At A Glance

as of March 2024


clients served

1.3+ billion

outstanding loan


number of offices


Who We Are

The CARD Employees Multi-Purpose Cooperative (CARD EMPC) is a cooperative where members are bonded institutionally. It is intended to assist the CARD MRI staff on credit access, health care benefits, and providing dividends as shareholders of the cooperative. The longer you stay with CARD MRI, the more secure your future is.


What We Do

We provide financial access and healthcare for our members. We aim to address the needs of CARD MRI staff to uplift and motivate them in upholding to mission of CARD MRI in transforming the lives of others.


How We Do Things

As we value the contribution of CARD MRI staff in uplifting the lives of marginalized communities, we continue to provide our cooperative members with products and services that are efficient. Being their support system in terms of financial and healthcare services, we‘ve pilot new loan product for selected areas and simplified requirements of health claims reimbursement. We are committed to process the complete loan application within 3-7 working days upon receipt but only one day when the purpose is emergency. We are also committed to pay complete health reimbursement documents within 1-3 days upon receipt.
CARD EMPC is also part of the Credit Information System Act, which is being done by commercial banks and other financial institutions, including cooperatives. Through this, we can check whether our cooperative’s members have loans with other institutions. This is part of our move to ensure that our cooperative’s members are also financially literate.
As we equip our CARD MRI clients with skills and know-how’s towards financial independence, we also want to do the same for our staff.

Our Community

We are investing in a community of social development workers whose effort is to reach and make a positive riffle effects to the lives of the poor.
With a strong workforce, we will be able to achieve our mission in eradicating poverty in the country.