COLLECTION SERVICES

  • PENSION
  • PRE-NEED MONTHLY PREMIUMS
  • INSURANCE MONTHLY PREMIUMS
CONSUMER GOODS
  • PAPSI Pure Water Refilling Station
  • PAPSI Grocery
  • PAPSI Photo
  • PAPSI Eload (Smart, Globe, TM, TnT)
  • Photocopying Services
DURABLE GOODS
  • Home Appliance Units
  • Furniture
  • Motorcycles and Bicycles
  • Computer Sets and Laptops
  • Cameras
  • RTW Apparel
  • Mobile Phones and Accessories
  • Firearms

OTHER SERVICES
  • BAYAD CENTER
  • RENTAL/LEASING

SHARE CAPITAL

  • Common Share Capital for regular members
  • Preferred Share Capital for associate members
  • Minimum share capital is P 10,000 per member
  • Yields depend on profitability, 20% per annum in the last 12 years

DEPOSITS

  • Preferred Savings Deposit
▪ Initial deposit of P 200
▪ Yields 14% per annum posted every quarter
▪ P 10,000 maximum deposit limit per month
  • Regular Savings Deposit
  • ▪ Maintaining balance of P 200

    ▪ Yields 5% per annum

  • Time Deposit
  • Yields range from 5.5% to 8.5% depending on    term

  • Saved Money Intended for Life and Education (SMILE) Deposit
  • ▪ Yields 7% per annum

LOANS
  • Salary Loan
  • Emergency Loan
  • Petty Cash Loan
  • Durable Consumer Goods Loan
  • Income Generating Project Loan
  • Special Educational Assistance Loan
  • Back to Back Loan
  • Calamity Loan
  • Cash Advance