Question 1

What is COOPAC Grupo Integra?

Accepted Answer

COOPAC Grupo Integra (Cooperativa de Ahorro y Crédito Grupo Integra Limitada) is a credit cooperative operating in Peru. It is a member-owned financial institution that provides savings and credit services to its cooperative members in the Puno region.

As a COOPAC (Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público), it operates as a non-profit associative entity dedicated to capturing savings and granting loans to its cooperative members. The institution is regulated and supervised by Peru's Superintendencia de Banca, Seguros y AFP (SBS) under the framework established by Law N° 30822.

Question 2

When was COOPAC Grupo Integra founded?

Accepted Answer

COOPAC Grupo Integra was founded on May 2, 2018, and began its operations shortly thereafter. The cooperative was established to serve the financial needs of individuals and micro-entrepreneurs in the Juliaca area of Peru's Puno region.

The institution emerged during a period of growth in Peru's cooperative financial sector, just prior to the implementation of enhanced regulatory oversight that began on January 1, 2019, when Law N° 30822 transferred supervision of COOPACs from the Federación Nacional de Cooperativas de Ahorro y Crédito del Perú (FENACREP) to the SBS.

Question 3

Where is COOPAC Grupo Integra headquartered?

Accepted Answer

COOPAC Grupo Integra is headquartered in Juliaca, located in the San Román province of the Puno region in southern Peru. Specifically, its registered address is Jr. Chucuito No. 365, in the 28 de Julio urbanization, approximately two blocks before Avenida Juliaca.

Juliaca is the largest city in the Puno region and serves as an important commercial hub in the Peruvian highlands.

Question 4

Where does COOPAC Grupo Integra operate?

Accepted Answer

COOPAC Grupo Integra operates primarily in the San Román province of the Puno region in southern Peru. The institution's operations are centered in Juliaca, which is the commercial center of the region.

The Puno region is located in the southeastern highlands of Peru, near Lake Titicaca and the Bolivian border. It is known for its significant indigenous population and agricultural economy.

Question 5

What services does COOPAC Grupo Integra offer?

Accepted Answer

As a Level 1 COOPAC under Peru's modular supervisory scheme, COOPAC Grupo Integra offers the following services to its cooperative members:

Savings Products: The cooperative accepts deposits from members, including savings accounts and time deposits (plazo fijo). However, as a Level 1 COOPAC, it is not authorized to accept checking accounts or CTS (Compensación por Tiempo de Servicios) deposits.

Credit Products: The institution provides direct loans to its members, primarily targeting micro and small enterprise (MYPE) financing and consumer credit needs. Loans can be granted for periods ranging from a minimum of 30 days to several years, depending on the product.

Payment Services: The cooperative can perform collection, payment, and fund transfer operations where at least one party (the originator or beneficiary) is a member.

All services are provided exclusively to cooperative members, as per the associative nature of the institution.

Question 6

What makes COOPAC Grupo Integra unique?

Accepted Answer

COOPAC Grupo Integra operates under the cooperative financial model, which distinguishes it from traditional banks. As a member-owned institution, it operates on democratic principles where each member has one vote regardless of their capital contribution.

The cooperative serves the financial inclusion needs of communities in the Puno region, particularly in Juliaca, an area characterized by high levels of informal economic activity and limited access to traditional banking services. By focusing on micro-entrepreneurs and small savers, COOPAC Grupo Integra addresses a market segment often underserved by larger financial institutions.

The institution operates without profit-seeking objectives, instead prioritizing service to its members and community development. This cooperative model emphasizes solidarity, mutual assistance, and democratic governance over profit maximization.

Question 7

What type of financial institution is COOPAC Grupo Integra?

Accepted Answer

COOPAC Grupo Integra is a Cooperativa de Ahorro y Crédito (Credit Union), which is the Peruvian equivalent of a credit union. Specifically, it is classified as a COOPAC No Autorizada a Captar Recursos del Público, meaning it is not authorized to capture deposits from the general public—only from its cooperative members.

Under Peru's modular supervisory framework established by Law N° 30822, COOPAC Grupo Integra is classified as a Level 1 COOPAC. This classification applies to cooperatives with total assets up to 600 UIT (Unidades Impositivas Tributarias, approximately USD $1.3 million as of 2025). Level 1 COOPACs face specific operational limitations and regulatory requirements appropriate to their size and complexity.

As a cooperative, it operates under the principles established by the International Cooperative Alliance (ICA), including voluntary and open membership, democratic member control, member economic participation, autonomy and independence, education and training, cooperation among cooperatives, and concern for community.

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About COOPAC Grupo Integra in Peru