The document provides information about Sta. Cruz Savings and Development Cooperative (SACDECO) in the Philippines. It discusses the history, vision, mission, goals, offices, programs, and services of SACDECO. Specifically, it details the expansion of SACDECO over 27 years from having 49 barangays, 25 incorporators, and 5,000 pesos in capital to now having over 32,000 members, 662.4 million pesos in total assets, and 9 business offices including one in Hong Kong. It also summarizes the lending services, interest rates, and requirements for becoming a member of SACDECO.

1. STA. CRUZ SAVINGS AND
DEVELOPMENT COOPERATIVES
(SACDECO)
By:
MISS JOCELYN P. AVILA
Ed. D. STUDENT
Cognate: Seminar in Productivity and
Entrepreneurs hip

2. What is COOPERATIVE?
A group of VOLUNTARY individual
with unified goal and knowledge
inorder to attained its success which
abides the law by giving its
appropriate share and to enjoy its
services and benefits.

3. PRINCIPLES OF COOPERATIVE
 Open and Voluntary Membership
 Member’s welfare through the principle of
Democracy.
 Cooperation among members through
giving share and using its services.
 Continuous education and training with all
members.
 Affiliation with others.
 Responsive on the needs of the
community.
 Ecology (environmental friendly).

4. Rights and Privilege of a Member
 Continuous giving of Share and
Deposits.
 Availing of services.
 Attending meetings and other
activities.
 Paying loans on time.

5. History of SACDECO
 STA.CRUZ SAVINGS AND
DEVELOPMENT COOPERATIVE
 BORN ON DECEMBER 18,
1984
 CONFIRMED BY CDA ON
FEB.14, 1991
 STA. CRUZ CREDIT
COOPERATIVE

6.  49 BRGYS IN
STA.CRUZ, IS
 25 INCORPORATORS
 P5,000.00 AS CAPITAL
 1 STAFF

7. MUTYA NG KOOPERATIBA, DEC. 1987
-P500,0000.000
SACRIFICIAL MERIENDA,
APRIL 1989
P300,000.00
Big BREAKS
RAFFLE DRAW, JULY
1989 P400,000.00

8. CREDIT
SAVINGS DEPOSITS

9. GRANTS WERE
GIVEN BY LDB &
DTI
the Cooperative go to MULTI-
PURPOSE thus renaming it the
STA. CRUZ MULTI-PURPOSE
COOPERATIVE (SCMPC) through
the amended Articles of
Cooperation and By-laws which
was duly registered with the CDA
on July 4, 1994.

10. SCMPC SACDECO
MAY 22, 2006
SAVINGS
Youth
Tipid CREDIT
Movement
SACDECO
Mortuary Scholarship
Aid Program
Program

12. SACDECO
Santa Cruz
Savings &
Development
Cooperative
2nd Floor,Gabriel Bldg.M.H.Del Pilar
Bayambang,Pangasinan

13. STA.CRUZ SAVINGS &
DEVELOPMENT COOPERATIVE
SACDECO
27 Years in Business
Operation

14. SUCCESS STORIES OF
SACDECO
 TOP Coop,
2012 LDP Gawad
Pitak Award
 Top Training Patrons,
2010 NATCO
 4 th Place of the Top
Coops in Region I,
2009 CDA
 Best Performing Coop
 Multi-Millionaire Coop

15.  1 s t COOP ATM north
of Manila.
 It is also the 1 st ATM
in Sta. Cruz, Ilocos
Sur.
 1 st in the second
district of Ilocos Sur
to launch Gender
Sensitivity Program,
empowering women
into leadership or

16.  HIGHEST PRIMARY
COOP INVESTOR AT
ISCB,
 TOP INVESTOR AT
(NSCC)
 ONE OF THE TOP
INVESTORS AT MSCB.
 HAVE PRODUCED THE
PRESENT
REPRESENTATIVE OF
THE COOP-NATCCO
PARTYLIST, CONG.
JOSE R. PING-AY, AND
THE CHAIRPERSON OF
THE BOARD OF
DIRECTORS

17. Before, AWARDS
AND RECOGNITION Now, our efforts have
been recognized by
were just a dream! various organizations.
We have received
various awards.
SACDECO – then and
now…

18. SACDECO – then and
now…

19. NATCCO
Networ
k
National Agricultural COOP NATCCO
Confederation of Guarantee Fund PARTY-LIST
Cooperatives Pool
Coop Life Mutual Nueva Segovia Metro South ASEAN Women in
Benefit Services Consortium of Cooperative Bank Cooperative
Cooperatives Development Forum
Small Business Ilocos Sur Northern Luzon
SACDECO – then and Cooperative Bank
Corporation Federation of
Cooperative
now… Development
Center, Inc.

20. AREA OF OPERATION
-4 PROVINCES and entire of Luzon. Now, it has 9 business
offices (8 local and 1foreign).
SACDECO – then and
now…

21. VISION,MISSION & GOAL
VISION:
A one-stop shop capable
and reliable Cooperative
Financial Center and
Gender Equality (GE)
Champion in the Luzon.

22. VISION,MISSION & GOAL
MISSION:
1.To provide quality financial services
responsive to all members.
2.To provide a Gender responsive
environment in the implementation
of other programs and services.

23. VISION,MISSION & GOAL
GOAL:
To establish and implement
various financial programs
and products that are
responsive and accessible to
all members in a gender fair
environment.

24. COOPERATIVE PLEDGE
 As a Filipino
 I am and I believe in the Cooperative
 Alone I am weak,
 But with others I am strong
 So I commit myself to work
 To cooperate, for all to be prosperous.
 Harmony,industry I will value.
 Cooperative affairs I will attend,
 Responsibilities I will assume
 The cooperative philosophy I will live.
 One vision,
 One belief,
 One feeling,
 In cooperative, my life I pledge
 So help me God.

25. SAPATA TI KOOPERATIBA
Ilokano Version
 Kas maysa a Pilipino
 Addaak ken mamatiak iti kooperatiba
 Nakapsutak no sisiak
 Ngem napigsaak no makikaduaak.
 Agkumitak ngarud a makitimpuyog
 Tapno ti amin nga kinarang-ay inda magun-od
 Panagtutunos ken kinasaldet ipategko
 Pasken ti kooperatiba innak isango
 Pagrebbengan sidadaanak mangibaklay
 Pilosopya ti kooperatiba ibiagko pay.
 Maysa nga sirmata,maysa nga panunot,maysa
nga rikna
 Iti panagtitimpuyog,biagko innak isapata
 O Dios, tulungannak koma.

26. SACDECO OFFICES
 1.Head Office – Poblacion Este,Sta.Cruz,Ilocos Sur
 2.Santiago Branch – Santiago,Ilocos Sur
 3.Santa Branch – Santa,Ilocos Sur
 4.Bangar Branch – Bangar,La Union
 5.Bacnotan Branch – Bacnotan,La Union
 6.Villasis Branch – Villasis,Pangasinan
 7.Asingan Branch – Asingan,Pangasinan
 8.Bayambang Branch – Bayambang,Pangasinan
 9.HONGKONG CHAPTER
 10.San Jose City Branch – San Jose,NE.

27. To sum up for the rapid expansion and growth of SACDECO, the
following are attributed: functional and thinking Board, technically
and globally competent management and staff, operational
compliance and adherence to the rules and regulations, increasing
support by the general membership and strong linkages.
SACDECO – then and now…

28. Management & Staff
Bayambang Santa
Asingan
Bangar
Santiago
Villasis
SACDECO –
then and
now… Manageme
nt & Staff
Bacnotan
Head Office

29. STA.CRUZ SAVINGS &
DEVELOPMENT COOPERATIVE
SACDECO (Bayambang
Branch)
Date Opened: January 10,2011
18 Months in Business
Operation

30. CHARD

31. MANAGEMENT STAFF
Eva B.Garnace-Borja – Chief Executive
Officer
Richard J.Javillonar – Branch Manager
Rufo E.Gayda Jr. – Loan Officer
Aileen P.Galleto – Bookkeeper
Eleonora DV.Canoy – Teller
Reynald B.Palacpac – Account Officer/CIBI
Appraiser

32. Bayambang Branch Office

33. PROGRAMS
SACDECO – then and now…

34. SACDECO – then and now…

35. PROGRAMS
Marital Benefit/Wedding Gift

36. SACDECO – then and now…

37. SACDECO – then and now…

38. SACDECO – then and now…

39. SACDECO – then and now…

40. TREE PLANTING
Waste Segregation
SACDECO – then and now…

41. Coastal Area Cleaning
Community Cleaning
SACDECO – then and now…

42. Giving donations/relief goods to the victims who
suffered from previous typhoons.
SACDECO – then and now…

43. SACDECO – then and now…

44. SACDECO – then and now…

45. II. LENDING SERVICES
SACDECO – then and
now…

46. PERSONAL LOANS
Abroad Loan

47. Car Loan (Personal)

48. SACDECO – then and now…

49. SACDECO – then and now…

50. SACDECO – then and now…

51. SACDECO – then and now…

52. SACDECO – then and now…

53. ALLIED SERVICES
SACDECO – then and now…

54. CURRENT STATUS
SACDECO as a Whole
Net Incom0e
(June 2012)
14.7M
Total Loan
Releases:
Total Members:
Total Assets:
32,369 : 549.14M
662.4M

55. Bayambang Branch
 Total Assets:
48.22 Million
 Total Members:
825 Members
 Releases as of
July: 41.54
Million
 Net Income:
2.47 Million

56. Sta.Cruz Savings &
Development Cooperative
(SACDECO)
Bayambang Branch
PRE MEMBERSHIP
EDUCATION SEMINAR
(PMES)
&
WISE BORROWER SEMINAR
(WBS)

57. PRE
MEMBERSHIP
EDUCATION
SEMINAR

58. How to become a Member?
FOR REGULAR MEMBERS

 Documentary Requirements
 >Barangay Clearance (Membership and Loan Purpose)
 >Picture (4 pieces 2x2)
 >Two (2) Valid ID’s (photocopy)
 >Residence Certificate (Cedula)
 >Marriage Certificate (for married indl.)
 >Birth Certificate (for single)
 Monetary Requirements 18 to 65 yrs.old 66 yrs.old and above
 >Minimum Share Capital 3,000 5,000
 >Initial Savings Deposit 1,000 3,000
 >Give Love & Delight (GLAD) Savings 800 800
 >Health Savings Deposit 250 250
 >Membership Fee 150 150
 TOTAL 5,200.00
9,200.00

59. FOR YOUTH TIPID MOVEMENT
(YTM)
 > 0 TO 17 years old
 > Minimum Savings Deposit – 500.00
 > Membership Fee – 10.00
 > Picture (2 pieces 2x2)
 > Picture of the Guardian
 > as of: 54 YTM Members

60. WISE
BORROWER
SEMINAR

61. WISE BORROWER SEMINAR
A seminar given to
member/borrower so they will
know their duties and
responsibilities as well as the
guidelines in the lending
program of cooperative.

62. WHY WBS?
A member request only an
amount he/she is capable to
pay.
Tells exactly the purpose of
the loan.
Awareness of the loan term
and the due date of the loan.

63. Benefits Derived Requesting
Loan from SACDECO:
 Patronage Refund
 Increase of Savings Deposit and
Share Capital.
 Chance to look for a higher price of
commodity produce.
 Use of DEPOSITS as collateral for a
lower rate of interest.

64. INTEREST RATE & CHARGES
 1.FULLY SECURED LOAN INTEREST RATE
Interest 1.5% per month
Service Fee 2.0%
Filing Fee 1.0%
LRP 1.0% (Loan Recovery Program)
Collection Fee 0.5%
Share Capital 3.0%
2.AGRICULTURAL LOAN INTEREST RATE
Interest 1.75% per month
Service Fee 2.0%
Filing Fee 1.0%
LRP 2.0% (Loan Recovery Program)
Collection Fee 0.5%
Share Capital 3.0%

65. INTEREST RATE & CHARGES
 3.CLEAN LOAN INTEREST RATE
Interest 2.0% per month
Service Fee 2.0%
Filing Fee 1.0%
LRP 2.0% (Loan Recovery Program)
Collection Fee 0.5%
Share Capital 3.0%
Note: Others charges and other deductions
will only be deducted per loan
availment.

66. INTEREST RATE & CHARGES
Example: Loan 50,000 Term: 6 months Interest :
1.75% Loan Purpose: Palay
Interest 5,250.00 (875 per month X 6)
Service Fee 1,000.00
Filing Fee 500.00
LRP 1000.00
Collection Fee 250.00
Share Capital 1,500.00
Savings Deposit 100
Notarial Fee 400
Total Deductions 10,000.00
NET 40,000.00
Note: Others charges will only be
deducted per loan availment.

67. Mode of Payment
 Weekly
 Bi-Monthly (15th & 30th)
 Monthly
 Quarterly
 SemiAnnual
 Lumpsum

68. Terms of Loan
 Maximum of 12 months for Abroad/Salary Loan
(monthly and quarterly payments)
 Six (6) months for Agricultural (Lumpsum or
Monthly payments)
and Business loan – weekly or monthly
payments
* Maximum of 3 years for Real Estate
Loan (Housing) – Monthly payments

69. Basis of Approval
5 C’s (Capacity Based Lending)
 1.Capacity to pay (50%)
 2.Character (30%)
 3.Collateral (10%)
 4.Condition (5%)
 5.Capital (5%)

70. Member in Good Standing
(MIGS)
 Share Capital - at least minimum paid up share
capital of P 3, 000.00
 Savings Deposit – at least P 1,000.00
maintaining balance.
 GLAD deposit – no arrears
 Loan- PAR 30 (Paying loans on time)
 Monthly additional share capital minimum of
50.00 on top of loan retention and required
additional share capital every loan payment.
 Monthly additional savings deposit minimum of
P 100.00 on top of loan retention.
 Attendance to General Assembly and ownership
meeting.

71. Loan Requirement Checklist
Real Estate Mortgage
- Original Title
- Tax Declaration (Owner’s
Copy/Certified Copy)
- Certificate of Tax Payment for the year.
(for the year 2012)
- Vicinity Map/Sketch Plan
- Certification from the Assessor Office.
- Picture of the Collateral
- Tax Idenfication Number (TIN)

72. Loan Requirement Checklist
 ChattelMortgage
1.Vehicles/Motorcycle
- Original Cerficate of Registration & Official Receipt
(OR/CR)
- Picture of the Collateral.
- Certification from the office of the Brgy.Captain
2.Farm Equipment and
Appliances
- Certification from the office of the Brgy.Captain
- Picture of the Collateral.
- Purchase Receipt (if available)

73. Loan Requirement Checklist
 OTHERS
1.For Employees
- Latest payroll slip (3 MONTHS)
2.FOR ABROAD PURPOSES
- Employment Contract and Visa are required.
- Proof of Remittances
3.FOR BUSINESS PURPOSES
-Business Permit (Mayor’s and Brgy.Permit)
-DTI Permit
-Business Plan/Project Proposal (for big
business)

74. Loan Requirement Checklist
 OTHERS
4.For Crop Production
- BARC or Certification from
Brgy.Captain (Certifying
the area of tillage)
- Picture of the tillage.

76. THANK YOU AND GOD BLESS