The Most Reliable Cooperative in Negros Oriental

Perpetual Help Community Cooperative (PHCCI), formerly known as Perpetual Help Credit Cooperative, Inc. was organized on April 14, 1971 by thirty three (33) pioneer members with a starting share capital of PHP586.00, and was later registered with Cooperative Administrative Office on February 18, 1972 under Republic Act No. 2023.

Go PHCCI mobile is NOW AVAILABLE at Apple App Store.    PHCCI is giving out QR Codes to members for contactless entry and collection of contact tracing details.   For your safety, please wear face mask when you visit our branch and satellite offices. Social distancing will be observed.   Toledo Satellite office is open Monday to Saturday from 8:30 AM to 4:00 PM.   Lapu-lapu Poblacion Branch is open Monday to Saturday from 8:30 AM to 4:00 PM.   Carcar Branch is open Monday to Saturday from 8:30 AM to 5:00 PM.   Notice: Telephone system update on Oct.16. No incoming & outgoing calls from 1:00pm to 5:00pm. Sorry for the inconvenience.
Perpetual Help Community Cooperative

Our Products & Services


Deposit your savings in PHCCI. We offer you various savings account that meets your needs. Start your saving goals now.


Short in funds for immediate needs? Apply for a loan according to your purpose and get the essential amount with PHCCI.


Regular Loan (2.00%)

Motorcycle Loan (1.00%)

Instant Loan (1.50%)

Housing Loan (1.30%)

Emergency Loan (1.50%)

Grocery Loan (0.00%)

Finance Loan (1.50%)

Salary Loan (1.50%)

Numbers Speak For Themselves!

Loans Requested
Loans Approved

Need Assistance?

Don’t hesitate to make a phone call. Your inquiries are our utmost priority.

Perpetual Help Community Cooperative

Mode of Payment

Latest News

Get updated with the latest events and announcements.

PHCCI offers affordable loan interest rates.

Acquire this budget friendly loan interest. Not yet a member? Attend our Pre-membership Education Seminar personally or online.


Rules and Guidelines for PINTA, KAABAG!

  1. Pinta, Kaabag! Is an online competition geared to curate designs from various professional and amateur digital artists (open to both members and non-members) depicting the theme for this year: “LEADING A ROBUST FUTURE FOR THE COOP MOVEMENT.”
  2. All entries are restricted only to digital painting and all forms of computer-generated graphics. Any software can be used to create entries. Animated or moving GIFs are not accepted.
  3. Participants must accomplish the contest registration form:
  4. All entries should be submitted to the link provided on or before April 11, 2023 11:59 PM.
  5. Each participant is allowed to submit one entry only.
  6. Accepted rendered formats are: JPG or PNG. The raw file file (.psd or .ai or etc) of entry must also be submitted.
  7. All entries must be submitted with SUBJECT: PINTA, KAABAG + LAST NAME follow file format: TITLE OF ARTWORK_First Name and Last Name.jpg or TITLE OF ARTWORK_First Name and Last Name.png
  8. Entries should be at least 420mm x 594mm (vertical), 300 ppi for raw file, 72ppi for rendered.
  9. Entries sent to previous digital art contests, art used for commerce, artworks infringing intellectual property will be disqualified.
  10. Criteria for Judging: Relevance to the Theme 30%, Originality/Creativity 30%, Technical Excellence 20%, Composition and Elements 20%, Total 100%. Brief description of entry will also be considered in the judging. Shortlisting will be done to come up with the Top10 entries. Qualifiers will proceed with the final judging on April 14, 2023, 1 PM at the 4th Floor Conference Room, PHCCI Building, San Jose Extension, Dumaguete City.
  11. The following are the prizes for the Top 10: First Place P5,000.00Second Place 3,000.00, Third Place 2,000.00, Consolation Prize 1,000.00.

  12. All designs will be presented on April 14, 2023 during the Presscon Event at the PHCCI Fr. O'Connell Board Room, 2nd Floor PHCCI Building, San Jose Extension, Dumaguete City.
  13. Winners will be announced on April 16, 2023 during the Pasikat, Kaabag Closing Ceremonies.
  14. All entries may be used as collaterals by PHCCI, release clause is applicable at the time of registration.
  15. Winner may also be contracted as designer for PHCCI T-shirts or related collaterals.

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