Unified North Credit CooperativeActivity 1
Needs or wants?
A need is something we must have to live, study or stay well. A want is nice to have, but we can wait. Help Kuya Al sort these.
Learn and play
Money lessons for the whole pamilya.
Pick your group. Every activity works on a phone, needs no sign-up, and keeps nothing you type. Prices in the games are pretend prices for practice.
Activity 2
Kuya Al's coin count
Tap the coins and bills to pay the exact amount. No change needed!
You picked ₱0.00
Activity 3
My alkansya goal
What are you saving for? Tell Kuya Al how much it costs and how much you can drop in your alkansya each school day.
Kuya Al's tip: drop your coins in the alkansya first thing when you get your baon, before you buy anything. Saving first makes it a habit.
Activity 1
Baon budget builder
Plan a week of baon. Put savings first, then split the rest. Every peso should have a job.
Activity 2
Scam or legit?
Scammers text, chat and post every day. Read each message and decide. Then see why.
Never share your OTP, MPIN or password with anyone, even someone who says they work for a bank, an e-wallet or UNoCreCo. When in doubt, call or visit the office yourself using contact details you already trust.
Activity 3
Big goal tracker
Saving for a laptop for college, a phone, or your first business? See how long it takes, and how gifts from Pasko and birthdays speed it up.
Activity 1
Family emergency fund
An emergency fund covers your family's essentials when income stops or a big expense comes: a hospital stay, a typhoon, a lost job. List your monthly essentials to see your target.
Keep the fund where you can reach it quickly but are not tempted to spend it, separate from your everyday wallet. Ask at either office about saving with UNoCreCo.
Activity 2
The true cost of a loan
"5-6" means you borrow ₱5 and pay back ₱6: that is 20% interest for one short period, often weeks. Enter any loan offer to see what it really costs before you sign.
Before you borrow from anyone, ask for the full cost in writing: the interest, every charge, and the total you will pay. Under the Truth in Lending Act, lenders must give borrowers this statement before the loan is completed.
Source: Republic Act No. 3765, the Truth in Lending Act. This calculator uses simple interest on the amount borrowed.
Activity 3
Cooperative basics
Five questions on how a credit cooperative works. Tap an answer to check it.
Source: Republic Act No. 9520, the Philippine Cooperative Code of 2008.