Ea$rlo Clty,

The

Philippines Volum 5, Issus { October - Dcccilcr 2003

BBCCCCooperative Community /Vgns and Features

"PROGRESS TIIROUGH T'I\[ITY AIID SERVICEWebsitc: bbccc onlina con

htsidc this issue:

BBCCC IS NO.2IN OWI\TERS'EQUITY NATIOIYWIDE

The National Cooperative Movement and the Hanns Seidel Foundation cmvenedth 2"d National Conferwe of Century Cooperatives in tslard Cove, BinakayarL lfuwit,Cavite last Novenrber 2l & 22,2003. The Baguio-Bengue Community Crdit Coopera-

tive was invitd to this exclusive group of 26 cooperatives ncimwi& wher€ only coqera-tives with a minimum rretrn'orth or rnenrber's €quity of me hrndred millim (PI00,000,000)pesos were invit€d. In August, 1999, there were 50 cooeeratives frqn all ovor tho cqrtrywho atte,nded the First National Cmference of Cennrry Coops. Th€ crileria then wasP100,000,000 in assets. BOD Chair Atty. Rendo C. Fsnrmdez md Gencral MeagprAmado Jesus F. Cfldaoa represented the cooperative. They were joined by Dir. Emerita C.Fuerte b'eiag a memb€r ofthe National Cooperative Movcm€ff.

The objectives oftbe Confere,nce were:1. To give due recognition to the century coops for their outstading achievermt.2. For the proponents of the integrated coop financial systenns to pt€s€tf thc dii

ferent fearrnes, reqgirements and plans of their respetive initiatives so that fucentury coop's can gainr fuller understanding ofthe alternatives.

3. For the century coops to share their best practiccs-and at tlte same timc discnrss

the challenges confioting them togettrer with their proposed solutions.

BBCCC'S POSITION IN THE COOPERATTVE INDUSTRYA research shrdy conducted by the Univenity of Asia and tbe Pacific m tbe staars

of operating cooperatives in ttre muntry has shoum a very good picture of the positio of

(Contimedongge II)

Cdirtrr fffi[U (BP?rcgrmo

frcC Dirstore AttsdSriarr in Coeoltir

lE Fr{ly &y &tlAo.tl..natECitorid: lriring th.

br of Co* ErcrllmrlW$[. Officrrr Eled

L it Tinc ftr.- th. trAlodd of lhtrfue €o+-rnt{rrr?

IFC Joiu ffiE3lJU lnthe crkbntion of Co-oprrrtin lortb

Thc Chalr Har Been EusyOn His Fest...

Vlstori

tbdrtc! on thc luil4ingCoortructioo ;or*l

Gllprcr of !t@C Yerr.rltk -.

Congratulations I

Froil th! l4anager's Dcsk..Lakbiy Ara'l 2003

Chrirtmc Gr..ting-Iishcc fr.or thc mn-bcru, nrnrgncnt strffmd officcg

Tcctlmulal- Frtrn Rcpeckcr to Frc-

tory Omcr- llrlc Errcry Loan You

Trk. Pr"o&Ettv.

AAprtlrrncntr

The EBCCC COOPSERVER october-Decerber 2(X)3

BBCCC Directors AttcndSeminar on Corporate Governence

five nembers of th€ B@r4 Di$. RScn Corpta EmyFuerb, fuury Rins, Gr€g Ardal, and0ca l*tenato, dtend€d eoFdry seminaron Corporate Gor/elnam bld sttb€ FilipininaIlsritage Library in lvlaLati City on Nurcder 7,200,3.

The s€,nimras coductcd by tb Pmessional Schools,

Inc. Cra&rde Schod of Budness, De I.a Sa& Uoi\E{dty &r lblvtctlo Sorth Coopcratlw Buk in lvlakati City. Arumd 13 mc,m-

bcr oqemtincs of nfi€fio Sout Cooper*irrc Bmk (I,ISCB),mdb Mefio-lvlanila base4 wcrc nereeeffid by a tcal of 36 +ope,ratiw lcadcrs.

The topie discussed wc: Coqeratirre Goternanoo tyProf. lvlcrcedes fuleik Adit, Coobols od Co'rylina by Ih.Celito lfracachoc nisk Managpm€d Oterview by lorgp ADodqStrategic ftidaooe b Dr. Bedarnin Eryirihq and Nminaion,Coryc,nsatioq Fcrformane Ermluation and C{pability BuildingFunctions of the Boad by Afiy. Ranulb Pqros.

Dr. Espirin dwett lengthily on thc fui€s ard fuiwl0f the Bdrd of Directors i! rclatim witb the Virdm*Iission dthe oorporation/ooopematirc. IIe ssit *Vision withCIrt aafon is a&eaq action without vision is passlng the tine; b'nt vision withaction can changc the corld-"

th N'ddptt p hc WattarMng Crydle Marpgdrrart ftorn WOa A@ l4e Chdr Anpy Rhnat, AIC Clnil Nrda Fb*, I*gCnt

$RauU Hngfrrgon d ClAr Aong Fqrcnda (rrit ttt tlts pcnn k Dtu.

Continuing NORWESLUCDAP Programme

The sod module of the Coqerative DfuwtorsAchievmt Program (CDAP) d NORWESLU took place attte Dalisay Fardise N€st R€so( Borffi$ Akla4 last Oct$er2d, 2003. Thfu rtill is pffit d thc long-rangs PrrdcgeionalizingCoqcrative I'fs4egurcd sc'bene of NORWESLU. This qasS€od€d by forty+ight participants rc,presenting elwen prina-des.

The scond mo&ile spcmcary hikl€d th€ topics: L€g-fulatiw Rosponcibility ad Lqisladve Ewironment discussd byEtsCCC Chair ASy. Renato Fernanfu; and Financial tvfanagFncnt and Analysis, discrssed in tandem by CDA Training Offi-q md NORWESLU Dircctor Eric Calixto and Mr. Rex heir-doL NmWESLtt Cffiffal lv{magrr. Fimsial statemcnts dthsFtflcieating prinades wre anaf5zed 'rsing the Pmdetrt Stan-drds.

Aftoding from BBCCC aside ftom Ctair Atong Fer-$s& were Vice Chair Aopy Rimas, Dir€ctors Oca Adversaloend RrSen Corpuz; AIC Chair Nida Flavier and l*gal Commit-tee Socfictary Ronald Linglingan,

Incidentalty Module Itr - Strategic Planning - was ofiercdlrst Nov.2t to Nw.30, 2003 at Palo, Leyto. Those who attendedwprc Chair Atong Fernandea Vice Chair Ampy Rinas, Dirs.Oca Adversalq Greg Andal" Rrfr€n Corprz and Erry Frcrte.

PERFECT PARTY PTATflERSo sfFy'cEsofFEiE

l. We.ddlng CoodlnotW, - Rltcs and xcegtbtrs (lUhl& lndude *tolrerand stag panies)

2. Wedding furnttasartet3. D&ttts4. iltthday Parties5. Mpttsm / Cttrtslfjntngs6. Fcuntons (famlly/sdtool)7. hryorau Fwtr';iotts (scminars, ottfzrcnes, ntnats)E. Cunpany Part'tes/Anniwrtarbs9. Prdrct Laudring10, lnat4uratlon of New &tslrcssI l, &ianventub/*s@lda Parti*12. kbyShuen13. Gradrwtton Parties

' tary Rosc'Penn' Fttfiqtcz-AgustlaTel Nos (074) 445-6643: Fax no. (O74) 3062820Mobile phone O9l 72078407

' Th elmq tuth Gaade:noAtfiileTel Nos. (074) 445-4060 / (074) 445-3OoEMobile phone 09l 75064654

'Uly D. Enrtqtez{ntzTet No. (074) 3OO2833Moble phone 091 75O6EO7tfr Dltws at ile tzyte Co{eew, fun lefi : Drs. Oca Advursalo, Grcg

h.r2|l|?q,9 f;tg Cluir Antpy Nnas;tDir. Ruben,Corptz, atd Chait

The BBCCC C()OPSERVER October-llecerber ?OO3 PrN. t

BBCCC Family Day 20038y: RmwtoM- Bdaua

The BBCCC fanily Day was held on Nwember 9,2003 at the.Saint lanis University oove,rcd oourt The cel6ra-ti@ took the whoh mrning with lds sf fun and srprises. ThFogr@ sbrtsl with ths registration of BBCCC memb€,rs, $aff,ofrcers and Boad of Directors, for attendane as urcll as secur-ingm€at and dain stub prposes.

Gatn€s we prpared and canicd orrt ry the YonthComnittee of Dir. Oc4 and oembers Michlle arul Romano as-sfutodby seafrmembers Donna Carabil€z and Carim Castillo.

The winners in tb rariotts ganrcs werc:

L KIDS CATECfrY. l.) For the *Bring Me- gare,thsp urerp six idivietal witrmrs samel$ Vaeric,ke Ki4ga4Rdios lvlffi€al, lvldanic Solinaq Theodorc Bibd€q Chris-tine nonryitto, and Pafiricira Florendo. 2.) For tbe *Beans in theBotle" gre, th merntem of the winning team q/ere; hfiiciaqsryillo, I.^ct*a Canme+ and \Irrgilio Battazar. 3.) For the1Fi[ing tb Bmle witr Wd€d' gare, tb n€mbers of the win-ttiqg t€aln uterg Karcn Co, I-€stcr Agpalia" ad Al"Er Agnalia.4.) For the ercaking tb Pot" game, the winrers were; Angel@uza (for female cdegpry), ard Jay fvfarson (for male care-gpry). Alt wiltrers receivEd valuable prires.

tr. FAI\{ILY CATEGORY. l.) For the *BBCCC htzzfefrme", ee windng fudly qas the Dairc Family. 2.) For the'Longest Line" game, the wimiog frmily was the Per Family.3.) For tb'BBCCC bferr" gnmc, thc winning ftmily c/as tbGanbm Falni&. The winning &milies rcoeirrcd ooe-half cavandrie (gift ffitificde) mh" 4.) For the *Egg C*chingi game,ihwinnerswre tbe Lbongeo h$and-wift tand€m, Pcdrro andMelilic. They rcEived me-ba$gallon ie cream Gn stifi-oeF). 5.) For tho 3r€*itrg the Pot" game, th winners were;Valedino Adn€s (for male) and Fe Bman (for ftnale). Bothwim€rs reeived tuo pa*agos of grooeries reh.

Pra.tically all conte*ants $ere winners because wenthe on-winning Frfsipad$ also rwived consolation prizes.Tt€irdive participation was enougb to rnake them get pnzes aswell.

Othcr rhan the g1trEs, there was also the claSsic qingrng

coqf€st t€rmd by CM Jess Cendafia as, 'Hindi Pa Kami LmsSinging Coutest". This portion added glow and delig[t to aUperyle presed. Orlr lmng onoe" ind€ed gave inspirdion to thejurqg ones and a.chanoe to b€ar different old songs. The win-sg crcre Mr. Fil (for malc) and lvlrs. Manerto (for female).

BBCCC frnily also gave proper recognition to the fol-lon'ing: l.) *The First Six Registrants", namely: lvla. Betty Co,Elvie Crnove, Shirly lvlandayag Avelino de Vera, MonrealFamily, and Jhrm Guillerm. They ail rwived one t+hirt each,2.) '"Th€ Highest Number of Family Membem Afiending" wascnn by the family of Gloria Mendoza They were nine (9) regis-tnnts. Th€ frmily received a functional water jug. 3.) *The

Yumgest Participant Around' was BaW Jaketofrer Abellera (sixmnths olo. He reeivod one pact diaper and feedingbdtle set.

4.) 'Tho Oldest Participant Aruud" was ldaximo Intenzo (E3years old). He received one pck bathroon tis$es (20 rolls).

The fuq jry and $rocess uould not have been postewithout the helping hand of the BBCCC Bsrd dDireao*s, offi-cEnL mertrers of varims committees, stdneders and frc gen-eral membership wb atended tb a&ir. Tbey dl dec€ry€ I sodsf thanks, eryeciatty those who activety participd€d in tbe ditr€r.€Nrt €vents. Our presence clearty runifest tnr serrce of ftnily andor cooperative spirit. ldabuhay ang BB.CCC Famityl

Mr, Moimo Lorerzavas the "OldestAtendec" at 83 lturs ol4 t ,vdrgtrBhts prhe from Dtr. &a A&vrab &lrirlg tto fan ily fuy elebttut t.

Wce Chair Anpy Rimas handing tle "Youngest A&qidpe^ to 6 ilonthsoldJdre Abellcra dunng the lastfamtly day.

The EBCCC COOPSEWER October-Decenber 2003

mr$$R;fi {"*JJ,T;Z#:::Trt:#'#;:##:'Fourfi Quarter events, though predictable,

generally put business peopb on the edge, on theirtoes, indudlng those wtro run BBCCC. lt is anothercfiance beforp the finality of year-end resufts to reviewp@rmance qainst targsts, for strategists to makeIast ditch cramming at redirections, toward results inarcas set in and for year-end 2003, if and when thenot-yetdone are still doable.

ATBBCCC, we ask ourselves as we sift on ma-gial details tlryly srmmed in rcgular commitee re-Frts and cdop memb€r-users' feedback Are urc onfie nght bact in our colldive missbn to provide safe,affiable and convenient financial services to our-selves and the needy among is as member-borovuers? Do we have fte figures to shqv that wefiare succeeded at this point in time in encouragingsavings among ourselves as member-savers? Are weppviding enough related services enabling ourselvesag member-@nsumers to maximize benefits from ourbans? Are vrrc motivated to ad out as brothers'keepers in compliance with economic and social responsi-HHbs as memberfroviders?

lf rcally we have sucoeeded, as habituallyBBCCC has been year after year rnodesfly doing soquiedy, so surely, then, as the building blocks of therpw EdificE of BBCCC rises, so does the new Spirit ofBBCCC Cooperation, willingly to rise and soar, take...the exfra mile, pay the exha price. Look Et what tust- '

firg contdbutors to the pool have clone together. Four-teen thousand members togeffier are empqilsed with5@ million p€sos! Rightly so, @operatio is sharingindiscriminate. Then, too, consider these possibilities

.of sharing in BBCCC: inter{endng, group bulk buying,mutJalaid, porerwtth others, bayanihan housing, vol-unteerism, net surplus, confidence, survival, simplejoys, hope. Do add more to the list. Can we not raisefifierthe nar of oop excellence?

Chilslrinas is sharlng" HaWy New Year toalll

NORPHIL Ollicerr Elected

I}e NORPHIL Saving aod De{Elryrned Hqx*ng Cootr€nativ€(NSDHC) el€cted itsoffic€rs at a fual Assedty held mftober 12,20f.3 at th SLU-SVP Multi Purpoee llall. Th€se offi-cers replaoe the appointed int€dm set of offiss in plaoe earlier.

Thc rpsly+lcctcd Bmd of Dircctss is cotrpoccd of lvft.Jess Cendafla Afiy. Rnbeo Cotrtr% Atry. Renato Fernaea Engr.Alfonso Felix, Ms. lvIary Minglen4 Dr. As0arc Rirnaq and Dr.lvlario Valdez.

In the organization of the Boaid, elected Plcaid€d/Chairman is Ary. n€nato Femandez wtile Dr. Mario Valdez melected Vie President.

Adoding tlnworhing Boud oonocpt, tb membss dthBoard have takeir rpon thsmselves tbe following asks:

lv{anagement Conmittee- Dirs. Ruben Clxpa Rsoato Fernfu" aod Ildary

MinglanaEdMion Comnitee

- Dr. Mario Valdez and Ampy RimrsLegat Committ€e

- Dir. Ruben Corpuz and Ren*o FernandezTechnical Commitlee

- Dir. Alfonso Felia Arch" Frank dc Cruzman andEngr..Bert Talco

Appoiotd Board Seaaary is Mr. Safurninq Badttazar

while ths Treasurer is Mr. tvfarcial Esqrjo. The Cashi€rs are Mrs.lv{arilou L. Mendo3a and lvls. Flordelina Sabedra"

Elected ai'the Cneneral esse,nUtv to the Conmiitees q/ere

the folton'ing:Audit arid Inventory Commiuee: Olivia RFlaga; lvlary Ann

Bungag and Felimon Rimorin; Election Committee: Antonio Gon-zagp, Emrnanuel Tad€o and Basilisa Lamnsa$, Savi4gF QueueCommittee: Emerita Frrcrte, Carmencita Cradata and Charito il{en-

AMPY RIMAS

BONG TADEOEDITORIAL

chai r AToNc FERMN D" I T'#fitflbl,tflrt*ff-GM JESS cENDAfrA I - ccii,rr'lirrurw cREDtr

COOPERATIVE WITH OFFICESAT NO. 56 COOPERATIVES

STREET, CORNERASSUMPTION ROAD, BAGUIO

clw.

Ptone 442€f,13,l|{4{.119

pTQaqaassg

The 88CCC COOPSERT/ER October-Ibcember 2003

It Ttme Fot...the ICA Model of Hoasfury Coopualivu?

Aty. R@tdac. Fenwda

At &G proddiry of trc Geoerel AsE€dty of members,BBCCC has embad€d ino cooperaive h$ing. Lrer tbc spocial pryvisigs r€hi€ to ccdit coop€rdiws, w of fu gbjFtivcs of a credit cooperaive is trc prwisim of "reJded services

eirable its neernbers to maximize the benefits frmr grch

loans.' Housing lilre Se groctry and rie bulk pocruerreot,frlts sErarcly as a relded service. Inan applicaim reoorrds tobcar trat $aying as now.firstow*ecmd bigpst portim ofmbere' lm go to horsing-relded s@iurres. Every frmilymust harc a #tte,r.

Th€loown soctorpircr SLU-SVP Hon$itrg Coqera-tive has bm €ogagpd inte pro,visi@s of ho$iry rmits \te co-qcative way" since 1972.k has close to 300 housing units inits hflNing coop cnnnrunity in Balokeng; derct@ in four

Thc housir€ concept it advocaficd with prkb hd boco afor pite a tirp. IIilil it was w€rtalrco by erchsimarywitrb itsetrd fu ffility ofrew &ctive frrces of

sociommic and l€gal envirwnents within s/hich th€ing aoop opcrales. The dl, it appean, has had its tim€.

Despite eftrts to do sq tb precious el€m€ots,tbat had nrade it aammg'best practices" barrc mt been replicated. Even

SLU-SVP ielf and in nen'brecd of bsne*edscrs harrc builtseslod in approrimares, strains of ooop horsiry alternativesnonatelcss being daringly Estsd and cmcrstimd frrsugh

five housing projects d Ambimg; Lqgt@g and Puguis, all inTrinida4 B€nguet. And agai4 trc winds of new environ-

forces demand appropriate aeaptatons.The Housing Commifies of BBCCC, taslcd to make

at affordable cost dcc€nt horsing ti inOe,rcsted menrbersilling to sefile in a propoeed BBCCC horing cunmunity in

lnrbas, Trinida4 has be€n cloeely monitoring ftese develop-including thororEh scrutiny of atternatirrc housing con-

This nern' service arna is chaired by Atty. Rubsr Copruahis rich as former HUDCC social housing proj-

dircctor and current SLU-SVP chair, who, just like Mrs.Maria Asuncim Minglana (for SLU-S$, Dr. Amparo Rimas

and Atty. R€mato Fernandez (Cooe Forum), had thay as gramees of KF Project Ce,mer (Sweden) to study

first-hand and be inmersed live in the structure and operationsICA model housirry cooeerdives and related support mecha-

nism in northwestem Europe.In this model, commonly t€nants' owners cooperative, a

mernber, is a part+rnmer of the organization and suMivision bycoN$ributing a share of the cost for building and operating the

and gets fromthe cooperalive a certificate of etemalliving right in the unit he lives in. such tenad owner can sell thepartoumership on the ma*eq as if he owed the housiag unit.The BBCCC projecl as proposd may pilot the scheme trans-hted as projectd into detached dwelliag units, row houses, or

of lon'-rise cmdminium buildiogp. Lrer the cmo€pt treunib in the hCINi4g projoc't ire to be olvnd by tb &dVformed ooopemtve or ooop€rdiv€s. Cosid€riry the orooessof this scheirr in 50 cqrufies und€r the Internatioal Coop-ercivc Allianoc flursing; perhaps fu tims bs wrr, dBBCCC has to play a lead role, to €nd the trbl.and-error so-hrtimto p€r€mial ho$ing and serulqneut problems.

BBCCC Joins NORWESLU in theCelebration of Cooperetiye Month

On Nqrember 22,2W3, BBCCC togpttff with o:ner pri-mariee inBaguioiridf.@U/ESLU in thc celdration of CoF€frafir/El|tod"

A nffircade opened the elebration $arting from theConvention Ceder and €oding d th€ l\,tabini Elemedary Schoolwkre edrcdiml sions to* plm.

There were 4 tqics fm choim by the 7l prticipants.Thetopicswtre:

l. Human Resorces Darclopnent discussod by Ih.Ampy. Rinas

2. nist tvtmgcNn€ot/Dditrqucocyby Mr. RemPrcndol3. Good Corunauby Dir. GloriaBrm4. CoopPesosbyDir. Eric Calirrb

At 5:30 P.M. ums the Bingo Socials ild tho warding of@hies and lrizes to the winrrs of tbc borvling torrnmmt. Thebowlers of BBCCC rodtrp€d away with tb Zd dae (IadicsGroup), atrd 3'ddace, (Iv[en's Croupl.

Congrcswonan Imee lvlaroos gaced the afrir. In hershort speoc\ she promised to do her best b wort for tb promo-tion and $ryport of oorperatirre all orrcr the cqrffiy. She recalledthrt it was hq ftther, former r€sident Ferdiriand lvlarms, whopromCod tte Sananang Nayms, forenrnners'of nual coopera-tives.

Sone of the mambers of the BBCCC men otd lomen bowling teams ledby their coach Alt Asuncion, receiing their troptry from CDi npor"r-tative Eric Calixto; frorn left Coraon Austria, Litalte^rado, Josie per.a,Dlel Sabedra, Ltza Laconsay, Coach Art, and NORWESLTJ DirectoAt W Nmas vlit tessing the awardlng

The BBCCC COOPSERITER October-Decenber 2003

The Chair Has Been Busy On His Feet ....r..Consultetion Meeting with Electric Cooperetives

BBCCC chair Atty. Renato C. Fernandez had the distinc-ti@ to be a member of the panel of ryealcen who presented theirr€spoctive viems on the naturc, positioning and fate of electric co-oecratircs (ECs) then crcated by vfutuc of PD No. 269, as amd€dby PD No. 1645. Tbe occasion was a national forum on electricooq€rdft/€s which uas held on Deoember 6,2003 at the HotelR€rnbrandL Morato St., Quezon City. It was atrended by officersmd rcpesenatives of elecgic soperativ€s all wer the oontry,dnwing mfured vie$'s and reactions, sentimenis and propoeals as

to the tnre natre, ownership and trreatment of elechic oooeeratives

in the tig[t of the prwisions of the Electic Power Industry Re-

form Act @PIRA/ and recent jurispndenoe.Th€ EPIRA gives electric coopomtives the option to con-

vert inlo *ocf cooperatives [under thc Cooperatit/€ DevelopmentAutbority (CDA)I or stock oorporations [under the Securities andExchange Conmission)1. A recent Suprcme Cqrt &isiotr af-'frnd ttat electric oooperatives not duly registered uder Republic Act 6938 are not exem@ ftom pcying taxes inposed undertb Local Gwernment Code.

Among the more active pmticipants was Mr. Cerry Ver-zma ge,nerat menrgef of the Benguet Electric Cooperative(BEMCO), who shares Atty. Ferna*z's vi€rw that electric cooperatives are and should stitl be associational, not profitdriver:stoclf mp$, and should therefore retain basic f€atures like themrmstip by nenfier-consumers who oontriburc as thcy have

oontributgl in the past, their shares of finencial and social capital,

Sus adherere to the more equitable non-stock non-profit true-ooop orieirtations in order to best serve its purposes ofparticipa-tory, dordable and viable power to the grassroots.

Other ryeaken and fucilitators rre,re Mr. C€ofrey "Taps"Balce of the Nuional Cooperative lv{owrnent CDA Chair Rub€nlrf Corntr, S€c. R&el Cocoottueta, Asec. Arftr B. Pinili, andAdm" Wendell Rgres, Adm- Virginia Teodosio, and Atty. NeilSamittan, allof CDA.

ld National Trioartite Conferencefor Coooerative De:veloqmc4t

Cloce to six hundred local government officials, nationalgw€mment officials into cooperative development, and coopera-tive s'hkeholilers from dl wer the oountry assembled and hadworlahops druing a 3day sorfererce (November 26-28,2003) atthe newly-inaugurated Tagaytry International Convention CenterinTagaytay City.

Ths historic oonvergcnce by advocates and advocates-to-be aimd to draw for ooop developnent under a tripanite bodyoomposod of CDA" in paruenhip with the Office of the Presiden-tial Adviser on Cooperawes, together with the various Coopera-tive Dweloprnent Counoils as the coop s€ctor's representative, andthe Local Gwernmeod Units and their coop development officers.More specifically, drc ooo,p practitioners drew franenork for theformulation ofr a unified coop development plan and national

agenda of the LGU's and to unito th€ prwincial, city, and na-

tional oooperative develq offiss nnder one national srgantzz,-

tion.BBCCC chair Atty. Atoqg Fernandez was one d the

conference resouree psnons having oeoundeC in a plenary ses-

sion on the pecrliarities of Phitippine ooop€rdtiv€s and presented

the Medium Term Philippine Cooperative Dwelopment Plan

which was earlitr formilated jointly by PCC and CDA.Other speakers and rcsource persons in the corse of the

aongr€ss wcr€, armng others, DAR souetary Obet PagdangBnan,

CDA chair Ruben Comti, Cavit€ g(wernor Ayottg ldaliksi DILGSec. Joey Lina OPAC Sec. Lito Cooscoluela GLP president Ro-

dolfo del RosariCI, TagNW rnayor Francis Tolentino, CIIP secre-

ury-general Felix Borj4 and Limooma officer Carliry Tecson.

Visitors

Visitors were a-plenty during the last quarter....

1. St. Isadore Multipurpose Cmperative, I-abrador, Panga-

sinaq S€ptember 13,20p/3led by their Chair Mr. Rich-ard Tomamang and lvlanaging Director, lvG. LolitaOcampo

2. Qrezon Federation and Union of Cooperatives (QFUC)

of Lucena Septenrber 19,20f3led by their BOD ChairAhlex Melendrez and Vice Chair lvfarlon lvlendoza.Ttey were acoonpanied to BBCCC by NORLUCEDECOfEcer A. Lunago

3. Abra Institute of Science and Technologr MultiprposeCooperative Septenb€r 29, 2W3

4. Seafarers Mnltipurpose Cooperatirrc, Lwtan a@zon,ftober 4,2003I€d by l\drs. Crisfina Tre,nsnre ad lvls.Dulce Raieses, BOD Chair and Vioe Chair rcspectively

5. Lopez Quezon Credit Cooperative Oct$er 24,2003,1dby BOD Chair IvIr. Rafael lvlasagande Jr and Aficia delos SantosBOD Vice Chair.

6. Pang;asinan Awiation of Coopentive Crodit Unionsand CDA-DEO, Norcmber 14,200.3ld by BOD ChairRogelio Solomon. November 2l,200.3,led by their re-spective BOD Chairpersons

7. Sanchez Mira Integrated Services Cooeerative ofCgayan, November 21,2003led by BOD Chair Mr. Na-poleon ldalto and lvlanagerl!{s. Adela Biado

8. Old Sta.Mesa Savingis and Crcdit Cooperative, December5,2W3, MetnoManila

9. Rizal Technoloercal University Kawani MuftiPurposeCooperative, Mandaluyong City, November 27,2W3 led,

byBOD ChahMr. Salve Jonio10. Balucuc Women's' Multipurpose Cooperative, December

3,2W3ll. Kooperatiba Sa Pagpapauntad ng Sampaloc Quezon

Multipurpose Cooperative, December 5, 200312 Moncada Women's Credit Cooperative, Moncada, Tar-

liac, December 6,2003,1ed b!'BOD Chair Remedios deGuzrnn and Vice Chair Apolonia Aflis

The BBCCC @oPSEnyER October-Decenber 2003

Updets On The Building ConsfiTction WorksU Dtr. @g f Andal (Isatw to dp Bud u Buildfng Cenfrrcti@)

I am happy to r€port sorrc events related to the BBCCChriffitrg oodsrrrction which tra$pired as of ths last rc'potting pe-

riod"Worts on the foEdation phase I, ftoNn esrth moving lay

dq fodin& slabs poring and beflms are on-going. Earlier, thstsel rcbars deliv€rcd bad bffi closely itrspocted W our constnrc-tion t€am mensgement for prqer specifications. There were some

otnenrdioils and reommndations W our engineers as to quality

wtich th strtractor qgtaid and rcspond€d satishctorily. Also,the slight changcs in fonndation dcigns vrcre justifie4 as oru engi-nffis rcqueste4 and contractor com&a wfth nSmission of dc-Ogn cahlatioss, umdring &winp, details and cod estimates ofthe ctungps. Coutrac-mr assured that th€re werc no notable changes

mr yaridiotrs as to tb ods. Sub,mifid ry th€ offiactor to ourawsltants and nm' on file are tte following:

l. Copi€s ofpernit2. Fitral rbrdural plmr aod details3. CPM l.[etu,o* wi& respective duratim of each adivity, stressing

uitical patha. Breakdowu of divities5. Shop drawfurg of majc itens of wodr, sipd by €oginffi or rchi-

t€ct6. neinfccitrg bu lalouf cdoffpoints rylice points, etc. of sffttc-

tural e.lemcots7. Poriryreqtrcstforns

Thc comarror al$ prc'idcd as reqncsod phcooopics ofgevermcd pelmits, from fulitioq €xca\rdiort b,nilding sani-tary, Gl€etrical" nchanical, and ei&cralk ooEtrpotrcy. It iB to benffid that the firsfi poring of mem vns indeed a state of the artty fheanna Dqplqmetrt Coryany which vtilized prmpcrete andtraoiit niss with zero itrffivds Sailey. Tke $€re mixnresanelings ollectsd and placed in cylinfu molders, ready for test-in& R€nrltc of t€std the SLU College dEngineering are on fileanailsle foriryion aaytirc. lvteaostite $eelbars for phases 2

ad 3 foundatime arc pres€Nrtly arivitrg. Monolithic pordng shalltale place mty crt€n aruything is ak€ady taid qf, inspectd andwith th consltad team's go siFal. Pouring targct date * onenight ard orc day without brcak - is set on December 20,2ffi3

We are hryy to report that as se sse it, the oonstructionis mhty going on R€S ffisred that &e @nnrltartr, the contac-

br ild bs team of engimn and l*onus, ad this liaison on 6ophilding oonstnrction manrgement will do their utmost be$ to see

to it that thc coop will get tbe best r6ults. A bl€ssed Chrishas toall.

CONGRATUI-ATIONS . . ....} Jo Bartista l,apira - for being awarded as one of the Outstanding

Citizens of Baguio during the Baguio Day last September l, 2003,in thc catcgory of Commmity Scrvice. Jo, a BBCCC member offlrany )reanl, was cited for her various civic involvements such as:

initiated ttre Pre-Muital Cormseling Program of the Baguio HealthDeparnnent in June 1974 under City Ordinanoe No. 595. The rrdi-nance c,rme as a result of her research which provided the baseline date fu a "hqosed Pre-Marital Counseling Project fq Ba-guio Citf; initiated the Anti-Smoking Tark Forrx at the BaguioHealth Deparnnent; initiated the Baguio Aids Watch Council

(AWAC) n 1987 of which she is still actively involved.O To BBCCC bowlers who placed 2nd lladies' G*p) and 3d

(Men's Group) in the NORWESLU oelebration of CooperativeMonth. Atty iArmando Velasco was Team Captain of the Men'sCroup while AIC ChairNida Flavier was team captain of the I-a-dies' Group. CreCom Chair Art Asuncion was the coach for bothgoups. They reccived handssne trophies and cash prizrs duringthe awards night on November 22,2003 at Mount Crest with llecos Norte Representative Imee Maroos as the guest of honor.

P.er t

Glimpses of BBCCC Years 84ck......

Having just oel6rated BBCCC 45e aoniv€rsary, itwoild be futeresing to lcnos'hor it xas y€ars badc The fol-lowing har/ebeenvcykindo give us the information.

-Ms. Dhel Sabedra (enplryed with BBCCC sinceS@. l%7). "Tbe-b{rs. Caridad Trinidad was the Presidentwhen I €me into ttp cb-Ee Bdicto Jayoma and LfN.Fanny Brillantes werc my coryanio'ns-iq_l4re offe. We wene

doing werything: recording procssfurg loans;-o[lgcting etc.

lVe we,rre loan orffioers, loan collectors, secrffii€s; iiwrrcrettranag€rs all at the sanre time. We would go to fte ma*ctto coll€ct from the meat and vegetable rcndors. Ak€ady the4we had pr$lems with delinquency but to a srnall extent because

the me,mbers urcre fen, th€n at that time. The se,lvices rcre onlyloans iaclding petty cash. The coq office transf€rr€d fromplae to placc: from the Brillantes boading horsc at Assrrytion Rmd to the Rillera Bldg. at Burgos wherc we shared space

with the Aoryan and Balatoc Miffi Coqeratives; theo for ashst while to the Canhedral. Iater we rentd a room at the R€s-

unectim Chur€h Compound along lvlagsaysay Avenrc,butfinding it v€ty frr fs orr rnembers, w€ w€nt back to the Bril-lutes Apt. but it was very small ard so we moved to aa emptygaxagB of the sLU priesls. The,n in 1988 the oop prchasd theback part ofEsepa ApG at very reasonable pne and at afford-$le installrenl A year her, the Brillanteses sold their hdld'ing where the coq had its original offiae. It malrcs me ex-trcnely hryto see the sop progess so much and I thank theLord for His blessings and graces in guiding the coop all thepast-years. I am pmd to lra le been a part of th€ beadiftl his-tory of senice of on Cooperative"l

Antonio nrmoc - a former Pr€sident of BBCCCQnl.ln2\ - *Loan asolnts werc srnall, we had to wait oneor two ureelrs to get ourloalbocause we werc ftw and w therewas not much money to citq{arc among the members. I re-rnember my first loan, which I got fum th€n ftesid€nt, Prof.Alberto Crcspillo. I got an amotmt consi@ big during thos€times - P 800.00! It was €onrgh for uy wedding and honsy-moon!ll With my sucaeeding lmns we startd to buy home appliances inchding our piano. The ooop had been very helpfirl tome and my family * in the schmling of my childre4 in provid-ing for or daily needs ad in h€lpilg us meet ql finencial 6$ligations. I am very hrypy to have served the coop as president.I'm praying to Crod that the coop will have more years to con-tinue its beautifirl service to our community. Ivlabuhay ang at-ing BAGIIIO-BENG{JET COMMUMTY CREDIT COOP-ERATfVE.''

tT. t The BBCCC cOOPSEnyER October-llecenber 2(xl3

From theIUANAGER'S DESK......I

hna&Jexs F. Cendat a

No soon€r than we rcalize it, D€oenber iS *ifii us.

Jd c cE thorgbt wr hrc jnst omrnmcee rhdfiseit )cer w€rtr find it Smt to €od" lVc wisbti4date ]'ul m sorc de'v€lonmtE which cutp-uB cinss-flr last r€0ort ia qn thirdquartfi iffi.

Ar,rpg'atims arc gCIing or ourse. S€elns like we-lrrc,qeildng to M the pmjoaione we hsv€ sst for this year.-dir $eremcd doperaion for the p€riod cov€ritrg Januarry to

S@der 2003 fus/s or income at P 4E, 929, 815. ReLatingthis x6s6 with qn prolrted inoome for this fscal frear (P63, 429,000) .will shory a 17o/ogfer'mrc rdiry at th€ eodd thr€e qrrertem. olr t&l expenses as of Se6embe,r 2003anmrued to P 12, O52,411which manifest a 66o/o perform-ance r*ing vk-n-vis or proj*ted yeaf expens€s at P lt, 582,100. Cmparing otr inaoms with our openses for the thr€equaftcrperiod gtvc us an undivi@ net surplus of P 36,877,330. This shows an 82% perfornare raing in rclation totcM wE crgect to ein by tb @d dtte War in na surpluswhich is P 45, 071, 900. We are oninistlc that with the re-msining last $lart€r wc will attain oryear end target"

orr CoW h6 b€rNt horcd las Norcder 2l-23,2003 driry the 24 C€ffirry Coes Co'derenm at tbe IslandCrye Rmt in Kawiq Cavit€. This oonferenoe was omvedfor an exclusive gup of aoop€rati\/es in the whole oountrywi& at lea$ Php 100 million in net worrth. Out of 60, 000 reg-isercd sqcfiativ€s nationwid€, there are only turenty six (26)ooopo ptpsGfily qrnlif€d to this Chib. BBCCC is honored tobe on of tha,m" In &ct ule ranked second in t€rms of n€t worth.fhe plilipine Army finance C€ril€r Producers htegrdedcooperative tops thc list with Php 597, 915,6E7 in nct worth.BBCCC has a net nrerth dPhp 336, 135, 365. PAF@C has atAal memberstdp of more than 37,000 while BBCCC has onlyfrutnd 15,000. PAFC"C is an institrtriomal tlpe of coop whileBBCCC is a ommuuity tne of ooperatirrc. U&r th oom-niunity type category tbea we rank first ailxrng tlre rest in thenthole oor@y. orr high net,north can be partg exptained bytbeftct that 6 oq€ not wen apeso fr,om any outsid€ financialinstitrtion. We are sole$ operating on our oum members' eq-uity ruvcaling tlrc real scfreliant character ofor organiza-tim-

We are graerally progrcssing with the ffinput€riza-tion of or difrerent amomts. After oonrputerizing or savingsd€posits acc{runt we ar€ now in the process of integrating intothe comprter sjrstem our fix€d d€pocits :rconnts. Plcase do notftil to request for yor ncw Savings Depooit Pas$ook (GreenColor) ftom you rcspective Accounts Clerk if you have notsectued it pr Th oth passbook which will be issred you isthe Fixed Deposit Pas$ook Eed Color) the nex time youtiansact businccs with the offioe. Please bear with olr person-rel if initially it will rcan a little time for them to prepare andprooess yqn pes$ook as they are SilI g€fiing used to the sys-ten" As they fiimiliuize themsehas with it th€,y wi1 be able to

Amado Jesus F.Cgruonfte ,,Jessa"

serve you bofter in the fifure.The Envirmmental Cmpli-

ance Certificce (ECC) we haw appliedtu frqn the DENR (EIrm) hss finsllybeen issrcd last urcek. Thie documentwe have boen anticipating is neccsaryfm the prooessing of orn DwelWentPqnit to be fusued by the MunicipolGovemment of k Trinidad" Once theDwelqmcnt Permit is granted we may

fnally oomm€noo site dwdopmcnt of ottr Lubas property.Meantimg we have initially $utcd ftc widcning of qn acocss

rod leading to qr llousing Projcct. This will providc oqrvcn-ience fc on heavy equipmeirt easier access to the site rryhen qrgrqndwuksbegin.

MERRY CNRISTMAS AND MAY YOU ENJOYTIIE HOLIDAYSI

LAKBAY ARAL 2OO3

Last Novernb€r 30 ard Decen$er 31,2A03, BBCCCoffcas and staffvisited other cooeendves osside of BaguioCity. This is the Lalbay Aral which is regularly dme weryyear. The first cooperative that tE gorry visited was the Ba-ranka Credit Cmperative locat€d in fto City of lVlarikim- Ba-sically, fte pnpose of the l,akbay Aral ls to e,nrichthe vlsitors'knowledgB with regards to Cooperative practices. Honrwer,this timo, the concept has somewhat clnnged a little since thetour also focused qr ottrr aspectss that of natrr€ ard envirorment Tlre best ttringtlnt we learned from the City of Marikinais the way tlrey preserve their envirmm€d ttroqh cleanliness.The City governrnerft has mandated a cleanliness program ttutensures cleanlirrcss all over the city. Anybody car€ht littcrfurgwill be and ordered to pick-ry ttrc gprhagp tEjunke4 he also has to pay a certain arnout as firp.

The rcxt stop was in tlrc City of Mrfloa Nueva EcijaTo the Cenlral Lr.rzon State Uniwrsity Cooperative (CLSU).CLSU Crdit Coopcrative (CCC) BOD Vice Chair DaniloCastro gave us a brief run-doumoftirc operations of their cooperative. On had to welcqne us were Mr. Eduardo Oriel, Mer-n-ber, Srryervising Cwrmittee; Mr. Cesar Fsqda, SeoeAry,Mrs. Hilaria Ferrer, Credit Committee Merrber ard BODMember Mr. Anselmo Munsayac.

After tlre brief orientation and interaction over luncl1the BBCCC visitors hnd the ctrance to tour a numbtr of theschool's experimantal projects strch as the vegetrable, fruit,goat chickerU and carabao projects.

Labay-Aral 2003 was very interest'urg in the sense thatwe did not only emich ow krnwledge of other coop practicesbut also that we learri€d much abor* envirmner$al odrrcationard protection

The BBCCC CooPSERVER October-Decenber 2003 tl|l t

Christmrs lYishes/Greetings

f,lmmrncnberr..- ---,:....;.

'I vrd, frrdt dll W ehil&en be mccesfal, n vtth ttry wife inler respnsibilities in lprwo*' (Arcll Francirco Flora Jr.,I 0 lnar nember, Coilege hofesw)

*I wish pcaae !o thc weob torl{ I wish !o fiy childr€n to at-taiD thsir arytdlooq I wish srrcsyqrc gpod h€slth-" (Mrs. Feftagrtmg, 2Oyers m€mbe4 rctired e,ryloyee)

'Ang ptgoap b s Palfu: &gfug s suwelfu, lal&i angnantotg w Cmp d saka kryyqmr at karysan M rmtnfu,

n panilya." (Filrstim Badiwan" 2 years msmber,scority guar$

*I wish tb Coog oomimcdprocpedf so thet it nay continus tobe of rrvie to tb meders and to tb mmmunity.'(ArseniaVakf,b, 7 yeus neder, mt ve&r)

*Wy cotu ta amoryboy iti pabor ti Diys iti ponilyock4n iti anin nga hbongS ([tat God's grffi desped in myed$ md the whole world) - (Paulina Bungrrbong 2 yearsntedcr, miftvife)

"[,hr€ $rccesr for BtsCCC and more horning pro]rts." (t.eo

Borja 6years m6mber, cable contrrtor)

"IUy wish is gmd h€alth- Agtaltuloy cottu iti BBCCC td isu tiprgalngalmc iti ryagbiryko.Iti Coop iti pagtrtarayac kenpqW,anangac iti aras nga ndka&p.lrc iti tulong. (I wish

fo BBCCC to continae benuse it isvhere I get my livelihaod.I nn to the C@p od eek relage whenever I need help.) -(NatMfud Iserto, I 8 7n*x member, a wifuw)

'k to th cmnuoity. May god pmtoct tlrc Coop so that itwill p'roryer sme mm.' (C6ar Canar/e, 6 ;rears rcrrber, salssgent)

*Cffid health for evetpnq wore Fogr*r to BBCCC so thatilpre vill be biger divi&n&." (Virginia Sabe, 15 yeusrulnb er, re tilz d empl oyn e )

'be in the world especiatty in the Philipines. Good health.lvlorp srcess ad porrcr to BBCCC." (Jo L4ira, 7 years mem-ber, retired prblic h€alth e&rcatofl

"For the world, peace: for the Philippines, unity; for the fam-ily, g@d health; for the Coop, more memberg nore benefits,otd to stay forever." @owena Tom, 16 years member, busi-nesswonan)

*Merry Christmas ken datako am-in. Sapay koma ta satakosutn5m." (Merry Chrisunas to all of us. IUay na all be happy.) -(Joeephine Sote,ro, I year rmber, casbier)

*Mwalccp y Christmbs ed sicatalnn onin- Maong komon yn

wloyulay lot paraseftp toyay Kooperdlba toyo, ta drcl nl nata-Iongu nn otgd-orga." Merry Chrifinos. Moy ow Cinp wvtinue to prragreer so that it can hetp u s tnone od rwe.) - FlorlaApdoc, bwineswomol

'Naragsa& ken natrapia nga Chrimae pra trsbap enrln.- ([{ry1and p€eoefiil CQbtmas to sI d ns.) - (John $lmcr4 6 monttsn€mber, ffic .dF_-\_______

Frummrolilcen rnd

"I cannotwrap PMCE: I can onlyw'tsh draf onYiQl&cdqqasn,*ery mot finds it within hinself. Idaw4awat ka ifa zgdfsQaupay koma ta KAPIA ti agmi iti puso kcn kaungor fimayw." (MelbaTinbrcza, Loors fupt.)

*I{ay idasdasal u hinm Christmas p sapey koma ta nraday Alnq am-long, ya pamhod hi himh-ha I ditau an naming; an muryh-hodan tau koma an kalajron ta way sloa tlm boble tau rn &lnri-llslFqg an maphod [,tah.atnlong an Cbristmas I ditau 8n naming.(rrna Outruan, I4ans D4.)

"Mywish isfor all of as to anfurstand the real neodng of lwe, andthat it leads us for better things in life." (Ronald Linglingan, IngalDept.)

"Chrismas as the urcrd inplic'Chtisf," refers to Jesrs; "Mas" re&rsto peoplg which means Christ i$ for the poople. Chrisuas as is alsoa time of rcflection on whd yur have done fs others and whd louarc to oth€rs." (AIC Uepatmot)

'lle wish that Santa Claus this Christmas will be more gener(msmtd more anderstodtng to all of us eryecfally the stafi," (AcctgDept.)

*Wish ko sa Pasko at sa araw-araw, world pe at saka mammingpera. " (Verification Peprren)

'In the spirit of the Holy Jesus, I wtsh everyone kind thoughts andbest wishes for tnte happiness in an atnnsphere of lwe and pace.May all be richly blessed this seann and in the coming 1no. MerryChristnas and a prosperous Nev, Yet to all". GregAndaf $OD)

'I wish joy aod p€aoe to all this Christmas Season. lvlay hd con-tiurc to bl€ss BBCCC in the rcffi 45 years and mor€!" Alnpy Rimas(EOD Vice Chair)

"May jnrr Christmas be filted wiih peaee, Iove md joy. And maythe New Year bring you good healii and happiness.' Dhel fubedra(Assistant General Manager)

*In this blessed season, tnay we r€flect hsw amazing are the deeds of

the Inrd' msayang Pasku kekayu ngan ampong rlayaf a sahrbungqeung Bayung Banval Tom Galang (MIS DeparEnent)

"Jesus cane in iltbtess andgave us life, He cane inwgnt and gweus abundance, and He came in Love and gave us joy. lhishiniAT of1nu - members and pur fantily - a blessed Christmas.and a joyfulNew Year!" Bong Tadeo @leCon/Coopsewer Editorial Botd)

The BECCC CoOPsEwER October-Ibcerber 2003

7',Eg7nFrom Repacker to Factory Orvner

Sd is trc &ma in thc liG of Clemcnto Sal.bit, 43

frrs d4 and 16 years membcr of BBC€C.He rcmemb*s frGdty the- hunblo tqlmlngs of his

STAB CHIP PBAWN CB.6ffi.FB$'bsinEs. *I rnrs mty a lepoc&cr - repscking s/€rJ/tting - httorry pahrwr,pa-nrfi, fth cr,ack€ffi' etc. I world g€t fie big sacl$

hing SGn to Bqub trruryh a "beck ld c-vie ny vogcrble deal€r fiimds rvho hing their vgo-

ffitoMEnila and urto hatpno lmd sfren thery rctnrncdto Ba-gdo. Aft€r rrpa*trg I Kild disaihrc the small bags arornd&e cily-to sdol cantag to r€Sauranb, to sari-sari $ff€s - ollry nCcblke *eawry g@lincsinC I mild call it

Finding rtpec&ing tdios and disrihdng hbmious (Ioild erry uly m$ so mnd por trip), if nd dangerors, I lmg€dO lraetafie" into prodrcing the goods mpdf But I had no bigmcy fu capitrl ln ny prcdlcmcnt, BBCCC readily cme to[y ilsctn. f rffi€d to bcro\n amqnb within my capacity to pay.Tho nqc ofiGn I bcrorrrs4 the bigger my shrc cryitrl becme&E to tbe coop's beutifirl.'E*em of 'tn-hrilt-capital build-up"vbcr€ s pctc€abge of lhc lm go€s to fte drare capitut With thenlncrur h6rs I made, I prs up a small fictory in lv{anaoag. Irho ru abb to Flrdaso a samd hpnd joop, which rhis time Icdhd my Tort-r,rael limqrsine" - to distribto my goodssm4 prfting mymdorbike to the'sanvenif deparment. Li&srr!tr't €alry etel st fris sbge: I nas the martete of the mataialsdingredienelnede4lws&e codc,I reas repacker and I wrs*ivtr md de{hrury bry, Inwnnrcr, ftis time I swld be called.basgpr' md this scnded heavens to my ears!

Then hagedy struck. ffs fr.try hrned" A man of lesser$ffmrld harc beca totalty fuaSatod. But Mr. Satabit took it ase dallcaga One bad day is nd thc eod of the wcld.he reasmedqt Wi6 hdp frm fifnds, he sp$ted fa anCher plac to relecdc his futory. It wrs in Agoo this time. tb purdrosed a tweh€ch€ld, trrflgh lmus from BBCCC, nfterehe putup abigger,fiu.h befier csriped frctey. lfis brg ld also enabled him to di-wrdfy. Ile pui W fish ponds and a plgg€ry. As if to t€fir his n€t-dq e md hg€dy stndr Thieves victinizd him of ready-to-hsrws tilaprq trengus and $rimps of almost half a millionuror&. But ju$ like in thc first tragpdy, he was undaunted. In-ster{ he aoungeorrsty stood r4 very canfident that *in my hor ofn€4 BBCC€ is there to lend a hand!" Whilc his ammtizqtionsrwe afrected, he would be able to r@v€f,, he seys; with renerraldlens"

lfis prawn frctory, pigg€ry and fish purds have givem

3$s to a member of peoplc and this indeed makes him a partici-pont in the gwernmant's jobcreatiur program. At the same time,he is oremplifring the BBCCC objective of "improving the quaLtyof life ofon narginalizcd pquluion.-

With Elf and vans to di$ribute his goods arond, Mr.Salabit enjoys good mute nd mly in La Lhiqr hrt also in Paxr-

guhan and ryTvard noqc. Ifis wift, Virge helps him supervise

(Caathredonge II)

)ntAr-t*Make Every Loan

You lhke Productiveo

v

Celia Navarro, coop msfiber fc 16 yers, rcmemb€rswith nostalgia this advice of the lafe Chaimnn Grqg Rims.*S€e to it ttrd you bomow mly u,hsn 1ur need to and uilEnyou do nnke $re firat yor loan will serre po&rtive pn-Itset', Cclir qtr{frcs *Sir @1Es she fudy calls Mr. Ri-rms. This advice hs guided ls sircc incvery ldl she to*.No wsrder thd hpr busitFss, which cmsised inidally of F&dting tuppcrqrare, RTW ard ladies wear to paufs of school

children trned 'tno avery big ad ftrrativs hsio€ss,'I did d brrc space to soll ry gpo&, I cq&'t aS

ford to rd *'shs said of hrr erly yers as a hsimrwtxrnlt. So whsr I became a mcdcr of thc ooop, I loancd anamCIrsufiichpmbledneto r€ilt a spooe inthe pblic Ea*etwhere I sold gfoc€ry goods. My notr loan enabled re to eplenish my stocks. The rpxt lmn eoabled me to rcfr eofrorspeeeuitrre I ptt ry gorytp$er ard xenox s€rviacs d urtrcne Isell schod s4plies. Buincss bere is vcry good boca$c ft isrnar & school My inves;tureffi were paying otrhanfrmety,My loare arcvtry poarctive indeed.

I turnd next to hryiry a pr€ce of lad to build myhousc. I got a loan of P 300, 000 fr@ fte coop md gc a lotftom SLttsSVP hdsiq prqi€ct Modcsty asidq I have paklmy amatizatiors well ahe6d in advurc,r ad havc fully prdd

the €ost"The coop tar4ht ne to disciplirr ryselP. Wlsrcr'er

I bcrow, I know I have to pay ithck, m*inre and intre firUamCInt as irdicatcd in trc amtizatisr schc&lc. I do thisevery tirne ad becarce I have geod rwu4 I ne\lc had aryproblems withmy $rccedirg losns,

oI am so v€ry grateful to BBCCC fm my life now.My husband ard I hve cornfortabty well. My 2 daugtilers arcthrough witrftcir nrsfug sMies and my businesses arc doirygreat. God bless BBCCC for giviqgqethcbreakinorr life.'

The BBCCC cooPSERvER October-Deqenber 2003

BBCCCisNa 2...,

porrdnp.,fiwnpage I)&o BBCCC csnparcd witr oth€r multi-milllimaire coops inthe cormy. The basis of the shrdy were their financidSet€m€nts as of Decernber 31,2W2.

IN TERMS OF NETWORTH. Overall tbeBBCCC ranlrcd mrmber 2 in rcrms of th own€rs'/rnernbers'iwesnnem in the cooe€rdive, wi& a total Networ& ofP336,135,365. Th€ first is the Phil. Army Finanoe Ceirterhrodrcers laegratod Cooperative OAFCPIC) with a totalnetworft of P597,915,5t7. BBCCC, howwe,r, ranks nrm-bcr I fgr ec cmnitykod tpc of coop€ilative. PAF-C"rc is minstihsioal basd cr€dit coq€rativr.

IN 13RMS OF ASSETS. BBCCC ranks no. 6cqngar€dwithfu 26 ortSanding coops. The tffil assets asof Dac. 2002 was P432,492,731. Again, PAFCPIC ranksNo. I with asscts of Pl.Z 52 billim pesos, followed byACDI Cradit Coop witr assets of Pl.l9t billion pesos. Bothso h*iari<nnl based eoops. Cryrea with cormrunitybasd cmps, BBCCC radKad no. 3 after First Cmnunityqoop€rcting of Cqgalaaq d€ Oro rnuth asse$ of P744,065,000and P€rp€firal l&lp Conrnunity Cooperative of DumagueteCity with assots of P535,367,000.

IN TERMS OF NET SIJRPLUS. The BBCCC'szffi,ffi, zurpfus of P41,902,316 placd it at number 5 over-ail $Ediry h nmb€r 2 in t€flns of cumnmity based co-opffiivts, scc@d to FICCO with a net sufpl$s ofP49,425-949. O$r $,{plus N,Iargin of 73.3Yomade BBCCCnrrnber I and in t€rms bf R€tunil qr Assets (9.7yr) BBCCCrankd mrmber 2, rentto &e Asian Developnrent Bank Em-ploJrces MPCoop.

nl TERMS OF SIZE OF MEMBERSHIP. The2002 yrar end nernbership strq& of 14,046, placed theBBCCC as umber 5 ove,rall, bnrt nrrmb€r 3 among the com-mrqify baspd cooperatives with FICCO as number I with3E,069 rpnrbers and PHCCI with 18,390 members.

BBCCC'S BEST PRACTICESBOD Chair AttV. Fernandsz and GM Cendana

dtar€d the coo'p's best practices. They gave emphasis to theCrocery Buk Purchasing Services for tho merrbers and thecost-sharing scheme adopted for the tansport, lodging andotber frcilities of the cooperative. The capital build-upscbeine which generated millions of share capitaUfixed de-posit in a quarter was also shared including the savings mo-bilization progam involving the children/grandchildren ofmcrrbcrs. They said Sat these twin programs are the rea-sons uthy the coop does not borrow from orternal sour@s.TtoEy did not, however, forget to meirtion that tbe position ofBBCCC in the coop industry is mainly because of the contri-budoh of itS dedicated volunteer cooperative leaders, efficientmamg€nteif staff and viglant membership

r?i;,tXffi

Tatinonial... From Rqac*en...

(Conttucdfronpge I0)ev€ry aspect of tbe businesq frm productim to narketing. T}reymentim as problems tte 2 C's of conpctition (usrally d€structive) and crpitel. 'Itr{any can be unkind as to try to dmoy cnproduct and our market. But we kee,p on gotng anyway.'Capital doesn't seem enorrgh no matter but we knowwe can always run to BBCCC u/hen the gol4g getsrough and tougb." As if tbese words of appreeiaion ofthe coop are not enough, husband amd wifc have thi* toadrd: "Pag-asang malaH ong coop; loSrry la ndang tu-mulong so otos ng poryangailangan elarnatBBCCCI"

lub. Ard Lbs. Clc,twt E Salabirwith Yfue Crat Anpy Ritntuviewbrylcqsofndyg*enpovncmctert

Ilc thriv ing fu lab tt p igery -

The fnlryds abowrd with tilqiq nilffish od drilnps.

XEROBEE'TATT'NAL'N'EITKru'5 PI/fr{E HO}TH

TA- @74) tO4^4r4t / O92/OA077|UYoa caa hty et:r 88CCC Citw-cry, 85U $a*cthtg Cantcr

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The BBCCC COOPSEWER October-tlecetcr 2003

freutnoHffin rJ.tuaaung, llaegaldan, P$go*snTel Nos. (O74) 445-2Mg; lqS-SAZtURtlgt &,tt (rQnf*ts)

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FLOf'SEilOff.ErcCC C*plnd, lJo.. 55 C.ryordfu St-

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Kung ang hanap mo ay magrap na merlenda, conn atitaste w delbra,s Slqrc Axfu, 9qao Wb&, tfi*

burger, sofrdrtnks and many npte.

itre uelcope in future

JAiSAll roorlornr?urrmutr.roeilrarrgf rfio0ilolrc

I$.57lkwtldtwy,WqOFF,CE 62h(nil RES: 4444267 / 4444744

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XORf'ffiAY OONPUJENESILES tuDSEiVtGES

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