The basic principles include voluntary and open membership, democratic member control, member economic participation, autonomy and independence, education, training and information, cooperation among cooperatives, and concern for the community.

Cooperatives provide members with access to affordable financial services, democratic participation in decision-making, economic benefits such as patronage refunds and interest on share capital, and opportunities for education and training.

The CDA is the government agency responsible for promoting the viability and growth of cooperatives in the Philippines. It registers cooperatives, provides technical assistance, and adjudicates disputes.

The mission of BFHSHSaCC is to be a professionally managed, reliable, dynamic, and responsive provider of innovative financial and non-financial products and services that promote and improve the socio-economic well-being of its members and their families, particularly the economically challenged but aspiring self-employed entrepreneurs.

Any natural person who is a Filipino citizen, of legal age, has the capacity to contract, has been a resident of BF Homes or other villages in Parañaque City for at least one year, a Php 500 membership fee and meets other requirements can become a member.

BFHSHSaCC offers savings accounts (regular and time deposit) and loan products (regular, pangkabuhayan, and emergency loans).

To join, you need to attend a Pre-Membership Education Seminar (PMES), fill out a membership application, pay the membership fee and share capital, and comply with other requirements.

The minimum paid-up capital of Php 5,000 and a minimum share capital requirement of Php 20,000, is required upon joining.

To avail of a loan from BFHSHSaCC, you must first be a bonafide member in good standing for at least three months and have a minimum paid-up share capital of ₱5,000.00. The specific requirements and loan amounts vary depending on the type of loan you're interested in.

The cooperative offers three types of loans:

1. Regular Loan - This is for general financial assistance and can range from ₱10,000 to ₱50,000, depending on your share capital and savings. The loan duration is six months, with a 2% monthly interest rate.

2. Pangkabuhayan Loan - This is intended for business expansion or capital asset acquisition. The loan amount can be between ₱10,000 and ₱100,000, with a loan duration of 12 months and a 1.5% monthly interest rate.

3. Emergency Loan - This is for short-term emergency funding and can range from ₱5,000 to ₱20,000. The loan duration is six months, with a 2% monthly interest rate.

In addition to the interest rate, all loans have a 1% service fee, a ₱100 filing fee, and require contributions to the capital build-up, savings, and Damayan fund.

Remember, the cooperative's goal is to help members improve their financial well-being. Loans should be used for their intended purposes and repaid on time to maintain your good standing and access future financial services.

Interest rates vary for Savings Deposit you can earn as much as 3% monthly interest while for Loans depending on the type, for example, regular loans have a 2% monthly interest rate, while pangkabuhayan loans have a 1.5% monthly interest rate.

Yes, BFHSHSaCC also offers an emergency fund/damayan program, as well as various training and development opportunities for its members.