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% 
Membership
Regular   30,799
Associate   1,401
Youthbee   2,794
Smarteens   717
Total Membership   35,711

PMES

ONE ON ONE PMES

  • Monday-Friday
  • 8:00AM-5:30PM

 

SCHEDULED PMES

  • Saturday
  • 8:00AM-11:30AM

Holidays

                   2018

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
       Year

November 2018
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new prodserv

Loan Products 

A loan product intended for medium to large scale business owners

more details on:

1.a A wealth creating product intended for stall owners on public and private market

 I. How to avail?

  •  Maximum loanable amount is Php 200,000.00
  •  With two (2) co-makers or Daily Collection

 II. Terms of Payment

  •  Payable within 5 years
  •  Daily collection scheme within 120, 240, 360, 480 & 600 days excluding Saturdays, Sundays and Holidays

 III. Interest Rate

  •  16% per annum or 1.33% per month in periodic/diminishing computation

 

 

 

1.b

A wealth creating product intended for members who are engaged on Restaurant & Catering Services

 I. How to avail?

  •  Share capital required is Php 20,000.00
  •  With a registered restaurant or catering business
  •  Maximum loanable amount is Php 200,000.00
  •  With two (2) co-makers

 II. Terms of Payment

  •  Payable within 5 years
  •  Daily collection scheme 120, 240, 360, 480 & 600 days excluding Saturdays, Sundays and Holidays

 III. Interest Rate

  •  16% per annum or 1.33% per month in periodic/diminishing computation

 

 

1.c A wealth creating product intended for a large scale business owners

 I. How to avail?

  •  Required share capital is Php 20,000.00
  •  Maximum loanable amount is Php 500,000.00
  •  With two (2) co-makers or PDC (Post Dated Checks) or open an auto-debit savings account for payment
  •  Must have a registered commercial business

 II. Terms of Payment

  •  Payable up to 5 years
  •  Monthly payment or daily excluding Saturdays, Sundays and Holidays

 III. Interest Rate

  •  16% per annum or 1.33% per month in periodic/diminishing computation

 

 

1.d

 A wealth creating product that suits the needs of Members - Businessman

 I. How to avail?

  •  Required share capital is 5% of the approved Coop Credit Line
  •  Real estate property, clean title preferably residential or commercial are acceptable as collateral
  •  Up to 20M Credit Line per individual member
  •  Preferably with Competitive & Profitable Business

 II. Terms of Payment

  •  Payable within 5 years or up to 10 years
  •  Monthly, quarterly or every six (6) months payments

 III. Interest Rate

  •  12% per annum or 1% per month in periodic/diminishing computation

 

 

 

2

A wealth creating product intended for members who are engaged in Agriculture and Farming Business

Classifications: Farmers Loan, Poultry Raising, Backyard Piggery, Duck Raising, Fruit & Vegetables Farming, LivestockRaising, Fish Farming, Flora & Fauna Farming Loan Assistance

 I. How to avail?

  •  Must be a regular member
  •  With two (2) co-makers or PDC (Post Dated Checks) or open an auto-debit savings account for payment (if Php 50,000.00 above loan amount)

 II. Terms of Payment

  •  Payable within 5 years
  •  Monthly, CDD, Quarterly or every 4 months

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

3

 A wealth creating product intended for members who are engaged on small business like Sari-sari store with Barangay Business Permit 

Loan Classification: Trading, Retailer, Vendors, Direct Selling, Beauty and Wellness Service Loan Assistance

 I. How to avail?

  •  Must be a regular member
  •  With two (2) co-makers or PDC (Post Dated Checks) or open an auto-debit savings account for payment
  •  With an existing business that needs additional capital

 II. Terms of Payment

  •  Payable within 5 years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

A loan product intended for members who are engaged in Transport Operation

more details on:

4.a

  A loan product intended for member who are engaged on a Rent a Car, School Service and other services that uses vehicle on their business

 I. How to avail?

  •  Regular members with share capital of Php 20,000.00 and above
  •  PDC (Post Dated Check) is required or open an auto-debit savings account for payment
  •  20% down payment is required

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  12% per annum or 1% per month in periodic/diminishing computation

 

 

 

4.b

 A loan product intended for member who are Tricycle Operators/Drivers

 I. How to avail?

  •  Regular members with share capital of Php 5,000.00 and above
  •  Post Dated Check is required or open an auto-debit savings account for payment
  •  For Non-TODA Member, 10% down payment is required
  •  For TODA members, 5% down payment is required 

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  12% per annum or 1% per month in periodic/diminishing computation

 

 

 

4.c

 A loan product intended for member who are Jeepney Operators

 I. How to avail?

  •  Regular members with a share capital of Php 5,000.00 and above
  •  Member must be a present LTFRB franchiser
  •  With two (2) co-makers or open an auto-debit savings account for payment

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

4.d

 A loan product intended for member who are Tricycle Operators

 I. How to avail?

  •  Regular members with a share capital of Php 5,000.00 and above
  •  Member must present MTOP (Motorized Tricycle Operators Permit)
  •  With two (2) co-makers or open an auto-debit savings account for payment

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

4.e

 A loan product intended for member who are Taxi Operators

 I. How to avail?

  •  Regular members with a share capital of Php 5,000.00 and above
  •  Member must be a present LTFRB franchise holder
  •  With two (2) co-makers or open an auto-debit savings account for payment

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

4.f

 A loan product intended for member who are Bus Operators

 I. How to avail?

  •  Regular members with a share capital of Php 5,000.00 and above
  •  Member must be a present LTFRB franchise holder
  •  With two (2) co-makers or open an auto-debit savings account for payment

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

These loan products improve the lives of our employees & members by providing them funds for their additional source of income

more details on:

5.a

 A loan product intended for member with limited budget who wants to complete their share capital

 I. How to avail?

  •  Member with Php 1,000.00 Share Capital
  •  Allows member to avail loan to complete the minimum paid-up share capital required for membership

 II. Terms of Payment

  •  Payable within two (2) years
  •  Monthly payment

 III. Interest Rate

  •  12% per annum or 1% per month in periodic/diminishing computation

 

 

 

 

5.b A loan product intended to help MIGS (Member in Good Standing) who are in need of additional funds for the school expenses of their children

 I. How to avail?

  •  A member in good standing
  •  Submit school assessment (attached photocopy)
  •  Submit photocopy of Birth Certificate of the child
  •  Amount of loan is up to 80% of assessed tuition fees but not to exceed Php 50,000.00
  •  With PDC (Post Dated Check) or two (2) co-makers or open an auto-debit savings account for payment
  •  Can ve availed on top of other loans
  •  Only one member in the family can avail the loan
  •  Back to school loan must be fully paid upon renewal
  •  No penalty incurred for one (1) year

 II. Terms of Payment

  •  Payable within six (6) months
  •  Monthly payment

 III. Interest Rate

  • 1% per month in a periodic/diminishing computation

 

 

5.c

 A loan product intended for employed members who are in need of additional source of income

 I. How to avail?

  •  Must be a regular member and regular employee of Public School/City hall or Private company
  •  Members can avail loan exposure up to Php 150,000.00 using the loan merit system
  •  With two (2) co-makers or open an auto-debit savings account for payment

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

5.d

 A loan product intended for members who are in need of funds for educational expenses of their children

 I. How to avail?

  •  Maximum of Php 20,000.00
  •  With two (2) co-makers or open an auto-debit savings account for payment

 II. Terms of Payment

  •  Payment within six (6) months
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

 

5.e

 A loan product intended for emergency needs of member

 I. How to avail?

  •  Loanable amount is 95% of share capital

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly, CDD, Quarterly or every six (6) months

 III. Interest Rate

  •  10% per annum or 0.83% per month in periodic/diminishing computation

 

 

 

 

 

5.f

 A loan product intended for emergency needs of member

 I. How to avail?

  •  Loanable amount is 95% of Time Deposit

 II. Terms of Payment

  •  Payable within two (2) years
  •  Monthly payment

 III. Interest Rate

  •  10% per annum or 0.83% per month in periodic/diminishing computation

 

 

 

 

 

5.g

 A loan product intended to provide additional source of fund for employed members

 I. How to avail?

  •  All regular employees from public and private companies are qualified
  •  Provided that the Operational Manager and the Finance Officer is willing to enter into a contract thru the memorandum of agreement (MOA)
  •  Loan will be automatically deducted from the salary
  •  one (1) co-maker is required

 II. Terms of Payment

  •  Payable within five (5) years
  •  Payment is every pay day

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

5.h

 A loan product intended for members who are in need of additional funds for his/her business during Christmas Season. Privileged loan for MIGS

 I. How to avail?

  •  Can be availed during the month of November and December
  •  Members can avail a minimum amount of Php 5,000.00 and maximum of Php 10,000.00
  •  One (1) co-maker is required
  •  No penalty incurred for the period of one (1) year

 II. Terms of Payment

  •  Php 10,000.00 and below - Payable in three (3) months
  •  Php 10,000.00 to Php 20,000.00 - Payable in six (6) months
  •  Monthly payment or CDD (Cash on Due Date)

 III. Interest Rate

  •  1% per month in periodic/diminishing computation

 

 

 

5.i

 A loan product intended for married members to support the advocacy of keeping the married couple in a romantic and intimate relationship

 I. How to avail?

  •  A member in good standing for 1 year
  •  Maximum loan is Php 10,000.00
  •  Submit letter of intent
  •  Submit photocopy of Marriage Certificate

 II. Terms of Payment

  •  Payable within one (1) year
  •  Monthly payment or every six (6) months only

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

6

 These loan products are intended for members who are engaged with business/es that offers services

Classifications: Computer, Vulcanizing, Junk, Dress, Upholstery, Welding, Studio, Motor Repair, Electronic Repair, Printing, Furniture Shop Loan Assistance

 I. How to avail?

  •  A member in good standing for one (1) year
  •  Maximum loan is Php 150,000.00

 II. Terms of Payment

  •  Payable within five (5) years
  •  Monthly payment

 III. Interest Rate

  •  14% per annum or 1.17% per month in periodic/diminishing computation

 

 

 

 

 

 

7

 A loan product intended for member who wants to purchase house & lot

 I. How to avail?

  •  Regular members with Php 20,000.00 share capital
  •  The maximum age of the applicant is 55 years old only
  •  With Competitive Source of Income or Business
  •  Required to submit a post-dated check (PDC) as additional loan requirement or open an auto-debit savings account for payment
  •  Submit letter of intent
  •  Maximum loan ceiling is twenty (20) million pesos (Php 20,000,000.00)

 II. Terms of Payment

  •  Payable within five (5), ten (10), fifteen (15) or twenty (20) years
  •  Monthly payment

 III. Interest Rate

  •  12% per annum or 1% per month in periodic/diminishing computation

 

 

 

 

8

 A loan product intended for Health & Wellness of our members

 I. How to avail?

  •  A member in good standing
  •  Submit letter of intent
  •  Fill out health declaration form or medical information

 II. Terms of Payment

  •  Payable in six (6) months
  •  Monthly payment

 III. Interest Rate

  •  6% per annum or 0.5% per month in periodic/diminishing computation

 

 

 

 

 

 

 

9

 A loan product that promotes green-living that will help to conserve energy and also prevent air, water, and noise pollution

 I. How to avail?

  •  A member in good standing for the period of one (1) year
  •  Submit letter of intent
  •  Maximum loan amount is Php 100,000.00

 II. Terms of Payment

  •  Payable in two (2) years
  •  Monthly payment

 III. Interest Rate

  •  12% per annum or 1% per month in periodic/diminishing computation

 

 

 

 

 

 

 SERVICE FEE BASED ON THE AMOUNT AND TERM OF LOAN:

 

Below Php 100,000.00

Loan Amount

Above Php 100,000.00

Loan Amount

TERM SERVICE FEE SERVICE FEE
6 months 0.5% 0.5%
1 year 1.5% 1.5%
2 years 3.5% 2.5%
3 years 3.5% 3.5%
4 years 4.5% 4.5%
6 years 5.5% 5.5%

GENERAL REQUIREMENTS:

  1. (2) recent ID picture (1x1) or (2x2)
  2. (2) photocopy of valid ID
  3. Barangay Certification (for Loan Purposes)
  4. Photocopy of Land Title or Deed of Sale or Award or Certificate of Residency
  5. Original Copy of Meralco and Water Bill
  6. Picture of Business
  7. Photocopy of Business Permit
  8. Spouse Valid ID
  9. Sketch / Location Map
  10. Photocopy of Birth Certificate / Marriage Contract
  11. Proof of Remittance (if any)

IF EMPLOYED:

  1. Submit the Original Certificate of Employment and latest Payslip.

 

For more information, you can contact us at:
Tel. #: (044) 815-21-66 / (044) 307-05-26 / (044) 913-77-14
Email: sjdmkbk@yahoo.com / sanjosekoop1987@gmail.com
Facebook: facebook.com/sanjosekoop
or visit any San Jose Koop branch near you