Coop

joint ManagementSubmitted By Cherlyn Ohoy Submitted To Ms. Crispina Corpuz meshing of Submission October 15, 2012 AMPC FOCCUS COOP Background of the conjunctive FOCCUS(Finance Organization achieving Certified reliance Federal stock)is a brand awarded to AMPC by the World Council of opinion partnership based in the unit of measuremented States through CUES (Credit Union Empowerment and modify) abide 2003. Being mark a FOCCUS coop is a stamp of syndicate and a seal of guarantee of the divideicles pecuniary investment security, as hearty as, its excellent, efficient and quality gain. History of the conjunctFounded inJune 19, 1991by21mart VENDORSin Agdao Public Market Contribution per pi oneer segment was P3,000for a total section working capital of P63,000 Old name wasAGDAO MARKET VENDORS MULTI-PURPOSE COOPERATIVE(AMVMPC) incumbrance reputes A Action-orientedC Competency G GenerosityO Organized D DisciplineO Open-mindedness A AccountabilityP Perseverance O Optimis m The Mission and quite a little * charge * To uplift the quality of life of its members through the provision of quality products and serve and unremitting promotion of cooperativism. VISION * A dynamic, strong and sustainable cooperative in Mindanao, whose members are empowered and working together in a spirit of cooperation, social justice, equity and peace towards total human development. How to pith * Attend one hour free Pre-membership readingal Seminar (PMES) at both AMPC Office. Scheduled daily (morning and afternoon). * Fill-up Application Form for social rank and attached close new-fangled photo ID. (1 pc. 1X1 and 1 pc. 2X2). * Submit photocopy of Birth security department or Marriage Contract. * Pay the call for amount of Membership Contribution.The Products and service Offered * PRODUCTS * SAVINGS DEPOSIT(Earns 4. 5% per annum) * YOUTH SAVINGS (1 month everywhere-the-hill to 17 years old) * REGULAR SAVINGS (18 years old and above) condemnation DEPOSIT pr escribed condemnation desexualise RANGE OF AMOUNTS Months 3 6 9 12 3 YEARS (net of tax) 10,000 20,000 5% 6% 7% 8% 8% 20,001 50,000 6% 7% 8% 9% 9% 50,001 100,000 7% 8% 9% 10% 10% 100,001 400,000 8% 9% 10% 11% 11% 400,001 900,000 9% 10% 11% 12% 12% 900,001 & ABOVE 10% 11% 12% 13% 13% . * TERMS 3 to 12 months period are subject to tax.Three years period are withdrawable solo upon maturity and tax free. grade are subject to change without antecedent notice. * SpecialTime secure TERMP1,000 9,999 has 6% interest per annum. SHARE CAPITAL Minimum piece of ground is P1,000 Minimum of 10% interest per annum (dividends) Not withdrawable. * LOAN PRODUCTS 1. Capacity-based(max of P500,000. 00) 2. Providential 3. hoidenish 4. Commercial 5. Real Estate Interest rate of 3% per month based on diminishing balance or 1. 623% per month efficient rate. Affordable repayment terms 12-24 months. Emergency bestow -Based on get by Capital (max of P5,000. 0). * MORTUARY AID TRUS T FUND P15 contribution per fixing Member. P5 contribution per Associate Member. Pro-rated contribution for less than a year member. * function 1. BOTIKA NG KOOPERATIBA * Gamot na Mura, Epektibo Pa 2. LIFE insurance * Group feel and Accident with Fire Insurance (GLAFI) Annual agiotage P250. * GADDI-Annual pension P230 service P20,000. * Coop AKSI envision Annual Premium P100 Benefir P20,000. * Keyman Accident Protector Plan for as low as P1,800 per annum with P1,000,000 coverage. * AMPC Family Insurance Annual Premium P150. 3.NON-LIFE INSURANCE * Fire Insurance Cash Assistance (FICA) * Home Protek500 Annual Premium of P500 pesos. * Home Assure for as low as P1,905 Annual Premium. * Standard Fire Insurance/Motor Car Insurance. 4. HEALTH CARE (Annual Premium P1,300) * Unlimited Consultation for Member and Members immediate dependents. * Unlimited Basic testing ground dish outs and Diagnostic Procedures for members only. Hospital confinement-in-patient. * Health Care cover age on top of PhilHealth P1,500 per day or P20,000 aggregate per year and another operative benefit of P10,000 aggregate per year.Social Responsibilities 1. 2. SCHOLARSHIP PROGRAM 3. Technical Education Assistance 4. FEEDING PROGRAM 5. BLOOD BANK 6. Dugo Mo, Kinabuhi Ko 7. bull DISPERSAL PROGRAM 8. ADOPT-A-SITE 9. LIVELIHOOD SEMINARS Financial Highlights * Operation Highlights as of celestial latitude 31, 2008 * MEMBERSHIP * DEPOSITS * SHARE CAPITAL * REVENUE * ASSETS GROWTH * NET bare TAGUM COOPERATIVE Background of the co-op Tagum accommodating has also now ventured into funeral service known as funecare. According to Tagum Coop Chairperson Norma R.Pereyras, the funecare is intended to answer to its members clamor for a womb-to-tomb complete service to them. The funecare service has change in the gap toward a total member service satisfaction. Tagum concerted gives value to its industry name. It is sensitive to its public image as a top-ranked cooperative. It does not sit on its laurels. It continues to innovate to benefit its members. And despite its immensity in the sector, it has kept its humility as an institution. No wonder, it has evolved into a baby-sit and well-respected cooperative. I lead not be surprised if Tagum conjunct is say the better managed coop in the entire Filipinos or in this part of Asia. To our mind, it is a fact waiting to happen in just a matter of era, the CDA regional director concluded. History of the cooperative Almost xl yearsago,Tagum Cooperativewas just an obscure, self-surviving money lending institution. Now, it is a initiatory nest egg and Credit Cooperative recently adjudgedWinnerboth inRegional and internal Categories of the Business Excellence Award for Sm exclusively and forte enterprise (SMEs) organized by the Philippines Small and Medium Business instruction Foundation, Inc. PHILSMED) The Business Excellence Award for SMEs was received by the Tagum Cooperative Chairperson, Ms. Norma R. Pereyras, he rself a Regional and National Awardee for Outstanding Volunteer for Best Practices, 2002, along with theTagum Cooperative Vice-Chairperson, Ms. Monica L. Salido and Manager, Ms. Juris D. Perez, CPA, MBA. The said Award was given by the representative of the The Secretary of surgical incision of Trade and Industry (DTI), Hon. Peter B. Favila, together with Ms. Mina T. Gabor, Ph. D. , President of Philippine Small and Medium Business Development Foundation, Inc. PHILSMED), Usec. Hon. Lecira V. Juarez, Chairperson, Cooperative Development potentiality (CDA), Mr. Cresencio Selipara, 1stVice-President- Landbank of the Philippines, Mr. Donald Patrick Lim, Vice-President for Marketing- Philippine unremarkable Inquirer and Ms. Agnes Celeste D. Fernando, Head SME Channel Distribution, ground Telecom on October 6, 2005 at the Philippine International Convention kernel (PICC), Reception Hall, which was attended by more or less 1,300 cooperators all over the country. Other Awardees/ Recipi ents for the National Category were R. A.Gapuz Review Center- Manila, Lighthouse Cooperative, Inc. Cagayan, Mabini Limers and Farmers Multi-purpose Cooperative,Inc. Guimaras and parvenu Central Woodcraft- Iligan City, of which Tagum Cooperative garnered the highest points. Tagum Cooperators belief in the value of work in service has brought the great twist. From its humble beginning asHoly Name Society (HNS) of Tagum Parish in May, 1967with only a smattering Members and an available Share Capital of only P80. 00,Tagum Cooperativehad slowly stepped up to the limelight, now, conveniently servingits more than 26,000 members, of which 61. 0% composed of Woman-Members, coming from Tagum City and its nearby provinces and cities, witha laudable P475. 1 one thousand thousand in Assets,No outside Borrowingsfor the last cinque years. Now, Tagum Cooperative has a computed loan Portfolio of P317. 1 Millionthat served over 160,000 households in coordination and tie up with Local brass Uni t (LGU) that had helped and support in addressing the frugal problem. onlyeviating them from poverty line and upgrading their social, educational and wellness status.It was branded aFinance Organization achieving Certified Credit Union Standards (FOCCUS)in the year 2000 by theWorld Council of Credit Unions (WOCCU),based in the United States of America (USA), through its outreaching- cooperative program office in the Philippines, popularly known as theCredit Union Empowerment and Strengthening (CUES)- Philippines, which comport become the tenets of the Cooperative in its operations, programs, and policies, thus Tagum Cooperative as World Class savings and credit cooperative provides the necessary surround for the safe and security of the members money, giving the highest interest evaluate on their stays and savings through the adoption of a sound, effective and blind drunk financial management.Today,Tagum Cooperativeis among the prime movers of the Countrys Cooperative Movement , cosmos one of the take and most active affiliates of theNational Confederation of Cooperatives (NATCCO), Mindanao bond of Self-help Societies- Southern Philippines Educational Cooperative Center (MASS-SPECC) and put Credit electronic internet (MCN). Moreover, Tagum Cooperative is a leading advocate in the province in empowering or providing opportunities and protection to women through itsGender and Development and Family Enrichment Program, nest egg and Credit with Education (SCWE) Program, wherein 1,707 Woman-Members have availed of P4. 2 Million worth of loans for their livelihood or income-generating projects,Tagum Cooperative Womens Livelihood Association, Inc. (TCWLAI)wherein 70 members have availed the technology of snapper and food processing and undersurfacedle making, thus, itaimed at augmenting their respective familys income.All of these achievements are made possible because Tagum Cooperative stand firm to its freight to extend the best service to its member s and that each member testament be proud of being a part of Tagum Cooperative. Thru good governance by its able Officials, empowered Management lag and well informed membership, Tagum Cooperative is posed continue its active participation as a Cooperative and as a partner of the government in progress and economic development of the Province of Davao del Norte, the neighboring provinces and the Philippine Cooperative sector in general. Core values T Trustworthness A Accountability G nigh(a) Centered U- Unity M Member Friendly C competency O OptimismO Openness P Passion The Mission and Vision * MISSION * To promptly delivered innovative and responsive products and services to a member in a secured financial purlieu * VISION * Tagum Cooperative is the best One-Stop-Shop Cooperative for total member care. How to join * STEP 1. Attend one (1) hour Pre-Membership Orientation from Monday to emailprotected 900-1000 A. M. or 400-500 P. M. * STEP 2. Fill-up Membership Applicati on Form and submit it with 2 pcs 22 recent colored picture with your name and date. * STEP 3. Pay the required amount, as follows Membership fee 200. 00 Mortuary Fee 480. 00 Initial Share Capital desexualize 500. 00Initial Regular Savings Deposit 500. 00 Registration Fee (Savings Loan Seminar 100. 00 Members ID Card 20. 00 TOTAL 1,800. 00 The Products and operate Offered * PRODUCTS * Regular Savings A compulsory savings to all TC Members. It is a liquid savings account with no contractual maturity and can be withdrawn anytime with a minimum maintaining balance of Php 500 and pass on earn 4% interest per annum based on the second-rate Daily Balance (ADB). It has a specially designed bankbook issued upon opening of the account. Depositors who religiously succeed regular savings will have the chance to be awarded Savings Depositor of the Year during the Annual General Assembly. active Savers of Regular Savings will get specially designed promo items. * Share Capital A compulsor y deposit to all members. It has a minimum plowshare required to be completed within 2 years from date of membership. The share capital deposit cannot be withdrawn unless Member will move his/her membership. Interest Rate 8,000 and up = 7% per annumInitial Deposit Php500. 00Minimum requirement Php8,000. 00CharacteristicsA cumpulsory deposit to all members. Php8,000 minimum share required to be completed within 2 years from date of membership. Share Capital Deposit cannot be withdrawn unless Member will terminate his/her membership.Earns divided off from the guaranteed interest. A specially designated passbook is issued upon opening an account. Depositors who religiously observe continuous share capital build-up will have the chance to be awarded Share Capital Depositor of the Year during the Annual General Assembly. through and through point system, depositors will get specially designedpromoitems. * Youth Savers social club A savings product forkids 0-12 years old with a spe cially designedpassbookissued upon opening an account. It has a minimum ofP50. 00 to openan account and maintaining balance is P 50. 00 and will earn 4% interest per annum based on the Average Daily Balance (ADB).Member will receive boon items upon sign the application form as Tagum Coop * Power Teen Savers Club A savings products for teens 13-17 years old with especially designed passbook issued upon opening an account. Minimum of 50. 00 pesos to open an account. Maintaining balance is 50. 00Member will receive confront items upon signing the application from as Tagum Coops way of welcoming new members. Diligent savers will receive specially-designed items that can be used at base of operations or at school. The more the teens save the more rewards they get. Depositors who religiously observe Power Teen Savers Program will have the chance to be awarded Power Teen Savers of the Year during the Annual General Assembly.This is the perfect gift that the parents, grandparents, uncle s/aunts, godparents, brothers/sisters can give to their children, nephews, nieces, grand children on graduation, Christmas, birth eld, etc. * Time Deposit A special time deposit certificate is issued to the member for every(prenominal) account opened. Interest on deposits varies depending on the amount, the longer the term and amount, the high the interest rate. Upon maturity date, the member may renew the said timedeposit account , however if the membermisses to renew his/her time deposit on maturity date, Tagum Cooperative isauthorized to automatically roll over the said time deposit with the same term and rate.In drive a member decides to terminate the time deposit account prior to maturity date, Tagum Cooperative will subject themembers Time Deposit to 4% interest p. a. Diligent Savers of Time Deposits will have the chance to be awarded TimeDepositor of the Year during the AnnualGeneral Assembly. * Pabilisang Savings para sa mga Drivers Advocacy (PaSaDA) Aims to encourage drivers to start a daily habit of saving and realize their desire to build up a incident fund. Interest Rate 4% per annumInitial Deposit Php30. 00Initial Share Capital(for non members) Php250. 00 * Golden police van TERM P 1,000. 00 to 100,00. 00 P 100,001. 00 to 250,000. 00 P 250,001. 00 to500,000. 00 P 500,001. 00 to 1,000,000. 00 1,000,001. 00 and above 30-89 days 5. 00% 5. 50% 5. 0% 5. 50% 5. 50% 90 179 days 6. 00% 6. 50% 7. 00% 7. 50% 7. 50% 180 359 days 6. 50% 7. 00% 7. 50% 8. 00% 8. 50% 360 719 days 7. 50% 8. 00% 8. 50% 9. 00% 9. 50% 720 days 8. 50% 9. 00% 9. 50% 10. 00% 10. 50% * LOAN PRODUCTS 1. Major Loan * Regular Loan (RL) * Government Employees Special Loan (GESL ) * Private Employees Special Loan (PESL ) * Convenient Loan (CL) * TC Income-Generating Service Loan (TC-IGSL) * Special Credit Line Service Loan (SCLS) 2. Minor Loan * Cash Advance (CA) * Emergency Loan (EL) 3. Special Loan * Instant Loan Bonanza * Micro-Finance Loan * eudaimonia Loan Appliance and Fu rniture Loan * Travel loan * work 1. Special Programs * Savings and Credit with Education (SCWE) * AFLATOUN * TC Youth science lab Cooperative Article * TC Womens Livelihood Cooperative(TCWLC) 2. Members Benefits and Assitance (MBA) * Himsug Pamilya Program (HPP) 3. Coop Funecare 4. adjunct Financial Sercvice * Inquiry Machine * Pinoy Coop ATM * TC collecting Service Center (Bayad Center) Financial Highlights PANABO MULTI-PURPOSE COOPERATIVE Background of the Cooperative Panabo Multi-Purpose Cooperative (PMPC) operates and advocates the values of self-help, self responsibility, democracy, equality, equity and solidarity.In the tradition of its founders, cooperative Members, Officials and Staff believe in the ethical values of honesty, openness, social responsibility and sympathize with for others and the community. PMPC is a financial service, member-owned Cooperative dedicated to provide the financial inescapably of its members since 1965. PMPC is a Finance Organizations achi eving Certified Credit Union Standard (FOCCUS) branded cooperative. It has achieved International Prudential Standards on Financial Ratios designed to protect members assets which will ensure operational sustainability and quality of member service. PMPC is implementing the MCUB methodology.MCUB ( dumbfound Credit Union Building) is a technology designed to transform a COOPERATIVE into a Model Credit Union (MCU) which adheres to Financial Disciplines where Members money is safe and protected. PMPC is a leading affiliate of the largest and strongest confederation of cooperatives in the Philippines which is the National Confederation of Cooperatives or NATCCO, with National Headquarters located at 227, J. P. Rizal Street, Project 4, Quezon City, Metro Manila the Mindanao shackle of Self-Help Societies-Southern Philippines Educational Cooperative Center (MASS-SPECC) based in Cagayan de Oro City and, the Model Cooperative Network (MCN), situated at Rm. 324 GB Cam Bldg. , Monteverde St. Davao City, the official network of the FOCCUS branded cooperatives in Mindanao. PMPC is a bonafide member and staunch supporter of COOP-NATCCO PARTY-LIST, the only Party-List in Philippine Congress that represents the true voice of the Philippine Cooperative Sector and the underprivileged workers and small business entrepreneurs. History of the cooperative Through the zealous effort of Panabo Parish Priest Fr. Eugene Simon, PMPC was organized with 15 founding cooperators with a combined initial share capital of seven thousand five hundred pesos (P 7,500. 00) in 1965. Today, through prudent management adherence to financial disciplines,PMPC has magnified its growth by over 25,000 member-user strength and P312 million in assets (as of July 2008). Core values The Mission and Vision * MISSION * * VISION * The Products and Services Offered * PRODUCTS * * SERVICES 1. Financial Highlights Background of the Cooperative History of the cooperative Core values The Mission and Vision * M ISSION * To promptly delivered innovative and responsive products and services to a member in a secured financial environment * VISION The Products and Services Offered * PRODUCTS * SERVICES Financial Highlights Sources * http//agdaompc. webs. com/ * http//www. tagumcoop. org/index. php/aboutus * http//WWW. panabocoop. org