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TCC
MCI(P) 085/02/2020
FEBRUARY 2021
ulletin
The Credit Co-operative with a Heart
Chinese
04 06 08 10
A TRIBUTE TO OFF THE BEATEN PATH! MAKING A DIFFERENCE TCC SCHOLARSHIP &
DR. R. THEYVENDRAN BURSARY AWARDS
TCC
ulletin
Welcoming
Chairman
Shareef Bin Abdul Jaffar, PBS
2021
(Polis)
Vice Chairman
Tan Geok Seng
Treasurer
Daniel Cher Choong Kiak, PBM
Board of Directors
Maria Bte Amri
Joshua Benjamin, PBM
Hamzah Bin Hj Abdul Karim
with
Santhanaram Jayaram
General Manager
T G Gritharan
Editorial Committee
T G Gritharan
Tan Geok Seng
Daniel Cher Choong Kiak, PBM
Secretariat
Fu Jinting
Ramapathy Giridhar Dorai 2020 has been a very challenging
year for all of us. We began 2021 with
Editorial and Design hope in our hearts and it is my solemn
INKGOT! Pte Ltd prayer that we can, together, overcome
the difficulties and move on to rebuild
TCC Bulletin is a quarterly
our economy and our lives. These are
publication of the TCC Credit
challenging times, and the importance
Cooperative Limited and is
not for sale. No part of this
of support in terms of access to much
Bulletin is to be reproduced, needed financial resources is acute as
transmitted, stored, digitally ever. TCC, as Singapore’s leading credit
or otherwise, without the prior co-operative, is ever ready to assist our
consent of the publisher. members during these times.
TCC Credit Cooperative In view of this, TCC has reviewed its
95 Killiney Road Singapore lending policies to make it easier for
239537
our members to take up much needed
Tel: 6319 3700
loans and to speed up the processing
Fax: 6737 0735
Email: info@tcc.org.sg
of loans. We have put in place a robust
Feedback: risk management matrix to assess each
mktgpromo@tcc.org.sg and every loan to ensure that loans are
Website: disbursed quickly.
https://www.tcc.org.sg/
Operating Hours:
8.45am to 6.00pm (Mon to Fri),
9.00am to 1.00pm (Sat)
2 February 2021 Issue
TCC
Bulletin
Tapping on the power of digitalisation and Our member representatives and youth
organising our first virtual AGM amidst the committee members have been hard at
pandemic last year has been one of the work organising and scheduling these
highlights for us. Constantly upgrading our activities. My heartfelt appreciation goes
system to benefit our members has also out to all of these passionate volunteers
been another highpoint. This ensures that who have dedicated their time and effort
members are able to continue with what to help their fellow men. The board will
they need to do without any disruptions. review our Common Good Fund benefits
The banking software upgrades have and will progressively introduce new
also been completed successfully. These benefits to assist members during these
upgrades will allow us to move closer to challenging times.
being able to provide a range of services
online as well as to speed up the loan I would like to take this opportunity
processing processes. to wish all our members a happy and
prosperous Lunar New Year! The ever-
Member engagement will continue and evolving COVID-19 situation has brought
members can look forward to new and upon all of us numerous changes and has
improved activities in the days to come. inevitably changed the way we see and
Whilst we organise these activities, we do things in our daily life. While we learn
are mindful that the safety and health of to adapt to the new normal with newer
our members are paramount. In this new challenges to overcome, I sincerely pray
normal, we will have to adjust our lifestyles and hope that this year will bring us fresh
and the manner in which we engage with starts and greater opportunities.
others to ensure that we stay safe and
healthy. Proactive measures will be put
in place to safeguard the health and well-
being of our members when carrying out Shareef Bin Abdul Jaffar, PBS (Polis)
these activities. Chairman, TCC Credit Co-operative Limited
The journey of transforming our co-
operative may be a challenging and
rocky one but I am confident that with The Board of Directors and staff of
the support of our team and cooperation, TCC Credit Co-operative Limited
assistance and support all our members, wish all our members a happy and
we will move forward toward greater prosperous Lunar New Year.
successes.
The Credit Co-operative with a Heart 3
TCC
Bulletin
Gone from Our Sights But Never
from Our Hearts and Minds
On 29 December 2020, our beloved Dr. R. Theyvendran, PBM passed away peacefully.
Four persons from TCC who not only worked closely with Dr. Denan but were also his
close friends share their thoughts and tributes to him:
the
v is o r to TCC since
n ad we held
n had bee 90s when
“Dr. Dena the e a r ly 1 9 y
times of He readil
turbulent in a s in gle year.
s
nd EOGM had to
3 AGMs a a n s h ip when I
the cha ir m k TCC
took over H e s te a d fastly too
n. in
my positio operative
relinquish b e c o m e the co- s
r heights
to f member
to greate la r g e s t number o n
e io
Singapor
e with th ong posit
ll y s o u n d and str
financia
and to a ership.”
it h h is a stute lead
w
an, TCC
, F o r m e r Chairm
anaruban
Mr. Mog
“I have kn
own Denan
and also a as a boss,
good frien as a mento
a mentor, d. As a boss r, as a lectu
he was alw , he was re rer
he was fun ays there to ally tough
ny and alw guide you; ; a s
friend, he ays made as a lecture
was alway the class la r,
been a figh s there for ugh; and a
ter and sto y o u . Denan had s
gone out o od up for w always
f his way hatever is
a man of h a n d helped ma ri g h t. He had
is word an ny individ
always be d would nev u a ls . He was
remembere er let you
d, cherishe down. He w
d and deep ill
Ms. Shoba ly missed.”
Gunasekara
Manager, n, Former
TCC long-time
General
4 February 2021 Issue
TCC
Bulletin
ect and above all
n of gr ea t vis ion and sound intell
“A ma A friend, mentor
for his fellow men.
strong compassion ound him to
inspired everyone ar
and confidant who eatest skill was in
in their lives. His gr
make a difference rturing them to
with promise and nu
identifying people continuity and
believed strongly in
become leaders. He team to ensure
a strong succession
he sought to build es that he has been
ons and communiti
that the organisati prosper in years
ntinue to grow and
involved with will co
to come.
build upon and
ation for others to
He laid a solid found to make his vision
of
inue to work hard
we at TCC will cont y.”
nk’ become a realit
TCC as a ‘People’s Ba
bent Chairman, TCC
PBS (Polis), Incum
Mr. Shareef Jaffar,
“Dr Denan
, as most o
community f us
, and the so called him, was an a
National C ciety havin ccomplishe
o-operativ g previousl d and exce
Commerce, e Federatio y been the ptional lea
President o n , S ecretary Ge C h airman of der in com
Stamford P f Singapore neral of M TCC, 1st Vic merce, the
ress group C eylon Tamil D IS , Chairman e Chairman
of compan of the Sing
ies… the list s Association, Preside of Singapo
re Indian C apore
He was a g goes on an nt of Ceylo hamber of
iant of a m d o n . n S p o rts Club, Ch
achievemen an and an airman of
t. He was, extraordina
most import ry person,
antly, a wo filled with
Having had nderful ma vision, abil
the honour n. ity, zest, d
and privile eterminatio
from very ge of work n, and
close quart ing with him
everything ers how dis
he was inv ciplined he closely for
society and olved, how was, alway slightly mo
how alway h e a s st riving to p re than a d
s he rendere lways wanted everyo ush the ba
r to greate
ecade, I sa
w
d his suppo ne to climb r achievemen
I know I w rt and assis up the ladd ts in
ould not se tance to an er in the co
impacted lo e another e yone who w mmunity a
ads and loa xtraordina ent to him. nd
society and ds of people ry person li
better worl and lived h ke Dr. Dena
few. d. He was is life of dis n again du
always the ring my life
re for the si cipline and excellenc time. He ha
d positively
lent majori e with a vis
The welfare ty a nd stood u ion of a be
an p against th tter
dearly close d care for the membe e vocal frin
ge
to his big h rs and staff
mentor and eart. He wa o
most of all s astoundin f TCC and of all other
a wonderfu g in his wa organisatio
ys, genuine n
Dr. Denan
l man. and sincere s he led were always
without an in his care
He has posi y doubt wo of others, a
tively impa uld be misse n able
will live on cted loads d , remembere
. and loads o d, and con
f people. H tinue to se
e wanted a rve as an in
Just like th ll to succeed an spiration to
e four of u d come up us all.
Thank you s, many othe in life. His
Dr. Denan rs would co legacy
and may y ntinue to c
our soul Re herish, and
Mr. M. Luk st in Peace remember
shumayeh, .” and be etern
Legal Advis ally gratefu
or, TCC l to him.
The Credit Co-operative with a Heart 5
TCC
Bulletin
Off The
Beaten Path!
On 24 October 2020, we trekked from Bishan to
Marina Bay Sands! Four groups of five members
signed up to embark on our fourth trekking event
together, organised as part of the TCC Healthy
Lifestyle initiative.
We walked via the Kallang Park Connector and what
a route it was! Situated about 2 km away from the
River Plains at Bishan-Ang Mo Kio Park is this rustic
1.2 km walking stretch, which runs from Lorong 8 Toa
Payoh to Potong Pasir Avenue 1.
As the oldest park connector in Singapore, the trees
here are large and mature, housing many varieties of
epiphytes on the branches and providing shade to
Park Connector users. The lush greenery supports
significant communities of biodiversity as well.
or take a leisurely stroll. The Kolam Ayer bridge
If you have exhausted your go-to running route, it underwent a facelift in 2016 and was given a fresh
might be time to switch things up and explore the coat of paint in a splash of bright blue, red, green
Kolam Ayer Waterfront that links Kallang to the and yellow. Besides its burst of hues, standing in the
Serangoon area along the Kallang River. It offers middle of it and playing with parallels also makes
spacious tracks where you can train for a marathon for a picturesque moment.
6 February 2021 Issue
TCC
Bulletin
But that’s not all – keep your eyes peeled for exciting sight as we saw people kayaking, paddling and
works along the entire Kallang River over the next joggers and cyclists galore. As we approached the
few years. There’ll be a spiral bridge over the PIE Singapore Flyer and headed to the Helix Bridge, we
and new underpasses at Kallang Bahru and Boon realised that we had walked for more than 20km.
Keng Road that will improve the connectivity of this As we approached our end point at the ArtScience
running route. Museum, the skies opened up and that probably
was a signal to say the walk had come to an end.
We walked past Kallang and entered the Marina
Promenade near the Kallang Basin. It was a beautiful
“I really enjoyed
the fun trek. It was
relaxing and I got to meet
fellow trekkers who enjoyed
the walk too. I am glad that TCC
organises these walks where
the scenery is good and people
can enjoy themselves. It was
also encouraging to see so many
people attending this event.”
Mr Freddie
participant
The Credit Co-operative with a Heart 7
TCC
Bulletin
MAKING A
DIFFERENCE
TCC organised its annual Corporate Social
Responsibility (CSR) event on 19 December 2020.
Unlike previous years, we decided to focus our
efforts on food distribution to needy and vulnerable
people. We identified 50 households at Block 124 “Hearing the residents
Kim Tian Place as our beneficiaries and worked saying ‘thank you’ to
with volunteers from Jalan Membina Residents’ those who visited them
Committee, who played great hosts to us and and hearing them share
ensured that we were well looked after. their stories was one of
the memorable highlights
While we were mindful that we are still in the midst today,” said SS, a TCC
of a pandemic, we also felt this made it even more member and volunteer.
important that we extend a helping hand to the less
fortunate in our community. With the year-end festivities
just around the corner, we
With safe distancing measures in place, we visited hope we have given these beneficiaries another
the beneficiaries. It was an eye opener for some reason to smile.
of us as we saw how the pandemic has seriously
affected the lives of some residents. Seeing their “The best way to find yourself is to lose
happiness upon receiving the gifts of food and yourself in the service of others.”
sharing some bonding time with them made the
- Mahatma Gandhi
experience extremely memorable.
8 February 2021 Issue
TCC
Bulletin
TCC HAS REVIEWED ITS
LENDING GUIDELINES
TCC is pleased to announce that it has reviewed its lending guidelines on loan
applications. Members can now submit their loan applications with fewer sureties
for an easier and faster loan approval process.
Documents required:
• Latest Month Payslip
• CPF Statement
• Notice of Assessment
• Credit Bureau Statement
* Subject to Terms and Conditions
For more information, please contact our Member Service Officers at 6319 3700 today.
TCC welcomes loan applications from
Private Driver’s Vocational License (PDVL) holders
and Contract Employees!
Terms and Conditions apply
For more information, please contact our Member Service Officers at 6319 3700 today.
The Credit Co-operative with a Heart 9
TCC
Bulletin
TCC Annual Scholarship and
Bursary Awards 2021: Apply Now!
At our 2021 Annual General Meeting, TCC will be conferring our Annual Scholarship
and Bursary Awards to our members’ school-going children. This tradition is part of
our efforts to encourage and motivate our next generation as they go through their
education journey.
APPLICATIONS ARE NOW OPEN!
SCHOLARSHIPS & BURSARIES BURSARIES ONLY
• Primary 3 to 6 students • Junior College Year 1 & 2 students
• Secondary 1 to 5 students • Polytechnic Year 1 to 3 students
• ITE Year 1 to 4 students
• University Year 1 to 5 students
Please submit the final year-end result slip for the preceding year (i.e., Primary 3
students should submit their Primary 2 year-end results; Secondary 5 students
should submit their 2020 GCE ‘N’ Level results; Junior College Year 1 students
should submit their 2020 GCE ‘O’ Level results, etc).
HOW TO APPLY
01 02 03
Collect the Complete the Submit the form. ENQUIRIES?
application form form clearly and All applications Contact our
from the TCC legibly and include must reach the
office or attachments as TCC office by 6pm
Member Services
download it from required. on 31 Mar 2021. Officers at
www.tcc.org.sg
6319 3700
ELIGIBILITY CRITERIA
• Applicants aged 16 years and above must be a TCC member to qualify.
• For applicants under the age of 16, at least one parent must be a TCC member.
• A minimum of one year membership is required for all applications.
• Ordinary members must have regular monthly contributions to their S1 Subscription account
for the past 12 months. Those with irregular monthly contributions will not be eligible unless
they have a minimum balance of $1000 in their Subscription account.
• Family & Associate members must have regular monthly contributions to their S2 Savings
account for the past 12 months. Family & Associate members who have irregular monthly
contributions will not be eligible.
10 February 2021 IssueTCC
Bulletin
UPCOMING
WALKS
For latest event details, look out for our emails or follow us on social media!
Facebook: @TCC.org.sg Instagram: @TCCcreditcooperative
GO DIGITAL WITH
TCC BULLETIN
As part of our efforts to go green, we
are making TCC Bulletin available in an
electronic version. If you would like to
opt out of receiving the printed copy and
receive TCC Bulletin via email instead, just
let us know!
To opt in for an electronic version of
TCC Bulletin, email us at mktgpromo@tcc.org.sg or scan this QR code
The Credit Co-operative with a Heart 11TCC
Bulletin
Submit your entries for a chance
QUIZ to win a pair of Golden Village
movie vouchers!
TIME!
10 winners will be announced
in the next issue.
Name: Send in your entries by 15 April 2021
By Post: 95 Killiney Road Singapore 239537
Email:
By Fax: 6737 0735
Contact No.:
By Email: mktgpromo@tcc.org.sg
Member No.: _ _ _ _ _ or NRIC (last 4 chars): _ _ _ _
Do you Sudoku? Take this quick quiz!
Complete the entire grid using the numbers 1. When was the fourth TCC trekking event held?
1 to 9. Each number can only be used once
in each row, each column and each 3x3 box. ______________________________________________
Give it a shot!
2. Private Driver’s Vocational License (PDVL) holders and
3 4
Contract Staff can now apply for financial assistance
with TCC. True/False
4718 3
89 1
3. How many households benefited from TCC’s Corporate
Social Responsibility event on 19 December 2020?
2 4 ______________________________________________
6 4 4. State the date of any upcoming walks featured in this
8 2
issue.
______________________________________________
9 27 5. Members can opt to receive an electronic version of
3 8519 TCC Bulletin as part of our efforts to go green.
True/False
6 7
Congratulations! Last issue’s answers:
Sudoku Quiz
These are the 10 lucky winners of the October 2020 issue. 48719 2 3 5 6 1. 26 July 2020
61253 8 7 9 4 2. Certificate of Disinfection
Please collect your prize by 1 April 2021. 53964 7 2 1 8
24198 6 5 7 3 3. True
• Ang Ah Goh (891A) • Quek Sok Kiow (108G) 36527 4 1 8 9 4. The third month
79835 1 6 4 2 5. Any of the following: Marriage
• Chang Yue Bee (437B) • Sit Ong Ke (162B) 85372 9 4 6 1
12486 5 9 3 7 Grant, Baby Bonus, Handicapped
• Han Seng Juan (192C) • Teo Yeow Chuan (036H) 97641 3 8 2 5 Children Fund, Annual Scholarship &
• Lee Poh Poh (511D) • Wang Cheng Ding (353G) Bursary Awards, Loyal Membership,
• Leong Min Li (000H) • Zubaidah Bte Abu Bakar (678H) Heart Check-up Subsidy,
Hospitalisation Grant, Funeral GrantYou can also read
