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Share your info about CEBU CFI COMMUNITY COOPERATIVE...


This discussion is about "Share your info about CEBU CFI COMMUNITY COOPERATIVE..." in the "General Discussions" forums.
Originally Posted by ejadlaon kilid sa capitolyo sa cebu pangutana ras guardia dako na na building migo. salamat sa info...

  1. #101
    C.I.A. trabiz's Avatar
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    Quote Originally Posted by ejadlaon View Post
    kilid sa capitolyo sa cebu pangutana ras guardia dako na na building migo.
    salamat sa info

  2. #102
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    this is helpful. thanks TS for this.

  3. #103
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    Quote Originally Posted by ejadlaon View Post
    sakto ka kalibog kaau nganom man ta mangutang ako gikwenta murag in the end mugamay man nuon ato kwarta na gi invest kai 2 percent man per month diminishing ang utang so 2%x12 mos = 24% per annum + principal amount nimo MINUS (-) total gain na 30% or 35% more or less 8%-9% nlang sakto ba? mga istoryans... investor man sad ko ani pero ulahi nako kai pagkasunod tuig need na gyud mo loan.
    Hi mga istoryans! Let me share unsa akong idea. Sa akong pagsabot sa ilang seminar mga migo, ang loan man gud ang major source of income sa coop. And since coop man, as members / cooperators, kinahanglan sad nga ipatronize ang service(s) sa cooperative. Coop man ni siya, so ang members ra sad ang makapalambo ani thru patronization of its own services. Okay ra man kung di ka mo-loan, naa man gihapon kay dividend. But of course, mas dako gyud ug bahin kadtong mga naka-loan, those who have contributed sa income sa cooperative. And regarding sa computation sa incentives and dividend, 15% member's incentives ilang ihatag inig ka December sa naka-loan. That is 15% of your share capital, plus 15% of the total interest paid for the whole year. And then come February, usually 15% gihapon na ila sharing (depende sa income sa coop, so far, niabot na sila ug 20% sa Feb kaisa). If wala ka ni-loan, 4% ra imohang makuha. So naa gihapon ka'y gain diba? Hehe. Ang sekreto ra jud ana, kung mag-loan ka for the sake of incentives (basta wa kay gamitan sa imong gi-loan), bayari dayon. Mao na ginabuhat sa mga nag-refer nako diri. Hope this helps.
    nowayL and mariondencel like this.

  4. #104
    Senior Member CRAZYFISTS's Avatar
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    govt.employee ko member pud ko sa cfi,ang purpose nko ngpa member ko is ang insurance ra gyud wa koy planu mag loan bhala pud wa koy dividend.. mao ni ako nsabtan,sa 7k plus nako insured ko 100k per year sa two years,simbako ma dsgrasya ko operahan o masakit og ma admit refunan ka sa imu nagasto upto 100k per year,tanan tertiary hospitals sa cebu affiliated ang cfi, and if example ma hospital ka outside cebu or not cfi partner hospitals tagoa imu tanan recebo refunan ka nila ana..salamat

  5. #105
    Elite Member Palos's Avatar
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    Quote Originally Posted by CRAZYFISTS View Post
    govt.employee ko member pud ko sa cfi,ang purpose nko ngpa member ko is ang insurance ra gyud wa koy planu mag loan bhala pud wa koy dividend.. mao ni ako nsabtan,sa 7k plus nako insured ko 100k per year sa two years,simbako ma dsgrasya ko operahan o masakit og ma admit refunan ka sa imu nagasto upto 100k per year,tanan tertiary hospitals sa cebu affiliated ang cfi, and if example ma hospital ka outside cebu or not cfi partner hospitals tagoa imu tanan recebo refunan ka nila ana..salamat
    Thanks for this sir. Mao sd ni ako gnhn unta 😊 walay age limit sir? Kuhaan pd ta nako ako mama ako ipa member salamat

  6. #106
    Senior Member CRAZYFISTS's Avatar
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    murag wla ra bro,mahog nag independent member ka or private kay d man affiliated sa govt. pwd ra na. pero either govt.or private member ka 6mos. pa nimu magamit ang insurance not unless emergency example simbako mag accident..para nko mao ni pnaka maau nga cooperative.daghan members ani mga abogado og doctors so mka assured ka d gyud ma down and since cooperative ni wala ni tax so intact ang pundo sa kada member dli mag anam og kahurot.

  7. #107
    C.I.A. Scott Bernard's Avatar
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    Question... Naa bay difference sa benefits and perks sa private / non affiliated employee compared sa government employee?

    Pila gani to ang minimum membership / contribution?

  8. #108
    C.I.A. salbahis's Avatar
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    unsa on pag apil ani? pwede ra diha s opon nila nga branch?

  9. #109
    C.I.A. Scott Bernard's Avatar
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    What if mopa member ko anang 7500... unya lets say kada buwan mo save ko ug 1000. Unsa akong makuha / ma gain ana?

    Then dili ko mag loan2x.. assuming lang.

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    Quote Originally Posted by Palos View Post
    Thanks for this sir. Mao sd ni ako gnhn unta 😊 walay age limit sir? Kuhaan pd ta nako ako mama ako ipa member salamat
    Pila edad sa imo mama boss? Way age limit ang membership sa coop itself, but as to healthcare, dili cya compulsory sa mga 60 and above. If your mom is 60 years old or above, ipamember sa cya sa coop. Attend cya sa seminar, then deposit 8k, then comply nya ang mga lab tests / requirements for healthcare enrollment. If ma-approve sa Medical Director iya application based sa results sa iya lab, usa pa cya mamember sa healthcare. Annual Premium is 7500 for 60-69 and 10k for 70 and above.

    Hope this helps.

    - - - Updated - - -

    No big difference actually. Sa loan privileges ra naglahi kay kung government employee ka unya naa memorandum of agreement imo office with CFI, okay ka mo-loan ug dako based on your net take-home pay. Kesa private employee ka or self-employed, imong loanable amoun mag-base ra sa imong investment.

    - - - Updated - - -

    Quote Originally Posted by Scott Bernard View Post
    Question... Naa bay difference sa benefits and perks sa private / non affiliated employee compared sa government employee?

    Pila gani to ang minimum membership / contribution?
    No big difference actually. Sa loan privileges ra naglahi kay kung government employee ka unya naa memorandum of agreement imo office with CFI, okay ka mo-loan ug dako based on your net take-home pay. Kesa private employee ka or self-employed, imong loanable amoun mag-base ra sa imong investment. Ila minimum kay 8k na karon, unya naa additional 500 para membership fee something eklavush. Hehe
    Palos likes this.

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