Question 1

What is Cooperativa de Ahorro y Crédito La Portuaria?

Accepted Answer

Cooperativa de Ahorro y Crédito La Portuaria (COOPAC La Portuaria) is a savings and credit cooperative operating in Peru. It is a non-profit financial institution with 54 years of experience in the cooperative system, dedicated to providing financial solutions with personalized attention, competitive interest rates, and efficient service.

The cooperative serves members from various governmental institutions, private companies, schools, and micro and small business entrepreneurs. La Portuaria operates under the principles of solidarity and mutual aid, seeking social welfare combined with economic growth for all its members through financial intermediation with a human face.

Question 2

When was Cooperativa de Ahorro y Crédito La Portuaria founded?

Accepted Answer

La Portuaria was founded on December 20, 1965, establishing its roots in the port city of Callao. The cooperative was created to serve workers and community members in the Constitutional Province of Callao, providing accessible financial services based on cooperative principles.

For over five decades, the institution has evolved from its original purpose of serving port workers and local community members to becoming a broader financial cooperative. The name "La Portuaria" (meaning "The Port") reflects its origins and connection to the port community of Callao, Peru's main seaport.

Question 3

Where is Cooperativa de Ahorro y Crédito La Portuaria headquartered?

Accepted Answer

La Portuaria is headquartered in Callao, in the Constitutional Province of Callao, Peru. Callao is Peru's principal seaport and is located adjacent to Lima, the nation's capital. The cooperative's domicile and main operations center remain in the city where it was founded, maintaining its strong connection to the port community.

Question 4

Where does Cooperativa de Ahorro y Crédito La Portuaria operate?

Accepted Answer

COOPAC La Portuaria operates primarily in the Constitutional Province of Callao and surrounding areas in Peru. The cooperative's statute indicates that its operational scope (radio de acción) covers the region where it maintains its headquarters and member base.

While headquartered in Callao, the cooperative serves members who work in various governmental institutions, private companies, and operate small businesses throughout the region. The institution has maintained its focus on serving the communities within its authorized operational territory.

Question 5

What services does Cooperativa de Ahorro y Crédito La Portuaria offer?

Accepted Answer

La Portuaria provides a comprehensive range of financial services to its members, including:

Savings Products:
• Member savings accounts (aportaciones ordinarias y extraordinarias)
• Term deposits and savings deposits
• Compensation for Time of Service (CTS) deposits

Credit Services:
• Direct loans to members with or without guarantees
• Business loans for micro and small enterprises
• Consumer credits with flexible terms and conditions
• Guarantees and sureties for members

Additional Financial Services:
• Debit card issuance and administration
• Credit card services (subject to regulatory authorization)
• National and international money transfers
• Receipt of credit lines from national and international entities
• Financial leasing operations
• Investment in securities and bonds

Digital Services:
• Online banking capabilities through their website laportuaria.com.pe
• Electronic payment services
• Digital account management tools

All services are designed to meet member needs with personalized attention, competitive rates, and efficient processing times.

Question 6

What makes Cooperativa de Ahorro y Crédito La Portuaria unique?

Accepted Answer

Several distinctive features set La Portuaria apart in Peru's financial cooperative sector:

Long-Standing Heritage: With 54 years of continuous operation since 1965, the cooperative has demonstrated resilience and commitment to its founding principles throughout Peru's economic changes.

Member-Centric Approach: As a cooperative, La Portuaria prioritizes member satisfaction and social welfare over profit maximization. The institution emphasizes personalized service and financial solutions tailored to individual member needs.

Competitive Rates: The cooperative offers loans at lower interest rates compared to traditional banks, making credit more accessible to its member base, particularly for micro and small business entrepreneurs.

Cooperative Values: La Portuaria operates under the principles of solidarity and mutual aid, ensuring that financial services are provided "with a human face" rather than purely commercial considerations.

Regulatory Oversight: The institution is regulated and supervised by Peru's Superintendency of Banking, Insurance and AFP (SBS) through the Superintendency Adjunct of Cooperatives, ensuring compliance with financial standards while respecting cooperative principles.

Question 7

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

Accepted Answer

La Portuaria is classified as a Cooperativa de Ahorro y Crédito (COOPAC), which is a savings and credit cooperative in Peru's financial system. In the Peruvian context, COOPACs are specialized financial institutions organized as non-profit civil associations.

The cooperative operates under an "open" (abierta) membership model, meaning it can accept members from various sectors beyond a single employer or closed group. It is categorized as a "usuarios" (users) type cooperative, where members are both owners and users of the financial services.

COOPACs in Peru are distinct from traditional banks and are subject to specific regulations under Law N° 30822 (Ley COOPAC), which provides a modular regulatory framework based on the complexity and risk level of each institution. These institutions are supervised by the SBS through its specialized Superintendency Adjunct of Cooperatives.

La Portuaria fits the COOPAC model by providing mutual financial services to members, operating democratically with member participation in governance through general assemblies, and maintaining a focus on social welfare alongside financial sustainability.

Cooperativa de Ahorro y Crédito La Portuaria

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About Cooperativa de Ahorro y Crédito La Portuaria in Peru