Welcome to your annual window on the work of 2016-2017 the Canadian Co-operative Association and the Co-operative Development Foundation of Canada ANNUAL REPORT to reduce global poverty through co-operative action. 02 202,400 299 756 11 CCA & CDF 2016-2017 ANNUAL REPORT INDIVIDUALS REACHED CO-OPS COMMUNITIES COUNTRIES BUILDING A GLOBAL CO-OPERATIVE COMMUNITY

It’s not news to the millions of members of co-op Cooperative Federation Development Center in the enterprises who experience the benefits of Philippines are leading an exciting new project in co-operation in their daily lives that co-operatives Myanmar. We are the first Canadian agency being and credit unions are an effective model of supported by a new multilateral donor agency—the sustainable, people-driven community development Livelihoods and Food Security Trust Fund (LIFT)—to in Canada and around the world. This year we enable Myanmar farmers to access more and better shared compelling evidence of this truth with the to improve their livelihoods. In N Patrice Pratt, Government of Canada, in response to its long Tanzania, Ethiopia, and Malawi, we are engaging CCA President awaited International Assistance Review. Our staff of current and former partners Response Paper tells how communities around from across Africa to implement a new project the world are employing the co-operative model— funded by the International Fund for Agricultural as they’ve done in Canada—to move themselves Development (IFAD). This project will combine successfully out of poverty. It goes further, outlining Canadian technical expertise with the cultural the many ways co-operatives are working to achieve sensitivity and practical experience of African credit the 17 Sustainable Development Goals (SDGs) that union leaders to improve rural financial outreach in are laid out in the United Nations 2030 Agenda for those three countries. Sustainable Development. Continuing and expanding good development This year we helped 202,400 credit union and means improving effectiveness and exploring co-operative members and small business owners avenues for financial growth. This year, as part of around the world to increase household incomes our fundraising initiatives, we added a new online by providing access to financial services, improving platform, Global Giving, and sharpened our focus agricultural yields, and improving business on attracting corporate philanthropy and foundation N Cheryl Byrne, practices. Volunteer engagement, a hallmark of grants. We are reaching out to diaspora communities CDF Chair our international development work, contributed in Canada with strong ties to the countries where significantly to these outcomes. Here at home, we work to help us share the Canadian co-operative ten credit unions in four provinces readily shared experience in their home countries. In addition, we their time and experience by mentoring women are amalgamating our two organizations (CCA and leaders from credit unions in Africa and Asia CDF) to more effectively reflect the desire and through our Women’s Mentorship Program. Twelve commitment of Canadians to bring co-operative young Canadians took up six-month internships solutions to more communities around the world. supporting co-operative growth and development in South Africa, Malawi, Kenya, Rwanda, In 2017, the Co-operative Development Uganda, and Mongolia. Fifty-two co-operative Foundation of Canada (CDF) celebrates leaders volunteered to share their knowledge seventy years of service in the development of with credit unions and co-operatives in various co-operatives worldwide to end global poverty. short-term assignments across twelve countries, Thanks to your support and the talent and including Canada. dedication of our team of partners, employees and volunteers, we continue to make a difference in N Michael Casey, CCA/CDF We are leveraging our past successes to implement the lives of people around the world by building a Executive Director new projects. Two managers from VICTO National truly global co-operative community. 03 CCA & CDF 2016-2017 ANNUAL REPORT

OUR APPROACH

CCA and CDF engage people to take control of co-operatives democratically, to achieve economies their own development and to collaborate at a of scale that lower costs and grow their income. community level to improve both social and economic We support and strengthen co-op federations to conditions. We work with local partner organizations provide services to member co-operatives and work to help smallholder farmers, traders and producers with governments to enact co-op-friendly laws and establish and strengthen co-operative and credit regulations. Through CCA and CDF, Canada’s credit union enterprises that can provide needed goods unions and co-operatives share their time, knowledge and services they cannot access or develop on and financial resources to establish co-operatives their own. Members work together to manage their that build a better world.

TO LEARN ABOUT OUR IMPACT AROUND THE GLOBE VISIT:

CDFCANADA.COOP COOPSCANADA & .COOP

N Women’s Mentorship Program participants (L to R) Flordeliz Bokingkito, Madhu Rayamajhi and Maria Corazon Echano Vispo listen to Esther Kafui Akumani during classroom sessions in Ottawa. 04 CCA & CDF 2016-2017 ANNUAL REPORT IT TAKES A TEAM

Financial donors, volunteers, program participants and country partners are all part of the CCA and CDF team approach to establishing successful co-operatives around the world.

Let’s meet a few of the people who helped make this year’s Women’s Mentorship Program possible.

N The Women’s Mentorship Program Class of 2016.

THE WOMEN’S MENTORSHIP PROGRAM PARTICIPANT “The Women’s Mentorship Program taught me skills to face business challenges that I normally would have run from, to find solutions and to be a reliable leader. I am clinging to those teachings and practices.”

—Ann Mbaabu, Branch Manager, Stima Sacco Society Ltd.

THE OVERSEAS PARTNER “There can be no question about the significance of this program. It has benefitted us immensely in terms of expanding the managerial horizon of our women savings and credit co-operative managers.”

—Sylvester Kadzola, CEO, Malawi Union of Savings and Credit Co-operatives 05 CCA & CDF 2016-2017 ANNUAL REPORT

THE VOLUNTEER “The CCA Women’s Mentorship Program is an eye-opening experience, working with amazing women that inspire you with their strength, fearlessness and sheer will. It is very rewarding to see the continued impact of the program and experience firsthand how the program has led to women becoming more efficient and effective in their roles leading to increased respect and inclusion in the decision-making process. The biggest impact has been in their communities where they are giving back through volunteering, taking up leadership roles on local community boards to be more impactful and mentoring women in their community. The program has led to life-long relationships with their Canadian mentors as well as paying it forward through mentoring younger women to aspire to become credit union leaders in the future.”

—Njeri (Jeri) Kontulahti, Manager Community Investment, Community Investment Division,

THE INSTITUTIONAL DONOR “Since 2002 has been an enthusiastic supporter of the Women’s Mentorship Program. I truly believe that through this exchange of cultures, ideas and shared business concerns, my team and our mentees have become more valuable co-operators.”

—Launi Skinner, CEO, First West Credit Union

THE INDIVIDUAL DONOR “We all wear many hats, several of mine made supporting CDF’s women’s mentorship program an obvious and immediate “yes.” As the Social Responsibility Lead for the Credit Union National Young Leaders Committee, partnering with CDF has been a natural fit. As a Human Resources professional, I also understand the importance and power of mentorship programs. And, as a woman, I can’t help but appreciate a program that promotes gender equality and enables women. Thank you CDF for using the co-operative model to be a positive impact in our world.”

—Pam Hillis, Human Resources Advisor, Kindred Credit Union 06 12 52 1,562 $794,445 CCA & CDF 2016-2017 ANNUAL REPORT COUNTRIES VOLUNTEERS VOLUNTEER DAYS IN-KIND VALUE THANK YOU CCA AND CDF VOLUNTEERS

Volunteers were active in most of CCA’s projects this year. Whether it was short-term, long term or e-volunteering, the willingness of volunteers to be global citizens and share their knowledge, best practices and experience contributed to our vision of a global co-operative community. Thanks also to the many Canadians who volunteered their time hosting international delegations and conducting public engagement activities.

52CANADIANS IN TWELVE COUNTRIES

N Jayne Taylor (left), Vice-President, Member Experience and Business Management at Prospera Credit Union in BC mentors VOLUNTEERED OVERSEAS Women’s Mentorship Program participant Obenewaa Yeboah, Terry Ackerman, Colombia Leo LeBlanc, Peru Branch Manager of Ramseyer Co-operative Credit Union in Linda Archer, Uganda Shaheen Lotun, Uganda Ghana. Pilar Arjona, Colombia Ian MacArthur, Rwanda Betty Bauhuis, Malawi & Rwanda Bev Maxim, Peru Jayne Bergeron, Mongolia George Maxim, Peru Kiley Best, Indonesia Emily McCance, Uganda Samara Bhimji, Rwanda Garth Melle, Malawi Sheelagh Byrne, Indonesia & Terry Narine, Philippines Mongolia Desirae Reinprecht, Colombia Roméo Cormier, Peru Estefania Rueda-Torres, Colombia Cyr Couturier, Indonesia Mark Santos, Indonesia Jessica D., Malawi Rebecca Sivel, Rwanda Elisabeth Geller, Uganda Bryan Tudor, Mongolia Murray Hidlebaugh, Ghana Lauren Weber, Rwanda Scott Hughes, Malawi Andrea Westcott-Lacoursière, Dan Ish, Ukraine Rwanda Emily Kocsis, Peru Candace Westman, Uganda Njeri Kontulahti, Kenya MacKenzie Young, Indonesia Florence Larkin, Ghana 07 CCA & CDF 2016-2017 ANNUAL REPORT

N CCA volunteer Dan Ish (R), speaks with members and staff of Zernovyi grain co-operative in Ukraine during his mission to advise on co-operative legislation.

HOST CREDIT UNIONS VOLUNTEERED IN CANADA FOR THE WOMEN’S Betty Bauhuis MENTORSHIP PROGRAM Jayne Bergeron Sheelagh Byrne Connect First Credit Union Kiley Best Cypress Credit Union Carey Bonnell Encompass Credit Union Bill Chislett Interior Savings Patrick Clark Cyr Couturier Prospera Credit Union Fanni Csaba Catherine Dangerfield Westoba Credit Union Norm Davidson Vancity Credit Union Ed Durnford N CCA intern Lauren Weber (L) and Erin Hancock CCA gender officer Marthe Uwizera (R) listen as Felix Nzamursmbaho presents INTERNATIONAL YOUTH Njeri Kontulahti photos he took of improvements at Kokar INTERNSHIP PROGRAM Stefanie Kotschwar Co-operative in Muhanga, Rwanda since PARTICIPANTS Wesley Ngwenya the CCA/CDF project began. Samara Bhimji, Rwanda Chima Okonkwo Tyler Boyce, Kenya Anthony Okuchi Rita Cheung, Malawi Lida Perez Shannon Davis, Malawi Sarah Pervez Pierre John Felcenloben, Kenya Darryl Reed Shelvin Mairura, Kenya Mark Santos Paige Munro, Kenya Laurie Smith Madeleine Pinard, Kenya Candace Westman Ken Umali, Mongolia MacKenzie Young Lauren Weber, Rwanda Candace Westman, Uganda Theresa Yuill, Uganda 08 CCA & CDF 2016-2017 ANNUAL REPORT THANK YOU GENEROUS SUPPORTERS

The CCA and CDF board, staff, volunteers and most importantly, our partners and co-operators around the world wish to thank you for your generous support. The organizations and individuals listed here have made a conscious choice to build a global co-operative community. Their investment in our work enables smallholder farmers, traders and producers to join together and take control of their social and economic lives, provide economic and social value to their families and become economic generators for their communities—for the present and into the future—and all based on co-operative values and principles.

- CORPORATE -

$100,000+

$50,000+

$20,000+

Affi nity Credit Union Conexus Credit Union Everlink Payment Services Inc. Atlantic Central The Co-operators Servus Credit Union Central 1 Credit Union The CUMIS Group Limited 09 CCA & CDF 2016-2017 ANNUAL REPORT

$5,000+

A&T Dauphinee Fund Credential Financial Inc. Council for International Credit Union Central of Manitoba Cooperation Arctic Co-operatives Limited CUDO FirstOntario Credit Union Cambrian Credit Union GROWMARK, Inc. SunRise Credit Union Celero Solutions Synergy Credit Union Collabria Financial Services Inc. 1 Anonymous Donor

$500+

Accent Credit Union Eagle River Credit Union Council for Andres Consulting East Kootenay Community Credit International Cooperation Aon Benfield Canada Union Saskatoon City Employees Credit Biggar & District Credit Union Foam Lake Credit Union Limited Union Canadian Credit Union Kerrobert Credit Union Limited SaskCentral Association Lafleche Credit Union Ltd. Sherwood Co-operative Cape Breton Credit Union Macklin Credit Union Association Carpathia Credit Union Munich Reinsurance Company of Strategic Charitable Giving Catalyst Credit Union Canada Foundation Central Alberta Co-op Limited National Young Leaders Strathclair Credit Union CGI Committee Swan Valley Credit Union Ltd. Cheticamp Co-operative Ltd Niverville Credit Union The Diebold Company of Canada Co-operatives and Mutuals North Valley Credit Union Ltd Canada Noventis Credit Union Unity Credit Union Cornerstone Credit Union Ontario Co-operative Association Vanguard Credit Union Crocus Credit Union Pierceland Credit Union Weyburn Credit Union Crossroads Credit Union Portage Credit Union Windsor Family Credit Union Diamond North Credit Union Prairie Centre Credit Union Ltd. Police Credit Union Dodsland and District Credit Rosenort Credit Union Union 10 CCA & CDF 2016-2017 ANNUAL REPORT

- INDIVIDUALS (monthly donors in bold) -

Michele Aasgard Kathleen Casey John-Paul Ellson Mildred Harper Rick Achter Andrew Caudwell Brian Enns Preston Hartwig Donald Ahrens Dinah Ceplis Carol Evoy Doug Hastings Doug Alexander Jodi Chambers Marilyn Fahlman François Hastir Sharon Alexanian Claude Chapdelaine Amanda Fenton Claude Haw Sharon Alford Harold E. Chapman Jo-Anne Ferguson Harvey Heavin Ryan Anderson Jonathan Chew Andrea Fernandes Ginette & Paul Hebert Dana Antonovitch Deb Chobotuk Leiha Fiddler Lois Herback Linda Archer Karin Christoph Isobel Findlay Garth Herman Shannon Arnold Judy Clavier Len Findlay Cheryl Hewitt Katharine Auslander Marjorie Clegg Ingrid Fischer Karen Higgins Donna Bailey Leona Clifford John Fogarty Pam Hillis Scott Banda Brian Coburn Ernest Fraser George Hofsink Craig Barclay Gillian Cockwell Kevin Freedman Karen Howatson Sandra Baskerville Nathaniel Cole Patrick & Joanne Andrew Hrywnak Beryl Bauer William Collins Freeman Laird Hunter Roger Beauchemin Andre Comte Eli Froese-Germain Paul Innes Julie Beckett Kathleen Conway Steve Gandour Johnny Jackson Bryce Belt Bruce Corbett Chuck Gartner Linda Jacob Donna Bertram Roméo & Alma Cormier Claude Gauthier Jeannette Jalbest Brenda Bielik Don Crosby Gerry Gauvin Laurie James Rick Billett Kevin Cutting Terry Geib Cliff & Mavis James Melvin Birmingham Don Dalicandro Russell & Colleen Getz Dave Jastrubecke Dominique Biron- Catherine Dangerfield Maureen Gillespie Ken Jenner Bordeleau Paul Dangerfield Ellen Goddard Janice Johnson June Blau Tim Dauphinee Lesia Gojan Klein Baldur Johnson Robin Blythe Meagan De Montarnal Barry & Terry Gosnell Dan Johnson Stephen Bolton Bertrand De Rocquigny Vera Goussaert George and Arlene Wendy Bradley Barry Delaney Edwin Grad Joyce Julie Breuer Brendan Denovan Randy Graham Wayne Kabatoff Josh Bromley David Dern Janet Grantham Maggie Keith Randy Brown Jon Dessau Cameron Gray Paul Kelly Anna Brown Dennis Deters Marc Grenier Jill Kelly Donna Bruce Daryl Devos Wilson Griffiths Tal Kenet Tom Bryk Melvin Doiron Zachary Gross Gerald Kessler Tara Burke Kenneth Doleman Don Hagman Alexis Kienlen John Bye Bruno Dragani Heather Hale Jeannie Kilgour Sheelagh Byrne Peter Driftmier Nathalia Hall Katharine Kingdon Cheryl Byrne Patricia Duffield Mark Hamel Diane Kitching Peter Cameron Fiona Duguid William Hamilton William Knight Herb Carlson Elain Duvall Vanessa Hammond Claudette Kohut Larry Carnegie Kevin Eccles Erin Hancock Ken Kolstad Celine Carriere Robert Effa Wilfred Harder Marty Komsa Michael Casey Vanessa Elliott Ken Harpelle Megan Kotecha 11 CCA & CDF 2016-2017 ANNUAL REPORT

Harvey Kowalchuk Gina McGinn Jodi Proctor Heather Staffa Bruce Krantz Emmet McGrath Peggy Prowse Sheldon Stener Elissa Kranzler Catherine McIsaac Katherine Raiken Gerald Sundwall Gene Krepakevich Marilyn McKee Tamra Rapsky Stella Swertz Wendy Krip Wanda McLeod Darryl Reed Alanna Swinemar Audra Krueger Wayne McLeod Krista Reid Laurie Tennian Ernst Kuechmeister Marie McNabb Andrea Renaud Larry Terhorst David Lach Pieter McNair Paul Reniers Camille Theriault Réjean Laflamme Chris Mendes Audrey Reynolds Wayne Thrasher Normand Lafrenière Norm Meyers Terri Rice Karen Timoshuk Don Landry Graham Mickleborough Gary Richardson Doce Tomic Douglas Lang Joan Miller Collette Robertson Norma Tomiczek Catherine Lang Heidi Miller Willy Robinson Marc Topola Richard Lange Cynthia Mitchell Gonzalo Rodriguez Stephane Trottier Diane Lanthier John Monroe Diane Rogers Bryan Tudor Julie LaPalme Sean Moore Gary Rogers Frances and Scott William Lee Bill Moorehead Julie Ros Tuffnell Adrian Legin Francoise Morrissette Mary Jean Roxas Bill Turnbull Richard Lemoing Lorna Jean Munro John Rudyk William Turner Jocelyn Lessard Lindsay Naish Ray & Marj Ryland Ian Twidale Gordon Lightfoot Gwen Nell John Sandborn Blaire Ulrich Marisa Liut Bruce Neville Robert Saunders Jeannie Van Dyk Bill Longstaff Sonja Nielsen Jennifer Saunders- Wayne Van Luwen James Lowe Keith Nixon Finlay Jocelyn VanKoughnet Frank Lowery Jan O’Brien Bill Schroeder Vijaya Venkatesh- Sheena Lucas Steffen Olsen Brad Schultz Mannar Dawn Maalerud Lyle Olson Vito Scuderi Abe Versteeg Doug Macdonald Andy Orosz Owen Sebastian Karen Vogel Clinton MacDonald Rita Parikh David Shanks Donald Walker Erin Mackie Trish Paton Dean Shareski Carissa Wall Patricia Magowan Constance Paus Garth Sheane Garth Warner Grant Maguire Valerie Pearson Carole Shindell Dorothy Watson Roger Maloney Andre Perras Linda Siefert Rod Watson John Mangone Suzanne Peters Russell Siemens Harvey Wedgewood Cathy Manson Roger Petry Eve Sigfrid Graham Wetter Jennifer Marlowe Lydia Phillips Maureen Singleton Jennifer Williams Brett Matthews Tasha Pierre Dave Sitaram Alexandra Wilson Bev Maxim Marc-Andre Pigeon Harvey Skea Michael Wodzicki Lisa Mazurkewich Peter Podovinikoff Launi Skinner Russell Wolf Jan McClelland Kimberly Pollock Bob Smith Dannie Wreford Catherine McCreary Douglas Potentier Alisdair Smith Bill Wynn Stephen McDermott Carla Pouteau Reg Sonnenberg Denise Yeager Elizabeth McElroy Dale Pouteau Maynard Sonntag Donald Zeghers Ken McFarland Patrice Pratt Mark Sparrow 13 Anonymous Donors 12 CCA & CDF 2016-2017 ANNUAL REPORT

SUMMARIZED BALANCE SHEET FINANCIALS AS AT MARCH 31, 2017

Supporting Organizations: $ 2017 $ 2016 • Government of Canada (through Global Affairs ASSETS Canada) • Co-operative Development Foundation of Canada Current assets • International Fund for Agricultural Development Cash & cash 2,293,277 2,705,253 • Livelihoods and Food Security Trust Fund equivalents (managed by United Nations Office for Accounts receivable 581,075 553,609 Project Services) Project advances and 533,977 625,759 • Irish League of Credit Unions (ILCU) Foundation prepaid expenses 3,408,329 3,884,621 Investments 1,815,945 2,290,040 Capital assets 121,844 146,640 5,346,118 6,321,301 LIABILITIES Current liabilities Accounts payable 284,968 302,494 and accrued liabilities Deferred revenues 3,661,991 4,274,713 3,946,959 4,577,207 NET ASSETS Unappropriated — (239,417) surplus Internally restricted 421,856 1,027,029 reserves Externally restricted 977,303 956,482 reserves TOTAL NET ASSETS 1,399,159 1,744,094 5,346,118 6,321,301

N Sari sari store owner Merle Yboa tracks her inventory. CCA is helping owners of these iconic convenience stores in typhoon- stricken parts of the Philippines to grow their enterprises and prepare for future weather calamities. 13 CCA & CDF 2016-2017 ANNUAL REPORT

SUMMARIZED STATEMENT OF ACTIVITIES FOR THE YEAR ENDED MARCH 31, 2017

$ 2017 $ 2016 REVENUES Contracts & 11,786,335 8,196,393 Agreements Other income 49,668 81,960 11,836,003 8,278,353

EXPENSES Program activities 11,786,335 8,196,687 Management & 415,424 961,783 Administration REVENUE BY SOURCE: 2016–17

12,201,759 9,158,470 £ Global Affairs Canada 10,553,101 89.16% £ CDF 676,254 5.71% NET REVENUE £ IFAD 281,778 2.38% FOR THE YEAR (365,756) (880,117) £ UNOPS 171,601 1.45% £ Other development programs 101,211 0.86% £ Other income 52,058 0.44%

SUMMARIZED STATEMENT OF CASH FLOWS TOTAL 11,836,003 100.00% FOR THE YEAR ENDED MARCH 31, 2017

$ 2017 $ 2016 OPERATING ACTIVITIES Net revenue for the (365,756) (880,117) year Items not affecting 38,459 58,555 cash Net change in (565,932) 2,931,529 non-cash working capital items (893,229) 2,109,967

Investing activities 460,432 (30,895) Financing activites 20,821 21,502

Net change in cash (411,976) 2,100,574 PROGRAM DISBURSEMENTS BY SECTOR: 2016–17 during the year £ Finance 2,298,413 19.50% Cash—beginning of 2,705,253 604,679 £ Agricultural 8,209,706 69.65% the year £ SME 950,571 8.07% £ Other 327,645 2.78% CASH— END OF THE YEAR 2,293,277 2,705,253 TOTAL 11,786,335 100.00% 14 CCA & CDF 2016-2017 ANNUAL REPORT COOPSINCANADA @CCA_INTL @CDFCANADA CCAOTTAWA

THE CANADIAN CO-OPERATIVE ASSOCIATION (CCA) is a not-for-profit co-operative which establishes and strengthens co-operatives, credit unions and community-based organizations to reduce poverty, build sustainable livelihoods and improve civil society in developing countries. www.coopscanada.coop

THE CO-OPERATIVE DEVELOPMENT FOUNDATION OF CANADA (CDF) is a registered charitable organization which raises money, mostly from Canadian co-operatives and co-op members, to help alleviate poverty by building and strengthening financial and non-financial co-ops in developing countries. Working with the Canadian Co-operative Association and other partners, it helps poor communities fight poverty and create more secure lives through community-owned co-ops. www.cdfcanada.coop

OUR VISION A better world. OUR MISSION To establish and grow co-operatives internationally that build a better world. OUR VALUES Our work is shaped by the seven co-operative principles identified by the International Co-operative Alliance and adopted by co-operatives all over the world:

1. Voluntary and Open Membership 2. Democratic Member Control 3. Member Economic Participation 4. Autonomy and Independence 5. Education, Training and Information 6. Co-operation among Co-operatives 7. Concern for Community

CCA is a wholly-owned subsidiary of Co-operatives and Mutuals Canada (CMC). CCA is proud to be a member of the Canadian Council for International Co-operation and a part of the international co-operative movement.

CANADIAN CO-OPERATIVE ASSOCIATION Canadian Co-operative Association programs AND CO-OPERATIVE DEVELOPMENT are undertaken with the financial support of FOUNDATION OF CANADA the Government of Canada provided through 400-275 Bank St., Ottawa, ON K2P 2L6 Global Affairs Canada. Tel: +1.613.238.6711 Toll free: +1.866.266.7677 Fax: +1.613.567.0658 [email protected] www.coopscanada.coop www.cdfcanada.coop

N Cover: Paul Tassan Seidu is the manager of Zabzugu Community Co-operative Credit Union in Ghana’s Northern region; one of eight credit unions which provide much needed financial services to 50,000 men and women farmer members and 16,000 microfinance borrowers.