Our Services
Cooperative services built around the financial and community needs of DEVMH-EMPC members.
Member groceries and household essentials through our consumer store — capitalized, owned, and patronized by you.
- Credit line availability based on your capacity to pay.
- Payroll cut-off: 25th of the month for permanent employees; 15th and 30th for contract-of-service workers.
- Overdue accounts incur a 2% per month penalty.
Six purpose-specific loan products built around real member needs — from payday support to long-term projects.
- Maximum loanable amount up to 10× your Capital Build-Up (CBU).
- Diminishing-interest scheme — you only pay interest on the unpaid balance.
- Terms from 3 to 60 months; processing in 5 to 7 working days.
Income-generating cooperative facilities serving members and the wider hospital community.
- Canteen building rental for tenant operators.
- Water station serving the hospital community.
- Food corner building with on-site space for food vendors.
A structured, accountable process for raising concerns. Every complaint is recorded, classified, assigned, and tracked to resolution.
- File online or in person at the cooperative office.
- Receive a reference number to track your case.
- Resolution within our service timelines (Simple ≤ 7 days, Complex ≤ 45 days).
Our loan products
Six loan products, each designed for a specific member need. Loan limits depend on your capacity to pay, residency, capital build-up, and the availability of cooperative funds.
Salary Loan
Short-term cash advance against your monthly payroll.
Special Loan
For special occasions and other life events.
Emergency Loan
For hospitalization and other emergency needs.
Bonus Loan
Available exclusively to permanent employees.
Project Loan
For larger, longer-term member undertakings.
PhilHealth Share Loan
Covers the member's PhilHealth contribution share.
Lending terms at a glance
Standard terms across all loan products.
Interest scheme
Diminishing
Term
3 – 60 months
12 months max for contract-of-service
Processing time
5 – 7 working days
Priority system applies when funds are limited
Overdue penalty
2% per month
Need to raise a concern?
Our complaint handling process is open to members and the public alike.