ECONOMÍA

Las cooperativas en el Perú

Cooperativas en el Perú
Fuente: alonsorodriguez.org

Uno de los temas que ha motivado el debate en el Congreso durante las últimas semanas es el proyecto de ley que promueve la supervisión y regulación a las cooperativas en el Perú. La preocupación por decidir qué entidad estatal es la indicada para supervisarlas es el tema principal en las sesiones del pleno. El punto central de dicha propuesta reside en la motivación por prevenir el lavado de activos y el crimen organizado que muchas veces suele utilizar a las cooperativas como fachada para delinquir.

Según el Ministerio de la Producción, una cooperativa es una asociación autónoma de personas que se reúnen de forma voluntaria para ejercer una actividad empresarial. Como su nombre lo indica, la relación que rige una cooperativa es la cooperación de todos sus miembros en pos de un mismo objetivo. Asimismo, es una asociación sin fines de lucro, en el sentido de que está dirigida a favorecer la autoayuda.

Las cooperativas en el Perú funcionan desde hace varias décadas y han adoptado muchas formas. Existen las que están orientadas a la generación de fuerza de trabajo o las que tienen como objetivo hacer compras en conjunto para favorecer la producción. Es importante destacar que la gran mayoría de cooperativas se encuentra en Lima y que sus principales actividades abarcan servicios, comercio y ahorro y crédito. Precisamente, la discusión que ha tenido lugar en el Congreso se centra en las de este tipo. Las cooperativas de ahorro y crédito (Coopac) son instituciones financieras que existen para ofrecer a sus miembros un lugar seguro en el cual depositar ahorros y acceder a préstamos a tasas que no podrían encontrar en otras entidades del sistema financiero. Según las estadísticas manejadas por la Federación Nacional de Cooperativas de Ahorro y Crédito (Fenacrep), actualmente existen 150 Coopac en el Perú. Estas están compuestas por un total de 1 millón 600mil socios, los cuales manejan un nivel de activos superiores a los S/ 13,000 millones. Dentro de estas, las de mayor tamaño son Pacífico, AELU y Abaco. Cabe resaltar que la morosidad en las Coopac afiliadas al Fenacrep es muy baja, lo cual es un buen síntoma. Solo el 6.13% de los créditos otorgados corresponden a créditos morosos.

En la actualidad, las Coopac son reguladas por la SBS y supervisadas por la Fenacrep. Sin embargo, el sistema de supervisión aplicada por esta última es limitado, ya que no cuenta con las facultades y los recursos suficientes para llevar a cabo sus labores. Además, la tarea de supervisión se complica más por el carácter voluntario de afiliación a dicha federación. Así, no se puede contar con un registro realmente comprensivo de la totalidad existente de estas entidades. Por último, preocupa el crecimiento del número de Coopac en el Vraem. De modo que se hace necesario el establecimiento de un marco de regulación y supervisión efectivo con el fin de favorecer la prevención del lavado de activos y financiamiento del terrorismo. Esperemos que el debate en el Congreso finalice en el plazo más corto posible.

Fuentes:

INEI & Ministerio de la Producción (2010). Las cooperativas en el Perú: Estadísticas económicas y financieras.

SBS (2018) Supervisión de las Cooperativas de Ahorro y Crédito: La luz al final del túnel. Boletín semanal. N°002. Febrero

Andrés Rosas
Economista PUCP. Disfruto investigando sobre los temas que más afectan a nuestra economía. Recontra futbolero y nadador por afición. Tengo la certeza de que la lectura es la cura para nuestros problemas.
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