CLAVERIA GRASSROOTS MULTI-PURPOSE COOPERATIVE
“Stockholder-anchored Excellence Towards Global Competence”
SUCCESS PROFILE 2012 CLAVERIA GRASSROOTS MULTI-PURPOSE COOPERATIVE CDA Registration No.9520-02002109 | Cooperative Identification No.(CIN)104020176 Centro-3 Claveria, Cagayan 3519, Philippines Tel. No.(078)-866-1008 /Telefax No.(078)-866-1009 /Mobile No.09085359000 Email Address: firstname.lastname@example.org
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The Cooperative VISION “A progressive and financially stable and viable e-cooperative that provides quality products and services to cater to the various needs of each members, thus uplifting their socio-economic living condition and the community as well”
MISSION “Ensure the cooperatives viability and sustainability to meet the social, economic and other developmental needs of members by providing quality financial agricultural, social and other allied services with utmost efficiency”
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COOP BRIEFS AND BACKGROUNDS
Building the name: its milestones and Laurels Claveria Grassroots Multi-Purpose Cooperative is situated in the heart of the Municipality of Claveria, one of the coastal towns among the 29 municipalities of the Province of Cagayan. The town is abode to a wealth of scenery; vast natural resources; and industrious, hardworking people earnestly engaged in agriculture, industry and business for the rapid economic advancement. The Municipality of Claveria has 41 barangays characterized by a peaceful and orderly society susceptible to agricultural and industrial production. Its natural resources invite several domestic and foreign businessmen to make it as one of the investment hubs in the north, yet, despite the growing competition between local businesses and multi-national firms, one cooperative thrived in the midst of difficulties. It was able to surpass and eventually make life easier for native Claverianos as it gained its momentum in business and uplifting the lives of marginalized people. Stretching from its beginning grants as agricultural loans, the Claveria Grassroots MultiPurpose Cooperative has successfully grown to be a tiger firm continuing to elevate the quality of life of its members and the society that hosted its growth. As the years of its existence unfold, its dedication seems to burn more as its name soars higher in the field of good governance and social responsibility. For years now, it has been a good subject of inspiration and bearer of good examples for an organization to thrive in the middle of the challenges of a global market and a distracted business atmosphere. More so, the substantial impact and the mark it instilled to every household and individual it helped will always remind the society of its steadfast mission anchored in helping its members help themselves.
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The Cooperative Marvel and its Beginnings In Claveria, during the early 1970â€™s there was the challenge of removing the burden of socioeconomic difficulties out from the lives of the people, particularly the poor. The people, especially those from the depressed and remote barangays were suffering from the curse of poverty. The situation was aggravated by series of natural calamities which destroyed crops, houses, and infrastructures that cost thousands or even million of pesos. Overburdened, the people of Claveria resorted to oppressive terms of loan sharks and middlemen. Small entrepreneurs lagged in production due to inadequate financing, while the businesses suffered stagnation and even retrogression. This pave the way for the search of a solution to meet head-on the problem and the organization of a cooperative was envisioned as the best and surest way to uplift the condition of the people. This was born, the Claveria Grassroots Credit Cooperative, Inc.,on August 6, 1972 through the initiative of Mrs . Petrona E. Aguinaldo , a dedicated and committed nurse and her husband Juan Aguinaldo, a former teacher by profession. The couple has been very much concerned with the socio-economic development of the community most especially the poor and the needy, and their grand vision of caring, poor-oriented cooperative finally came into existence. Their commitment to assist the grassroots was complemented morally and supplemented financially by a cooperative German Priest, Fr. Edward Prawdzik, SVD, who was the Parish Priest of Claveria at that time. He has been a very dedicated, committed and service-oriented priest. He acted as the first keeper of the chest during the infancy stage of the cooperative making use of the tabernacle. Before the formal organization, a pre-membership seminar was conducted to 28 prospective members. These optimistic people pooled their resources and organized the Claveria Grassroots Credit Cooperative, Inc. with an initial capital of P 1,128.00. The residence of members had been temporarily used as office prior to the establishment of small office at the ground floor of St. Joseph Parish Convent, where Mrs. Petrona Aguinaldo acted as the President and General Manager. There was only one employee who had been receiving only P 50.00 a month. The 28 original cooperators elected their first five members of the Board of Directors, and three members each for the Credit Committee, Education Committee and the Supervisory Committee. These elected officers worked hand in hand for the growth and development of the newly organized cooperative, free of remuneration for their services. Despite of meager or limited capital, the Cooperative started its credit operation to let the members feel that the cooperative is of help to their immediate needs, and to their problems. By then loans were released to farmer-members who were in need of financial assistance. From the beginning the cooperative stressed to the people that no member has to be accepted unless he has undergone a pre-membership seminar, in order to inculcate in his mind the Claveria Grassroots MPC Success Profile 2012 | 4
flow of operation of cooperatives, his rights and privileges, his duties and responsibilities and to make him aware of the different functions of the officers and staff of the cooperative. Conscious of the fact that people deserve to be respected and be given utmost professionalism, officers and employees deal with members fairly and justifiably with high regard to honesty and integrity in the transaction of all businesses. As a result mutual trust and respect between Coop officers and staff members and members was established which in turn provided for a smooth transaction of activities. As mandated by the government, and in order for the cooperative to be duly recognized, it was registered originally with the Department of Commerce and Industry on August 31, 1972. Due to the increase and scope of services of the cooperative, its name was then changed into Claveria Grassroots Multi-Purpose Cooperative, Incorporated and was registered with the Department of Agriculture, Region 11on May 8, 1988 with Certificate of Registration No. FF-487-RR. With the creation then of the Cooperative Development Authority which is in-charge of cooperatives, and in compliance with Executive Order No. 898, the Claveria Grassroots Multi-Purpose Cooperative registration was confirmed by the Cooperative Development Authority with confirmation No. 1187 on April 11, 1991.
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THE COOP WORKFORCE Taking the Gigantic Leaps and Continuing the Legacy The General Assembly. It is composed of all the members of the cooperative, is the highest body in the CGMPC. It holds the most powerful position of decision making. It is composed of farmers, fishermen, vendors, students, laborers, un-employed, self-employed, professionals working in private and public organizations, and most of all housekeepers. Aside from the regular members, the Cooperative has also special depositors, the minors. The Board of Directors. The seven (7) members of the Board of Directors, who are elected by the General Assembly decide on immediate policies, regulations, and important matters and direct the management of the cooperative. Commitees. To help in the management of the Cooperative are elected members of the different committees: the Credit Committee, primarily concerned with loan programs of the cooperative., the Election Committee, the Audit & Inventory Committee and the Education Committee headed by the Vice-Chairman of the Board of Directors. The Barangay ‘kataleks.’ The Barangay Representatives group was organized also by the Cooperative. They were elected by the members themselves in their respective barangays. They are the arms of the cooperative in the barangay level and representatives of the members in their barangays during meetings convened by the Cooperative aside from the General Assembly. Meetings, conferences were conducted to discuss or deliberate matters pertaining to the smooth operation of the Cooperative. The management Staff, headed by the General Manager, is composed of 43 employees. To motivate them to work efficiently and effectively, they are given benefits and privileges, aside from their salaries: 13th month pay, vacation leave pay, cash incentives and productivity pay. The Claveria Grassroots Laboratory Cooperative. The Claveria Grassroots Laboratory Cooperative is established through the Claveria Grassroots Multi-Purpose Cooperative Board of Directors’ Resolution on August 27. ALL Children 7 - 17 years old are invited to join the LabCoop. They automatically become regular members of Grassroots Cooperative upon reaching the age of 18.
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THE OPERATION OF THE COOPERATIVE Clientele-welfare oriented services to boost member morale and loyalty Aside from the usual loan operation, mortuary aid had been launched in 1972. The death assistance fund comes from the members themselves by having yearly contributions which are being deposited in the cooperative for the members beneficiaries. Formerly, a death aid of ten thousand pesos is given to the beneficiaries of a member who dies but it was increased to twenty thousand pesos then to thirty five thousand pesos (P35,000.00) at present. To claim the death aid, the beneficiary/ies must present the passbook of the deceased member and the death certificate. In 1978, or six years after it was organized, the Claveria Grassroots Multi-Purpose Cooperative attained its million mark in its assets. With the dedication and commitment of the officers and the management staff, assets of the cooperative increased to P148,669,731.06 as of December 31, 2003, P175,684,446.36 as of December 31, 2004, P207,499,672.00 as of December 2005, P 225,071,192.43 as of December 31, 2006 and P236,961,672.12 as of December 31, 2007, P243,720,888.02 as of December 31, 2008, as of December 2009, P259,293,401.69, as of December 2010, P263,808,867.14. Membership increased to 12,548 as of December 2010 consisting of farmers, fisherfolks, housewives, professionals, youths, vendors, businessmen, traders, government and private employees, NGOâ€™s and others. It gradually uplifted the living condition of the poor and the needy of Claveria, and the adjacent towns of Sanchez Mira and Sta. Praxedes. Added to its area of operation are the municipalities of Calayan and Pamplona in Cagayan and Sta. Filomena of Apayao province. With its continuing growth in membership, increased portfolio of members, and expansion of the different services, supplemental capital sources and resources have been realistically difficult to obtain. However, the Cooperative adopted several Capital Build-up schemes aside from the collected Mortuary Fund. Mandatory deductions of 5% of every loan applied by every member, which is added to the share capital. These schemes made the Cooperative won in the Search for the Cooperative with the Biggest Capital Build-up launched by the Cooperative Development Authority through its Savings Mobilization Program in 1994. Continuous implementation of the capital build-up schemes has helped a lot in the expansion of capital/resources of the Cooperative which serve the financing and development of other projects, and made financial supplement stable. The Cooperative increased its coverage in terms of its service through financial assistance to agricultural projects such as swine production, cattle production, rice vegetable production wherein it increased also the loan portfolio of the borrower in order to meet the credit needs of low income members. It also provides technical management consultancy in their economic needs and Claveria Grassroots MPC Success Profile 2012 | 7
activities in order to increase income. Another project which caters the needs of farmerâ€“members is the Palay Marketing Operation of the Cooperative. This has prevented farmer-member from being exploited by unscrupulous middlemen that take advantage of them. The members have availed of this in the form of cash or in the form of subsistence loan payable within two months or after harvest. The latest project open to serve the public is the in-store mechanical dryer which was given free by NAPHIRE Munoz Nueva Ecija and also Multi-Crop Solar Dryer thru the help of Department of Science and Technology, this does not only help farmers but fishermen and businessmen, as well. Aside from palay buying and rice trading, the project expanded its operation to swine breeding, the Cooperative has also granted loans to members who are engaged in some different Livelihood Projects like: peanut processing, native candy making particularly the famous especial bibingka, rattan craft, furniture and cabinet making. It also helped market vendors, sidewalk vendors, sari-sari stores who are usually women. The program augmented their income/capital which resulted in more income. It also helped eradicate gradually loan sharks in the market. The Cooperative has also Shopping Center where it purchases grocery items, school and office supplies, kitchen wares, gift items, ready to wear, appliances and pharmacy; and AgriHardware where it purchases insecticides and pesticides, swine, poultry and aqua feeds, veterinary medicines, hardware, electrical and construction materials, farm inputs and machineries and sell them to members at reasonable and affordable prices. The members can avail of this program on a cash or loan basis. Likewise, the Cooperative is offering agricultural facilities like hand tractors, rice threshers in the form of loan aside from the Rice Production Loan. These projects are supervised credits and payable within five cropping seasons or two and a half years. Payments are made in kind every after harvest season. Regular loan (Character/Providential Loan, Business Loan, Real Estate Loan, Agricultural Loan, Educational Loan and Medical Loan), salary loan and special loan (Pensioners, Passbook Loan Service, Paluwagan and Merchandise Loan) are also being granted to the members at a very minimum interest of 18% p.a. with a service charge of 3% per annum. On the other hand, professionals can avail of salary loan, either three months or five months salary depending upon the capacity of the member-borrower to pay. For the year 2004, the cooperative has expanded to the hauling and selling of fuels (gasoline, diesel, kerosene) and lubricants. On the other hand a refreshment parlor and kitchenette is available to its members. Claveria Grassroots MPC Success Profile 2012 | 8
In 2010, the Cooperative was able to loan out the amount of P67,452,749.13 and 2,038 member-beneficiaries The cooperative had a total assets P 263,808,867.14 as of December 31, 2010. It has a total membership of 12,548 as of December 2010. The Cooperative was able to construct its office (Main Building) where the Credit Department, the Finance and Accounting Section and the office of the Board of Directors and Committees are located. A Shopping Center which houses the grocery items, school and office supplies, kitchen wares, gift items, ready to wear, appliances and pharmacy; a Hardware with swine, poultry and aqua feeds, insecticides and pesticides, veterinary medicines, hardware and electrical materials and farm inputs and machineries; and the Multi-purpose Hall which serves as venue for conferences, trainings, meetings, and special occasions is located. With all these projects/programs launched and being undertaken by the Cooperative, the members who come from different walks of life are benefited. These are the concerted efforts of the officers, the management staff and the general membership. The continuing growth and success of the cooperative has not been achieved if not of the dedicated, committed and service-oriented management staff headed by the Manager, officers who are doing well their duties and responsibilities and the general membership represented by the Board of Directors who formulate the policies and guidelines that govern the smooth and honest operation of the cooperative. With all these dedications and commitments, the Claveria Grassroots Multi-Purpose Cooperative has received various awards, plaques of recognition and appreciation given by different agencies, private as well as government.(Please see attached list of citations and awards) On the other hand, the Cooperative has extended sincere support to the programs and projects of the NGOâ€™s and the government, particularly during disasters, and other special occasions The Claveria Grassroots MPC is not only concerned in its growth and development but also to other cooperatives not only in Claveria but also in other municipalities, in Cagayan and Apayao.
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COOPERATIVE’S EXEMPLARY PERFORMANCE AND CONTRIBUTIONS The Coop’s steadfast dedication: Touching Lives, Lifting Spirits Members’ common welfare and benefits coupled with quality service to the people have always been the concern of the Claveria Grassroots Multi-Purpose Cooperative. Equipped with good credit policies and loan portfolio, and good management, the Cooperative has transformed plain housewives into small business entrepreneurs. Many are engaged in market vending of animal products and vegetable raised by farm families; grocery items; and dry goods, with their initial capital lent by the Cooperative. Also, members who are gifted with special skills acquired through experience and/or trainings sponsored by the Cooperative and other Institutions, such as furniture making, and other wood and rattan craft, dress making, and beauty culture have established their own shops, through the financial assistance of the cooperative, thus providing them gainful employment. It also helps other members of the family, out of school youth, mothers and even farmers get employed. Additional income generated from livelihood projects financed and supervised by the Cooperative, like fish cages for fish production, food processing, swine breeding, swine fattening, cattle raising, and some others, coupled with its educational program, have helped families of members send their children to pursue and finished college education thus, giving them better employment opportunities and become employed either in private or public entities, here in the Philippines or abroad. Barangay-based cooperatives and farmers associations have been benefited from the services of the Cooperative, either through inter-lending of goods, farm inputs, and animal feeds in cash or on a consignment basis. These increase their present resources or capital. This system does not only help the barangay cooperatives grow in capital and income but also their members, by alleviating their socio-economic status. Through genuine cooperative spirit and entrepreneurship, the Cooperative grows socially and economically as it attends to the needs and requirements of its members. The increase of business establishment owned by members and financed by the Cooperative, makes Claveria become a busy center of the socio-economic activities. Member-borrowers and organizations benefited from the credit services of the cooperative become self-reliant. Improved productivity and profitability of farmers and fishermen and low unemployment rate in the municipality are good indicators of the outstanding accomplishments of the Cooperative. The Cooperative contributes to the socio-economic development of the municipalities covered particularly the municipality of Claveria, through the taxes paid. The Claveria Grassroots MPC also actively participates and involves in community affairs like the Clean and Green Program, Nutrition Program, Alay Pamasko and the like, sponsored by Non-Government Organizations and the LGU’s. Claveria Grassroots MPC Success Profile 2012 | 10
Thru the years Claveria Grassroots MPC is always after the successful implementation of its vision of improving the quality of life of its members through efficient and effective service.
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LIST OF CITATIONS AND AWARDS Certificate of Recognition to CGMPC – Municipality of Claveria , Centro VII Sangguniang Barangay and Brgy. Nutrition Council – July 20, 2008 Certificate of Recognition to CGMPC – Outstanding Cooperative in Region 02 (Large Coop Category) – Cooperative Development Authority (CDA) Tuguegarao Extension Office, Tuguegarao City – December 19, 2008 Certificate of Recognition to CGMPC – Highest in Net Surplus (Large Coop Category) – Cooperative Development Authority (CDA) Tuguegarao Extension Office, Tuguegarao City – December 19, 2008 Certificate of Recognition to CGMPC – Highest in Business Generation (Large Coop Category) – Cooperative Development Authority (CDA) Tuguegarao Extension Office, Tuguegarao City – December 19, 2008 Certificate of Recognition to CGMPC - for reaching EIGHTY ONE MILLION (P81,000,000.00) as Paid-Up Capital for 2008 – Cooperative Development Authority (CDA) Tuguegarao Extension Office, Tuguegarao City – December 19, 2008 2008 Outstanding Filipino Retailers – National Finalist – led by the Department of Trade and Industry and Filipino Retailers Association (PRA) – December 9, 2008 Productivity Olympics 2008 – Best in People Development (Small Enterprise Category) Regional Awardee and National Finalist – Department of Labor and Employment(DOLE) and National Wages and Productivity Commission(NWPC) – October 22, 2008 Quality Seal for Drugstores to Claveria Grassroots MPC Pharmacy – Department of Health (DOH) and Bureau of Foods and Drugs (BFAD) – September 24, 2008 Silver Seal of Excellence on Certified Estbalishment – Department of Trade and Industry (DTI-RO2), Tuguegarao City – October 27, 2007 Certificate of Recognition to CGMPC – Abra State Institute of Sciences and Technology, Lagangilang, Abra– February 18, 2005
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Gawad Geny Lopez Jr. Bayaning Pilipino 2004, Regional Award, Institution Category – July 16, 2004 Certificate of Recognition to CGMPC – February 23, 2004 by Abra State Intitute of Sciences and Technology, Lagangilang, Abra Certificate of Recognition to CGMPC – November 2003 by Municipal Cooperative Development Council, Claveria, Cagayan Plaque of Appreciation – CAVALCO – 2002 Certificate of Recognition to CGMPC – April 2001 by Abra State Institute of Sciences and Technology, Lagangilang Abra. Plaque of Appreciation to CGMPC by Plan International – February 2001. Certificate of Recognition to CGMPC – May 2000 by Municipality of Claveria. Plaque of Appreciation awarded by 5 Star Credit and Development Coop(CREDECO)Gamu, Isabela National Award for Most Outstanding Primary Cooperative Non-Agricultural MultiPurpose Category- November 16,1996 by Cooperative Development Authority Certificate of Recognition by Municipality of Claveria- Nutrition Month Celebration 1996 Regional Award for Most Outstanding Non-Agricultural Multi-Purpose Cooperative awarded by Cooperative Development Authority- October 23, 1996 Certificate of Recognition to CGMPC by Municipality of Claveria – December 1995. Certificate of Recognition to CGMPC by Municipality of Claveria – July 1995. .Katibayan ng Kagalingan ng Natatanging Samahan ng mga Maliliit na Mangingisda ng 1995 awarded by Department of Agriculture – May 31, 1995. National Award – Certificate of Recognition awarded by Cooperative Development Authority in Quezon City - March 16, 1995. National Award for Most Outstanding Entrepreneurial Cooperative - November 15, 1994 by Cooperative Development Authority. Regional Award for Biggest in Capital Build-up - November 10, 1994. Claveria Grassroots MPC Success Profile 2012 | 13
Regional Award for Most Outstanding Cooperative - April 20, 1994 by Gatilyo Masa ng Bayan. National Award for Most Outstanding Cooperative – January 6, 1994 by Progressive Alliance of Citizens for Democracy (PACD). Regional Award for Most Outstanding Cooperative – January 6, 1994, awarded by PACD. National Award for Most Outstanding Filipino Achiever in Entrepreneurship – November 19, 1993 by NEPA. Regional Award for Most Outstanding Cooperative – 1993 by Cooperative Development Authority. Regional Award for Most Outstanding Cooperative – 1993 by Cooperative Development Authority. National Award for Most Outstanding Cooperative in the Philippines ( Non Agricultural Community Type) by Cooperative Union of the Philippines – December 5, 1992. Plaque of Recognition to Petrona E. Aguinaldo – President and General Manager for Effective Management of COOP BANK – October 22, 1989. Plaque from the Department of Agriculture Region 02 as Outstanding Credit Cooperative – 1987. Outstanding Credit Cooperative – Third Placer by BCODMAF and CUP – 1985. Testimonial Plaque of Recognition to Claveria Grassroots Credit Cooperative, Inc. by the Phil. Federation of Credit Cooperative – 1985. Pope John Paul Pontifical Certificate Apostolic Blessing to Claveria Grassroots Credit Cooperative, Inc. – 1984. Plaque of Appreciation to Mrs. Petrona E. Aguinaldo as President and General Manager of the Claveria Grassroots Credit Cooperative, Inc. – By Ministry of Agriculture Region 02 - 1982 .
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Most Outstanding Credit Cooperative by KABIBI Consumers Cooperative, Inc. 1981. Certificate of Thrift Honor Award to Millionaire Credit Union by Bureau of Cooperative Development, Q. C. – 1981.
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CERTIFICATE OF APPRECIATION Certificate of Appreciation to CGMPC – Provincial Cooperative Development Council Cooperative Development Authority Province of Ilocos Norte – January 20, 2010 Certificate of Appreciation to CGMPC – Santiago Vocational and Industrial School Credit and Development Cooperative (SVIS-CREDECO) Santiago City – July 7, 2007 Certificate of Appreciation to CGMPC – Government of Laoag Employees Development Cooeprative (GLEDCO) – July 14, 2007 Certificate of Appreciation to CGMPC – Ilocos Norte Provincial Cooperative Union, October 27, 2006 Certificate of Appreciation to CGMPC – Municipality of Claveria, Claveria Town Fiesta 2005 Executive Committee, May 11, 2005 Certificate of Appreciation to CGMPC – May 5, 2005 by Wesley Savings and Development Cooperative, CAVALCO Building, Rizal, Santiago City Certificate of Appreciation to CGMPC – Alimoan Elementary School, Alimoan, Claveria, Cagayan – March 29, 2005 Certificate of Appreciation to CGMPC – San Joaquin Multi-Purpose Cooperative, Sarrat, Ilocos Norte – October 21, 2004. Certificate of Appreciation – MCDC, Isabela – August 2002 Certificate of Appreciation to CGMPC – May 2002 by Municipality of Claveria. Certificate of Appreciation to CGMPC – 2002 by CEIN (Cooperative Education of Ilocos Norte). Certificate of Appreciation to CGMPC – July 30, 2002 by Municipality of Claveria – 2001 Nutrition Month Celebration. Certificate of Appreciation to CGMPC – October 2000 by Municipal Health Office Certificate of Appreciation to CGMPC by Municipality of Claveria – December 1995. Certificate of Appreciation to CGMPC by Municipality of Claveria – October 1995 Claveria Grassroots MPC Success Profile 2012 | 16