The document introduces Future-Net Credit Cooperative, a cooperative financial organization owned and operated by its members. It discusses the cooperative's mission to promote cooperativism and improve members' quality of life. It outlines membership requirements and benefits, different loan programs available to members, and opportunities for members to earn additional income by referring new members. The goal of Future-Net Credit Cooperative is to provide sustainable financial services that help members build their families' futures.
2. www.futurenet.ph
Let’s talk about reality
How many people in the world are
living on debt?
How many of these people are suffering in
high interest rate of their loan?
How many of these people are benefited
from their loan?
3. Most of the times we are borrowing
from the following…
1. Collateral
2. Credit Investigation
3. Co-maker
4. High interest
5. No benefits on your loan
6. Your loan might not approve
5-6, personal credit
4. But why we endured this kind
of system?
It is because of…
8. Is my efforts enough?
Am I benefited or my
family benefited?
Where will be my
efforts end?
How can this help me build
my family’s future?
What will I do?
The question is…. Think for a thousand
times…
10. What is
COOPERATIVE?
- Autonomous and a duly
registered association
- Common bond of interest
- Voluntarily joined together
- Achieve their social, economic,
and cultural needs and
aspirations
- Equitable contributions
- Patronizing their products and
services
- With risks and benefits
- It is under the supervision of
Cooperative principles and under
RA # 9520
11. www.futurenet.ph
COOPERATIVE
PRINCIPLES
1. Voluntary and Open Membership
2. Democratic Member Control
3. Member Economic Participation
4. Autonomy and Independence
5. Education, Training and Information
6. Cooperation Among Cooperatives
7. Concern For Community
What is RA # 9520
R.A. 9520
PHILIPPINE
COOPERATIVE
CODE OF 2008
***it is a presidential decree for all cooperative
14. Membership
Qualification
No individual would be members of the cooperative unless
he/she is:
18 years old and above;
Natural or half Filipino;
Foreigner with a Filipino Citizenship;
In good faith to become member of the said Cooperative;
In good health ;
In normal mind condition and;
Attend the Pre-membership Educational Seminar
15. Types of
Membership
A cooperative has two kinds of members: regular members and
associate members
An associate member has no right to vote and be voted upon and is
entitled only to such rights and privileges provided by the cooperative’s
by laws.
A regular member is one who has complied with all the membership
requirements and entitled to all the rights and privileges of membership
as stated in the Cooperative Code and the coops’ by laws.
16. Know your obligation by attending PMES
Building-up a Share Capital
Patronizing the services and products of Cooperative
Following Rules and Procedures of Cooperative
Attend meetings conducted by the Cooperative
Be subjective by the FNCC by-laws and Cooperative Code
of 2008 or RA#9520
17. Consumer Cooperative
Producers Cooperative
Marketing Cooperative
Service Cooperative
Multipurpose Cooperative
Advocacy Cooperative
Agrarian Reform Cooperative
Cooperative Bank
Dairy Cooperative
Education Cooperative
Electric Cooperative
Financial Service Cooperative
Fishermen Cooperative
Health Services Cooperative
Housing Cooperative
Insurance Cooperative
Transport Cooperative
Water Service Cooperative
Workers Cooperative
CREDIT COOPERATIVE
18. What is CREDIT
COOPERATIVE?
As per the Cooperative Code of 2008 RA#9520
- a credit cooperative is a financial organization owned;
patronized and operated by its members with the following objectives;
1. To encourage savings among members;
2. To create a pool of such savings for which loans for productive
or provident purposes may be granted to its members; and
3. To provide related services to enable its members to maximize
the benefits from such loans.
21. Empowered by:
Future-net Network Marketing
Association of the Philippines
SEC Registration # CN201118456
www.futurenet.ph
Future-net Common bond of interests:
“ASSOCIATIONAL”
All members of Future-Net Association (FNMAP, Inc.)
can be a member of Future-Net Credit Cooperative
and vice-versa, No application to FNCC Membership
will be accepted unless registered as FNMAP
member.
***Adopted legislation under RA # 9520 Chapter
XV, Article 117.
24. RV BARRO CALAMAYA
Chairman of the Board
Computer Science Graduate
IT Consultant
Former IT Developer of China
Banking Corp.
Former IT Developer of Digital
Wave Inc.
ENTREPRENEUR
25. EMT-Paramedic, CSPT, DGSV, SGCV, SSSH,
MBA-Certified
KSA-MOH-CSSD Committee Member
KFMC-Infection Control Sub-Committee
Member
KFMC-CSSD Safety Liaison Officer
KFMC-CSSD Quality Improvement Officer
European-Germany CSSD International
Certified
(DIN-58946-6)
MR. VIRGILIO JACKSON CASIÑARES
Vice-Chairman of the Board
26. Office of the Administrator
Alejandro O. Navarro
Board of Director
Entrepreneur, Network Builder
Telephone :
990.25.35 / 0939.158.3876
Office of the Administrator
Leonora B. Oliva
Board Secretary
Entrepreneur, Operation Manager
Telephone :
990.25.35 / 0939.372.6613
Office of the Administrator
Melanie B. Rapal
Finance Department
Entrepreneur
Telephone :
382.74.40 / 0908.762.7453
KEY OFFICIALS
(Board of Directors)
27. MISSION
1. To instill cooperativism as a way of life.
2. To act as a catalyst and unifying force in the
promotion, development and cooperation of
cooperatives at all levels towards the
improvement of the quality of life.
3. To seek ways and means of achieving self-
reliance, integration and mutual assistance
VISION
To become strong, viable cooperative in the
Philippines, unified by common aspirations to
promote cooperativism characterized by self-
reliance, mutual assistance, democracy, justice
and nationalism to achieve total human
development.
Core Values:
Excellence, Commitment,
Integrity & Teamwork.
28. Purpose of Future-net Credit
Cooperative
To provide greater benefits to the members such as increasing
individual income or enhancing a member’s way of living.
To be pioneering business in delivering sustainable financial
service for members and society.
To engage in accepting deposits and granting of loans for
productive and providential use to members.
29. Membership Fee: Php1,500 (Php1,400 coop. mem. & miscelaneous + 100 association mem.)
Lifetime Privilege of Members:
www.futurenet.ph
Lifetime Member of FNMAP
Lifetime Members of FNCC
ID/Back Office Website plus Certificate of Membership
Accidental Insurance (yearly renewable by cooperative)
Future-net Kit
Lifetime Benefits and Privileges
a. High interests rate of savings per annum
b. High interests rate of dividend in pro-rata basis
c. Loan Program traditional / fast track
d. Social Help Program
e. Future-net Program to alleviate life’s standard
a. Scholarship Program for deserving members
b. Free Medical/Dental Services
c. Medical Missions
d. Providential Assistance
e. Continuous education and livelihood training program
f. Housing/Car loan
30. As per the Cooperative
Code of 2008 under
RA#9520, Credit
Cooperative Article, every
member has an
obligation to pay dues for
his/her SHARE CAPITAL
Required Share Capital:
Php5,000
***it can be payable by
staggered basis php50
weekly.
Your Share Capital will earned an interests of 6% in a pro-rata
basis. The more Share Capital you invest, the bigger earnings you
gain as your year end Dividend. (Share Capital may be withdraw if the member
wishes so)
How-ever, patronage refund can be added also to your dividend
31. Credit Cooperative
encourage also every
member to save, not only
to teach them to be thrift
but to encourage them to
be responsible for their
Future Advancement.
Required Savings:
Php5,000
***it can be payable by
staggered basis php50
weekly.
Your Savings will earned a fixed interests of 6% per annum. Savings
can be withdraw anytime.
32. INSURANCE COVERAGE
50k Accidental Death, 50K
Dismemberment,
5k Medical Reimbursement due to
Accident
5k Burial Benefits due to Accident
33. A help program is a system of Future-net extended
for members, this includes NATURAL DEATH &
CALAMITY FUND
***qualification: at least 3 mos. Members, have 1 referral
and 1,000 build up share capital
Help Program includes damayan system,
members who has earnings the week
incident happen to a member, Php20 will
be deducted from their income incentive.
34. www.futurenet.ph
Future-net Credit
Cooperative’s way of
Expansion is by inviting
new member, as a way of
THANKSGIVING and to a
way of COOP to ensure
that members are diligent
enough to work for the
coop, we are giving away
a CASH INCENTIVE
instead of items just like
others did.
In every person that you sponsor, Php750.00
will be given as your incentive
Inviting new members may be done by any member of Future-net Credit
Cooperative who wants to earned extra incentive, however please be it known that
members are not obliged to do so.
- Half of your own efforts income (Php375)
from 2nd and 4th direct invite will be passing up
to your direct sponsor as a part of gratitude
system, Php 375 will be retain to your account.
36. www.futurenet.ph
1. Semi-Regular Loan
-When a member has reach at least Php3,000 S/C,
they can loan 70% of the total amount of their build
S/C , at NO CI, NO COLLATERAL and NO CO-MAKER
policy.
•Loan interest will be 0.05% per month.
• Penalty of 2% will be calculated from weekly payment in
case of delayed payment.
•Upon releasing of loan, payment for the first week will be
automatically deducted.
Note: No CI, No Collateral and No Co-Maker policy is
applicable from loan amounting of 3,000 to 20,000 pesos
only, loan amount more than 20k will be needing of
Collateral or Co-maker.
37. 2. Regular Loan
-When a member has reach Php5,000 S/C, they can
loan 100% of the total amount of their build S/C , at
NO CI, NO COLLATERAL and NO CO-MAKER policy.
•Loan interest will be 0.05% per month.
• Penalty of 2% will be calculated from weekly payment in
case of delayed payment.
•Upon releasing of loan, payment for the first week will be
automatically deducted.
Note: No CI, No Collateral and No Co-Maker policy is
applicable from loan amounting of 3,000 to 20,000 pesos
only, loan amount more than 20k will be needing of
Collateral or Co-maker
38. 3. Fast Track Loan
-If a member will at least invites 6 new members who joined FNCC,
he/she is qualified to avail the fast track loan concept of Future-net
regardless if he/she has build a S/C.
- UNLIMITTED LOAN can be avail in every 6 direct sponsoring.
•Loan interest will be 0.05% per month.
• Penalty of 2% will be calculated from weekly payment in case of
delayed payment.
•Upon releasing of loan, payment for the first week will be
automatically deducted.
Note: Re-loan amount will be depend on your paying
status and your group. Upon re-loan at least 3k share
capital was build.
39. 4. Dual Loan
- A member who complete his/her S/C and has at 6
direct referral can avail the dual loan concept of
Future-net Credit Cooperative. Dual loan is a
combination of Regular Loan and Fast Track Loan.
•Loan interest will be 0.05% per month.
• Penalty of 2% will be calculated from weekly payment in
case of delayed payment.
•Upon releasing of loan, payment for the first week will be
automatically deducted.
Note: No CI, No Collateral and No Co-Maker policy is
applicable from loan amounting of 3,000 to 20,000 pesos
only, loan amount more than 20k will be needing of
Collateral or Co-maker
40. Send to:
SMART: 0947-773-8823
GLOBE: 0917-594-3243
SUN: 0923-445-6708
Please e-mail you deposit slip to futurenet08@gmail.com for update.
Member can deposit payment to the following affiliate company of
Future-net Credit Cooperative (loan payment/savings/share capital)
Or you can pay over
the counter at the
main office or any
accredited satellite
office of Future-net
Credit Cooperative.
41. Benefits:
P75 per paid Mem Application
5% Encashment
0.5% Loan of Tagged Application
Lock in (by Parameter area/
Municipality)
SATELLITE Panel
o Certificate of Appointment
o1M Insurance Coverage AD & D
o 500,000 for Spouse & Maximum of 2
Children (7-18y/o).
o 100,000 Unprovoked Murder and assault
o 100,000 Burial Assistance Accidental Death
o Personal VTPL (Second Layer of car insurance)
P200,000.00
o Fire Assistance P 50,000.00
o Membership Forms (2 pads)
o 2pc. Provisionary Receipts
o 2 pcs. Tarpaulin ( BIG )
o 2 pcs. Tarpaulin ( SMALL )
o 40 ACTIVATION CODES X 1500/each = P60,000
REQUIREMENTS:
Letter of Intent (LOI)
Barangay Clearance
Existing Member
Office
Computer/Scanner
Internet
42. + Php 5 in every entry of your direct SATELLITE sponsor
www.futurenet.ph
43. Are you searching for someone who can help you alleviate your life
status at the moment? Maybe we can help…join now and be one of
us, In Future-net, we will help you invent your family’s future.
