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Most Outstanding Rural Financial Institution for Luzon I
Cooperative Bank of Cagayan
Tuguegarao City, Cagayan

The Cooperative Bank of Cagayan (CBC) as it stands today depicts the pillars of progressive, strong, and enduring prime banking and financial institution that caters innovative financial services aimed to uplift the economic well-being of the numerous micro, small, and medium entrepreneurs; farmer in the countryside and fishermen in the coastal areas.

Being what it is today is credited to the over 200 Samahang Nayon who constantly nurtured it with their unconditional services, rendered faithfully and devotedly. Their concerted efforts, courage and determination made them pool their meager resources as their capital investment, which paved the foundation for the Cooperative Rural Bank on March 7, 1979, which was subsequently renamed as COOPERATIVE BANK OF CAGAYAN - now a prime bank in the cooperative banking industry.

Cooperative Bank of Cagayan believed, recognized, and acknowledged the founders' primordial intentions when they founded this bank. This bank is manned by decent and conscientious people who are ready, willing, and able to exercise and discharge the duties and responsibilities of a fiduciary entity entrusted with the wealth of the econom. With its people-first principle, it strives harder to attain proficient and effective delivery of services to satisfy the needs and wants of its clients, customers, and the various stakeholders of the bank, thus enjoining all its men and women to be fair, honest, and have a heart of service. Precise career development for its people are also instituted to enhance their professional competence in all aspects of banking and finance, human relations, and other endeavors relevant to CBC's purpose. All these things are made achievable by the corporate policy-making body by focusing on good governance. Its good governance also extends to its corporate social responsibilities programs, which promotes cooperative relations services to all the communities it lives and works with. 

The Cooperative Bank of Cagayan is an active partner-conduit of NLDC since 2004, with existing credit line of Php6.0 Million under Livelihood Credit Assistance Program (LCAP).    


Most Outstanding Rural Financial Institution for Luzon II
Rural Bank of Guinobatan, Inc.
Guinobatan City, Albay

Established on July 22, 1964, Rural Bank of Guinobatan, Inc., (RBGI) has been taking the lead in local banking in Albay and Sorsogon City. RGBI has proven its capability to meet its clients' financial needs.

Rural Bank of Guinobatan Inc. was registered with the Securities and Exchange Commission on March 25, 1964 with an initial authorized capital stock of P400,000.00. On July 22, 1964, Rural Bank of Guinobatan, Inc. has been granted by Central Bank of the Philippines (now Bangko Sentral ng Pilipinas) to operate as Rural Bank and formally open its banking doors to the public.

Rural Bank of Guinobatan Inc. was organized with the goal of becoming the leader in the local rural banking industry where it continues to strive for a well-balanced objective and equitable development of the satisfied clients, empowered employees and valued stakeholders. Its shares with the vision of developing the local economy by anchoring its ideals on furthering its assistance to its clients, become locally responsive, and be a competitive financial service provider and a leader in the rural banking industry. Hence, it aims to push the country and the Bicol region towards progress by rendering services to clients in need of financial assistance.

RGBI envisions itself to be the best rural bank in the Bicol region in terms of efficiency and stability by proviging customer-oriented and integrated rural banking products and services delivered to a significant group of clients
with emphasis on the micro, small and medium sized entrepreneurs.

After 33 years of operation, the Bank began to expand its branching operations. Currently, RBGI has three (3) branches operating in the Bicol Region.

Year 2000 is a milestone, when RBGI started upgrading its capabilities to a computerized system. These innovations continue to this day when new bank operating systems were put into place.

The new Rural Bank of Guinobatan Inc., is now functioning as a full-structured, professionally managed Bank, with service-oriented team of personnel.

Aspiring to be progressive and to make the Bank relevant to the communities, RBGI will continue to be guided by its values-integrity, professionalism, and excellence that have made RBGI last for more than 46 years and to continue for more years to come.

RBGI had another milestone by opening its microfinance department which is using the Grameen methology. On November 2003, the board of directors approved the implementation of individual microfinance using government partner in countryside development. 

Seven years after RBGI started its microfinance program, the bank is now serving more than 8,000 microfinance clients which is serviced by the Bank's 3 branches in Albay and Gubat, and Irosin in Sorsogon. 

Last year, the Bank embarked on a Re-Engineering Program which aims to transform its performance to be at par with the industry's best.

The bank has weathered the financial storm that hit the industry. In the midst of a global financil, Rural Bank of Guinobatan, Inc. was resilient and will continue to grow big and strong in the years to come. 

RBGI gained its accreditation with NLDC in 2006. Currently, it has Php7.0 Million Revolving Credit Line under NLDC-LCAP.   

Most Outstanding Rural Financial Institution for Visayas
First Agro-Industrial Rural Bank, Inc.
Bogo, Cebu

The First Agro-Industrial Rural Bank, Inc. or commonly known as Fair Bank, started its commercial operation on 16 January 1999. The Bangko Sentral ng Pilipinas (BSP) through the Monetary Board granted Fair Bank the authority to operate banking business on 05 September 1998 and the Securities and Exchange Commission (SEC) approved the registration of Fair Bank Inc. as a corporate entity vested with a distinct juridical personality. The principal place of business was then located at Poblacion, Daanbantayan is a place found at the northernmost tip of the province of Cebu. By then, there was no rural banking facility that served the agricultural needs of the local community and Fair Bank had just come in at the right time.  

Fair Bank's three-year performance posted a remarkable growth thus impelling the management to open its first branch in Sta. Fe, a municipality in Bantayan Island, on August 30, 2002. On the same year on 18 September, Fair Bank noted the growing awareness of the community on the then newly introduced banking mythology, which is the Grameen banking. The Grameen banking service was so widely accepted by the women in Daanbantayan area that its financial return significantly contributed to the income generation of the bank. The Grameen-based lending window was named Kaabag Program - Kaabag is a Cebuano dialect for helper.

To further provide a tailored fit service for the micro-finance sector, an individual lending program for micro entrepreneurs was opened on June 16, 2003. The program was named PAMILYA, an acronym that stands for (PAGGIYA SA PAGLAMBO ALANG SA YANONG AMBISYON). The word PAMILYA, taken as it is means family in the English language. The acronym means to provide guidance in order to attain every micro-entrepreneur's simple ambition to grow and succeed in his or her business. 

Due to the positive responses of the community toward rural bank facility, Fair Bank was able to establish another branch in Bogo, Cebu on August 30, 2005. Moreover, the favorable earnings and the wide coverage of the bank's services reaching the southernmost part of Cebu necessitated the opening up of Balamban branch on April 3, 2006. On the same need, Danao branch likewise started its operation on April 17, 2006 and Carcar branch on October 2008. 

In 2008, the BSP approved Fair Bank's application on the conversion of Bogo branch into a head office. Nowadays, the executive offices and the principal place of business are found and made at Dela Vina cor. J. Lequin Sts., Gairan, Bogo City. 

In the desire to bring all concerted efforts toward one direction and end, Fair Bank management initiated the vision/mission building for medium-term range. The Board of Directors and the executive offices headed by the Chief Executive Officer spearheaded the drive toward the same journey and sets of core values were made as strategic entry points to fortify all the efforts. 

Fair Bank has an existing Revolving Credit Line with NLDC amounting to Php74.0 Million. It is an accredited partner conduit of NLDC since 2005.  

Most Outstanding Rural Financial Institution for Mindanao
D'Asian Hills Bank, Inc.
Malaybalay, Bukidnon

In February 1998, Mr. Estelito R. Marabe acquired the Rural Bank of Lantapan. The acquisition was made possible through the new stockholder's equity and backing of Hills Small Loans and Lending Facilities Co., Inc., owned as well by Mr. Marabe. On June 26, 1999, the name of the bank was changed to Asian Hills Bank, Incorporated. It was then registered to Securities and Exhange Commission and approved by the Bangko Sentral ng Pilipinas.

The bank started its commercial operations on April 20, 1998 with seven employees in Lantapan. Since then, its manpower force has increased. The Lantapan branch served as the prime branch of Asian Hills Bank, until the transfer to the main headquarters in the City of Malaybalay on June 23, 2000.

In June 2001, the Kisolon Branch was opened in Sumilao, Bukidnon. In the same year, the micro-finance program called "Dalan Sa Kalamboan" was launched with the aim to aid the needs of women who desire to uplift the quality of their life.

The number of members of the Microfinance Program continued to increase. The program progressed into covering almost all municipalities and cities of Bukidnon and Misamis Oriental.

In January 2002, the Society Rural Bank of Opol, Misamis Oriental became a subsidiary of Asian Hills Bank, Inc. After 4 years of its operation, the Bank was awarded the Best in Profitability and Most Outstanding Rural Bank by Land Bank of the Philippines in October 2003.

Since then, there's no stopping Asian Hills Bank, Incorporated from opening its branches in Poblacion, Dangcagan, Bukidnon in November 2003, and Talakag, Bukidnon in June 2004. Following the opening of its branches came the opening of its 15 Express Banking Centers around Bukidnon, Misamis Oriental, North Cotabato, Cagayan de Oro, Lanao del Norte, Davao del Sur, Agusan del Norte and Malaybalay Bukidnon in the year 2008.

In October 2, 2010, the consolidation of Asian Hills Bank and its subsidiary branch, Society Rural Bank was approved and D'Asian Hills Bank, Inc. was born. Last November 10, 2010, Kalilangan Express Banking Center was converted into a full branch. On December 8, 2010, Valencia Express Banking Center in Valencia City, Bukidnon was also converted into a full branch and in the same month, Lapasan Express Banking Center in Lapasan, Cagayan de Oro City also became a full branch.
As of date, D'Asian Hills Bank keeps growing and growing. Its increasing deposit and client base demonstrate the trust and confidence of its clienteles in the bank. The growing number of fund partners also manifests the bank's financial stability and good governance. For 12 years now, the bank has helped transform lives of the over 71,000 clients and who are mostly marginalized and the small and medium entrepreneurs in Mindanao and Visayas.

Most Outstanding Non-Government Organization for Luzon I
Alalay Sa Kaunlaran, Inc.
Cabanatuan City, Nueva Ecija

The Alalay sa Kaunlaran Inc. (ASKI) was born in October 1986 in the year of the EDSA People Power Revolution when social issues like poverty and unemployment were widely felt. A group of business leaders in Nueva Ecija, out of Christian zeal and compassion, joined hands to think of a positive and powerful response to the issues and help deliver the economic turn around through microenterprise development.

With a small capital investment of P460,000.00 provided by the Maranatha Trust of Australia, the group reached out to the small entrepreneurs, to the street vendors, to the movers of the micro economy that had no access to bigger funding institutions.

ASKI was officially registered with the Securities and Exchange Commission (SEC) on March 23, 1987 under the name "Alalay sa Kaunlaran sa Gitnang Luzon, Incorporated" as a non-stock, non-profit organization committed to the promotion and development of micro and small to medium enterprises and the delivery of social services. It formally launched its operations on July 1, 1987.

On September 23, 2004, the Board of trustees of ASKI adopted a new name, Alalay sa Kaunlaran, Inc., dropping the phrase "Sa Gitnang Luzon" in line with its expansion program in other regions. This is also ASKI's contribution to one of the Millenium Development Goals (MDG), which the Philippine government has committed to achieve by 2015. The MDG aims to reduce the proportion of people living in poverty.

From a small office in Cabanatuan City, Nueva Ecija. ASKI has branched out into other provinces in Central and Northern Luzon. It has now 38 branches serving the needs of more than P60,000 clients in 2010.

At present, ASKI has six business units. These are the ASKI Microfinance, ASKI Mutually Benefit Association, ASKI Foundation, ASKI Marketing Cooperative, ASKI Skills and Knowledge Institute and the ASKI Global Ltd.

ASKI has already been fulfilling its social mission not only by providing credit to the poor but by doing community development works and outreach program for the children, health program for senior citizens, medical mission and donating to charitable organizations
and the likes.

In July 2010, ASKI started to offer its programs and services to the overseas Filipino workers (OFWs) particularly in Singapore through the ASKI Global Ltd. They were given free training on basic entrepreneurship so that they can make sound investments from the earnings.

The ultimate goal is to assist Filipinos in Singapore by giving them training courses that could help in their work, personal lives, and strengthening of family values. The organization is also assisting them in establishing their own business enterprises in the Philippines to provide additional source of income for their families.

Through the continuous partnership with Philippine Embassy and the National University of Singapore Asia Centre for Social Entrepreneurship and Philantrophy, ASKI Global intends to direct the productive use of remittances and address employment problems in many developing countries and carry on its vision not just in Singapore but also to countries where there are OFWs. 

ASKI is now a global development organization committed to holistic transformation, with the aim of promoting socio-economic development and spiritual transformation through client focused financial and non-financial services anchored on Christian principles.
ASKI is an active conduit of NLDC since 2005. It has an existing Credit Line of Php110.0 Million with NLDC-LCAP.  

Most Outstanding Non-Government Organization for Luzon II
J.M. Honrado Foundation, Inc.
Piot, Sorsogon City

J.M. Honrado Foundation, Inc., is a private, mission-driven company that provides microcredit to entrepreneurs. October 19, 2004 marked the opening of J.M. HONRADO FOUNDATION INC. (JMHFI) in Sorsogon City, under SEC Registration No. 29482 with an initial fund balance of Php1,000,000.00. The Honrado family, the founder are well known for their experienced in rural banking. It was named after the late Atty. Jose M. Honrado who dreamed to have a foundation someday with the aim of alleviating poverty in the community. Its humble beginning was a product of selfless adherence to the less privileged in the community and placing them in a hopeful situation by providing means to fight life's struggle. This is believed to be the most sought-after ideal of the founder himself, Atty. Jose M. Honrado.

At present, the foundation employs nearly 100 locals and has a branch network consisting of 9 branches regionwide (3-Sorsogon, 1-Masbate, 5-Camarines Sur). By 2015, JMHFI aims to establish a total of 16 branches all over Bicol region, with 20,000 active clients and total loan portfolio of 100M.

JMHFI has grown steadily from the beginning, as measured by total loan portfolio of 29M with 8,906 active clients and total assets of 36M under management (as of Aug. 31, 2011). Its entire loan portfolio has been financed by investments of private individuals and commercial institutions such as the National Livelihood Development Corporation JMHFI's partner since its inception. JMHFI embodies a profitable business model with four major components: talented lieutenants, local and well-trained staff, market penetration, and the use of effective technology. JMHFI has operated without subsidies or grants; National Livelihood Development Corporation has been its partner since day one for over seven years while providing healthy returns to them. Moreover, JMHFI lends at rates that is competitive and maintained its PAR at less than 1.5%.

JMHFI is an active member of the partner-conduit of NLDC since 2007, with an existing credit line of Php20.0 Million.

Most Outstanding Non-Government Organization for Visayas
Taytay sa Kauswagan, Inc.
Jaro, Iloilo

Taytay sa Kauswagan Incorporated (TSKI) or "Bridge to Progress" was established as a Christian development organization in 1986 by its then founding Chairman, the late Engineer Jose Tanjanlangit, as an identified community development replicator in the Visayas of a Manila-based NGO.

TSKI aims to alleviate communities from poverty through the provision of financial services, capability building, and social development with an end view of bringing them in the mainstream of society where they can fully attain self-sustainability.

In fulfilling this goal, TSKI employs microfinance as its primary vehicle in bringing the needed economic transformation within the communities in the form of loans, savings, and insurance while skills development and other form of social interventions are used as overriding tools in achieving total transformation. Thus, value-added services in the form of business advisory, enterprise development and trainings are also offered as part of its non-financial products.

TSKI offers a wide range of products and services, which are categorized into financial and non-financial. Financial products and services include microfinance loans, agricultural loans, savings, and insurance. For non-financial, it includes business development service (BDS), Community Enterprise Development (CED) and Capability buildings (skills and livelihood trainings and seminars).

It was named the Most Outstanding Microfinance Institution in the Philippines in 2005 - the highest award ever given to any microfinance implementors in the country.

The organization is fully-certified by Certification International Philippines as compliance to ISO 9001:2008 in all its management processes.

As of 2010, TSKI has a network of 102 branches serving 194,660 loan clients and 342,699 savers all over the country.

Its operation is manned by 3 regional managers and 15 area managers covering the above number of branches with 1,816 field officers and 2,846 support personnel as of the close of December 31, 2010.

TSKI is among the most active partner-conduit of NLDC since 2006. It has an existing credit line of Php170.0 Million under the NLDC-LCAP.

Most Outstanding Non-Government Organization for Mindanao
Starjed Micro Financing Corporation
Surigao City, Surigao Del Norte

Starjed Micro Financing is a family corporation founded by its incumbent president and chairman of the board, who envisions fast and easy access to small loans of small and medium local entrepreneurs. Its humble beginnings as a lending enterprise started to make a difference on February 2002. Just after a month of its operation on the town of Kitcharao, its operation in the city of Surigao followed. Due to the increasing lending activities and number of underprivileged clients who wanted access to small loans at a lower interest rate, it opened another office in Surigao City on May 2003.

Starjed is the only lending company in the city that formalized daily collections as a mode of loan repayment. This practice helped eliminate the bad connotation of "arawn", which used to be a usurious lending practice in the locality among the so-called informal money lenders.

Today, Starjed Micro Financing Corporation is managed and staffed by about two hundred (200) young and dynamic officers and staff who are trained to provide quality customer service to the underprivileged but well-deserving local entrepreneurs in all of its fifteen (15) branches.

Throughout these years, Starjed has been committed to making micro finance the best possible financial alternative for the indigents who have the capacity to making good credit practices as a decent way of life. Heading towards this direction, Starjed is on a dynamic move to reach out to more communities as it continues to strengthen its financial position in the industry.

At present, Starjed holds Corporate Office at 00361 Kaimo Street, Surigao City in its 5-storey Gorne-Gupana Building.

Most Outstanding Cooperative for Luzon I
Nueva Segovia Consortium of Cooperative
Vigan City, Ilocos Sur

Nueva Segovia Consortium of Cooperative is an accredited conduit partner of the NLDC since 2004. It has Php50.0 Million Revolving Credit Line under the NLDC-Livelihood Credit Assistance Program.

It was organized under the Archdiocese of Nueva Segovia thru the initiative of Archbishop Orlando B. Quevedo, OMI, DD and Msgr. Ambrose L. Cabildo, MSW, JCC. The aim of its formation is to create a viable and integrated program among its member cooperatives that would catalyze the holistic development of members in the Barangays and municipalities of the province.

The first consultation meeting to put up a Consortium of Cooperatives was held on June 7, 1992 and the organizational assembly was held on July 5, 1992 to amend/ratify/approve the Articles and By-laws. Thereafter, it was registered on September 17, 1992 with the Cooperative Development Authority with a Registration Number DAG-2218. In October 2009, NSCC was re-registered in consonance with the Republic Act 9520 of the Philippines Cooperative Code.

NSCC at first, only accepted Catholic Church based cooperatives as regular members, however, during the 9th Annual General Assembly, the bylaws on membership was amended. And as stipulated on approved amendments, the membership of NSCC is now open to all primary cooperatives registered with the Cooperatives Development Authority and to open its membership for individuals to become associate members. This then created a greater opportunity of Ilocos Sur, to Region 1, CAR and Region 2. Just recently during the 19th Annual General Assembly this 2011. NSCC now spreads its wings to the whole of Luzon.

Nueva Segovia Consortium of Cooperatives started with a humble beginning of thirteen thousand five hundred pesos (P13,500.00) as initial capital and with only three employees working in its first years. NSCC first affiliated with the Northern Luzon Federation of Cooperatives and Development Center (NORLU CEDEC) and the National Confederation of Cooperatives (NATCCO). Now NSCC is in network with the biggest financial institutions in Ilocos Regions and in the country like the National Livelihood Development Corporation. With the trustworthy records and humble management, NSCC hve also established different tie-ups with the Local Government Units of the Province of Ilocos Sur, City Government of Vigan and the Municipality of Caoayan. With the strong leadership and hardwork of its CEO and its officers, combined with the sacrifices and diligence of its workforce NSCC has now achieved total assets of P470,663,438.73.

Now, NSCC has nine branches in the provinces of Ilocos Sur, Ilocos Norte, Benguet, La Union covering 71 primary cooperatives and has already 17,014 members, it will again open its 10th branch soon in Pagudpud, Ilocos Sur. The first three employees have multiplied into more than 100 and it came from different parts of Region 1.

This 2011 NSCC has opened the service of its grandest project ever, the NSCC Plaza. The administration building that is also income generating with functions of a Commercial Center and a Hotel. This property is now the center of cooperative education in Region 1. It is at the same time promoting tourism activities and generating employment in Metro Vigan. 

The Cooperative is a product of good work, hard work, perseverance, optimism, noble intention, and to sum up: It is a product of God's blessings and inspiration. The organization is only almost two decades old, yet its accomplishments are countless. The cooperative will still continue to do its best to improve the programs and services to give greater benefits to members and communities being served.   

Most Outstanding Cooperative for Luzon II
Countryside Multi-line Cooperative
Daet, Camarines Norte

CMC was originally registered with the Cooperative Development Authority in 1992 as an employees' cooperative of the Bicol Upland Resources Development Foundation, Inc. (BURDFI) primarily engaged in small lending and self-help store operations of office supplies and snack goods.

In 2003, CMC made a great transformation into a multi-purpose agricultural cooperative by opening its doors to new members. From the original 30 employee-members in 1992, CMC's membership grew to 500 in 2003 and has been steadily increasing since. Now, CMC's regular members total 634, with about 12,000 associate members from 210 of the 282 barangays in the province of Camarines Norte comprising of small farmers, fisher folk, agrarian reform beneficiaries, salaried workers, micro-entrepreneurs and small businessmen.

A pioneering endeavor of the cooperative is the Organized Palay Production and Marketing Program started in 2000. Through this program, the cooperative has spared its members, especially the associate members who are largely marginalized, from the usurious practices of the non-formal money lenders, and provided them with sustained livelihood.

CMC is now starting to consolidate the social gains of its Microfinance Program thru a new program dubbed YAKAP (Yaman at Asenso para sa Kabuhayan ng Pamilya) which intensifies savings, diversifies family income sources/enterprises, promotes good family relations by inculcating care, and responsibility to one another and sharing accountability for the loan obligation.

Complementing YAKAP is the newest "line" of the Countryside Multi-line Cooperative, the Center for the Promotion of Agriculture and Rural Enterprises or C-PARE housed at the cooperative's 20 hectare agri-complex. C-PARE is envisioned to be a knowledge center for agricultural and rural development technologies in the region at the same time that it will be an agri-ecotourism destination.

The Coconut Farm Development Program of CMC cannot be ignored. The coop reared 50,000 coconut seedlings and distributed them to farmers on a "Plant Now, Pay Later" scheme, when the trees bear fruit.

CMC was able to accomplish all these because of partners and creditors, namely, the NLDC, the Landbank of the Philippines, BPI-Globe BanKo, the UCPB-Cooperative Industry Investmend Fund Finance Corporation, the Small Business Corporation, the Consuelo "Chito" Madrigal Foundation, Inc., and the Bicol Habitat for Humanity Foundation, Inc. Through its almost two decades of existence, CMC also remained a close ally of LGUs and national government agencies like the DENR, the Department of Agriculture, the National Food Authority, the Philippine Coconut Authority, etc.

To top it all, the not-so-secret ingredients in CMC's success are, of course, the support and cooperation of members and the dedicated service of the CMC leaders and employees. 

CMC has an existing Revolving Credit Line with NLDC amounting to Php48.0 Million. It is an accredited partner-conduit since 2005.

Most Outstanding Cooperative for Visayas
Loay Community Multi-Purpose Cooperative
Loay, Bohol

In the early 1970's the Diocese of Tagbilaran City organized cooperatives from different parishes in Bohol. One of the eight parishes chosen was Loay Parish. The late Fr. Ranulfo Nazareno, then Parish Priest of Loay, organized the Loay Credit Union with the purpose of alleviating the economic condition of the people and serve as an alternative lending facility to liberate the poor from the bondage of poverty.

Loay Credit Union was registered with Cooperative Administration Office on August 14, 1972, with the original name of Loay Community Credit Union Inc. and was re-registered with the Cooperative Development Authority (CDA) on August 17, 1992 as Loay Community Multi-Purpose Cooperative (LCMPC).

Almost all of the eight cooperatives organized by the church did not survive. In the year 1996, LCMPC was in the verge of collapse with a delinquency rate more than 75% by maturity. Findings of Coop Experts showed that the situation of LCMPC during that time seemed impossible to survive. 

In 1997, a new set of officers and staff took over LCMPC. The new Management, in the face of many ordeals, remained strong and hopeful. This optimism, coupled with hard work and strong determination, paved the way for the cooperative's recovery. LCMPC regained a good image from the members and the community which was elusive for almost 25 years of its existence. 

Unprecedented success is manifest through various milestones that LCMPC has achieved. From its humble beginnings, LCMPC has indeed come a long way. Today, LCMPC has 7 branches strategically located in major municipalities in Bicol manned by 66 staff. Its four-storey Main Office building rising up in front of Loay Public Market serves as a landmark in the beloved hometown of Loay with ATM services installed for the convenience of our members, the people in our community, and in neighboring towns as well. 

LCMPC is also a recipient of several awards, namely: Most Outstanding and Progressive Cooperative in the Province of Bohol (Victo 1999), Institutional Excellence Award Province Category (Victo 2000), Most Outstanding Cooperative in Bohol (CDA 2001), Most Outstanding Cooperative in Bohol (PCDC 2002), Top 20 Millionaire Cooperative in the Visayas in terms of Assets, Revenues, and Income, GawadPitak 2009 Most Outstanding Cooperative in Region 7 (Landbank of the Philippines). These awards continue to motivate us to improve our services and expand network. It is our dream to be "The Center and Symbol for Kaliwat BOLANON in the Whole Country." Along with this, part of our development plan is to put up branches in key cities in Mindanao and Metro Manila. 

To date, LCMPC has over Php200 Million in assets with 14,000 members. All these are made possible by the grace, providence and guidance of our Almighty God. 

LCMPC is an accredited partner of NLDC since 2007 and has a revolving Credit Line of Php31.4 Million. 

Thirty-nine years of service is not enough. Our success is an on-going journey. That is why, with God's help, Loay Community Multi-Purpose Cooperative will continue to pursue the noble cause of helping its members to be liberated from financial constraint.   

Most Outstanding Cooperative for Mindanao
Gata Daku Multi-Purpose Cooperative
Clarin, Misamis Occidental

Gata-Daku started with 32 members. Despite the many challenges and unforeseen risks that it has experienced, GDMPC survived by sharpening, and shaping its manpower's knowledge, skills, and attitudes. The organization underwent series of training that enabled them to clearly see their vision as a group and from then on, there is no stopping them from rising among the ranks of the industry. 

Today, GDMPC keeps envisioning itself as a world class cooperative in an empowered society; an empowered society where each household enjoys an income that can afford them their basic needs of food, shelter, education, health, and clothing; an empowered society with an environmentally sound and profitable business enterprises; an empowered society with families who enjoy harmonious relationship in a prosperous and peaceful community; an empowered society where communities exercise their rights and privileges; and above all an empowered society that values sound principles and fears God.

In line with its mission to provide excellent services to its constituents, GDMPC adheres to values. Their operation is based on sound economical and ecological practices. Their quality of work is at par with a true mark of competence and professionalism. Their commitment enables them to work together and it thus achieves excellence. They also encourage high level of morale through recognition, humility, and sincere and positive human relations. These values include even the aimto create a society where everyone can equally participate to maximize their potential. 

In the near future, GDMPC further aims to reach more target clients and meet their needs to effect positive change in everybody's life.

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