Question 1

What is Caja Solidaria Campesina Santa María Amealco?

Accepted Answer

Caja Solidaria Campesina Santa María Amealco is a savings and loan cooperative (Sociedad Cooperativa de Ahorro y Préstamo) based in Querétaro, Mexico. The cooperative specifically serves rural and agricultural communities, as indicated by the "campesina" (peasant/farmer) designation in its name. The institution provides accessible financial services to members in the Amealco region, focusing on communities that often lack adequate banking infrastructure.

The cooperative is authorized by the Comision Nacional Bancaria y de Valores (CNBV) and offers deposit insurance protection for member savings.

Question 2

When was Caja Solidaria Campesina Santa María Amealco founded?

Accepted Answer

[Information not publicly available] While the specific founding date is not publicly documented, Caja Solidaria Campesina Santa María Amealco received official authorization from the CNBV on September 14, 2011. This authorization was published in the Diario Oficial de la Federacion on October 24, 2011.

The authorization allowed the cooperative to continue operating as a regulated Sociedad Cooperativa de Ahorro y Préstamo at Level I, bringing it under formal supervision and regulatory compliance requirements.

Question 3

Where is Caja Solidaria Campesina Santa María Amealco headquartered?

Accepted Answer

Caja Solidaria Campesina Santa María Amealco is headquartered in the state of Querétaro, Mexico, serving the Amealco region. The cooperative maintains operational facilities to serve its member base, though specific address details are not publicly available.

Question 4

Where does Caja Solidaria Campesina Santa María Amealco operate?

Accepted Answer

Caja Solidaria Campesina Santa María Amealco operates in the state of Querétaro, Mexico, with a primary focus on the Amealco region. The cooperative serves rural and agricultural communities throughout the area, providing financial services to farmers, ranchers, and rural residents who may have limited access to traditional banking.

The cooperative's geographic focus allows it to specialize in serving the unique financial needs of agricultural and rural economies.

Question 5

What services does Caja Solidaria Campesina Santa María Amealco offer?

Accepted Answer

As an authorized SOCAP at Level I, the cooperative offers savings accounts with competitive interest rates, fixed-term investment products, and various credit options tailored to agricultural and rural needs. These include productive loans for farming activities, livestock financing, personal loans, and consumer credit.

The cooperative provides complementary services such as financial education adapted to rural contexts, remittance services, utility bill payment facilities, and support for agricultural development programs. All deposits are protected by deposit insurance through FOCOOP up to 25,000 UDIs per member.

Question 6

What makes Caja Solidaria Campesina Santa María Amealco unique?

Accepted Answer

Caja Solidaria Campesina Santa María Amealco is specifically designed to serve rural agricultural communities, as reflected in its "campesina" designation. This specialization allows the cooperative to understand the unique financial cycles, needs, and challenges of farming and ranching communities.

The cooperative operates under solidarity principles that emphasize mutual aid and collective economic development. Its focus on agricultural communities makes it particularly valuable in areas where traditional banks often don't provide adequate services due to the perceived risks and seasonal nature of agricultural income.

Question 7

What type of financial institution is Caja Solidaria Campesina Santa María Amealco?

Accepted Answer

Caja Solidaria Campesina Santa María Amealco is a Sociedad Cooperativa de Ahorro y Préstamo (SOCAP), Mexico's legal designation for savings and loan cooperatives. SOCAPs are non-profit financial institutions belonging to the social economy sector.

The cooperative is authorized by the CNBV at Level I of operations, which indicates assets between 2.5 million and 10 million UDIs. This classification is governed by the Ley para Regular las Actividades de las Sociedades Cooperativas de Ahorro y Préstamo, ensuring sound financial practices and member deposit protection through the cooperative insurance system.

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