PERA Multipurpose Cooperative (PERA MPC) is a financial cooperative headquartered in San Francisco, Agusan del Sur. It was formed by a group of bank employees who saw the need for a reliable financial support system rooted in shared trust and accountability. It has been serving Filipino members for over two decades and has expanded its operations across major regions including CARAGA, Northern Mindanao, Davao, Central Visayas, Western Visayas, and Luzon. From its humble beginnings in 1998 with just 29 founding members from the Philippine National Bank (PNB), PERA MPC now boasts more than 16,000 active members and a total asset of ₱2.3 billion. In 2019 alone, it reported a net surplus of ₱91.2 million.
PERA MPC is duly registered with the Cooperative Development Authority (CDA) on January 21, 1998, giving it authority to provide member-focused financial services. Though it has since amended its registration three times to accommodate its growth and evolving structure—from its original name, Philnabank Employee’s Resources of Agusan Multipurpose Cooperative to PERA MPC—it has continued to promote thrift, mutual help, and self-reliance among members through access to sustainable economic opportunities. To date, it has grown into a nationwide cooperative with 63 branches and satellite offices—all designed as a platform to build long-term economic resilience among its members and their communities.
Benefits of Becoming a Member
Joining PERA MPC allows one to gain access to affordable financial services specifically tailored to the needs of individuals, families, and small entrepreneurs. By becoming a member, you get the opportunity to build your savings, avail of numerous flexible loan options, and benefit from competitive interest rates. More than just financial access, membership also connects individuals to a cooperative that supports community initiatives and long-term economic growth. Plus, you get to enjoy the following perks:
- Access to loan services
- High interest rates on time deposits
- Loan insurance coverage
Products and Services Offered by PERA MPC
Other than the perks of membership, the products and services offered by the cooperative are usually tailored to its members needs. In PERA MPC’s case, these programs include:
Loan Products
- SSS/GSIS Pension Loan: For SSS and GSIS pensioners. Offered to associate members with terms of up to 36 months and competitive interest rates.
- Emergency Loan: For regular or associate members. The maximum term is 12 months with competitive interest rates.
- RCL Loan: A flexible capital loan available for regular or associate members. Up to 24-month term.
- Regular Loan: For regular members with a term of up to 48 months and competitive rates.
- Capitalization Loan: Ideal for business owners, OFW recipients, and employees. Offers flexible terms and rates.
- Hold-out Loan: Offered to time depositors (associate members). Members can borrow up to 80% of their deposit.
Loan Application Requirements
To apply for a loan, members need to provide:
- SSS/GSIS ID
- ATM Card
- Proof of Billing
- Any valid government-issued ID
Note: You must be a member to access PERA MPC’s loan products.
Time Deposit
- Minimum deposit: ₱10,000
- Term: 90 to 365 days
- Interest: Up to 8% annually
Fuel Services: Gusty Shone Gasoline Station
Located in various points across Mindanao, Gusty Shone is PERA MPC’s gasoline brand offering quality fuel and partnered with Seventeen Best Bai convenience stores. Visit or contact these branches:
- San Francisco, Agusan del Sur: (0915) 042 3873
- Trento, Agusan del Sur: (0966) 948 2033
- New Bataan, Davao de Oro: (0915) 042 3879
- Purchase Orders: (0915) 2542 823
Upcoming branches:
- Brgy. San Jose, Malaybalay City, Bukidnon
- P-6, Burgos St., Brgy. Canocotan, Tagum City, Davao del Norte
Café: KaPERA Brew
Located in Trento, Agusan del Sur, KaPERA Brew offers a cozy spot for coffee lovers with the following highlights:
- Signature Coffee: Specialty blends using fresh, locally roasted beans
- Well-trained Baristas: Expertly skilled in brewing and presentation
- Health Benefits: Rich in antioxidants, enhances focus and mood
Community Assistance Programs
PERA MPC is also deeply rooted in its commitment to the 7th Cooperative Principle: Concern for Community. Its notable contributions include:
- Typhoon Ulysses Assistance: Donated ₱100,000 to affected families in Regions 2 and 5.
- IP Community Support in Agusan del Sur: Partnered with the Banowaon-Manobo-Talaandig Tribe (BANAWA) and provided ₱50,000 per family for livelihood programs.
- Support for Kiantig-Manobo-Pulangiyon Tribe in Bukidnon: Contributed ₱100,000 for cooperative capital build-up and humanitarian aid.
These programs reflect PERA MPC’s genuine concern for its community, especially Indigenous Peoples and disaster-affected families.
Who Can Join
PERA MPC is open for membership to the following:
- Employees (public and private sector)
- Small business owners and entrepreneurs
- OFW families and remittance recipients
- SSS and GSIS pensioners
- Farmers, traders, and market vendors
- Indigenous Peoples (IPs) and local community members
- Individuals seeking access to financial services in cooperative settings
Eligibility
Aspiring members must at least meet the following qualifications:
- Must be at least 18 years old
- Must be a resident of the Philippines
- Should have a source of income (e.g., employment, business, pension, remittances)
- Must be willing to attend the Pre-Membership Education Seminar (PMES)
- Should belong to the target sectors served by the cooperative (e.g., employees, small business owners, pensioners, OFW families, IP communities)
- Must be capable of paying the required share capital and membership fee
- Should have a valid government-issued ID and proof of residency
- Must express intent to be either a regular or associate member
- Should have a clean financial record (no pending major loan defaults with other institutions)
Requirements
Before applying, members are expected to prepare the following requirements:
- Approved Application for Membership form
- Certificate of Completion of the Pre-Membership Education Seminar (PMES)
- Proof of payment of required minimum share capital and membership fee
- Valid government-issued ID
- Proof of billing or any document showing current address
- For pensioners: SSS/GSIS ID and ATM card
- Any additional documents requested by the cooperative based on applicant category (e.g., employment or business documents)
How to Join PERA MPC
To become a member of PERA Multipurpose Cooperative (PERA MPC), you must follow these steps:
Step 1. Submit an Approved Application for Membership.
Step 2. Complete the Pre-Membership Education Seminar (PMES).
Step 3. Subscribe and pay the minimum share capital and membership fee.
Step 4. Choose between becoming a regular member or staying as an associate member.
Share Capital Requirements and Other Fees
Some of the things that aspiring PERA MPC members need to be ready to pay include:
- Minimum share capital subscription (amount determined by the cooperative at the time of application)
- Membership fee (one-time payment upon application)
- Initial paid-up share capital (a portion of the subscribed share capital required upfront)
- Optional: Additional capital build-up contributions, depending on membership type (regular or associate)
Note: Exact amounts may vary; applicants are advised to inquire directly with PERA MPC for the current rates.
Video: Be Part of PERA MPC
PERA Multipurpose Cooperative (PERA MPC) stands out as a reliable and accessible financial cooperative in the Philippines, particularly for those seeking flexible loan products, profitable time deposit options, and meaningful community support. Whether you’re a retiree, employee, small business owner, or OFW family member, PERA MPC offers the right blend of services to meet your needs. To learn more about how to join this cooperative, watch this video:
Where to Find PERA MPC
Want to join? Contact them today or visit their office at:
- Main Office: Purok 3, Barangay 5, San Francisco, Agusan del Sur, Philippines, 8501
- Training Center: Handsome Boulevard, Barangay 2, San Francisco, Agusan del Sur, Philippines, 8501
- Email: info@perampc.com.ph
- Phone: (085) 839-5825
- Official website: https://perampc.com.ph/
- Facebook: https://www.facebook.com/perampc.official/