koop.

What koop. does

TÜRKİYE ESNAF VE SANATKARLAR KREDİ VE KEFALET KOOPERATİFLERİ BİRLİKLERİ MERKEZ BİRLİĞİ (TESKOMB), founded in 1970 and headquartered in Ankara, is the national central union of Esnaf ve Sanatkarlar Kredi ve Kefalet Kooperatifleri — artisan and tradesperson credit and guarantee cooperatives. It operates a three-tier network comprising 1,000 district-level cooperatives serving approximately 1.5 million registered artisan members, supervised by 32 regional unions (Bölge Birlikleri) covering all 81 Turkish provinces and 922+ districts, supported by approximately 8,000 personnel. Its core function is to provide collective surety (kefalet) guarantees to T. Halkbank, the sole designated state bank, enabling individual artisans — who would otherwise be excluded from formal commercial credit due to lack of collateral and credit history — to access working capital and investment financing.

TESKOMB offers five specialized credit programs: İşletme Kredisi (Business Credit, up to 1,000,000 TL with up to 48-month terms), Usta Girişimci Kredisi (Master Craftsman Entrepreneur Credit, 100% interest discount for Law 3308-certified craftsmen), Yatırım Destek Kredisi (Investment Support Credit, up to 2,500,000 TL for business premises and commercial vehicles), Genç Girişimci Kredisi (Young Entrepreneur Credit, up to 300,000 TL with KOSGEB approval and 100% interest discount), and Kaybolmaya Yüz Tutan Meslekler Kredisi (Endangered Professions Credit, 100% interest discount for traditional craftspeople). Its internal technology stack includes the IBSS/KoopBYS business management system, the e-BYS electronic document management platform, and the Dijital Esnaf Kredisi (Digital Artisan Credit) digital application channel jointly operated with Halkbank. The organization also owns a wholly-owned subsidiary, ESGİMTAŞ A.Ş., which provides ancillary services to the cooperative network.

TESKOMB is structured as a non-profit cooperative under Turkish Law 1163 and does not charge member fees. Interest rates on artisan loans are subsidized by the Turkish government through the Ministry of Treasury and Finance (Hazine ve Maliye Bakanlığı), which pays the differential between Halkbank's commercial lending rate and the subsidized artisan rate. Regulatory oversight and program coordination are provided by the Ministry of Trade (Ticaret Bakanlığı) through its Directorate General for Artisans and Cooperatives. Chairman Abdulkadir Akgül — who is also a Member of Parliament for Yozgat representing the AK Party — and General Manager Güler Zincirkıran lead the organization, which celebrated its 50th Ordinary General Assembly in 2025. This public-private cooperative architecture — anchored by a long-standing institutional relationship with Halkbank and direct accountability to two ministries — defines both TESKOMB's revenue mechanics and its operational reach.

Name

koop.

Legal name

TÜRKİYE ESNAF VE SANATKARLAR KREDİ VE KEFALET KOOPERATİFLERİ BİRLİKLERİ MERKEZ BİRLİĞİ

Website

https://teskomb.org.tr

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

1–10 employees

Short description

TESKOMB is the Turkish national cooperative union that provides collective credit guarantees to T. Halkbank for approximately 1.5 million artisan and small business members across 1,000 cooperatives in all 81 provinces, enabling access to government-subsidized financing.

Ownership category

akta.pro rank

Product category

Cooperative Credit Guarantee Services

NAICS

Civic and Social Organizations (81341), Credit Unions (522130)

SIC

Services-Membership Organizations (8600), Miscellaneous Business Credit Institution (6159)

akta.pro industry

PRIMARYFSABAEAL

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops)

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

SECONDARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

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

Keywords

• Cooperative credit guarantees
• Artisan lending services
• Small business financing
• Government-subsidized credit
• Cooperative union network

Headquarters

HQ city

Ankara

HQ country

Türkiye

HQ region

Europe

Offices33 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Kefalet Sistemi (Guarantee/Credit System): TESKOMB does not generate direct revenue from its members. Instead, the cooperative system operates as a guarantor — cooperatives provide surety (kefalet) to Halkbank on behalf of their artisan/member borrowers. The government (Ministry of Treasury/State Treasury) pays the difference between the commercial interest rate and the subsidized rate offered to artisans. Cooperatives do not charge fees directly to members for the guarantee — the state subsidy compensates for the interest rate gap.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

TESKOMB is the national central union of Artisan and Craftsman Credit and Guarantee Cooperatives in Turkey, operating a three-tier network (1,000 cooperatives → 32 regional unions → central union) that provides surety (kefalet) to T. Halkbank so artisan and small-business members can access government-subsidized credit. The organization does not charge fees to members; the Ministry of Treasury and Finance subsidizes the interest-rate differential, while Halkbank disburses the loans through cooperative-guaranteed applications.

Product overview

TESKOMB operates as a cooperative union providing credit and guarantee services for small businesses and artisans in Turkey through a three-tier structure: 1,000 cooperatives at the base level, 32 regional unions, and the central union. The organization facilitates access to state-supported financing via Halkbank by providing surety guarantees. The core product offerings consist of five specialized loan programs: İşletme Kredisi (Business Credit) for working capital with up to 48-month terms, Usta Girişimci Kredisi (Master Entrepreneur Credit) for certified craftsmen with 100% interest discount, Yatırım Destek Kredisi (Investment Support Credit) for workplace and vehicle purchases up to 2.5 million TL, Genç Girişimci Kredisi (Young Entrepreneur Credit) for entrepreneurs under 35 with KOSGEB backing, and Kaybolmaya Yüz Tutan Meslekler Kredisi (Endangered Professions Credit) for traditional artisans preserving cultural heritage.

Differentiator

Problem solved

Functional benefit

Products and services

• İşletme Kredisi (Business Credit) Working-capital loan provided through T. Halkbank with cooperative surety from local Esnaf ve Sanatkarlar Kredi ve Kefalet Kooperatifleri, offering up to 48-month maturity with 1, 3, or 6-month repayment options and a maximum 1,000,000 TL limit based on the cooperative's risk group, targeted at registered artisans and small tradespeople needing operating capital.
• Usta Girişimci Kredisi (Master Craftsman Entrepreneur Credit) Specialized credit for entrepreneurs holding at least one year of mastery certificate (ustalık belgesi) under Law 3308 who have established their own business in the related profession within the last year. Carries a 100% interest discount (fully state-subsidized) and excludes recipients of grants from other institutions and those who ceased commercial activity in the prior year.
• Yatırım Destek Kredisi (Investment Support Credit) Investment loan for business premises and commercial vehicle purchases up to 2,500,000 TL with cooperative surety, offering up to 60 months for workplace purchases and up to 48 months for new commercial vehicles, with state-subsidized interest rates.
• Genç Girişimci Kredisi (Young Entrepreneur Credit) Credit for entrepreneurs under 35 who completed KOSGEB Applied Entrepreneurship Training and whose project is approved by KOSGEB, offering up to 300,000 TL with 100% interest discount (fully state-subsidized) and excluding applicants with existing Hazine-subsidized credit debt.
• Kaybolmaya Yüz Tutan Meslekler Kredisi (Endangered Professions Credit) Special credit program for traditional artisans practicing 20+ endangered crafts (hand weaving, copper work, ceramic/pottery making, wood carving, spoon making, cane/furniture making, tailoring, etc.) who hold an Esnaf Tax Exemption Certificate, with 100% interest discount (fully state-subsidized) available to support preservation of cultural heritage crafts.

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered minor.

• Türkiye Milli Kooperatifler Birliği (Turkish National Cooperatives Union)minorOthersTESKOMB is a member of the Türkiye Milli Kooperatifler Birliği (Turkish National Cooperatives Union / TMKB), the national-level federation of cooperative organizations. TESKOMB's organizational structure — cooperatives, regional unions, and central union — mirrors the national cooperative framework. Membership in TMKB connects TESKOMB to the broader Turkish cooperative movement.
• International Cooperative OrganizationsminorOthersTESKOMB states it has applied for membership in international cooperative organizations and aims to participate in international cooperative forums, receive training assistance, equipment, and financial aid from international cooperative bodies.
• ESGİMTAŞ A.Ş.minorOthersESGİMTAŞ A.Ş. is a subsidiary (iştirak) of TESKOMB. It conducts ordinary and extraordinary general assemblies attended by TESKOMB leadership. The company appears to provide support services to the TESKOMB cooperative network, though specific details of its operations are not elaborated on the website.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Others

• BVR — Bundesverband der Deutschen Volksbanken und Raiffeisenbanken: German umbrella association for the cooperative banking sector (Volksbanken/Raiffeisenbanken); relevant as an institutional peer for federated cooperative banking networks and as a thought leader on cooperative governance and capital frameworks.

Broad incumbents

• Crédit Agricole: One of Europe's largest cooperative banking groups with a tiered regional-to-national federation structure; serves as a useful reference for how a cooperative network can evolve and consolidate while preserving the member-owned ethos.
• Desjardins Group: North America's largest cooperative financial group with a federated caisse network; comparable as a member-owned cooperative providing retail financial services to a defined membership base across a national geography.
• Confédération Nationale du Crédit Mutuel: Major French cooperative banking federation with a multi-tier structure (local caisses → regional → national federation) closely mirroring TESKOMB's cooperative→regional union→central union model, providing a benchmark for scaled cooperative banking infrastructure.

Emerging players

• Caja Rural de España: Federation of Spanish rural cooperative banks with a tiered local-to-national structure; comparable as small-business and rural lending specialists operating under a cooperative member-owned model.
• Co-operative Bank (UK): UK retail bank owned by its members through a co-operative society; relevant peer in showing how a cooperative financial institution operates outside a state-subsidy framework and the governance challenges it faces.
• Confcooperative: Italian cooperative confederation representing member cooperatives across multiple sectors; provides a comparable second-tier cooperative advocacy and coordination structure, though with broader sectoral scope than TESKOMB.

Direct peers

• Kredi Garanti Fonu (KGF): Turkey's main credit guarantee fund providing sureties to SMEs and cooperatives; recent TESKOMB-KGF protocol explicitly positions them as cooperative peers in expanding guarantee capacity to women's and agricultural cooperatives.
• Türkiye Halk Bankası (Halkbank): Sole designated state bank that disburses all TESKOMB-guaranteed artisan credit; both institutions operate as a tightly coupled duo — TESKOMB provides the guarantee (kefalet), Halkbank provides the capital — making it the most directly comparable and economically entangled peer.
• Türkiye Milli Kooperatifler Birliği (TMKB): The national-level federation of Turkish cooperative organizations of which TESKOMB is a member; structurally identical as a second-tier cooperative umbrella body serving member cooperatives across multiple sectors.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/koop-

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 koop.