News and Advisory

PECCI ADVISORY

02/23/2023

Are you PECCI’s Most Successful Loan Availer?

Do you know a member who was able to achieve financial independence thru the wise use of money obtained from PECCI loan/s thereby making a difference and uplifting the life of his/her family?

You may nominate yourself or a member who would meet the qualifications below.

We are proud of you for setting a good example sa ating mga ka-PECCI! Nominate now! 💚🧡

Download the Nomination Form here: https://bit.ly/pecciloanavailer

PECCI ADVISORY

02/23/2023

Pang Business, Travel, Emergency or Gadget Needs? We got you, Ka-PECCI! Nagtaas na ang maximum loanable amount pero NO INCREASE tayo sa Interest Rate, kaya dito ka na, Ka-PECCI!

Click this link para sa ating automated loan request form: https://bit.ly/PECCILoan or

Contact our customer care via email:
📩 customercare@pecci.com.ph

🎯 Know someone who is not yet a PECCI Member? Forward this link to them: https://bit.ly/peccimembershipinterest

PECCI ADVISORY

02/16/2023

TO : All PECCI Members

DATE : February 16, 2023

SUBJECT : MANAGEMENT ADVISORY (2022 Dividends)

Hello Dear Members!

We are glad to announce that your Cooperative has generated an Undivided Net Surplus of P190.5 million, for the twelve months ended December 31, 2022. This is 5% or P8.7 million higher than the Undivided Net Surplus last year. After deducting the statutory funding requirements, the Net Surplus Available for Dividend Distribution amounted to P142.9 million.

...

The factor rates are 4.74% (2021 - 4.67%) and 12.12% (2021 – 10.79%) on interest on shares capital and patronage refund, respectively, resulting into a weighted dividend rate of 6.95%. While our nation experienced historical highs in terms of inflation, PECCI was able to surpass the national average of 5.80% by 1.15%.

In a Board meeting held on February 15, 2023, your Board of Directors has approved and authorized the release of the 2022 Interest on Share Capital and Patronage Refund. It will be credited to your respective ATM accounts on February 17, 2023.

This achievement would not have been possible without your constant patronage of our loan products and services. This year has shown that despite the post pandemic challenges, we can still attain our objectives by supporting one another, proving once again, that the strength of our Cooperative lies within each one of us.

Let us continue to patronize our Cooperative. Let us continue to support PECCI!

PECCI ADVISORY

02/01/2023

Dear Ka-PECCI,

This has reference to the attached Philippine Clearing House Corporation (PCHC) Memorandum Circular No. 3738 dated January 17, 2023.

Starting May 1, 2023, all check issuances shall be dated in the full numeric format MM-DD-YYYY.

However, checks with alphanumeric format can still be accepted as long as they meet the following qualifications:

• The check is among the Checks described under Section 2.2 of OM No. 21-036, which are as follows:

...

➤ Post-Dated Checks (PDCs) accepted/stamped "Warehoused" by banks prior to May 2, 2023;

➤ PDCs without "Warehoused" stamp but bearing or printed with "Unique Identification Code" (UIC) that indicates receipt by banks (for warehousing) prior to February 11, 2019 (date of issuance of CICS OM No. 19-030); or

➤ Manager's Check/Cashier's Check issued by the clearing banks bearing the Waiver Statement and features required prior to the issuance of CICS OM No. 19-030;

• It is dated on or before April 30, 2023 and presented to the Presenting Bank for deposit prior to the 180th day from its issue date.

Checks that do not conform with the qualifications listed above MUST be replaced with new ones before May 1, 2023 and submitted to PECCI office.

For further clarifications, please do not hesitate to contact the following:

For your information and guidance please.

Thank you.

PECCI Management

PECCI ADVISORY

01/20/2023

TO : ALL PECCI MEMBERS

FROM : EDCOM Chairperson

SUBJECT : SUBMISSION OF PROPOSED AMENDMENTS AND RESOLUTIONS
FOR CONSIDERATION OF THE 2023 PECCI ANNUAL REPRESENTATIVE ASSEMBLY

In connection with the 2023 PECCI Annual Representative Assembly, please submit your proposed amendment/resolution (hard copy and soft copy) through your elected Representatives on or before January 31, 2023, 5:00 PM to:

...

PECCI EdCom Secretariat
4th Floor, Universal-Re Bldg.
Paseo de Roxas cor. Perea Sts., Makati City

Email: edcom@pecci.com.ph

Please use the attached form in the preparation and submission of your proposed Amendment/Resolution which can be downloaded from the PECCI Website. We have posted sample proposals in the PECCI Website for reference. Failure to use the prescribed template will not be considered as a valid proposal.

We will review and evaluate your proposed amendment/resolution and advise you accordingly if this will be included for discussion and deliberation in the 2023 PECCI Annual Representative Assembly.

Thank you.

PRODUCT ADVISORY

12/07/2022

BER-RY MERRY LOAN

May time pa ka-PECCI! Dagdag Budget this Season! ✨✨✨

Nagbabalik ang mas pinaLAKI at mas pinaGANDANG Ber-ry Merry Loan!

Ngayong Season of Giving, nakatulong ka na, nakapag loan ka pa! Just give your consent and we will name a donation after you!

• Gross Loan up to PhP 60,000 Minimum of PhP 30,000
• Quick approval and guaranteed 24-hour release upon completion of requirements
• Give consent and we will name a donation after you!

Requirements:
• Accomplished Orange Form
• Ber-ry Merry Loan Consent Form

Co-makers:
No Deferment - No co-maker
With Deferment - Two (2) co- makers

PRODUCT ADVISORY

11/25/2022

EXPRESS LOAN

Ka-PECCI! Nandito na ang pinakamadali at pinaka-mabilis na Loan Product para sa'yo, ang EXPRESS LOAN!

✅Loan up to P3M!
*loanable amount is subject for evaluation based on the approved express loan matrix
✅No Requirements for shortlisted members!
✅No Co-Maker & Payslip Required
✅Quick approval and guaranteed 24-hour release upon completion of requirements

WHY GET THIS?
• Mabilis at madaling loan offer dahil minimal lang ang requirements!
• One of the lowest interest rates!
• Pwede for all non-deferred members Payroll or Non-Payroll

Payment Options:
Payroll - PDC or Automatic Salary Deduction
Non-Payroll - PDC, Over-the-counter payment or via Savings Deduction

PRODUCT ADVISORY

11/10/2022

BER-RY MERRY LOAN

A Ber-ry Merry Christmas Everyone! ✨✨✨

Nagbabalik ang mas pinaLAKI at mas pinaGANDANG Ber-ry Merry Loan!

Ngayong Season of Giving, nakatulong ka na, nakapag loan ka pa! Just give your consent and we will name a donation after you!

• Gross Loan up to PhP 60,000 Minimum of PhP 30,000
• Quick approval and guaranteed 24-hour release upon completion of requirements
• Give consent and we will name a donation after you!

Requirements:
• Accomplished Orange Form
• Ber-ry Merry Loan Consent Form

Co-makers:
No Deferment - No co-maker
With Deferment - Two (2) co- makers

PRODUCT ADVISORY

10/29/2022

ONE-TIME BIG TIME LOAN 2

Good News Ka-PECCI! Nandito na ang sagot sa iyong Holiday Worries - Ang One-Time Big Time Loan 2!

✅No Share Capital Requirement (Para sa mga NEW members na PLDT Employees!)
✅No Interest Rate Increase! (9% diminishing)
✅ Net Proceeds of P78,400 for non-deferred at P58,800 for Deferred members!
✅ 1 RAFFLE ticket sa PECCI Pamaskong Raffle this December 31, 2022!
✅*May LIBRE pang P50,000 Accidental Death Insurance for the First 300 Availers!

Available from November 3 to December 31, 2022 lamang ito kaya avail na, ka-PECCI!

3rd Quarter Financial Performance 2022

10/26/2022

KEEPING THE PACE

Matapos ang unang siyam na buwan ng taon, tayo ay nakapag-generate ng P115 milyon na Undivided Net Surplus. Ito ay mas mataas ng P13 milyon kung ikukumpara sa naging performance natin nuong 2021.

In terms of Revenue, kumita tayo ng P27 milyon more, ngayong 2022 compared nuong 2021. Ito ay bunga ng patuloy ninyong pagsuporta sa ating mga loan products and services.

Ang P9 milyon increase sa Administration Cost ay mainly due sa ginastos natin nuong 2022 Representative Assembly. If you remember, wala po tayong Assembly nuong 2021. Despite this increase in cost, mas mataas pa rin ng 13% ang ating Undivided Net Surplus compared sa same period, last year.

REVENUE (KITA)

Ang "Interest from loans" ay ang pangunahing pinanggagalingan ng ating kinikita. Ito ay ang mga interest na ating nakokolekta, mula sa mga inutang ng ating mga members.

Sa mga tumatangkilik ng ating mga pautang, saludo kami sa inyo, at sana'y patuloy ninyong suportahan ang ating mga programa at adhikain. Duon naman sa mga miyembro na hindi nangungutang, patuloy namin kayong hinihikayat na mag-participate sa ating mga loan offers para kayo ay makatulong sa ating pag-unlad.

Ang service fees at other income ay nakapag-contribute ng P46 milyon sa ating kabuuang kita. Ang "service fees" ay ang 2% na binabawas natin sa proceeds ng ating mga loans, ang "other income" naman ay mostly mga interest na kinikita natin sa mga time deposits natin sa mga bangko.

...

EXPENSES (GASTOS)

Ang "Financing cost" ay ang pinakamalaking gastusin ng ating kooperatiba. Ito ay ang interest na binabayad ng PECCI sa ating mga members na may deposito o savings account. For this period, P122 milyon ang naipamahagi natin sa ating mga members bilang kita ng kanilang mga savings deposits. 41% ang kabawasan nito mula sa total na kinita natin na P298 milyon.

Ang "Personnel and IT cost" ay ang mga sweldo at iba pang benefits and IT support ng ating mga employees. Ang "Officers' meetings and allowances" ay ang natatanggap ng mga Officers as allowances sa mga meetings nito at sa iba pang activities. Ang kabawasan ng mga gastusing ito, mula sa kita o revenue, ay 11% (Personnel and IT cost) at 2% (Officers' meetings and allowances).

LOAN RELEASES, COLLECTION & NON-PATRONIZING MEMBERS

Ang "Loan releases" and "Collection" ay unti-unti nang nakaka-recover kung ikukumpara sa results nuong 2020. Bagama't ang ating operation ay hindi pa nakakabalik sa 100%, patuloy nating pinagsisikapan na makapag-release ng maraming loans. Ito ay magagawa natin sa patuloy ninyong pagsuporta sa mga revenue-generating activities ng ating kooperatiba.

Ang non-patronizing members o mga miyembro na hindi nangungutang ay bumaba lamang ng 10% for the past 3 years. As previously mentioned, kailangan natin ng suporta ng lahat ng mga miyembro sa pagpapatuloy na paglago ng ating kooperatiba.

PRODUCT ADVISORY

10/01/2022

BER-RY MERRY LOAN

Gawin nating Ber-ry Merry ang ating Christmas! ✨

Nagbabalik ang mas pinaLAKI at mas pinaGANDANG Ber-ry Merry Loan!

Ngayong Season of Giving, nakatulong ka na, nakapag loan ka pa! Just give your consent and we will name a donation after you!

• Gross Loan up to PhP 60,000 Minimum of PhP 30,000
• Quick approval and guaranteed 24-hour release upon completion of requirements
• Give consent and we will name a donation after you!

Requirements:
• Accomplished Orange Form
• Ber-ry Merry Loan Consent Form

Co-makers:
No Deferment - No co-maker
With Deferment - Two (2) co- makers

PRODUCT ADVISORY

09/12/2022

BONUS ADVANCE LOAN

Mga Ka-PECCI! Available nang muli ang BONUS ADVANCE LOAN! A regular loan offer to provide cash advance to members for their upcoming bonuses. These loans will be open the entire year for qualified PECCI Members.

• Open only to members employed under PLDT with credit rating A, B, and C.
• 2% Service Fee
• Quick Approval upon completion of requirements
• Subject to member loan matrix

13th Month, and Christmas Bonus shall be 80% of basic monthly salary after deducting the 30% tax.

Longevity shall be 80% of the longevity bonus after deducting the 30% tax.