Fondo de Empleados de Peldar

What Fondo de Empleados de Peldar does

Fondo de Empleados de Peldar (FONPELDAR) is a private, non-profit employee fund established in September 1967 and headquartered in Zipaquirá, Colombia. It is supervised by the Superintendencia de la Economía Solidaria and operates exclusively for the benefit of active workers and pensionados of O-I Peldar (Owens-Illinois Colombia), a glass manufacturer, with an eligible membership base of approximately 1,700 individuals represented by 85 delegates elected for the 2026-2028 period.

FONPELDAR's core offerings are financial and welfare services: savings products (Ahorro Permanente at 2.80% E.A., Cuenta Rentadiario at 4.00% E.A., Ahorro Programado, and CDATs), credit lines (Crédito Ordinario, Rotativo, Fidelidad, Bienes Inmuebles, Prima, Fomento Empresarial, Fortalecimiento Empresarial), insurance and assistance benefits (auxilios for medications, dental, hospitalization up to 2 SMLDV per night for 20 nights, funeral assistance, and death benefit up to 40 SMLDV), and a Tarjeta Débito Mastercard with the Día a Día rewards program. Complementary services include two fully furnished vacation apartments at Condominio Nuevo Rodadero in Santa Marta, recreational events (bowling, tejo, cycling, senior day), and an educational arm (Servicios Integrales Solidarios S.A.S.) offering English (via the Smartline platform and Centro de Lenguas Modernas), IT, musical instruments, and art workshops at tiered pricing for asociados, familiares, and externos.

The platform architecture comprises a corporate website (fonpeldar.com), an Odoo-powered Sucursal Virtual (sucursal.fonpeldar.com) launched September 2025, the App Fonpeldar mobile application launched November 2025, and the Selsac Linix v6 member management system. Payment collection is distributed across Banco de Bogotá, Banco de Occidente, Cootrapeldar, Crediflores, Baloto, Efecty, Grupo Éxito, Servypagos/Mercar (Valle del Cauca), EPM/EDEQ (Quindío), and PSE online payments. The entity is ISO 9001:2015 certified by BVQI Colombia Ltda. for savings, credit, and assistance services and is constructing a new 4-floor institutional headquarters in Zipaquirá (awarded to Escala Urbana in March 2026). Revenue is derived primarily from member social contributions and net interest spreads on the credit portfolio, with auxiliary fees from courses, events, partner services, and apartment rentals.

Name

Fondo de Empleados de Peldar

Legal name

Fondo de Empleados de Peldar

Website

https://fonpeldar.com

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

1–10 employees

Short description

Fondo de Empleados de Peldar (FONPELDAR) is a non-profit Colombian employee fund founded in 1967, providing savings, credit, insurance, welfare benefits, education, and recreation exclusively to active workers and pensionados of O-I Peldar (Owens-Illinois Colombia).

Ownership category

akta.pro rank

Product category

Cooperative Financial Services

NAICS

Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSAAANAC

Employee Benefit & Retirement Plan Trust Services

Financial & Insurance/Asset & Wealth Management/Trust & Fiduciary Services (Trust Companies, Estate & Custody Trusts)

SECONDARYBPAGAEAK

Financial Assistance & Benefits Navigation Services

Business & Public Services/Nonprofit, NGO & Social Services/Social Services & Community Support (Food, Housing, Family)

Keywords

• Employee savings fund
• Member credit services
• Solidarity economy
• Cooperative financial services
• Welfare assistance programs

Headquarters

HQ city

Zipaquirá

HQ country

Colombia

HQ region

Latin America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Member Contributions (Aportes): As a non-profit employee fund (fondo de empleados), FONPELDAR is funded primarily through monthly contributions (aportes) made by associated employees. These form the core equity of the organization and are used to fund credit operations and assistance programs. The readquisition of contributions was approved at $324,126,079 for 2026.
2. Credit Interest Income: FONPELDAR generates income through interest charged on credit products (Crédito Ordinario, Crédito Rotativo, Crédito Fidelidad, Bienes Inmuebles, Crédito Prima, Fomento Empresarial, Fortalecimiento Empresarial). Rates are updated quarterly (e.g., April–June 2026, January–March 2026). Interest income supports operational costs and assistance programs.
3. Service Fees and Auxiliary Charges: Revenue from training courses, workshops, event registrations, recreational activities (bowling championships, tejo tournaments, cycling events), and vacation apartment rentals in Santa Marta. Also includes membership fees for the Gym Body Fitness and other partner services.
4. Savings Products (CDAT, Ahorro Programado, Rentadiario): FONPELDAR accepts savings through CDATs (certificates of deposit with periodic interest), programmed savings, and demand deposits (Rentadiario). Interest rates offered: CDAT rates vary monthly; Rentadiario at 4.00% E.A.; Ahorro Permanente at 2.80% E.A. The spread between lending and deposit rates contributes to financial sustainability.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

FONPELDAR is a non-profit employee fund (fondo de empleados) that provides savings products, credit lines, insurance coverage, and welfare assistance benefits (auxilios) exclusively to active workers and pensionados of O-I Peldar. It complements its financial offerings with recreational activities, vacation apartments in Santa Marta, and educational programs (English, IT, musical instruments, art) delivered through its Servicios Integrales Solidarios subsidiary. Members access services through three physical offices, a virtual branch (sucursal.fonpeldar.com), and a mobile app (App Fonpeldar).

Product overview

Fondo de Empleados de Peldar (Fonpeldar) is a private, non-profit employee fund established in 1967, offering a comprehensive suite of financial services to its associated members. The core offerings center on savings products (Ahorros including permanent savings, programmed savings, CDT, and Rentadiario accounts), credit products (Créditos including revolving credit, personal loans, mortgage loans, and business development loans), insurance, and assistance benefits (Auxilios covering medications, dental, hospitalization, funeral, and death benefits). Supporting these core financial services, Fonpeldar provides complementary services including the App Fonpeldar and Sucursal Virtual for 24/7 digital access, Tarjeta Débito Mastercard for payments and withdrawals, Cursos and Talleres for education and skills development, Convenios with partner discounts, vacation apartments in Santa Marta, and a Clasificados marketplace. The product ecosystem is built around a cooperative model focused on member welfare, financial inclusion, and community development, all managed through quality-certified processes under ISO 9001:2015.

Differentiator

Problem solved

Functional benefit

Brands

• Servicios Integrales Solidarios: Educational and training services entity providing courses, workshops, and specialty programs (English, musical instruments, wood carving, artistic workshops) to FONPELDAR associates and their families.
• App Fonpeldar

Products and services

• Ahorros (Savings Products) Savings offerings including Ahorro Permanente (permanent savings), Ahorro Programado (programmed savings), CDT (term deposits), and Cuenta Rentadiario (interest-earning daily account). Available to all FONPELDAR associates.
• Créditos (Credit Products) Diversified credit portfolio including Crédito Rotativo (revolving credit), Crédito Ordinario (personal loans), Crédito Fidelidad (loyalty credit), Crédito Bienes Inmuebles (mortgage loans), Crédito Prima (bonus loan), Crédito Fomento Empresarial (business development), and Crédito Fortalecimiento Empresarial (business strengthening). Available to FONPELDAR associates at regulated quarterly rates.
• Seguros (Insurance) Insurance coverage managed through the fund for associated members, including life and death benefits integrated with the assistance/auxilios program.
• Auxilios (Assistance Benefits) Assistance programs covering Auxilio por Medicamentos (medication assistance up to 50% coverage, max 7 SMLDV/year), Auxilio Odontológico (dental up to 9.8 SMLDV), Auxilio por Hospitalización (up to 2 SMLDV per night, max 20 nights/year), Auxilio Exequial (funeral up to 2.07 SMLDV per semester), Auxilio Postumo (death benefit up to 40 SMLDV), and Cuotas Moderadoras (copayment subsidy up to 75%).
• Tarjeta Débito Mastercard Fonpeldar Affinity debit Mastercard enabling members to withdraw cash at Servibanca ATMs in Colombia and internationally, make payments at Mastercard-affiliated merchants, and shop online. Includes the Día a Día rewards program with discounts at supermarkets, transport, and food merchants.
• App Fonpeldar (Mobile Application) Self-service mobile application enabling FONPELDAR associates to manage their finances any time, including balance inquiries, online payments, certificate downloads, and personal data updates. Available on mobile devices with companion video tutorials.
• Sucursal Virtual Fonpeldar (Virtual Branch) Web-based self-service portal (sucursal.fonpeldar.com) powered by Odoo, enabling associates to manage their products, make payments, and download certificates online without visiting physical offices.
• Apartamentos en Santa Marta (Vacation Apartments) Two fully furnished apartments at Condominio Nuevo Rodadero in El Rodadero, Santa Marta, available to members and their families in high season ($319,515/night) and low season ($222,292/night), with access to pools, gym, jacuzzi, and tennis courts. Maximum 8 persons and 6 nights per stay.
• Cursos (Courses) Educational offerings including virtual English courses via the Smartline platform (Pre-A1 to B2, CEFR-aligned), in-person English reinforcement (ages 6-14), computer systems courses, and musical instrument courses (Tiple, Bandola, Requinto, Guitar). Priced by member status (Asociado, Familiar, Particular).
• Talleres (Workshops) Creative workshops including wood carving, mixed media art (fabric painting, oil, decorative crafts), and handicrafts, delivered in-person at Servicios Integrales Solidarios facilities. Priced by member status.
• Servicios Integrales Solidarios (SIS) FONPELDAR's educational services arm offering in-person and virtual courses (English, IT, musical instruments, art), workshops, and training programs for associates and their families. Located at Carrera 10A #6-32, Zipaquirá.
• Convenios (Partner Discounts and Benefits) Exclusive partner agreements offering discounts and benefits at Zipa Deluxe Car Wash, Biocenter Spa, Corona, Berna, Ponchicletas, Previvir Cemetery, Body Fitness gym, and additional affiliates. A Next Móvil commercial partnership (announced November 2025) extends discounts to cell phones, appliances, and technology.
• Clasificados (Classifieds Marketplace) Classified listings section for associated members to buy, sell, or trade vehicles, real estate, and other goods, available on the FONPELDAR website.

Quantifiable outcome

• Rentadiario savings rate: 4.00% E.A.
• +8 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature4 records

Partnerships

23 partnerships are on record, tiered core and minor.

• Escala UrbanacoreImplementation/ SI/ Consulting Partner · 26 March 2026Construction firm awarded the FONPELDAR new headquarters project (Proceso de Selección Privada No. 001-2026). Selected based on technical, legal, and financial evaluation. Project involves a 4-floor administrative building on 320 m² with semi-basement at Calle 7C No. 14-19/27, Algarra 3, Zipaquirá.
• Gutiérrez Díaz S.A.S.coreImplementation/ SI/ Consulting Partner · 17 December 2025Engineering consultancy firm awarded the interventoría (technical, administrative, and financial supervision) contract for the FONPELDAR new headquarters project (Proceso de Selección Privada No. 002-2025). Selected based on compliance with habilitating requirements and evaluation criteria.
• Next MóvilminorGTM or Marketing Partner · 14 November 2025Commercial partnership announced November 2025. Next Móvil provides FONPELDAR members with exclusive promotions, special discounts, and purchase facilities on cell phones, appliances, technology, and more through a dedicated virtual store (2compra.nextmovil.co/nextsoft2compra/inicio/feriaFonpeldar).
• Banco de BogotácoreChannel Partner/ Reseller/ DistributorEnterprise banking partnership enabling FONPELDAR members to make payments through Banco de Bogotá. The bank sends automatic daily reports of payments to FONPELDAR, simplifying the payment process for members who do not need to visit FONPELDAR offices to formalize transactions.
• Banco de OccidentecoreChannel Partner/ Reseller/ DistributorBanking partnership enabling payment collection via Banco de Occidente. The bank forwards daily transaction reports to FONPELDAR. Additionally, FONPELDAR issues barcode collection cards (Tarjeta de Recaudo) usable at all Banco de Occidente branches for contributions, SOAT, taxes, utilities, and more.
• BalotominorChannel Partner/ Reseller/ DistributorPayment collection partnership (convenio 959595, code 7108) allowing members to pay FONPELDAR obligations at Baloto points. Minimum payment $1,000, maximum $1,000,000. Members must present payment proof to FONPELDAR.
• EfectyminorChannel Partner/ Reseller/ DistributorPayment collection partnership (code 7108) at Efecty points across Colombia. Minimum payment $1, maximum $3,000,000. Members must send payment proof to FONPELDAR.
• Grupo ÉxitominorChannel Partner/ Reseller/ DistributorBarcode-based payment collection partnership at Grupo Éxito and Supercomar supermarkets using FONPELDAR's collection cards. Minimum $1, maximum $9,999,999 per transaction.
• CootrapeldarcoreChannel Partner/ Reseller/ DistributorInternal cooperative payment point allowing FONPELDAR members to make payments directly at the Cootrapeldar ventanilla. Direct physical payment channel for associated workers at the Peldar facility.
• CredifloresminorChannel Partner/ Reseller/ DistributorBank account-based payment partnership. Members can deposit FONPELDAR payments to account No. 004013998 at Crediflores.
• Servypagos / Supermercados Mercar (Valle del Cauca)minorChannel Partner/ Reseller/ DistributorRegional retail payment collection partnership covering Valle del Cauca department. Members in the region can pay FONPELDAR obligations at Servypagos and Mercar supermarket locations.
• EPM / EDEQ (Quindío)minorChannel Partner/ Reseller/ DistributorRegional payment partnership with Empresas Públicas de Medellín / EDEQ for Quindío department. Members in the region can pay FONPELDAR obligations through EPM/EDEQ service points.
• Previvir Exequial (Parque Cementerio de Zipaquirá)minorGTM or Marketing PartnerPrevivir offers FONPELDAR members a complete funeral service network including full funeral service, grief support unit, immediate attention, and sacred spaces. Members can enroll at FONPELDAR offices or directly with Previvir.
• BernaminorGTM or Marketing PartnerBerna (Colombian meat products company) offers FONPELDAR members access to discounts on processed meats, sausages, ham, chicken, mortadella, hamburgers, and specialties at their retail locations in Bogotá and Cali.
• CoronaminorGTM or Marketing PartnerCorona kitchen and bathroom fixtures brand partnership offering FONPELDAR members discounts on products through a dedicated flyer/promotional material distributed by FONPELDAR.
• Condominio Nuevo Rodadero (Santa Marta)coreGTM or Marketing PartnerFONPELDAR owns two fully furnished apartments at the Condominio Nuevo Rodadero in El Rodadero, Santa Marta. The condominium provides common areas (pools, gym, jacuzzi, tennis courts) for FONPELDAR members using the vacation benefit. FONPELDAR independently manages the reservation system.
• Selsac / Linix PlatformcoreTechnology or IntegrationFONPELDAR uses Selsac's Linix v6 system (NIT 860035332) for its member portal, login authentication, and financial management. Associates access their accounts through servicios3.selsacloud.com/linix/v6/860035332.
• Gimnasio Body FitnessminorGTM or Marketing PartnerFitness center at AV. 15 No.4-55 barrio Algarra III, Zipaquirá. Provides FONPELDAR members with gym access plans at preferential rates (quarterly, semi-annual, annual). Includes nutritionists and trainers.
• Biocenter SpaminorGTM or Marketing PartnerSpa and wellness services partnership offering FONPELDAR members discounted rates on spa days (mother-child, couples), massages, facials, body treatments, and lymphatic drainage. Located in Zipaquirá area.
• Zipa Deluxe Car WashminorGTM or Marketing PartnerCar wash service partnership in Zipaquirá (CRA 13 # 3d-43, San Pablo). Services include general washing, chassis cleaning, dry engine cleaning, cabin detailing, and professional upholstery cleaning at preferential member rates.
• PonchicletasminorGTM or Marketing PartnerCycling shop in Zipaquirá (Calle 10A #20A-17 Santa Mónica). Provides FONPELDAR members with bicycle-related products and services. Referenced in the cycling event (Ciclopaseo) context.
• Servicios Integrales Solidarios S.A.S.coreStrategic or Co-development PartnerFONPELDAR's educational services arm. SIS offers in-person and virtual courses (English, IT, musical instruments, art), workshops (handicrafts, wood carving), and training programs for associates and their families. Operates from Carrera 10A #6-32, Zipaquirá. Allied with Centro de Lenguas Modernas for English certification.
• Mastercard (Débito Mastercard)coreTechnology or IntegrationFONPELDAR issues a Débito Mastercard enabling members to withdraw cash at ATMs in Colombia and internationally, pay at Mastercard-affiliated merchants, and shop online. Includes the 'Día a Día' rewards program with discounts at supermarkets, transport, food, and other merchants. Administered via the Linix platform.

Scale indicators5 records

Recent moves13 records

Expansion highlights5 records

Broad incumbents

• Confiar Cooperativa Financiera: Large Colombian cooperative financial institution under Supersolidaria oversight. Offers savings, credit, and welfare services but with open (not employer-tied) membership, representing a broader-incumbent version of FONPELDAR's model.
• Cotrafa Cooperativa Financiera: Colombian cooperative financial institution with savings and credit products serving affiliated members. Useful as a regional cooperative comparator within the Supersolidaria framework.
• Coomeva Cooperativa: Major Colombian cooperative group providing financial services, health, and welfare benefits. Comparable as a solidarity-economy entity with overlapping products (savings, credit, insurance, auxilios) but at materially larger scale and with open membership.
• Compensar Caja de Compensación: Colombian compensation fund (caja de compensación) providing subsidies, health, education, recreation, and credit to employee affiliates. Adjacent welfare-and-benefits model funded through employer payroll contributions, comparable in function but broader in mandate.

Direct peers

• Fondo de Empleados de Nestlé Colombia: Employee fund for a multinational manufacturing company in Colombia, structurally analogous to FONPELDAR's O-I Peldar mandate. Useful comparable for multinational-affiliated fondo de empleados governance.
• Fondo de Empleados de EPM: Employee fund for employees of Empresas Públicas de Medellín. Same single-sponsor fondo de empleados structure with savings, credit, and welfare products. Comparable in offering mix and member-focused service model.
• Fondo de Empleados de Ecopetrol: Employee fund serving Colombia's state oil company. Same fondo de empleados structure under Supersolidaria oversight, but with materially larger member base and asset pool. Useful as a scaled-up reference point for the FONPELDAR model.
• Fondo de Empleados de Postobón: Employee fund for workers of Postobón, a major Colombian beverage manufacturer. Similar single-sponsor employee fund serving manufacturing-sector workers with savings, credit, and welfare benefits.
• Fondo de Empleados de Bavaria (Fonbavaria): Colombian employee fund serving Bavaria (SABMiller) workers. Same solidarity-economy, single-employer-sponsor model with savings, credit, and welfare services. Closest functional analog to FONPELDAR's structure.

Others

• Servibanca: Colombian ATM and payments network used by FONPELDAR for Mastercard debit card cash withdrawals and PIN changes. Listed as a partner/vendor rather than a competitor; included as an ecosystem participant relevant to FONPELDAR's distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/fondo-de-empleados-de-peldar

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 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 Fondo de Empleados de Peldar