RAMON MAGSAYSAY TECHNOLOGICAL UNIVERSITY IBA CAMPUS
COLLEGE OF ARTS AND SCIENCES
A NARRATIVE REPORT In Partial Fulfillment of the On- the- Job Training in the Course BACHELOR OF SCIENCE IN PSYCHOLOGY
Submitted by: MAY ANN I. BLANCO
NAME: MAY ANN I. BLANCO AGE: 28 DATE OF BIRTH: MAY 28, 1985 ADDRESS: BANGANTALINGA IBA, ZAMBALES I finished my on the job training for 500 hours in three different settings. I am grateful that I finished and fully accomplished my training on the right time. I met different kinds of people with different behaviors. It proved me that individual differences really occur in same places and in same group of people. I learned how to interact to people with different personalities with different approaches.
I started my o-j-t in clinical setting for 200m hours. Secondly, I trained in educational setting for 150 hours and lastly in industrial setting for 150 hours also.
CLINICAL SETTING
Date started: June 26,2013 Date Ended: July 31,2013
PREDA FOUNDATION INC. PREDA Foundation Inc. was founded by an Irish Columban missionary priest, Father Shay Cullen from Ireland. He was assigned to a parish in Olongapo City which is situated in Subic Bay in 1969. This town is the home of US Navy 7th fleet and thousands of navy men lived in this huge base and many more would visit Olongapo City when the aircraft carriers and warships arrived. In 1974, with Filipino helpers, Fr. Shay Cullen established the PREDA Foundation to give shelter, protection and recovery to the victims of abuse and more importantly to change the unjust situation in the society of Olongapo wherein even children are recruited and used as prostitutes. The women and children were systematically sexually exploited whom are exposed in HIV- AIDS and victims of violence. Young boys, some as young as 10 to 12 years old were jailed in subhuman conditions and sexually abused by older prisoners. Fr. Shay began the work of PREDA by rescuing the children and youth from jails and streets providing a safe therapeutic home where they could recover from sexual, physical and emotional abuse suffered in jails and on streets. In PREDA home, there is freedom, respect, friendship, affirmation, education, family reconciliation and reintegration. The children were treated with understanding, trust, dignity and respect. In 1983, Fr. Shay Cullen uncovered an organized child prostitution ring that was trafficking women and children who are made prostitutes of US sailors with the PREDA co-founder, Mr. Alex Corpus Hermoso. They worked successfully to help change the law for women and children protection and even for children in conflict with the law. Many children were recovered and reintegrated with their families. Some had succeeded in past years, finished college and today are PREDA social workers who are helping the new child victims at the PREDA children’s home. The PREDA legal officers are filing criminal charges against the abusers but some cases are still in court due to weak prosecution and slow process of the court. May all people of good will, defenders of children, protectors of human rights, never turn a blind eye to the suffering and injustice done to the young people. May we all have the courage to take a stand and speak out to defend the helpless and most vulnerable. May we all work for justice and make this a better world for all especially for children of today. RESOUCE: http:/www.preda.org/en/about-preda-foundation/preda-history/
PEOPLE’S RECOVERY EMPOWERMENT DEVELOPMENT & ASSISTANCE FOUNDATION INC.
MISSION:
To work for just laws and their implementation that will empower the poor and protect their rights. To protect the weak and the defenseless especially children and women exploited in demeaning labor, especially prostitution. To come to the assistance of the sexually abused and develop Fair Trade programs that will help alleviate poverty and exploitation.
VISION: We, the members of PREDA Foundation, our friends and supporters, envision a just, free, peaceful and prosperous society that serves the common good, respects human rights, especially the rights of children. A society built on faith, virtue and spiritual values that overcome poverty by a fair distribution of wealth, opportunity and resources. It restores and preserves the environment and builds up self-reliant communities through the participation of the people that respects and restores the culture of indigenous people.
Programs offered: *Childhood for Children
It offers protection for Commercially and Sexually Exploited Children and Sexually Abused Children considering the Law RA 7610. RA 7610- An act providing for strong deterrence and special protection against child abuse, exploitation and discrimination providing penalties for its violation and for other purposes. It offers protection for children in conflict with the law should not be in jail. It is also known as the Juvenile Justice and Welfare Law of RA 9344. *Rescue a Child Today (Child rescue Project) The children in jails and bars should be rescued and protected. *Legal Assistance *Preventive Education and Public Speaking *AKBAY(Youth Development Program and Scholarship) *Special Human Rights Education *Research, Advocacy, Information and Networking *Internet Safety Campaign *Indigenous People’s Assistance and Community Training *Fair Trade
TASKS:
Administering test to the children Doing psychological evaluation reports and behavioral reports Reading of case folders of the children Clerical work/office works (encoding, marketing, photocopy) Observation and recording during the feedback session Observation and recording during the counseling session Observation and recording during the primal therapy Observation and recording during the bible reading, spiritual and values formation. Tutorial to elementary students in reading and writing
Assisting the children with their assignments School monitoring and observation of facilitators Fieldwork (Assisted the children for their medico- legal in PGH and home visit of the other children) Tree planting with children and some staff of PREDA in Brgy. Aningway-Sacatihan Subic, Zambales Joined the unity walk with PREDA staffs in Olongapo City-From Olonagapo Convention Center to Municipal Hall Attends seminar in R.A. 7610, R.A. 9344 and R.A. 9208. *We are not allowed to take pictures with the children for their protection. *For people concerned, the Foundation is willing to help by contacting ANGEL ANNIE. 0917-53-ANNIE (24453)
My experience with PREDA children:
I started my training in PREDA on June 26, 2013 and ended on July 31, 2013. At first, I felt nervous and shy, especially when I met the twenty six children in the center. The children were divided into two sections: 13 in CSEC (Commercially and Sexually Exploited Children), and 13 in SA (Sexually Abused). All of the children are enrolled in formal schooling, in Baretto Highschol and Baretto Elementary School. Some of the children are mentally retarded and they were enrolled in Special Education class (SPED). It is a very big challenge for me to interact with children considering their unpleasant experiences. But, I made my very best to establish rapport with them and get closer to them until my last day of training. June 26, 2013, Wednesday, my first day of training- I, and my co-trainees underwent an orientation in the center about code of conduct, programs and services offered with the center’s head and authority. The PREDA psychometrician, Miss Rhoda Estinopo gave us the different tasks we have to accomplish. June 27,2013, I was assigned to accompany the psychometrician with some of the children for medico-legal in PGH, Manila and home visit of other children in Bulacan. We left at 5:00 am and went back at 10:00 pm in the center. That was an opportunity to establish rapport to the children. That was the first and last time that I was assigned for fieldwork. The remaining days of my training was as inspiring and happy as I interact with the children. Their life stories made me realize that I was so blessed and very fortunate that I have my family. My heart ached as I heard them talked and shouted their bad feelings during the feedback
session, counseling session and primal therapy. They are the special children who need a special attention and support. During my stay there, I made sure that I gave them the care and attention I have to give and show them. Though, the children have different psychodynamics, I never failed to understand them and apply the different approaches of interaction with them. They are so lovely and sweet just like they have known me so much. They always gave a big hug whenever they arrived from school. Sometimes, they will just ignore you that make you think that you have done something wrong that offended their feelings. But, I still do my best to know what they have been through in school. If they are in good mood, they will say what they are feeling but if not especially when there is a manifestation of tantrums, no good information will get from them. Most of the time, they are saying their problems and concerns inside and outside the center but, some of the children are not consistent with what they are saying or known to be lying especially when concerns about school needs and money matters. At their age, especially all girls in the center it is unavoidable that they have encountered petty quarrels. But the facilitators and staffs of PREDA were too patience and knowledgeable on how to reconcile the children. It takes time to let the children behave especially the special/mentally challenged children. What is good about the children are, they are honest with their mistakes and willing to say sorry to each other. There was a time that I was assigned to have a counseling session with the children to know about their concerns, and that was the time they confess with their mistakes and listens to my advice as I made them realize that they all need love and attention so that they should love each other as they live in one institution that they are known to be a family. As the days gone by, my companionship with the children shortens. I had mixed emotions-happy because short period of time to go, I will finish my o-j-t but felt sad at the same time because I will miss the lovely children in the center. My experience with co-trainees and staffs:
The time came that I felt uneasy when there are new o-j-t’s arrived from Columban College. But, I was wrong with the feeling. As we are getting closer, it is easier for me to accomplish my duties in the center because we are helping each other to accomplish the task given to us. They are social workers interns, so the time for school monitoring on children assisting were divided for us. They were not required to administer test and do psychological evaluation reports but allowed to do behavioral and observation reports. It was too good to be with them because we shared knowledge about what we learned in school and in the center during our o-j-t. We eat lunch together and share stories about life and experiences. We shared about our feelings about the stories of the children in the center which made us realize and say that we are luckily brought up by our lovable parents. The staffs in PREDA were too patience in dealing with the children especially when they have tantrums. Some of the PREDA staffs are also once became a survivor of a child abused. They
are understanding and concern about the children. They know what kind of technique they would apply to the children. The staffs have different techniques of approaches as the children sometimes are not consistent with what they are saying. I also encountered the staffs had a misunderstanding about handling the children, tasking, monitoring and division of duties and shifts. But, all of this was immediately settled and solved. They are also pressured with their duties but do their very best to successfully do their job maybe because they are dedicated and love their job as they love the children. I also joined them and became a part of the foundation’s dedication and open a palm of a helping hand for the people’s recovery, empowerment, development and assistance.
I am proud that I became a DEFENDER OF CHILDREN’S RIGHT…
PREDA Staffs and Officers: Sir Francis-------------------------ExeCom Mam Fhedalyn-------------------Project Coordinator (Girls Center) Mam Sheila-----------------------Project Coordinator (Boys Center) Mam Millet-----------------------OIC, Project Coordinator Mam Rhoda Estinopo----------Psychotherapist (Center for Sexually Abused) Mam Eresa Venzon-------------Psychotherapist (CSEC) Mam Marlyn---------------------Paralegal Officer Social workers: Mam Terrence Mam May Mam Jessa Mam Aileen
EDUCATIONAL SETTING
DATE STARTED: AUGUST 6, 2013 DATE ENDED: SEPTEMBER 10, 2013
OLONGAPO CITY NATIONAL HIGH SCHOOL
THE SCHOOL PREMISE
Building A and B (SPA)
T.L.E.
MEDICAL and DENTAL CLINIC
SCIENCE BUILDING
ENGLISH BUILDING
H.E. ROOMS
MULTIPURPOSE HALL
FV BUILDING
QUADRANGLE
ADMINISTRATION BUILDING
PRINCIPAL’S OFFICE
The school has 11 curriculums:
BASIC EDUCATION CURRICULUM SPECIAL SCIENCE CURRICULUM INFORMATION AND COMMUNICATION TECHNOLOGY SPECIAL PROGRAM FOR ARTS SPECIAL EDUCATION PROGRAM OPEN HIGH SCHOOL PROGRAM SPECIAL PROGRAM FOR SPORTS SPECIAL PROGRAM FOR JOURNALISM ALIVE INDIGENOUS PEOPLE’S PROGRAM SPECIAL PROGRAM IN FOREIGN LANGUAGE
OPEN HIGH SCHOOL
SPECIAL PROGRAM FOR JOURNALISM
INFORMATION AND COMMUNICATION TECHNOLOGY
SPED BULLETIN BOARDS
SPECIAL PROGRAM FOR ARTSACCOMPLISHMENTS
INDIGENOUS PEOPLE’S PROGRAM
THE GUIDANCE CENTER
MISSION: To formulate and pursue an educational guidance program that shall be geared towards the realization of guidance services which involve assistance to the individual in making as a human being. The guidance shall harness its clientele in developing lively individuality, significant interest and a sense of social responsibility. It shall accelerate the necessary flexibilities to meet and solve problems as they arise and make correct interpretation of facts and adjustments.
VISION: To respond adequately to the demands of school and division standards
To achieve these, the OCNHS Guidance Center, shall: Adopt development plans and guidance services towards attaining academic and nonacademic excellence. Forge collaborative relationship with teacher and students in the implementation of policies, basis for setting disputes. Meet the needs of OCNHS family.
PHILOSOPHY: Formation and advancement of students as a whole can be attained by guidance services to have as its purpose helping the individual to discover his needs, assess his potentialities, gradually develop life goals, sense of responsibility that are individually satisfying and socially desirable. THE GUIDANCE STAFF
Me and Pauline, my co-practicumeer were the persons who designed this board under the supervision of Mrs. Jho Navarro. *Every year curriculum has a guidance staff headed by a Guidance coordinator in-charge.
Mr. Samuel Pascual-----------Grade 7 (GUIDANCE COUNSELOR I) “Sir Sam” Mr. Pascual taught me how to do a case study report. He let me interview the counselee to know the profile and the cases of the students involve. During my interview with the child, I did not show hesitation. I made the interview as a sister talk with the child as the child showed shyness on answering the questions. The interview was done for almost an hour and I acquired the information I have to get for the case study report. He also tackled the guidance services they render, the confidentiality of the cases and how to be friends with your counselee. He asked me a favor of keeping the confidentiality with the client’s case study I have done so I was not supposed to have a personal copy of the case study report. He applies the technique of being friendly to the counselees as his counselees were too young (Grade 7) in manner of reprimanding. He understands the transition period of the students, ages 12 ½ to 14 years old. He is 16 years in service as a guidance counselor in OCNHS.
Ms. Sherry S. Porcioncula--------Grade 8 (GUIDANCE COUNSELOR I) “Mam She” Ms. Porcioncula shared her experiences and knowledge on how to have a good heart. She always makes things easier and happier. She is always in positive mood, humble and happy. In times of counseling, she is serious in her responsibility as a guidance counselor. It is not boring to hear her thoughts and learning because she is knowledgeable about it. She is 5 years in service as a guidance counselor in OCNHS.
Mr. Edgar Magloyuan-------------3rd year (GUIDANCE COUNSELOR I) “Sir Ed” Mr. Magloyuan gave me words of wisdom. He taught me the techniques of guidance and counseling. He always talks about the things he knows. He shared his experiences as well as his learning in life. He is vocal with his knowledge, and he really knows the thoughts he shares. He is 19 years in service as a guidance counselor in OCNHS.
Mr. Ricardo Perez-----------------4th year (GUIDANCE COUNSELOR III) “Sir Ric” Mr. Perez taught me how to do a “School Based Management Monthly Report”. He is not usual of talking when not needed. He chooses a topic he is interested to talk about. I saw him being a loving father to his only child as he brought the child in the office. He has a powerful voice when he talks to someone and while during the counseling. He makes sure that the child’s statement is true and justifiable as he counsels the stubborn students of 4 th year.
Mrs. Josefina P. Navarro (OIC Guidance Coordinator III) “Mam Jho” Mrs. Navarro taught us many things. She showed me how to do a thesis of master’s degree and gave me hints on how to reach my goals. She does her job being of guidance coordinator. She is a kind mother to her lovely daughters. She shared her experiences of being a loving mother and a guidance coordinator at the same time. She is active, well-dedicated to her job and knowledgeable on her duties and responsibilities. She gave me pieces of advice to pursue my dreams and encouragements to have a stable job someday.
THE GUIDANCE SERVICES
A. B. C. D. E. F. G. H.
Information Counseling Career Guidance Seminar workshop Referral Testing/Evaluation Placement Follow-up
In school year 2011-2012, the guidance services offers orientation services, inventory services, testing services and interpretations, counseling services, remedial and enrichment services and vocational and career services.
THE GUIDANCE CENTER SERVICE PLEDGE
INFORMATION SELF-INVENTORY INVENTORY COUNSELING FOLLOW-UP TESTING TESTING ANALYSIS CAREER JOB PLACEMENT RESEARCH OTHERS
*COMMITTEE ON DECORUM AND INVESTIGATION *AGREEMENT FORM *REPORTS ON STUDENT’S COMMITTED MISCONDUCT *CAREER GUIDANCE *CERTIFICATIONS *CLEARANCE *LETTER TO PARENTS *PARENT/GUADIAN NOTARIZED AFFIDAVIT *GRIEVANCE SWERVICES *SCHOLARSHIOPS *ROOM VISITATION *REFERRAL OF DRUG CASES
LINKAGE/NETWORKING
*OFFICE OF THE CITY MAYOR *CSWD *LINGAP CENTER *GOVERNMENT ORGANIZATIONS *NON-GOVERNMENT ORGANIZATIONS *TESDA *OCARE STUDENTS BEHAVIORAL POLICIES 1. SCHOOL DISCIPLINE
The OCNHS shall maintain discipline inside the school campus as well as outside the school premises when students are engaged in activities authorized by the school. a. IMPOSITION OF DISCIPLINARY ACTION School officials and teachers shall have the right to impose appropriate disciplinary measure in case of min or offenses or infractions of good discipline. However, no cruel or physically harmful punishment shall be imposed against any student.
b. SUSPENSION/EXPULSION
c. Suspension for three days may be authorized by the principal without prior approval of Division of Superintendent.
d. Parents must be in formed by the teacher thru guidance office or members of the administration for which the disciplinary action is necessary. For persistent offender or one guilty of a serious offense, a suspension for not more than one year may be imposed subject to the approval of the Division of Superintendent.
e. Only DepEd Secretary can order suspension for a year or more or expulsion from school. In all cases of suspension, a written promise of future exemplary conduct signed by class adviser and countersigned by parent/guardian, noted by the guidance counselor and approved by the principal shall be required as a condition for readmission and must be required in the case of suspension for more than three days. f. Offenses punishable by suspension or expulsion depending o the seriousness of the offense:
Gross misconduct Theft, persistent cheating, forging of school records and assaulting of students. Assaulting a teacher or school authority Smoking inside the campus Vandalism and destroying of school properties
First offense-replacement of the destroyed material Second offense-considered undesirable and has to drop from the rolls of the school and not to be readmitted w/o prior approval of the Superintendent.
Gambling Drinking intoxicant and liquors Carrying and concealing deadly weapons Extortion or asking money from others Using, possessing and selling prohibited drugs Hazing in any manner, inside or outside the school premises Immorality or sexual harassment Instigating, leading or participating in concerted activities leading to stoppage of classes Truancy or as used means “absent without cause” Wearing of earrings among male students Tardiness, improper uniform, no school ID, haircut, loitering, littering and highlighted hair
g. The use of corporal punishment of teachers is strictly forbidden. 2. ATTENDANCES AND PUNCTUALITY 3. SCHOOL UNIFORM 4. CAMPUS SECURITY
5. STUDENT ATIVITIES 6. RIGHTS AND RESPONSIBILITIES OF STUDENTS 7. CITY ORDINANCES
THE GUIDANCE BULLETIN BOARD
The bulletin board is use to post the policies, rules and regulations of the institution. The guidance services has a great concern for the betterment of the students, that’s why the office ensures that the students must be aware and abide the rules implemented by the institution. In this way, the students can avoid to commit a simple mistake that may subject to a disciplinary action. FOR LEGAL ACTION
There are some serious cases that need a legal action. The cases that cannot be resolved in the guidance office must be referred to the office concern
Tasks and activities I had accomplished:
Filed students records Sorted of guidance cases per year curriculum Assisted the guidance counselor during the counseling session Discussed with the guidance counselor about the counseling techniques Assisted the client during the counseling session Did a monthly report of cases Attended the national crime prevention week symposium(September 3, 2013) Assisted the TESDA staffs in rendering Aptitude test Rendered the Individual Inventory Report with selected 1 st year students Encoded data and reports in the guidance office Interviewed 2 counselees in the guidance office Did and submitted a case study report
I started my on-the-job training in this institution on August 5, 2013 and ended on September 10, 2013. I had finished my 150 hours requirement of training in the guidance center. It is my privilege that I once became a part of the guidance family. It is very fulfilling that I had finished the tasks given to me. At first, I was too shy and nervous. All I did is just smile and nodded, but it was not hard for me to show my feelings because the guidance staffs were all approachable. They taught me lot of things that are meaningful and useful for my career growth and self-improvement. This setting opened my mind in situational cases understanding. The two kinds of counseling are applied in this guidance center: group counseling and individual counseling. It was easy for me to do the tasks given to me because there are guidance counselors assigned in every year curriculum. During our vacant time, they allowed me to use the WIFI connection of the office and even allowed me to have a break outside the school if I want. They never gave me overloaded duties instead, offered and gave me snacks. I ate with them inside the office while talking about life experiences. They always encouraged me to pursue what I wanted to be. It is easy for me to accomplish the jobs they gave me because they always show positivity and it is comfortable to ask questions to them because they never rejected me. I have no regrets of spending my 150 hours of practicum in this office. I never felt bored working in the office even in overtime hours.
INDUSTRIAL SETTING DATE STARTED: SEPTEMBER 17, 2013 DATE ENDED: OCTOBER 18, 2013
COOPERATIVE BANK OF ZAMBALES
MISSION: To provide relevant financial products and services that shall uplift the socioeconomic condition of stakeholders and the community we serve.
VISION: A model cooperative Bank with economically self-sufficient, socially responsible and empowered members capable of harnessing resources for equitable development.
A BRIEF HISTORY OF COOPERATIVE BANK OF ZAMBALES
Cooperative bank of Zambales is a unique bank registered with the Cooperative Development Authority (CDA) as a cooperative, and with the Bangko Sentral ng Pilipinas (BSP), as a bank under the rural banking system. Based in Iba, Zambales, it started its commercial operation on January 30, 1995 soon after the BSP issued a certificate of authority to the bank to operate as a cooperative bank pursuant to Republic Act no. 6938 and Monetary Board resolution No. 776 issued on August 17, 1994. As a cooperative bank, the bank is under the supervision of the BSP in collaboration with the CDA (CDA Reg. NO. QC-043-FCB).
The purpose of CBZ is to provide banking and credit services as well as to individuals and/or the public in general. CBZ started its operation with only 64 cooperative-members shareholders. Together they contributed to the bank’s initial paid-up capital of P1.25M in 1995. At the end of 2012, the number of cooperative investors/shareholders has grown to 137 cooperatives bringing up the bank’s paid-up capital to P7.28M. Its total resources have correspondingly increased to P61.53M.
CBZ OFFICERS AND STAFFS:
Mrs. Maribel B. Sabio-------------------------------Manager Mrs. Irma Carreon---------------------------------- Loans Office Manager Mrs. Vennice Abangan---------------------------- Accountant Miss Leila D. Rivera--------------------------------- Cashier Mrs. Joanne D. Landicho-------------------------- Senior Teller Miss Loirene Hilario-------------------------------- Accounting Clerk Mr. Melanio Munoz-------------------------------- Teller Mr. Argel Minor------------------------------------- Auditor Mr.Ronnie Peconada------------------------------- Loans Officer Mr.Neil Cayabyab----------------------------------- Administrative Personnel Mr. Glenn Bueno------------------------------------ Administrative Officer/Secretary/IT Mr. Crispin Landicho--------------------------------Senior Collector Mr. Robert Abad------------------------------------ Senior Collector Mr. Miguel Datugan-------------------------------- Security Officer Mr. Ryan Macaspac---------------------------------Bank Assistant/Messenger
TASKS:
Assisting of clients in opening a bank account Assisting of clients in filing loan Assisting the loans department in filing the client’s records of loan application Filing of receipts in proof sheet Sorting and filing of bank reconciliations Encoding and filing of clients records Book keeping/ filing and recording of cashier’s check Encoding an statement of account Counting and sorting of money
PRODUCTS/SERVICES
TIME DEPOSIT RATES PER ANNUM AMOUNT 20,000-50,000 50,000.01-100,000 100,00.01-250,000 250,000.01-500,000 500,000.01-1 Million Over 1 Million
31-90 DAYS 3.0% 3.25% 3.50% 3.75% 4.0% 4.25%
91-180 DAYS 3.25% 3.50% 3.75% 4.0% 4.25% 4.5%
181-365 DAYS 3.50% 3.75% 4.0% 4.25% 4.5% 4.75%
SPECIAL SAVINGS DEPOSIT RATE PER ANNUM AMOUNT 20,000-50,000 50,000.01-100,000 100,00.01-250,000 250,000.01-500,000 500,000.01-1 Million Over 1 Million
31-90 DAYS 2.0% 2.25% 2.5% 2.75% 3.0% 3.25%
91-180 DAYS 2.25% 2.5% 2.75% 3.0% 3.25% 3.5%
Note: Time deposit and Special savings Deposit may vary from time to time. Savings Deposit rate- 1.0% per annum Insured with PDIC up to P500,000.00
181-365 DAYS 2.5% 2.75% 3.0% 3.25% 3.5% 3.75%
LOAN PRODUCTS COMMERCIAL/INDUSTRIAL LOAN This credit facility is intended for small and medium scale entrepreneurs/individuals, member in good standing of primary cooperatives and presently engaged into manufacturing services and training businesses. Loans shall also be provided to finance trading activities, expansion of ongoing businesses and acquisition of fixed assets. The loan must be secured with Real Estate or Chattel mortgage. AGRICULTURAL LOAN A credit facility for agricultural and other agri-business projects such as: crop production, processing, fishing activities, marketing, farm mechanization and other support facilities. MULTI-PURPOSE LOAN This type of financing shall carter to individual borrowers or members of any registered primary cooperatives to finance the trading activities, additional capital for on0going business ventures, for providential purposes and other related projects. PENSION LOAN This is a credit facility intended for PVAO pensioners whose remittances are regularly received thru the automated teller machine. Payments of amortization shall be automatically deducted from the ATM or thru over the counter transactions with pre-signed withdrawal slips. SALARY LOAN This is a credit facility against salary offered to government officials, permanent/regular employees of any government agencies or private organizations. This loan is unsecured, but the private/government agency will be required to forge a Memorandum of Agreement (MOA) with the CBZ wherein the terms and conditions relative to the payment/collection of loan amortization shall be stipulated, i.e., automatically deducted from the honorarium, salaries and other benefits by the concerned agency/organization. BACK TO BACK LOAN This is a credit facility which provides hold-out of savings or time deposits. Withdrawal of said deposits will not be permitted until full payment of the loan. Note: Interest rates may vary depending on the type of loan.
COOPERATIVE BANK OF ZAMBALES Is a member of:
PHILIPPINE DEPOSIT INSURANCE CORPORATION COOPERATIVE BANKS FEDERATION OF THE PHILIPPINES (BANGKOOP) RURAL BANKERS ASSOCIATION OF THE PHILIPPINES (RBAP) ZAMBALES ASSOCIATION OF RURAL BANKS INC. (ZARBI) METRO SOUTH COOPERATIVE BANK
MEMBERSHIP BY PRIMARY COOPERATIVES & FEDERATION REQUIREMENTS
Board Resolution applying for membership Photo copy of By-Laws Photo copy of CDA Registration Shares subscription at least 50 shares (1,000.00/share) Minimum paid-up is 25% of the minimum subscribed shares of stocks and the balance is payable within three years with plan of payment of P1,500.00 per annum. Membership fee of P1,000.00
BENEFITS OF STOCKHOLDERS
Dividend on investment Elected as officers of the bank Low interest on loans Special benefits for member coops.
My experience in the bank: As I started at my first day, I didn’t feel nervous because some of the employees there are my family friends and relatives. I knew them better before my o-j-t that’s why I was comfortable to mingle with them. Before 9am, all employees and o-j-t are having a short prayer even if they have different religions. There was a rotation of schedule in leading the prayer and even I was assigned for the prayer once. I felt nervous but as the prayer goes on, it felt like God guided me to say the appropriate words. It was easy for me to do the duties they assigned to me because they are good persons. They never made faces and untold negative comments on my job. If I had mistakes on my duties, they told it on the right and professional manner. During the time of work, they are serious with their own duties and responsibilities knowing that their job is risky which involves money. But, during the break time, I can see them joking with each other and even involved me with their funny jokes. It was so happy that after the stress of doing the paper works in money matters they also tried to have a break. If they are eating, they also gave me foods for snack. What is good about them is, they always bought foods for snacks and I was so blessed that I was also counted with them for food accommodation. I was so thankful that they gave me opportunity to show them my ability even if I am not an accounting or business administration major. They believed me and didn’t offend me. I was assigned on interacting with the clients in opening an account in the bank. The manager and administrative officer gave me the opportunity to interact with the client by assisting them and even interviewing them about their business, job and sources of income. But not all the time there are new clients so, I assisted on other areas of the setting. This setting was not stressful but sensitive. It didn’t involve narrative paper works but computations, auditing, tallying and inventory of money records. I am happy that I finished my job well done in Cooperative Bank of Zambales which is known to be a “BANGKO NG MASA”.
