Caja Tacna

What Caja Tacna does

Caja Municipal de Ahorro y Crédito de Tacna (Caja Tacna) is a Peruvian municipal savings and credit bank (Caja Municipal de Ahorro y Crédito, or CMAC) regulated by the Superintendencia de Banca, Seguros y AFP (SBS). Headquartered at Calle Francisco Lazo N° 297 in Tacna, the institution is affiliated with the Tacna municipal government under Peru's decentralized public banking system and operates a mandate to promote regional financial inclusion. Its legal status is a private, government-affiliated financial entity, not listed on any public exchange, with deposits protected by the Fondo de Seguro de Depósitos.

Caja Tacna delivers a full-stack retail and microfinance banking platform spanning credit products (Credipyme, Credifácil, Micro Agropecuario, Agropecuario, Leasing, Carta Fianza for businesses; Crédito Personal, Crédito por Convenio, Crédito Pignoraticio, CrediConstruye, Mi Terrenito for consumers; and MIVIVIENDA, Techo Propio, CrediHogar, Casa Plus for mortgages), savings products (Ahorro Corriente, Ahorro Sueldo, Ahorro Futuro, Ahorro Juvenil, Ahorro CTS, Ahorro Zero, Depósito a Plazo Fijo, Plan Ahorro, Cuenta Intangible), and an insurance distribution portfolio (microseguros, desgravamen, multiriesgo PYME, oncológico, SOAT, retiro seguro). It also originates credit under government-backed programs including IMPULSO MYPERÚ, Reactiva Perú, FAE-AGRO, and FAE-TURISMO.

The technology stack centers on a digital banking platform with the Caja Tacna App (iOS/Android), Tu Caja por Internet web banking, CMAC Móvil USSD service (*222#) for feature-phone users on the Movistar network, ServiCaja Virtual, ServiFono, and the Módulo de Gestión Crediticio for loan processing. Distribution is omnichannel: physical branches across 8 regions (Tacna, Arequipa, Cusco, Ica, Lima, Moquegua, Madre de Dios, Puno), agent networks (KasNet), interbank collection points (BCP, Interbank, Scotiabank Recaudos), and partnerships enabling Yape payments, Western Union remittances, SafetyPay, Pago Efectivo, BIM Dinero Electrónico, and Visa ServiCard debit. Revenue is generated primarily through net interest spread on the loan portfolio, transaction fees, insurance commissions, and deposit franchise economics — a classic spread-based microfinance bank model targeting individual consumers, micro and small enterprises, agricultural producers, home buyers, and corporate payroll clients across southern Peru.

Name

Caja Tacna

Legal name

Caja Municipal de Ahorro y Crédito de Tacna

Website

https://cmactacna.com.pe

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Caja Tacna is a Peruvian municipal savings and credit bank (CMAC) regulated by SBS Peru, delivering retail banking, microfinance, mortgage, and insurance products across 8 southern Peruvian regions through physical branches and digital channels including mobile app, web banking, and USSD.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

State Commercial Banks (6022), Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Public Sector Retail Banks (State-Owned Commercial Banks) (FSABAKAL)

akta.pro secondary industries

Digital Retail Banking (Online & Mobile) (FSABAAAF), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Cash-in/Cash-out (CICO) Agent Networks (FSAMAOAB)

Keywords

• Municipal savings bank
• Microcredit lending
• Consumer banking
• Agricultural credit
• Mortgage lending

Headquarters

HQ city

Tacna

HQ country

Peru

HQ region

Latin America

Offices9 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: Primary revenue from interest charged on credit products including consumer loans, business loans, mortgages, agricultural loans, and microcredit
2. Fee Income: Fees from various banking services including transfers, giros, currency exchange, pension payments, and account services
3. Insurance Distribution: Commission income from selling insurance products including life, property, cancer, retirement, and SOAT insurance
4. Deposit Interest Spread: Spread between interest paid on deposits (savings, fixed term deposits, CTS) and interest earned on loans

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels4 records

Core offering

Caja Tacna is a Peruvian municipal savings and credit bank (Caja Municipal de Ahorro y Crédito / CMAC) that provides retail banking services including business credit, consumer loans, mortgage products, savings accounts, fixed-term deposits, and insurance distribution. The institution operates a physical branch network across 8 regions of southern Peru (Tacna, Arequipa, Cusco, Ica, Lima, Moquegua, Madre de Dios, Puno) complemented by digital banking channels including a mobile app, web banking, and USSD-based banking for unbanked populations. Revenue is generated primarily through net interest spread on loans and transaction fees.

Product overview

Caja Tacna (Caja Municipal de Ahorro y Crédito de Tacna) is a Peruvian municipal savings and credit bank operating as a multi-channel financial services platform. The institution offers a comprehensive portfolio organized across three core pillars: Credit Products (créditos) including business credits (Credipyme, Credifácil, Micro Agropecuario, Agropecuario, Leasing, Carta Fianza), consumer credits (Crédito Personal, Crédito por Convenio, Crédito Pignoraticio, CrediConstruye, Mi Terrenito), and mortgage/housing credits (Hipotecario - CrediHogar, Nuevo Crédito MIVIVIENDA, Casa Plus, Complementario Techo Propio), many with associated government programs (IMPULSO MYPERÚ, Reactiva Perú, FAE-AGRO, FAE-TURISMO); Savings Products (ahorros) including checking (Ahorro Corriente), salary (Ahorro Sueldo with welcome bonus), future (Ahorro Futuro), youth (Ahorro Juvenil), CTS accounts, and fixed-term deposits (Depósito a Plazo Fijo, Plan Ahorro); and Insurance Products (seguros) including life (Microseguro de Vida Tacna, Seguro de Desgravamen), property (Seguro de Incendio Todo Riesgo, multiriesgo PYME), health (Seguro Oncológico, Oncoseguro Plus, Microseguro Retiro Seguro), and vehicle (SOAT). The institution serves customers through multiple digital channels including the Caja Tacna App (iOS/Android), CMAC Móvil (USSD service for feature phones), Tu Caja por Internet (online banking), Contact Center (24/7 phone support), and an extensive network of physical branches across 8 Peruvian regions (Tacna, Arequipa, Cusco, Ica, Lima, Moquegua, Madre de Dios, Puno). The bank is regulated by SBS (Superintendencia de Banca, Seguros y AFP) and deposits are protected by the Fondo de Seguro de Depósitos.

Differentiator

Problem solved

Functional benefit

Products and services

• Credipyme
• Credifácil
• Micro Agropecuario
• Agropecuario
• Leasing
• Carta Fianza
• Crédito Personal
• Crédito por Convenio
• Crédito Pignoraticio
• CrediConstruye
• Hipotecario - Nuevo Crédito MIVIVIENDA
• Hipotecario - Crédito Complementario Techo Propio
• Hipotecario - CrediHogar
• Ahorro Corriente
• Ahorro Sueldo
• Ahorro CTS
• Depósito a Plazo Fijo (DPF)
• Campaña DPF "TU DINERO GANA"
• Microseguro de Vida Tacna
• Seguro de Desgravamen
• SOAT
• Tarjeta ServiCard Débito VISA
• Caja Tacna App
• Tu Caja por Internet
• CMAC Móvil (USSD *222#)
• Contact Center
• Operaciones Internacionales
• Compra y Venta de Moneda
• Pago de Remuneraciones y CTS
• Transferencias Interbancarias (CCE y BCR)
• Giros (Emisión y Pagos)

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• BCP (Banco de Crédito del Perú)coreChannel Partner/ Reseller/ DistributorYape digital payment alliance between Caja Tacna and BCP. BCP Recaudos service points for collections and payments. The partnership enables Caja Tacna customers to use BCP's extensive collection network for loan payments and other services.
• SafetyPayminorChannel Partner/ Reseller/ DistributorSafetyPay provides online payment solutions enabling cash-based online purchases. Caja Tacna offers SafetyPay as a payment option for customers making online purchases through their banking platform.
• Western UnioncoreChannel Partner/ Reseller/ DistributorWestern Union international money transfer services. Caja Tacna enables customers to send and receive international remittances through Western Union network as a licensed agent.
• InterbankminorChannel Partner/ Reseller/ DistributorInterbank Recaudos service points for collections and payments. Partnership allows Caja Tacna customers to make payments and deposits through Interbank's network.
• ScotiabankminorChannel Partner/ Reseller/ DistributorScotiabank Recaudos service points for collections and payments. Partnership allows Caja Tacna customers to make payments and deposits through Scotiabank's network.
• SBS Peru (Superintendencia de Banca, Seguros y AFP)coreOthersRegulatory oversight body for Peruvian banking and insurance sector. Caja Tacna operates under SBS supervision as a CMAC (Caja Municipal de Ahorro y Crédito), adhering to regulatory requirements and participating in deposit insurance schemes.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BCP (Banco de Crédito del Perú): Peru's largest commercial bank and a strategic partner of Caja Tacna (Yape alliance, Recaudos). Competes across retail, MYPE and consumer lending in the same southern regions while dwarfing Caja Tacna on scale, funding cost and product breadth.
• Mibanco: Peru's largest microfinance bank and a broader incumbent in the same MYPE/microcredit segment Caja Tacna targets. Operates nationwide with a much larger deposit and branch base, offering direct overlap on small-business and consumer credit products.
• Interbank: Major Peruvian commercial bank that competes with Caja Tacna across consumer credit, deposits and digital banking. Connected via the Interbank Recaudos partnership, it also represents a key national incumbent competitor in the same customer segments.
• Scotiabank Perú: Large multinational commercial bank with a national Peruvian franchise that overlaps Caja Tacna in retail deposits, consumer credit and MYPE lending. Also a payment-recaudos partner, illustrating the dual competitor-and-partner dynamic Caja Tacna faces.

Emerging players

• Compartamos Financiera: Peruvian microfinance institution serving micro-entrepreneurs and small businesses with credit and savings products. Targets an overlapping underserved/MYPE customer base to Caja Tacna and competes for the same government-guaranteed program originations.

Direct peers

• Caja Piura: Peruvian CMAC with nationwide ambitions and a comparable SBS-regulated municipal-bank business model. Competes in similar credit, savings and government-program products and represents the same public-sector-banking competitive set as Caja Tacna.
• Caja Huancayo: Major Peruvian CMAC operating under the same SBS-supervised municipal-bank framework as Caja Tacna. Comparable diversified product portfolio (credit, savings, insurance) and similar financial-inclusion and microcredit focus, though centered in central Peru rather than the south.
• Caja Cusco: Peruvian CMAC headquartered in Cusco with overlapping southern-Peru branch geography to Caja Tacna. Same CMAC regulatory regime, similar MYPE/consumer/mortgage product mix, and competing for the same regional microcredit and government-program originations.
• Caja Arequipa: Largest Caja Municipal de Ahorro y Crédito in Peru and a direct peer — same CMAC regulatory model, similar municipal-government ownership, and overlapping presence in southern Peru. Comparable product set (credit, savings, insurance) and shared focus on MYPE and consumer banking.
• Financiera Confianza: Peruvian microfinance company focused on small-business and consumer credit to underserved segments. Direct competitor to Caja Tacna's MYPE, agricultural and consumer loan books, with a similar customer profile and financial-inclusion positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cajatacna

Compliance1 record

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 Caja Tacna