Cooperativa de Ahorro y Crédito Cacpe Yantzaza

What Cooperativa de Ahorro y Crédito Cacpe Yantzaza does

Cooperativa de Ahorro y Crédito Cacpe Yantzaza is an Ecuadorian member-owned savings and credit cooperative headquartered in Yantzaza, Zamora Chinchipe province, serving retail savers, salaried workers, and microentrepreneurs in southern and central Ecuador. The institution operates 7 physical branches across Zamora Chinchipe (Yantzaza Matriz, Yantzaza Terminal Terrestre, El Pangui, Los Encuentros, Paquisha), Loja, and Pichincha (Quito), supplemented by web and mobile digital banking channels.

The cooperative's product set comprises 4 savings account types (with a $100 minimum deposit) and 7 credit products spanning consumer, microenterprise, mortgage, and vehicle financing, with lending rates of 14.50% to 18.50% APR. Notable product additions include "Credi Mujer Emprendedora" — a targeted credit line for women microentrepreneurs — and a Green Credit product for sustainability-tagged borrowers. Adjacent services include investor life insurance, bill payments, international transfers, and digital banking. The underlying platform is a conventional cooperative core-banking stack with web/mobile front ends; no proprietary technology or AI/ML capabilities are disclosed. Operational reach is extended through partnerships with COSEDE (deposit insurance), Red Conexa (shared ATM network), and major Ecuadorian banks for interbank interoperability.

The business model is a standard cooperative net-interest-spread franchise: the institution funds itself through member deposits at low cost and earns on the spread versus higher-yielding microcredit and consumer loans, supplemented by fee income from payments, transfers, and insurance commissions. As a cooperative under Ecuador's Superintendencia de Economía Popular y Solidaria (SEPS) framework, surpluses are redistributed to members rather than returned to external shareholders, and the institution is covered by COSEDE deposit insurance. The go-to-market is branch-led relationship banking in underbanked rural and peri-urban markets where commercial bank presence is thin.

Name

Cooperativa de Ahorro y Crédito Cacpe Yantzaza

Legal name

Cooperativa de Ahorro y Crédito Cacpe Yantzaza

Website

https://cacpey.fin.ec

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cooperativa de Ahorro y Crédito Cacpe Yantzaza is an Ecuadorian member-owned savings and credit cooperative serving retail savers, salaried workers, and microentrepreneurs across Zamora Chinchipe, Loja, and Pichincha provinces via 7 branches and digital banking.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

Keywords

• Cooperative banking
• Savings accounts
• Microcredit lending
• Consumer credit
• Digital banking

Headquarters

HQ city

Yantzaza

HQ country

Ecuador

HQ region

Latin America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Interest Income: The cooperative earns interest income from various loan products including consumer credit (up to $150,000 at 14.80%), microcredit (17%), credit for women entrepreneurs ($5,000 at 15%), green credit (16%), guarantor-free credit (14.99%-18%), salary-based credit (14.50%), and quick credit (18.50%). Interest rates range from 14.50% to 18.50% APR.
2. Deposit Taking and Interest Spread: The cooperative accepts savings deposits (including junior savings, fixed-term deposits, emerging savings, and future savings) and pays interest to depositors, generating income from the spread between lending and deposit rates. Fixed-term deposits start at $100 minimum with terms from 31 days, with investor life insurance included.
3. Service Fees: Fees charged for non-financial services including bill payments (IESS, SRI, RISE), vehicle registration and transfer, international money transfers (giros), insurance products (desgravamen, exequial, medical), and deposits to affiliated banks (Banco Pichincha, Banco de Loja, Banco de Guayaquil, Produbanco).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Cooperativa de Ahorro y Crédito Cacpe Yantzaza is a member-owned savings and credit cooperative headquartered in Yantzaza, Ecuador. It accepts deposits (savings accounts, fixed-term deposits) and extends credit (consumer loans, microcredit, salary-based credit, women's entrepreneur credit, green credit) primarily to individuals and microentrepreneurs in the Zamora Chinchipe province and other Ecuadorian regions, complemented by digital banking channels, ATM access through Red Conexa, and ancillary services such as bill payments, insurance, and international money transfers.

Product overview

Cooperativa de Ahorro y Crédito Cacpe Yantzaza is a financial cooperative offering a comprehensive suite of products and services organized into four main categories: savings accounts (Ahorro Cacpey Junior, Depósito Plazo Fijo, Ahorro Futuro Cacpey, Ahorro Emergente), credit products (Crédito de Consumo, Micro Crédito, Crédito sin Garante, Crédito Nómina, Crédi Agil, Credi Mujer Emprendedora, Crédito Verde), digital banking services (Banca Virtual web and mobile app, Banca Empresarial), and ancillary services (international transfers, insurance, bill payment, vehicle registration). The cooperative also maintains a network of physical branches and ATM access through the ConecTA network.

Differentiator

Problem solved

Functional benefit

Brands

• Cacpey Virtual: Electronic banking platform for individuals
• Cacpey Empresarial

Products and services

• Crédito de Consumo (Consumer Credit) Personal loans for individuals to purchase goods, services, or cover expenses not related to productive or commercial activities. Up to $150,000 with terms up to 120 months at 14.80% APR.
• Microcrédito (Microcredit) Loans for natural persons or legal entities with annual sales up to $100,000, or solidarity-guarantee groups, to finance small-scale production and commercialization. Up to 120 months at 17% APR.
• Crédito sin Garante (Consumer Credit Without Guarantor) Unsecured personal credit for members with excellent internal/external credit history and stable employment (permanent contract or appointment). Up to $25,000 over 60 months at 14.99% APR.
• Microcrédito sin Garante (Business Credit Without Guarantor) Unsecured business credit for members with excellent credit history and self-employment/business income. Up to $25,000 over 60 months at 18% APR.
• Credi Rol Bajo Nómina (Salary Credit) Loans for members employed by public or private institutions that maintain credit agreements with the cooperative, with repayment through employer payroll deduction. Up to $80,000 over 96 months at 14.50% APR.
• Credi Ágil (Quick Credit) Quick loans for members with excellent internal/external credit history and a credit score equal to or greater than 800 points, with income from their own business. Up to $5,000 over 36 months at 18.50% APR.
• Credi Mujer Emprendedora (Women Entrepreneur Credit) Credit product for women entrepreneurs, owners of small businesses, or women seeking to start and improve their economic situation. Up to $5,000 over 36 months at 15% APR.
• Crédito Verde (Green Credit) Credit product to promote investments in initiatives that help mitigate climate change, improve energy efficiency, and reduce environmental impact. Up to $5,000 over 36 months at 16% APR.
• Ahorro Cacpey Junior (Junior Savings Account) Savings account designed for minors and young cooperative members.
• Depósito a Plazo Fijo (Fixed-Term Deposit) Fixed-term deposit with minimum $100 USD and 31-day minimum term. Interest payable monthly, quarterly, semi-annually, or at maturity. Includes free investor life insurance (death and total/permanent disability) and immediate credit up to 90% of invested capital using the deposit policy as collateral.
• Ahorro Futuro Cacpey (Future Savings Account) Savings account designed for accumulating funds toward future financial goals.
• Ahorro Emergente (Emergency Savings Account) Emergency savings account requiring a minimum of $5,000 and a 25-29 day term, with a preferential interest rate. Existing saver-account status is required for individuals (not required for legal entities).
• Tarjeta de Débito (Debit Card) Debit card enabling ATM access, savings withdrawals, balance inquiries, PIN changes, and national/international purchases at affiliated establishments.
• Banca Virtual (Web Online Banking) Web-based online banking portal accessible at digital.cacpey.fin.ec for individual account holders to perform transactions, transfers, and account management.
• Banca Móvil (Mobile Banking App) Mobile banking application available on the iOS App Store (Cacpey Virtual) and Google Play (com.tikee.cacpey) for Android, enabling account access, transfers, and transactions on mobile devices.
• Banca Empresarial (Corporate Banking Platform) Corporate online banking platform for business customers, accessible at empresarial.cacpey.fin.ec, providing business-account electronic banking services.
• Giros Internacionales (International Money Transfers) International money transfer service for sending and receiving funds quickly, safely, and reliably.
• Pago de Planillas e Impuestos (Bill and Tax Payments) Payment services for IESS (Ecuadorian social security institute), SRI (tax authority), RISE (simplified tax regime), and other government obligations.
• Seguros (Insurance Products) Insurance products including life, exequial (funeral), medical, and other coverage protecting members and their families.
• Matriculación y Transferencia de Vehículos (Vehicle Registration and Transfer) Payment services for vehicle registration and ownership transfer at the cooperative's branches.
• Transferencias en Tiempo Real (Real-Time Interbank Transfers) Instant money transfers between banks and partner cooperatives, executed via branches, Banca Virtual web, or Banca Móvil mobile channels.
• Asistencia Médica Socios (Member Medical Assistance) Medical assistance service available to cooperative members.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• COSEDEcoreOthersCacpe Yantzaza participates in COSEDE (Corporación del Seguro de Depósitos), Ecuador's deposit insurance corporation. COSEDE provides deposit protection for cooperative members, enhancing trust and financial stability. The cooperative also collaborates with COSEDE on the EDUCATE financial education program for members.
• Red ConexacoreTechnology or IntegrationCacpe Yantzaza debit cards are accepted at the Red Conexa ATM network, providing members with access to over 3,000 ATMs nationwide and international ATM connections for cash withdrawals and balance inquiries 24/7.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Cooperativa de Ahorro y Crédito San José: Ecuadorian cooperative offering credit and savings services to retail members and small producers. Directly comparable as a community-rooted cooperative with similar product mix targeting salaried workers and microentrepreneurs.
• Cooperativa de Ahorro y Crédito 29 de Octubre: One of Ecuador's largest cooperatives, providing consumer credit, microcredit, and savings services with multi-branch physical distribution. A direct peer because it operates the same cooperative business model, serves similar retail and microenterprise segments, and competes for members in overlapping geographies.
• Banco Solidario: Ecuadorian cooperative-style bank focused on microcredit and financial inclusion for low-income borrowers and microentrepreneurs. Directly comparable as a specialized microcredit provider operating in the same regulatory environment and serving overlapping customer segments.
• Cooperativa de Ahorro y Crédito JEP: Major Ecuadorian savings and credit cooperative offering a similar suite of consumer credit, microcredit, and savings products to retail members across multiple provinces. Directly comparable as a peer cooperative institution in the same regulatory framework (SEPS/COSEDE) and serving retail members with mixed credit and deposit products.
• Cooperativa de Ahorro y Crédito Fernando Daquilema: Ecuadorian cooperative serving retail members with credit and savings products across multiple provinces. Directly comparable as a peer cooperative institution under the same SEPS/COSEDE regulatory framework, competing for similar retail and microenterprise segments.
• Cooperativa El Sagrario: Ecuadorian savings and credit cooperative offering consumer loans, microcredit, and savings products to members in regional Ecuador. Comparable as a peer cooperative institution with similar product mix and target customers in the same regulatory and competitive environment.

Broad incumbents

• Banco Pichincha: Ecuador's largest commercial bank with nationwide branch network, full digital banking, and broad consumer/SME lending. Comparable as the dominant incumbent competitor in Ecuador's retail banking market, against which Cacpe Yantzaza differentiates through community focus and microcredit specialization.
• Banco de Guayaquil: One of Ecuador's largest private commercial banks with nationwide presence in retail deposits, consumer credit, and digital banking. Comparable as a broad incumbent that Cacpe Yantzaza competes with indirectly via interbank partnerships and member fund flows.
• Produbanco: Major Ecuadorian commercial bank with full-service retail and corporate banking. Comparable as a broad incumbent competitor in Ecuador's retail banking market with digital channels overlapping Cacpe Yantzaza's member-facing services.

Regional players

• Banco de Loja: Regional commercial bank headquartered in Loja province with strong presence in southern Ecuador, including Zamora Chinchipe. Comparable as a competitor operating in Cacpe Yantzaza's geographic footprint with overlapping retail and SME banking offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCrSz2Z01hmTtndS-D8CR46Q
• Facebookfacebook.com/soycacpey
• LinkedInlinkedin.com/company/cooperativa-cacpey

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 de Ahorro y Crédito Cacpe Yantzaza