Tubao Credit Cooperative, Tubao, La Union

1. TUBAO CREDIT COOPERATIVE

3. Testimonials/ Success Stories
Master Teacher I, Tubao La Union
I was in the grade school when I heard about ‘TUBAO
CREDIT COOPERATIVE.” There are lots of positive things
I’ve heard about it. Actually, my parents are also members.
We were able to finish our education until we became
degree holders together with my two sisters, Mariel Panelo
Estoque and Arlyn Panelo. It is because of the amount of
money my parents borrowed from the Cooperative.

4. Noel T. Panelo success story…
Way back 2003; a blessing came from God because I was able
to fill a teaching position in a Central School in our town. At that
time, I asked my parents how to become a member of the
Cooperative because I want to become a member, too. They asked
me to visit their office and I did it. I attended the PMES until I
became a member. There came a time when we encountered
financial problem and since I’m already employed in a government
service, I decided to apply for salary loan for teachers and Tubao
Credit Cooperative was very willing enough to lend me that certain
amount. I also used the rest of the money in my education. I
enrolled in the graduate studies and took up Master of Arts in
Educational Management. Because of dedication and commitment
to my profession, I was promoted from Teacher I to Master Teacher
I and just last year I was awarded as One of the Most Outstanding
Public School Teacher in La Union.

5. Noel T. Panelo success story…
Tubao Credit Cooperative is really a blessing for me. I was able
to sustain the education of my younger brother in college because
of the salary loan offered by TCC. He finished Bachelor in
Elementary Education and now a teacher like me. He is Alvin T.
Panelo and now teaching at Saint Isidore School of Tubao. The
amount and the trust given me by the TUBAO CREDIT COOPERATIVE
helped me fulfill and realize my dream as well as the dream of my
younger brother Alvin.Truly….
“Gapukenka TUBAO CREDIT COOPERATIVE
Rigattibiagmaibturan,
Gapukenka TUBAO CREDIT COOPERATIVE
Panagrang-ay masarakan.”

6. Testimonies/success stories
Catalina Boado Garcia
San Nicolas West, Agoo, La Union
(Fisherfolk)
Fisherfolks are one among the sectors of our
community who comprise membership in the Tubao Credit
Cooperative. They live along the coastal barangays of the
municipalities of the province of La Union. Fishermen or
“mang-ngalap” as they are often called in our local dialect,
greatly depend on fishing as means of their livelihood.

7. Testimonies/success stories
- Catalina Boado Garcia
• This livelihood is quite difficult and risky particularly
when the weather is not fine and the sea is rough.
Likewise, their income is not stable, especially when a
fisherman does not own a fishing boat. However, this
irony in life is negated, when one has a positive
approach in life.
• This positive approach in life, is exemplified by one
fisherman in the name of Lumer Garcia of barangay
San Nicolas West, Agoo, La Union. He is sixty five (65)
years old, married to Catalina Boado of whom they
were blessed with six (6) children, four (4) girls and two
(2) boys. Mr. Lumer Garcia is a typical fisherman who
lives below the threshold of poverty.

8. Testimonies/success stories
- Catalina Boado Garcia
• He stays in a typical house made of indigenous
materials located near the seashore. Although he
owned a motorized boat or “banca” which he used for
fishing to earn a living in sustaining his family, still, Mr.
Garcia has to double his efforts in order to send his
children to college. This financial predicament
signalled the couple to join and became members of
the Tubao Credit Cooperative. Mr. & Mrs Lumer Garcia
originally availed of a small productive loan from the
cooperative and eventually obtained a bigger sum in
their succeeding loan availment, because they
promptly settled their loan obligations

9. Testimonies/success stories
- Catalina Boado Garcia
• They are classified as members in good credit
standing. His patience, hard work and a loan capital
from Tubao Credit Cooperative, fortunately enabled
him to raise his income and acquired four (4) more
motorized fishing boats. He was able to send his
children to college. His six children are now
professionals, one is a doctor, the others are nurse,
midwife, engineer, criminologist, and HRM
graduate. Their present house is now a new two-
storey concrete edifice, harmonized with a brand
new service car. Indeed, the fruit of the toil of Mr. &
Mrs. Garcia is a shining example of a successful
member/borrower of Tubao Credit Cooperative. To
God be the glory ! ! !

10. Testimonies/success stories
Success story of one of the trainees who underwent the Skills Training on Welding
provided to Person with Disabilities sponsored by the TCC held on August 05, 2013
toAugust 10, 2013
Name of Trainee : VICTORIANO G.DRAPIZA
Age : 56 years old
Address : Brgy. Garcia, Tubao, La Union
Educational Attainment : Vocational Course Graduate
Occupation : Triycle Driver/ welder

11. Testimonies/success stories
- VICTORIANO G.DRAPIZA
Victoriano is among the trainees who underwent training on Welding which to
him was a big opportunity for him to develop and acquire additional skills despite of his
disability which he got when he was five years old. It was his left foot which got deformed
being a Polio victim. This disability did not mar him in taking up Refrigeration and Aircon
for a period of one year but so unfortunate that he did not sustain these skills due to
financial limitations being unable to have the financial means to purchase his own tools,
which accordingly are so expensive which he claimed he cannot afford. With no tools of his
own, his interest decreased until he got into driving a tricycle which he learned from his
own father. With strong determination to earn an income for his family, he then learned to
drive, as well as make minor repairs on tricycles from his father who taught him these skills
of which he is very grateful because going to school to learn such would entail much
expenses which his family cannot afford at that time.

12. Testimonies/success stories
- VICTORIANO G.DRAPIZA
With Six children to support, he did not stop looking for more opportunities so that he
also engaged on farming to augment the income he gets from driving a tricycle. Determined to
earn more for his family, he took the opportunity to undergo the Training on Welding sponsored
by the Tubao Credit cooperative, thus, completed the Five-day training Program which was held
August 05,2013 to August 10,2013.Other Twenty Four persons with disabilities also attended the
training of which many of them were able to use the skills with Mr. Victoriano Drapiza, being
one of those who benefited much from it as he is able to increase his income by more or less
Eight Hundred pesos in a week time so that he claims he is so grateful that the Tubao Credit
Cooperative has provided such opportunity to him for it did not only earn him additional income
but also increased his feeling of worthiness since his disability was not an obstacle for him to
acquire additional skills. He is very proud that since he acquired the skill, he is able to make
repairs and improvement of tricycle parts easier and also is able to do welding of window drills.
The provision of the welding machine by the TCC was to him a great help and looks forward to
putting up a welding Machine Shop together with the other persons with disabilities who
underwent training.

13. Testimonies/success stories
- VICTORIANO G.DRAPIZA
With an increased income, he claims he is able to help his married children in in
augmenting the basic needs of his grandchildren .As a member of the Tubao
Credit Cooperative, he says he is so proud that TCC has given importance in
helping not only members of the cooperative but also non-members who were
later motivated to become members.

14. Testimonies/success stories

15. Testimonies/success stories
- Felicitas S. Paneda

16. Testimonies/success stories
- Felicitas S. Paneda

17. Testimonies/success stories
Kathleen Mae Jean V. Suñer
(Educational Assistance Grantee)
From An Educational Assistance Grantee
To A New Employee
Kathleen Mae Jean Suñer Soriano is one of the grantees for educational assistance of Tubao
Credit Cooperative. She is the 3rd child among the five children of Mr. and Mrs. Alex G. Suñer
who are both members of the cooperative. She took up Bachelor of Science in Computer
Science in 2008 at Don Mariano Marcos Memorial State University, Agoo, La Union. As a
student, Kathleen was a very diligent one. She had good grades every end of the semester.
However, she faced a very great challenge in her life when she needed to stop from going to
school due to pregnancy. As a policy of the Cooperative, the educational assistance grant
should have been terminated. However, for humanitarian reason, Kathleen was given
consideration especially because she was doing well in school before she stopped.

18. Testimonies/success stories
- Kathleen Mae Jean V. Suñer
Kathleen was so grateful for the opportunity given to her. The more that
she gave her best in her studies. The greatest challenge was to study while taking
care of her baby. She needed to work double time. Her being a mother was her
inspiration to pursue her dreams and to graduate. Despite her condition, she was
able to hurdle all her challenges. She finished her degree with flying colors last
March 2013. After graduation, she started to apply for a job in various institutions
including TCC. Incidentally, TCC is in need of a Clerk that time, so she was
considered for the job. As an employee, Kathleen is seen as a very promising one
possessing very good qualities like dedication and commitment to work,
willingness to learn and humility. She has also established good working
relationship with her co- employees.
For Kathleen, she will forever be grateful to Tubao Credit Cooperative.
She said that she will serve TCC and promised excellent service for the members
and with her co- employees.

19. Testimonies/success stories
Narcisa G. Lloren
Farmer

20. Testimonies/success stories
- Narcisa G. Lloren

21. Testimonies/success stories

22. TCC offered Livelihood
Training on Basket Weaving,
used straw is the material to
support Solid Waste
Management.