Coomecipar

What Coomecipar does

Coomecipar Ltda. is a Paraguayan non-profit cooperative incorporated on 19 October 1972 (originating from a 1967 physicians' savings fund) that delivers a vertically integrated suite of financial and non-financial services to licensed healthcare professionals and their families. Its core financial products include ordinary, consumption, housing, and business credits (promotional rate of 9.9% annual), a savings suite spanning vista, fixed-term, planned, combined, and programmed products, debit cards accepted at 40,000+ Infonet merchants, and credit cards across Mastercard (Classic/Gold), Cabal, and Credicard rails. These are delivered through a hybrid channel model of 14+ physical branches (Casa Central plus agencies across Asunción and branches in five secondary cities) and a digital stack — App ServiWeb, App Te Paso, and online ServiWeb — that includes QR PIX cross-border payments to Brazil. Non-financial services include SPS Medicina Prepaga (prepaid health insurance with own laboratory and clinic in Asunción, now offered to the general community), Solidaridad (subsidies for disability, maternity, and death), and venue rentals including the heritage-designated La Casona.

The business model is a member-owned cooperative: revenue derives from interest income on credit (3.18 trillion Gs. loan portfolio), member contributions and solidarity quotas, savings-deposit spreads, and card-related fees; surpluses are redistributed to members as excedentes rather than paid to external shareholders. Reported period income as of 31 July 2026 was 403,935,173,657 Gs. on total assets of 4,752,517,829,969 Gs. and net equity of 958,409,476,639 Gs., with period excedentes of 121,538,656,418 Gs. Governance is democratic (Consejo de Administración, Junta de Vigilancia, Tribunal Electoral Independiente), the entity is regulated by INCOOP under Resolution 16.345/2017, and it holds a pyAA stable risk rating from Solventa & Riskmétrica (April 2026) plus SGS/ISO certification. Customer acquisition combines in-branch, online application, and pre-association for final-year healthcare students, with member engagement driven by the monthly Identidad magazine, social media, cultural/sports activities, and an annual storytelling contest.

Name

Coomecipar

Legal name

Coomecipar Ltda.

Website

https://coomecipar.coop.py

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

251–500 employees

Short description

Coomecipar is a Paraguayan healthcare-professional cooperative offering credits, savings, credit/debit cards, and SPS prepaid healthcare to 108,057 members, operating through branch and digital channels including App ServiWeb and QR PIX cross-border payments.

Ownership category

akta.pro rank

Product category

Cooperative Financial Services

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Personal Credit Institutions (6141), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

• Cooperative financial services
• Member savings products
• Cooperative credit services
• Prepaid health insurance
• Digital cooperative banking

Headquarters

HQ city

Asunción

HQ country

Paraguay

HQ region

Latin America

Offices14 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: Interest income from personal, business, housing, and other loans extended to members. The cooperative offers various credit products including ordinary credits (promotional rate of 9.9% annual), consumption credits, professional development credits, housing credits, business credits, and training credits.
2. Savings Deposits: Member savings including vista savings (0.25% annual rate), fixed-term savings, planned savings, combined savings, and programmed savings. These deposits form the basis for lending activities.
3. Credit Card Fees: Revenue from credit card services including Mastercard (Classic and Gold), Cabal, and Credicard with coverage ranging from national to international. Fees include monthly account maintenance (G. 10,000), issuance, renewal, and transaction commissions.
4. Membership Contributions: Monthly contributions from active members. Joining fee is G. 92,000 including one year of contributions (G. 72,000), first solidarity quota (G. 10,000), and savings account activation (G. 10,000).
5. Solidarity Services: Economic assistance to members facing health issues, maternity, or death. Services include temporary disability subsidies, permanent disability support, pregnancy-related assistance, and death benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Coomecipar is a non-profit cooperative that provides financial services including personal, business, and housing loans; multiple savings account modalities; Mastercard, Cabal, and Credicard credit cards; and debit cards. It also operates SPS Medicina Prepaga, a prepaid health plan service with its own laboratory and clinic facilities in Asunción. Services are delivered to 108,057 active members primarily composed of university-educated healthcare professionals across Paraguay.

Product overview

Coomecipar is a Paraguayan cooperative offering a comprehensive suite of financial and non-financial services. The core financial products include Loans (Créditos) for personal, business, and housing purposes; Credit Cards (Mastercard, Cabal, and Credicard variants); Savings accounts with multiple modalities (Vista, Plazo Fijo, Planificado, Combinado, Programado); and Debit Cards with contactless and digital functionality. The digital banking platform App/ServiWeb serves as the unified access point for all services, enabling payments, transfers, QR payments including Brazilian QR PIX, and credit applications. Non-financial services include SPS Medicina Prepaga for health coverage with own laboratory and clinic facilities, and Solidaridad for member subsidies in cases of disability, maternity, or death.

Differentiator

Problem solved

Functional benefit

Brands

• SPS (Servicio de Protección a la Salud): Health insurance/medicina prepaga service offering health plans with its own laboratory and clinic in Asunción. Open to members, cooperativists, and the general community.

Products and services

• Credits (Loans) Loan products including personal loans for expenses and projects, business loans for professionals and entrepreneurs, housing loans for home purchase and construction, and promotional loans with preferential rates. Members can apply via App ServiWeb or in-branch.
• Credit Cards Credit cards including Mastercard (Clásica and Oro) for international coverage with travel assistance, Cabal for regional Mercosur coverage, and Credicard for national coverage. Unified credit lines, installment plans, no issuance or renewal fees, and 18.39% financing interest rate.
• Savings Multiple savings products: Vista (demand deposits, 0.25% annual rate), Plazo Fijo (term deposits, up to 10.50% for 1,825 days), Planificado (planned savings with monthly deposits), Combinado (70% locked, 30% available), and Programado (group savings with monthly lotteries).
• Debit Cards Physical contactless debit cards and digital versions for QR payments, accepted at over 40,000 Infonet merchants nationwide and accessible at over 1,000 ATMs.
• App ServiWeb Digital Banking Platform

Quantifiable outcome

• 108,057 active members as of July 2026
• +2 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Solventa & Riskmétrica S.A. Calificadora de RiesgoscoreOthers · 1 April 2026Risk rating agency that provides solvency rating for Coomecipar. Current rating is pyAA with ESTABLE outlook as of April 2026.
• MastercardcoreTechnology or IntegrationInternational credit card partnership offering Mastercard Classic and Gold cards with global coverage. Includes travel assistance services, fraud insurance, and life insurance cancellation coverage.
• CabalcoreTechnology or IntegrationRegional credit card partnership with coverage within Mercosur countries. Card services include fraud protection and life insurance.
• CredicardcoreTechnology or IntegrationNational credit card coverage within Paraguay. Includes fraud protection, life insurance, and cash advances at cooperative windows.
• BancardcoreTechnology or IntegrationCredit card processor for extravios, theft reporting, and 24-hour consultation services for card blocking and assistance.
• InfonetcoreTechnology or IntegrationATM and payment network providing access to over 1,000 ATMs nationwide and more than 40,000 affiliated establishments for debit card transactions.
• SPS (Servicio de Protección a la Salud)coreOthersOwn health insurance service offering prepaid medicine with own laboratory and clinic facilities. Open to members, cooperativists, and the general community.
• Alianza Cooperativa Internacional (ACI)minorStrategic or Co-development PartnerInternational cooperative alliance to which Coomecipar adheres, following established cooperative values and principles.

Scale indicators10 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Visión Banco (Paraguay): One of Paraguay's regulated commercial banks offering deposits, credit cards, and lending to consumers and SMEs. Competes for the same member wallets as Coomecipar but with a broader retail footprint and shareholder-driven capital model.
• Banco Itaú Paraguay: Large Paraguayan commercial bank with comprehensive consumer and SME banking. Indirect overlap on savings, credit cards, and personal loans that could compete with Coomecipar's healthcare-professional member base.

Emerging players

• Zimple Paraguay: Paraguayan fintech offering digital accounts, transfers and QR-based payments. Overlaps directly with Coomecipar's payment/banking features and represents a digital-first threat to traditional cooperative savings relationships.
• Tigo Money (Millicom / Tigo Paraguay): Mobile money and digital financial services operator in Paraguay with strong agent network. It competes for day-to-day transactional relationships (QR payments, P2P transfers) that are foundational to Coomecipar's ServiWeb/Te Paso apps.

Direct peers

• Caja de Ahorro y Préstamo de las Fuerzas Armadas (Caja Militar del Paraguay): Another closed-membership Paraguayan financial institution serving a defined professional cohort (military personnel) with savings, credit, and complementary benefits. Highly comparable member-cooperative model serving a niche.
• Cooperativa Universitaria (Paraguay): Member-owned Paraguayan financial cooperative with deposit-taking and lending operations, comparable to Coomecipar in cooperative structure, regulatory regime (INCOOP), and core savings/credit business model. Direct overlap in distribution model and reliance on member loyalty.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Coomecipar
• Instagraminstagram.com/coomecipar_ltda

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Coomecipar