Question 1

What is COOPAC Alianza Solidaria?

Accepted Answer

COOPAC Alianza Solidaria (Cooperativa de Ahorro y Crédito Alianza Solidaria Ltda) is a savings and credit cooperative operating in Peru. As a COOPAC (Cooperativa de Ahorro y Crédito no autorizada a captar recursos del público), it is a member-based, not-for-profit financial cooperative that provides savings and lending services exclusively to its cooperative members.

The institution operates under the supervision of Peru's Superintendencia de Banca, Seguros y AFP (SBS) following the implementation of Law 30822 in 2019. COOPAC Alianza Solidaria is registered with RUC number 20603662076 and maintains active status with Peru's financial regulatory authorities.

Question 2

When was COOPAC Alianza Solidaria founded?

Accepted Answer

COOPAC Alianza Solidaria began its activities on January 1, 2019, coinciding with the implementation of Peru's new regulatory framework for savings and credit cooperatives. This timing aligned with Law 30822 (the COOPAC Law), which brought all Peruvian credit unions under formal SBS supervision for the first time.

The cooperative was established to serve its members by providing accessible financial services based on cooperative principles of mutual assistance and solidarity.

Question 3

Where is COOPAC Alianza Solidaria headquartered?

Accepted Answer

COOPAC Alianza Solidaria is headquartered in the Barranco district of Lima, Peru. Its registered address is Avenida Coronel Francisco Bologne, Urbanización Residencial Tejadita 108, Department 202, Barranco, Lima.

Barranco is a coastal district in the Lima Province known for its bohemian character and cultural heritage, located south of Lima's city center.

Question 4

Where does COOPAC Alianza Solidaria operate?

Accepted Answer

COOPAC Alianza Solidaria operates primarily in the Lima metropolitan area, serving cooperative members in Peru's capital region. As a Level 1 or Level 2 COOPAC under Peru's modular supervision framework, its operations are focused on providing localized financial services to its member base.

The cooperative's activities are concentrated in Lima, where it serves members who join the cooperative and meet membership requirements established by the institution.

Question 5

What services does COOPAC Alianza Solidaria offer?

Accepted Answer

As a savings and credit cooperative, COOPAC Alianza Solidaria offers core financial services to its members, including:

Savings Products: The cooperative accepts deposits from members, allowing them to build savings in a member-owned financial institution. These deposits are protected by the Fondo de Seguro de Depósitos Cooperativo (FSDC), Peru's cooperative deposit insurance fund.

Credit Services: Members can access loans for personal, family, or microenterprise purposes. The cooperative evaluates creditworthiness and provides financing based on members' needs and repayment capacity.

Member Services: As a cooperative, all account holders are also members with voting rights and the ability to participate in the cooperative's governance through assemblies and elections.

The cooperative does not operate a public website, reflecting its member-focused, community-based operational model common among smaller COOPACs in Peru.

Question 6

What makes COOPAC Alianza Solidaria unique?

Accepted Answer

COOPAC Alianza Solidaria distinguishes itself through its cooperative ownership structure, where every member is also an owner of the institution. This model prioritizes member welfare over profit maximization, aligning with cooperative principles of democratic control and equitable distribution of benefits.

The institution operates under Peru's specialized regulatory framework for cooperatives, which differs from traditional banking regulation. This allows COOPACs to serve niche communities and provide financial inclusion to members who may have limited access to conventional banking services.

As a member of the Fondo de Seguro de Depósitos Cooperativo, COOPAC Alianza Solidaria provides deposit protection to its members, enhancing the security of their savings within the cooperative system.

Question 7

What type of financial institution is COOPAC Alianza Solidaria?

Accepted Answer

COOPAC Alianza Solidaria is classified as 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). In Peru's financial system, this represents a distinct category of financial institution separate from banks, finance companies, and municipal savings banks.

COOPACs are member-owned, not-for-profit cooperatives that operate under cooperative principles established by the International Cooperative Alliance. They are governed by Law 30822 and supervised by the SBS under a modular framework with three levels based on asset size. The modular system applies proportional regulation depending on the cooperative's complexity and risk profile.

Unlike banks, COOPACs only serve their members rather than the general public, and members must meet specific requirements to join. The cooperative governance structure gives members democratic voting rights regardless of their account balance, following the principle of "one member, one vote."

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