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Bvcoop mod1

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  • 1. Birmingham Village Striving for a Better Future Happiness
  • 2. HAPPINESS Problem Free Financial Stability Business/ Investments
  • 3. Business/ Investments Savings Loans
  • 4. Philippine Population 2013 98,734,798 12th most Populated Country 1.38% of the World’s Population The country's poverty incidence is at roughly 30%, which means about a third of the nearly 100 million Filipinos subsist on less than 100 Pesos a day.
  • 5. The Philippines has been in a boom and bust cycle for several decades now. We have failed to achieve the necessary GDP growths to bring us to developed nation status relative to other East Asian nations. 8 percent growth of South Korea in the last 50 years Double-digit growth rates of China in the last 20 years Philippines: 2007 - 7.3 % growth. Average of 3 to 5 % growth
  • 6. Education Reform Transparency in Government Stop PATRONAGE POLITICS Infrastructure Development Priority Development Environmental Protection MORE IMPORTANTLY: CHANGE THE WAY PEOPLE THINK ON HOW THEY SHOULD LIVE!!!
  • 7. Always Remember “We are BORN to be RICH and HAPPY. God CREATED us to praise Him for His wonderful Creations, not to CURSE and BLAME for our
  • 8. BEST RESPONSIBLE MINDSET Cause a breakthrough Inspire others to take Action Create a new Outlook Explore Possibilities VICTIM MINDSET WORST Resist/Complain/Blame Look for Validation of Interpretations Enroll others in Negativity False Alignment/Sabotage
  • 9. RESPONSIBLE MINDSET Make it Happen Things Happen Because of YOU Find Solutions Embrace it! Acknowledge Reality Wait and Hope “I Can’t” Personal Excuses Blame Others VICTIM MINDSET Things Happen To YOU
  • 10. Business Essentials Risk Capital Manage ment PROFIT
  • 11. Sole Proprietor Partnership Corporation Cooperative
  • 12. Capital RISK Management Sole Proprietor PROFIT
  • 13. Capital RISK Management PROFIT
  • 14. Capital RISK Management PROFIT
  • 15. Capital RISK Management PROFIT
  • 16. Cooperative Corporation Management Capital RISK Management Capital RISK
  • 17. Minimum Investment Active Participation Limited Risk
  • 18. Are my efforts enough? THINK THINK ABOUT IT… ABOUT IT… Where will my efforts end? Is there another WAY? Can I afford my own Business? Why should I join a cooperative? Can me and my family benefit from it? How can this help build my family’s future?
  • 19. Resources Needs Limited Limited Limited Limited Limited COMMON
  • 20. MEMBER OWNED
  • 21. MEMBER CONTROLLED
  • 22. Members: Who use their services or purchase their products. Owners: Who Benefit from their owned Enterprise.
  • 23. Promote the fullest possible participation in the economic and social development of all people. A major economic force in developed countries and a powerful business model in developing ones.
  • 24. The United Nations estimated in 1994 that the livelihood of nearly 1Billion people, was made secure by co-operative enterprise. These enterprises continue to play significant economic and social roles in their communities.
  • 25. 160.8 million 75.8 million 7.29 million 97.6 million 40.6 million In ASIA, 382.09 Million people are Coop members The Philippines – one of the Lowest in Asia
  • 26. We must together exploit this rare and great opportunity to move our country forward and upward. Let us set our differences aside and focus on what we have in common. We are but one people, have but one country and one future, and no more time to waste. Ramon R. del Rosario Jr. PHINMA
  • 27. Pre-Membership Education Seminar Cooperative History The earliest form of Cooperative in Philippine History is the Agricultural Marketing Cooperative formed by Dr. Jose Rizal in Dapitan. It left no much record having assumed to have died with his execution in 1896. Rural Credit Act 2818 Cooperative Marketing Law Commonwealth Act 116 Farmers Cooperative Marketing (FACOMA) 1947 Philippine Non-Agricultural Cooperative Law of 1957 Agrarian Reform Code RA 6389 of 1969 PD 27 and PD 175 (on Martial Law) Cooperative Code of the Philippines RA 6938 of 1986 (Corazon Aquino) Philippine Cooperative Code RA 9520 of 2009 (Gloria Arroyo)
  • 28. Pre-Membership Education Seminar What is a Cooperative? A Cooperative is a group of people with a Common Bond, working together to achieve a common goal. A Cooperative strives to make the lives of each member more progressive. A cooperative is an autonomous and duly registered association of persons, with a common bond of interest, who have voluntarily joined together to achieve their social, economic and cultural needs and aspirations by making equitable contributions to the capital required, patronizing their products and services and accepting a fair share of the risks and benefits of the undertaking in accordance with the universally accepted cooperative principles. RA 9520
  • 29. Pre-Membership Education Seminar Universally Accepted Cooperative Principles: 1. Voluntary and Open Membership – open to all without discrimination. 2. Democratic Member Control – equal voting rights. All members can participate and are accountable.
  • 30. Pre-Membership Education Seminar Universally Accepted Cooperative Principles: 3. Member Economic Participation – members contribute to, & democratically control the Capital of their Cooperative. 4. Autonomy and Independence – self-sufficient, self-help, controlled by all members in a democratic way.
  • 31. Pre-Membership Education Seminar Universally Accepted Cooperative Principles: 5. Education, Training and Information – provides necessary training to members; to contribute effectively for their development. 6. Cooperation among Cooperatives – working together with Local, National, Regional and International.
  • 32. Pre-Membership Education Seminar Universally Accepted Cooperative Principles: 7. Concern for Community – work together for the sustainable development of their community.
  • 33. Pre-Membership Education Seminar Why do Cooperatives enjoy tax exemption? Republic Act 9520 (Philippine Cooperative Code of 2008) “It is the declared policy of the state to foster the creation and growth of cooperatives as a practical vehicle in promoting self-reliance and harnessing people power towards the attainment of economic development and social justice.” -It is for this reason that Cooperatives enjoy Tax exemption privileges.
  • 34. •Credit Cooperative : is one that promotes and undertakes savings and lending services among its members. •Consumer Cooperative : is one the primary purpose of which is to procure and distribute commodities to members and nonmembers. •Producers Cooperative : is one that undertakes joint production whether agricultural or industrial. •Marketing Cooperative : is one which engages in the supply of production inputs to members and markets their products. •Service Cooperative : is one which engages in medical and dental care, hospitalization, transportation, insurance, housing, labor, e lectric light and power, communication, professional and other services. •Multi-Purpose Cooperative : combines two (2) or more of the business activities of these different types of cooperatives.
  • 35. •Advocacy Cooperative : is a primary cooperative which promotes and advocates cooperativism among its members and the public through socially-oriented projects, education and training, research and communication, and other similar activities to reach out to its intended beneficiaries. •Agrarian Reform Cooperative : is one organized by marginal farmers majority of which are agrarian reform beneficiaries. •Cooperative Bank : is one organized for the primary purpose of providing a wide range of financial services to cooperatives and their members. •Dairy Cooperative : is one whose members are engaged in the production of fresh milk which may be processed and/or marketed as dairy products. •Education Cooperative : is one organized for the primary purpose of owning and operating licensed educational institutions.
  • 36. •Electric Cooperative : is one organized for the primary purpose of undertaking power generation. •Financial Service Cooperative : is one organized for the primary purpose of engaging in savings and credit services and other financial services. •Fishermen Cooperative : is one organized by marginalized fishermen in localities whose products are marketed either as fresh or processed products. •Health Services Cooperative : is one organized for the primary purpose of providing medical, dental, and other health services. •Housing Cooperative : is one organized to assist or provide access to housing for the benefit of its regular members who actively participate in the savings program for housing. It is co-owned and controlled by its members.
  • 37. •Insurance Cooperative : is one engaged in the business of insuring life and property of cooperatives and their members. •Transport Cooperative : is one which includes land and sea transportation, limited to small vessels, as defined or classified under the Philippine maritime laws. •Water Service Cooperative : is one organized to own, operate and manage waters systems for the provision and distribution of potable water for its members and their households. •Workers Cooperative : is one organized by workers, including the self-employed, who are at the same time the members and owners of the enterprise. Its principal purpose is to provide employment and business opportunities to its members . •Other types of Cooperatives : as may be determined by the Authority.
  • 38. Organizing Cooperatives
  • 39. Pre-Membership Education Seminar How to form a Cooperative: 1. Get Organized – minimum of 15 persons. Determine Common problems/Basic needs. Categorize type of Cooperative. Form initial dedicated Core Group of People to get things moving: - Organization and Paper works. - Membership, Finance, Executive, Secretariat Committees 2. Reserve Coop Name – Cooperative Name Reservation Request Form. (CNRRF) To be submitted to Cooperative Development Authority. (Reservation Fee)
  • 40. Pre-Membership Education Seminar How to form a Cooperative: 3. Economic Survey – Statement describing the structure and purposes of the proposed Cooperative. - Area of Operation - Size of Membership - other data 4 . Cooperative By-laws – Rules and Regulations of the Cooperative.
  • 41. Pre-Membership Education Seminar How to form a Cooperative: 5. Articles of Cooperation – name, purpose, term of existence, area of operation, names of the Cooperators, Common Bond of Membership, Directors, Share Capital and Bond of Accountable Officers. 6. Treasurer’s Affidavit – At least: - 25% of Authorized Share Capital must be subscribed. - 25% of Total Subscription must be paid. - Paid-up Capital must not be less than PHP 15,000.00
  • 42. Pre-Membership Education Seminar How to form a Cooperative: 7. Pre-membership Education Seminar – Mandatory (RA 9520) From training provider. With a Certificate of PMES. 8. Registration – 4 copies of each: Economic Survey, AOC, By-laws, Surety Bond of Accountable Officers, Treasurer’s Affidavit, Approved CNRRF, Certificate of PMES.
  • 43. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: Cooperative as a Socio-Economic Enterprise: “There are two sides of the same coin” 1. Association of People 2. Enterprise -not one or the other.
  • 44. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: “There are two sides of the same coin” Association of People: A cooperative is formed by individuals seeking for solutions to their economic needs. These individuals realize that on their own, they cannot satisfy these needs but by associating with others with the same needs, they can fulfill the same by combining resources and working together. Their means to do this is by putting up a:
  • 45. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: “There are two sides of the same coin” Business Enterprise: That they themselves own and patronize. This is why people joining a cooperative who are called members are also considered its owners and users. As in the coin, members have to fulfill their responsibility, both as owners and as users.
  • 46. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: Both Owners and Users dual Character of purpose: Important in preserving the essence of the Organization. When an Organization moves away from that essence, to that extent; moves away from being a Cooperative.
  • 47. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: It is equally important that members identify closely with the group; or they feel that they belong to it. The common bond of interest is an important element of membership in a cooperative. Because people share the same interest, by reason of occupation, affiliation and other social factors that bind them together can also identify more easily with the same purpose.
  • 48. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: As an Association of People, it has also a social purpose, which is to improve the lives of its members.
  • 49. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: Purpose of the Cooperative: As a Business Enterprise, the cooperative has an economic purpose, which is to meet and satisfy the economic needs of its members.
  • 50. Pre-Membership Education Seminar Nature and Purpose of a Cooperative: Purpose of the Cooperative: The Cooperative has to achieve both purposes at the same time. Not one or the other. Not one as a priority over the other. When a cooperative provides members with needed products and services, it should also ensure that these products and services contribute to their well being and ultimately, to the improvement to the lives of the people and the community.
  • 51. Pre-Membership Education Seminar Success and Failure of a Cooperative: Members are key to the success or failure of the Cooperative. -When they are not engaged as owners, they will not develop a real sense of Ownership. They will not feel responsible and will be disinterested in the affairs of the Cooperative. -When they are treated as mere clients, they will treat the Cooperative like any other provider of goods and services, patronizing the business only when it suits them.
  • 52. Pre-Membership Education Seminar Success and Failure of a Cooperative: Members are key to the success or failure of the Cooperative. -Without member support, the Cooperative cannot succeed. It becomes a profit oriented enterprise, seeking its own survival in the open market. - It is therefore important to understand the Cooperative Philosophy from the perspective of members.
  • 53. Pre-Membership Education Seminar Cooperative Philosophy: “Help oneself through the Cooperative and through the Cooperative help others.” In other words, an individual who thinks of joining of a Cooperative should first understand that it is not a Charitable Institution or a Business Organization that is there simply to lend money or sell goods and services. It looks at him or her as a person with real desire to help oneself. Not only to meet one’s immediate economic needs, but also to improve one’s life in the long run. One joins the Cooperative precisely because he or she has limited means and resources. It is these little resources that a member invests with other members to form the capital needed to run the business they can all benefit from.
  • 54. Pre-Membership Education Seminar Cooperative Philosophy: The Cooperative is an Association of People. When members put money into the Cooperative. -buying shares -making deposits -paying loans -buying goods & services They provide the Cooperative with the financial means to help others as well. This consciousness must be real to members. This is what Real Cooperation means: To join and work with others for the good of one and all.
  • 55. Pre-Membership Education Seminar Cooperative Philosophy: The meaning of the two sides of the coin: 1. Help oneself. 2. Help others through the process. 1. Financial Capital on Enterprise side – in the form of shares, deposits and other forms of borrowing. 2. Social Capital on Association side – The people who are equally important. “Social Capital are Networks, norms and trunks that enable participants to act together more effectively to pursue shared objectives.”
  • 56. Pre-Membership Education Seminar Cooperative Philosophy: It can be measured by the amount of trust of its individuals. It shapes the quality and quantity of society’s social interactions. It is the weave that holds them together.
  • 57. Pre-Membership Education Seminar Cooperative Philosophy: Social Capital: In a Cooperative, it comes in the form of Group Identity, Shared Values, Mutual Trust and Volunteerism. (These are mostly seen in new Cooperatives, when they still have little Financial Capital.)
  • 58. Pre-Membership Education Seminar Cooperative Philosophy: Most Cooperatives with little or no Social Capital or diminished Social Capital while growing their Financial Capital will most likely not succeed in the long run. Without this Social Capital, a Cooperative will never prosper. Cooperatives like these are mostly gone now or have otherwise failed to develop. Unfortunately, this Social Capital gradually diminishes as Cooperatives grow their Financial Capital. This is a mistake! SOCIAL CAPITAL = BUSINESS
  • 59. Pre-Membership Education Seminar Cooperative Philosophy: A cooperative must always remember its purpose: It must strive to satisfy the needs of its members. It also must improve the lives of its members. Not one over the other. Members also need to play their role and responsibility to help oneself and help others. This is the way to preserve a Cooperative’s Social Capital.
  • 60. Advantages of Cooperatives: 1. Easy to form: The formation of a cooperative society is very simple as compared to the formation of any other form of business organizations. Any 15 adults can join together and form a cooperative. The procedure involved in the registration of a cooperative is very simple and easy. No legal formalities are required for the formation of cooperative society.
  • 61. Advantages of Cooperatives: 2. No obstruction for membership: Unless and otherwise specifically debarred, the membership of cooperative society is open to everybody. Nobody is obstructed to join on the basis of religion, caste, creed, sex and color etc. A person can become a member of a society at any time he likes and can leave the society when he does not like to continue as member.
  • 62. Advantages of Cooperatives: 3. Limited liability: In most cases, the liabilities of the members of the cooperative is limited to the extent of capital contributed by them. Hence, they are relieved from the fear of attachment of their private property, in case the coop suffers financial losses.
  • 63. Advantages of Cooperatives: 4. Service motive: In a Cooperative, members are provided with better goods and services at reasonable prices. The society also provides financial help to its members. It assists in setting up production units and marketing of products and small businesses.
  • 64. Advantages of Cooperatives: 5. Democratic management: The cooperative is managed by the elected members from and among themselves. Every member has equal rights through its single vote but can take active part in the formulation of the policies of the society. Thus all members are equally important for the Organization.
  • 65. Advantages of Cooperatives: 6. Stability and continuity: A cooperative cannot be dissolved by the death insolvency, lunacy, permanent incapability of the members. Therefore, it has stable life and continues to exist for a longer period. It has a separate legal existence. New members can join and old members may quit but the coop continues to function unless all members unanimously decided to close the same.
  • 66. Advantages of Cooperatives: 7. Economic operations: The operation carried on by the cooperative is economical due to the eliminations of middlemen. The services of middlemen are provided by the members with minimum cost. In the case of cooperatives, the recurring and non-recurring expenses are very less, thereby minimizes selling prices.
  • 67. Advantages of Cooperatives: 8. Surplus shared by the members: The society sells goods to its members on a nominal profit. In some cases, the coop sells goods to outsiders. This profit is utilized for meeting the day-to-day administration cost of the society. The procedure for distribution of profit that some portion of the surplus is spent for the welfare of the members, some portion kept reserve whereas the balance shared among the members as dividend on the basis of this purchases.
  • 68. Advantages of Cooperatives: 9. State patronage: Government provides special assistance to cooperatives to enable them to achieve their objectives successfully. Therefore, they are given financial loans at lower rates. The government also extends many type of subsidies to cooperatives strengthening their financial stability and sustainable growth in future.
  • 69. Benefits of Joining: 1. Savings for the Future: Being a member of a Cooperative ensures that you are able to save for your retirement, and guarantees you and your family a brighter future.
  • 70. Benefits of Joining: 2. Financial Education: Bringing up a better way of thinking financially. You will have a better outlook in the way you think and see money. You and your family as well shall look at finances in a better light than before.
  • 71. Benefits of Joining: 3. Access to Premium Goods and Services: The Cooperative aims to provide quality goods and services to improve the lives of its members and community at reasonable and affordable prices.
  • 72. Benefits of Joining: 4. Provident and Economic Loans: Being a member of a Cooperative entitles you to savings, loans and other financial services for your economic and personal needs whenever you need them. As a member, you are given a priority over other prospective clients.
  • 73. Benefits of Joining: 5. Security and Stability: As a co-owner with the responsibility to make certain that the business operations are profitable and protected, you are sure that your investments are secure and growing in the right direction.
  • 74. Benefits of Joining: 6. Training and Education: You are entitled to improve your skills in business management, organizational administration and other forms of education to make you a more useful and better person and part of society.
  • 75. Benefits of Joining: 7. Social Integrity: As part and principle of the cooperative, you are not only improving financially but also socially and as part of the community. Your social network grows and you see yourself not just a person striving to succeed, but a part of a group with the same vision and purpose.
  • 76. Benefits of Joining: 8. Higher Purpose: Not only you improve economically and socially, being part of a stable Organization frees you up from the worry of day to day necessities. You can now develop yourself and align with your life’s true purpose.
  • 77. How to be a member: Birmingham Village Development Cooperative 1. Pre-membership Education Seminar (PMES): What is a Cooperative? What is it’s purpose? What are the Principles? How does it work and operate? What are my benefits? What are my responsibilities?
  • 78. How to be a member: Birmingham Village Development Cooperative 2. Fill-up Application Form: Members data – Capital Subscription – Savings Mobilization – Your personal Information Your Investment Your Pledge to save regularly for the Future.
  • 79. How to be a member: Birmingham Village Development Cooperative 3. Pay a One Time Membership Fee: PHP 100.00 (One Hundred Pesos) Refundable once membership is not approved.
  • 80. How to be a member: Birmingham Village Development Cooperative 4. Make your investment: PHP 500.00 (Five Hundred Pesos) Equivalent to = Five (5) Shares 1 Share = 100.00 Pesos
  • 81. How to be a member: Birmingham Village Development Cooperative 5. Pledge your Subscription: Fifty (50) Shares = PHP 5,000.00 Your Subscription shall be the amount of shares you undertake to save for a certain period. Members who have Fully paid their subscription (50 shares) shall be regarded as REGULAR MEMBERS.
  • 82. How to be a member: Birmingham Village Development Cooperative Regular Members Completed 50 shares subscription. Not delinquent in any payment. Have the right to vote in General Assembly. Have the right to vote in Regular and Special Elections. Have the right to run as Board of Directors.
  • 83. How to be a member: Birmingham Village Development Cooperative Fifty (50) Shares = PHP 5,000.00 Savings Mobilization Program: Minimum of PHP 100.00 per month Can be upgraded at any time. Can save more than your monthly savings due.
  • 84. How to be a member: Birmingham Village Development Cooperative Every Fifty Shares Bought PHP 5,000.00 Issuance of Certificate of Share Capital -Proof of Investment -Can be sold to the Coop or other members at par value. -Can be used as collateral. -Guaranteed investment for the future.
  • 85. How to be a member: Birmingham Village Development Cooperative Once you completed your subscription, you can opt to subscribe to any amount of shares by filling up a: Share Subscription Investment Form Or you can just continue saving monthly by payment and filling up a Savings Capital Deposit form Maximum Savings = 2000 Shares = 200,000.00 Pesos
  • 86. Duties and Responsibilities of a member: 1. Pay the installment on capital stock subscription as it falls due (as stated in the Capital Build-up Program) and participate in the capital build-up of the cooperative; Regular Savings ensures you a better future. It also guarantees the development of the Cooperative’s Business. More Opportunities, more livelihood, more growth.
  • 87. Duties and Responsibilities of a member: 2. Patronize regularly its business. You are Part-Owner and Part User. It is your responsibility to patronize the Cooperative’s Business Ventures.
  • 88. Duties and Responsibilities of a member: 3. Participate in its parliamentary affairs; You own this business. You must have a concern about how it is run and in what Direction it takes. Remember: Social Capital is as important as Financial Capital for a Coop to survive and grow. 4.Attend the membership meetings, regular or special; Take part in the Cooperative’s businesses. Make your Vote count.
  • 89. Duties and Responsibilities of a member: 5. Obey the rules and regulations provided by The Philippine Cooperative Code, this By-laws, the decisions of the General assembly and the Board of directors, policies and decisions that may be promulgated by the Cooperative Development Authority.
  • 90. Duties and Responsibilities of a member: 6.Promote the aims and purposes of the cooperative, the success of its business, the welfare of its members and the cooperative movement as a whole. It is Your business Your money Your future on the line. What happens to your investment, whether it grows or it diminishes, is totally in your hands. Who would want his/her business to go down?
  • 91. How to save? I do not know how to save!!! I do not earn enough for me to save!!! I am afraid for the security of my savings!
  • 92. How to save? Typical Personal Savings: XSavings Income – Expenses = Superior Savings: Income – Savings = Expenses -Francisco Colayco, Founder of the Colayco Foundation and KSK (Kalayaan sa Kakapusan), author of “Pera Mo palaguin Mo”(Wealth Within your Reach)
  • 93. Typical Savings: Income = PHP XXXX.00 E X P E N S E Remaining Amount Almost always = 00000
  • 94. Superior Savings: Income = PHP XXXX.00 Subtract first the amount you want to save! Remaining Amount E X P E N S E
  • 95. Example: Five Hundred Pesos (500) per Salary What can you buy for PHP 500.00? 500 /15 days = 33 pesos per day… PHP33 / day PHP 500 / payday One time Family meal at a mall. One pack Cigarette. One movie ticket + snacks. One 1.5 L Softdrink One time shopping for snacks at the grocery. One Regular Load One buy one take one Burger & Drink.
  • 96. 500 a month??? Save for your future. Pooling Resources for…
  • 97. It’s just a matter of Outlook and the way you see your Life and Finances. (Improving the lives of it’s members….)
  • 98. • Residents of Birmingham Village Homeowners Relatives Boarders / Renters • In Direct Relationship Having business here Close Friends Share the Good news… Contribute to the dream towards development.
  • 99. Successful Cooperatives… Tayabas Community Multi-Purpose Cooperative Quezon Province February 1965 – 25 members/150 pesos. Credit to Farmers… NOW, 2 Branches -Financial Services -Banking Services -Remittance Services -ATM Services -Agri-Trading Business -Health Care Services/Pharmacies -Transport Services -Funeral Services
  • 100. Successful Cooperatives… Saints Peter and Paul Multi-Purpose Cooperative HINUNANGAN, Southern Leyte 1968 – PHP 836.00, 36 Original members Coconut Farmers = contributed 25 coconuts each NOW, Total Assets = PHP 105 Million Over 2,000 members -Credit Cooperative -2 Storey Hotel -Rice Milling -Quasi-Banking -Health and Fitness Facility
  • 101. Successful Cooperatives… Novaliches Development Cooperative NOVADECI Quezon City 1970’s Slaughterhouse Forclosed by GOVT. Susano Market Vendors (15 members) PHP 7,000.00 initial Capital Used their Homes as Offices (no money) NOW, -Owns many multi-storey Buildings Offices -More than PHP 881 Million Assets (2007) -PHP 180 Million Paid-up Capital (2007) -Awardee as Best Coop by the LBP and CDA many times. -Financial, Health, Mutual Benefit, Loan, Housing, Pharmacy, Educational Services -Tree-planting, dental/medical missions Livelihood Charity Projects etc.
  • 102. There are 22,000+ registered coops in the Philippines last 2012 Cabuyao Market Vendors Multi-Purpose Coop. CAMAVEMCO Cabuyao Natl. High School Personnel MPC Cabuyao Upland Farmers Multi-Purpose Coop. CUFAMPCO Mamatid,Festival Mall Transport Coop MAFESTCO NXP Cabuyao Employees Multi-Purpose Coop.
  • 103. Building and joining Cooperatives… Shared Resources Shared Risks Shared Responsibilities One Vision One Goal One Team For our Community and Country’s Success and Future.
  • 104. Do you want to alleviate you and your family’s life? This?... Or this !!!... You always have a
  • 105. Prepared by: Jayumaster