Build your future. Live for better life.

Here at KooPinoy, we offer a wide range of custom-made financial support and assistance to fulfill your financial requirements. Based in the City of Batangas, under the umbrella of Soro-Soro Ibaba Development Cooperative (SIDC) our main aspiration is to provide easy, hassle-free, customizeable loan service, where our members' needs are put first. We accept time deposit, regular savings deposits, and savings for young ones. In return, comparably high interest rates were offered to account holders, both regular and associate members. It also extends loans to members with a competitive interest rate. Not a fan of owing a money? Not a problem - Life is easier with us. Build your future. Live for better life.

Features of Koopinoy

TAX-EXEMPTED

TAX-EXEMPTED

All financial transactions are absolutely tax-free.

MEMBERSHIP-BASED

MEMBERSHIP-BASED

Your not just a customer but a co-owner.

INTERBRANCH TRANSACTIONS

INTERBRANCH TRANSACTIONS

can transact at any KooPinoy branches at no fees.

NO PRE-TERMINATION FEE

NO PRE-TERMINATION FEE

No fees collected to a borrower by paying out the balance before the loan matures.

NO HIDDEN CHARGES

NO HIDDEN CHARGES

All minimal fees are explained and disclosed before the loan application.

CHRISTMAS GIFT

CHRISTMAS GIFT

Souvenir items for depositors and borrowers every December

DIMINISHING BALANCE

DIMINISHING BALANCE

Interest is computed based on outstanding balance.

PATRONAGE REFUND

PATRONAGE REFUND

Portion of interest paid will be given to borrowers and fees paid on insurance products.

TRIP INCENTIVES

TRIP INCENTIVES

Annual incentive for top borrower with good account management and top 2 depositors.

HIGH INTEREST RATE ON DEPOSITS

HIGH INTEREST RATE ON DEPOSITS

No withholding tax dedcuted for the interest earned from your deposits.

ALLIED FINANCIALS SERVICES

ALLIED FINANCIALS SERVICES

You can load, pay your bills and transact both domestic and international remittance while waiting.

EASY AND CONVENIENT

EASY AND CONVENIENT

We bring affordable financial services and technical assistance in every community.

Koopinoy Loan Calculator

Use the loan repayment calculator below to get an estimate of your monthly installments, total interest cost and total loan cost. To calculate, simply input the loan amount, loan term and the annual interest of the bank / lender you plan to get a loan from.

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MONTHLY PAYMENT

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TOTAL INTEREST PAYMENT

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TOTAL AMOUNT REPAYABLE

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**Patronage Refund is not included in KooPinoy Calculator computation.

Sample Computation of Patronage Refund.
**Assumptions: The average patronage refund rate is 20% for 5 years.

Cash Loan Applied: 100,000, Loan Interest Payment: 8,309.97
(Total Interest Payment X 20% = Patronage Refund)
Php 8,309.97 x 20% = 1,661.99
Patronage Refund = 1,661.99

Unlock Koopinoy benefits with membership

HIGH PATRONAGE REFUND

HIGH YIELD RETURN OF INTEREST

LOYALTY REWARD PROGRAM

MORTUARY BENEFIT

KOOPINOY

SCHOLARSHIP GRANTS

FINANCIAL LITERACY SEMINAR

YEARLY INCENTIVE

BE AN ACTIVE MEMBER NOW

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