Board of Directors
The dedicated leaders who guide Margem Credit Cooperative with integrity and vision.
Juan Dela Cruz
Chairperson
A founding member of Margem Credit Cooperative with over 20 years of experience in community development and financial management.
Maria Santos
Vice Chairperson
A dedicated community leader and advocate for financial inclusion, serving on the board since 2010.
Roberto Garcia
Secretary
Brings extensive experience in cooperative governance and record-keeping to the board.
Ana Lim
Treasurer
A certified public accountant with 15 years of experience in financial management and auditing.
Carlos Reyes
Board Member
A long-time member and active volunteer in cooperative activities and community outreach programs.
Elena Torres
Board Member
An educator and financial literacy advocate who joined the board in 2018.