Dividends
When the coop does well, so do its members.
Whatever is left after expenses is the members' net surplus. The law sets aside the statutory funds first; the rest comes back to you as interest on your shares and a refund on the interest you paid.
Fiscal year 2025
How ₱186,400 was shared
Approved by the general assembly and credited to 40 members.
Set aside first, by law
- Reserve fundKept for good: protects the coop and its depositors.
- ₱18,640
- Education and trainingSeminars for members and officers; half goes to the federation.
- ₱18,640
- Community developmentProjects in the barangays where members live.
- ₱5,592
Back to the members
- Interest on share capital, 5%
- ₱86,168.09
- Patronage refund, 6.41% of interest paid
- ₱44,311.91
Your share
How your own dividend is worked out
Two parts, each in proportion to how much you own and how much you used the coop.
Interest on share capital
Your average paid-up capital — the twelve month-end balances added and divided by twelve — times the rate the general assembly approves.
Patronage refund
The interest, penalties and fees you paid on your loans during the year, times the refund rate. Borrow and pay on time, and part of it comes back.
An example at 2025's rates
A member with ₱10,000 average capital who paid ₱3,000 in loan interest would receive ₱500 + ₱192.19 = ₱692.19.
Where it goes
Half is credited to any unpaid share subscription — it grows your capital and next year's dividend — and the rest to your savings account, ready to withdraw.