Question 1

What is Cooplibera Ltda.?

Accepted Answer

Cooplibera Ltda. (formally known as COOPLIBERA Lida. C.A.C.Con.P.Comerc.S.) is a multiactivity cooperative in Paraguay specializing in savings and credit (Ahorro y Crédito), consumption (Consumo), production (Producción), and commercialization services (Comercialización). As a multiactivity cooperative, it serves its members through an integrated approach that combines financial services with production and consumption activities. The cooperative operates under the regulatory oversight of the Instituto Nacional de Cooperativismo (INCOOP), Paraguay's national cooperative institute.

Question 2

When was Cooplibera Ltda. founded?

Accepted Answer

[Information not publicly available]

Question 3

Where is Cooplibera Ltda. headquartered?

Accepted Answer

The cooperative is headquartered in Paraguay. Specific location details within the country are not publicly available. The institution operates without a public website, which is common among smaller Type C cooperatives in Paraguay.

Question 4

Where does Cooplibera Ltda. operate?

Accepted Answer

Cooplibera Ltda. operates within Paraguay, serving local communities through its cooperative model. As a registered cooperative with INCOOP, the institution maintains its operations within the national territory. Specific operational regions within Paraguay are not publicly disclosed.

Question 5

What services does Cooplibera Ltda. offer?

Accepted Answer

As a multiactivity cooperative encompassing savings, credit, consumption, production, and commercialization services, Cooplibera Ltda. provides a comprehensive range of services to its members:

Financial Services: The cooperative offers savings accounts and credit facilities to its members, functioning as a cooperative financial institution. Members can deposit savings and access credit for various purposes including consumption, production, and business activities.

Consumption Services: The cooperative facilitates access to goods and services for its members, helping them meet their daily needs through cooperative purchasing and distribution mechanisms.

Production Services: Cooplibera supports its members' productive activities, which may include agricultural production, industrial activities, or other economic endeavors, depending on the members' needs and the cooperative's capacity.

Commercialization Services: The cooperative assists members in marketing and selling their products, creating better market access and potentially securing more favorable commercial conditions.

Question 6

What makes Cooplibera Ltda. unique?

Accepted Answer

Cooplibera Ltda. stands out as a comprehensive multiactivity cooperative that integrates financial, consumption, production, and commercialization services under one cooperative structure. This holistic approach allows members to access multiple services through a single membership, creating synergies between different economic activities.

The cooperative embodies the Paraguayan cooperative movement's principles of solidarity, mutual assistance, and democratic governance. By combining savings and credit functions with production and commercialization support, Cooplibera enables members to not only access financial services but also develop their productive capacities and improve their market positions.

Question 7

What type of financial institution is Cooplibera Ltda.?

Accepted Answer

Cooplibera Ltda. is classified as a Cooperativa Multiactiva de Ahorro y Crédito, Consumo, Producción y Comercialización (Multiactivity Cooperative of Savings and Credit, Consumption, Production, and Commercialization) in Paraguay.

Under Paraguay's cooperative regulatory framework, financial cooperatives are classified by the Instituto Nacional de Cooperativismo (INCOOP) into three types based on their total assets: Type A (assets exceeding 50 billion Guaraníes), Type B (assets between 5 billion and 50 billion Guaraníes), and Type C (assets below 5 billion Guaraníes). While the specific typification of Cooplibera is referenced in INCOOP Resolution 30150/2024, the cooperative operates within the cooperative financial sector that represents approximately 11.7% of Paraguay's financial-banking system.

As a multiactivity cooperative, Cooplibera combines financial intermediation with productive and commercial activities, following the cooperative principles established in Law 438/1994 (Ley de Cooperativas) and regulated by Law 2157/2003, which created INCOOP as the supervisory and regulatory authority for all cooperatives in Paraguay.

Question 8

What is the regulatory environment for cooperatives in Paraguay?

Accepted Answer

Paraguay has a robust cooperative sector that is well-established within the national economy. The cooperative movement generates approximately 15% of the country's GDP and plays a significant role in financial inclusion, particularly in rural and underserved urban areas.

The Instituto Nacional de Cooperativismo (INCOOP) serves as the sole regulatory and supervisory authority for cooperatives in Paraguay, overseeing more than 676 active cooperatives as of 2022. INCOOP regulates cooperatives through a comprehensive framework that includes classification systems, prudential regulations, educational requirements for directors and managers, and ongoing supervision mechanisms.

The regulatory framework emphasizes financial stability, member protection, and the promotion of cooperative values. Cooperatives must comply with requirements including minimum capital standards, liquidity ratios, loan loss provisioning, risk management systems, and regular financial reporting. INCOOP also administers the Central de Riesgos Crediticios de Cooperativas (Cooperative Credit Risk Center), which helps cooperatives assess credit risk and maintain portfolio quality.

Question 9

What role do cooperatives play in Paraguay's economy?

Accepted Answer

Cooperatives are essential pillars of Paraguay's economic and social development. The sector is particularly strong in two areas: agricultural production and financial services.

In agriculture, cooperatives are responsible for approximately 50% of agricultural exports, 84% of national dairy production, and 24% of meat exports. Production cooperatives help small and medium-sized farmers access markets, technology, and financing.

In financial services, cooperatives hold 13.4% of total national savings deposits and provide 12% of total credit, with a particular focus on microfinance and financial inclusion for populations traditionally excluded from conventional banking. Many cooperatives specialize in microfinance technology, offering flexible repayment schedules (daily, weekly, biweekly, or monthly) that accommodate the cash flow patterns of micro-entrepreneurs and small businesses.

The Confederación Paraguaya de Cooperativas (CONPACOOP) serves as the national confederation representing the cooperative sector, working alongside INCOOP to promote cooperative education, develop regulatory frameworks, and advocate for the sector's interests.

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About Cooplibera Ltda. in Paraguay