Empowering Your Financial Future, Together.
Join Sako Cooperative today. Experience secure savings, flexible loan options, and a community-driven ecosystem dedicated to sustainable financial progress for everyone.
6,000+
Active Members
25+
Years Service
₱250M+
Assets Managed
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Co-Owned, Democratic, and Built to Last.
We are a member-owned cooperative dedicated to inclusive finance, livelihood, and community welfare. Our services are built on transparency, responsible lending, and sustainable growth.
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Inclusive Finance
Lowering entry barriers to savings plans, high dividend distributions, and absolute transparent credit lines for all co-owners.
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Sustainable Livelihood
Providing high-end credit options and SME enterprise micro-loans to help employees fund and launch successful local ventures.
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Community Welfare
Directing ten percent of Sako's annual margins into community scholarship assistance, health coverage packages, and crisis funds.
Sako Ng MLhuillier
The Samahang Kooperatiba ng M.Lhuillier Pawnshops' Employees (SAKO), as it is commonly known to its members, was conceptualized in September 1997 and conducted its first ownership meeting with VICTO in December 1997. It was organized and registered with CDA in September 1998.
The founder, Mrs. Judith Jardeloza Peralta, CPA, the former ML VisMin General Manager, together with the twenty-five (25) original and founding members, raised a total contribution for the Share Capital amounting to Php 26,000.00 at one thousand pesos each. Upon its registration, the total Capital Share generated was Php 71,500.00, and it began its credit services in 1999.
Sep 1997
Conceived
Dec 1997
VICTO Meet
Sep 1998
Registered
Y2K (1999)
Launched
SAKO Founder
Judith Jardeloza Peralta, CPA
Former ML VisMin General Manager
Php 26,000.00
25 pioneer membersPhp 71,500.00
Registered with CDA
Cooperative Loan Programs Tailored for You
Discover our specialized financial assistance programs designed to meet your immediate cash requirements, celebrations, major investments, and career transitions.
Why Join MLSAKO?
MLSAKO is dedicated to your financial well-being. By joining, you gain immediate access to exclusive patronage dividends, fair financing solutions, and modern digital channels.
Patronage Refunds & Dividends
Watch your money grow. Benefit from direct patronage refunds and premium dividend opportunities on your share capital investments.
Fair Financing & Emergency Loans
Access immediate, fair financial relief when you need it most with low interest rates, flexible schedules, and emergency credit approvals.
Financial Education & Programs
Enhance your financial literacy with high-quality budget masterclasses, business workshops, and proactive community programs.
Digital Channels for Convenience
Transact securely anytime, anywhere. Monitor your ledger, track loan applications, and enjoy safe virtual portals with ease.
Membership Requirements
Processing: 1–3 business daysMust be an MLhuillier employee with active employment status.
Must have already received at least one salary payment.
Requires an initial share capital deposit to configure your ledger.
Join the Cooperative Online
Skip the long queues and Seminars. Fill out our simplified online registration form and set up your dynamic ledger account in just under 5 minutes.
Enrollment Benefits
- Instant ledger creation
- Paperless document uploads
- Direct payroll-integration eligibility
Latest News, Assembly Advisories & Events
Advisory
Published: July 28, 2026
25th Annual General Assembly Scheduled on August 15, 2026
All legitimate regular members are requested to attend our upcoming assembly. Voting protocols regarding the new dividend tier reform will be initiated.
Workshop
Published: July 20, 2026
Empowering Agri-businesses: Free Accounting & Seed Funding Seminars
Join us this Wednesday to discover modern financial methodologies, low-overhead inventory management, and exclusive agricultural cooperative credit lines.
Community
Published: June 15, 2026
EduCare Grant Program Welcomes 50 New Student Scholars
Sako Cooperative's primary social impact trust releases scholarship support grants covering secondary and college tuition fees for exemplary underprivileged youth.
We're Here to Listen & Support.
Have queries about regular membership, micro-financing loans, or dividend payouts? Reach our central support desk. Or visit our head office.
Cooperative Headquarters
Room 201, ML Borromeo Bldg. Borromeo St. Pahina Central, Cebu City, 6000
Open: Mon to Sat (8:00 AM - 5:00 PM)
Interactive Location Map
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