<p>[vc_row type="in_container" full_screen_row_position="middle" column_margin="default" equal_height="yes" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" color_overlay="#f9f9f9" color_overlay_2="#007400" overlay_strength="0.95" gradient_direction="left_to_right" enable_shape_divider="true" shape_divider_color="#007400" shape_divider_position="both" shape_divider_height="50" shape_divider_bring_to_front="true" bg_image_animation="none" shape_type="fan"][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" centered_text="true" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/3" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][divider line_type="No Line" custom_height="20"][image_with_animation image_url="5609" animation="Fade In" hover_animation="none" alignment="right" border_radius="none" box_shadow="none" image_loading="default" max_width="100%" max_width_mobile="default"][vc_column_text]No todo son créditos con tasas accesibles.</p>
<p>El movimiento cooperativo es mucho más que sólo ser socio para solicitar un crédito, el bien común debe estar siempre por encima del bien individual.</p>
<p>Para conocer la real importancia de ser socio de una cooperativa es necesario conocer el significado de cooperación:[/vc_column_text][divider line_type="No Line" custom_height="15"][vc_column_text]<span style="font-size: 12pt;"><em>"La cooperación consiste en la comunidad de esfuerzos de un grupo de personas, con identidad de doctrina y de intereses, con el fin de mejorar sus condiciones de vida".</em></span></p>
<p><span style="font-size: 12pt;"> <strong> Florencio Eguía Villaseñor, ABC de la cooperación</strong>.</span>[/vc_column_text][/vc_column][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/3" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][image_with_animation image_url="5602" animation="Fade In" hover_animation="none" alignment="" border_radius="none" box_shadow="none" image_loading="default" max_width="100%" max_width_mobile="default"][/vc_column][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/3" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][divider line_type="No Line" custom_height="30"][vc_column_text]Alrededor del mundo existen diferentes tipos de cooperativas: de consumo, producción, ahorro y crédito, entre otras. Aunque el giro de la cooperativa sea diferente, todos los socios que las integran tienen las mismas características:</p>
<ul>
<li>Se comprometen con el modelo cooperativo y lo difunden.</li>
<li>Todos los socios de una misma cooperativa persiguen los mismos intereses.</li>
<li>Están dispuestos a aceptar las responsabilidades que implica ser socio de su cooperativa.</li>
<li>Viven el éxito de la cooperativa gracias a su compromiso con ella.</li>
<li>Anteponen el bienestar común por encima del individual.</li>
</ul>
<p>[/vc_column_text][divider line_type="No Line" custom_height="8"][vc_column_text]Como puedes ver ser socio de una cooperativa es mucho más que pagar una cuota de membresía, pedir créditos con tasa de interés competitiva o producir bienes o servicios; en las cooperativas lo realmente importante es el ser humano y su desarrollo en conjunto.[/vc_column_text][/vc_column][/vc_row][vc_row type="full_width_content" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" bg_color="#007400" scene_position="center" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" shape_type=""][vc_column column_padding="padding-4-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" centered_text="true" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/2" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][image_with_animation image_url="5645" animation="Fade In" hover_animation="none" alignment="center" border_radius="none" box_shadow="none" image_loading="default" max_width="75%" max_width_mobile="default"][vc_column_text]</p>
<p style="text-align: justify;"><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Las cooperativas son empresas centradas en las personas, que pertenecen a sus miembros, quienes las controlan y dirigen para dar respuesta a las necesidades y ambiciones de carácter económico, social y cultural comunes.</span></p>
<p style="text-align: justify;"><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Las cooperativas unen a las personas de manera democrática e igualitaria. Se gestionan de forma democrática con la regla de “un miembro, un voto”, independientemente de si sus miembros son clientes, empleados, usuarios o residentes. Todos los miembros tienen los mismos derechos de voto, independientemente del capital que aporten a la empresa.</span></p>
<p>[/vc_column_text][divider line_type="No Line" custom_height="20"][vc_video link="https://www.youtube.com/watch?v=PRPPayYVVUM&amp;ab_channel=Infocoop" align="center" css=".vc_custom_1618288021453{background-color: #000000 !important;border-radius: 4px !important;}"][/vc_column][vc_column column_padding="padding-4-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/2" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_row_inner equal_height="yes" column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="center"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" centered_text="true" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][image_with_animation image_url="5661" animation="Fade In" hover_animation="none" alignment="center" border_radius="none" box_shadow="none" image_loading="default" max_width="75%" max_width_mobile="default" margin_left="34"][/vc_column_inner][/vc_row_inner][vc_column_text]</p>
<p style="text-align: justify;"><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Una cooperativa Multiactiva, es aquella que maneja varios tipos de cooperativas o que maneja diversas Unidades Estratégicas de Negocio, como ahorro, aporte, crédito comercialización de productos y servicios. Al tomar la Cooperativa, la decisión de ampliar su portafolio de productos y servicios, eso la convierte en una MULTIACTIVA.</span></p>
<p style="text-align: justify;"><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Actualmente nuestras Unidades Estratégicas de Negocio en la Cooperativa Multiactiva Coobusscar son:</span></p>
<p>[/vc_column_text][fancy-ul icon_type="font_icon" icon="linecon-icon-star" color="Extra-Color-2" alignment="left" spacing="default"]</p>
<ul>
<li><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Comercialización de Productos</span></li>
<li><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Casino de Alimentos</span></li>
<li><span style="color: #ffffff; text-shadow: black 0.1em 0.1em 0.2em;">Créditos</span></li>
</ul>
<p>[/fancy-ul][vc_video link="https://www.youtube.com/watch?v=AtuMy_Uy3DU&amp;ab_channel=Colombias%C3%ADessolidaria" align="center"][/vc_column][/vc_row][vc_row type="in_container" full_screen_row_position="middle" column_margin="default" equal_height="yes" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" translate_y="21" text_color="dark" text_align="center" row_border_radius="none" row_border_radius_applies="bg" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" shape_type=""][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" centered_text="true" background_color_opacity="1" background_hover_color_opacity="1" font_color="#007400" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][divider line_type="No Line" custom_height="20"][vc_column_text]</p>
<h2><span style="color: #ff6600;">¿CUAL ES LA DIFERENCIA ENTRE UN BANCO Y UNA COOPERATIVA?</span></h2>
<p>[/vc_column_text][/vc_column][/vc_row][vc_row type="full_width_content" full_screen_row_position="middle" column_margin="default" vertically_center_columns="true" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" shape_type=""][vc_column column_padding="padding-4-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/2" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_video link="https://www.youtube.com/watch?v=uurTbIAO4Ts&amp;ab_channel=ConfiarCooperativaFinanciera"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding="padding-4-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/2" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_column_text]Las cooperativas de ahorro y crédito son organizaciones sin fines de lucro creadas para prestar servicio a sus socios. Al igual que los bancos, las cooperativas de ahorro y crédito aceptan depósitos, otorgan préstamos y ofrecen una amplia variedad de otros servicios financieros. Pero como instituciones cooperativas y de propiedad de sus socios, las cooperativas de ahorro y crédito brindan un espacio seguro para ahorrar y pedir prestado a tasas razonables.[/vc_column_text][/vc_column][/vc_row][vc_row type="in_container" full_screen_row_position="middle" column_margin="default" equal_height="yes" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" translate_y="21" translate_y_phone="-20" translate_x_phone="0" text_color="dark" text_align="center" row_border_radius="none" row_border_radius_applies="bg" overlay_strength="0.3" gradient_direction="left_to_right" shape_divider_position="bottom" bg_image_animation="none" shape_type=""][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" centered_text="true" background_color_opacity="1" background_hover_color_opacity="1" font_color="#007400" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][divider line_type="No Line" custom_height="20"][vc_column_text]</p>
<h2><span style="color: #ff6600;">¿QUE SON LOS APORTES SOCIALES?</span></h2>
<p>[/vc_column_text][/vc_column][/vc_row][vc_row type="full_width_content" full_screen_row_position="middle" column_margin="default" vertically_center_columns="true" column_direction="default" column_direction_tablet="default" column_direction_phone="default" scene_position="center" top_padding="0" bottom_padding="0" translate_y="-100" translate_x="-25" text_color="dark" text_align="left" row_border_radius="none" row_border_radius_applies="bg" overlay_strength="0.3" gradient_direction="left_to_right" enable_shape_divider="true" shape_divider_color="#007400" shape_divider_position="bottom" shape_divider_height="50" shape_divider_bring_to_front="true" bg_image_animation="none" shape_type="fan"][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" top_margin="0" left_margin="-21" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/6" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][/vc_column][vc_column column_padding="padding-4-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="top-bottom" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/3" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_row_inner column_margin="default" column_direction="default" column_direction_tablet="default" column_direction_phone="default" text_align="left"][vc_column_inner column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/1" tablet_width_inherit="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_video link="https://www.youtube.com/watch?v=E9RGdGSP8rk&amp;ab_channel=ConfiarCooperativaFinanciera"][/vc_column_inner][/vc_row_inner][/vc_column][vc_column column_padding="padding-4-percent" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/3" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][vc_column_text]¡Los aportes sociales NO SON UN AHORRO!, son una contribución económica voluntaria y periódica acorde a la posibilidad de cada uno, esto permite que la Cooperativa cuente con los recursos para cumplir con el objeto social y fomente el bienestar de todos.[/vc_column_text][/vc_column][vc_column column_padding="no-extra-padding" column_padding_tablet="inherit" column_padding_phone="inherit" column_padding_position="all" background_color_opacity="1" background_hover_color_opacity="1" column_shadow="none" column_border_radius="none" column_link_target="_self" gradient_direction="left_to_right" overlay_strength="0.3" width="1/6" tablet_width_inherit="default" tablet_text_alignment="default" phone_text_alignment="default" column_border_width="none" column_border_style="solid" bg_image_animation="none"][image_with_animation image_url="5698" animation="Fade In" hover_animation="none" alignment="" border_radius="none" box_shadow="none" image_loading="default" max_width="100%" max_width_mobile="default" margin_left="-92" margin_top="0" margin_bottom="0"][/vc_column][/vc_row]</p>
