Membership Seminar Editorial Office 12 - 13 - Distribution of School Supplies Ms

SAN JOSE KOOP SAN JOSE DEL MONTE SAVINGS AND COOPERATIVE

Management Board

Chair. ROMEO A. DE JESUS CHAIRPERSON

CEO CAROLINE D. DAVE CHIEF EXECUTIVE OFFICER

Atty. NATHANIEL B. BILOCURA LEGAL COUNSEL Editorial Board

EDITOR-IN-CHIEF Vice Chair. RICHARD E. AVENA

ASSOCIATE EDITORS Mr. RODOLFO Z. GADO Ms. MARISSA C. PANTALEON CONTENTS Mr. MORRIS DANIEL BRODITH 3 - Chairperson’s Corner 4 - Clean Up Drive COnTRIBUTORS Ms. CAROLINE D. DAVE 5 - Tree Planting Mr. RICHARD E. AVENA Mr. RODOLFO Z. GADO 6 - Feeding Program @ San Isidro Ms. MARISSA C. PANTALEON Ms. NYRALYN N. DELA TORRE 7 - 2nd Quarter Feeding Program @ Fr. Simpliciano Ms. ELVIRA S. DEL ROSARIO Ms. RODALYN A. BAUTISTA 8 - Discounted Laboratory Test Fr. ARVIN RAY C. JIMENEZ Ms. GLENDA LORENZO 9 - Medical & Dental Mission Mr. EUGENE CABUHAT Ms. RASEL B. STA. MARIA 10 - 3rd Business Forum 11 - Mobile Pre-Membership Seminar Editorial Office 12 - 13 - Distribution of School Supplies Ms. Nyralyn N. Dela Torre OFFICE MANAGER and hygiene kit Mr. ELVIRA S. DEL ROSARIO 14 - 15 - Youth Summer Workshop ASSISTANT OFFICE MANAGER 16 - 17 - San Jose Koop Partners Mr. MORRIS DANIEL BRODITH GRAPHIC ARTIST 18 - Member’s Benefits 19 - New Products MASIKAP o MAgasing SInasalamin ang KAPatiran ng mga MAmamayang SImbolo ng KAunlaran at Pag-asa is the 20 - Abuluyan Program Updates official gazette of the San Jose Del Monte Savings and Credit Cooperative published quarterly with the editorial office at ADMIN 21 - Coop Policy Updates Office 2nd Floor SJDMSCC Building, San Pedro St. Poblacion 1, City of San Jose del Monte, Bulacan 3023, Philippines. 22 - Loyalty Program Tel. No.: (044) 815-21-66 (PLDT) Mobile no.: 0943-6088076 23 - Staff, Look and Listen E-mail: [email protected] Website: www.sanjosekoop.com Facebook: www.facebook.com/sjdmscc hairpers on's orner CRomeo A. De Jesus (CPA) The WOCCU Forum - World Council of Credit Union Forum this year was held at Singapore last July, some members of the BOD, me and the Acting CEO attended the Forum. This is the second time that I have attended the WOCCU Forum. When I was the treasurer of The Philippine Federation of Credit Cooperative (PFCCO), I was included in the list of Philippine delegates to attend the Forum which was held in Cork City Ireland in 1996. Comparing the WOCCU Forum in Ireland and Singapore which is 22 years apart, I found that there is big disparity on the various topics discussed.

In the 2018 Forum, they were already introducing topics on Robotics, Artificial Intelligence as well as transactions done in Credit Union not on personal basis but using new gadgets available in the market. In my personal opinion, the cooperatives in the Philippines are not yet ready to embrace those advance mechanical gadgets or machines that can be used by the Cooperatives in the future. Being a Third World Country, it will take years before we can learn and use the above machines. At least we know what the future will look like in the cooperative sector.

Asian Confederation of Credit Union (ACCU) Forum

Being a supporter member of ACCU, we were again invited to attend the General Assembly and Educational Forum of ACCU which was held in Manila last September. We were again one of those awarded with Silver Medal. Only two in the Philippines were given this award. We attended several break-out sessions with topics ranging from information technology and Formation of Unified Cooperative Federation or Union of each member countries.

The Silver Award was given by ACCU since we maintain the standard set for the four (4) perspectives required to be an ACCESS Brand Awardee. The four perspectives were based on the balance scorecard as formulated by various professors in business at Harvard University USA. Each perspective was graded individually based on the following criteria:

1.Customers/Members - To achieve our Mission how should we appear to customer/Members.

2.Internal Business Process - To satisfy our shareholders and customer/ member what business process must we excel in.

3.Learning & Growth - To achieve our vision on how will we sustain our ability to change or improve.

4.Financial - To succeed financially, how should we appear to shareholders/ Members.

It is our dream that we attain the highest score possible in order that we can reach the possible score needed for the Gold Award of ACCESS BRAND.

MASIKAP Newsletter 3rd Quarter 2018 1 San Jose Koop for Receiving various awards Congratulations

InterNATIONAL AWARD From ASSOCIATION OF ASIAN CONFEDERATION OF CREDIT UNIONS Silver ACCESS Brand for 2018 8 consecutive years ACCESS Brand Awardee (5 Bronze 2010-2015 and 3 Silver 2016-2018)

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

NATIONAL AWARD From COOPERATIVE DEVELOPMENT AUTHORITY - NATIONAL 3rd Placer Most Outstanding Primary Cooperative - Medium Scale Category (Billionaire Cooperative) in the Philppines for 2018 4 consecutive years CDA - National Awardee (2015 - 2018) 3rd Placer Most Outstanding Primary Cooperative in the Philippines - Medium Scale Category (Billionaire Cooperative) (Novotel, Manila October 26, 2018)

regIONAL AWARD From COOPERATIVE DEVELOPMENT AUTHORITY - REGION lll Most Outstanding Cooperative in Region lll 4 consecutive years CDA - Region lll (2015 - 2018)

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

PROVINCIAL AWARD HALL OF FAME AWARDEE From PROVINCIAL COOPERATIVE AND ENTERPRISE DEVELOPMENT OFFICE - BULACAN (PCEDO) Gawad Pagkilala - for receiving various awards from ACCU, CDA Region lll and CDA National 5 consecutive years PCEDO - Bulacan Special Awardee (2014 - 2018)

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

City AWARD HALL OF FAME AWARDEE From CITY COOPERATIVE DEVELOPMENT OFFICE Plaque of Recognition - for receiving various awards from ACCU, CDA Region lll and CDA National 5 consecutive years CCDO - CSJDM Special Awardee (2014 - 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 Newsletter 3rd Quarter 2018 Feeding Program @ LICAO-LICAO Ni: Dir. John Paul G. Villar

Isa sa mga programa na regular na ibinibigay ng San Jose Koop kada dalawang buwan ay ang Feeding Program. Mahalaga para sa ating Kooperatiba na magampanan at maitaguyod ang ganitong mga programa sapagkat sa pamamagitan nito ay nakakatulong tayo upang maisaayos ang kalusugan ng mga batang San Joseño at sa ilang lugar na ating nasasakupan.

Noong ika-14 ng Agosto 2018 ay nagsagawa ng “Feeding Program” ang ating San Jose Koop sa Religious Missionaries of the Divine Savior sa Sitio Licao-Licao, Barangay San Isidro, Lungsod ng San Jose del Monte, Bulacan. Ang nasabing institusyon ay pinangangasiwaan ng mga madre na kumukupkop at kumakalinga sa mga batang dumagat na iniwan nan g kanilang mga magulang. At kada dalawang buwan ay nagbibigay tayo ng isang kaban ng bigas at nagdadala din tayo ng mga pagkain na pinagsasaluhan ng mga bata.

Nakakalungkot isipin na sa mga mura pa nilang edad ay dumaranas na sila ng mga ganitong pagsubok sa kanilang buhay. Maswerte ang mga kabataan na kasama ang kanilang mga magulang na sila mismo ang kumakalinga at nag aaruga sa kanila. Subali’t hindi rin naman sila pinabayaan ng ating Panginoong Maykapal sapagka’t patuloy pa rin naman ang pagpapadala ng ating Diyos ng mga taong kakalinga sa kanila.

Nawa’y sa pamamagitan ng simpleng pagkain at simpleng pagtulong ng ating San Jose Koop ay maramdaman ng mga bata na hindi sila nag iisa, mahal sila ng Diyos at hindi sila pinababayaan.

Ang ganitong programa rin naman ay isa sa mga prinsipyong pinaiiral ng mga kooperatiba, ang pagtulong at pagmamalasakit sa komunidad. Mabuhay ka San Jose Koop at sanay patuloy kang gamitin ng ating Panginoon sa pagpapalaganap ng pagkalinga sa ating komunidad.

MASIKAP Newsletter 3rd Quarter 2018 3 Free Eye Consultation & Cataract Surgery By: Dra. Jovita Mateo

Every year, we celebrate month of August as “Senior Citizen’s Month”. As part of the celebration, San Jose Koop created a “Free Eye Consultation and Cataract Surgery Program” for senior members of San Jose Koop in cooperation with Skyline Eye Center’s program “Eye Care, We Care”. With the help of Opthalmologists from Skyline Eye Center, a total of 107 senior members of San Jose Koop were given a free eye check-up and three of them have undergone the free cataract operation.

With this regard, San Jose Koop would like to thank Dr. Maya Fe N. Daruan, Dr. Benjamin E. Bunyi, Dr. Marco A. Tumalad, Dr. Gary Mariano, Dr. Majourette D. Varela and Dr. Alain P. Arcega for the support for our members. San Jose Koop may continue the “Free Eye Consultation and Cataract Operation” program for those members who need the service, and hoping that we can continue to provide other services needed by our members.

4 MASIKAP Newsletter 3rd Quarter 2018 reeBy: Dir. LydiaPlanting Mangubat

San Jose Coop together with 17 other Cooperatives in Bulacan participated in a tree planting activity organized by Bulacan Cooperative Hall of Fame League Union at Barangay Pulo, San Rafael, Bulacan last August 15, 2018 as part of our commitment in promoting sustainability and protecting the environment. Our contingent was made up of board members, committee members and coop staff.

Planting a tree is like investing for our future, not only for us but for our future grandchildren. It’s like saving and investing money in our cooperative, we save and invest to have a brighter future ahead. Each tree that we plant absorbs the carbon dioxide in the air, and that prevents global warming, produces the oxygen we breathe in, soaks up in each roots the life-saving water that flows through the rivers, dams and finally to our faucets.

If each Filipino would plant at least 1 tree in their lifetime, our rainforest would thrive again to give benefit not only to the animals but the whole ecosystem which each forest supports, including human lives as we exist in connection with nature. People should give back what we have taken from the environment and the best way to give back to nature is to plant trees that sustain life in this plant, for without trees, the ecosystem is incomplete and would not sustain life.

MASIKAP Newsletter 3rd Quarter 2018 5 District 2 Cluster Meeting

District 2 Cluster Meeting August 20, 2018 Ni : Johnalan P. Borbon Muli na namang nagdaos ang ating mahal na San Jose Koop ng pagtitipon na dinaluhan ng mahigit sa 900 kasapi sa ikalawang distrito ng San Jose del Monte na ginanap sa National Trade School nuong ika 19, ng Agosto 2018 upang malaman ang mga pangkasalukuyang kaganapan na ipinaiiral ng kooperatiba na patuloy na nagsasaliksik upang mas maiparating sa mga kasapi ang tunay na kahulugan ng pagkakasapi nila sa kilusan. kasapi na syang nakatakda sa ating misyon na mabigyan ng magandang kalidad ng paglilingkod Ilan sa mga paksang tinalakay ay ang tungkol sa ang ating mga kasapi na patuloy na tumatangkilik sa ACCESS Branding, Ang SKYLAB KOOP na para sa programang ating inihahandog Maraming salamat mga batang magaaral edad 17 pababa, ang mga sa mga kasapi na walang sawang sumusuporta sa pagbabago ukol sa mga inihahandog na serbisyo kilusang kooperatiba sa ating bayan at asahan ng kooperatiba partikular sa pagpapautang, mga nyo na hindi po tyo titigil upang mas maihatid karagdagang serbisyo, Advances sa Damay impok, ang iba pang serbisyong inyong hinihiling sa ating mga gampanin ng isang kasaping nasa mabuting ipinamigay na survey nuong kayo ay nagpatala sa katayuan, paghahain ng kaukulang amyenda ating mga kawani, dagdag pa na sa bandang huli ng patungkol sa paghahalal ng nanunungkulang palatuntunan ay nagpamahagi ng raffle na cash at opisyales ng kooperatiba at iba pa na patungkol sa mga souvenir item Bayad mong Sakto may Panalo kasapian ng San Jose Koop. at raffle para sa mga kasaping nagdadagdag ng Saping Puhunan para sa kasapian at may anunsyo Matagumpay nating nagawa ang nasabing rin ng insurance program ang ating collection pagtitipon dahil maaga pa lamang bago ang partner (BAYAD CENTER) para sa mga kasapi sa itinakdang oras ng pulong ay marami na agad magaan na halaga lamang na tinalakay ng kanilang and nagsidating tunay na hindi maililingid ang kawani upang maipaliwanag sa kasapian. pagmamahal at interes ng mga kasapi sa SAN JOSE KOOP. Minarapat ng pamunuan na taon taon Hanggang sa muling pagtitipon ang kooperatiba ay makapagdaos ng katulad na pagpupulong ay asahan ninyong patuloy na makikinig sa inyong sa kadahilanang hindi lahat ng usaping nais mga kahilingan at nawa ay patuloy tyong pagpalain talakayin tuwing taunang pangkalahatang pulong ng ating Mahal na Poong Diyos, Mabuhay ang ay natatalakay ang mga usaping nakakaapekto , kasapian ng San Jose Koop Mabuhay ang kilusang at nakakatulong sa personal na interes ng bawat Kooperatiba!

6 MASIKAP Newsletter 3rd Quarter 2018 District 1 Cluster Meeting Ni : Arlene A. Toledo

Noong nakaraang ika 2 ng Setyembre 2018, nagkaroon muli ang ating KOOP ng 2nd ownership meeting at ito ay ginanap sa Gaya- Gaya Elementary School. Muling binigyan ng pagkakataon ang ating mga kasapi na hindi nakadalo noong nakaraang General Assembly upang maging Member in Good Standing damayan Advances, Coop Partnership and Loyalty at makaboto sa susunod na taon. Inumpisahan Program. KAYA, Share Capital (incentives) Savings ang ownership meeting sa ganap na ika -1 ng and Time Deposit (tentative) Operation Hours, Loan hapon at ang lahat ng dumalo sa nasabing cluster and Collection Process. Sa nasabing cluster meting meeting ay nakatanggap ng abaniko. Kaugnay nito, marami sa ating mga kasapi ang nalaman ang ipinaliwanag ang mga sumusunod: Maging Member mga bagong pangyayari sa ating Coop. At muling in Good Standing, Insurance, Coop health and naging matagumpay ang 2nd cluster meeting ng Hospitalization discount, SKYLAB, Damayan and ating Coop.

Ownership Cluster Meeting Ni : Merlita B. Gonzales

serbisyo, katangian ng kasapi, mga katangian ng Damay-Impok Advances at Damay Impok at kung paano ito maaavail, mga ibat ibang uri ng kinakailangan sa pangungutang at kung anu ang haharapin natin sa darating na eleksyon sa General Asssembly. Dahil ditto naging mainit ang talakayan patungkol sa advances Noong nakaraang September 22, ginanap ang ikatlo sa damayan sapagkat ang ating membership at huling Ownership Meeting ng San Jose Koop sa o kamay-ari ay hindi na bumabata. Upang maibsan Event Hall, Starmall San Jose del Monte kung saan ang kainitan ng talakayan nagkaroon tayo ng dinaluhan ito ng mahigit kumulang 177 miyembro. paraffle sa halagang P500 bawat 10 miyembrong Sinimulan ang pulong ng isang panalangin at mabubunot. Bago matapos ang programa, binola unang pag bati ng ating Chairperson of The Board rin natin ang 3rd Quarter Bayad mong Sakto May na si G. Romeo A. de Jesus. Sa Ikatlong pagkakataon Panalo Raffle Promo at ang Share Capital Build-up tinalakay ang Katayuang pam-pinansyal ng Raffle Promo. Kooperatiba, ACCESS, mga karagdagang uri ng

MASIKAP Newsletter 3rd Quarter 2018 7 SkyLab Coop Ang San Jose del Monte Kiddie and Youth Laboratory Cooperative o “SKYLabCoop” ay narehistro sa Cooperative Development Authority o “CDA” noong May 10, 2018 na may layuning ituro sa mga bata ang kahalagahan ng pag-iipon, maging mga susunod na myembro at taga- pamuno ng kooperatiba at magkaron ng mga pag-uugali na makakatulong sakanilang pag-aaral, pag-tatrabaho at pagiging isang mabuting mamayan sa pamamagitan ng mga seminar at mga activities mula sa SKYLabCoop at San Jose Koop.

8 MASIKAP Newsletter 3rd Quarter 2018 Note:

Gusto po naming ipabatid sa inyo na ang youth bee at smarteens ay hindi na po maaring depositohan, Ito po ay maaari nalang i-withdraw o ipagpatuloy sa SKYLABCOOP. isang bagong kooperatiba para sa mga bata na may edad 6-17 gulang na nasa pamamahala ng SAN JOSE KOOP kailangan lang na magpamember sa halagang 100 pesos at magdeposit ng 100 pesos para sa share capital.

MASIKAP Newsletter 3rd Quarter 2018 9 Care

By: Wilma D. De Vera AccuOIC – Chief Executive Officer

10 MASIKAP Newsletter 3rd Quarter 2018 2018 The Asian Credit Union Forum 2018 was held at Crowne Plaza Hotel from September 13 to 15, 2018 with the theme Rekindling Raiffeisen’s Ideologies in the Heart of Every Credit Union. The event was represented by 561 delegates from 23 countries. Being the host country, San Jose Koop was very proud to receive the SILVER ACCESS ACREDITATION AWARD along with other Asian countries like Nepal and Indonesia.

One of the activities in the forum is the Coop Visit last September 13, 2018 wherein San Jose Koop was chosen as one of the destinations along with other 10 primary Coops in Metro Manila and Bulacan. A total of 40 delegates from different Asian countries, London and other parts of the Philippines were overwhelmed by the hospitality and warm welcome we accorded them, upon their arrival a welcome garland and a group of students serenated them with Filipino Folk Songs with their rondalla instruments. Snacks consisting of Filipino delicacies were served after they tour different offices of San Jose Koop. While taking their lunch at Grotto Vista Resort, performers from FCPC showcased different Filipino cultural dances and some of the delegates participated and enjoyed the “Maglalatik Dance”.

It was such a tiring but enjoyable day because we know that all the delegates felt the warm welcome and hospitality Filipinos are known for and even prouder that they have visited our San Jose Koop Office.

MASIKAP Newsletter 3rd Quarter 2018 11 SAN JOSE KOOP PARTNERS As of September 21, 2018 OUR OFFICIAL LIST OF PARTNERS

NOTE: NO KOOP I.D., NO DISCOUNT PRODUCT/SERVICES DISCOUNT NO. NAME OF PARTNERS NOT INCLUDED OFFERED PROVIDED 1. SKYLINE HOSPITAL &  Hospital Room  10% • Doctors fee and any other MEDICAL CENTER  Diagnostic Services  3% professional fees Quirino Highway, Brgy. Sto. • Can be combine with Cristo Skyline Road Senior Citizen discount

2. ABENSON VENTURES, INC.  Audio Video & Home  5% • Sales, Bundle Promos, FAIRVIEW TERRACES Appliances exclusive promo, buy1  Furniture Items  5% get 1 promo, buy 9 get  Electronics & Gadgets  3% 1 promo & corporate or (Including Apple Products) bulk order prices  Motorcycle  3%

3. JP DIAGNOSTIC  Chest X-Ray PAV  P 50 • Cannot be combine with LABORATORY  Urinalysis  P 20 Senior Citizen & PWD Brgy. Poblacion 1  Stool Examination  P20 discount  Complete Blood Count  P25 (CBC)  FBS  P 20  Cholesterol  P 30  Triglycerides  P 50  Creatinine  P 20  BUN  P 20  Uric Acid  P 40  HDL/LDL/VLDL  P 50  E.C.G.  P 50  SGPT  P 50  SGOT  P 50  Pregnancy Test  P 50 4. LABPRO DIAGNOSTIC  Diagnostic Test  5-20% • Cannot be combine with CENTER Senior Citizen & PWD Gate of Pecson Subd. Brgy. discount Tungkong Mangga 5. TECH-MED MEDICAL &  Laboratory Work Ups  30% • Cannot be combine with LABORATORY SERVICES Senior Citizen & PWD Brgy. Poblacion 1 discount 6. IDEAL VISION CENTER  EYE WEAR  10% • promo products are not UGF SM San Jose del Monte, entitled for discounts Brgy. Tungkong Mangga All Ideal Vision Center

12 MASIKAP Newsletter 3rd Quarter 2018 7. MT. GRACE GENERAL  IN-PATIENT HOSPITAL  10% • Doctors or Professional HOSPITAL SERVICES Fee Quirino Highway Brgy.  RIGHT MED PRODUCTS  20% • Cannot be combine with Mulawin  LAB TEST  3% Senior Citizen & PWD discount 8. MEIREN WELLNESS SPA SPA SERVICES  5% - During • promo packages are not St. Vivian Plaza, Brgy. Muzon Monday to entitled for discounts Thursday  10% - during Friday to Sunday 9. BOUNTY EMISSION TESTING SMOKE EMISSION TEST  10% CENTER ONLY Brgy. Poblacion 1 10. CUT N SLICE RESTAURANT &  FOODS: • Cannot be combine with DELICACIES Worth – P 500  5% Senior Citizen & PWD Brgy. Poblacion 1 Worth – P 1,000  10% discount  DELICACIES  P 10/Box 11. ROAD 1 PHARMACY & MEDICINES  4% • Special Product CONVENIENCE STORE discounts as mandated Road 1, Brgy. Minuyan by Owner Proper • Cannot be combine with Senior Citizen & PWD discount 12. THE GENERICS PHARMACY MEDICINES  4% • Special Product Brgy. Poblacion 1 discounts as mandated by TGP • Cannot be combined with Senior Citizen & PWD discount 13. BRIGINO GENERAL CONFINEMENT  12% • Special Product HOSPITAL INC. LABORATORY  10% discounts as mandated Quirino Highway, Brgy. GENERIC MEDICINES  20% by BRIGINO GEN. HOSP. Tungkong Mangga • Cannot be combine with Senior Citizen & PWD discount

14. PASCO’S FOOD ENTERPRISES Fast Food Service  5% • Cannot be combine with (Pares & Sizzling Ave. / Uncle Food worth P 500 and Senior Citizen & PWD Chef) above discount UGF Food Court STARMALL, Brgy. Kaypian 15. FAITH MEMORIAL HOMES Funeral Service  20% • Cannot be combine with Brgy. Gaya-Gaya Senior Citizen & PWD discount 16. HONDA CARS OF BULACAN Cars  P 5,000 off • Cannot be combine with Marilao Bulacan Service / Labor  5% Senior Citizen & PWD Parts  5% discount Accessories  10% 17. HERSHEY’S FURNITURE Furniture  10-25% • Sales, Bundle Promos, Muzon exclusive promo, buy1 get 1 promo,

MASIKAP Newsletter 3rd Quarter 2018 13 Chinese National visited By: Rudolf Z. Gado San Jose Koop Chief Member Services and Business Development Officer

On September 18, 2018 at around 9:30 in the morning, San Jose Koop warmly welcomed a guest all the way from China, Ms. Theresa Taozhigiong who was accompanied by Ms. Mabel Gulay, a cooperative friend from COOP-NATCCO Party List.

The purpose of their visit is to bench mark the success of San Jose Koop and adopt our best practices. According to Ms. Theresa, China is a communist country and credit union is not legally or duly registered in this country because traditionally Chinese government provides loan to their constituents, but most of the people in their country are not paying back of their loans. Chinese people were thinking that the money they’ve received is government money so therefore there’s no need to pay the loan that was according to their cultural perception.

During the interview Ms. Theresa was truly amazed on the accomplishment of San Jose Koop especially when she saw the recognition and awards that our San Jose Koop received. She said that Philippines were really advanced when it comes to cooperative movements and operations. China is now on their first step of recognizing the significance and value of credit union. And on the case of San Jose Koop, we are honored to be one of the cooperative that Ms. Theresa Taozhigiong, a Chinese National, is something to look up to, and it is indeed that San Jose Koop and San Joseños must be proud of. Ms. Theresa is hoping that China will have a cooperative like San Jose Koop someday.

Congratulations San Jose Koop for receiving the 2nd Silver Brand award from ACCESS last September 2018. Keep up the good work and let God be the center of our operations.

14 MASIKAP Newsletter 3rd Quarter 2018 FINANCIAL HIGHLIGHTS As of September 2018 (in million Pesos) Total Assets ( in Billion) 1.917 B Loan Receivable (Net) 903.41 M Deposits Liabilities 1.23 B Other Liabilities 49.08 M Members Equity 458.12 M Gen. Reserve Fund 87.57 M Net Surplus 55.19 M Gross Revenue 118.42 M

Portfolio at Risk (PAR 1) 7.96% Portfolio at Risk (PAR 30) 4.93% COOP PESOS RATING 86.6%

Membership Regular Member 32,026 Regular Associate 1,371 Youthbee 2,732 Smarteens 708 Total Membership 36,837

MASIKAP Newsletter 3rd Quarter 2018 15 Member’s Benefit Libreng Business Signage sa mga Miyembro Ni: Rowell D. Alarcon Bilang bahagi ng patuloy na pagseserbisyo sa ating mga minamahal na kasapi, mas pinaigting ng San Jose Koop sa pamamagitan ng Member Services and Business Development Office, ang pamimigay ng libreng business signage sa mga negosyante ng Brgy. Poblacion at mga kalapit na lugar tulad ng Brgy. Dulong Bayan, Sapang Palay Proper at iba pa.

Layunin ng nasabing proyekto ang promosyon ng mga kalakal at produkto ng ating mga kasapi. Nawa ay lalong dumami ang tumangkilik at patuloy ang magandang progreso ng nasabing mga establisimiyento.

Sa mga gusto pang magpagawa, magsadya po lamang sa ating mga opisina o tumawag sa numero (044) 815-21-66 o (0943) 608-80-76.

Mabuhay ang San Jose Koop. Mabuhay ang Kilusang Kooperatiba. Pagpalain po tayong lahat ng Poong Maykapal.

16 MASIKAP Newsletter 3rd Quarter 2018 FEATURED PRODUCTS

I. How to Avail? • Can be availed during the month of November and December. • Members can avail a minimum amount of P5,000.00 and maximum of P10,000.00 • 1 co-maker is required. • No penalty incurred for the period of 1 year.

II. Terms of Payment: • P1 0,000.00 and below- Payable in 3months • P1 0,000.00 to P20,000.00- Payable in 6months • Monthly payment or COD (cash on due date)

Ill. Interest Rate: • 1 °/o per month in periodic/diminishing computation.

HEALTH INSURANCE PACKAGE

Package 1 60,000.00 per illness/year Ward Plan (P 30*000.00 single Ages 12-65.6 confinement) PLAN 3,600 (P 10.00/day) • APE (X-Ray, CBC, Urine Test, 60,000.00 per illness/year Stool (P 30*000.00 single Test and Physical Exam) -20,000.00 Amount of coverage confinement) • Out Patient and In Patient -Yearly renewable insurance • APE (X-Ray, CBC, Urine Test, • ERuptoMBL -No medical examination needed Stool • Financial Assistance Test and Physical Exam) Plan Benefits: • Out Patient and In Patient Package 3 It covers the hospitalization in-patiente xpenses like room • ERupto MBL Ward Plan & board, Surgical, Physician, Laboratory, Medicines and • Financial Assistance Ages 71-75.6 other expenses that are necessary for the treatment of DENTAL SERVICE; PLAN 1 0,800 + 350 PF (P 31. / patient in excess of Phil health and other HMO benefit up • Simple Tooth Extraction day) to the maximum amount of coverage and does not cover • Annual prophylaxis 60,000.00 per illness/year out-patient expenses and medicine bought after the • Temporary Filing (P 3’01000.00 single confinement period. • Consultation confinement) • APE (X-Ray, CBC, Urine Test, Age requirements: Package 2 Stool Principal & spouse must be 18-69 years old Ward Plan Test and Physical Exam) Up to 3 children who are 21 years old below Ages 66-70.6 • Out Patient and In Patient PLAN 7,200 + 350 PF (P 21.00/ • ERuptoMBL Plan Premium Cost: day) • Financial Assistance 2,000.00 per year per member and their dependents insured.

MASIKAP Newsletter 3rd Quarter 2018 17 Abuluyan program - third QUARTER of 2018 Petsa ng Saping Kabuuang Abuloy ng Bilang ng Blg. Pangalan Kamatayan Bilang Abuloy Bawat Kasapi Kasapi 1 7/8/2018 57195 BIAGTAS, PHILIP 27,286.00 1 27286 2 7/9/2018 3922 ABLAN, LOURDES 273,080.00 10 27308 3 7/10/2018 21045 PENAMANTE, MA. MERCEDES 244,305.00 9 27145 4 7/10/2018 12330 APRESTO, PEDRO ALMAZOR 273,300.00 10 27330 5 7/11/2018 37540 APOSTOL, MA. TERESA 164,070.00 6 27345 6 7/14/2018 25112 BAUTISTA, MA THERESA 164,322.00 6 27387 7 7/18/2018 41599 BRAULIO, ALICIA MORERA 109,688.00 4 27422 8 7/19/2018 9020 VILLENA, VILMA GARINGALAO 274,360.00 10 27436 9 7/24/2018 44320 SICAL, NHOMIE CASTRO 82,425.00 3 27475 10 7/24/2018 41014 ABELA, VICENTE DIAZ 82,425.00 3 27475 11 7/28/2018 17598 BRIGINO, ROMEO 165,150.00 6 27525 12 7/29/2018 8118 IGNACIO, JENNIFER ELFA 275,250.00 10 27525 13 7/30/2018 37738 METILLA, WALTER 82,626.00 3 27542 14 7/30/2018 46783 MARANON, ALEXANDER SINIGUIAN 55,074.00 2 27537 15 7/31/2018 54082 BERNARDO, ESTELITA GOLE 27,107.00 1 27107 16 7/30/2018 8456 DOMINICE, ANGELINA M. 275,450.00 10 27545 17 8/1/2018 48991 ACOSTA, ROLANDO 55,124.00 2 27562 18 8/3/2018 17598 BRIGINO, ROMEO 165,150.00 6 27525 19 8/7/2018 46155 MATEO GERARDO 55,266.00 2 27633 20 8/7/2018 22323 GUMAFELIX, CORNELIO 82,899.00 3 27633 21 8/9/2018 54211 BARBA, RENE 27,687.00 1 27687 22 8/11/2018 43005 LAZO, ROGELIO LAPITAN 110,808.00 4 27702 23 8/11/2018 43529 BUENAVENTURA, DIONISIO 83,106.00 3 27702 24 8/16/2018 45742 DELOS SANTOS, MANUEL 83,310.00 3 27770 25 8/18/2018 43532 HIZON, RUBEN LEGASPI 83,388.00 3 27796 26 8/21/2018 52306 FELIAS, MARLYN BATINO 27,818.00 1 27818 27 8/21/2018 26244 DEL ROSARIO, FIDEL VALENCIA 139,090.00 5 27818 28 8/22/2018 54552 GALLARDO, MA. SHEILA EDLYN REGALADO 27,836.00 1 27836 29 8/22/2018 30359 HERMOGENES, LARRY 194,873.00 7 27839 30 8/22/2018 58101 HIDALANAN, WILFREDO 27,836.00 1 27836 31 8/24/2018 38767 TUMAMPO ANTONIO 139,265.00 10 13927 32 8/26/2018 13981 BERNARDEZ, NORA 278,620.00 10 27862 33 8/31/2018 25566 MILALLOS, DEOGRACIAS 278,990.00 10 27899 34 8/31/2018 56442 PRAXIDES, NELSON TUAZON 27,887.00 1 27887 35 9/2/2018 53200 BALIAT, PAULA GUILALAS 27,899.00 1 27899 36 9/8/2018 48604 DELA CRUZ, JOSE PELAYO 56,108.00 2 28054 37 9/9/2018 49376 BUAN, MARIA SARAH 56,104.00 2 28052 38 9/9/2018 1969 JIMENEZ, VENERABLE 280,540.00 10 28054 39 9/14/2018 16822 CRUZ, LAURO 196,847.00 7 28121 40 9/15/2018 42305 DUCOS, TERESITA 112,484.00 4 28121 41 9/17/2018 31477 CARIL, ANDRES 224,952.00 8 28119 42 9/18/2018 51497 BALAIS, PILAR REYES 28,177.00 1 28177 43 9/18/2018 204 NATIVIDAD, TEOFILO 282,170.00 10 28217 44 9/20/2018 36941 BIBE, CHARITO 169,278.00 6 28213 45 9/26/2018 36625 ENCARNADO, ANACORETA 113,136.00 4 28284 46 9/29/2018 8990 DELFIN, ROSARIO 283,220.00 10 28322 47 9/29/2018 15030 MARCELO, MARCIANO 169,788.00 6 28298 40 6/28/2017 34960 Kabuuang Abuloy 6465574 238 22714

Kabuuang Bilang ng Yumaong Kasapi 120 KASAPI

18 MASIKAP Newsletter 3rd Quarter 2018 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 pagsapi ni” to acknowledge the recruiter. • The applicant may pay the following options:

Regular Membership Share Capital - P 1,000.00 Cash incentives for Membership Fee - P 100.00 recruiter: P50.00 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 Cash incentives for Seminar Fee - P 50.00 recruiter: P100.00 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 COOP 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. policy 3 Amendments to the procedure of Bayad Mong Sakto 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 updates main and satellite offices of SJDMSCC. COVERAGE: All types of loan are entitled to raffle stub and souvenir items according to its points earned. From To Loan was paid Loan was paid on time or on before the on time or one maturity date member is entitled for point (1) day before and raffle stub but within the month it was maturity date. due. For the check and auto debit payment raffle stubs and receipts must be claimed within six (6) months, and failure to do so will result to the forfeiture of their raffle stubs. Raffle ticket and stub can be claimed at Credit and Collection Department upon presentation of proof of payment.

• 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 *Items listed above are subject to change by the management, as per recommendation to the Board. • Prizes are as follows: Quarterly Raffle Prizes: Grand Raffle Prizes: 1st Prize - P 3,000.00 1st Prize - P 10,000.00 2nd Prize - P 2,000.00 2nd Prize - P 7,000.00 3rd Prize - P 1,000.00 3rd Prize - P 3,000.00 MASIKAP Newsletter 1st Quarter 2018 19 Loyalty Program

20 MASIKAP Newsletter 3rd Quarter 2018 Staff, Look & Listen

Mid Year Assessment As the year half way mark passes, San Jose Koop Officers together with selected management staff held its Mid-Year Assessment last August 11-12 at Royce Hotel, Pampanga. The activity aims to review the business processes and check the accomplishment of operatins against the targets for the last six months.

MASIKAP Newsletter 3rd Quarter 2018 21 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 sanjosekoop1987@gmail. com or visit us at www.sanjosekoop.com

List of Acquired Assets Available for SALE

Title No. Location AREA-SQ.M. Classification Price Status

PARTIDA, BRGY. MUZON (BESIDES PARTIDA ELEM. RESIDENTIAL 040-2017017696 883 SQ.M. 1,766,000.00 AVAILABLE SCHOOL) (VACANT LOT)

040-2017020139 SITIO HULO, PATAG STA. MARIA 157 SQ.M. RESIDENTIAL 314,000.00 AVAILABLE

T-55623 (M) BO. OF STO. CRISTO 13,457 SQ.M. COGON LAND 9,419,900.00 AVAILABLE

RESIDENTIAL 040-2017019654 RD.12 MINUYAN (ALONG MAIN RD.) 338 SQ.M. 4,350,000.00 AVAILABLE W/ IMPROVEMENTS RESIDENTIAL 040-2017002952 F. HOMES BRGY. MULAWIN 1,450 SQ.M. 3,625,000.00 AVAILABLE (VACANT LOT) T-191613 (M) SAN VICENTE, STA . MARIA 12,503 SQ.M. AGRI/BACOOD 8,752,100.00 AVAILABLE

040-2018006661 SITIO GULOD, SAN VICENTE, STA. MARIA 2,000 SQ.M. AGRI/BACOOD 3,000,000.00 AVAILABLE

LIKOD SIMBAHAN, LOMA DE GATO, MARILAO BACOOD-ACTUAL 040-2016031898 1,600 SQ.M. 1,600,000.00 AVAILABLE BULACAN. USE-RESIDENTIAL

T-475695 (M) BRGY. KAYPIAN 444 SQ.M. RESIDENTIAL 1,332,000.00 AVAILABLE

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, 25% down payment is required and the remaining 75% 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 Department and negotiate with the Cooperative as regards the selling price with the approval of the Board of Directors.

EUGENE D.T. CABUHAT - INVESTMENT & ROPA OFFICER- 0999-361-68-42/ 815-21-66

Interest Rates

Time Deposit - Regular Members 30 days / 90 days / 180 days / 270 days / 360 days / 1 month months 6 months 9 months 12 months 10,000 - 499,999 1.50% p.a 1.75% p.a 2% p.a 2.25% p.a 2.50%p.a 500,000 - 999,999 2.50% p.a 2.75% p.a 3% p.a 3.25% p.a 3.50% p.a 1 M - 2,999,999 3.50% p.a 3.75% p.a 4% p.a 4.25% p.a 4.50% p.a 3 M & Above 4.50% p.a 4.75% p.a 5% p.a 5.25% p.a 5.50% p.a

• 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

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