Question 1

What is Cooperativa de Ahorro y Crédito Invercoop?

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop (COOPAC Invercoop) is a savings and credit cooperative operating in Peru. It is a member-owned financial institution that provides savings, lending, and financial services exclusively to its cooperative members.

The cooperative is regulated and supervised by the Superintendencia de Banca, Seguros y AFP (SBS), Peru's banking and insurance superintendency. Invercoop is a member of the Fondo de Seguro de Depósito Cooperativo (FSDC), the cooperative deposit insurance fund, and is registered with the SBS under registration number N°350-2019-REG.COOPAC-SBS.

Question 2

When was Cooperativa de Ahorro y Crédito Invercoop founded?

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop was formalized on August 1, 2014, in Miraflores, Lima, and began operations that same month. The cooperative was established through the vision and effort of 14 founding members committed to the financial well-being of their community.

Since its inception, Invercoop's mission has been to provide financial support that drives both personal and business growth for its members. Over a decade of service, the cooperative has experienced notable growth and has consolidated its position as a reliable financial option for its members.

Question 3

Where is Cooperativa de Ahorro y Crédito Invercoop headquartered?

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop is headquartered in La Molina, Lima, Peru. According to official records, the registered address is Av. Los Ingenieros, Urb. Pablo Canepa 536, Dpto. 2B, La Molina, Lima.

The cooperative was initially formalized in Miraflores, Lima, before establishing its current headquarters location.

Question 4

Where does Cooperativa de Ahorro y Crédito Invercoop operate?

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop operates in multiple cities throughout Peru. The cooperative serves approximately one thousand members across several regions of the country.

Primary operational areas include Lima (the capital), Arequipa, Chiclayo, Piura, Tacna, and other important cities throughout Peru. This multi-regional presence allows Invercoop to extend financial services beyond the capital to members in various parts of the country.

Question 5

What services does Cooperativa de Ahorro y Crédito Invercoop offer?

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop offers a range of financial services to its cooperative members, including savings accounts, credit products (personal and business loans), and various financial services designed to support both personal and entrepreneurial growth.

As a credit cooperative, Invercoop focuses on capturing savings from its members and providing loans to support their financial needs. The cooperative's services are structured to promote economic development and sustainable growth for its member-owners.

The cooperative does not operate a public website for customer-facing services, focusing instead on direct member relationships through its physical offices.

Question 6

What makes Cooperativa de Ahorro y Crédito Invercoop unique?

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop distinguishes itself through its member-focused cooperative structure, where members are simultaneously owners and customers of the institution. This cooperative model prioritizes member welfare over profit maximization.

The institution has achieved significant growth from its founding by 14 members in 2014 to approximately one thousand members across multiple Peruvian cities within a decade. This expansion demonstrates the cooperative's ability to build trust and provide valuable financial services to its member base.

As an SBS-supervised cooperative registered under the modular supervision scheme established by Law N°30822, Invercoop operates under formal regulatory standards that protect member savings and promote sound financial management.

Question 7

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

Accepted Answer

Cooperativa de Ahorro y Crédito Invercoop is a Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público (COOPAC), which translates to a Credit Union or Savings and Credit Cooperative Not Authorized to Capture Public Resources.

This institutional type is specific to Peru's financial system and refers to member-based, not-for-profit cooperative financial institutions that provide savings and lending services exclusively to their cooperative members (socios). Unlike banks, COOPACs cannot accept deposits from the general public and can only serve their cooperative members.

Invercoop operates under Peru's cooperative financial framework, governed by Law N°26702 (General Law of the Financial System) as modified by Law N°30822, and is subject to SBS supervision under the modular regulatory scheme established for credit cooperatives in 2019.

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