1 The MICOOPE system integrates cooperatives and solidarity finance organizations, constituting the most important nonprofit society in Guatemala. It is a solidarity lending financial system, specializing in financial intermediation activities, whose main objective is to contribute to improving the quality of life of Guatemalans through providing financial solutions originating from participating Savings and Credit Cooperatives. Today MICOOPE has a network of 300 branch locations across the country. It also integrates two other companies: the insurance company Seguros Columna, and the MICOOPE Guarantee Fund, which backs the investments of its more than 2 million customers. The branches are crucial for MICOOPE’s operations. Members can manage administrative procedures, make payment

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