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If cooperativism is defined as an autonomous movement that seeks the cooperation of its members to achieve established goals, competitive cooperativism is one that seeks, as an added value, to generate satisfaction to stand out from other cooperatives. With this purpose, we sought to identify some of the competitiveness factors that intervene in credit unions in Panama from the administrative perspective, which has been described within the range of competitive administration. For this, in the study carried out during the year 2020, of the 479 formally registered cooperatives, the sample was made up of 124 savings and credit cooperatives, taking two of them in a convenience sample to apply a questionnaire, in an investigation with descriptive type mixed design. The results determined that the competitiveness factors are basically oriented in two categories: transparency through the periodic communication of financial reports, and the use and management of management information systems, which is in accordance with the competitive administration, therefore It is concluded that the internal factors that are part of the competitiveness of organizations are directly related to their internal behavior and functionality from their administrative environment to diligently deal with problem solving and manage the number of members while maintaining their loyalty. These results serve to recommend to the savings and credit cooperatives of the country to base their competitiveness factors in a standardized and homogeneous way to achieve a competitive administration.