Cooperativa Santa Catalina

Name

Cooperativa Santa Catalina

Legal name

Cooperativa Santa Catalina de Moquegua Ltda. 103

Website

https://csc.com.pe

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213), Consumer Lending (522291), Depository Credit Intermediation (5221)

SIC

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

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industries

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF), Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Savings and credit cooperative
• Microenterprise lending
• Agricultural financing
• Term deposit products
• Member financial services

Headquarters

HQ city

Moquegua

HQ country

Peru

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: The cooperative generates primary revenue from interest charged on various credit products including Coope Micro, Coope Mype, Coope Mediana, Coope Consumo, Coope Hipotecario, Coope Convenio, and Coope Fijo Agropecuario. Interest rates (TEA) range from 15% to 53% depending on product type and loan amount.
2. Interest on Savings and Deposits: The cooperative pays interest on savings deposits (TREA ranging from 1.00% to 4.00%) and time deposits, managing a margin between lending rates and deposit rates.
3. Service Fees and Commissions: Fees for financial services including administrative charges, card maintenance (with some exemptions noted), and other service-related charges as detailed in the cooperative's fee schedule (tarifario).
4. Fondo de Auxilio Económico Contributions: Members pay into the Economic Assistance Fund upon joining (S/ 3.50) and may access solidarity benefits in special cases, contributing to the cooperative's social mission while generating ancillary revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Cooperativa Santa Catalina is a member-owned savings and credit cooperative that provides credit products (microenterprise, small/medium enterprise, consumer, mortgage, agricultural, and agreement-based loans), savings products (mobile savings and time deposits), salary advances, an economic assistance fund, and adjudicated property sales exclusively to its members. The cooperative operates four physical branches in southern Peru and is regulated and supervised by the SBS.

Product overview

Cooperativa Santa Catalina operates as a multi-product cooperative financial institution (COOPAC) regulated by SBS, offering a unified portfolio of credit and savings products organized under the 'Coope' brand system. The core offering includes microenterprise (Coope-Micro, Coope-Mype), agricultural (Coope-Fijo Agropecuario), medium enterprise (Coope-Mediana), consumer (Coope-Consumo), agreement-based (Coope-Convenio), and housing (Coope-Casa) credit products, complemented by mobile and term deposit savings accounts. The cooperative also provides ancillary services including salary advances, an economic assistance fund for members, and adjudicated property sales. All products are exclusively available to members (socios) of the cooperative.

Differentiator

Problem solved

Functional benefit

Brands

• Coope-Micro: Microenterprise credit products and services
• Coope-Mype
• Coope-Mediana
• Coope-Fijo Agropecuario
• Coope-Consumo
• Coope-Convenio
• Coope-Casa

Products and services

• Coope-Micro Microenterprise credit loan with amounts from S/1 to S/20,000, TEA 34%–47% depending on amount and guarantee, targeting members with indebtedness under S/20,000 in the financial system.
• Coope-Mype Micro and small business credit product for businesses with total indebtedness between S/20,000 and S/300,000 in the last 6 months, providing financing, supplies, and advisory support. Loan amounts S/1–S/300,000 with TEA 21%–34%.
• Coope-Mediana Medium enterprise credit for businesses with indebtedness over S/300,000 in the last 6 months, with amounts from S/1 to S/500,000, TEA 15%–29%, and terms up to 36 months for working capital and fixed asset financing.
• Coope-Fijo Agropecuario (Coope-Agrícola Ganadero) Fixed-term agricultural and livestock credit providing financing, supplies, and advisory services for agricultural and livestock producers in rural areas of southern Peru.
• Coope-Consumo Non-revolving consumer credit for individual members based on payment capacity, with amounts from S/1 to S/100,000, terms of 12 to 48 months, and TEA rates from 41% to 53%.
• Coope-Convenio Agreement-based consumer credit with preferential rates for members affiliated through employer or business partnerships, offering exclusive benefits and discounts with allied local businesses. Amounts S/5,001–S/200,000, TEA 16%–22%, terms up to 60 months.
• Coope-Casa (Coope-Hipotecario) Housing mortgage credit for property acquisition or construction with amounts from S/20,001 to S/300,000, terms of 60 to 120 months, and TEA rates from 15% to 24%.
• Depósitos de Ahorro Móvil Mobile savings deposit product with 1.00% TREA, zero maintenance fees, and no ITF (Financial Transactions Tax) charges, offering convenient digital access to savings.
• Depósitos a Plazo Fijo Term deposits available in multiple durations: 90 days (1.50% TREA), 180 days (2.00% TREA), 360 days (2.50% TREA), 720 days (3.00% TREA), 1080 days (3.50% TREA), and 1440 days (4.00% TREA).
• Adelanto de Sueldo Salary advance service allowing members to access up to 60% of their monthly salary with a 1-month repayment term. Requires minimum 22 years age, 3 months of cooperative affiliation, normal credit history (1 CPP allowed), and no arrears greater than 5 days.
• Fondo de Auxilio Económico Economic assistance fund providing solidarity benefits to members in special cases, including funeral expense coverage (mortuary fund) for deceased members and their designated beneficiaries. Members contribute S/3.50 upon joining.
• Bienes Adjudicados Adjudicated (foreclosed) properties available for purchase by members, with published details on characteristics, location, and conservation status.

Quantifiable outcome

• TREA on savings up to 4.00% for 1440-day time deposits
• +2 more outcomes

Named customers1 record

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• Superintendencia de Banca, Seguros y AFP (SBS)OthersThe cooperative is regulated and supervised by Peru's banking, insurance, and pension regulator SBS, and is inscribed in the National COOPAC Register (0033-2019-REG.COOPAC-SBS) under Resolution SBS N.° 480-2019.
• Fondo de Seguro de Depósitos Cooperativo (FSDC)OthersThe cooperative is incorporated into the Cooperative Deposit Insurance Fund (FSDC), which provides deposit protection to members under applicable SBS regulations (Resolution SBS N.° 5061-2018 and amendments).
• CideruralminorStrategic or Co-development PartnerReferenced as a linked organization on the cooperative's website (ciderural.com), suggesting a strategic or cooperative alliance with a rural development or agricultural support organization relevant to the cooperative's agricultural member base.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Mibanco: Mibanco is Peru's leading microfinance bank and the dominant national player in micro and SME lending — directly competing with Cooperativa Santa Catalina's Coope-Micro and Coope-Mype products. Operates at much greater scale and geographic reach, making it the primary broad incumbent competitor.
• Banco de Crédito del Perú (BCP): BCP is Peru's largest commercial bank and offers overlapping consumer loans, mortgages, and SME credit through its Yape digital wallet. While serving a much broader market, it is the dominant competitor for member migration and digital banking in southern Peru.

Direct peers

• Caja Municipal de Ahorro y Crédito de Tacna: Caja Tacna operates a CMAC directly competing in Tacna — one of Cooperativa Santa Catalina's four branch cities. Both institutions target micro, small business, and consumer segments with comparable deposit and credit products, making it the closest sub-regional competitor.
• Caja Municipal de Ahorro y Crédito de Cusco: Caja Cusco is a peer CMAC serving southern Peru with a similar deposit/credit portfolio targeted at microenterprises and individuals. Operates the same cooperative-style member acquisition model and represents comparable regional competition in southern Peru.
• CRAC Ciderural: Ciderural is an existing alliance partner of Cooperativa Santa Catalina and a rural savings/credit entity (CRAC) operating in similar agricultural and rural lending segments. Direct overlap in agricultural financing (Coope-Fijo Agropecuario equivalent) makes it a strategic peer.
• Caja Municipal de Ahorro y Crédito de Sullana: Caja Sullana is another regional CMAC with a similar product portfolio and member-driven model. Useful comparison for assessing the operating economics and scale trajectory of mid-sized Peruvian CMACs/COOPACs.
• Caja Municipal de Ahorro y Crédito de Piura: Caja Piura is a peer CMAC operating the same regulated depository-credit-intermediation model with a comparable focus on micro/SME lending and consumer deposits. While geographically distant (northern Peru), it provides a useful analogue for a mid-sized regional CMAC business model.
• Caja Municipal de Ahorro y Crédito de Arequipa: Caja Arequipa is the largest CMAC in Peru and operates directly in the same Arequipa market as Cooperativa Santa Catalina, offering a parallel suite of deposits, micro/SME credit, and consumer loans. It is the most direct regional competitor for member capture in southern Peru.

Emerging players

• Compartamos Financiera: Compartamos Financiera is a Peruvian microfinance institution focused on micro-entrepreneurs and small businesses. Overlaps with Cooperativa Santa Catalina's micro/SME credit portfolio but with a more aggressive national growth and digital strategy.
• Financiera Efectiva: Financiera Efectiva is a Peruvian consumer finance specialist with high overlap in personal consumption lending — the same segment as Cooperativa Santa Catalina's Coope-Consumo. Operates with stronger digital channels and faster loan disbursement, representing direct competition in the 41–53% TEA segment.

Market position

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• Xx.com/CoopacSCatalina
• Facebookfacebook.com/CoopacSantaCatalina
• LinkedInlinkedin.com/company/cooperativa-de-ahorro-santa-catalina

Compliance4 records

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 Santa Catalina