BIBLIOGRAPHY EVANGELISTA, MA. KRISTINA SOPHIA...
BIBLIOGRAPHY
EVANGELISTA, MA. KRISTINA SOPHIA C. OCTOBER, 2009. (Pre-Post)
Assessment of the Pre-membership Education Seminar of Baguio-Benguet Community
Credit Cooperative. Benguet State University, La Trinidad, Benguet.
Adviser: Luke E. Cuanguey, BS.
ABSTRACT
The study intended to know the socio-demographic profile of the prospective
members of BBCCC, to find out the topics that are discussed during the PMES and to
find if the meaning of cooperative and the policies and benefits of being a member of
BBCCC are comprehensively understood by the prospective members during the PMES.
There were eighty two prospective members who served as respondents of the
study. It was found that majority of t respondents were female with the age bracket of
twenty seven to thirty five years old, mostly married with an average of four to six
household members. Almost all of them were college graduates and were employed
either in the government or private institutions.
There were four topics discussed during the PMES. These were briefly explained
by the Board of Directors and the members of the Education Committee of BBCCC.
The result showed that most of the prospective members were already
knowledgeable on the topics discussed during the PMES as indicated by the number of
respondents who got the correct answers in the pre-PMES assessment test. There was a
slight increase in the number of respondents who got the correct answers in the
assessment test after the PMES. The statistical test done showed no significant difference
in the number of respondents who answered the correctly answered the pre-assessment
test and the post-assessment test.
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TABLE OF CONTENT
Page
Bibliography . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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Abstract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Table of Contents . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iii
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Rationale of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Statement of the problem . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Objectives of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Importance of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Scope and Delimitation of the Study. . . . . . . . . . . . . . . . . . . . . . . . .
3
REVIEW OF LITERATURE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Importance of Recruitment and
Expansion of Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Importance of Education and Training . . . . . . . . . . . . . . . . . . . . . . .
4
Definitions of Education and Training . . . . . . . . . . . . . . . . . . . . . . .
6
Right Education Refers to People
Development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
Kinds of Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
The Normal Bonds of Membership . . . . . . . . . . . . . . . . . . . . . . . . . .
7
Topics Discussed on PMES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
Application for Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
Duties of the Education and
Membership Committee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
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METHODOLOGY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9
Locale and Time of the Study. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Respondents of the Study. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Research Instrument . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Data Gathered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11
Data Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11
RESULTS AND DISCUSSION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
Socio Demographic Profile of the Respondents . . . . . . . . . . . . . . . .
12
Number of Respondents who Passed the Pre and
Post Test for Part I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15
Number of Respondents who Passed the Pre and
Post Test for Part II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
20
Number of Respondents who Passed the Pre and
Post Test . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
25
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
Conclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28
Recommendations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28
LITERATURE CITED . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
30
APPENDIX
A. Communication Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
31
B. Survey Questionnaire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
32
C. Policies of BBCCC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36
D. Appendix Tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39
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1
INTRODUCTION
Rationale of the Study
Baguio-Benguet Community Credit Cooperative (BBCCC) is basically a
Democratic and members owned financial enterprise. It renders services such as savings,
grants loans, builds capabilities, provides consumers education, open revenue
opportunities, spread risk and maximize the purchasing power of member’s loan through
collective tactics and bulk buying of goods and services. Then at the end of the year if
there is a net surplus, BBCCC distributes net savings to members as dividends and
patronage refund.
Before an individual become a member of the cooperative, he/she is required to
attend the Pre-Membership Educational Seminar (PMES). In this seminar the individual
is oriented on the principles, practices and philosophies of the cooperative.
As of May 31, 2008, BBCCC’s Net surplus was P18, 873,381.58 while their total
assets was P935, 751,869.95. Other financial figures reported by their accountant were as
follows: Share Capital, P631,832,839.18; Savings Deposit of member, P 76,368,296.92;
Time Deposits of members, P 51,722,744.49.
There are now 19,497 active numbers of BBCCC 15,965(4,626 males and 11,339
females) are regular members.
The cooperative has been conducting monthly Pre-membership Educational
seminar (PMES) since January to incoming members. Base on the report of the members
of the Education Committee and from the report of Dr. Valdez to the board, there has
been an average of 64 members being approved every month since February 2008. From
the WEYCOM chairman, Director Belle Ronquillo’s report, there has been a monthly
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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average of 25 associate members approved by the board since the first quarter. She stated
that “Indeed, with all our difficulties and changes, our cooperative is constantly
growing!”
The main reason why people join a cooperative is for them to finance their needs
such as education, medical and other important needs but some use loan to finance their
business establishments. Since the cooperative is a form of business organization then its
clients, the members should be properly educated the cooperative way so that they would
become responsible members.
The education for cooperative members has no end, but it has a beginning. Before
people join in a cooperative, they must be properly oriented with its policies so that they
would know their duties, rights and responsibilities. To find out if potential members
attend the PMES inorder to improve their knowledge on cooperative before joining is
very important information to the education committee. Thus, this study was conducted.
Statement of the Problem
A pre and post assessment of the PMS conducted by the cooperative to incoming
members would show if the individual’s knowledge about cooperative had improved.
Thus the study tried to find answers to the following questions:
1. What are the socio demographic profiles of the prospective members of
BBCCC?
2. What are the topics discussed during the PMES of BBCCC?
3. Are the prospective members enlightened comprehensively during the PMES
on the meaning of cooperative, the policies of BBCCC and the benefits they get from its
services?
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Objectives of the Study
The objectives of the study were the following:
1. To find out the demographic profiles of the prospective members of BBCCC.
2. To find out the topics that are discussed during the PMES.
3. To find out if the meaning of cooperative, the policies of BBCCC is
enlightened comprehensively to the prospective members during the PMES.
Importance of the Study
The result of this study could help the education committee in introducing
innovations on their training and other educational practices needed for a successful
operation. It would also serve as reference to other researchers who have an interest to
conduct a similar study.
Scope and Delimitation of the Study
Due to time and budget constraints the assessment was only done twice. The first
was conducted to the participants for December, 2008 and the second was to the
participants for January 2009. Only one hundred prospective member were taken as
respondents.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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REVIEW OF LITERATURE
Importance of Recruitment and
Expansion of Membership
Recruitment is the selection process one must go through in order to be selected
as a probationary member of a cooperative. Continuous recruitment and expansion of
membership are necessary for the growth of a cooperative. This enables the cooperative
to increase its capital through the share capital contribution and savings of members as
well as expand the number of families who would share in the benefits from the
cooperative.
Importance of Education and Training
The importance of education and training of members is for their enlightenment in
order that they will support and be responsible in their duties and responsibilities. Agustin
(2000) as cited by Atin-an (2003) mentioned that non-attendance to training is one reason
why members are not active and not patronizing the services of the cooperative. This is
because when they do not attend seminars and training they would be ignorant of their
duties and responsibilities in the cooperative as well as their right and privileges and the
benefits they could get by being an active patron.
While training remains only as one of the numerous alternative approaches
towards human development, it remains the most utilized instrument for the development
of adults, professionals and Para-professionals alike. Pimentel and Franco (1991)
also outlined the benefits of training as follows:
a) For the individual. Training helps in making better decisions and effective
problem solving and aids in encouraging and achieving self-development, self-
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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confidence and internalizes the motivational variables of recognition,
achievement, growth and trade.
b) For the organization. Training leads to improve delivery of services to its clientele
or beneficiaries or improve profitability which in turn leads to improve morale,
better corporate image, and better relation with institution publics.
c) For the external groups and environment. Training improve all communication,
all around providing needed feed forward of information and feedback of
reactions and criticism.
Fajardo (1999) Stated that the personality and character of man, however can be
developed and improve through his exposure to a more favorable environment, such as
the schools, churches, associations and institutions. There are many people who have not
even acquired high school education. But there are other media of learning which are
appropriate for them, like adult education, seminars and trainings to improve their
attitudes ,values and skills.
In relation to cooperative education Moshiv (1986) stressed the importance of
cooperative member education which is in accordance with the cooperative principles.
She said that education of cooperative members form part of adult learning. This ensures
members participation, increase loyalty and enhance cooperative development.
Garcia (2004) stated that continuous cooperative education is the lifeblood of the
cooperative. The most important element in the cooperative are the persons composing it,
namely the members, who necessarily have to be prepared with the cooperative life. The
persona of members has to be prepared on two fronts: the mind and the will. The mind
has to be trained to apprehend and know the truth as well as acquire technical and skills
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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knowledge. The will has to be formed so that it’s free choices will always be for values,
virtues, and prudent acts, shunning away from evil choices. It cannot be denied that
cooperatives that are successful and have survived through time are ethical and moral
entities. Without education, the members will not know the rationale of principles on
which cooperative operates.
According to Onagan (1977), the cooperative spirit is cultivated only by
membership enlightenment on the nature, aims and the principles of cooperation,
enlightenment which is produce by membership education and training is the true basis of
democracy. Members must posses a full understanding of their business to participate
intelligently in the affairs of their cooperative enterprises. Members must realize that
their full patronage to the business of their cooperatives redounds to their exclusive
benefits and welfare
Definitions of Education and Training:
Dennis (1997) pointed out in his research the following problems encountered by
cooperatives as perceived by officers and members: lack of proper and continuing
education for members in the aspects of how a cooperative really operates and the
benefits gained is the prominent problem in cooperatives.
The Right Education Refers to People Development.
The key concept of education is total development of people. It is not enough that
engineers, Doctors, Economist, etc. are produced, more importantly their skills, attitudes
and values should be favorable to the development of our society and economy. We need
good and responsible citizens who are socially-oriented. We need people whose interests
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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go beyond their personal interest. These are the people who think of and work for the
welfare of their country and fellowmen.
Kinds of Membership
A cooperative may have 2 kinds of membership, to wit: (1) regular members and
(2) Associate members. A regular member is one who is entitled to all the rights and
privileges of membership. An associate member is one who has no right to vote nor to be
voted upon and shall be entitled only to such rights and privileges as the by laws may
provide.
The Normal Bond of Membership
1. Residential- the members are employees of certain with in the coop’s area of
operation.
2. Institutional- the members are employees of a certain company, public or
private.
3. Associational- the members belong to a certain association, organization,
religious or civil groups whether formal or informal.
4. Occupational/Professional- the members belong to a certain profession or
occupation.
Topics Discuss on PMES
Based on the programs for PMES, the topics discussed were; the rights and
privileges and responsibilities of members, savings formation of cooperative members,
programs and services of the cooperative principles, practices and philosophy of
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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cooperative, history of cooperative, benefits accruing to members and lastly the
situational analysis (economic situation of members)
These topics was not only specific to BBCCC but are rather common subjects
cooperatives give to their members to let them realize the important role that the
cooperative play in the development of the society. The cooperative not only teach
members their economic well being but also teach them important social values,
especially cooperation among members or the “bayanihan” spirit.
Application for Membership
According to the policies of BBCCC, a prospective member shall fill up an
application form which will be submitted to the board of directors for approval. An
applicant is deemed to be a member after the approval if his membership by the board.
After payment of the membership fee and an amount equal to the value of at least one
share capital,
- the new member acquired interest in the cooperative.
- he/she shall exercise the rights and privileges of a member of the cooperative.
The by-laws generally require a new member payment for one share capital in order for
him to be able to enjoy the rights and privileges of membership.
Duties of the Education and Membership Committee
Under the direction of the board, the education and membership committee
(edcom) has these important duties:
a. Attracting new members ( the coop only serves people only if they are
members)
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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b. Encouraging savings (savings is hard work; so, people need prodding)
c. Offering loan service (the servings is better and cost less than other lending
agencies’ debt charges, service fees, fines and surcharges).
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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METHODOLOGY
Locale and Time of the Study
The research was conducted in Baguio- Benguet Community credit Cooperative
(BBCCC) office at the cooperative street, corner Assumption road, Baguio City. The
Pre- post questionnaires were floated twice , first was on December 7, 2008 and the
second on January 11, 2009. Since the BBCCC only conducts PMES once a month or
twice depending on the numbers of the applicants for membership. The PMES begins at
eight o’clock in the morning until 5:30 in the afternoon.
Respondents of the Study
The respondents of the study were the prospective members who attended the
PMSE conducted on December 7, 2008 and January 11, 2009. There were 40 respondents
during the December PMES and 42 during the January PMES or a total of 82
respondents.
Research Instrument
The researcher use survey questionnaire for the socio- demographic profile of the
prospective members, attached to it was the Pre- Post test. The test were divided into
three parts. First was about the cooperative. Number one is the essay part were the
respondents are to explain on what they know on what is a cooperative. Questions two to
fifteen are multiple choices where they are to choose on the kinds of cooperative and of
membership. Second part is on the policies and benefits of BBCCC, also multiple choice.
And, third is true or false, also on the policies and benefits of BBCCC. The interview part
was given to the education committee of BBCCC.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Data Gathered
Data gathered were the socio demographic profile of the prospective members ,
the topics that were discussed during the PMES of BBCCC and the degree of
understanding of the prospective members on the cooperative and policies and benefits
they could get as members of BBCCC.
Data Analysis
In this study, the descriptive method of investigation was used in the presentation,
analysis and interpretation of data, both descriptive and inferential statistics were utilized.
Descriptive statistics comprises the methods concerned with collecting, presenting and
describing a set of data so as to yield meaningful information. The pre-post test contains
thirty five number of items and the passing score is sixteen to thirty five while the failing
is fifteen zero.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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REULTS AND DISCUSSON
Socio Demographic Profile of Respondents
Table 1 shows the general profile of the respondents who had attended the pre
membership seminar.
Age. The age bracket of the respondents ranged from 18-72 years old. The
finding shows that 27 or 33% of the respondents belonged to the age bracket of 29 to 35
years old. There were 21 or 25% who belonged to the 36-44 age bracket, 18 or 32% to
the 18-26 age bracket, 10 or 13% to 45-53 age bracket, 4 or 9% to the 54-62 age bracket
and the least which was 2 or 2% to 64-72 age bracket. A requirement for membership to
BBCCC is that an applicant must be of legal age. The finding shows that all the
respondents were of legal age and that they met the age requirement of the cooperative.
Gender. Result shows that out of 82 prospective members who had attended the
seminar, there were 64 or about 78% female and 18 or 22% male. Therefore, there are
more females than males who attended the seminar. And as stated in the requirements for
membership, applicants should be head of the family or the breadwinner. The result
implies that most of such are females. In our new society today, women now can be or
also considered as head of the family unlike the old mentality that only men were the
supposed to be the head of the family
Civil status. Out of 82 respondents, 50 or 61% of them are married, 24 or 29%
are single, 3 or 4% are widowed and 5 or 6% of them have not responded. The result
shows that majority of the respondents were married which may also imply that most of
the those joining the cooperative are married people since they are likely to be the ones
who need financial help.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Number of household. Twenty three or 28% of the respondent had 4-6 number of
households, 15 or 18% had 1-3 household members, and 4 or 5% had 7-9 members.
Forty or 48% did not respond. Although the number of household members is not a
requirement in joining the cooperative, the finding shows that majority of the respondents
have large household members.
Educational attainment. Majority of the respondents (56%) were college
graduates. Then in descending order secondary level or graduate were 13 or 16%, post
graduate were 7 or 9%, vocational graduate were 5 or 6%, and elementary graduate was 1
or 1%. Ten or12% have not responded. The finding showed that majority of the
respondents acquired a higher level of education. However, educational attainment of the
applicants was not relevant since it is not a qualification for membership. Although they
reached the higher level of education they still need to be educated on the cooperative
principles and practices. Continuous education is needed so that they can be more
familiar with how the cooperative operates and also be wiser in decision making
especially in the event of a general assembly.
Source of Income. Majority of the respondents were private employees which is
42 or 51%. Then in descending order, 21 or 26% were into or have their own business, 9
or 10% were government employees, and 2 or 2% were into farming. Eight or 10% of
them had not responded.
This finding shows that the prospective members have visible source of income
which is a requirement for membership into the cooperative.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Table 1. Socio demographic profile of the prospective members of BBCCC
PARTICULAR
FREQUENCY
PERCENTAGE
( F )
( % )
Age Bracket
18-26
18
22
27-35
27
33
36-44
21
26
45-53
10
12
54-62
4
5
63-72
2
2
TOTAL
82
100
Gender
Male
18
22
Female
64
78
TOTAL
82
100
Civil Status
Single
24
27
Married
50
61
Widowed
3
5
No response
5
7
TOTAL
82
100
Number of Households
1-3
15
18
4-6
23
28
7-9
4
5
No response
40
49
TOTAL
82
100
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Table 1. Continued …
PARTICULAR
FREQUENCY
PERCENTAGE
( F )
( % )
Educational Attainment
Elementary
1
1
Secondary
13
16
Vocational
5
6
College
46
56
Post-graduate
7
9
No response
10
12
TOTAL
82
100
Source of Income
Farming
2
2
Small business
21
26
Employment (Gov’t.)
9
11
Employment (Private)
42
51
No response
8
10
TOTAL
82
100
Number of Respondents who Passed the Pre and
Post Test for Part I
The respondents were asked to answer the same questions before and after the
seminar. The first part of the test concerns the definition of cooperative, the types of
cooperative, and the kinds of members of a cooperative. This consisted of fifteen (15)
questions. The second part concerns the specific policies of BBCCC. There were twenty
(20) questions asked. All these topics were discussed during the PMES.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
16
A summary of the result for part one questions is presented in Table 1 and Figure
1. The detailed results was presented in Appendix Table 1. The result shows that 49% of
the respondents knew the definition of a cooperative before they attended the PMES. The
number increased to 57% after the PMES. However, the result does not necessarily show
that more came to know the definition during the seminar. This was because there were
51% who did not answer the question in the pre test but the number of those who did not
answer decreased in the post test. Not answering the question does not necessarily mean
that one does not know the answer. Maybe they were rushing and had no time to answer
the question specially so that they had to write the definition.
Questions number 2 through 15 were multiple choice questions thus majority
answered the questions. Question number s pertains to what type of cooperative
promotes thrift and savings among its members. In the pre test 80% got it right but in the
post test 79% correctly answered. There was a decrease by one respondent but again
there was an increase in the number of no response. The same was true for questions 5,
and 13. There were slight decrease in the number of respondents that got the correct
answer. For questions 3, 8, 9 and 10 there were higher decreases in the number of
respondents who got the correct answer after the seminar. It was also observed that there
was an increase in the number of respondents that got the wrong answers. For questions
number 4,7,11, and 15, there were increases in the number of respondents that got the
correct answer. There was no change in the number of respondents who got the correct
answers for questions 6, 12, and 14.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Table 2. Number of respondents who passed the pre and post test for part one questions.
PRE TEST POST TEST
QUESTIONS
F
%
F
%
1. What is a cooperative
40
49
47
57
2. Cooperative that promotes thrift and savings among its
members.
66
80
65
79
3. It primary purpose is to procure and distribute
commodities to members and non-members
51
62
40
49
4. Undertakes joint production whether agricultural or
industrial.
50
61
51
62
5. Engage in the supply of production inputs to members
and markets their product.
60
73
56
68
6. Engage in medical and dental care, hospitalization,
transportation, insurance, housing, labor, electric light
and power, communication and other services.
60
73
60
73
7. Combines two or more of the business activities of the
different types of cooperatives.
53
65
65
79
8. The members of which are natural persons of legal age.
54
66
48
58.8
9. The members of which are primary cooperatives
49
60
46
56
10. The members of which are secondary coops.
27
33
30
36
11. Is entitled to all the rights and privileges of membership
as stated in the coop code and cooperative by-laws
50
61
63
77
12. The members people within the coop’s area of
operation.
46
56
46
56
13. The members are employees of a certain agency
or company where the cooperative operates.
42
51
41
50
14. The members belong to a certain association, organiza-
tion, religious or civic groups whether formal or informal
44
54
44
54
15. The members belong to a certain profession or
occupation
57
70
60
73
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
18
Figure 1 also shows that 57% of the total respondents were able to answer the
questions in part one during the pre-test while Figure 2 shows that there was a slight
increase in the number of passers (60%) after the seminar. The statistical test presented in
Table 3 show also that there was no significant difference in the number of passers in the
pre-test and the post-test. However, the result may not necessarily mean that the pre-
membership education seminar conducted did not contribute any knowledge to the
respondents. There were other factors that affected the data collection. During the pre-
test, some respondents were in a hurry answering the questions because they were late for
the seminar. Also during the post-test, some respondents were in a hurry to go home
because it was already late afternoon.
Part 1 (Pre-Te st)
No respond
17%
Failed
Passed
26%
57%
Passed
Failed
No respond
Figure 1. Distribution of respondents based on the result of the pre-test for part I
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
19
Part 1 (Post-Te st)
No respond
15%
Failed
Passed
25%
60%
Passed Failed No respond
Figure 2. Distribution of respondent based on the result of the post-test for part I
Table 3. Statistical analysis of the pre and post-test for part one using T-test
PARTICULAR
PRE-TEST
POST-TEST
Mean
47.8
49.4
Sum of squares
2292.4
2203.6
Observations
15.0
15.0
Df
28.0
T calculated
0.345793224
T tabular (α = 0.05, df = 28
2.048407115ns
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
20
Number of Respondents who Passed the Pre and
Post Test for Part II
Part two of the test questions consisted of the policies of BBCCC. The first ten
(10) questions were multiple choice and the other ten questions were true or false. These
policies were discussed during the seminar. The results of the test is summarized in Table
4. The first question pertains to the minimum share capital that a member should
subscribe. During the pre-test 67% of the respondents got the correct answer and during
the post- test 75% got it right. There was a very small increase in the number of passer.
The second question was the time one can avail of loan of up to thrice his/her share
capital. Fifty seven percent had the correct answer during the pre-test and 58% during the
post-test. The third question was on the maximum share holding of one member in the
cooperative. In the pre-test, 36% answered correctly but in the post-test only 6% got it
right. However, most of the respondents did not answer this question in the post-test. It
may mean they did not understand or it was not discussed very well during the seminar.
The fourth question was on the type of loan given by the cooperative for immediate
financial need. There was an increase in the number of passers from 63% in the pre-test
to 78% in the post-test. The fifth question pertains to the rate of surcharge for delinquent
loan. Forty one percent got it correct in the pre-test but only 40% got it correct in the
post-test. Since there were very few who did not answer this question during the post-test,
it may mean that this topic was not emphasized during the seminar. The sixth question
was on the number of co-makers required for a loan. Where 65.5% passed the pre-test
and 83% passed in the post-test. This may mean that many were interest on loan so they
were interested about loan requirements. The same was true for the question regarding
the grocery purchase. Thirty seven percent got the correct answer in the pre-test and the
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
21
number of passers increased to 55% in the post-test. For the amount of death aid, the
same number of respondents got it correct in the pre-test and the post-test (70%). This
shows that majority of the prospective members were aware of the mortuary fund of the
cooperative. For the question on the period of time that a loan is processed until released,
66% and 65% answered correctly in the pre-test and post-test, respectively. The question
regarding the special contingency loan was not known by majority of the respondents.
There were 32% that answered it correctly in the pre-test and only 18% answered
correctly in the post-test. It maybe that some of those who had a correct answer in the
pre-test did not give an answer in the post-test. For the true or false questions, majority of
the respondents got the correct answers in the post-test. Even in the pre-test, most of the
respondents got the correct answers in the different questions. This implies that before the
seminar, many of them were familiar about the operation of BBCCC including the
different services that it offers to the members. This is also presented in Figure 2.
Table 4. Number of respondents who passed the pre and post test for part two questions
QUESTIONS
PRE -TEST
POST -TEST
F
%
F
%
A. Cooperative policies
1. Every member subscribes to __________ shares at
Php. 100.00 share for a total of Php 5,000.00
55
67
62
75
2. Period when in you can avail of up to thrice (3x)
of your share capital/fixed deposits
47
57
48
58
3. No member shall own or hold more than ______
percent of the total paid up share capital of the
cooperative.
30
36
5
6
4. Loan for small and immediate financial need.
52
63
64
78
(Pre-Post) Assessment of the Pre-membership Education Seminar
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22
Table 4. Continued …
QUESTIONS
PRE -TEST
POST -TEST
F
%
F
%
5. If the loan is not paid at maturity date, the rule or
penalty continues to be applied and an additional
______% per month on the remaining balance
shall be collected until fully paid.
34
41
33
40
6. As a general rule, _____ 10-makers with at least
Php 5,000.00 are required for every loan of the
principal debtor.
54
65.5
68
83
7. Grocery purchase service is without interest and is
payable within one month.
30
37
45
55
8. The amount of death aid for legal spouse is
57
70
57
70
9. A period of ______ month is given for the
claiming of loan proceeds from the time of final
approval of the loan.
54
66
53
65
10. Special contingency loan (SCL)
26
32
15
18
B. TRUE OR FALSE
1. Membership is open to any natural person who is
a citizen of the Philippines of legal age with
capacity to contract or is head of the family.
56
58
64
78
2. An applicant who is a member of any other
cooperative with credit (loans and savings) as its
primary purpose can have approval of members.
31
38
38
46.5
3. Non-payment of loan for three consecutive months
or six consecutive semi-monthly payments is still
considered member in bad standing (MBS)
50
61
62
66
4. Members who withdraw are given to privilege or
re-entry. They may re-apply in writing justifying
their reasons for readmission.
55
67
54
66
5. Returning member may not be more than fifty (50)
years old on his/her re-entry.
39
48
50
61
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
23
Table 4. Continued …
QUESTIONS
PRE -TEST
POST -TEST
F
%
F
%
6. All BBCCC members should participate in the
parliamentary affairs of the cooperative like
actively participating in the General Assembly
(GA) deliberation and in other projects or
activities organized by the cooperative.
54
66
64
78
7. For the petty cash loans, the maximum amount is
Php 1,000.oo for old members while it is Php.
800.00 for new members
39
48
42
51
8. Two or more special service loans may be granted
as long as the amounts of these loans are within
the borrower’s capacity to pay.
53
65
60
73
9. Lying or misrepresenting the purpose of the loan
such that the amount was use for a purpose other
than for which it was granted makes the loan due
and demandable.
41
50
55
67
10. The passbook is required for all money
transactions with the cooperative.
55
67
61
74
Figures 3 and 4 present the distribution of the respondents based on the total
scores for Test II covering the policies of BBCCC. In the pre-test 47% had passing
scores and 27% had failing scores while 26% did not answer the questions. This finding
shows that most of the prospective members already knew the policies of BBCCC. They
only attended the seminar because it is a requirement for membership. In the post-test,
there was an increase in the number of respondents who got passing scores to 59%. The
number of respondents who had failing scores were 23%. Eighteen percent did not
answer the questions. The result shows that there was an increase in the number of
respondents who knew the policies of the cooperative they wanted to become members.
The number of respondents who got passing scores in the pre-test and the number of
(Pre-Post) Assessment of the Pre-membership Education Seminar
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24
Part 2 (Pre-Test)
No respond
26%
Passed
47%
Failed
27%
Passed
Failed
No respond
Figure 3. Distribution of respondent based on the result of the pre-test for part II
Part 2 (Post-Test)
No respond
18%
Failed
Passed
23%
59%
Passed
Failed
No respond
Figure 4. Distribution of respondent based on the result of the post-test for part II
respondents who got passing scores in the post-test were subjected to statistical analysis
using T-test. The statistical test revealed that there was no significant difference between
the number of passers in the pre-test and post test (Table 5).
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
25
Table 5. Statistical analysis of the pre and post-test for part II using T-test
PARTICULAR
PRE-TEST
POST-TEST
Mean
42.9
51.05
Sum of squares
4057.8
3652.95
Observations
20.0
20
Df
38.0
T calculated
-1.80926
T tabular (α = 0.05, df = 28
2.024394147ns
Number of Respondents who Passed the Pre and
Post Test
The passing scores considered in the counting of passers was from15 points,
which was 50% of the total score to 30 points, the perfect score. Figure 5 presents that
79% of the respondents who were given the test questions to answer passed during the
pre-test. This shows that majority of those who attended the pre-membership seminar
were already knowledgeable about a cooperative, the principles, practices and philosophy
of a cooperative as well as the policies and practices of BBCCC. The number of
respondents who got a passing score during the post-test increased to 87%. This shows
that there were more respondents who got a passing score after the seminar. This could
imply that some of the respondents may have acquired the knowledge during the seminar.
The finding also shows that majority of the respondents attended the seminar not to learn
about cooperative but rather they attended because they cannot become members with
attending the pre-membership education seminar as indicated by the number of
respondents who answered the assessment questions before the seminar.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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26
PRE-TEST
failed
21%
passed
79%
passed failed
Figure 5. Distribution of respondents based on the overall result of the pre-test
POST-TEST
Passed
87%
Failed
13%
Passed Failed
Figure 6. Distribution of respondents based on the overall result of the post-test
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
27
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary
The purpose of the study is t conduct a (Pre-Post) assessment of the pre-
membership educational membership seminar of Baguio-Benguet Community Credit
Cooperative.
The research was conducted at Cooperative Street, Assumption Road where the
BBCCC is located. The floating of questionnaire was done during the PMES, before and
after the seminar. Hence the interview had been done during the time when the
educational committee was on duty. Total numbers of the respondents were 82
prospective members who attended the pre-membership education seminar last December
7, 2008 and January, 2009. The assessment was administered before the respondents
attended the seminar and after they attended
It was found that the majority of the respondents were at their middle adult age
and majority were married and have four to six household members, most of them were
college graduate and were employed in private or government institutions.
The result of the Pre-Post assessment test on cooperative and policies of BBCCC
showed that there were no significant difference between the number of respondents who
got a passing score during the pre assessment test and the number of respondents who got
a passing score in the post assessment test. This is because during the PMES, the
facilitators and the speakers only emphasized on the general principles and not on the
specific policies and practices of the cooperative under study. Besides, the one day
seminar may not be enough to discuss all the topics covered in the assessment test.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
28
Conclusions
Based on the findings of the study the following conclusions were drawn:
1. Majority of the respondents were at their middle adult age thus, the age
requirement for membership in the cooperative was met.
2. Majority of the respondents were college graduate and were employed either in
the private sector or in the government, thus the requirement that a members must has
have a visible source of income was satisfied.
3. Majority of the respondents knew about a cooperative, types of cooperative, the
types of member of a cooperative, the principles of cooperative and even some specific
policies of BBCCC thus they passed the pre assessment test.
4. Some of the prospective members most likely attended the PMES only for
requirement purposes and not really to know about the cooperative. This was shown by
the number of respondents who did not pass the post assessment test.
Recommendations
1. The facilitators should discuss first on what is the importance of PMES and why it
is part of the requirement for membership so that prospective members would be inspired
to pay attention to the different topics discussed. Since many were not able to get a
correct answer to some questions regarding the specific policies and practices of the
cooperative, maybe this should be emphasized during the seminar.
2. Since this study did not use the same respondents for both the pre and post
assessment, another study following the same methodology could be done and the pre
and post assessment should make use of the same respondents inorder to come up with a
better assessment as to whether the individual understood something from the seminar or
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
29
not. This may not be limited to PMES but to other seminars conducted by the
cooperative. The respondents should be given ample time to answer the questions so that
they would not rush.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
30
LITERATURE CITED
ANDRADA, E.Y. 1996. Perceived effects of training on the performance of cooperatives
in Kibungan, Benguet. BS Thesis. Benguet State University, La Trinidad
Benguet.
ATIN-AN, M. A. 2003. Knowledge and skills acquired through trainings and seminars
applied by managers and officers of primary cooperatives in La Trinidad,
Benguet. BS Thesis. Benguet State University, La Trinidad, Benguet. P. 25.
COBIA, D. 1989. Agricultural cooperative, Prentice hall incorporation P.36. P.349.
DENNIS, R.B., 1997, Organization and management of cooperatives in the municipality
of La Trinidad, Benguet. MS Thesis. Benguet State University, La Trinidad
Benguet.
FAJARDO, F.R. 1999. Agricultural Economics. 4th ed. Rex Book Store. Manila,
Philippines. P.
GARCIA, G. Y. (2004) University of Sto. Thomas UST Publishing House, Espña,
Manila. Pp. 47- 48.
JAYOMA, B.A. What to know about credit cooperative. A manual. Philippines
federation of credit cooperatives, Inc. FFCCI Supply and publication services.
Sta. Mesa, Metro Manila.
LUMBAG, D.D. 2000. Education committees training programs and practice of credit
cooperative in Baguio City. MS Thesis (Unpublished), BSU, La Trinidad,
Benguet P38
MOSHIV, S. 1986. Cooperative education and literacy. LEMS bulletin P. 36.
ONAGAN, L. G. 1977. Cooperative Principles and Practices, Quezon City: Onagan
and Sons Pub. Pp. 75-76.
PIMENTEL, F. and C. FRANCO 1991. Management. Manila: National Bookstore, Inc.
P. 9.
REYNALDO, B.A.2003. Cooperative code of the Philippines
VILLANUEVA, M.V. 1981. Cooperative education and training as a strategy for
community development. Philippine business for social progress. Manila,
Philippines.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
31
APPENDIX A
Communication Letter
BENGUET STATE UNIVERSITY
DEPARTMENT OF AGRIBUSINESS AND AGRICULTURAL ECONOMICS
LA TRINIDAD, BENGUET
The Manager
Baguio-Benguet Community Credit Cooperative
#56 Cooperative Street, Corner Assumption Road
Baguio City
Maam:
Greetings!
In connection with my research entitled. (PRE-POST) ASSESMENT OF THE
COOPERATIVE AND THE POLICIES AND BENEFITS OF BBCCC IN THE PRE-
MEMBERSHIP EDUCATIONAL SEMINAR TO THE PROSPECTIVE MEMBERS OF
BBCCC 2008-2009 of Benguet State University. I have the honor to request permission
to conduct a study and float my questinnare to your prospective members during the
PMES.
Thank you very much for your favorable action regarding this request. It will be
highly appreciated.
Sincerely yours,
Noted:
Ma.Kristina Sophia Evangelista Prof. Luke Cuangey
Researcher Adviser
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32
APPENDIX B
Survey Questionnaire
I. GENERAL INFORMATION:
Name: ______________________________
Age: _________ Gender: _________ Civil Status: _____________
Number of household: ___________
Educational attainment:
_______________________________ Elementary
_______________________________ Secondary
_______________________________ Vocational
_______________________________ College
_______________________________ Post-college
_______________________________ Others (Specify)
Occupation: _______________________
SOURCE OF INCOME:
Farming _________________
Non-Farming _________________
Small Business _________________
Employee
Government _________________
Private _________________
II. ASSESSMENT TEST
1.What is a cooperative?
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33
________________________________________________________________________
________________________________________________________________________
_______________________________________________________________
_______2.Promotes thrift and savings among its members and creates fund in order to
grant loans for productive and provident.
A. Credit cooperative B. Consumers cooperative C. producers cooperative
_______3.The primary purpose is to procure and distribute commodities to members and
non-members.
A. Credit cooperative B. Consumers cooperative C. producers cooperative
_______4.Undertakes joint production whether agricultural or industrial.
A. Credit cooperative B. Consumers cooperative C. producers cooperative
_______5.Engage in the supply of production inputs to members and markets their
products.
A. Marketing cooperative B. Service cooperative C. Multi-purpose
cooperative
_______6.Engage in medical and dental care, hospitalization, transportation, insurance,
housing labor, electric light and power, communication and other services.
A. Marketing cooperative B. Service cooperative C. Multi-purpose
cooperative
_______7.Combines two (2) or more of the business activities of the different types of
Cooperatives.
A. Marketing cooperative B. Service cooperative C. Multi-purpose
cooperative
_______8.The members of which are natural persons of legal age.
A. Primary members B. Secondary members C. Tertiary members
_______9.The members of which are primaries.
A. Primary members B. Secondary members C. Tertiary members
_______10.The members of which are secondaries upward to one or more apex
Organization.
A. Primary members B. Secondary members C. Tertiary members
_______11.Is entitled to all the rights and privileges of membership as stated in the
Cooperative code and coop’s bylaws.
A. Regular member B. Associate member C. Primary member
_______12.The members are employees of a certain within the coop’s area of operation.
A. Residential member B. Institutional member C. Associational member
_______13.The members are employees of a certain company, public or private.
A. Residential member B. Institutional member C. Associational member
_______14.The members belong to a certain association, organization, religious or civil
Groups whether formal or informal.
A. Residential member B. Institutional member C. Associational member
_______15. The members belong to a certain profession or occupation.
A. Residential member B. Institutional member
C. Occupational/Professional members
II. A. COOPERATIVE POLICIES. Circle the letter that corresponds to your answer.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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34
_______1.Every member subscribes to _________ shares at Php 100.00 each share for a
total of Php 5,000.00.
A. Fifty (50) B. Thirty (30) C. Twenty (20)
_______2.Period where in you can avail of up to thrice (3x) of one’s share capital / Fixed
deposits
A. 2nd loan B. 3rd loan C. 4th loan
_______3.No member shall own or hold more than _______ percent of the total paid up
share capital of the cooperative.
A. Twenty (20%) B. Ten (10%) C. Thirty (30%)
_______4.Loan For small and immediate financial need.
A. Petty Cash Loan (PCL) B. Regular Loan(RL) C. Special Service
Loan(SSL)
_______5.If the loan is not paid at maturity date, the rule on penalty continues to be
applied and an additional _____% per month on the remaining
balance shall be collected until fully paid.
A. One (1%) B. Two (2%) C. Three (3%)
_______6.As a general rule,_______ co-makers with at least Php 5,000.00 FD are
required for every loan application pledging their own fixed deposit/ share
capital as security for the loan of the principal debtor.
A. Two(2) co-makers B. Three(3) co-makers C. Four(4) co-makers
_______7. Grocery Purchase Service is without interest and is payable within one month
otherwise a penalty of ______% a month is charged for the unpaid amount.
A Two (2%) B. One (1%) C. Three (3%)
_______8. The amount of death aid for legal spouse is
A. Php 5,000.00 B. Php 2,500.00 C. Php 500.00
_______9. A period of _____ month is given for the claiming of loan proceeds from the
time of final approval of the loan.
A. one month B. two months C. Three months
_______10.Special Contingency Loan (SCL)
A. One year B. Six months C. One month
B. TRUE OR FALSE
______ 1. Membership is open to any natural person who is a citizen of the Philippines
of legal age with capacity to contract or is head of the family.
______ 2. An applicant who is a member of any other cooperative with credit (loans and
savings) as its primary purpose can have approval of members.
______ 3. Non- payment of loan for three consecutive months or six consecutive semi-
monthly payments is still considered member in bad standing (MBS).
______4. Members who withdraw are given to privilege of re-entry. They may reapply
in writing justifying their reasons for readmission.
______5. Returning member may not be more than fifty (50) years old on upon re-entry
______6. All BBCCC members should participate in the parliamentary affairs of the
cooperative like actively participating in the general assembly (GA) delibera-
tions and in other projects or activities organized by the cooperative.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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35
______7. For the petty cash loans, the maximum amount is Php 1,000.00 for old
members, while it is Php 800.00 for new members.
______8. Two (2) or more special service loans may be granted as long as the
amounts of these loans are within the borrower’s capacity to pay.
__________9. Lying or misrepresenting the purpose of the loan such that the amount
was use for a purpose other than for which it was granted makes the loan
due and demandable.
_________10. The passbook is required for all money transactions with the cooperative.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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36
APPENDIX C
Policies of BBCCC
I. POLICIES ON MEMBERSHIP
Section 1. Qualification for Membership
Section 2. Admission
Section 3. Approval of Membership
Section 4. Types of Membership
Section 5. Termination of Membership
Section 6. Readmission
Section 7. Rights of a Member
Section 8. Duties of a Member
Section 9. Inactive or Dormant Status
Section 10. Members working outside of BBCCC Area of Operation
I.
POLICIES ON CAPITAL BUILD-UP
Section 1. Nature of the Capital Build Up (CBU)
Section 2. Other Forms of capital buildup may be undertaken from time to time as a
Board of Directors deem necessary
II.
POLICIES ON BBCCC SERVICES
III.
POLICIES ON LOANS
Section 1. Types of Loans
Section 2. Who May Avail Of Loans
Section 3. When Loans May Be Avail Of:
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Section 4. Loanable Amount
Section 5. Loan Repayment Terms
Section 6. Reloans/ Restructuring of Loans
Section 7. Loan Repayments and Penalties
Section 8. Order of Application of Payments
Section 9. Loan Repayments in Case of Death of a Member\\
IV.
POLICIES ON LOAN REQUIREMENTS AND PROCEDURES
Section 1. The General Requirements or Criteria for availment of Loans in the
BBCCC
Section 2. Members loan Ability or capability
Section 3. General procedure for Member-Borrower for Processing Loans
Section 4. Petty Cash Loan
Section 5. Regular Loan
V.
POLICIES ON CHARGE AND INTEREST
Section 1. Petty Cash Loan (PCL)
Section 2. Regular Loan (RL)
Section 3. Special Service Loan (SSL)
VI.
POLICIES ON THE DEATH AID AND SARANAY PROGRAM
Section 1. Types and Affirmation
Section 2. Contribution and Fee
Section 3. Unique Features of BBCCC’s Death Aid and Saranay Programs
Section 4. Requirement and Procedure in Claiming the Death Aid and the Saranay
Section 5. The Mortuary or Memorial assistance
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VII. CONCOMITANT GENERAL POLICIES
Section 1. Falsehood/ Misrepresentation
Section 2. Review of Approved Loan
Section 3. Period to Claim Proceeds of Approved Loan
Section 4. Presentation of BBCCC Passbook and ID for Transactions
Section 5. In the event of conflict or problem in the Interpretation of any one of the
Foregoing BBCCC policies, the Board of Directors shall have the power to
Decide with finality on the matter.
Nota Bene: The effective date of these amended BBCCC policies is August 1, 2006
(As per BOD meeting on July 28, 2006).
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
39
APPENDIX D
Appendix Tables
Appendix Table 1. Result of pre and post assessment test administered to the respondents
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
TEST I: COOPERATIVE
1. What is a cooperative
40
49
47
57
No respond
42
51
35
43
2. Promotes thrift and savings among its members
and create fund in order to grant loans for
productive and provident.
A. Credit cooperatives
66
80
65
79
B. Consumers cooperative
3
4
6
7
C. Producers cooperative
9
5
2
3
No Respond
4
11
9
11
3. The primary purpose is to procure and distribute
commodities to members and non-members.
A. Credit cooperative
10
12
15
18
B. Consumers cooperative
51
62
40
49
C. Producers cooperative
13
16
18
22
No respond
8
10
9
11
4. Undertakes joint production whether agricultural
or industrial.
A. Credit cooperative
9
11
13
16
B. Consumers cooperative
11
13
12
15
C. Producers cooperative
50
61
51
62
No Respond
12
15
6
7
5. Engage in the supply of production inputs to
members and markets their product.
A. Marketing cooperative
60
73
56
68
B. Service cooperative
2
2.5
5
6
C. Multi-purpose cooperative
14
17
8
10
No Respond
6
7.5
13
16
6. Engage in medical and dental care, hospitalization,
transportation, insurance, housing, labor, electric
light and power, communication and other
services.
A. Marketing cooperative
6
7.5
4
5
B. Service cooperative
60
73
60
73
C. Multi-purpose cooperative
10
12
10
12
No Respond
3
7.5
8
10
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
40
Appendix Table 1. Continued …
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
7. Combines two (2) or more of the business
activities of the different types of cooperatives.
A. Marketing cooperative
11
13
5
6
B. Service cooperative
5
6
4
5
C. Multi-purpose cooperative
53
65
65
79
No Respond
13
16
8
10
8. The members of which are natural persons of legal
age.
A. Primary members
54
66
48
58.8
B. Secondary members
5
6
6
7
C. Tertiary members
10
12
17
21
No Respond
13
16
11
13.5
9. The members of which are primaries
A. Primary members
49
60
46
56
B. Secondary members
17
20
24
29
C. Tertiary members
3
4
2
2.5
No Respond
13
16
10
12.5
10. The member of which are secondaries upward to
one or more apex organization.
A. Primary members
2
2
9
11
B. Secondary members
41
50
34
5
C. Tertiary members
27
33
30
36
No Respond
12
15
39
48
11. Is entitled to all the rights and privileges of
membership as stated in the cooperative code and
coop’s by-laws.
A. Regular member
50
61
63
77
B. Associate member
8
10
4
5
C. Primary member
11
13
17
8
No Respond
13
16
8
10
12. The members are employees of a certain within
the coop’s area of operation.
A. Residential member
46
56
46
56
B. Institutional member
14
17
16
20
C. Associational member
12
15
10
12
No Respond
10
12
10
12
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
41
Appendix Table 1. Continued …
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
13. The members are employees of a certain
company, public or private.
A. Residential member
4
5
11
13
B. Institutional member
42
51
41
50
C. Associational member
24
29
23
28
No Respond
12
15
7
9
14. The members belong to a certain association,
organization, religious or civil groups whether
formal or informal.
A. Residential member
11
13
15
18
B. Institutional member
14
17
17
21
C. Associational member
44
54
44
54
No Respond
13
16
6
7
15. The members belong to a certain profession or
occupation
A. Residential member
2
2
5
6
B. Institutional member
3
4
3
4
C. Occupational member/Professional member
57
70
60
73
No Respond
20
24
14
17
Appendix Table 2. Result of part II assessment test administered to the respondents
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
TEST II
A. Cooperative policies
1. Every member subscribes to __________ shares at
Php. 100.00 share for a total of Php 5,000.00
A. Fifty (50)
55
67
62
75
B. Thirty (30)
3
4
4
5
C. Twenty
6
7
4
5
No Respond
18
22
12
15
2. Period where in you can avail of up to thrice (3x)
of one’s share capital/fixed deposits
A. 2nd loan
17
21
12
15
B. 3rd loan
10
12
8
10
C. 4th loan
8
10
14
17
No Respond
47
57
48
58
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
42
Appendix Table 2. Continued…
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
3. No member shall own or hold more than ______
percent of the total paid up share capital of the
cooperative.
A. Twenty (20%)
21
26
34
41
B. Ten (10%)
14
17
8
10
C. Thirty (30%)
30
36
5
6
No Respond
17
21
35
43
4. Loan for small and immediate financial need.
A. Petty Cash Loan (PCL)
52
63
64
78
B. Regular Loan (RL)
9
11
2
2
C. Special Service Loan (SSL)
5
6
7
9
No Respond
16
20
9
11
5. If the loan is not paid at maturity date, the rule or
penalty continues to be applied and an additional
______% per month on the remaining balance
shall be collected until fully paid.
A. One (1%)
34
41
33
40
B. Two (2%)
24
29
26
32
C. Three (3%)
8
10
16
19.5
No Respond
16
20
7
8.5
6. As a general rule, _____ 10-makers with at least
Php 5,000.00 are required for every loan of the
principal debtor.
A. Two (2) 10-makers
54
65.5
68
83
B. Three (3) 10-makers
7
8.5
1
1
C. Four (4) 10-makers
4
5
0
0
No Respond
17
21
13
16
7. Grocery purchase service is without interest and is
payable within one month.
A. Two (2%)
30
37
45
55
B. One (1%)
23
28
26
32
C. Three (3%)
10
12
0
0
No Respond
19
23
11
13
8. The amount of death aid for legal spouse is
A. Php 5,000.00
57
70
57
70
B. Php 2,500.00
6
7
13
16
C. 500.00
1
1
1
1
No Respond
18
22
11
13
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
43
Appendix Table 2. Continued…
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
9. A period of ______ month is given for the
claiming of loan proceeds from the time of final
approval of the loan.
A. One month
54
66
53
65
B. Two months
4
5
0
0
C. Three months
5
6
16
19
No Respond
19
23
13
16
10. Special contingency loan (SCL)
A. One year
20
24
41
50
B. Six months
26
32
15
18
C. One month
17
21
16
20
No Respond
19
23
10
12
B. TRUE OR FALSE
1. Membership is open to any natural person who is
a citizen of the Philippines of legal age with
capacity to contract or is head of the family.
A. True
56
58
64
78
B. False
4
5
4
5
No Respond
22
27
14
17
2. An applicant who is a member of any other
cooperative with credit (loans and savings) as its
primary purpose can have approval of members.
A. True
23
28
27
29
B. False
31
38
38
46.5
No Respond
28
34
20
24.5
3. Non-payment of loan for three consecutive months
or six consecutive semi-monthly payments is still
considered member in bad standing (MBS)
A. True
50
61
62
66
B. False
10
12
3
11
No Respond
22
27
17
23
4. Members who withdraw are given to privilege or
re-entry. They may re-apply in writing justifying
their reasons for readmission.
A. True
55
67
54
66
B. False
5
6
9
11
No Respond
22
27
19
23
5. Returning member may not be more than fifty (50)
years old on his/her re-entry.
A. True
39
48
50
61
B. False
20
24
15
18
No Respond
23
28
17
21
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
44
Appendix Table 2. Continued…
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
6. All BBCCC members should participate in the
parliamentary affairs of the cooperative like
actively participating in the General Assembly
(GA) deliberation and in other projects or
activities organized by the cooperative.
A. True
54
66
64
78
B. False
2
2
1
1
No Respond
26
32
17
21
7. For the petty cash loans, the maximum amount is
Php 1,000.oo for old members while it is Php.
800.00 for new members
A. True
39
48
42
51
B. Members
19
23
2
2.5
No Respond
24
29
38
46.5
8. Two or more special service loans may be granted
as long as the amounts of these loans are within
the borrower’s capacity to pay.
A. True
53
65
60
73
B. False
6
7
3
4
No Respond
23
28
19
23
9. Lying or misrepresenting the purpose of the loan
such that the amount was use for a purpose other
than for which it was granted makes the loan due
and demandable.
A. True
41
50
55
67
B. False
15
18
9
11
No Respond
26
32
18
22
10. The passbook is required for all money
transactions with the cooperative.
A. True
55
67
61
74
B. False
4
5
3
4
No Respond
23
28
18
22
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
EVANGELISTA, MA. KRISTINA SOPHIA C. OCTOBER, 2009. (Pre-Post)
Assessment of the Pre-membership Education Seminar of Baguio-Benguet Community
Credit Cooperative. Benguet State University, La Trinidad, Benguet.
Adviser: Luke E. Cuanguey, BS.
ABSTRACT
The study intended to know the socio-demographic profile of the prospective
members of BBCCC, to find out the topics that are discussed during the PMES and to
find if the meaning of cooperative and the policies and benefits of being a member of
BBCCC are comprehensively understood by the prospective members during the PMES.
There were eighty two prospective members who served as respondents of the
study. It was found that majority of t respondents were female with the age bracket of
twenty seven to thirty five years old, mostly married with an average of four to six
household members. Almost all of them were college graduates and were employed
either in the government or private institutions.
There were four topics discussed during the PMES. These were briefly explained
by the Board of Directors and the members of the Education Committee of BBCCC.
The result showed that most of the prospective members were already
knowledgeable on the topics discussed during the PMES as indicated by the number of
respondents who got the correct answers in the pre-PMES assessment test. There was a
slight increase in the number of respondents who got the correct answers in the
assessment test after the PMES. The statistical test done showed no significant difference
in the number of respondents who answered the correctly answered the pre-assessment
test and the post-assessment test.
ii
TABLE OF CONTENT
Page
Bibliography . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Abstract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Table of Contents . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iii
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Rationale of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Statement of the problem . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Objectives of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Importance of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Scope and Delimitation of the Study. . . . . . . . . . . . . . . . . . . . . . . . .
3
REVIEW OF LITERATURE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Importance of Recruitment and
Expansion of Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Importance of Education and Training . . . . . . . . . . . . . . . . . . . . . . .
4
Definitions of Education and Training . . . . . . . . . . . . . . . . . . . . . . .
6
Right Education Refers to People
Development . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
Kinds of Membership . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
The Normal Bonds of Membership . . . . . . . . . . . . . . . . . . . . . . . . . .
7
Topics Discussed on PMES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7
Application for Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
Duties of the Education and
Membership Committee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
iii
METHODOLOGY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
9
Locale and Time of the Study. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Respondents of the Study. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Research Instrument . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Data Gathered . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11
Data Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
11
RESULTS AND DISCUSSION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
12
Socio Demographic Profile of the Respondents . . . . . . . . . . . . . . . .
12
Number of Respondents who Passed the Pre and
Post Test for Part I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15
Number of Respondents who Passed the Pre and
Post Test for Part II . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
20
Number of Respondents who Passed the Pre and
Post Test . . . . . . . . .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
25
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
Conclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28
Recommendations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
28
LITERATURE CITED . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
30
APPENDIX
A. Communication Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
31
B. Survey Questionnaire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
32
C. Policies of BBCCC . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
36
D. Appendix Tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
39
iv
1
INTRODUCTION
Rationale of the Study
Baguio-Benguet Community Credit Cooperative (BBCCC) is basically a
Democratic and members owned financial enterprise. It renders services such as savings,
grants loans, builds capabilities, provides consumers education, open revenue
opportunities, spread risk and maximize the purchasing power of member’s loan through
collective tactics and bulk buying of goods and services. Then at the end of the year if
there is a net surplus, BBCCC distributes net savings to members as dividends and
patronage refund.
Before an individual become a member of the cooperative, he/she is required to
attend the Pre-Membership Educational Seminar (PMES). In this seminar the individual
is oriented on the principles, practices and philosophies of the cooperative.
As of May 31, 2008, BBCCC’s Net surplus was P18, 873,381.58 while their total
assets was P935, 751,869.95. Other financial figures reported by their accountant were as
follows: Share Capital, P631,832,839.18; Savings Deposit of member, P 76,368,296.92;
Time Deposits of members, P 51,722,744.49.
There are now 19,497 active numbers of BBCCC 15,965(4,626 males and 11,339
females) are regular members.
The cooperative has been conducting monthly Pre-membership Educational
seminar (PMES) since January to incoming members. Base on the report of the members
of the Education Committee and from the report of Dr. Valdez to the board, there has
been an average of 64 members being approved every month since February 2008. From
the WEYCOM chairman, Director Belle Ronquillo’s report, there has been a monthly
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
2
average of 25 associate members approved by the board since the first quarter. She stated
that “Indeed, with all our difficulties and changes, our cooperative is constantly
growing!”
The main reason why people join a cooperative is for them to finance their needs
such as education, medical and other important needs but some use loan to finance their
business establishments. Since the cooperative is a form of business organization then its
clients, the members should be properly educated the cooperative way so that they would
become responsible members.
The education for cooperative members has no end, but it has a beginning. Before
people join in a cooperative, they must be properly oriented with its policies so that they
would know their duties, rights and responsibilities. To find out if potential members
attend the PMES inorder to improve their knowledge on cooperative before joining is
very important information to the education committee. Thus, this study was conducted.
Statement of the Problem
A pre and post assessment of the PMS conducted by the cooperative to incoming
members would show if the individual’s knowledge about cooperative had improved.
Thus the study tried to find answers to the following questions:
1. What are the socio demographic profiles of the prospective members of
BBCCC?
2. What are the topics discussed during the PMES of BBCCC?
3. Are the prospective members enlightened comprehensively during the PMES
on the meaning of cooperative, the policies of BBCCC and the benefits they get from its
services?
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
3
Objectives of the Study
The objectives of the study were the following:
1. To find out the demographic profiles of the prospective members of BBCCC.
2. To find out the topics that are discussed during the PMES.
3. To find out if the meaning of cooperative, the policies of BBCCC is
enlightened comprehensively to the prospective members during the PMES.
Importance of the Study
The result of this study could help the education committee in introducing
innovations on their training and other educational practices needed for a successful
operation. It would also serve as reference to other researchers who have an interest to
conduct a similar study.
Scope and Delimitation of the Study
Due to time and budget constraints the assessment was only done twice. The first
was conducted to the participants for December, 2008 and the second was to the
participants for January 2009. Only one hundred prospective member were taken as
respondents.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
4
REVIEW OF LITERATURE
Importance of Recruitment and
Expansion of Membership
Recruitment is the selection process one must go through in order to be selected
as a probationary member of a cooperative. Continuous recruitment and expansion of
membership are necessary for the growth of a cooperative. This enables the cooperative
to increase its capital through the share capital contribution and savings of members as
well as expand the number of families who would share in the benefits from the
cooperative.
Importance of Education and Training
The importance of education and training of members is for their enlightenment in
order that they will support and be responsible in their duties and responsibilities. Agustin
(2000) as cited by Atin-an (2003) mentioned that non-attendance to training is one reason
why members are not active and not patronizing the services of the cooperative. This is
because when they do not attend seminars and training they would be ignorant of their
duties and responsibilities in the cooperative as well as their right and privileges and the
benefits they could get by being an active patron.
While training remains only as one of the numerous alternative approaches
towards human development, it remains the most utilized instrument for the development
of adults, professionals and Para-professionals alike. Pimentel and Franco (1991)
also outlined the benefits of training as follows:
a) For the individual. Training helps in making better decisions and effective
problem solving and aids in encouraging and achieving self-development, self-
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
5
confidence and internalizes the motivational variables of recognition,
achievement, growth and trade.
b) For the organization. Training leads to improve delivery of services to its clientele
or beneficiaries or improve profitability which in turn leads to improve morale,
better corporate image, and better relation with institution publics.
c) For the external groups and environment. Training improve all communication,
all around providing needed feed forward of information and feedback of
reactions and criticism.
Fajardo (1999) Stated that the personality and character of man, however can be
developed and improve through his exposure to a more favorable environment, such as
the schools, churches, associations and institutions. There are many people who have not
even acquired high school education. But there are other media of learning which are
appropriate for them, like adult education, seminars and trainings to improve their
attitudes ,values and skills.
In relation to cooperative education Moshiv (1986) stressed the importance of
cooperative member education which is in accordance with the cooperative principles.
She said that education of cooperative members form part of adult learning. This ensures
members participation, increase loyalty and enhance cooperative development.
Garcia (2004) stated that continuous cooperative education is the lifeblood of the
cooperative. The most important element in the cooperative are the persons composing it,
namely the members, who necessarily have to be prepared with the cooperative life. The
persona of members has to be prepared on two fronts: the mind and the will. The mind
has to be trained to apprehend and know the truth as well as acquire technical and skills
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
6
knowledge. The will has to be formed so that it’s free choices will always be for values,
virtues, and prudent acts, shunning away from evil choices. It cannot be denied that
cooperatives that are successful and have survived through time are ethical and moral
entities. Without education, the members will not know the rationale of principles on
which cooperative operates.
According to Onagan (1977), the cooperative spirit is cultivated only by
membership enlightenment on the nature, aims and the principles of cooperation,
enlightenment which is produce by membership education and training is the true basis of
democracy. Members must posses a full understanding of their business to participate
intelligently in the affairs of their cooperative enterprises. Members must realize that
their full patronage to the business of their cooperatives redounds to their exclusive
benefits and welfare
Definitions of Education and Training:
Dennis (1997) pointed out in his research the following problems encountered by
cooperatives as perceived by officers and members: lack of proper and continuing
education for members in the aspects of how a cooperative really operates and the
benefits gained is the prominent problem in cooperatives.
The Right Education Refers to People Development.
The key concept of education is total development of people. It is not enough that
engineers, Doctors, Economist, etc. are produced, more importantly their skills, attitudes
and values should be favorable to the development of our society and economy. We need
good and responsible citizens who are socially-oriented. We need people whose interests
(Pre-Post) Assessment of the Pre-membership Education Seminar
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7
go beyond their personal interest. These are the people who think of and work for the
welfare of their country and fellowmen.
Kinds of Membership
A cooperative may have 2 kinds of membership, to wit: (1) regular members and
(2) Associate members. A regular member is one who is entitled to all the rights and
privileges of membership. An associate member is one who has no right to vote nor to be
voted upon and shall be entitled only to such rights and privileges as the by laws may
provide.
The Normal Bond of Membership
1. Residential- the members are employees of certain with in the coop’s area of
operation.
2. Institutional- the members are employees of a certain company, public or
private.
3. Associational- the members belong to a certain association, organization,
religious or civil groups whether formal or informal.
4. Occupational/Professional- the members belong to a certain profession or
occupation.
Topics Discuss on PMES
Based on the programs for PMES, the topics discussed were; the rights and
privileges and responsibilities of members, savings formation of cooperative members,
programs and services of the cooperative principles, practices and philosophy of
(Pre-Post) Assessment of the Pre-membership Education Seminar
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8
cooperative, history of cooperative, benefits accruing to members and lastly the
situational analysis (economic situation of members)
These topics was not only specific to BBCCC but are rather common subjects
cooperatives give to their members to let them realize the important role that the
cooperative play in the development of the society. The cooperative not only teach
members their economic well being but also teach them important social values,
especially cooperation among members or the “bayanihan” spirit.
Application for Membership
According to the policies of BBCCC, a prospective member shall fill up an
application form which will be submitted to the board of directors for approval. An
applicant is deemed to be a member after the approval if his membership by the board.
After payment of the membership fee and an amount equal to the value of at least one
share capital,
- the new member acquired interest in the cooperative.
- he/she shall exercise the rights and privileges of a member of the cooperative.
The by-laws generally require a new member payment for one share capital in order for
him to be able to enjoy the rights and privileges of membership.
Duties of the Education and Membership Committee
Under the direction of the board, the education and membership committee
(edcom) has these important duties:
a. Attracting new members ( the coop only serves people only if they are
members)
(Pre-Post) Assessment of the Pre-membership Education Seminar
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b. Encouraging savings (savings is hard work; so, people need prodding)
c. Offering loan service (the servings is better and cost less than other lending
agencies’ debt charges, service fees, fines and surcharges).
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METHODOLOGY
Locale and Time of the Study
The research was conducted in Baguio- Benguet Community credit Cooperative
(BBCCC) office at the cooperative street, corner Assumption road, Baguio City. The
Pre- post questionnaires were floated twice , first was on December 7, 2008 and the
second on January 11, 2009. Since the BBCCC only conducts PMES once a month or
twice depending on the numbers of the applicants for membership. The PMES begins at
eight o’clock in the morning until 5:30 in the afternoon.
Respondents of the Study
The respondents of the study were the prospective members who attended the
PMSE conducted on December 7, 2008 and January 11, 2009. There were 40 respondents
during the December PMES and 42 during the January PMES or a total of 82
respondents.
Research Instrument
The researcher use survey questionnaire for the socio- demographic profile of the
prospective members, attached to it was the Pre- Post test. The test were divided into
three parts. First was about the cooperative. Number one is the essay part were the
respondents are to explain on what they know on what is a cooperative. Questions two to
fifteen are multiple choices where they are to choose on the kinds of cooperative and of
membership. Second part is on the policies and benefits of BBCCC, also multiple choice.
And, third is true or false, also on the policies and benefits of BBCCC. The interview part
was given to the education committee of BBCCC.
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Data Gathered
Data gathered were the socio demographic profile of the prospective members ,
the topics that were discussed during the PMES of BBCCC and the degree of
understanding of the prospective members on the cooperative and policies and benefits
they could get as members of BBCCC.
Data Analysis
In this study, the descriptive method of investigation was used in the presentation,
analysis and interpretation of data, both descriptive and inferential statistics were utilized.
Descriptive statistics comprises the methods concerned with collecting, presenting and
describing a set of data so as to yield meaningful information. The pre-post test contains
thirty five number of items and the passing score is sixteen to thirty five while the failing
is fifteen zero.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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REULTS AND DISCUSSON
Socio Demographic Profile of Respondents
Table 1 shows the general profile of the respondents who had attended the pre
membership seminar.
Age. The age bracket of the respondents ranged from 18-72 years old. The
finding shows that 27 or 33% of the respondents belonged to the age bracket of 29 to 35
years old. There were 21 or 25% who belonged to the 36-44 age bracket, 18 or 32% to
the 18-26 age bracket, 10 or 13% to 45-53 age bracket, 4 or 9% to the 54-62 age bracket
and the least which was 2 or 2% to 64-72 age bracket. A requirement for membership to
BBCCC is that an applicant must be of legal age. The finding shows that all the
respondents were of legal age and that they met the age requirement of the cooperative.
Gender. Result shows that out of 82 prospective members who had attended the
seminar, there were 64 or about 78% female and 18 or 22% male. Therefore, there are
more females than males who attended the seminar. And as stated in the requirements for
membership, applicants should be head of the family or the breadwinner. The result
implies that most of such are females. In our new society today, women now can be or
also considered as head of the family unlike the old mentality that only men were the
supposed to be the head of the family
Civil status. Out of 82 respondents, 50 or 61% of them are married, 24 or 29%
are single, 3 or 4% are widowed and 5 or 6% of them have not responded. The result
shows that majority of the respondents were married which may also imply that most of
the those joining the cooperative are married people since they are likely to be the ones
who need financial help.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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Number of household. Twenty three or 28% of the respondent had 4-6 number of
households, 15 or 18% had 1-3 household members, and 4 or 5% had 7-9 members.
Forty or 48% did not respond. Although the number of household members is not a
requirement in joining the cooperative, the finding shows that majority of the respondents
have large household members.
Educational attainment. Majority of the respondents (56%) were college
graduates. Then in descending order secondary level or graduate were 13 or 16%, post
graduate were 7 or 9%, vocational graduate were 5 or 6%, and elementary graduate was 1
or 1%. Ten or12% have not responded. The finding showed that majority of the
respondents acquired a higher level of education. However, educational attainment of the
applicants was not relevant since it is not a qualification for membership. Although they
reached the higher level of education they still need to be educated on the cooperative
principles and practices. Continuous education is needed so that they can be more
familiar with how the cooperative operates and also be wiser in decision making
especially in the event of a general assembly.
Source of Income. Majority of the respondents were private employees which is
42 or 51%. Then in descending order, 21 or 26% were into or have their own business, 9
or 10% were government employees, and 2 or 2% were into farming. Eight or 10% of
them had not responded.
This finding shows that the prospective members have visible source of income
which is a requirement for membership into the cooperative.
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Table 1. Socio demographic profile of the prospective members of BBCCC
PARTICULAR
FREQUENCY
PERCENTAGE
( F )
( % )
Age Bracket
18-26
18
22
27-35
27
33
36-44
21
26
45-53
10
12
54-62
4
5
63-72
2
2
TOTAL
82
100
Gender
Male
18
22
Female
64
78
TOTAL
82
100
Civil Status
Single
24
27
Married
50
61
Widowed
3
5
No response
5
7
TOTAL
82
100
Number of Households
1-3
15
18
4-6
23
28
7-9
4
5
No response
40
49
TOTAL
82
100
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
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Table 1. Continued …
PARTICULAR
FREQUENCY
PERCENTAGE
( F )
( % )
Educational Attainment
Elementary
1
1
Secondary
13
16
Vocational
5
6
College
46
56
Post-graduate
7
9
No response
10
12
TOTAL
82
100
Source of Income
Farming
2
2
Small business
21
26
Employment (Gov’t.)
9
11
Employment (Private)
42
51
No response
8
10
TOTAL
82
100
Number of Respondents who Passed the Pre and
Post Test for Part I
The respondents were asked to answer the same questions before and after the
seminar. The first part of the test concerns the definition of cooperative, the types of
cooperative, and the kinds of members of a cooperative. This consisted of fifteen (15)
questions. The second part concerns the specific policies of BBCCC. There were twenty
(20) questions asked. All these topics were discussed during the PMES.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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A summary of the result for part one questions is presented in Table 1 and Figure
1. The detailed results was presented in Appendix Table 1. The result shows that 49% of
the respondents knew the definition of a cooperative before they attended the PMES. The
number increased to 57% after the PMES. However, the result does not necessarily show
that more came to know the definition during the seminar. This was because there were
51% who did not answer the question in the pre test but the number of those who did not
answer decreased in the post test. Not answering the question does not necessarily mean
that one does not know the answer. Maybe they were rushing and had no time to answer
the question specially so that they had to write the definition.
Questions number 2 through 15 were multiple choice questions thus majority
answered the questions. Question number s pertains to what type of cooperative
promotes thrift and savings among its members. In the pre test 80% got it right but in the
post test 79% correctly answered. There was a decrease by one respondent but again
there was an increase in the number of no response. The same was true for questions 5,
and 13. There were slight decrease in the number of respondents that got the correct
answer. For questions 3, 8, 9 and 10 there were higher decreases in the number of
respondents who got the correct answer after the seminar. It was also observed that there
was an increase in the number of respondents that got the wrong answers. For questions
number 4,7,11, and 15, there were increases in the number of respondents that got the
correct answer. There was no change in the number of respondents who got the correct
answers for questions 6, 12, and 14.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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Table 2. Number of respondents who passed the pre and post test for part one questions.
PRE TEST POST TEST
QUESTIONS
F
%
F
%
1. What is a cooperative
40
49
47
57
2. Cooperative that promotes thrift and savings among its
members.
66
80
65
79
3. It primary purpose is to procure and distribute
commodities to members and non-members
51
62
40
49
4. Undertakes joint production whether agricultural or
industrial.
50
61
51
62
5. Engage in the supply of production inputs to members
and markets their product.
60
73
56
68
6. Engage in medical and dental care, hospitalization,
transportation, insurance, housing, labor, electric light
and power, communication and other services.
60
73
60
73
7. Combines two or more of the business activities of the
different types of cooperatives.
53
65
65
79
8. The members of which are natural persons of legal age.
54
66
48
58.8
9. The members of which are primary cooperatives
49
60
46
56
10. The members of which are secondary coops.
27
33
30
36
11. Is entitled to all the rights and privileges of membership
as stated in the coop code and cooperative by-laws
50
61
63
77
12. The members people within the coop’s area of
operation.
46
56
46
56
13. The members are employees of a certain agency
or company where the cooperative operates.
42
51
41
50
14. The members belong to a certain association, organiza-
tion, religious or civic groups whether formal or informal
44
54
44
54
15. The members belong to a certain profession or
occupation
57
70
60
73
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Figure 1 also shows that 57% of the total respondents were able to answer the
questions in part one during the pre-test while Figure 2 shows that there was a slight
increase in the number of passers (60%) after the seminar. The statistical test presented in
Table 3 show also that there was no significant difference in the number of passers in the
pre-test and the post-test. However, the result may not necessarily mean that the pre-
membership education seminar conducted did not contribute any knowledge to the
respondents. There were other factors that affected the data collection. During the pre-
test, some respondents were in a hurry answering the questions because they were late for
the seminar. Also during the post-test, some respondents were in a hurry to go home
because it was already late afternoon.
Part 1 (Pre-Te st)
No respond
17%
Failed
Passed
26%
57%
Passed
Failed
No respond
Figure 1. Distribution of respondents based on the result of the pre-test for part I
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
19
Part 1 (Post-Te st)
No respond
15%
Failed
Passed
25%
60%
Passed Failed No respond
Figure 2. Distribution of respondent based on the result of the post-test for part I
Table 3. Statistical analysis of the pre and post-test for part one using T-test
PARTICULAR
PRE-TEST
POST-TEST
Mean
47.8
49.4
Sum of squares
2292.4
2203.6
Observations
15.0
15.0
Df
28.0
T calculated
0.345793224
T tabular (α = 0.05, df = 28
2.048407115ns
(Pre-Post) Assessment of the Pre-membership Education Seminar
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Number of Respondents who Passed the Pre and
Post Test for Part II
Part two of the test questions consisted of the policies of BBCCC. The first ten
(10) questions were multiple choice and the other ten questions were true or false. These
policies were discussed during the seminar. The results of the test is summarized in Table
4. The first question pertains to the minimum share capital that a member should
subscribe. During the pre-test 67% of the respondents got the correct answer and during
the post- test 75% got it right. There was a very small increase in the number of passer.
The second question was the time one can avail of loan of up to thrice his/her share
capital. Fifty seven percent had the correct answer during the pre-test and 58% during the
post-test. The third question was on the maximum share holding of one member in the
cooperative. In the pre-test, 36% answered correctly but in the post-test only 6% got it
right. However, most of the respondents did not answer this question in the post-test. It
may mean they did not understand or it was not discussed very well during the seminar.
The fourth question was on the type of loan given by the cooperative for immediate
financial need. There was an increase in the number of passers from 63% in the pre-test
to 78% in the post-test. The fifth question pertains to the rate of surcharge for delinquent
loan. Forty one percent got it correct in the pre-test but only 40% got it correct in the
post-test. Since there were very few who did not answer this question during the post-test,
it may mean that this topic was not emphasized during the seminar. The sixth question
was on the number of co-makers required for a loan. Where 65.5% passed the pre-test
and 83% passed in the post-test. This may mean that many were interest on loan so they
were interested about loan requirements. The same was true for the question regarding
the grocery purchase. Thirty seven percent got the correct answer in the pre-test and the
(Pre-Post) Assessment of the Pre-membership Education Seminar
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21
number of passers increased to 55% in the post-test. For the amount of death aid, the
same number of respondents got it correct in the pre-test and the post-test (70%). This
shows that majority of the prospective members were aware of the mortuary fund of the
cooperative. For the question on the period of time that a loan is processed until released,
66% and 65% answered correctly in the pre-test and post-test, respectively. The question
regarding the special contingency loan was not known by majority of the respondents.
There were 32% that answered it correctly in the pre-test and only 18% answered
correctly in the post-test. It maybe that some of those who had a correct answer in the
pre-test did not give an answer in the post-test. For the true or false questions, majority of
the respondents got the correct answers in the post-test. Even in the pre-test, most of the
respondents got the correct answers in the different questions. This implies that before the
seminar, many of them were familiar about the operation of BBCCC including the
different services that it offers to the members. This is also presented in Figure 2.
Table 4. Number of respondents who passed the pre and post test for part two questions
QUESTIONS
PRE -TEST
POST -TEST
F
%
F
%
A. Cooperative policies
1. Every member subscribes to __________ shares at
Php. 100.00 share for a total of Php 5,000.00
55
67
62
75
2. Period when in you can avail of up to thrice (3x)
of your share capital/fixed deposits
47
57
48
58
3. No member shall own or hold more than ______
percent of the total paid up share capital of the
cooperative.
30
36
5
6
4. Loan for small and immediate financial need.
52
63
64
78
(Pre-Post) Assessment of the Pre-membership Education Seminar
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Table 4. Continued …
QUESTIONS
PRE -TEST
POST -TEST
F
%
F
%
5. If the loan is not paid at maturity date, the rule or
penalty continues to be applied and an additional
______% per month on the remaining balance
shall be collected until fully paid.
34
41
33
40
6. As a general rule, _____ 10-makers with at least
Php 5,000.00 are required for every loan of the
principal debtor.
54
65.5
68
83
7. Grocery purchase service is without interest and is
payable within one month.
30
37
45
55
8. The amount of death aid for legal spouse is
57
70
57
70
9. A period of ______ month is given for the
claiming of loan proceeds from the time of final
approval of the loan.
54
66
53
65
10. Special contingency loan (SCL)
26
32
15
18
B. TRUE OR FALSE
1. Membership is open to any natural person who is
a citizen of the Philippines of legal age with
capacity to contract or is head of the family.
56
58
64
78
2. An applicant who is a member of any other
cooperative with credit (loans and savings) as its
primary purpose can have approval of members.
31
38
38
46.5
3. Non-payment of loan for three consecutive months
or six consecutive semi-monthly payments is still
considered member in bad standing (MBS)
50
61
62
66
4. Members who withdraw are given to privilege or
re-entry. They may re-apply in writing justifying
their reasons for readmission.
55
67
54
66
5. Returning member may not be more than fifty (50)
years old on his/her re-entry.
39
48
50
61
(Pre-Post) Assessment of the Pre-membership Education Seminar
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Table 4. Continued …
QUESTIONS
PRE -TEST
POST -TEST
F
%
F
%
6. All BBCCC members should participate in the
parliamentary affairs of the cooperative like
actively participating in the General Assembly
(GA) deliberation and in other projects or
activities organized by the cooperative.
54
66
64
78
7. For the petty cash loans, the maximum amount is
Php 1,000.oo for old members while it is Php.
800.00 for new members
39
48
42
51
8. Two or more special service loans may be granted
as long as the amounts of these loans are within
the borrower’s capacity to pay.
53
65
60
73
9. Lying or misrepresenting the purpose of the loan
such that the amount was use for a purpose other
than for which it was granted makes the loan due
and demandable.
41
50
55
67
10. The passbook is required for all money
transactions with the cooperative.
55
67
61
74
Figures 3 and 4 present the distribution of the respondents based on the total
scores for Test II covering the policies of BBCCC. In the pre-test 47% had passing
scores and 27% had failing scores while 26% did not answer the questions. This finding
shows that most of the prospective members already knew the policies of BBCCC. They
only attended the seminar because it is a requirement for membership. In the post-test,
there was an increase in the number of respondents who got passing scores to 59%. The
number of respondents who had failing scores were 23%. Eighteen percent did not
answer the questions. The result shows that there was an increase in the number of
respondents who knew the policies of the cooperative they wanted to become members.
The number of respondents who got passing scores in the pre-test and the number of
(Pre-Post) Assessment of the Pre-membership Education Seminar
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Part 2 (Pre-Test)
No respond
26%
Passed
47%
Failed
27%
Passed
Failed
No respond
Figure 3. Distribution of respondent based on the result of the pre-test for part II
Part 2 (Post-Test)
No respond
18%
Failed
Passed
23%
59%
Passed
Failed
No respond
Figure 4. Distribution of respondent based on the result of the post-test for part II
respondents who got passing scores in the post-test were subjected to statistical analysis
using T-test. The statistical test revealed that there was no significant difference between
the number of passers in the pre-test and post test (Table 5).
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Table 5. Statistical analysis of the pre and post-test for part II using T-test
PARTICULAR
PRE-TEST
POST-TEST
Mean
42.9
51.05
Sum of squares
4057.8
3652.95
Observations
20.0
20
Df
38.0
T calculated
-1.80926
T tabular (α = 0.05, df = 28
2.024394147ns
Number of Respondents who Passed the Pre and
Post Test
The passing scores considered in the counting of passers was from15 points,
which was 50% of the total score to 30 points, the perfect score. Figure 5 presents that
79% of the respondents who were given the test questions to answer passed during the
pre-test. This shows that majority of those who attended the pre-membership seminar
were already knowledgeable about a cooperative, the principles, practices and philosophy
of a cooperative as well as the policies and practices of BBCCC. The number of
respondents who got a passing score during the post-test increased to 87%. This shows
that there were more respondents who got a passing score after the seminar. This could
imply that some of the respondents may have acquired the knowledge during the seminar.
The finding also shows that majority of the respondents attended the seminar not to learn
about cooperative but rather they attended because they cannot become members with
attending the pre-membership education seminar as indicated by the number of
respondents who answered the assessment questions before the seminar.
(Pre-Post) Assessment of the Pre-membership Education Seminar
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PRE-TEST
failed
21%
passed
79%
passed failed
Figure 5. Distribution of respondents based on the overall result of the pre-test
POST-TEST
Passed
87%
Failed
13%
Passed Failed
Figure 6. Distribution of respondents based on the overall result of the post-test
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
27
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary
The purpose of the study is t conduct a (Pre-Post) assessment of the pre-
membership educational membership seminar of Baguio-Benguet Community Credit
Cooperative.
The research was conducted at Cooperative Street, Assumption Road where the
BBCCC is located. The floating of questionnaire was done during the PMES, before and
after the seminar. Hence the interview had been done during the time when the
educational committee was on duty. Total numbers of the respondents were 82
prospective members who attended the pre-membership education seminar last December
7, 2008 and January, 2009. The assessment was administered before the respondents
attended the seminar and after they attended
It was found that the majority of the respondents were at their middle adult age
and majority were married and have four to six household members, most of them were
college graduate and were employed in private or government institutions.
The result of the Pre-Post assessment test on cooperative and policies of BBCCC
showed that there were no significant difference between the number of respondents who
got a passing score during the pre assessment test and the number of respondents who got
a passing score in the post assessment test. This is because during the PMES, the
facilitators and the speakers only emphasized on the general principles and not on the
specific policies and practices of the cooperative under study. Besides, the one day
seminar may not be enough to discuss all the topics covered in the assessment test.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
28
Conclusions
Based on the findings of the study the following conclusions were drawn:
1. Majority of the respondents were at their middle adult age thus, the age
requirement for membership in the cooperative was met.
2. Majority of the respondents were college graduate and were employed either in
the private sector or in the government, thus the requirement that a members must has
have a visible source of income was satisfied.
3. Majority of the respondents knew about a cooperative, types of cooperative, the
types of member of a cooperative, the principles of cooperative and even some specific
policies of BBCCC thus they passed the pre assessment test.
4. Some of the prospective members most likely attended the PMES only for
requirement purposes and not really to know about the cooperative. This was shown by
the number of respondents who did not pass the post assessment test.
Recommendations
1. The facilitators should discuss first on what is the importance of PMES and why it
is part of the requirement for membership so that prospective members would be inspired
to pay attention to the different topics discussed. Since many were not able to get a
correct answer to some questions regarding the specific policies and practices of the
cooperative, maybe this should be emphasized during the seminar.
2. Since this study did not use the same respondents for both the pre and post
assessment, another study following the same methodology could be done and the pre
and post assessment should make use of the same respondents inorder to come up with a
better assessment as to whether the individual understood something from the seminar or
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
29
not. This may not be limited to PMES but to other seminars conducted by the
cooperative. The respondents should be given ample time to answer the questions so that
they would not rush.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
30
LITERATURE CITED
ANDRADA, E.Y. 1996. Perceived effects of training on the performance of cooperatives
in Kibungan, Benguet. BS Thesis. Benguet State University, La Trinidad
Benguet.
ATIN-AN, M. A. 2003. Knowledge and skills acquired through trainings and seminars
applied by managers and officers of primary cooperatives in La Trinidad,
Benguet. BS Thesis. Benguet State University, La Trinidad, Benguet. P. 25.
COBIA, D. 1989. Agricultural cooperative, Prentice hall incorporation P.36. P.349.
DENNIS, R.B., 1997, Organization and management of cooperatives in the municipality
of La Trinidad, Benguet. MS Thesis. Benguet State University, La Trinidad
Benguet.
FAJARDO, F.R. 1999. Agricultural Economics. 4th ed. Rex Book Store. Manila,
Philippines. P.
GARCIA, G. Y. (2004) University of Sto. Thomas UST Publishing House, Espña,
Manila. Pp. 47- 48.
JAYOMA, B.A. What to know about credit cooperative. A manual. Philippines
federation of credit cooperatives, Inc. FFCCI Supply and publication services.
Sta. Mesa, Metro Manila.
LUMBAG, D.D. 2000. Education committees training programs and practice of credit
cooperative in Baguio City. MS Thesis (Unpublished), BSU, La Trinidad,
Benguet P38
MOSHIV, S. 1986. Cooperative education and literacy. LEMS bulletin P. 36.
ONAGAN, L. G. 1977. Cooperative Principles and Practices, Quezon City: Onagan
and Sons Pub. Pp. 75-76.
PIMENTEL, F. and C. FRANCO 1991. Management. Manila: National Bookstore, Inc.
P. 9.
REYNALDO, B.A.2003. Cooperative code of the Philippines
VILLANUEVA, M.V. 1981. Cooperative education and training as a strategy for
community development. Philippine business for social progress. Manila,
Philippines.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
31
APPENDIX A
Communication Letter
BENGUET STATE UNIVERSITY
DEPARTMENT OF AGRIBUSINESS AND AGRICULTURAL ECONOMICS
LA TRINIDAD, BENGUET
The Manager
Baguio-Benguet Community Credit Cooperative
#56 Cooperative Street, Corner Assumption Road
Baguio City
Maam:
Greetings!
In connection with my research entitled. (PRE-POST) ASSESMENT OF THE
COOPERATIVE AND THE POLICIES AND BENEFITS OF BBCCC IN THE PRE-
MEMBERSHIP EDUCATIONAL SEMINAR TO THE PROSPECTIVE MEMBERS OF
BBCCC 2008-2009 of Benguet State University. I have the honor to request permission
to conduct a study and float my questinnare to your prospective members during the
PMES.
Thank you very much for your favorable action regarding this request. It will be
highly appreciated.
Sincerely yours,
Noted:
Ma.Kristina Sophia Evangelista Prof. Luke Cuangey
Researcher Adviser
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
32
APPENDIX B
Survey Questionnaire
I. GENERAL INFORMATION:
Name: ______________________________
Age: _________ Gender: _________ Civil Status: _____________
Number of household: ___________
Educational attainment:
_______________________________ Elementary
_______________________________ Secondary
_______________________________ Vocational
_______________________________ College
_______________________________ Post-college
_______________________________ Others (Specify)
Occupation: _______________________
SOURCE OF INCOME:
Farming _________________
Non-Farming _________________
Small Business _________________
Employee
Government _________________
Private _________________
II. ASSESSMENT TEST
1.What is a cooperative?
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
33
________________________________________________________________________
________________________________________________________________________
_______________________________________________________________
_______2.Promotes thrift and savings among its members and creates fund in order to
grant loans for productive and provident.
A. Credit cooperative B. Consumers cooperative C. producers cooperative
_______3.The primary purpose is to procure and distribute commodities to members and
non-members.
A. Credit cooperative B. Consumers cooperative C. producers cooperative
_______4.Undertakes joint production whether agricultural or industrial.
A. Credit cooperative B. Consumers cooperative C. producers cooperative
_______5.Engage in the supply of production inputs to members and markets their
products.
A. Marketing cooperative B. Service cooperative C. Multi-purpose
cooperative
_______6.Engage in medical and dental care, hospitalization, transportation, insurance,
housing labor, electric light and power, communication and other services.
A. Marketing cooperative B. Service cooperative C. Multi-purpose
cooperative
_______7.Combines two (2) or more of the business activities of the different types of
Cooperatives.
A. Marketing cooperative B. Service cooperative C. Multi-purpose
cooperative
_______8.The members of which are natural persons of legal age.
A. Primary members B. Secondary members C. Tertiary members
_______9.The members of which are primaries.
A. Primary members B. Secondary members C. Tertiary members
_______10.The members of which are secondaries upward to one or more apex
Organization.
A. Primary members B. Secondary members C. Tertiary members
_______11.Is entitled to all the rights and privileges of membership as stated in the
Cooperative code and coop’s bylaws.
A. Regular member B. Associate member C. Primary member
_______12.The members are employees of a certain within the coop’s area of operation.
A. Residential member B. Institutional member C. Associational member
_______13.The members are employees of a certain company, public or private.
A. Residential member B. Institutional member C. Associational member
_______14.The members belong to a certain association, organization, religious or civil
Groups whether formal or informal.
A. Residential member B. Institutional member C. Associational member
_______15. The members belong to a certain profession or occupation.
A. Residential member B. Institutional member
C. Occupational/Professional members
II. A. COOPERATIVE POLICIES. Circle the letter that corresponds to your answer.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
34
_______1.Every member subscribes to _________ shares at Php 100.00 each share for a
total of Php 5,000.00.
A. Fifty (50) B. Thirty (30) C. Twenty (20)
_______2.Period where in you can avail of up to thrice (3x) of one’s share capital / Fixed
deposits
A. 2nd loan B. 3rd loan C. 4th loan
_______3.No member shall own or hold more than _______ percent of the total paid up
share capital of the cooperative.
A. Twenty (20%) B. Ten (10%) C. Thirty (30%)
_______4.Loan For small and immediate financial need.
A. Petty Cash Loan (PCL) B. Regular Loan(RL) C. Special Service
Loan(SSL)
_______5.If the loan is not paid at maturity date, the rule on penalty continues to be
applied and an additional _____% per month on the remaining
balance shall be collected until fully paid.
A. One (1%) B. Two (2%) C. Three (3%)
_______6.As a general rule,_______ co-makers with at least Php 5,000.00 FD are
required for every loan application pledging their own fixed deposit/ share
capital as security for the loan of the principal debtor.
A. Two(2) co-makers B. Three(3) co-makers C. Four(4) co-makers
_______7. Grocery Purchase Service is without interest and is payable within one month
otherwise a penalty of ______% a month is charged for the unpaid amount.
A Two (2%) B. One (1%) C. Three (3%)
_______8. The amount of death aid for legal spouse is
A. Php 5,000.00 B. Php 2,500.00 C. Php 500.00
_______9. A period of _____ month is given for the claiming of loan proceeds from the
time of final approval of the loan.
A. one month B. two months C. Three months
_______10.Special Contingency Loan (SCL)
A. One year B. Six months C. One month
B. TRUE OR FALSE
______ 1. Membership is open to any natural person who is a citizen of the Philippines
of legal age with capacity to contract or is head of the family.
______ 2. An applicant who is a member of any other cooperative with credit (loans and
savings) as its primary purpose can have approval of members.
______ 3. Non- payment of loan for three consecutive months or six consecutive semi-
monthly payments is still considered member in bad standing (MBS).
______4. Members who withdraw are given to privilege of re-entry. They may reapply
in writing justifying their reasons for readmission.
______5. Returning member may not be more than fifty (50) years old on upon re-entry
______6. All BBCCC members should participate in the parliamentary affairs of the
cooperative like actively participating in the general assembly (GA) delibera-
tions and in other projects or activities organized by the cooperative.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
35
______7. For the petty cash loans, the maximum amount is Php 1,000.00 for old
members, while it is Php 800.00 for new members.
______8. Two (2) or more special service loans may be granted as long as the
amounts of these loans are within the borrower’s capacity to pay.
__________9. Lying or misrepresenting the purpose of the loan such that the amount
was use for a purpose other than for which it was granted makes the loan
due and demandable.
_________10. The passbook is required for all money transactions with the cooperative.
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
36
APPENDIX C
Policies of BBCCC
I. POLICIES ON MEMBERSHIP
Section 1. Qualification for Membership
Section 2. Admission
Section 3. Approval of Membership
Section 4. Types of Membership
Section 5. Termination of Membership
Section 6. Readmission
Section 7. Rights of a Member
Section 8. Duties of a Member
Section 9. Inactive or Dormant Status
Section 10. Members working outside of BBCCC Area of Operation
I.
POLICIES ON CAPITAL BUILD-UP
Section 1. Nature of the Capital Build Up (CBU)
Section 2. Other Forms of capital buildup may be undertaken from time to time as a
Board of Directors deem necessary
II.
POLICIES ON BBCCC SERVICES
III.
POLICIES ON LOANS
Section 1. Types of Loans
Section 2. Who May Avail Of Loans
Section 3. When Loans May Be Avail Of:
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
37
Section 4. Loanable Amount
Section 5. Loan Repayment Terms
Section 6. Reloans/ Restructuring of Loans
Section 7. Loan Repayments and Penalties
Section 8. Order of Application of Payments
Section 9. Loan Repayments in Case of Death of a Member\\
IV.
POLICIES ON LOAN REQUIREMENTS AND PROCEDURES
Section 1. The General Requirements or Criteria for availment of Loans in the
BBCCC
Section 2. Members loan Ability or capability
Section 3. General procedure for Member-Borrower for Processing Loans
Section 4. Petty Cash Loan
Section 5. Regular Loan
V.
POLICIES ON CHARGE AND INTEREST
Section 1. Petty Cash Loan (PCL)
Section 2. Regular Loan (RL)
Section 3. Special Service Loan (SSL)
VI.
POLICIES ON THE DEATH AID AND SARANAY PROGRAM
Section 1. Types and Affirmation
Section 2. Contribution and Fee
Section 3. Unique Features of BBCCC’s Death Aid and Saranay Programs
Section 4. Requirement and Procedure in Claiming the Death Aid and the Saranay
Section 5. The Mortuary or Memorial assistance
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
38
VII. CONCOMITANT GENERAL POLICIES
Section 1. Falsehood/ Misrepresentation
Section 2. Review of Approved Loan
Section 3. Period to Claim Proceeds of Approved Loan
Section 4. Presentation of BBCCC Passbook and ID for Transactions
Section 5. In the event of conflict or problem in the Interpretation of any one of the
Foregoing BBCCC policies, the Board of Directors shall have the power to
Decide with finality on the matter.
Nota Bene: The effective date of these amended BBCCC policies is August 1, 2006
(As per BOD meeting on July 28, 2006).
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
39
APPENDIX D
Appendix Tables
Appendix Table 1. Result of pre and post assessment test administered to the respondents
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
TEST I: COOPERATIVE
1. What is a cooperative
40
49
47
57
No respond
42
51
35
43
2. Promotes thrift and savings among its members
and create fund in order to grant loans for
productive and provident.
A. Credit cooperatives
66
80
65
79
B. Consumers cooperative
3
4
6
7
C. Producers cooperative
9
5
2
3
No Respond
4
11
9
11
3. The primary purpose is to procure and distribute
commodities to members and non-members.
A. Credit cooperative
10
12
15
18
B. Consumers cooperative
51
62
40
49
C. Producers cooperative
13
16
18
22
No respond
8
10
9
11
4. Undertakes joint production whether agricultural
or industrial.
A. Credit cooperative
9
11
13
16
B. Consumers cooperative
11
13
12
15
C. Producers cooperative
50
61
51
62
No Respond
12
15
6
7
5. Engage in the supply of production inputs to
members and markets their product.
A. Marketing cooperative
60
73
56
68
B. Service cooperative
2
2.5
5
6
C. Multi-purpose cooperative
14
17
8
10
No Respond
6
7.5
13
16
6. Engage in medical and dental care, hospitalization,
transportation, insurance, housing, labor, electric
light and power, communication and other
services.
A. Marketing cooperative
6
7.5
4
5
B. Service cooperative
60
73
60
73
C. Multi-purpose cooperative
10
12
10
12
No Respond
3
7.5
8
10
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
40
Appendix Table 1. Continued …
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
7. Combines two (2) or more of the business
activities of the different types of cooperatives.
A. Marketing cooperative
11
13
5
6
B. Service cooperative
5
6
4
5
C. Multi-purpose cooperative
53
65
65
79
No Respond
13
16
8
10
8. The members of which are natural persons of legal
age.
A. Primary members
54
66
48
58.8
B. Secondary members
5
6
6
7
C. Tertiary members
10
12
17
21
No Respond
13
16
11
13.5
9. The members of which are primaries
A. Primary members
49
60
46
56
B. Secondary members
17
20
24
29
C. Tertiary members
3
4
2
2.5
No Respond
13
16
10
12.5
10. The member of which are secondaries upward to
one or more apex organization.
A. Primary members
2
2
9
11
B. Secondary members
41
50
34
5
C. Tertiary members
27
33
30
36
No Respond
12
15
39
48
11. Is entitled to all the rights and privileges of
membership as stated in the cooperative code and
coop’s by-laws.
A. Regular member
50
61
63
77
B. Associate member
8
10
4
5
C. Primary member
11
13
17
8
No Respond
13
16
8
10
12. The members are employees of a certain within
the coop’s area of operation.
A. Residential member
46
56
46
56
B. Institutional member
14
17
16
20
C. Associational member
12
15
10
12
No Respond
10
12
10
12
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
41
Appendix Table 1. Continued …
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
13. The members are employees of a certain
company, public or private.
A. Residential member
4
5
11
13
B. Institutional member
42
51
41
50
C. Associational member
24
29
23
28
No Respond
12
15
7
9
14. The members belong to a certain association,
organization, religious or civil groups whether
formal or informal.
A. Residential member
11
13
15
18
B. Institutional member
14
17
17
21
C. Associational member
44
54
44
54
No Respond
13
16
6
7
15. The members belong to a certain profession or
occupation
A. Residential member
2
2
5
6
B. Institutional member
3
4
3
4
C. Occupational member/Professional member
57
70
60
73
No Respond
20
24
14
17
Appendix Table 2. Result of part II assessment test administered to the respondents
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
TEST II
A. Cooperative policies
1. Every member subscribes to __________ shares at
Php. 100.00 share for a total of Php 5,000.00
A. Fifty (50)
55
67
62
75
B. Thirty (30)
3
4
4
5
C. Twenty
6
7
4
5
No Respond
18
22
12
15
2. Period where in you can avail of up to thrice (3x)
of one’s share capital/fixed deposits
A. 2nd loan
17
21
12
15
B. 3rd loan
10
12
8
10
C. 4th loan
8
10
14
17
No Respond
47
57
48
58
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
42
Appendix Table 2. Continued…
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
3. No member shall own or hold more than ______
percent of the total paid up share capital of the
cooperative.
A. Twenty (20%)
21
26
34
41
B. Ten (10%)
14
17
8
10
C. Thirty (30%)
30
36
5
6
No Respond
17
21
35
43
4. Loan for small and immediate financial need.
A. Petty Cash Loan (PCL)
52
63
64
78
B. Regular Loan (RL)
9
11
2
2
C. Special Service Loan (SSL)
5
6
7
9
No Respond
16
20
9
11
5. If the loan is not paid at maturity date, the rule or
penalty continues to be applied and an additional
______% per month on the remaining balance
shall be collected until fully paid.
A. One (1%)
34
41
33
40
B. Two (2%)
24
29
26
32
C. Three (3%)
8
10
16
19.5
No Respond
16
20
7
8.5
6. As a general rule, _____ 10-makers with at least
Php 5,000.00 are required for every loan of the
principal debtor.
A. Two (2) 10-makers
54
65.5
68
83
B. Three (3) 10-makers
7
8.5
1
1
C. Four (4) 10-makers
4
5
0
0
No Respond
17
21
13
16
7. Grocery purchase service is without interest and is
payable within one month.
A. Two (2%)
30
37
45
55
B. One (1%)
23
28
26
32
C. Three (3%)
10
12
0
0
No Respond
19
23
11
13
8. The amount of death aid for legal spouse is
A. Php 5,000.00
57
70
57
70
B. Php 2,500.00
6
7
13
16
C. 500.00
1
1
1
1
No Respond
18
22
11
13
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
43
Appendix Table 2. Continued…
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
9. A period of ______ month is given for the
claiming of loan proceeds from the time of final
approval of the loan.
A. One month
54
66
53
65
B. Two months
4
5
0
0
C. Three months
5
6
16
19
No Respond
19
23
13
16
10. Special contingency loan (SCL)
A. One year
20
24
41
50
B. Six months
26
32
15
18
C. One month
17
21
16
20
No Respond
19
23
10
12
B. TRUE OR FALSE
1. Membership is open to any natural person who is
a citizen of the Philippines of legal age with
capacity to contract or is head of the family.
A. True
56
58
64
78
B. False
4
5
4
5
No Respond
22
27
14
17
2. An applicant who is a member of any other
cooperative with credit (loans and savings) as its
primary purpose can have approval of members.
A. True
23
28
27
29
B. False
31
38
38
46.5
No Respond
28
34
20
24.5
3. Non-payment of loan for three consecutive months
or six consecutive semi-monthly payments is still
considered member in bad standing (MBS)
A. True
50
61
62
66
B. False
10
12
3
11
No Respond
22
27
17
23
4. Members who withdraw are given to privilege or
re-entry. They may re-apply in writing justifying
their reasons for readmission.
A. True
55
67
54
66
B. False
5
6
9
11
No Respond
22
27
19
23
5. Returning member may not be more than fifty (50)
years old on his/her re-entry.
A. True
39
48
50
61
B. False
20
24
15
18
No Respond
23
28
17
21
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
44
Appendix Table 2. Continued…
QUESTIONS
PRE-TEST
POST-TEST
F
%
F
%
6. All BBCCC members should participate in the
parliamentary affairs of the cooperative like
actively participating in the General Assembly
(GA) deliberation and in other projects or
activities organized by the cooperative.
A. True
54
66
64
78
B. False
2
2
1
1
No Respond
26
32
17
21
7. For the petty cash loans, the maximum amount is
Php 1,000.oo for old members while it is Php.
800.00 for new members
A. True
39
48
42
51
B. Members
19
23
2
2.5
No Respond
24
29
38
46.5
8. Two or more special service loans may be granted
as long as the amounts of these loans are within
the borrower’s capacity to pay.
A. True
53
65
60
73
B. False
6
7
3
4
No Respond
23
28
19
23
9. Lying or misrepresenting the purpose of the loan
such that the amount was use for a purpose other
than for which it was granted makes the loan due
and demandable.
A. True
41
50
55
67
B. False
15
18
9
11
No Respond
26
32
18
22
10. The passbook is required for all money
transactions with the cooperative.
A. True
55
67
61
74
B. False
4
5
3
4
No Respond
23
28
18
22
(Pre-Post) Assessment of the Pre-membership Education Seminar
of Baguio-Benguet Community Credit Cooperative / Ma. Kristina Sophia C. Evangelista. 2009
Document Outline
- (Pre-Post)Assessment of the Pre-membership Education Seminar of Baguio-Benguet CommunityCredit Cooperative
- BIBLIOGRAPHY
- ABSTRACT
- TABLE OF CONTENT
- INTRODUCTION
- REVIEW OF LITERATURE
- METHODOLOGY
- REULTS AND DISCUSSON
- SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
- APPENDIX