ISC / PR Mix Simulator

Year-end figures

Net Surplus for allocation (₱)

Total Average Share Months, TASM (₱)

Total interest on loans collected (₱)

Year of operation since CDA registration (1 = first year)

CDA normal ROI ceiling for ISC (optional, e.g. 0.12)

The example (Net Surplus 583,000; TASM 403,250; loan interest 845,000) is only a check of the arithmetic. Under the Platero booklet's older 10% / 10% / 10% funds it gives an ISC rate of 0.506013639 and a PR rate of 0.24147929. Replace the figures with BUPCC's actual year-end figures. TASM uses the 7th-day cut-off.

Funds set aside before ISC and PR (RA 9520, Art. 86)

Reserve Fund %

Education & Training Fund % (up to %)

Community Development Fund % (at least %)

Optional, land & building and other funds % (together up to %)

Fund	%	Amount	Rule

The rule values (10% and 50% reserve, the five-year window, 10% education, 3% community, 7% other) are held in one RULES block at the top of this page's script and are not tied to the formulas, so a change in law or By-Laws is a one-place edit. In BDE they will be read from a settings table in the back end, not coded into the screens. Any amount left after ISC and PR is credited to the Reserve Fund (Art. 86(5)).

Pool and allowed range

Funds set aside

Pool for ISC + PR

ISC share allowed (X₁)

Binding limit at low end

Binding limit at high end

ISC 0% / PR 100%ISC 50% / PR 50%ISC 100% / PR 0%

Floor: PR must be at least 30% of the net surplus after the funds set aside (the "pool"), so ISC cannot exceed 70%. Ratio cap: the PR rate may not exceed twice the ISC rate, which sets a minimum ISC share of TASM ÷ (TASM + 2 × loan interest). The 2× limit runs in one direction only.

Try a mix

ISC share (X₁):

ISC amount

PR amount

ISC rate (to 7 digits)

PR rate (to 7 digits)

PR rate ÷ ISC rate

Candidate mixes side by side

ISC / PR	ISC amount	PR amount	ISC rate	PR rate	PR ÷ ISC	Allowed?

Rates use the CDA formulas: ISC rate = X₁ × pool ÷ TASM; PR rate = X₂ × pool ÷ total loan interest. Green rows satisfy both rules. The highlighted row is the mix selected above.