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As part of the Cooperative Value of Cooperation Among Cooperatives, the HPP Employees Multipurpose Cooperative has created the myCoop Mobile. Initially intended for use internally to bring members closer to the Cooperative, the app is now given for free* to other interested cooperatives. myCoop Mobile allows cooperatives to better reach out to their members by bringing information like share capital, savings deposit, and loan balances to their fingertips. 

Basic Features

• Allows members to view details of their investment with the Cooperative.
• Allows members to view outstanding balances of their loans.
• Gives members an idea of their loan eligibility with the Cooperative.
• Loan Calculator - allows members to calculate amortization based on target loan amount.
• Allows members to view their profile.

Interested cooperatives may contact the HPP IT Group at it.group@hpp.coop.

*Basic, standalone features only. 

As part of its continuing education, the officers of HPPECC attended the Cooperative Management and Governance Course held at 10F Two Cyberpod on Aug 3, 2019. As one of the trainings mandated by the CDA (Cooperative Development Authority) for cooperative officers, the course aims to equip cooperative officers and management the skills necessary in the effective operation of their cooperative as an economic and social enterprise. Among the topics discussed include good governance principles and practices, duties and responsibilities of officers and management, meeting management, financial management, HR, and the various laws relevant to cooperatives.

The course was conducted by Ms. Nonalyn Hermogenes, a CDA-accreddited trainer with almost 30 years of experience in the cooperative movement.  

In its effort to promote not just financial wellness but physical wellness as well, the HPP Employees Credit Cooperative has entered into a Memorandum of Agreement with Amazing Nature Care International (ANCI) to be a distributor of various ANCI products made from Stevia, an herbal plant that has been proven to provide many health benefits including lower blood pressure, diabetes control, weight loss, cancer prevention, lower cholesterol levels, oral health, skin care, and osteoporosis prevention, among others. In addition, Stevia contains zero calories, zero cholesterol, zero sugar, and has zero glycemic index*. It doesn't have the harmful side effects of sugar.

With the partnership, HPPECC members will be able to get Stevia products at specailly discounted price. Some of the ANCI products include:

• Brown Rice Promegranate Coffee - anti-oxidant, anti-cancer, immune system booster, good blood circulation
• Slimcare Coffee - weight loss, skin whitening 
• Stevia Tea Leaves - detoxification 
• Stevia Capsules - food supplement
• Nutisweet Stevia Powder - natural sweetener
• Guyabano Iced Tea with Stevia - healthy iced tea

 For dealership, members may email inquiries to admin@hppecc.com.

*Glycemic Index is a value assigned to foods based on how slowly or how quickly those foods cause increases in "blood sugar" levels.

HPPECC officers went to Bocaue, Bulacan on August 12, 2019 for a visit to the ANCI Stevia Farm and signing of the Memorandum of Agreement. From left, Johan Molo (Chairperson), Val Hilario (CEO), Gege de Guzman (Director), Kat Salangsang-Garcia (Vice Chairperson), PM Espadon (Director), and Janet Abrigo (Admin Assistant).

Witnessing the MOA signing include (from left) Edwin Rondina (Marketing Director), Nemie Hermano (Senior Sales Consultant), and Jerry Obina (Institutional Head). 

HPPECC officers trying the Quantum Resonance Magnetic Analyzer (QRMA), a high-tech machine that analyzes a person's health through electromagnetic signals in the body. It works by collecting and analyzing the weak magnetic cells in the human body and recommends possible solutions. ANCI Sales and Training Head, Joy Pablito, is seen explaining how the machine works.

"Ang tagal naman ng sweldo!", "Maliit kasi sweldo ko!", "Puro kayo gastos!", "Hay nako, kapos na naman!"

Sound familiar? They say it's human nature to complain. They may be right but no matter how small or big your salary is, if you lack discipline, no amount of salary will ever be enough. Elizabeth Warren, a US Senator and professor at Harvard University specializing in bankrupcy law, created what is known as the 50/30/20 Rule. Simply put, the rule advises you to spend your monthly income in 3 categories:

• 50% on things you need
• 30% on things you want
• 20% on savings and investments

The beauty of this rule is that it's both simple enough to follow yet powerful enough to help you achieve financial stability. It helps you handle unexpected expenses while at the same time prepare you for the future. If you're not sure how to start your budgeting strategy, try this. You can always adjust the percentages that's more suited to your current situation but it's a good place to start. It allows you to balance between your obligations, your long term goals, as well as your splurges. And at least with a rule like this, you know where you are over-spending. 

Of course if all else fail, there's always HPPECC. :-)