Cooperativa Minuto de Dios
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.
- Company typePrivate
- Founded2001
- HeadquartersBogotá, Colombia
- Headcount251–500
- GTM typeB2C
- OfferingServices
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.
Cooperativa Minuto de Dios firmographics
Firmographics- 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
Cooperativa Minuto de Dios industry classification
Industry- 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
Where Cooperativa Minuto de Dios is headquartered
LocationHeadquarters
- HQ city
- Bogotá
- HQ country
- Colombia
- HQ region
- Latin America
Offices10 records
Markets served
Cooperativa Minuto de Dios business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- 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.
- Affiliation Fees: One-time affiliation fee of $29,000 COP charged to new members upon joining the cooperative.
- Monthly Contributions (Aportes): Monthly social contributions from associates, with minimum of $22,000 COP per month, used for social investment and cooperative operations.
- Commercial Partnerships: Commercial convention benefits offered to members generating indirect revenue through member retention and loan portfolio growth.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Affiliation fee for new members |
| Subscription | Monthly | Monthly social contributions (aportes) |
| Subscription | Monthly | Educational credit - Pregrado |
| Subscription | Monthly | Educational credit - Posgrado |
| Subscription | Monthly | Consumer credit and microcredit |
| Unit Pricing | Monthly | Alminuto Temporada credit |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Cooperativa Minuto de Dios product offering
Product offeringCore 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
Companies that use Cooperativa Minuto de Dios
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles3 records
Cooperativa Minuto de Dios technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Cooperativa Minuto de Dios partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Corporación Universitaria Minuto de Dios (Uniminuto)corePrimary 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.
- ICETEXcoreColombian 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)minorEducational institution partner allowing cooperative to offer credit products to FUP students through affiliated service points.
- Universidad de los AndesminorPartner institution where students can access ICETEX credit processed through the cooperative's platform.
- Universidad Tecnológica de Bolívar (UTB)minorCartagena-based university partner with cooperative credit services for students.
- Fundación Universitaria MonserrateminorBogotá-based university partner with cooperative presence for student credit services.
- Corporación Universitaria Rafael NúñezminorCartagena-based university partner providing cooperative credit access to students.
- Fundación Universitaria Tecnológico ComfenalcominorCali-based technical university partner with cooperative credit services for students.
- Unicatólica (Institución UniversitariaminorCali-based university partner with multiple campus locations (Centro, Melendez, Pance) offering cooperative services.
- Uniagraria BogotáminorBogotá agricultural university partner with cooperative service point on campus.
- SupersolidariacoreColombian cooperative supervisory entity that oversees and regulates the cooperative sector. Cooperativa Minuto de Dios displays Supersolidaria certification as part of its institutional credibility.
- Datacrédito ExperiancoreColombian 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
Cooperativa Minuto de Dios competitors and assessment
Company assessmentBroad 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
Cooperativa Minuto de Dios social profiles
Digital presenceCooperativa Minuto de Dios financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cooperativa Minuto de Dios leadership team
Management profileNumber of profiles
Cooperativa Minuto de Dios funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cooperativa Minuto de Dios M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cooperativa Minuto de Dios
What does Cooperativa Minuto de Dios do?
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.
Is Cooperativa Minuto de Dios a public or private company?
Cooperativa Minuto de Dios is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Cooperativa Minuto de Dios founded?
Cooperativa Minuto de Dios was founded in 2001. It employs 251 to 500 people.
Where is Cooperativa Minuto de Dios based?
Cooperativa Minuto de Dios is headquartered in Bogotá, Colombia, in the Latin America region.
How does Cooperativa Minuto de Dios make money?
Four revenue lines are on record. Credit Interest Income is the primary driver. The others are affiliation Fees, monthly Contributions (Aportes) and commercial Partnerships.
Who are Cooperativa Minuto de Dios's main competitors?
Broad incumbents on record are Coomeva (Cooperativa Médica del Valle), Cooperativa Colanta and Sufi (Bancolombia). Direct peers are Cooperativa Confiar, ICETEX and Bancamia. Nequi is listed as an emerging player. Banco de las Microfinanzas - Bancamía (MIFEL) is listed as a regional player.
Does Cooperativa Minuto de Dios have an API?
No public API is recorded for Cooperativa Minuto de Dios.
What industry is Cooperativa Minuto de Dios in?
Cooperativa Minuto de Dios's product category is Cooperative Financial Services / Credit Union. Its primary akta.pro industry code is FSABAEAJ, Student/University Credit Unions, with a secondary code of FSAKAJAH, Credit Counseling & Debt Management Plans (DMP). Its NAICS code is 522291 and its SIC code is 6141.