SAN JOSE KOOP · Pangkalahatang Pulong ng San Jose Koop noong ika-31 ng Marso, 2019. Ang unang...

SAN JOSE KOOPSAN JOSE DEL MONTE SAVINGS AND COOPERATIVE

Chair. rOMEO a. DE JESUSCHAIRPERSON

CEO CarOLiNE D. DaVECHIEF EXECUTIVE OFFICER

atty. rODELiO B. PUNZaLaNLEGAL COUNSEL

EditOriAl BOArd

EditOriAl OfficE

EDITOR-IN-CHIEF ViCE Chair. riCharD E. aVENa

ASSOCIATE EDITORSMS. MariSSa C. PaNtaLEON

Mr. MOrriS DaNiEL BrODith

CONTRIBUTORSMS. CarOLiNE D. DaVEMS. JOVita V. MatEOMS. NaNCy P. MaGNO MS. WiLMa DE VEra

Mr. rOWELL D. aLarCONMS. Mary aNN aNGEL DOMiNGO

MS. GLENDa LOrENZOMr. EUGENE CaBUhat

MS. Mary GraCE B. aLEMS. PhiLLiNE MiNEttE N. PUNLa

MS. GiSSELLE BaUtiSta

Ms. NyraLyN N. DELa tOrrEOFFICE MANAGER

Mr. MOrriS DaNiEL BrODithGRAPHIC ARTIST

MASiKAP o Magasing Sinasalamin ang KaPatiran ng mga Mamamayang Simbolo ng Kaunlaran at Pag-asa is the official gazette of the San Jose Del Monte Savings and Credit

Cooperative published quarterly with the editorial office at ADMIN Office 2nd Floor of SJDMSCC Building, San Pedro St. Poblacion

1, City of San Jose del Monte, Bulacan 3023, Philippines.Tel. No.: (044) 815-21-66 (PLDT)

Mobile no.: 0943-6088076 E-mail: [email protected]

Website: www.sanjosekoop.comFacebook: www.facebook.com/sjdmscc

MANAgEMENt BOArd

1 - Chairperson’s Corner2 - Awards3 - 1st Quarter Feeding Program4 - Laboratory Test5 - 31st Annual General Assembly6 - Message7 - Dental Awareness at Loma De Gato Marilao8 - Women’s Month9 - Grand Opening of San Jose Koop Health &

Wellness Clinic10 - 11 -Grand Opening of 5th Satellite Office at

Loma De Gato Marilao12 - Skylab Corner13 - Financial Highlight14 - 15 - San Jose Koop Partners 16 - Members’ Benefits 17 - Featured Products18 - Abuluyan Program 1st Quarter 201919 - Coop Policy Updates20 - Loyalty Program21 - Staff, Look and Listen

CONTENTS

Chairperson'sorner

Romeo A. De Jesus, CPA

Year 2019 – 4th year of our 5-Year Plan

As our tradition, we started our first day operation by celebrating a mass. It is our way of thanking our creator for all the blessings showered to us in 2018 as well as request for guidance in our operation for 2019. This is the 4th year of our 5-Year Plan which we developed wayback in 2015. From 2016 – 2018, we have surpassed our target and we hope for 2019 we’ll again attain all our projections especially on surplus, assets, liquidity, delinquency, institutional capital and return to equity.

In January, we also inaugurated our 5th Satellite Office located at Loma de Gato, Marilao. This will cater to our members who are residing in South Muzon as well as our members in the different Barangays of Marilao and North Caloocan.

31ST GENERAL ASSEMBLY

We held our 31st General Assembly last March 31, 2019. We are very much satisfied on the preparations made by the Election Committee as well as all officers and employees who helped in the preparations of the venue. Although we envisioned that there will be a problem in the Election Proper because of the increase in the number of member voters, we are very glad that no untoward problems occurred and the General Assembly runs smoothly. We thought that our venue cannot accommodate our members, but with the long hours provided in the election proper and the practice of some of our members to leave the place early as they live in far places, makes our venue still not fully occupied so that our discussions on various topics go on smoothly.

During the General Assembly Proper, two major issues were raised on the floor:

Why full time employees were prohibited from being a candidate in the Barangay Election?Cash advance of 50% from future Damay Impok Proceeds.

On the first issue, there was a policy on the conflict of interest which we must implement. Also, it is very hard to perform two important positions especially if you have to work from 8:00 AM to 5:00 PM in one of your jobs. We have to select between office career and other profession.

On the second issue, our contributions to our Damay Impok program are only withdrawn upon death of a member. The advances made to those hospitalized or with medicine maintenance will come from the Coop General Fund. Raising the advances to 50% of the future Damayan proceeds will surely affect on the finances of the cooperative.

MASIKAP 1st Quarter 2019Newsletter 1

CongratulationsSan Jose Koop for Receiving various awards

From ASSOCIATION OF ASIAN CONFEDERATION OF CREDIT UNIONSSilver ACCESS Brand for 2018

8 consecutive years ACCESS Brand Awardee(5 Bronze 2010-2015 and 3 Silver 2016-2018)

From COOPERATIVE DEVELOPMENT AUTHORITY - NATIONAL3rd Placer Most Outstanding Primary Cooperative - Medium

Scale Category (Billionaire Cooperative) in the Philippines for 20184 consecutive years CDA - National Awardee

(2015 - 2018)

From COOPERATIVE DEVELOPMENT AUTHORITY - REGION lllMost Outstanding Cooperative in Region lll

4 consecutive years CDA - Region lll(2015 - 2018)

HALL OF FAME AWARDEEFrom PROVINCIAL COOPERATIVE AND ENTERPRISE DEVELOPMENT OFFICE - BULACAN (PCEDO)

Gawad Pagkilala - for receiving various awards from ACCU, CDA Region lll and CDA National5 consecutive years PCEDO - Bulacan Special Awardee

(2014 - 2018)

HALL OF FAME AWARDEEFrom CITY COOPERATIVE DEVELOPMENT OFFICE Plaque of Recognition - for receiving various

awards from ACCU, CDA Region lll and CDA National5 consecutive years CCDO - CSJDM Special Awardee

(2014 - 2018)

InternAtIOnAL AWArD

nAtIOnAL AWArD

regIOnAL AWArD

PrOVInCIAL AWArD

CIty AWArD

Silver Brand Award For ACCESS Branding (Manila, Philippines, September 1, 2018)

3rd Placer Most Outstanding Primary Cooperative in the Philippines - Medium Scale Category (Billionaire Cooperative) (Novotel, Manila October 26, 2018)

Most Outstanding Cooperative - Large Scale Cooperative Billionaire Category (Convention Center, Lungsod ng Malolos, Bulacan, October 16, 2018)

3rd Placer Most Outstanding Cooperative - Large Scale Cooperative Billionaire Category National Level(Convention Center, Lungsod ng Malolos, Bulacan, October 24, 2018)

Plaque of Recognition for 3rd Most Outstanding Cooperative - Large Scale Billionaire Category(Star Mall, San Jose Del Monte, Bulacan October 26, 2018)

2 MASIKAP 1st Quarter 2019Newsletter

1st QuarterFeeding Program

By: Nancy P. Magno

Two days after the whole world celebrated “Hearts Day” or Valentine’s Day, February 16, 2019, San Jose Koop family, with some Members of the Board, Committee Members and some employees troop to Fr. Simpliciano Children’s Home, Inc. in Brgy. Graceville for the Quarterly Feeding Program. With the willingness To Serve and the heart that deeply cares for the children, we conducted the Feeding Program as part of San Jose Koop’s Community Development Project where members of San Jose Koop’s family acted as titos and titas to the children who were present.

We were greeted by the Home’s directress - Sr. Maria Febe L. Sineres, SFSC, who joined us, as each member of the San Jose Koop greeted the children and gave inspirational messages that I believe have inspired them a lot, considering that they were very responsive during the short program, I was truly moved by the smiles and short thanks of the children as we distribute the prepared snacks for them especially when some of them clings to us as their form of gratitude.

It was indeed a blessed day for each one of us, quoting Proverbs 22:9 “The generous will themselves be blessed, for they share their food with the poor.” May these children that have been fed felt that they are truly blessed and that they too in their own little way be able to share what they have and that it become a part of their lives, thus become a generous part of the society. May this undertaking of San Jose Koop continues so that the institution be blessed and continue to be a blessing to the community.


@ Health & Wellness Clinic, Tungkong Mangga Satellite OfficeJanuary 19, 2019

aboratory L Test


Muli ay matagumpay at maayos na ipinagdiwang ang ika-31 Taunang Pangkalahatang Pulong ng San Jose Koop noong ika-31 ng Marso, 2019. Ang unang bahagi ng General Assembly ay Banal na Misa sa Parokya ng San Jose del Monte sa ganap na ika-7:00 ng umaga. Ang programa ay nagsimula sa ganap na ika10:00 ng umaga na dinaluhan ng 12,787 na miyembro, kung saan 10,065 ang bilang ng mga MIGS at bumoto samantalang 2,722 naman ang lumagda sa attendance upang makaboto sa susunod na taon. Ang panauhing tagapagsalita ay si G. Benjie S. Oliva na isa sa mga Board of Administrators ng CDA.

Nagkaroon ng malayang talakayan ang mga miyembro na malugod namang sinagot ng ating butihing Chairperson Romeo A. de Jesus. Malugod namang pinagtibay ng kasapian ang agenda kung saan ang saping puhunan ng San Jose Koop ay tinaasan sa 801 million na dating 501 million. Napuno ng kasiyahan ang bawat miyembro na umasa na sila ay mapabilang sa mga masusuwerte na tumama sa raffle prizes. Ang palatuntunan ay nagtapos sa ganap na ika-5:00 ng hapon at sama samang umawit ang mga officers at members na magkakahawak -kamay sa saliw ng tugtuging IF WE HOLD ON TOGETHER…

Maligayang pagbati sa San Jose Koop at sa mga bilyonaryong kasapi….TOGETHER WE ARE STRONGER!

ANNUAL GENERAL ASSEMBLYMarch 31, 2019ANNUAL GENERAL ASSEMBLYst31 Ni: Wilma de Vera


KOOPERATIBA PHILLINE MINETTE N. PUNLA

Kooperatibang nagsimula sa maliit,Tanging layuni’y makatulong sa nagigipit,

Makatulong hindi lamang para sa sarili,Kundi para sa mga nakararami.

Tulong pinansyal para sa magandang kinabukasan,Tara kay San Jose Koop, ating pag-usapan,

Konting halagang iyong ilalagak,Kasiguraduhan nito ay maaasahan.

Kooperatibang hangad ay maiangat ka,Buhay ng bawat isa,

Ang San Jose Koop tutulungan ka,Paniguradong magtatagumpay ka

Hangad mapalawak kanyang nasasakupan,Sa Bayan ng San Jose naisakatuparan.

San Joseñong dati’y nahihirapan,Ngayo’y abot kamay na ang tagumpay.

Diba’y may layunin ka?Pangarap sa iyong pamilya?

Sama-sama nating Pagyamanin,Pagyabungin….

Magpapahuli ka pa ba?Dito ka na sa Kooperatibang sigurado ka!.


Month of February is National Dental Health Month. Every dentist all throughout the country celebrate this event. Every dental organization has their dental education, missions and other dental programs that can help Filipinos to be aware of the importance of oral health.

In San Jose Koop, as part of our Community Development Program, we held the Dental Awareness last March 2, 2019 at Barangay Loma de Gato, Marilao. The event was attended by some Barangay Officials of Loma de Gato and Officers & Employees of San Jose Koop. More or less 200 daycare students were educated of proper brushing and good oral hygiene by Dra. Cynthia Cabanza.

Hoping that this kind of project would help children to eliminate dental caries and maintain good oral health.

Ni: Dir. Jovita V. Mateo


Women’s Month

Breast & Cervical Cancer AwarenessMarch 22, 2019 at San Jose Koop

Health & Wellness Clinic


Grand Opening of San Jose Koop Health & Wellness Clinic

Ni: CEO CAROLINE D. DAVE

Noong nakaraang Enero 26, 2019 ay pormal na pinasinayaan ang pagbubukas ng SAN JOSE KOOP CLINIC na matatagpuan sa Tungko Satellite Office. Ang pagpapasinaya ay pinangunahan ni Fr. Arvin Jimenez ng St. Joseph the Worker Parish Church kasama ang mga director, empleyado at ilang miyembro ng SAN JOSE KOOP.

Kasabay nito ay nagtalaga ang SAN JOSE KOOP ng 2 doktors ( Dr. Leonardo Astete at Dr. Teofilo dela Cruz) at dalawang nurse upang basahin ang mga resulta ng Laboratory Blood Test na ginanap noong Enero 19, 2019 sa nasabing clinic. Humigit-kumulang sa 75 na pasyente ang nagpakonsulta ng libre sa dalawang doctor na ito at maresetahan ng kaukulang gamot para sa kanilang karamdaman.

Sa kasalukuyan ay bukas ang SAN JOSE KOOP CLINIC tuwing Sabado sa ganap na ika-9 ng umaga hanggang ika- 12 ng hapon para sa libreng konsulta para sa mga miyembro. Ang regular na doctor sa clinic ay si Dr. Leonardo Astete at ang company nurse na si Daisy Barredo.

Health is Wealth.. kaya po mahalaga na pangalagaan natin ang kalusugan ng ating mga miyembro upang sa gayon ay hindi ito maging balakid sa pagpapalago ng kanilang negosyo.

Maraming Salamat po at Mabuhay ang SAN JOSE KOOP.


By: Rowell D. Alarcon

Grand Opening

It has been another historic event for San Jose Koop, last 30th day of January, 2019. The first ever satellite office along Marilao, Bulacan area was opened to everyone. This is a way to expand our services to nearby Cities and Municipalities from the place of our origin, my beloved City of San Jose del Monte. It all started with a thanksgiving mass officiated by Rev. Fr. Arvin Ray Jimenez of St. Joseph the Worker Parish Church. Present that day are the ever dependable Chairman of the Board, Mr. Romeo de Jesus and CEO, Ms. Caroline Dave, who both led the ribbon cutting ceremony to kick off the Grand Opening of San Jose Koop, Loma de Gato Satellite Office and followed by a tour to the newly renovated three (3) floors building.

Together with other members of the Board of Directors, committees, management, staff, and special guests, we shared some food while watching SANJO the Mascot, danced and invite people to be part of one of the most progressive Cooperative in Asia. And what was really amazing that day? Everyone is thrilled to become a member.

To wrap up our Grand Opening, we accepted transactions such as new accounts, deposits, loan applications, loan payments and all of it went pretty well. So, it was a great day as a whole. Hope this office serves as a tool to improve lives of every Marileños. A historic event, indeed.

of 5th Satellite Office at Loma De Gato, Marilao


Skylab Corner


AS Of MArch 2019(in million Pesos)

total assets ( in Billion) 2.17 BLoan Receivable (Net) 1.27 BDeposits Liabilities 1.411 BOther Liabilities 58.46 MMembers Equity 508.70 MGen. Reserve Fund 110.19Net Surplus 32.35 MGross Revenue 53.89 M

Portfolio at Risk (PAR 1) 7.52%Portfolio at Risk (PAR 30) 4.46%COOP PESOS ratiNG 87.4%

Membership regular Member 35,595regular Associate 1,352youthbee 2,024Smarteens 561Total Membership 39,532


As of March 2019OUR OFFICIAL LIST OF PARTNERS

NOTE: NO KOOP I.D., NO DISCOUNTNO. NAME OF PARTNERS PRODUCT/SERVICES

OFFEREDDISCOUNT PROVIDED NOT INCLUDED

1. SKYLINE HOSPITAL & MEDICAL CENTER

Quirino Highway, Brgy. Sto. Cristo Skyline Road

Hospital Room Diagnostic Services

10% 3%

• Doctors fee and any other professional fees

• Can be combine with Senior Citizen discount

2. ABENSON VENTURES, INC. FAIRVIEW TERRACES

Audio Video & Home Appliances Furniture Items Electronics & Gadgets (Including Apple Products) Motorcycle

5%

5% 3%

3%

• Sales, Bundle Promos, exclusive promo, buy1 get 1 promo, buy 9 get 1 promo & corporate or bulk order prices

3. JP DIAGNOSTIC LABORATORYBrgy. Poblacion 1

Chest X-Ray PAV Urinalysis Stool Examination Complete Blood Count (CBC) FBS Cholesterol Triglycerides Creatinine BUN Uric Acid HDL/LDL/VLDL E.C.G. SGPT SGOT Pregnancy Test

P 50 P 20 P20 P25

P 20 P 30 P 50 P 20 P 20 P 40 P 50 P 50 P 50 P 50 P 50

• Cannot be combine with Senior Citizen & PWD discount

4. LABPRO DIAGNOSTIC CENTERGate of Pecson Subd. Brgy.

Tungkong Mangga

Diagnostic Test 5-20% • Cannot be combine with Senior Citizen & PWD discount

5. TECH-MED MEDICAL & LABORATORY SERVICES

Brgy. Poblacion 1

Laboratory Work Ups 10% • Cannot be combine with Senior Citizen & PWD discount

6. IDEAL VISION CENTERUGF SM San Jose del Monte, Brgy.

Tungkong ManggaAll Ideal Vision Center

EYE WEAR 10% • promo products are not entitled for discounts

7. MT. GRACE GENERAL HOSPITALQuirino Highway Brgy. Mulawin

IN-PATIENT HOSPITAL SERVICES RIGHT MED PRODUCTS LAB TEST

10%

20% 3%

• Doctors or Professional Fee• Cannot be combine with

Senior Citizen & PWD discount

8. MEIREN WELLNESS SPASt. Vivian Plaza, Brgy. Muzon

SPA SERVICES 5% - During Monday to Thursday 10% - during Friday to Sunday

• promo packages are not entitled for discounts

9. BOUNTY EMISSION TESTING CENTER

Brgy. Poblacion 1

SMOKE EMISSION TEST ONLY 10%

SAN JOSE KOOP PARTNERS


10. CUT N SLICE RESTAURANT & DELICACIES

Brgy. Poblacion 1

FOODS:Worth – P 500Worth – P 1,000 DELICACIES

5% 10% P 10/Box


11. ROAD 1 PHARMACY & CONVENIENCE STORE

Road 1, Brgy. Minuyan Proper

MEDICINES 4% • Special Product discounts as mandated by Owner


12. THE GENERICS PHARMACYBrgy. Poblacion 1

MEDICINES 4% • Special Product discounts as mandated by TGP

• Cannot be combined with Senior Citizen & PWD discount

13. BRIGINO GENERAL HOSPITAL INC.Quirino Highway, Brgy. Tungkong

Mangga

CONFINEMENT LABORATORY GENERIC MEDICINES

12% 10% 20%

• Special Product discounts as mandated by BRIGINO GEN. HOSP.


14. PASCO’S FOOD ENTERPRISES (Pares & Sizzling Ave. / Uncle

Chef )UGF Food Court STARMALL, Brgy.

Kaypian

Fast Food Service Food worth P 500 and above

5% • Cannot be combine with Senior Citizen & PWD discount

15. FAITH MEMORIAL HOMESBrgy. Gaya-Gaya

Funeral Service 20% • Cannot be combine with Senior Citizen & PWD discount

16. HONDA CARS OF BULACANMarilao Bulacan

Cars Service / Labor Parts Accessories

P 5,000 off 5% 5% 10%


17. HERSHEY’S FURNITUREMuzon

Furniture 10-25% • Sales, Bundle Promos, exclusive promo, buy1 get 1 promo,

18. DAVID’S TEA HOUSE-2ND Floor SM San Jose del

Monte

Restaurant 10-15% Cannot be combine with Senior Citizen & PWD discount

19. TARA LET’S CAR WASH Car Wash Services Interior Detailing – Less 10%Acid Rain Removal – Less 10%Engine Wash – Less 5%

Cannot be combine with Senior Citizen & PWD discount

20. DOC RJ MEDICAL CLINICPoblacion 1Mobile No.

0993-58124210966-7861063

Medical Clinic Consult. – 200Labs:Cholesterol – 300Uric Acid – 150Blood sugar – 100ECG – 200If member of san Jose Koop Total Package is P 650 only


21. NESIATOVA TRAVEL AND TOURS Travel and Tours For Domestic Flights – P 500 OffFor International Flights – P 1,000 Off


22 HAMSUN E-VEHICLES Electric Bike 6% per unit Cannot be combine with Senior Citizen & PWD discount


Member’s Benefit


FEATURED PRODUCTS


Blg. Petsa ng Kamatayan

Saping Bilang Pangalan Kabuuang

AbuloyAbuloy ng

Bawat KasapiBilang ng

Kasapi

1 1/2/2019 16038 JAYOMA, MARIO 177,684.00 6 296142 1/7/2019 46161 CAPIT,ELPIDIA 89,148.00 3 297163 1/7/2019 35059 MELGAR, EDWIN 207,886.00 7 296984 1/10/2019 833 LaBraGUE LOUrDES 297,990.00 10 297995 1/10/2019 56261 DE MESA, TEODORA 29,775.00 1 297756 1/16/2019 41260 CANTIL,ERLINDA 119,868.00 10 299677 1/20/2019 50642 GAMIS,MAGDALENA 60,054.00 2 300278 1/20/2019 6028 SANTIAGO,CHARITO 300,590.00 10 300599 1/24/2019 45247 CASTOR, ERNESTO 90,432.00 3 3014410 1/24/2019 45067 MENDOZA, LUISITO 90,411.00 3 3013711 1/26/2019 7468 BERNABE, CONSUELO 30,180.00 1 3018012 1/28/2019 1693 AVENA,GLORIA 302,180.00 10 3021813 1/28/2019 6683 TOVERA, DEMETRIO 302,170.00 10 3021714 1/29/2019 37571 VEGA,HUGO 181,434.00 6 3023915 1/29/2019 9087 NOLASCO,PAMFILO 120,940.00 4 3023516 1/29/2019 1521 BRIGINO,EVELYN 302,360.00 10 3023617 1/29/2019 9970 TARALA,DOMINGO 302,350.00 10 3023518 2/3/2019 784 FRANCISCO,GLICERIO 303,400.00 10 3033019 2/9/2019 7818 BELLO,LILIAN 304,830.00 10 3048320 2/15/2019 7903 MENDOZA, DANILO 304,875.00 9.96 3061021 2/9/2019 8466 ALVAREZ, REYNALDO 304,780.00 10 3047822 2/18/2019 44234 SUPE,MAGDALENA 121,827.39 3.97 3089723 1/30/2019 45685 DECENA, MONICA 90,792.00 3 3043324 2/10/2019 50862 NOLASCO,PAMFILO 60,956.00 2 3072025 2/24/2019 17355 TEOPE, EMMA TAÑON 121,979.80 3.96 3080326 2/25/2019 5780 BATINGAN, REMEDIOS 299,742.38 9.73 3080627 2/28/2019 43526 BERNARDINO, ANGELITA 119,670.84 3.88 3084328 1/29/2019 60535 CALUGAY, JOSEPHINA 30,327.00 1 3043329 3/4/2019 8349 RAYO, URBANO 299,813.40 9.72 3084530 3/4/2019 39992 LOZADA, RANDY 149,607.95 4.85 3084731 3/5/2019 10621 HALUGAY,REMEDIOS 299,813.40 9.72 3084532 3/7/2019 8645 CASAS, MARICEL DEL VALLE 119,923.04 3.88 3090833 11/30/2019 43902 NATIVIDAD, ROCEY SY 96,268.00 4 2406734 3/9/2019 2478 RODIL, DANTE 299,807.60 9.7 3090835 3/9/2019 60567 MAGBANUA,JADE GYWNNFRY 29,981.73 0.97 3090936 3/8/2019 49678 CARANAY, MARISSA 59,963.46 1.94 3090937 3/2/2019 50651 SAGUISAG, CESSIMIL 59,835.42 1.94 3084338 3/8/2019 57312 LINQUICO, ANGELUZ 29,982.70 0.97 3091039 3/11/2019 36723 COSICO, VICTORIA 207,977.28 6.72 3094940 3/16/2019 1 AVANCEÑA, FLORDELIZA 299,773.81 9.59 3125941 3/13/2019 8443 HABAN,ROSITA 299,908.88 9.61 3120842 3/18/2019 57719 PANGAN, LAURA 29,720.75 0.95 3128543 3/17/2019 1824 VISTA, IRENE 299,975.20 9.59 3128044 2/10/2019 641 FAILANO, GENEROSA 304,975.20 10 3047745 3/13/2019 62349 UMALI, NESTOR 29,962.56 0.96 3121146 3/24/2019 59306 BRAULIO, ROMEO 29,887.00 0.96 3146047 3/30/2019 3967 AVENDAÑO, ATANACIA 299,938.76 9.46 3170648 3/31/2019 33876 PEDRASA, JEFFREY 208,618.90 6.58 31705

40 6/28/2017 34960 Kabuuang Abuloy 8,524,367.45 285.61 22714

Kabuuang Bilang ng Yumaong Kasapi 48 Kasapi

AbuluyAn progrAm - First QuArtEr oF 2019


COOPpolicyupdates

3 Minimum loan amount for secured and unsecured loan should not be less than Php2,000.00. (BOD Res. No. 2230)

3 Amendments to the procedure of Member Get Member Program (BOD Res. No. 2257)

OBJECTIVES: To provide cash incentives based on recruitment.

• Applicant must accomplish the membership form and include the name of her COOP-Guardian (Recruiter) under the “Inirekomenda ang pag sapi ni” to acknowledge the recruiter.

• The applicant may pay the following options:

Regular Membership Share Capital - P 1,000.00 Membership Fee - P 100.00 Seminar Fee - P 50.00 Koop ID - P 80.00 ---------------- Total = P 1,230.00

Regular Membership (w/ Damayan) Share Capital - P 5,000.00 Membership Fee - P 100.00 Seminar Fee - P 50.00 Koop ID - P 80.00 Damay-Impok - P 800.00 ---------------- Total = P 6,030.00

• Cash incentives will be deposited automatically in the savings account of COOP-Guardian (recruiter), or upon membership of her recruit he can ask for her cash incentives at the Member Services Unit to facilitate the release of her cash incentives.

3 Amendments to the procedure of BayadMongSakto May Panalo Promo (BOD Res. No. 2258)

OBJECTIVES: To establish policy in granting incentives to our members who religiously settle their accounts directly to the main and satellite offices of SJDMSCC.

COVERAGE: All types of loan are entitled to raffle stub and souvenir items according to its points earned.

• The following items may be redeemed per accumulated points earned by each member:

5 points Coop Fan or Paper Weight 10 points Souvenir Mug 15 points tumbler 20 points Umbrella• Prizes are as follows:Quarterly Raffle Prizes: Grand Raffle Prizes:1st Prize - P 3,000.00 1st Prize - P 10,000.002nd Prize - P 2,000.00 2nd Prize - P 7,000.003rd Prize - P 1,000.00 3rd Prize - P 3,000.00

Cash incentives for recruiter: P50.00

Cash incentives for recruiter: P100.00

}

}

From ToLoan was paid on time or one (1) day before maturity date.

Loan was paid on time or on before the maturity date member is entitled for points and raffle stub but within the month it was due.For the check and auto debit payment raffle stubs and receipts must be claimedwithin six (6) months, and failure to do so will result to the forfeitureof their raffle stubs. Raffle ticket and stub can be claimed at Credit and Collection Department upon presentation of proof of payment.


@ SAN JOSE KOOP’SSHARE CAPITAL SUBSCRIPTION BRACKET CHALLENGE

(CAPITAL BUILD-UP PROGRAM)

1. OBJECTIVE: To strengthen the asset-based of coop from members and to promote the financial stability of San Jose Koop through continuous capital build-up. To allow the continuing growth of the members’ investments in San Jose Koop for our own economic improvement.

2. HOW TO JOIN?

2.1. For every completion of the share capital bracket, members are entitled for the equivalent raffle ticket.

2.2. All Regular Members of San Jose Koop can join this program except all officers and management staff.

2.3. Raffle stub shall be issued once when member reaches the share capital bracket. The deducted share capital on loan proceeds is not included.

3. RAFFLE GUIDELINES:

3.1. For every P 50,000 share capital subscribed and fully paid the member shall be entitled to one raffle stub. All stubs shall be claimed at the MSBDO Department. Issuance of raffle stub shall be based on the official receipt issued by the tellers.

3.2. Raffle draw shall be done quarterly and with a total P 10,000 worth of prizes.

1st Prize - P 5,000.002nd Prize - P 3,000.003rd Prize - P 2,000.00

3.3. Grand raffle draw is on March 2020 during the General Assembly of San Jose Koop. Total prizes shall be worth of P 20,000.

Grand Prize - P 10,000.002nd Prize - P 7,000.003rd Prize - P 3,000.00

3.4. Members with multiple raffle stubs have the chance to win every raffle draw.

3.5. Names of winners shall be posted on the bulletin board of San Jose Koop.

4. PROMO PERIOD: February 2019 – February 2020

LoyaltyProgram


FUNDAMENTALS OF COOPERATIVE SEMINAR

Tell me and I forget, teach me and I remember, involve me and I remember.- Benjamin Franklin

As the newest part of San Jose Koop family, newly hired employees were gathered to attend a two-day seminar held last February 2&9, 2019 at San Jose Koop Raiffeisen Hall, together with the other employees which was facilitated by Vice Chairman Richard Española Avena.

The motive of the seminar is to involve and to inform the employees on how a cooperative runs. Also, different activities were happened and participated by every attendees which was the primary objective is to give oneness in each group. There, we learned thoroughly how cooperative started, the success stories and the people behind it. Let me share you a short history of it.

Began in 1884, when the Rochdale Society of Equitable Pioneers established the “Rochdale Pioneers” on which they ran their cooperative, that the basis for development and growth of the modern cooperative movement was established. Proving as well that thru honesty and cooperation of each members will brought success to a cooperative.

As time passes by, as cooperative are getting urbanized and innovated. Financially, cooperative banks, called credit unions in the United States, were invented in Germany in the mid 19th century. First by Franz Hermann Schulze Delitzsch (who formed the “First Bank”), then by Friedrich Wilhelm Raiffeisen, the “Father of the Credit Union Movement”, whose also motivated by the desire to assist poor farmers on the grip of “loan sharks” or those we called bumbays/fivesix (5/6).

Meanwhile in the Philippines, at the turn of the century, Filipinos, in increasing number, traveled and studied abroad and brought home with them new ideas. It was the group of Filipinos who were in close in contact with the new economic movement in Europe. Two names worthy of note were Dr. Jose P. Rizal and Teodoro Sandiko.

When Rizal was arrested for treason and banished to Dapitan, Zamboanga del Norte. In Dapitan, Rizal had his ideas in cooperation partially fulfilled. Rizal put up a school for the poor community on a purely cooperative basis. He also established a cooperative store with the help of his pupils. One noteworthy group organized by Rizal was the La Sociedad de los Abacaleros (Society of Abaca Producers). This functioned only for one year. Rizal returned the members share capital with any loss.

Teodoro Sandiko, who traveled in Europe, who came across with the Raiffeisen movement in Germany, was very much impressed by this type of cooperative and he looked forward for an opportunity to have it introduced here in the Philippines. As the destiny might have its choice. Sandiko had his chance when he was appointed one of the early governors when civil government, under the Americans, was established.

In the span of time, history has told stories of success in the spirit of cooperation built with every member of one’s organization. There is no way to spur powerful advantage in such fields as an individual but to go along together. From then on, cooperatives have made its way and have continuously been reaching people regardless of its economic status beyond the reach of the basic demands and needs of every people. Just like Robert Owen says, “If you want something done, do it yourself”.

Staff, Look & Listen

Gisselle Bautista


MASiKAP is the official gazette of the San Jose del Monte Savings and Credit Cooperative, with the editorial office at SJDMSCC Building, San Pedro St. Poblacion 1, City of San Jose del Monte, 3023 Bulacan, Philippines. For inquiries, comments, suggestions or contributions, call us (044) 815-21-66 and 307-0526, telefax 913-7744, E-mail at [email protected] or visit us at www.sanjosekoop.com

List of Acquired Properties for SALE

SAVINGS DEPOSIT REGULAR ASSOCIATE1.00% 0.25%

30 days /1 month

90 days /months

180 days / 6 months

270 days / 9 months

360 days /12 months

10,000 - 499,999 1.5% 1.75% 2% 2.25% 2.5%500,000 - 999,999 2.5% 2.75% 3% 3.25% 3.5%1 M - 2,999,999 3.5% 3.75% 4% 4.25% 4.5%3 M & Above 4.5% 4.75% 5% 5.25% 5.5%

Interest Rates

• In case of pre-termination or withdrawal is made before due date, interest rate shall be based savings deposit rate (regular/associate). • If not renewed at maturity, interest rate shall be computed based on one(1) month term. • Once partial withdrawal is made, the balance shall be considered as new placement, same term shall apply and interest rate varies based on the remaining

amount. • This Policy applies per certificate of Time Deposit.

Regular and Other Savings: 1% net per annum

[email protected] www.sanjosekoop.com [email protected] (044)815-2466

TITLE TCT NO. LOCATION AREA-SQ.M. CLASSIFICATION SELLING PRICE040-2017017696 Partida, Brgy. Muzon (Besides Partida Elem. School) 883 Residential (Vacant Lot) 1,766,000.00

040-2018011053 Bo. Of Sto. Cristo 13,457 Cogon Land 9,419,900.00

040-2018011052 San Vicente, Sta . Maria 12,503 Agri/Bacood 8,752,100.00

040-2018006661 Sitio Gulod, San Vicente, Sta. Maria 2,000. Agri/Bacood 3,000,000.00

040-2018011529 Brgy. Kaypian 444 Residential 1,332,000.00

040-2018002840 Norzagaray Bulacan (Near Elem. School) 310 Residential Commercial 2,000,000.00

040-2018011527 Tigbe Nor. Bulacan 333 Residential 1,200,000.00

040-2015001434 Brgy. San Pedro Area F., S. Palay 331 Residential 993,000.00

040-2018006530 Kaypian Road Brgy. Kaypian Csjdmb 750 Residential 2,250,000.00

NEW tCt NO. B- 122 L- 11 Moldex Sapang Palay. 123 Res. Subd. 1,205,400.00

------------------------- B- 119 L- 09 Moldex Sapang Palay. 120 Res. Subd. 1,176,000.00

------------------------- Area B, Sapang Palay (along E.V.Roquero Ave.) 661 res. Comm. 10,576,000.00

------------------------- *Bijasa Comp. Gaya-Gaya 203 Residential 450,000.00

------------------------- *PNWC B-7 L-27 PH-3B Palmera, Kaypian. 56 Res. Subd. 300,000.00

------------------------- *Igay Sto. Cristo, along Quirino Hi-Way 40 res. Comm. 1,300,000.00

------------------------- *Ph-1 La Pob. Muzon 36 Res. Subd. 400,000.00

------------------------- *RD.12 Minuyan, Sapang Palay 108 Residential 400,000.00

------------------------- *Area B. Rancho Bawang, Sapang Palay 657 Residential 985,500.00

------------------------- *Panaklayan, Muzon Near Pabahay 2000 1,500 Bacood 2,250,000.00

------------------------- *Ph-F Brgy. Narra F. Homes 240 Res. Subd. 1,200,000.00

TERMS AND CONDITIONS :• Method of Payment : Cash or installment basis.• The reservation fee of P 10,000 for the property is good only for a period of 30 days and 20% shall be forfeited to

cover administrative expenses.• For buyers on installment basis, 15% downpayment is required and the remaining 85% shall be payable at maximum

term of ten (10) years at interest rate of 12% per annum diminishing balance.

Any prospective taker may inquire with the Cash and Investment Management Operations Dept. thru Eugene DT. Cabuhat, Investment and RPA Officer with contact no. 0999-3616842/(044)8152166 and negotiate as regards the selling price with the approval of the Board of Directors.

SAN JOSE KOOP · Pangkalahatang Pulong ng San Jose Koop noong ika-31 ng Marso, 2019. Ang unang...

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Transcript of SAN JOSE KOOP · Pangkalahatang Pulong ng San Jose Koop noong ika-31 ng Marso, 2019. Ang unang...