san jose koop · 6. the law of solid ground – trust is the foundation of leadership. 7. the law...

SAN JOSE KOOPSAN JOSE DEL MONTE SAVINGS AND COOPERATIVE

CHAIRPERSONChair. rOMEO a. DE JESUS

CHIEF EXECUTIVE OFFICERCEO CarOLiNE D. DaVE

LEGAL COUNSELatty. rODELiO B. PUNZaLaN

EditOriAl BOArd

EditOriAl OfficE

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

ASSOCIATE EDITORSMS. MariSSa C. PaNtaLEON

Mr. MOrriS DaNiEL BrODith

CONTRIBUTORMS. MiChELLE C. CrUZMS. CarOLiNE D. DaVE

MS. NyraLyN N. DELa tOrrEMS. MariSSa C. PaNtaLEON

MS. Mary GraCE B. aLEMS. GLENDa M. LOrENZO

MS. WiLMa DE VEraMr. EUGENE D. CaBUhat

MS. Mary aNN aNGEL DOMiNGOMr. EUGENE CaBUhat

Mr. MOrriS DaNiEL BrODithMr. Mia GraCE V. EVaNGELiStaMS. PhiLLiNE MiNEttE N. PUNLa

MS. GiSSELLE BaUtiStaMS. LOriE aNrOL M. LOZaNO Mr. JOSE Mari L. DUraNtE

OFFICE MANAGERMS. NyraLyN N. DELa tOrrE

GRAPHIC ARTISTMr. MOrriS DaNiEL BrODith

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 Corner

2 - 8 Regular Activities Business Development Services Feeding Program & Rice Donation for Home for

the Elderly Exposure Program @ Seoul, South Korea Clean-Up Drive 2019 Zumba Festival 32nd year Anniversary “Thanksgiving Mass” Medical Mission

9 Skylab Corner

10 - 11 Main Event

12 Member’s Corner

13 - 20 For Your Information Financial Highlight as of June 2019 Policy Updates New Features Products San Jose Koop Partners Abuluyan Program 2nd Quarter 2019 Loyalty Program Member’sBenefit

21 Staff’s Corner

CONTENTS

Hi i am sanjo! THe official

mascoT of

san jose Koop

Chairperson’s Corner

Romeo A. De Jesus, CPA

TEAM BUILDING ACTIVITY After the successful holding of our 31st General Assembly, the Officers and Employees of San Jose Koop went to Aureo Beach Resort in La Union, for their annual Team Building Activities. This activity is very important for an organization as these will show how people of different background, different personalities as well as experiences and ambitions can cooperate with one another to attain a common goal. The active participation of all officers and employees in various sports and other activities clearly demonstrate that being together in work and play makes us stronger.

DEVELOPMENT OF MANAGERS/LEADERS

As we are now expanding rapidly our cooperative by opening branches in the different parts of our locality it is my feeling that we must start developing people who will someday be promoted as Officers and Managers. Vacancies for higher positions will surely arise when we expand our operations. By targeting P3 Billion Assets by 2020, we will manage our bigger resources so this early we shall start developing managers and leaders in our organization. Author John Maxwell wrote in his book entitled “ The Gift of Leadership”, where he mentioned about the 21 Irrefutable Laws of Leadership, these will surely help aspiring managers and leaders to be successful in their job once they promoted.

1. The Law of the Lead – leadership ability determines a person’s level of effectiveness.2. The Law of Influence – the true measure of leadership is influence nothing more

nothing less.3. The Law of Process – leadership develops daily, not in a day.4. The Law of Navigation – anyone can steer the ship, but it takes a header to Chart

the Course.5. The Law of Hutton – when the real leader speaks, people listen.6. The Law of Solid Ground – trust is the foundation of leadership.7. The Law of Respect – people naturally follow leaders stronger than themselves.8. The Law of Intuition – leaders evaluate everything with a leadership bias.9. The Law of Magnetism – who you are is who you attract.10. The law of Connection – leaders touch a heart before they ask for a hand.11. The Law of Inner Circle – a leader potential is determined by those closest to him.12. The Law of Empowerment – only secure leader give power to others.13. The Law of Reproduction – it takes a leader to raise up a leader.14. The Law of Buy In – people buy into the leaders, then the vision. 15. The Law of Victory – leaders find a way for the team to win.16. The Law of Big Mo – momentum is a leader’s best friend. 17. The Law of Priorities – leaders understand that activity is not necessarily means

accomplishment.18. The Law of Sacrifice – a leader must give up to go up.19. The Law of Timing – when to lead is as important as what you to and where to go.20. The Law of Explosive Growth – to add growth, lead followers to multiply leaders.21. The Law of Legacy – a leader’s lasting value is measured by succession.

Chairperson’s Corner

MASIKAP 2nd Quarter 2019Newsletter 1

Trainers Training on Business Development Services for Credit Unions

regular aCtivities

To provide best business opportunities for San Jose Koop members, we attended the Trainer’s Training on Business Development Services for Credit Unions together with cooperative leaders from 30 other participating countries which was organized by the Association of Asian Confederation of Credit Unions (ACCU) and sponsored by the National Credit Union Federation of Korea (NACUFOK) held last March 31 – April 6, 2019 in Bangkok, Thailand.

This workshop merely focuses on the promotion and support to members’ businesses particularly the unemployed women and youth as it plays an important role in community development, economic growth and poverty elimination. Also, this is in response to 2030 Agenda for Sustainable Development outlining an ambitious vision for a better world. These 17 Sustainable Development Goals (SDGs) can be the action to wipe out poverty, fight inequality and injustice and tackle climate change around the world over the next fifteen years.

“Cooperatives Supporting the Sustainable Development Goals” was the theme adopted by the International Co-operative Alliance (ICA) for the 2016 International Co-operative Day. ICA recognizes that cooperatives have a unique role to play in realizing the UN’s goals, as they contribute a sustainable growth, social development and environmental responsibility.

One of the commitments of San Jose Koop in business development is to empower and creating a business mindset to members while providing them their necessities to develop and expand their business ideas. We have been imparting to our members that the most important thing to gain success are life values — a dedication, hardwork, perseverance and a desire to succeed with the help and guide of San Jose Koop.

By: CEO Caroline D. Dave

start, Grow and sustain Business of members

2 MASIKAP 2nd Quarter 2019Newsletter

Ni: Nyralyn N. Dela Torre

Isa sa kultura nating mga Filipino ang pagkakaroon ng “close family ties”. Ito ay ang pagkakaroon ng 2 o higit pang nakatatanda sa

magkaibang henerasyon sa isang tahanan. Karaniwang halimbawa nito ay ang pagpisan ng ating mga lolo at lola sa ating tahanan, lalu na kung sila ay mahina na at lubhang kailangan na nang ating mga kalinga. Kaya nga bihira ang bahay ampunan para sa matatanda dito sa Pilipinas. Kaya mapalad at nakatagpo ang San Jose Koop ng isang Bahay ampunan ng matatanda sa San Jose del Monte. Ito’y natutulungan natin nang tatlong beses sa isang taon.

Kaya nga sa tuwing dadalaw ang SAN JOSE KOOP sa Home for the Elderly sa Dela Costa 3, at sa tuwing nakikita namin ang mga ngiti sa kanilang labi ay lalu kaming nagiging inspiradong sila ay ating tulungan. Ang mga malulungkot na kwento sa likod ng kanilang mga ngiti ay panandalian nilang nalilimutan, dahil sa panahon at atensyong inuukol ng SAN JOSE KOOP sa kanila. Kaya naman sila ay lubos na nagpapasalamat sa atin.

Nang matapos ang community service natin noong Abril 26 ay sumagi sa aking isip, malapit na bang mawala sa ating mga Pilipino ang pagpapahalaga sa ating mga lolo at lola? Dahil ba sa pagiging abala natin sa ibat-ibang bagay at pagpapaunlad ng ating buhay ay nakakalimutan na natin sila. Kapalit ba ng pag-unlad at progreso ang pagkawala naman ng ating pagpapahalaga sa nakatatanda. Darating ba ang panahon na ang mga Filipino ay ilalagak na lang ang kanilang mga matatandang kapamilya sa Bahay ampunan. Maaalala, dadalawin at bibigyan na lang natin ng atensyon ang ating mga lolo at lola tuwing kanilang kaarawan at grandparents day, isa o dalawang beses sa isang taon. Malungkot man na isipin ngunit kailangan

nating pagtuunan ng pansin.

Rice Donation&FeedingProgram for Home

for the Elderly


Exposure P

rogram

@ Seoul, South Korea

By: Marissa C. Pantaleon

We are lucky that San Jose Koop was granted with 3 staff representatives in a Cultural Immersion/Educational Tour in Seoul and in Jeju Island, South Korea last May 27 to June 1, 2019. The activity was sponsored by the National Credit Union Federation of Korea (NACUFOK). We were blessed to have a lot of learnings and new experiences and ideas that can be used or adopted into our Filipino and cooperative way of life.

Many thanks to Nacufok, PFCCO and San Jose Koop for this opportunity of learning and experience.


Last April 30, 2019, San Jose Koop conducted a Clean-up Drive activity participated by the officers and employees as part of promoting and giving worthiness to our environment. This was not the first time as it is an annual activity of our cooperative to maintain the cleanliness of the community.

There were five groups assigned to different streets within Poblacion 1 and each group has a complete cleaning materials to be used. During the activity, I have observed pile of garbages and trashes such as plastics, cigarette butts and non-recycable wastes in every corner of the areas. It was really frustrating that we have been slowly failing to take care of our mother nature. As they carry the garbage bags, it has come to my mind that if these wastes were not properly disposed, it can cause illness and diseases to humans because a clean place is a safe place. After the trashbags were all collected, I felt somehow satisfied and happy, because it was also another accomplishment for us.

Despite this condition, San Jose Koop is promoting Sustainable Development Goals to, atleast, lessen the environmental problems that may occur in the future. As Margaret Mead quotes, “Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it is the only thing that ever has.” We can combat environmental issues through this activity. I believe that the answer is in our own hands and if we work as one, we can achieve something good especially for the environment of the community.

Therefore, let us be responsible to our own litters at homes and even in public places. May this activity be an eye opener and example to everyone that having a clean environment is essential. To make this possible, I encourage everyone to be part of this advocacy as we share the same set of goals and commitment to the world we live

By: Mia Grace V. Evangelista

SAN JOSE KOOP 2019CLEAN-UP DRIVE


Ni: Philline Minette N. Punla

Sa Pagdiriwang ng ika-32 taong anibersaryo ng San

Jose Koop. Nagsagawa ito ng isang programa na kung saan dinaluhan ito

ng mga miyembro at emplyeyado ng ating kooperatiba. Ika 14 ng Mayo 2019, Saktong 7:00pm

ng gabi sa St. Joseph Parish Church. Sabay-sabay na nagtipon ang ilang miyembro at empleyado para sa ating “Zumba Festival” Nasimula ang programa sa Panalangin na Pinumununan ni Fr. Arvin Jimenez at pag bibigay nito ng pagbati sa lahat ng kasapi dito.

Ang mga miyembro na kalahok dito ay galak na galak at ang kanilang kasuotan na makukulay ay nakiayon sa ating programa. Ang layunin ng ating “Zumba Festival” ay maitaas ang kalidad ng kalusugan ng bawat isa sa pamamagitan ng pag eehersisyo.

Layunin din nito na pagyabungin ang adbokasiya : “ Kalusugan ang kayamanan kaya ating pangalagaan” “ Magandang kalusugan tungo sa matagumpay na buhay”. Kaisa ang ating Kooperatiba, Tayo po ay magtulungan para sa lalong paglawak ng ating hangarin.

Nakapaloob sa programang ito ang pagbibigay ng Gantimpala sa mapipiling miyembro na may pinaka aktibong pag sasayaw at kasama rin dito ang pag bibigay ng gantimpala sa miyembrong may pinaka magandang kasuotan ng gabi iyon. Nakisayaw rin sa atin si SanJo na atin Mascot ang lahat ay galak na galak at mas lalong nasiyahan sa kanyang pag sabay.

Nagtapos ito sa Paglalathala ng mga nangibabaw sa ating Programa. Sa pamumuno ng Ating CEO Cariline D. Dave at Vice Chairman Na si Richard Avena. Ang mga kalahok na napili ay nakatanggap ng kanya-kanyang regalo. Tinapos ito sa panalangin ng ating Marketing Head na si Rudolf


32nd Anniversary Thanksgiving Mass

By: Gisselle Bautista

Another year has been add up to the success stories of San Jose Koop. Held last May 14, 2019, San Jose del Monte Savings and Credit Cooperative celebrated its 32nd anniversary thanksgiving mass at San Jose Koop’s Activity Area.

As the celebration went on, San Jose Koop gave its warmest gratitude and thanksgiving to the Lord by a mass. Led by Fr. Arvin Jimenez of St. Joseph the Worker parish Church, together with San Jose Koop’s officers, committees, management, staffs and guests, they gave thanks for the unending blessings and faithfulness of the Lord throughout the year.

San Jose Koop showed to every members that they are not restricted by social, political, or religious discrimination instead they are fueled by the willingness of each members to shoulder their responsibilities. Once again, they proved that they will commit themselves to work, to cooperate for each and everyone to be prosperous.

Remarked by our Pres. Rodrigo Duterte on his speech on his speech on 103rd Anniversary of Cooperative Movement in the Philippines. “As we mark this milestone may our cooperatives continue to demonstrate the time-honoured, the spirit of “BAYANIHAN” by promoting a deeper sense of solidarity cooperation among your members and beneficiaries”. May we continue to grow and provide each member needs.

“May the favor of the Lord our God rest on us, establish the works of our hands for us- yes, establish the work of our hands.”Psalm 90:17

More years to come San Jose Koop!


Medical Mission 2019

When someone we love suffers from illness, our heart aches and long to relieved our dear one of his suffering. This is the same feeling that San Jose Koop want to show among its members. In a very special and personal way thru Medical & Dental Mission, this alleviation of pain will make our heart ache no more. Our Tungko Satellite Office has been the nurturing center of our cooperative. Last May 17, 2019 Saturday, together with some doctors (who are also members of the cooperative) devotes some of their precious time, talent and treasure to help our fellow members. The pain and stress of our members upon entering brought about by the sickness turn into smiles as they go out. After they

consulted the doctors and understanding the things on their sickness with some medicines on hand, a wonderful day was registered in their minds. Afterall, those smiles and meaningful gratitude were the mark of successful task done. Special thanks to the doctors who join and make this Medical & Dental Mission possible: Rey Pasco, DMD., Gemma Cruz, DMD. Agnes de Leon, DMD., Cherry Lyn Legaspi, MD., Arlize Manicad, MD. Nigello Emeterio, MD. In all the activities of San Jose Koop, we want to serve and make love felt in the heart. For these are the very essence of our existence. “Not all of us can do Great Things but we can do small things with Great Love.” -Mother Teresa of Calcutta

By: Michelle C. Cruz


skylab Corner


Ni: Morris Daniel Brodith

Isa nanaman pong matagumpay na proyekto ang ating naisagawa sa mga batang mag aaral sa Lungsod ng San Jose del Monte. Ito ay sa pamamagitan ng pamimigay ng “school bags at school supplies” sa apat na napiling Day Care Center noong Mayo 25 at Hunyo 1, 2019.

Tuwing buwan ng Mayo isa sa ating proyekto ang pamimigay ng mga gamit pang-eskwela sa mga piling Day Care Center sa ibat-ibang Barangay sa ating lungsod at karatig na munisipalidad. Sa taong ito ay ang Barangay Citrus, Barangay Lawang-Pare, Barangay Poblacion at Barangay Poblacion 1 ang mapalad na nahatiran ng ating tulong. Ito ay ginanap sa kani-kanilang barangay at dinaluhan din ng mga opisyales.

Ang layunin ng Proyektong ito ay maka tulong sa mga kabataang mag aaral, upang matugunan ang kanilang pangangailangan sa pag aaral. May kasabihan nga tayo na “Ang mga kabataan ang pag asa ng bayan”, kaya lubos ang pag tulong ng San Jose Koop sa mga batang mag aaral upang sila ay maka tapos sa pag-aaral at matupad ang kani-kanilang mga pangarap. Ang nasabing proyekto ay pinangunahan ng mga Officers sa pamumuno ni Chairperson Romeo A. De Jesus at ng mga Management staff sa pamumuno ng Tagapamahala na si Caroline D. Dave.

Umasa kayo na marami pang gagawing proyekto ang San Jose Koop upang lalong makatulong sa mga miyembro at sa ating lipunan. Samahan nyo kami at patuloy nating tangkilikin ang San Jose Koop. Salamat po.

Main event

Distribution 2019School Bag School Supplies&


Barangay poblacionBarangay poblacion 1

Barangay citrusBarangay lawang-pare


“Mahirap sa mahirap ang mag-impok, ngunit mas mahirap sa mahirap ang walang impok”

“Pahalagahan mo kung anong mayroon ka, dahil pinaghirapan mo ‘yan.” --- isa ito sa mga pinaniniwalaan ko noon pa, gaya ng nakararami, alangan akong sumali sa kooperatiba dahil unang-una, pera ang kailangan para maging miyembro, mayroon akong kakaunti pero hindi sasapat para sabihing sobra, kaya pansamantala, inobserbahan ko muna kung paano tumatakbo ang ganitong samahan.

Halos isang taon din ang lumipas bago naging buo ang loob ko na maglagak ng kakaunti kong naipon upang maging ganap na miyembro ng kooperatiba. Akala ko noong una’y maraming prosesong pagdadaanan, maraming papel na ihahanda, maraming niho-niha, ngunit lahat ng aking akala ay matatapos lang pala sa loob ng ilang minutong pag-aasikaso. Nang maging ganap akong miyembro ay mas nalinawan ako sa halaga ng pagiging isa sa mga kasapi, at hindi lang basta bilang isang kasapi, kundi ka-May-ari.

Habang tumatagal ay lalo ko pang nalaman ang halaga ng pagsali sa kooperatiba, mali pala ang kinalakihan kong paniniwala na ito’y para sa pansariling interes lamang kundi ang kahalagahan ng pagdadamayan at pakikipagkapwa-tao ang mas nangingibabaw dito. Hanggang sa pati ang aking magulang noon ay kinumbinsi ko na ring maging miyembro tulad ko. Batid kong sila’y matanda na ngunit mas nanaig sa akin na hindi naman ito dahilan sa pag-iisip ng ikabubuti para sa hinaharap nila. Nang makita nila mama at papa noon ang mga benepisyong aking natatanggap bilang kasapi, mga suportang pinansiyal,at marami pang iba, ay hindi na sila nagdalawang-isip at lumapit na rin sa tanggapan upang maging opisyal na ka-May-ari.

Hanggang sa dumating sa amin ang --- masasabi kong isa sa pinakamalaking dagok sa aming buhay, pumanaw nang biglaan ang aking ama sa edad na 61. Siya ay inatake sa puso at wala kaming kamalay-malay sa pangyayaring iyon. Naging biglaan para sa amin ang kaniyang pagkawala dahil wala

akdang naratibo mula sa karanasan niG. Jose Mari L. Durante

naman itong iniindang karamdaman. Mangyari pa, hindi rin kami handa pagdating sa pinansiyal na aspeto sa ganitong mga pagkakaton, sino nga ba naman ang taong magiging handa sa pagkawala ng isang minamahal. Ngunit kailangan namin itong harapin, kailangan pagdaanan at kinakailangang sama-samang malampasan.

Sa gitna ng aming pagdadalamhati, hindi nagkulang ang San Jose Koop sa pakikiramay sa amin. Dumating ang mga bulaklak, ang simpatya, at sapat na tulong pinansiyal para matugunan ang aming pangangailangan sa burol at pagpapalibing. Hindi kami makapaniwala sa pagbuhos ng tulong ng kooperatiba sa amin, gayong halos mga bagong miyembro lang din naman kami sa samahang ito. Mula dito’y gumaan kahit papaano ang aming dinadalang sakit sa pagkawala ni papa, nakatutuwang isipin na sa paglisan niya ay naghanda pa rin siya kung sakaling dumating na ang panahon para iwan kami sa tulong ng Abuluyan Program.

Lubos ang aking pasasalamat sa lahat ng nangyari, masakit man at mahirap ay tuloy pa rin dapat ang buhay. Nagpapasalamat ako sa aking ama sa lahat ng turo, payo at gabay na hindi niya ipinagdamot sa akin at sa buong pamilya. Salamat sa San Jose Koop sa lahat ng suportang kanilang ibinahagi sa aming paghihirap, na lalong nagpatibay ng aking paniniwala sa lakas ng pagkakaisa at pagtutulungan. Higit sa lahat, salamat sa Diyos sa mga pagsubok at pagpapala, naniniwala naman ako na tanging Diyos lamang ang nakaaalam nang lahat sa ating buhay, ang dapat lang nating gawin ay manampalataya sa Kaniya at gumawa ng paraan sa lubos ng ating makakaya.

Mahigit kalahating taon na rin ang lumipas nang mawalay sa amin si papa, kahit papaano naman ay unti-unti nang naghihilom ang sugat at sakit na aming dinaranas, may kalungkutan mang dinadamdam ay batid ko na kailangang magpatuloy ang buhay, alam ko namang mas ikalulungkot ni ama kung makikita n’ya kaming lugmok sa paghihirap, tulad ng aral na kailanma’y hindi ko malilimutang ibinahagi sa amin ni ama noon: “Maging handa ka sa anumang ibato sa iyo ng tadhana, sa panahon ng kagipitan ay narito kami para umagapay, sa panahong nakaluluwag naman, ay huwag kang makalimot na umalalay…

“Mapagkalingang Kamay”

MeMber’s Corner


AS Of JuNE 2019

Total Assets 2.20 BLoan Receivable (Net) 1.32 BDeposits Liabilities 1.418 BOther Liabilities 50.00 MMembers Equity 501 MGen. Reserve Fund 114.36 MNet Surplus 33.12 MGross Revenue 106.37 M

Portfolio at Risk (PAR 1) 7.20%Portfolio at Risk (PAR 30) 4.19%COOP PESOS RATING 89.8%

Membership

Regular Member 37,669Regular Associate 1,346Youthbee 1,875Smarteens 519Total Membership 41,409

HighlightsFinancialFor your inForMation


Cash incentives for recruiter: P50.00

Cash incentives for recruiter: P100.00

}

}COOPpolicyupdates

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

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.

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 *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 10,000.002nd Prize - P 2,000.00 2nd Prize - P 7,000.003rd Prize - P 1,000.00 3rd Prize - P 3,000.00

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 pointand 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.


FEATURED PRODUCTS


A s o f A u g u s t 1 3 , 2 0 1 9OUR OFFICIAL LIST OF PARTNERS

NOTE: NO KOOP I.D., NO DISCOuNTNO. NAME OF PARTNERS PRODUCT/SERVICES OFFERED DISCOUNT PROVIDED NOT INCLUDED

1. SKYLINE HOSPITAL & MEDICAL CENTERQuirino 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% discount in all laboratory examination


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 discount8. MEIREN WELLNESS SPA

St. Vivian Plaza, Brgy. MuzonSPA SERVICES 5% - During Monday to

Thursday 10% - during Friday to Sunday

• promo packages are not entitled for discounts

9. BOUNTY EMISSION TESTING CENTERBrgy. Poblacion 1

SMOKE EMISSION TEST ONLY 10%

10. CUT N SLICE RESTAURANT & DELICACIESBrgy. Poblacion 1

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

5% 10% P 10/Box


11. ROAD 1 PHARMACY & CONVENIENCE STORERoad 1, Brgy. Minuyan Proper

MEDICINES 4% • Special Product discounts as mandated by Owner


SAN JOSE KOOP PARTNERS


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

CONFINEMENTLABORATORYGENERIC 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 ServiceFood 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

CarsService / LaborPartsAccessories

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 WASHBrgy. Poblacion-1 Daang Barrio Road

Car Wash Services Interior Detailing – Less 10% Acid Rain Removal – Less 10% Engine Wash – Less 5%


20. DOC RJ MEDICAL CLINICPoblacion 1Mobile No.

0993-58124210966-7861063

Medical Clinic Consult. – 100 Labs:Cholesterol – 200Uric Acid – 100Blood sugar – 100ECG – 100Total – P 600If member of san Jose Koop Total Package is P 500 only


21. NESIATOVA TRAVEL AND TOURS-Brgy. Poblacion-1

Travel and Tours For Domestic Flights – P 500 Off For International Flights – P 1,000 Off


22. HAMSUN E-VEHICLES-Brgy. Muzon

Electric Bike 6% per unit • Cannot be combine with Senior Citizen & PWD discount

23. FARMACIA NI DOK-Brgy. Poblacion-1

Pharmacy 5% on Generics drugs only 5% on Generics drugs only


24. KJS INTERNATIONAL TRAVEL AND TOURS-PulongBuhangan

Travel and Tours For domestic Flights – P 500 Off For International Flights – P 1,000 Off Hotel – Local – P 300 off per night Hotel – International- P 300 off per night Package Tour – 10 to 20 USD per package


25. JBM SKILLS INTERNATIONAL DEVELOPMENT TRAINING AND ASSESSMENT CENTER, INC. - 101 FLB Building TungkongMangga, City

of SJDMB

Accredited Skills Training School of TESDA

Free Tuition Fees • Cannot be combine with TESDA assessment fee

26. XTREME GYM& GLOBAL FITNESS, INC.-Tungkong Mangga, Muzon and Sta. Maria

Branch

Fitness and Wellness Services Free Registration • Cannot be combine with Senior Citizen & PWD discount


Blg.Petsa ng

KamatayanSaping Bilang

PangalanKabuuang

Abuloy

Abuloy ng

Bawat Kasapi

1 4/1/2019 11149 CRISELLE E. ROBES 59,676.84 1.88

2 4/2/2019 45415 RUBIO, AILLEEN BUYO 89,512.44 2.82

3 4/4/2019 6747 CONTRERAS, NORMA H. 299,697.30 9.42

4 4/8/2019 58843 ESPARAGOZA, ELMER C. 29,959.68 0.94

5 3/28/2019 40362 MIMURA, NORIEL S. 148,745.60 4.7

6 4/5/2019 47744 TRONGCO, CELSO C. 89,836.74 2.82

7 4/9/2019 36285 BARTE, HELEN GALATIS 179,662.20 5.64

8 4/10/2019 37526 SARACHO,JAIME NEVADO 207,786.18 6.51

9 4/6/2019 59146 DIAZ, MANUEL SAN JOSE 29,960.62 0.94

10 4/7/2019 64265 ENRIQUEZ,GERRY JOSE 29,682.81 0.93

11 4/13/2019 57118 BERNABE, CHERYLL E. 29,701.41 0.93

12 4/13/2019 39241 EUGENIO,GLORIA DELOS 178,392.60 5.58

13 4/11/2019 23239 TORRES, PURIFICACION A. 59,371.20 1.86

14 4/11/2019 49768 LASTRA, RAYMUND PONCE 59,369.34 1.86

15 4/23/2019 55382 ACELDO,FLORENCIA PANELO 29,963.67 0.93

16 4/17/2019 43830 GUMBAN, ANNIE GARCIA 119,505.00 3.72

17 3/27/2019 1822 MANAPAN,ESTER MARCELO 299,877.00 9.5

18 4/24/2019 60515 BORCENA,TEODORICO B. 29,961.81 0.93

19 4/22/2019 42355 HUNGGAY,JOCELYN F 119,683.56 3.72

20 4/27/2019 258 VILLANO, LEONOR TEOLENTINO 299,864.64 9.28

21 4/27/2019 1317 MEN DOZA, TORRADIO L. 299,873.92 9.28

22 4/30/2019 6074 DELA CALZADA,FRANCISCA 299,912.75 9.28

23 4/9/2019 53111 MORANTE, DOMAR DELFIN 29,997.28 0.94

24 4/26/2019 53915 BAUTISTA, CEFERINA C. 29,761.08 0.92

25 5/1/2019 37008 DELA CRUZ, NIMFA LAURENIO 208,784.80 6.44

26 5/7/2019 2034 CLEMENTE, MARIVIC A. 299,908.16 9.22

27 5/5/2019 7646 PASIOLA, PURIFICACION 89,686.20 2.76

28 5/7/2019 42576 ESPENIDA, TESSIE VARGAS 149,707.00 4.6

29 5/9/2019 37146 LAAN, AMELIA DELA CRUZ 179,946.48 5.52

30 5/8/2019 39404 SERVIANO, MARILOU DACER 179,786.40 5.52

31 5/9/2019 62791 GALLARDO,JULITA ALGOSO 29,989.24 0.92

32 5/13/2019 10012 MALINCON,ASUNCION GRESOLA 299,970.79 9.19

33 5/11/2019 7999 ESCOSIO,MA DOMINGA 299,961.60 9.19

34 5/11/2019 6567 REBONQUIN,CONSUELO F. 299,943.22 9.19

35 5/15/2019 56044 MANUEL, EDILBERTO GULINAO 29,725.15 0.91

36 5/16/2019 26021 TAN, REMEDIOS TENDERO 208,228.93 6.37

37 5/17/2019 5892 ALEJANDRO,FRANCISCA S. 299,980.84 9.16

AbuluyAn progrAm2nd QuArTEr 2019

Blg.Petsa ng

KamatayanSaping Bilang

PangalanKabuuang

Abuloy

Abuloy ng

Bawat Kasapi

38 5/20/2019 54489 ANCHETA, LILIAN CAROLE B. 29,837.08 0.91

39 5/8/2019 38210 NABAGO, CEZAR PINEDA 179,720.16 5.52

40 5/14/2019 46910 ALMARIO,EDUARDO JR 89,150.88 2.73

41 5/19/2019 63586 CORBILLA,CECILIA TABARES 29,812.51 0.91

42 5/25/2019 2077 ESPERIDA, TOMAS B. 299,947.68 9.12

43 5/24/2019 1369 VILLANUEVA, ANGEL 299,810.88 9.12

44 5/14/2019 46063 OCAMPOS, VIVIAN ARANAS 89,134.50 2.73

45 5/19/2019 36328 MUÑOZ,JOCELYN OLVINA 208,642.98 6.37

46 3/9/2019 20 PAGOROGON ,VIRGINIA 299,791.53 9.63

47 5/29/2019 61812 SAPIDA,WILFREDO LAUTA 29,683.80 0.9

48 5/30/2019 6959 MAGNO, ERLINDA DAZA 299,730.80 9.08

49 5/31/2019 1156 HIZON, ANGELINA N. 299,721.72 9.08

50 5/26/2019 6732 DELA TORRE,VICTORIANO 299,993.28 9.12

51 6/11/2019 27919 JALLORES, ELIZABETH D LEON 238,852.80 7.2

52 6/5/2019 35529 CENTENO, MELINETTE CHIU 238,370.40 7.2

53 6/16/2019 55667 LORENZO,EDGARDO B. 29,689.51 0.89

54 6/15/2019 9164 MARTOS,ESTRELLA REYES 29,689.51 0.89

55 6/13/2019 40566 CASTRO,ARTHUR CABANAS 149,274.00 4.5

56 6/16/2019 41444 SIDAMON,MYRNA A. 148,443.10 4.45

57 6/15/2019 59931 CEZARIO, LUDMILA 29,687.73 0.89

58 6/17/2019 7916 CRUZ,LEONA DELA TORRE 299,967.92 8.98

59 6/17/2019 60310 ARTAJO,ERNESTO T. 29,726.89 0.89

60 6/11/2019 54247 MANALASTAS,RODOLFO T. 29,940.30 0.9

61 6/19/2019 43524 ELISES,BENITA SAN DIEGO 59,535.66 1.78

62 6/15/2019 49313 CATALONIA,LORENZA E. 59,366.56 1.78

63 6/12/2019 63188 SARMIENTO, NORMA SJ 29,935.80 0.9

64 6/17/2019 16052 REYES, CARISPIN REYES JR 299,833.22 8.98

65 6/15/2019 4883 MENDOZA, ROBERTO DC 299,771.55 8.99

66 6/20/2019 39645 ROJAS, JOSEFINA TUBALINAL 119,149.64 3.56

67 5/12/2019 47235 GONZALES, CIRILO NIETO 89,945.64 2.76

68 6/22/2019 52985 POLICARPIO, LUISITO P. 59,628.22 1.78

69 6/26/2019 1920 MANGAHAS, GAUDENCIO E. 299,945.94 8.94

70 6/26/2019 6249 GALLARDO, MERCIL DANQUE 299,954.89 8.94

40 6/28/2017 34960 Kabuuang Abuloy 10,921,061.56 334.74

Kabuuang Bilang ng Yumaong Kasapi

70 Kasapi


@ 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

loyalty

program


By: Lorie Anrol M. Lozano

Team Building 20 9San Jose Koop firmly believes that a deep connection among its employees and officers are essential for the success of its operations. It believes that its personnel must develop the ability to build effective and united teams to positively impact its operation. It is for this reason that on April 8 to 9 this year, San Jose Koop conducted a team building to instill a good rapport among its employees and officers, which was held at Aureo Hotels and Resort in San Fernando, La Union.

This two-day open affair aimed to make San Jose Koop employees and officers spend time and share experiences together to get to know more about one another. The activities included playing games, eating and socializing. Mr. Richard Avena, a board member, Mrs. Rasel Sta. Maria and Mr. Morris Brodith, employees, facilitated the playing of games. It consisted games that forced the players to carry out strategic plans and communicate effectively to win, like “Carrying the Message”, “Group Paper Dance” and “Copy-Cut”. Employees and officers also eat together

in buffet style meals; and during the peak time of the night, they shared joy and laughter with their own funny stories which in effect solidified their relationships with one another.

San Jose Koop’s Team Building 2019 inspired its employees and officers, including me, to work excellently not only as individuals

but as a team. At the end of the day we all had something so important and special to take with us: THE VALUE OF WORKING AS

ONE. As a new member of San Jose Koop’s family, I, Lorie Lozano, am thrilled and honor to say that indeed, “TOGETHER WE ARE

STRONGER!”

staFF’s Corner


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

Time Deposit - Regular Members30 days /1 month

90 days /months

180 days / 6 months

270 days / 9 months

360 days /12 months

P10,000 - 499,999 1.50% p.a 1.75% p.a 2% p.a 2.25% p.a 2.50%p.aP500,000 - 999,999 2.50% p.a 2.75% p.a 3% p.a 3.25% p.a 3.50% p.aP1M - 2,999,999 3.50% p.a 3.75% p.a 4% p.a 4.25% p.a 4.50% p.aP3M and above 4.50% p.a 4.75% p.a 5% p.a 5.25% p.a 5.50% p.a

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 PRICE

040-2017017696 Partida, Brgy. Muzon (Besides Partida Elem. School) 883 SQ.M. Residential

(Vacant Lot) 1,766,000.00

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

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

040-2018006661 SitioGulod, San Vicente, Sta. Maria 2,000 SQ.M. Agri/Bacood 3,000,000.00

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

040-2018002840 NorzagarayBulacan (Near Elem. School) 310 SQ.M. Residential

Commercial 2,000,000.00

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

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

------------------------- Area B, SapangPalay (along E.V. Roquero Ave.) 661 SQ.M. res. Comm. 10,576,000.00

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)8152166and negotiate as regards the selling price with the approval of the Board of Directors.

Selling of Acquired Asset is open to all members and is entitled for a commission. Interested agent must secure an authority to sell issued by the Chief Executive Officer.

san jose koop · 6. the law of solid ground – trust is the foundation of leadership. 7. the law...

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