Central Ciderural

What Central Ciderural does

Central Ciderural (CIDERURAL), legally Central de Cooperativas de Ahorro y Crédito para la Integración y Desarrollo Rural, is a Peruvian cooperative central founded in 2008 and headquartered in San Borja, Lima. It functions as a second-tier cooperative intermediary for 30+ member Cooperativas de Ahorro y Crédito (COOPACs) operating across 16 regions of Peru, primarily serving rural and agricultural populations underserved by traditional banking. The organization is supervised by the Superintendencia de Banca, Seguros y AFP (SBS) and combines financial intermediation, proprietary technology, and non-financial services within an integrated member-services model.

CIDERURAL's product portfolio spans financial services through its CIDECOOP credit facility (inter-cooperative lending in soles and dollars with terms up to 36 months and minimum ticket of S/50,000) and a multi-tier deposit suite (savings accounts, fixed-term deposits, programmed fixed-term deposits), alongside proprietary technology including the Software Financiero Integrado (SFI) on a Client-Server architecture, MicroScore credit scoring (versions 4.5 and 5.0.0) embedding the 7Cs of credit methodology with sustainable finance criteria, and SICURIC 2.5 for credit risk quantification. MicroScore 5.0.0 integrates external data sources (Buró de Crédito, SARAS, Agroclimática, Registro Civil) and supports geolocation-based territorial analysis and 100% digital credit files. Non-financial services include Gestión Integral de Riesgos (GIR) advisory, accounting under SBS standards, cybersecurity, Ventanilla Compartida shared service window, software PARADISE, coworking space rental, and capacity-building programs.

The business model combines multiple revenue streams: interest spreads on inter-cooperative lending and deposit-taking, one-time permanent software licenses for SFI and PARADISE with six months of implementation support, recurring training and capacitation fees differentiated by member vs. non-member status (e.g., S/100 vs. S/170 per seminar), professional services for regulatory risk management, and ancillary coworking/event-space rental. Distribution relies on direct enterprise field sales to member COOPACs, event-driven demand generation through webinars, workshops, and regional forums, and institutional partnerships led by a long-standing strategic alliance with DGRV (Confederación Alemana de Cooperativas) via the CoopSur project (2025–2027), with complementary international linkages to FINANCOOP Ecuador, CRESOL Brazil, and CoopCoP Amazon network.

Name

Central Ciderural

Legal name

Central de Cooperativas de Ahorro y Crédito para la Integración y Desarrollo Rural

Website

https://ciderural.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Central Ciderural is a Peruvian SBS-supervised cooperative central founded in 2008 that provides inter-cooperative lending, deposit services, proprietary credit-scoring software (MicroScore, SICURIC), risk management advisory, and training to 30+ member COOPACs across 16 regions serving rural and agricultural populations.

Ownership category

akta.pro rank

Product category

Cooperative Financial Services

NAICS

Credit Unions (522130), Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Finance Services (6199)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Cooperative financial services
• Rural credit unions
• Credit risk management
• Cooperative banking software
• Microfinance technology

Headquarters

HQ city

San Luis

HQ country

Peru

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. CIDECOOP - Credit/Lending (Caja Central): CIDERURAL's central caja (Caja Central) provides inter-cooperative lending (CIDECOOP) to member COOPACs. Loans in soles and dollars with terms up to 36 months, minimum amount S/. 50,000, maximum 30% of CIDERURAL's effective equity. This constitutes a core financial service revenue stream.
2. Training and Capacitation Services: CIDERURAL charges fees for specialized training programs, workshops, webinars, seminars, and certifications. Pricing varies by member/non-member status (e.g., S/100 for members, S/145 for non-members for inspections training). Subjects include risk management, regulatory compliance, tax closing, and credit scoring.
3. Deposit Services: Fixed-term deposits and savings accounts for member COOPACs. Includes deposit accounts in savings accounts and fixed-term deposit accounts with competitive rates. These deposits generate liquidity management income for CIDERURAL's caja central.
4. Software Licensing (SFI and PARADISE): Permanent software licenses for integrated financial software (SFI) provided to COOPACs. Includes 6 months of free post-implementation support. Revenue is generated through software deployment and support contracts.
5. Integral Risk Management Services (GIR): Comprehensive risk management advisory services including report preparation for SBS, integral risk system implementation, regulatory compliance, and process optimization for member COOPACs.
6. Coworking and Office Rental: Rental of offices and multifunctional spaces in San Borja, Lima. Spaces accommodate 20-70 people, include Wi-Fi, projector, whiteboard, and special discounts for affiliated cooperatives.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels11 records

Core offering

Central CIDERURAL provides centralized financial intermediation (caja central) for member savings and credit cooperatives (COOPACs), accepting deposits in current, savings, and fixed-term accounts and extending credit to members. It complements these financial services with proprietary technology (MicroScore credit scoring, SICURIC 2.5 risk management, SFI and PARADISE financial software, GIR integral risk management) and capacity-building through technical assistance and training programs targeted at cooperative staff and officials.

Product overview

Central Ciderural operates as a cooperative central organization providing an integrated ecosystem of financial and non-financial services to member savings and credit cooperatives (COOPACs) in Peru. The core product portfolio includes the Software Financiero Integrado (SFI) for electronic financial data processing, MicroScore for credit evaluation and risk assessment using the 7Cs methodology with sustainable finance criteria, and SICURIC 2.5 for credit risk analysis. The financial services suite encompasses CIDECOOP (central credit facility), deposit services (savings accounts, fixed-term deposits, programmed fixed-term deposits), Fondo de Reserva de Liquidez (liquidity reserve fund), Gestión Integral de Riesgos (comprehensive risk management), and accounting services. Non-financial services include cybersecurity, Software PARADISE, Ventanilla Compartida (shared service window), coworking spaces, collection services, and sales support. The organization also provides training and capacity-building programs through webinars, workshops, and specialized courses.

Differentiator

Problem solved

Functional benefit

Brands

• CIDECOOP: Credit services brand providing loans in soles and dollars to member COOPACs, with terms up to 36 months, through the Caja Central.
• Gestión Integral de Riesgos (GIR)
• MicroScore

Products and services

• Software Financiero Integrado (SFI)

Quantifiable outcome

• More than 100 participants in MicroScore 5.0.0 launch webinar
• +2 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability6 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• DGRV - MicroScore 5.0.0 PartnershipcoreStrategic or Co-development Partner · 26 February 2026CIDERURAL and DGRV jointly launched MicroScore 5.0.0, an advanced credit evaluation and risk management platform for Cooperativas de Ahorro y Crédito. The partnership represents a model of international technical cooperation for institutional strengthening of the Peruvian cooperative system.
• HUMUNDIminorStrategic or Co-development Partner · 21 August 2025Collaboration on sustainable agricultural finance. CIDERURAL presented the PFDAS study on financial products for sustainable agricultural development to BID Invest. HUMUNDI supports the development of financing products that promote agroecological transition of small rural producers.
• CoopCoP (Comunidad de Práctica de Cooperativas Financieras Amazónicas)minorStrategic or Co-development Partner · 21 August 2025CIDERURAL actively participates in the CoopCoP Amazon financial cooperatives community of practice. At the Quito meeting (2025), CIDERURAL assumed an active role in the consulting axis on financing product design for economically sustainable activities. Next CoopCoP 2026 planned in Peru.
• FINANCOOP EcuadorminorStrategic or Co-development Partner · 1 August 2025Regional cooperation with Ecuador's FINANCOOP. CIDERURAL participated as special guest at FINANCOOP's 26th anniversary, strengthening cross-border cooperative ties and exchanging experiences in professionalization and good practices.
• CRESOL (Brasil)minorStrategic or Co-development Partner · 1 August 2025Brazilian cooperative organization participating in the Forum of Good Practices in Ecuador. CRESOL, along with AFD, AgriCord, TRIAS, and Acodéa, supports the Forum promoting integration, sustainability, and strengthening of rural cooperativism in the Amazon.
• DGRV (Confederación Alemana de Cooperativas)coreStrategic or Co-development Partner · 1 January 2025Long-standing strategic partnership through the CoopSur project (2025-2027). DGRV provides international methodologies and technical assistance including SPE (Strategic Planning), SPF (Financial Planning), BSC (Balanced Scorecard), MicroScore credit scoring tools, and Balance Social. This is CIDERURAL's primary international cooperation partner for cooperative modernization.
• Universidad Nacional Mayor de San Marcos - Facultad de Ciencias AdministrativasminorStrategic or Co-development Partner · 1 January 2025Preliminary agreement for institutional cooperation including joint projects, pre-professional practices, training, specializations, and professionalization of executives and directors of cooperatives. Signed with the Faculty of Administrative Sciences.
• FOGAL - Fondo de Garantía LatinoamericanominorStrategic or Co-development Partner · 1 January 2025FOGAL provides guarantee services that enable member COOPACs (e.g., COOPAC Cabanillas-Mañazo) to access financing with backing. CIDERURAL established a technical bridge connecting cooperatives to FOGAL's guarantee services.
• Allinllam KachkaniminorStrategic or Co-development Partner · 1 January 2025Partnership between Coopac Inclusiva and Allinllam Kachkani NGO. Coopac Inclusiva commits to provide land for construction of a free comprehensive care center for children with disabilities in Quilmaná, Cañete. Both share the vision of improving quality of life for vulnerable populations.
• Humundi, Iles de Paix, Autre TerreminorStrategic or Co-development Partner · 1 January 2024CIDERURAL participated in the 'Annual Meeting of Partner Members' convened by Humundi, Iles de Paix, and Autre Terre. These organizations support sustainable development and financial inclusion in agricultural communities.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Agrobanco: Peruvian development bank dedicated to agricultural credit. Agrobanco competes for the same small agricultural producer segment that CIDERURAL's member COOPACs serve, and represents a benchmark for institutional scale within Peru's rural financial inclusion landscape.
• World Council of Credit Unions (WOCCU): Global trade association and apex body for credit unions and cooperative financial institutions. Comparable to CIDERURAL as a sector-umbrella and capacity-building organization, though operating globally rather than at the central level.
• CRESOL: Brazilian cooperative system of agricultural credit unions serving small rural producers. CRESOL is comparable to a 'scaled-up CIDERURAL' — both operate cooperative centrals focused on agricultural and rural financial inclusion, with shared participation in regional forums like CoopCoP.

Direct peers

• CoopCentral: Colombian cooperative central providing financial intermediation, software, and risk services to member cooperatives. CoopCentral is directly comparable on operating model (central caja + non-financial services to COOPAC members) and is a natural cross-border benchmark for CIDERURAL's growth trajectory.
• FINANCOOP: Ecuador's cooperative central federation serving savings and credit cooperatives. FINANCOOP is the closest geographic and structural peer to CIDERURAL — both operate as cooperative centrals providing inter-cooperative financial services, training, and technical assistance to member COOPACs.

Others

• RINA (Red de Instituciones Financieras Alternativas): Regional network of alternative finance institutions across Latin America. RINA provides a peer reference for CIDERURAL's regional integration strategy through CoopCoP and crosses into the cooperative finance / microfinance category served by CIDERURAL.
• FOGAL (Fondo de Garantía Latinoamericano): Latin American guarantee fund facilitating COOPAC access to financing. FOGAL is a strategic ecosystem partner (not a competitor) to CIDERURAL, providing credit guarantees that complement CIDECOOP's central lending to member cooperatives.
• DGRV (Confederación Alemana de Cooperativas): Strategic partner and enabler rather than competitor. DGRV is the international cooperation partner providing MicroScore, SPE, SPF, and BSC methodologies to CIDERURAL — comparable as the upstream developer of the proprietary credit-scoring toolkit that distinguishes CIDERURAL in the Peruvian market.

Regional players

• Confecoop: Colombian confederation of cooperatives representing and supporting the cooperative sector. Comparable to CIDERURAL's institutional/representative role within the Peruvian cooperative system, though focused on a different country.

Emerging players

• COOPAC Inclusiva: Flagship member COOPAC of CIDERURAL serving 4,000+ entrepreneurs in Peru. Inclusiva is the single most strategically important counterpart to CIDERURAL — comparable as both a customer and a downstream cooperative model that could, at scale, challenge CIDERURAL's intermediation role.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/ciderural
• YouTubeyoutube.com/channel/UCMY4INateQBm4tcwlRMj4EA
• Facebookfacebook.com/CIDERURAL
• LinkedInlinkedin.com/company/central-ciderural
• Instagraminstagram.com/central_ciderural

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

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 Central Ciderural