BIBLIOGRAPHY CAYAT, MARIFE A. APRIL 2010....
BIBLIOGRAPHY
CAYAT, MARIFE A. APRIL 2010. Social Impact of Taba-ao Cuba Multipurpose
Cooperative at Taba-ao, Kapangan, Benguet. Benguet State University, La Trinidad,
Benguet.
Adviser: Luke E. Cuangey, BS
ABSTRACT
This study was conducted to assess the social impact of Taba-ao-Cuba
Multipurpose Cooperative, determine the services/programs that contribute to the
improvement of social status of the members of the cooperative, determine the social
contribution of the cooperative, determine the social contribution to the cooperative to the
social improvements of the members, and to determine the social impact of the
cooperative to the community.
This study was conducted Decembers 2009 to January 2010. The respondents
were some officers, 50 registered members of the cooperative and 10 from the non-
members.
The programs/activities implemented by the cooperative were general assembly
meeting, which was mostly attended by the members followed by the training and
seminars. These activities contributed a lot to the improvement of the social status of the
members such that most of them developed self-confidence and self-reliance and had
improved their knowledge about cooperative.
TABLE OF CONTENTS
Page
Bibliography………………………………………………………………………
i
Abstract …………………………………………………………………………...
i
Table of Contents …………………………………………………………………
ii
INTRODUCTION
Rationale of the study ……………………………………………………... 1
Importance of the Study ……………………………………………………
3
Statement of the Problem …………………………………………………..
3
Objectives of the Study …………………………………………………….
3
REVIEW OF LITERATURE
Cooperativism Defined …………………………………………………….
5
Objectives of the Cooperative ……………………………………………...
5
Purpose of Cooperatives …………………………………………………... 6
Significance of Cooperative
a World Crisis ……………………………………………………………... 7
The Impact of Cooperatives in
Development ………………………………………………………………. 9
Causes of Failure of Credit
Cooperatives ………………………………………………………………..
9
METHODOLOGY
Locale and Time of the Study ……………………………………………...
10
Respondents of the Study …………………………………………………..
10
Data Collection …………………………………………………………….
10
ii
Data Gathered ……………………………………………………………...
10
Data Analysis ………………………………………………………………
10
RESULTS AND DISCUSSION
Respondents Profile ……………………………………..............................
11
Sources of Income ………………………………………………………….
13
Number of Years as a Member
as an Officer, and as a Residence …………………………………………..
14
Purpose in Joining the Cooperative ………………………………………..
15
Cooperative Services Availed
by members ………………………………………………………………...
16
Purpose in Availing Loans …………………………………………………
17
Reasons in Patronizing the Services ……………………………………….
18
Extent of implementation of the
Cooperative Services ………………………………………………………. 18
Factors Affecting the Services
of the Cooperative ………………………………………………………….
19
Recommendations for the Improvement
of the Services ……………………………………………………………...
19
Social Impact of the Cooperative
to Members ………………………………………………………………...
21
SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary …………………………………………………………………...
25
Conclusions ………………………………………………………………...
26
Recommendations ……………………………………………………….....
26
LITERATURE CITED …………………………………………………………...
27
iii
APPENDIX
A Survey Questionnaire
for members ……………………………………………………………. 28
B Survey Questionnaire
for the Community ……………………………………………………...
32
C Survey Questionnaire
for the Officers ………………………………………………………….
35
iv
INTRODUCTION
Rationale
In July 1971, Mr. Romualdo Talata of the Benguet Cooperative Development
Services (BECODES) introduced cooperative in Taba-ao,Kapangan. BECODES was
private volunteer organization, which helped in the promotion, organization and
development of cooperatives in Benguet. It provides education and training to members
and officers for free. It was supported mostly by Asia foundation Mr. Talata met with
Taba-ao Barrio Council headed by Mr. Toriano Oway and twelve other persons including
Mr. Benito Garcia,the principal of Taba-ao Elementary School. Mr. Garcia allowed the
use of the School’s Home Economic room as temporary office of the young cooperative.
These persons were convinced that cooperative would promote self-reliance, savings and
unity. They conducted a pre-membership seminar on August 1971. On September 1,
1971, with 51 initial members they organized the cooperative and name it as TABA-AO-
CUBA CREDIT UNION (TACU-CCU).
After attending three months seminar on cooperative in Mindanao in 1972, Mr.
Ebes and Mrs. Syria Mapanao campaigned for more members in the cooperative and at
the same time helped established their cooperatives in Kapangan, Benguet. These
cooperatives were overtaken by Samahang Nayon during the administration of President
Ferdinand Marcos. Not losing hope, the officers and members doubled their efforts to
reach the targeted membership of 250 in order to register with the Bureau of Agricultural
Cooperative development (BCOD) and with the Department of Local Government
(DLG). On September 20, 1973, the cooperative was officially registered with BCOD
and latter was confirmed by the cooperative Development Authority on September 11,
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1991.
After a share capital campaign in 1975, the operating capital increased so the
cooperative branched out a consumer store with a merger capital to start with it only sold
basic commodities in a small space at the house of Mr. Oway which he offered for free.
In 1981 the cooperatives purchased a lot and constructed its own building, a two
storey building. To finance the building construction, members agreed to plow back their
patronage refund and dividends. The first floor of the building housed the consumers
section while the second floor housed the credit services. In 1989, they expanded the
building to address the growing number of members because they opened the
membership to barangay Bokloan, a neighboring barangay.
In 1991 the cooperative reached a million assets. It has earned the trust of people
and it became their depositing bank in 1993. Its building was expanded to accommodate
the growing number of members. Membership also expanded to nearby barangays like
Cuba and Bokloan. On May 17, 1994, the cooperative was registered with the
Cooperative Development Authority and was named TABA-AO-CUBA MULTI-
PURPOSE COOPERATIVE (TACU-CUBA).
The Northern Luzon Federation of Cooperatives and Development Center
(NORLU-CEDEC) had been assisting the cooperative on credit management and auditing
services that helped build up the confidence of the member in the cooperatives. In spite of
the presence of Rural Bank in the municipality, membership increased and total asset of
the cooperative increased also. It also became one of the pilot cooperative in the province
of Benguet for project assistance under the Cooperative Development Authority-Japan
International Cooperation Agency (CDA-JICA) technical cooperation. In this project the
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better living, farm guidance, Cooperative Management, and Marketing and Purchasing
were introduced as additional services of the cooperative. This Project started in July
2000 and was terminated in June 2005. The project is towards poverty alleviation and it
aimed to improve the income of the farmers.
TACU-CUBA MPC, among other recipients of the project, was the only
cooperative that succeeded in implementing this project.
Importance of the Study
The result of the study would help provide relevant information to members of the
cooperative and encourage them to become socially and responsible to the community
where they belongs.
The outcome of this study would serve as a reference for future researchers
Statement of the Problem
This research will seek to answer the following question:
1. What are the services/programs that contribute to the improvement of social
status of the members of the cooperative?
2. What are the social contributions of the cooperative to the social improvement
of members?
3. What are the social impacts of the cooperative to the community?
Objectives of the Study
The objectives of the study were to:
1. To determine the services/programs that contributes to the social improvements
of social status of the members of the cooperative.
2. To determine the social contribution of the cooperative to the social
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improvements of the members.
3. To determine the social impact of the cooperative to its members and the
community.
.
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REVIEW OF LITERATURE
Cooperativism Defined
The word cooperative is derived from the French word “cooperari”. The word
“co” means combined with “operari” (to work from eyes,operas,work). Cooperative
delineates the concept of working together.
Garcia and Guanzon (2004) as cited by Zamora (2006) defined cooperative as a
form of business that is useful and helpful to people regardless of where they live or how
they earn their living. Besides a cooperative seeks to realize the economic benefits for
members from services and develop best uses of member’s resources.
A cooperative is an autonomous and duly registered association of person, with a
common bond of interest, who have voluntarily joined together to achieve their social,
economic and cultural needs and aspirations, making equitable contributions to the
capital required, patronizing their products and services and accepting a fair share of risks
and benefits of undertaking in accordance with universally accepted cooperative
principles (Cooperative code of the Philippines Art.3 RA.9520).
Objectives of the Cooperatives
From the Cooperative code of the Philippines Art. 7 of Republic act 9520 states
that the primary objectives of every cooperative are to help improve the quality of life of
its members. Towards this end, the cooperative shall aim to (a) Provide goods and
services to its members, to enable them to attain increased income, savings, investments,
productivity, purchasing powers, and promote among themselves equitable distribution of
net surplus through maximum utilization of economics of scale, cost-sharing and risk-
sharing; (b) Provide optimum social and economic benefits to its members;(c) Teach
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them efficient ways of doing things in a cooperative manner; (d) Propagate cooperative
practices and new ideas in business and management; (e) allow the lower income and less
privileged groups to increase their ownership in the wealth of the nations; and (f)
cooperative with the government, other cooperatives and people-oriented organizations to
further the attainment of any of the foregoing objectives.
Purpose of cooperative
From the new cooperative code under article 6 of RA. 9520 states that a
cooperative may be organized and registered for any of the following purposes: (a) to
encourage thrift and savings mobilization among the members. (b) To generate funds and
extend credit to the members for productive and provident purposes: (c) To encourage
among members systematic production and marketing; (d) to provide goods and services
and other requirements to the members; (e) To develop expertise and skills among its
members; (f) to acquire lands and provide housing benefits for the members; (g) to insure
against losses of the members; (h) to promote and advance the economic, social and
educational status of the members; (I) to established, own, lease or operate cooperative
banks, cooperative wholesale and retail complexes, insurance and agricultural/industrial
processing enterprises, and public markets; (j) to coordinate and facilitate the activities of
the cooperative; (k)to ensure the viability of cooperative through the utilization of new
technologies; (L) to encourage and promote self-help or self-employment as an engine for
economic growth and poverty alleviation; and (m) to undertake any and all other
activities for the effective and efficient implementation of the provision of this code.
As to standard definition "Social impact assessment includes the processes of
analyzing, monitoring and managing the intended and unintended social consequences,
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both positive and negative, of planned interventions (policies, programs, plans, projects)
and any social change processes invoked by those interventions. Its primary purpose is to
bring about a more sustainable and equitable biophysical and human environment."
Aralar (2003), as cited by Angligen (2009) a cooperative provide maximum
economic benefits to its members, teach them to efficient ways of doing thing and
patronage cooperatives practices and new ideas in business and management and allows
the low income groups to increase their ownership in wealth of nation.
Fajardo and Fabian as cited by Quintos (2008) mentioned that economic growth
and development have been a goal is for improved quality of life of every Filipino
through international competitiveness and people improvement through cooperative. A
cooperative is a business and social organization that exposes the spirit of self-help and
working together in pursuit of social and economic ends.
Community development through the cooperative is a way for people to work
together in order to build better community and thereby improve the welfare of all. They
organized themselves under this free will and work as a team to solve problems of their
community. The cooperatives teach members to practice wise use of money to belt self-
reliant. It likewise teaches members how to save, encourages members to prosper through
their own cooperative efforts and acquire incomes. Farmer’s negative attitudes values can
be change through continues training and education by the cooperative.
Significance of Cooperatives a World Crisis
Cooperatives, as economic enterprises and as self-help organizations, play a
meaningful role in uplifting the socio-economic conditions of their members and their
local communities. Over the years, cooperative enterprises have successfully operated
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locally-owned people-centered businesses while also serving as catalysts for social
organization and cohesion. With their concern for their members and communities, they
represent a model of economic enterprise that places high regard for democratic and
human values and respect for the environment. As the world today faces unstable
financial systems, increased insecurity of food supply, growing inequality worldwide,
rapid climate change and increased environmental degradation, it is increasingly
compelling to consider the model of economic enterprise that cooperatives offer. The
cooperative sector, especially in developing countries, also presents itself as an important
element that can contribute to the realization of the Millennium Development Goals
(MDGs) by 2015.
The current financial crisis characterized by the massive public bail-out of private,
investor-owned banks worldwide has underlined the virtues of a customer-owned
cooperative banking system. Cooperative banks in the form of credit unions, building
societies and cooperative banks, by focusing primarily on the needs of their members,
have displayed prudence and avoided the excessive risk-taking that plagued many large
global financial institutions. As cooperatives banks continue to operate and provide loans
to their clients and enjoy the trust and confidence of their members and depositors, they
play an even more critical role as consumers and businesses face a credit crunch. There
are some 49,000 credit unions serving 177 million members in 96 countries, under the
umbrella of the World Council of Credit Unions that continue to operate despite the
currentfinancial crisis. Even the larger cooperatives banks, such as Rabobank which is the
largest agricultural bank in the world continue to demonstrate the value of the
cooperative banking model. (Anonymous 2009).
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The impact of cooperatives in development
Cooperatives, organized as business enterprises for the benefit of their
members, offer a model of enterprise that is particularly relevant in difficult
economic times and instances of market failures. As a self-help group, a cooperative
organization is widely accessible, especially for the impoverished and the
marginalized. Where private enterprise or government is weak, particularly in
remote rural areas, cooperatives enable local people to organize and improve their
conditions. Cooperatives promote and support entrepreneurial development, creating
productive employment, raising incomes and helping to reduce poverty while
enhancing social inclusion, social protection and community-building. Thus, while
they directly benefit their members, they also offer positive externalities for the rest
of society and have a transformational impact on the economy.
Causes of Failure of Credit Cooperatives
According to Taganas as cited by Toyog, (2009) the failures of cooperatives are
often due to the failure of member borrowers to pay their loan in the delinquency of
members in paying the loans. The failure of farmers to pay their loans on time according
to Taganas was because the money was diverted to nonfarm activities such as food, house
repair, education and recreation. Some loans were used to settle other accounts from
supplier of farm inputs.
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METHODOLOGY
Locale and Time of the Study
This study was conducted in Taba-ao, Kapangan, Benguet where TACU-MPC is
located. The survey was conducted December to January 2010.
Respondents of the Study
The respondents of the study were the members, officers of the cooperative to be
and community people chosen through simple random sampling.
Data Collection
A survey questionnaire was used in gathering required information.
Data to be Gathered
The data gathered from the respondents were their profile, services/programs that
contribute to the social improvements of social status of the members of the cooperative
and the social impact of the cooperative to the community.
Data Analysis
The data collected were analyzed based on the objectives. Data were tabulated and
analyzed using frequency counts, percentages and other appropriate statistical tools.
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RESULTS AND DISCUSSION
Respondents’ Profile
The personal profile of the respondents is presented in Table 1. The profile
included their age, civil status, and educational attainment.
Age. Most (27.14%) of the respondents were between the age of 41-50 years of
age followed by the age bracket of 31-40 years old with 22.86%. The age bracket of 21-
30 years old was next with 15.71% while the age bracket of 51-60 years old with 14.29%.
The least in number of age bracket were 61-70 and 71-80 years old with 10% each
respectively. The findings shows that majority of respondents were of middle age.
Sex. Majority (64.29%) of the respondents were female and only 35.71% were
male. According to the female respondents, their husbands do not have time to attend the
cooperative activities because they are always pre-occupied with farm activities and other
businesses, thus they delegated to their wives the membership to the cooperative.
Civil Status. Majorities (64.28%) of the respondents were married, 22.86% were
single and 12.86% were already widowed. This indicates that majority of them have
families to support.
Educational Attainment. The finding shows that all the respondents had formal
education. Majority (47.14%) of them were able to reached elementary level of education.
34.29% had a secondary level and 10% pursued to a college degree. There were 8.57%
who were able to reach the vocational course.
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Table 1. Profile of the respondents
PARTICULARS
FREQUENCY
PERCENTAGE
Age
71-80
7
10.00
61-70
7
10.00
51-60
10
14.29
41-50
19
27.14
31-40
16
22.86
21-30
11
15.71
TOTAL
70
100.00
Sex
Male
25
35.71
Female
45
64.29
TOTAL
70
100.00
Civil status
Single
16
22.86
Married
45
64.28
Widow/widower
9
12.86
TOTAL
70
100.00
Educational attainment
College
7
10.00
Secondary
24
34.29
Elementary
33
47.14
Vocational
6
8.57
TOTAL
70
100.00
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Sources of Income of the Respondents
Table 2 shows that the sources of income of the respondents were from
agricultural production especially vegetable production and animal raising, salaries as
government employees, wages as skilled laborers and from business.
Most (40%) get their income directly from vegetable production followed by
24.29% get their income from being skilled laborers. There were 15.71% who get their
income from business operation and 8.57% of the respondents receives monthly salary
from the government. This implies that majority of the respondents are engaged in
agricultural production.
Number of years as a Member
as an Officer and
as an Residence
Table 3 shows the number of years the respondents were member in the
cooperative, number of years the officer sat in the position and number of years as
residence in the area for the community respondents.
Number of years as a member. Most (40%) of the respondents were 11-15 years
as a member, 32% for 6-10 years, 16% for 1-5 years, 8% for 16-20 years and the least in
line were 21-30 years and 31-40 years with 2% each respectively. The result shows that
most of the respondents have been a member for 15 years and below and few were
members for more than 15 years.
Number of years as an officer. Most (40%) of the officers sat in their position for
six (6) years, 20% were able to complete 3 years term. 20% of the officers has been an
officer for 8 years due to their good standing and performance and 20% also are new sets
of officer to rule in the cooperative.
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Number of years of residence in the area. Ten (10) respondents were selected
from the community people who had been participating with some activities of the
cooperative. There are five (5) respondents had been staying in the area with in 21-30
years and had been witnessing the activities in the area for 11-20 years , one (1)
respondent stayed with in 31-40 years and (1) stayed for more than 41 years in the
locality.
Table 2. Sources of income of the respondents
PARTICULARS
FREQUENCY
PERCENTAGE
Vegetable Farming
28
40.00
Wages as skilled laborer
17
24.29
Animal Raising
11
15.71
Business 8 11.57
Employment/work
6
8.57
TOTAL
70
100.00
Table 3. Number of years as a member, as an officer, and residence
PARTICULARS
FREQUENCY
PERCENTAGE
As a member
1-5
8
16.00
6-10
16
32.00
11-15
20
40.00
16-20
4
8.00
21-30
1
2.00
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Table 3 continued …
PARTICULARS
FREQUENCY
PERCENTAGE
31-40
1
2.00
TOTAL
50
100.00
As an officer
1
2
20.00
3
2
20.00
6
4
40.00
8
2
20.00
TOTAL
10
100.00
As a resident
11-20
3
30.00
21-30
5
50.00
31-40
1
10.00
41 and above
1
10.00
TOTAL
10
100.00
Purpose in Joining the Cooperative
Table 4 shows the purpose of the respondents in joining the cooperative. Most
(80.00%) of them indicated their purpose as to avail loan and patronage refund following
is the purpose to take part in the cooperative activities with 54.00%. Next in order is the
purpose to benefit from the activities/services and programs with 50.00% and the least is
the purpose to have additional knowledge about the cooperative with 20.00%. The
finding implies that the main purpose of the respondents is to avail loan and patronage
refund, to take part in the cooperative activities and to benefit from the services and learn
from it.
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Cooperative Services Availed by Members
Table 5 shows the services offered by the cooperative which were availed by the
respondents. Such services are as follows; Credit services which was mostly(91.67%)
availed, and followed by 66.67% who availed the consumer services. The finding shows
that the cooperative was a multipurpose one offering credit, consumer and savings and
time deposit services.
Table 4. Purpose in joining the cooperative
PARTICULARS
FREQUENCY PERCENTAGE
To avail loan and patronage refund
40
80.00
To take part in the cooperative activities
27
54.00
To benefit the cooperative services
25
50.00
To have additional knowledge about cooperative 10
20.00
*multiple responses
Table 5. Cooperative services availed by members
PARTICULARS
FREQUENCY
PERCENTAGE
Credit services
55
91.67
Consumer services
40
66.67
Savings and time deposit
5
8.33
*multiple responses
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Purpose in Availing Loans
Table 6 shows the purpose of the respondents in availing loans from the
cooperative. Their purposes are as follows; for vegetable production which was indicated
by 58.33% of the respondents followed by 48.33% who indicated their purpose as tuition
of their children. 36.67% stated their purpose as for business capital and placement fee
for OFW applicants with 30.00% each. Other purposes are to purchase basic commodities
and to build house as stated by 28.33% each by the respondents, animal raising and
hospitalization as stated by 25.00% each and the least percentage 15.00% was to
purchase a lot. The finding shows that every loan availed were mostly productive and
provident purposes, which should be so that the borrowers would be able to repay their
loans on its due date to avoid penalties.
Table 6. Purpose in availing loans
PARTICULARS
FREQUENCY*
PERCENTAGE
Vegetable production
35
58.33
Tuition fee of children
29
48.33
House improvement
22
36.67
For business capital
18
30.00
Placement fee of OFW applicant
18
30.00
To build house
17
28.33
Use to purchase basic commodities
17
28.33
Animal raising
15
25.00
Hospitalization
15
25.00
To purchase lot
9
15.00
*multiple choices
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Reasons in Patronizing the Services
Table 7 shows the reasons of the respondents in patronizing the services of the
cooperative. Majority (58.33%) indicated their reasons as to maintain membership
following is the reason to have patronage refund with 53.33% and the reason to help
build the cooperative with 51.67%. This implies that maintenance of membership is the
main reason in patronizing the services of the cooperative rather than to help build the
cooperative.
Extent of Implementation of the Cooperatives Services
Table 8 shows the extent of implementation of the credit services, patronage
refund availment.
Credit service implementation. Majority (80%) of the members pointed out that
the credit service is fully implemented while (20%) indicated that the service is
moderately implemented. This implies that the cooperative was able to satisfy/provide
fully the immediately credit needs of the members.
Patronage availment. Majority (60%) fully availed their patronage refund while
(40%) moderately availed. Instead of getting their patronage refund they had it added to
their share capital.
Table 7. Reasons in patronizing the services
PARTICULARS
FREQUENCY
PERCENTAGE
To maintain membership
35
58.33
To have patronage refund
32
53.33
To help Build the cooperative
31
51.67
*multiple responses
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Table 8. Extent of implementation of the cooperative services
PARTICULARS
FREQUENCY
PERCENTAGE
Credit services
Fully implemented
40
80.00
Moderately implemented
10
20.00
TOTAL
50
100.00
Patronage refund
Fully availed
30
60.00
Moderately availed
20
40.00
TOTAL
50
100.00
Factors Affecting the Services of the Cooperative
Table 9 shows the factor affecting the services of the cooperative. Majority
(62.00%) of the respondents indicated that the loans according to fix deposit as the
primary factor of full and moderate implementation of the services. This means that the
highest the fix deposits of member the higher also will the loan obtained. This followed
by 58.00% of the respondents who pointed our at low interest. Other factors are fast
release of loans with 50.00%, high patronage refund with 26.00%,less requirement with
10.00% and no collateral on loans with 6.00%. the finding implies that the full and
moderate implementation of the services relied on the factors enumerated in the
following tables.
Recommendations for the Improvement of the Services
Table 10 shows the recommendations of the respondents for the further
improvement of the services of the cooperative. Majority (84.00%) of the respondents
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recommended the further improvement of loan delinquency control, repayment
consciousness. Following is the recommendation to improved capital build up (74.00%)
and the loan purposes should be properly monitored and expansion of membership with
62.00% each.
Table 9. Factors affecting the services of the cooperative
PARTICULARS
FREQUENCY
PERCENTAGE
Factors
Loans according to fix deposit
31
62.00
Low interest
29
58.00
Fats release
25
50.00
High patronage refund
13
26.00
Less requirement
5
10.00
No collateral on loans
3
6.00
*multiple responses
Table 10. Recommendations for the improvement of the services
PARTICULARS
FREQUENCY
PERCENTAGE
Improve loan delinquency control,
repayment consciousness 42 84.00
Improve capital build-up
37
74.00
Help expand membership
31
62.00
Monitoring of loan purposes
31
62.00
*multiple purposes
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Social impact of the Cooperative to the Members
Table 11 shows the social activities/programs being offered by the cooperative, its
contribution to the personal development of the respondents and their situation before and
after they joined the cooperative. The result shows that the activities contributed a lot to
the social status of the members.
Social activities/programs. The social activities are as follows; general assembly
meeting, training and seminar, clean up drive, Christmas program and tree planting. Most
(95.00%) of the respondents attended the annual general assembly, 63.00% of the
respondents attended training and seminar, 40.00% attended Christmas program, 22.00%
attended clean up drive and 17.00% attended tree planting.
Contribution to personal development. Most (81.67%) of the respondents had
developed their self-confidence and self-reliance followed by 76.67% of the respondents
whose knowledge about the cooperative improved. 60.00% had improved their skills in
livelihood activities while 31.67% had more acquaintances/camaraderie/belongingness
and 25.00% had improved their managerial capabilities. This shows that greater
percentage of the respondents were able to improve their personalities through the
activities imposed by the cooperative.
Participation to cooperative activities. This shows how the respondents improve
socially due to the influence of the activities/programs conducted by the cooperative.
Under these activities they improved their social status from higher percentage (75%) of
lower participation before to 76.67% and 23.03% which was moderately improved. This
implies that at least there’s an improvement in the social status of the respondents.
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Table 11. Social impact of the cooperative to members
PARTICULARS
FREQUENCY
PERCENTAGE
Social activities/programs
General assembly meeting
57
95.00
Training and seminar
38
63.00
Christmas program
24
40.00
Clean up drive
13
22.00
Tree planting 10 17.00
Contribution to personal development
Develop self-confidence and
self-reliance 49 81.67
Improved knowledge about
cooperative 46 76.67
Improved skills in livelihood
activities 36 60.00
More acquaintances/camaraderie/
belongingness 19 31.67
Improved managerial capabilities 15 25.00
Participation to cooperative activities Before After
Low participation 45 75.00
Moderate participation 15 25.00 46 76.67
High participation 14 23.33
TOTAL 60 100.00 60 100.00
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Impact of the Cooperative to the Community
Table 12 shows the social impact of the activities conducted by the cooperative
which were attended by some of the non members, its contribution to the personal
development of the non members and participation to community activities.
Social activities/programs. The social activities offered by the cooperative to non-
members are as follows; Christmas program, clean up drive and tree planting. All
(100.00%) of the respondents attended the Christmas which was open to the community,
(50%) attended the clean up drive and 40.00% attended the tree planting.
Contribution to personal development. All (100%) of the respondents had
improved unity and oneness among the community people, followed by the improvement
of participation to the different activities of the community and more
acquaintances/camaraderie/ belongingness with 80.00% each respectively. This shows
that even simple activities/ occasions can contribute a lot to the personality of everybody
depending on how they deal with it.
Participation to community activities. Most of the respondents improved their
participation to community activities from 58.33% which was moderately improved to
66.66%. this implies that at least there’s an improvement in the social status of the
members.
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Table 12. Impact of the cooperative to the non-members
PARTICULARS
FREQUENCY
PERCENTAGE
Social activities/programs
Christmas program 10 100.00
Clean up drive 5 50.00
Tree planting 5 50.00
Contribution to personal development
Improvement of participation to the 8
25.00
different activities of the community
More acquaintances/camaraderie/ 8
25.00
belongingness
Unity and oneness among the
10
31.25
Community people
Participation to community activities Before After
Low participation 25 41.67 10 16.37
Moderate participation 35 58.33 45 66.66
High participation 10 16.67
TOTAL 60 100.00 60 100.00
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SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
Summary
This study was conducted to asses the social impact of Taba-ao Cuba
Multipurpose Cooperative, determine the services/programs that contribute to the social
improvements of social status of the members of the cooperative, determine the social
contribution of the cooperative to the social improvements of the members, and to
determine the social impact of the cooperative to the community.
This study was conducted December 2009 to January 2010 with 60 registered
members of Taba-ao Cuba Multipurpose Cooperative and ten (10) ordinary citizens in the
community as respondents. It was found out that majority of the members were female,
mostly married, with ages ranging 41-50 years old. Most of them had finished elementary
and majority of them were engaged in vegetable farming and some were skilled laborers.
Most of them were members in the cooperative (11-15) years and below. Most of the
officers also had six (6) years being an officer and the most of the community
respondents had resided in the area for almost 30 years.
The programs/activities implemented by the cooperative were general assembly
meeting, which was mostly attended by the members followed by the trainings and
seminars. These activities contributed a lot to the improvement of the social status of the
members such that most of them developed self-confidence and self-reliance and had
improved their knowledge about cooperative.
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Conclusions
Based on the findings of the study, the following conclusions were derived;
1. Majority of the respondents were able to improve their social status with the
activities/programs conducted by the cooperative. With its services the respondents were
able to develop their self-confidence and self-reliance and had improved their knowledge
about the cooperative.
2. Majority of the respondents are females, mostly married with age ranging 41-
50 years old, finished elementary level, some pursued to a college degree and engaged in
agricultural production.
3. Majority of the community respondents stated that they were able to joined the
social activities of the cooperative that improved their social status such as Christmas
programs, more acquaintances/camaraderie/belongingness, unity and oneness among the
community people and self –confidence empowerment.
Recommendations
1. The cooperative should maintain and continue conducting the social
services/programs in order to gain the support of the members and the community people.
2. Cooperation should be observed by each members and officers in order to for
the cooperative to optimize its growth and improvement.
Social Impact of Taba-ao Cuba Multipurpose Cooperative
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LITERATURE CITED
ANONYMOUS, 2008. Republic Act No. 9520 Phillipine Cooperative Code of 2008.
P. 2.
ANONYMOUS, 2009. Significance of Cooperatives. Retrieved:October 13,2009 from
http:// www.un.org./esa/socdec/cooperatives/documents/survey/background
ANGLIGEN, J. S. (2009) Members perceived benefits from the services of the Tubao,
Credit Cooperative.BS, Thesis.Benguet State University, La Trinidad, Benguet. Pp. 5-6.
QUINTOS, J (2008) Documentation of the carnation and marketing of Mountain Bloom
Multi-purpose Cooperative of England, Paoay, Atok Benguet BS.Thesis.Benguet
State University Pp. 4, 6, 7.
TOYOG, K, G. Credit operation of La Trinidad vegetable trading post multi-purpose
cooperative.BS.Thesis.Benguet State University,La Trinidad, Benguet.P. 6.
ZAMORA, A. C. (2006) An assessment on the Credit operation of San
Jacinto,PAngasinan.BS.Thesis.Benguet State University, La Trinidad,Benguet. P. 5.
Social Impact of Taba-ao Cuba Multipurpose Cooperative
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Survey Questionnaire
(For the Members)
Respondent No.: ____________
Date: _____________________
I. Profile of Respondents
Name of Respondent: ____________________________
Age: _______
Gender: _____Male _____Female
Civil Status: _____________
Educational Attainment: (please check)
_____ Pre-elementary
_____ Elementary
_____ High School
_____ College
Number of years in Cooperative Membership: (please check)
_____ 1 – 5 years
_____ 6 – 10 years
_____ 11 – 15 years
_____ 16 – 20 years
Purpose in joining the Cooperative: (please check)
_____ To avail loan and patronage refund.
_____ To take part in the Cooperative activities.
_____ To benefit from the Cooperative’s services.
_____ Others, specify: ___________________________________
Sources of Income: (please check)
_____ Vegetable Farming
_____ Animal Raising
_____ Employment / Work
_____ Wages as skilled workers / laborers
_____ Business
_____ Others, specify: ___________________________________
II. Cooperative Services Availed by Members
1. What are the Cooperative Services / Programs that you availed?
_____ Savings and Time Deposits
_____ Credit Services
_____ Consumers Services
_____ Others, specify: __________________________________
2. What are your purposes in availing loan services?
_____ Vegetable Production
_____ Animal Raising
_____ For business Capital
_____ To build house
_____ To purchase lot
_____ Tuition fee of children
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_____ House Improvement
_____ Hospitalization
_____ Placement fee of OFW Applicants
_____ Used to purchase basic commodities
_____ Others, specify: ___________________________________
3. Do you patronize the services of the Cooperative?
_____ Yes
_____ No
4. If yes, what services / benefits did you avail? Rank from the most availed
to least availed. (please check)
1 – Most availed
5 – Least availed
Frequency
Loans
Patronage Refund
Others, specify
1-3
3-4
4-5
5. What are your reasons in patronizing the Cooperative?
_____ To maintain membership
_____ To have patronage refund
_____ To help build the cooperative
_____ Others, specify: ___________________________________
6. Did the services you availed improve your social condition?
_____ Yes
_____ No
7. If yes, how did it improve your social condition?
_____ Develop self-confidence
_____ Improved skills in livelihood activities
_____ Improved managerial capabilities
_____ Improved knowledge about cooperative
_____ More acquaintance / camaraderie / belongingness
_____ Others, specify: ________________________________
8. If not, why?
_____ Loan is not enough for capital
_____ Loan was not used for intended purpose
_____ Unexpected emergency circumstances
_____ Natural Calamities
_____ Others, specify: _________________________________
9. Total Amount borrowed since Membership: ______________________
III. Extent of Implementation of Cooperative Service
1. In your assessment, what is the extent of implementation of the service of
the Cooperative? (please check)
Particulars
Credit
Fully implemented
Moderately Implemented
Fairly Implemented
Poorly Implemented
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2. In your assessment, what are the extent of patronage / availment of the
service of the cooperative?
Particulars
Credit
Fully implemented
Moderately Implemented
Fairly Implemented
Poorly Implemented
3. What do you think are the facilitating factors to the moderate of full
implementation, patronage / availment of the Cooperative service?
_____ Low Interest
_____ No collateral on loans
_____ Fast Process
_____ Loans according to fix deposits and credit standing
_____ High patronage refund / interest on capital
_____ Others, specify: _________________________________
4. I your opinion, what are the factors for the fair or poor implementation,
availment and patronage of the cooperative service?
_____ Low and slow capital build up
_____ High loan delinquency / low repayment rate
_____ Others, specify: _________________________________
5. What are your recommendations to improve the services of the
cooperative?
_____ Improve capital build-up of members
_____ Improve loan delinquency control, repayment
_____ Expand membership
_____ Monitoring of loan purposes
_____ Others, specify: _________________________________
IV. Social impact of Cooperatives to members
VARIABLES
BEFORE AFTER
1. Social
Participation to cooperative activities
Participation to community activities
Others, specify
Others, specify
Scale: 1- Low participation/improvement
2- Moderate participation/improvement
3- High participation/improvement
A. Social
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1. What are the social activities / programs offered by the Cooperative to
you as members? (please check)
_____ General Assembly
_____ Training and Seminar
_____ Christmas Program
_____ Clean-up Drive
_____ Tree Planting
_____ Others, specify: ________________________________
2. Do you consider these activities contributory in improving your social
attitude?
_____ Yes
_____ No
3. If yes, what activities / programs contribute most? (please check)
_____ General Assembly
_____ Training and Seminar
_____ Christmas Program
_____ Clean-up Drive
_____ Tree Planting
_____ Others, specify: ________________________________
4. How did it improve your social attitude? (please check)
_____ Develop self-confidence
_____ Improved skills in livelihood activities
_____ Improved managerial capabilities
_____ Improved knowledge about cooperative
_____ More acquaintance / camaraderie / belongingness
_____ Others, specify: ________________________________
IV.Social impact of the cooperatives to community
What are the contributions of Cooperative to the community? (please
check)
_____ Road Improvement
_____ Cemented Pathways
_____ Construction of bridges
_____ Clean and Green Environment
_____ Others, specify: _________________________________
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Survey Questionnaire
(For the Community People)
Respondent No.: ____________
Date: _____________________
I. Respondents Profile
Name of Respondent: _______________________
Age: _______
Gender: _______Male _______Female
Civil Status: _____________
Year Organized: ___________________________________
Position in Barangay: (please check)
_____ Barangay Chairman
_____ Barangay Councilman
_____ Barangay Tanod
_____ Lupon
_____ Barangay Secretary
_____ Barangay Treasurer
_____ Others, specify: ___________________________
Educational Attainment: (please check)
_____ Pre - elementary
_____ Elementary
_____ High School
_____ College
Number of years of residence in the Area: (please check)
_____ 1 – 5 years
_____ 5 – 10 years
_____ 10 – 15 years
_____ 15 – 20 years
_____ 20 – 25 years
_____ 25 – 30 years
_____ 30 and above
II. Services availed by members
1. What do you think are the Cooperative services availed by its members?
(please check)
_____ Savings and Time Deposit
_____ Credit Service
_____ Consumer Service
_____ Others, specify: _________________________
2. What do you think are the purposes/reasons of the members in availing
such services? (please check)
_____ Vegetable Production
_____ Animal Raising
_____ For business capital
_____ To build house
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_____ To purchase a lot
_____ Tuition fee of children
_____ House Improvement/renovation
_____ Hospitalization
_____ To have patronage refund
_____ Placement fee of OFW applicants
_____ Used to purchase basic commodities
_____ Others, specify: ____________________________
3. Do you think, the service/s availed are used to its intended purposes?
(please check)
_____ Yes
_____ No
4. If yes, how can you rate? (please check)
_____ 25%
_____ 50%
_____ 75%
_____ 100%
_____ Others, specify: _____________________________
5. If no, what are other purposes of the members in availing such services?
(please check)
_____ Used to purchase appliances
_____ Used to travel in different islands in the Philippines
_____ Political purposes
_____ Others, specify: ____________________________
6. Do you think the service availed by members contributed to improve their
social condition? (please check)
_____ Yes
_____ No
7. If yes, how did it improve their socio-economic condition? (please check)
_____ Developed their self-confidence
_____ Improved skills of people
_____ Improved managerial capabilities of the officers
_____ Improved knowledge about cooperative
_____ More acquaintances / camaraderie / belongingness
_____ Others, specify: ____________________________
8. If not, why? (please check)
_____ Unexpected emergency capital
_____ Loan is not enough capital
_____ Loan was not used for intended purposes
_____ Natural calamities
_____ Others, specify: ____________________________
9. What are your recommendations to improve the service of the
cooperative? (please check)
_____ Join the cooperative
_____ Take part in its activities
_____ Be a partner in implementing its projects
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_____ Act as a coordinator with funding agencies
_____ Build a linkage
_____ Others, specify: ____________________________
III. Social impact of the cooperative
A. Social
1. What are the social activities / programs of the cooperative that are held in
the community? (please check)
_____ General Assembly
_____ Training and Seminar
_____ Christmas Programs
_____ Clean-up Drive
_____ Tree planting
_____ Others, specify: ______________________________
2. What social activities are mostly participated by people? (please check)
_____ General Assembly
_____ Training and Seminar
_____ Christmas Programs
_____ Clean-up Drive
_____ Tree planting
_____ Others, specify: ______________________________
3. Do you think these activities and benefits offered by the cooperative
contributory to the improvement of the social capabilities of the members
based on your observation? (please check)
_____ Yes
_____ No
4. What is the improvement you observed among the members since they
join the cooperative? (please check)
_____ Developed their self-confidence
_____ Improved skills of people
_____ Improved managerial capabilities of the officers
_____ Improved knowledge about cooperative
_____ More acquaintances / camaraderie / belongingness
_____ Others, specify: ____________________________
5. In your observation, what are the contributions of the cooperative in the
community?
_____ Road Improvement
_____ Cemented Pathways
_____ Construction of Bridges
_____ Maintenance of clean and green community
_____ others, specify: __________________________
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Survey Questionnaire
(For the Cooperative Officers / Staffs)
Respondent No.: ____________
Date: _____________________
I. Respondents Profile
Name of Respondent: _______________________
Age: _______
Gender: _______Male _______Female
Civil Status: _____________
Year Organized: ___________________________________
Position in Cooperative: (please check)
_____ Board of Directors
_____ Committee Member
_____ General Manager
_____ Secretary
_____ Treasurer
_____ Bookkeeper
_____ Sales Clerk
_____ Posting Clerk
_____ Others, specify: ___________________________
Number of years as an officer / staff in the Cooperative: (please check)
_____ 1 year
_____ 2 years
_____ 3 years
_____ 6 years
_____ 8 years
_____ 10 years
II. Services availed by members
1. What Cooperative Services availed by members? (please check)
_____ Savings and Time Deposit
_____ Credit Service
_____ Consumer Service
_____ Others, specify: ______________________________
2. What purposes / reasons most indicated by members in availing such
services? (please check)
_____ Vegetable Production
_____ Animal Raising
_____ For business Capital
_____ To build house
_____ To purchase lot
_____ Tuition fee of children
_____ House Improvement / Renovation
_____ Hospitalization
_____ Placement fee of OFW Applicants
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_____ Used to purchase basic commodities
_____ Others, specify: _________________________________
3. Do you think the services mostly availed by members contributed to
improve their social condition? (please check)
_____ Yes
_____ No
4. If yes, how did it improve their social condition? (please check)
_____ Developed their self-confidence
_____ Improved skills of people
_____ Improved managerial capabilities of the officers
_____ Improved knowledge about cooperative
_____ More acquaintances / camaraderie / belongingness
_____ Others, specify: ___________________________
5. If not, why? (please check)
_____ Unexpected emergency circumstances
_____ Loan is not enough capital
_____ Loan was not used for intended purposes
_____ Natural Calamities
_____ Others, specify: ________________________________
III. Extent of Implementation of Cooperative Services
1. In your assessment, what is the extent of implementation of the service of
the Cooperative? (please check)
Particulars
Credit
Fully implemented
Moderately Implemented
Fairly Implemented
Poorly Implemented
2. In your assessment, what is the extent of patronage / availment of the
service of the Cooperative?
Particulars
Credit
Fully implemented
Moderately Implemented
Fairly Implemented
Poorly Implemented
3. What do you think are facilitating factors to the moderate or full
implementation, availment and patronage of the services?
_____ Low interest, no collateral on loans
_____ Fast process, not stringent loan procedure
_____ Loans according to fix deposits and credit standing
_____ High patronage refund / interest on capital
_____ Others, specify: _____________________________
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4. In your opinion, what are the factors for the fair or poor implementation,
availment and patronage of the Cooperative services?
_____ Low and slow capital build up
_____ High loan delinquency / low repayment rate
_____ Presence of private creditors
_____ Others, specify: _________________________________
5. What are your recommendations to improve the services of the
cooperative?
_____ Improve capital build-up of members
_____ Improve loan delinquency control, repayment
_____ Encourage members to engage in business
_____ Expand membership
_____ Monitoring of loan purposes
_____ Others, specify: _________________________________
IV. Social impact of Cooperative\\
A. Social
1. What are the social activities / programs of the Cooperative?
_____ General Assembly
_____ Training and Seminar
_____ Christmas Program
_____ Clean-up Drive
_____ Tree Planting
_____ Others, specify: ________________________________
2. What social activities most participated by members?
_____ General Assembly
_____ Training and Seminar
_____ Christmas Program
_____ Clean-up Drive
_____ Tree Planting
_____ Others, specify: ________________________________
3. Are these activities and benefits offered by the Cooperative
contributory to the improvement of the social capabilities of the
members based on your observation?
_____ Yes
_____ No
4. What are the improvements you observed among your members since
they joined the Cooperative?
_____ Develop self-confidence
_____ Improved skills in livelihood activities
_____ Improved managerial capabilities
_____ Gained knowledge about cooperative
_____ More acquaintance / camaraderie / belongingness
_____ Others, specify: _________________________________
Social Impact of Taba-ao Cuba Multipurpose Cooperative
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Document Outline
- Social Impact of Taba-ao Cuba MultipurposeCooperative at Taba-ao, Kapangan, Benguet
- BIBLIOGRAPHY
- ABSTRACT
- TABLE OF CONTENTS
- INTRODUCTION
- Rationale
- Importance of the Study
- Statement of the Problem
- Objectives of the Study
- REVIEW OF LITERATURE
- Cooperativism Defined
- Objectives of the Cooperatives
- Purpose of cooperative
- Significance of Cooperatives a World Crisis
- The impact of cooperatives in development
- Causes of Failure of Credit Cooperatives
- METHODOLOGY
- RESULTS AND DISCUSSION
- Respondents� Profile
- Sources of Income of the Respondents
- Number of years as a Memberas an Officer andas an Residence
- Purpose in Joining the Cooperative
- Cooperative Services Availed by Members
- Purpose in Availing Loans
- Reasons in Patronizing the Services
- Extent of Implementation of the Cooperatives Services
- Factors Affecting the Services of the Cooperative
- Recommendations for the Improvement of the Services
- Social impact of the Cooperative to the Members
- Impact of the Cooperative to the Community
- SUMMARY, CONCLUSIONS AND RECOMMENDATIONS
- Summary
- Conclusions
- Recommendations
- LITERATURE CITED