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Coop Branches on Selected Areas in Cagayan De Oro City LAP- PUERT CAG

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Coop Branches on Selected Areas in Cagayan De Oro City LAP- PUERT CAG PROPOSED CODE OF ETHICS IN COOPERATIVE BRANCHING Consultation Areas Attended by Coop-Members # of Coops Pax •CEO & Chairperson Summit in Palawan 2010 – 11 38 •CEO & Chairperson Summit in Vigan in 2011 - 13 27 •OM- Zamboanga - 15 20 366 pax 167 coops # of Coops Pax •OM- Dapitan - 29 58 •OM-Digos - 29 68 •OM-Cagayan - 24 52 •OM-Davao - 30 63 •OM-Caraga - 16 40 At a Glance: The cooperative Branching in Mindanao 272 active affiliates At a Glance: The cooperative branching in Mindanao Branches of different coops are established in cities, municipalities and towns, co-existing with one another. Bukidnon (Aglayan) Oro Integrated Cooperative Bukidnon (Baungon) Oro Integrated Cooperative Bukidnon (Don Carlos) Sta. Catalina Multi-Purpose Cooperative Bukidnon (Don Carlos) FICCO Bukidnon (Impasug-ong-Main Office) Kauyagan Saver's Cooperative Bukidnon (Kadingilan Business Center) FICCO Bukidnon (Kalilangan) Sta. Catalina Multi-Purpose Cooperative Bukidnon (Kibawe Business Center) FICCO Bukidnon (Kibawe) Sta. Catalina Multi-Purpose Cooperative Bukidnon (Kisolon Business Center) FICCO Bukidnon (Aglayan) Oro Integrated Cooperative BBuukkidnoidnonn (M(Baualaybalay)ngon) OrMoediatri Integrax Mteultid Coo-Purpperatiosev Ceooperative BBuukkidnoidnonn (M(Doalaybalay)n Carlos) SFICta.C CatalinaO Multi-Purpose Cooperative BBuukkidnoidnonn (M(Doanoln Carloo Forts) ich Business Center) FFICICCCOO BBuukkidnoidnonn (M(Impanolasuog-o Fortng-Mainich) Office) KOrauoya Integratedgan Saver's C ooCoperativeoperative Bukidnon (Kadingilan Business Center) FICCO BBuukkidnoidnonn (M(Kalilangaramagan Business) Center) SFICta.C CatalinaO Multi-Purpose Cooperative BBuukkidnoidnonn (M(Kibaramag)awe Business Center) FBuICCkOidnon Development MPC (Formerly CBAF) BBuukkidnoidnonn (M(Kibaramag)awe) SSta.ta. Catalina Catalina Mult Muli-Pti-Purpourposese C Coooperativperativee Bukidnon (Kisolon Business Center) FICCO BBuukkidnoidnonn (M(Maaramag)laybalay) MeBukdiaidntrixon Mu Governmentlti-Purpose E Comploopeyeesrativ eMPC BBuukkidnoidnonn (M(Maaramag)laybalay) FMICCediatriO x Multi-Purpose Cooperative SamBBuukkidnoidnponnl (M(Maearamag-Mnol oSite Forticaihn BOffusicinese)ss C enofter) F MICCBraaramagO Communitynch Crediest Cooperative Bukidnon (Manolo Fortich) Oro Integrated Cooperative BBuukkidnoidnonn (Quezo(Maramagn B usiBusnineessss C enCentetr)er) FFICICCCOO BBuukkidnoidnonn (Quezo(Maramagn) ) BSta.ukidnon Catali Devena Mlouplti-menPurpot MPCse C(Foooperativrmerly CeBAF) BBuukkidnoidnonn (Su(Mamrailaomag-M) ain Office) SFARta. CatalinaM Coope Multrativei-Purpose Cooperative Bukidnon (Maramag) Bukidnon Government Employees MPC BBuukkidnoidnonn (T(Maalakraagmag Business) Center) MeFICdiaCOtrix Multi-Purpose Cooperative Bukidnon 26 BBuukkidnoidnonn (T(Maalakraag)mag-Main Office) MaOroramag Integrated Commun Cooityperative CreCoodit Cooperaptive BBuukkidnoidnonn (V(Qualencezonia) Business Center) FFICICCCOO Bukidnon (Quezon) Sta. Catalina Multi-PuBranrpose Coopcherativees BBuukkidnoidnonn (V(Sumilao-alencia)Main Office) FPARManabo Co MopePCrative BBuukkidnoidnonn (V(Talakagalencia) B usiness Center) FMICCediatriO x Multi-Purpose Cooperative BBuukkidnoidnonn (V(Talakagalencia)) OrKingo Integra Cooperatited Coove perative BBuukkidnoidnonn (V(Valencalencia-Mia) ain office) FMICCindanaoO Savings Cooperative Bukidnon (Valencia) Panabo MPC BBuukkidnoidnonn (Dam(Valenilag)cia) MeOrodia Savitrixng Mus &lti- ShPurposearing C ooCoperativeoperative BBuukkidoidnnonon ( V(Malenalaybalay-Mcia) ain Office) KBuingk iCdnoopeon Draetveliveopment MPC (Formerly CBAF) BBuukkidnoidnonn (M(Vaalaybalay-lencia-MainM aoffin icOfe)fice) MinBukdaidnnaoon SaGovernmentvings Coop erativeEmployees MPC Bukidnon (Damilag) Oro Savings & Sharing Cooperative Bukidonon (Malaybalay-Main Office) Bukidnon Development MPC (Formerly CBAF) Bukidnon (Malaybalay-Main Office) Bukidnon Government Employees MPC Sample Sites of Branches Davao City King Cooperative Davao City (Agdao-Main Office) Agdao Multi-Purpose Cooperative Davao City (Bajada) Tagum Cooperative Davao City (Bajada) FICCO Davao City (Bajada) Panabo MPC Davao City (Bankerohan) FICCO Davao City (Buhangin) Agdao Multi-Purpose Cooperative Davao City (Buhangin) Sta. Ana Multi-Purpose Cooperative (SAMULCO) Davao City (Matina) Agdao Multi-Purpose Cooperative Davao City (Matina) Sta. Ana Multi-Purpose Cooperative (SAMULCO) Davao City (Matina) Tagum Cooperative 27 DavDao Citavy (Matinaoa) CityPanabo MPC Davao City (Mintal) El Grande Multi-Purpose Cooperative Davao City (Mintal) Tagum Cooperative Coop Davao City (Mintal) Toril Community Cooperative Davao City (Panakan) Sta. Ana Multi-Purpose Cooperative (SAMULCO) Davao City (Puan) Sta. Ana Multi-Purpose CoBranoperativech (SAMesULCO) Davao City (San Pedro) Agdao Multi-Purpose Cooperative Davao City (Tibungco) Agdao Multi-Purpose Cooperative Davao City (Tibungco) Panabo MPC Davao City (Toril) Agdao Multi-Purpose Cooperative Davao City (Toril) Bansalan Cooperative Society Davao City (Toril) Panabo MPC Davao City (Toril-Main Office) Toril Community Cooperative Davao City (Ulas) Agdao Multi-Purpose Cooperative Davao City-Main Office El Grande Multi-Purpose Cooperative Davao City-Main Office Sta. Ana Multi-Purpose Cooperative (SAMULCO) SamCabadbapranle Sites of BauBrag CARP Benchneficiaries MPesC Cabadbaran King Cooperative Cagayan de Oro (Puerto) Oro Integrated Cooperative Cagayan de Oro City (Agora) Oro Integrated Cooperative Cagayan de Oro City (Bulua) MSU-IIT Multi-Purpose Cooperative Cagayan de Oro City (Carmen) Oro Integrated Cooperative Cagayan de Oro City (Carmen) FICCO Cagayan de Oro City (Carmen-Main Office) Bangko sa Balay Foundation Cagayan de Oro City (Cogon) MSU-IIT Multi-Purpose C2ooperat4ive Cagayan de OrCDo City (CogoOn) Oro Integrated Cooperative Cagayan de Oro City (Cogon) Oro Savings & Sharing CoCoooperativep Cagayan de Oro City (Cogon) FICCO Cagayan de Oro City (Cogon) Panabo MPC Branches Cagayan de Oro City (Corrales-Main Office FICCO Cagayan de Oro City (Lapasan) Bukidnon Development MPC (Formerly CBAF) Cagayan de Oro City (Lapasan) FICCO Cagayan de Oro City (Tiano-Recto) FICCO Cagayan de Oro City (Yacapin) Oro Integrated Cooperative Cagayan de Oro City-Main Office Misamis Oriental PNP Employees MPC Cagayan de Oro City-Main Office Oro Savings & Sharing Cooperative Coop Branches on Selected Areas in Cagayan de Oro City LAP- PUERT CAG. COGON DE ORO OBUGO 5 9 CITY 24 BUL- COR- PATAG TIANO CAR COOPS W/ CAPIS 5 CREDIT SERVICE 5 WHAT ARE WE OBSERVING NOW? Multiple memberships are common (i.e. 1 individual becomes a member of different coops); nobody acts on the matter WHAT ARE WE OBSERVING NOW? Past due borrowers: c.take another loan from other coops; d.leave the coop and transfer to other coops *lack of systemic verification, checking and exchange of information WHAT ARE WE OBSERVING NOW? Many coops experience losses; millions of members’ money are lost WHAT ARE WE OBSERVING NOW? In the last 4 yrs, more coop branches were opened in Mindanao; the federation has no authority to supervise/ control coop branching WHAT ARE WE OBSERVING NOW? Small coops are struggling and complaining about because of this development. But no one cares for them. WHAT ARE WE OBSERVING NOW? We seem to forget that if one coop dies, it is the image/ reputation of ALL COOPERATIVES that will be affected. MASS-SPECC as a federation of 272 primary coops proposes the adoption of: DRAFT CODE OF ETHICS IN COOPERATIVE BRANCHING Ethics is defined as: a set of values that serve to regulate behavior to ensure harmony between people. (Desjardins) fundamentally rooted in what people believe to be GOOD or BAD and RIGHT or WRONG (Dictionary) Code of Ethics means of expressing coop’s collective commitment to a specific set of standards of conduct while offering guidance on how best to conform to these standards. Code of Ethics Defines how cooperatives expect and require people concerned to resolve unethical behaviors What the Code aims to accomplish for the Coop Movement? Protection of interest of cooperatives by preventing exploitative/ unfair practices by other cooperatives What the Code aims to accomplish for the Coop Movement? Ensure themselves that ethical practices are followed by their member- cooperatives What the Code aims to accomplish for the Coop Movement? Stability of the coop system and protection of members’ interest Outline of the Code Art 1: Fundamental Principles of the Code Art 2: Service as a Primary Motive Section 1: Operating a Cooperative Branch Section 2: Basic Financial Coop Branch Operations Section 3: Practices on Coop Members’ Protection Section 4: Competitive Financial Market Section 5: Membership Recruitment & Development Section 6: Reporting to the Network Outline of the Code Art 3: Business as a Subsequent End Section 7: Collection of Data and Monitoring Art 4: Advocating Cooperation Section 8: Complementation and Cooperation among Coops Section 9: Environmental Protection and Conservation Art 5: Faithful Adherence to Laws and Regulations Section 10: Compliance of Applicable Laws and Regulations Outline of the Code Art 6: Assessment and Evaluation Section 11: Federation Assessment and Evaluation Art 7: Compliance with the Code Section 12: Compliance of Member Coops and the Federation Art 8: Commitment and Supervision Section 13: Coop’s Commitment and Supervision Section 14: Reporting Outline of the Code Art 9: Rewards and Recognition Section 15.1 Violations Section 15.2 Reward and Recognition Art 10: Separability Clause and Affectivity Section 16: Separability Clause Section 17: Affectivity .
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