Question 1

What is Crediplata?

Accepted Answer

Crediplata (formally COOPERATIVA DE AHORRO Y CREDITO REFINERIA DE PLATA Y RESIDUOS ANODICOS) is a credit and savings cooperative (COOPAC) based in Peru. The institution serves its member-owners, providing financial services to individuals and small businesses in the central highlands region of Peru.

Originally founded to serve workers in the silver refining and metallurgical industry, Crediplata has evolved into a community-focused financial cooperative. The cooperative operates under member ownership principles, where members have voting rights in decision-making processes.

Question 2

When was Crediplata founded?

Accepted Answer

Crediplata was founded on March 1, 1961. The cooperative was initially established to serve workers and employees connected to the silver refinery and metallurgical operations in La Oroya.

The institution was formally registered with the Public Registry of Tarma on September 26, 1965, recorded in Seat 01, Page 203 of Volume I of the Book of Cooperatives. On April 26, 1966, Crediplata was inscribed in the National Registry of Cooperatives, registered in folio No. 933 of Volume I under number 372.

The cooperative received its registration with the Superintendency of Banking and Insurance (SBS) on December 22, 1993, through Resolution No. 720-93, assigned number 011. More recently, on March 8, 2019, Crediplata was inscribed in the National COOPAC Registry under Registration No. 229-2019-REG.COOPAC-SBS.

Question 3

Where is Crediplata headquartered?

Accepted Answer

Crediplata's main headquarters is located at Av. Horacio Zevallos No. 315 (Centro Civico) in La Oroya, district of Yauli, province of Yauli, in the Junin region of Peru. La Oroya is situated in the central highlands of Peru and has historically been a significant metallurgical and mining center.

Question 4

Where does Crediplata operate?

Accepted Answer

Crediplata operates through multiple branch offices (agencias) serving communities in the central highlands region of Peru, with its primary focus on the Junin region. The cooperative's operations center around La Oroya and surrounding areas in the province of Yauli.

The institution maintains a regional presence designed to serve its member base throughout the central Andean mining corridor.

Question 5

What services does Crediplata offer?

Accepted Answer

Crediplata offers a comprehensive range of financial services to its members, including:

Savings Products: Various savings account options with competitive interest rates designed to help members achieve short-term and long-term financial goals.

Credit Products: Multiple loan options including covered loans (préstamos cubierto), agricultural loans (préstamos Credicultivos), loans for small and medium enterprises (Pymes), and other personal financing options. These loans are designed to support unexpected expenses, education financing, and business expansion.

Social Welfare Services: A Social Welfare Fund (Fondo de Previsión Social) that provides economic assistance to members and their families (parents, spouse, and children) for expenses related to death, provided beneficiaries are properly registered with the cooperative.

Account Management: Digital consultation services allowing members to access their financial information, verify balances, and manage their accounts.

Financial Advisory: Counseling services to help members make informed financial decisions about their personal finances.

Question 6

What makes Crediplata unique?

Accepted Answer

Crediplata distinguishes itself through several key characteristics:

Financial Education Focus: The cooperative places strong emphasis on financial education, working to train its members on financial topics and promote responsible financial practices. Crediplata actively encourages a savings culture and offers incentives for regular saving.

Cooperative Governance Model: Operating under true cooperative principles, Crediplata gives its members voice and vote in important institutional decisions. This democratic structure allows members greater participation in managing their finances and influencing cooperative policies and practices.

Historical Connection to Mining Industry: The cooperative's origins in serving the silver refinery and metallurgical sector give it unique insight into the needs of workers in Peru's mining and industrial sectors.

Mission-Driven Approach: Crediplata focuses on contributing to the wellbeing of its members, collaborators, and society by providing quality services through continuous process improvement and ongoing training in cooperative principles and values.

Question 7

What type of financial institution is Crediplata?

Accepted Answer

Crediplata is a Cooperativa de Ahorro y Crédito (COOPAC), which is a credit and savings cooperative. This is a specific type of financial institution recognized in Peru's financial system.

Specifically, Crediplata is classified as a COOPAC "No Autorizada a Operar con Recursos del Público" (Not Authorized to Operate with Public Resources). This means the cooperative serves its members exclusively rather than the general public.

Crediplata is affiliated with FENACREP (Federación Nacional de Cooperativas de Ahorro y Crédito), the National Federation of Savings and Credit Cooperatives. The institution is regulated and supervised by the Superintendency of Banking, Insurance and AFP (SBS), through the Adjunct Superintendency of Cooperatives (SACOOP).

The cooperative is classified as Level 2 in asset size, with total assets greater than 600 UIT (Tax Units) but less than or equal to 65,000 UIT. Its RUC (tax identification number) is 20121760232.

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