“To be a Vital Catalyst Towards Prosperous Local and Global Christian Community”

1. Nasaan Tayo Ngaun?

2. Kayo-kayo o kami-kami …
Economic Instability …Poverty…
Greed, Uneducated, Dependency
Syndrome, Laziness, Undisciplined
life, Ignorance Lifestyle, Walang Plano
para sa Future…

3. Saan tayo Papunta ?
2 or 3 or 5 yrs from now ?
Ikaw? Ang pamilya mo?
Nasa Dios and awa,
Nasa tao , ang gawa…
James Says:
“ Show me your faith… but I will
show my faith With ACTION “

4. Papaano tayo Makararating Doon?
God's Providence / ACTION… bayanihan
Spirit
, Synergy, Damayan, Kaagapay, spirit of
volunteerism/ Cooperation/
belongingness/ Commonality -
KOOPERATIBA

5. Acts 4:32-37
The Believers Share Their Possessions All the
believers were one in heart and mind. No one
claimed that any of their possessions was their
own

6. 1 Thessalonians 4:11-1
"... and to make it your ambition to lead a quiet
life: You should mind your own business and
work with your hands, just as we told you, 12 so
that your daily life may win the respect of
outsiders and so that you will not be dependent
on anybody. "

7. Prov 24:27
... Prepare yourself outside, get everything
ready.. before you build your house...
... Establish your business first,...ready in the
field before you build your house..

8. Oikos Christian Network Cooperative – The Making !
WHAT : Kooperatiba ( Oikos Christian Network Cooperative )
WHO : Primarily - Pastors of Christian community in Valenzuela
Secondary - Pastors and Church Members
Thirtiary - Non-christians, non-members local and global
WHERE: Valenzuela City, head office
WHEN : nov 25, at 2 pm , official from Cooperative development
{
Authority or CDA conducted PMES or Preliminary
Membership Seminar
Operation : January 2012
Status:
BOD and Management Staff Officially Formed | Documentation on
Process | Seed capitalization on-going |

9. The Vision
“To be a Vital Catalyst Towards Prosperous Local and Global
Christian Community”
The Mission:
" Creating a Culture of Social Capitalism, Entrepreneurial
Spirit, People Empowerment and Self-dependency, Developmental
and Transformational Breakthrough in Achieving Quality of Life”
The Motto:
“ Moving Towards Innovations and Global Competitiveness”
The Core values:
"We Uphold the Great Commission, Commitment to Responsible
Poor Society, Relationship and Respect, Integrity and
Significance, Self-discipline and Stewardship, Competitiveness and
Excellence"

10. Now Let’s Educate Our Filipino Christian Community!!!
What Is A Cooperative? As per CDA definition:
A cooperative is a duly registered association of persons
with a common bond of interest, who have voluntarily
joined together to achieve a lawful common social or
economic end, making equitable to contribution to the
capital required and accepting a fair share of the risks
and benefits of the undertaking in accordance with
universally accepted cooperative principle.

11. Origin:
Kibbutz Community – 17th-16th BC Babylonian
Rule
Developed: 18th-19th century AD –
England, UK, Germany
1892 – Jose Rizal in Dapitan, Zambo, Del Norte
February 11, 1914 became Act 2508 in RP.
With Gov. Sandiko who passed the bill , earned
a title of Father of Cooperation in this country.

12. 1930 onwards – Filipino goes to Germany
( Methodists )
1938 – Rev. Allen Huber of Church of Christ
created a church-based cooperative history in
Ilocos Sur.
1960 - Catholics responded to the call of the
Vatican
Pentecostals ??? Where are we?

13. PURPOSEs:
1..
Maging financially stable ang bawat members ng
Christian community local man o national o
maging global para sa pag sustain ng bawat
pamilya at kani-kaniyang ministry ginagampanan
ng mga pastor at members nito sa pamamagitan ng
pagtatag ng viable cooperative, sustainable at
productive.

14. 2.
People Empowerment. Mapakinabangan ng bawat
Christian entrepreneurs o ng bawat mamamayan
na magiging members ang malaking benipisyo ng
Kooperatiba sa ating gobyerno. Pakinabang sa
kanyang socio-economic life, pag-angat ng quality
of life, at advantage for Mission ng Cooperatiba sa
pamamagitan ng transformational programs na
itataguyod ng Kooperatiba sa bawat magiging
members

15. 3. Financial Intelligence – the science of making money.
Matutuklasan ng maaga ng bawat kabataan ang kahalagahan ng
pag-iimpok para sa kanyang kinabukasan, maging responsable
sya sa kanyang sarili at maging independent social entrepreneur
pag dating ng araw. At sa mga magulang at micro-
entrepreneurs, matuklasan nila ang susi sa pag angat ng
kabuhayan at maiwasan ang mga dahilan ng kahirapan.
“ Knowing the difference between assets and liabilities | understanding cashflow|!
Balanced Sheet is imbalanced..
2 out 0f 10 Filipino saves – worst scenario…and at times these 2 savers use to
“dipping into savings”
Income minus Tithes – Expense = Savings XXX !!!
BUT Income minus Tithes minus Savings = Expense

16. 4.
At dahil ikaw ay kasama sa kooperatiba, ang perang ma
invest mo kahit maliit ay kikita ng malaki at
permanente dahil lahat ng pedeng maging business
income ng cooperatiba ay kabahagi ka, di tulad ng pera
mo sa banko na inde ka kasama sa income ng mayari
ng banko, ito ay sapagkat ikaw ang may-ari ng
kooperatiba, benepisyo ng gobyerno sa lahat ng
Pilipinong kooperatiba.

17. THEREFORE, sa unang taon ng ating existence, inde
tayo magpapautang, tayo ay mag-nenegosyo!!! ... We
will Create Money first, before we Borrow Money.
Prov 24:27 -Prepare yourself outside, get everything
ready.. before you build your house...
The BOD| Management staff | Chairman of
Committees will GO and mobilize your share caps
, husbanding, chanelling and diversifying the coop's
assets into productive investments for growth results.
However, my plan B is this: Should there be funds coming from government
Banks, big cooperative lending institutions and be approved, that funds will be
the source of our borrowing or micro-financing program integrated into our
Cooperative long-term goals. Portions will be allocated to the missions, ministry
and transformational program of the coop such as Kaagapay , where pastors and
their families shall be benefited through medical insurance or hospitalizations
Almost Free including Philhealth insurance subsidy.

18. 5.
At kung ikaw ay pastor, the COOP will give
you an honor ... The “Kaagapay Program” will
Support YOU.
1 Timothy 5:17, "Let the elders that rule well be counted worthy of
double honor, especially they who labor in the word and
doctrine".

19. II. GOALS / OBJECTIVE: ( matatalakay sa Economic Survey )
a. Ang pagtatag ng Kooperatiba
ay tutulong sa mga members na
economically-poor to acquire loans , invest
savings, earn yearly dividend as income -
likas sa isang Pilipino Kooperatiba, help
establish and own business, enjoy benefits
, etc.

20. b. Ang Coop na maitatatag ay may
pangunahing business na itatayo tulad ng
mini-grocery stores, micro-businesses like
coffee vending machines, sari-sari store
, market vendors lending, computer center
etc. may minimal investment lang pero less
maintenance at walang hardworks, no
employees and income is long-lasting. may
FS tayo jan sa mga yan.
We call this “ DIVERSIFY” …
( ang member ng COOP ay discounted sa
Computer shop , free services like
massage, free coffee, free BP, free legal
counselling on-site, order goods on-site, etc.

21. c. Ang totoo, pede namang tayo maki member
nalamang sa existing cooperatives sa ating syudad, My
answer is NO, we need to use this Cooperative as an avenue
to viral the gospel and disciple the community, create a
change and transformational impact to our community. This
COOP willwas founded by pastoral community and one of
its missions is to honor all pastors and their families as
stated in Kaagapay program.

22. d. Aking tatalakayin
ang Kaagapay program once na
approved ang Coop ng CDA.
But to boost the moral of the members, our “Kaagapay” will usher
Us through an inhouse family insurance, death, hospitalization,
Disabilities, maternity, etc.

23. II. PROCEDURES:
a. Itatatag ito ayun sa
provision na nakasaad sa CDA

24. b. Kasalukuyang pina- process ang
docs. Hopefully, ito ay maaprove ng January.

25. c. Tayo ay may sapat na kakayanan
para magtagumpay dahil isa na tayong
community sa ating simbahan, madali at maagap
nating maitataguyod ito, madami network ng
christians ang nais sumama or sumasama dito
dahil ang Christian Cooperative ay may
Christian touch ang opisina at day-to-day
operation nito, makikinabang una na ang mga
pastor at kapamilya nito, maging ang kanyang
mga meimbro.

26. d. Bakit Consumer Cooperative ang aking suggestion? Sapakat
pede tayong mag business ( sari-sari store, coffee vending
machines, market vendors lending, etc ) or mag Micro-financing sa
mga members ( lending goods ) . Ito ay isa sa aking expertise na
pede kong maitulong sa kooperatiba at bawat kasapi nito. Pedeng
magpahiram ang mga banko ng gobyerno para sa proyekto ng
financing ng isang cooperatiba, o any cooperative financing
institutions or any grants / donations at may maasyos po tayong
Feasibility Studies dito. Sa mga programang ito - makakatulong sa
bawat members na makapag loan, makapag savings, maka avail ng
free family insurance at makapagtayo ng negosyo ang bawat
members ng kooperatiba para sa kanyang pagpapaunlad ng buhay

27. E. Ang may-ari ng cooperatiba ay ang mga
members nito. Kaya pag kumita ang Coop after
a year, lahat ng income ng COOP ay paghahati-
hatian ng bawat members accordingly. Kumita
ng 5-6% per annum ang savings, kumita pa ang
Share Cap mo sa LAHAT ng negosyo ng COOP

28. F. Upang mabilis na ma promote, maging competitive
at mabilis ang paglago - we need to be locally and globally
competitive, via a website that will cater christians locally and
globally, they can register online, save online, borrow online using
the Coop’s bank account and membership can be done online.
Transactions can be off-line or on-line. Mablis ang growth kasi
pedeng online registration / transaction. Kasalukuyang gumagawa
na tayo ng website na may hosting service para sa financial aspect
ng COOP. gagamitan ng Paypal at Credit card ang site. Ang
accounting system ay online and off-line using the power of Google
Docs. Updates and day-to-day operation can be visible
online, updates, via e-mail, contact phones, fax, FB and blogs.
Interview on membership can be done online, credit investigation
and updates can be done online and real-time. We will create a Fan
page, tweets integrated into the website, free legal counselling
online, virtual membership, online promotion via SEO, we will
position the website on the 1st page and top 1 of Google for more
visibility and rapid growth.

29. POINTERS sa isang Kooperatiba: ( Isasama sa By Laws )
1. Ang address ng kooperatiba o opisina ay malapit
sa Karuhatan Hi-way kung saan sentro ng ating Cell
groups, busines meetings, banking transactions on a
daily basis and accessible to people. Uupa tyo ng kahit
maliit lang na may maliit na rental habang ang COOP ay
start-up pa lamang. Isang opisina at doon na din ang
sari-sari store pansamantala. The store’s market are those
members of cooperative and the public .

30. 2. Ang BOD ng cooperatiba , the management staff
and officers ay mag sisimula ng operation ng
January. The BOD shall serve for 2 yrs term or 6 yrs
but not 3 consecutive terms as prescribed by the
CDA Articles of Kung nais po nyo na makita ang set
of officers or structures, Articles of Cooperation, By
– Laws and Economic Survey at FS ng
Kooperatiba, mangyari lang po na ibigay ang
inyong email addresses sa amin or you can email
me so I can response with attachments or text me
your emails so I can send the files.
Mine is lovephileo@yahoo.com.ph
Contact # 0949-504-9885

31. 3. Ang membership ng kooperatiba ay maaaring 200 pesos lamang
bilang new primary member . Subalit ang Share Capital ay maaaring 2,000
bawat minimum share, pede bayaran ng installment basis. Subalit ang BOD ay
merong at least 3 shares. Ang bawat members ay pedeng manguha ng 4 or
maraming share kung nais mong mas malaki ang investment mo or capital para
malaki ang pakinabang o tubo ng iyong pera. subalit ; As per CDA rules
" no member shall own or hold more than10 percent (10%) of the total
subscribed share capital of the Cooperative.

32. 4. Ang bawat members ay may optional savings component any time at any
amount at itoy tutubo ng 5-6% per annum. Ang banko ay nagpapatubo ng
1% per annum. Ang micro-finance ay 3-5% per annum. Pinakamataas sa
kooperatiba base sa rules and regulation ng CDA as far as i know. Subalit
ito ay maaaring ma-withdraw ng members anytime .
Take Note :
Tatlong klase ang savings na pedeng gawin ng COOPeratiba, isang savings na
withdrawable anytime at isang savings na non-withdrawable through micro-
financing at isang term deposits na pedeng mag earn ng 5-8% per month but
the minimum should ne 5K. The commercial bank’s interest sa term deposits
ay ranging from 3-5% per month. This non-withdrawable savings are
mobilized for coop businesses and can earn interest more than the bank’s
interest rate.
Take Note: Under the Cooperative Code of 2008 R.A. 9520, the deposits from
members of the cooperative is not subject to the 20% withholding tax.

33. 5. Ang Cooperative ay hindi saklaw ng
Central Bank, SEC at DTI. Tayo po ay hawak
lamang ng Cooperative Development Authority
o CDA.
Subalit tayo ay kelangang mag file ng
license sa municipyu at mag file ng business tax
sa BIR sa halagang 500 pesos lamang.
Definitely, tayo ay Cooperatiba kaya tayo ay tax-
exempt at ang ating mga businesses na
itataguyod lahat ay tax-exempt.

34. 6. Ang konsepto ng cooperatiba ay
pagtutulungan, cooperasyon, pakikisama, the
word " SYNERGY " o " Social Capitalism "
pagsasama ng lakas at tiwala, skills, pwersa para
ma attain ang common goals, pagkakaisa na
maiangat at makatulong ka sa kapwa mo may-ari
ng kooperatiba.

35. 7. Libreng serbisyo medical like BP, free
legal counselling, casual massage, free
cofee, discounted on computer shops, etc. Ito ay
ilan lamang projection na pedeng ipatupad ng
ating prospective cooperative. libreng scholar
grant sa indigent studes, relief operation
, feeding programs, cell group planting, at
isang araw ang ating opisina o property ay
ipagagamit natin ng libre sa christian
communities - mga projection ng ministry ng
coop. at Ang bawat member ay may
Indentification Card.

36. 8. Ang opisina ng cooperatiba ay maaaring gamitin para sa cell
group meetings, at ang lahat ng kasapi ng kooperatiba ay may
quarterly na pagtitipon na gaganapin para sa kanyang sama-
samang fellowship at community services since this is a
Christian Cooperative, may transformational or value formation
content ang ating cooperatiba. Ipatutupad natin ang Mandate ng
Great Commission, Matthew 28:18-19…ito ay pangungunahan
ng Transformational Committee.
Sa January 2012, ang atin pong community ministry ay Community
Disaster Training and Operation. Ang Values Formation Council ng
PNP sa Crame under CEO Dr. Nicolas Amatorio at ang kanyang
police staff ay mag conduct ng 1 day training sa atin upang sakaling
dumating ang baha at sakuna, tayo na ang COOP na ang mag rescue
sa tao, tayo ay pagkakalooban ng mga rubber boats, gadgets, etc.

37. 9. Sa pagbubuo ng kooperatiba, ang lahat na
nagkakaisa na may bilang na 8 founding
cooperators – Sila ay nag appoint ng
management staff : Gen.
Manager, Sec, Trea, Auditor, at Management
commitees

38. 10. Benefits of a Cooperative: Funds can
generate income and net profit shared by
members every end of fiscal year. Money is
secured in a bank through a Checking
Account/joint account that needs at least 3
signatories.

39. 11.
Subsidies, donations, legacies, grants, aids and
such other assistance from any local or foreign
institution whether public or private
,raffles, fund-raising activities,

40. Prepared by:
Ptr. cris
Secretary:
The final BoD Members are listed below:
SisJane Leal
Treasurer:
Chairman of the Board:
Sis. Joan Fernandez
Ptr Cris Magno
Auditor :
V-chair:
Ptr. Carling Dinglasan
Bookeeper:
Ptr. Hernan Lumawig
Members:
Store Personnel/cashier:
Ptr Rene Sebastian - vice-chair of Ethics
sis. Irene Brillon
committee
Collection Personnel:
Ptr Rodel Roldan
Sis. Leslie Banel
Ptr Mike Brillon
Mediation| Conciliation chairwoman:
Ptr Alvin Banel
Attny. Joharah Lou Pac
Ptr. Jose Magkawas
Community Service Chairman:
Ptr Paul Cajucom
Ptr. Jing estudillo
Transformational Chairperson:
Ptra Del Villanueva | Ptra Lolit
Management Staff and Officers:
Dinglasan
Gen. Manager :
Ethics Committee chairman:
Ptr. Eman delos Angeles
Ptr. Art Araza