PSU Visits SACDECO Bayambang Branch

2,010 views
1,800 views

Published on

Cognate Seminar in Productivity and Entrepreneurship
PSU, Urdaneta City

Published in: Business
0 Comments
1 Like
Statistics
Notes
  • Be the first to comment

No Downloads
Views
Total views
2,010
On SlideShare
0
From Embeds
0
Number of Embeds
6
Actions
Shares
0
Downloads
18
Comments
0
Likes
1
Embeds 0
No embeds

No notes for slide
  • Bayambang Branch Office
  • PSU Visits SACDECO Bayambang Branch

    1. 1. STA. CRUZ SAVINGS AND DEVELOPMENT COOPERATIVES (SACDECO) By: MISS JOCELYN P. AVILA Ed. D. STUDENT Cognate: Seminar in Productivity andEntrepreneurs hip
    2. 2. What is COOPERATIVE?A group of VOLUNTARY individual with unified goal and knowledge inorder to attained its success which abides the law by giving its appropriate share and to enjoy its services and benefits.
    3. 3. PRINCIPLES OF COOPERATIVE Open and Voluntary Membership Member’s welfare through the principle of Democracy. Cooperation among members through giving share and using its services. Continuous education and training with all members. Affiliation with others. Responsive on the needs of the community. Ecology (environmental friendly).
    4. 4. Rights and Privilege of a Member Continuous giving of Share and Deposits. Availing of services. Attending meetings and other activities. Paying loans on time.
    5. 5. History of SACDECO  STA.CRUZ SAVINGS AND DEVELOPMENT COOPERATIVE  BORN ON DECEMBER 18, 1984  CONFIRMED BY CDA ON FEB.14, 1991  STA. CRUZ CREDIT COOPERATIVE
    6. 6.  49 BRGYS IN STA.CRUZ, IS 25 INCORPORATORS P5,000.00 AS CAPITAL 1 STAFF
    7. 7. MUTYA NG KOOPERATIBA, DEC. 1987 -P500,0000.000SACRIFICIAL MERIENDA, APRIL 1989 P300,000.00 Big BREAKS RAFFLE DRAW, JULY 1989 P400,000.00
    8. 8. CREDITSAVINGS DEPOSITS
    9. 9. GRANTS WERE GIVEN BY LDB & DTIthe Cooperative go to MULTI- PURPOSE thus renaming it the STA. CRUZ MULTI-PURPOSE COOPERATIVE (SCMPC) through the amended Articles of Cooperation and By-laws which was duly registered with the CDA on July 4, 1994.
    10. 10. SCMPC SACDECO MAY 22, 2006 SAVINGS Youth Tipid CREDITMovement SACDECO Mortuary Scholarship Aid Program Program
    11. 11. SACDECO Santa Cruz Savings &DevelopmentCooperative2nd Floor,Gabriel Bldg.M.H.Del Pilar Bayambang,Pangasinan
    12. 12. STA.CRUZ SAVINGS &DEVELOPMENT COOPERATIVE SACDECO27 Years in Business Operation
    13. 13. SUCCESS STORIES OF SACDECO TOP Coop, 2012 LDP Gawad Pitak Award Top Training Patrons, 2010 NATCO 4 th Place of the Top Coops in Region I, 2009 CDA Best Performing Coop Multi-Millionaire Coop
    14. 14.  1 s t  COOP ATM north of Manila.   It is also the 1 st  ATM in Sta. Cruz, Ilocos Sur. 1 st in the second district of Ilocos Sur to launch Gender Sensitivity Program, empowering women into leadership or
    15. 15.  HIGHEST PRIMARY COOP INVESTOR AT ISCB, TOP INVESTOR AT (NSCC) ONE OF THE TOP INVESTORS AT MSCB. HAVE PRODUCED THE PRESENT REPRESENTATIVE OF THE COOP-NATCCO PARTYLIST, CONG. JOSE R. PING-AY, AND THE CHAIRPERSON OF THE BOARD OF DIRECTORS
    16. 16. Before, AWARDSAND RECOGNITION Now, our efforts have been recognized bywere just a dream! various organizations. We have received various awards. SACDECO – then and now…
    17. 17. SACDECO – then andnow…
    18. 18. NATCCO Networ k National Agricultural COOP NATCCO Confederation of Guarantee Fund PARTY-LIST Cooperatives Pool Coop Life Mutual Nueva Segovia Metro South ASEAN Women in Benefit Services Consortium of Cooperative Bank Cooperative Cooperatives Development Forum Small Business Ilocos Sur Northern LuzonSACDECO – then and Cooperative Bank Corporation Federation of Cooperativenow… Development Center, Inc.
    19. 19. AREA OF OPERATION-4 PROVINCES and entire of Luzon. Now, it has 9 business offices (8 local and 1foreign).SACDECO – then andnow…
    20. 20. VISION,MISSION & GOALVISION: A one-stop shop capable and reliable Cooperative Financial Center and Gender Equality (GE) Champion in the Luzon.
    21. 21. VISION,MISSION & GOALMISSION:1.To provide quality financial services responsive to all members.2.To provide a Gender responsive environment in the implementation of other programs and services.
    22. 22. VISION,MISSION & GOALGOAL: To establish and implementvarious financial programsand products that areresponsive and accessible toall members in a gender fairenvironment.
    23. 23. COOPERATIVE PLEDGE As a Filipino I am and I believe in the Cooperative Alone I am weak, But with others I am strong So I commit myself to work To cooperate, for all to be prosperous. Harmony,industry I will value. Cooperative affairs I will attend, Responsibilities I will assume The cooperative philosophy I will live. One vision, One belief, One feeling, In cooperative, my life I pledge So help me God.
    24. 24. SAPATA TI KOOPERATIBA Ilokano Version Kas maysa a Pilipino Addaak ken mamatiak iti kooperatiba Nakapsutak no sisiak Ngem napigsaak no makikaduaak. Agkumitak ngarud a makitimpuyog Tapno ti amin nga kinarang-ay inda magun-od Panagtutunos ken kinasaldet ipategko Pasken ti kooperatiba innak isango Pagrebbengan sidadaanak mangibaklay Pilosopya ti kooperatiba ibiagko pay. Maysa nga sirmata,maysa nga panunot,maysa nga rikna Iti panagtitimpuyog,biagko innak isapata O Dios, tulungannak koma.
    25. 25. SACDECO OFFICES 1.Head Office – Poblacion Este,Sta.Cruz,Ilocos Sur 2.Santiago Branch – Santiago,Ilocos Sur 3.Santa Branch – Santa,Ilocos Sur 4.Bangar Branch – Bangar,La Union 5.Bacnotan Branch – Bacnotan,La Union 6.Villasis Branch – Villasis,Pangasinan 7.Asingan Branch – Asingan,Pangasinan 8.Bayambang Branch – Bayambang,Pangasinan 9.HONGKONG CHAPTER 10.San Jose City Branch – San Jose,NE.
    26. 26. To sum up for the rapid expansion and growth of SACDECO, the following are attributed: functional and thinking Board, technically and globally competent management and staff, operational compliance and adherence to the rules and regulations, increasing support by the general membership and strong linkages.SACDECO – then and now…
    27. 27. Management & Staff Bayambang Santa Asingan BangarSantiago Villasis SACDECO – then and now… Manageme nt & Staff Bacnotan Head Office
    28. 28. STA.CRUZ SAVINGS &DEVELOPMENT COOPERATIVE SACDECO (Bayambang Branch) Date Opened: January 10,201118 Months in Business Operation
    29. 29. CHARD
    30. 30. MANAGEMENT STAFF Eva B.Garnace-Borja – Chief Executive Officer Richard J.Javillonar – Branch Manager Rufo E.Gayda Jr. – Loan Officer Aileen P.Galleto – Bookkeeper Eleonora DV.Canoy – TellerReynald B.Palacpac – Account Officer/CIBI Appraiser
    31. 31. Bayambang Branch Office
    32. 32. PROGRAMSSACDECO – then and now…
    33. 33. SACDECO – then and now…
    34. 34. PROGRAMSMarital Benefit/Wedding Gift
    35. 35. SACDECO – then and now…
    36. 36. SACDECO – then and now…
    37. 37. SACDECO – then and now…
    38. 38. SACDECO – then and now…
    39. 39. TREE PLANTING Waste SegregationSACDECO – then and now…
    40. 40. Coastal Area Cleaning Community CleaningSACDECO – then and now…
    41. 41. Giving donations/relief goods to the victims who suffered from previous typhoons.SACDECO – then and now…
    42. 42. SACDECO – then and now…
    43. 43. SACDECO – then and now…
    44. 44. II. LENDING SERVICES SACDECO – then and now…
    45. 45. PERSONAL LOANS Abroad Loan
    46. 46. Car Loan (Personal)
    47. 47. SACDECO – then and now…
    48. 48. SACDECO – then and now…
    49. 49. SACDECO – then and now…
    50. 50. SACDECO – then and now…
    51. 51. SACDECO – then and now…
    52. 52. ALLIED SERVICESSACDECO – then and now…
    53. 53. CURRENT STATUS SACDECO as a Whole Net Incom0e (June 2012) 14.7M Total Loan Releases: Total Members:Total Assets: 32,369 : 549.14M 662.4M
    54. 54. Bayambang Branch Total Assets: 48.22 Million Total Members: 825 Members Releases as of July: 41.54 Million Net Income: 2.47 Million
    55. 55. Sta.Cruz Savings & Development Cooperative (SACDECO) Bayambang Branch PRE MEMBERSHIP EDUCATION SEMINAR (PMES) &WISE BORROWER SEMINAR (WBS)
    56. 56. PREMEMBERSHIPEDUCATION SEMINAR
    57. 57. How to become a Member? FOR REGULAR MEMBERS  Documentary Requirements >Barangay Clearance (Membership and Loan Purpose) >Picture (4 pieces 2x2) >Two (2) Valid ID’s (photocopy) >Residence Certificate (Cedula) >Marriage Certificate (for married indl.) >Birth Certificate (for single) Monetary Requirements 18 to 65 yrs.old 66 yrs.old and above >Minimum Share Capital 3,000 5,000 >Initial Savings Deposit 1,000 3,000 >Give Love & Delight (GLAD) Savings 800 800 >Health Savings Deposit 250 250 >Membership Fee 150 150 TOTAL 5,200.00 9,200.00
    58. 58. FOR YOUTH TIPID MOVEMENT (YTM) > 0 TO 17 years old > Minimum Savings Deposit – 500.00 > Membership Fee – 10.00 > Picture (2 pieces 2x2) > Picture of the Guardian > as of: 54 YTM Members
    59. 59. WISEBORROWER SEMINAR
    60. 60. WISE BORROWER SEMINAR A seminar given to member/borrower so they will know their duties and responsibilities as well as the guidelines in the lending program of cooperative.
    61. 61. WHY WBS?A member request only an amount he/she is capable to pay.Tells exactly the purpose of the loan.Awareness of the loan term and the due date of the loan.
    62. 62. Benefits Derived Requesting Loan from SACDECO: Patronage Refund Increase of Savings Deposit and Share Capital. Chance to look for a higher price of commodity produce. Use of DEPOSITS as collateral for a lower rate of interest.
    63. 63. INTEREST RATE & CHARGES 1.FULLY SECURED LOAN INTEREST RATE Interest 1.5% per month Service Fee 2.0% Filing Fee 1.0% LRP 1.0% (Loan Recovery Program) Collection Fee 0.5% Share Capital 3.0% 2.AGRICULTURAL LOAN INTEREST RATE Interest 1.75% per month Service Fee 2.0% Filing Fee 1.0% LRP 2.0% (Loan Recovery Program) Collection Fee 0.5% Share Capital 3.0%
    64. 64. INTEREST RATE & CHARGES 3.CLEAN LOAN INTEREST RATE Interest 2.0% per month Service Fee 2.0% Filing Fee 1.0% LRP 2.0% (Loan Recovery Program) Collection Fee 0.5% Share Capital 3.0% Note: Others charges and other deductions will only be deducted per loan availment.
    65. 65. INTEREST RATE & CHARGESExample: Loan 50,000 Term: 6 months Interest : 1.75% Loan Purpose: Palay Interest 5,250.00 (875 per month X 6) Service Fee 1,000.00 Filing Fee 500.00 LRP 1000.00 Collection Fee 250.00 Share Capital 1,500.00 Savings Deposit 100 Notarial Fee 400 Total Deductions 10,000.00 NET 40,000.00 Note: Others charges will only be deducted per loan availment.
    66. 66. Mode of Payment Weekly Bi-Monthly (15th & 30th) Monthly Quarterly SemiAnnual Lumpsum
    67. 67. Terms of Loan Maximum of 12 months for Abroad/Salary Loan (monthly and quarterly payments) Six (6) months for Agricultural (Lumpsum or Monthly payments) and Business loan – weekly or monthly payments * Maximum of 3 years for Real Estate Loan (Housing) – Monthly payments
    68. 68. Basis of Approval 5 C’s (Capacity Based Lending) 1.Capacity to pay (50%) 2.Character (30%) 3.Collateral (10%) 4.Condition (5%) 5.Capital (5%)
    69. 69. Member in Good Standing (MIGS) Share Capital - at least minimum paid up share capital of P 3, 000.00 Savings Deposit – at least P 1,000.00 maintaining balance. GLAD deposit – no arrears Loan- PAR 30 (Paying loans on time) Monthly additional share capital minimum of 50.00 on top of loan retention and required additional share capital every loan payment. Monthly additional savings deposit minimum of P 100.00 on top of loan retention. Attendance to General Assembly and ownership meeting.
    70. 70. Loan Requirement ChecklistReal Estate Mortgage - Original Title - Tax Declaration (Owner’s Copy/Certified Copy) - Certificate of Tax Payment for the year. (for the year 2012) - Vicinity Map/Sketch Plan - Certification from the Assessor Office. - Picture of the Collateral - Tax Idenfication Number (TIN)
    71. 71. Loan Requirement Checklist ChattelMortgage 1.Vehicles/Motorcycle - Original Cerficate of Registration & Official Receipt (OR/CR) - Picture of the Collateral. - Certification from the office of the Brgy.Captain 2.Farm Equipment and Appliances - Certification from the office of the Brgy.Captain - Picture of the Collateral. - Purchase Receipt (if available)
    72. 72. Loan Requirement Checklist OTHERS 1.For Employees - Latest payroll slip (3 MONTHS) 2.FOR ABROAD PURPOSES - Employment Contract and Visa are required. - Proof of Remittances 3.FOR BUSINESS PURPOSES -Business Permit (Mayor’s and Brgy.Permit) -DTI Permit -Business Plan/Project Proposal (for big business)
    73. 73. Loan Requirement Checklist OTHERS 4.For Crop Production - BARC or Certification from Brgy.Captain (Certifying the area of tillage) - Picture of the tillage.
    74. 74. THANK YOU AND GOD BLESS

    ×