CDA Pagadian 2019 1st Semester Narrative Report

3. REPUBLIC ACT NO. 6939
An act creating the Cooperative Development Authority to promote the viability
and growth of cooperative as instruments of equity, social justice and economic
development, defining’s its power and functions and responsibility, rationalizing
government policies an agencies with cooperative functions, supporting
cooperative development, transferring the registration and regulation functions
of existing government agencies on cooperatives as such and consolidating the
same with the authority, appropriating funds therefor, and for other purposes.
MANDATE
Promote the viability and growth of cooperatives as instruments of equity, social
justice and economic development in fulfillment of the mandate in section 15,
Article X11 of the Constitution.
MISSION STATEMENT
To ensure the safe and sound operations of cooperatives.
VISION STATEMENT
An effective and efficient regulatory agency working towards the development
of viable, sustainable socially responsive and globally competitive cooperatives.

4. CDA QUALITY
PERFORMANCE PLEGDE
We, the officials and employees of the Cooperative Development Authority, in the spirit of the
public service, affirm our sworn duties to serve the citizen with utmost responsibility, Integrity,
loyalty, efficiency, act with patriotism and justice and lead modest lives.
Specifically, we pledge to:
1. Serve you promptly, efficiently and effectively with due courtesy, by authorized personnel
with proper identification Mondays- Fridays with no noon break;
2. Observe set service standards with written explanation for any delay in the frontline
services;
3. Provide comfortable waiting areas and frontline personnel to attend immediately to clients’
questions;
4. Provide a feedback system to assess the quality of service rendered and make Improvements,
if necessary; and
5. Respond to complaints about our services at the soonest possible time.
These, we pledge, with the goal of improving service delivery in the name of transparency,
accountability and quality service.
CDA CORE VALUES
Excellence
Giving one’s best performance and achieve the desired outcome through effective and efficient
management of resources.
Commitment
High dedication and proactive involvement in the realization of the Agency’s mandate.
Integrity
Maintain pers onal conduct, beyond reproach.
Teamwork
Working collectively and harmoniously to achieve synergy in an environment conducive to the
achievement of Organizational Goals.

5. I am pleased to present the Accomplishment Report
of the Cooperative Development Authority –
Pagadian Extension Office (PEO) for the 2019 First
Semester covering the period January to June.
This report also contained the collaborative and
coordinative efforts and actions of the PEO
workforce with the support of our partner agencies
from National Government Agencies (NGAs),
Local Government Units (LGUs), Financial
Institutions (GFIs), Cooperatives, Academe and
other stakeholders in the fulfillment of our mandate
of promoting and developing cooperatives in the
region.
The first semester was full of challenges that we have faced. But the major challenge which we
were able to hurdle, was the meager budget we have as against the innumerable tasks and
activities to be accomplished during the semester in the region and national level.
Despite of the dilemma, we embarked on a pro-active attitude in performing our mandate by
inculcating to every member of our team the Management Mantra of R and I, which means to
take innovative actions via Resourcefulness and Initiatives to accomplish our targets and
deliverables. Thus, with God’s grace and support from the partners and sectors, we are proud to
tell our story that THIS accomplishment is OUR accomplishment but much to it is by giving
back to our clientele the much deserved service with utmost integrity, honesty and sincerity as
a public servant for the betterment of the cooperative movement in the region.
Thank you to our partners who have continuously extended their support in making the sector
more viable as economic enterprise and competitive in the product produced. For PEO
employees, I commend you for the hard-worked that you have showed in achieving the targets
of the PEO despite of limited resources. May you continue explore the goodness of being a
public servant to our clienteles toward improving their lives through cooperatives.
Mabuhay ang Kooperatiba!
“The aim of the life lies in pushing your limitation always; you have successfully made this thing
possible your achievement is the result of your efforts. Give your best in the future and I wish
you achieved every success in your life.”
RUBEN L. CUNANAN, DDM, MPA
Regional Director
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6. Before registering a cooperative a Pre-Registration Seminar (PRS) has been conducted and benefitted
substantial number of potential cooperative members. For the first six (6) months, the EO recorded thirty-two (32)
PRS conducted throughout the region majority of which were conducted amongst the following groups:
a. Transport group intending to register as cooperative in order to secure franchise from the Land
Transportation Franchise Regulatory Board (LTFRB)to operate van transport service;
b. Indigenous Peoples (IPs);
c. Agrarian Reform Beneficiaries from newly created agrarian reform beneficiary organization (ARBOs);
d. Mango grower’s association;
e. Coconut marketing association;
f. Farmers and fisherfolks;
g. DepED required school cooperative to school manage canteens; and
h. Youth entrepreneurs;
The Extension Office received thirty six (36)
applications for registration and registered sixteen (16)
cooperatives. In which, four hundred sixty nine (469)
coop-members and P 2,420,000.00 paid-up capital were
added to the existing registered cooperatives in the
region.
Fifteen (15) application for amendments received
and five (5) was registered. It has also received five (5)
application for branch, one (1) was issued a Certificate of
Authority and one application for satellite was issued a
Letter of Authority.
ACCOMPLISHMENTS
Total Registered Cooperatives per status as of June 30, 2019.
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7. CDA’s vision and mission is intended to (1) ensure sustainability of all Cooperatives, (2) promote member protection
and growth and (3) support community development. Thus, in order to realize the authority’s vision and mission, various
programs and activities were implemented by the authority, hence, the reason why the Cooperative Regulatory Program
(CRP) was created and implemented.
A memorandum was issued by the CDA Executive Director dated November 29, 2018 supported with a letter from
the Department of Budget and Management dated November 27, 2018 announcing the approval of the creation of the
Regulation Division (ReD)/Regulation Section (ReS). The Division/Section was formerly known as Supervision and Examination
Unit (SEU).
The Regulation Section (ReS) has conducted various activities and projects for the 1st
semester of 2019 in order to
properly implement the CRP and ultimately achieve what was envisioned by the agency. The activities and initiatives even
goes beyond the planned program for 2019 which is necessary to supplement, properly assist and serve the cooperatives
within the region specially on the compliance of the provisions of Cooperative laws and its implementing rules and regulations.
Furthermore, in relation to the aforementioned, ReS has been continually devising strategies to increase the number
of compliant cooperatives within the region in addition to what was originally programmed. Since the Authority has
implemented new reporting schemes which was sought to improve and enhance the services to its clients, ReS has also
adopted to these changes which is the reason why new strategies and initiatives were developed while ensuring that the plans
and programs for the year are met
Cooperative inspections targeted for the 1st
semester have been met and realized with an accomplishment rate of
101.55%. Targeted evaluation and analysis of these reports was also achieved by the section same accomplishment rate.
After the evaluation of the reports, analysis were then carried out in order to take appropriate actions such as endorsements
to other sections, examinations and other related activities.
A special inspection and verification was conducted also to cooperatives registered from other region like DOK ALTERNATIBO
(DABIG C COOP) to confirm if it operates within the bounds of regulation. The result of inspection was already forwarded to
concern Extension Office for appropriate action.
Cooperative Inspection.
Innovative Accomplishment relative to inspections
One of the innovative accomplishments initiated and implemented by the Section for the semester is the creation
of an analysis tool which is used to summarize and count all the findings/observations as reported during the inspection. The
tool is utilized in order to create or formulate an analysis of the findings so that these could be properly addressed. Upon the
creation of this tool, the section was then able to stratify, analyze and recommend actions needed to be taken. The section
has been gradually taking measures in order to permanently eliminate, or if not, minimize overaged findings or non-compliance
to the Cooperative laws and regulations. Hence, as a result of this initiative, the section will now be able to accomplish the
following:
1. Endorse thru memorandums, cooperatives that needs assistance such as training
2. Endorse thru memorandums, cooperatives that requires issuance of Show Cause Order
The section had also participated in the enforcement of the compliance of the reported findings. A soft approach of
the enforcement have been implemented beginning April 2019. This was done by sending Letters reminding the Cooperatives
inspected to comply their recurring findings before any orders are issued by the authority to enforce compliance of the said
findings.
The section was also able to develop a consolidated Inspection Calendar showing all the scheduled inspections/travels
of all field CDS daily. The tool also shows progress of the actual vs. targeted inspections for the month/quarter/semester. The
tool is useful in identifying which Cooperative is scheduled for inspection and the CDS in-charge for a particular period. The
tool could also be used in identifying which cooperatives were actually inspected which is very essential in the issuance of
Special Order (to monitor which Cooperatives qualifies for re-scheduling).
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8. Cooperative Mandatory Report and Certificate of Compliance
To increase the submission of reports the Regulatory Section conducted Cooperative Forum cum Seminar
Workshop in the Easy Compliance of Cooperative Annual Reports and TIMTA Law in 5 batches with the partnership of
Ipil Community Multi-Purpose Cooperative (ICMC), Bayan ng Ipil (LGU-IPIL), Dapitan City Government (LGU-Dapitan),
Dapitan City Cooperative Development Council (DCCDC), Shrine Federation of Cooperatives, Western Mindanao
Federation of Cooperatives (WMFEDCO), Tampilisan United Farmers Multi-Purpose Cooperative (TUFMPC), Pagadian City
Cooperative Development Council (PCCDC), and ZDS Government
As a result of the forum, mandatory reports evaluated and processed is One hundred and Sixty-Eight (168)
which is more than the targeted reports required to be evaluated for the semester. Accomplishment rate is 103.07%
for the semester ended June 2019. Moreover, Certificate of Compliance issued amounted to One Hundred and
Sixty-Eight (168) which is equal to the targeted COC issuances for semester
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9. As of June 30, 2019, Out of the Two Hundred Twenty-Three cooperatives represented during the 1st
Quarter 2019
forum conducted, One Hundred Thirty-Five (135) or Sixty-One Percent (61%) of the cooperatives submitted their reports with
encoded CAPR and AFS and Ninety-Four (94) or Forty-Two Percent (42%) of the cooperatives were issued with Certificate of
Compliance.
Out of Four Hundred Eight (408) compliant cooperatives as of December 31, 2018, two hundred sixty-five (265)
cooperatives or sixty-five (65%) of the compliant cooperatives submitted their 2018 required reports to the extension office.
In relation to the evaluation of the Mandatory reports, Cooperatives were required to furnish the Authority
commitment on the findings that could not be immediately complied due to circumstances wherein the compliance requires
dependency to third parties or any other valid reasons.
Notice of Non-Compliance
As of June 2019, One Hundred Thirty-Six (136) Cooperatives out of the Four Hundred Twenty-Six (426) compliant
Cooperatives were issued with Notice of Non-Compliance due to non-submission of the mandatory reports on or before the
deadline. Although, the issuance of such notice was not targeted for the period. The issuance of the notice is expected to help
increase the compliance of the submission as soon as possible.
Annual Tax Incentive Report
While waiting for the official issuance of the Joint Administrative Order with the Bureau of Internal Revenue (BIR),
the Regulation Section have already been receiving Annual Tax Incentive Report (ATIR) from the Cooperatives and
consolidated these reports at the same time for submission to the Central Office before the deadline.
Cooperative Examination
As of the 1st
semester of 2019, two (2) Cooperatives were actually examined. These Cooperatives are: (1) Shop O’
Rama Credit Cooperative (2) Asia’s Latin City Transport Services Cooperative. Result of Examination of Shop O’ Rama Credit
Cooperative had already been communicated to the authorized recipient and appropriate actions were already taken.
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10. Other Accomplishments
The Regulation Section (ReS), on the initiative of the Regional Director, communicated and discussed to the selected
Cooperatives on their Financial Status/Health of the observations noted during the evaluation of their Financial Statements.
The Representatives of the Authority from the ReS together with the Regional Director, visited Aurora Integrated Multi-Purpose
Cooperative (AIMCoop) on June 2019 in order to discuss the findings and observations, as well as the financial analysis made
on Cooperative’s Financial Statements. The Cooperative’s key Officers and Management were present during the meeting and
shared their plans to address its financial issues.
Moreover, Representatives of the authority from the ReS had also visited Sulo Agrarian Reform Beneficiaries
Cooperative (SARBEMCO) to discuss and present the analysis made on their Financial Statements. Issues on some areas of
their operation affecting their financial health have been pointed out during the discussion. Suggestions were made out of the
discussion that took place.
Both Cooperatives expressed their appreciation to the Authority for the said activity and is committing to send
periodic updates on their operation as well as their application for amnesty to other agencies.
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11. AS TO ASSETS
(Exclusive of Land)
Total Assets as of June 2019 =
Php 8, 424, 297, 433.69
AS TO VOLUME OF
BUSINESS
Total Volume of Business for the
1st
semester ended =
Php 7, 691, 214, 868.
AS TO REVENUE
Total Volume of Business for the
1st
semester ended = Php
1,594,913,295.79
AS TO NET SURPLUS
Total Volume of Business for the
1st
semester ended = Php
226,162,620.56
AS TO MEMBERSHIP
Total membership as of June
2019 = 890,056
AS TO EMPLOYMENT
Total employment generated
As of June 2019 = 10,452
AS TO COCs ISSUED
Total COCs issued for the
semester ended June 2019 = 168
For the Semester January to June 2019
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12. The data below described the legal services rendered by Pagadian Extension Office for
January – June 2019
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13. Handholding and Technical Assistance Services
The intensity with which the CDA is pursuing full development of cooperatives specially the MSMs or Micro, Small
and Medium category is rapidly increasing and the EO is in tune with the country-wide goal of recording visible growth
among these cooperatives by providing stronger support in all aspect of their development. Director Ruben L. Cunanan has
consistently stressed the importance of this pursuit by setting stricter target and higher standard of performance. Each of
the eleven (11) field specialist was required to ensure at least two (2) coops under the micro category will graduate to
small category and at least one (1) coop under the small category will graduate to medium category within twelve (12)
months.
Hence, for the first six (6) month, the EO recorded one hundred seventy-seven (177) micro and small and thirty-
eight (38) medium and large cooperatives which were served through mentoring, coaching, cliniquing and training sessions.
Majority of such services centered on ensuring that registered cooperatives comply with submission of annual reports to
CDA and BIR, that they comply with all requirements for renewal of certificate of tax exemption, that they speedily comply
with the documentary requirements for amendments of their coop articles of cooperation and bylaws, and that coop officers
are fully informed and sufficiently trained on the laws, rules and guidelines as well as standards with which the coop is
expected to adhere.
Feedback gathered while implementing these program makes every sweat, muscle pain and extended hours of
work so much worth it. Of the 177 cooperatives given handholding services, 130 or 73% rated excellent and 47 or 27%
rated very good. And out of 38 cooperatives given technical assistance, twenty-five (25) or 68% rated excellent and thirteen
(13) or 34% rated very good.
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14. CDA-DTI PARNERSHIP IN HANDHOLDING COOPERATIVES
Serbisyo sa Barangay
On April 1, 2019 and April 23, 2019,
the CDA Pagadian Extension Office
delivered its services and programs closer
to the smallest political unit – the barangay.
This activity was dubbed as “Negosyo
Serbisyo sa Barangay” which was
spearheaded by the Department of Trade
and Industry (DTI). Farmers and
Fisherfolks of the barangays within the
Municipalities of Tigbao and Vincenzo
Sagun in the province of Zamboanga del
Sur were the beneficiaries of this program.
Future youth entrepreneurs, the
Junior Financial Executives (JFINEX) LSU
Chapter of La Salle University, Ozamis City
were also educated in cooperative
principles and practices, governance and
management and the benefits of
cooperation by the Regional Director
Cunanan during their Financial Summit on
March 22, 2019.
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15. The 2019 Gawad Parangal Program has veered away from the previous year’s practice. This year, the Authority
has decided to focus its search exclusively for the Most Outstanding Primary Cooperative.
Thus, the EO has formally launch the GPP on May 24, 2019 during its KoopBalitaan sa CDA. The launching was
graced by seventy-two (72) coop leaders representing fifty-four (54) cooperatives. These are the coops who, after initial
screening, has qualified and were encouraged to join the Search.
On the deadline of submission of entries, a total of seventeen (17) coops participated and are vying for this
prestigious Award. The Regional Screening Committee (RSC) Chaired by Ms. Windelyn Avila set out to evaluate the entries
with full support and active participation of partner agencies namely, the Department of Trade and Industry, the
Department of Agriculture, the Department of Interior and Local Government, the LandBank of the Philippines, and the
Ateneo de Zamboanga University.
After the rigorously intense evaluation process, twelve (12) has crossed beyond the minimum rating prescribed
and were scheduled for field valuation in the succeeding month, namely
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16. Cooperatives stories are replete with untold dreams, aspirations, struggles, bravery, sacrifices
and heroism. The pillars of each successful c ooperative have legacies to share which the Authority is
bent on sharing to the world through its advocacy program.
For the first six (6) months, the EO has unraveled two (2) beautiful coop story. That of the
Bidlisiw sa Kalambuan Credit Cooperative in Dipolog City and of the Timbermines Multipurpose
Cooperative (TIMMULCO) in Bayog, Zamboanga del Sur.
Their story depicts of sincere motivation to help address the need, passion to make a better
difference in the lives of the people in their community, commitment to keep going despite difficulties,
trust between leaders and members, and faith that all good deeds will be rewarded in due time.
Both coops, started from humble beginnings, nurtured by hardwork, and flourished through the
tests of time and character. Their bond was naturally strengthened through regular communication and
consultation during meetings regularly conducted. They did not forget the sweat and blood they all
invested and to whom they owe their gratitude to. While content they are not complacent, so every day
they continue to aspire for better future for their children’s children. The common trait of the leaders of
these cooperatives is aggressiveness to take bolder and riskier steps to continue growing.
Copy of these stories were posted in the official EO website at r9.cda.gov.ph purposely to inspire.
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17. Cooperative Best Practices
The visible sign of development is physical growth. While cooperatives are living up to the ideals that they are vanguards of
social justice, equity and economic development, law makers and policy developers require concrete account of the contributions
that these cooperatives are silently giving towards national development and economic stability.
That is why the CDA is also cataloguing best practices picked out by field specialist during conduct of regular coop inspection.
For the last six (6) months, one hundred six (106) cooperatives are recorded to exhibit unique, practical, efficient, and some
highly advanced practices. Some of the notable best practices are:
1. Strong linkage with national and local government through formal and informal partnership, and active
involvement in coop development councils;
2. Strong linkage with both public and private donors/sponsors local and abroad through livelihood projects;
3. Computer aided recording and report generation;
4. Employment of full-time salaried employees;
5. Continuous education among officers;
6. Trainings and skills development provided to management staff;
7. Use of surveillance camera and other similar equipment for security and monitoring purposes;
8. Giving award and recognition to members for being the most loyal patron and for most increase in paid up capital
and savings deposit;
9. Feedback mechanism in place and regularly reviewed;
10. 24/7 hotline and standby personnel to address member emergencies;
11. Life insurance coverage given to members;
12. Loan protection program;
13. Provision of annual health care assistance to members; and
14. Retirement plan for employees.
As envisioned by the framers of this program, knowledge of coop’s best practices is one way of ensuring that
law makers and policy developers will fully recognize the impact the coops have in the lives of its members, the
community and the nation.
Information and Communication Program
This program proved vital in establishing more effective two (2) way communication in order to better share
information between the Authority, the cooperative sector and other stakeholders.
The Extension Office (EO) designed its Regional Advocacy and Communication Plan (RACP) to better implement
the plans and program of the Authority this year.
In implementing the RACP, Director Cunanan ensured that the EO is equipped with the needed technology and
facilities to efficiently communicate and disseminate information across the region.
Such that despite the geographic expanse of region 9, Ninety Seven percent (97%) of information communicated
and disseminated to coop leaders and partners reached their end on time. This was made possible through the use of
available and affordable means, the print and the web and the social media.
To date, the EO has posted 6 Ads, invites, and other information in its official website and has garnered 1,401
likes on Facebook page.
Aside from digital technology, the EO likewise disseminated One Hundred Twenty (120) of CDA’s quarterly official
publication and six hundred one (601) information, education and communication materials such as the CDA Primer, leaflet
on Basic information on Cooperatives, brochure on federalism, and leaflet on Annual Tax Incentive Report.
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18. Dir. Cunanan likewise gave high credit on the effect of information dissemination through face to face
approach as it produces stronger camaraderie among coop leaders, partners and the Authority as well
as its effectiveness in addressing other concerns on the spot. Such that, two (2) KoopBalitaan sa CDA
were held within the last six (6) months, first, during the CDA Anniversary Celebration and second,
during the Launching of the 2019 CDA Gawad Parangal Program.
The first Balitaan proceeded in a talk show fashion, where 35 cooperative leaders were invited to listen
while Ms. Ellen Ando interviewed Dir. Ruben L. Cunanan, Spvsg. CDS Windelyn Avila, CDS II Ellen
L. Panong and CDS Raul Alcoran, Jr.
Dir. Cunanan along with Spvsg. CDS Avila, CDS Panong and CDS Alcoran braved the questions
raised by Ms. Ando related to the transfer of supervision from the Office of the President to the
Department of Trade and Industry, the latest cooperative statistics in region 9, recent guidelines on
Annual Report, the DILG-CDA Joint Memorandum Circular, the partnership between the Land Bank
of the Philippines and CDA for the online payment system, the success in the implementation of the
Philippine Medium Term Cooperative Development Plan (PMTCDP), among others.
During this Balitaan, the coop leaders were also given time to ask questions to the interviewees. As a
result, the time for info dissemination was fully maximized and all questions which were crucial to the
understanding and common interpretation were addressed.
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19. Accreditation Program
Fully supportive to the accreditation program of the Authority, the EO
received, evaluated and forwarded two (2) application for renewal of accreditation
as Cooperative External Auditor (CEA) and one (1) application for renewal of
accreditation as Accredited Training Provider (ATP) to the CDA Central Office
within the first six (6) months.
Another support to this program was the run through of the monitoring
tools designed as instrument to monitor the CEAs and ATPs. During the run
through with CEAs, the CRITS in-charge visited Ms. Belen R. Gellegan and Ms.
Amor T. Palma in their respective offices. For the run through with ATPs, visit was
also done with the PCO-Zamboanga Sibugay and the DAR ZDN Provincial Office.
Using the Monitoring Tool, answers were elicited, documents gathered
and reported to the CDA Central Office on time. In effect, both the CEAs and the
ATPs became aware of the periodic monitoring that will be conducted by CDA and
with it comes the need to be more organize with their documents, careful with
compliance to the standards ought to be complied with, as well as other
requirements for the continued validity of their accreditation.
Another support to this program was by ensuring that all accredited CEAs
update their records as required by CDA Central Office. This was done by sending
letters addressed to them requiring them to submit certified true copy of their
valid PRC ID, PRC-BOA Accreditation certificate and Certificate of Good Standing
issued by the Philippine Institute of Certified Public Accountant (PICPA). To date,
8 out of 20 has already complied.
The incessant efforts to increase awareness and consciousness on Gender Equality among cooperative leaders
paved the way for more gender equal policies, plans and programs among cooperatives in region 9. While our goal of
having 100% gender equality advocate coop leaders is yet a dream, this program has progressed it into becoming a
reality.
With the additional 30 cooperative officers representing 15 micro coops who has undergone the training on
gender mainstreaming in coops, more leaders are now wearing their gender lenses and are conscious of some gender
issues confronting their coops. More are now aware of the need to introduce the much-needed changes in their existing
policies and integrate the much-needed programs and activities to address those gender issues.
Gender and Development Program (GenDP)
Monitoring Of Cooperative Development
Councils
For the last six (6) months, the EO recorded two (2) meetings
conducted by the RCDC, one (1) by the PCDC of Sibugay, one (1) by the
CCDC of Pagadian City and one (1) by the MCDC of Ipil, Zamboanga
Sibugay.
Upon the reconstitution of the Regional Cooperative
Development Council (RCDC) earlier this year, its Chairperson, Hon.
George Castillo, represented it to the National Cooperative Development
Council (NCDC) regular assembly meeting and election of officers
And for the first six (6) months of his reign, he has led the formulation and implementation of the 2019 RCDC
Strategic Development Plan focusing on the following:
a. CDC Strengthening through ACTIVE COOP PARTICIPATION IN THE LOCAL GOVERNANCE (ACPLG). This
platform is intended to secure for coops membership in the local development council so that coop concerns
will be duly represented for local legislations;
b. Strategies to implement the DILG-CDA JMC. To lobby with the LCEs and Chairman of the Committee on
Cooperatives in the Local Sanggunian so that LGUs will create its Coop Development Office and designate
its Officer.
c. To lobby with the local Sanggunian for the strict implementation of the exemption of cooperatives from the
payment of local taxes and the limit of the imposable charges and fees for coops;
d. Holding of a Regional cooperative summit;
e. Capability building program for local coop development officers in the region;
f. Information / advocacy on the creation of CSF Coops in the provincial and city level;
g. Coop’s concern for Environmental Protection and climate mitigation program through (1) Development of
nature’s park and watershed; (2) Tree planting; and
(3) Clean-up drive.
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20. The Provincial Cooperative Development Council (PCDC) Zamboanga Sibugay, also headed by Hon. George Castillo, fully
supported the said 2019 Strategic Development Plan during its 1st
quarter regular assembly meeting.
On April 23, 2019, the newly elected Chairperson of the Pagadian City Cooperative Development Council (PCCDC), Mr.
Loy Cañales, GM of the ZAMSURGEA MPC, called for regular Council meeting and invited CDA to discuss on vital updates
concerning cooperative development in the City. Amongst the topics discussed was the creation of a Credit Surety Fund (CSF)
Cooperative. Believing in the viability of the CSF initiatives, Mr. Loy Cañales is now actively pursuing the initiatives toward the
organization and registration of a CSF Coop in the City.
On June 11, 2019 regular meeting, the Municipal Cooperative Development Council of Ipil, Zamboanga Sibugay, discussed vital
issues confronting cooperatives in the area, and resolved that: (1) cooperatives properly and fully utilization their respective
Community Development Fund (CDF); (2) Cooperatives to apply for accreditation with the Local Government Unit as member of
the Local Special Bodies such as the Local Development Council (LDC), and the Local Disaster and Risk
Reduction Management Council (LDRRMC); (3) cooperatives pursue trainings to be attended by officers and members such as
mandatory, GAD and livelihood trainings; (4) cooperatives create their own DRRM Committee; (4) participate in the 9th
National
Tripartite Conference; (5) cooperative submit their profile to CDA; and (6) undertake Social Development activities for their
members and community.
Cooperatives Concern For Community Program
Cooperatives in region 9 are now adept in addressing their communities’ concern for the environment. For the last six
(6) months alone, Specialist on field already recorded thirty-five (35) coops implementing their social development plan relating
to environmental concerns. Common activities that were undertaken are tree planting in mangrove areas, tree planting for water
shed development, tree planting for forest conservation, proper waste segregation and management, clean-up drive in canals,
river side, and sea side, and organic farming.
The Cooperative Project Development and Assistance (CPDAS) was tasked to implement the Program and Project
of the Agency thru linkaging, collaboration and coordination thru partner agencies with program on cooperative development.
One of the Cooperative Development Program that we are implementing is the Koop-Kapatid Program. This program has
to reinforce a strategy in the provision of technical assistance to the identified cooperatives which were not able to comply
with the mandatory reports required by the CDA through strengthening partnership with successful cooperative and to apply
the internationally accepted principles of cooperation among cooperatives.
 1 Koop-Kapatid (Big Brother and Small Brother ) Orientation conducted on March, 2019
 1 big brother and one (1) small brother. MOA signing was done last June 7, 2019
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21. 1. Product Development and Packaging Design and simple Business Plan Preparation.
2. Monitoring of the increase of volume of business transaction and found that: SASCOFAMCO's increase of volume for
copra sale was Php421,760(per FS ended December 31, 2018) while BICAGROW's volume of cacao sales was Php99,405
(per manager record book)
3. Endorsed to DTI for business advisory: The BICAGROW availed the MENTOR ME program and the Product Development
and Packaging Design from DTI-NC while SASCOFAMCO attended the simple Business Plan Preparation as part of
technology intervention. With this, they are able to enhance their packaging and post their produce to their personal
Facebook account as marketing strategy. Participated the DTI Trade Fair at Zamboanga City and at Mibang Hotel,
Dipolog City under National Cacao Growers Summit.
Also for this program, we had assisted two cooperatives set up loan window for productive needs of entrepreneur-
members. SASCOFAMCO offered special loan to finance farmer-member in harvesting their coconut, they then buy the coconuts
produced by the members. BICAGROW offered Cacao Seedling Loan, providing cash to buy cacao seedlings to replace those
that did not survive.
To further strengthen cooperatives as Business Enterprises, forty-five (45) cooperatives were oriented on Financial
Inclusion. It is expected that these cooperatives will have access to useful and affordable financial products and services that
meet their needs that are delivered in a responsible and sustainable way.
Another program of the Agency is the COOP-SEED wherein we partnered with the Department of Trade and Industry
in the implementation of the project. For the remaining three (3) months we were able to accomplish the following:
17

22. Another on-going project of the agency dubbed as MPN CDP or Mindanao Peace
and Normalization thru Cooperative Development Project. In our continuing monitoring of
the Eight (8) Cooperative Beneficiaries, we have received a positive feedback of the mini
mobile rice milling that the agency had awarded plus the livelihood fund amounted to Two
Hundred Fifty Thousand Pesos (Php250,000.00). Accordingly, it has a great impact to the
operation of the cooperative wherein this project contributes a big help to their member in
terms of milling services accessibility and the rate of the milling per kilo plus it cuts the cost
of freight and transportation of their produce in bringing to the local millers. Thus, they are
expressing their big thanks to the CDA for bringing this kind of project in reality.
.
MINDANAO PEACE AND NORMALIZATION
THROUGH COOPERATIVE DEVELOPMENT PROJECT (MPN-CODE)
Collaborative activities with Department of
Agrarian Reform (DAR)
Conduct seminar-workshop on
Cooperative Financial Management and
Analysis cum simplified accounting and
bookkeeping to pre-identified Agrarian Reform
Cooperative in partnership with the Department
of Agrarian Reform
18

23. On March 18, 2019 the section was fully
functional with a Senior Cooperative Development
Specialist, CDS II and CDS I personnel complement.
The section initiated two (2) orientations
conducted last April 23, 2019 and May 24, 2019
during the Pagadian City Council meeting and
KoopBalitaan cum Launching of Gawad Parangal,
respectively.
In Region 9, only one (1) CSF existing and
established in Zamboanga del Norte. Initially, the
CSF conducted an oversight committee meeting last
May 31, 2019 to plan out CSF orientation from CDA
Central Office and from Bangko Sentral ng Pilipinas
to clarify some issues and concerns pertaining to CSF
supervision and registration under CDA. The
orientation is set on the 3rd
Quarter of July, 2019
Food Processing conducted by DOST to Fatima Fishermen
Cooperative
Cooperative products that were enhanced through collaboration of
different government agencies:
Lumbog Agrarian Reform Beneficiaries and
Farmers’ Cooperative
Del Monte Coconut Farmers
Credit Cooperative (DELCOFACCO)
Promotion of Cooperative
product through facebook
19

24. With the utmost aspiration to achieve in a
more satisfied external and internal clientele and with
the adoption of 5S housekeeping standard, the work
environment has improved and paved the way for
more productivity among its workforce.
The office acquired 13 new office tables
which were distributed and used by the Admin Staff
and Personnel for a more conducive and comfortable
workplace. The office arrangements were also
reorganized to replace unserviceable office units and
equipment. It is also to accommodate give space to
the new personnel and staff who were added to the
CDA-PEO working force
Planning/Assessment/Monitoring Of Accomplishment
To improve performance and achieve the desired results the approved 2019 Work plan containing the plans, programs
and activities for the year was thoroughly discussed during the February 11-12, 2019 staff conference.
Accomplishments were regularly monitored on a monthly basis to immediately address any problem in the execution of the
workplan. Any variance was discussed during monthly ExCom meetings to come up with strategies to address the same.
Audit Observation
We are proud to report that during the exit conference with the Commission on Audit resident auditor last March
6, 2019, the EO was issued only 4 minor audit observations recommending for adherence to the guidelines on
disbursement.
Feedback System
The CDA Pagadian Extension is utilizing client’s feedback, both positive and negative, in measuring not only client’s
satisfaction but also the efficiency and professionalism exerted by every employee while providing services to clients.
For the 1st
semester of 2019, there were 293 feedbacks received from the clients who experienced the services
provided by the office. 284 or 96% out of 293 clients whose needs were addressed, 61 or 20% gave positive comments,
in this wise:
1) I am satisfied the way CDA entertained the client;
2) Very friendly and accommodating, excellent in rendering services and advises;
3) All transactions are fast and good, the office is well organized and staff are approachable and friendly;
4) Advices and services are offered/given in a very effective and excellent way;
5) All are courteous, sana lahat ng agencies ganito.
6) The morale of CDA personnel is very high since there is no negative feedback received from the client.
20

25. It is really inevitable that calamities and fortuitous events are way
beyond our hand. Man can never predict nor can never see when these
events will occur. As such, there is no other key in facing such than to have
a knowledge and preparedness when these events come.
It is within our knowledge that this office had faced a tragedy when
a conflagration burst out in its former leased building at Cerilles Building last
October 28, 2017. Thus, to prevent any other circumstances, the office
conducted a Fire Drill and Evacuation Preparedness Exercises last March
21, 2019, to equip and prepare the personnel and staff in cases of fire and
basic evacuation procedures in cases of calamities.
The event was attended by 25 persons, whom 20 are coming from
the CDA-PEO personnel and 5 were coming from the Bureau of Fire
Protection who conducted the seminar and drill. The drill started with a
seminar staged at the 3rd
Floor of the Bance Building, where the office is
currently occupying. Basic and standard procedures were discussed on
how may a fire start and how to put it out. The personnel were also
apprehended on what, where and how to commence an evacuation during
a fire breakout or any other calamities.
The activity then proceeded to the City Oval, where the personnel
are then faced for an actual fire apprehension. With the use of the fire
extinguisher and a long wet cloth, CDA personnel successfully took the fire
out from a barrel full of water with kerosene where the fire is burning. It is
really indeed heartwarming to feel the assurance being able to be equipped
with the knowledge and Standard Operating Procedure (SOP) when these
uncertain events occur. As the saying always goes by, “Prevention is better
than cure”.
)
21

26. Learning new things is beneficial at any age, and any kind of learning can benefit other aspects of
your life. Thus, the office during its 20th
CDA Regional Staff and Planning Conference held last February
11, 2019 at Ariana Hotel, Dipolog City, conducted a seminar/orientation on Civil Service Omnibus Rules
on Appointments and Other Human Resource Action (ORA-OHRA) with its resource speaker no other
than the Regional Director of CSC-IX, Dir. II Jerry N. Mayormita. Hence, it focuses on the functions, laws
and procedures on Human Resource actions, from the appoint, transfers, resignation or retirement, and
other alike matters which are within the purview of the law.
To ensure full awareness if not mastery on the Performance Rating Procedure and Standards of
Performance Assessment, all personnel were oriented on the Approved Strategic Performance
Management System (SPMS).
Another activity was conducted during the 21st
CDA Regional Staff and Planning Conference last
June 24, 2019 at Roxan Hotel, Pagadian City. The extension office invited a resource speaker coming
from the DTI in the person of MS. Arzel Keren Grace Ariosa to discuss about the DTI P3 (Pondo sa
Pagbabago at Pag-asenso). The project highlights the financial assistance and support to the micro and
small cooperatives. With the said program, the personnel were taught and informed on the opportunities
for the above coops for a financial borrowing bearing with a small interest designed to help them in their
financial capability to enhanced and develop their services. As such, this is a great opportunity to the coop
sector that must be delivered by the field personnel to their respective handled coops. To improve the
working relationships and team productivity, a team building was incorporated in the conference.
22

27. Other Seminars/Trainings/Workshop Attended by employees
Newly Hired and Promoted Employees
For the 1st
semester of 2019, 3 new employees joined the existing work force and 3 employees
were promoted for their exemplary performance.
23

28. Statement of Financial Performance Summary
Total Revenue 36,797.50
Total Operating Expenses 3,784,068.32
Financial Assistance/Subsidy 3,429,253.18
Surplus (Deficit) for the Period - 318,017.64
Statement of Cash Flow Summary
Total Cash Inflows 10,584,301.88
Total Cash Outflows 10,568,926.43
Cash Provided by (Used in)
Operating Activities 15,375.45
Cash Provided by (Used in)
Investing Activities -
Cash Balance Ending, June 30, 2019 20,040.00
Statement of Financial Position Summary
Current Assets 3,834,632.80
Non-Current Assets 1,451,895.23
Total Assets 5,286,528.03
Total Liabilities 725,443.10
Total Net Assets/Equity 4,561,084.93
Total Liabilities & Net Assets / Equity 5,286,528.03
24

29. The Journey to a million miles begun..
In 1992, our country suffered an economic crisis. There was
a spiraling increase of price of prime commodities, yet no increase in
salaries and wages of government employees. For ordinary employees
it was difficult to provide the basic needs of the family with that given
situation.
Mrs. Conchita Aleluya-Sucaldito, Municipal Social Welfare and Development Officer, a mother of four young children,
suffered the unbearable financial difficulty. She shared her burden to Mrs. Melly Galambao-Madamba, the Population Outreach
Worker and Development Officer of the municipality. After the sharing, both women agreed to invite other employees through
a Tea Party on June 1992. The invitation was done verbally and on a piece of scratch paper posted in their office doorstep
and in the stairways. On the scheduled time and venue of the party, twelve (12) out of fifteen (15) who were invited, came.
The first meeting was only brief. They just shared their financial problem and referred their plan to form a group that
will mutually help each other by contributing One Hundred (Php100.00) Pesos every month as their capital to purchase the most
needed items by the members of the group. The purchased items will be divided among the members with profit margin of five
(5%) percent to be paid every month.
One month later, the group met again. They elected their manager and secretary/ treasurer. Melly G. Madamba was
elected as Manager and Conchita A. Sucaldo was elected as Secretary /Treasurer. As agreed, the members gave One Hundred
(PHp100.00) Pesos. Only ten (10) members from the LGU employees were able to give their initial contribution.
The total initial capital contribute by the abovementioned members was one thousand (PHp1,000.00) pesos and that
was purchased with One (1) box detergent bar called Aktif. The soap was divided among the ten members according to their
needs. Every pay day, the members contributed one hundred (PHp100.00) pesos as their additional capital plus payment of the
total goods received with 5% interest. The said process was successfully done every month thereafter. Later on other LGU-
employees were attracted to join the group.
In 1995, the membership of the group increased from ten (10) to forty-one (41) active members. An assembly meeting
was meeting was called on July 1995 to inform the members that the group should be officially registered with the Cooperative
Development Authority (CDA) in order to have its legal identity. In that said meeting, there were Board of Directors elected of
whom among them were
Chosen the Chairman and Vice Chairman of the Board. The Secretary,
Manager/Treasurer and Bookkeeper were appointed.
The Timbermines Multi-Purpose Cooperative (TIMMULCO)
was officially registered on September 12, 1995 with the Cooperative
Development Authority with CDA Registration No. PAG 1135-95. This
is the humble beginning of TIMMULCO.
Nine years after being close-type cooperative, TIMMULCO
opened its door to the community to fulfill the task in reducing the
incidence of poverty in its midst and curtail in no small measure the
loan sharks’ operation in the community and to look forward to a
wider horizon of services that TIMMULCO can provide its members.
25

30. For 24 years of existence, TIMMULCO stayed on the right track following the Cooperative values and Principles in
its operation, its total assets grew more than PHp166 Million Pesos with 5,933 proactive Members spread out in the
Municipalities of Bayog, Lakewood, Kumalarang, Tigbao, Dumalinao, Guipos and Pagadian City, within the province of
Zamboanga del Sur and Municipalities of Buug, Diplahan, Malangas, Imelda, Alicia, Siay and Ipil, within the Province of
Zamboanga Sibugay.
The operation of the coop has tremendously increase in terms of asset growth, high liquidity, lower delinquency, high
operational self-sufficiency and profitability which guaranteed TIMMULCO’s stability and sustainability.
Timbermines Multi- Purpose Cooperative (TIMMULCO) has been practically taking part in shaping our local
economy particularly in terms of providing accessible and multifaceted services and in creating job opportunities that made
significant contributions to various sectors of the community.
TIMMULCO has always risen to so many challenges even as it celebrated its 24th
year of existence. It constantly
thrives and achieve indelible mark of success through the (1) Good Governance exemplified by the Board of Directors, (2)
Solidarity of the Members, and above all, (3) Grace and faithfulness of the Almighty God. These are the pillars of strength
which propelled TIMULCO even in the arduous journey towards its dream to make all Members enjoy better quality of life.
TIMMULCO officers and management are working hard to generate a new growth for TIMMULCO. Every
single effort is geared at ensuring that dedicated services are provided directly to its Members on a timely manner. It is
also specifically designed to reach the lower levels of the countryside, and the disadvantage groups in every barangay to
brand TIMMULCO as partner of the government for building resilient and empowered communities towards a better and
stronger Philippines.
TIMMULCO’s net income as of End-December 2018 increased by 26% to P5.078 million from P4.07 million in
2017. This translate to a Return on Equity of 9.4% which remains above the latest inflation rate & within the regional
trend. The net loan portfolio expanding significantly by 28% or more than P125million. Its net income could have been
higher due to the significant growth in loans.
Attribute the increase in income and total assets of TIMMULCO is growth in membership which surged by
29% to 5933 at the end of 2018 from 4598 in 2017.
TIMMLCO’s deposit grew significantly by 12% to reach P101 million from P90.6 million as member’s deposits
increased. Share Capital also increased by 9.3% to P39.4 million from P36 .1 million. The loan delinquency significantly
decreased to 7.2% by the end of 2018.
TIMMULCO’S steady growth in deposits and share capital contribution from Members who invest their trust
to TIMMULCO that lead to zero external borrowing as the year ended in 2018. This gives us the privilege and opportunity
to continue to be a channel of greater financial service to our Members and possible higher rate of return of Member share
by 2019.
TIMMULCO continue to focus on achieving its strategic goals to sustain excellent financial service to its
Members through its efficient and cost-effective operations , maintenance of a substantial portion in its loan portfolio
for priority sectors and in the next five years TIMMULCO will fuel economic activity in the rural and agricultural areas
by providing financial and technical services to farmer/members through integrated and sustainable farming model,
agribusiness, rice milling ,trading and marketing , and its support to development programs of the government.
As we advance to more successful years ahead, TIMMULCO is geared for some big moves in 2019. This
would mean bolder initiatives coupled with a strong faith in God’s providential care and mighty power as well as
goodwill.path to progress. With TIMMULCO’s success story is the profound lesson that there is no elusive dream in the
task of building hopes, creating better lives and empowering the Members and their families towards the achievement of
the genuine socio-economic progress among the country’s marginalized rural communities.
The success of the organization clearly underscores the cooperative’s services which are responsive to
the Member’s needs in various ways and situations; the kind that brings comprehensive and sustainable benefits to
Members that is the reason for the TIMUUMLCOs commendable achievement and strong community presence for more
than two decades.
When PASSION and
PERFORMANCE UNITE.
TIMMULCO achieved exceptional result in 2018 by achieving
improvements in its key performance indicators:
Based on audited figures, TIMMULCO total assets grew to
P166.1 million at the end of 2018 from P150.5 million in 2017
which increased by 10%.
26

31. TIMMULCO’s Best Practices
VIPs
TIMMULCO treat each member with utmost care. The officers believe that open communication and close camaraderie between
officers, staff and members are vital to its success.
Transparency
Welcomes periodic and unannounced audit and is proud of its complete and update bookkeeping and accounting systems. As
critical factor of coop’s success, financial records among others are kept and secured but always available for members to
examine.
SELF DISCIPLINE
Despite the amount of work and the number of members it is serving, Timmulco maintained clean and orderly workplace
conducive to receiving and servicing member’s needs on a daily basis.
FLEXIBILITY
The competitive advantage of TIMMULCO is the attitude of flexibility enshrined among its officers and staff. While they have
established plans and programs to be implemented, everyone is encouraged to be bold in expressing innovative ideas and practical
solutions, even mundane and inane ones, which may lead to another breakthrough.
COMPASSION
Learning that some members are working out to generate funds to pay off the mortgage to their agricultural land (rice paddies)
while others are desirous in acquiring their own for agricultural production purposes, but has no visible means to do so, Timmulco
opened the land redemption and land acquisition loan program providing reasonable and acceptable repayment scheme.
COMPETITIVENESS
A healthy competition among members was encouraged through the TOP CBU CONTRIBUTION OF THE YEAR award. It started
ten (10) years ago by giving Certificate of Recognition and goods in the amount ranging from Two Thousand (P2,000.00) to One
Thousand (P1,000.00) and has since encouraged continuous increase in capital.
PATRON LOYALTY
To encourage loyal patron, Timmulco has for Five (5) years now been giving TOP PATRONIZERS OF THE YEAR award to coop
members for regularly availing of coop services and prompt payment. Awardees were given Certificate of Recognition and goods
in the amount ranging from Two Thousand (P2,000.00) to One Thousand (P1,000.00). This scheme has since helped reduce
delinquency rate.
CARING FOR CHILDREN
TIMMUCOL consistently support the Adopt-A-School program of DepEd by giving school bags, school supplies and slippers to all
enrolled children of the chosen school. This noble endeavor has unintentionally fueled the curiosity of many who thereafter
become members of Timmulco.
LOVING MOTHER NATURE
Creating better future for our children today, TIMMUCOL support the environment protection program of the government by
sustaining the proper waste segregation and continually nurture the trees which were planted in 2012 in Bayog, Zamboanga del
Sur.
EXCELLENCE
Timmulco’s leaders observed integrity, transparency, equality and accountability and ensure regular conduct of monthly board
meetings, annual budget review, business planning, internal and external audit, annual report and annual general assembly
meetings.
27

32. CONTINUOUS EDUCATION
Continuing education of its officers and employees were the priorities to ensure that TIMMULCO’s human capital are equipped
with core competencies and greater knowledge of the business operation.
BOLD INNOVATIONS
Coming out of its safety zone, TIMMULCO took another bold step to establish an Integrated Farming and Eco-friendly Agriculture
for Economic and Environmental Security. It purchased a 6 hectare agricultural land at Mahayahay, kumalarang, Zamboanga del
Sur on December 10, 2018, to house the learning center for farmers to learn more about eco-therapy organic farming, livelihood
opportunities, job generation to further the culture of entrepreneurship in agriculture and other intervention needed by the
member/farmer.
Another milestone in 2018 is the purchase of one-unit commercial building at the National Highway, municipality of Buug,
Zamboanga Sibugay, on December 8, 2018. This area will be utilized into a Pet (polyethylene terephthalate) Bottle Manufacturing
Plant intended to serve the need of the Small and Meduim Enterprise needing plastic bottles, in Region 9.
Sourse: Timmulco Coop Profile, 2019 Gawad Parangal Entry
Re-written by: Ellen M. Ando
Motivated by the able leaders of the sponsoring institutions, the group decided to boldly take a step of faith in hope to
secure a better future for their children by engaging in livelihood activities. When they were fully convinced that only through
their combined efforts will they be successful, they started pooling out their meager resources, used it as start-up capital and
began extending commodity loan among themselves.
After series of consultative meetings, micro financing was opened then followed with the granting of regular and
multipurpose loan.
Seeing positive results, the members were more eager to support their cooperative by continuously patronizing the
services offered and religiously paying their obligations.
The officers see to it that meetings are conducted every month to report the progress of their business by presenting
and discussing the Manager’s Loan Delinquency Analysis Report and Loan Delinquency Action Plan, the Treasurer’s cash flow
updates and the bookkeeper’s financial analysis report. Member’s commitment and participation strengthened as they seen the
impact of their cooperation.
BIDLISIW SA KALAMBOAN CREDIT
COOPERATIVE STORY
Bidlisiw Sa Kalamboan Credit Cooperative in Dipolog City bonded through
the initiatives of the Mindanao Resource Institute for Community Empowerment
(MINRICE), Inc. and its partner, the ChildFund Japan.
Their community involvement through the projects sponsored by the partner
institutions opened them to many opportunities and broadened their perspective
especially in dealing with the daily struggles in life.
28

33. As the coop continue its journey to be self-reliant, their officers vigorously worked harder yet voluntarily with their
genuine commitment to manage the coop.
Having been indoctrinated by the MINRICE, Inc. and ChildFund Japan, they likewise pursued continues education and
capability enhancement activities by attending CDA mandated training and seminars conducted mostly by the Institute o f
Cooperative Studies of the MASS SPECC Cooperative Development Center in partnership with the Aloran – Oroquieta – Dipolog
Cluster of Cooperatives.
As the coop maintained a healthy business operation, they were able to acquire computer units which provided easy
access to documents and data, among others.
@ 5 years, Bidlisiw cooperative acquired land at the prime location within an area of 610 square meters debt free. How
did they do it? They simply agreed to contribute P 400.00 per member since 2014. Sound easy? It was not, but the undeterred
determination to generate the necessary funds make it happen some 2 years later.
With this feat, they are now working that in the next couple of years, Bidlisiw coop will erect its own business edifice.
Recently, they were a proud recipient of the appreciation given by the ChildFund Japan emphasizing that out of 27
cooperatives initiated and supported by ChildFund Japan (CFJ) in the entire Philippines, Bidlisiw is number 1 on business
performance, number 4 on Capital, and number 1 on Net income.
Also, their active involvement with the Dipolog City Cooperative Development Council and the ZDN Provincial Cooperative
Development Council spur the interest of COOP NATCCO which later on gave Bidlisiw due recognition for its exemplary
performance.
As its programs and services expanded, the coop has, at present, 9 purely committed leadership helms which introduces
innovations, strategies, programs and policies to spur development of cooperative, earning for them a total asset of Php
3,909,867.53 as of August 31, 2018 and religiously complied with the regulatory requirement imposed by CDA on provisioning
for probable loan losses.
To date, the cooperative also ventured into marketing services by helping its members thru its special agricultural loan
program, wherein members are allowed to borrow money for pesticides, fertilizers and other farm inputs and to pay the
cooperative with their produce (rice & corn), which the coop then mills and sells back to the members.
Other services includes:
1. Medical and Dental Check-up
2. Funding of production of
Information &
Communication Materials
Coop Advocacies includes:
1. Anti-Drug Campaign
2. Disaster Preparedness
3. Climate Mitigation
29

34. CDA PAGADIAN EXTENSION OFFICE
ORGANIZATIONAL AND OPERATION STRUCTURE
30

35. Cooperative Development Authority
Pagadian Extension Office
2nd
Floor, Bance Bldg., Urro St., San Jose District, Pagadian City
Hotline: (062) 925-0181
(062) 214-1398
Telefax: (062) 925-0221
Smart: 09109198244
Globe: 09773730039
Website: http//r9.cda.gov.ph
Email Address: r9@cda.gov.ph
Facebook Page: CDA Region 9 Pagadian Extension Office