Question 1

What is COOPAC del Sector Salud de Ayacucho?

Accepted Answer

COOPAC del Sector Salud de Ayacucho (Cooperativa de Ahorro y Crédito del Sector Salud de Ayacucho) is a specialized savings and credit cooperative in Peru that serves members of the health sector. The institution operates as a COOPAC (Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público), meaning it only provides financial services to its cooperative members and does not capture resources from the general public.

Registered with the Superintendencia de Banca, Seguros y AFP (SBS) under registration number 000149-2019-REG.COOPAC-SBS, the cooperative is classified as Level 2 in the modular scheme established by Law 30822.

Question 2

When was COOPAC del Sector Salud de Ayacucho founded?

Accepted Answer

The cooperative began operations on February 15, 1966, making it one of the longer-established financial cooperatives in the Ayacucho region. It was founded to provide financial services specifically to workers and professionals in the health sector.

The institution has operated for nearly six decades, building a reputation for serving the unique financial needs of healthcare workers in the region.

Question 3

Where is COOPAC del Sector Salud de Ayacucho headquartered?

Accepted Answer

The cooperative is headquartered in Ayacucho, specifically in the Huamanga province of the Ayacucho region. Its registered address is located at Mza. D Lote 20, Urbanización Mariscal Cáceres (Parque de Ingenieros), in the city of Ayacucho.

The institution maintains its primary operations from this location in the historic Andean city.

Question 4

Where does COOPAC del Sector Salud de Ayacucho operate?

Accepted Answer

COOPAC del Sector Salud de Ayacucho primarily operates in the Ayacucho region, with its main presence in the Huamanga province. The cooperative serves members throughout the department of Ayacucho, focusing on areas where health sector professionals are concentrated.

As a specialized cooperative, its operational reach is determined by the geographic distribution of its member base within the health sector community.

Question 5

What services does COOPAC del Sector Salud de Ayacucho offer?

Accepted Answer

The cooperative provides savings and credit services exclusively to its members. Key services include:

Savings Products: Various savings accounts and deposit options designed for cooperative members to build their financial resources.

Credit Products: Loans and credit facilities tailored to the needs of health sector workers, including personal loans and other credit products.

Member Services: As a cooperative, it operates under the principle of mutual aid, where services are designed to benefit members directly.

The institution operates through its website where members can access information about services. All products and services require membership in the cooperative.

Question 6

What makes COOPAC del Sector Salud de Ayacucho unique?

Accepted Answer

The cooperative's defining characteristic is its specialized focus on serving the health sector. This niche specialization allows it to understand and address the specific financial needs of healthcare workers, including doctors, nurses, administrative staff, and other health professionals.

The institution is registered in Peru's National Registry of Suppliers, enabling it to conduct business with the Peruvian state. This registration demonstrates its institutional credibility and compliance with government standards.

The cooperative is enrolled in the Fondo de Seguro de Depósitos Cooperativo (FSDC - Cooperative Deposit Insurance Fund), though as noted on their website, deposits are not yet backed by the FSDC as the cooperative has not completed the waiting period established in SBS Resolution 5061-2018.

Question 7

What type of financial institution is COOPAC del Sector Salud de Ayacucho?

Accepted Answer

COOPAC del Sector Salud de Ayacucho is classified as a COOPAC (Cooperativa de Ahorro y Crédito No Autorizada a Captar Recursos del Público), which translates to a Savings and Credit Cooperative Not Authorized to Capture Resources from the Public.

In Peru's financial system, COOPACs are member-based financial cooperatives that operate exclusively with their members, distinguishing them from banks and other institutions that serve the general public. They are regulated by the SBS through the Superintendencia Adjunta de Cooperativas (SACOOP - Adjunct Superintendency of Cooperatives) under Law 26702, as modified by Law 30822.

The institution operates at Level 2 in the operational hierarchy established for Peruvian cooperatives, which determines the scope of permitted operations and regulatory requirements.

COOPAC del Sector Salud de Ayacucho

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About COOPAC del Sector Salud de Ayacucho in Peru