Tam-an Banaue Multipurpose Cooperative (Tam-an BMPC) is a leading multi-billion-peso cooperative based in Region 2, Philippines. Established in 1991 with just 25 members and ₱25,000 in assets, Tam-an BMPC has grown to over 200,000 members and 62 branches across Luzon as of 2023. Its story began in 1989 when founder Jose D. Tomas, Sr., then a bell boy and waiter, formed the Tam-an Hog Raisers’ Association in Banaue, Ifugao to address livestock issues. He used the tips he earned, and opened the first branch office of the Tam-am BMPC. He formed the Tam-an Hog Raisers’ Association in Banaue, Ifugao to address livestock issues. From humble beginnings, the cooperative evolved through volunteerism, financial innovation, and resilience during tough economic times.
With businesses including a hotel and resort, gasoline stations, technical school, eco-tourism farm, and construction supply ventures, Tam-an BMPC is more than just a cooperative—it’s a community builder.
Why Join Tam-an BMPC?
As a community builder, Tam-an BMPC is well-appreciated by its members for the following reasons:
- Competitive loan interest rates
- High deposit interest rates and dividend returns
- Lifetime healthcare benefits
- Fast and accessible loan processing
- Discounts from allied businesses
- Scholarship opportunities and technical training
- Emergency services, disaster response, and ambulance support
- Door-to-door financial services
- Opportunities for entrepreneurship and business expansion
Products and Services
The cooperative also offers various products and services, on top of the dividends and other generic cooperative membership benefits.
These products and services include:
1. Loan Products: It provides a wide range of loan products suited to various needs:
- Regular Loan: Up to ₱1 million
- Business Loan: Up to ₱50 million
- Market Vendors Loan: Up to ₱2 million
- Vehicle Loan: Up to ₱2 million
- Techno Loan: Up to ₱300,000
- Housing Loan: Up to ₱5 million
- Rice Loan: Up to ₱50,000
- Agricultural Loan: Up to ₱2 million
- Bayanihan Loan: Up to ₱5 million
- P3 Loan (Pondo sa Pagbabago at Pag-asenso): Up to ₱300,000
- Emergency Loan: Up to ₱50,000 or 80% of Share Capital
- Walang Iwanan Negosyo Loan: Up to ₱50 million
- Pangmatatag na Negosyo Loan: Up to ₱50 million
2. Savings and Deposit Products: Savings is a core focus of Tam-an BMPC. Its savings and deposit products include:
- Regular Savings Deposit: 2% interest per annum
- Paid-up Share Capital: Eligible for dividends
- Pangarap Savings Deposit: 4% interest per annum
- Time Deposit: 5% interest per annum
3. Member Benefits: It also offers the following welfare benefits to its members:
- Hospitalization Benefit
- Lifetime coverage for Regular and Associate Members
- Benefit amount depends on Share Capital or Deposit
- Damayan Benefit
- Financial aid in case of death, up to ₱150,000
- Accident Hospitalization Benefit
- Up to ₱1,000/day (depending on Share Capital)
- Accident Death Benefit
- Up to ₱200,000
4. Allied Services and Business Ventures: Through the years, it has diversified far beyond financial services and now also manages and operates:
- Tam-an Mt. Resort and Hotel (formerly Banaue Resort): With café, restaurant, and Olympic-sized pool
- 8 Gasoline Stations
- Tam-an Agritech Tourism and Training Center: TESDA-accredited vocational and technical school
- Eco-Tourism Farm
- 5 Agricultural Supply Outlets
- Construction Supply Business
- Commercial Stalls and Buildings
- Event Spaces and Hotels
5. Social Programs and Community Initiatives: On the social front, Tam-an BMPC also offers programs designed to uplift communities:
- Scholarships: For tech-voc students
- Blood Samaritan Program: Blood donation and emergency access
- Medical Check-ups and Emergency Services: Includes an Emergency Response Unit (ERU) in partnership with the Philippine Red Cross
- Door-to-Door Collection: Promotes savings by collecting deposits personally from members
- Community Support Program: Awarded brand new air conditioners, computers, and monoblock chairs to barangays.
- Tam-an School Support Program: Provided new school equipment to public schools.
- Senior Citizen Appreciation Month: Gave 5kg of Tam-an Iconic Rice to senior citizen members.
- Ka Tam-an Pammadayaw Awards: Honored ICCs/IPs during Cultural Communities Week for their role in heritage and peace-building.
- Ka Tam-an Financial Literacy & Smart Entrepreneurship Seminar: Educated members on budgeting, saving, and investing. Held in Santiago City with 59 participants.
- Free Field Trip and Study Tour: Open to members with ₱25,000+ Share Capital. Quarterly trips with free meals, guided branch tours, and local exploration.
- Tam-an English Corner: English learning session for 7–9 year-olds in Villaverde, plus financial literacy for parents and free rice, school bags, and treats.
- Tam-an Church Support Program: Churches with consolidated member support get equipment or facility upgrades based on member count and capital.
- Tam-an Community Support Program (Barangay Level): Barangays with consolidated members are awarded appliances, emergency kits, and equipment.
- Tam-an Share Capital Build-Up Program: Encourages membes to gradually increase share capital in tiers from ₱5,000 up to ₱50,000, with corresponding benefits and incentives.
Who Can Join?
Membership is open to the following:
- Individuals aged 18 to 65 years old
- Open to all—regardless of background, location, or profession
How to Become a Member
To become a member-owner of Tam-an BMPC, you must:
Eligibility
- Be 18–65 years old
- Be willing to attend the PMES
- Commit to building their share capital
Requirements
- Initial Regular Savings: ₱100
- Initial Share Capital: ₱100
- Membership Fee: ₱200
- Damayan Fee: ₱200
- Blood Samaritan Fee: ₱100
Total Initial Payment: ₱700
Minimum Share Capital for Benefits: ₱5,000
- Members are encouraged to build up to ₱50,000 for full access to benefits.
Step-by-Step Membership Procedure
To apply, these are the steps you need to take:
Step 1. Attend a Pre-Membership Education Seminar (PMES)
- Visit your nearest Tam-an BMPC branch.
- Register for the required orientation to understand the cooperative’s values, benefits, and responsibilities as a member.
Step 2. Prepare Membership Requirements
- Valid ID (preferably government-issued)
- 1×1 ID picture
- Fill out and submit the Membership Application Form
Step 3. Pay the Initial Membership Fee
- Minimum required payment: ₱700 only
Step 4. Build Up Your Share Capital
- Minimum share capital to qualify for benefits: ₱5,000
- Members are encouraged to gradually increase their share capital up to ₱50,000 to enjoy maximum benefits.
Step 5. Get Your Membership ID and Passbook
- Once your application is approved and your payment is processed, you’ll receive your official member ID and passbook.
Step 6. Start Availing Products & Services
- As a regular member, you can now enjoy:
- Loans
- Savings products
- Damayan and health benefits
- Business services
- Community programs and more
Video: How to Become Tam-am BMPC Member-Owner
Despite being relatively new compared to the others of its size, Tam-an BMPC has managed to grow into one of the top cooperatives in the country in only over a decade—a testament to its appeal to attract new members and generate revenues. To learn more about it and how it came to be as successful as it is now, watch this video below:
If you are interested in becoming a member, you may check this video for a visual walkthrough on the membership application process at Tam-an BMPC:
Contact Information
Need your questions answered or have other concerns? Visit your nearest Tam-an BMPC branch to apply in person or contact:
- Head Office: National Highway, Poblacion South, Solano, Nueva Vizcaya
- Email: tam-an@yahoo.com, admin@tam-ancoop.com
- Facebook Page: https://www.facebook.com/tamanbanauemultipurposecoop
- Contact Numbers: (078) 321 6021 | 09057957122 | 0977-081-0288