TCC and the Testimonies of their members

TUBAO CREDIT COOPERATIVE

Testimonials/ Success Stories

Master Teacher I, Tubao La Union

I was in the grade school when I heard about ‘TUBAOCREDIT COOPERATIVE.” There are lots of positive thingsI’ve heard about it. Actually, my parents are also members.We were able to finish our education until we becamedegree holders together with my two sisters, Mariel PaneloEstoque and Arlyn Panelo. It is because of the amount ofmoney my parents borrowed from the Cooperative.

Noel T. Panelo success story…

Way back 2003; a blessing came from God because I was ableto fill a teaching position in a Central School in our town. At thattime, I asked my parents how to become a member of theCooperative because I want to become a member, too. They askedme to visit their office and I did it. I attended the PMES until Ibecame a member. There came a time when we encounteredfinancial problem and since I’m already employed in a governmentservice, I decided to apply for salary loan for teachers and TubaoCredit Cooperative was very willing enough to lend me that certainamount. I also used the rest of the money in my education. Ienrolled in the graduate studies and took up Master of Arts inEducational Management. Because of dedication and commitmentto my profession, I was promoted from Teacher I to Master TeacherI and just last year I was awarded as One of the Most OutstandingPublic School Teacher in La Union.

Noel T. Panelo success story…

Tubao Credit Cooperative is really a blessing for me. I was ableto sustain the education of my younger brother in college becauseof the salary loan offered by TCC. He finished Bachelor inElementary Education and now a teacher like me. He is Alvin T.Panelo and now teaching at Saint Isidore School of Tubao. Theamount and the trust given me by the TUBAO CREDIT COOPERATIVEhelped me fulfill and realize my dream as well as the dream of myyounger brother Alvin.Truly….

“Gapukenka TUBAO CREDIT COOPERATIVERigattibiagmaibturan,Gapukenka TUBAO CREDIT COOPERATIVEPanagrang-ay masarakan.”

Testimonies/success storiesCatalina Boado Garcia

San Nicolas West, Agoo, La Union(Fisherfolk)

Fisherfolks are one among the sectors of ourcommunity who comprise membership in the Tubao CreditCooperative. They live along the coastal barangays of themunicipalities of the province of La Union. Fishermen or“mang-ngalap” as they are often called in our local dialect,greatly depend on fishing as means of their livelihood.

Testimonies/success stories- Catalina Boado Garcia

• This livelihood is quite difficult and risky particularlywhen the weather is not fine and the sea is rough.Likewise, their income is not stable, especially when afisherman does not own a fishing boat. However, thisirony in life is negated, when one has a positiveapproach in life.

• This positive approach in life, is exemplified by onefisherman in the name of Lumer Garcia of barangaySan Nicolas West, Agoo, La Union. He is sixty five (65)years old, married to Catalina Boado of whom theywere blessed with six (6) children, four (4) girls and two(2) boys. Mr. Lumer Garcia is a typical fisherman wholives below the threshold of poverty.


• He stays in a typical house made of indigenous materials located near the seashore. Although he owned a motorized boat or “banca” which he used for fishing to earn a living in sustaining his family, still, Mr. Garcia has to double his efforts in order to send his children to college. This financial predicament signalled the couple to join and became members of the Tubao Credit Cooperative. Mr. & Mrs Lumer Garcia originally availed of a small productive loan from the cooperative and eventually obtained a bigger sum in their succeeding loan availment, because they promptly settled their loan obligations


• They are classified as members in good creditstanding. His patience, hard work and a loan capitalfrom Tubao Credit Cooperative, fortunately enabledhim to raise his income and acquired four (4) moremotorized fishing boats. He was able to send hischildren to college. His six children are nowprofessionals, one is a doctor, the others are nurse,midwife, engineer, criminologist, and HRMgraduate. Their present house is now a new two-storey concrete edifice, harmonized with a brandnew service car. Indeed, the fruit of the toil of Mr. &Mrs. Garcia is a shining example of a successfulmember/borrower of Tubao Credit Cooperative. ToGod be the glory ! ! !

Testimonies/success stories

Success story of one of the trainees who underwent the Skills Training on Welding provided to Person with Disabilities sponsored by the TCC held on August 05, 2013 toAugust 10, 2013

Name of Trainee : VICTORIANO G.DRAPIZA

Age : 56 years old

Address : Brgy. Garcia, Tubao, La Union

Educational Attainment : Vocational Course Graduate

Occupation : Triycle Driver/ welder

Testimonies/success stories- VICTORIANO G.DRAPIZA

Victoriano is among the trainees who underwent training on Welding which tohim was a big opportunity for him to develop and acquire additional skills despite of hisdisability which he got when he was five years old. It was his left foot which got deformedbeing a Polio victim. This disability did not mar him in taking up Refrigeration and Airconfor a period of one year but so unfortunate that he did not sustain these skills due tofinancial limitations being unable to have the financial means to purchase his own tools,which accordingly are so expensive which he claimed he cannot afford. With no tools of hisown, his interest decreased until he got into driving a tricycle which he learned from hisown father. With strong determination to earn an income for his family, he then learned todrive, as well as make minor repairs on tricycles from his father who taught him these skillsof which he is very grateful because going to school to learn such would entail muchexpenses which his family cannot afford at that time.


With Six children to support, he did not stop looking for more opportunities so that healso engaged on farming to augment the income he gets from driving a tricycle. Determined toearn more for his family, he took the opportunity to undergo the Training on Welding sponsoredby the Tubao Credit cooperative, thus, completed the Five-day training Program which was heldAugust 05,2013 to August 10,2013.Other Twenty Four persons with disabilities also attended thetraining of which many of them were able to use the skills with Mr. Victoriano Drapiza, beingone of those who benefited much from it as he is able to increase his income by more or lessEight Hundred pesos in a week time so that he claims he is so grateful that the Tubao CreditCooperative has provided such opportunity to him for it did not only earn him additional incomebut also increased his feeling of worthiness since his disability was not an obstacle for him toacquire additional skills. He is very proud that since he acquired the skill, he is able to makerepairs and improvement of tricycle parts easier and also is able to do welding of window drills.The provision of the welding machine by the TCC was to him a great help and looks forward toputting up a welding Machine Shop together with the other persons with disabilities whounderwent training.


With an increased income, he claims he is able to help his married children in in augmenting the basic needs of his grandchildren .As a member of the TubaoCredit Cooperative, he says he is so proud that TCC has given importance in helping not only members of the cooperative but also non-members who were later motivated to become members.


Testimonies/success stories- Felicitas S. Paneda

Testimonies/success stories- Felicitas S. Paneda


Kathleen Mae Jean V. Suñer(Educational Assistance Grantee)

From An Educational Assistance Grantee

To A New Employee

Kathleen Mae Jean Suñer Soriano is one of the grantees for educational assistance of TubaoCredit Cooperative. She is the 3rd child among the five children of Mr. and Mrs. Alex G. Suñerwho are both members of the cooperative. She took up Bachelor of Science in ComputerScience in 2008 at Don Mariano Marcos Memorial State University, Agoo, La Union. As astudent, Kathleen was a very diligent one. She had good grades every end of the semester.However, she faced a very great challenge in her life when she needed to stop from going toschool due to pregnancy. As a policy of the Cooperative, the educational assistance grantshould have been terminated. However, for humanitarian reason, Kathleen was givenconsideration especially because she was doing well in school before she stopped.

Testimonies/success stories- Kathleen Mae Jean V. Suñer

Kathleen was so grateful for the opportunity given to her. The more that she gave her best in her studies. The greatest challenge was to study while taking care of her baby. She needed to work double time. Her being a mother was her inspiration to pursue her dreams and to graduate. Despite her condition, she was able to hurdle all her challenges. She finished her degree with flying colors last March 2013. After graduation, she started to apply for a job in various institutions including TCC. Incidentally, TCC is in need of a Clerk that time, so she was considered for the job. As an employee, Kathleen is seen as a very promising one possessing very good qualities like dedication and commitment to work, willingness to learn and humility. She has also established good working relationship with her co- employees.

For Kathleen, she will forever be grateful to Tubao Credit Cooperative. She said that she will serve TCC and promised excellent service for the members and with her co- employees.


Narcisa G. LlorenFarmer

Testimonies/success stories- Narcisa G. Lloren


TCC offered LivelihoodTraining on Basket Weaving,used straw is the material tosupport Solid WasteManagement.

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TCC and the Testimonies of their members