BIBLIOGRAPHY STEPHANIE C. BINAY-AN. MARCH...
BIBLIOGRAPHY
STEPHANIE C. BINAY-AN. MARCH 2006. An Assessment of the of the
Primary Cooperatives Affiliated to the Benguet Provincial Cooperative Union. Benguet
State University, La Trinidad, Benguet.
Adviser: Evangeline B. Cungihan, MSc.
ABSTRACT
This case study was conducted to assess the growth of cooperatives affiliated to
the Benguet Provincial Cooperative Union in terms of membership, share capital, net
surplus, total assets and total reserves.
Twenty cooperatives were taken from six selected municipalities of Benguet as
study units. The types of cooperatives were credit, multipurpose non-agriculture and
multipurpose agriculture.
The types of assistance provided by the BPCU were trainings and seminars on the
following: cooperative orientation and management, bookkeeping and accounting,
parliamentary procedures, and policy and project proposal formulation. These trainings
and seminars contributed to the growth of
Through these trainings and seminars members became aware of the objectives of
the cooperative and their duties and responsibilities, thus, they became more active and
supportive to their respective cooperatives. Also, the BODs were also able to improve the
policies of their cooperative. As a result it contributed to the growth of assets, net surplus,
total reserves, share capital, savings deposit and number of members as perceived by the
respondents. It also contributed to the increase of patronage of members and decline in
the rate of delinquency in all the cooperatives studied. It also improved members’
attendance to meetings.
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TABLE OF CONTENTS
Page
Bibliography. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Abstract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Table of Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iii
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Rationale of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Statement of the Problem . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2
Objectives of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Importance of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Scope and Delimitation of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
METHODOLOGY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Locale and Time of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Respondents of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Data to Collection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Data Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
REVIEW OF LITERATURE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Development of Cooperatives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Factors of Success . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Cooperative Unions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
RESULTS AND DISCUSSION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
Profile of the Primary Cooperatives Studied . . . . . . . . . . . . . . . . . . . . .
8
iii
Date of Affiliation to BPCU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Participation to BPCU Activities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Problems Encountered by the Cooperatives
11
Before Joining BPCU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Perceived Effects of the Assistance
12
from BPCU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Factors that Contributed to the Change . . . . . . . . . . . . . . . . . . . . . . . . .
14
Status of Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15
Growth of the Cooperatives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
16
Growth of Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
17
Growth in Net Surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
18
Growth in the General Reserve Fund . . . . . . . . . . . . . . . . . . . . . . . . . . .
19
Number of Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
20
Trainings and Seminars Provided by BPCU
to its Affiliates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
21
SUMMARY, CONCLUSIONS AND
RECOMMENDATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23
Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23
Conclusions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
24
LITERATURE CITED . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
26
APPENDICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Survey Questionnaire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
iv
INTRODUCTION
Rationale of the Study
The common concept of a cooperative is a business entity organized by people
who have a common need and common interest to produce, purchase, or sell goods or
services for their own benefits. Cooperatives therefore to play vital roles in improving the
social and economic conditions of the people which can lead to attaining overall
economic growth and prosperity in the country. The establishments of cooperatives begin
with people who wish to provide themselves with goods and services they need. As such,
these cooperatives should grow in size, both in membership and economic resources, so
that they will be able to provide the needs of the members.
Based on the list of CDA, there are many cooperatives organized in Benguet but
only very few are successful showing very rapid growth and development. It is difficult
to conclude that their environment is the main factor that contributed to their success. The
growth of cooperatives may also be affected by the geographic location.
One significant factor in the success of a cooperative is good leadership and
management. Another factor is the support from outside environment. These supports
may be in the form of training, legal help and financial aid. The cooperative code of the
Philippines allows the creation secondary and tertiary cooperatives like unions and
federations to provide technical and financial assistance to the primary cooperatives.
In the province of Benguet, the Benguet Provincial Cooperative Union (BPCU)
was organized to provide the above mentioned function. Since its organization, many of
the primary cooperatives especially in the far flung areas of Benguet have been assisted.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
2
Statement of the Problem
Although some cooperatives became stagnant and eventually dissolved, there
were still many that have grown into millionaire cooperatives. Many factors accounted
for the success. One is assistance from other organizations. Benguet Provincial
Cooperative Union (BPCU) is one of the organizations here in Bunguet that provided
non-business needs of cooperative members so that their efficiency is maximized.
This study intends to assess the growth of primary cooperative affiliates of BPCU.
It seeks to find out the perceptions of the respondents regarding the services of BPCU.
Objectives of the Study
This study aimed to:
1. Determine the growth of primary cooperatives affiliated to BCPU in terms of
membership, share capital, total assets, net surplus and total reserves.
2. Find out the types of assistance given by BPCU to primary cooperatives.
3. Find out the perceptions of the respondents regarding the effects of the assistances
given by the BPCU.
Importance of the Study
This study was expected to provide information about the growth of primary
cooperatives affiliated to BPCU and the different assistance provided by the BPCU. This
information would be needed by the Board of Directors of BPCU in formulating policies
that are geared towards the development of cooperatives in the province. It would also
serve as reference for students studying and making researches about cooperatives.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
3
Scope and Delimitation of the Study
This study limited its scope to the assessment of the assistance provided by BPCU
as to their effects on the growth of affiliated primary cooperatives in selected
municipalities of Benguet. Data gathered were based on the perceptions of the
respondents.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
4
METHODOLOGY
Locale and Time of the Study
This study was conducted in six (6) municipalities of Benguet. There were twenty
(20) primary cooperatives considered as study units. They were distributed among the six
municipalities. This study was conducted from December, 2005 to February 2006.
Respondents of the Study
The information needed in this study was gathered from the officers of the twenty
primary cooperatives of Benguet.
Data Collection
A structured questionnaire was personally floated to the respondents to gather
data and information that was needed in this study. Likewise, a copy of the financial
report and annual reports submitted to the CDA was also taken to supplement the
information gathered through the survey questionnaire.
Data Analysis
The data and information gathered was tabulated, analyzed, and interpreted
according to the objectives of the study. Descriptive analysis like mean and percentage
distribution were used.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
5
REVIEW OF LITERATURE
Development of Cooperatives
Fajardo and Abella (1999) defined cooperative as an association of persons with
common bond of interest, not capital. It begins with people who wish to provide
themselves with good services they need.
The cooperative is an organization where members help each other become self-
reliant and self-sufficient because the purchasing power of his little and hard earned
money is enhanced. It is the economic alternative and the inculcation of values which are
needed to meet the challenges of rapidly changing society (Rimas, 1990).
Article 2 of the cooperative Code of the Philippines states that the declared policy
of the state is to foster the creation and growth of cooperatives as a practical vehicle for
promoting self-reliance and harnessing people’s power towards the attainment of
economic development and social justice. The state shall encourage the private sector to
undertake the actual formation and organization of cooperatives and shall create an
atmosphere that is conducive to the growth and development of these cooperatives.
Factors of Success
Fajardo and Abella (1999) mentioned several factors that have been contributing
to the success of cooperatives in the past. The following factors were based on a survey
of successful cooperatives in the Philippines.
1. Continuous training and education of the officers, members, and employees.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
6
2. Appropriate and adequate organizational structures to cope with the varying
and increasing needs problems of the cooperative members and the community.
3. Progressive and people oriented policies on services offered education,
management, community development.
4. Presence of effective, honest, and dedicated cooperative and community
leaders.
5. Active involvement and participation of the officers and members in the affairs
of their cooperatives and their community.
6. Trust and confidence in the cooperative’s officers.
7. Dependence on self-help process in achieving their programs and projects.
Cooperative Unions
According to the cooperative code of the Philippines, cooperative unions may
have the following purposes:
a. To represent its member organizations;
b. To acquire, analyze, and disseminate economic, statistical and other
information relating to its members and to all types of cooperatives within its area
of operation;
c. To sponsor studies in the economic, legal, financial, social, and other phases of
cooperative, and publish the results thereof;
d. To promote the knowledge of cooperative principles and practices;
e. To develop the cooperative movement in their respectful jurisdictions;
f. To advise the appropriate authorities on all questions relating to cooperatives;
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
7
g. To raise funds through membership fees, dues, and contributions, donations
and subsidies from local and foreign sources whether private or government;
h. To do and perform such other activities as they may be necessary to attain the
forgoing activities.
A cooperative union has no business functions either for the union itself or to the
cooperative members. A cooperative union is normally organized among higher level
cooperatives, that is, among tertiary or apex organizations. Its main purpose is to address
the non-business needs of the cooperative members so that their efficiency is maximized.
Some activities that the unions may undertake to maximize the efficiency of member
cooperative include the training for cooperative leaders or representing member
cooperatives before government offices (CDA 1990).
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
8
RESULTS AND DISCUSSION
Profile of the Primary Cooperatives Studied
Date of registration. Table 1 shows the date of registration of these cooperatives.
Nine (45%) were registered between 1993 and 1995, 6 (30%) were registered between
1990 and 1992, while 5 (25%) were registered after 1995.
Area of operation. The area of operation refers to the scope of the place where
members of the cooperative came from. Table 1 presents that majority (90%) were
operating in their own barangay. Only 2 (10%) were getting their members from the
whole municipality.
Types of cooperative. The different types of cooperative in the study were credit,
multipurpose non-agriculture, and multipurpose agriculture. Majority (60%) were
multipurpose agricultural cooperatives. Twenty percent each were credit and
multipurpose non-agriculture. There were no consumer, service, or marketing type
included in the study. This finding implies that majority of the cooperatives affiliated to
BPCU were multipurpose agriculture type.
Initial members. Table 2 presents the initial number of members of the
cooperatives studied. Most (50%) of the cooperatives started with an initial members of
20 or less. Three cooperatives had an initial member of 21 - 30. Another 3 cooperatives
each also started with an initial members of 31 – 40 and 60 and above. There was no
cooperative in the study that started with initial members of 41 - 50. Only 1 cooperative
started its operation with 51 - 60 initial members. This implies that majority of the
cooperatives started with just few members.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
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Table 1. Profile of the different cooperative studied.
PARTICULARS
FREQUENCY
PERCENTAGE
a. Date registered
1990 – 1992
6
30
1992 – 1995
9
45
1996 and above
5
25
Total
20
100
b. Area of operation
Barangay
18
90
Municipality
2
10
Total
20
100
Types of cooperative
Credit
4
20
MP agriculture
12
60
MP non-agriculture
4
20
Total
20
100
Table 2. Initial number of members of the different cooperatives
PARTICULARS
FREQUENCY
PERCENTAGE
20 and below
10
50
21 – 30
3
15
31 – 40
3
15
41 – 50
_
_
51 – 60
1
5
61 and above
3
15
Total
20
100
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
10
Date of Affiliation to BPCU
Table 3 presents the year when the cooperatives affiliated to the Benguet
Provincial Cooperative Union (BPCU). Fourteen (70%) cooperatives affiliated between
1990 to 1995, 5 (25%) affiliated from year 1996 to 2000, and only 1 (5%) affiliated
between 2001 to 2005. All of the respondents stated that they have joined the BPCU to
avail of the assistance like seminars and trainings. The respondents believed that through
the assistance of BPCU the performance of their cooperatives would improve.
Table 3. Distribution of cooperatives according to the year of affiliation to BPCU
PARTICULARS
FREQUENCY
PERCENTAGE
1990 – 1995
14
70
1996 – 2000
5
25
2001 - 2005
1
5
TOTAL
20
100
Participation to BPCU Activities
Table 4 shows the participation of the cooperatives to the activities of BPCU.
There were 17 (85%) respondents who answered that they had been actively participating
in the activities of the union while 3 (15%) said that they did not actively participate.
Among the cooperatives who did not participate, 2 of the respondents said that they did
not participate due to lack of time while 1 said that they did not participate due to lack of
funds to finance their registration.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
11
Table 4. Distribution of respondents according to their participation to BPCU activities
PARTICIPATION
FREQUENCY
PERCENTAGE
a. Have Participate
Yes
17
85
No
3
15
Total
20
100
Reasons
Lack of time
2
67
Lack of funds
1
33
Total
3
100
Problems Encountered by the Cooperatives
Before Joining BPCU
In Table 5, the problems encountered by the cooperatives as identified by the
respondents were presented. The most common problem encountered by the cooperatives
was high delinquency rate. All of the respondents mentioned they had problems on
delinquent member-borrowers. Fifteen (75%) had problem on the growth of membership,
there was a low rate of increase while 5(25%) said that membership growth rate is not a
problem in their cooperatives because every year there were new members added.
Fourteen (70%) had a problem on the degree of patronage of members because majority
of the members were not patronizing their cooperative while 6 (30%) said that this was
not a problem in their cooperative because majority of the members were patronizing
their cooperatives. Forty (70%) met a problem with poor attendance of members during
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
12
meetings while 6 (30%) mentioned that attendance of members during meetings was not
a problem to them. Fifteen (75%) had a problem with members not adding to their share
capital while 5 (25%) said they did not meet this problem in their cooperatives. Fourteen
(70%) respondents stated that they had a problem regarding the savings deposit of
members because instead of depositing they were withdrawing their savings deposit from
the cooperative. On the other hand, 6 (30%) said that they did not have a problem in the
savings deposit of members. This result implies that majority of the cooperatives met
various problems before they became members and participated the activities of BPCU.
Table 5. Distribution of cooperatives according to problems encountered
PARTICULARS
PROBLEM
NOT A PROBLEM
F
%
F
%
Low membership rate
15
75
5
25
Low degree of patronage
14
70
6
30
High delinquency rate
20
100
_
_
Poor attendance to meetings
14
70
6
30
Low Increase in share capital
15
75
5
25
Savings deposit decreased
14
70
6
30
Perceived Effects of the Assistance from BPCU
Table 6a shows the changes in the situation of the cooperatives after they received
assistances from BPCU. Almost all the respondents said that there was an improvement
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
13
in the performance of their cooperatives. There were only 2 (10%) who said that there
was no change in their cooperatives. However, both said they were not able to attend any
activity of BPCU.
Table 6b shows the improvements in the performance of the cooperatives. All of
the respondents said that there was growth in their membership and delinquency rate
have decreased. Fifteen or (75%) of the respondents said that patronage have increased
while 5 (25%) said there was no change in the level of patronage of their members. As to
attendance to meetings by the members and officers, 17 (85%) said that the attendance to
meetings had improved while 3 (15%) said there was no change. Sixteen or 80% said that
paid-up share capital in their cooperatives have increased while 4 (20%) said that there
was no change. And 16 (80%) also said that the savings deposit have increased while 4
(20%) said there was no change in the savings deposit in their cooperatives. This finding
implies that the participation of the different primary cooperatives to the trainings and
seminars sponsored by the union have improved their performance.
Table 6a. Perceptions of the respondents as the contribution of BPCU
PPERCEPTION
FREQUENCY
PERCENTAGE
There was a change in the coop’s situation
18
90
There was no change in the coop’s situation
2
10
TOTAL
20
100
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
14
Table 6 b. Perceived effects of assistance provided by Benguet Provincial Cooperative
Union
PARTICULARS
CHANGED
DID NOT CHANGE
F
%
F
%
Increase in membership
20
100
_
_
Degree of patronage increased
15
75
5
25
Delinquency rate decreased
20
100
_
_
Attendance to meeting improved
17
85
3
15
Paid-up share capital increased
16
80
4
20
Savings deposit increased
14
70
6
30
Factors that Contributed to the Change
The factors considered by the respondents as reasons for the changes in the
situations of the cooperatives were presented in Table 7. The findings show that through
the trainings and seminars provided by the BPCU, 19 (95%) said that the members
understood the objectives of the cooperative. Thus, they became more active and
supportive, 18 (90%) said that more people came to know their cooperative and they
became members because they realized the important role of the cooperative in the
economy. One hundred percent claimed that members became aware of the importance of
paying their loans on time, resulting to decrease in delinquency rate. All of them also
claimed that the performance of their cooperatives improved because members became
aware of their duties and responsibilities and 16 (80%) said that the Board of Directors
were able to device better policies to increase their share capital and savings deposit.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
15
Fourteen (70%) said that their cooperative grew because members understood the
importance of saving their money in the cooperative.
Table 7. Distribution of respondents on the reasons of change in the situations
PARTICULAR
FREQUENCY PERCENTAGE
Understood the objectives of the cooperative.
19
95
Cooperative is made known to the people.
18
90
Members became aware of the importance
of paying their loans on time.
20
100
Members became aware of their duties and
responsibilities.
20
100
Members understood the importance of saving their
money in the cooperative.
14
70
BOD were able to device better policy.
16
80
Status of Operation
The findings shows that 18 (90%) of the cooperatives studied were currently
operating while 2 (10%) had stopped their operation. However, there were no
cooperatives dissolved or whose registration cancelled by CDA. According to the
respondents, their cooperatives stopped their operation due to the following reasons:
officers do not attend seminars and trainings, and their knowledge on cooperative
management is limited. Their knowledge on cooperative management was limited
because of their lack of training.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
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This finding implies that the closed cooperatives can still be revived if proper
assistance will be accorded to them.
Table 8. Current status of the 20 cooperatives
PARTICULARS
FREQUENCY
PERCENTAGE
Operating
18
90
Non-operating
2
10
Cancelled
_
_
Dissolved
_
_
Total
20
100
Growth of the Cooperatives
The growth of the cooperatives was measured in terms of increases in their paid-
up share capital, total asset, net surplus, reserves, and number of members.
Paid-up share capital. Table 9 presents the growth of share capital from 2000 to
2004 among the different types of cooperative. In 2001 share capital of the
multipurpose-agriculture increased from 3,089,6835 to 3,984,424. Paid-up share capital
of the multipurpose non-agricultural type increased from 12,883,584 to 14,510,884 while
that of the credit type slightly increased from 12, 577,519 to 12,624,484. In 2002, share
capital of multipurpose agricultural type increased to 5,931,700. In the multipurpose non-
agricultural type, it increased to 15,791,504 and in the credit type, it increased to
3,428,968. In 2003, share capital of multipurpose agricultural type further increased to
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
17
6,719,594 however, for multipurpose non-agriculture type it decreased to 10,283,941. For
the credit type, it increased to 4,591,009. In year 2004, share capital of multipurpose
agriculture still increased to 7,148,719. There is a slight increase in share capital of
multipurpose non-agriculture type from 10,283,941 to 10,358,774. For Credit type it
increased again to 5,523,572.
Table 9. Amount of paid-up share capital of the cooperatives by type and by year
TYPE OF
2000
2001
2002
2003
2004
COOP.
MPC Agriculture 3,089,683
3,984,424
5,931,700
6,719,595
7,148,719
% increase
28.96
48.87
13.28
6.39
MPC Non-agric. 12,883,584 14,510,884 15,791,504 10,283,941 10,358,774
% increase
12.63
8.83
-34.88
0.73
Credit
2,577,519
2,624,488
3,428,968
4,591,009
5,523,572
% increase
1.82
30.65
33.89
20.31
Average
6,183,595
7,039,932
8,384,057
7,198,181
7,677,022
% increase
13.85
19.09
-14.14
6.65
Growth in Assets
Table 10 presents the trend of growth of assets of the different types of
cooperative. The entire cooperative studied exhibited a continuous increase in assets for
the past five years. For Multipurpose Cooperative, there is an increase of assets from
29,648, 891 to 35,405,597 in the years 2000 and 2001. It slightly increased to 37,693,434
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
18
in the year 2002. It increased again to 43,935,261 in the year 2003, and further increased
to 46,137,117 in the year 2004. For multipurpose non-agriculture type, asset increased
from 33,756,496 to 34,550,561 from the year 2000 to 2001. In the year 2002, it increased
to 37,708,931. It slightly increased to 38,293,292 in year 2003. In year the year 2004 it
increased to 41,826,964. The assets of the credit type increased from 4,161,172 to
4,899,360 in the year 2000-2001. In the year 2002, it increased to 5,978,650. in year
2003, there is a great increase from 5,978,650 to 10,333,969, and in year 2004, it further
increased to 13,601,186.
Table 10. Amount of total asset of the different types of cooperative by year
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
29,648,891 35,405,597 37,693,434
43,935,261
46,137,118
MPC Non-agri
33,756,496 34,550,561 37,708,931
38.293,292
41,826,961
Credit
4,161,172 4,899,360 5,978,650 10,333,969
13,601,189
Growth in Net Surplus
Table 11 presents the trend of growth of net surplus. For the multipurpose
agriculture type of cooperative, the average net surplus increased from P1.6 million pesos
in 2000 to about P1.8 million in 2001 and P2.1 million in 2002 but declined to P1.7
million in 2003. In 2004, it again increased to P2.9 million. For the multipurpose non-
agri, net surplus in 2000 was P1.5 million then increased to P1.7 million in 2001. In 2002
it declined to about P1.2 million but had a big jump in 2003 to P6.5 million. In 2004 it
again increased and reached P7.7 million. For the credit type, It was observed that there
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
19
was a continuous increase from 2000 to 2004. From an average net surplus of only
P435,099 in 2000, it increased to P1.4 million at the end of 2004. It was observed that in
general there was an increase in the level of net surplus of the cooperatives which
indicates a good performance in their operations. Since the net surplus was realized from
the members patronage, then it indicates a strong support and patronage by the members
of the different cooperatives.
Table 11. Amount of net surplus of the different types of cooperative by year
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
1,593,613 1,770,671 2,147,990
1,739,704
2,968,161
MPC Non-agri
1,556,770 1,758,055 1,196,119
6,524,140
7,708,627
Credit
435,099
527,749
755,561
1,316,180
1,453,959
Growth in the General Reserve Fund
Table 12 the amount of general reserve fund of the different types of cooperative
fro 2000 to 2004. It was can be seen from the table that the multipurpose agriculture
cooperative had the highest reserve fund among the three types of cooperative. There had
been a continuous increase in the general reserve funds of both the multipurpose
agriculture and the multipurpose non-agriculture while for the credit type there was a
decrease observed in 2001 and 2002. From a general reserve fund of P705,917 in 2000 in
became P122,281 only in 2002. However, it increased to P1,1 million in 2004.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
20
Table 12. Amount of general reserve fund of the different types of cooperative by year
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
2,314,555
2,704,999 3,307,050 3,152,798 2,400,620
MPC Non-agri
931,665
1,026,424 1,283,937 1,488,932 1,820,034
Credit
705,917
603,733
122,281
847,404
1,122,527
Number of Members
Table 13 presents the number of members in the different types of cooperative for
the past five years. For the multipurpose agriculture type, there were 1,332 members in
2000 and increased to 2,702 in 2001theneincreased to 2,763 members in 2002. However,
in 2003 the number of members decreased to 2,681 and further decrease in 2004 to 2,677.
For the multipurpose non-agriculture type, there was a continuous increase in the number
of members from 637 to 778 in years 2000 to 2001and in year 2004 it became 865. For
the credit type, the number of members in year 2000 was 445 and slightly increased to
453 in 2001. It decreased to 414 in 2002 then further declined to 339 in 2003. However, it
increased to 453 in 2004.
Table 13. Number of members in the different types of cooperative from 2000 to 2004
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
1,332
2,702
2,763
2,681
2,677
MPC Non-agri
637
688
778
716
865
Credit
445
453
414
389
453
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
21
Trainings and Seminars Provided by BPCU
to its Affiliates
The trainings and seminars conducted by the BPCU to the affiliated primary
cooperatives are presented in Table 14. Eighteen or 90% of the respondents said that
PMES was attended by their members while 10% said otherwise. All of the respondents
claimed that training on bookkeeping and accounting and seminar on cooperative
orientation were participated in by their members. Fifteen or 75% claimed that Basic
Cooperative Education seminar was conducted in their cooperative while 5 (25%) said
otherwise. All of the respondents also said that training on policy formulation, project
proposal preparation, and seminar on parliamentary procedures was attended by their
members.
Table 14. Training and seminars Provided by the BPCU
PARTICULARS
YES
NO
F
%
F
%
Pre-membership education seminar
18
90
2
10
Bookkeeping and accounting
20
100
_
_
Cooperative orientation and management
20
100
_
_
Basic cooperative education
15
75
5
25
Policy formulation
20
100
_
_
Project proposal formulation
20
100
_
_
Parliamentary procedures
20
100
_
_
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
22
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary
The study was conducted in 20 randomly selected primary cooperatives affiliated
to Benguet Provincial Cooperative Union. The respondents were officers from the
different cooperatives.
Most of the cooperatives were registered from 1990 to 1995. Almost all of them
were operating in the barangay level. Majority of the cooperatives were multipurpose
agricultural type and very few were credit and multipurpose non-agriculture. Most of the
cooperative started with initial members of less than twenty and were affiliated between
1990 to 1995. The cooperatives joined BPCU membership because they believed that
their cooperative would benefit from the seminars and trainings that the union was
conducting. Majority of the cooperatives had been actively participating in the activities
of BPCU. However, it is sad to note that some of the cooperatives were not able to
participate in the seminars and trainings and other activities conducted by BPCU due to
lack of time on the part of the members and lack of funds on the part of the cooperative to
finance the registrations of the members to participate.
Through the assistance of the Benguet Provincial Cooperative Union in the
seminars and trainings they have been conducting, the objectives of the cooperatives
became clear to many members. Besides more people came to known about cooperative
and they were convinced with the principles and philosophy of cooperative thus more of
them became members in the different cooperatives. Other positive effects of the
trainings and seminars given by PBCU was that, members became aware of their duties
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
23
and responsibilities and became more responsible members, and the BODs were able to
device and implement better policies that contributed to the growth of majority of the
cooperatives, as perceived by the respondents.
There was growth in the total asset, total paid-up share capital, general reserve
fund, and the total members in the different cooperatives as reflected in their financial
and annual reports.
Conclusions
Based on the findings, the following conclusions were made:
1. Most of the cooperatives exhibited a continuous, however slow, growth.
2. All the cooperatives encountered a problem on delinquent borrowers.
3. Most of the respondents claimed that through the assistance from the Benguet
Provincial Cooperative Union the performance of the cooperatives has improved.
4. The BPCU have been conducting different seminars and training.
Recommendation
1. As evidenced by the growth in the financial status of the affiliated cooperatives and
the claims of the respondents, other primary cooperatives who are not yet members of
the Benguet Provincial Cooperative Union should also join the union so that they
would also receive the same benefits derived by the members.
2. To enable members of the primary cooperatives to participate in seminars and trainings
to be conducted by the BPCU or other institutions, the primary cooperatives should
allocate 10% of their net surplus to CETF and remit half of the amount to the union
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
24
so that the union would have enough funds to conduct trainings and seminars. The
other half should be used by the cooperative to finance the participation of their
members to trainings and seminars.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
25
LITERATURE CITED
COOPERATIVE DEVELOPMENT AUTHORITY (CDA). 1990. The Cooperative Code
of the Philippines (R.A. 6939). Quezon City, Philippines. Pp.52 – 54.
FAJARDO, F.R. and F.P. ABELLA. 1999. Cooperatives. Fourth ed. Quezon City: Rex
Printing Company, Inc.. P. 129.
REYES, G.B. 1998. Management of Agricultural Cooperatives in Region IV Philippine
Cooperative Preview. Technical Journal of the Cooperative Movement, Vol. 2.
No. 2. UPLB, Philippines. Pp. 52-56.
RIMAS, G.S. 1990. Cooperative principles and practices. A lecture notes for PMES. Pp.
25-26.
TIGLAO, C.G. 2003. Factors affecting the growth of primary cooperatives in selected
municipalities of La Union. BS Thesis. Benguet State University, La Trinidad,
Benguet. P.1.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
26
APPENDIX
Appendix A. Survey Questionnaire
I. Cooperative Profile
Name of Cooperative:
Date registered:
Area of operation: (please check)
( ) Barangay
( ) Municipality
( ) Provincial
Type of cooperative: (please check)
( ) consumer
( ) credit
( ) service ( ) marketing
( ) MPC Agri
( ) MPC non-agri
Initial number of Members __________ Current number of members_______
Year affiliated to BPCU ____________
Status: ( ) operating ( ) non-operating ( ) cancelled registration ( ) dissolved
II. Other information
1. Have you been actively participating in the activities of BPCU? ( ) yes
( ) no
If yes, were these helpful to your cooperative and how?
If no, why?
2. What problems did you encounter in your cooperative before you join BPCU?
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
27
( ) low membership growth rate
( ) degree of patronage is decreasing
( ) high delinquency rate
( ) poor attendance to meetings
( ) low increase in share capital
( ) savings deposit decreased
( ) other (specify)
3. After your members attended seminars conducted by BPCU did the situation change?
( ) yes
( ) no
If no, why?
If yes, what were the changes?
( ) increase in membership growth rate
( ) degree of patronage is increased
( ) delinquency rate decreased
( ) attendance to meetings improved
( ) paid-up share capital increased
( ) savings deposit increased
( ) other (specify)
III. Type of Assistance Given by BPCU
1. What type of assistance did you get from being a member of BPCU?
2. Is the assistance you received enough? ( ) yes ( ) no
3. Do you think the activities of BPCU helpful to your cooperative? ( ) yes ( ) no
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
28
IV. Financial Status
Please provide the data on the following for the last five years of your operation
Year
Share
Total Asset
No. of
Net Surplus Gen. Res.
Capital
members
Fund
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
STEPHANIE C. BINAY-AN. MARCH 2006. An Assessment of the of the
Primary Cooperatives Affiliated to the Benguet Provincial Cooperative Union. Benguet
State University, La Trinidad, Benguet.
Adviser: Evangeline B. Cungihan, MSc.
ABSTRACT
This case study was conducted to assess the growth of cooperatives affiliated to
the Benguet Provincial Cooperative Union in terms of membership, share capital, net
surplus, total assets and total reserves.
Twenty cooperatives were taken from six selected municipalities of Benguet as
study units. The types of cooperatives were credit, multipurpose non-agriculture and
multipurpose agriculture.
The types of assistance provided by the BPCU were trainings and seminars on the
following: cooperative orientation and management, bookkeeping and accounting,
parliamentary procedures, and policy and project proposal formulation. These trainings
and seminars contributed to the growth of
Through these trainings and seminars members became aware of the objectives of
the cooperative and their duties and responsibilities, thus, they became more active and
supportive to their respective cooperatives. Also, the BODs were also able to improve the
policies of their cooperative. As a result it contributed to the growth of assets, net surplus,
total reserves, share capital, savings deposit and number of members as perceived by the
respondents. It also contributed to the increase of patronage of members and decline in
the rate of delinquency in all the cooperatives studied. It also improved members’
attendance to meetings.
ii
TABLE OF CONTENTS
Page
Bibliography. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Abstract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
i
Table of Contents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
iii
INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Rationale of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
1
Statement of the Problem . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
2
Objectives of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Importance of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
Scope and Delimitation of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . .
3
METHODOLOGY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Locale and Time of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Respondents of the Study . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Data to Collection . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
Data Analysis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
4
REVIEW OF LITERATURE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Development of Cooperatives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Factors of Success . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Cooperative Unions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
6
RESULTS AND DISCUSSION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8
Profile of the Primary Cooperatives Studied . . . . . . . . . . . . . . . . . . . . .
8
iii
Date of Affiliation to BPCU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Participation to BPCU Activities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
10
Problems Encountered by the Cooperatives
11
Before Joining BPCU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Perceived Effects of the Assistance
12
from BPCU . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Factors that Contributed to the Change . . . . . . . . . . . . . . . . . . . . . . . . .
14
Status of Operation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
15
Growth of the Cooperatives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
16
Growth of Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
17
Growth in Net Surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
18
Growth in the General Reserve Fund . . . . . . . . . . . . . . . . . . . . . . . . . . .
19
Number of Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
20
Trainings and Seminars Provided by BPCU
to its Affiliates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
21
SUMMARY, CONCLUSIONS AND
RECOMMENDATIONS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23
Summary. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
23
Conclusions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
24
LITERATURE CITED . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
26
APPENDICES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Survey Questionnaire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
27
iv
INTRODUCTION
Rationale of the Study
The common concept of a cooperative is a business entity organized by people
who have a common need and common interest to produce, purchase, or sell goods or
services for their own benefits. Cooperatives therefore to play vital roles in improving the
social and economic conditions of the people which can lead to attaining overall
economic growth and prosperity in the country. The establishments of cooperatives begin
with people who wish to provide themselves with goods and services they need. As such,
these cooperatives should grow in size, both in membership and economic resources, so
that they will be able to provide the needs of the members.
Based on the list of CDA, there are many cooperatives organized in Benguet but
only very few are successful showing very rapid growth and development. It is difficult
to conclude that their environment is the main factor that contributed to their success. The
growth of cooperatives may also be affected by the geographic location.
One significant factor in the success of a cooperative is good leadership and
management. Another factor is the support from outside environment. These supports
may be in the form of training, legal help and financial aid. The cooperative code of the
Philippines allows the creation secondary and tertiary cooperatives like unions and
federations to provide technical and financial assistance to the primary cooperatives.
In the province of Benguet, the Benguet Provincial Cooperative Union (BPCU)
was organized to provide the above mentioned function. Since its organization, many of
the primary cooperatives especially in the far flung areas of Benguet have been assisted.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
2
Statement of the Problem
Although some cooperatives became stagnant and eventually dissolved, there
were still many that have grown into millionaire cooperatives. Many factors accounted
for the success. One is assistance from other organizations. Benguet Provincial
Cooperative Union (BPCU) is one of the organizations here in Bunguet that provided
non-business needs of cooperative members so that their efficiency is maximized.
This study intends to assess the growth of primary cooperative affiliates of BPCU.
It seeks to find out the perceptions of the respondents regarding the services of BPCU.
Objectives of the Study
This study aimed to:
1. Determine the growth of primary cooperatives affiliated to BCPU in terms of
membership, share capital, total assets, net surplus and total reserves.
2. Find out the types of assistance given by BPCU to primary cooperatives.
3. Find out the perceptions of the respondents regarding the effects of the assistances
given by the BPCU.
Importance of the Study
This study was expected to provide information about the growth of primary
cooperatives affiliated to BPCU and the different assistance provided by the BPCU. This
information would be needed by the Board of Directors of BPCU in formulating policies
that are geared towards the development of cooperatives in the province. It would also
serve as reference for students studying and making researches about cooperatives.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
3
Scope and Delimitation of the Study
This study limited its scope to the assessment of the assistance provided by BPCU
as to their effects on the growth of affiliated primary cooperatives in selected
municipalities of Benguet. Data gathered were based on the perceptions of the
respondents.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
4
METHODOLOGY
Locale and Time of the Study
This study was conducted in six (6) municipalities of Benguet. There were twenty
(20) primary cooperatives considered as study units. They were distributed among the six
municipalities. This study was conducted from December, 2005 to February 2006.
Respondents of the Study
The information needed in this study was gathered from the officers of the twenty
primary cooperatives of Benguet.
Data Collection
A structured questionnaire was personally floated to the respondents to gather
data and information that was needed in this study. Likewise, a copy of the financial
report and annual reports submitted to the CDA was also taken to supplement the
information gathered through the survey questionnaire.
Data Analysis
The data and information gathered was tabulated, analyzed, and interpreted
according to the objectives of the study. Descriptive analysis like mean and percentage
distribution were used.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
5
REVIEW OF LITERATURE
Development of Cooperatives
Fajardo and Abella (1999) defined cooperative as an association of persons with
common bond of interest, not capital. It begins with people who wish to provide
themselves with good services they need.
The cooperative is an organization where members help each other become self-
reliant and self-sufficient because the purchasing power of his little and hard earned
money is enhanced. It is the economic alternative and the inculcation of values which are
needed to meet the challenges of rapidly changing society (Rimas, 1990).
Article 2 of the cooperative Code of the Philippines states that the declared policy
of the state is to foster the creation and growth of cooperatives as a practical vehicle for
promoting self-reliance and harnessing people’s power towards the attainment of
economic development and social justice. The state shall encourage the private sector to
undertake the actual formation and organization of cooperatives and shall create an
atmosphere that is conducive to the growth and development of these cooperatives.
Factors of Success
Fajardo and Abella (1999) mentioned several factors that have been contributing
to the success of cooperatives in the past. The following factors were based on a survey
of successful cooperatives in the Philippines.
1. Continuous training and education of the officers, members, and employees.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
6
2. Appropriate and adequate organizational structures to cope with the varying
and increasing needs problems of the cooperative members and the community.
3. Progressive and people oriented policies on services offered education,
management, community development.
4. Presence of effective, honest, and dedicated cooperative and community
leaders.
5. Active involvement and participation of the officers and members in the affairs
of their cooperatives and their community.
6. Trust and confidence in the cooperative’s officers.
7. Dependence on self-help process in achieving their programs and projects.
Cooperative Unions
According to the cooperative code of the Philippines, cooperative unions may
have the following purposes:
a. To represent its member organizations;
b. To acquire, analyze, and disseminate economic, statistical and other
information relating to its members and to all types of cooperatives within its area
of operation;
c. To sponsor studies in the economic, legal, financial, social, and other phases of
cooperative, and publish the results thereof;
d. To promote the knowledge of cooperative principles and practices;
e. To develop the cooperative movement in their respectful jurisdictions;
f. To advise the appropriate authorities on all questions relating to cooperatives;
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
7
g. To raise funds through membership fees, dues, and contributions, donations
and subsidies from local and foreign sources whether private or government;
h. To do and perform such other activities as they may be necessary to attain the
forgoing activities.
A cooperative union has no business functions either for the union itself or to the
cooperative members. A cooperative union is normally organized among higher level
cooperatives, that is, among tertiary or apex organizations. Its main purpose is to address
the non-business needs of the cooperative members so that their efficiency is maximized.
Some activities that the unions may undertake to maximize the efficiency of member
cooperative include the training for cooperative leaders or representing member
cooperatives before government offices (CDA 1990).
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
8
RESULTS AND DISCUSSION
Profile of the Primary Cooperatives Studied
Date of registration. Table 1 shows the date of registration of these cooperatives.
Nine (45%) were registered between 1993 and 1995, 6 (30%) were registered between
1990 and 1992, while 5 (25%) were registered after 1995.
Area of operation. The area of operation refers to the scope of the place where
members of the cooperative came from. Table 1 presents that majority (90%) were
operating in their own barangay. Only 2 (10%) were getting their members from the
whole municipality.
Types of cooperative. The different types of cooperative in the study were credit,
multipurpose non-agriculture, and multipurpose agriculture. Majority (60%) were
multipurpose agricultural cooperatives. Twenty percent each were credit and
multipurpose non-agriculture. There were no consumer, service, or marketing type
included in the study. This finding implies that majority of the cooperatives affiliated to
BPCU were multipurpose agriculture type.
Initial members. Table 2 presents the initial number of members of the
cooperatives studied. Most (50%) of the cooperatives started with an initial members of
20 or less. Three cooperatives had an initial member of 21 - 30. Another 3 cooperatives
each also started with an initial members of 31 – 40 and 60 and above. There was no
cooperative in the study that started with initial members of 41 - 50. Only 1 cooperative
started its operation with 51 - 60 initial members. This implies that majority of the
cooperatives started with just few members.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
9
Table 1. Profile of the different cooperative studied.
PARTICULARS
FREQUENCY
PERCENTAGE
a. Date registered
1990 – 1992
6
30
1992 – 1995
9
45
1996 and above
5
25
Total
20
100
b. Area of operation
Barangay
18
90
Municipality
2
10
Total
20
100
Types of cooperative
Credit
4
20
MP agriculture
12
60
MP non-agriculture
4
20
Total
20
100
Table 2. Initial number of members of the different cooperatives
PARTICULARS
FREQUENCY
PERCENTAGE
20 and below
10
50
21 – 30
3
15
31 – 40
3
15
41 – 50
_
_
51 – 60
1
5
61 and above
3
15
Total
20
100
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
10
Date of Affiliation to BPCU
Table 3 presents the year when the cooperatives affiliated to the Benguet
Provincial Cooperative Union (BPCU). Fourteen (70%) cooperatives affiliated between
1990 to 1995, 5 (25%) affiliated from year 1996 to 2000, and only 1 (5%) affiliated
between 2001 to 2005. All of the respondents stated that they have joined the BPCU to
avail of the assistance like seminars and trainings. The respondents believed that through
the assistance of BPCU the performance of their cooperatives would improve.
Table 3. Distribution of cooperatives according to the year of affiliation to BPCU
PARTICULARS
FREQUENCY
PERCENTAGE
1990 – 1995
14
70
1996 – 2000
5
25
2001 - 2005
1
5
TOTAL
20
100
Participation to BPCU Activities
Table 4 shows the participation of the cooperatives to the activities of BPCU.
There were 17 (85%) respondents who answered that they had been actively participating
in the activities of the union while 3 (15%) said that they did not actively participate.
Among the cooperatives who did not participate, 2 of the respondents said that they did
not participate due to lack of time while 1 said that they did not participate due to lack of
funds to finance their registration.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
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Table 4. Distribution of respondents according to their participation to BPCU activities
PARTICIPATION
FREQUENCY
PERCENTAGE
a. Have Participate
Yes
17
85
No
3
15
Total
20
100
Reasons
Lack of time
2
67
Lack of funds
1
33
Total
3
100
Problems Encountered by the Cooperatives
Before Joining BPCU
In Table 5, the problems encountered by the cooperatives as identified by the
respondents were presented. The most common problem encountered by the cooperatives
was high delinquency rate. All of the respondents mentioned they had problems on
delinquent member-borrowers. Fifteen (75%) had problem on the growth of membership,
there was a low rate of increase while 5(25%) said that membership growth rate is not a
problem in their cooperatives because every year there were new members added.
Fourteen (70%) had a problem on the degree of patronage of members because majority
of the members were not patronizing their cooperative while 6 (30%) said that this was
not a problem in their cooperative because majority of the members were patronizing
their cooperatives. Forty (70%) met a problem with poor attendance of members during
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
12
meetings while 6 (30%) mentioned that attendance of members during meetings was not
a problem to them. Fifteen (75%) had a problem with members not adding to their share
capital while 5 (25%) said they did not meet this problem in their cooperatives. Fourteen
(70%) respondents stated that they had a problem regarding the savings deposit of
members because instead of depositing they were withdrawing their savings deposit from
the cooperative. On the other hand, 6 (30%) said that they did not have a problem in the
savings deposit of members. This result implies that majority of the cooperatives met
various problems before they became members and participated the activities of BPCU.
Table 5. Distribution of cooperatives according to problems encountered
PARTICULARS
PROBLEM
NOT A PROBLEM
F
%
F
%
Low membership rate
15
75
5
25
Low degree of patronage
14
70
6
30
High delinquency rate
20
100
_
_
Poor attendance to meetings
14
70
6
30
Low Increase in share capital
15
75
5
25
Savings deposit decreased
14
70
6
30
Perceived Effects of the Assistance from BPCU
Table 6a shows the changes in the situation of the cooperatives after they received
assistances from BPCU. Almost all the respondents said that there was an improvement
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
13
in the performance of their cooperatives. There were only 2 (10%) who said that there
was no change in their cooperatives. However, both said they were not able to attend any
activity of BPCU.
Table 6b shows the improvements in the performance of the cooperatives. All of
the respondents said that there was growth in their membership and delinquency rate
have decreased. Fifteen or (75%) of the respondents said that patronage have increased
while 5 (25%) said there was no change in the level of patronage of their members. As to
attendance to meetings by the members and officers, 17 (85%) said that the attendance to
meetings had improved while 3 (15%) said there was no change. Sixteen or 80% said that
paid-up share capital in their cooperatives have increased while 4 (20%) said that there
was no change. And 16 (80%) also said that the savings deposit have increased while 4
(20%) said there was no change in the savings deposit in their cooperatives. This finding
implies that the participation of the different primary cooperatives to the trainings and
seminars sponsored by the union have improved their performance.
Table 6a. Perceptions of the respondents as the contribution of BPCU
PPERCEPTION
FREQUENCY
PERCENTAGE
There was a change in the coop’s situation
18
90
There was no change in the coop’s situation
2
10
TOTAL
20
100
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
14
Table 6 b. Perceived effects of assistance provided by Benguet Provincial Cooperative
Union
PARTICULARS
CHANGED
DID NOT CHANGE
F
%
F
%
Increase in membership
20
100
_
_
Degree of patronage increased
15
75
5
25
Delinquency rate decreased
20
100
_
_
Attendance to meeting improved
17
85
3
15
Paid-up share capital increased
16
80
4
20
Savings deposit increased
14
70
6
30
Factors that Contributed to the Change
The factors considered by the respondents as reasons for the changes in the
situations of the cooperatives were presented in Table 7. The findings show that through
the trainings and seminars provided by the BPCU, 19 (95%) said that the members
understood the objectives of the cooperative. Thus, they became more active and
supportive, 18 (90%) said that more people came to know their cooperative and they
became members because they realized the important role of the cooperative in the
economy. One hundred percent claimed that members became aware of the importance of
paying their loans on time, resulting to decrease in delinquency rate. All of them also
claimed that the performance of their cooperatives improved because members became
aware of their duties and responsibilities and 16 (80%) said that the Board of Directors
were able to device better policies to increase their share capital and savings deposit.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
15
Fourteen (70%) said that their cooperative grew because members understood the
importance of saving their money in the cooperative.
Table 7. Distribution of respondents on the reasons of change in the situations
PARTICULAR
FREQUENCY PERCENTAGE
Understood the objectives of the cooperative.
19
95
Cooperative is made known to the people.
18
90
Members became aware of the importance
of paying their loans on time.
20
100
Members became aware of their duties and
responsibilities.
20
100
Members understood the importance of saving their
money in the cooperative.
14
70
BOD were able to device better policy.
16
80
Status of Operation
The findings shows that 18 (90%) of the cooperatives studied were currently
operating while 2 (10%) had stopped their operation. However, there were no
cooperatives dissolved or whose registration cancelled by CDA. According to the
respondents, their cooperatives stopped their operation due to the following reasons:
officers do not attend seminars and trainings, and their knowledge on cooperative
management is limited. Their knowledge on cooperative management was limited
because of their lack of training.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
16
This finding implies that the closed cooperatives can still be revived if proper
assistance will be accorded to them.
Table 8. Current status of the 20 cooperatives
PARTICULARS
FREQUENCY
PERCENTAGE
Operating
18
90
Non-operating
2
10
Cancelled
_
_
Dissolved
_
_
Total
20
100
Growth of the Cooperatives
The growth of the cooperatives was measured in terms of increases in their paid-
up share capital, total asset, net surplus, reserves, and number of members.
Paid-up share capital. Table 9 presents the growth of share capital from 2000 to
2004 among the different types of cooperative. In 2001 share capital of the
multipurpose-agriculture increased from 3,089,6835 to 3,984,424. Paid-up share capital
of the multipurpose non-agricultural type increased from 12,883,584 to 14,510,884 while
that of the credit type slightly increased from 12, 577,519 to 12,624,484. In 2002, share
capital of multipurpose agricultural type increased to 5,931,700. In the multipurpose non-
agricultural type, it increased to 15,791,504 and in the credit type, it increased to
3,428,968. In 2003, share capital of multipurpose agricultural type further increased to
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
17
6,719,594 however, for multipurpose non-agriculture type it decreased to 10,283,941. For
the credit type, it increased to 4,591,009. In year 2004, share capital of multipurpose
agriculture still increased to 7,148,719. There is a slight increase in share capital of
multipurpose non-agriculture type from 10,283,941 to 10,358,774. For Credit type it
increased again to 5,523,572.
Table 9. Amount of paid-up share capital of the cooperatives by type and by year
TYPE OF
2000
2001
2002
2003
2004
COOP.
MPC Agriculture 3,089,683
3,984,424
5,931,700
6,719,595
7,148,719
% increase
28.96
48.87
13.28
6.39
MPC Non-agric. 12,883,584 14,510,884 15,791,504 10,283,941 10,358,774
% increase
12.63
8.83
-34.88
0.73
Credit
2,577,519
2,624,488
3,428,968
4,591,009
5,523,572
% increase
1.82
30.65
33.89
20.31
Average
6,183,595
7,039,932
8,384,057
7,198,181
7,677,022
% increase
13.85
19.09
-14.14
6.65
Growth in Assets
Table 10 presents the trend of growth of assets of the different types of
cooperative. The entire cooperative studied exhibited a continuous increase in assets for
the past five years. For Multipurpose Cooperative, there is an increase of assets from
29,648, 891 to 35,405,597 in the years 2000 and 2001. It slightly increased to 37,693,434
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
18
in the year 2002. It increased again to 43,935,261 in the year 2003, and further increased
to 46,137,117 in the year 2004. For multipurpose non-agriculture type, asset increased
from 33,756,496 to 34,550,561 from the year 2000 to 2001. In the year 2002, it increased
to 37,708,931. It slightly increased to 38,293,292 in year 2003. In year the year 2004 it
increased to 41,826,964. The assets of the credit type increased from 4,161,172 to
4,899,360 in the year 2000-2001. In the year 2002, it increased to 5,978,650. in year
2003, there is a great increase from 5,978,650 to 10,333,969, and in year 2004, it further
increased to 13,601,186.
Table 10. Amount of total asset of the different types of cooperative by year
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
29,648,891 35,405,597 37,693,434
43,935,261
46,137,118
MPC Non-agri
33,756,496 34,550,561 37,708,931
38.293,292
41,826,961
Credit
4,161,172 4,899,360 5,978,650 10,333,969
13,601,189
Growth in Net Surplus
Table 11 presents the trend of growth of net surplus. For the multipurpose
agriculture type of cooperative, the average net surplus increased from P1.6 million pesos
in 2000 to about P1.8 million in 2001 and P2.1 million in 2002 but declined to P1.7
million in 2003. In 2004, it again increased to P2.9 million. For the multipurpose non-
agri, net surplus in 2000 was P1.5 million then increased to P1.7 million in 2001. In 2002
it declined to about P1.2 million but had a big jump in 2003 to P6.5 million. In 2004 it
again increased and reached P7.7 million. For the credit type, It was observed that there
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
19
was a continuous increase from 2000 to 2004. From an average net surplus of only
P435,099 in 2000, it increased to P1.4 million at the end of 2004. It was observed that in
general there was an increase in the level of net surplus of the cooperatives which
indicates a good performance in their operations. Since the net surplus was realized from
the members patronage, then it indicates a strong support and patronage by the members
of the different cooperatives.
Table 11. Amount of net surplus of the different types of cooperative by year
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
1,593,613 1,770,671 2,147,990
1,739,704
2,968,161
MPC Non-agri
1,556,770 1,758,055 1,196,119
6,524,140
7,708,627
Credit
435,099
527,749
755,561
1,316,180
1,453,959
Growth in the General Reserve Fund
Table 12 the amount of general reserve fund of the different types of cooperative
fro 2000 to 2004. It was can be seen from the table that the multipurpose agriculture
cooperative had the highest reserve fund among the three types of cooperative. There had
been a continuous increase in the general reserve funds of both the multipurpose
agriculture and the multipurpose non-agriculture while for the credit type there was a
decrease observed in 2001 and 2002. From a general reserve fund of P705,917 in 2000 in
became P122,281 only in 2002. However, it increased to P1,1 million in 2004.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
20
Table 12. Amount of general reserve fund of the different types of cooperative by year
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
2,314,555
2,704,999 3,307,050 3,152,798 2,400,620
MPC Non-agri
931,665
1,026,424 1,283,937 1,488,932 1,820,034
Credit
705,917
603,733
122,281
847,404
1,122,527
Number of Members
Table 13 presents the number of members in the different types of cooperative for
the past five years. For the multipurpose agriculture type, there were 1,332 members in
2000 and increased to 2,702 in 2001theneincreased to 2,763 members in 2002. However,
in 2003 the number of members decreased to 2,681 and further decrease in 2004 to 2,677.
For the multipurpose non-agriculture type, there was a continuous increase in the number
of members from 637 to 778 in years 2000 to 2001and in year 2004 it became 865. For
the credit type, the number of members in year 2000 was 445 and slightly increased to
453 in 2001. It decreased to 414 in 2002 then further declined to 339 in 2003. However, it
increased to 453 in 2004.
Table 13. Number of members in the different types of cooperative from 2000 to 2004
TYPE OF COOP.
2000
2001
2002
2003
2004
MPC Agri
1,332
2,702
2,763
2,681
2,677
MPC Non-agri
637
688
778
716
865
Credit
445
453
414
389
453
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
21
Trainings and Seminars Provided by BPCU
to its Affiliates
The trainings and seminars conducted by the BPCU to the affiliated primary
cooperatives are presented in Table 14. Eighteen or 90% of the respondents said that
PMES was attended by their members while 10% said otherwise. All of the respondents
claimed that training on bookkeeping and accounting and seminar on cooperative
orientation were participated in by their members. Fifteen or 75% claimed that Basic
Cooperative Education seminar was conducted in their cooperative while 5 (25%) said
otherwise. All of the respondents also said that training on policy formulation, project
proposal preparation, and seminar on parliamentary procedures was attended by their
members.
Table 14. Training and seminars Provided by the BPCU
PARTICULARS
YES
NO
F
%
F
%
Pre-membership education seminar
18
90
2
10
Bookkeeping and accounting
20
100
_
_
Cooperative orientation and management
20
100
_
_
Basic cooperative education
15
75
5
25
Policy formulation
20
100
_
_
Project proposal formulation
20
100
_
_
Parliamentary procedures
20
100
_
_
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
22
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary
The study was conducted in 20 randomly selected primary cooperatives affiliated
to Benguet Provincial Cooperative Union. The respondents were officers from the
different cooperatives.
Most of the cooperatives were registered from 1990 to 1995. Almost all of them
were operating in the barangay level. Majority of the cooperatives were multipurpose
agricultural type and very few were credit and multipurpose non-agriculture. Most of the
cooperative started with initial members of less than twenty and were affiliated between
1990 to 1995. The cooperatives joined BPCU membership because they believed that
their cooperative would benefit from the seminars and trainings that the union was
conducting. Majority of the cooperatives had been actively participating in the activities
of BPCU. However, it is sad to note that some of the cooperatives were not able to
participate in the seminars and trainings and other activities conducted by BPCU due to
lack of time on the part of the members and lack of funds on the part of the cooperative to
finance the registrations of the members to participate.
Through the assistance of the Benguet Provincial Cooperative Union in the
seminars and trainings they have been conducting, the objectives of the cooperatives
became clear to many members. Besides more people came to known about cooperative
and they were convinced with the principles and philosophy of cooperative thus more of
them became members in the different cooperatives. Other positive effects of the
trainings and seminars given by PBCU was that, members became aware of their duties
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
23
and responsibilities and became more responsible members, and the BODs were able to
device and implement better policies that contributed to the growth of majority of the
cooperatives, as perceived by the respondents.
There was growth in the total asset, total paid-up share capital, general reserve
fund, and the total members in the different cooperatives as reflected in their financial
and annual reports.
Conclusions
Based on the findings, the following conclusions were made:
1. Most of the cooperatives exhibited a continuous, however slow, growth.
2. All the cooperatives encountered a problem on delinquent borrowers.
3. Most of the respondents claimed that through the assistance from the Benguet
Provincial Cooperative Union the performance of the cooperatives has improved.
4. The BPCU have been conducting different seminars and training.
Recommendation
1. As evidenced by the growth in the financial status of the affiliated cooperatives and
the claims of the respondents, other primary cooperatives who are not yet members of
the Benguet Provincial Cooperative Union should also join the union so that they
would also receive the same benefits derived by the members.
2. To enable members of the primary cooperatives to participate in seminars and trainings
to be conducted by the BPCU or other institutions, the primary cooperatives should
allocate 10% of their net surplus to CETF and remit half of the amount to the union
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
24
so that the union would have enough funds to conduct trainings and seminars. The
other half should be used by the cooperative to finance the participation of their
members to trainings and seminars.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
25
LITERATURE CITED
COOPERATIVE DEVELOPMENT AUTHORITY (CDA). 1990. The Cooperative Code
of the Philippines (R.A. 6939). Quezon City, Philippines. Pp.52 – 54.
FAJARDO, F.R. and F.P. ABELLA. 1999. Cooperatives. Fourth ed. Quezon City: Rex
Printing Company, Inc.. P. 129.
REYES, G.B. 1998. Management of Agricultural Cooperatives in Region IV Philippine
Cooperative Preview. Technical Journal of the Cooperative Movement, Vol. 2.
No. 2. UPLB, Philippines. Pp. 52-56.
RIMAS, G.S. 1990. Cooperative principles and practices. A lecture notes for PMES. Pp.
25-26.
TIGLAO, C.G. 2003. Factors affecting the growth of primary cooperatives in selected
municipalities of La Union. BS Thesis. Benguet State University, La Trinidad,
Benguet. P.1.
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
26
APPENDIX
Appendix A. Survey Questionnaire
I. Cooperative Profile
Name of Cooperative:
Date registered:
Area of operation: (please check)
( ) Barangay
( ) Municipality
( ) Provincial
Type of cooperative: (please check)
( ) consumer
( ) credit
( ) service ( ) marketing
( ) MPC Agri
( ) MPC non-agri
Initial number of Members __________ Current number of members_______
Year affiliated to BPCU ____________
Status: ( ) operating ( ) non-operating ( ) cancelled registration ( ) dissolved
II. Other information
1. Have you been actively participating in the activities of BPCU? ( ) yes
( ) no
If yes, were these helpful to your cooperative and how?
If no, why?
2. What problems did you encounter in your cooperative before you join BPCU?
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
27
( ) low membership growth rate
( ) degree of patronage is decreasing
( ) high delinquency rate
( ) poor attendance to meetings
( ) low increase in share capital
( ) savings deposit decreased
( ) other (specify)
3. After your members attended seminars conducted by BPCU did the situation change?
( ) yes
( ) no
If no, why?
If yes, what were the changes?
( ) increase in membership growth rate
( ) degree of patronage is increased
( ) delinquency rate decreased
( ) attendance to meetings improved
( ) paid-up share capital increased
( ) savings deposit increased
( ) other (specify)
III. Type of Assistance Given by BPCU
1. What type of assistance did you get from being a member of BPCU?
2. Is the assistance you received enough? ( ) yes ( ) no
3. Do you think the activities of BPCU helpful to your cooperative? ( ) yes ( ) no
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
28
IV. Financial Status
Please provide the data on the following for the last five years of your operation
Year
Share
Total Asset
No. of
Net Surplus Gen. Res.
Capital
members
Fund
An Assessment of the of the Primary Cooperatives Affiliated to the Benguet Provincial
Cooperative Union / Stephanie C. Binay-An. 2006
Document Outline
- An Assessment of the of thePrimary Cooperatives Affiliated to the Benguet Provincial Cooperative Union
- BIBLIOGRAPHY
- ABSTRACT
- TABLE OF CONTENTS
- INTRODUCTION
- Rationale of the Study
- Statement of the Problem
- Objectives of the Study
- Importance of the Study
- Scope and Delimitation of the Study
- METHODOLOGY
- REVIEW OF LITERATURE
- Development of Cooperatives
- Factors of Success
- Cooperative Unions
- RESULTS AND DISCUSSION
- Profile of the Primary Cooperatives Studied
- Date of Affiliation to BPCU
- Participation to BPCU Activities
- Problems Encountered by the CooperativesBefore Joining BPCU
- Perceived Effects of the Assistance from BPCU
- Factors that Contributed to the Change
- Status of Operation
- Growth of the Cooperatives
- Growth in Assets
- Growth in Net Surplus
- Growth in the General Reserve Fund
- Number of Members
- Trainings and Seminars Provided by BPCUto its Affiliates
- SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
- Summary
- Conclusions
- Recommendation
- LITERATURE CITED
- APPENDIX