The document outlines the 9 step process for organizing a cooperative in the Philippines according to the Cooperative Code of the Philippines. The steps include getting organized, reserving a cooperative name, preparing an economic survey and bylaws, securing bonds for accountable officers, completing a treasurer's affidavit, attending a pre-membership education seminar, and registering the cooperative with the Cooperative Development Authority. It also provides details on the types of cooperatives, membership categories, and privileges cooperatives can enjoy once registered.
The document provides information about organizing a primary cooperative, including requirements for membership, articles of cooperation, bylaws, registration, and types of membership. Fifteen or more individuals who are Filipino citizens of legal age and have a common bond can organize a cooperative by submitting economic data, articles of cooperation, and bylaws to the cooperative authority for registration. A cooperative has legal status once registered and issues certificates of registration. Membership types include regular and associate members. Government officers and employees have restrictions on cooperative involvement.
The document provides an overview of cooperatives and the process for organizing a primary cooperative under Philippine law. Some key points:
- Cooperatives are voluntary organizations controlled democratically by members who have equal voting rights and contribute equitably to capital. They provide education and work together through cooperation.
- Organizing a primary cooperative requires at least 15 Filipino citizens over 18 who have common interests, reside in the intended area, and complete cooperative education. Articles of cooperation and by-laws are filed along with an economic survey.
- Cooperatives have juridical personality once registered by the Authority and last up to 50 years unless dissolved. Membership includes regular and associate types, with regular members having full rights and
The document discusses the Pre-Membership Education Seminar for Santa Monica Credit Cooperative. It provides an overview of why PMES are required by law, the functions of the Cooperative Development Authority, and an introduction to cooperative principles and types. It then describes the purpose, objectives, membership options, registration process, activities, and loan services of Santa Monica Credit Cooperative.
Lectures for Basic Seminar on Cooperative DevelopmentGaphor Panimbang
This document provides an overview of cooperatives in the Philippines, including definitions, principles, laws and regulations, types of cooperatives, steps to form a cooperative, organizational structure, rights and responsibilities of members, and factors for success. Specifically, it defines a cooperative as a registered association of people with a common interest working together for economic or social goals. It also outlines the seven cooperative principles of voluntary membership, democratic control, limited return on capital, member economic participation, education and training, cooperation among cooperatives, and concern for community.
Guide on Cooperative Operation and Management jo bitonio
This document provides guidelines and checklists for cooperative operations and management in various areas. It outlines policies, programs, plans and manuals that Philippine cooperatives should have in place to properly guide their operations. These include development plans, annual plans and budgets, social development plans, education and training plans, board resolutions on human resources, finances and more. The document also provides templates to track performance indicators over multiple years.
BIR RMC No. 124 s 2020 Tax Exemption of Cooperativesjo bitonio
The document discusses the requirements and obligations for cooperatives to obtain and maintain a Certificate of Tax Exemption from the Bureau of Internal Revenue in the Philippines. It outlines the application process for new and renewal certificates, as well as ongoing obligations such as submitting annual filings and informing the BIR of any changes. It also addresses other tax-related questions that cooperatives may have regarding topics like securing tax identification numbers for members, statutory contributions as deductions, withholding tax exemptions, and audit procedures.
The document provides guidance on strategic planning for cooperatives. It discusses the key components of a strategic plan including environmental scanning, vision/mission, objectives, strategies, policies, implementation programs and projects, budgets, and performance evaluation. It emphasizes developing objectives that are specific, measurable, achievable, relevant and time-bound. The strategic management model outlines the process of formulation, implementation, and evaluation of strategies. References for further information on strategic planning for cooperatives are also provided.
Implementing Rules and regulations of RA 9520jo bitonio
The revised implementing rules and regulations of the Philippine Cooperative Code of 2008 (RA 9520) highlight several key changes, including redefining certain terms, restricting the registration of multipurpose cooperatives, restructuring training requirements for cooperative officers, simplifying reporting requirements, and clarifying the roles of partner agencies in cooperative registration and regulation. The revisions also address subsidiary cooperatives, representative assemblies, mergers and consolidations, and capitalization and accounting procedures.
The document provides information about organizing a primary cooperative, including requirements for membership, articles of cooperation, bylaws, registration, and types of membership. Fifteen or more individuals who are Filipino citizens of legal age and have a common bond can organize a cooperative by submitting economic data, articles of cooperation, and bylaws to the cooperative authority for registration. A cooperative has legal status once registered and issues certificates of registration. Membership types include regular and associate members. Government officers and employees have restrictions on cooperative involvement.
The document provides an overview of cooperatives and the process for organizing a primary cooperative under Philippine law. Some key points:
- Cooperatives are voluntary organizations controlled democratically by members who have equal voting rights and contribute equitably to capital. They provide education and work together through cooperation.
- Organizing a primary cooperative requires at least 15 Filipino citizens over 18 who have common interests, reside in the intended area, and complete cooperative education. Articles of cooperation and by-laws are filed along with an economic survey.
- Cooperatives have juridical personality once registered by the Authority and last up to 50 years unless dissolved. Membership includes regular and associate types, with regular members having full rights and
The document discusses the Pre-Membership Education Seminar for Santa Monica Credit Cooperative. It provides an overview of why PMES are required by law, the functions of the Cooperative Development Authority, and an introduction to cooperative principles and types. It then describes the purpose, objectives, membership options, registration process, activities, and loan services of Santa Monica Credit Cooperative.
Lectures for Basic Seminar on Cooperative DevelopmentGaphor Panimbang
This document provides an overview of cooperatives in the Philippines, including definitions, principles, laws and regulations, types of cooperatives, steps to form a cooperative, organizational structure, rights and responsibilities of members, and factors for success. Specifically, it defines a cooperative as a registered association of people with a common interest working together for economic or social goals. It also outlines the seven cooperative principles of voluntary membership, democratic control, limited return on capital, member economic participation, education and training, cooperation among cooperatives, and concern for community.
Guide on Cooperative Operation and Management jo bitonio
This document provides guidelines and checklists for cooperative operations and management in various areas. It outlines policies, programs, plans and manuals that Philippine cooperatives should have in place to properly guide their operations. These include development plans, annual plans and budgets, social development plans, education and training plans, board resolutions on human resources, finances and more. The document also provides templates to track performance indicators over multiple years.
BIR RMC No. 124 s 2020 Tax Exemption of Cooperativesjo bitonio
The document discusses the requirements and obligations for cooperatives to obtain and maintain a Certificate of Tax Exemption from the Bureau of Internal Revenue in the Philippines. It outlines the application process for new and renewal certificates, as well as ongoing obligations such as submitting annual filings and informing the BIR of any changes. It also addresses other tax-related questions that cooperatives may have regarding topics like securing tax identification numbers for members, statutory contributions as deductions, withholding tax exemptions, and audit procedures.
The document provides guidance on strategic planning for cooperatives. It discusses the key components of a strategic plan including environmental scanning, vision/mission, objectives, strategies, policies, implementation programs and projects, budgets, and performance evaluation. It emphasizes developing objectives that are specific, measurable, achievable, relevant and time-bound. The strategic management model outlines the process of formulation, implementation, and evaluation of strategies. References for further information on strategic planning for cooperatives are also provided.
Implementing Rules and regulations of RA 9520jo bitonio
The revised implementing rules and regulations of the Philippine Cooperative Code of 2008 (RA 9520) highlight several key changes, including redefining certain terms, restricting the registration of multipurpose cooperatives, restructuring training requirements for cooperative officers, simplifying reporting requirements, and clarifying the roles of partner agencies in cooperative registration and regulation. The revisions also address subsidiary cooperatives, representative assemblies, mergers and consolidations, and capitalization and accounting procedures.
This document provides information about cooperatives, including their purpose, principles, and operational requirements. It discusses reasons for forming cooperatives such as addressing community issues like lack of jobs and income. It also summarizes the key principles of cooperatives based on the International Cooperative Alliance, including voluntary membership, democratic member control, member economic participation, autonomy and independence, education/training, cooperation among cooperatives, and concern for community. Additionally, it outlines requirements for cooperative registration and ongoing reporting obligations.
Fundamental of Cooperatives by PCEDO and PCDCjo bitonio
This document provides an overview of fundamentals of cooperatives from the perspective of CDA Regional Office 1. It discusses legal bases for cooperatives, requirements such as developing a strategic plan within 90 days of registration and having the strategic plan approved by members. It also outlines requirements for an annual plan, hiring an external auditor, and accepting audited financial statements. Additional topics covered include developing education and training plans, gender and development plans, succession plans, and policies on training fund allocation. The document emphasizes the importance of continuous learning, taking small steps, prioritizing education and training, and what makes cooperatives unique in being member-owned and values-based. It concludes with messages about the importance of compliance, capital build up,
Coop Identity, Values, Principles, Governance and Best Practicesjo bitonio
This document provides an overview of cooperatives including their history, principles, governance, and impact. It discusses how cooperatives originated from groups working together throughout history for mutual benefit. The modern cooperative movement began in the 19th century in Europe and North America. Cooperatives were formed during economic hard times to help people. They contribute to job creation, social integration, and poverty reduction. The document also outlines the different types of cooperatives according to Philippine law and provides statistical data on cooperatives in certain provinces and their total assets.
This document discusses policy formulation for cooperatives. It defines policy and outlines the characteristics and functions of effective policy. It provides guidelines for writing, implementing, distributing, controlling, and evaluating policies. The document also contains examples of sample policies and discusses the components of policy formulation. It distinguishes between ethical, strategic, and operational types of policies.
The document discusses governance and management requirements for cooperatives in the Philippines. It outlines required training courses for different types of cooperatives, covering topics like fundamentals of cooperatives, governance and management. It specifies training hours and deadlines for cooperative officers to complete the courses. The training courses aim to develop officers' skills in financial management, governance, operations and other areas important for effective cooperative management.
Orientation for Cooperative in Education and Training Committee jo bitonio
The document provides an orientation for the Education and Training Committee (ETC) of a cooperative. It discusses the composition, roles, and responsibilities of the ETC. The ETC is responsible for planning, developing, implementing, and evaluating educational programs for cooperative members, officers, and staff. This includes developing training materials, implementing educational plans, and reporting annually to the General Assembly. The ETC also oversees membership recruitment, sustainability, and continuing education efforts.
Success Factors for Cooperative Operationsjo bitonio
This document discusses the fundamental objectives and principles of cooperatives. It outlines three main objectives: (1) to provide more economical and efficient services to members, (2) to distribute savings (surplus) based on patronage rather than capital contributions, and (3) to place control in the hands of member-patrons. It then examines several cooperative principles in more depth, including democratic control by members, limited returns on share capital, and service at cost. Key points covered include member voting rights, distribution of surplus funds, and ensuring cooperatives are controlled by and serve the interests of users rather than investors.
Delinquency control & capital build up for cooperativesefferson ramirez
The document discusses strategies for controlling delinquency and building capital in cooperatives. It outlines common reasons for borrowing and delinquency, such as sickness, job loss, or natural disasters. To minimize delinquency, cooperatives should provide continuous education to members on cooperative principles and financial responsibilities. They should also properly evaluate loan applications. Some strategies for capital build up include cooperative education, raffle draws tied to share purchases, annual dues, and voluntary savings programs like door-to-door collections or salary deductions. Maintaining sufficient capital is important for cooperatives to provide services to members and remain self-financed enterprises.
Governance & Management-of-coops Part II jo bitonio
The document discusses key topics related to the operation and management of cooperatives, including financial management, personnel management, human resource management, production, marketing, technical aspects, ethical standards, and performance measurement. Specifically, it covers:
1. The importance of financial management for cooperatives to ensure availability of funds, optimum utilization of funds, safety of investments, and a sound capital structure.
2. The differences between personnel management, which focuses on routine employee functions, and human resource management, which treats employees as strategic assets.
3. The values and principles that cooperatives are based on like self-help, self-responsibility, democracy, equality, equity, and solidarity.
4. Common areas
The document provides information about joining the Global Dollar Builder Credit Cooperative (GDBCC). It discusses the requirements for becoming a member, including undergoing a Pre-Membership Education Seminar (PMES). The PMES covers basic concepts of cooperatives and details about GDBCC, its products/services, and how members can earn income and benefits. All cooperatives must register with the Cooperative Development Authority according to Philippine law.
This document discusses key aspects of cooperative management including planning, organizing, staffing, leading, and controlling. It defines cooperatives and their principles. It outlines the organizational structure of cooperatives including roles of the general assembly, board of directors, and general manager. It also discusses characteristics of effective cooperative leadership and management practices.
The document discusses the constitutional mandate and history of the Cooperative Development Authority (CDA) in the Philippines. Some key points:
- The 1987 Philippine Constitution mandates Congress to create an agency to promote cooperatives for social justice and economic development.
- Executive orders and laws such as RA 6939 (1990) and RA 11364 (2019) established and strengthened the CDA.
- The CDA is tasked with promoting the viability and growth of cooperatives in the country. It establishes guidelines for cooperative clusters, boards, and partnerships with other agencies.
- The document also outlines general cooperative concepts, principles, benefits, and differences between cooperatives and other business structures.
The document provides background information on the history and development of cooperatives. It discusses how the modern cooperative movement began in 1844 with the Rochdale Society of Equitable Pioneers in Rochdale, England. It then outlines key figures like Robert Owen and Dr. William King who influenced the development of cooperatives. The document also summarizes major milestones and policies regarding cooperatives in the Philippines from 1906 to 1969.
The document outlines the organizational structure of a cooperative, including its various governing bodies and committees. The highest policy-making body is the General Assembly, composed of all voting members. It determines amendments, elects the Board of Directors, and approves development plans. The Board of Directors manages the day-to-day operations. Additional bodies include the Treasurer, Secretary, Mediation Committee, Audit Committee, Election Committee, and Ethics Committee, each with defined roles and responsibilities.
The document provides information about an upcoming Pre-Membership Education Seminar (PMES) being held by IPEMPC, a cooperative in Iloilo, Philippines. It includes the cooperative pledge, welcome remarks, an introduction to IPEMPC's history and core values. It also summarizes IPEMPC's organizational structure, general membership policies, loan policies, and committees. In the last section, it provides a brief overview of IPEMPC's total assets and shared capital/net surplus from 2009-2013, showing growth over that period.
The document discusses strategic planning for cooperatives. It provides information on developing a cooperative's vision, mission, goals, objectives and operating values as part of the strategic planning process. The board is responsible for strategic planning and setting policies while the manager implements tactics to achieve the goals and objectives set by the board. Goals and objectives should be SMART (specific, measurable, attainable, relevant and time-bound). Strategic planning helps guide a cooperative from its current state to its desired future.
The document discusses the organizational structure and governance of cooperatives. It outlines the roles and responsibilities of the general assembly, board of directors, management, and various committees. It also covers the election and removal of officers, required reports, and functions of management. As a business entity, cooperatives must comply with relevant business laws and registration requirements.
The document provides an overview of the state of the cooperative movement globally and in the Philippines. Some key points:
1) Cooperatives employ over 100 million people worldwide and help secure livelihoods for nearly half the world's population.
2) In the Philippines, there are over 18,000 registered cooperatives with over 7 million members and total paid-up assets of over 35 billion pesos as of 2010.
3) The prospects for growth of the cooperative movement in the Philippines are bright due to government support, increasing assets and membership, and potential for cooperation among cooperatives. However, challenges remain such as competition, some unions within cooperatives, and a need for more participative management practices.
Governance and Mgmt for Co-ops Part - I.pdfjo bitonio
The document discusses governance and management requirements for cooperatives in the Philippines. It outlines the required training courses for different types of cooperatives, including fundamentals of cooperatives and governance and management. It specifies the training hours and topics required for officers of micro-cooperatives versus larger cooperatives. Additional optional trainings are also recommended to enhance officers' skills in areas like financial management, leadership, and strategic planning. Guidelines include a requirement for officers to complete mandatory trainings within the first half of their term.
This document outlines various requirements and best practices for cooperatives in the Philippines. It states that cooperatives must allocate allowances for probable loan losses, apply for tax exemption with BIR, and submit yearly reports to CDA to maintain their Certificate of Operation. It also describes the COOP-PESOS rating system used by CDA to evaluate cooperatives' soundness. Additional requirements include proper documentation of loans, regular financial audits, and developing strategic plans.
1) Cooperatives are registered with the Cooperative Development Authority to achieve social and economic needs of members.
2) There are various types of cooperatives that provide services like credit, consumer goods, production, marketing, and more.
3) Organizing a cooperative involves getting members, drafting documents, registering with the CDA, and paying fees based on capital size.
The document outlines various types and categories of cooperatives:
(1) Types of cooperatives include credit, consumers, producers, marketing, service, multipurpose, advocacy, agrarian reform, cooperative bank, dairy, education, electric, financial service, fishermen, health services, housing, insurance, transport, water service, workers, and other types determined by the Authority.
(2) Categories of cooperatives are primary (members are natural persons), secondary (members are primary cooperatives), and tertiary (members are secondary cooperatives). Cooperatives are also categorized by their territory or area of operations.
This document provides information about cooperatives, including their purpose, principles, and operational requirements. It discusses reasons for forming cooperatives such as addressing community issues like lack of jobs and income. It also summarizes the key principles of cooperatives based on the International Cooperative Alliance, including voluntary membership, democratic member control, member economic participation, autonomy and independence, education/training, cooperation among cooperatives, and concern for community. Additionally, it outlines requirements for cooperative registration and ongoing reporting obligations.
Fundamental of Cooperatives by PCEDO and PCDCjo bitonio
This document provides an overview of fundamentals of cooperatives from the perspective of CDA Regional Office 1. It discusses legal bases for cooperatives, requirements such as developing a strategic plan within 90 days of registration and having the strategic plan approved by members. It also outlines requirements for an annual plan, hiring an external auditor, and accepting audited financial statements. Additional topics covered include developing education and training plans, gender and development plans, succession plans, and policies on training fund allocation. The document emphasizes the importance of continuous learning, taking small steps, prioritizing education and training, and what makes cooperatives unique in being member-owned and values-based. It concludes with messages about the importance of compliance, capital build up,
Coop Identity, Values, Principles, Governance and Best Practicesjo bitonio
This document provides an overview of cooperatives including their history, principles, governance, and impact. It discusses how cooperatives originated from groups working together throughout history for mutual benefit. The modern cooperative movement began in the 19th century in Europe and North America. Cooperatives were formed during economic hard times to help people. They contribute to job creation, social integration, and poverty reduction. The document also outlines the different types of cooperatives according to Philippine law and provides statistical data on cooperatives in certain provinces and their total assets.
This document discusses policy formulation for cooperatives. It defines policy and outlines the characteristics and functions of effective policy. It provides guidelines for writing, implementing, distributing, controlling, and evaluating policies. The document also contains examples of sample policies and discusses the components of policy formulation. It distinguishes between ethical, strategic, and operational types of policies.
The document discusses governance and management requirements for cooperatives in the Philippines. It outlines required training courses for different types of cooperatives, covering topics like fundamentals of cooperatives, governance and management. It specifies training hours and deadlines for cooperative officers to complete the courses. The training courses aim to develop officers' skills in financial management, governance, operations and other areas important for effective cooperative management.
Orientation for Cooperative in Education and Training Committee jo bitonio
The document provides an orientation for the Education and Training Committee (ETC) of a cooperative. It discusses the composition, roles, and responsibilities of the ETC. The ETC is responsible for planning, developing, implementing, and evaluating educational programs for cooperative members, officers, and staff. This includes developing training materials, implementing educational plans, and reporting annually to the General Assembly. The ETC also oversees membership recruitment, sustainability, and continuing education efforts.
Success Factors for Cooperative Operationsjo bitonio
This document discusses the fundamental objectives and principles of cooperatives. It outlines three main objectives: (1) to provide more economical and efficient services to members, (2) to distribute savings (surplus) based on patronage rather than capital contributions, and (3) to place control in the hands of member-patrons. It then examines several cooperative principles in more depth, including democratic control by members, limited returns on share capital, and service at cost. Key points covered include member voting rights, distribution of surplus funds, and ensuring cooperatives are controlled by and serve the interests of users rather than investors.
Delinquency control & capital build up for cooperativesefferson ramirez
The document discusses strategies for controlling delinquency and building capital in cooperatives. It outlines common reasons for borrowing and delinquency, such as sickness, job loss, or natural disasters. To minimize delinquency, cooperatives should provide continuous education to members on cooperative principles and financial responsibilities. They should also properly evaluate loan applications. Some strategies for capital build up include cooperative education, raffle draws tied to share purchases, annual dues, and voluntary savings programs like door-to-door collections or salary deductions. Maintaining sufficient capital is important for cooperatives to provide services to members and remain self-financed enterprises.
Governance & Management-of-coops Part II jo bitonio
The document discusses key topics related to the operation and management of cooperatives, including financial management, personnel management, human resource management, production, marketing, technical aspects, ethical standards, and performance measurement. Specifically, it covers:
1. The importance of financial management for cooperatives to ensure availability of funds, optimum utilization of funds, safety of investments, and a sound capital structure.
2. The differences between personnel management, which focuses on routine employee functions, and human resource management, which treats employees as strategic assets.
3. The values and principles that cooperatives are based on like self-help, self-responsibility, democracy, equality, equity, and solidarity.
4. Common areas
The document provides information about joining the Global Dollar Builder Credit Cooperative (GDBCC). It discusses the requirements for becoming a member, including undergoing a Pre-Membership Education Seminar (PMES). The PMES covers basic concepts of cooperatives and details about GDBCC, its products/services, and how members can earn income and benefits. All cooperatives must register with the Cooperative Development Authority according to Philippine law.
This document discusses key aspects of cooperative management including planning, organizing, staffing, leading, and controlling. It defines cooperatives and their principles. It outlines the organizational structure of cooperatives including roles of the general assembly, board of directors, and general manager. It also discusses characteristics of effective cooperative leadership and management practices.
The document discusses the constitutional mandate and history of the Cooperative Development Authority (CDA) in the Philippines. Some key points:
- The 1987 Philippine Constitution mandates Congress to create an agency to promote cooperatives for social justice and economic development.
- Executive orders and laws such as RA 6939 (1990) and RA 11364 (2019) established and strengthened the CDA.
- The CDA is tasked with promoting the viability and growth of cooperatives in the country. It establishes guidelines for cooperative clusters, boards, and partnerships with other agencies.
- The document also outlines general cooperative concepts, principles, benefits, and differences between cooperatives and other business structures.
The document provides background information on the history and development of cooperatives. It discusses how the modern cooperative movement began in 1844 with the Rochdale Society of Equitable Pioneers in Rochdale, England. It then outlines key figures like Robert Owen and Dr. William King who influenced the development of cooperatives. The document also summarizes major milestones and policies regarding cooperatives in the Philippines from 1906 to 1969.
The document outlines the organizational structure of a cooperative, including its various governing bodies and committees. The highest policy-making body is the General Assembly, composed of all voting members. It determines amendments, elects the Board of Directors, and approves development plans. The Board of Directors manages the day-to-day operations. Additional bodies include the Treasurer, Secretary, Mediation Committee, Audit Committee, Election Committee, and Ethics Committee, each with defined roles and responsibilities.
The document provides information about an upcoming Pre-Membership Education Seminar (PMES) being held by IPEMPC, a cooperative in Iloilo, Philippines. It includes the cooperative pledge, welcome remarks, an introduction to IPEMPC's history and core values. It also summarizes IPEMPC's organizational structure, general membership policies, loan policies, and committees. In the last section, it provides a brief overview of IPEMPC's total assets and shared capital/net surplus from 2009-2013, showing growth over that period.
The document discusses strategic planning for cooperatives. It provides information on developing a cooperative's vision, mission, goals, objectives and operating values as part of the strategic planning process. The board is responsible for strategic planning and setting policies while the manager implements tactics to achieve the goals and objectives set by the board. Goals and objectives should be SMART (specific, measurable, attainable, relevant and time-bound). Strategic planning helps guide a cooperative from its current state to its desired future.
The document discusses the organizational structure and governance of cooperatives. It outlines the roles and responsibilities of the general assembly, board of directors, management, and various committees. It also covers the election and removal of officers, required reports, and functions of management. As a business entity, cooperatives must comply with relevant business laws and registration requirements.
The document provides an overview of the state of the cooperative movement globally and in the Philippines. Some key points:
1) Cooperatives employ over 100 million people worldwide and help secure livelihoods for nearly half the world's population.
2) In the Philippines, there are over 18,000 registered cooperatives with over 7 million members and total paid-up assets of over 35 billion pesos as of 2010.
3) The prospects for growth of the cooperative movement in the Philippines are bright due to government support, increasing assets and membership, and potential for cooperation among cooperatives. However, challenges remain such as competition, some unions within cooperatives, and a need for more participative management practices.
Governance and Mgmt for Co-ops Part - I.pdfjo bitonio
The document discusses governance and management requirements for cooperatives in the Philippines. It outlines the required training courses for different types of cooperatives, including fundamentals of cooperatives and governance and management. It specifies the training hours and topics required for officers of micro-cooperatives versus larger cooperatives. Additional optional trainings are also recommended to enhance officers' skills in areas like financial management, leadership, and strategic planning. Guidelines include a requirement for officers to complete mandatory trainings within the first half of their term.
This document outlines various requirements and best practices for cooperatives in the Philippines. It states that cooperatives must allocate allowances for probable loan losses, apply for tax exemption with BIR, and submit yearly reports to CDA to maintain their Certificate of Operation. It also describes the COOP-PESOS rating system used by CDA to evaluate cooperatives' soundness. Additional requirements include proper documentation of loans, regular financial audits, and developing strategic plans.
1) Cooperatives are registered with the Cooperative Development Authority to achieve social and economic needs of members.
2) There are various types of cooperatives that provide services like credit, consumer goods, production, marketing, and more.
3) Organizing a cooperative involves getting members, drafting documents, registering with the CDA, and paying fees based on capital size.
The document outlines various types and categories of cooperatives:
(1) Types of cooperatives include credit, consumers, producers, marketing, service, multipurpose, advocacy, agrarian reform, cooperative bank, dairy, education, electric, financial service, fishermen, health services, housing, insurance, transport, water service, workers, and other types determined by the Authority.
(2) Categories of cooperatives are primary (members are natural persons), secondary (members are primary cooperatives), and tertiary (members are secondary cooperatives). Cooperatives are also categorized by their territory or area of operations.
This document summarizes the key concepts and principles of cooperatives. It defines cooperatives according to Philippine law as autonomous associations that help members achieve social, economic, and cultural needs through equitable capital contributions and risk/benefit sharing. The document traces cooperatives back to Rochdale, England in 1844 and outlines the International Cooperative Alliance's seven principles of voluntary membership, democratic control, member economic participation, autonomy, education/training, cooperation among cooperatives, and community concern. It distinguishes different types of cooperatives in the Philippines according to the law.
This document defines the different types of cooperatives and their purposes. It lists 23 types of cooperatives including credit, consumers, producers, marketing, service, multipurpose, advocacy, agrarian reform, cooperative bank, dairy, education, electric, financial service, fishermen, health services, housing, insurance, transport, water service, workers, and other types as determined by the Authority. Cooperatives are autonomous associations that voluntarily join together to achieve social, economic and cultural needs of members.
A cooperative is a voluntary association of persons who join together to meet their common economic, social, and cultural needs through an equitable contribution of funds and democratic control. The primary goal of cooperatives is to improve members' quality of life by providing goods, services, and education. Any profits or surplus funds are distributed to members to avoid some gaining at the expense of others. Cooperatives operate according to principles such as open membership, democratic control, limited interest on share capital, and cooperation among cooperatives. There are various types of cooperatives including credit, consumer, producers, marketing, and multi-purpose cooperatives.
MYADRuedas-History of OMSC MPC-Principles.pptmyadruedas
The document provides a history and overview of the Occidental Mindoro State College Teachers and Employees Credit Cooperative (OMSC MPC). It discusses that OMSC MPC was formed in 1994 with 40 initial members and PHP 20,000 in capital. Membership and capital have since grown significantly. The document also outlines the seven cooperative principles of voluntary and open membership, democratic member control, member economic participation, autonomy and independence, education/training and information, cooperation among cooperatives, and concern for community. Finally, it discusses the purposes and types of cooperatives under Philippine law and highlights key Filipino values of social acceptance, economic security, and social mobility that cooperatives aim to uphold.
A cooperative is a registered association of people who voluntarily join together to achieve social, economic, and cultural needs through equitable contributions and sharing of risks and benefits. Cooperatives can be organized for purposes like encouraging thrift and savings, providing credit, systematic production and marketing, and goods/services to members. The primary objective of cooperatives is to improve members' quality of life by providing goods/services to increase income and purchasing power, optimum benefits, efficient ways of doing business, new ideas, and ownership for lower income groups. Cooperatives also aim to cooperate with other organizations to further attainment of objectives.
A cooperative is a registered association of persons who voluntarily join together to achieve common social, economic, and cultural goals. Cooperatives are organized to pursue various purposes, including encouraging thrift and savings, providing credit, promoting systematic production and marketing, and developing expertise among members. The primary objective of all cooperatives is to improve members' quality of life by providing goods and services to increase income and purchasing power, optimize social and economic benefits, teach efficient ways of working together, and allow less privileged groups to increase their wealth.
This document provides information about cooperatives, including their definition, principles, types, purposes, rights, and organizational structure. It defines cooperatives as autonomous associations of persons with common interests who have voluntarily joined together to achieve their social, economic, and cultural needs. The key aspects covered are that cooperatives are democratic organizations controlled by members, who have equal voting rights, contribute equitably to capital, and elect boards of directors to govern on their behalf. It also outlines the process for organizing a primary cooperative and the roles of the general assembly and board of directors in a cooperative's administration and governance.
A cooperative is a registered association of persons who voluntarily join together to achieve their social, economic, and cultural needs through equitable contributions and sharing of risks and benefits. Cooperatives can be organized for purposes like encouraging thrift and savings, providing credit, systematic production and marketing, and acquiring lands. The primary objective of every cooperative is to improve members' quality of life by providing goods and services, optimum benefits, efficient ways of working together, and allowing less privileged groups to increase ownership.
This document summarizes key provisions of the Cooperative Code of the Philippines (Republic Act No. 6938). It defines cooperatives and establishes them as associations that members voluntarily join to achieve common social and economic goals. The code declares the state's policy of fostering cooperatives to promote self-reliance and economic development. It outlines requirements for organizing, registering, and operating cooperatives, including their purposes, governance structures, capitalization, and duties. The code also addresses the amendment of cooperative agreements and documents, division or merger of cooperatives, and effects of consolidation.
The document outlines the principles and concepts of cooperatives according to Philippine law. It defines cooperatives as voluntary associations that are open to all and formed to meet members' social, economic, and cultural needs. The key principles of cooperatives discussed are democratic member control, member economic participation, autonomy and independence, education/training of members, cooperation among cooperatives, and concern for the community. The document also defines important terms related to the structure and governance of cooperatives.
Indu Bhushan Prasad presented on cooperative societies. A cooperative society is defined as a voluntary association of individuals formed to meet common economic, social, and cultural needs through jointly-owned and democratically controlled enterprises. At least 10 people can form a cooperative society under the Cooperative Societies Act of 1912 by submitting an application and bye-laws to the registrar. Cooperative societies take various forms including consumers', producers', marketing, credit, farming, and housing societies. They are governed democratically and provide services to members while generating some profit.
The Philippine Cooperative Code of 2008 amended the 1990 Cooperative Code and was signed into law in 2009. It aims to foster cooperatives as vehicles for self-reliance and economic development. Key provisions include defining cooperatives based on cooperative principles, setting capitalization and membership requirements, establishing governance structures like the general assembly and board of directors, regulating financial reporting and auditing, and providing tax exemptions for member transactions. The code also recognizes new cooperative types and aims to promote their growth and viability through technical support and preferential policies.
This document summarizes amendments made to the Philippine Cooperative Code of 2008. Some key points:
- It amends articles related to general concepts, principles, organization, registration and other areas of the previous Cooperative Code.
- It updates definitions of terms like member, board of directors, articles of cooperation, and bylaws.
- It outlines the purposes cooperatives can be organized for, including providing goods/services, education, insurance, banking and more.
- It details requirements for organizing a primary cooperative including a minimum of 15 members and completing education.
The document discusses performance indicators and methods for measuring the economic contribution and impact of cooperatives. It defines key terms like economic contribution, impact, and benefit. It also describes common measurement methods like input-output models, cost-benefit analysis, and expanded value added statements. Additionally, it introduces the balanced scorecard concept for cooperatives to measure performance across financial, customer, internal business process, and learning and growth perspectives.
The Cooperative Development Authority (CDA) is mandated by law to promote and register cooperatives in the Philippines. A cooperative is an autonomous association of persons who voluntarily join together to achieve common social and economic goals. The primary objective of cooperatives is to improve the quality of life of its members by providing goods, services, and economic benefits through cooperative practices. The document goes on to describe the objectives, privileges, and types of cooperatives registered by the CDA.
History of cooperatives in the philippinesEdz Gapuz
This document discusses the history and development of cooperatives in the Philippines. It provides details on early cooperatives organized under Rizal and the Rural Credit Law passed in 1916. It also outlines the objectives of the Agricultural Credit and Cooperative Financing Administration established in 1952 to provide liberal credit to small farmers and promote cooperative associations. Finally, it defines the different types of cooperatives under Republic Act No. 9250 and privileges afforded to registered cooperatives.
Cooperatives play an important role in promoting social justice and economic development. They are based on principles of democracy, equality, equity and solidarity which help serve marginalized groups. Cooperatives also contribute to social development by progressively improving living conditions and quality of life for their members and in society. The document discusses the importance, types, purposes and roles of cooperatives in depth.
The document outlines several fraudulent schemes used to illegally obtain land titles in the Philippines:
1. Government officials issue retroactive land titles, surveys, and decrees in exchange for bribes.
2. Titles are issued under fake names and then transferred to conspirators.
3. Professional squatters are hired to occupy land before titles are processed.
4. Officials help their relatives obtain land titles through these illegal methods. The land is then sold to developers, damaging legitimate owners and the public.
Online PMES - PROCEDURES IN ACQUIRING POSSESSORY DOCUMENTBLP Cooperative
The document outlines the 15 step process for obtaining a possessory document through the BLP MULTI-PURPOSE COOPERATIVE. It involves screening, interviews, submitting application forms and documents, paying fees, conducting surveys, encoding facts, signing documents, and notarization. The final steps are preparation of the possessory document, which will either be in the name of the member/beneficiary or BLPMC depending on payment status, and releasing the completed possessory document.
Online PMES - Concept of POSSESSION and OWNERSHIPBLP Cooperative
The document discusses different types of possession and ownership. It defines possession as either holding property as the owner or as a mere holder who acknowledges another's superior right of ownership. It also distinguishes between actual possession with a possessory document and actual possession without such documentation. The document then outlines different categories of individuals and groups that can own property, such as individuals, couples, associations, and corporations. Finally, it discusses different types of documentation used to prove possession and ownership, such as possessory documents, certificates of title, and transfer certificates.
This document lists various laws, acts, and presidential decrees related to cooperatives and real property. It includes references to the Cooperative Code of the Philippines (R.A. 9520), the Corporation Code (R.A. 7160), the Agricultural Land Reform Code (R.A. 5185), and sections from the Civil Code and Presidential Decrees on property rights. The document appears to be providing an outline of relevant legal references for an educational seminar about cooperatives and membership.
The document discusses land titling and ownership in the Philippines. It notes that the Philippine government waived its rights over public and titled lands acquired through fraudulent means. It discusses several land laws including the Torrens system, Real Property Act of 1858, and Land Registration Act of 1896. The document outlines the land titling process, different types of land ownership and tenure, taxation exemptions, and management and authority related to land ownership in the Philippines.
Online PMES - BLP Absolute Ownership History of ConveyanceBLP Cooperative
The document traces the ownership history of a large tract of land through various transactions:
1) The land was originally registered under Domingo de Ocampo.
2) Through inheritance, Guillermo de Ocampo became the sole owner and transferred ownership to Charlie O. Carabana for 20 million pesos.
3) Carabana then sold the land to Ang Bagong Lahing Filipino Development Foundation for 475 million pesos.
4) The land is now owned by BLP Cooperative, which adopted the articles of incorporation and bylaws of the BLP Development Foundation as its own articles of cooperation and bylaws.
This document discusses possessory rights held by BLP MULTI-PURPOSE COOPERATIVE. [1] BLP issues possessory documents to members as evidence of possession of land. [2] Possessory rights differ depending on whether there is a deed of conveyance such as a deed of absolute sale. [3] BLP issues possessory documents based on absolute ownership conveyed through deeds from original landowners to current ownership by BLP.
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Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
4. A cooperative is an autonomous and duly registered
association of persons, with a common bond of
interest, who have voluntarily joined together to achieve
their social, economic and cultural needs and
aspirations by making equitable contributions to the
capital required, patronizing their products and services
and accepting a fair share of risks and benefits of the
undertaking in accordance with the universally
accepted cooperative principles.
4
5. The primary objective of every cooperative is to help
improve the quality of life of its members. Towards this
end, the cooperative shall aim to:
(a) Provide goods and services to its members to enable
them to attain increased
income, savings, investments, productivity, and
purchasing power, and promote among themselves
equitable distribution of net surplus through maximum
utilization of economies of scale, cost-sharing and risk-
sharing;
5
6. b) Provide optimum social and economic benefits to its
members;
(c) Teach them efficient ways of doing things in a
cooperative manner;
(d) Propagate cooperative practices and new ideas in
business and management;
6
7. e) Allow the lower income and less privileged groups to
increase their ownership in the wealth of the nation;
and
(f) Cooperate with the government, other cooperatives
and people-oriented organizations to further the
attainment of any of the foregoing objectives.
7
8. Cooperatives may fall under any of the following types:
(a) Credit Cooperative : is one that promotes and
undertakes savings and lending services among its
members. It generates a common pool of funds in order
to provide financial assistance and other related
financial services to its members for productive and
provident purposes;
(b) Consumer Cooperative : is one the primary purpose
of which is to procure and distribute commodities to
members and non-members; 8
9. (c) Producers Cooperative : is one that undertakes joint
production whether agricultural or industrial. It is formed
and operated by its members to undertake the
production and processing of raw materials or goods
produced by its members into finished or processed
products for sale by the cooperative to its members and
non-members. Any end product or its derivative arising
from the raw materials produced by its members, sold in
the name of and for the account of the
cooperative, shall be deemed a product of the
cooperative and its members;
9
10. (e) Service Cooperative : is one which engages in
medical and dental
care, hospitalization, transportation, insurance, housing, l
abor, electric light and
power, communication, professional and other services;
(f) Multi-Purpose Cooperative : combines two (2) or
more of the business activities of these different types of
cooperatives;
10
11. (g) Advocacy Cooperative : is a primary cooperative
which promotes and advocates cooperativism among
its members and the public through socially-oriented
projects, education and training, research and
communication, and other similar activities to reach out
to its intended beneficiaries;
(h) Agrarian Reform Cooperative : is one organized by
marginal farmers majority of which are agrarian reform
beneficiaries for the purpose of developing an
appropriate system of land tenure, land
development, land consolidation or land management
in areas covered by agrarian reform;
11
12. (i) Cooperative Bank : is one organized for the primary
purpose of providing a wide range of financial services
to cooperatives and their members;
(J) Dairy Cooperative : is one whose members are
engaged in the production of fresh milk which may be
processed and/or marketed as dairy products;
(k) Education Cooperative : is one organized for the
primary purpose of owning and operating licensed
educational institutions, notwithstanding the provisions of
Republic Act No.9155, otherwise known as the
Governance of Basic Education Act of 2001;
12
13. (l) Electric Cooperative : is one organized for the primary
purpose of undertaking power generation, utilizing
renewable sources, including hybrid systems, acquisition
and operation of sub transmission or distribution to its
household members;
(m) Financial Service Cooperative : is one organized for
the primary purpose of engaging in savings and credit
services and other financial services;
(n) Fishermen Cooperative : is one organized by
marginalized fishermen in localities whose products are
marketed either as fresh or processed products;
13
14. (o) Health Services Cooperative : is one organized for
the primary purpose of providing medical, dental, and
other health services;
(p) Housing Cooperative : is one organized to assist or
provide access to housing for the benefit of its regular
members who actively participate in the savings
program for housing. It is co-owned and controlled by its
members;
(q) Insurance Cooperative : is one engaged in the
business of insuring life and property of cooperatives
and their members;
14
15. (r) Transport Cooperative : is one which includes land
and sea transportation, limited to small vessels, as
defined or classified under the Philippine maritime
laws, organized under the provisions of RA 9520;
(s) Water Service Cooperative : is one organized to
own, operate and manage waters systems for the
provision and distribution of potable water for its
members and their households;
15
16. (t) Workers Cooperative : is one organized by
workers, including the self-employed, who are at the
same time the members and owners of the enterprise. Its
principal purpose is to provide employment and
business opportunities to its members and manage it in
accordance with cooperative principles; and
(u) Other types of Cooperatives : as may be determined
by the Authority.
16
17. Cooperative shall be categorized according to
membership and territorial consideration. In terms of
membership, cooperatives shall be categorized into:
Primary-the members of which are natural persons.
Secondary-the members of which are primaries.
Tertiary-the members of which are secondary
cooperatives.
17
18. Thus, those with cooperative memberships are
considered federations or unions as the case may be. In
terms of territory, cooperatives shall be categorized
according to areas of operation which may or may not
coincide with the political subdivisions of the country.
Those organized by minors shall be considered a
laboratory cooperative and must be affiliated with a
registered cooperative. It is governed by special
guidelines promulgated by the CDA.
18
19. A cooperative has two kinds of members: regular
members and associate members.
A regular member is one who has complied with all the
membership requirements and entitled to all the rights
and privileges of membership as stated in the
Cooperative Code and the cooperative by laws.
An associate member has no right to vote and be voted
upon and is entitled only to such rights and privileges
provided by the cooperative's by laws.
19
20. Cooperative registered under R.A. 9520 can enjoy the
following privileges:
(1) Cooperatives shall enjoy the privilege of depositing
their sealed cash boxes or containers, documents or any
valuable papers in the safes of the municipal or city
treasurers and other government offices free of
charge, and the custodian of such articles shall issue a
receipt acknowledging the articles received duly
witnessed by another person;
20
21. (2) Cooperatives organized among government
employees, notwithstanding any law or regulation to the
contrary, shall enjoy the free use of any available space
in their agency, whether owned or rented by the
Government;
(3) Cooperatives rendering special types of services and
facilities such as cold storage, ice
plant, electricity, transportation, and similar services and
facilities shall secure a franchise therefor, and such
cooperatives shall open their membership to all persons
qualified in their areas of operation;
21
22. (4) In areas where appropriate cooperatives exist the
preferential right to supply government institutions and
agencies rice, corn and other grains, fish and other
marine products meat, eggs, milk, vegetables, tobacco
and other agricultural commodities produced by their
members shall be granted to the cooperatives
concerned;
(5) Preferential treatment in the allocation of fertilizers
and in rice distribution shall be granted to cooperatives
by the appropriate government agencies;
22
23. (6) Preferential and equitable treatment in the
allocation or control of bottomries of commercial
shipping vessels in connection with the shipment of
goods and products of cooperatives;
(7) Cooperatives and their federations, such as market
vendor cooperatives, shall have preferential rights in
management of public markets and/or lease of public
market facilities, stall or spaces;
23
24. (8) Credit cooperatives and/or federations shall be
entitled to loans, credit lines, rediscounting of their loan
notes, and other eligible papers with the Development
Bank of the Philippines, the Philippine National Bank, the
Land Bank of the Philippines and other financial
institutions except the Central Bank of the Philippines;
(9) Cooperatives transacting business with the
Government of the Philippines or any of its political
subdivisions or any of its agencies or
instrumentalities, including government-owned and
controlled corporations shall be exempt from pre-
qualification bidding requirements; and
24
25. (12) shall have the preferential right in the management
of the canteen and other services related to the
operation of the educational institution where they are
employed: Cooperatives organized by faculty members
and employees of educational institutions Provided, That
such services are operated within the premises of the
said educational institution; and
25
26. (13) The appropriate housing agencies and government
financial institutions shall create a special window for
financing housing projects undertaken by
cooperatives, with interest rates and terms equal to, or
better than those given for socialized housing projects.
This financing shall be in the form of blanket loans to
qualified cooperatives, without need for individual
processing.
26
27. Organizing a cooperative can be complex and simple.
It requires an understanding of the basic needs of the
prospective cooperative members. It demands
patience from the organizer who must make the
cooperative's long-term goals and objectives, and its
visions a real part of the members' lives.
But it can be too easy because the Cooperative Code
of the Philippines (RA 6938) has devised very clear-cut
steps for the cooperative organizer and members. The
following are the basic information that the prospective
members should understand before organizing a
cooperative.
27
28. There are nine (9) steps
suggested in setting up a
cooperative.
28
29. FIRST. Get organized. You must have at least 15
members to do that. At once determine the common
problems you would want solved and the basic needs
you would want provided for through a cooperative.
You may want to include increasing your
production, marketing your produce, credit
assistance, power generation, banking or insurance and
other similar needs.
29
30. Determining your problems and needs will also help you
classify the kind of cooperative you will be organizing.
Even before a cooperative is set up, a dedicated core
group people who will do all the organizational and
paper works is a must. From this core group, working
communities may be formed to set things moving. These
committees may include
membership, finance, executive, secretariat to name a
few.
30
31. SECOND. Reserved your proposed cooperative name.
Secure and fill up Cooperative Name Reservation
Request Form (CNRRF). This must be submitted to CDA
Central Office or any of its Extension Office. A
reservation fee shall apply.
31
32. THIRD. Prepare a general statement called an
economic survey. Economic Survey is a general
statement describing, among others, the structure and
purposes of the proposed cooperative. The structure
and actual staffing pattern shall include a bookkeeper.
This should indicate the area of operation, the size of
membership and other pertinent data in a format
provided by the Authority.
32
33. FOURTH. Prepare the cooperative's by-laws. The by-laws
contain the rules and regulations governing the
operation of the cooperative.
33
34. FIFTH. Prepare the articles of cooperation. Mandatory
contents of the articles of cooperation are the
following:
(a) the name of the cooperative, which must include
the word "cooperative";
(b) the purpose or purposes and scope of business for
which the cooperative is to be registered;
(c) the term of existence of cooperative;
34
35. (d) the area of operation and the postal address of its
principal office;
(e) the names, nationality and the postal addresses of
the registrants;
(f) the common bond of membership;
(g) The list of names of the directors who shall manage
the cooperative; and
35
36. (h) The amount of its share capital, the names and
residences of its contributors, and a statement of
whether the cooperative is primary, secondary or
tertiary. The articles of cooperation shall be signed by
each of the organizers and acknowledged by them if
natural persons, and by the chairpersons or secretaries, if
juridical persons, before a notary public. .
36
37. SIXTH. Secure bond of accountable officer(s). A surety
bond should be secured from a duly registered
insurance or bonding company. Every director, officer
and employee handling funds, securities or property on
behalf of the cooperative shall be covered by this. The
board of directors shall determine the adequacy of such
bonds.
37
38. SEVENTH. Execute Treasurers Affidavit. A sworn statement
of the treasurer elected by the subscribers showing that
at least twenty-five per centum (25%) of the authorized
share capital has been subscribed, and at least twenty-
five per centum (25%) of the total subscription has been
paid should be executed and to be attached to the
articles of cooperation. The paid-up share capital shall
not be less than Fifteen thousand pesos (P15,000.00)..
38
39. EIGHTH. Complete the Pre-Membership Education
Seminar (PMES). A prospective member of a primary
cooperative must have completed a Pre-Membership
Education Seminar (PMES). A Certificate of PMES must
be secured from the training provider.
39
40. NINTH. Register your cooperative with the Cooperative
Development Authority (CDA).. Submit the following
required documents in four (4) copies:
Four (4) copies each of the Economic Survey, Articles of
Cooperation and By-Laws duly notarized;
1. Economic Survey;
2. Articles of Cooperation and By-Laws;
3. Surety bond of accountable officers;
4. Treasurer's Affidavit;
5. Approved Cooperative Name Reservation Slip;
6. Certificate of PMES;
40
41. The Cooperative Development Authority (CDA) is the
sole government agency mandated to register all types
of cooperatives. Its main office is located at 827 Aurora
Blvd., Immaculate Conception, Quezon City.
Prospective cooperatives must submit their application
to the CDA Extension Office where the principal office of
the cooperative is located.
41
42. The following are the amount of fees to be paid for the
registration of cooperatives per CDA per Memorandum
Circular 2004-07, Series of 2004:.
The initial registration fee to be imposed shall be 1/10 of
1% of the authorized share capital or the basic fee
below whichever is higher:.
42
44. But it can be too easy because the
Cooperative Code of the Philippines (RA
6938) has devised very clear-cut steps for the
cooperative organizer and members. The
following are the basic information that the
prospective members should understand
before organizing a cooperative.
44