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the

face of development

International Development Review • 2012-2013


Good things happen when co-operatives GROW CO-OPERATIVE ENTERPRISES

Th e Fac e o f De v elop men t

are hard wired for growth. It begins with grouping producers, their products and their knowledge to achieve economies of scale. Pooling lowers costs, attracts higher prices and secures sales. Members improve the quality and quantity of the goods they produce, adding value to achieve a competitive edge they lack as individual producers.

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Co-operatives use group power to brand their goods, reaching beyond local markets and selling when demand is high. As co-operatives grow in size and assets, they join with other co-operatives, creating shared enterprises to refine, market and transport their products.

Credit unions provide affordable financial services, including credit to finance small businesses and pay expenses, savings to build a nest egg, and insurance to reduce vulnerability. Success breeds success as members experience the co-operative advantage in action. Household incomes improve as do savings, health and education. Apex co-operatives bring members together for training and education, and to influence government policy and regulation so that co-operatives can continue to thrive. Co-operatives benefit the communities they serve creating jobs, responding to needs and sharing knowledge and wealth to create new opportunities for community growth and well being.

COVER PHOTO: Ali and Angawire Mwachande are from the community of Likuni in Malawi. Angawire is a member of the Khama Mpampha Pamtondo of Ulimi Savings and Credit Co-operative. Pamtondo groups bring women together for financial literacy training, and then for group loans for small business ventures. Angawire has started a small pig-rearing enterprise.

CCA is building lasting, locally owned and managed enterprises which attend to the social as well as the economic needs of their members.


CCA is also growing. We’re entering new countries (Myanmar, St. Vincent and the Grenadines and Ethiopia) and working with new partners (Myanmar Central Co-operative Society, Self Help Africa, Ethio-Wetlands Natural Resources Association, and St. Vincent and Grenadines Co-operative League Limited).

And as we grow, we learn more about managing co-operative growth to better serve the needs of members. A new research project with the International Development Research Centre and the Centre for Co-operative Studies at the University of Saskatchewan will help us better understand how integrating financial and agricultural co-operatives benefits families working their way out of poverty.

“Co-operative enterprises enable groups of people to do what individuals alone cannot achieve.That’s the power of co-operation.” – Jo-Anne Ferguson, Senior Director, International Development, CCA.

CCA’s 2013 calendar, featuring photos taken by international program volunteers, was a hit across Canada.

over 2.8 million households in 18 developing countries this year.

• CCA managed over $9 million

in funding from a wide range of supporters to establish and strengthen co-operatives and credit unions with 31 co-operative partner organizations in Africa, Asia and the Americas.

• CDF funds leveraged more than $6 million from other sources this year, an impressive 70% of international development program revenue.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

Big is beautiful when co-operatives grow and stay responsive to members and their communities.

• CCA programs reached out to

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Growth and environmental sustainability go HAND-IN-HAND CCA is helping farmer co-operatives meet market demands by adding value to their products, building mills and storage depots, and connecting farmers to finance and marketing facilities.

Th e Fac e o f De v elop men t

To achieve lasting growth and development, co-operatives must protect and enhance the natural environments in which they operate. CCA and its partners are taking a long-term view of environmental stewardship, one which builds environmental sustainability for future generations.

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Our projects are helping co-operatives reduce greenhouse gas emissions through fuel-efficient stoves, using more efficient fuels, replanting trees for fuel and food, and using conservation agriculture techniques to resist

drought and floods and conserve water and soil. This improves the economic return for both agricultural and small co-operative enterprises, helping them repay loans, save more in their local credit unions, and improve the living standards of individual members. Members of Atahualpa Co-operative in the Peruvian Andes are improving waste management practices to enhance the appeal of their hot-springs tourist attraction and to protect the health and nutrition of future generations. Visitor numbers ballooned from 10,000Â in 2011 to nearly 40,000 in 2012, generating a five-fold growth in co-op revenue.

Colombian farmers are using co-operatives to pool and improve their berry, cacao and vegetable crops, and to reach new buyers beyond their local markets. CCA and its partner GESTANDO are strengthening thirteen co-ops and plan to expand the reach of this successful work to other regions of the country.


CCA concluded its World Bank project in Aceh, Indonesia this year as the marketing co-op it established, KOPEMAS, continues to pool, process and market its member co-operatives’ rice, fish and snack chips.

• A long time developer of credit

unions in Ukraine, CCA is returning with a new 5-year project to help farmer co-operatives store and market their grain.

In Ethiopia, CCA, Self Help Africa, and

CCA has begun a new project to help fifteen producer co-operatives improve production, processing, storage and marketing. Yields will increase, the livelihoods of 22,000 farm families will improve, and consumers will have access to better and more abundant food supplies. Our partners are the Centre de Services aux Coopératives de Gitarama and the Centre for Co-op Research and Training.

Ethio-Wetlands Natural Resources Association are working with 12,000 co-op farmers in the Amhara region to help preserve that country’s breadbasket. Farmers are adapting to current and predicted climate changes by adopting drought resistant seed, people powered irrigation pumps and minimum tillage techniques. Farmers are accessing needed credit and improving storage and marketing of the vegetables, groundnuts, linseed and garlic that they grow.

Garlic and linseed

• CCA and SEND-Ghana are

helping farmers in the Eastern Corridor of the Northern Region of Ghana improve their livelihoods through co-operatives. Twenty-four new family-based farmer co-operatives and three zonal marketing co-operatives were registered this year.

• Co-op farmers in northern

Uganda are making remarkable progress since linking up with area credit unions and marketing co-operatives aided by CCA and the Uganda Co-operative Alliance. Farmers are saving at least 15 per cent on inputs and have grown their revenue by 30 per cent.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

In Rwanda,

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BUSINESS SUCCESS is built on a SOLID FOUNDATION

Th e Fac e o f De v elop men t

Trust and confidence form the foundation of every successful financial co-operative. Canadians know that any single credit union failure affects the credibility of the entire movement. Co-operative values married with thoughtful regulation and supervision provide quality assurance to savers and borrowers alike. Sharing best practices within and among credit union movements enables growth in new areas and shortens learning curves.

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This year CCA and its partners continued to foster enabling co-operative legislation and regulation. CCA again brought together credit union regulators from across Africa to discuss ways and means of strengthening credit unions through legislation and regulation. The annual Regulators Roundtable, now self-funded, is managed by the Africa Confederation of Co-operative Savings & Credit Associations.

In Barbados, a team of four Canadian financial experts fielded by CCA are developing strategic and operational plans with the Financial Services Commission (FSC), the island’s new regulator of all non-bank financial institutions. CCA recently won a contract to help the St. Vincent & Grenadines Co-operative League to prepare business plans in light of new regulatory requirements for credit unions. When the Sierra Leone Department of Co-operatives doubled its staff complement CCA organized ground-breaking training on the new (to Sierra Leone) model of credit union development. New field officers and their supervisors learned how credit unions, as inclusive financial institutions, can ensure access to affordable, productive financial services for the poor in Sierra Leone.


CCA’s collaboration with the Irish League of Credit Unions to revive Sierra Leone’s credit union movement saw the number of credit unions grow from five to eleven this year. Members of the Bayconfields Savings and Credit Union (left) are proud of their financial institution.

• Micro insurance is the fastest

growing sector of co-operative development in Southeast Asia, owing in large part to CCA’s micro insurance program in the Philippines where fourteen micro insurance mutual benefit associations insure some eight million Filipino lives.

• CCA concluded its work in Nepal

praise this year by Malawi’s Registrar of Financial Institutions for providing strong technical support to the statutory manager of the Malawi Union of Savings and Credit Societies, who is working to regain sound financial health for the country’s largest single credit union, FINCOOP. CCA and the Credit Union Association of Ghana are ensuring that credit unions in

Ghana are financially sound, competitive and providing safe, affordable financial services that will help move members out of poverty. Activities include: forming new youth savings clubs, improving women’s business practices, preparing more credit unions to qualify for deposit guarantee, and enrolling women credit union managers in CCA’s Women’s Mentorship Program.

Centre for Micro-Finance Deputy CEO Naresh Nepal (far left) and Nepal Federation of Savings and Credit Co-operative Unions Ltd. Program Officer Shivajee Sapkota (back row right). pose with directors of the Barahi Mahila Multi-Purpose Co-op, a women’s savings and credit co-op in Nepal.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

CCA was singled out for

this year. Over 34,000 women now have combined savings of over $24.8 million. That's an average of $713 per woman. They use these savings to improve the lives of their families, start new businesses and educate their children.

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Co-ops create BUSINESSES, JOBS and OPPORTUNITY

Th e Fac e o f De v elop men t

Co-operative enterprises are just that‌businesses owned and managed

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by members with a purpose. CCA and its partners employ co-operatives to generate opportunities and prosperity for families to move out of poverty. As well as bringing social and economic benefits to their member owners, co-operatives spawn new businesses, from micro home-based enterprises to firms with small, medium and large revenue, assets and payrolls. Whatever their size or product, co-operatives foster businesses to employ people and generate wealth,

job skills and experience to open doors to future prosperity, economic growth for communities in need, and opportunities and hope for women and youth. CCA and the International Co-operative Alliance (ICA) are strengthening the voice of Africa’s co-operatives through annual conferences of national apexes, co-operative organizations, and associate members of ICA–Africa. Together they represent individual small farmers, savers, consumers and micro-entrepreneur members of over 7,000 primary and secondary co-operative organizations.


• NORANDINO Co-operative in

The mark of real and lasting

Ottawa-based La Siembra Co-operative sells Norandino Co-operative’s organic fair trade brown sugar (panela) in Canada under the brand name Camino. CCA is helping Norandino meets its quality and volume commitments to customers like La Siembra through technical assistance and infrastructure investments.

Norandino export manager Santiago Paz Lopez and La Siembra CEO Jennifer Williams with a bag of organic fair trade Camino brown sugar.

Doll maker Anusha Samarawickrama is growing her business with training from the SANASA training centre in Trincomalee, Sri Lanka.

• CCA’s partnership with the

Canadian Red Cross and the SANASA Development Bank continued to train people in tsunami and conflict affected regions. The project has trained over 78,000 people in livelihoods and leadership, issued 14,740 microfinance loans, and insured over 35,000 people.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

success is the inclusion, voice and confidence co-operatives give to women, youth and those less heard in society. Credit unions in Uganda are working with schools in two districts to start savings clubs to teach the habit of savings and financial literacy to students. Africa has the fastestgrowing and most youthful population in the world. According to the International Labour Office three-in-five of Africa's unemployed are youth.

Graduates of youth leadership programs across Canada travelled to Ghana for training and a forum with Ghanaian youth this year. You-LEAD is an innovative way to encourage young people to create their own jobs through new co-operatives.

Peru is making gender equity visible with a cadre of male extension workers who model gender equitable behaviour in their own families and in the communities where they work.

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Canadians are REACHING OUT to END POVERTY CCA mobilizes highly skilled employees and members from Canada’s co-operatives and credit unions to share their knowledge as volunteers with CCA partners in developing countries. The training, coaching, mentoring, research and analysis they provide builds business capacity, improves skills, enables growth and helps members better govern their co-operative enterprises. Partners move forward, strengthening their businesses, creating stronger networks and apex organizations, and working with governments to create co-operative friendly legislation.

Th e Fac e o f De v elop men t

In Canada…

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Credit unions across the country opened their doors to 14 women credit union managers from Asia and Africa, sharing their credit union operations and policies for ten days of hands-on learning during CCA’s 2012 Women’s Mentorship Program. A landmark survey of graduates shows the program boosts self-confidence, improves management skills, creates innovations, grows

membership, and improves liquidity, profitability and reputation. Loan delinquency has dropped, new branches have opened and operations have become more professional and expanded. More women have access to credit. Standards of living have improved. More children are in school and new community programs are now in place. Canadian credit unions have mentored 165 women managers from 18 developing countries over the program’s ten years in service.

“Our membership grew by 200 in just three months after using techniques I acquired in Canada." – Susan Lamunu, Manager, Ongako SACCO, Uganda (pictured above)


CCA hosted a delegation of co-operative micro-insurance leaders from the Philippines, including that nation's insurance commissioner. After meeting with Canadian mutual and co-operative insurance companies the commissioner and the RIMANSI network of mutual benefits associations committed to establishing an additional layer of solvency protection to further ensure that members' claims will be settled.

lasting between three and ten months. They included an assignment to develop a strategic plan for a micro-enterprise development unit in Sri Lanka and, in the Philippines, helping the National Confederation of Co-operatives (NATCCO) develop a stabilization fund.

CCA also welcomed delegations of credit union and co-operative leaders from Vietnam, South Africa and Ukraine.

Seasoned co-operative experts helped co-operatives in northern Uganda measure their enterprises against international standards using CCA’s Development Ladder Assessment Tool, providing a snapshot of how the co-ops are doing and a set of benchmark scores for measuring progress moving forward.

CCA recruited over 60 volunteers from Canadian co-ops and credit unions for international missions this year. They included 23 volunteer coaches who worked with credit unions in Mongolia, Ghana and Uganda. They tested a number of field tools CCA has designed to address common challenges credit unions share, such as loans management, governance and capitalization. Sixteen individuals took on technical assignments in seven countries, including longer-term missions

When FINCOOP, the largest credit union in Malawi was placed under supervision by the Registrar of Co-operatives, CCA’s long time partner, the Malawi Union of Savings and Credit Co-operatives, was assigned to manage the troubled institution. Three CCA volunteers on separate assignments have helped to develop restructuring and loan recovery plans for FINCOOP, as well as risk management tools for the credit union system.

professional to Ghana this year to advise the Ghana Co-operative Credit Union Association on its deposit guarantee program.

• Fourteen university graduates took

up 6-12 month-long assignments in Ghana, Uganda, Rwanda, Malawi, Philippines, Cambodia and Peru as part of CCA's International Youth Internship Program (IYIP).

CCA interns posed for a group shot in Ottawa before going overseas.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

Overseas...

• CCA sent a deposit guarantee

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GROWTH by the NUMBERS The growth and reach of CCA’s International development program was made possible by the participation of our valued financial partners: the Co-operative Development Foundation of Canada (CDF), the Canadian International Development Agency (CIDA), the Canadian Red Cross (CRC), the World Bank, the Commonwealth Secretariat, and the Government of Barbados. Our partnership with the Irish League of Credit Unions brings additional resources to our work in Sierra Leone.

Th e Fac e o f De v elop men t

Revenues by Source: 2012-2013 TOTAL: $9,435,836

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CIDA $6,183,270

65.5%

World Bank $1,260,345

13%

Canadian International Development Agency

Disbursements by Sectors: 2012-2013 TOTAL: $9,435,836 Canadian Red Cross $766,396

8%

$718,976

8%

Consultancy $467,072

5%

ILCUF $39,777

.5%

Co-operative Development Foundation of Canada

Agricultural Enterprise $3,923,363 (41%) Finance $4,125,764 (44%)

Micro, Small and Medium Enterprise $1,386,709 (15%)

“The road out of poverty is built by ordinary people using their co-operative enterprises to make life better. Canada’s co-operators are a big part of their success.” – Jill Kelly, President, CCA

Agence canadienne de développement international


Where in the WORLD CCA and 31 partner organizations in 18 developing countries established and strengthened credit unions and co-operatives in Asia, Africa and the Americas this year. Here’s where CCA worked:

• Ethiopia • Ghana • Indonesia • Malawi • Mongolia

• Nepal • Peru • Philippines • Rwanda • Sierra Leone

• Sri Lanka • Tanzania • Uganda • Vietnam

Canada’s credit unions open their doors and share their knowledge with visiting women managers from credit unions around the globe during CCA’s annual Women’s Mentorship Program. We thank the following credit unions for their thoughtful mentorship in 2012:

• Vancity, Vancouver, BC • First West Credit Union, Langley, BC • Prospera Credit Union, Kelowna, BC • Interior Savings Credit

Farmers in Rwanda are using their co-operatives to improve production, storage and marketing of their crops.

Union, Kelowna, BC

Colombian berry farmer Susana Fino says business has improved since she and other farmers formed the Coagroboyaca Co-operative.

• Servus Credit Union, Slave Lake, AB • Lakeland Credit Union, Bonnyville, AB • Affinity Credit Union, Saskatoon, SK • TCU Financial, Saskatoon, SK • Conexus Credit Union, Regina, SK • Rosenort Credit Union, Rosenort, MB • Alterna Savings, Ottawa, ON • First Ontario Credit Union, Hamilton, ON • East Coast Credit Union, Dartmouth, NS • Leading Edge Credit Union, Port aux Basques, NL

• 138 Canadian volunteers

donated 2,255 days worth over $1.4 million to CCA’s international program this year

• CCA’s work in Africa has grown substantially, from working with 5 partners on 5 projects in 4 countries in 2011 to 14 partners and 13 projects in 8 countries in 2013.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

• Barbados • St. Vincent and the Grenadines • Cambodia • Colombia

Thank you Women’s Mentorship Program host credit unions

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The Co-operative Development Foundation of Canada

Th e Fac e o f De v elop men t

Building a Better World

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The first complete year of the Co-operative Development Foundation of Canada's (CDF) Build a Better World Campaign was all about growth. From the moment the campaign was launched, the focus was on growing CDF revenue in order to address poverty and inequity around the world. The need is great and we have the co-operative tools to make a difference in the lives of people all over the developing world.

One year into the campaign we can pause briefly to celebrate success. With more than $4 million pledged or donated we are one third of the way to our $12 million goal. With $8 million left to raise we cannot afford to pause for long. There is a lot of work to do, but already we can see the impact of the campaign on the work in the field. More than two thirds of the total CCA development budget last year was directly leveraged with CDF funds. CDF is delivering an opportunity for growth, and CCA is effectively using that opportunity to create new and better programs designed to Build a Better World.

“The Build a Better World Campaign illustrated the strength of our co-operative sector and the importance of the international role that CDF plays. Real commitments, real vision and real determination have insured that 2012 is not a date on a calendar, but a calendar of change.” – Michael Barrett, President, CDF

CDF President, Michael Barrett (right) was glad to help Doug Wright of The Co-operators raise funds for CDF through a dramatic haircut. By donating his hair, Mr. Wright raised $12,500 for the campaign.


A Global Force for Global Good The Co-operative Development Foundation of Canada is a registered charity which raises money to alleviate poverty. Its contributions help CCA to undertake co-operative development projects around the world.

LEVERAGE our strengths: CDF helps to leverage the financial and human power of the Canadian co-operative movement for the benefit of people living in poverty around the world. In turn, the generous contributions of Canadians allow CCA to access much larger pools of funding from organizations such as the Canadian International Development Agency. The projects that CCA is able to deliver, as a result of CDF support, are built on the success of previous investments and the experience of local partners, leveraging the strength, resiliance, and initiative of the very people who will benefit.

Leave a LEGACY: CDF launched its campaign during the UN International Year of Co-operatives. The energy generated during that year was designed in part to leave a co-operative legacy that will continue to grow in the decade ahead. CDF’s work, from the beginning, has been about building a legacy of lasting prosperity among people who have suffered because of poverty and inequality.

First Year Campaign Results

• More than $4 million has been contributed or pledged.

• 400 individuals have contributed for the first time, bringing the total to 1,300 individuals. Together they have contributed approximately $200,000.

• 60 new organizational donors have come on board – co-operatives, credit unions and associations.

Banner from the Build a Better World Campaign

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

In designing the Build a Better World Campaign, CDF’s board of directors identified three clear objectives for CDF’s fundraising work.

Take the LEAD: CDF’s support allows CCA to help people in places where other funding is not available. For example, CDF money is allowing CCA to support the deserving people of Sierra Leone in their efforts to re-build their credit union movement, in spite of the fact that the large development funders are not prepared to support this work. CDF money allows CCA to follow its collective conscience to work where the need is great and where we know we can make a difference.

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join the campaign It will take the combined effort and support of many people across Canada to reach our goal of $12 million. Here are just a few ways you can support the Build a Better World Campaign and CDF’s work:

Th e Fac e o f De v elop men t

Co-operative or Credit Union Donations

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Co-operatives and credit unions have a long and proud history of support for worthy causes. For many, CDF has been one of those causes – but there are still many co-operatives and credit unions that have not joined the campaign. The Build a Better World Campaign is a wonderful opportunity to add our own co-operative development charity to the worthy causes your credit union or co-operative supports.

Director Giving There are more than 160,000 elected co-op and credit union directors in Canada. We invite you and your board of directors to pass a resolution to forward at least one meeting per diem/

honorarium to CDF. Better yet, directors can choose to become one time, or monthly donors in support of this important cause.

Employee Giving Working together toward a worthwhile objective is a great way to build teamwork and morale. CDF works with many co-operatives across the country on employee giving programs. We provide all of the material and can work directly with your Human Resources department to implement. If you have a workplace campaign through the United Way you can designate your gift to CDF by simply quoting our charitable registration number (11887 5517 RR 0001) on your form.

The team at Pierceland Credit Union in Saskatchewan are enjoying the comfort of MY CU” casual days by wearing their “I t-shirts, a CDF fundraising initiative driven by the National Young Leaders Committee of the Credit Union Central of Canada.


CDF’s second Journey Out of Poverty study tour to Peru in 2012 saw five co-op and credit union leaders visit Norandino/Cepicafe, a co-operative of small scale sugar producers. The group included Myrna Bentley, former CEO of Concentra Financial, John Harvie, retired CEO of Co-op Atlantic, Leo LeBlanc, Corporate Secretary and Vice-President of Human Resources and Corporate Affairs of Co-op Atlantic, Alexandra Wilson, Executive Director of the Agency for Co-operative Housing, and Al Morin, President and CEO of Assiniboine Credit Union.

• 8 organizations have Host a Fundraising Event

Celebrate the life of someone who was dear to you by giving a gift in their memory.

As an individual or with your family, friends or colleagues, host a fundraising event. Let us know if you have a creative fundraising idea or if you wish to discuss a fundraising event.

Personal Donations The Build a Better World Campaign has brought hundreds of new individual donors into the CDF family. Your personal gift to CDF, either as a one-time donation or through monthly giving, allows you to build a better world.

Leave a Planned Gift

Leaving a gift to CDF in your will is a unique way to make a lasting and substantial contribution. A planned gift can help you realize tax benefits in your current financial T do o na planning and lower taxes for estate te call (866) 266-7677, ext. 605 beneficiaries. For more information e-mail us at cdf@coopscanada.coop or visit us on-line at: on Planned Giving, or to let CDF www.cdfcanada.coop know you have named us in your will, please contact Julie Beckett Cheques payable to the ‘Co-operative Development Foundation at 613-238-6711 ext 242. of Canada’ can be sent to: 400 – 275 Bank Street, Ottawa, ON, K2P 2L6 All donations over $10 will be issued a tax receipt. Charitable registration number: 11887 5517 RR0001

CCA staffers climb past a glacier last summer as they close in on the peak of Mount Kilimanjaro and $17,000 in pledges to the Build a Better World Campaign.

pledged or donated between $100,000 and $500,000.

• 13 organizations have

pledged or donated between $10,000 and $100,000.

• Many people have also found

creative ways to raise money. More than $17,000 was raised by three CCA staff who climbed Kilimanjaro. Doug Wright of The Co-operators raised over $12,000 from a public hair cut.

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

Honorary or Memorial Gifts

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GIVING CREDIT where credit is DUE THANK YOU CDF DONORS (2012-2013 DONATIONS OVER $5,000)

Th e Fac e o f De v elop men t

$100,000 and over Federated Co-operatives Ltd. Gay Lea Foods Co-operative Ltd.

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$50,000 - $99,999 Affinity Credit Union Concentra Financial Services Association Credit Union Central Alberta First West Credit Union Saskatchewan Credit Unions Vancity $25,000 - $49,999 CAW - Social Justice Fund Coast Capital Savings Manitoba Council for International Co-operation (MCIC) National Young Leaders Committee Servus Credit Union The CUMIS Group United Farmers of Alberta (UFA) Westoba Credit Union

$10,000 - $24,999 Alterna Savings & Credit Union Arctic Co-operatives Ltd. Assiniboine Credit Union Atlantic Credit Unions Cambrian Credit Union Co-op Atlantic Credit Union Central of Manitoba Credit Union Foundation of BC Federation of Alberta Gas Co-ops GROWMARK Inc. Saskatchewan Council for International Co-operation (SCIC) Steinbach Credit Union $5,000 - $9,999 Access Credit Union Communication Technologies Credit Union Ltd. Credit Union Central of Canada Glen Tully Michael Barrett Northern Savings Credit Union Oceanrock Investments Inc. The Flag Shop The KPMG Foundation Vic Huard

CDF BOARD OF DIRECTORS 2012-2013 Michael Barrett – Chair Chief Operating Officer, Gay Lea Foods Co-operative Limited Cheryl Byrne – Vice Chair CEO CUSOURCE Credit Union Knowledge Network VP Knowledge Services of Credit Union Central of Canada Jill Kelly – Secretary-Treasurer Retired CEO, CCEC Credit Union Beryl Bauer (to September 2012) Vice-Chair, Federated Co-operatives Ltd. Barry Delaney SVP, Business Development, First West Credit Union Claude Gauthier Ontario Region Director of Operations, GROWMARK Inc. Wayne McLeod (to September 2012) President & CEO, Westoba Credit Union Darcy Mykytyshyn (from September 2012) Director, Servus Credit Union Mary Nirlungayuk (from September 2012) Vice President, Corporate Services, Arctic Co-operatives Limited Gary M. Seveny Principal, Seveny Consultants & Associates Sandy Wallace 1st Vice-Chair, Credit Union Central of Manitoba


Volunteers are turning poverty into PROSPERITY

CCA and CDF volunteers are empowering communities around the globe. To join the team visit:

www.coopscanada.coop or www.cdfcanada.coop

THANK YOU CCA/CDF VOLUNTEERS 2012-2013 Bill Dobson Richard Doerksen David Domes Paul Duncan Noella Duncan Deborah Edwards Vanessa Elliott Karim Esmail Allan Esser James Felsch Leona Fleck Anika Forde Christopher Galloway Elise Garand Lisa Gaudry Terry Geib Barry Gosnell Vera Goussaert Sheelagh Greek Heather Hale Cindy Hanson Sasha Hanson Pastran Jim Harris John Harvie Murray Hidlebaugh Carol Hunter Danielle Nicole Huot Heidi Hyokki Siri Jackson-Wood Jim Jarvis Ken Jenner Rick Juliusson Scott Kennedy

Diane Kitching Susan Klassen Tracey Kliesch Bill Knight John Lahey Jim Laverick Leo Leblanc Richard Lemoing Lorri Lochrie Catherine Ludgate John Mach Megan Malone Joyce Mankarios Dennis Matthies Bev Maxim Dixie Lee Mazuren Karen McBride Elaine McCullum Nicholas McGee Andy McGillivray Adele McGuire Marilyn McKee Carolyn McPherson Graham Mickleborough Karen Miner Al Morin Andy Morrison Jill Mulholland Darcy Mykytyshyn Jennifer Nelson Erin Nesci Yassaman Nouri Mary Nirlungayuk

Heather O'Hare Anthony Okuchi Sarah Pervez Patrice Pratt Christine Racine Trudy Rasmuson Rene Ritchot Rocio Ritchot Bruce Rogers Rosenort Credit Union Edward Sauve Serese Selanders Gary Seveny Ken Shea Douglas Shumilak Dave Sitaram Derek Skogen Laurie Smith Kerr Smith Bruce Smith Morris Smysnuik Shohreh Soltaninia Jayne Taylor Gwen Temmel Norma Tomiczek Rolf Traichel Bryan Tudor Glen Tully Richard Turley Carlo Valle Miriam Valois Kirsten Van Houten Mark Ventry

Sandy Wallace Harvey Wedgewood Jennifer Williams Alexandra Wilson Jason Worobec Janet Zukowsky Credit union communicators travelled to Uganda this year to observe CCA’s work linking co-op farmers to financial and marketing co-ops. Their stories have appeared in newspapers, magazines and on social media across Canada.

CCA INTERNATIONAL PROGRAM COMMITTEE MEMBERS, 2012-2013 Patrice Pratt, BC – Chair Myrna Bentley, SK – Vice-Chair Michael Barrett, ON Dan Burns, BC Terry Geib, AB Scott Kennedy, ON Dave Sitaram, ON Norma Tomiczek, NS Sandy Wallace, MB Janet Zukowsky, PQ

Int e rnat i onal De ve l opme nt Rev iew 2012-2013

Alice Afram Kwabena Amoah Linda Archer Lucy Bamforth Craig Barclay Michael Barrett William Barrett Beryl Bauer Myrna Bentley Dana Blackwell Gabi Bognar Dale Boisclair Jon Booren Danika Brandvold Rayanne Brennan Michael Brin Donna Bruce Beth Bruesch Joan Burdeniuk Dan Burns Jodi Chambers Deborah Chatterton Lacey Chyz Carol Cisecki Charlie Collura Ashley Cook Neil Cooper Cindy Corrigan Gene Creelman Natalia Cruz Barry Delaney Barbara Dalzell Blair Dixon

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Follow us on: www.twitter.com/CoopsCanada www.facebook.com/CoopsInCanada

JOIN the team • Give back to others • Share your knowledge • Live the co-operative values

become a CCA volunteer. Check out: www.coopscanada.coop or write to: Sarah.Feldberg@coopscanada.coop See it all at the CCA Cinema: www.ccacinema.coopscanada.coop

CCA volunteer coach Charlie Collura, CEO of Healthcare and Municipal Employees Credit Union in Hamilton, ON (left) shakes hands with wheat farmer "Choko" during the 2012 Mongolia coaching mission. Choko is the board chairperson of Khas Byan Ulzitt Savings and Credit Co-operative about 100 km north of Ulaanbaatar. He says credit union loans have made it possible for him to grow his farm into a successful business.

Printed on Forest Stewardship Council-certified, post-consumer recycled paper. Design and Production: Green Communication Design inc. www.greencom.ca

Les programmes de l‘Association des coopératives du Canada sont réalisés avec l’appui financier du gouvernement du Canada accordé par l’entremise de l’Agence canadienne de développement international (ACDI). Canadian International Development Agency

Agence canadienne de développement international

Canadian Co-operative Association programs are undertaken with the financial support of the Government of Canada provided through the Canadian International Development Agency (CIDA).

The Canadian Co-operative Association is a national organization for co-operatives and credit unions. We are a not-for-profit co-operative owned by our members. Our mission is to provide leadership to promote, develop and unite co-operatives in Canada and around the world. CANADIAN CO-OPERATIVE ASSOCIATION 400 – 275 Bank Street, Ottawa, Canada K2P 2L6 Tel: (613) 238-6711 Ext. 207 • Fax: (613) 567-0658 Toll Free: (866) 266-7677 Ext. 207 Email: international@coopscanada.coop

International Development Review 2012-2013/CCA  
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