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

Deposit counterpart should be at least 90% of the combined Regular Savings, Compulsory Savings Deposit, and Share Capital

Co-Maker requirement: None

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

Must have at least P3,000 Common Shares and P1,500 Regular Savings

Co-Maker requirement: None

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

Deposit Requirements:
Regular Savings – Must have at least One Thousand Five Hundred Pesos (P1,500)
Share Capital – Must have at least Five Thousand Pesos (P5,000) for the first P500,000 in Show Money Loan amount and an additional One Thousand Pesos (P1,000) for every succeeding P 100,000 in Show Money Loan amount

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

Deposit Requirements:
Share Capital – Must have at least Five Thousand Pesos (P5,000) for the first P500,000 in Show Money Loan amount and additional One Thousand Pesos (P1,000) for every succeeding P100,000 in Show Money Loan amount.

Co-Maker requirement: None