AMOF PNP

Name

AMOF PNP

Legal name

Asociación Mutualista de Oficiales de la Policía Nacional del Perú

Website

https://amof.com.pe

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Lima

HQ country

Peru

HQ region

Latin America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Member Contributions: Monthly contributions from members equivalent to 3.5% of salary (currently S/. 71.63). The contribution amount is dynamic and increases when member salaries increase. This forms the core funding base for the mutual benefits.
2. Real Estate Rental Income: Rental income from the Centro Empresarial Premium AMOF-PNP, a 10,000+ m2 office building in Miraflores. Premium office spaces are rented to top companies generating 15-16% rental returns. Also includes auditorium and coffee break services rental.
3. Associative Loans: Interest income from loans provided to members including Ordinary Loans, Extraordinary Loans, Talent Loans, and Productive Loans. Loans are backed by the accumulated contribution amount of each member.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

AMOF-PNP is a non-profit mutual association that provides financial protection benefits and services to officers of the Policía Nacional del Perú (Peruvian National Police). Members pay monthly salary contributions (3.5% of salary) and receive retirement benefits (BMR), death benefits (BMF), disability benefits (BMI), associative loans, and access to partner discounts. The association also operates a commercial real estate business (Centro Empresarial Premium) to generate additional income supporting the mutual fund.

Product overview

AMOF-PNP operates as a non-profit mutual association providing financial benefits and services to Peruvian National Police officers. The core portfolio centers on three mutual benefit programs: BMR (retirement benefit), BMF (death benefit), and BMI (disability benefit), supplemented by associative lending. The association operates the Centro Empresarial Premium, a commercial office rental property generating revenue to strengthen the retirement fund. A member-facing digital portal (AMOF en Línea) provides online account access, while the convenios discount program extends partner-negotiated benefits across education, healthcare, hospitality, and fitness sectors. The affiliated IRDAOC institute delivers academic training programs for members.

Differentiator

Problem solved

Functional benefit

Brands

• Centro Empresarial Premium AMOF-PNP: Premium office space rental in the heart of Miraflores district, with approximately 10,000 m2 constructed area on 1,050 m2 land, generating rental returns of 15-16%
• IRDAOC (Instituto Internacional de Investigación y Desarrollo contra el Crimen Organizado)
• AMOF En Línea

Products and services

• BMR - Beneficio Mutual de Retiro Retirement mutual benefit providing economic compensation to police officers when they transition from active duty to retirement status, with amounts based on accumulated contributions plus returns. Range: minimum S/. 12,600 to maximum S/. 56,189.54.
• BMF - Beneficio Mutual de Fallecimiento Death mutual benefit providing financial coverage to the spouse (S/. 6,000), children (S/. 4,000), parents (S/. 2,000), and the associate themselves, functioning as a low-cost family insurance for members' families.
• BMI - Beneficio Mutual de Invalidez Disability mutual benefit providing financial support to members who become incapacitated and unable to continue police service, paid upon medical retirement. Mutually exclusive with BMR.
• Préstamos Asociativos (Associative Loans) Loan program offering Ordinary Loans (S/. 3,000-7,000), Extraordinary/Talent Loans (S/. 5,000-15,000), and Productive Loans (USD 10,000-15,000) to members, backed by their accumulated contribution amounts as collateral.
• Centro Empresarial Premium AMOF-PNP Premium office space rental business center with approximately 10,000 m2 of constructed area on 1,050 m2 of land in the heart of Miraflores district. Provides office rentals, auditorium, and coffee break services to corporate tenants, generating income to support member benefits.
• Convenios Descuentos (Partner Discount Program) Exclusive partner discount program offering negotiated corporate rates on education, healthcare, hotels, fitness (Gold's Gym), pharmacy (MIFARMA), laboratories (SUIZA LAB), and other services for members and their families.
• IRDAOC - Instituto Internacional de Investigación y Desarrollo contra el Crimen Organizado International research institute providing academic programs, courses, seminars, and forums to strengthen professional competencies of police members in combating organized crime. Has trained approximately 1,000 participants in justice administration and crime prevention.

Quantifiable outcome

• Over 46,533 associates benefited with more than 128 million soles in loans
• +3 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Instituto Internacional de Investigación y Desarrollo contra el Crimen Organizado (IRDAOC)coreStrategic or Co-development PartnerNGO created by AMOF-PNP to strengthen professional competencies of police officers through academic events including courses, seminars, and forums. Registered with APCI (Agencia Peruana de Cooperación Internacional). Has trained approximately 1,000 participants in justice administration and crime prevention.
• SGS del Perú S.A.coreImplementation/ SI/ Consulting PartnerInternational certification company that has audited and certified AMOF-PNP's Quality Management System under ISO 9001 standards since 2008, providing ongoing annual surveillance audits and recertifications.
• CENTRUM Católica del PerúminorStrategic or Co-development PartnerBusiness school of the Pontifical Catholic University of Peru offering educational programs and business development opportunities for AMOF-PNP members.
• MIFARMAminorGTM or Marketing PartnerPharmacy chain providing medications, hygiene, personal care, and beauty products to AMOF-PNP members at corporate discounts.
• SUIZA LABminorGTM or Marketing PartnerHealthcare laboratory with over 15 years of experience providing health restoration services to AMOF-PNP members at preferential rates.
• Casa AndinaminorGTM or Marketing PartnerHotel chain offering unique accommodation experiences at various locations in Peru for AMOF-PNP members at corporate rates.
• Gold's GymminorGTM or Marketing PartnerFitness center chain with eleven modern facilities of approximately 1,500 m2 each, offering AMOF-PNP members corporate gym access rates.
• Universidad WienerminorStrategic or Co-development PartnerUniversity partnership providing educational benefits and programs for AMOF-PNP members.
• DECAMERON HOTEL Y RESORTSminorGTM or Marketing PartnerHotel and resort chain providing vacation accommodations for AMOF-PNP members at corporate discount rates.
• Gas PlanetminorGTM or Marketing PartnerGas service provider offering fuel benefits and discounts to AMOF-PNP members.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• Pacífico Seguros: Major Peruvian insurer offering life, health, auto, and property products including group insurance and pension-related solutions. Broad incumbent with similar product categories but broader market focus across Peru's general population.
• RIMAC Seguros: Peru's largest insurance company offering life, health, and P&C products including individual and group benefits. Broad incumbent with overlapping life, health, and disability offerings but serving the general market rather than specializing in police mutual benefits.
• La Positiva Seguros: Established Peruvian insurance company offering life, P&C, and pension-related products through multiple distribution channels. Provides some overlapping products with AMOF-PNP's benefits portfolio but serves the general market rather than uniformed services.

Others

• Scotiabank Peru: Major Peruvian bank and AMOF-PNP's current financial partner providing credit lines and lending services. Not a direct peer but a key banking relationship supporting AMOF-PNP's operations and Centro Empresarial Premium construction financing at favorable rates.
• Caja Metropolitana de Lima: Peruvian municipal savings institution that was AMOF-PNP's former lender before Scotiabank acquired the debt. Related to AMOF-PNP through historical financing relationship rather than direct product overlap or customer base alignment.

Emerging players

• AFP Prima: Peruvian private pension fund administrator offering retirement savings management similar to AMOF-PNP's BMR benefit but within the regulated AFP system serving Peru's broader working population.
• AFP Integra: Peruvian private pension fund administrator with significant market share in Peru's AFP system. Provides retirement savings management similar to AMOF-PNP's retirement benefit function for a much broader customer base.
• AFP Habitat: Peruvian private pension fund administrator managing mandatory retirement contributions under Peru's AFP system. Comparable to AMOF-PNP's retirement benefit function (BMR) but operates within a formal regulated framework serving the general workforce.

Direct peers

• Police Mutual (UK): UK-based mutual benefit organization serving police officers with insurance, savings, and financial services products. Direct international peer due to the closely aligned mutual structure serving a uniformed police customer base with similar welfare and lending offerings.
• FONAFUN PNP: Fondo Nacional de Ahorro y Vivienda de la Policía Nacional del Perú; referenced in AMOF-PNP's official bulletins as a related Peruvian police savings fund serving the same customer base with similar mutual benefit offerings, making it the closest direct functional peer in-market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/amofpnp
• YouTubeyoutube.com/channel/UCRLae5dRr64pYiMy4yR9A3A
• Facebookfacebook.com/amofpnp
• LinkedInlinkedin.com/company/amof-pnp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 AMOF PNP