You deposit every month.
But do you know what happens to your money?
Four focused sessions that give cooperative members in Paraguay the knowledge to understand their cooperative, exercise their rights, and participate meaningfully in the annual assembly.
Most members deposit. Few understand.
Thousands of cooperative members across Paraguay make their monthly deposits faithfully — yet very few understand what their cooperative actually does with those funds, what decisions are made in their name, or what rights they hold as member-owners.
This program was designed specifically for that gap. It is not a promotion for any cooperative, nor a recommendation of where to save. It is purely educational — structured knowledge for people who deserve to understand the institution they belong to.
Knowledge that belongs to every member
Each topic in this program addresses a real gap that most cooperative members experience — but rarely talk about.
How a Savings and Credit Cooperative Works
Understand the cooperative model from the ground up — how it differs from a bank, who owns it, how decisions are made, and what happens to the money members deposit every month.
Member = Owner
Unlike a bank customer, a cooperative member is also a part-owner of the institution.
Democratic Control
One member, one vote — regardless of how much you have saved.
Reading a Simplified Balance Sheet
Financial statements do not have to be intimidating. This session teaches members how to identify the key figures in a cooperative's annual report — assets, liabilities, member equity, and surplus — using clear, plain-language explanations.
Your Rights as a Member
Information access, voting, profit sharing, and how to raise concerns.
The Annual Assembly: Questions That Matter
Most members never attend. Those who do often feel unprepared. This session provides a practical framework for understanding what is discussed, what to look for in reports, and what questions any member is entitled to ask.
Four sessions. One clear path.
Each session builds on the previous one, creating a complete picture of how cooperatives work and how members can engage meaningfully.
The Cooperative Model Explained
A clear introduction to how savings and credit cooperatives function in Paraguay — the legal framework, the role of INCOOP, the difference between a cooperative and a commercial bank, and what it means to be a member-owner rather than just a customer.
Member Rights and Responsibilities
A detailed look at what the law and the cooperative's own statutes guarantee to every member — the right to information, the right to vote, the right to receive a share of surplus, and the channels available for raising concerns or filing complaints.
Understanding the Simplified Balance Sheet
Financial literacy tailored to cooperatives. Participants learn to identify the main sections of an annual financial report — what assets and liabilities mean in a cooperative context, how to read member equity, and what the surplus figure represents for members.
Participating in the Annual Assembly
The annual assembly is the most important democratic moment in any cooperative's year — yet most members skip it. This session covers what happens there, what decisions are made, how to read the agenda, and a practical list of questions every member can ask.
Ready to understand your cooperative?
This program is designed for cooperative members in Paraguay who want to move from passive participation to informed engagement. No prior financial knowledge is needed — just curiosity and a desire to understand.
Independent educational program. We do not promote any specific cooperative.
View All Sessions