COOPERATIVE MARKETING

JHEI VEE M. BALUSCANG

PHILIPPINE ARMY FINANCE CENTER
PRODUCERS INTEGRATED COOPERATIVE
PHILIPPINE ARMY FINANCE CENTER
PRODUCERS INTEGRATED COOPERATIVE

Mission:
• To deliver services responsive to the needs of its members, their families, and
communities, through quality and prudent management
Vision:
• To be the number 1 Multipurpose Cooperative in providing integrated
financial products and services.
PHILIPPINE ARMY FINANCE CENTER
PRODUCERS INTEGRATED COOPERATIVE

• PAFCPIC stands for the Philippine Army Finance Center

Producers Integrated Cooperative, affectionately referred
to by its members as "PAPSI". PAFCPIC is a multi-
awarded cooperative offering financial services through
deposits and loans to its members serving in the Armed
Forces of the Philippines.   
• PAFCPIC is the first institution-based category winner of Gawad
para sa Pinakatanging Kooperatiba (Gawad PITAK) of the Land
Bank of the Philippines in 2004. It was the first cooperative
recognized for Family Welfare and Community Development in
2004 and for Labor-Management Relations in 2013 under the
Search for Model Companies by the Department of Trade and
Industry (DTI) Center for Industrial Competitiveness. It was also
the first cooperative to have been bestowed the Philippine Quality
Challenge Level 2 Award in 2015 by the DTI Competitiveness
Bureau in partnership with the Philippine Society for Quality Inc.
MEMBERSHIP

• PAPSI KA-MAY-ARI ONLINE MEMBERSHIP APPLICATION

 Applying to become a PAFCPIC member has become so much easier! If you
want to be a Ka-mayari today, click on the following link now.

 https://bit.ly/ka-may-arionlinemembershipreg
A. Regular Member
1. Military personnel and regular civilian employees assigned with the
Philippine Army
2. Regular employees of PAFCPIC
3. Legitimate surviving spouse or any legitimate child 18 years of age and
above of a deceased regular member following the latter’s death
4. Legitimate surviving ascendant or any one sibling 18 years of age and above
in case the deceased regular member is single at the time of his death.
Regular members are entitled to all rights and privileges to include the right to
vote or be voted upon.
B. Associate Member
• Dependents of regular and associate members - refer to the legitimate
spouse, children, parents and siblings of regular and associate members
The associate member sponsoring his dependents shall not be allowed to
sponsor any other dependents. The one sponsored is no longer entitled
to sponsor any of his dependents. 
• Retired or honorably separated personnel of the Armed Forces of the
Philippines (AFP)
• Military personnel, technical and/or administrative personnel in the
active service of the AFP assigned in the armed services or separate
units of the AFP 
• Regular employees of the following: AFPSLAI, AFPRSBS,
AFPMBAI, AFPCES and AFPGIC `
• Regular employees of PAFC Transport Service Cooperative and PAFC
Housing Cooperative 
• Regular civilian employees of General Headquarters and other AFP
Wide Service Support Units
• Pensioners of AFP / Philippine Veterans Administration Office
(PVAO); and
• Regular members of the adopted Military Barangay / Cooperative and
such other cooperatives that may be created with the help of PAFCPIC.
Associate members are entitled to all rights and privileges except the
right to vote and be voted upon. 
WHAT ARE THE REQUIREMENTS? 
A. General Requirements
• Filled-out membership application form 
• 2 pieces recent 1” x 1” ID picture 
• Photocopy of any valid IDs (military or civilian employee ID, company
ID, dependent’s ID, pensioner’s ID, whichever is applicable)
• Photocopy of Official Receipt for initial Share Capital 
• Photocopy of PMES Certificate
B. Specific Requirements
 For Regular Members 
• Officers ----- CAD / ETAD 
• Enlisted Personnel ----- Enlistment Order or Re-enlistment Order 
• Civilian Employees ----- Appointment Order 
• Regular employees of other financial institutions ---- Appointment Order 
 For Associate Members
• Medical Certificate for We Care Program
• Parents ----- Birth Certificate of sponsoring member 
• Spouse ----- Marriage Certificate 
• Children ----- Birth Certificate and/or Marriage Certificate (for married
female child only) 
• Retired / Pensioner / Honorably Discharged ----- Retirement Order or
Honorable Discharge Order
• Civilian employee of GHQ and AFP WSSU ----- Appointment Order
• Regular employees of other financial institutions ---- Appointment Order 
 HOW TO APPLY FOR MEMBERSHIP?

• Secure and fill-out membership application form.

• Submit accomplished membership application form with documentary
requirements at the main office, any satellite office or during membership
recruitment drives.  
• Pay initial share capital contribution of P 200.00 at the cashier. 
• Attend the Pre-Membership Education Seminar (PMES) held every Tuesday and
Thursday from 9:30 am to 12 nn in the main office and 2 pm to 4 pm in satellite
offices.
• Claim passbook and ID within prescribed period.
WHAT ARE MEMBER’S BENEFITS AND
PRIVILEGES?

• Free lifetime membership 

• Highest interest rates on deposits and investments 
• Lowest interest rates on loans 
• No hidden charges & no advance payment required on loans 
• 3x per year patronage refund 
• Various assistance programs 
• Best customer care
DEPOSITS

A. REGULAR SAVINGS ACCOUNT

Our members have the exclusive privilege of saving money through the
PAFCPIC Regular Savings Account.
• Required maintaining balance is only P200.00 
• Earns 4.5% interest rate per annum - significantly better than interest rates
offered by most Philippine banks, usually set at only 1% per annum or lower
B. SPECIAL SAVINGS DEPOSIT
Needing investment options? PAFCPIC introduces the Special Savings Deposit
(SSD)
• Minimum of P 10,000.00 investment
• SSD offers 6% interest rate per annum
• Provided that the amount is not withdrawn within six months of placement.
C. SHARE CAPITAL
PAFCPIC members are co-owners of the enterprise. Be a ka may-ari of PAFCPIC
today!
• Required amount per member is P10,000.00, redeemable upon termination of
membership
• Members are issued a Share Certificate representing the number of shares owned
LOANS

• PAPSI KA-MAY-ARI ONLINE LOAN APPLICATION

Submitting your loan application and initial requirements just got easier! Click
on the appropriate link below to send your loan application online.
• FOR ACTIVE MEMBERS:
https://bit.ly/ka-may-arionlineloan
• FOR PENSIONERS:
https://bit.ly/ka-may-arionlinepensionloan
WHAT ARE THE DIFFERENT LOAN PRODUCTS AVAILABLE?
*AVAILABLE LOAN TERMS DEPEND ON BRANCH OF SERVICE AND TYPE OF LOAN

A. PETTY CASH LOAN 

• Covers small expenses and bills

• Maximum term of payment:  12 months or 1 year
B. EMERGENCY LOAN 
• Applies to immediate financial needs
• Maximum term of payment:  36 months or 3 years
C. SALARY LOAN 
• Covers medium to large-scale expenses such as but not limited to house repairs and
other similar expenses
• Maximum term of payment:  72 months or 6 years
D. MULTI-PURPOSE LOAN
• Covers a wide variety of expense types
• Maximum term of payment:  72 months or 6 years
E. APPLIANCE LOAN
• Applies to installment purchase of durable items such as but not limited
to appliances, furniture, firearms and equipment
• Maximum term of payment: 72 months or 6 years
F. BUSINESS LOAN (now with fewer requirements)
• Supports livelihood and income-generating projects
• Maximum term of payment:  72 months or 6 years
G. SPECIAL EDUCATIONAL ASSISTANCE LOAN (SEAL)
• Covers educational needs such as but not limited to tuition fees and other school-
related expenses of members or dependents
• Maximum term of payment: 12 months or 1 year 
H. BACK-TO-BACK LOAN 
• Maximum loan ceiling depends on member’s Regular Savings Deposit, Time
Deposit and/or Share Capital as collateral
• Maximum term of payment: 60 months or 5 years
I. COMMUTATION LOAN 
• Intended for retiring personnel or heirs of deceased military personnel of the
Philippine Army; charged to commutation benefits
• Maximum term of payment: 6 months
J. PENSION LOAN 
• Available to member-pensioners
K. CALAMITY LOAN (on a per need basis)
• Intended to provide immediate assistance to members affected by calamities
such as typhoons, floods, fires and earthquakes, among others
• Maximum term of payment:  72 months or 6 years
• L. HOUSING LOAN (NEW!!!)
• Used for the acquisition of a lot, a house-and-lot unit, a condo unit or other
real estate properties, as well as for house construction and repair
• Maximum term of payment:  72 months or 6 years
M. CAR/AUTO LOAN (NEW!!!)
• Intended for the acquisition of a vehicle
• Maximum term of payment:  72 months or 6 years
N. PROVIDENTIAL LOAN (NEW!!!)
• Covers travel and leisure, education-related expenses, minor house
repairs, utility bills, and other miscellaneous expenses 
• Maximum term of payment:  36 months or 3 years
WHAT ARE THE REQUIREMENTS?

A. BASIC REQUIREMENTS
• Current and preceding original pay slips 
• Photocopy of PAFCPIC ID and any valid government ID
• Pre-Membership Education Seminar (PMES) attendance
B. OTHER REQUIREMENTS 
 Philippine Army
• Photocopy of ETE / ETAD / Appointment Order / Executive Order 79
• Authority to Deduct
• Discipline, Law and Order Clearance (if loan amount is P200,000.00 and above)
• Certificate of Non-Pending Case (if loan amount is P200,000.00 and above)  
• Deed of Assignment (for Commutation Loan only)
 Philippine Air Force 
• Photocopy of ETE / ETAD / Appointment Order / Executive Order 79
• Authority to Deduct
• Photocopy of ATM (for those who are 15 years and above in regular service) 
• Provost Marshall Clearance
• Spouse Consent or Waiver / Certificate of Singleness
 Philippine Navy 
• Photocopy of ETE / ETAD / Appointment Order / Executive Order 79
• Authority to Deduct
• Photocopy of ATM (for those who are 15 years and above in regular service) 
• Provost Marshall Clearance
 Retirees / Pensioners 
• Retirement Order or Posthumous Order 
• Photocopy of Pensioner’s ID or Beneficiary ID 
• Certificate of Beneficiary (for heirs only) 
• Other forms to be filled up for credit insurance 
 Business Loan
• Business Information Form, Barangay Business Clearance / Permit and interview
by PSO Head
• Business Information Form, Business Permit / Mayor’s Permit and interview by
PSO Head 
 Special Educational Assistance Loan (SEAL) 
• School Assessment and / or quotation of required books (not yet enrolled)
• Billing Statement / Official Receipts (OR) for current school fees and / or
required books / uniforms (already enrolled)
• Assessment Billing and / or any proof of documents (not yet registered for Board
review and examination)
• OR for examination and review fees (already registered for Board review and
examination)
 Commutation Loan Retiring personnel 
• Land Bank of the Philippines (LBP) ATM card
• Deed of Assignment and Authority for Fund Transfer (AFT)
• Statement of Last Payment (SOLP)
• Commutation and Retirement Order 
• Personnel Action Form (if necessary) 
• Military Leave or Furlough Record
 Heirs of deceased member
• Posthumous Order 
• Distribution of Final Decree
• Certification of Beneficiaries from Army Record Center (ARC)
• Authority to Deposit (if for deposit to RSD)
 Calamity Loan
• Proof of Residence (Barangay Certificate, ID or billing address)
• Barangay certification (for fire victims only)
 Car Loan
• Quotation from authorized / legitimate car dealer
 Housing Loan 
• Any proof of ownership (title, deed of sale, etc.)
SPECIAL SERVICES

TRADING & ALLIED SERVICES

A.  PAPSI MART
• Appliances, furniture, electronics (laptop computers, mobile phones, etc.),
motorcycles, bicycles, etc. 
B. Grocery (only available in PSO-Fort Bonifacio)
C. PAPSI Pure Water Refilling Station (only available in PSO-Fort
Bonifacio)
• The healthiest drinking water undergoes 12 stages of water treatment process
using Multi-Pure technology certified by the National Sanitation Foundation
(NSF) International, the largest global third party that certifies drinking water
treatment system
D. Bayad Center (only available in PSO-Fort Bonifacio)
• A ‘no-hassle’ approach to timely bill payments
E. PAPSI Photo (Digital Photo Services)
F. Photocopying Services
G. Electronic Load
H. Function Hall Booking
• 4th floor Multi-Purpose Hall, PAFCPIC Main Office, Bayani Road, Fort
I. Office Spaces for Lease
• PSO - FORT MAGSAYSAY
Tel (044) 806-1958
• PSO - CEBU
Tel (032) 231-5785
• PSO - CAGAYAN DE ORO
Tel (088) 273-8682
• PSO - GENERAL SANTOS
Tel (083) 552-3412
• PSO - ZAMBOANGA
Tel (062) 983-0368
PAPSI ASSIST

A. SOCIAL SERVICES
• Extends medical items / equipment such as but not limited to wheelchairs,
crutches and medicines for individual members and / or their direct
dependents. 
B. SOCIO-CIVIC SERVICES
• Extends tangible assets and other forms of assistance such as but not limited
to office equipment, outdoor power tools and equipment, entertainment
equipment and appliances to government and non-government / private
institutions or organizations. 
C. CORPORATE SPONSORSHIP 
• Extends tangible assets such as money and equipment identified as
sponsorship fee or advertisement fee in exchange for media exposure,
promotions, visibility, advertisement and media relations identified as
sponsorship package.

SCHOLARSHIP PROGRAM
• Grants support to deserving regular members or their dependents who
are currently pursuing or will be pursuing tertiary education, subject to the
terms and conditions set by PAFCPIC.
WE CARE PROGRAM (WCAP)
• Provides financial assistance to the bereaved family and loved ones of a
deceased subscribed member for as little as P50.00 in monthly premiums.
• COMMUNITY DEVELOPMENT PROGRAM
• Organizes, develops and sustains community-based organizations in areas
near satellite offices and/or major military camps.
ADVOCACIES

PAFCPIC PARTNERS WITH PHILIPPINE ARMY TO HELP LOCALLY

STRANDED INDIVIDUALS (LSIs)
• Imagine having no choice but to set up temporary sleeping areas outdoors, far
away from your home–risking exposure to coronavirus and not being able to be
with your family during this pandemic period. Imagine having to go about your
daily business while constantly at risk of getting sick, not because you want to
violate orders, but because you can’t go home and you need to survive.
FULFILLING OUR MISSION WITH THE COMMUNITY
• Of the Principles of Cooperativism, the seventh is “concern for the
community.” This principle in addition to values such as caring for others
and social responsibility highlight the duty of cooperatives not just to its
members but also to the larger community where they belong.
• In partnership with the AFP, which has been a crucial contributor to the
national government's approach in addressing the COVID-19 pandemic,
PAFCPIC provided a total of P50,000.00 thru OG3, HHSG in support of
LSIs who have been stranded for almost 4 months.
DELIVERING RELIEF WHERE IT’S NEEDED MOST
• Our partners on the ground led by Major Arvin A. Llenaresas, immediately
visited and assessed the urgent humanitarian needs of the displaced persons,
who were at that time, brought to the Philippine Army Headquarters.
• A total of 1,000 packed meals and 1,000 bottle waters were distributed to
LSIs who had been staying there without proper water, sanitation, and
hygiene facilities, as well as with decreased access to food.
SUPPLYING THE FIGHT AGAINST THE PANDEMIC
• Prior to this program, PAFCPIC had already been working with partners to
deliver vital supplies to support the fight against the COVID-19 pandemic.
The cooperative earlier collaborated with G1 Philippine Army and AFP
Health Service Command, and delivered donations worth Php550,000.00 and
Php200,000.00, respectively. Both would be used for the procurement of
ventilators which would serve as crucial portable devices in ventilating
patients during transportation and emergency situations
• Apart from helping the Armed Forces of the Philippines, PAFCPIC also
provided COVID-related assistance to other organizations
FINDING HOPE AND SOLIDARITY AMID THE UNCERTAINTY
• The disruptive nature of this outbreak requires us to be agile and flexible in
moving forward and in how we respond. PAFCPIC believes that helping to
alleviate difficulties in the lives of others through these projects is a way to
send a message of hope that can overcome this pandemic and encourage
people to keep moving forward. In these times of uncertainty, we are
confident that if we continue to stick together as one national family, we will
emerge from this challenge better positioned than ever to take cooperativism
to new heights.
THANK YOU AND HAVE A
NICE DAY