Financial Highlights

As of June 2018

Total Assets   1.82 B
Loan Receivable (Net)   855.88 M
Portfolio at Risk (PAR 1)   7.75%
Portfolio at Risk (PAR 30)   4.58%
Deposits Liabilities   1.19 B 
Other Liablities   26.87 M 
Member's Equity    443.08 M
Gen. Reserve Fund   87.56 M 
Net Surplus   32.99 M
Gross Revenue   79.78 M
Coop. Pesos Rating    85.00% 
Regular   30,799
Associate   1,401
Youthbee   2,794
Smarteens   717
Total Membership   35,711



  • Monday-Friday
  • 8:00AM-5:30PM



  • Saturday
  • 8:00AM-11:30AM



Feb 16 (FRI)

    - Chinese New Year

Feb 25 (SUN)
    - Edsa Revolution
      32nd Anniversary

Mar 29 (THU)
    - Maundy Thursday

Mar 30 (FRI)
    - Good Friday

Mar 31 (SAT)
    - Black Saturday

Apr 09 (MON)
    - Day of Valor

May 01 (TUES)
    - Labor Day

Jun 12 (TUES)
    - Independence Day

Aug 21 (TUES)
    - Ninoy Aquino Day

Aug 27 (MON)
    - National Heroes Day

Nov 01 (THU)
    - All Saints Day

Nov 02 (FRI)
    - Additional Special
      (non-working) holiday

Nov 30 (FRI)
    - Bonifacio Day

Dec 24 (MON)
     - Additional Special
       (non-working) holiday

Dec 25 (TUES)
     - Christmas Day

Dec 30 (SUN)
     - Rizal Day

Dec 31 (MON)
     - Last Day of the

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new faqs

      SJDMSCC is a financial-based community movement which is owned, lead and patronized by its members. It is composed of people whom have one goal: to have a better quality of life by saving funds together and lending funds to its members with low interest, so as to give progress to their business/source(s) of income and change their social consciousness.

      It was September 29, 1986 when the first Pre-Membership Seminar was held at San Jose Del Monte Central School which was lasted for three days. On the first day, there were 109 participants, down to 43 which became the San Jose Koop Incorporators. The trainers were headed by Chairman Vic Pascual of St. Martin of Tours Kilusang Bayan sa Pagpapautang, Inc. - a well-known Coop in the Philippines.

      With their determination, the 43 incorporators were able to form the San Jose Koop with its first name: "San Jose Del Monte Kilusang Bayan Sa Pagpapautang, Inc. and raised P 37,500.00 initial capital. It was then registered to the Bureau of Cooperative Development (BCOD) of the Department f Agriculture on May 14, 1987.

     The Cooperative is owned by all of its members. The General Assembly holds the final decision to the important matters which are relative in running the cooperative.

     By choosing and electing the leaders of the cooperative who are the Board of Directors, Audit Committee and Election Committee. Every regular member is entitled to vote only once, whether he/she has small/big share capital. There is no proxy voting.

     It is the yearly assembly of the members of the cooperative where members may exercise their rights in the decision-making with matters that are relative and essential in running and managing the cooperative. This is being held yearly, every last sunday of March.

  • Board of Directors - The committee who's in charge in supervising the entire orderliness and develops policies for the progress of the cooperative. It has seven members.
  • Audit Committee - The committee who supervises and audits the handling and safekeeping of the assets of the cooperative for the benefits of the members. It has three members.
  • Election Committee - The committee who supervises the Seminar of Eligible Officers, screening of candidates and orderliness of the election. It has three members.
  • Ethics Committee - The committee who promotes good moral and good leadership. It has three members.
  • Education Committee - The committee who's in charge in supervising studies and schedules seminars/trainings for the leaders, staffs and members of the cooperative.
  • Mediation and Conciliation Committee - The committee who mediates between any case of rivalry and misunderstandings inside the cooperative.

1. Attend PMES (Pre-Membership Education Seminar)

-One on One or Regular

2. Fill out the membership form (download here)

3. Submit 2 ID pictures and photocopy of 2 valid IDs

4. Pay the necessary fees and get your passbook


a. Required Membership : P6,030.00

minimum of P5,000 share capital
800 Damay-Impok
100 membership fee
50 seminar fee
80 member's ID

b. Minimum Membership : P1,230.00

minimum of P1,000 share capital
100 membership fee
50 seminar fee
80 member's ID

c. Initial Membership : P530.00
minimum of P300 share capital
100 membership fee
50 seminar fee
80 member's ID

Every member shall have the following duties:

a) Pay the installment of his share capital subscription as it falls due and to participate in the capital build-up and savings mobilization activities of the Cooperative;

b) Patronize the Cooperative’s businesses and services;

c) Participate in the membership education programs;

d) Attend and participate in the deliberation of all matters taken during general assembly meetings;

e) Observe and obey all lawful orders, decisions, rules and regulations adopted by the Board of Directors and the general assembly; and

f) Promote the goals and objectives of the Cooperative, the success of its business, the welfare of its members and the cooperative movement in general.

Any regular member who meets the following conditions:

  • Paid the membership fee and the value of the minimum shares required for membership;
  • Not delinquent in the payment of his/her share capital subscriptions;
  • Not delinquent in the payment of his/her loan obligations as of December 31 prior to the date of general assembly;
  • Not violated any provision of cooperative laws, CDA administrative issuances, Articles of Cooperation and this By-laws, the terms and conditions of the subscription agreement; and the decisions, guidelines, rules and regulations promulgated by the Board of Directors and the general assembly;
  • Completed the continuing education program prescribed by the Board of Directors;
  • Attendance in the general assembly and yearly patronizes the loans and savings of cooperative in accordance with its policies and guidelines.
  • Must have attended the last year’s general assembly except for the following:
    1. those who have been hospitalized evidenced by hospital bill
    2. those who are working overseas evidenced by passport
    3. and those who has casualty in the family up to 2nd degree of consanguinity but must notify the cooperative within 15 days after the date of general assembly meeting.
  • Yearly patronizes the loans and savings of cooperative except for members 70 years old and above.