This document provides an overview and summary of the Cooperative Orientation Seminar (COS) conducted by Tayabas Community Multi-Purpose Cooperative (TCMC) for new members. It discusses TCMC's history, areas of operation, products and services offered. It also explains TCMC's lending process and types of loans including regular loans and special loans for business capital. Key details about loan amounts, terms, interest rates and monthly payment schedules are provided for regular loans of different amounts. The goal is to help new members understand TCMC's purpose, benefits and loan policies.

1. COS( Cooperative
Orientation Seminar )

2. GETTING TO KNOW EACH OTHER

3. 1. Pinagkakaabalahan sa araw-araw
2. Dahilan ng pagsali bilang kasapi ng TCMC

4. Ang inyong
lingkod:
Mr. Emmanuel
“Emman”
Enobejas
Training/Marketing Officer

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. 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. Brief History
“TCMC has 49
years of
colorful and
rich history”

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. Areas of Operation
City of Tayabas
Candelaria,
Quezon
Gumaca, Quezon
Pagsanjan, Laguna

10. TCMC Head Office:
Quezon Ave.
Brgy. San Roque Zone-2
Tayabas City

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. 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. October 15, 2012
TCMC expand services by opening
new branch at Pagsanjan,
Laguna

14. Growth Indicators
•
•
•
•
•
•
Total Assets
Total Share Capital
Deposit Liability
Gross revenue
Net Surplus
Membership

15. Total Assets (December 2012)
Php 310, 797, 084.95

16. Share Capital (December 2012)
Php. 100,461,235.10

17. Deposit Liability (Dec. 2012)
Php 159,716,820.71

18. Gross Revenue (Dec. 2012)
Php 43,442,757.23

19. Net Surplus (2012)
Php 12,829,191.41

20. Membership (November 2013)
6,667+…

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. 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. 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. Filing of Loan Application
Ang “application form” ay
isusumite sa Loan Officer
kasama ang lahat ng
dokumento na kailangan sa
pag-utang

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. 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. 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. 3. Loan Protection Plan
• Insurance ng ating mga utang
•Hindi na kailangang bayaran ng mga naiwanan ang utang ng
isang yumaong kasapi

29. 4. Mga Kabawasan sa Utang
• Filing Fee
•Service Fee
•Loan Protection Plan
• Halagang ibinabalik sa Share Capital

30. 5. Paraan ng Pagbabayad
• Daily
•Weekly
•Semi-Monthly
•Monthly
•Quarterly
•Semi-Annually
•Annual Payment
•Lump sum Payment

31. 1. Regular Loan
•
regular na loan na kadalasang ina-avail ng
mga kasapi.

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. 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. 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. at kung…
Termino
Ikalawan
g Beses
na
Regular
Loan
Remarks
Depende Puwedeng
sa halaga magna
advance
hihiramin
Puwedeng
Mag-renew

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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 3. Collateral Loan
•
Serbisyong
pautang na may
sanla.(up to 2M)
Members/Non-Members can Avail
2%/Month Interest

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. 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. Instant Emergency
• Pautang sa
pangkagipitan
• (up to 20k)
(7 Months Member 1.5%/Mos. Int. 12 Months to pay

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. 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. 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. 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. Feeds Loan
up to 50k depending
on the share
capital
(7 Months Member 1.5%/Mos. Int. 4 Months
lump-sum payment

56. Palay Production
(up to 20k worth of fertilizer and pesticide)
(7 Months Member 1.5%/Mos. Int. 6 Months lump-sum payment

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. 9. Petty Cash Loan
•
Maliit na
halaga para sa
panandaliang
pangangailang
an
(7 Months Member 2%/Mos. Int. 2 Months to pay

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. 11. SM Credit Card Metro at Gaisano
Credit Card
2 years member 5k credit
limit/Mos, with no Interest 2
Months to pay

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. 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. 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. 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. 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. Financial Services
Banking
MICOOP

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. 2. Special Savings or Time Deposit
Term :
30 days
Note :
No Withholding Tax Deduction

69. Western Union Money Transfer
GPRS Business Center

70. Trading Businesses
Consumer Store
Hardware tie ups
Appliance Center
Hollow Block Production

71. Agri-Based Business
Rice Mill
Hog Breeding Farm
Agri-Center/Store
Palay Drying Facility
Palay Trading

72. Other Businesses & Services
Health Care Services
Pharmacy and Gift Shop

73. Other Businesses & Services
ATM Service
Function Hall

74. Other Businesses & Services
Transport Services

75. Becoming a Member

76. Requirements:
1. 18-60 years old

77. 2. Medical Certificate (for 50 years
old and above)

78. 3. With source of income

79. 4. Photocopy of birth
certificate

80. 5. Barangay clearance

81. 6. Resides in any part of Luzon

82. 7. With good health/Able to
contact

83. 8. Attended the Cooperative
Orientation Seminar (COS)

84. 9. Passed the Character and
Background Investigation

85. 10. Decided upon by the Board of Directors

87. 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

88. 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).

89. 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

90. 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.

91. 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

92. Damayan

93. 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:

94. 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

95. Reminder Letter
Pinapadalhan ng
sulat ang mga
kasapi na may
mababang halaga
ng Damayan

96. 2. Gintong Damayan

97. 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

98. 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

99. 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.)

100. 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

101. 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

102. 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

103. Interests sa Saping Puhunan

104. Dibidendo
Ang lahat ng kasapi
ng TCMC ay
nakikibahagi sa
lahat kita na
nagmumula sa
operasyon ng lahat
ng negosyo ay
serbisyo nito.

105. Libreng Pagsasanay
Ang TCMC ay
nagbibigay ng
ibat-ibang klaseng
pagsasanay sa
mga kasapi.
(Free livelihood training
seminar)

106. 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

107. Discounts sa Selected TCMC Services
Nagbibigay ng
diskuwento ang
TCMC sa mga
piling negosyo
at serbisyo tulad
ng transport
services.

108. Mga Pa-Raffle

109. Christmas Gifts and other Give Aways
Umbrella
Handbag
Grocery Bag

110. Sandigan

111. Contact Numbers :
• Training and Marketing Dept.
Tel. Nos.: (042) 793-2873
• Emmanuel Enobejas
Training/Marketing Officer
Globe : 09054955374
Smart : 09084093358

112. Question and
Answer