Question 1

What is Po Joaju Ltda. C.M.A.C. Con. P.S.?

Accepted Answer

Po Joaju Ltda. C.M.A.C. Con. P.S. is a multiactive savings and credit cooperative (Cooperativa Multiactiva de Ahorro y Crédito, Consumo, Producción y Servicios) operating in Paraguay. The institution is classified as a Type C cooperative by the Instituto Nacional de Cooperativismo (INCOOP), Paraguay's national cooperative regulator.

As a multiactive cooperative, Po Joaju combines several functions including savings and credit services, consumer services, production activities, and general services for its members. The cooperative is registered with INCOOP under registration number 899.

Question 2

When was Po Joaju Ltda. C.M.A.C. Con. P.S. founded?

Accepted Answer

While the exact founding date is not publicly available, Po Joaju appears in INCOOP's official registry of cooperatives and has been operating as a habilitado (authorized) cooperative in Paraguay. The institution is part of Paraguay's extensive cooperative movement, which includes over 676 active cooperatives serving approximately 1.8 million members nationwide.

Question 3

Where is Po Joaju Ltda. C.M.A.C. Con. P.S. headquartered?

Accepted Answer

[Information not publicly available]

The cooperative operates within Paraguay and is subject to supervision and regulation by INCOOP in accordance with Law No. 438/94 (Cooperatives Law) and its subsequent amendments.

Question 4

Where does Po Joaju Ltda. C.M.A.C. Con. P.S. operate?

Accepted Answer

Po Joaju operates in Paraguay, serving members within its designated geographic area. As a Type C cooperative with assets below 5 billion Guaraníes (approximately USD 660,000), it is classified as a smaller-scale financial cooperative within Paraguay's three-tier classification system.

The cooperative serves local communities in Paraguay, though specific branch locations or service areas are not publicly documented.

Question 5

What services does Po Joaju Ltda. C.M.A.C. Con. P.S. offer?

Accepted Answer

As a multiactive cooperative (C.M.A.C. Con. P.S.), Po Joaju offers a comprehensive range of services to its members:

Savings and Credit Services (Ahorro y Crédito): The cooperative accepts deposits and provides loans to its members, following the principles of cooperative finance and mutual aid.

Consumer Services (Consumo): Members can access consumer goods and services through the cooperative, benefiting from collective purchasing power.

Production Services (Producción): The cooperative supports members' productive activities, which may include agricultural, commercial, or other economic endeavors.

General Services (Servicios): Additional services tailored to the needs of the cooperative's membership base.

All services are provided on a solidarity basis, with profits distributed among members according to their participation rather than capital contribution.

Question 6

What makes Po Joaju Ltda. C.M.A.C. Con. P.S. unique?

Accepted Answer

Po Joaju operates under Paraguay's distinctive cooperative legal framework, which guarantees cooperatives free organization and autonomy under Article 113 of the National Constitution. Unlike commercial banks, the cooperative follows the principle of "one member, one vote" in governance, regardless of the amount of capital contributed.

As a Type C cooperative, Po Joaju represents the most common category in Paraguay's cooperative sector, which comprises approximately 71% of all first-tier cooperatives. These institutions play a crucial role in providing financial inclusion to communities that may be underserved by traditional banks.

The cooperative model emphasizes social profitability over pure financial returns, distributing surpluses among members based on their use of services rather than investment levels.

Question 7

What type of financial institution is Po Joaju Ltda. C.M.A.C. Con. P.S.?

Accepted Answer

Po Joaju is classified as a Cooperativa de Ahorro y Crédito (Savings and Credit Cooperative), specifically a multiactive Type C cooperative. In Paraguay's financial system, cooperatives represent a distinct category of financial institution separate from commercial banks.

Type C cooperatives are defined by INCOOP Resolution No. 17895/18 as institutions with total assets below 5 billion Guaraníes. They are supervised by INCOOP rather than the Central Bank of Paraguay (BCP), which oversees traditional banks.

Paraguay's cooperative sector accounts for 11.7% of the country's financial-banking sector, making it the third-largest cooperative financial system in Latin America. The cooperative model operates on principles of democratic control, open membership, and social solidarity rather than profit maximization.

Po Joaju Ltda. C.M.A.C. Con. P.S.

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About Po Joaju Ltda. C.M.A.C. Con. P.S. in Paraguay