Question 1

What is Unicom?

Accepted Answer

Unicom is a multiactive cooperative in Paraguay that specializes in serving medical professionals and their families. Officially registered as Cooperativa Multiactiva de Ahorro, Crédito, Consumo, Servicios y Trabajo Médico "Unicom" Limitada, the institution combines financial services with prepaid medical services. Operating primarily in the Concepción Department, Unicom is regulated by INCOOP (Instituto Nacional de Cooperativismo), Paraguay's National Cooperative Institute.

The cooperative focuses on improving the economic, professional, and moral conditions of its members through cooperative principles and democratic governance.

Question 2

When was Unicom founded?

Accepted Answer

Unicom was founded on January 5, 2003, in the city of Concepción, capital of the Concepción Department in Paraguay. The cooperative was initially established as a medical workers' cooperative.

The institution received its legal recognition through Executive Decree No. 22472 on July 13, 1993. It was subsequently re-registered as COOPERATIVA MULTIACTIVA DE TRABAJO UNICOM LTDA. through INCOOP Resolution No. 131 on November 18, 1997, which approved the new social statute adapted to Law No. 438/94 and its regulation 14052/96. At that time, it adopted its current full name to reflect its expanded scope of multiactive services.

Question 3

Where is Unicom headquartered?

Accepted Answer

Unicom is headquartered in Concepción, the capital city of the Concepción Department in northern Paraguay. Concepción is located on the eastern bank of the Paraguay River, approximately 400 kilometers north of Asunción, the nation's capital.

The cooperative's headquarters houses its administrative offices and serves as the main operational center for both financial and healthcare services.

Question 4

Where does Unicom operate?

Accepted Answer

Unicom primarily operates in the Concepción Department of Paraguay, with its main presence in Concepción city and surrounding communities in northern Paraguay. As a regional cooperative, Unicom focuses on serving its local member base within this department.

The cooperative's operational scope is concentrated on providing accessible financial and healthcare services to medical professionals and residents in this northern region of Paraguay.

Question 5

What services does Unicom offer?

Accepted Answer

Unicom provides a comprehensive range of multiactive cooperative services, including:

Financial Services: Savings accounts, credit facilities for members, consumer loans, and other financial products tailored to cooperative members' needs.

Prepaid Medical Services: As a distinctive feature, Unicom operates a prepaid medical plan (medicina prepaga) that provides healthcare coverage and access to medical services for its members and their families.

Consumption Services: Consumer goods and services available to cooperative members, facilitating improved purchasing power and access to essential products.

Work Services: Employment-related services and support for medical professionals who are cooperative members.

The cooperative emphasizes personalized service with human warmth and proximity to its members.

Question 6

What makes Unicom unique?

Accepted Answer

Unicom distinguishes itself through its specialized focus on serving medical professionals and combining financial services with healthcare provision. This dual approach creates a comprehensive support system for doctors, nurses, and other healthcare workers in the Concepción region.

The cooperative operates under democratic governance principles, with equal rights and obligations for all members. Its leadership consists entirely of medical professionals, including specialists in pneumology, gastroenterology, pediatric surgery, clinical medicine, internal medicine, and clinical biochemistry. This ensures that decision-making reflects the unique needs and perspectives of the medical community.

Unicom's mission emphasizes promoting cooperation to improve economic, professional, and moral conditions of members, while fostering solidarity and collective consciousness among associates.

Question 7

What type of financial institution is Unicom?

Accepted Answer

Unicom is classified as a Cooperativa Multiactiva (Multiactive Cooperative) in Paraguay. Specifically, it operates as a cooperative that provides savings and credit services, consumption services, work services, and medical services.

Under Paraguay's cooperative regulatory framework administered by INCOOP, multiactive cooperatives can engage in multiple activities simultaneously. Unicom falls under the category of cooperatives that serve specific professional groups—in this case, medical professionals—while also being open to the broader community in its operational area.

The institution operates under Paraguay's Cooperative Law No. 438/94 and is subject to INCOOP supervision rather than the Central Bank of Paraguay, as it is a cooperative financial institution rather than a traditional bank.

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