cooperative orientation seminar presentation

COS( Cooperative COS( Cooperative Orientation Seminar )Orientation Seminar )

GETTING TO KNOW EACH OTHER

1. Pinagkakaabalahan sa araw-araw

2. Dahilan ng pagsali bilang kasapi ng TCMC

Ang inyong lingkod:

Mr. Mr. Emmanuel Emmanuel “Emman” “Emman” EnobejasEnobejas

Training/Marketing Officer

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.

K O O P E R A T I B A

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.

Brief History“TCMC has 49

years of colorful and rich 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 twenty-five (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 Multi-Purpose Cooperative

(T.C.M.C.)

Brief History

Areas of OperationAreas of Operation

Pagsanjan, Laguna

Gumaca, Quezon

Candelaria, Quezon

City of Tayabas

Quezon Ave. Brgy. San Roque Zone-2

Tayabas City

TCMC Head Office:TCMC Head Office:

TCMC Gumaca Branch: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

TCMC Candelaria BranchTCMC Candelaria BranchAddress: Bustamante

St. Poblacion, Candelaria, QuezonServices : Savings &

Time Deposit, Collateral loan and Microfinance loan

December 12, 2009TCMC Candelaria Branch

October 15, 2012TCMC expand services by opening

new branch at Pagsanjan, Laguna

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

Total Assets (December 2012)

Php 310, 797, 084.95Php 310, 797, 084.95

Share Capital (December 2012)

Php. 100,461,235.10Php. 100,461,235.10

Deposit Liability (Dec. 2012)

Php 159,716,820.71Php 159,716,820.71

Gross Revenue (Dec. 2012)

Php 43,442,757.23Php 43,442,757.23

Net Surplus (2012)

Php 12,829,191.41Php 12,829,191.41

Membership (November 2013)

6,667+…6,667+…

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.

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

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

Credit and Background Investigation/Collateral appraisal

Filing of Loan Application

Ang “application form” ay

isusumite sa Loan Officer

kasama ang lahat ng

dokumento na kailangan sa

pag-utang

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.

Loan Evaluation

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

Ang pagbabayad ay sa teller/field

collector at ito ay sinusubaybayan ng

Collection Department. Ang

pagbabayad ay maaring arawan,

lingguhan, buwanan, quarterly o semi-

anually depended sa klase ng pautang

Loan Collection and Monitoring

3. Loan Protection Plan

• Insurance ng ating mga utang

•Hindi na kailangang bayaran ng mga naiwanan ang utang ng

isang yumaong kasapi

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 Payment

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 Payments

1,380.00 1,380.00 1,380.00

TotalTotal 2,380.002,380.00 3,380.003,380.00 4,380.004,380.00

“One-time payment” lamang

Options

Paliwanag

A B C Remarks

1 Kasinghalaga ng

Shared Capital

ang hihiramin

2,000.00 3,000.00 Walang Co-Maker

2 x 2 ng shared capital

ang hihiramin

1,000.00

2,000.00 3,000.00 May Co-Maker

X2 X2 X2

2,000.00

4,000.00 6,000.00

Halaga ng Mauutang (min. 2,000 / max. 6,000)

Termino Remarks

Unang Beses ng Regular Loan

2,000 - 7 mos.4,000 - 7-12 mos. 6,000 - 7-12 mos.

Hindi puwedeng mag-advance payment

Pagbabayad (Back to Regular Loan)

Termino Remarks

Ikalawang Beses na Regular Loan

Depende sa halaga na hihiramin

Puwedeng mag-advance

Puwedeng Mag-renew

at kung…

10/25 | 11/20 | 12/20 | 01/15 | 02/15 | 03/3 | 04/3

1 2 3 4 5 6 7

bayad bayad bayad bayad bayad bayad bayad

Familiarized the Due Date

Halimbawa: Release date – 09/25 Terms: 7 mos.

Mga Kabayaran sa Unang Beses na Pag-utang

Take-outTake-outP 2,000.00

Service Fee

2% = P 40.00

Filing Fee 1% = 20.00

LPP = 7.00

F.D. (CBU)

2% = 40.00

Total 107.00107.00

Net Proceed

P P 1,893.001,893.00

Months Loan Bal. Loan Interest Share Capital(FD

)

Total

2,000.00

1 1,714.00 286.00 40.00 326.00

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

TOTALTOTAL 2,000.002,000.00 160.00160.00 120.00120.00 2,380.002,380.00

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

P 4,000.00

Service Fee

2% = P 80.00


LPP = 14.00

F.D. (CBU)

2% = 80.00

Total 214.00214.00

Net Proceed

P P 3,786.003,786.00

Take-outTake-out


)

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

Monthly Payments – 4,000/ 7 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

TotalTotal 4,000.004,000.00 520.00520.00 220.00220.00 4,740.004,740.00


P 6,000.00

Service Fee

2% = P 120.00


LPP = 36.00

F.D. (CBU)

2% = 120.00

Total 336.00336.00

Net Proceed

P P 5,664.005,664.00

Take-outTake-out


)

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

TotalTotal 6,000.006,000.00 480.00480.00 120.00120.00 6,600.006,600.00

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


)

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

TotalTotal 6,000.006,000.00 480.00480.00 359.00359.00 6,839.006,839.00

Monthly (Uniformed) Payments – 6,000/ 7 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

TotalTotal 6,000.006,000.00 780.00780.00 220.00220.00 7,000.007,000.00


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

2. Special Loan

(7 Months Member 1.5%/Mos. Int.

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

3. Collateral Loan

Members/Non-Members can Avail 2%/Month Interest

• Pautang sa pansariling kagamitang pambahay o panghanapbuhay

• Para sa mga magsasaka na nais bumili ng makabagong makinarya

4. Appliance /Furniture or Agricultural Equipment Loan

Tie-ups: Narvaez, Neswood Furniture, Daxell, Rein and Reiny, Garylyn, Your Choice, and Alpanet Computers.

Up to 50k (7 Months Member 2%/Mos. Int. up to 15 Months to pay

5. Instant Loan

• 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

Instant Regular

Nota: Hindi maaaring i-avail kasabay sa regular loan.

• Pautang sa pangkagipitan

• (up to 20k)

Instant Emergency

(7 Months Member 1.5%/Mos. Int. 12 Months to pay

• Para sa pagpapatayo/ pagpapaayos ng bahay

• up to 50k worth of construction materials

Housing Assistance Loan

(1 year Member payment terms; same as regular loan

• Pang matrikula para sa mga kasaping may mag-aaral

• (up to 20k to 30k)

Instant Educational

(2 years member 1.5%/Mos. Int. 12 Months to pay

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

Hog fattening/feedsP2000/Piglets & 4,000 /feeds

7. Agricultural Loan

(7 Months Member 4 Months lump-sum payment Hati sa tubo matapos alisin

ang mga nagastos sa biik, pagkain at mga gamot

Feeds Loanup 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

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

• Walang interest na babayaran(15-60days)

8. Commodity Loan

(7 Months MemberCan be availed with

the ff:Hardware ProductsConsumer goods

Pharmacy productsAppliances

School/Office Supplies

• Maliit na halaga para sa panandaliang pangangailangan

9. Petty Cash Loan

(7 Months Member 2%/Mos. Int. 2 Months to pay

• Pautang sa mga kasaping may pinagkakakitaan araw-araw

• Advance 2% sa pagrelease ng loan

10. Money Shop 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

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 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

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

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

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

15. Pension Loan

Maximum Loan of Php 20,000.00

2% interest per month diminishing

2 years to pay Members and Non-

members can avail this loan

Financial Services

Banking MICOOP

1. Regular Savings Deposits/ATM150.00 – ATM Card

300.00 – Opening balance

.5% Interests per annum

(compared to .25% of commercial banks)

Term : 30 days

Note : No Withholding Tax Deduction

2. Special Savings or Time Deposit

Western Union Money TransferWestern 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

Palay Drying Facility Palay Trading

Agri-Center/Store

Health Care Services Pharmacy and Gift Shop

Other Businesses & Services


ATM Service Function Hall


Transport Services

Becoming a MemberBecoming 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 B CSHARE CAPITAL P1000.00 P2000.00 P3000.00

DAMAYAN 500.00 500.00 500.00

MEMBERSHIPFEE

100.00 100.00 100.00

HEALTH CARE 100.00 100.00 100.00

PASSBOOK 30.00 30.00 30.00

DAMAY PANGKALUSUGAN

200.00 200.00 200.00

ATM SAVINGSACCOUNT

450.00 450.00 450.00

DAPAT ILAGAK

P2,380.00

P3,380.00

P4,380.00

A B C

SHARE CAPITAL

P1000.00 P2000.00 P3000.00

MEMBERSHIPFEE

100.00 100.00 100.00

PASSBOOK 30.00 30.00 30.00

HALAGANG DAPAT NA ILAGAK

P1,130.00 P2,130.00 P3,130.00

*SA UNANG PAUTANG(REGULAR LOAN) BABAWASIN ANG DAMAYAN FUND(500)HEALTHCARE(100), DAMAY PANGKALUSUGAN(200)AT ATM SAVINGS(450).

A B C

SHARE CAPITAL

P1000.00 P2000.00 P3000.00

MEMBERSHIPFEE

100.00 100.00 100.00

PASSBOOK 30.00 30.00 30.00

ATM Savings 450.00 450.00 450.00

HALAGANG DAPAT NA ILAGAK

P1,580.00 P2,580.00 P3,580.000

*Walang benipisyong matatanggap malibang makapagbayad ng kaukulang bayarin

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.

Kapag nakaipon na ng sapat na Fixed Deposit ay maaari nang mag-apply ng regular loan.

Maaaring hulugan hanggang makaipon ng sapat na halaga to qualify for regular loan.Membership

fee100

Passboook 30 2nd Mo.

3rd Mo.

4th Mo.

5th 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

Benefits of Becoming a Member:1. Damayan2. Gintong Damayan (Insurance)3. Unlimitted & Free Medical Consultation/Medical

Profiling4. Damay-Pangkalusugan5. Tulong Paaral sa Kolehiyo/Tuition Fee Discounts6. Dagdag Baon7. Birthday Gift/Birthday Dental Coupon/CHRISTMAS

GIFT8. Interest sa Saping Puhunan9. Patronage Refund sa Lending10. Patuloy na Pag-aaral at Libreng Pagsasanay11.Balik-tangkilik sa Consumer Store at Agri-center

Damayan

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:

Mga Basehan Para sa 100% na Damayan Benefits:

3. Tumatangkilik sa mga Negosyo o Serbisyo ng TCMC

1. Pondong Pandamay

2. Hindi Delingkwente sa pagkakautang sa TCMC ng hindi hihigit sa 1 (isang) taon

No Compensation for those who are zero balance

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, kaanak

o hindi kaanak ng kasapi

na itinalagang

beneficiaries

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

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.)

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 makapag-

paaral

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

8. Birthday GiftTatanggap 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

Interests sa Saping Puhunan

Ang lahat ng kasapi ng TCMC ay

nakikibahagi sa lahat kita na

nagmumula sa operasyon ng lahat

ng negosyo ay serbisyo nito.

Dibidendo

Libreng Pagsasanay

Ang TCMC ay

nagbibigay ng

ibat-ibang klaseng

pagsasanay sa

mga kasapi.

(Free livelihood training

seminar)

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

Discounts sa Selected TCMC Services

Nagbibigay ng

diskuwento ang

TCMC sa mga

piling negosyo

at serbisyo tulad

ng transport

services.

Mga Pa-Raffle

Christmas Gifts and other Give Aways

Grocery Bag

Umbrella

Handbag

Sandigan

Contact Numbers :

• Training and Marketing Dept.

Tel. Nos.: (042) 793-2873

• Emmanuel Enobejas Training/Marketing Officer Globe : 09054955374 Smart : 09084093358

Question and Answer

cooperative orientation seminar presentation

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