Member Benefits & Responsibilities
Discover the rewards of collective ownership and the shared commitments that drive our community's sustainable growth.
Exclusive Member Benefits
As a co-owner of SMCC, you gain access to programmatic financial rewards, lifestyle security, and continuous personal growth.
Affordable & Profitable Products
Enjoy products and services at lower prices, balancing member welfare with profit maximization. All goods are delivered directly to your doorstep for maximum convenience.
Dividends & Patronage Refunds
Earn high dividends from your Capital Share contributions (4% to 8%) alongside a Patronage Refund built directly from your active participation and community marketplace patronage.
Essential Home Products
SMCC structurally distributes essential daily household products to its active members from time to time as a tangible, ongoing part of your membership perks.
Monetary Referral Rewards
Earn cash incentives through our built-in referral structure by introducing new participants and clients to our fast-growing cooperative network.
Group Life Insurance
Gain peace of mind with a dedicated financial product that provides an essential lump-sum payment to beneficiaries, protecting your family’s foundational security.
Financial Literacy & Training
Receive high-value institutional training in leadership, proactive financial management, livelihood development programs, and community entrepreneurship.
Personal Dashboard Portal
Take control of your records anywhere, anytime. Monitor your financial contributions, transactions, and cooperative status in real-time right on your mobile phone.
Damayan Program Privilege
A shared support system where each member contributes ₱100 to families of deceased members. Total collections equal ₱100 multiplied by all active members (capped up to ₱1,000,000).
Member’s Responsibilities
True cooperatives thrive on mutual commitment. To maximize your benefits and keep our network robust, members fulfill five core obligations:
Patronize Cooperative Products
Enjoy, save, and grow with us! Purchase a minimum of Php 25,000 in cooperative products within a fiscal year to fully unlock and maximize your ownership benefits.
Help Our Community Grow
Actively advocate for your cooperative. Invite at least two family members, relatives, or close friends to join and scale our shared-wealth ecosystem.
Save For Your Future
Maintain financial discipline by committing to a minimum savings deposit of ₱2,500 completed within five (5) months, starting with an initial deposit of at least ₱500.
Subscribe Capital Shares
Fulfill capital obligations by subscribing to a ₱10,000 capital share, paying a minimum of ₱2,500 initially, and settling the balance within five (5) months.
Engage and Participate Proactively
Be present and ready to participate in cooperative activities—whether in-person or virtual—including our regular General Assemblies, specialized seminars, and community services.
The Power of Our
Internal Market
By channeling our collective purchasing power inward, SMCC transforms everyday baseline dynamic spending into a engine of community wealth creation.
With an annual target of ₱25,000 per member, our foundational footprint of 10,000 initial members creates a highly sustainable ecosystem. By offering premium daily household needs delivered directly to your doorstep, this milestone is easily within reach.
