Building a Brighter Future

In today’s world, where the cost of living rises faster than incomes, and financial challenges are part of daily life, one thing is clear: financial literacy is no longer optional—it is essential. Many Filipinos, especially those from marginalized families and Overseas Filipino Workers (OFWs), face the painful cycle of hard work abroad, poor money management at home, and the lack of lasting savings or investments.

This is where the Overseas Filipino Workers Toledo Credit Cooperative (OFWTCC) steps in. As a true social enterprise, OFWTCC is more than just a cooperative; it is a movement of empowerment built to rescue families from financial struggles and to create opportunities for sustainable growth.

Financial Literacy: The Foundation of Empowerment

Financial literacy is the ability to understand how money works—how to earn, save, spend, invest, and grow it wisely. Unfortunately, many families never receive proper financial education. As a result, even hardworking OFWs and local earners often fall into debt, live paycheck-to-paycheck, and struggle to secure their children’s future.

What OFWTCC Offers:

Regular Financial Literacy Training – members are taught budgeting, saving, debt management, and investment basics.

Capital Build-Up (CBU) Program – members are encouraged to grow their share capital and savings, turning them into part-owners of the cooperative.

PROED (Promoting Education through Education Program) – a savings scheme that prepares families for their children’s college education.

Through these programs, members don’t just earn; they learn how to make their money work for them.

Mentorship: Guiding Members Toward Success

Knowledge is powerful, but guidance makes it transformative. That is why OFWTCC emphasizes mentorship—experienced leaders and trainers walk alongside members, helping them apply what they learn in practical, everyday life.

• Personal Financial Coaching – helping members align their goals with realistic financial plans.

• Peer-to-Peer Mentoring – members learn from each other’s stories, challenges, and best practices.

• Leadership Development – preparing members not just to grow personally but to take part in cooperative governance and decision-making.

Mentorship ensures that no member is left behind, and that the cooperative’s growth translates to individual empowerment.

Entrepreneurship: From Survival to Sustainability

OFWTCC believes that the path to true financial independence lies in entrepreneurship. Instead of relying only on employment or remittances, families can create sustainable income streams through small businesses.

• NEGOSYO BARANGAY Program – provides startup capital, training, and guidance to members who want to begin their own small businesses.

• OFWTCC Grocery / People’s Store – a wholesale and retail hub where members can source goods at cooperative prices, giving them better margins for resale.

• Livelihood and Microenterprise Support – continuous training and financing options for members who want to expand.

By promoting entrepreneurship, OFWTCC empowers members not only to earn for today but also to build legacies for tomorrow.

OFWTCC’s Holistic Solution

The strength of OFWTCC lies in its integrated approach:

Financial Literacy provides knowledge.

Mentorship provides guidance.

Entrepreneurship provides opportunity.

Together, these three pillars create a complete solution to break the cycle of poverty and financial instability. Instead of giving temporary aid, OFWTCC builds long-term resilience and empowerment for its members and their families.

The Call to Action

At OFWTCC, we believe that every member is not just a beneficiary but also a partner in creating a cooperative that uplifts communities. By joining, you gain access to financial education, mentorship, and entrepreneurial opportunities that can transform your life and the lives of your loved ones.

Be part of OFWTCC today. Learn, grow, and build a sustainable future—together.