Cooperativa San Francisco de Mocupe

What Cooperativa San Francisco de Mocupe does

Cooperativa de Ahorro y Crédito San Francisco de Mocupe (COOPAC SFM) is a member-owned Peruvian savings and credit cooperative founded on June 24, 1965, by Canadian missionary Reverend Padre Pablo Roy Larsh in the town of Mocupe, Lambayeque region. Originally established to organize hat weavers and eliminate intermediaries, the institution has evolved into a regulated financial cooperative serving over 9,000 active members across four physical branches in Mocupe, Zaña, Oyotún, and Pacanguilla. It is supervised by the Superintendencia de Banca, Seguros y AFP (SBS) under Resolution No. 540-99 and affiliated with FENACREP for cooperative guidance.

The cooperative's product portfolio is centered on three savings instruments (Ahorro Libre, Depósito a Plazo Fijo, Ahorro Infantil), three credit lines (Crédito Agrícola for rice and corn farmers, Crédito Personal for consumption, and Crédito Agua+ for water and sanitation improvements), and two social welfare add-ons (Fondo de Previsión Social funeral benefit fund and a free Consultorio Médico Cooperativo clinic). Pricing is retail and inclusive — no minimum opening on savings, S/100 minimum on fixed-term deposits (90-1080 day terms), S/10 mandatory monthly capital contributions, and S/50 annual social fund fees — all denominated in Peruvian Soles. Technology is limited to a standard website plus WhatsApp-based customer communication; no mobile app, API, or proprietary platform is disclosed.

The revenue model is subscription-style with fee and net-interest-margin components: recurring monthly member contributions, annual Social Security Fund fees, interest spreads on agricultural, personal, and Agua+ credit products, and float income on fixed-term deposits. Go-to-market is community-led, relying on word-of-mouth, member delegate elections, and organic social channels (Facebook, Instagram, TikTok) rather than paid acquisition. Distribution is exclusively direct through the four-branch physical network, which limits scalability but deepens local member relationships.

Name

Cooperativa San Francisco de Mocupe

Legal name

Cooperativa de Ahorro y Crédito San Francisco de Mocupe

Website

https://cooperativasanfrancisco.pe

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

11–50 employees

Short description

COOPAC San Francisco de Mocupe is a member-owned Peruvian savings and credit cooperative founded in 1965, serving over 9,000 active members across four branches in Lambayeque with savings, credit, and social welfare products.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAEAC

Community Development Credit Unions (CDCUs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Cooperative savings
• Agricultural credit
• Fixed-term deposits
• Member-owned cooperative
• Social welfare fund

Headquarters

HQ city

Mocupe

HQ country

Peru

HQ region

Latin America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Savings deposits: Members deposit savings with no minimum opening requirements and no maintenance fees. Available in soles and dollars.
2. Fixed term deposits: Time deposits with terms ranging from 90 to 1080 days, minimum opening of S/100 soles.
3. Credit products: Agricultural credit, personal credit, and water improvement credit offered to members with evaluated interest rates.
4. Monthly member contributions: Mandatory monthly contribution of S/10.00 to capital social, which also serves as collateral for loans.
5. Social Security Fund (Fondo de Previsión Social): Annual fee of S/50 for funeral expense coverage for members and their families.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Cooperativa San Francisco de Mocupe is a regulated cooperative savings and credit institution (COOPAC) that provides savings accounts (Ahorro Libre, Depósito a Plazo Fijo, Ahorro Infantil), credit products (Crédito Agrícola, Crédito Personal, Crédito Agua+), and social welfare services (Fondo de Previsión Social funeral benefit fund and Consultorio Médico Cooperativo free clinic) to its more than 9,000 active members in the Lambayeque and La Libertad regions of Peru.

Product overview

Cooperativa San Francisco de Mocupe is a cooperative savings and credit institution (COOPAC) regulated by the Peruvian Superintendent of Banking, Insurance and AFP (SBS). The company offers a unified portfolio of financial products centered around savings accounts (Ahorro Libre, Depósito a Plazo Fijo, Ahorro Infantil) and credit products (Crédito Agrícola, Crédito Personal, Crédito Agua+). These core products are complemented by social welfare services including the Fondo de Previsión Social (death benefit fund) and Consultorio Médico Cooperativo (free medical clinic). The institution operates primarily in the Lambayeque region with branch offices in Mocupe, Zaña, Oyotún, and Pacanguilla.

Differentiator

Problem solved

Functional benefit

Products and services

• Ahorro Libre

Quantifiable outcome

• Funeral benefit of S/4000 for members, S/2000 for spouse, S/1000 for children under 18

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• SBS (Superintendencia de Banca, Seguros y AFP)coreOthersRegulatory body that supervises and guarantees the transparency and security of the cooperative's operations. Regulated under SBS Resolution No. 540-99 and its modifications.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Broad incumbents

• Mibanco: Peru's largest microfinance institution (subsidiary of Credicorp), operating nationwide with a strong presence in Lambayeque and La Libertad. Competes for the same agricultural and small-business borrower segment but with much broader scale, digital channels, and product breadth (consumer loans, SME loans, savings).
• Caja Municipal de Ahorro y Crédito de Trujillo (Caja Trujillo): Caja Municipal regulated by SBS operating in La Libertad and adjacent northern regions — overlapping with Cooperativa San Francisco de Mocupe's geography. Larger and broader portfolio (full consumer banking, credit cards, business lending) but serves a similar underserved northern Peruvian retail and agricultural segment.
• Caja Municipal de Ahorro y Crédito Piura (Caja Piura): Peruvian municipal savings institution operating across northern Peru including Lambayeque-adjacent geographies. Competes for the same agricultural worker and micro-entrepreneur depositors but at substantially larger scale with a more developed digital and product footprint.

Direct peers

• COOPAC Norandino: Cooperativa de Ahorro y Crédito headquartered in Piura serving northern Peru, with comparable member-owned cooperative model and a similar product mix centered on agricultural credit, savings deposits, and social benefits. Operates in an adjacent northern Peruvian region with overlapping member demographics.
• COOPAC San Pedro de Lloc: Regional COOPAC operating in La Libertad — the same northern Peru corridor (adjacent to Lambayeque) where Cooperativa San Francisco de Mocupe's Pacanguilla office is located. Directly comparable cooperative savings-and-credit model serving small farmers and micro-entrepreneurs.
• COOPAC Santa María Magdalena: Cooperativa de Ahorro y Crédito based in Chiclayo, Lambayeque region — the same operating geography as Cooperativa San Francisco de Mocupe. Closely comparable in business model (member-owned COOPAC regulated by SBS, deposit + credit products for natural persons and micro-enterprises) and target segment (agricultural and informal-sector workers in northern Peru).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/coopacsfmocupe
• Instagraminstagram.com/coopacsfmocupe
• TikToktiktok.com/@coopacsanfrancisco
• LinkedInlinkedin.com/company/cooperativa-san-francisco-de-mocupe

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Cooperativa San Francisco de Mocupe