Comuna. Cooperativa Multiactiva Universitaria Nacional.

What Comuna. Cooperativa Multiactiva Universitaria Nacional. does

Comuna. Cooperativa Multiactiva Universitaria Nacional. is an operating Colombian multi-activity cooperative that provides savings, credit, and payment services to members of the university community. Its primary customer groups are university students and employees, with graduates forming an additional segment. The product portfolio addresses education financing and related liquidity needs through student loans, student-equipment loans, graduate loans, payroll-deduction loans, CrediAportes, free-investment loans, and contingency credit. Savings products include sight accounts, contractual savings, and CDAT term deposits.

The cooperative distributes these products through a virtual office, a Comuna Visa debit card, physical service points, affiliated universities, Red Coopagos, and Aval Pay Center. The available technology description identifies a digital banking platform with virtual-office services, but no proprietary features, mobile application, public API, or third-party integrations are disclosed beyond the payment channels. Comuna also indicates ISO 27001, ISO 9001, and IQNET certifications, although certificate details are not provided. Its go-to-market model is direct and affiliation-led, targeting students, employees, and graduates through university relationships and a mix of virtual and physical service channels.

Comuna generates revenue from interest on lending products, spreads and management fees on savings and investment products, and transaction-related payment fees. Public pricing is not disclosed, and no explicit revenue figure is available. The reported more than COP 52 billion in 2025 educational credits represents loan disbursements rather than revenue, while 109 students benefited from Fondo Comuna solidarity aid in the first semester of 2026. The company reports 14 employees and 16-city reach, but it has no disclosed external parent, subsidiaries, funding rounds, or public ticker.

Name

Comuna. Cooperativa Multiactiva Universitaria Nacional.

Legal name

Cooperativa Multiactiva Universitaria Nacional

Website

https://comuna.com.co

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Comuna is a Colombian multi-activity cooperative providing education financing, payroll-deduction and general credit, savings and term-deposit products, and virtual banking services to university students, employees, and graduates through university partnerships and nationwide service points.

Ownership category

akta.pro rank

Product category

Cooperative Banking & Educational Financing

NAICS

Credit Unions (52213), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Student/University Credit Unions (FSABAEAJ)

akta.pro secondary industries

Community Development Credit Unions (CDCUs) (FSABAEAC), Collections, Delinquency Management & Bad Debt Recovery (EDALAJAG)

Keywords

• Educational credit services
• Cooperative savings products
• Student loan financing
• Payroll deduction loans
• Term deposit accounts

Headquarters

HQ city

Pereira - Risaralda

HQ country

Colombia

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Credit Products: Provides various credit products including student loans, equipment loans, payroll deduction loans (Libranza), graduate loans, CrediAportes, free investment loans, and contingency loans. Revenue generated from interest on lending products.
2. Savings and Investment Products: Offers savings accounts, CDT (term deposit), and contractual savings programs. Revenue from spread and management fees.
3. Payment Services: Virtual payment channels including Red Coopagos and Aval Pay for member transactions.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels3 records

Core offering

Comuna is a Colombian multi-activity university cooperative that provides credit, savings, and payment products to members of affiliated universities. Its portfolio centers on educational financing — student loans, equipment financing, payroll-deduction loans (Libranza), graduate loans, and contingency credit — alongside savings instruments (CDAT term deposits, sight savings, contractual savings), a virtual office digital banking platform, a Comuna Visa debit card, and integrated payment channels (Red Coopagos, Aval Pay). Services are delivered to university students, employees, and graduates through virtual channels and physical service points across 16 cities in Colombia.

Product overview

Comuna. Cooperativa Multiactiva Universitaria Nacional operates as a multi-activity cooperative focused on higher education financing. The product portfolio centers on student credit products (Crédito Estudiantil, Crédito Equipamiento Estudiantil, Crédito Egresados) complemented by general credit offerings (Crédito Libranza, CrediAportes, Crédito Libre Inversión, Crédito Contingencia). The savings center offers CDAT term deposits, sight savings, and contractual savings accounts. Digital services include a virtual office portal and Visa debit card. The cooperative serves members through virtual channels and physical service points across Colombia.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédito Estudiantil (Student Credit) Student loan that finances higher-education studies with simple, fast, and flexible terms; designed for affiliated university students.
• Crédito Equipamiento Estudiantil (Student Equipment Credit) Credit product for students to purchase medical instruments, computers, or bicycles that enhance learning.
• Crédito Libranza (Payroll-Deduction Credit) Credit providing immediate liquidity with installments deducted directly from the member's salary.
• Crédito Egresados (Graduate Credit) Credit supporting professional and personal growth of graduates after completing their studies.
• CrediAportes Credit product that uses the member's social contributions as secure collateral for any borrowing need.
• Crédito Libre Inversión (Free Investment Credit) Free-purpose credit for realizing any project or personal financial goal.
• Crédito Contingencia (Contingency Credit) Emergency contingency credit for covering unexpected urgent needs with quick and flexible terms.
• Apertura CDAT (Term Deposit Opening) Term deposit (CDAT) account opening service for secure investments with attractive profitability.
• Ahorro a la Vista (Sight Savings) Sight savings account allowing secure money management with immediate access when needed.
• Ahorro Contractual (Contractual Savings) Contractual savings program for monthly savings to achieve personal financial goals.
• Oficina Virtual (Virtual Office) Virtual banking portal for managing all financial products quickly, securely, and remotely.
• Tarjeta Débito Comuna Visa (Comuna Visa Debit Card) Debit card for managing money easily, available to recent student loan borrowers as their first financial tool.

Quantifiable outcome

• More than $52 billion COP in educational credits disbursed in 2025
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Universidad CooperativacoreStrategic or Co-development PartnerPrimary affiliated university partner for the cooperative. Students and employees of Universidad Cooperativa are primary members served by the cooperative's credit and savings products.
• Universidad María CanocoreStrategic or Co-development PartnerAffiliated university partner. Students and employees of Universidad María Cano access the cooperative's financial products and services.
• La ComunaminorOthersRelated cooperative entity possibly sharing common membership base or operational synergies.
• CorpaedaminorOthersPartner entity providing services to the cooperative or shared member services.
• Universidad RemingtoncoreStrategic or Co-development PartnerAffiliated university partner (Uniremington) whose students and employees access cooperative financial services.
• Red CoopagoscoreTechnology or IntegrationCooperative payment network enabling members to make payments and transactions across the Red Coopagos network.
• Aval Pay CentercoreTechnology or IntegrationVirtual payment channel through Aval Group enabling online payment services for cooperative members.

Scale indicators3 records

Recent moves4 records

Expansion highlights5 records

Broad incumbents

• Banco de Bogotá: One of Colombia's largest commercial banks with education loan products for university students. Comparable as an incumbent offering student and payroll-deduction credit, but with a much broader retail and commercial portfolio.
• Bancolombia: Colombia's largest private bank, with consumer credit, education financing, and digital channels. Comparable as a large incumbent competing for the same university-affiliated customer base, particularly for student and payroll-deduction lending.
• Davivienda: Major Colombian commercial bank with consumer credit, education-related lending, and a strong digital channel. Comparable as a broader incumbent offering similar credit and savings products to Comuna's target segments.
• Itaú Colombia: Colombian subsidiary of a major regional bank, offering consumer credit, savings, and digital banking. Comparable as a large incumbent competing for the same university-student and payroll-deduction lending segments.
• ICETEX: Colombian government institution that finances higher education through student loans and grants. Directly comparable because it serves the same Colombian university-student borrower segment that Comuna targets, but at much larger national scale and with subsidized terms.

Direct peers

• Cooperativa Confiar: Colombian cooperative supervised by Supersolidaria offering savings, credit, and payments to members. Comparable cooperative structure, regulatory framework, and product set (deposits, consumer credit, payroll deduction).
• Cooperativa Fincomercio: Large Colombian ahorro y crédito cooperative offering savings, credit, and payroll-deduction (Libranza) products to affiliated members. Directly comparable cooperative model serving closed-membership groups with similar credit and savings product mix.

Regional players

• Comfama: Colombian family compensation fund that provides credit, savings, and education-related services to affiliated workers and their families. Comparable as a regional, closed-membership institution offering financial services tied to employer/affiliation status.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/WixEspanol
• LinkedInlinkedin.com/company/comuna.-cooperativa-multiactiva-universitaria-nacional.

Compliance3 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 Comuna. Cooperativa Multiactiva Universitaria Nacional.