Cooperative Governance & Poverty Alleviation

1. Cooperative Governance and Poverty Alleviation: The Pangasinan Experience Edwin BR. Gbargaye A masteral thesis of Pangasinan State University, Urdaneta City, March 2010 Presented by: Josefina B. Bitonio Acting Director- CDA

14. 2. What governance model strengthens confidence in cooperatives relative to: a. traditional b. corporate c. democratic and d. eclectic? 3. What is the level of practice in governance activities of the officers in terms of: a. accountability b. transparency c. predictability and d. participation?

15. 4. what are the services implemented by the cooperative in alleviating poverty of their members in terms of: a. provision of credit b. employment generation c. educational assistance d. mutual aid fund e. health benefits f. community involvement?

16. 5. What are the problems in cooperative governance along the following: a. accountability; b. transparency; c. predictability; and d. participation?

18. Findings Conclusions Recomendations

24. Model of Governance Model AWM Descriptive Traditional model laid emphasis on the values for respect for elders and traditions, the family type of cooperative in which the operations are passed on from one generation to the other. Corporate model refers to the business way in which a cooperative is operated with board members, shareholders, and audit reports, among others. 3.59 Much Democratic model gives emphasis on participation and inclusivity. The manner of freedom and respect given to each member or associate of the cooperative to carry out the affairs of the institution 4.07 Much Ecletic model refers to the mixture of any of the models either corporate and democratic or traditional and corporate being used by cooperative 3.07 Much

25. Level of Practice in Governance Elements in Governance AWM Descriptive Accountability refers to the conduct and way in which the affairs of the cooperative is being run through defined roles, responsibilities, and level of authorities, duties and its parameters/boundaries as well as understanding the benefits and risks by all cooperators. 4.29 much Transparency covers transactions within the parameters of coop rules and regulations, regular audit and records are open to member 4.28 much Predictability refers to the continuity of programs and policies of the cooperative 4.03 much Participation refers to the decision making process of each and every member in the institution. The way in which ordinary members express their opinions about matters concerning their wellbeing and the cooperative. 3.75 much Summary 4.08 much

26. Services by Cooperatives in Alleviating Poverty 1. Provision of Credit Alaminos City Dagupan City San Carlos City Urdaneta City Total 30,396,307.79 44,352,001 203,281,150.40 16,985,043 P295,014,502.30

27. Member Borrowers & Interest Rate Alaminos Dagupan San Carlos Urdaneta Total 824 1184 8895 689 11592 5 24% 4 15% 3 18% 2 12% 1 36%

28. Types of Loan Providential Productive Agricultural Microfinance Cattle dispersal Livelihood Regular Secured Loan Medical Education Personal Petty Cash Salary Rice Loan Emergency

29. Employment Generation 2. Employment Generation Alaminos Dagupan San Carlos Urdaneta Total a. Self Employed Assisted 30 535 2643 515 3723 b. Work Abroad 0 56 179 75 310 c. Coop Employed 28 42 25 9 104 Total 58 633 2847 599 4137

30. Educational Assistance 3. Educational Assistance Alaminos Dagupan San Carlos Urdaneta Total 1. Scholarship 1 1 1 3 2. Study Now Pay Later Plan 1 1 3. No. of Beneficiaries 5 1 20 10 36 4. Amount Spent P2500 P 5000 P 20,000 P 250,000 P 277,500

31. Trainings Attended Training Attended Alaminos Dagupan San Carlos Urdaneta Total 1. Local 5 5 3 1 14 2. National 1 2 3 3. International 1 1 Total 6 6 5 1 18

33. Member's Benefit Gross Revenue 12,547,063.37 11,854,564 33,311,953.25 4,172,089.50 61,885,670 Net Surplus 2,402,384.30 1,613,220.7 1,671,112,92 2,336,690 6,519,408 Members Benefit Total ISC/PR: 973,948.98 1,583,421.71 1,337,908 1,889,986.90 5,785,266 Interest on Share Cap 885,424.49 1,094,489 936,433.54 1,337,432 4,253,779 Patronage Refund 885,424.49 488,932.71 401,474.52 55,254.90 1,531,487

34. Community Involvement 1. Environmental concerns a. Orientation on sanitation b. Mangrove planting c. Tree planting d. Vegetable seed distribution e. Compost 2. Fertilizer Subsidy 3. Donation to church 4. Training sponsor 5. Fingerlings Distribution.

35. Community Involvement 6. Piglet Distribution 7. Donation Flood/Typhoon 8. Feeding program 9. Donation medicine 10. Donation toilet bowl 11. Sport sponsorship Alaminos Dagupan San Carlos Urdaneta Total Total 14 6 5 3 28 Amount P 50,000 P 34,000 P 114,527 P122,000 P320,527.00

42. thank you for your attention