Compartamos Financiera

What Compartamos Financiera does

Compartamos Financiera, operating under the legal name Compartamos Banco S.A., is a Peruvian regulated microfinance bank founded in 1992 and headquartered at Av Paseo de la República 5895, Miraflores, Lima. It operates as part of the GENTERA corporate group and serves Peruvian micro-entrepreneurs, small and medium-sized enterprises (PyMEs), and individual consumers, with a particular focus on financial inclusion for underserved segments including women entrepreneurs reached through community-based lending circles. The product portfolio comprises approximately 30 offerings organized into four lines: credit (group lending via Crédito Grupal and a broad individual credit catalog including Pyme, Efectivo, Vivienda, Empresario, Agro, Activo Fijo, Local Comercial, Consolidación de Deuda, Línea de Crédito, Súper Fácil, and Crece y Mejora), savings (WOW high-yield account, fixed deposits, Simple, Emprendedores, Súper Mujer, CTS, and Crece Libre), insurance (SOAT, Desgravamen, Cuenta Protegida, Fondo Vivo Tranquilo), and payment services (debit cards, BIM mobile payments, transfers, manager's checks, bill payment).

The underlying technology stack consists of a digital banking platform delivered through Banca por Internet (web) and Banca Móvil (mobile app), with no disclosed proprietary AI/ML or data assets in the available source material. Distribution is hybrid: a nationwide physical agency network ("Ubícanos") handles in-person servicing and onboarding for microfinance customers, complemented by self-serve digital channels for account management, transfers, and bill payment. The GTM motion is sales-led and field-intensive, reflecting the relationship-based nature of microfinance underwriting.

The business model is anchored on interest income from the credit portfolio (group and individual lending to entrepreneurs and SMEs), with secondary revenue from savings account spreads and fees, insurance commissions (SOAT, Desgravamen, Cuenta Protegida), and transaction-based payment services (debit card interchange, BIM transfers, bill pay). Pricing is not publicly disclosed and is set within the framework of Peruvian banking regulation. Customer segments are mass-market and broadly distributed: there are no named enterprise anchors, and revenue is generated across many small-ticket borrowers and depositors. The company also operates the "Compartamos Impulsa" financial education sub-brand as an ecosystem engagement layer, signaling intent to deepen customer relationships beyond transactional banking.

Name

Compartamos Financiera

Legal name

Compartamos Banco S.A

Website

https://compartamos.com.pe

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Compartamos Financiera (Compartamos Banco S.A.) is a Peruvian regulated microfinance bank, founded 1992 and part of the GENTERA group, offering credit, savings, insurance, and payment services to micro-entrepreneurs, SMEs, and individual consumers in Peru through a nationwide agency network and digital banking channels.

Ownership category

akta.pro rank

Product category

Microfinance Banking

NAICS

Depository Credit Intermediation (5221), Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Agricultural & Rural Microfinance (FSAKAGAG)

akta.pro secondary industries

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Microfinance services
• Consumer lending
• Savings accounts
• Microcredit products
• Group lending

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Loans: As a microfinance bank, Compartamos Banco generates primary revenue through interest charged on credit products offered to entrepreneurs and individuals, including group lending (Crédito Grupal) and individual lending products such as Pyme, Efectivo, Vivienda, and other business loans.
2. Savings Account Fees and Interest: Revenue from savings account services including WOW savings accounts, fixed deposits, and other savings products, generating fees and interest spread.
3. Insurance Products: Revenue generated from insurance products including Cuenta Protegida, SOAT, Desgravamen, and general protection insurance sold alongside banking products.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Compartamos Financiera (operating as Compartamos Banco S.A.) is a Peruvian microfinance institution that provides credit, savings, insurance, and payment services to entrepreneurs, microbusiness owners, and individual consumers. Its core offering centers on group-based microcredit (Crédito Grupal) for women entrepreneurs and individual credit products (personal, housing, PyME, agricultural, asset financing), complemented by a portfolio of savings accounts, insurance products, and digital banking channels.

Product overview

Compartamos Banco is a Peruvian microfinance institution operating as a unified banking platform offering a comprehensive portfolio of credit, savings, and insurance products targeted at entrepreneurs and individuals. The core product lines include Grupal (group-based microcredit for women entrepreneurs) and Individual credit products, supported by diverse savings accounts (WOW, Simple, Entrepreneurs, Super Mujer) and insurance products (Cuenta Protegida, SOAT, Desgravamen). Digital banking services including Banca por Internet (web) and Banca por Móvil (mobile app) complement traditional branch and agency services. Payment services include debit cards, wire transfers, BIM mobile payments, and bill payment services. The company operates under GENTERA corporate group and is headquartered in Lima, Peru.

Differentiator

Problem solved

Functional benefit

Brands

• Compartamos Impulsa: Tips and practical advice for learning to manage personal finances.

Products and services

• Crédito Grupal Group-based credit product providing access to financing through community lending circles for male and female entrepreneurs in Peru.
• Crédito Individual Individual credit solutions offering personal loans and business financing for entrepreneurs and individuals, including Efectivo, Vivienda, Pyme, Consolidación de Deuda, Activo Fijo, Local Comercial, Empresario, Súper Fácil, Agro, Línea de Crédito, and Crece y Mejora.
• Cuenta de Ahorros WOW High-yield savings account with competitive interest rates for personal savings goals.
• Depósito a Plazo Fijo Fixed-term deposit account with guaranteed returns over a specified period.
• Cuenta de Ahorros Simple Basic savings account with no minimum balance requirements for individual customers.
• Cuenta Emprendedores Savings account designed for entrepreneurs to manage business finances.
• Cuenta Súper Mujer Savings account tailored for women entrepreneurs with special benefits.
• CTS (Compensación por Tiempo de Servicios) Peruvian government-mandated employment benefit savings account for workers.
• Seguros (Insurance Products) Insurance products including Cuenta Protegida (accident and death coverage), SOAT (mandatory vehicle accident insurance), and Desgravamen (credit life insurance covering outstanding loan balances in case of borrower death or disability).
• Banca por Internet Online banking platform for account management, transactions, and financial services access via web browser.
• Banca por Móvil Mobile banking application enabling customers to access banking services via smartphone devices.
• Payment Services (Transferencias, BIM, Tarjeta de Débito, Pago de Servicios, Cheques de Gerencia) Comprehensive payment services including debit cards for ATM and POS transactions, domestic wire transfers and interbank transfers, BIM mobile payments via phone number, manager's checks for secure large-value payments, and bill payment for utilities and recurring services.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Mibanco: Largest microfinance bank in Peru, part of the BCP group; competes head-to-head with Compartamos in microcredit, savings, and SME lending for entrepreneurs and underserved segments.
• Caja Huancayo: Major Peruvian microfinance institution offering credit, savings, and insurance to micro-entrepreneurs and individuals across the country.
• Caja Arequipa: Large Peruvian microfinance savings institution with a comparable product suite — group and individual credit, deposits, and insurance — targeting similar entrepreneurs and consumer segments.
• Financiera Confianza: Peruvian microfinance institution focused on microcredit for entrepreneurs and small businesses, directly overlapping Compartamos' core clientele and product mix.
• Crediscotia Financiera: Peruvian financial institution (Scotiabank group) providing microcredit, consumer finance, and SME loans, competing for similar segments as Compartamos Banco.

Regional players

• Banco Compartamos (Mexico): Mexican sister entity under GENTERA offering microcredit to entrepreneurs; not a direct geographic competitor but shares product model, operating playbook, and corporate governance.
• BancoSol: Bolivian microfinance bank serving entrepreneurs and individuals with a comparable product suite; comparable LatAm microfinance peer outside of Peru.

Emerging players

• Yape: Dominant Peruvian mobile wallet operated by BCP; competes with Compartamos' payment and low-value banking services and is reshaping customer expectations around digital finance.
• Plin: Peruvian interbank mobile payment platform backed by multiple banks; competes with Compartamos in instant transfers and bill payments.

Broad incumbents

• Banco de Crédito del Perú (BCP): Largest Peruvian commercial bank with full retail, SME, and increasingly microfinance offerings; an incumbent competitor that also owns Yape, threatening Compartamos across multiple product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/compartamosperu
• LinkedInlinkedin.com/company/compartamos-financiera-s-a-

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Compartamos Financiera