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STA. CRUZ SAVINGS AND
      DEVELOPMENT COOPERATIVES
              (SACDECO)
                          By:
               MISS JOCELYN P. AVILA
                   Ed. D. STUDENT
     Cognate: Seminar in Productivity and
Entrepreneurs hip
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.
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).
Rights and Privilege of a Member

 Continuous   giving of Share and
  Deposits.
 Availing of services.

 Attending meetings and other
  activities.
 Paying loans on time.
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
 49  BRGYS IN
    STA.CRUZ, IS

   25 INCORPORATORS


   P5,000.00 AS CAPITAL

   1 STAFF
MUTYA NG KOOPERATIBA, DEC. 1987
          -P500,0000.000

SACRIFICIAL MERIENDA,
       APRIL 1989
      P300,000.00
                          Big BREAKS

 RAFFLE DRAW, JULY
   1989 P400,000.00
CREDIT




SAVINGS            DEPOSITS
GRANTS WERE
  GIVEN BY LDB &
               DTI
the 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.
SCMPC   SACDECO
              MAY 22, 2006


                SAVINGS

 Youth
  Tipid                         CREDIT
Movement
                SACDECO


  Mortuary                   Scholarship
     Aid                      Program
  Program
SACDECO
 Santa Cruz
  Savings &
Development
Cooperative
2nd Floor,Gabriel Bldg.M.H.Del Pilar
      Bayambang,Pangasinan
STA.CRUZ SAVINGS &
DEVELOPMENT COOPERATIVE

 SACDECO
27    Years in Business
       Operation
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
   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
   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
Before, AWARDS
AND RECOGNITION         Now, our efforts have
                         been recognized by
were just a dream!      various organizations.
                          We have received
                           various awards.




   SACDECO – then and
   now…
SACDECO – then and
now…
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 Luzon
SACDECO – then and Cooperative Bank
             Corporation                              Federation of
                                                      Cooperative
now…                                                  Development
                                                       Center, Inc.
AREA OF OPERATION
-4 PROVINCES and entire of Luzon. Now, it has 9 business
            offices (8 local and 1foreign).




SACDECO – then and
now…
VISION,MISSION & GOAL
VISION:
   A one-stop shop capable
 and reliable Cooperative
 Financial Center and
 Gender Equality (GE)
 Champion in the Luzon.
VISION,MISSION & GOAL
MISSION:
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.
VISION,MISSION & GOAL
GOAL:
  To establish and implement
various financial programs
and products that are
responsive and accessible to
all members in a gender fair
environment.
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.
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.
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.
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…
Management & Staff
                         Bayambang         Santa
            Asingan

                                                         Bangar


Santiago




                                                   Villasis
               SACDECO –
               then and
               now…      Manageme
                             nt & Staff



           Bacnotan
                             Head Office
STA.CRUZ SAVINGS &
DEVELOPMENT COOPERATIVE
 SACDECO (Bayambang
             Branch)
  Date Opened: January 10,2011


18      Months in Business
         Operation
CHARD
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 – Teller
Reynald B.Palacpac – Account Officer/CIBI
                  Appraiser
Bayambang Branch Office
PROGRAMS




SACDECO – then and now…
SACDECO – then and now…
PROGRAMS
Marital Benefit/Wedding Gift
SACDECO – then and now…
SACDECO – then and now…
SACDECO – then and now…
SACDECO – then and now…
TREE PLANTING




                   Waste Segregation




SACDECO – then and now…
Coastal Area Cleaning




                   Community Cleaning




SACDECO – then and now…
Giving donations/relief goods to the victims who
         suffered from previous typhoons.




SACDECO – then and now…
SACDECO – then and now…
SACDECO – then and now…
II. LENDING SERVICES




 SACDECO – then and
 now…
PERSONAL LOANS
   Abroad Loan
Car Loan (Personal)
SACDECO – then and now…
SACDECO – then and now…
SACDECO – then and now…
SACDECO – then and now…
SACDECO – then and now…
ALLIED SERVICES




SACDECO – then and now…
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
Bayambang Branch
 Total Assets:
     48.22 Million
 Total Members:
    825 Members
 Releases as of
  July: 41.54
  Million
 Net Income:
      2.47 Million
Sta.Cruz Savings &
  Development Cooperative
        (SACDECO)
     Bayambang Branch
   PRE MEMBERSHIP
  EDUCATION SEMINAR
        (PMES)
          &
WISE BORROWER SEMINAR
         (WBS)
PRE
MEMBERSHIP
EDUCATION
 SEMINAR
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
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
WISE
BORROWER
 SEMINAR
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.
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.
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.
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%
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.
INTEREST RATE & CHARGES

Example: 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.
Mode of Payment
 Weekly

 Bi-Monthly   (15th & 30th)
 Monthly

 Quarterly

 SemiAnnual
 Lumpsum
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
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%)
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.
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)
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)
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)
Loan Requirement Checklist

 OTHERS

   4.For Crop Production
     - BARC or Certification from
        Brgy.Captain (Certifying
        the area of tillage)
     - Picture of the tillage.
THANK YOU AND GOD BLESS

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SACDECO's Growth from Cooperative to Financial Center

  • 1. STA. CRUZ SAVINGS AND DEVELOPMENT COOPERATIVES (SACDECO) By: MISS JOCELYN P. AVILA Ed. D. STUDENT Cognate: Seminar in Productivity and Entrepreneurs hip
  • 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. 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. 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. 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.  49 BRGYS IN STA.CRUZ, IS  25 INCORPORATORS  P5,000.00 AS CAPITAL  1 STAFF
  • 7. MUTYA NG KOOPERATIBA, DEC. 1987 -P500,0000.000 SACRIFICIAL MERIENDA, APRIL 1989 P300,000.00 Big BREAKS RAFFLE DRAW, JULY 1989 P400,000.00
  • 8. CREDIT SAVINGS DEPOSITS
  • 9. GRANTS WERE GIVEN BY LDB & DTI the 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. SCMPC SACDECO MAY 22, 2006 SAVINGS Youth Tipid CREDIT Movement SACDECO Mortuary Scholarship Aid Program Program
  • 11.
  • 12. SACDECO Santa Cruz Savings & Development Cooperative 2nd Floor,Gabriel Bldg.M.H.Del Pilar Bayambang,Pangasinan
  • 13. STA.CRUZ SAVINGS & DEVELOPMENT COOPERATIVE SACDECO 27 Years in Business Operation
  • 14. 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
  • 15. 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
  • 16. 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
  • 17. Before, AWARDS AND RECOGNITION Now, our efforts have been recognized by were just a dream! various organizations. We have received various awards. SACDECO – then and now…
  • 18. SACDECO – then and now…
  • 19. 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 Luzon SACDECO – then and Cooperative Bank Corporation Federation of Cooperative now… Development Center, Inc.
  • 20. AREA OF OPERATION -4 PROVINCES and entire of Luzon. Now, it has 9 business offices (8 local and 1foreign). SACDECO – then and now…
  • 21. VISION,MISSION & GOAL VISION: A one-stop shop capable and reliable Cooperative Financial Center and Gender Equality (GE) Champion in the Luzon.
  • 22. VISION,MISSION & GOAL MISSION: 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.
  • 23. VISION,MISSION & GOAL GOAL: To establish and implement various financial programs and products that are responsive and accessible to all members in a gender fair environment.
  • 24. 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.
  • 25. 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.
  • 26. 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.
  • 27. 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…
  • 28. Management & Staff Bayambang Santa Asingan Bangar Santiago Villasis SACDECO – then and now… Manageme nt & Staff Bacnotan Head Office
  • 29. STA.CRUZ SAVINGS & DEVELOPMENT COOPERATIVE SACDECO (Bayambang Branch) Date Opened: January 10,2011 18 Months in Business Operation
  • 30. CHARD
  • 31. 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 – Teller Reynald B.Palacpac – Account Officer/CIBI Appraiser
  • 34. SACDECO – then and now…
  • 36. SACDECO – then and now…
  • 37. SACDECO – then and now…
  • 38. SACDECO – then and now…
  • 39. SACDECO – then and now…
  • 40. TREE PLANTING Waste Segregation SACDECO – then and now…
  • 41. Coastal Area Cleaning Community Cleaning SACDECO – then and now…
  • 42. Giving donations/relief goods to the victims who suffered from previous typhoons. SACDECO – then and now…
  • 43. SACDECO – then and now…
  • 44. SACDECO – then and now…
  • 45. II. LENDING SERVICES SACDECO – then and now…
  • 46. PERSONAL LOANS Abroad Loan
  • 48. SACDECO – then and now…
  • 49. SACDECO – then and now…
  • 50. SACDECO – then and now…
  • 51. SACDECO – then and now…
  • 52. SACDECO – then and now…
  • 53. ALLIED SERVICES SACDECO – then and now…
  • 54. 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
  • 55. Bayambang Branch  Total Assets: 48.22 Million  Total Members: 825 Members  Releases as of July: 41.54 Million  Net Income: 2.47 Million
  • 56. Sta.Cruz Savings & Development Cooperative (SACDECO) Bayambang Branch PRE MEMBERSHIP EDUCATION SEMINAR (PMES) & WISE BORROWER SEMINAR (WBS)
  • 58. 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
  • 59. 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
  • 61. 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.
  • 62. 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.
  • 63. 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.
  • 64. 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%
  • 65. 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.
  • 66. INTEREST RATE & CHARGES Example: 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.
  • 67. Mode of Payment  Weekly  Bi-Monthly (15th & 30th)  Monthly  Quarterly  SemiAnnual  Lumpsum
  • 68. 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
  • 69. 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%)
  • 70. 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.
  • 71. 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)
  • 72. 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)
  • 73. 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)
  • 74. Loan Requirement Checklist  OTHERS 4.For Crop Production - BARC or Certification from Brgy.Captain (Certifying the area of tillage) - Picture of the tillage.
  • 75.
  • 76. THANK YOU AND GOD BLESS

Editor's Notes

  1. Bayambang Branch Office