The document summarizes the San Dionisio Credit Cooperative in the Philippines, which with over 15,000 members and $60 million in assets is considered the largest cooperative in Asia. Founded in 1961, the cooperative has provided over $250 million in loans to members and views its main goal not as economic achievements but as developing the community and its people.
Local and national elections take place in Ireland to elect representatives. In local elections, citizens vote for members of town and county councils who make decisions on local services. In national elections, citizens vote for members of parliament called TDs to represent them in the Dáil, where they debate and vote on issues like social, economic, and financial policies. Votes are counted after election day and the candidates with the most votes in each constituency are elected.
Technology has changed business in several ways: it allowed for increased productivity and mass production in manufacturing during the Industrial Revolution; it made entertainment more widely available and affordable in the 20th century; and today automation and robots have further increased efficiency in manufacturing. Technology has also revolutionized retail and office work through personal computers, electronic point of sale systems, and email communication.
The document summarizes the San Dionisio Credit Cooperative in the Philippines, which with over 15,000 members and $60 million in assets is considered the largest cooperative in Asia. Founded in 1961, the cooperative has provided over $250 million in loans to members and views its main goal not as economic achievements but as developing the community and its people.
Local and national elections take place in Ireland to elect representatives. In local elections, citizens vote for members of town and county councils who make decisions on local services. In national elections, citizens vote for members of parliament called TDs to represent them in the Dáil, where they debate and vote on issues like social, economic, and financial policies. Votes are counted after election day and the candidates with the most votes in each constituency are elected.
Technology has changed business in several ways: it allowed for increased productivity and mass production in manufacturing during the Industrial Revolution; it made entertainment more widely available and affordable in the 20th century; and today automation and robots have further increased efficiency in manufacturing. Technology has also revolutionized retail and office work through personal computers, electronic point of sale systems, and email communication.
Surat keputusan ini menetapkan susunan pengurus Ikatan Alumni Akademi Ilmu Pelayaran Indonesia cabang Makassar periode 2004-2009. Surat keputusan ini mengangkat beberapa nama sebagai pengurus beserta jabatannya masing-masing dan mengatur hal-hal terkait tugas dan tanggung jawab pengurus.
This document provides information about Future Trade Indojaya Sdn Bhd, an investment and trading company based in Malaysia. It outlines the company's operations in countries like Indonesia, Malaysia, and Thailand. It also lists future targeted countries and describes the company's background, vision, objectives, bonus structure including daily returns of 3-4% and introducer bonuses up to 25%, and investment package options ranging from $50 to $4,000. The conclusion emphasizes taking action to get started.
Emotional intelligence involves the ability to perceive, understand, and manage one's own emotions and those of others. It is based on Gardner's theory of multiple intelligences and involves personal intelligences like intrapersonal and interpersonal skills. Daniel Goleman identified five domains of emotional intelligence: self-awareness, self-regulation, motivation, empathy, and social skill. Teachers play a role in students' emotional development through attachment, reassurance, bonding, induction, and training students in a holistic way. Communicative language teaching and high emotional intelligence go hand-in-hand by creating a positive learning atmosphere without negative feelings through personalized exercises.
This document discusses designing innovative products and distribution strategies to serve undeserved markets. It focuses on open knowledge and creating products that are accessible, adoptable, replicable, scalable and sustainable. The document discusses various strategies including creating leaders to facilitate distribution and ensuring goals are more important than ideas. It provides examples of innovative products designed to improve areas like food, water, energy, health and the environment through approaches like biochar technology.
This document discusses a social network for designers called Hunie. It has 14.5 million registered artists and is the 13th largest social network. The business model involves finding companies designers through the platform and charging 12% of the designer's salary. The document provides examples of customers that have used Hunie to hire designers and discusses plans to expand globally by connecting designers in cities around the world. It concludes by stating the founders are raising $300,000 in funding.
The document discusses shortcomings of the current education system and proposes alternatives that focus on developing real skills and character. It advocates for making education more practical and tailored to individual interests, using a variety of teaching methods and experiential learning. Real education outcomes should include writing, communication, sensitivity, interests, listening and behavioral skills rather than just exams and memorization.
The document contains examples of various timetables for buses, ferries, trains, flights, taxis, and hot air balloons traveling between different locations. It provides the departure and arrival times from each place to help understand how to read timetables and answer questions about transit schedules and durations. Interactive questions are included throughout for practice determining timetable information like departure/arrival times and transit durations based on the schedule.
Ashton Kutcher has had a successful acting career spanning from 1998 to 2010. He is known for his roles in That '70s Show from 1998 to 2006 where he played Michael Kelso. Other notable films include Dude, Where's My Car?, Texas Rangers, The Butterfly Effect, Guess Who, and Killers where he played both comedic and dramatic roles.
Surat keputusan ini menetapkan susunan pengurus Ikatan Alumni Akademi Ilmu Pelayaran Indonesia cabang Makassar periode 2004-2009. Surat keputusan ini mengangkat beberapa nama sebagai pengurus beserta jabatannya masing-masing dan mengatur hal-hal terkait tugas dan tanggung jawab pengurus.
This document provides information about Future Trade Indojaya Sdn Bhd, an investment and trading company based in Malaysia. It outlines the company's operations in countries like Indonesia, Malaysia, and Thailand. It also lists future targeted countries and describes the company's background, vision, objectives, bonus structure including daily returns of 3-4% and introducer bonuses up to 25%, and investment package options ranging from $50 to $4,000. The conclusion emphasizes taking action to get started.
Emotional intelligence involves the ability to perceive, understand, and manage one's own emotions and those of others. It is based on Gardner's theory of multiple intelligences and involves personal intelligences like intrapersonal and interpersonal skills. Daniel Goleman identified five domains of emotional intelligence: self-awareness, self-regulation, motivation, empathy, and social skill. Teachers play a role in students' emotional development through attachment, reassurance, bonding, induction, and training students in a holistic way. Communicative language teaching and high emotional intelligence go hand-in-hand by creating a positive learning atmosphere without negative feelings through personalized exercises.
This document discusses designing innovative products and distribution strategies to serve undeserved markets. It focuses on open knowledge and creating products that are accessible, adoptable, replicable, scalable and sustainable. The document discusses various strategies including creating leaders to facilitate distribution and ensuring goals are more important than ideas. It provides examples of innovative products designed to improve areas like food, water, energy, health and the environment through approaches like biochar technology.
This document discusses a social network for designers called Hunie. It has 14.5 million registered artists and is the 13th largest social network. The business model involves finding companies designers through the platform and charging 12% of the designer's salary. The document provides examples of customers that have used Hunie to hire designers and discusses plans to expand globally by connecting designers in cities around the world. It concludes by stating the founders are raising $300,000 in funding.
The document discusses shortcomings of the current education system and proposes alternatives that focus on developing real skills and character. It advocates for making education more practical and tailored to individual interests, using a variety of teaching methods and experiential learning. Real education outcomes should include writing, communication, sensitivity, interests, listening and behavioral skills rather than just exams and memorization.
The document contains examples of various timetables for buses, ferries, trains, flights, taxis, and hot air balloons traveling between different locations. It provides the departure and arrival times from each place to help understand how to read timetables and answer questions about transit schedules and durations. Interactive questions are included throughout for practice determining timetable information like departure/arrival times and transit durations based on the schedule.
Ashton Kutcher has had a successful acting career spanning from 1998 to 2010. He is known for his roles in That '70s Show from 1998 to 2006 where he played Michael Kelso. Other notable films include Dude, Where's My Car?, Texas Rangers, The Butterfly Effect, Guess Who, and Killers where he played both comedic and dramatic roles.
8. BARANGKA CREDIT COOPERATIVE The coop surpassed the ordeal. Patience, strong determination, resourcefulness and prayer helped the coop surmount the problems. Moreover, the members utilized their collective ability to make their organization more community-oriented. 96 Julian Cruz Street Barangka Marikina Metro Manila Phone: +63(2)9412217 Primary Category: Cooperatives Barangka Credit Cooperative offers various products and services to its members. Application for Membership is open to all Filipinos who lives and works within the area of Marikina City and Antipolo City with the recommendation of a Member In Good Standing (MIGS). To be an official member of the Barangka Credit Cooperative, interested individuals must attend PMES Seminar conducted every Saturday and every last Sunday of the month at 1:00 PM at the Barangka Creit Cooperative office. SAVINGS OR ASSOCIATE MEMBER - Co-owner na hindi na kailangan magsanay o dumalo sa PMES Seminar. Magsumite lang ng aplikasyon at magdala ng mga sumusunod: a. 1 pc 2x2 pictureb. Proof of Billingc. Ps. 180.00 Breakdown:ID & Membership FeePs. 100.00Passbook30.00Initial Deposit50.00 ==========TOTALPs. 180.00 REGULAR MEMBER Requirements for Regular Co-Owners • Residing or working within Marikina City / nearby cities•Proof as permanent or regular employee / may negosyo / hanapbuhay•Consent of wife / husband or any member of the family•Ang pagsasanay (seminar) ay isasagawa bago makahiram•Proof of no previous or pending barangay / court cases involving money / credit discipline, kung kailangan•2 pcs. na 2x2 picture Membership:Initial Share DepositPs. 100.00 Initial Savings Deposit100.00 Initial Damayan Deposit100.00 Membership Fee100.00 Federation Due40.00 Others- Passbook, ATM, etc160.00 ATINGKOOP Membership100.00 ========== TOTALPs. 700.00 Offered by the Barangka Credit Cooperative: Types of Loans Equal LoanCheck Accommodation Double Your Share loanEmergency Loan Pensioners LoanHousing Loan Salary LoanRefinancing ATM / Land Title Special LoanEducational / Appliance Loan Capacity to pay loanMotorcycle Loan PSKM/MICRO LoanGrocery Loan / One Stop Shop Loan Pautang Sa Negosyo (PSN)Rice Loan 30 days/60 days/90days-Petty Cash Loan/Drivers/OperatorsCar Loan Discounting Personal CheckCell Phone Loan Interest Rates: Kinds of Loan Interest AnnuallyService FeeCBUTotal Deduction 1. Below / Equal Share Loan (no other loan). 6%3%1%10% 2. CBL - if share capital is 75% of the amount to be borrowed. 13%3%1%17% 3. if share capital is 50% of the amount to be borrowed. 15%3%1%19% 4. if share capital is less than 50% but more than 30% of the amount to be borrowed. 17%3%1%21% 5. if share capital is less than 30% but more than 10% of the amount to be borrowed. 18%3%1%22% 6. All loans including ATM - if share capital is less than 10% to be borrowed. 20%3%1%24% 7. All productive loans - if share capital is 5% of the amount to be borrowed. 24%3%1%28% 8. All productive loans - if share capital is 0% and less than 5% 30%3%1%34% 9. Petty Cash loan 4%2%6% 15% - grocery 85% - cash 10. Accommodation loan 4%2%6% 11. Discounting Personal Check 3%2%6% 12. Deposit PROMOTION PLACE PRICE PRODUCT
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10. ACDI Credit cooperative ACDI Savings and Credit Cooperative is a cooperative that promotes thrift and providing financial assistance to its valued members for productive purposes Through the years, ACDI has become vital part of the lives of its members by offering superior product portfolio and value added services to its members. ACDI Bldg. Diego Silang St. AFPOVAL Phase 1 Western Bicutan, taguig city Maintaining balance of 200.00 -Competitive interest rate as high as 6% per annum,tax free -minimum deposit of 10,000.00 -minimum placement of 5,000.00 Loan Types: Back to Back Loan A loan that is tied up with members’ ACDI Investments and can be paid through personal payment. Business Loan A type of loan granted to members for putting up new businesses or as additional capital for existing one. Calamity Loan A loan granted to members who are residing in areas that are affected by calamity or declared as under state of calamity. Salary Loan A ACDI offers the most affordable loan packages in the market in order to provide financial assistance to its members not only for their everyday needs but also to support their children’s education. ACDI also empowers its members to build home for their family, to purchase appliances, and to own their dream car. All of these can be achieved through ACDI Salary Loan. PROMOTION PLACE PRICE PRODUCT