BESALA is a non-stock, non-profit corporation engaged in the business of accumulating the savings of its members and using these accumulations for loans to its members and has been in operation since August 31, 1989. BESALA services the financial needs of its members by providing short-term and medium-term loans. It is authorized to engage in the operation of a non-stock savings and loan association under R.A. 8367, otherwise known as the “Savings and Loan Association Act”. It encourages frugality, extends loans to, and distributes its earnings to its members in the form of dividends.


VISION To become one of the leading non-bank financial institutions in the country offering the best financial benefits to its members with continued and steady capital and revenue growth on a year-on-year basis.

MISSION We shall assist our members with their financial needs by providing them affordable loan facilities and help them save their money with high rate of return. We shall serve them along with systematic procedures and processes that will eventually bring satisfaction to the members.




Capital Contribution Account

Capital Contribution will earn dividend every year according to the approved rate set by the board.


Savings Deposit Account

All capital contribution deposits in excess of the maximum limit shall automatically be deposited to this account.


Withdrawal of Deposit

All withdrawals made by authorized representatives must be supported with Valid IDs of the member and the authorized representatives.


Salary Loan

This type of loan is in nature of a consumer loan and can be availed of by members for purposes of financing personal and household needs such as purchase of appliances and other minor purchases, payment of tuition fees, credit cards and other short term liabilities. 


Emergency Loan

This type of loan can be availed of by members for purposes of funding immediate expenses related to death of a family member, hospitalization not covered by health benefits, calamity or fortuitous events, and other circumstances beyond the control of a member. 


Medium Term Loan

This type of loan provides qualified members higher loanable amounts and longer payment terms subject to BSP Single Borrowers Limit. Regular employees of Coca-Cola Beverage Group with at least five (5) years of service are qualified to avail of this type of loan.


Back to Back Loan

This type of loan is also called Capital Loan as this loan attaches the Capital Contribution and Savings Deposits, if any, of the members as lien to secure the amount of loan. The loanable amount therefore, shall be based on the amount of the Capital Contribution and Savings Deposit of the member.


7TH Floor, ACE Building, Dela Rosa corner Rada Street
Legaspi Village, Makati City 


Email: info @             
Phone: 8892-4146; 8841-0579
Globe: 0917-5863-866
Smart: 0968-854-3779


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