Perpetual Help Community Cooperative

What Perpetual Help Community Cooperative does

Perpetual Help Community Cooperative (PHCCI) is a Philippines-incorporated financial services cooperative headquartered in Dumaguete City, Negros Oriental, operating a member-owned savings and lending business across the Visayas region. Founded on April 14, 1971 by 33 pioneer members with PHP586 in starting share capital and registered under Republic Act No. 2023, the cooperative is regulated by the Cooperative Development Authority under the Philippine Cooperative Code of 2008 (RA 9520). As of December 31, 2019, PHCCI reported PHP 4.84 billion in total resources serving 98,695 members, ranking among the top 20 outstanding cooperatives in the country per the CDA.

PHCCI's product surface comprises seven savings products (ATM Account, Regular Savings, Aflatoun Savings, Flexi Savings, Share Capital, Junior Savings, Special Savings) and seventeen loan products spanning appliance, calamity, emergency, motorcycle, MCH/multicab, personal, auto (up to PHP3M), capacity, grocery (zero-interest), regular, family medical insurance, business enhancement, educational, instant, salary, and financing loans. Loan interest income is the primary revenue stream, with auto loans priced at 8.25% p.a. (straight-line) or 15.6% p.a. (diminishing), appliance loans at 1% per month, and deposit/savings accounts earning tax-free monthly-compounded interest — a structural differentiator versus commercial banks.

The cooperative operates a 21-branch physical network across Negros Oriental, Cebu, Bohol, and Siquijor, and has built a digital stack including the Go PHCCI mobile app (iOS/Android), the proprietary COB-X accounting system launched in 2021, an All-inclusive Bancnet-integrated ATM network, a QR code contact-tracing system, an online Pre-Membership Education Seminar (PMES) onboarding portal, and a chatbot-assisted loan application site. Payment and disbursement rails extend through Metrobank, Robinsons Bank, BPI, BDO, GCash, EC Pay (7-Eleven CLIQQ), and Palawan Pawnshop. Go-to-market is community-led via PMES seminars and word-of-mouth referral, supplemented by mall-based satellite offices and recurring community events such as the Dalagan Kaabag fun run.

Name

Perpetual Help Community Cooperative

Legal name

Perpetual Help Community Cooperative

Website

https://phcci.coop

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

51–100 employees

Short description

Perpetual Help Community Cooperative is a Philippines-based member-owned financial cooperative founded in 1971, serving ~98,695 members across 21 Visayas branches with savings accounts, 17 loan products, ATM and mobile banking services, and integrated payment rails.

Ownership category

akta.pro rank

Headquarters

HQ city

Dumaguete City

HQ country

Philippines

HQ region

Asia

Offices20 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest Income: PHCCI generates primary revenue from interest charged on various loan products including auto loans (8.25% per annum straight line or 15.6% diminishing), appliance loans (1% per month), personal loans, business loans, and other credit facilities. Interest rates vary by loan type and member rating.
2. Savings Deposit Interest: Members deposit savings which earn tax-free interest computed and posted monthly based on average daily balance. Interest rates vary based on account type and balance tiers.
3. ATM Transaction Fees: Fees charged for ATM transactions including balance inquiry (P1.00-P2.25 depending on ATM type), withdrawal (P2.00-P15.00), and POS transactions. These provide recurring transaction-based revenue.
4. Share Capital Returns: Members purchase share capital (P300 per share) which may earn return on investment in the form of interest declared by the Board of Directors depending on the net surplus of the previous year.
5. Loan Processing and Other Fees: Various fees including loan insurance coverage, ATM card costs (P150), and other service charges associated with membership and loan processing.

Pricing tiers

Go-to-market motion3 records

Distribution channels10 records

Marketing channels9 records

Core offering

Perpetual Help Community Cooperative (PHCCI) is a member-owned financial services cooperative that provides savings deposits and loan products to individual members. It offers seven types of savings accounts and over fifteen distinct loan products including appliance, auto, motorcycle, personal, salary, business, educational, emergency, and calamity loans, alongside ATM services, a mobile banking app, and digital payment channels. Members must purchase share capital (PHP 300 per share) to join, which also serves as the basis for loan eligibility.

Product overview

Perpetual Help Community Cooperative (PHCCI) is a financial services cooperative offering a comprehensive suite of savings and loan products. The cooperative provides seven savings products including ATM Account, Regular Savings, Aflatoun Savings (child education), Flexi Savings, Share Capital, Junior Savings, and Special Savings accounts. For lending, PHCCI offers seventeen distinct loan products spanning Appliance Loan, Calamity Loan, Emergency Loan, Motorcycle Loan, MCH/Multicab Loan, Personal Loan, Auto Loan, Capacity Loan, Grocery Loan, Regular Loan, Family Medical Insurance Loan, Business Enhancement Loan, Educational Loan, Instant Loan, Salary Loan, and Financing Loan. The cooperative also provides digital services including the Go PHCCI Mobile App, PinoyCoop ATM Card, All-inclusive ATM services, COB-X internal accounting system, PHCCI Chatbot, QR Code System for contact tracing, and Online PMES (Pre-Membership Education Seminar) platform. Payments are facilitated through integration with Bancnet ATMs, GCash, ECPay, Palawan Pawnshop, Robinsons Bank, Metrobank, BPI, and BDO.

Differentiator

Problem solved

Functional benefit

Products and services

• Regular Savings Savings deposit account for PHCCI members requiring minimum share capital of PHP 1,800.00. Withdrawable anytime during office hours. Earns annual interest computed and posted monthly based on average daily balance, with tax-free compounded monthly interest.
• ATM Account Temporary deposit account withdrawable through any Bancnet ATM machine nationwide. Earns annual interest on balances above PHP 2,500.01 with monthly computed and posted interest. Card cost PHP 150.00 with minimum maintaining balance of PHP 210.00.
• Aflatoun Savings Child-focused social and financial education savings program adopted through NATCCO for public elementary schools. Initial deposit of only PHP 20.00.
• Flexi Savings Account Savings deposit offering higher interest rates than Regular Savings for deposits over PHP 500,000.00 average daily balance. Minimum 30-day term required; earns regular rates if withdrawn before term ends.
• Junior Savings Savings account for children of members aged 6-17 years. Minimum maintaining balance of PHP 500.00 plus PHP 50.00 passbook fee. Earns annual interest at the 2,500.01 balance threshold.
• Special Savings Temporary savings deposit withdrawable anytime during office hours, intended for member-business owners wanting separate personal and business savings accounts. Minimum maintaining balance of PHP 500.00.
• Share Capital Member's capital contribution to the cooperative that may earn return on investment in the form of interest declared by the Board of Directors depending on the net surplus of the previous year. Each share equals PHP 300.00 and serves as basis for maximum allowable loan principal.
• Personal Loan Loan for home-based employees, regular employees, and self-employed for additional funds, whether for personal or business use. Maximum loanable amount PHP 1,000,000. Applicant must be at least 21 years old on date of application.
• Auto Loan Loan for purchase of brand new or second-hand vehicle. Maximum loan amount PHP 3 million. Interest rate 8.25% per annum (Straight Line) or 15.6% per annum (Diminishing). Applicant must have capacity to pay based on CIBI and not be more than 69 years old upon maturity.
• Appliance Loan Loan for acquisition of brand new household appliances including personal computer and laptop. Maximum loanable amount PHP 50,000.00, maximum term 2 years, interest rate 1% per month.
• Motorcycle Loan Loan window for acquisition of brand new motorcycle. Maximum loanable amount PHP 100,000.00, maximum term 3 years.
• Salary Loan Loan granted only to active regular employees. Maximum loanable amount varies based on available net take home pay less mandatory deductions. Maximum term varies by employer.
• Business Enhancement Loan Loan for entrepreneurs needing additional working capital. Maximum loanable amount PHP 200,000.00. Required share capital 15% of applied loan amount. Business must be registered and operating profitably for at least 2 years.
• Emergency Loan Loan where amount equals or is less than share capital upon application. No collateral required.
• Calamity Loan Loan window for members residing in areas declared under state of calamity or affected by natural calamities. Requires member rating of A or A-, maximum loan amount PHP 15,000.00.
• Grocery Loan Zero-interest loan for regular members of at least 6 months with loan rating of at least A-. Maximum loan amount PHP 4,260.00, payable in 2 months.
• Educational Loan Loan for payment of tuition fees where loan amount exceeds four times share capital. Maximum term 10 months.
• Family Medical Insurance Loan Loan for family hospitalization insurance with coverage of PHP 20,000 per year. Members must not be more than 69 years old upon application and can nominate at least 4 beneficiaries. Maximum loan amount PHP 2,250.
• Capacity Loan Loan requiring share capital of at least 5% of loan amount. Real estate property required as collateral.
• MCH/Multicab Loan Credit service for motorcab/multicab for-hire operators. Maximum loan amount PHP 50,000.
• Financing Loan Loan for purchasing vehicles with year model not more than 10 years but not below 5 years. Maximum financing loan is 5x share capital or PHP 500,000, whichever is first. Applicant must not be more than 65 years old on date of application.
• Instant Loan Loan with maximum amount of PHP 10,000.00 on top of any existing loan. Renewable anytime with unpaid amortization deducted from proceeds within 30-day grace period. Applicant must be member in good standing (MIGS).
• Regular Loan Loan where amount is more than share capital but not exceeding 200% of share capital. Collateral required for exposure beyond PHP 10,000.00.
• Go PHCCI Mobile App Mobile banking application allowing members to track account transactions, generate QR codes, receive latest news notifications, and apply for loans online. Available on iOS and Android app stores.
• PHCCI PinoyCoop ATM Card ATM card enabling members to inquire about savings balances and withdraw from any ATM anywhere in the country. Can also be used for POS transactions.
• All-inclusive ATM Service ATM service available at select branches allowing transactions for all member and non-member Bancnet ATM card holders, including ATM Inquiry, Withdrawal, Prepaid Load, Fund Transfer, Credit Card Cash Advance, Debit Card, and Bills Payment.

Quantifiable outcome

• PHP 4.84 billion in total resources serving 98,695 members as of Dec 31, 2019
• +2 more outcomes

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• MetrobankcoreChannel Partner/ Reseller/ DistributorMetrobank serves as a bill payment outlet for PHCCI members to make loan and share capital payments. Members can visit any Metrobank branch and use payment slips with reference number SHARECAPITAL and subscriber number.
• Robinsons BankcoreChannel Partner/ Reseller/ DistributorRobinsons Bank accepts PHCCI payments at selected branches including Robinsons Place Dumaguete, Bais, Bacolod, Mandaue, Osmeña Cebu, and Manila Main Office Galleria. Members use payment slips with company name PHCCI and payment type codes.
• BPIcoreChannel Partner/ Reseller/ DistributorBank of the Philippine Islands (BPI) accepts PHCCI payments through online channels. Account Name: PERPETUAL HELP COMMUNITY COOPERATIVE, Account Number: 1083-4316-75.
• BDOcoreChannel Partner/ Reseller/ DistributorBanco de Oro (BDO) accepts PHCCI payments through online channels. Account Name: PERPETUAL HELP COMMUNITY COOPERATIVE, Account Number: 0066-7017-9250.
• GCashcoreChannel Partner/ Reseller/ DistributorGCash mobile wallet integration allows PHCCI members to make loan payments through the app by searching PHCCI DUMAGUETE and entering account number (00 + 16-digit reference number). Service charge of Php 15 per transaction.
• EC Pay (7-Eleven)coreChannel Partner/ Reseller/ DistributorEC Pay enables PHCCI loan payments through 7-Eleven stores nationwide using CLIQQ kiosk machines. Members search PHCCI DUMAGUETE and enter account details.
• Palawan PawnshopcoreChannel Partner/ Reseller/ DistributorPalawan Pawnshop serves as over-the-counter payment outlet for PHCCI loan payments across their branch network.
• BancnetcoreTechnology or IntegrationBancnet integration enables PHCCI's All-inclusive ATMs to accept all Bancnet ATM cards nationwide for transactions including withdrawal, inquiry, fund transfer, prepaid load, bills payment, and credit card cash advance.
• NATCCO (National Confederation of Cooperatives)minorStrategic or Co-development PartnerPHCCI, through NATCCO, has adopted the Aflatoun Child Social and Financial Education program for public elementary schools in areas where PHCCI operates. This is a social responsibility and education initiative.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• GCash (Mynt / Globe Fintech Innovations): GCash is the Philippines' leading mobile wallet, integrated as a payment partner for PHCCI but increasingly a competitor in micro-savings and micro-credit via GSave and GLoan. Comparable target demographic (mass-market Filipino consumers).
• Maya Bank (formerly PayMaya): Maya is a digital bank and mobile wallet offering savings, credit, and payments to Filipino consumers and small businesses. Comparable as an emerging competitor for PHCCI's younger, digitally-native members.

Regional players

• Negros Cooperative Bank: Regional cooperative bank based in Negros Occidental serving the same island group as PHCCI. Comparable as a regional cooperative/credit-union peer with overlapping member base in the Visayas.

Broad incumbents

• CARD MRI (CARD Bank & CARD Mutually Reinforcing Institutions): CARD MRI is the largest microfinance and cooperative-based financial services group in the Philippines, operating a cooperative bank and NGO network that provides savings, loans, and insurance to underserved communities — directly comparable member-owned model to PHCCI but at national scale.
• UnionBank of the Philippines: One of the Philippines' leading digital banks, aggressively targeting savings and small-business lending in regional markets including Visayas. Comparable as a competitor for PHCCI's deposit and small-ticket loan customers.
• LANDBANK (Land Bank of the Philippines): State-owned universal bank that lends to and services cooperatives and rural financial institutions across the Philippines. Comparable as an incumbent serving the same member/borrower segment but with broader mandate and balance sheet.

Direct peers

• Taytay sa Kauswagan (TSK) Cooperative: TSK is one of the largest credit cooperatives in the Philippines providing savings, loans, and micro-insurance to members across multiple regions. Comparable to PHCCI as a member-owned cooperative with shared financial product mix and similar community-led GTM.
• ASKI Global Group (Alalay sa Kaunlaran, Inc.): ASKI is a large Philippine microfinance cooperative and NGO offering savings, credit, and livelihood programs to underserved communities. Comparable to PHCCI in member-owned structure, microfinance focus, and Visayas/Luzon regional footprint.
• NWTF (National Workers' Trust Fund) Cooperative: NWTF is a national cooperative federation providing savings, loans, and insurance to Filipino workers and their families. Comparable member-owned, multi-product cooperative model to PHCCI.

Others

• National Confederation of Cooperatives (NATCCO): NATCCO is the national federation/coopetition partner of PHCCI (PHCCI partners with NATCCO on Aflatoun financial education). Acts as a cooperative network/ecosystem participant relevant to PHCCI's growth strategy.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/phcci
• Facebookfacebook.com/phcci
• LinkedInlinkedin.com/company/perpetual-help-community-cooperative-phcci-

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Perpetual Help Community Cooperative