8. BARANGKA CREDIT COOPERATIVE The coop surpassed the ordeal. Patience, strong determination, resourcefulness and prayer helped the coop surmount the problems. Moreover, the members utilized their collective ability to make their organization more community-oriented. 96 Julian Cruz Street Barangka Marikina Metro Manila Phone: +63(2)9412217 Primary Category: Cooperatives Barangka Credit Cooperative offers various products and services to its members. Application for Membership is open to all Filipinos who lives and works within the area of Marikina City and Antipolo City with the recommendation of a Member In Good Standing (MIGS). To be an official member of the Barangka Credit Cooperative, interested individuals must attend PMES Seminar conducted every Saturday and every last Sunday of the month at 1:00 PM at the Barangka Creit Cooperative office. SAVINGS OR ASSOCIATE MEMBER - Co-owner na hindi na kailangan magsanay o dumalo sa PMES Seminar. Magsumite lang ng aplikasyon at magdala ng mga sumusunod: a. 1 pc 2x2 pictureb. Proof of Billingc. Ps. 180.00 Breakdown:ID & Membership FeePs. 100.00Passbook30.00Initial Deposit50.00 ==========TOTALPs. 180.00 REGULAR MEMBER Requirements for Regular Co-Owners • Residing or working within Marikina City / nearby cities•Proof as permanent or regular employee / may negosyo / hanapbuhay•Consent of wife / husband or any member of the family•Ang pagsasanay (seminar) ay isasagawa bago makahiram•Proof of no previous or pending barangay / court cases involving money / credit discipline, kung kailangan•2 pcs. na 2x2 picture Membership:Initial Share DepositPs. 100.00 Initial Savings Deposit100.00 Initial Damayan Deposit100.00 Membership Fee100.00 Federation Due40.00 Others- Passbook, ATM, etc160.00 ATINGKOOP Membership100.00 ========== TOTALPs. 700.00 Offered by the Barangka Credit Cooperative: Types of Loans Equal LoanCheck Accommodation Double Your Share loanEmergency Loan Pensioners LoanHousing Loan Salary LoanRefinancing ATM / Land Title Special LoanEducational / Appliance Loan Capacity to pay loanMotorcycle Loan PSKM/MICRO LoanGrocery Loan / One Stop Shop Loan Pautang Sa Negosyo (PSN)Rice Loan 30 days/60 days/90days-Petty Cash Loan/Drivers/OperatorsCar Loan Discounting Personal CheckCell Phone Loan Interest Rates: Kinds of Loan Interest AnnuallyService FeeCBUTotal Deduction 1. Below / Equal Share Loan (no other loan). 6%3%1%10% 2. CBL - if share capital is 75% of the amount to be borrowed. 13%3%1%17% 3. if share capital is 50% of the amount to be borrowed. 15%3%1%19% 4. if share capital is less than 50% but more than 30% of the amount to be borrowed. 17%3%1%21% 5. if share capital is less than 30% but more than 10% of the amount to be borrowed. 18%3%1%22% 6. All loans including ATM - if share capital is less than 10% to be borrowed. 20%3%1%24% 7. All productive loans - if share capital is 5% of the amount to be borrowed. 24%3%1%28% 8. All productive loans - if share capital is 0% and less than 5% 30%3%1%34% 9. Petty Cash loan 4%2%6% 15% - grocery 85% - cash 10. Accommodation loan 4%2%6% 11. Discounting Personal Check 3%2%6% 12. Deposit PROMOTION PLACE PRICE PRODUCT
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10. ACDI Credit cooperative ACDI Savings and Credit Cooperative is a cooperative that promotes thrift and providing financial assistance to its valued members for productive purposes Through the years, ACDI has become vital part of the lives of its members by offering superior product portfolio and value added services to its members. ACDI Bldg. Diego Silang St. AFPOVAL Phase 1 Western Bicutan, taguig city Maintaining balance of 200.00 -Competitive interest rate as high as 6% per annum,tax free -minimum deposit of 10,000.00 -minimum placement of 5,000.00 Loan Types: Back to Back Loan A loan that is tied up with members’ ACDI Investments and can be paid through personal payment. Business Loan A type of loan granted to members for putting up new businesses or as additional capital for existing one. Calamity Loan A loan granted to members who are residing in areas that are affected by calamity or declared as under state of calamity. Salary Loan A ACDI offers the most affordable loan packages in the market in order to provide financial assistance to its members not only for their everyday needs but also to support their children’s education. ACDI also empowers its members to build home for their family, to purchase appliances, and to own their dream car. All of these can be achieved through ACDI Salary Loan. PROMOTION PLACE PRICE PRODUCT