SACDECO has grown tremendously since its founding in 1985, increasing its membership from 25 to over 29,000 members and growing its capital from PHP 5,000 to over PHP 1 billion. It has expanded its operations throughout northern Luzon, opening 16 branches and 3 satellite offices. SACDECO has partnered with numerous organizations to provide additional services to its members and further its social responsibility efforts, such as financial education programs, youth development initiatives, and donations to local schools. Through strategic partnerships and a commitment to its members and communities, SACDECO has become a leading cooperative in northern Luzon.

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STA. CRUZ SAVINGS AND DEVELOPMENT
COOPERATIVE (SACDECO)
THROUGH THE YEARS
SACDECO continues to be a strong financial intermediary and catalyst of growth
in the countryside. From the mere 25 cooperators since its inception, the cooperative
has now more than 29 thousand regular members. From its PhP5,000.00 initial capital,
the long dream of SACDECO to reach the Billion Mark was attained on February 10,
2015.. SACDECO is now operating Luzon Wide with 16 Branches, 3 Satellite Offices and
counting. The Aflatoun and Youth Tipid Movement are the members of the said Lab
Coop. Now, they are more than 5 thousand youth members/savers. During SACDECO
31st
Anniversary, Ms. Josephine Bitonio, the Regional Director of CDA Region I, joyfully
announced that our very own COB, Mr. Alexander B. Raquepo was awarded
Cooperative Ambassador for Region I for his outstanding contributions and being an
active advocator of cooperative philosophy and principles.
Chairperson Alex B. Raquipo as 2015 Coop Ambassador of Region 1
SACDECO Through the years
The contribution of SACDECO to the wider social, economic, environmental
dimensions is attributed to the the workforce of SACDECO staff, officers and members,
God has blessed the cooperative with numerous blessings

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 2006 – SACDECO Hongkong Chapter was organized.
 2006 – Opening of Santiago and Bacnotan Branches
 2007 – San Fernando City Branch in La Union was opened in partnership with
NATCCO
 2008 – Opening of Bangar, Branch
o SACDECO went high tech by realizing its dream of an Automated Teller
Machine which was launched this year. This is the 1st
COOP - ATM north of
Manila. It is also the 1st
ATM in Sta. Cruz, Ilocos Sur
o SACDECO became a strongest advocate and practitioner of Gender Equality
this year in north of Luzon with a Gender Sensitive Human Resource Manual.
 2009 – Opening of Asingan and Villasis Branches in Pangasinan
 2010 – The general assembly approved a wider area of operation ,thus making
it Luzon wide.
 2011 – Opening of Bayambang Branch in Pangasinan and Cuyapo satellite Office
in Nueva Ecija.
- SACDECO turned over the San Fernando City MICOOP Branch to the
Sugpunan ti La Union Credit Cooperative.
 2012 – Opening of San Jose Branch in Nueva Ecija
 2013 – Mangaldan, and Pidigan Satellite Offices were established this year.
-Administrative Building was inaugurated.
 2014 – Pinili Branch, Umigan, Bauang and Narvacan satellite offices were
opened. Likewise, Mangaldan and Cuyapo Satellite offices became
branches this year
 2015 – Paniqui, Alaminos, Agoo and Bangued Branches were opened this year
o SACDECO Laboratory Cooperative was recognized by the Cooperative
Development Authority (CDA) and the certificate of recognition was issued on
March 05, 2015.
o Put up ATM at Asingan Branch on April 2015.
o Partner with Generika on April 18, 2015;
o Launched Teens ATM Savings on August 17, 2015
o Partner with other agencies and signed MOA. SSS on October 31, 2015;
DSWD on February 06, 2014 and NGO (Sta. Cruz Municipality) accreditation
on Dec. 22, 2014; partnership with St. Martin de Porres Hospital and FLX
Clinic on December 17, 2015

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Mini Trade Fair of Cooperative Products
The continuous growth of SACDECO is now beyond restraint through its
affiliations and partnership with the following;
o National Confederation of Cooperatives (NATCCO),
o Metro South Cooperative Bank (MSCB),
o Nueva Segovia Consortium of Cooperative (NSCC),
o Northern Luzon Federation of Cooperatives (NORLU CEDEC),
o Ilocos Sur Cooperative Bank (ISCB),
o Land Bank of the Philippines (LBP),
o Asian Women in Cooperative Development Forum (AWCF),
o Small Business Fund Corporation (SBC),
o Coop Life Mutual Benefit Services (CLIMBS),
o Agricultural Guarantee Fund Pool (AGFP),
o Philhealth,
o Social Security System (SSS)
o Generika Drugstore,
o Western Union,
o St. Martin de Porres Hospital, and
o FLX Clinic
Social Responsibility
Social responsibility is important to a cooperative because it demonstrates to both
members and public that that the cooperative takes an interest in wider social issues in
the local and national or global. For the year 2015, here are our SR projects:

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o December 29, 2015 and March 15, 2015 - Mushroom Production for
Laboratory Coop Members, Non-members and Regular members.
o December 28, 2015 – Oath taking/Orientation of Youth Officers and
Committee conducted by COB, Mr. Alexander B. Raquepo
o December 21, 2015 -Donation/ gift giving to special children at Pinili Branch
o December 21, 2015- Giving donation to South Central School at Santiago
Branch
o December 18-19, 2015- SACDECO Trade fair
o December 19, 2015 - Members and Management Staff in Celebrating 31st
year anniversary.Our guests were Ms. Josephine Bitonio, CDA Regional
Director and Mr. Anthony Bravo, Congressman Coop NATCCO Partylist.
CDA Regional Director Jo Bitonio
and Mr. Anthony Bravo, Congressman Coop NATCCO Partylist
o October 28, 2015 – School feeding at Villasis Branch
o August 21, 2015-Gender Sensitivity Training for new employees
o Financial Education Program for teachers and students in the following school
o -Amarao National High School- October 24, 2015
o -Our Lady of Guadalupe Academy – Nov. 04, 2015
o -San Francisco Elementary School – Nov. 05, 2015
o October 30-31, 2015 Youth congress/Kiddie Congress
o May 09, 2015- Aflatoun Teachers’ Training at Santiago Branch
o April 30, 2015- Aflatoun Teachers’ Training at Mangaldan Branch
o SACDECO co-sponsored the conduct of tax forum. Likewise, joined the
celebration of regional, show of force on October 24, 2015 and the
commemoration of the death of the Late Butz Aquino.

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