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COS( Cooperative
Orientation Seminar )
GETTING TO KNOW EACH OTHER
1. Pinagkakaabalahan sa araw-araw

2. Dahilan ng pagsali bilang kasapi ng TCMC
Ang inyong
lingkod:

Mr. Emmanuel
“Emman”
Enobejas
Training/Marketing Officer
Welcome to TCMC
Cooperative Orientation Seminar
Isang pagsasanay na ibinibigay at isinasagawa

para sa mga nagnanais na ...
KOOPERATIBA
Samahan ng mga tao, na may pinagbuklod na

hangarin, na nagbigay ng boluntaryong saping
puhunan batay sa kani...
Brief History
“TCMC has 49
years of
colorful and
rich history”
Brief History

TCMC was established on February 13, 1965 by fifteen
(15) parishioners and was first known as Tayabas
Commu...
Areas of Operation

City of Tayabas

Candelaria,
Quezon
Gumaca, Quezon

Pagsanjan, Laguna
TCMC Head Office:
Quezon Ave.
Brgy. San Roque Zone-2
Tayabas City
TCMC Gumaca Branch:
 Address: Tanada cor. ML
Quezon St.
Brgy. San Diego, Gumaca,
Quezon
 Services : Savings & Time
Depos...
TCMC Candelaria Branch
Address: Bustamante
St. Poblacion,
Candelaria, Quezon
Services : Savings &
Time Deposit,
Collater...
October 15, 2012
TCMC expand services by opening
new branch at Pagsanjan,
Laguna
Growth Indicators
•
•
•
•
•
•

Total Assets
Total Share Capital
Deposit Liability
Gross revenue
Net Surplus
Membership
Total Assets (December 2012)

Php 310, 797, 084.95
Share Capital (December 2012)

Php. 100,461,235.10
Deposit Liability (Dec. 2012)

Php 159,716,820.71
Gross Revenue (Dec. 2012)

Php 43,442,757.23
Net Surplus (2012)

Php 12,829,191.41
Membership (November 2013)

6,667+…
Alituntunin sa pagpapautang
1. Ang mga patakaran sa pagpapautang ay kasalukuyang sumasaklaw sa
lahat ng mga kasapi ng TCMC...
2. Proseso ng Pagpapautang
a. Filing of Loan Application
b. Character and Background Investigation /Appraisal
c. Loan Appr...
Credit and Background Investigation/Collateral appraisal

Ang credit investigator ay pupunta
sa bahay ng aplikante at mga
...
Filing of Loan Application

Ang “application form” ay
isusumite sa Loan Officer
kasama ang lahat ng
dokumento na kailangan...
Loan Evaluation

Ang lahat ng applikasyon sa
pag-utang ay dadaan sa
pagsusuri ng loan
officer/manager/Credit
Committee/Lup...
Loan Release
Ang lahat ng uri ng utang ay kailangang aprubado ng Manager, ng Credit
Committee, o Lupon ng patnugutan o ali...
Loan Collection and Monitoring

Ang pagbabayad ay sa teller/field
collector at ito ay sinusubaybayan ng
Collection Departm...
3. Loan Protection Plan
• Insurance ng ating mga utang
•Hindi na kailangang bayaran ng mga naiwanan ang utang ng
isang yum...
4. Mga Kabawasan sa Utang

• Filing Fee
•Service Fee
•Loan Protection Plan
• Halagang ibinabalik sa Share Capital
5. Paraan ng Pagbabayad

• Daily
•Weekly
•Semi-Monthly
•Monthly
•Quarterly
•Semi-Annually
•Annual Payment
•Lump sum Paymen...
1. Regular Loan
•

regular na loan na kadalasang ina-avail ng
mga kasapi.
Basehan ng Regular Loan = Share Capital
Item

A

B

C

Fixed Deposit

1,000.00

2,000.00

3,000.00

Benefits and
Other
Pay...
Halaga ng Mauutang (min. 2,000 / max. 6,000)
Options Paliwanag
1

x 2 ng
shared
capital ang
hihiramin

B

Kasinghalag
a ng...
Pagbabayad

(Back to Regular Loan)
Termino

Unang
Beses ng
Regular
Loan

2,000 - 7 mos.
4,000 - 7-12 mos.
6,000 - 7-12 mos...
at kung…

Termino

Ikalawan
g Beses
na
Regular
Loan

Remarks

Depende Puwedeng
sa halaga magna
advance
hihiramin

Puwedeng...
Familiarized the Due Date
Halimbawa:
Release date – 09/25 Terms: 7 mos.
10/25 | 11/20 | 12/20 | 01/15 | 02/15 | 03/3 | 04/...
Mga Kabayaran sa Unang Beses na Pag-utang

Take-out
P 2,000.00
Service Fee

2%

=

Filing Fee

1%

=

20.00

=

7.00

=

4...
Monthly
Payments – 2,000/ 7
mos. Loan Bal. Loan
Share
Months
Interest
(Regular)

Capital(FD)

Total

2,000.00
1

1,714.00
...
Take-out
P 4,000.00
Service Fee

2%

=

Filing Fee

1%

=

40.00

=

14.00

=

80.00

LPP
F.D. (CBU)
Total
Net Proceed

2%...
Monthly Payments – 4,000/ 7 mos
Months

Loan Bal.

Loan

Interest

Share
Capital(FD)

Total

4,000.00
1

3,429.00

571.00
...
Monthly Payments – 4,000/ 12 mos
Months

Loan Bal.

Loan

Interest

Share
Capital(FD)

Total

4,000.00
1

5,500.00

333.00...
Take-out
P 6,000.00
Service Fee

2%

=

Filing Fee

1%

=

60.00

=

36.00

=

120.00

LPP
F.D. (CBU)
Total
Net Proceed

2...
Monthly (Regular) Payments – 6,000/ 7 mos
Months

Loan Bal.

Loan

Interest

Share
Capital(FD)

Total

6,000.00
1

5,143.0...
Monthly (Uniformed) Payments – 6,000/ 7 mos
Months

Loan Bal.

Loan

Interest

Share
Capital(FD)

Total

6,000.00
1

5,143...
Monthly Payments – 6,000/ 12 mos
Months

Loan Bal.

Loan

Interest

Share
Capital(FD)

Total

6,000.00
1

5,500.00

500.00...
2. Special Loan
•

Dagdag puhunan
sa negosyo ng
kalakalan at
pagawaan ng mga
proyekto.(25k to
750k)

(7 Months Member 1.5%...
3. Collateral Loan
•

Serbisyong
pautang na may
sanla.(up to 2M)

Members/Non-Members can Avail
2%/Month Interest
4. Appliance /Furniture
or Agricultural
Equipment Loan
•

Pautang sa
pansariling
kagamitang
pambahay o
panghanapbuhay

•

...
5. Instant Loan
Instant Regular
• Kasinghalaga ng
saping puhunan
•

w/in 15minutes
released

•

Walang co-maker

•

May in...
Instant Emergency
• Pautang sa
pangkagipitan
• (up to 20k)

(7 Months Member 1.5%/Mos. Int. 12 Months to pay
Housing Assistance Loan
• Para sa
pagpapatayo/
pagpapaayos ng
bahay
• up to 50k worth
of construction
materials

(1 year M...
Instant Educational
•

Pang matrikula para
sa mga kasaping may
mag-aaral

•

(up to 20k to 30k)

(2 years member 1.5%/Mos....
For public/private Regular Employees;
At least 1 year member.
w/at least 3thousand Share capital.
w/out delayed paymen...
7. Agricultural Loan

Hog fattening/feeds
P2000/Piglets & 4,000 /feeds
(7 Months Member 4 Months
lump-sum payment

Hati sa...
Feeds Loan
up to 50k depending
on the share
capital

(7 Months Member 1.5%/Mos. Int. 4 Months
lump-sum payment
Palay Production
(up to 20k worth of fertilizer and pesticide)

(7 Months Member 1.5%/Mos. Int. 6 Months lump-sum payment
8. Commodity Loan
•

Para sa kasaping
MIGS, may-ari ng
tindahan o walang
tindahan

•

Walang interest na
babayaran(1560day...
9. Petty Cash Loan
•

Maliit na
halaga para sa
panandaliang
pangangailang
an

(7 Months Member 2%/Mos. Int. 2 Months to pa...
10. Money Shop Loan
•

Pautang sa mga
kasaping may
pinagkakakitaa
n araw-araw

•

Advance 2% sa
pagrelease ng
loan

1 year...
11. SM Credit Card Metro at Gaisano
Credit Card

2 years member 5k credit
limit/Mos, with no Interest 2
Months to pay
12. Motorcycle Loan
•

•
•

•

•

•

Maximum Loan of Php
80,000.00
11% interest per annum
36 months to pay add-on
straight...
13. House Improvement Loan
•

•

•
•

Maximum Loan of Php
300,000.00
11% interest per
annum
straight-add-on
7 years to pay...
14. Residential Lot Purchased Loan
•

•

•
•

•

Maximum Loan of Php
500,000.00
11% interest per
annum straight-add-on
10 ...
16. Multipurpose Loan
•

•

•

•

Members of 3 Years in
Good Standing
Maximum Loan of Php
200,000.00
1.5% interest per mon...
15. Pension Loan
•

•

•
•

Maximum Loan of Php
20,000.00
2% interest per month
diminishing
2 years to pay
Members and Non...
Financial Services

Banking

MICOOP
1. Regular Savings Deposits/ATM
150.00 – ATM Card
300.00 – Opening balance
.5% Interests per annum
(compared to .25% of co...
2. Special Savings or Time Deposit

Term :

30 days

Note :

No Withholding Tax Deduction
Western Union Money Transfer

GPRS Business Center
Trading Businesses

Consumer Store

Hardware tie ups

Appliance Center

Hollow Block Production
Agri-Based Business

Rice Mill

Hog Breeding Farm

Agri-Center/Store

Palay Drying Facility

Palay Trading
Other Businesses & Services

Health Care Services

Pharmacy and Gift Shop
Other Businesses & Services

ATM Service

Function Hall
Other Businesses & Services

Transport Services
Becoming a Member
Requirements:
1. 18-60 years old
2. Medical Certificate (for 50 years
old and above)
3. With source of income
4. Photocopy of birth
certificate
5. Barangay clearance
6. Resides in any part of Luzon
7. With good health/Able to
contact
8. Attended the Cooperative
Orientation Seminar (COS)
9. Passed the Character and
Background Investigation
10. Decided upon by the Board of Directors
A
SHARE CAPITAL

B

C

P1000.00

P2000.00

P3000.00

DAMAYAN

500.00

500.00

500.00

MEMBERSHIP
FEE
HEALTH CARE

100.00

...
A
SHARE
CAPITAL
MEMBERSHIP
FEE
PASSBOOK
HALAGANG DAPAT
NA ILAGAK

P1000.00

B

C

P2000.00

100.00

100.00

P3000.00
100.0...
A
SHARE
CAPITAL
MEMBERSHIP
FEE
PASSBOOK

ATM Savings
HALAGANG DAPAT
NA ILAGAK

P1000.00

B

C

P2000.00

100.00

100.00

P...
Matapos maisumiti ang mga kinakailangang papeles ay mag-iipon ang
aplikante ng sapat na Fixed Deposit para sa napiling opt...
Benefits of Becoming a Member:
1. Damayan
2. Gintong Damayan (Insurance)
3. Unlimitted & Free Medical Consultation/Medical...
Damayan
Kung ang kasapi ay nakatupad sa lahat ng
alituntunin ng Damayan:

Deduction of 1.5 % for other expenses made in the transa...
Mga Basehan Para sa 100% na Damayan
Benefits:
1. Pondong Pandamay

No Compensation for those who are
zero balance
2. Hindi...
Reminder Letter
Pinapadalhan ng
sulat ang mga
kasapi na may
mababang halaga
ng Damayan
2. Gintong Damayan
Unlimited & Free Medical Consultation
Ang TCMC ay nagbibigay
ng libreng konsultasyon
sa mga kasapi at sa
dalawang(2) tao, ...
Executive Check-up/other Medical Exam
Ang TCMC ay nagbibigay ng
Executive Check-up sa mga
kasaping MIGS na may edad
na 40 ...
Damay-Pangkalusugan
Layunin ng benepisyong ito
na matulungan ang mga
kasapi sa panahon ng
biglaang pagpapagamot
(P500 kada...
Tulong Paaral sa Kolehiyo
Makakatanggap ng
allowance (Php 1,000.00) at
(Php 4,000.00) karagdagang
pang-tuition ang mga ana...
Dagdag Baon
Layunin ng benepisyong ito
ang makapagbigay ng
Php 250.00 karagdagang
baon buwan-buwan sa mga
mag-aaral ng pam...
8. Birthday Gift
Tatanggap ng “Gift
Check” na may halagang
Php 250.00/500.00 ang
bawat kasaping may
kaarawan at may maayos...
Interests sa Saping Puhunan
Dibidendo
Ang lahat ng kasapi
ng TCMC ay
nakikibahagi sa
lahat kita na
nagmumula sa
operasyon ng lahat
ng negosyo ay
serbi...
Libreng Pagsasanay
Ang TCMC ay
nagbibigay ng
ibat-ibang klaseng
pagsasanay sa
mga kasapi.
(Free livelihood training
semina...
Rebates sa TCMC Consumer Store at
Agri-Center

Nakakatanggap ng balik-tangkilik ang mga kasapi ng TCMC sa tuwing mamimili
...
Discounts sa Selected TCMC Services
Nagbibigay ng
diskuwento ang
TCMC sa mga
piling negosyo
at serbisyo tulad
ng transport...
Mga Pa-Raffle
Christmas Gifts and other Give Aways
Umbrella

Handbag

Grocery Bag
Sandigan
Contact Numbers :
• Training and Marketing Dept.
Tel. Nos.: (042) 793-2873

• Emmanuel Enobejas
Training/Marketing Officer...
Question and
Answer
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Cooperative Orientation Seminar Presentation

  1. 1. COS( Cooperative Orientation Seminar )
  2. 2. GETTING TO KNOW EACH OTHER
  3. 3. 1. Pinagkakaabalahan sa araw-araw 2. Dahilan ng pagsali bilang kasapi ng TCMC
  4. 4. Ang inyong lingkod: Mr. Emmanuel “Emman” Enobejas Training/Marketing Officer
  5. 5. Welcome to TCMC Cooperative Orientation Seminar Isang pagsasanay na ibinibigay at isinasagawa para sa mga nagnanais na maging bagong kasapi ng ating kooperatiba upang maipaunawa ang layunin at mga biyaya at benepisyong natatamo ng mga nagiging ganap na miyembro.
  6. 6. KOOPERATIBA Samahan ng mga tao, na may pinagbuklod na hangarin, na nagbigay ng boluntaryong saping puhunan batay sa kanilang kakayanan sa pananalapi upang matamo ang mga nararapat na serbisyo at produkto na tinatanggap ng mga miyembro o kamay-ari batay sa pandaigdigang simulain ng kooperatiba.
  7. 7. Brief History “TCMC has 49 years of colorful and rich history”
  8. 8. Brief History TCMC was established on February 13, 1965 by fifteen (15) parishioners and was first known as Tayabas Community Credit Union, Inc. (T.A.C.C.U.I.) TACCUI was registered at the Cooperative Development Office on July 4, 1965 with shared capital of Php 150.00 and a membership of twentyfive (25) individuals on the 25th of August 1976, the cooperative changed its name from TACCUI to Tayabas Community Credit Cooperative, Inc. (T.C.C.C.I.). 1988-1989 “Golden Year of TCMC” On 7th May 1994, the cooperative changed its name again from TCCCI to Tayabas Community MultiPurpose Cooperative (T.C.M.C.)
  9. 9. Areas of Operation City of Tayabas Candelaria, Quezon Gumaca, Quezon Pagsanjan, Laguna
  10. 10. TCMC Head Office: Quezon Ave. Brgy. San Roque Zone-2 Tayabas City
  11. 11. TCMC Gumaca Branch:  Address: Tanada cor. ML Quezon St. Brgy. San Diego, Gumaca, Quezon  Services : Savings & Time Deposit, Collateral loan, Microfinance loan, and other loan products October 6, 2007 TCMC Gumaca Branch and has its extension office at Lopez, Quezon
  12. 12. TCMC Candelaria Branch Address: Bustamante St. Poblacion, Candelaria, Quezon Services : Savings & Time Deposit, Collateral loan and Microfinance loan December 12, 2009 TCMC Candelaria Branch
  13. 13. October 15, 2012 TCMC expand services by opening new branch at Pagsanjan, Laguna
  14. 14. Growth Indicators • • • • • • Total Assets Total Share Capital Deposit Liability Gross revenue Net Surplus Membership
  15. 15. Total Assets (December 2012) Php 310, 797, 084.95
  16. 16. Share Capital (December 2012) Php. 100,461,235.10
  17. 17. Deposit Liability (Dec. 2012) Php 159,716,820.71
  18. 18. Gross Revenue (Dec. 2012) Php 43,442,757.23
  19. 19. Net Surplus (2012) Php 12,829,191.41
  20. 20. Membership (November 2013) 6,667+…
  21. 21. Alituntunin sa pagpapautang 1. Ang mga patakaran sa pagpapautang ay kasalukuyang sumasaklaw sa lahat ng mga kasapi ng TCMC. 2. Ito ay naaayon sa itatadhana ng Saligang Batas ng Samahan,mga Pinagtibay na kapasayahan at mga Alituntuning Panloob na siyang pinatutupad sa tanggapan. 3. Ito ay bukas sa anumang pagsusug at pagbabago para sa isang magandang serbisyo. Isa sa pinakamahalagang pamantayan sa Pagpapautang ng TCMC Capacity Base Lending o Kakayahan / kapasidad sa pagbabayad.
  22. 22. 2. Proseso ng Pagpapautang a. Filing of Loan Application b. Character and Background Investigation /Appraisal c. Loan Approval and Processing d. Loan Release e. Loan Collection
  23. 23. Credit and Background Investigation/Collateral appraisal Ang credit investigator ay pupunta sa bahay ng aplikante at mga ka-ako upang malaman kung totoo ang inilagay na mga impormasyon gamit ang mga pormularyo sa pag-iimbistiga
  24. 24. Filing of Loan Application Ang “application form” ay isusumite sa Loan Officer kasama ang lahat ng dokumento na kailangan sa pag-utang
  25. 25. Loan Evaluation Ang lahat ng applikasyon sa pag-utang ay dadaan sa pagsusuri ng loan officer/manager/Credit Committee/Lupon ng Patnugutan para aprubahan o hindi batay sa mga umiiral na patakaran ng pagpapautang.
  26. 26. Loan Release Ang lahat ng uri ng utang ay kailangang aprubado ng Manager, ng Credit Committee, o Lupon ng patnugutan o alin man sa mga ito na may kapangyarihang mag-apruba ng mga nasabing utang
  27. 27. Loan Collection and Monitoring Ang pagbabayad ay sa teller/field collector at ito ay sinusubaybayan ng Collection Department. Ang pagbabayad ay maaring arawan, lingguhan, buwanan, quarterly o semianually depended sa klase ng pautang
  28. 28. 3. Loan Protection Plan • Insurance ng ating mga utang •Hindi na kailangang bayaran ng mga naiwanan ang utang ng isang yumaong kasapi
  29. 29. 4. Mga Kabawasan sa Utang • Filing Fee •Service Fee •Loan Protection Plan • Halagang ibinabalik sa Share Capital
  30. 30. 5. Paraan ng Pagbabayad • Daily •Weekly •Semi-Monthly •Monthly •Quarterly •Semi-Annually •Annual Payment •Lump sum Payment
  31. 31. 1. Regular Loan • regular na loan na kadalasang ina-avail ng mga kasapi.
  32. 32. Basehan ng Regular Loan = Share Capital Item A B C Fixed Deposit 1,000.00 2,000.00 3,000.00 Benefits and Other Payments 1,380.00 1,380.00 1,380.00 Total 2,380.00 3,380.00 4,380.00 “One-time payment” lamang
  33. 33. Halaga ng Mauutang (min. 2,000 / max. 6,000) Options Paliwanag 1 x 2 ng shared capital ang hihiramin B Kasinghalag a ng Shared Capital ang hihiramin 2 A C Remarks 2,000.00 3,000.00 Walang Co-Maker 1,000.00 2,000.00 3,000.00 X2 X2 X2 May CoMaker 2,000.00 4,000.00 6,000.00
  34. 34. Pagbabayad (Back to Regular Loan) Termino Unang Beses ng Regular Loan 2,000 - 7 mos. 4,000 - 7-12 mos. 6,000 - 7-12 mos. Remarks Hindi puwedeng magadvance payment
  35. 35. at kung… Termino Ikalawan g Beses na Regular Loan Remarks Depende Puwedeng sa halaga magna advance hihiramin Puwedeng Mag-renew
  36. 36. Familiarized the Due Date Halimbawa: Release date – 09/25 Terms: 7 mos. 10/25 | 11/20 | 12/20 | 01/15 | 02/15 | 03/3 | 04/3 1 bayad 2 3 bayad bayad 4 bayad 5 6 bayad bayad 7 bayad
  37. 37. Mga Kabayaran sa Unang Beses na Pag-utang Take-out P 2,000.00 Service Fee 2% = Filing Fee 1% = 20.00 = 7.00 = 40.00 LPP F.D. (CBU) Total Net Proceed 2% P 40.00 107.00 P 1,893.00
  38. 38. Monthly Payments – 2,000/ 7 mos. Loan Bal. Loan Share Months Interest (Regular) Capital(FD) Total 2,000.00 1 1,714.00 286.00 40.00 2 1,428.00 286.00 34.00 20.00 340.00 3 1,142.00 286.00 29.00 20.00 335.00 4 856.00 286.00 23.00 20.00 329.00 5 570.00 286.00 17.00 20.00 323.00 6 284.00 286.00 11.00 20.00 317.00 7 0 286.00 6.00 20.00 310.00 2,000.00 160.00 120.00 2,380.00 TOTAL 326.00
  39. 39. Take-out P 4,000.00 Service Fee 2% = Filing Fee 1% = 40.00 = 14.00 = 80.00 LPP F.D. (CBU) Total Net Proceed 2% P 80.00 214.00 P 3,786.00
  40. 40. Monthly Payments – 4,000/ 7 mos Months Loan Bal. Loan Interest Share Capital(FD) Total 4,000.00 1 3,429.00 571.00 80.00 651.00 2 2,858.00 571.00 69.00 20.00 660.00 3 2,287.00 571.00 57.00 20.00 648.00 4 1,716.00 571.00 46.00 20.00 637.00 5 1,145.00 571.00 34.00 20.00 625.00 6 574.00 571.00 23.00 20.00 614.00 7 0 571.00 11.00 20.00 605.00 Total 4,000.00 320.00 120.00 4,440.00
  41. 41. Monthly Payments – 4,000/ 12 mos Months Loan Bal. Loan Interest Share Capital(FD) Total 4,000.00 1 5,500.00 333.00 80.00 413.00 2 5,000.00 333.00 73.00 20.00 426.00 3 4,500.00 333.00 67.00 20.00 420.00 4 4,000.00 333.00 60.00 20.00 413.00 5 3,500.00 333.00 53.00 20.00 406.00 6 3,000.00 333.00 47.00 20.00 400.00 7 2,500.00 333.00 40.00 20.00 393.00 8 2,000.00 333.00 33.00 20.00 386.00 9 1,500.00 333.00 27.00 20.00 380.00 10 1,000.00 333.00 20.00 20.00 373.00 11 500.00 333.00 13.00 20.00 386.00 12 0 337.00 7.00 20.00 364.00 Total 4,000.00 520.00 220.00 4,740.00
  42. 42. Take-out P 6,000.00 Service Fee 2% = Filing Fee 1% = 60.00 = 36.00 = 120.00 LPP F.D. (CBU) Total Net Proceed 2% P 120.00 336.00 P 5,664.00
  43. 43. Monthly (Regular) Payments – 6,000/ 7 mos Months Loan Bal. Loan Interest Share Capital(FD) Total 6,000.00 1 5,143.00 857.00 120.00 977.00 2 4,286.00 857.00 103.00 20.00 980.00 3 3,429.00 857.00 86.00 20.00 963.00 4 2,572.00 857.00 69.00 20.00 946.00 5 1,715.00 857.00 51.00 20.00 928.00 6 858.00 857.00 34.00 20.00 911.00 7 0 857.00 17.00 20.00 895.00 Total 6,000.00 480.00 120.00 6,600.00
  44. 44. Monthly (Uniformed) Payments – 6,000/ 7 mos Months Loan Bal. Loan Interest Share Capital(FD) Total 6,000.00 1 5,143.00 857.00 120.00 977.00 2 4,286.00 857.00 103.00 17.00 977.00 3 3,429.00 857.00 86.00 34.00 977.00 4 2,572.00 857.00 69.00 51.00 977.00 5 1,715.00 857.00 51.00 69.00 977.00 6 858.00 857.00 34.00 86.00 977.00 7 0 857.00 17.00 102.00 977.00 Total 6,000.00 480.00 359.00 6,839.00
  45. 45. Monthly Payments – 6,000/ 12 mos Months Loan Bal. Loan Interest Share Capital(FD) Total 6,000.00 1 5,500.00 500.00 120.00 620.00 2 5,000.00 500.00 110.00 20.00 630.00 3 4,500.00 500.00 100.00 20.00 620.00 4 4,000.00 500.00 90.00 20.00 610.00 5 3,500.00 500.00 80.00 20.00 600.00 6 3,000.00 500.00 70.00 20.00 590.00 7 2,500.00 500.00 60.00 20.00 580.00 8 2,000.00 500.00 50.00 20.00 570.00 9 1,500.00 500.00 40.00 20.00 560.00 10 1,000.00 500.00 30.00 20.00 550.00 11 500.00 500.00 20.00 20.00 540.00 12 0 500.00 10.00 20.00 530.00 Total 6,000.00 780.00 220.00 7,000.00
  46. 46. 2. Special Loan • Dagdag puhunan sa negosyo ng kalakalan at pagawaan ng mga proyekto.(25k to 750k) (7 Months Member 1.5%/Mos. Int.
  47. 47. 3. Collateral Loan • Serbisyong pautang na may sanla.(up to 2M) Members/Non-Members can Avail 2%/Month Interest
  48. 48. 4. Appliance /Furniture or Agricultural Equipment Loan • Pautang sa pansariling kagamitang pambahay o panghanapbuhay • Para sa mga magsasaka na nais bumili ng makabagong Tie-ups: Narvaez, Neswood Furniture, Daxell, Rein and makinarya Reiny, Garylyn, Your Choice, and Alpanet Computers. Up to 50k (7 Months Member 2%/Mos. Int. up to 15 Months to pay
  49. 49. 5. Instant Loan Instant Regular • Kasinghalaga ng saping puhunan • w/in 15minutes released • Walang co-maker • May interest na 1.5% bawat buwan or 1% kung below 80% ng share and loan applied Nota: Hindi maaaring i-avail kasabay sa regular loan.
  50. 50. Instant Emergency • Pautang sa pangkagipitan • (up to 20k) (7 Months Member 1.5%/Mos. Int. 12 Months to pay
  51. 51. Housing Assistance Loan • Para sa pagpapatayo/ pagpapaayos ng bahay • up to 50k worth of construction materials (1 year Member payment terms; same as regular loan
  52. 52. Instant Educational • Pang matrikula para sa mga kasaping may mag-aaral • (up to 20k to 30k) (2 years member 1.5%/Mos. Int. 12 Months to pay
  53. 53. For public/private Regular Employees; At least 1 year member. w/at least 3thousand Share capital. w/out delayed payment of not more than 30days  within 1 year membership prior to the application of loan. w/co-maker/qualified TCMC member. The member can avail the amount of two months salary but not to exceed to P 100,000.00
  54. 54. 7. Agricultural Loan Hog fattening/feeds P2000/Piglets & 4,000 /feeds (7 Months Member 4 Months lump-sum payment Hati sa tubo matapos alisin ang mga nagastos sa biik, pagkain at mga gamot
  55. 55. Feeds Loan up to 50k depending on the share capital (7 Months Member 1.5%/Mos. Int. 4 Months lump-sum payment
  56. 56. Palay Production (up to 20k worth of fertilizer and pesticide) (7 Months Member 1.5%/Mos. Int. 6 Months lump-sum payment
  57. 57. 8. Commodity Loan • Para sa kasaping MIGS, may-ari ng tindahan o walang tindahan • Walang interest na babayaran(1560days) (7 Months Member Can be availed with the ff: Hardware Products Consumer goods Pharmacy products Appliances School/Office Supplies
  58. 58. 9. Petty Cash Loan • Maliit na halaga para sa panandaliang pangangailang an (7 Months Member 2%/Mos. Int. 2 Months to pay
  59. 59. 10. Money Shop Loan • Pautang sa mga kasaping may pinagkakakitaa n araw-araw • Advance 2% sa pagrelease ng loan 1 year member up to 5k, 2%/Mos. Advance Int. 2 Months to pay 2 years member up to 10k, 2%/Mos. Advance Int. 3 Months to pay
  60. 60. 11. SM Credit Card Metro at Gaisano Credit Card 2 years member 5k credit limit/Mos, with no Interest 2 Months to pay
  61. 61. 12. Motorcycle Loan • • • • • • Maximum Loan of Php 80,000.00 11% interest per annum 36 months to pay add-on straight 3 years A1+ qualified members can avail this loan TCMC will pay the motorcycle in the name of the borrower Chattel mortgage including the improvements of the vehicle
  62. 62. 13. House Improvement Loan • • • • Maximum Loan of Php 300,000.00 11% interest per annum straight-add-on 7 years to pay 3 years A1+ qualified members can avail this loan
  63. 63. 14. Residential Lot Purchased Loan • • • • • Maximum Loan of Php 500,000.00 11% interest per annum straight-add-on 10 years to pay For rigid appraisal of the lot 3 years A1+ qualified members can avail the loan
  64. 64. 16. Multipurpose Loan • • • • Members of 3 Years in Good Standing Maximum Loan of Php 200,000.00 1.5% interest per month diminishing 24 Mos-60 Mos to pay
  65. 65. 15. Pension Loan • • • • Maximum Loan of Php 20,000.00 2% interest per month diminishing 2 years to pay Members and Nonmembers can avail this loan
  66. 66. Financial Services Banking MICOOP
  67. 67. 1. Regular Savings Deposits/ATM 150.00 – ATM Card 300.00 – Opening balance .5% Interests per annum (compared to .25% of commercial banks)
  68. 68. 2. Special Savings or Time Deposit Term : 30 days Note : No Withholding Tax Deduction
  69. 69. Western Union Money Transfer GPRS Business Center
  70. 70. Trading Businesses Consumer Store Hardware tie ups Appliance Center Hollow Block Production
  71. 71. Agri-Based Business Rice Mill Hog Breeding Farm Agri-Center/Store Palay Drying Facility Palay Trading
  72. 72. Other Businesses & Services Health Care Services Pharmacy and Gift Shop
  73. 73. Other Businesses & Services ATM Service Function Hall
  74. 74. Other Businesses & Services Transport Services
  75. 75. Becoming a Member
  76. 76. Requirements: 1. 18-60 years old
  77. 77. 2. Medical Certificate (for 50 years old and above)
  78. 78. 3. With source of income
  79. 79. 4. Photocopy of birth certificate
  80. 80. 5. Barangay clearance
  81. 81. 6. Resides in any part of Luzon
  82. 82. 7. With good health/Able to contact
  83. 83. 8. Attended the Cooperative Orientation Seminar (COS)
  84. 84. 9. Passed the Character and Background Investigation
  85. 85. 10. Decided upon by the Board of Directors
  86. 86. A SHARE CAPITAL B C P1000.00 P2000.00 P3000.00 DAMAYAN 500.00 500.00 500.00 MEMBERSHIP FEE HEALTH CARE 100.00 100.00 100.00 100.00 100.00 100.00 30.00 30.00 30.00 200.00 200.00 200.00 450.00 450.00 450.00 PASSBOOK DAMAY PANGKALUSUG AN ATM SAVINGS ACCOUNT DAPAT ILAGAK P2,380.0 P3,380.0 P4,380.00 0 0
  87. 87. A SHARE CAPITAL MEMBERSHIP FEE PASSBOOK HALAGANG DAPAT NA ILAGAK P1000.00 B C P2000.00 100.00 100.00 P3000.00 100.00 30.00 30.00 30.00 P1,130.00 P2,130.00 P3,130.0 0 *SA UNANG PAUTANG(REGULAR LOAN) BABAWASIN ANG DAMAYAN FUND (500)HEALTHCARE(100), DAMAY PANGKALUSUGAN(200)AT ATM SAVINGS (450).
  88. 88. A SHARE CAPITAL MEMBERSHIP FEE PASSBOOK ATM Savings HALAGANG DAPAT NA ILAGAK P1000.00 B C P2000.00 100.00 100.00 P3000.00 100.00 30.00 30.00 30.00 450.00 450.00 450.00 P1,580.00 P2,580.00 P3,580.0 00 *Walang benipisyong matatanggap malibang makapagbayad ng kaukulang bayarin
  89. 89. Matapos maisumiti ang mga kinakailangang papeles ay mag-iipon ang aplikante ng sapat na Fixed Deposit para sa napiling option 1, 2, 0r option 3. Maaaring hulugan hanggang makaipon ng sapat na halaga to qualify for regular loan. Membership fee 100 Passboook 30 2nd 3rd Mo. Mo. 4th 5th Mo. Mo. 6th Mo. up to 1o Mos. Share Capital (Innitial) 200 200 200 200 200 200 Up to 3k Total 330 530 730 930 1130 Maaari nang mag-file regular loan Kapag nakaipon na ng sapat na Fixed Deposit ay maaari nang mag-apply ng regular loan.
  90. 90. Benefits of Becoming a Member: 1. Damayan 2. Gintong Damayan (Insurance) 3. Unlimitted & Free Medical Consultation/Medical Profiling 4. Damay-Pangkalusugan 5. Tulong Paaral sa Kolehiyo/Tuition Fee Discounts 6. Dagdag Baon 7. Birthday Gift/Birthday Dental Coupon/CHRISTMAS GIFT 8. Interest sa Saping Puhunan 9. Patronage Refund sa Lending 10. Patuloy na Pag-aaral at Libreng Pagsasanay 11.Balik-tangkilik sa Consumer Store at Agri-center
  91. 91. Damayan
  92. 92. Kung ang kasapi ay nakatupad sa lahat ng alituntunin ng Damayan: Deduction of 1.5 % for other expenses made in the transactions and less 50% kung nalabag ang mga sumusunod:
  93. 93. Mga Basehan Para sa 100% na Damayan Benefits: 1. Pondong Pandamay No Compensation for those who are zero balance 2. Hindi Delingkwente sa pagkakautang sa TCMC ng hindi hihigit sa 1 (isang) taon 3. Tumatangkilik sa mga Negosyo o Serbisyo ng TCMC
  94. 94. Reminder Letter Pinapadalhan ng sulat ang mga kasapi na may mababang halaga ng Damayan
  95. 95. 2. Gintong Damayan
  96. 96. Unlimited & Free Medical Consultation Ang TCMC ay nagbibigay ng libreng konsultasyon sa mga kasapi at sa dalawang(2) tao, kaanak o hindi kaanak ng kasapi na itinalagang beneficiaries
  97. 97. Executive Check-up/other Medical Exam Ang TCMC ay nagbibigay ng Executive Check-up sa mga kasaping MIGS na may edad na 40 taon pataas
  98. 98. Damay-Pangkalusugan Layunin ng benepisyong ito na matulungan ang mga kasapi sa panahon ng biglaang pagpapagamot (P500 kada isang araw hanggang 2,500 sa maximum ng 5days sa pagkakaospital.)
  99. 99. Tulong Paaral sa Kolehiyo Makakatanggap ng allowance (Php 1,000.00) at (Php 4,000.00) karagdagang pang-tuition ang mga anak ng kwalipikadong kasapi na walang sapat na kakayanang pangpinansyal na makapagpaaral
  100. 100. Dagdag Baon Layunin ng benepisyong ito ang makapagbigay ng Php 250.00 karagdagang baon buwan-buwan sa mga mag-aaral ng pampublikong mataas na paaralan na anak ng mga kwalipikadong kasapi
  101. 101. 8. Birthday Gift Tatanggap ng “Gift Check” na may halagang Php 250.00/500.00 ang bawat kasaping may kaarawan at may maayos na record sa Kooperatiba Above 1 year member Php. 250.00 only if Php. 5000.00 above Shared Capital after 1 year Php. 500.00
  102. 102. Interests sa Saping Puhunan
  103. 103. Dibidendo Ang lahat ng kasapi ng TCMC ay nakikibahagi sa lahat kita na nagmumula sa operasyon ng lahat ng negosyo ay serbisyo nito.
  104. 104. Libreng Pagsasanay Ang TCMC ay nagbibigay ng ibat-ibang klaseng pagsasanay sa mga kasapi. (Free livelihood training seminar)
  105. 105. Rebates sa TCMC Consumer Store at Agri-Center Nakakatanggap ng balik-tangkilik ang mga kasapi ng TCMC sa tuwing mamimili sa TCMC Consumer Store at Agri-Center
  106. 106. Discounts sa Selected TCMC Services Nagbibigay ng diskuwento ang TCMC sa mga piling negosyo at serbisyo tulad ng transport services.
  107. 107. Mga Pa-Raffle
  108. 108. Christmas Gifts and other Give Aways Umbrella Handbag Grocery Bag
  109. 109. Sandigan
  110. 110. Contact Numbers : • Training and Marketing Dept. Tel. Nos.: (042) 793-2873 • Emmanuel Enobejas Training/Marketing Officer Globe : 09054955374 Smart : 09084093358
  111. 111. Question and Answer

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