Financial Highlights

As of October 2017

Total Assets   1.654 B
Loan Receivable (Net)   743.32 M
Portfolio at Risk (PAR 1)   8.06%
Portfolio at Risk (PAR 30)   4.99%
Deposits Liabilities   1.07B 
Other Liablities   48.00 M 
Member's Equity    384.30 M
Gen. Reserve Fund   74.47 M 
Net Surplus   63.59 M
Gross Revenue   123.87 M
Coop. Pesos Rating    89.40% 
Regular   27,645
Associate   1,433
Youthbee   2,525
Smarteens   647
Total Membership   32,250



  • Monday-Friday
  • 8:00AM-5:30PM



  • Saturday
  • 8:00AM-11:30AM


Jan 23 (MON)
    - Inauguration of the
      First Phil. Republic
      (Bulacan Only)

Jan 28 (SAT)
    - Chinese New Year

Feb 03 (FRI)
    - Ople Day
      (Bulacan Only)

Feb 25 (SAT)
    - Edsa Revolution
      31st Anniversary

Apr 02 (SUN)
    - Balagtas Day
      (Bulacan Only)

Apr 09 (SUN)
    - Day of Valor

Apr 13 (THU)
    - Maundy Thursday

Apr 14 (FRI)
    - Good Friday

Apr 15 (SAT)
    - Black Saturday

May 01 (MON)
    - Labor Day

Jun 12 (MON)
    - Independence Day

Aug 15 (TUE)
    - Bulacan Day
      (Bulacan Only)

Aug 21 (MON)
    - Ninoy Aquino Day

Aug 28 (MON)
    - National Heroes Day

Aug 30 (WED)
    - M. del Pilar Day
      (Bulacan Only)

Sept 10 (SUN)
    - Foundation Day of the
      City of San Jose del Monte
      (CSJDM, Bulacan Only)

Sept 15 (FRI)
    - 119th Anniversary of 
      Malolos Congress
      (Bulacan Only)

Oct 31 (TUE)
    - Additional special
      non-working day

Nov 01 (WED)
    - All Saints Day

Nov 30 (THU)
    - Bonifacio Day

Dec 25 (MON)
     - Christmas Day

Dec 30 (SAT)
     - Rizal Day

Dec 31 (SUN)
     - Last Day of the

December 2017
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Image Enhancement Seminar for Cooperatives

by Rudolf Z. Gado


Last April 16, 2016 @ 1-5 p.m. our Staff and Officers attended the Image Enhancement for Cooperatives that helps on how to deal with our members and prospective members in a very positive way.

Thru the help of our resource speaker Ms. Gina R. Pineda, an HR consultant, we have learned on how to build our image together as an employee and officers of San Jose del Monte Savings and Credit Cooperative (SJDMSCC). We are all aware that in “every time good service is delivered, image is enhanced”.

As an employee and officers the delivery of our services is very important. According to Mrs. Pineda “when our members are MAD, they are upset about the PROBLEM and it is not us personally so we should not get drawn in the “personal web” or not to take it personally in our own language; Trabaho Lang Walang Personalan”.

Being an employees and officers of this cooperative we should also aware on how to represent our own self. Since we are dealing with people, a proper uniform or dress code is necessary. Our body language, facial expressions, gestures might leave a negative impressions to our client so we should calculate every small actions or details that we show to them.

There are common courtesies that we could consider in dealing with members: 1. Come on time; 2. Dress appropriately; 3. Right salutatory address; 4. Appropriate greeting and 5. Offer of hospitality. These common courtesies can help us to win our prospective members. Being one of the employee or officer of this cooperative we must also familiarized with our craft’ we must fully understood our cooperative, the products and services that we offered and all the process including all the policies that we are implementing.

It should be clear to us that “COOPERTATIVE” is just a word but the composition of this organization is “US”, every individual within the organizational structure of San Jose Koop are all responsible for the image building. Our action affects the organization so therefore building our image together will create a strong foundation.

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