Cooperativa Minuto de Dios

What Cooperativa Minuto de Dios does

Cooperativa Minuto de Dios, legally Cooperativa Multiactiva Minuto de Dios, is a private Colombian multi-active cooperative headquartered in Bogotá and founded in 2001. It operates as the financial services arm of the Organización Minuto de Dios conglomerate, serving primarily students of affiliated higher-education institutions (with Uniminuto as the anchor partner alongside Uniagraria, Unicatólia, FUP, UTB, Fundación Universitaria Monserrate, Corporación Universitaria Rafael Núñez, and Tecnológico Comfenalco), employees of Minuto de Dios Organization entities, and — more selectively — graduates, volunteers, and member entrepreneurs. Its core product set comprises educational credit (repayment terms up to 42 months for undergraduate and 60 months for graduate programs, with automatic renewal), consumer credit, microcredit, vehicle credit (delivered with manufacturer partners AUTECO and AKT Motos), and business services. Pricing comprises a one-time affiliation fee of $29,000 COP, a recurring minimum monthly social contribution (aporte) of $22,000 COP, and credit interest rates published in a rate table; revenue is primarily interest income on the loan portfolio supplemented by affiliation fees, monthly contributions, and commercial-convention partnerships.

The cooperative distributes through 83 service points across 55 municipalities and 23 Colombian departments, including peripheral Ceres sites in Vichada and Vaupés — a footprint disproportionately weighted to on-campus presence at Uniminuto and partner universities. Digital distribution has been built out through three named proprietary assets: the 'App Mi Coop MD' mobile application for payments, certificate downloads, and loyalty-point redemption; 'Tu Portal Coop' as the transactional web portal; and an AI-powered WhatsApp chatbot named 'Blue' designated as the cooperative's primary service channel ('Canal Único de Servicio'). Supporting infrastructure includes the Datacrédito Experian integration for credit-bureau reporting and underwriting, Zonapagos for online payment processing, and the Vitrina Virtual Coopera marketplace for member entrepreneurs. Marketing blends WhatsApp, social media (Facebook, Instagram, LinkedIn, YouTube), email, and on-campus events, with a referral channel and a loyalty program that redeems points against partner discounts.

The business model is the closed-cooperative (cooperativa cerrada) model: membership requires formal affiliation with a Minuto de Dios Organization entity, governance runs through the standard Colombian cooperative bodies (Assembly of Delegates, Administrative Council, Junta de Vigilancia, Revisoría Fiscal, and General Management), and supervision falls under Supersolidaria. Members accumulate social capital rather than receiving dividends; contributions may be revalued annually subject to Assembly approval. No external funding rounds, M&A, or public listing are disclosed. Risk management for a thin-file student and employee borrower base depends on Datacrédito Experian data, on-campus presence for originations and collections, and the captive nature of payroll-deduction relationships for closed-cooperative members.

Name

Cooperativa Minuto de Dios

Legal name

Cooperativa Multiactiva Minuto de Dios

Website

https://coopminutodedios.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

251–500 employees

Short description

Cooperativa Minuto de Dios is a Colombian closed multi-active cooperative that provides educational, consumer, microcredit, vehicle, and business credit to students, employees, and alumni of the Organización Minuto de Dios and affiliated universities, distributed through 83 service points and digital channels across 23 departments.

Ownership category

akta.pro rank

Product category

Cooperative Financial Services / Credit Union

NAICS

Consumer Lending (522291), Credit Unions (522130)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Student/University Credit Unions (FSABAEAJ)

akta.pro secondary industries

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Cooperative financial services
• Educational credit
• Consumer lending
• Microcredit financing
• Member-owned cooperative

Headquarters

HQ city

Bogotá

HQ country

Colombia

HQ region

Latin America

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: Interest income from educational loans, consumer credit, microcredit, vehicle financing, and enterprise services. The cooperative earns interest on outstanding loan portfolios including Alminuto credit products.
2. Affiliation Fees: One-time affiliation fee of $29,000 COP charged to new members upon joining the cooperative.
3. Monthly Contributions (Aportes): Monthly social contributions from associates, with minimum of $22,000 COP per month, used for social investment and cooperative operations.
4. Commercial Partnerships: Commercial convention benefits offered to members generating indirect revenue through member retention and loan portfolio growth.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Cooperativa Minuto de Dios is a closed multi-active cooperative (cooperativa cerrada) that delivers financial services primarily through credit products to members affiliated to the Minuto de Dios Organization network. It funds higher-education tuition via Crédito Educativo (terms up to 42 months for undergraduate and 60 months for graduate programs), personal financing through Crédito de Consumo, Microcrédito for entrepreneurs, vehicle financing (Crédito Vehículo) with motorcycle brand partners, and Servicios Empresariales for associated businesses, supported by the App Mi Coop MD, the Tu Portal Coop transactional portal, and a WhatsApp service channel.

Product overview

Cooperativa Minuto de Dios is a multi-active cooperative offering a comprehensive financial services portfolio centered on credit products for educational, consumer, microcredit, vehicle, and business purposes. The core product suite includes Crédito Educativo for higher education financing (with terms up to 42 months for undergraduate and 60 months for graduate programs), Crédito de Consumo for personal needs, Microcrédito for entrepreneurship, and Crédito Vehículo for mobility solutions. Digital services are delivered through the App Mi Coop MD for account management, payments, and certificates, complemented by the Vitrina Virtual Coopera platform supporting member entrepreneurship. The cooperative also offers promotional seasonal credit products like Alminuto Mundialista, all accessible through an extensive national network of 83 service points across 55 municipalities and 23 departments.

Differentiator

Problem solved

Functional benefit

Brands

• Tejiendo Sueños: Social impact program that drives educational, cultural, and community projects in vulnerable sectors.
• Tejiendo Sueños

Products and services

• Crédito Educativo (Educational Credit)
• Crédito de Consumo (Consumer Credit)
• Microcrédito (Microcredit)
• Crédito Vehículo (Vehicle Credit)
• Servicios Empresariales (Business Services)
• App Mi Coop MD
• Vitrina Virtual Coopera

Quantifiable outcome

• Coverage in 23 departments and 55 municipalities through 83 service points
• +1 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Corporación Universitaria Minuto de Dios (Uniminuto)coreStrategic or Co-development PartnerPrimary institutional partner; Uniminuto is the main university of the Minuto de Dios Organization. The cooperative maintains extensive presence at Uniminuto campuses across Colombia, offering educational credit and financial services directly to students and staff at 80+ campus locations nationwide.
• ICETEXcoreStrategic or Co-development PartnerColombian national student loan agency. Cooperativa Minuto de Dios works with ICETEX to facilitate educational financing for university students, providing complementary credit options alongside government student loans.
• Fundación Universitaria de Popayán (FUP)minorChannel Partner/ Reseller/ DistributorEducational institution partner allowing cooperative to offer credit products to FUP students through affiliated service points.
• Universidad de los AndesminorChannel Partner/ Reseller/ DistributorPartner institution where students can access ICETEX credit processed through the cooperative's platform.
• Universidad Tecnológica de Bolívar (UTB)minorChannel Partner/ Reseller/ DistributorCartagena-based university partner with cooperative credit services for students.
• Fundación Universitaria MonserrateminorChannel Partner/ Reseller/ DistributorBogotá-based university partner with cooperative presence for student credit services.
• Corporación Universitaria Rafael NúñezminorChannel Partner/ Reseller/ DistributorCartagena-based university partner providing cooperative credit access to students.
• Fundación Universitaria Tecnológico ComfenalcominorChannel Partner/ Reseller/ DistributorCali-based technical university partner with cooperative credit services for students.
• Unicatólica (Institución UniversitariaminorChannel Partner/ Reseller/ DistributorCali-based university partner with multiple campus locations (Centro, Melendez, Pance) offering cooperative services.
• Uniagraria BogotáminorChannel Partner/ Reseller/ DistributorBogotá agricultural university partner with cooperative service point on campus.
• SupersolidariacoreOthersColombian cooperative supervisory entity that oversees and regulates the cooperative sector. Cooperativa Minuto de Dios displays Supersolidaria certification as part of its institutional credibility.
• Datacrédito ExperiancoreTechnology or IntegrationColombian credit bureau. The cooperative reports member credit behavior and queries credit history for loan assessments, critical for risk management.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• Coomeva (Cooperativa Médica del Valle): Historically one of Colombia's largest cooperatives offering credit, health, and savings products to a closed membership base. Comparable as a multi-service Colombian cooperative with similar member-driven structure, though Coomeva's broader scope and recent sector challenges make it a benchmark for cooperative risk and scale.
• Cooperativa Colanta: Large Colombian multi-active cooperative affiliated with the dairy sector, offering credit and savings services to a closed membership base. Comparable in cooperative governance, member-funded capital model, and Colombian geographic footprint, though it operates in a different industry vertical.
• Sufi (Bancolombia): Bancolombia's vehicle and consumer financing subsidiary, active in Colombian consumer credit. Comparable as a Colombian consumer-credit provider, though structured as a fintech subsidiary of a major bank rather than a cooperative — represents a competitive benchmark for digital credit origination.

Direct peers

• Cooperativa Confiar: Colombian multi-active cooperative offering savings, credit, and financial services to members with similar closed-cooperative structure and emphasis on social-purpose lending. Directly comparable as a Colombian cooperative serving a defined member base with a multi-product credit portfolio.
• ICETEX: Colombian national student loan agency and the country's primary higher-education credit provider. Directly comparable because it serves the same target customer (university students needing financing) and is an explicit partner of Cooperativa Minuto de Dios, defining the addressable student-credit market.
• Bancamia: Colombian microfinance bank focused on microcredit and financial inclusion for underserved entrepreneurs and small businesses. Comparable as a non-bank credit provider serving low/middle-income Colombians with limited access to traditional banking, overlapping with Cooperativa Minuto de Dios's microcredit segment.

Emerging players

• Nequi: Colombian digital wallet and consumer credit provider targeting young and unbanked users. Comparable as a digital-first lender serving Colombian students and young adults with consumer credit products, representing the fintech competition Cooperativa Minuto de Dios faces for member mind-share.

Regional players

• Banco de las Microfinanzas - Bancamía (MIFEL): Microfinance lenders operating in the Colombian and broader Latin American market with similar small-ticket, inclusion-oriented credit products. Comparable as providers of microcredit and consumer credit to similar underserved segments, though structured as for-profit banks rather than cooperatives.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCUuAywZg-g2pNN0aGx62gBg
• Facebookfacebook.com/CoopMinutoDeDios
• LinkedInco.linkedin.com/company/cooperativa-minuto-de-dios
• Instagraminstagram.com/coopminutodedios

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 Cooperativa Minuto de Dios