PACCI house..

PACCI Function hall

The View.. from the window to the sea and the town..

the hallway!

the Front Garden

The Pacci Building

PACCI LOANS

EXPRESS LOAN

n   interest Rate: 3%

n   Term: 24mos

n   Mode: Monthly

n   Characteristic:

¨   80% of SC

¨   80% of SV

INSTANT LOAN

n    Interest Rate: 3%

n    Term: 10mos

n    Mode: Monthly

n    Characteristic:

¨    P 3,000.00 for MIGS Non-Diamond

                    P 6,000.00 for MIGS Diamond 

REGULAR LOAN (Productive)

n     Interest Rate: 2% - 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: P 300,000.00

n     Characteristic:

¨    Capacity Based Lending

                  For Business Capitalization

REGULAR LOAN (Special Productive)

n     Interest Rate: 2% - 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: P 301,000.00 – 1,000,000.00

n     Characteristic:

¨    Capacity Based Lending

¨    For Business Capitalization

REGULAR LOAN (Commercial)

n     Interest Rate: 2.5% - 3%

n     Term      : 18 mos - 36 mos

n     Mode: Diminishing

n     Amount: P 1,000,000.00 – P 2,000,000.00

n     Characteristic:

¨    Capacity Based Lending

¨    For Business Capitalization

REGULAR LOAN (Providential)

n     Interest Rate: 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: P 100,000.00

n     Characteristic:

¨    Capacity Based Lending

¨    Character Based Lending

 SALARY LOAN (Brgy. Official)

n     Interest Rate: 2%

n     Term: 24mos

n     Mode: Diminishing

n     Amount: Based on Honorarium w/ P500.00 net take home pay

n     Characteristic:

¨    Elected Official

¨    MOA with PACCI & Brgy.

¨    Treasurer is responsible for collection

SALARY LOAN (Employed)

n     Interest Rate: 3%

n     Term: 36mos

n     Mode: Diminishing

n     Amount: Times 5 of Basic Pay

n     Characteristic:

¨    Capacity Based

¨    Receiving Monthly Salary

PENSION LOAN

n     Interest Rate: 3%

n     Term: 24mos

n     Mode: Diminishing

n     Amount: Based on Monthly Honorarium

n     Characteristic:

¨    Capacity Based

¨    Receiving Monthly Pension

Appliance & Office Equipment Loan (AOEL)

n     Interest Rate:    1.5%      -  2%

n     Term:             12 mos.     – 24 mos

n     Mode: Straight

n     Amount: P 60,000.00

n     Characteristic:

¨    Capacity Based

¨    Receiving Monthly Pension

MICRO-FINANCE LOAN

 Livelihood Assistance Program (LAP)

nInterest Rate: 1.5%

nTerm: 6 mos

nMode: Straight

nMethod: Daily, Weekly, Lumpsum

nAmount: P 100,000.00

nCharacteristic:

•     Capacity Based

•     Receiving daily income

•     P 50,000.00 with collateral

•     At least one (1) year in business

•     Package with Daily Insurance (Family Protector)

Pagtinabangay Alang Sa Kalambuan (PASaKa)

nInterest Rate: 3%

nTerm: 6 mos

nMode: Straight

nMethod: Daily

nAmount: P 100,000.00

nCharacteristic:

nCapacity Based

nReceiving daily income

nP 50,000.00 with collateral

nAt least one (1) year in business

nPackage with Daily Insurance (Family Protector)

Financial Assistance to Small Trader (FAST)

n     Interest Rate: 6%

n     Term: 100 Days

n     Mode: Straight

n     Method: Daily

n     Amount: P 20,000.00

n     Characteristic:

n     Capacity Based

n     Receiving daily income from business

n     Daily wage earner (inadlaw nga kinitaan)

THE PACCI ATM CARD

FRONT OF THE CARD

BACK OF THE CARD

PRODUCTS FEATURES:

ü  International Remittance

ü  Cash withdrawal through ATM 24/7

ü  Fund transfer

ü  Savings Account

ü  Loan Proceeds

TERMS AND CONDITIONS:

ATM CARD SAVINGS ACCOUNT

§    *No transaction fee when you transact thru PACCI ATMs.

§     *P 12.00 charged for transaction fee for every transaction you make with other ATMs.

§     *ATM Card Savings Account is an interest‐bearing Savings Account of 1% per annum.  

§      *ATM Card Savings Account will be free for the initial issuance. Defective cards will be replaced free of charge within 30 calendar days upon receipt.

§     *ATM Card becomes dormant it if is inactive for two years and shall be subject to P100 service charge per month.

§      * Replacement of lost/stolen ATM Card is 

P500.00

§       *Over the counter is allowed when ATM is un available or your withdrawal for the day exceeds  P 20,000.00. Additional I.D. needs to be presented for withdrawal through teller.

WITHDRAWALS

§                          Can withdraw cash up to P 80,000.00 a day

§  Max. number of withdrawal  with (20) per day

§  Minimum withdrawal amount of P100.00                                        

§  Maximum withdrawal amount of P 4,000.00 per transaction.           

SECURITY FEATURES:

PERSONAL IDENTIFICATION NUMBER (PIN)

  Your Personal Identification Number (PIN) is a computer generated 6-digit number provided by PACCI.

                MEMORIZE YUR PIN because this is your security code for your ATM Card.

In case you forgot your PIN, visit the PACCI Main Office to request for new PIN.

HOW TO AVAIL PACCI ATM CARD?

FOR PACCI MEMBERS:

                Just Bring your Share Capital Passbook.

FOR NON-MEMBERS:

§   Fill- up Application Form

§   Fill-up Specimen Signature Sheet

§   2 pcs. 2x2 I.D. Picture

§   1 pc. Xerox copy of Any Valid I.D. Card

OPENING AND MAINTAINING BALANCE

§  Initial application of ATM Card – P 100.00

§  Initial ATM Savings Deposit -  P 400

COMPLAINTS RESOLUTION,

LOST, STOLEN, CAPTURED CARD and other concerns:

§  Go to PACCI office @ Rizal Street Palompon, Leyte or

§  Contact Us:  Tel No. (053) 555-9162/ (053) 338-2051

                    Mobile No: 0917-6272-224

                   E-mail:   paccimpc@yahoo.com

Ang PACCI

Vision   

A Strong and world class cooperative in financial and allied services committed to serve and care for the needs of the members, community and beyond.

Mission

     To provide competitive and value-driven financial, products and allied services enhancing the quality of life of the members of the community.

Goals

      Make PACCI an influencing arena in implementing economic and social, and other cooperative service, and development programs geared towards improving the living condition of the members of the community.

PRODUCTS and SERVICES

§  SAVINGS DEPOSIT 2.5% per annum

o    Regular

o    Associate

o    Joint

o    Association

o    Kiddy & Youth Savings

§  TIME DEPOSIT

o    6.5% up to 10% per annum

§  ATM SAVINGS ACCOUNT

o    With lowest maintaining balance of P100

§  LOANS

*Instant loan         *Express loan

*Pension loan       *salary loan

*Brgy. Official Salary Loan

*Livelihood Assistance Program(LAP)

*Appliance & Equipment loan(AOEL)

*Regular Loan

                -- Productive

                --Providential

                --Commercial

§  MICRO FINANCE LOAN

o    Pagtinabangay alang sa Kalambuan(PaSaKa)

o    Financial Assistance to Small Trader(FAST)

§  OTHER SERVICES

o    Coop assurance Center

o    Mortuary

o    PACCI House & Multi-purpose Center

o    Table & chair Rental

o    Rent-a-Car

o    Bio-diversity Conservation & eco-tourism

o    PACCI CWID child formation Center

o    G-Cash remit

STEPS ON HOW TO BECOME A MEMBER!

1. Undergo Pre-Orientation Seminar(POS) for at least 30 mins. Anytime during office hours.

2. Fill up CI/BI form for approval of membership.

3. Attend Pre-Membership Educational Seminar (every Saturday).

WELCOME TO THE BENEFITS OF MEMBERSHIP

o   Higher Earnings on Savings

o   Reasonable Interest on loans

o   Dividends on your Share Capital

o   Warm and quality cooperative service

o   Varied Savings and Loans products to choose from to suit your unique needs.

o   Access to financial counsel

o   Access to other coop services

o   Guaranteed 5% interest on all php12,500 above Share Capital