y Crédito Todos los Santos de Chota offers comprehensive financial services tailored to the needs of its rural and semi-urban membership, including:

Savings Products: Various savings account types, time deposits, and member capital contributions that provide secure savings options with competitive interest rates.

Credit Products: Diverse loan products including agricultural loans, livestock financing, business loans, personal credit, consumer loans, and microfinance solutions designed to support farmers, small business owners, and household needs.

Payment Services: As a Level 2 cooperative, the institution offers expanded transaction and payment services beyond basic deposit and loan products.

Member Services: Cooperative governance participation through general assemblies, financial education programs, and community development initiatives.

All services are available exclusively to cooperative members, consistent with the closed-membership model.

Question 6

What makes Cooperativa de Ahorro y Crédito Todos los Santos de Chota unique?

Accepted Answer

With over 60 years of history, Cooperativa de Ahorro y Crédito Todos los Santos de Chota stands as one of the longest-established financial cooperatives in the Cajamarca region. The cooperative's longevity reflects its resilience, adaptability, and deep commitment to serving the Chota community through generations. The name "Todos los Santos" (All Saints) reflects the cooperative's values and community orientation. As a Level 2 cooperative, the institution operates with greater capacity than smaller Level 1 cooperatives. The cooperative is incorporated into the Fondo de Seguro de Depósitos Cooperativo (FSDC), providing deposit insurance protection for member savings. Its focus on rural and agricultural financing makes it an essential financial partner for the highland farming communities of Chota.

Question 7

What type of financial institution is Cooperativa de Ahorro y Crédito Todos los Santos de Chota?

Accepted Answer

Cooperativa de Ahorro y Crédito Todos los Santos de Chota is a Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público (Savings and Credit Cooperative Not Authorized to Capture Resources from the Public). Operating as a Level 2 cooperative under Peru's modular regulatory framework, the institution has greater operational capacity, larger asset base, and expanded service offerings compared to Level 1 cooperatives, while still serving exclusively its member-owners and not accepting deposits from the general public. The cooperative is regulated by the Superintendencia de Banca, Seguros y AFP (SBS) through the Superintendencia Adjunta de Cooperativas (SACOOP), in accordance with Law No. 30822, Law No. 26702, Resolution SBS No. 0480-2019, and related regulations governing Peru's cooperative financial sector.

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