Coop

accommodative ManagementSubmitted By Cherlyn Ohoy Submitted To Ms. Crispina Corpuz particular date of Submission October 15, 2012 AMPC FOCCUS COOP undercoat of the cooperative FOCCUS(Finance Organization achieving Certified belief nitty-gritty Standard)is a brand awarded to AMPC by the World Council of commendation uniting found in the United States through CUES ( course credit Union authorisation and Strengthening) choke 2003. Being branded a FOCCUS coop is a stamp of secernate and a seal of guarantee of the parts financial investment security, as come up as, its excellent, efficient and quality answer. memoir of the accommodativeFounded inJune 19, 1991by21 commercialize VENDORSin Agdao Public Market Contribution per pioneer particle was P3,000for a total carry on Capital of P63,000 Old name wasAGDAO MARKET VENDORS MULTI-PURPOSE concerted(AMVMPC) Core values A Action-orientedC Competency G GenerosityO Organized D DisciplineO Open-mindedness A AccountabilityP Perse verance O Optimism The commissioning and Vision * representation * To uplift the quality of life of its members through the provision of quality products and work and continuous promotion of cooperativism. VISION * A dynamic, strong and sustainable cooperative in Mindanao, whose members are empowered and working together in a spirit of cooperation, societal salutaryice, equity and peace towards total human development. How to total * watch one hour free Pre-membership Educational Seminar (PMES) at whatever AMPC Office. Scheduled daily (morning and afternoon). * Fill-up Application Form for partship and attached about recent photo ID. (1 pc. 1X1 and 1 pc. 2X2). * Submit photocopy of Birth surety or Marriage Contract. * devote the involve amount of Membership Contribution.The Products and operate Offered * PRODUCTS * SAVINGS DEPOSIT(Earns 4. 5% per annum) * YOUTH SAVINGS (1 month centenarian to 17 course of instructions old) * REGULAR SAVINGS (18 historic period old and above) clip DEPOSIT invariable metre fix RANGE OF AMOUNTS Months 3 6 9 12 3 YEARS (net of tax revenue) 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 Three to 12 months period are correction to tax.Three years period are withdrawable only upon maturity and tax free. Rates are subject to change without prior notice. * Special cartridge holder sterilize TERMP1,000 9,999 has 6% sake per annum. SHARE CAPITAL negligible share is P1,000 Minimum of 10% interest per annum (dividends) Not withdrawable. * LOAN PRODUCTS 1. Capacity- found(max of P500,000. 00) 2. inspired 3. Agricultural 4. Commercial 5. Real Estate Interest rate of 3% per month based on diminishing eternal sleep or 1. 623% per month rough-and-ready rate. Affordable repayment names 12-24 months. Emergency loan -Based on mete out Capi tal (max of P5,000. 0). * MORTUARY AID TRUST FUND P15 part per Regular Member. P5 contribution per Associate Member. Pro-rated contribution for little than a year member. * SERVICES 1. BOTIKA NG KOOPERATIBA * Gamot na Mura, Epektibo Pa 2. LIFE INSURANCE * conclave Life and Accident with Fire Insurance (GLAFI) one-year pension P250. * GADDI-yearly pension P230 Benefit P20,000. * Coop AKSI Plan yearly Premium P100 Benefir P20,000. * Keyman Accident withstander Plan for as low as P1,800 per annum with P1,000,000 insurance 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 complaint (Annual Premium P1,300) * Unlimited Consultation for Member and Members immediate dependents. * Unlimited primary Laboratory Services and Diagnostic Procedures for members only. Hospital confinement-in-patient. * Health Care coverage on top of PhilHealth P1,500 per day or P20,000 aggregate per year and another(prenominal) surgical benefit of P10,000 aggregate per year.Social Responsibilities 1. 2. SCHOLARSHIP PROGRAM 3. expert Education Assistance 4. FEEDING PROGRAM 5. BLOOD BANK 6. Dugo Mo, Kinabuhi Ko 7. HOG DISPERSAL PROGRAM 8. ADOPT-A-SITE 9. LIVELIHOOD SEMINARS Financial Highlights * Operation Highlights as of December 31, 2008 * MEMBERSHIP * DEPOSITS * SHARE CAPITAL * REVENUE * ASSETS GROWTH * bring in SURPLUS TAGUM COOPERATIVE Background of the accommodative Tagum reconciling has also straight ventured into funeral benefit known as funecare. According to Tagum Coop Chairperson Norma R.Pereyras, the funecare is mean to respond to its members clamor for a womb-to-tomb complete service to them. The funecare service has filled in the gap toward a total member service satisfaction. Tagum conjunctive gives value to its industry name. It is sensiti ve 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 in spite of its greatness in the sphere, it has kept its humility as an institution. No wonder, it has evolved into a model and well-respected cooperative. I lead not be surprised if TagumCooperative is declared the best managed coop in the entire Philippines or in this part of Asia. To our mind, it is a fact waiting to happen in just a matter of time, the CDA regional director concluded. chronicle of the cooperative well-nigh forty yearsago,Tagum Cooperativewas just an obscure, self-surviving money lending institution. Now, it is a world-class nest egg and identification Cooperative recently adjudgedWinner two inRegional and National Categories of the billet Excellence Award for pocket-size and Medium enterprise (SMEs) organized by the Philippines Sm altogether and Medium Business ontogenesis Foundation, Inc. PHILSMED) The Business Excellen ce Award for SMEs was gatherd by the Tagum Cooperative Chairperson, Ms. Norma R. Pereyras, herself a Regional and National Awardee for Outstanding Volunteer for Best Practices, 2002, on 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 secretarial assistant of Department of Trade and Industry (DTI), Hon. Peter B. Favila, together with Ms. Mina T. Gabor, Ph. D. , chairman of Philippine Small and Medium Business Development Foundation, Inc. PHILSMED), Usec. Hon. Lecira V. Juarez, Chairperson, Cooperative Development Authority (CDA), Mr. Cresencio Selipara, 1stVice-President- Landbank of the Philippines, Mr. Donald Patrick Lim, Vice-President for Marketing- Philippine Daily Inquirer and Ms. Agnes Celeste D. Fernando, Head SME melody Distribution, Globe Telecom on October 6, 2005 at the Philippine International figure Center (PICC), Reception Hall, which was attende d by more than or less 1,300 cooperators all over the country. Other Awardees/ Recipients for the National Category were R. A.Gapuz Review Center- Manila, radio beacon Cooperative, Inc. Cagayan, Mabini Limers and Farmers Multi-purpose Cooperative,Inc. Guimaras and New Central Woodcraft- Iligan urban center, 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 base asHoly Name Society (HNS) of Tagum Parish in May, 1967with only a handful Members and an available partake in Capital of only P80. 00,Tagum Cooperativehad belatedly 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 obligations and cities, witha laudable P475. 1 Million in Assets,No External Borrowingsfor the last five years. Now, Tagum Cooperative has a computedLoan Portfolio of P317. 1 Millionthat served over 160,000 households in coordination and tie up with Local political sympathies Unit (LGU) that had helped and support in addressing the economic problem. Alleviating them from poverty line and upgrading their social, educational and health status.It was branded aFinance Organization achieving Certified credit entry 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 government agency in the Philippines, popularly known as theCredit Union Empowerment and Strengthening (CUES)- Philippines, which discombobulate become the tenets of the Cooperative in its operations, programs, and policies, thus Tagum Cooperative as World Class savings and credit cooperative give ups the undeniable environment for the in effect(p) and security of the members money, giving the highest interest rates on their depositions and savings through the adoption of a sound , effective and rigid financial way.Today,Tagum Cooperativeis among the prime movers of the Countrys Cooperative Movement, being one of the leading and most active affiliates of theNational fusion of Cooperatives (NATCCO), Mindanao Alliance of Self-help Societies- Southern Philippines Educational Cooperative Center (MASS-SPECC) and Model Credit Network (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 schedule, Savings and Credit with Education (SCWE) Program, wherein 1,707 Woman-Members view availed of P4. 2 Million worth of loans for their keep or income-generating projects,Tagum Cooperative Womens Livelihood Association, Inc. (TCWLAI)wherein 70 members have availed the technology of meat and food processing and candle making, thus, itaimed at augmenting their respective familys income.All of these achievements are made possible beca use Tagum Cooperative stand menage to its commitment to extend the best service to its members and that each member depart be proud of being a part of Tagum Cooperative. Thru good ecesis by its able Officials, empowered Management Staff and well intercommunicate membership, Tagum Cooperative is posed continue its active participation as a Cooperative and as a partner of the government in ramp up 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 Good Centered U- Unity M Member Friendly C Competence O OptimismO Openness P Passion The Mission and Vision * deputation * To now delivered innovative and responsive products and services to a member in a secured financial environment * 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 email&160protected 900-1000 A. M. or 400-500 P. M. * STEP 2. Fill-up Membership Application Form and submit it with 2 pcs 2&2152 recent colored picture with your name and date. * STEP 3. Pay the required amount, as follows Membership Fee 200. 00 Mortuary Fee 480. 00 sign Share Capital Deposit 500. 00Initial Regular Savings Deposit 500. 00 Registration Fee (Savings Loan Seminar 100. 00 Members ID Card 20. 00 summarise 1,800. 00 The Products and Services Offered * PRODUCTS * Regular Savings A compulsory savings to all TC Members. It is a liquid savings peak with no contractual maturity and can be withdrawn anytime with a marginal maintaining balance of Php 500 and will earn 4% interest per annum based on the Average Daily Balance (ADB). It has a oddly knowing bankbook issued upon opening of the account. Depositors who sacredly observe regular savings will have the incur to be awarded Savings Depositor of the Year during the Annual public Assembly. wide awake Savers of Regular Savings will get specially designed promo items. * Share Capital A compulsory deposit to all members. It has a minimum share required to be completed within 2 years from date of membership. The share capital deposit cannot be withdrawn unless Member will can 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 aside 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. finished point system, depositors will get specially designedpromoitems. * Youth Savers niner A savings product forkids 0-12 years old with a specially 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 gift items upon signing the application form as Tagum Coop * ability Teen Savers Club A savings products for teens 13-17 years old with curiously designed passbook issued upon opening an account. Minimum of 50. 00 pesos to open an account. Maintaining balance is 50. 00Member will receive gift items upon signing the application from as Tagum Coops way of have new members. Diligent savers will receive specially-designed items that can be employ at home 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 p erfect gift that the parents, grandparents, uncles/aunts, godparents, brothers/sisters can give to their children, nephews, nieces, grand children on graduation, Christmas, birthold age, etcetera * Time Deposit A special time deposit security is issued to the member for every account opened. Interest on deposits varies depending on the amount, the yearner the term and amount, the higher the interest rate. Upon maturity date, the member may reclaim the said timedeposit account , however if the membermisses to reform his/her time deposit on maturity date, Tagum Cooperative isauthorized to mechanically roll over the said time deposit with the same term and rate.In case 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 contingency fund. Interest Rate 4% per annumInitial Deposit Php30. 00Initial Share Capital(for non members) Php250. 00 * Golden HEARTS 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 wage hike (CA) * Emergency Loan (EL) 3. Special Loan * Instant Loan roar * Micro-Financ e Loan * Benefit Loan Appliance and Furniture Loan * affect loan * SERVICES 1. Special Programs * Savings and Credit with Education (SCWE) * AFLATOUN * TC Youth Laboratory Cooperative Article * TC Womens Livelihood Cooperative(TCWLC) 2. Members Benefits and Assitance (MBA) * Himsug Pamilya Program (HPP) 3. Coop Funecare 4. Ancillary Financial Sercvice * Inquiry Machine * Pinoy Coop cash dispenser * TC Collection 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 customs duty of its founders, cooperative Members, Officials and Staff believe in the ethical values of honesty, openness, social responsibility and caring for others and the community. PMPC is a financial service, member-owned Cooperative dedicated to provide the financial needs of its members since 196 5. PMPC is a Finance Organizations achieving 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 (Model 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 alliance of Cooperatives or NATCCO, with National Headquarters located at 227, J. P. Rizal Street, Project 4, Quezon City, underground Manila the Mindanao Alliance 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 kibosh supporter of COOP-NATCCO PARTY-LIST, the only Party-List in Philippine Congress that represents the true juncture 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 septenary 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 military force 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 th e cooperative Core values The Mission and Vision * MISSION * 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