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About Us

HISTORY

The Sto. Rosario Multi-Purpose Cooperative was organized through the initiative of Fr. Rod Samson, our parish priest.  He invited speakers from a Cooperative from Bulacan to conduct a series of seminars on Cooperatives. When he was transferred to another parish, Msgr. Alberto Suatengco continued his advocacy.

We started with fifty two (52) cooperators who were parishioners of Our Lady of the Holy Rosary Parish with the initial share capital of fifty three thousand pesos (P53,000.00)

 

SRMPC was registered at Cooperative Development Authority on December 15, 1994 and re-registered on February 11, 2010 under RA 9520-16007893. 

 

To continue our operation, we hold our office below the stairs of the parish church and all the staff were all volunteers until such time that our income can sustain our daily operation.  After a year, we moved to a rented building opposite the parish church with the vision of maintaining a spiritually healthy community to its mission of helping improve the quality of life of its members through livelihood projects and seminar workshops.

 

From its original 53 members, the cooperative increased the membership to 3,600 with the share capital of One hundred fifty two million six hundred eighty seven thousand three hundred pesos only. (152,687,300.00) and with a total Assets of Three hundred thirty six million eighty two thousand one hundred six and 09/100  pesos (P336,082,106.09) for the year ended.

 

Through the efforts of its officers, management staff and its members, the cooperative reached the large category and with three (3) peat awards as Best Large Cooperative in the whole Valenzuela form 2021, 2022 & 2023.

 

With God’s guidance, we will continue our journey until we meet our ultimate dream wherein every member of our cooperative will live in dignity.

LEADERSHIP

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Membership

I. SINO ANG MAAARING SUMAPI?

Ang kasapian ay bukas para sa lahat na may edad labing walo (18) pataas, katoliko at naninirahan sa lunsod ng Valenzuela at lalawigan ng Bulacan.

II. ILAN AT ANO ANG URI NG KASAPIAN?

1. REGULAR MEMBER

Lahat ng mamamayang katoliko na may sapat na gulang at nakatira sa lunsod ng Valenzuela at lalawigan ng Bulacan.

2. ASSOCIATE MEMBER

May edad na animnapu't lima (65) pataas, hindi katoliko, at nakatira sa lugar na hindi nasasakupan ng Valenzuela at Bulacan.

PAANO MAGING GANAP NA KASAPI?

  1. Dumalo sa PMES (Pre-Membership Education Seminar) at COVS (Cooperative Ownership and Values Seminar).
  2. Mag-fill-up ng Membership Form.
  3. Magbayad ng P100.00 para sa Membership Fee.
  4. Magbayad ng P500.00 para sa Tulong Kamay-ari Fund.
  5. Magbayad ng P50.00 para sa I.D.
  6. Magbayad ng saping puhunan na P3,000.00 o higit pa.

    Ito ay HINDI nawi-withdraw. Maaaring magbayad ng paunang P300.00 ngunit ang kabuuang P3,000.00 ay dapat bayad sa loob ng anim (6) na buwan, upang hindi ito mawala (forfeit).

  7. Magpasa/magbigay ng 2 x 2 ID Picture (2 pcs).
  8. Tax Identification Number (TIN).

MGA SERBISYONG IPINAGKAKALOOB NG KOOPERATIBA SA MGA KAMAY-ARI

  1. Patuloy na paghubog sa mga kamay-ari, pagbibigay ng mga pag-aaral sa pagiging isang mabuting kristiyanong kamay-ari.
  2. Paghihikayat sa mga kamay-ari ng pag-iimpok tulad ng pagtanggap ng:
    1. Savings / Pag-iimpok
      1. Regular Savings
      2. Restricted Savings
      3. Angels Savers Club (kiddie deposit) - para sa mga anak, apo o kamag-anak may edad 0-7.
      4. Lab Coop - para sa 7-17 edad.
        • Share Capital P300.00
        • Membership Fee P50.00
        • Savings Deposit P100.00 pataas
    2. Time Deposit - P1,000.00 pataas.
      1. Regular TD - P10,000.00
  3. Pagpapautang para sa iba't-ibang uri ng pangangailangan, pangkagitan at para puhunan sa negosyo/hanapbuhay.

SERVICES

LOAN SERVICES (PAGPAPAUTANG)

  1. Share Based Loan
  2. Livelihood Loan
  3. Loan Against TD
  4. Collateralized Loan
  5. Appliance Loan
  6. Motorcycle Loan
  7. Housing Lot Loan
  8. Travel Loan
  9. Memorial Lot Loan (Ever, Tierra Santa,
  10. Garden of Shiloh, at Manila Mem.– Bul.)
  11. Other Types of Loan
ANGEL SAVERS CLUB A savings product for children aged 0-6 years old.
LABORATORY COOP For minors above seven (7) years old to below eighteen (18) years old, must subscribe and pay the required minimum share (common) capital of three hundred (P300.00) pesos and membership fee of fifty (P50.00) pesos and may also have a savings deposit for a minimum of one hundred (P100.00).
TIME DEPOSIT Time deposits can either be 1-year term deposit or locked in for three years or more. Interest rates vary depending on the terms and the amount of deposit based on a graduated schedule. Interest rate ranges from 1.25% to 4% per annum.
SHARE BASED LOAN General loan services equal to 80% of the member’s share capital. Available immediately. Currently charges 6% straight interest per annum.
PROVIDENTIAL LOAN A loan for urgent needs such as medical, educational, and other emergencies.
LIVELIHOOD LOAN A loan for business capital and entrepreneurial ventures.
RESIDENTIAL LOAN A loan for the purchase of a residential house and lot, house construction, lot development, or home improvement.
LOT & FARM LOT LOAN A loan that can be used to purchase vacant land from the cooperative or from other sellers.
HOUSING LOAN A loan granted to a member-borrower for construction or renovation of a house.
MEMORIAL LOT LOAN A financing service for purchasing memorial lots, which are assets held for sale by the cooperative.
COLLATERALIZED LOAN A loan granted to a member-borrower with collateral such as land and house titles, vehicle OR/CR, and other pledged assets.
CAR LOAN A loan specifically for purchasing vehicles.

OTHER SERVICES

  1. Livelihood
  2. Pagtitinda ng basic commodities sa ating Co-op Store
  3. TRAININGS
  4. TULONG KAMAY-ARI FUND
  5. DIVIDEND AND PATRONAGE REFUND

COOP OWNERSHIP & VALUES SEMINAR

C

Capitalized by Members

O

Owned by Members

O

Operated by Members

P

Patronized by Members

COOPERATIVE PRINCIPLES

  1. Bukas at Malayang Kaisipan (Open & Voluntary Membership)
  2. Demokratikong Pamamahala (Democratic Member Control)
  3. Pangkabuhayang Partisipasyon ng mga Kasapi (Member Economic Participation)
  4. Awtonomiya at Kasarinlan (Autonomy & Independence)
  5. Edukasyon, Pagsasanay at Impormasyon (Education, Training & Information)
  6. Pagtutulungan ng mga Kooperatiba (Cooperation among Cooperatives)
  7. Pagpapahalaga sa Pamayanan (Concern for Community)

MGA KARAPATAN NG MGA KAMAY-ARI

Ang isang kamay-ari ay may dalawang personalidad sa kooperatiba:

1. Bilang bahagi ng isang kabuuan

Kasama ka sa pagpapatakbo ng kooperatiba.

  • Para sa mga regular members, karapatang bumoto at kumandidato sa elective positions sa kooperatiba.
  • Sumali sa talakayan sa lahat ng pagpupulong.

2. Bilang Indibidwal na Kamay-ari

  • Tumanggap ng serbisyo ng walang pagtatangi pagkatapos makasunod sa patakaran.
  • A.1 Patuloy na paghubog sa mga kamay-ari tulad ng pagbibigay ng mga pag-aaral tungkol sa pagiging isang mabuting Kristiyano.
  • A.2 Pag-utang para puhunan sa pangkabuhayan at pangkagipitang pangangailangan.
  • A.3 Paggawa ng mga proyektong pangkabuhayan.
  • B. Tumanggap ng benepisyo mula sa Tulong Kamay-ari Fund (TKF).
  • C. Tumanggap ng dibidendo at balik tangkilik.

TUNGKULIN NG ISANG KASAPI

  1. Tumulong sa pagdagdag ng puhunan ng kooperatiba.
  2. Patuloy na pagpapalago sa saping puhunan.
  3. Mag-impok sa pamamagitan ng Savings, Time Deposits, Lab Coop para sa mga anak, apo o kamag-anak na may edad 7-17, at Angel Savers Club para sa mga 0-7 taong gulang.
  4. Tangkilikin ang lahat ng serbisyo na inaalok ng koop sa maayos na paraan.
  5. Dumalo sa General Assembly at sa lahat ng pagpupulong, pag-aaral at makiisa sa lahat ng gawain.
  6. Sumunod sa lahat ng patakaran ng kooperatiba.

PARAAN NG PAG-UTANG

Ang isang bagong kamay-ari ay maaari nang umutang labinglimang (15) araw pagkatapos mailagak ang buong saping puhunan matapos masunod ang mga panuntunan:

1
Sagutin ang lahat ng katanungan sa Loan Application form (bago at dating kamay-ari).
2
Isumite ang loan application form sa opisina at may pagtatasang isasagawa ang pamunuan. Kung share based loan, maaari nang hintayin ang pag-release ng loan kapag naaprubahan.
3
Kung mababa sa P500,000.00, isusunod ang pag-interview ng Credit Committee sa araw na itatakda. Kung higit sa P500,000.00, ang Board of Directors ang magdedesisyon, matapos isagawa ang Credit Investigation.
4
Ipapaalam sa kamay-ari ang naging desisyon ng Credit Committee at BOD, kung naaprubahan ang kanyang loan.
5
Itatakda ng opisina ang release ng loan.

MAGKANO ANG MAAARING UTANGIN?

Unang Pag-utang

Share capital based loan na walumpung bahagdan (80%) ng halagang saping puhunan (Regular at Associate).

Susunod na pag-utang

a. Walumpung bahagdan (80%) ng halaga ng saping puhunan (regular at associate) o higit pa (regular members only) depende sa paying capacity ng isang kamay-ari at iba pang bagay na dapat isaalang-alang.

b. Kailangan ng kamanggagawa kung higit sa halaga ng saping puhunan ang uutangin.

GAANO KATAGAL ANG PAGBABAYAD SA LOAN?

Ang isang term o tagal ng pagbabayad sa utang ay pwedeng:

3 buwan · 6 na buwan · 12 buwan · 18 buwan · 24 buwan o maaaring pahabain pa ang termino ng utang.

Ang hulog ay dapat bayaran kada linggo o kada buwan.

ANU-ANO ANG MGA BINABAYARAN NG UMUUTANG?

1.
Interes
Base sa lumiliit na balanse o reducing/diminishing balance.
2.
Filing Fee
3.
Service Fee
2% but not to exceed P10,000.00
4.
Capital Build Up
2% na idadagdag sa saping puhunan.
5.
Penalty
2% kada buwan kapag ang pagbabayad sa installment due ay lumampas sa pitong (7) araw na palugit.
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