To offer an “easy-access” loan up to 90% of the face value of the member’s total uncommitted regular savings deposit and or compulsory savings deposit and common share capital that caters the liquidity needs of a member-borrower.

Max loanable amount is up to 90% of the total uncommitted Regular Savings, Compulsory Savings Deposit, and Share Capital

Minimum loan term is 3 months, while max loan term is up to 60 months

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

To extend additional credit accommodation to members who have Preferred Deposit placement(s) maintained in Oro Integrated Cooperative

Maximum loanable amount is up to 90% of the total amount of the Preferred Deposit placement maintained in OIC

Minimum loan term is 3 months, while max loan term is co-terminus to the maturity date of the Preferred Deposit

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

For a visa application purposes to visit, study, or live abroad:
a) Any individual who is applying for a visa to visit, study, or live abroad and is in need of proof of funds or certificate of deposit(s) as part of the requirement.
b) Applicant must have no existing loan with OIC from the time of application.

As financial guarantee (Contractor’s Bond) for contractors:
a) Business ownership must be sole proprietorship or partnership and corporation.
b) Applicant must be a shareholder of the corporation.
c) The existing business must be operating for at least three (3) years and profitable for the latest two (2) years.
d) Must have no combined outstanding debt from the cooperative or other institutions that exceed forty cents (40%) of the member’s Adjusted Debt Capacity Ratio (ADCR).

Minimum loanable amount: One Hundred Thousand Pesos (P100,000)
Maximum loanable amount: Ten Million Pesos (P10,000,000)

Minimum term: One (1) month
Maximum term: Twelve (12) months

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

This is an all-purpose short-term privilege loan primarily to provide funds to a farmer-members in good standing, intended for farm side-dressing or personal consumption, or other non- income generating activities or for productive purposes.

Must be a Full Fledged Farmer-Member
Must have two Agricultural loans or must an OIC member for 1 year

Minimum loanable amount: Seven Thousand Pesos (P7,000)
Maximum loanable amount: Fifteen Thousand Pesos (P15,000)

Minimum term: One (1) month
Maximum term: Ten (10) months

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.

To provide the member access to a maximum of two (2) sacks of rice through credit for personal consumption.

Maximum loanable amount: Equivalent to the value of one (1) sack of rice of good quality but must not exceed Two Thousand Five Hundred Pesos (P2,500.00)

Term:
NON-FARMER MEMBERS – The maximum term of payment of Rice loan shall be one (1) month.
FARMER MEMBERS – The maximum term of payment of Rice loan shall be two (2) months.

For further details, please visit our website at www.orointegrated.coop and navigate to the Contact Us menu.