How to be a MEMBER?

If you are interested, then visit the BCS Office near to your homes.

















WHAT ARE THE DUTIES OF MEMBERS AS OWNERS?
Contribute to the capital
Deposit regularly
Serve when elected
Participate in the decision-making through the general assembly and other membership meetings
Participate in coop activities
Promote the coop


WHAT ARE THE RIGHTS OF MEMBERS AS OWNERS?
Vote
Be voted upon
Receive reports and information
Recommend policies
Receive interest on capital contribution according to established policies


WHAT ARE THE PRIVILEGES OF MEMBERS AS CUSTOMERS?
Receive quality service
Provided with efficient service
Treated well by people handling the business especially the staff
Receive the patronage refund

Savings and Credit With Education (SCWE)

This is a microfinance program for women. Savings and Credit with Education (SCWE) is a type of program that observes the guarantee system.

First, a group of five to seven women must organize themselves. This group should again form a bigger group.

BCS grants loan to these women as a solidarity group. The SCWE members pay for sixteen (16) weeks or four (4)months.

For now, BCS is encouraging SCWE members to invest their capital to BCS in order to be a regular member of BCS.

Worker's and Employees Livelihood Loan (WELL)

This is a loan for both barangay officials and regular employees of factories, company or establishment.

Barangay Officials may avail WELL with an interest rate of 1.33% per month. Maximum loanable amount is P 150, 000.00, payable in two years with monthly mode of payment. BCS will serve Memorandum of Agreement (MOA).

Regular Employees can avail this loan at an interest rate of 2.5%, diminishing computation. Loan is paid semi-monthly or "quensina" through ATM cards. Hence, BCS will be the one to withdraw the amount through the member's ATM card.

DOLE employees in Polomolok and Baranagay officials in General Santos City, Malungon, Malandag, Bansalan, Sta. Cruz, and Matanao are availing this type of loan.

It's easy, right? Visit now the offices near you.