CAFAE-SE

What CAFAE-SE does

CAFAE-SE (Comité de Administración del Fondo de Asistencia y Estímulo de los Trabajadores del Sector Educación) is a Peruvian nonprofit institution founded on October 24, 1975 that delivers an integrated welfare portfolio to workers in Peru's public education sector and their families. Core offerings comprise personal loans ranging from S/300 to S/100,000, three insurance products (Vida Sepelio, Seguro Oncológico with indemnities of S/23,000-S/45,000, and Seguro de Vida), subsidized health consultations across roughly twelve medical specialties, two recreational clubs (Punta Hermosa on the coast and Ricardo Palma/Chosica in the mountains), a 16-room funeral home (Velatorio Camino de Paz), a cultural center for events and training, and a CAFAE-SE CARD membership tier. Revenue is generated primarily through payroll-deducted insurance premiums, interest on the loan book, transactional fees for funeral and health services, and membership and day-pass fees at the recreational facilities. Insurance underwriting is delivered in partnership with MAPFRE, and end-of-life burial services are integrated with three cemetery operators.

The business is run as a government-chartered welfare entity, governed by a Board of Directors with both MINEDU (Ministry of Education) appointees and elected worker representatives, and operating under the regulatory framework established by R.M. N° 223-2025-MINEDU. General Manager Carlos Alberto Castilla Mallcco leads day-to-day operations. Distribution combines five credit offices spread across Lima (San Isidro, Callao, Comas, San Juan de Miriflores, San Juan de Lurigancho), two health service locations, two recreation centers, the cultural center, the funeral home, plus a national network of 140+ Sub-CAFAEs supervised from headquarters. Customer-facing technology is limited to a WhatsApp Business virtual assistant, a Google Forms appointment system, and BBVA/Yape payment rails — no AI/ML capabilities are disclosed. In 2025, CAFAE-SE obtained ISO 37001:2016 anti-bribery certification, marking its 50th anniversary.

Name

CAFAE-SE

Legal name

Comité de Administración del Fondo de Asistencia y Estímulo de los Trabajadores del Sector Educación

Website

https://cafae-se.com.pe

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

51–100 employees

Short description

CAFAE-SE is a Peruvian nonprofit founded in 1975 that provides credit, insurance, health, recreational, funeral, and cultural services to Peru's public education sector workers and their families via payroll deduction across a network of Lima offices and facilities.

Ownership category

akta.pro rank

Headquarters

HQ city

San Isidro

HQ country

Peru

HQ region

Latin America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Insurance premiums: Monthly insurance premiums for life, burial, and cancer coverage are collected through payroll deduction from education sector workers.
2. Credit interest: Interest earned on loans granted to education sector workers, with loan amounts ranging from S/ 300 to S/ 100,000.
3. Recreational services: Fees from recreational center access, accommodations (bungalows, rooms), event spaces, and the CAFAE-SE CARD membership for club access.
4. Funeral services: Funeral and memorial services provided to insurance beneficiaries and the general public, including sala rentals and complete funeral packages.
5. Health services: Medical consultations, laboratory tests, and imaging services offered at subsidized rates to education workers and their families.
6. Cultural center rentals: Auditorium and meeting room rentals for events, trainings, and seminars at the Centro Cultural location in San Isidro.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

CAFAE-SE is a Peruvian non-profit welfare institution serving public education sector workers and their families with personal loans (S/ 300 to S/ 100,000), three insurance products (burial life, cancer, and life), complete funeral services through Velatorio Camino de Paz, multi-specialty health consultations, two recreational clubs, a cultural center, and a benefits membership card. The organization operates under Ministry of Education (MINEDU) supervision and runs more than 140 Sub-CAFAE branches nationwide, collecting insurance premiums and loan repayments via employer payroll deduction.

Product overview

CAFAE-SE (Comité de Administración del Fondo de Asistencia y Estímulo de los Trabajadores del Sector Educación) is a non-profit institution founded in 1975 offering a comprehensive portfolio of benefits and services to Peru's education sector workers. The core offering includes Créditos (loan services from S/300 to S/100,000), three insurance products (Seguro de Vida Sepelio, Seguro Oncológico, and Seguro de Vida), and Funeraria y Velatorio Camino de Paz (with 16 modern wake rooms). The portfolio extends to health services with medical consultations across multiple specialties, two recreation centers (Centro Recreacional Ricardo Palma in Chosica and Centro Recreacional Punta Hermosa on the coast), a Centro Cultural for events and training, and a CAFAE-SE CARD benefit membership. Additional services include SUB-CAFAES national supervision, health donations, and special promotions. The institution manages over 140 Sub-CAFAES branches nationwide and maintains ISO 37001:2016 anti-bribery management certification.

Differentiator

Problem solved

Functional benefit

Products and services

• Créditos CAFAE-SE (Personal Loans) Loan services for teaching, administrative, and CAS workers of Peru's state education sector, with amounts ranging from S/ 300 to S/ 100,000, quick and accessible processing, and repayment via payroll deduction.
• Seguro de Vida Sepelio (Burial Life Insurance) Insurance covering funeral service costs for the policyholder and direct family, operational since 1994 through affiliated providers, with monthly premiums deducted via payroll. Coverage amounts cover funeral costs up to S/ 4,000 including urn.
• Seguro Oncológico (Cancer Insurance) Cancer insurance providing additional coverage with indemnities of S/ 23,000, S/ 35,000, or S/ 45,000 to the holder, spouse, or children upon first cancer diagnosis, with monthly premiums deducted via payroll.
• Seguro de Vida (Life Insurance) Life insurance providing economic support to education sector workers and their families, implemented in late 2008 to help complete personal projects and provide guaranteed capital, with monthly premiums deducted via payroll.
• Funeraria y Velatorio Camino de Paz Complete funeral services with 16 modern wake rooms, funeral plans (A, B, C), chapel, catering, cremation and burial services, open 365 days a year. Available to education sector workers, their families, and the general public at differentiated rates.
• Servicios de Salud (Health Services) Multi-specialty health consultations including medicine, dentistry, optometry, psychology, nutrition, pneumology, endocrinology, gynecology, traumatology, urology, cardiology, and laboratory services, offered at subsidized rates for education sector workers and their families. Includes access to partner laboratories for diagnostic tests, imaging (MRIs, mammograms, ultrasounds, X-rays), dental prosthetics, orthodontics, and optical services.
• Centro Recreacional Ricardo Palma Recreation center located at Km 41.5 of the Carretera Central in Ricardo Palma (Chosica), open Tuesday to Sunday 9:00 a.m. to 5:30 p.m. Features pools, sports fields, bungalows, rooms, camping zones, event spaces, chapel, and restaurant services. Operates year-round with preferential rates for education sector workers.
• Centro Recreacional Punta Hermosa Beach recreation center located at Km 43.5 of the Antigua Panamericana Sur in Punta Hermosa, open Monday to Sunday 9:00 a.m. to 5:30 p.m. Features pools, sports areas, bungalows, accommodation, event spaces, and recreational activities year-round, with preferential rates for education sector workers.
• Centro Cultural CAFAE-SE Cultural center at Av. Arequipa 2985, San Isidro, offering equipped meeting rooms, auditoriums, training facilities, and event spaces with WiFi, projector, flexible spaces, and security system for seminars, trainings, and corporate events.
• CAFAE-SE CARD (Benefits Membership) Subscription benefit card offering unlimited access to clubs, free use of grills and recreational areas, exclusive lodging discounts, and free auditorium reservations. Tarjeta Azul (Blue Card) at S/ 30/month for education sector provides access to one club; Tarjeta Negra (Black Card) at S/ 55/month for education sector provides access to both clubs.
• Donaciones por Salud (Health Donations) Health donations provided to education sector workers and direct family members (parents, spouse, children) suffering from terminal oncological diseases or conditions causing permanent disability, as part of CAFAE-SE's social responsibility program.
• Médico en Línea Gratuito (Free Online Doctor Service) Free online doctor service launched during the COVID-19 pandemic to provide remote medical consultations to education sector workers and their families as part of the institution's digitalization efforts.

Quantifiable outcome

• Insurance coverage range from S/ 23,000 to S/ 45,000 for cancer diagnosis
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• MAPFREcoreStrategic or Co-development PartnerMAPFRE is the insurance provider partner for CAFAE-SE's life, burial, and cancer insurance products. The partnership enables CAFAE-SE to offer insurance coverage to education sector workers with coverage amounts of S/ 23,000, S/ 35,000, or S/ 45,000 for cancer diagnosis. MAPFRE also sponsors CAFAE-SE's auto lottery promotions.
• Jardines de la PazminorOthersCemetery partnership for funeral services, providing burial plot options for education sector workers and their families.
• Campo FeminorOthersCemetery partnership for funeral services, offering burial options at preferential rates for CAFAE-SE members.
• Parque del RecuerdominorOthersCemetery and memorial park partnership for cremation and burial services for CAFAE-SE members.
• Laboratory and Diagnostic Imaging PartnerscoreStrategic or Co-development PartnerStrategic alliances with recognized laboratories and health sector companies enable CAFAE-SE to provide diagnostic support services including laboratory tests, imaging services (MRIs, mammograms, ultrasounds, X-rays), dental prosthetics, orthodontics, and optical services at preferential rates for education workers and their families.
• Ministry of Education (MINEDU)coreStrategic or Co-development PartnerCAFAE-SE operates under MINEDU supervision and governance. The organization's Board of Directors includes MINEDU representatives, and CAFAE-SE serves the education sector workers employed by the ministry through its network of schools and administrative offices nationwide.

Scale indicators5 records

Recent moves15 records

Expansion highlights5 records

Direct peers

• Jardines de la Paz: Peruvian funeral services and cemetery operator already partnered with CAFAE-SE for burial services. Directly comparable in funeral and memorial services, the most operationally similar peer for CAFAE-SE's Velatorio Camino de Paz business line.
• Colsubsidio: Colombian compensation fund providing health, recreation, education, credit, and social services to affiliated workers. Highly comparable operating model, multi-line service portfolio, and member-funded economics mirror CAFAE-SE's structure.
• Derrama Magisterial: Peruvian welfare fund serving teachers and education workers. Operates with similar mandate to administer benefits, credit, and social services to the Peruvian public education sector, directly comparable in mission and member profile to CAFAE-SE.
• Caja de Compensación de Los Andes: Chilean caja de compensación offering welfare benefits, credit, recreational, and social services to affiliated workers. Closely comparable institutional model to CAFAE-SE: payroll-linked membership, multi-service portfolio, and government-affiliated governance.
• CAFAM: Colombian family compensation fund offering health, education, recreation, and credit services to affiliated workers. Comparable caja de compensación model with similar mix of recreational facilities, healthcare, and payroll-linked benefits.
• Caja de Pensiones Militar-Policial: Peruvian government welfare entity administering pension and benefit services for military and police personnel. Same government-affiliated institutional model as CAFAE-SE, serving a defined public-sector workforce with payroll-linked benefits.

Others

• Country Club Lima Hotel: Peruvian private social and recreational club. Relevant adjacent comparable for CAFAE-SE's recreational club business (Punta Hermosa, Ricardo Palma) in terms of operating a membership-based leisure venue, though it serves a different socioeconomic segment.

Broad incumbents

• Pacífico Seguros: One of Peru's largest general insurance carriers, offering life, health, and other lines as part of a broad portfolio. Broad incumbent in the same insurance categories CAFAE-SE distributes to its members, though it is not specialized to the education vertical.
• Rímac Seguros: Peru's largest insurance group across life, health, and P&C lines. Competes with MAPFRE and CAFAE-SE's insurance distribution through broad market coverage rather than vertical specialization in education workers.

Emerging players

• Caja Municipal de Ahorro y Crédito de Arequipa: Peruvian municipal savings and credit institution offering personal loans to salaried workers. Comparable to CAFAE-SE's credit product in target borrower profile, but operates without the education-vertical specialization or member-benefit integration.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 CAFAE-SE