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Fondo de Empleados de Sodimac Colombia FONSODI

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Namestring
Fondo de Empleados de Sodimac Colombia FONSODI
Legal namestring
FONDO DE EMPLEADOS DE SODIMAC COLOMBIA FONSODI
Websiteurl
fonsodi.com
Company typeenum
Private
Founded yearint
1998
Descriptiontext

Fondo de Empleados de Sodimac Colombia (FONSODI) is a non-profit solidarity entity (entidad solidaria sin ánimo de lucro) founded on April 3, 1998, that exclusively serves the 6,400+ employees of Sodimac Colombia. The fund operates as a closed-membership cooperative-style organization owned collectively by its associate-members and governed by a General Assembly of Delegates, a 10-member Board of Directors (5 principal + 5 alternate), a Social Control Committee, and a management team led by General Manager Magaly Galvis Zuleta. Its portfolio spans 16 credit lines (interest rates from 0.6% to 1.6% n.m.v. across products such as Crédito Asociación, Libre Inversión, Respaldo de Aportes, Compra de Cartera, Educación, Consumo Homecenter, Vivienda, Mejoras de Vivienda, Vehículo, Moto, Anticipo de Prima, Turismo, Solidario, Empresarial/FODES, SOAT, and Impuestos), four savings products (Ahorro Obligatorio at 1.64% E.A., Ahorro a la Vista at 4% E.A., Ahorro Programado at 5.0%-6.5% E.A., and CDATs at 4.0%-8.9% E.A.), more than 10 economic aid programs (auxilios) covering health, education, housing, funerary expenses, and life events, and 30+ commercial partnerships with providers including Claro, Homecenter, EPS Sanitas, EPS SURA, Emermédica, AMI, Liberty Seguros, Colmédica, Bodytech, Smart Fit, Open English, Cine Colombia, Cinemark, and Royal Films.

Distribution operates through a hybrid model: in-person commercial advisors are stationed at every Sodimac work center across 13+ Colombian zones (Bogotá Norte/Occidente/Sur/Sabana, Medellín 1 & 2, Cali/Palmira, Barranquilla/Santa Marta, Pereira/Eje Cafetero, Cartagena, Ibagué/Girardot), supported by a web-based Virtual Office (Oficina Virtual), a native mobile app on Google Play and Apple App Store, and a WhatsApp chatbot on a single helpline (323 323 0101). All financial transactions — mandatory savings, credit repayments, and partner-plan subscriptions — are processed via automatic payroll deduction (descuento por nómina) and the PSE payment button through MiPagoAmigo. The entity also owns a vacation apartment at Samaria Club de Playa in Santa Marta (Pozos Colorados), made available exclusively to members at preferential rates. FODES, a free entrepreneurship training program, has trained 400+ members in the past year and feeds a dedicated Empresarial credit line.

Revenue is generated through interest income on the credit portfolio, intermediation spreads on voluntary savings products and CDATs, and transactional arrangements with commercial partners. As a non-profit entity, annual surpluses are redistributed to members as additional benefits rather than paid out as dividends; no external equity, venture capital, or private capital is involved. The organization has 11 direct employees and has operated continuously for 25 years as of 2023.

Short descriptiontext

Fondo de Empleados de Sodimac Colombia (FONSODI) is a non-profit employee solidarity fund serving 6,400+ Sodimac Colombia employees with savings accounts, 16 credit lines, economic aids, and 30+ commercial partnerships, governed by member-elected representatives since 1998.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
11–50
akta.pro rankint
HeadquartersBogotá, Colombia
HQ citystring
Bogotá
HQ countrystring
Colombia
HQ regionstring
Latin America
Markets served

Serves global market

Offices13 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
employee fund services, cooperative savings products, member credit lines, economic aid programs, corporate welfare benefits
Industry2 codes
PRIMARYFSABAEAC
Community Development Credit Unions (CDCUs)
Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)
SECONDARYEDAMAKAF
Scholarship, Financial Aid & FAFSA Support
Education/Supplemental & Enrichment Programs (Arts, STEM, Language)/College & Career Enrichment (Mentorship, Internships, Portfolio)
NAICS code1 code
  • Insurance and Employee Benefit Funds5251
SIC code2 codes
  • Savings Institutions, Not Federally Chartered6036
  • Personal Credit Institutions6141
Product category
Employee Fund / Cooperative Financial Services
GTM motion2 records

Each record includes

Type, Description, Source

Revenue model5 records
1Credit Interest Income
TypeSubscription Recurring
Description

FONSODI's primary revenue stream is the interest income generated from its diverse portfolio of credit products extended to members. These include Association credits (1.6% n.m.v.), Libre Inversión (1.15% n.m.v.), Respaldo de Aportes (0.8% n.m.v.), Compra de Cartera (0.9% n.m.v.), Education (0.8% n.m.v.), Consumo Proveedores (1.2% n.m.v.), Consumo Homecenter (0.90% n.m.v.), Vehicle (1% n.m.v.), Adquisición de Moto (1% n.m.v.), Solidario (0.6% n.m.v.), Vivienda (1.0% n.m.v.), Mejoras de Vivienda (1.2% n.m.v.), Anticipo de Prima (1.4% n.m.v.), Turismo (0.8% n.m.v.), Empresarial (0.9% n.m.v.), SOAT, and Impuestos (1% n.m.v.). The organization also collects FGA (Fiador Institucional) fees at 3.522% on credit values.

fonsodi.com
2Mandatory Savings (Ahorro Obligatorio)
TypeSubscription Recurring
Description

Members contribute monthly mandatory savings (cuota de ahorro obligatorio) deducted directly from their payroll. The savings earn a 1.64% effective annual return. The quota distribution is 70% permanent savings and 30% social contributions. An additional solidarity fund contribution of $500/month is also deducted. These savings form the basis of members' credit capacity.

fonsodi.com
3Voluntary Savings Products
TypeSubscription Recurring
Description

Members can voluntarily open savings accounts (Ahorro a la Vista at 4% E.A., Ahorro Programado from 5.0% to 6.5% E.A. depending on term, and CDATs from 4.0% to 8.9% E.A. depending on term). These products generate fee income and intermediation spread.

fonsodi.com
4Commercial Partnerships and Convenience Fees
TypeTransaction Fee
Description

FONSODI generates revenue through negotiated commercial agreements with providers (Claro, Homecenter, Emermédica, body gyms, cinemas, etc.), including subsidies on member purchases and potentially convenience fees on credit card and mobile phone plan subscriptions facilitated through the platform.

fonsodi.com
5Annual Surplus Distribution
TypeSubscription Recurring
Description

As a non-profit entity, annual surpluses are generated from operations and distributed back to members as additional benefits, rather than distributed as dividends. This model reinforces member loyalty and long-term engagement.

fonsodi.com
Marketing channels8 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels7 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components6 values
Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Pricing details8 tiers
1Mandatory savings quota by salary bracket
ModelSubscriptionBilling cadenceMonthly
Notes

Monthly mandatory savings deducted from payroll: bracket-based quota per salary level (not disclosed in fixed figures on the public website, subject to annual SMMLV adjustment). Savings return: 1.64% effective annual. Additional $500/month solidarity fund contribution.

fonsodi.com
2Voluntary sight savings
ModelSubscriptionBilling cadenceMonthly
Notes

Ahorro a la Vista: From $10,000/month, liquid anytime, earning 4% E.A.

fonsodi.com
3Programmed savings by term
ModelSubscriptionBilling cadenceMonthly
Notes

Ahorro Programado: From $10,000/month, earn 5.0% E.A. (6 months), 5.5% E.A. (12 months), 6.0% E.A. (18 months), 6.5% E.A. (24 months).

fonsodi.com
4Certificate of deposit by term
ModelSubscriptionBilling cadencePay-as-you-go
Notes

CDAT: From $500,000 minimum. 30 days 4.0% E.A.; 60 days 5.0% E.A.; 90 days 8.3% E.A.; 120 days 8.5% E.A.; 180 days 8.7% E.A.; 360 days 8.9% E.A.

fonsodi.com
5Claro corporate mobile plans
ModelSubscriptionBilling cadenceMonthly
Notes

Claro plans from $20,900/month, no contract lock-in, for the member and family. National coverage.

fonsodi.com
6Movie theater tickets and combos
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Cine Colombia: 2D ticket $15,000, 3-person combo $29,000. Cinemark: 2D ticket $16,500, combo $25,000. Royal Films: 2D ticket $13,000, combo $27,000. No-interest payroll deduction.

fonsodi.com
7Health and insurance plans
ModelSubscriptionBilling cadenceMonthly
Notes

Emermédica: $38,247/person/month. AMI Plan Preferencia: $44,600/person/month; Plan Oro: $51,000/person/month. Liberty: $20,782/person/month. Sanitas: $42,300 (<60 years), $89,200 (≥60 years)/person/month. Pet (Animal Pet): $44,500/month.

fonsodi.com
8Santa Marta apartment rental
ModelUnit PricingBilling cadencePay-as-you-go
Notes

Category A (≤4 SMMLV): $450,000/night low season, $490,000/night high season. Category B (>4.1 SMMLV): $470,000/night low season, $520,000/night high season. Family members: $470,000 low, $490,000 high. FONSODI subsidizes 50% of club wristbands ($55,000/person).

fonsodi.com
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

FONSODI is a non-profit solidarity employee fund (Fondo de Empleados) that provides financial services exclusively to Sodimac Colombia employees and their families. Its core offerings include 16 dedicated credit lines (for housing, vehicle, education, consumption, tourism, business, etc.), four savings products (mandatory savings, sight savings, programmed savings, and CDATs), over 10 economic aid (auxilios) programs, more than 40 commercial partnership discounts, a vacation apartment in Santa Marta, and a free entrepreneurship training program (FODES).

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 5 values shown
  • Over 6,400 employees of Sodimac Colombia affiliated as members
+4 more records
Product overview1 text field

FONSODI es un fondo de empleados que ofrece un ecosistema integrado de productos y servicios financieros-solidarios para empleados de Sodimac Colombia. El portafolio principal incluye 16 líneas de crédito (Asociación, Libre Inversión, Respaldo de Aportes, Compra de Cartera, Educación, Consumo Proveedores, Consumo HOMECENTER, Vehículo, Adquisición de Moto, Solidario, Adquisición de Vivienda, Mejoras de Vivienda, Anticipo de Prima, Turismo, Empresarial FODES, SOAT e Impuestos) y productos de ahorro (Ahorro Obligatorio, Ahorro a la Vista, Ahorro Programado y CDAT). Adicionalmente, ofrece más de 10 auxilios económicos, convenios comerciales con telefonía, seguros, recreación y educación, apartamento vacacional en Santa Marta, y canales digitales como Oficina Virtual web y App móvil. El programa FODES proporciona capacitación empresarial gratuita.

Product and service26 records
1Línea de Crédito Asociación
CategoryCredit Line
Description

Credit line for general association needs up to one basic salary, with rate of 1.6% per month (n.m.v.), term up to 36 months, requires 3-month minimum tenure at Sodimac and FGA guarantee. Targeted at Sodimac Colombia employees.

2Línea de Crédito Libre Inversión
CategoryCredit Line
Description

Revolving credit line for free investment, up to 3 times mandatory savings (under 2 years tenure) or 5 times (over 2.1 years), at 1.15% n.m.v., term up to 48 months. Targeted at Sodimac Colombia employees.

3Línea de Crédito Respaldo de Aportes
CategoryCredit Line
Description

Credit line backed by the member's mandatory savings, up to the savings amount minus outstanding portfolio balances, at preferential rate of 0.8% n.m.v., term up to 48 months. For Sodimac Colombia employees.

4Línea de Crédito Compra de Cartera
CategoryCredit Line
Description

Credit line for debt consolidation with other financial entities, at 0.9% n.m.v., requires FGA as guarantee. For Sodimac Colombia employees.

5Línea de Crédito Educación
CategoryCredit Line
Description

Education credit for tuition payment of the member, children, or spouse, at 0.8% n.m.v., term up to 36 months. Only one active education credit allowed. For Sodimac Colombia employees.

6Línea de Crédito Consumo Proveedores
CategoryCredit Line
Description

Credit for acquiring goods or services through Fonsodi's strategic suppliers, including cinema tickets, with rates from 1.2% n.m.v. For Sodimac Colombia employees.

7Línea de Crédito Consumo HOMECENTER
CategoryCredit Line
Description

Credit for purchases at Homecenter at preferential rate of 0.90% n.m.v., limit up to 2 salaries, term up to 12 months (24 months for remodels over 2 SMMLV), no credit bureau consultation required. For Sodimac Colombia employees.

8Línea de Crédito Vehículo
CategoryCredit Line
Description

Credit for vehicle acquisition, new (up to 90%) or used (up to 70%), with chattel mortgage guarantee, at 1% n.m.v., term up to 60 months, requires 1-year tenure. For Sodimac Colombia employees.

9Línea de Crédito Adquisición de Moto
CategoryCredit Line
Description

Credit for new motorcycle purchase up to 90% of pro-forma invoice value, up to 6 basic salaries, at 1% n.m.v., term up to 48 months. For Sodimac Colombia employees.

10Línea de Crédito Solidario
CategoryCredit Line
Description

Credit for fortuitous or force majeure situations, up to 3 SMMLV, at preferential rate of 0.6% n.m.v., term up to 24 months, one-time only. For Sodimac Colombia employees.

11Línea de Crédito Adquisición de Vivienda
CategoryCredit Line
Description

Mortgage credit for new (up to 85%) or used (up to 70%) housing, maximum 150 million COP, at 1.0% n.m.v., term up to 120 months, requires credit score above 683. For Sodimac Colombia employees.

12Línea de Crédito Mejoras de Vivienda
CategoryCredit Line
Description

Credit for home remodeling or improvement up to 7 times mandatory savings, maximum 35 SMMLV, at 1.2% n.m.v. For Sodimac Colombia employees.

13Línea de Crédito Anticipo de Prima
CategoryCredit Line
Description

Credit up to 50% of the legal semi-annual bonus value, at 1.4% n.m.v., deducted in June or December, no credit bureau consultation required. For Sodimac Colombia employees.

14Línea de Crédito Turismo
CategoryCredit Line
Description

Tourism credit specifically for the Santa Marta apartment, at 0.8% n.m.v., term up to 24 months. For Sodimac Colombia employees.

15Línea de Crédito Empresarial (FODES)
CategoryCredit Line
Description

Business credit for entrepreneurship of members trained through the FODES program, up to 4 SMMLV, at 0.9% n.m.v., term up to 36 months. For Sodimac Colombia employees.

16Línea de Crédito SOAT
CategoryCredit Line
Description

Credit for SOAT (mandatory vehicle insurance) acquisition up to 100% of value. No credit bureau consultation or FGA required. For Sodimac Colombia employees.

17Línea de Crédito Impuestos
CategoryCredit Line
Description

Credit for tax payment up to 6 salaries of the member, at 1% n.m.v., with credit bureau consultation and FGA. For Sodimac Colombia employees.

18Ahorro Obligatorio
CategorySavings Product
Description

Monthly minimum mandatory savings deducted from payroll based on the member's salary bracket, earning 1.64% effective annual return. 70% goes to permanent savings and 30% to social contributions. Required for all members.

19Ahorro a la Vista
CategorySavings Product
Description

Voluntary immediate-liquidity savings account with 4% E.A. return, from $10,000/month, deducted from payroll or by deposit. Targeted at Sodimac Colombia employees.

20Ahorro Programado
CategorySavings Product
Description

Term savings plan for specific goals such as vacation, education, or vehicle, with rates from 5.0% E.A. (6 months) to 6.5% E.A. (24 months). For Sodimac Colombia employees.

21CDAT (Certificado de Depósito de Ahorro a Término)
CategorySavings Product
Description

Fixed-term investment certificate from $500,000 minimum, with rates from 4.0% E.A. (30 days) to 8.9% E.A. (360 days). Includes online simulator for returns, interest rates, and terms. For Sodimac Colombia employees.

22Auxilio Póliza Exequial
CategoryEconomic Aid (Auxilio)
Description

50% subsidy on the Los Olivos Plan Integral funeral policy, covering up to 10 beneficiaries of the family nucleus. For Sodimac Colombia employees.

23Programa de Auxilios Económicos
CategoryEconomic Aid (Auxilio)
Description

Portfolio of more than 10 economic aid programs including: optical frames (up to $173,000), dental (70% up to $173,000), post-orthodontic retainers (up to $468,000), baby kit, medications (up to $156,000), copayments (up to $390,000), home purchase (up to $574,000), calamities (up to 1 SMMLV), funeral (up to $710,000), and graduation rights (up to $375,000). For Sodimac Colombia employees.

24Convenios Comerciales
CategoryCommercial Partnership Discounts
Description

Portfolio of more than 40 commercial partnerships providing member discounts and subsidies on telephony (Claro from $20,900/month), insurance, recreation (Cine Colombia, Cinemark, Royal Films, Bodytech, Smart Fit), education (Open English), retail (Homecenter, Éxito, Alkosto), tourism, food (Colanta, Alpina), and vehicle insurance. Available to Sodimac Colombia employees and their families.

25Apartamento Vacacional Samaria Club de Playa Santa Marta
CategoryVacation Property Rental
Description

Vacation apartment in Samaria Club de Playa, Santa Marta (Pozos Colorados), with 2 bedrooms, 2 bathrooms, capacity 6 people, fully furnished with pool, gym, sauna, and beach access. Rates from $275,900 to $520,000 based on category and season, with 50% subsidy on club wristbands. Exclusive to Sodimac Colombia employees and their families.

26Programa FODES (Fondo de Desarrollo Empresarial)
CategoryTraining and Education Program
Description

Free business development and entrepreneurship training program for members and their families, focused on strengthening entrepreneurial skills through virtual training. More than 400 people trained in the last year. For Sodimac Colombia employees.

Scale indicator7 records

Each record includes

Type, Value, Description, Source

Partnership31 partners
Strategic tierCoreTypeGTM or Marketing Partner
Description

Claro provides corporate mobile plans from $20,900/month with national coverage and no contract lock-in for FONSODI members and their families. FONSODI acts as an aggregator, onboarding members onto Claro's corporate billing system with payroll deduction available.

Strategic tierCoreTypeGTM or Marketing Partner
Description

Exclusive credit line for purchasing at Homecenter stores at a preferential rate of 0.90% n.m.v., with up to 2x the member's salary as credit limit, up to 12 months (24 months for remodels over 2 SMMLV). No credit bureau consultation required. Members receive a Gift Card for use at Homecenter.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Members access 2D movie tickets at $15,000 and 3-person combos at $29,000 with no-interest payroll deduction, across 13+ Colombian cities including Armenia, Barranquilla, Bogotá, Bucaramanga, Cali, Cartagena, Ibagué, Manizales, Medellín, Montería, Pereira, Popayán, Villavicencio.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Members access 2D tickets at $16,500 and combos at $25,000 across 13+ cities including Armenia, Bogotá, Bucaramanga, Cali, Ibagué, Medellín, Montería, Neiva, Palmira, Pereira, Santa Marta, Villavicencio, Yopal.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Members access 2D tickets at $13,000 and combos at $27,000 across 16 cities including Armenia, Bogotá, Bucaramanga, Cali, Cartagena, Cúcuta, Girardot, Ibagué, Medellín, Montería, Neiva, Pereira, Tuluá, Tunja, Valledupar, Villavicencio.

Strategic tierCoreTypeGTM or Marketing Partner
Description

24/7 home medical assistance including medical house calls, pre-hospital emergency care, hospital transfers, and telemedicine via video. Coverage in Bogotá, Soacha, Chía, Cajicá, Cali, Neiva, Villavicencio, Bucaramanga, and Medellín at $38,247/person/month.

Strategic tierCoreTypeGTM or Marketing Partner
Description

24/7 pre-hospital medical assistance with doctor-on-call and hospital transfer services. Plan Preferencia at $44,600/person/month; Plan Oro at $51,000/person/month. Coverage in Montería, Cartagena, Barranquilla, Santa Marta, and Valledupar.

Strategic tierCoreTypeGTM or Marketing Partner
Description

Home medical assistance underwritten by Liberty Seguros and brokered by HDI/Marsh. Services include medical phone guidance, home treatment, stabilization, and emergency evacuation at $20,782/person/month nationwide in Colombia.

Strategic tierCoreTypeGTM or Marketing Partner
Description

Supplementary health plan with preferred access to clinics, labs, and pharmacies. $42,300/month for under 60; $89,200/month for 60 and over. National coverage in 15+ cities including Bogotá, Medellín, Cali, Barranquilla, Cartagena, Manizales, Pereira, Armenia, Valledupar, Cúcuta, Bucaramanga, Tunja, Ibagué, Villavicencio, Neiva.

Strategic tierCoreTypeGTM or Marketing Partner
Description

Supplementary health plan from EPS SURA with three tiers, direct specialist access, 24/7 home medical care, hospital rooms, and copay savings. National coverage.

Strategic tierCoreTypeGTM or Marketing Partner
Description

Prepaid dental plan offering basic and specialized dental coverage through Colmédica's clinic network nationwide. Premiums vary by age bracket (from approximately $13,000 to $32,000/month) effective January 2026 through December 2026.

Strategic tierCoreTypeGTM or Marketing Partner
Description

Funeral service policy with Los Olivos. FONSODI subsidizes 50% of the Plan Integral premium and covers up to 10 family beneficiaries. Members access 24/7 service line via #317 or (601) 3404055.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Group life insurance policy underwritten by Seguros Colsanitas, brokered by Gallagher. Provides financial protection for employees and families against unforeseen events.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Life insurance with coverage for total/permanent disability, accidental death, serious illness advance, 12-month household rent allowance, and funeral aid. Monthly premiums from $3,170 to $47,550; coverage from $10M to $150M. 24/7 line #317.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Vehicle insurance through Mapfre and Sura, brokered by Seguros Falabella, with nationwide coverage. Accessible via #888 or #624. Contact through FONSODI's commercial advisor.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Vehicle insurance with nationwide coverage through Mundial Seguros, accessible via FONSODI's commercial advisor.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Home insurance policy covering household contents, appliances, electronics, and personal belongings against unexpected damage. Brokered by Marsh Mc Lennan with national coverage.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Fitness and sports services with discounts from 10% to 30% on official rates depending on monthly promotions. National coverage through Pedro Martínez commercial contact.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Promotional codes for gym access. $270,000 per 3 months; $1,060,000 annual membership. National coverage.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Veterinary prepaid medicine with 8% monthly payment discount and 5% additional discount for second pet of the same member. National coverage through vetpluscolombia.com.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Basic Gold Plus veterinary plan at $44,500/month with national coverage, accessible through FONSODI contact Paola Torres.

Strategic tierCoreTypeGTM or Marketing Partner
Description

FONSODI owns and operates a beach apartment in Samaria Club de Playa, Santa Marta (Pozos Colorados), available exclusively to members and their families at preferential rates with 50% subsidy on club wristbands. 2 bedrooms, 2 baths, capacity 6, fully furnished with pool, gym, sauna, and beach access.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Travel agency offering 3%+ discounts on national and international travel services for members. National coverage.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Event and tourism company offering wedding packages, 15th birthday celebrations, extreme sports, day trips, and accommodation. Special rates and discounts for FONSODI members in Bogotá and Sabana zone.

25Almacén Éxito S.A.
Strategic tierMinorTypeGTM or Marketing Partner
Description

Gift card credit activated on member's national ID for shopping at Éxito stores. Credit approval by FONSODI commercial coordinator; card activated at Éxito customer service desk with ID and verification code.

fonsodi.com
Strategic tierMinorTypeGTM or Marketing Partner
Description

Online English language school offering 12-month unlimited access license with live instructors. Members receive up to 78% discount off full public price. Available in 22+ Colombian cities.

Strategic tierMinorTypeChannel Partner/ Reseller/ Distributor
Description

Cell phone retailer offering a wide catalog of phone brands at competitive prices for FONSODI members. National coverage through dealer Deisy Valderrama.

Strategic tierMinorTypeGTM or Marketing Partner
Description

2–3% discount on dairy and food products at Colanta stores in Manizales, Pereira, Armenia, Cali, Medellín, Neiva, and Bucaramanga.

29Alpina – Old Parr
Strategic tierMinorTypeGTM or Marketing Partner
Description

Discount on Alpina dairy products in Ibagué and Girardot.

fonsodi.com
Strategic tierMinorTypeGTM or Marketing Partner
Description

Cold cuts and processed meat products at catalog prices with financing available for FONSODI members in Valledupar.

Strategic tierMinorTypeGTM or Marketing Partner
Description

Credit activated by FONSODI commercial coordinator with email authorization. Member prints authorization and presents it at point of sale.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight6 records

Each record includes

Type, Description

Peers8 records
TypeOthers
Description

Colombian Caja de Compensación Familiar offering welfare, recreation, education, credit, and health services to employees of affiliated companies. Adjacent rather than direct: similar welfare and discount ecosystem, but a multi-employer compensation fund rather than a single-employer credit/savings cooperative.

2Fondo de Empleados de Bavaria
TypeDirect peer
Description

Employee fund for Bavaria (AB InBev) workers in Colombia offering savings, credit, and welfare benefits. Same single-employer closed-membership structure as FONSODI, with payroll-deduction collections and a similar mix of credit lines and auxilios.

TypeBroad incumbent
Description

One of Colombia's largest cooperative entities offering savings, credit, health, and welfare services. Operates as a multi-employer cooperative rather than a single-employer fund, so it is broader but provides overlapping credit and welfare products to similar retail-employee demographics.

4Fondo de Empleados de Ecopetrol
TypeDirect peer
Description

Closed-membership employee fund (Fondo de Empleados) serving Ecopetrol employees with savings, credit, and welfare benefits. Structurally identical to FONSODI — Colombian solidarity entity tied to a single employer, payroll-deduction collections, and similar product portfolio.

TypeOthers
Description

Colombian family compensation fund providing welfare, health, education, recreation, and credit services to corporate employees. Adjacent to FONSODI's welfare (auxilios) and partnership portfolio, but with a multi-employer structure and broader social-security orientation.

TypeDirect peer
Description

Employee fund for Banco de Bogotá employees providing savings, credit, and welfare services. Direct structural analog: closed-membership Colombian Fondo de Empleados, tied to a single corporate parent's payroll base.

TypeBroad incumbent
Description

Colombian cooperative financial institution offering savings accounts, credit, and welfare benefits to a broader membership. Comparable credit and savings product mix, but operates as an open cooperative rather than a closed employer-tied fund.

TypeBroad incumbent
Description

Colombian government-linked savings and housing finance entity serving public-sector employees. Overlaps with FONSODI on mandatory savings and housing credit, but at a much larger national scale and with a different employment base.

Market position
Strengths5 records

Each record includes

Headline, Details, Source

Weaknesses5 records

Each record includes

Headline, Details, Source

Competitive moat5 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers1 record

Each record includes

Name, Industry, Type, Use case, Source, UUID

Ideal customer profile1 record

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
No
API detail
Has APIbool
No

Docs URL, Description

AI maturity
App detail

Has app

Feature4 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
Profiles17 records

Each record includes

Name, Designation, Designation category, Overview, Profile commentary, Source

No data
No data
Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Fondo de Empleados de Sodimac Colombia FONSODI

Employee Fund / Cooperative Financial Servicesfonsodi.com

Fondo de Empleados de Sodimac Colombia (FONSODI) is a non-profit employee solidarity fund serving 6,400+ Sodimac Colombia employees with savings accounts, 16 credit lines, economic aids, and 30+ commercial partnerships, governed by member-elected representatives since 1998.

What Fondo de Empleados de Sodimac Colombia FONSODI does

Fondo de Empleados de Sodimac Colombia (FONSODI) is a non-profit solidarity entity (entidad solidaria sin ánimo de lucro) founded on April 3, 1998, that exclusively serves the 6,400+ employees of Sodimac Colombia. The fund operates as a closed-membership cooperative-style organization owned collectively by its associate-members and governed by a General Assembly of Delegates, a 10-member Board of Directors (5 principal + 5 alternate), a Social Control Committee, and a management team led by General Manager Magaly Galvis Zuleta. Its portfolio spans 16 credit lines (interest rates from 0.6% to 1.6% n.m.v. across products such as Crédito Asociación, Libre Inversión, Respaldo de Aportes, Compra de Cartera, Educación, Consumo Homecenter, Vivienda, Mejoras de Vivienda, Vehículo, Moto, Anticipo de Prima, Turismo, Solidario, Empresarial/FODES, SOAT, and Impuestos), four savings products (Ahorro Obligatorio at 1.64% E.A., Ahorro a la Vista at 4% E.A., Ahorro Programado at 5.0%-6.5% E.A., and CDATs at 4.0%-8.9% E.A.), more than 10 economic aid programs (auxilios) covering health, education, housing, funerary expenses, and life events, and 30+ commercial partnerships with providers including Claro, Homecenter, EPS Sanitas, EPS SURA, Emermédica, AMI, Liberty Seguros, Colmédica, Bodytech, Smart Fit, Open English, Cine Colombia, Cinemark, and Royal Films.

Distribution operates through a hybrid model: in-person commercial advisors are stationed at every Sodimac work center across 13+ Colombian zones (Bogotá Norte/Occidente/Sur/Sabana, Medellín 1 & 2, Cali/Palmira, Barranquilla/Santa Marta, Pereira/Eje Cafetero, Cartagena, Ibagué/Girardot), supported by a web-based Virtual Office (Oficina Virtual), a native mobile app on Google Play and Apple App Store, and a WhatsApp chatbot on a single helpline (323 323 0101). All financial transactions — mandatory savings, credit repayments, and partner-plan subscriptions — are processed via automatic payroll deduction (descuento por nómina) and the PSE payment button through MiPagoAmigo. The entity also owns a vacation apartment at Samaria Club de Playa in Santa Marta (Pozos Colorados), made available exclusively to members at preferential rates. FODES, a free entrepreneurship training program, has trained 400+ members in the past year and feeds a dedicated Empresarial credit line.

Revenue is generated through interest income on the credit portfolio, intermediation spreads on voluntary savings products and CDATs, and transactional arrangements with commercial partners. As a non-profit entity, annual surpluses are redistributed to members as additional benefits rather than paid out as dividends; no external equity, venture capital, or private capital is involved. The organization has 11 direct employees and has operated continuously for 25 years as of 2023.

Fondo de Empleados de Sodimac Colombia FONSODI firmographics

Firmographics
Name
Fondo de Empleados de Sodimac Colombia FONSODI
Legal name
FONDO DE EMPLEADOS DE SODIMAC COLOMBIA FONSODI
Website
https://fonsodi.com
Company type
Private
Founded year
1998
Operating status
Operating
Headcount range
11–50 employees
Short description
Fondo de Empleados de Sodimac Colombia (FONSODI) is a non-profit employee solidarity fund serving 6,400+ Sodimac Colombia employees with savings accounts, 16 credit lines, economic aids, and 30+ commercial partnerships, governed by member-elected representatives since 1998.
Ownership category
akta.pro rank

Fondo de Empleados de Sodimac Colombia FONSODI industry classification

Industry
Product category
Employee Fund / Cooperative Financial Services
NAICS
Insurance and Employee Benefit Funds (5251)
SIC
Savings Institutions, Not Federally Chartered (6036), Personal Credit Institutions (6141)
akta.pro industry
PRIMARYFSABAEAC
Community Development Credit Unions (CDCUs)
Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)
SECONDARYEDAMAKAF
Scholarship, Financial Aid & FAFSA Support
Education/Supplemental & Enrichment Programs (Arts, STEM, Language)/College & Career Enrichment (Mentorship, Internships, Portfolio)

Keywords

  • Employee fund services
  • Cooperative savings products
  • Member credit lines
  • Economic aid programs
  • Corporate welfare benefits

Where Fondo de Empleados de Sodimac Colombia FONSODI is headquartered

Location

Headquarters

HQ city
Bogotá
HQ country
Colombia
HQ region
Latin America

Offices13 records

Markets served

Fondo de Empleados de Sodimac Colombia FONSODI business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

  1. Credit Interest Income: FONSODI's primary revenue stream is the interest income generated from its diverse portfolio of credit products extended to members. These include Association credits (1.6% n.m.v.), Libre Inversión (1.15% n.m.v.), Respaldo de Aportes (0.8% n.m.v.), Compra de Cartera (0.9% n.m.v.), Education (0.8% n.m.v.), Consumo Proveedores (1.2% n.m.v.), Consumo Homecenter (0.90% n.m.v.), Vehicle (1% n.m.v.), Adquisición de Moto (1% n.m.v.), Solidario (0.6% n.m.v.), Vivienda (1.0% n.m.v.), Mejoras de Vivienda (1.2% n.m.v.), Anticipo de Prima (1.4% n.m.v.), Turismo (0.8% n.m.v.), Empresarial (0.9% n.m.v.), SOAT, and Impuestos (1% n.m.v.). The organization also collects FGA (Fiador Institucional) fees at 3.522% on credit values.
  2. Mandatory Savings (Ahorro Obligatorio): Members contribute monthly mandatory savings (cuota de ahorro obligatorio) deducted directly from their payroll. The savings earn a 1.64% effective annual return. The quota distribution is 70% permanent savings and 30% social contributions. An additional solidarity fund contribution of $500/month is also deducted. These savings form the basis of members' credit capacity.
  3. Voluntary Savings Products: Members can voluntarily open savings accounts (Ahorro a la Vista at 4% E.A., Ahorro Programado from 5.0% to 6.5% E.A. depending on term, and CDATs from 4.0% to 8.9% E.A. depending on term). These products generate fee income and intermediation spread.
  4. Commercial Partnerships and Convenience Fees: FONSODI generates revenue through negotiated commercial agreements with providers (Claro, Homecenter, Emermédica, body gyms, cinemas, etc.), including subsidies on member purchases and potentially convenience fees on credit card and mobile phone plan subscriptions facilitated through the platform.
  5. Annual Surplus Distribution: As a non-profit entity, annual surpluses are generated from operations and distributed back to members as additional benefits, rather than distributed as dividends. This model reinforces member loyalty and long-term engagement.

Pricing tiers

ModelBillingPrice
SubscriptionMonthlyMandatory savings quota by salary bracket
SubscriptionMonthlyVoluntary sight savings
SubscriptionMonthlyProgrammed savings by term
SubscriptionPay-as-you-goCertificate of deposit by term
SubscriptionMonthlyClaro corporate mobile plans
Unit PricingPay-as-you-goMovie theater tickets and combos
SubscriptionMonthlyHealth and insurance plans
Unit PricingPay-as-you-goSanta Marta apartment rental

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Fondo de Empleados de Sodimac Colombia FONSODI product offering

Product offering

Core offering

FONSODI is a non-profit solidarity employee fund (Fondo de Empleados) that provides financial services exclusively to Sodimac Colombia employees and their families. Its core offerings include 16 dedicated credit lines (for housing, vehicle, education, consumption, tourism, business, etc.), four savings products (mandatory savings, sight savings, programmed savings, and CDATs), over 10 economic aid (auxilios) programs, more than 40 commercial partnership discounts, a vacation apartment in Santa Marta, and a free entrepreneurship training program (FODES).

Product overview

FONSODI es un fondo de empleados que ofrece un ecosistema integrado de productos y servicios financieros-solidarios para empleados de Sodimac Colombia. El portafolio principal incluye 16 líneas de crédito (Asociación, Libre Inversión, Respaldo de Aportes, Compra de Cartera, Educación, Consumo Proveedores, Consumo HOMECENTER, Vehículo, Adquisición de Moto, Solidario, Adquisición de Vivienda, Mejoras de Vivienda, Anticipo de Prima, Turismo, Empresarial FODES, SOAT e Impuestos) y productos de ahorro (Ahorro Obligatorio, Ahorro a la Vista, Ahorro Programado y CDAT). Adicionalmente, ofrece más de 10 auxilios económicos, convenios comerciales con telefonía, seguros, recreación y educación, apartamento vacacional en Santa Marta, y canales digitales como Oficina Virtual web y App móvil. El programa FODES proporciona capacitación empresarial gratuita.

Differentiator

Problem solved

Functional benefit

Products and services

  • Línea de Crédito Asociación Credit line for general association needs up to one basic salary, with rate of 1.6% per month (n.m.v.), term up to 36 months, requires 3-month minimum tenure at Sodimac and FGA guarantee. Targeted at Sodimac Colombia employees.
  • Línea de Crédito Libre Inversión Revolving credit line for free investment, up to 3 times mandatory savings (under 2 years tenure) or 5 times (over 2.1 years), at 1.15% n.m.v., term up to 48 months. Targeted at Sodimac Colombia employees.
  • Línea de Crédito Respaldo de Aportes Credit line backed by the member's mandatory savings, up to the savings amount minus outstanding portfolio balances, at preferential rate of 0.8% n.m.v., term up to 48 months. For Sodimac Colombia employees.
  • Línea de Crédito Compra de Cartera Credit line for debt consolidation with other financial entities, at 0.9% n.m.v., requires FGA as guarantee. For Sodimac Colombia employees.
  • Línea de Crédito Educación Education credit for tuition payment of the member, children, or spouse, at 0.8% n.m.v., term up to 36 months. Only one active education credit allowed. For Sodimac Colombia employees.
  • Línea de Crédito Consumo Proveedores Credit for acquiring goods or services through Fonsodi's strategic suppliers, including cinema tickets, with rates from 1.2% n.m.v. For Sodimac Colombia employees.
  • Línea de Crédito Consumo HOMECENTER Credit for purchases at Homecenter at preferential rate of 0.90% n.m.v., limit up to 2 salaries, term up to 12 months (24 months for remodels over 2 SMMLV), no credit bureau consultation required. For Sodimac Colombia employees.
  • Línea de Crédito Vehículo Credit for vehicle acquisition, new (up to 90%) or used (up to 70%), with chattel mortgage guarantee, at 1% n.m.v., term up to 60 months, requires 1-year tenure. For Sodimac Colombia employees.
  • Línea de Crédito Adquisición de Moto Credit for new motorcycle purchase up to 90% of pro-forma invoice value, up to 6 basic salaries, at 1% n.m.v., term up to 48 months. For Sodimac Colombia employees.
  • Línea de Crédito Solidario Credit for fortuitous or force majeure situations, up to 3 SMMLV, at preferential rate of 0.6% n.m.v., term up to 24 months, one-time only. For Sodimac Colombia employees.
  • Línea de Crédito Adquisición de Vivienda Mortgage credit for new (up to 85%) or used (up to 70%) housing, maximum 150 million COP, at 1.0% n.m.v., term up to 120 months, requires credit score above 683. For Sodimac Colombia employees.
  • Línea de Crédito Mejoras de Vivienda Credit for home remodeling or improvement up to 7 times mandatory savings, maximum 35 SMMLV, at 1.2% n.m.v. For Sodimac Colombia employees.
  • Línea de Crédito Anticipo de Prima Credit up to 50% of the legal semi-annual bonus value, at 1.4% n.m.v., deducted in June or December, no credit bureau consultation required. For Sodimac Colombia employees.
  • Línea de Crédito Turismo Tourism credit specifically for the Santa Marta apartment, at 0.8% n.m.v., term up to 24 months. For Sodimac Colombia employees.
  • Línea de Crédito Empresarial (FODES) Business credit for entrepreneurship of members trained through the FODES program, up to 4 SMMLV, at 0.9% n.m.v., term up to 36 months. For Sodimac Colombia employees.
  • Línea de Crédito SOAT Credit for SOAT (mandatory vehicle insurance) acquisition up to 100% of value. No credit bureau consultation or FGA required. For Sodimac Colombia employees.
  • Línea de Crédito Impuestos Credit for tax payment up to 6 salaries of the member, at 1% n.m.v., with credit bureau consultation and FGA. For Sodimac Colombia employees.
  • Ahorro Obligatorio Monthly minimum mandatory savings deducted from payroll based on the member's salary bracket, earning 1.64% effective annual return. 70% goes to permanent savings and 30% to social contributions. Required for all members.
  • Ahorro a la Vista Voluntary immediate-liquidity savings account with 4% E.A. return, from $10,000/month, deducted from payroll or by deposit. Targeted at Sodimac Colombia employees.
  • Ahorro Programado Term savings plan for specific goals such as vacation, education, or vehicle, with rates from 5.0% E.A. (6 months) to 6.5% E.A. (24 months). For Sodimac Colombia employees.
  • CDAT (Certificado de Depósito de Ahorro a Término) Fixed-term investment certificate from $500,000 minimum, with rates from 4.0% E.A. (30 days) to 8.9% E.A. (360 days). Includes online simulator for returns, interest rates, and terms. For Sodimac Colombia employees.
  • Auxilio Póliza Exequial 50% subsidy on the Los Olivos Plan Integral funeral policy, covering up to 10 beneficiaries of the family nucleus. For Sodimac Colombia employees.
  • Programa de Auxilios Económicos Portfolio of more than 10 economic aid programs including: optical frames (up to $173,000), dental (70% up to $173,000), post-orthodontic retainers (up to $468,000), baby kit, medications (up to $156,000), copayments (up to $390,000), home purchase (up to $574,000), calamities (up to 1 SMMLV), funeral (up to $710,000), and graduation rights (up to $375,000). For Sodimac Colombia employees.
  • Convenios Comerciales Portfolio of more than 40 commercial partnerships providing member discounts and subsidies on telephony (Claro from $20,900/month), insurance, recreation (Cine Colombia, Cinemark, Royal Films, Bodytech, Smart Fit), education (Open English), retail (Homecenter, Éxito, Alkosto), tourism, food (Colanta, Alpina), and vehicle insurance. Available to Sodimac Colombia employees and their families.
  • Apartamento Vacacional Samaria Club de Playa Santa Marta Vacation apartment in Samaria Club de Playa, Santa Marta (Pozos Colorados), with 2 bedrooms, 2 bathrooms, capacity 6 people, fully furnished with pool, gym, sauna, and beach access. Rates from $275,900 to $520,000 based on category and season, with 50% subsidy on club wristbands. Exclusive to Sodimac Colombia employees and their families.
  • Programa FODES (Fondo de Desarrollo Empresarial) Free business development and entrepreneurship training program for members and their families, focused on strengthening entrepreneurial skills through virtual training. More than 400 people trained in the last year. For Sodimac Colombia employees.

Quantifiable outcome

  • Over 6,400 employees of Sodimac Colombia affiliated as members
  • +4 more outcomes

Companies that use Fondo de Empleados de Sodimac Colombia FONSODI

Customer profile

Named customers1 record

Ideal customer profiles1 record

Fondo de Empleados de Sodimac Colombia FONSODI technology and API

Technology

Technology focussed No

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

Fondo de Empleados de Sodimac Colombia FONSODI partnerships and signals

Strategic signal

Partnerships

31 partnerships are on record, tiered core and minor.

  • Claro ColombiacoreGTM or Marketing PartnerClaro provides corporate mobile plans from $20,900/month with national coverage and no contract lock-in for FONSODI members and their families. FONSODI acts as an aggregator, onboarding members onto Claro's corporate billing system with payroll deduction available.
  • HomecentercoreGTM or Marketing PartnerExclusive credit line for purchasing at Homecenter stores at a preferential rate of 0.90% n.m.v., with up to 2x the member's salary as credit limit, up to 12 months (24 months for remodels over 2 SMMLV). No credit bureau consultation required. Members receive a Gift Card for use at Homecenter.
  • Cine Colombia S.A.minorGTM or Marketing PartnerMembers access 2D movie tickets at $15,000 and 3-person combos at $29,000 with no-interest payroll deduction, across 13+ Colombian cities including Armenia, Barranquilla, Bogotá, Bucaramanga, Cali, Cartagena, Ibagué, Manizales, Medellín, Montería, Pereira, Popayán, Villavicencio.
  • CinemarkminorGTM or Marketing PartnerMembers access 2D tickets at $16,500 and combos at $25,000 across 13+ cities including Armenia, Bogotá, Bucaramanga, Cali, Ibagué, Medellín, Montería, Neiva, Palmira, Pereira, Santa Marta, Villavicencio, Yopal.
  • Royal FilmsminorGTM or Marketing PartnerMembers access 2D tickets at $13,000 and combos at $27,000 across 16 cities including Armenia, Bogotá, Bucaramanga, Cali, Cartagena, Cúcuta, Girardot, Ibagué, Medellín, Montería, Neiva, Pereira, Tuluá, Tunja, Valledupar, Villavicencio.
  • EmermédicacoreGTM or Marketing Partner24/7 home medical assistance including medical house calls, pre-hospital emergency care, hospital transfers, and telemedicine via video. Coverage in Bogotá, Soacha, Chía, Cajicá, Cali, Neiva, Villavicencio, Bucaramanga, and Medellín at $38,247/person/month.
  • AMI – Asistencia Médica Inmediata S.A.coreGTM or Marketing Partner24/7 pre-hospital medical assistance with doctor-on-call and hospital transfer services. Plan Preferencia at $44,600/person/month; Plan Oro at $51,000/person/month. Coverage in Montería, Cartagena, Barranquilla, Santa Marta, and Valledupar.
  • Liberty Seguros (Liberty Home Assistance)coreGTM or Marketing PartnerHome medical assistance underwritten by Liberty Seguros and brokered by HDI/Marsh. Services include medical phone guidance, home treatment, stabilization, and emergency evacuation at $20,782/person/month nationwide in Colombia.
  • EPS Sanitas (Plan Complementario de Salud)coreGTM or Marketing PartnerSupplementary health plan with preferred access to clinics, labs, and pharmacies. $42,300/month for under 60; $89,200/month for 60 and over. National coverage in 15+ cities including Bogotá, Medellín, Cali, Barranquilla, Cartagena, Manizales, Pereira, Armenia, Valledupar, Cúcuta, Bucaramanga, Tunja, Ibagué, Villavicencio, Neiva.
  • EPS SURA (Plan Complementario de Salud)coreGTM or Marketing PartnerSupplementary health plan from EPS SURA with three tiers, direct specialist access, 24/7 home medical care, hospital rooms, and copay savings. National coverage.
  • Colmédica (Odontología Prepagada)coreGTM or Marketing PartnerPrepaid dental plan offering basic and specialized dental coverage through Colmédica's clinic network nationwide. Premiums vary by age bracket (from approximately $13,000 to $32,000/month) effective January 2026 through December 2026.
  • Los Olivos (Póliza Exequial)coreGTM or Marketing PartnerFuneral service policy with Los Olivos. FONSODI subsidizes 50% of the Plan Integral premium and covers up to 10 family beneficiaries. Members access 24/7 service line via #317 or (601) 3404055.
  • Seguros Colsanitas / Gallagher (Seguro de Vida)minorGTM or Marketing PartnerGroup life insurance policy underwritten by Seguros Colsanitas, brokered by Gallagher. Provides financial protection for employees and families against unforeseen events.
  • HDI Seguros S.A. (Seguro de Vida y Otros)minorGTM or Marketing PartnerLife insurance with coverage for total/permanent disability, accidental death, serious illness advance, 12-month household rent allowance, and funeral aid. Monthly premiums from $3,170 to $47,550; coverage from $10M to $150M. 24/7 line #317.
  • Mapfre y Sura S.A. / Seguros Falabella (Seguro de Vehículo)minorGTM or Marketing PartnerVehicle insurance through Mapfre and Sura, brokered by Seguros Falabella, with nationwide coverage. Accessible via #888 or #624. Contact through FONSODI's commercial advisor.
  • Mundial Seguros S.A. (Seguro de Vehículo)minorGTM or Marketing PartnerVehicle insurance with nationwide coverage through Mundial Seguros, accessible via FONSODI's commercial advisor.
  • Allianz / Marsh Mc Lennan (Póliza Hogar)minorGTM or Marketing PartnerHome insurance policy covering household contents, appliances, electronics, and personal belongings against unexpected damage. Brokered by Marsh Mc Lennan with national coverage.
  • BodytechminorGTM or Marketing PartnerFitness and sports services with discounts from 10% to 30% on official rates depending on monthly promotions. National coverage through Pedro Martínez commercial contact.
  • Smart FitminorGTM or Marketing PartnerPromotional codes for gym access. $270,000 per 3 months; $1,060,000 annual membership. National coverage.
  • Vetplus Colombia (Medicina Prepagada Veterinaria)minorGTM or Marketing PartnerVeterinary prepaid medicine with 8% monthly payment discount and 5% additional discount for second pet of the same member. National coverage through vetpluscolombia.com.
  • Animal PetminorGTM or Marketing PartnerBasic Gold Plus veterinary plan at $44,500/month with national coverage, accessible through FONSODI contact Paola Torres.
  • Samaria Club de PlayacoreGTM or Marketing PartnerFONSODI owns and operates a beach apartment in Samaria Club de Playa, Santa Marta (Pozos Colorados), available exclusively to members and their families at preferential rates with 50% subsidy on club wristbands. 2 bedrooms, 2 baths, capacity 6, fully furnished with pool, gym, sauna, and beach access.
  • Trip REPS ColombiaminorGTM or Marketing PartnerTravel agency offering 3%+ discounts on national and international travel services for members. National coverage.
  • More Than EventsminorGTM or Marketing PartnerEvent and tourism company offering wedding packages, 15th birthday celebrations, extreme sports, day trips, and accommodation. Special rates and discounts for FONSODI members in Bogotá and Sabana zone.
  • Almacén Éxito S.A.minorGTM or Marketing PartnerGift card credit activated on member's national ID for shopping at Éxito stores. Credit approval by FONSODI commercial coordinator; card activated at Éxito customer service desk with ID and verification code.
  • Open EnglishminorGTM or Marketing PartnerOnline English language school offering 12-month unlimited access license with live instructors. Members receive up to 78% discount off full public price. Available in 22+ Colombian cities.
  • Access Telecom ColombiaminorChannel Partner/ Reseller/ DistributorCell phone retailer offering a wide catalog of phone brands at competitive prices for FONSODI members. National coverage through dealer Deisy Valderrama.
  • ColantaminorGTM or Marketing Partner2–3% discount on dairy and food products at Colanta stores in Manizales, Pereira, Armenia, Cali, Medellín, Neiva, and Bucaramanga.
  • Alpina – Old ParrminorGTM or Marketing PartnerDiscount on Alpina dairy products in Ibagué and Girardot.
  • Carnes Frías D' CostaminorGTM or Marketing PartnerCold cuts and processed meat products at catalog prices with financing available for FONSODI members in Valledupar.
  • AlkostominorGTM or Marketing PartnerCredit activated by FONSODI commercial coordinator with email authorization. Member prints authorization and presents it at point of sale.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Fondo de Empleados de Sodimac Colombia FONSODI competitors and assessment

Company assessment

Others

  • Colsubsidio: Colombian Caja de Compensación Familiar offering welfare, recreation, education, credit, and health services to employees of affiliated companies. Adjacent rather than direct: similar welfare and discount ecosystem, but a multi-employer compensation fund rather than a single-employer credit/savings cooperative.
  • Compensar: Colombian family compensation fund providing welfare, health, education, recreation, and credit services to corporate employees. Adjacent to FONSODI's welfare (auxilios) and partnership portfolio, but with a multi-employer structure and broader social-security orientation.

Direct peers

  • Fondo de Empleados de Bavaria: Employee fund for Bavaria (AB InBev) workers in Colombia offering savings, credit, and welfare benefits. Same single-employer closed-membership structure as FONSODI, with payroll-deduction collections and a similar mix of credit lines and auxilios.
  • Fondo de Empleados de Ecopetrol: Closed-membership employee fund (Fondo de Empleados) serving Ecopetrol employees with savings, credit, and welfare benefits. Structurally identical to FONSODI — Colombian solidarity entity tied to a single employer, payroll-deduction collections, and similar product portfolio.
  • Fondo de Empleados del Banco de Bogotá: Employee fund for Banco de Bogotá employees providing savings, credit, and welfare services. Direct structural analog: closed-membership Colombian Fondo de Empleados, tied to a single corporate parent's payroll base.

Broad incumbents

  • Coomeva Cooperativa: One of Colombia's largest cooperative entities offering savings, credit, health, and welfare services. Operates as a multi-employer cooperative rather than a single-employer fund, so it is broader but provides overlapping credit and welfare products to similar retail-employee demographics.
  • Confiar Cooperativa Financiera: Colombian cooperative financial institution offering savings accounts, credit, and welfare benefits to a broader membership. Comparable credit and savings product mix, but operates as an open cooperative rather than a closed employer-tied fund.
  • Fondo Nacional del Ahorro (FNA): Colombian government-linked savings and housing finance entity serving public-sector employees. Overlaps with FONSODI on mandatory savings and housing credit, but at a much larger national scale and with a different employment base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Fondo de Empleados de Sodimac Colombia FONSODI social profiles

Digital presence

Fondo de Empleados de Sodimac Colombia FONSODI financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Fondo de Empleados de Sodimac Colombia FONSODI leadership team

Management profile

Number of profiles

Profiles17 records

Fondo de Empleados de Sodimac Colombia FONSODI funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Fondo de Empleados de Sodimac Colombia FONSODI M&A and investment

M&A and investment

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 Sodimac Colombia FONSODI

What does Fondo de Empleados de Sodimac Colombia FONSODI do?

FONSODI is a non-profit solidarity employee fund (Fondo de Empleados) that provides financial services exclusively to Sodimac Colombia employees and their families. Its core offerings include 16 dedicated credit lines (for housing, vehicle, education, consumption, tourism, business, etc.), four savings products (mandatory savings, sight savings, programmed savings, and CDATs), over 10 economic aid (auxilios) programs, more than 40 commercial partnership discounts, a vacation apartment in Santa Marta, and a free entrepreneurship training program (FODES).

Is Fondo de Empleados de Sodimac Colombia FONSODI a public or private company?

Fondo de Empleados de Sodimac Colombia FONSODI is a private company. It is classified as management employee owned and is currently operating.

When was Fondo de Empleados de Sodimac Colombia FONSODI founded?

Fondo de Empleados de Sodimac Colombia FONSODI was founded in 1998. It employs 11 to 50 people.

Where is Fondo de Empleados de Sodimac Colombia FONSODI based?

Fondo de Empleados de Sodimac Colombia FONSODI is headquartered in Bogotá, Colombia, in the Latin America region.

How does Fondo de Empleados de Sodimac Colombia FONSODI make money?

Five revenue lines are on record. Credit Interest Income is the primary driver. The others are mandatory Savings (Ahorro Obligatorio), voluntary Savings Products, commercial Partnerships and Convenience Fees and annual Surplus Distribution.

Who are Fondo de Empleados de Sodimac Colombia FONSODI's main competitors?

Others on record are Colsubsidio and Compensar. Direct peers are Fondo de Empleados de Bavaria, Fondo de Empleados de Ecopetrol and Fondo de Empleados del Banco de Bogotá. Broad incumbents are Coomeva Cooperativa, Confiar Cooperativa Financiera and Fondo Nacional del Ahorro (FNA).

Does Fondo de Empleados de Sodimac Colombia FONSODI have an API?

No public API is recorded for Fondo de Empleados de Sodimac Colombia FONSODI.

What industry is Fondo de Empleados de Sodimac Colombia FONSODI in?

Fondo de Empleados de Sodimac Colombia FONSODI's product category is Employee Fund / Cooperative Financial Services. Its primary akta.pro industry code is FSABAEAC, Community Development Credit Unions (CDCUs), with a secondary code of EDAMAKAF, Scholarship, Financial Aid & FAFSA Support. Its NAICS code is 5251 and its SIC code is 6036.

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