CAN WE SUCCEED THRU COOPERATIVISM? YES, WE CAN! Read story on P.16

CDA-DAR Partner- COOPS TRAILBLAZE THE ship Program Em- powers IPs and IP EMPOWERING, LIBERATING PATH Communities: A Briefer For His Excellency, Pres. Rodrigo Roa Duterte The Story of B’laan Tribal Community in North Cotabato o those who have dreamt, n the valley of Barangay Ba- Tadvocated, struggled and Icong, Municipality of Tulunan, even died for it, social change Province of North Cotabato re- has been so elusive all these sides the 99.9% B’laan Tribe in- years despite 14 years of Mar- habitants. tial Law and two people pow- The community is 30 ki- er revolutions. The structures lometers away from the National and systems that are breeding Highway of Km. 125, La Esperan- poverty, gross inequities and za, Tulunan, Cotabato. As a tribe, social injustices have remained they have their own customs and as formidable as ever. But not practices, most of them are farm- anymore. Under the present ers and agrarian reform beneficia- dispensation social transfor- ries. mation has begun. They have planted their vast land Continue to P.3 abundantly with a variety of agri- cultural products such as banana, corn, copra, rubber trees, ginger and other root and fruit bearing crops. MEMBER-CONSUMER-OWNERS (MCOs), For a long time, they find it difficult to market their prod- ucts and to get reasonable price OWN ELECTRIC COOPERATIVES due to distance and poor road (A Story of Social Injustice Committed Against MCOs) condition from sitios to baran- gay. Their only means of trans- he passage of R.A.6938 on all believing in the spirit of Coop- proceeds out of the surplus in op- portation are through horses. TMarch 10, 1990 paved the erativism, and enjoy the fruits of eration in the forms of interest on way for the consolidation of the ownerships by receiving a yearly share capital and patronage re- Transporting their products from registration and regulation of dividend and patronage refund. fund. The Authority is unceasingly barangay to town proper entails all types and categories of co- Residents within the fran- and energetically campaigning for high freight charges. More often operatives to the Cooperative chise areas of electric coopera- the registration of more electric than not, B’laan residents opted Development Authority (CDA) tives are given the opportunity to cooperatives with the CDA. to consume their produce and the own the enterprise and enjoy the Unknown to millions of Fili- which was created, at the same excess will be discarded or goes time, through R.A.6939. privileges accorded by law to co- pinos, their basic rights as owners With regards to electric operatives and to its member-con- of those “electric coops” (by name to their livestock as feeds. Occa- cooperatives, there are now thir- sumer-owners (MCOs) like the only but not registered with the Continue to p. 8 teen (13) registered with the CDA, opportunity to receive part of the CDA) are not recognized despite Continue to p. 9 CSF: A Sure Way To Do Credit area.

The establish- ment of the CSF is a mechanism to enhance the credit worthiness of the Mi- cro, Small and Medi- um Enter- an Jose, Dinagat Islands, (11 prises (MS- SSeptember 2018) --- Always the MEs) and the cooperatives. first to implement new cooperative The purpose of RA 10744 is to ways, the mystical Province of Di- broaden access to credit facilities nagat Islands (PDI) again beats and to sustain the continuous flow other provinces within Caraga, in of credit to increase economic activ- the launching of the Credit Surety ities for MSMEs and cooperatives. Fund (CSF) or the implementation Mr. V. Bruce J. Tolentino, of RA 10744: Credit surety Fund Monetary Board Member of the Act of 2014 among cooperatives Bangko Sentral ng Pilipinas, Chair- of PDI. The Provincial Cooperative man Orlando R. Ravanera of the Development Office spearheaded Cooperative Development Author- this launching and MOA signing to signal the operation of CSF in this Continue to p. 8 CDA @phcoops PH Cooperatives News HOPE FOR LASTING PEACE IN MINDANAO Chairman of the Committee on Cooperatives of the Sang- guniang Panlungsod.

The MPN-CDP as a pro- gram is part of the socio-eco- nomic component of the Peace Initiatives of the CDA implemented to combat pov- erty in the battle-worn Mind- anao Island. A development package that aims to organize and develop sustainable and self-reliant cooperatives. The turn-over of the mobile mini rice mill with de-stoner comes with the giving-away of the cash assistance amounting to Two Hundred and Fifty Thou- sand Pesos (P250,000.00) to every cooperative chosen as beneficiary. Only one (1) beneficiary utuan City, August 18, 2018 operatives, which five of them are the turn-over program held here at coop failed to join the celebra- B---- A soft-launching of the located in Caraga: 1) CARCAN- Grand Palace Hotel. tion because the vehicle borrowed project and a simple ceremony MADCARLAN Free Farmers Ag- The witnesses to this ac- from the local government office was conducted for the handing ricultural Cooperative of Surigao tivity from the CDA-Central Office intended to transport the mini rice -over of the Mobile Mini Rice Mill del Sur, 2) Avanceña Beneficiaries were members of the Board of Ad- mill facility from Butuan City to the Facilities to five (5) coop benefi- and Farmers Multi-Purpose Co- ministrators from Mindanao, Hon. area bogged down. Since Magroy- ciaries of “Mindanao Peace And operative of Agusan del Norte, 3) Abdulsalam A. Guinomla and Hon. ong Farmers MPC is located in a Normalization Thru Cooperative Kipundao Farmers Multi-Purpose Paisal I. Cali. Also present was for- far-distanced barangay in Magroy- Development Projects” Program Cooperative also of Agusan del mer CDA Administrator Pendatun ong, Municipality of San Miguel, of the Cooperative Development Norte, 4 )Butuan-Agusan Farm- Disimban and the host, Regional Surigao del Sur Province, it was Authority. ers Multi-Purpose Cooperative of Director Genaro D. Pogata Jr. of difficult for them to come without Butuan City, and 5) Magroyong CDA-Caraga Extension Office. a means of transportation. They This program is implement- Farmers Multi-Purpose Cooper- Invited to grace the occasion was were later followed up by CDA ed Mindanao-wide granting facility ative of Surigao del Sur. Repre- Butuan City Mayor Ronnie C. La- personnel from this extension of- like the rice mill with de-stoner and sentatives of said cooperatives gnada represented by City Coun- fice for the delivery of their mobile cash assistance to beneficiary-co- arrived in Butuan City to attend cilor Joseph Omar Andaya as rice mill (minus the ceremony). Western Visayas Gawad CDA, RCDC XI Conduct Parangal Winners Vie for 2018 Cooperative Summit 6 GP Regional Winners from Western Visayas Eyeing for National the different areas Title in Region XI: Davao By Mercy J. GabasaNational Title del Norte – 83; By Mercy J. Gabasa Committee (PMC) of the Coop- Davao del Sur – Six (6) 2018 Gawad Parangal (GP) Regional Winners in 36; Davao Oriental Western Visayas are included in the National Field erative Development Authority – 35; Compostela Validation by the GP Program Management Committee (CDA). Valley – 52; Davao (PMC) of the Cooperative Development Authority Occidental – 6; and (CDA). According to Engr. Do- Davao City with 82 participants. Barbaza MPC reen C. Ancheta, OIC Director II, According to Engr. Doreen C. Ancheta, OIC Director II, Lezo MPC CDA Iloilo Extension Office, these CDA Iloilo Extension Office, these regional winners will Kooperatiba The main top- be competing in the National Level in the Search for regional winners will be compet- ics discussed were: Naton MPC ing in the National Level in the Most Outstanding Cooperatives, Best Performing Local PWARC Republic Act 10963 Government Unit – Cooperative Development Office BCCLDO Search for Most Outstanding Co- (TRAIN), Feder- (LGU-CDO) and Most Outstanding Cooperative Leader Joy Palmada operatives, Best Performing Local alism in the Phil- Award. Government Unit – Cooperative he 2018 Regional Coopera- ippines, and Con- cepts & Features of the Koop tive Summit, hosted by Re- Development Office (LGU-CDO) T Kapatid Program. The Barbaza MPC from the Province of Antique is a and Most Outstanding Coopera- gion XI Cooperative Development Council (RCDC XI) and the Co- national nominee for Large-Billionaire Scale Category tive Leader Award. Engr. Felix Tabasa, RCDC which will be validated on September 17-19, 2018. operative Development Authority – Davao Extension Office (CDA- XI Chairperson, opened the event On the other hand, Lezo MPC, from the Municipality of The Barbaza MPC from DEO), was held last August 10, with gratefulness of the positive ix (6) 2018 Gawad Parangal response of the cooperatives in Lezo, Aklan, KOOPERATIBA NATON MPC, in the Municipality of Tigbauan, Iloilo and Progressive Women the Province of Antique is a na- 2018 at the Brokenshire Resort & (GP) Regional Winners in Convention Center, Madapo Hills, supporting the event. The RCDC Agrarian Reform Cooperative (PWARC) in the Municipality ofS Dumarao, Capiz are national nominees vying tional nominee for Large-Billion- XI was expecting at most 200 par- under the Medium Scale Category and will be validated onWestern September 17, Visayas -21, 2018 are. included in aire Scale Category. Davao City. ticipants but the actual attendees the National Field Validation by exceeded such expectation. He, In the category of Best Performing LGU-CDO, Bacolod City Cooperativethe GP and Program Livelihood Development Management Office The event was graced by (BCCLDO), is likewise included in the shortlist of National Nominees is scheduled on September 12 - 14, Continue to p. 9 294 cooperative delegates from Continue to p. 9 2018. Page 2 CDA @phcoops PH Cooperatives Ms. Joy Doronila Palmada, Chairperson of Pavia Entrepreneurs MPC is the region’s bet for the Most Outstanding Regional Cooperative Leader and had qualified for the National Field Validation on September 17 – 19, 2018.

Four (4) National Validating Teams will be coming to Region 6 to visit and validate the national nominees in various categories.

CONGRATULATIONS and the writer is fervently hoping for the BEST!

A Briefer.. from p. 1 A Briefer for His Excellency, Pres. Rodrigo Roa Duterte President of the Republic of the Philippines Landfill Multi-purpose Coopera- tainable development. tive. The members of the coop- erative who are the sorters and For people advocacy. The pickers of garbage have exem- cooperatives have contrib- plified the essence of cooperativ- uted in empowerment and ism by believing in their collective capacitating the margin- powers. Now, they are operating alized sector by drawing a 7-million cooperative enterpris- them into the mainstream es, employing 20 regular workers of development processes. with minimum wages and provid- In Cagayan de Oro City, the ing decent houses for their mem- then liabilities in the society, bers. the Persons with Disabilities (PWDs), became asset of For peace. We firmly believe that the society by forming them- Cooperativism is the only liberat- selves into a cooperative, ing force against any injustices, the Northern Mindanao Ho- even in the problem of insurgen- listic Therapeutic Blind Mas- cy. It transcends religion and ide- The flawed political system ing Resilient and Empowered seurs Service Cooperative. ology. This truism was exempli- which is both colonial and exclu- Communities Towards a Better Now, the members operate three fied in Mindanao where former sive has caused the exploitation of and Stronger Philippines”. massage clinics. The women of combatants of the Moro National the people and the massive plun- Maranding, Lanao Del Norte who Liberation Front decided to aban- der of ecological wealth. Philip- Why are cooperatives so were once either dependents or don armed struggle and formed pine society is now characterized essential in the life of the nation? abused by their spouses, are able cooperatives. There are now 34 as ecologically fragile, rating the For one, Cooperativism in this to craft their own future by form- cooperatives of the former MNLF country as the top three hardest country is in itself an exercise of ing into a cooperative. Now, the in Lanao Del Norte and Lanao hit in the world by climate change the most important power of the Maranding women’s cooperative Del Sur. In Quezon Province, the where the occurrence of ecologi- State which is the Police Pow- are operating a millionaire coop- members of reformed NPA rebels cal disasters becoming a new nor- er. Its very existence is to recti- erative. And most importantly, the have formed their agricultural co- mal. Philippine society has also fy social ills and economic flaws, women are able to transform their operative, the Rebel Returnees of been described as over-crowded, foremost of which is social injus- community by advocating gender Mt. Banahaw Agricultural Coop- number twelve in the world in pop- tice. This is the reason why it is equality and protection and pro- erative and are now back in the ulation. In the rural areas, four of so stated in the Constitution as a viding livelihood. mainstream society for good. five are living in poverty causing declared State policy. The fram- them to migrate to the urban cen- ers of the 1987 Constitution must For the Indigenous People (IPs) The 28,000 registered coopera- ters. have fully realized the importance nationwide, they are also drawn tives in the Philippines with some of Cooperativism as a vehicle to into the mainstream of devel- 14 million members coming from The imperative need to democratize wealth and power opment processes by providing all walks of life have good stories re-structure Philippine society in a highly skewed societal order them an access for their products to tell, of how they have been liber- has now come of age under the with only a few elites in control at to the market, without intruding ated from the quagmire of poverty present dispensation calling for the expense of the many who are their customs and traditions. The be they farmers, fisherfolks, work- “Biyaya ng Pagbabago.” The co- powerless and wallowing in pov- B’laan Tribal Community in North ers, women, persons with disabil- operatives have now scaled the erty. Cotabato has now an access road ities and even former combatants heights forming a critical mass to for their products and has the con- who have left armed struggle to advance that most elusive social Yes, Cooperativism is the trol over their mode of production. now peacefully working for social change. restructuring tool because its DNA In Bukidnon, the coffee of the Ta- justice and equity through Coop- is one that is members-owned, laandig IP cooperative was ad- erativism. We can aptly claim that Unknown to many, there value-based and sustainable. It judged as the “Best Coffee in the Cooperativism and development is now looming a countervailing is the one to dismantle the con- World” in a competition in Seattle, are two sides of the same coin force to rectify social wrongs by trol of the oligarchs of the econ- USA. based on the following premises: harnessing the collective pow- omy through legal and peaceful First, the poor have to bind them- er of the people, where those in means. Its time-honored and For planet. The cooperatives in selves together to seek redress the margins are now drawn into universally-accepted coopera- Region 10 now spearhead in an ef- against poverty by harnessing the mainstream of development tive principles zeroed-in on being fort to bring the blighted land back their collective potentials; Second, processes. It is the empowering democratic and inclusive to re- to life. The 200 thousand hectares attacking the root cause of pover- and liberating path, addressing place what is colonial and exclu- denuded forest in Cagayan de ty which is the powerlessness of the root cause of poverty which is sive. Oro and Bukidnon areas are now the people makes it imperative to the powerlessness of the people rehabilitated by the cooperatives empower the poor; and Third, so- to have access and control over The 28,000 cooperatives in the through the Payment for Ecolog- cial justice demands the rectifica- their resources. This is well pro- Philippines with some 14 million ical Service (PES). It is also being tion of social flaws and no one can vided for by the 1987 Constitution members are now front-lining replicated throughout the country do it except through the collective that “the State shall advance Co- social transformation for people, because cooperatives understand efforts of those who are increas- operativism as instrument of so- planet, prosperity and peace. the essence of maintaining the ingly marginalized. cial justice, equity and economic This is in consonance with the ecological integrity of Mother Na- development.” United Nations’ 17 Sustainable ture. Their cry in unison: “Protect Cooperatives serve as a venue Development Goals to stop pov- the Environment or Perish!” for real advocacy geared towards On October 2018, the co- erty, hunger, social injustice, gross nation-building. And most of all, operative movement in the coun- inequities, advance gender and For prosperity. The cooperative Cooperativism serves as an ad- try will celebrate the cooperative development, protect the environ- sector in the country have con- vocacy for advancing the cause month, in pursuance to Presiden- ment and the health of the people, tributed a total of 3 Billion pesos for our people, planet, prosperity tial Proclamation No. 493, series among others. Transformative of income tax annually, 540 thou- and peace. of 2003, declaring October 2004 Cooperatives are the ones to sand direct and 2 million indirect and every year thereafter as the advance social change based employments. The cooperatives Sgd cooperative month in the Philip- on the roadmap of the President have done their part in transform- ORLANDO R. RAVANERA,CSEE, CEO VI Chairman pines. This year’s theme is, “CO- responsive to the needs of the ing the lives of ordinary Filipinos, Cooperative Development Authority OPERATIVES: Partners for Build- people in consonance with sus- just like the story of San Jose Sico

CDA @phcoops PH Cooperatives Page 3 OPINION Transformative Cooperatives as Liberating Force profit. cess. Yes, cooperatives are like stars, A cooperative that imple- shining amidst the darkness of ments programs and activities that poverty, social injustice and grave promote gender and development inequities. But today, there are co- among its members and commu- operatives, cooperative leaders, nity, as well; putting in place the cooperative development offices important elements of GAD in the and councils whose brightness cooperative. must not be put under the bed but And a cooperative devel- on top of the hill for everyone to opment office that implements see. Cooperative Assistance for Rural They must be emulat- Enhancement Program or CARE ed. They must be honored. They Program, which provide livelihood must be awarded. The cooper- development assistance to all mi- atives have been successful in cro cooperatives in the City, thus HE blooming of the flowers the difficulties in a highly skewed democratizing wealth and pow- enhancing the cooperatives’ or- Tmay be very beautiful but it will pyramidal, oligarchical, societal er through agrarian reform and ganizational and entrepreneurial fail in comparison to the blooming order. in effecting paradigm shift where capabilities. of cooperatives! This is especially These goals are the raison the poor farmers now control the These are but just few of true, in the Philippines. Why is this d’ etre of cooperatives whose DNA mode of production and market- their stories, showing what coop- so? is that of being members-owned, ing. The member-consumer-own- eratives can do to empower their When the United Nations in value-based and sustainable. In ers of Electric Cooperatives which members and the community, 2015came up with the 17 Sustain- fact, no less than the 1987 Consti- are registered with CDA are mani- and the CDA is proud to be telling able Development Goals (SDGs) tution put that in clear, categorical festing the truism that those which these stories through the Gawad declaring in clean and strongest term to promote the viability and are means to life i.e., air, water, Parangal Program of the Cooper- categorical term – Stop pover- growth of cooperatives as instru- electricity, must not be a subject ative Development Authority. ty! Stop hunger! Advance social ments of social justice, equity and of commerce of men and must be Yes, the blooming of the coop- justice! Debunk social inequities! economic development. owned and managed the MCOs. eratives as exemplified by the Protect the environment! Regain Yes, the 28,000 coopera- Believe it or not, one coopera- Gawad Parangal Awardees are back the integrity of the ecosys- tives with 14 million members from tive-awardee was able to provide exemplifying what His Highness tems! Promote the health of peo- the 26 types of cooperatives are Water Distribution System, where Pope Francis has said in Laodatu ple! And promote peace and de- shining brightly now to effect so- members/concessionaires are Si, the new encyclical. That in the velopment! cial transformation that has been being provided and supplied with world with so much food, no one We found ourselves so elusive all these years despite clean and safe water for over fif- should go hungry. That we must amazed by these rhetorics, much 14 years of Martial Law and two teen (15) years. From “pag-iigib not use our talents for self-ag- more when the UN coined the people-power revolutions. The ng tubig sa poso,” members can grandizement, but to advance term – Transformative coopera- structure and systems that breed now access water through their our collective power through co- tives for people, planet, prosperity poverty are still as formidable as faucets with ease, at the same operativism, to transform society and peace! ever where the economy is con- time providing the needs of their for people, planet, prosperity and We can only say wow! But we trolled by the oligarchs following families and for their livelihood. peace. were not surprised. development paradigm anchored Another example is a coopera- We were never surprised on growth-at-all-cost development tive that markets their products All for greater glory of God. for the reason that all of these strategy that is only successful in through innovative and creative Chairman Orlando R. Ravanera SDGs are actually being done by sacrificing Mother Earth and the approach, thereby contributing to cooperatives already, despite all people to the altar of greed and the stability of the economic suc- Lamac MPC Hosts Asia Pacific Cooperative Youth Summit 2.0 in Cebu bout 150 youth jan, Cebu in August 17-20, 2018 This is the 2nd Interna- Adelegates from for the Asia Pacific Cooperative tional Youth Summit which was sixteen (16) dif- Youth Summit 2.0. hosted by the Lamac Multipurpose ferent countries in The activity was organized by Cooperative. The first was held in Asia arrived at La- the International Cooperative Al- Bali, Indonesia in 2016. Among mac Multipurpose liance-Asia Pacific (ICA-AP) and the VIPs present were Mr. Balu Cooperative, in La- the VICTO National Cooperative Iyer, Regional Director, ICA-AP,

mac, Pinamunga- Federation. Continue to p. 7

CDA MEDIA BUREAUS Pampanga Extension Pagadian Extension Office PUBLISHER Region IX Central Office Office/Region III Cooperative Development Authority Karen C. Sandique Elynor M. Tolosa Inocencio M. Malapit (CDA) Cheyanne L. Evangelista Ellyn M. Ando Cleng Salonga Calamba Extension Cherryl Marders Cagayan de Oro EO Office/Region IV Rosemarie J. Beltran Lorelie R. Papa Region X

Monatao Honeya R. Alawi Jerah B. Valdez Analiza C. Sulpot Sally S. Triñanes Naga Extension Edwin B. Pelosas Atty. Monalisa A. Juarez Office/Region V Davao Extension Office Michael C. Cabulay Othello Privaldos Region XI Raul Z. Bacillano Jason James Almacen Maria Theresa B. Dave Iloilo Extension Office Manila Extension Office NCR Region VI Kidapawan Extension Office Sherwin Keith D. Salazar Region XII Mimai R. Parangue Mercy J. Gabasa Cassy S. Jimeno Jezza Lhor Villarin-Utlang Jeane Mary B. Fullero Dagupan Extension Cebu Extension Office Office/Region 1 Region VII Caraga Extension Office Van F. Enriquez Ramon P. Buenavista EDITORIAL STAFF Faye D. Carino Caraga Region Mariefel A. Taghoy Sally Joy R. Bungabong Orlando R. Ravanera Editor-In-Chief Tuguegarao Extension Tacloban Extension Office- Niño Rosil C. Bantayan Managing Editors Ronde D. Alicaya Office/Region II Region VIII Jurela V. Cruz CAR-Baguio Ext. Office Gloria V. Barrido Leann R. Fontanilla Marissa L. Cala Loraine M. Yu Martin B. Manodon. Page 4 CDA @phcoops PH Cooperatives GLOBAL PERSPECTIVE: OPINION PRINCIPLES OF EARTH DEMOCRACY (An extract from the book, EARTH DEMOCRACY: Justice, Sustainability, and Peace, By Vandana Shiva)

cure living and identity, are driven to- cycles of violence in which suicidal ward extremist, terrorist, fundamen- cultures, suicidal economies, and the talist movements. These movements politics of suicide feed on each other simultaneously identify the other as to virtuous cycles of creative nonvio- enemy and construct exclusivist iden- lence in which living cultures nourish tities to separate themselves from living democracies and living econo- those with whom, in fact, they are mies. ecologically, culturally, and economi- Earth Democracy is not just cally connected. This false separation a concept, it is shaped by the multi- results in antagonistic and cannibal- ple and diverse practices of people istic behavior. The rise of extremism reclaiming their commons, their re- and terrorism is a response to the en- sources, their livelihoods, their free- closures and economic colonization doms, their dignity, their identities, of globalization. Just as cannibalism and their peace. While these prac- among factory-farmed animals stops tices, movements, and actions are when chicken and pigs are allowed to multifaceted and multiple, I have tried roam free, terrorism, extremism, eth- to identify clusters that present the nic cleansing, and religious intoler- ideas and examples of living democ- ance are unnatural conditions caused racies, living cultures, and live econ- arth Democracy is both an ancient all beings and humans of all colors, by globalization and have no place in omies which together build Earth De- Eworldview and an emergent politi- beliefs, classes, and countries. Earth Democracy. mocracy. Economy, politics, culture cal movement for peace, justice, and In contrast to viewing the Enclosures create exclu- are not isolated from each other. The sustainability. Earth Democracy con- planet as private property, move- sions, and these exclusions are the emergence of living economies, living nects the particular to the universal, ments are defending, on a local and hidden cost of corporate globaliza- cultures, and living democracies is, the diverse to the common, and local global level, the planet as a com- tion. Our movements against the bi- therefore, a synergistic process. to the global. It incorporates what in mons. In contrast to experiencing the opiracy of neem, of basmati, of wheat Living democracy is the India we refer to as vasudhaiva ku- world as a global supermarket, where have aimed at and succeeded in re- space for reclaiming our fundamental tumbkam (the earth family) – the goods and service are produced with claiming our collective biological and freedoms, defending our basic rights, community of all beings supported high ecological, social, and economic intellectual heritage as a commons. and exercising our common respon- by the earth. Native American and costs and sold for abysmally low pric- Movements such as the victorious sibilities and duties to protect life on indigenous cultures worldwide have es, cultures and communities every- struggle started by the tribal women earth, defend peace, and promote understood and experienced life as a where are resisting the destruction of of a tiny hamlet called Plachimada justice. Corporate globalization prom- continuum between human and non- their biological and cultural diversity, in India’s Kerala state against one ised that free markets would promote human species and between present, their lives, and their livelihoods. As of the world’s largest corporations, democracy. On the contrary, the free past, and future generation. An 1848 alternatives to the suicidal, earth’s Coca-Cola, are at the heart of the markets of global corporations have speech attributed to Chief Seattle of vital resources, which displaces mil- emerging Earth Democracy. destroyed democracy at every level. the Suquamish tribe captures this lions of farmers, craftspeople, and New intellectual property At the most fundamental level, corpo- continuum. workers, communities are resolutely rights enclose the biological, intellec- rate globalization destroys grassroots How can you buy or sell defending and evolving living econ- tual, and digital commons. Privatiza- democracy through the enclosure of the sky, the warmth of the land? omies that protect life on earth and tion encloses the water commons. the commons. The very rules of glo- The idea is strange to us. promote creativity. The enclosure of each common dis- balization, whether imposed by the If we do not own the fresh- Corporate globalization is places and disenfranchises people World Bank and the International ness of the air and the sparkle of based on new enclosures of the com- which creates scarcity for the many, Monetary Fund (IMF) or by the WTO, the water, how can you buy them? mons; enclosures which imply ex- while generating “growth” for the few. have been written undemocratically, Every part of this earth is sacred clusions and are based on violence. Displacement becomes disposabil- without the participation of the most to my people. Every shining pine Instead of a culture of abundance, ity, and in its most severe form, the affected countries and communities. needle, every sandy shore, ev- profit-driven globalization creates induced scarcity becomes a denial Corporate globalization undermines ery mist in the dark woods, every cultures of exclusion, dispossession, of the very right to live. As the use and subverts national democratic pro- clearing and humming insects is and scarcity. In fact, globalization’s of genetically modified seed and cesses by taking economic decisions holy in the memory and experi- transformation of all beings and re- sex-selective abortions spread, large outside the reach of parliaments and ence of my people. The sap which sources into commodities robs di- groups of people-especially women citizens. No matter which government courses through the trees carries verse species and people of their and small farmers-are disappearing. is elected, it is locked into a series of the memories of the red man. rightful share of ecological, cultural, The scale and rate of this disappear- neoliberal reform policies. Corporate This we know; the earth economic, and political space. The ance is proportional to the economic globalization is in effect the death of does not belong to man; man be- “ownership” of the rich is based on growth” driven by the forces of neolib- economic democracy. It gives rise to longs to the earth. the “dispossession” of the poor-it is eral corporate globalization. Howev- corporate control and economic dic- This we know. All things the common, public resources of the er, these brutal extinctions are not the tatorship. are connected like the blood which poor which are privatized, and the only trend shaping human history. When economic dictatorship unites our family. All things are poor who are disowned economically, On the streets of Seattle and is grafted onto representative, elec- connected. politically, and culturally. Cancun, in homes and farms across toral democracy, a toxic growth of Patents on life and the rheto- the world, another human future is be- religious fundamentalism and right- Earth Democracy is the awareness of ric of the “ownership society” in which ing born. A future based on inclusion, wing extremism is the result. Thus, these connections and of the rights everything-water, biodiversity, cells, not exclusion; on nonviolence, not vi- corporate globalization leads not just and responsibilities that flow them. genes, animals, plants-is property ex- olence; on reclaiming the commons, to the death of democracy, but to the Chief Seattle’s protest that “the earth press a worldview in which life forms not their enclosure; on freely sharing democracy of death, in which exclu- does not belong to man” finds echoes have no intrinsic worth, no integrity, the earth’s resources, not monopo- sion, hate, and fear become the po- across the world: and no subjecthood. It is a worldview lizing and privatizing them. Instead litical means to mobilize votes and in which the rights of farmers to seed, of being shaped by closed doors, power. “Our world is not for sale,” “Our wa- of patients to afford able medicine, of as the hawkish right-wing Project for Living cultures that grow out ter is not for sale,” “Our seeds and producers to a fair share of nature’s the New American Century was, the of living economies have space for biodiversity are not for sale.” This resources can be freely violated. The people’s project is unfolding in an at- diverse species, faiths, genders, and response to privatization under the rhetoric of the “ownership society” mosphere of dialogue and diversity, ethnicities. Living cultures grow from insane ideology known as corporate hides the anti-life philosophy of those of pluralism and partnerships, and of the earth, emerging from particular globalization builds Earth Democra- who, while mouthing prolife slogans, sharing and solidarity. I have named places and spaces while simultane- cy Corporate globalization sees the seek to own, control, and monopolize this project Earth Democracy. Based ously connecting all humanity in a world only as something to be owned all of the earth’s gifts and all of human on our self-organizing capacities, our planetary consciousness of being and the market only as driven by prof- creativity. The enclosures of the com- earth identities, and our multiplicities members of our earth family. Living it. From Bangalore in 1993, when half mons that started in England created and diversity, Earth Democracy’s suc- cultures are based on multiple and a million Indian peasants pledged to millions of disposable people. While cess concerns not just the fate and diverse identities. They are based on resist the classification of seeds as these first enclosures stole my land, well-being of all humans, but all be- earth identity as both the concrete re- private property required by the Trade today all aspects of life are being ings on the earth. Earth Democracy is ality of our everyday lives-where we Related Aspects of Intellectual Prop- enclosed-knowledge, culture, water, not just about the next protest or the work, play; sleep, eat, laugh, or cry- erty Rights (TRIPS) agreement of the biodiversity, and public services such next World Social Forum; It is about and the processes which connect us World Trade Organization (WTO) to as health and education. Commons what we do in between. It address- globally. Seattle in 1999 and Cancun in 2003 are the highest expression of eco- es the global in our everyday lives, Earth Democracy allows us when protests stopped the WTO min- nomic democracy. our everyday realities and creates to reclaim our common humanity and isterial meetings, the corporate glo- The privatization of public change globally by making change our unity with all life. Earth Democ- balization agenda has been respond- goods and services and the commod- locally. The changes may appear racy relocates the sanctity of life in ed to creatively, imaginatively, and itization of the life support systems of small, but they are far-reaching in all beings and all people irrespective courageously by millions of people the poor is a double theft which robs impact-they are about nature’s evo- of class, gender, religion, or caste. who see and experience the earth as people of both economic and cultural lution and our human potential; they And it redefines “upholding family a family and community consisting of security. Millions, deprived of a se- are about shifting from the vicious values” as respecting the limits on Continue to p. 6 CDA @phcoops PH Cooperatives Page 5 OPINION GLOBAL PERSPECTIVE:

Principles of Earth... from P.5 greed and violence set by belonging other intellectual property rights. no disposable people or dispensable is delegated to more distant levels of to the earth family. Family values of species or cultures. The earth econo- governments on the principle of sub- the earth family do not allow privat- 2. The earth community is a de- my is a living economy. It is based on sidiary. Self-rule and self-governance ization of water or the patenting of mocracy of all life sustainable diverse, pluralistic sys- is the foundation of Earth Democracy. life, since all beings have a right to We are all members of the earth fam- tems that protect nature and people, life and well-being. In the earth family ily, interconnected through the plan- are chosen by people, and work for 8. Earth Democracy is based that acknowledges, as Chief Seattle et’s fragile web of life. We all have a the common good. on living cultures did, that “all things share the same duty to live in a manner that protects 6. Living economies are built on Living cultures promote peace and breath, the beast, the tree, the man… the earth’s ecological processes, and local economies create free spaces for the practice of The air shares its spirit with all the life the rights and welfare of all species Conservation of the earth’s resources different religions and the adoption it supports,” one part of the interna- and all people. No humans have the and creation of sustainable and sat- of different faiths and identities. Liv- tional community cannot destabilize right to encroach on the ecological isfying livelihoods are most caringly, ing cultures allow cultural diversity to the climate, enclose the atmospheric space of other species and other creatively, efficiently, and equitably thrive from the ground of our common commons, or ignore the rights of oth- people, or to treat them with cruelty achieved at the local level. Localiza- humanity and our common rights as er species and other countries by cre- and violence. tion of economies is a social and eco- members of an earth community: ating 36 percent of the world’s CO2 3. Diversity in nature and cul- logical imperative. Only goods and pollution. ture must be defended services that cannot be produced 9. Living cultures are life nour- Over the past three decades, Biological and cultural diversity is an locally-using local resources and lo- ishing my conception of Earth Democracy end in itself. Biological diversity is a cal knowledge-should be produced Living cultures are based on the dig- has been concretized through my en- value and a source of richness, both nonlocally and traded long distance. nity of and respect for all life, human gagement with diverse movements. materially and culturally that creates Earth Democracy is based on vibrant and nonhuman, people of all genders Ecology movements, conservation conditions for sustainability. Cultural local economies, which support na- and cultures, present and future gen- movements, and animal right move- diversity creates the conditions for tional and global economies. In Earth erations. Living cultures are, there- ments have based their struggles peace. Defending biological and cul- Democracy, the global economy does fore ecological cultures which do around the intrinsic worth and value tural diversity is a duty of all people. not destroy and crush local econo- not promote life-destroying lifestyles of all species. Human rights move- 4. All beings have a natural mies, nor does it create disposable or consumption and production pat- ments have been rooted in the rec- right to sustenance people. Living economies recognize terns, or the overuse and exploita- ognition of the universal human rights All members of the earth community, the creativity of all humans and cre- tion of resources. Living cultures are of all people. In Earth Democracy, including all humans, have the right ate spaces for diverse creativities to diverse and based on reverence for the concern for human and nonhu- to sustenance-to food and water, to reach their full potential. Living econ- life. Living cultures recognize the man species comes together in a a safe and dean habitat, to security omies are diverse and decentralized multiplicity of identities based in an coherent, nonconflicting whole that of ecological space. Resources vital economies. identity of place and local commu- provides an alternative to the world to sustenance must stay in the com- 7. Earth Democracy is a living nity-and a planetary consciousness view of corporate globalization, which mons. The right to sustenance is a democracy that connects the individual to the gives rights only to corporations and natural right because it is the right Living democracy is based on the earth and all life. which sees human and other beings to life. These right to sustenance is democracy of all life and the de- as exploitable raw material or dispos- a natural right because it is the right mocracy of everyday life. In living 10. Earth Democracy globalizes able waste. to life. These rights are not given by democracies people can influence peace, care and compassion states or corporations, nor can they the decisions over the food we eat, Earth Democracy connects people PRINCIPLES OF EARTH DEMOC- be extinguished by state or corporate the water we drink, and the health- in circles of care, cooperation, and RACY action. No state or corporation has care and education we have. Living compassion instead of dividing them the right to erode or undermine these democracy grows like a tree, from through competition and conflict, fear 1. All species, people and cul- natural rights or enclose the com- the bottom up. Earth Democracy is and hatred. In the face of a world of tures have intrinsic worth mons that sustain life. based on local democracy, with local greed, inequality, and overconsump- All beings are subject s who have in- 5. Earth Democracy is based on communities-organized on principles tion, Earth Democracy globalizes tegrity, intelligence, and identity, not living economies and economic de- of inclusion, diversity, and ecological compassion, justice, and sustainabil- objects of ownership, manipulation, mocracy. Economic systems in Earth and social responsibility-having the ity. exploitation, or disposability. No hu- Democracy protect ecosystems and highest authority in decisions relat- mans have the right to own other spe- their integrity; they protect people’s ed to the environment and natural cies, other people, or the knowledge livelihoods and provide basic needs resources and to the sustenance of other cultures through patents and to all. In the earth economy there are and livelihoods of people. Authority

Cooperative Development Pro- gram. The objective of which, is to A BEAUTIFUL BLESSING assist six (6) cooperatives coming Turnover of Mobile Mini-Rice Mills in Region 9 from Region 9 and 2 coops from ARMM Region. They are to re- ceive a grant worth Nine Hundred Thousand Pesos (P900,000.00) each coop-beneficiary which shall be utilized for the acquisition of a mobile mini rice mill with de-ston- er worth P650,000.00 and a live- lihood assistance of P250,000.00. The program is envisioned to help these cooperatives to be more ef- ficient in the delivery of services and additional source of income to the members that will redound to poverty reduction in their respec- tive community. The beneficiaries of the above program were thorough- ly chosen among cooperatives in the, engaged in agricultural activi- ties that are financially stable and operationally viable. The selection was based on specific criteria, this Extension Office identified the qualified cooperatives who are to be the beneficiary of the program, namely:

1. Goodyear Agrarian Reform Beneficiaries Multi-Purpose Coop- In the continuous pursuit various sectors, implements the Relevance to this, Senator Joseph erative; for better service and COOPER- Strengthening of Linkages with Victor G. Ejercito proposed for the 2. Labangan Farmers First Con- ATIVISM, the Cooperative De- the National Governments Agen- allocation of funds to the CDA for solidated Multi-Purpose Coopera- velopment Authority in its aim to cies, Local Government Units, the program known as the Mindan- Continue to p. 7 strengthen its partnership with the Academe and other Stakeholders. ao Peace Normalization through Page 6 CDA @phcoops PH Cooperatives News A Beautiful.. from P.6 Lamac MPC Hosts.. from P.4 CDA DAVAO JOINS SERBISYO CARA- tive (LAFFICO-MPC); 3. SAVACOMFAS Multi-Purpose Mr. Milinda Rajapaksha, Coun- VAN IN PAQUIBATO, DAVAO CITY Cooperative; cil Member, Colombo Municipal 4. Sicpao Farmers Multi-Purpose Council, CDA-OIC Chair, Mr. Ben- Cooperative; jamin S. Oliva, CDA Administrator 5. Sta. Felomina Farmers Mercedes Castillo, NATTCO CEO Multi-Purpose Cooperative; Sylvia Paragoya, and Director 6. Alicia Neighborhood Multi-Pur- Nora P. Patron. pose Cooperative; The delegates had a unique and 7. Basilan Inland Farmers Aquatic wonderful experience gained Marine Cooperative (ARMM) and during the activity. One of the 8. Sulu Agri-Fishery Producers highlights of the event is the emer- Cooperative. sion in the barangay of which the In August 15, 2018, this delegates were made to experi- office launched the Ceremonial ence the warm hospitality of the Turn-Over for Mobile Mini Rice people and actual farm cultivation. Mill with De-Stoner at the LAFFI- They were made to do the planting CO-MPC warehouse, located at of rice in the muddy field, milking Bulanit, Labangan, Zamboanga of dairy carabaos, grafting of ca- del Sur. The program was attend- cao seedlings, coco twining and AQUIBATO – The Coopera- Zara B. Perez as well as the Coop- ed by the CDA Staffs headed by making of organic pesticide and Ptive Development Authority erative Development Specialist in Regional Director Ruben L. Cu- – Davao Extension Office (CDA the area, Ms. Gaetanina A. Fami- nanan; a representative coming Davao) has joined together with lar to cater to possible requests or from the Department of Agricul- other government agencies in Re- questions about cooperatives that ture in the person of Gianipa A. gion XI in bringing government any client may bring up. Manupac; Board of Administrator services closer to the grassroots Paisal I. Cali of the CDA Central during this year’s Serbisyo Cara- As partner of ARENA in this Office; Mr. Pendatun B. Disimban, van, held in far-flung Sitio Pana- endeavor, Davao City Mayor Sara a former member of the CDA BOA ga, Paquibato District, Davao City, Duterte Carpio likewise brought and now a CDA consultant; and May 17-18, 2018. the services of the City Govern- the coop beneficiaries. ment of Davao as counterpart of The turnover ceremony CDA Davao has been the various national government was opened through a short pro- an active participant of Serbisyo agencies. President Rodrigo Roa gram and machine testing of the Caravan which is a quarterly ser- Duterte, who was also invited to machines together with the re- vice event under the auspices of grace the occasion, was not able to spective beneficiaries. In her mes- fertilizer. the Association of Regional Ex- join due to previous commitment. sage, LAFFICO-MPC Chairperson ecutives of National Agencies in He however sent Presidential Po- Lorna B. Abenes, extended their The three-day activity was Region XI (ARENA - XI). Director litical Adviser Secretary Francis N. gratitude to the agency for being culminated during the dinner at Elma R. Oguis has brought all unit Tolentino to represent him in the one of the recipients of the pro- the Cebu Provincial Capitol, with heads, namely Antonio C. Esco- event. Serbisyo Caravan served gram, out of 400 plus cooperatives Governor Hilario P. Davide III and bar, Glenn S. Garcia, Noemi A. the Ata tribe in the area. within the region. She described staff at the Cebu Capitol Social Magabilen, Leslie D. Armendi and the machine quoting, “what a Hall, Cebu City. Continue to p. 10

Cooperativism Empowers PWDs: The Story of Northern Mindanao Holistic Therapeutic Blind Masseurs Service Cooperative when do. Even as they are blind, they rules of the business owners. Arch- saw each other’s needs, thus their bishop sensibility even with less of the There are at present three An- senses. members of the Board of Direc- tonio tors who are blind, others are with Ledes- The big day came on No- sight but directly related to other ma, vember 6, 2014, when the CDA blind masseurs-members of the S.J. registered the Northern Mindanao cooperative. Their number have of the Holistic Therapeutic Blind Mas- gone down to nineteen, but there Archdi- seurs Service Cooperative. This are other blind masseurs who ocese came after the CDA had assisted have signified to join them. o f the group, first with the pre-reg- Just like any other orga- aving less of the senses is istration seminar, the preparation nizations, they have experienced Hnot senseless. This truism is Cagayan de Oro gave them the of the documents, and thereaf- a down moment in their cooper- specifically exemplified by the 23 break they needed by extending ter, giving assistance in basics of ative. This is understandable, blind persons and persons with to them P250,000.00 they used cooperativism and good gover- as they are vulnerable to oppor- special needs in Cagayan de Oro to come together and organized nance. tunists and users. There was the City in Region 10. themselves. problem of their treasurer who ran With the continuous guid- with their money, but they have re- Gifted with life but lost their For years, they have been ance and capability assistance covered from this down moment. sight due to sickness during infan- working as masseuse, and that from the CDA, the cooperative They have learned from this ex- cy, others born without, and born was their way of earning a living, was able to fully pay the initial soft perience and they have become without the silver spoon in their but they each worked on their loan extended to them by Arch- wary. mouth so to speak, these people own. Either they have been hired bishop Ledesma. Today, they are still happy and thankful, for at institutions, by private persons, have three (3) massage clinics. As they stood to regain their touch has been enhanced business owners, and others are Even with the exorbitant rent of from the down moment, they be- that they can use their hands to just working in the area that was the spaces they have been main- came stronger in faith, and firmer relax and heal, those who are given to blind masseurs in the city. taining, still, they believe that reg- in resolve that they will make do weary in body and mind. istering as a cooperative is the with their cooperative, and that The big break came for biggest and best thing that hap- they have to practice the spirit that They have been giving ser- them when they were linked with pened to them. Through cooper- brought them all together – the vices as blind masseurs, but the the CDA. They were interested ativism, blind masseurs really feel spirit of cooperativism, and the opportunity of coming together, of to come together, and together that they own their business, they sensibility of not being senseless! working for each other’s needs, fulfill each of their dreams – to be are happy to decide for their co- for supporting each other, came sustainable in the craft that they operative, they are free from the CDA @phcoops PH Cooperatives Page 7 News B’laan... from P.1 association signified their interest sionally, traders come to buy their to be a member of the coopera- ZAMBO CCDC HOLDS products in a very low price, to the tive. They realized the unique- disadvantage of the farmers. ness of the cooperative wherein 2ND GENERAL ASSEM- all members share in the net sur- Before being registered plus of the cooperative through as a cooperative, the group was dividends and patronage refund. BLY OF COOPERATIVES registered as an association with the Department of Labor and Em- According to Mr. Cesar ployment (DOLE). One day while Masilli, Jr., former Manager of Mr. Cesar Masili, Jr., the Manag- the association and now the coop er of the association, driving his Manager, “This is it, the real an- motorcycle going to town proper, swer to poverty… a silhouette of he saw a so-called “bukag” or a a morning sun that shines to the large basket full of “cardava” a va- B’laan tribe”. riety of banana that are about to perish and was dumped along the The CDA-DAR Partner- road. He was so dismayed and ship Program enabled the B’laan took pity of his constituents and farmers have access directly to thought that if said products could the market and to have control on be marketed it will give them an their future. Now, their cardava ba- additional income. He is aware of nana products is linked/marketed he Western Mindanao Federa- ed that these requirements must the predicament of his residents directly to Liberty Fruits company Ttion of Cooperatives (WMFED- be strictly observed and submit- and envisioned to help and assist in Kidapawan City. The delivery CO), in close coordination with the ted. uplifting their economic status. is twice a month with an average Zamboanga City Cooperative De- Another topic that was Timely, the Department of Agrar- of 40 tons of cardava banana per velopment Council (ZCCDC) and discussed in the event was the ian Reform (DAR)-Catholic Relief delivery. the Cooperative Development Modernization of Public Trans- Service visited their place. Authority (CDA) IX Pagadian-Ex- port by virtue of the Public Utility United through coopera- tension Office conducted the 2nd Vehicle Modernization Program There was a consultation tivism, their product delivery in- ZCCDC General Assembly (GA) (PUVMP) launched by the De- and a Need Assessment was con- creases and can now demand of Cooperatives last August 3, partment of Transportation of the ducted. During the consultation their price. Roads from their ba- 2018, at Crystal Ballroom, Grand Philippines in 2017. The goal of with the DAR and the inhabitants, rangay to town proper were im- Astoria Hotel, Climaco Avenue, which is to make the country’s the following problems were iden- proved except for sitios to baran- Zamboanga City. public transportation system effi- tified by the farmers: 1.) Prod- gay road which is not under their The primary purpose of cient and environmentally friend- uct market, 2.) Product price, 3.) control. Slowly, their issues and the event was to provide informa- ly by 2020. The program calls for Freight handling, and 4.) Farm to concerns were being addressed tion and business opportunities to the phasing-out jeepneys, buses market road. through DAR and CDA interven- cooperatives for possible expan- and other Public Utility Vehicles tions. sion and/or partnerships of busi- (PUVs) that are at least 15 years When the CDA-DAR part- ness endeavors in the region. old and replacing them with safer, nership began implementing its The cooperative, inspired The highlight of the event more comfortable and more envi- 2nd phase program, the DAR iden- by the assistance and guidance is for the dissemination of infor- ronmentally-friendly alternatives tified the association as one of the provided by CDA and DAR, is now mation on the following topics over the next three years. This, coops to be registered under the confident that their dreams and namely: Economic Status of Zam- program gives an opportunity to CDA-DAR Partnership Program. aspirations of being drawn into the boanga City; Tax Management the coop sector especially that the CDA and DAR jointly encouraged mainstream of development pro- Transparency Act (TIMTA) Law or Government is giving opportunity the association to register as a co- cess and have an economic well- RA 10708; Modernization of Pub- to the transport cooperatives to operative. The idea was accepted being for the B’laan community. lic Transport; and Financial Insti- participate in the transition of the by the group, so on October 13, With the active participation of the tutions. Modernization Program. 2017, a Pre-Registration Seminar members and the commitment of The speakers of the event In the topic of Financial was conducted by the Coopera- officers to give quality services to were representing the different Institution, Mr. Eulogio M. Nortiga tive Development Authority. It was their members, the sun has finally Government Agencies who has Jr., a representative of Zamboan- registered in May 21, 2018. shines on the B’laan ARB Cooper- the implementing and regulatory ga Lending Center, LBP, featured ative. authority over such programs. their program in offering loans to At first, not all members of On the topic on Econom- cooperatives. Such loan bears the association joined the group ic Status of Zamboanga City, Mr. a very conscionable term which but lately more members of the Ronnie A. Natividad, the Execu- could effectively give financial tive Director of ZCCCIFI, empha- assistance to the cooperatives. sized and encouraged in investing Another speaker was Mr. Arturo in the field of agriculture, which Gustavo S. Eustaquio, the Man- is one of the most promising in- ager of Banco Cooperativa De come generating avenue which Zamboanga (BCDZ). Mr. Gustavo the coop sector could penetrate promoted their borrowing services and establish within the City. He and other financial assistance, assured that the City Government and also invited to enroll and be will be hand-in-hand in giving as- a member of their cooperative. sistance and support to the sector He also encouraged depositing in their venture in Agriculture. to their entity, which could recip- CDA Regional Director rocally benefit not only the entity CSF... from P.1 Dinagatnons, saying that there is Ruben L. Cunanan, presented but also the depositor and their ity, and Regional Director Genaro no reason for CSF not to succeed and explained the implementation coop-members. D. Pogata of CDA-Caraga Exten- in PDI because the cooperatives of the Tax Incentive Management The event was conduct- sion Office were among the guests in the island have exemplified the Transparency Act (TIMTA) Law or ed free of registration and other during the event, along with Hon- highest degree of cooperativism. RA 10708 and the Transport Co- monetary obligations. This was orable Vice Gov. Benglen B. Ecleo and the Board members of Dinagat On the other hand, Vice operative Registration and other by virtue of the Zamboanga City Provincial Government. Gov. Ecleo expressed gratitude to related policies. Dir. Cunanan Cooperative Development Or- According to Mr. Tolenti- BSP, CDA, LBP, DBP and Cooper- informed that under the law, it dinance which was funded and no, “with the launching of CSF in atives in coming together and work- requires for the submission of budget allocated by the City Gov- Dinagat Islands, which is the 53rd ing for the realization of CSF in PDI. the Tax Incentive Annual Report, ernment of Zamboanga. This is a in the country, I am hopeful for its which was in addendum to the great manifestation and assertion success. If the MSMEs and coop- According to Ecleo, “I be- eratives succeed, the entire country lieve in CDA and I believe in the usual requirements that must be that Coop Sector plays a vital role succeed”. saying of cooperatives: Alone I am submitted to the BIR, which may in nation-building and in the fight weak, but with others I am strong”. take effect this year or in the year against poverty. On his part, Chairman Ra- 2019. Thus, Dir. Cunanan remind- vanera gave his encouragement to Page 8 CDA @phcoops PH Cooperatives above program were thorough- ly chosen among cooperatives in the, engaged in agricultural activi- ties that are financially stable and operationally viable. The selection was based on specific criteria, this Extension Office identified the above program were thorough- qualified cooperatives who are to ly chosen among cooperatives in be the beneficiary of the program, the, engaged in agricultural activi- namely: ties that are financially stable and operationally viable. The selection 1. Goodyear Agrarian Reform was based on specific criteria, Beneficiaries Multi-Purpose Coop- this Extension Office identified the erative; qualified cooperatives who are to 2. Labangan Farmers First Con- be the beneficiary of the program, solidated Multi-Purpose Coopera- namely: tive (LAFFICO-MPC); 3. SAVACOMFAS Multi-Purpose 1. Goodyear Agrarian Reform Cooperative; Beneficiaries Multi-Purpose Coop- 4. Sicpao Farmers Multi-Purpose erative; Cooperative; 2. Labangan Farmers First Con- solidated Multi-Purpose Coopera- tive (LAFFICO-MPC); 3. SAVACOMFAS Multi-Purpose Cooperative; 4. Sicpao Farmers Multi-Purpose Cooperative;

News 1997 and other laws are effectively Mr. Aparece, Jr. discussed the up- Western Visayas.. from P. 2 CDA, RCDC XI... from P.2 deemed repealed. A question was dates on the President’s plan for asked by Ms. Doreen Catayoc, the move to federalism, the pro- then, mentioned that the main CDS II of the CDA-DEO, regard- posed Constituent Assembly to purpose in conducting the summit On the other hand, Lezo ing BIR communication requiring replace the requirement under Ar- was to educate the participants MPC, from the Municipality of a cooperative to bring its cooper- ticle 17 of the 1987 Constitution, with regard to the TRAIN law and Lezo, Aklan, KOOPERATIBA NA- ative books to the BIR office for and other problematic provisions FEDERALISM and their effects on examination. When asked wheth- of the present Constitution. Arch. TON MPC, in the Municipality of the coop sector. er the TRAIN law gives the BIR Chito Gavino explained that with Tigbauan, Iloilo and Progressive the power to require such act, the the federal form of government, Women Agrarian Reform Cooper- Hon. Abdulsalam Guinomla, speakers gave no definite answer. cooperatives will be governed by CDA Ad- ative (PWARC) in the Municipality the regional government, ministrator, of Dumarao, Capiz are national as opposed to being inspired nominees vying under the Medi- under the national gov- the par- ernment. Some national um Scale Category. ticipants government power will with words be transferred regional- urging co- In the category of Best ly, allowing every region operatives Performing LGU-CDO, Bacolod to craft their own laws to main- City Cooperative and Livelihood based on the needs of tain unity, the constituents. Development Office (BCCLDO), especially is likewise included in the shortlist with the The Concepts & of National Nominees. While Ms. inevitable Features of Koop Kapatid passing of Joy Doronila Palmada, Chairper- Program was discussed Phase 2 of son of Pavia Entrepreneurs MPC, by Mr. Antonio C. Esco- the TRAIN is the region’s bet for the Most bar, Supervising CDS of law that CDA-DEO. The Koop Outstanding Regional Coopera- may direct- Kapatid Program is said tive Leader. ly affect to be part of the devel- coopera- opmental activity done tives. He Four (4) National Validat- by the CDA as part of its maintained ing Teams conducted validations developmental functions. that co- in Region 6 for the national nomi- The purpose of the pro- operative They suggested that the cooper- gram is to revitalize, activate and nees in various categories. What- fora and summits such as the one ative write the BIR a request that resuscitate non-compliant coop- ever happens in the national level, being held, are important as they the examination be conducted in eratives, capacitate cooperatives all the contenders are winners of allow for collaboration among co- the cooperative office instead. In to be able to compete globally, operatives. their own rights. addition, when asked whether the introduce value-chain activities

requirements (letter of authority for product improvement, and The first topic, the TRAIN CONGRATULATIONS from BIR and authorization from promote the idea of merger and law, was discussed by Mr. Patrick CDA) before a cooperative may consolidation. The functions of and the writer is fervently hoping Louie V. Santos and Ms. Sheila be examined under the “Joint the CDA are: to identify micro and for the BEST! Mae G. Espiritu, Bureau of Inter- Rules and Regulation Implement- small cooperatives willing to be nal Revenue employees. They ing Articles 60,61 and 144 of RA part of the program, and give due mentioned that phase 1 of the 9520, otherwise known as the recognition to medium and large Member Consumers...from P.1 TRAIN law, effective January 1, Philippines Cooperative Code of cooperatives that successfully 2018, focused on individual tax- 2008, in relation to RA 8424, or the took part in the program. the fact that they have been pay- es, thereby excluding the coop- National Internal Revenue Code” ing for the amortization of loans eratives in its application. On the is repealed because of the TRAIN The Koop Kapatid Program and for the re-investment. These other hand, phase 2, effective in law, the speakers answered in the is composed of two parties: the ECs have not all these years is- the immediate future, will involve affirmative. They provided Section small brother – micro and small sued patronage credit to recog- tax consequences of corpora- 4 of the TRAIN law, which states, cooperatives, and the big brother nize members’ individual capital tions and cooperatives. Since the in part: “the Commissioner or his – medium and large cooperatives. contribution, in gross violation of contents of phase 2 have not yet duly authorized representative Based on the interests of both co- what has been provided for in the been released to the public, no may authorize the examination of operatives, a small brother will be EC’s By-Laws and in mockery of discussion was had regarding it. any taxpayer and the assessment partnered to a big brother. The big the Resolution No. 065 of the Na- of the correct amount of tax, not- brother will assist the small broth- tional Electrification Administra- withstanding any law requiring the er in terms of technical, financial tion. One can only surmise that The open forum evinced prior authorization of any govern- and operational assistance, con- they have been deprived of such a lively atmosphere as most par- ment agency or instrumentality…” duct of mandatory/seminars, and right because those running the ticipants were interested and de- audit subsidy. This program has affairs of these ECs have all these termined to know how the present no term limit and will depend on years formed a powerful cabal of TRAIN law affects cooperatives. The topic on Federalism the mutual agreement of both par- vested interests. Unfortunately, the speakers were was discussed by the Hugpong ties Why must Electric Co- unable to answer all questions as Federal Movement of the Philip- operatives register with CDA? they themselves are in the dark as pines, represented by Mr. Conra- The 2018 Regional Cooper- Enough is enough of 5 decades of to the contents of phase 2. Ques- do Pacifico Manigue, Jr., Mr. Can- ative Summit ended with the cer- social injustice committed against tions, then, focused on how phase dido “Jun” Aparece, Jr., and Arch. emonial signing of several Memo- the Filipino People!! In essence, 1 indirectly affects cooperatives, Chito Gavino. randum of Agreements relating to a cooperative is owned by the and about BIR rules, in general. the Koop Kapatid Program by Ms. people. As owners, they enjoy all Mr. Manigque, Jr. introduced Elma R. Oguis, CDA Extension aspects of ownership, including the concept of Federalism and its Office Director XI, and the parties. the fair share of the risks and ben- With the effectivity of the TRAIN advantages. efits of the undertaking. This may law, many provisions of the NIRC take on the form of returns by way of interest on capital and patron- age refund. indomitable force. People have ers were enticed with bags of gro- to its mandate having been cre- Basing on the declaration come to realize that not only must cery items and other goodies to of the MCO’s in the summits and ated by the 1987 Constitution to they enjoy the benefits of being a sway their mindset. Lies and de- convergences of the past, the up- promote the viability and growth member of an electric cooperative ceits were employed to cast doubt of cooperatives as instruments of by enjoying the benefits on the economic viability of the of ownership, but that electric cooperative if it would be equity, social justice and econom- they should also have a registered with the Cooperative ic development. CDA is the sole say in the management Development Authority. Rumors registering agency of all types of and direction of the elec- were spread and widespread fear cooperatives as provided for in its tric cooperative in order was sowed that the electric coop- Charter. to fully address the ba- erative would die in the hands of sic needs of the people. the CDA and that member-con- To put all so-called Electric A formidable ar- sumers would end up paying Cooperatives under CDA to free senal of lies, deceit, more if the registration with CDA our people from the quagmire of fear-mongering and would push through. social injustice and poverty will be cash-backed lobbying We must now rectify a so- a big VICTORY as the President has been unleashed to cial wrong committed against the will correct a legal flaw and a so- ensure the continued proliferation surge of demand by member-con- Filipino people as the 11 million and hold of private interests over cial wrong that have been perpet- sumers to convert and register electric cooperatives. A virtual members cover some 55 million uated all these years. with CDA as efficiently managed army has been raised to combat Filipinos in a family of five. It be- and independent cooperatives the social and economic upheaval hooves upon the Cooperative have swelled and has become an of the people. Member-consum- Development Authority to be true CDA @phcoops PH Cooperatives Page 9 FEATURES WOMEN’S COOPERATIVE DESERVES A BETTER DEAL Basilan Province, particularly Pi- las Island and Luuk-Bungsud Ba- rangay located at Municipality of Lantawan, Basilan, wherein most of the fishing ground is located.

Despite the unstable peace and order in the province, these brave women from the co- operative are determined to pur- sue their aspirations through co- operatives because they believed that cooperative is the vehicle for their economic and social devel- opment.

Fishing is one of the main sources of livelihood of the peo- ple in the different municipalities of Basilan.

The cooperative is not yet affiliated with any secondary cooperative since there is no ex- The cooperative is en- isting federations and unions in gaged in fish drying and home- the province. However, the coop- made bottled sardines as their erative linked with the Barangay main business. As a cooperative Fishermen Council of Luuk-Bung- they themselves were able to pro- sud Lanatawan Municipality un- vide the needs of the members in der ARMM since their main fishing terms of employment and source ground is located in the said area. of income since most of the mem- The cooperative participated in bers are plain housewives. But the outreach activity of the baran- now they were able to help their gay specifically The Love Drive atima Fishermen Cooperative City, Basilan Province. It was reg- husband and provide additional Activity, the aim of which is to give is a duly registered cooper- istered in September 16, 2015 income for the needs of the fam- F relief goods to the fire victims and ative with Cooperative Develop- and is composed of 25 members, ily and especially the education indigenous people. It also joined ment Authority Pagadian Exten- mostly are women, with a capital of their children. The resources Anti-Drug and Insurgency Cam- sion Office. The principal address build-up of Php 105, 000.00. come from the neighboring is- paign of the military and LGU in is Purok 8, Sunset,Tabuk, Isabela lands of different municipalities of the area of operation of the coop- A Beautiful.. from P.7 erative. beautiful rice mill . . . what a high- who is behind of the success of MPN-CODE Program, the agency tech machine”, she said. It was this program. “Let us be thankful to has proved to the Department of Presently, the coop seeks indeed a beautiful blessing for our Sen. JV Ejercito who worked hard Budget and Management that the the technical assistance of the beneficiaries and to this office, to for the realization of this program”, office is not merely a regulatory DOST to improve and develop its be able to extend our assistance he added. “Gusto natin madagda- agency. Through Sen. JV Ejercito homemade bottled sardines proj- to the respective cooperatives for gan ang kita ninyu, ng mga farm- who championed in the delibera- ect. them to be able to give a better ers. At mawala ang hirap ng mga tion for budget allocation for the service to their members. farmers”, he said. He also quoted mini rice mill, the DBM cannot now During the program, the in addendum, “ pinaka mahirap na deny that it is also a mandate that Coop’s Vision-Mission and office then signed a Memorandum katotohanan, ang mga farmers ay this office to also have a budget. Core Values of Agreement and Deed of Dona- walang makain. . .dahil sila ang Hence, for over 20 years that we tion in person of RD Ruben L. Cu- nagpapakain sa buong Pilipinas”. started to extend our service and Vision: The Cooperative will nanan, with the representatives of One of most distinguished guests help we are no longer a regulatory be able to contribute and help the beneficiary-coops. The MOA of the occasion was the former agency, and Sen. Ejercito shall be develop the Fishing Industry therein cited the responsibilities member of CDA BOA and now a a hand in hand partner of the coop of the cooperatives after receiving consultant of the agency, former sector towards this mandate. in the City of Isabela, Basilan the machines and livelihood assis- Admin. Pendatun B. Disimban. Mr. Province. tance. The Deed of Donation is a Disimban is one of the persons The program does not only Mission: Procure fish and oth- justification and a prima facie ev- who suggested to the Task Force benefit the recipients of the ma- er marine product and process idence that the office transferred Marawi to give the city mobile rice chines, but it is also a blessing to to a high value production. the ownership and rights thereon mill. It was due to fact that during this office and its entire partner to the recipient coops. After the the Marawi siege, 23 big rice mills sector. This program had made a Core Values: Self-determi- signing of MOA and Deed of Do- were destroyed which is within the new pace in determining the ca- nation, Admin. Paisal I. Cali gave ground zero of the city during the pability and ability of this office not nation, God-fearing, honesty his message. In his message, he war. Thus, this is one of the pur- as a mere regulatory agency, but and integrity of the members said that, “not only are the ma- poses of the program, to be able also a hand in hand partner for a of the cooperative. chines tested, but also our bene- to give an immediate assistance change and development through ficiaries who were under the sun”. within their doorsteps. Mr. Disim- COOPERATIVISM. Admin Cali highlighted the person ban also added that because of the

Page 10 CDA @phcoops PH Cooperatives FEATURES Francisco, the Dumagats have The Dumagats have ex- been struggling to meet their ba- pressed that they are aware that sic needs. For instance, the whole their traditions are being slow- PAFCPIC Helps tribe only receives an average of ly eroded by the effects of mod- 12 sacks of rice monthly coming ernization, but the indigents also Mainstreaming from donations, not enough to recognize that it is something that feed the 92 indigents. The tribe cannot be avoided. They know is also having a hard time every that the only way to preserve their Indigenous People the school year finding sponsors for cultural heritage is to allow it to their students (currently 53 stu- evolve and change with time, so dents). Furthermore, the tribe has that it can be appreciated across Cooperative Way been facing an uphill task in pre- different generations of their tribe. serving their ancient belief sys- In Philippine context, the IP com- (Contributed by PAFCPIC) tem, language and culture. munities in Sitio Pureg, Cagayan Province, Capas Tarlac and Nue- side from organizing com- Council of Elders, Punduhan sa Like most of the Indige- va Ecija have embraced the use Amunities in the areas it is op- Dumagat is now being managed nous People around the world, of laptops and computers in their erating, one of Philippine Army by Sierra Madre Environmental Dumagats have not only faced everyday lives. According to them, Finance Center Producers Inte- Society, Inc. (SSMESI), a group serious discrimination in terms making use of technology will be a grated Cooperative’s (PAFCPIC’s) of environmental advocate group of their basic rights and erosion big factor for the local community goals this year is to identify poor which helps bring the plight of of their ancestral lands, languag- in promoting and preserving their and disadvantaged sectors and the natives and protection of their es, cultures, and forms of gover- culture. provide them with assistance environment. The area which is nance, but also in terms of access based on the study that the coop under the jurisdiction of the 48th to basic social services. With this, the cooperative will be conducting. Infantry Battalion of the 7th Infan- donates a digital camera, a record- try Division of the Philippine Army To validate and to gain er and laptop on August 17, 2018. Punduhan ng mga Dum- and with the help of different NGO better understanding of the Du- The cooperative would then give agat (Looban Sitio Suha, Baran- groups, individual stakeholders magats and their situation, PAF- training on proper ways of using gay San Mateo) is a 10- hectare and private corporation, had ini- CPIC had a three-day immersion all the devices for recording. Hav- property purchased by the Nation- tiate to reforest the nearby areas in the area and the following were ing knowledge in digital camera, al Power Corporation few years in a drive to help protect the land- discussed during Focus Group recorder and laptop could help ago within the town of Norzaga- scape. They have been providing Discussions. them in preserving their culture by ray in Bulacan province near the outreach programs like donation The following programs will be saving or recording their language famed Angat Dam. This serves as of school supplies, canned goods conducted in October (all of which spoken and written. They could a focal point, cultural and trading and clothes to the indigenous were approved by their tribal also work on translations to their activities for the Agta-Bulos, Aeta tribes. chieftain): endangered ancestral language, or Dumagats tribes living within songs and dances and store them their traditional ancestral domain. Despite of all these efforts, a.Preserving the culture by letting in the laptop. Through the Solicited Program according to the founder of the SS- it evolve b. Bringing Dumagat students to agreement 2014 which were ap- MESI and also PAFCPIC’s contact the school proved by the Dumagat Tribal person in the area, Brother Martin Continue to p.13 Trash to Treasure:

The Story of San can attest that their situation now When the founding mem- 20%. can be attributed to their coopera- ber started in 2001, their paid-up Jose Sico Landfill tive. It is because of their cooper- capital was only Php14,050.00. Not only that! The then as- MPC By Ronde D. Alicaya ative that they were able to send In 2013, they were able to raised sociation of ordinary people who their children to college, build their their membership to 45 and with were in unstable job, are now em- he San Jose Sico Landfill decent homes, stable income and paid-up capital of Php84,600. ploying 20 people from the com- Multi-purpose Cooperative T provide stable livelihood in the munity with minimum salaries. was originally an association of community. With CDA’s intervention, The coop now boasts its different waste pickers and waste sorters of SJSLMPC in 2017 was able to ac- businesses that cater the needs landfill, situated in Brgy. San Jose Most of all, when they cumulate a total asset of Php7.8 of its members, to include; scrap Sico, Batangas City. Their situa- received the Hand-holding Pro- million and paid-up capital of buying and trading, lending, con- tion then was okay as far as life gram, SJSLMPC had leapfrogged Php3.478 million. From the orig- sumer store, rice trading, hollow sustenance was concerned. But significantly and have set a clear- inal 18 members, the coop has blocks making, vermi-compost- it was after they were organized er path and direction towards in- now 348 regular members and 80 ing, hauling of garbage from pri- into a cooperative that the lives of clusive growth, economic freedom associate members, all are en- vate companies using their four the members were changed. and sustainability. joying the yearly dividend of 20% trucks and hog raising. and patronage refund of about 18- Each member of the board The cooperative was able to acquire also a 3,000 square meter property where they built their cooperative building and serves as its business center and a lot where they built their con- sumer store.

Now, they give back their blessing to the community by adopting four schools as bene- ficiaries for their distribution of school supplies for school chil- dren during the opening of class- es.

The board headed by Chairman Rex B. De Guzman is also planning to acquire more properties for the expansion of their consumer store and rice trading business.

CDA @phcoops PH Cooperatives Page 11 FEATURES Cooperative: Making Lives Better By: Jurela V. Cruz and Leann R. Fontanilla

strong materials. He is also man- aging their small sari-sari store as additional source of income.

“IDEA MPC helped me a lot in all aspects of my life”, said Mr. Edgardo Cadiz.

“Malaki ang pasasalamat ko sa koop dahil ito ang nagbigay ng mas mahaba pang buhay sa akin”, he added.

Until now, he still enjoys the products, services and ben- efits of being a member of the IDEA MPC. Patronizing the co- operative’s products and services continuously made him in the list of members with highest share capital contribution amounting to P191,800. He is currently ranked number 16 out of the 360 regular and associate members.

According to him, “when joining a cooperative, it is import- ant to trust yourself and the offi- cers. You should believe first in yourself. How you trust yourself should also be the same trust giv- en to the officers.” n 1990, Isabela DAR Employees tive would be of great help to him to take advantage of the offer of Association Multi-Purpose Co- and to his family as well. Ropali Motors. He was able to I He also recommended operative was organized with an purchase three motorcycles from that Pre-Membership Education objective to alleviate the plight of Mr. Cadiz started with an Ropali Motors. His fourth, fifth and Seminar should be taken serious- DAR employees who most often initial capital of P2, 000.00 and a sixth tricycles were acquired from ly because it is the first step to find themselves being taken ad- P100 monthly deduction from his Motortrade, private individual and understanding how a cooperative vantage of abusive moneylenders salary. After earning a share of Providers MPC. The purchase of works. with high interest rate. P5,000.00, he had his first loan. the six units of tricycle was made With the right mindset of where possible through the lending win- It is very evident that Mr. It was 1998 when Edgardo to spend the loaned amount, he dow offered by IDEA MPC. From Cadiz has no regret in joining Cadiz, resident of Alibagu, City of thought of investing the money these, Mr. Cadiz was able to cre- IDEA MPC. Everything that he Ilagan, Isabela was hired as driv- to an income generating unit. He ate employment to six tricycle has now, in a way or another, is er in the DAR Provincial Office of bought a motorcycle with sidecar drivers. through the help of the coopera- Isabela. His contract for the agen- and have this be rented by tricy- tive. Indeed, although not much cy is good for two years only. With cle drivers with a minimal daily Most importantly, through appreciated, cooperatives change this circumstance, he thought of remittance of Php 120 – 150 dai- IDEA MPC, Mr. Cadiz was able to the way of life of its members. other options to sustain his living ly. The motorcycle unit is payable send his four children to school. What makes it different from other before his contract ends. Having in three years but because of his His children finished Legal Man- business organizations is that, it is heard of the services IDEA MPC good record and on time pay- agement, Secondary Education, not profit oriented. Rather it focus- offers to its members, he imme- ment on his first year, Ropali Mo- Business Administration and Au- es more on how to serve its mem- diately joined the cooperative few tors offered him another unit. So, to-diesel Mechanic. In addition, he bers best. It is different because it months after his employment. He he again borrowed money from was able to build a resilient house has a heart for its members and had high hopes that this coopera- IDEA MPC for his down payment for his family made of cement and the community as well.

Can We Succeed thru.. AFCCUI’S...from P.15 her employees as an appreciation of from P.16 their contribution to success of their that global corporation are controlling without the Solidarity Night which long-time barangay official but he is business. our media and they are not telling inspired the member-affiliates in now helping her in their business. the truth. For all of us who planted working and performing far better in Not only has the cooperative cooperativism are on the right way, Elvina is very thankful to their continuing dreams and in influ- OLLS MPC for the life-changing op- had the concern for the community, we worked for the prosperity of all for encing ideals to improve cooperative portunity she has found. She had Elvina, as a coop member also prac- no one shall be left behind. We also grown financially and professionally tices the 7th principle of the coop- have to work hard on the formation of relationship among them, drawing but she remained humble despite be- erative. She is having an annual gift values of human persons by enrich- strengths to be ONE in uplifting the ing blessed. She shares all the knowl- giving to less fortunate indigenous ing ourselves with spirituality, too. lives of their members and surround- edge and skills she have through free people in the Province during her He informed the crowd that ing cooperatives in pursuing various birthdays. the Philippines, as a nation is rich with trainings, without thinking that those cooperative endeavors for the future. being taught can be her competi- When asked what is her for- its biodiversity, but our wealth was not The Solidarity Night includes tors someday. Among those being mula of success, “Faith in God + Self being utilized by us but by the foreign taught, she randomly selects recip- discipline + Right spending of loans countries in simple terms other coun- dinner with Acoustic Band, Coop Got ients of free sewing machine. With availed from the coop + love for the ties exploit our resources. To sustain Talent showcasing various talent of the newly acquired skills and facility, COOP = HAPPINESS. As a member, cooperative, we must have transfor- coop members, officers and staff we should love our COOP, we should it is with no doubt that these people mative cooperative for people, saved hosted by Daniel N. Vescatcho, Jr. show care to our COOP. As an of- the environment, must have sustain- will already be able to earn on their BOD Member, SJMPC, San Jose An- own. She believes that if someone ficer, we have to take good care of able agriculture for the root cause of tique. can be successful, others should be every member’s money because they poverty is the powerlessness of the successful too. In fact, she employs worked hard for every cents they con- people. The one-day celebration ended with tribute to the cooperative”, she an- senior citizens, the oldest of which is The AFCCUI Golden Jubilee the BIG BANG of success! Made us 74 years old, as long as they are able swered Celebration will never be complete PROUD! to work. She even gives incentives to Page 12 CDA @phcoops PH Cooperatives FEATURES From Vision to Realization: The Story of the Man Behind NOVADECI By: Ronde D. Alicaya that he already abandoned bingo games, raffles, and beauty the insurgent mindset and pageant to generate funds. And instead was contemplating the rest is history. on the idea of cooperative system to advance his cause Forty-two years later, of helping the Filipinos. That NOVADECI is a P2.5 billion coop- gave Ka Pet an idea of or- erative, with 8 branches and more ganizing the market vendors than 40 thousand members. And and sought help from the from a cooperative in a barangay then Bureau of Cooperative in Quezon City, now NOVADECI Development (BCOD). is nationally significant. In fact, it ranked 22 of the top 100 cooper- He gathered 14 other ven- atives in 2017. Their current lead- dors from the Central Market ers are also planning to establish and from nearby markets a hospital, a housing project, and of Novaliches to undergo other programs for the well-being a seminar on cooperative of their members and the commu- through the BCOD. After nity. complying the necessary re- quirements, they registered Ka Pet is now happily re- their coop as Novaliches tired in the Board but he is still Vendors Credit Union, Inc. a member, and I think until the (L-R) The main Office of NOVADECI located at Buenamar Cor. Sarmiento Sts., Novaliches (NVCUI) with 15 founding very end, he will be a member of members and Ka Pet as the NOVADECI. Quezon City. Mr. Pedro “Ka Pet” De Jesus with the writer at his residence in Bulacan. Chairman. In 1978, it was re-registered as Novaliches During our visit to his house myriad of adversities, and are Credit Cooperative Inc. in Bulacan together with the Gen- tatistically, only around 60 disciplined leaders who follow the (NCCI). eral Manager, Ms. Marlene Sin- Spercent of cooperatives, and cooperative principles and laws, dayen and 2017 Chairperson, Ms. even private businesses for that always. This is also the story of Early on, just like any co- Evelyn Cruz Dimacale, Ka Pet is matter, survive for the next de- the man behind the success of operatives, the coop also expe- wearing his NOVADECI shirt. Ac- cades of their operations. And the billionaire cooperative, Nova- rienced a power struggle among cording to the two officials, Ka Pet for those who survive and even liches Development Cooperative the founding members. To estab- wears his loyalty to the coopera- become successful, only a few (NOVADECI). Meet Mr. Pedro “Ka lish early on a culture of fairness tive he established day and night, hundreds have made it to great- Pet” De Jesus. and democratic governance, and all year round by wearing his coop ness or to the billionaires’ club. to settle things down, Ka Pet sug- shirt. Even in his family, Ka Pet But for the most successful ones, Pedro De Jesus or Ka gested for an election. He won. also applies cooperativism prin- they have definitely a lot of things Pet as he is fondly called by his Unfortunately, his opponent was ciple by gathering and living with in common for their triumphs that families and friends, was a base- disheartened and had to estab- all his family members under one are worthy to emulate, and those ball and softball player during his lished another cooperative to led compound. I can see clearly also are; Dream, Dedication and Disci- youth. This gave him the appre- on, but have failed. that even though he is retired, still pline. Their founders are visionary ciation on the value of discipline he commands respect from the leaders who selflessly dreamt for and teamwork. According to Ka As years went by, the co- current leaders and the people others and almost fanatically ded- Pet, unity and teamwork is key to operative had undergone an as- around him. icated their whole life to the coop- win a game, and playing the game sortment of adversities, but with- erative, to lay a foundation for the with the heart and fairly. stood. Vendors who are members Behind every success- next generation of leaders. of the cooperative had to faced ful cooperative is a person who In 1976 he is contemplat- persecution from the market man- dreamt of something good for his Successful cooperatives ing of a system that could help agement because of misconcep- family and the community. And today are no doubt had been the market vendors of Novaliches tion that the coop would take over the success of the cooperative founded by their visionary lead- improve their standard of living. the market. depends on the culture and dis- ers who dare to dream not just for He had a stall also at the Central cipline the founder instill to his or themselves but for their families, Market. That is also the time when When they were starting her subordinates and members. other people and the community. he met the famous leader of the they don’t have an office. And Leadership is invisible and intan- They have a virtue of dedication Humbong Bayan Laban sa Hapon when they were able to had an of- gible, but it can be measured by that are almost fanatical that en- or Hukbalahap, Ka Luis Taruc. fice, they don’t have office equip- the collective outcome of the in- able them to withstood against ment to be used. To solve the stitution he or she leads, just like Accordingly, Taruc told him problem, they had to do caroling, what Ka Pet did to NOVADECI. GENDER ANALYSIS AND MAINSTREAMING IN COOPS: A MUST FOR GAD PLAN AND BUDGET

o celebrate the 120 years of convergence in order to strength- versity sat the tone for the two desire to further their knowledge TPhilippine Independence, the en the brewing passion within the day event with such eloquence, in order to create a more gender CDA in partnership with the West- cooperative sector for Gender enthusiasm and versatility which conscious culture within their re- ern Mindanao Federation of Coop- and Development. Director of the enthralled her audience. spective fields. eratives (WEMFEDCO) gathered Gender Research and Resource all 168 coop leaders in Zamboan- Center (GRRC) of Western Min- Both men and women Director Ruben L. Cu- ga Peninsula at the Palacio del Sur danao State University (WMSU), leaders showed distinct interest nanan who feel strongly about in Zamboanga City on June 1-2, Prof. Rosalyn Romo-Echem of on the subject and expressed education said, “learning is grow- 2018 for yet another region-wide the Western Mindanao State Uni- their support out of their strong Continue to p.14 CDA @phcoops PH Cooperatives Page 13 FEATURES

Cooperative: Accessible and By: Jurela V. Cruz and Reliable in Times of Trouble Leann R. Fontanilla hrough our journey in life, we for membership in the Cooper- Tare faced with multitudes of ative Developers Cooperative experiences. The travel we take before the end of 1995. His ap- be at times smooth and calm, it is plication was approved in early also inescapable that we are chal- 1996. He made his initial share lenged on bumpy roads or sailing contribution amounting to P500. in the stormy seas. During those He continuously remitted some times, we tend to ask for help in of his salary for the capital share traversing such course and it is contribution until it reached a total by blessings we meet a helping of P1,500. Afterward, he was able hand. Below is a narration worth to avail a loan of P4,500 from the sharing as we uncover his story. cooperative. He utilized the pro- Santiago Fantalgo, 53, or “Santi,” ceeds of his loan to finance the as fondly called by his family and education of his children. How- friends. Way back in year 1995, ever, despite the availment of the he was the security guard of Co- said loan, such is still not sufficient operative Development Authority to support the studies of his five – Tuguegarao Extension Office. children. He again made a loan Thereat, he had a glimpse and of P15,000. There he felt that his idea of what a cooperative is. The membership is a tool to finance employees of CDA back then has his family. already an existing cooperative which is the Cooperative Devel- Along this way comes an- opers Cooperative. other blessing in his life as there grow the expenses to sustain the a graduate of Elementary Educa- was a vacancy declared in the living and schooling also rise up. tion, a licensed teacher, but opted As a security guard he re- permanent position of CDA- TEO, Considering the increase in his to work at Bureau of Fire Protec- ceives a monthly compensation to he then applied for it and was salary, he is still experiencing dif- tion. The last two are twins who P2, 800.00 of which is not enough hired eventually. His appointment ficulties in finances most of the finished Business Administration to sustain his family’s daily needs. was issued on December 11, time. Still, he needs the services Major in Financial Management Indeed, he needed some support 2001. In such a way, this blessing of the cooperative. and Secondary Education, work- to overcome his financial difficul- helped him to lighten the burden. ing in a private firm and teaching ties. As it was known to him the Although that he made some in- “Kapag nalaman kong in a private institution respectively. benefits and beauty of coopera- crement and ease some of his fi- pwede na naman akong maka- Since his children are already tive, he tendered his application nancial difficulties, as his children pag-avail ng loan, renew lang ng working and having their own renew. Kaya napapagaan ko ang lives, he thought of having a busi- PAFCPIC HELPS.. from P.11 aming buhay kasi nandiyan ang ness with his wife. He bought a coop na lagging umaalalay”, he 500 square meters residential lot agriculture specifically Container said. in Solana, Cagayan part of which PAFCPIC will sign a Mem- Gardening. According to the tribe, was again financed through the orandum of Agreement (MOA) the soil in Sitio Suha is not good “Hindi ko namalayan na help of the cooperative. This piece with Punduhan ng mga Dumagats for farming. Through this train- napagtapos ko na mga anak ko of land was planted with fruit-bear- under the Sierra Madre Environ- ing, they could learn to grow their kahit utang”, he added. ing trees. In addition, they are also mental Society, Inc. (SSMESI) plants, especially the edible ones, He was able to send his five chil- into poultry production, chicken for the sponsorship of the stu- exclusively in containers instead dren to school. and duck to be specific. dents’ transportation expenses- of planting them in the ground. The first graduated with a P6,000.00 monthly for 10 months, They also want to learn Small degree of Bachelor of Science in He made use wisely his total of P60,000.00 (53 IP stu- Scale Rice Terraces Making, ac- Business Administration Major in loan from the cooperative, now he dents). If approved, the said ac- cording to the tribe, for a dry place Financial Management at Saint is feeling relieved and is infact, his tivity will also be held on August like Sitio Suha, irrigation may en- Louis University and now working children are already returning the 17, 2018 at SitioSuha, Norazaga- able plants to be grown where it as Senior Sales Man at Petron favors. According to him, joining ray, Bulacan. Providing financial would not otherwise be possible, Corporation. Second, Aileen is the Cooperative Developers Co- assistance for the monthly trans- or it may supplement the existing now working at the Department operative was one of the best de- portation expenses of the IP stu- rainfall and improve the growth of Environment and Natural Re- cisions he made in his life. Earlier dents will show PAFCPIC’s sup- rates by extending the growth pe- sources who took up BS Infor- this year, his five children, includ- port to the culturally appropriate riod of the plant, or by ensuring mation Technology at Cagayan ing his wife were already part of education systems for the Dum- there is adequate moisture during State University. His third child is the cooperative. agats. Having Indigenized formal critical periods when the plant is education which is controlled and growing most rapidly. According to administered by indigenous peo- them, this would also prevent the ples will therefore strengthen their practice of “kaingin” and burning of Gender Analysis...from P.13 land and governance rights, liveli- watersheds. They would also like hoods, and improve cultural, com- to learn Organic Composting and ing,”. participant leaders presented munity, and individual resilience using African Earthworms to im- He then encouraged the varying concerns and confusions and well-being. prove soil fertility. Laslty, the tribe participants to put these learnings yet produced their respective wants to learn Food Preservation into creative ideas and challenged coop’s GAD Plan and Budget at c. Agriculture Training using Solar Drier Machine to slow them to come up with a concrete the end of the training. down the spoilage of their food. plan on programs and activities Next will be for the CDA to Primarily, the Dumagats The tribe (if their request would implementing gender and devel- validate the cooperatives of their depend on forest commodities be considered) would also want to opment in their cooperatives. compliance of the law and the as livelihood. They rely on fish- store and sell the excess of their During the training, participants programs implemented as well as ing, hunting animals, gathering food production which could give gamely answered the questions the impact of the trainings in the crops and other natural bounties them potential of earning money asked by the facilitators who drew cooperative towards being gender for survival. They are basically by selling the surplus. out more dynamic insights which sensitive. forest hunters; they lack knowl- enticed a more open and honest edge in production of food and in discussion. farming. During the FGD, they ex- During the workshop, the pressed their desire for training in Page 14 CDA @phcoops PH Cooperatives AFCCUI’S...from P.16 FEATURES

By: Jurela V. Cruz and Leann R. Fontanilla

newed Strengths for Sustainable Co- continued support and cooperation. with Hon. Elmer C. Untaran Munici- But, according to him, “it is never, operatives”. On the welcome address of pal Mayor of San Jose De Buenavista never, never enough”. AFCCUI is up to the tasks BOD Chairperson Nick M. Abarien- superbly grace the Golden Anniver- Renewed strengths should be identi- of being a transformational federa- tos, he stressed to the member of sary affair. Both have emphasized fied in three qualities in that we must tion of cooperatives in the province federation that their partnership and their performance as their strong always remember the hashtag “Co- of Antique. As of that day or revelry collaboration had ultimately come contribution, their support and strong operative is my Partner, Family and and jubilation, every member has into fruition. Not withstanding the var- partnership in various cooperatives. Life”, he added. welcomed with pride and highest de- ious significant achievements -AFC They have jointly expressed that co- He also challenged everyone to look gree of confidence recognizing the CUI has reached until it comes to the operatives prove to be partners of into their hearts and must be able to giftedness, love and compassion with age of 50 years. He emphasized that, the local government in achieving its answer who benefits, who are the real joyful thanksgiving that they survive AFCCUI as an institution of people socio economic programs especially members else we may just be mak- all these years to enhance the well shall always continue to work strong- in poverty alleviation extended pro- ing them recipients. Are we among being of the poor and the marginalize ly to respond to the call of all its mem- grams to the marginalized farmers the poor? Are we the marginalized? sectors ber affiliates including its surrounding and fisherfolks, taking care of the The market vendors, the kasamba- The gathering after the col- communities. welfare of the SACADAS and for less hay etc. are we open? Welcoming orful and jubilating caravan around To cool the air a former scholar of fortunate families. opportunities these days? Does the the town of San Jose De Buenavis- San Jose Multi-Purpose Cooperative On the onset, Rev. Fr. Fortu- church have strong partnership with ta, which was participated in by the and now an elementary classroom nato V. Abiera availed himself to be cooperatives? majority of cooperatives, had for one teacher expressed her gratefulness one of our Keynote speakers. Ac- Engr. Doreen Anchita Re- glimpse reminded everyone of being to SJMPC to what the cooperative cordingly, he took courage to remind gional Director, CDA Region VI in- collectively empowered by ideals for had done for her present situation. us that in any celebration like this, troduced Hon. Orlando R. Ravanera, Chairperson-BOA, CDA Central Of- an ever strong and united coopera- She melodiously sang her master- we must look back always to early fice. tive. piece “Bugay”. years of the cooperatives in the di- Hon. Ravanera expressed For the program preliminar- AFCCUI’s 50 years’ story ocese of Antique. He made mention his amazement on the presence of ies, it started with the invocation fol- was rendered through a visual pre- the reasons why Bishop Cornelio De the Golden Anniversary as guests. lowed by the singing of the Philippine sentation. Former BOD Vice-Chair- Wit established cooperatives in var- He then challenged again, he also National Anthem and the recitation of person, Daniel N. Vescatcho, Jr. to- ious parishes. He emphasized, that presented various challenges to re- spond to the different factors affect- gether with the Institutional Building we have to live in trust. This was his Cooperative Pledge led by the most ing human lives. For example, Cli- energetic and dynamic Manager, Fe- Staff shared their tremendous efforts. first challenge to sustain the trust of mate Change and other natural and liza E. Labrador, followed with the ac- Hon. Rhodora J. Cadiao, people- ‘The essence of sustaining environmental calamities. He said knowledgment of all affiliates to their Governor of the Province of Antique Cooperative federation 50 years ago. Continue to p.12 Passion, Determination, Commitment Behind Great Leader’s Success By: Mercy Jamoyot Gabasa assion, determination and commit- oneers in converting the Pavia Public the LGU-Pavia in Public Market Man- wise under her leadership, garnered Pment are behavioral values that cat- Market Association organized in Octo- agement; Linkage with ASEAN Women the Most Outstanding Cooperative in apult a person become a great leader. ber 1977 with 104 members into a full- Entrepreneurs Network (AWEN); Im- Partnership with an LGU, Philippine According to Harriet Tubman, fledged and a duly registered coopera- plementer of government programs and Senate, Republic of the Philippines, an American abolitionist and political tive with the Cooperative Development projects of DOLE, DTI, DOST, DENR, January 23, 2007, Lunhaw Dahon activist, “Every great dream begins Authority (CDA) on July 28, 1999, now member of DepED School Governing Award from Environment Management with a dreamer. Always remember, you known as PEMPC. Council and Member, Pavia Technical Board (DENR) in June 29, 2015, Most have within you the strength, the pa- The organizational relation- Working Group in the Establishment of Outstanding Cooperative on Gender tience, and the passion to reach for the ship, as member and officer of the co- the Pavia GAD Code. and Environment Advocacy, Province stars to change the world.” operative started in 1999. She is the Today, the multi-awarded of Iloilo, April 10, 2013 and the 2015 Haile Gebrselassie, a retired Chairperson in 1999-2005 and 2014 up PEMPC, housed in a 4-storey build- Productivity Olympics Awards– Re- Ethiopian long-distance track and road to the present, and as general manager ing from a talipapa and rented office, gional Winner and National Finalist running athlete on the other hand, says in 2006-2013. composed of 847 members, Asset of and Winner, Service Sector Micro En- that “Once you have commitment, you She said that “sa sulod sang Php36,770,390.09 and paid-up Share terprise, RTWPB -DOLE, July 22, 2015 need the discipline and hard work to get 19 ka tuig sang kooperatiba, madamo Capital of Php9,176,052,92 as of De- and October 15, 2015, respectively. you there”. nga mga pagtilaw, pagpakamalaut kag cember 31, 2017 performs its mandate According to Ms. Palmada, A dream doesn’t become re- upang ang ginsulay nakon kaupod sa and operates Credit Services: Regular, her success as cooperative leader is ality through magic; it takes sweat, de- mga nagpangisog para ma convert ang Short Term Loan, Microfinance, Re- not realized without the active support termination and hard work according to asosasyon nga mangin isa ka koop- discounting, Salary, Productivity, Re- and cooperation of her fellow officers, Colin Powell an American statesman eratiba (within 19 years, me and my demption, REM, Chattel, Retirement, members and management staff of the and a retired four-star general in the co-pioneers have experience many Consolidated, Special Loan, Bonus; cooperative and also embracing the bi- US Army. challenges, bullying and obstacle in Market Management, Members Sav- ble verse found in Ecclesiastis 4:9-10: These interplay of positive converting the association into a coop- ings Operations (time and savings), “Two are better than one because they emotional feelings guided with cooper- erative.” ILECO Bills Payments, Waste Man- have a good return for their work. If one ative core values are driving forces of Such challenges and negative agement, Initiatives/Guardianship on falls, his friend can help him up”. Ms. Joy Doronila Palmada, a coopera- remarks did not stop them but serve as Laboratory Coops, Afflatoun Program, A great leader that can trans- tive leader, a God-given instrument in motivation in exerting collective and de- Medical and Laboratory Clinic. late the sacred scriptures of “You are Pavia, Iloilo that shape the lives of the liberate efforts, especially Ms. Palmada Through her exemplary the salt of the earth and the light of the members of Pavia Entrepreneurs MPC in initiating, pursuing and implement- achievements she became a benefi- world”. A SALT to serve as agent that will give flavor, passion, determination (PEMPC) and the community through ing innovations as well as mobilizing ciary of local, national and international and commitment to do something that the ideology cooperativism. active participation from planning to trainings as well as recipient of various will shape personal, organizational and monitoring and evaluation phases of awards and citations. Learnings, in- structural changes in the society and Ms. Palmada is a Pharmacist by pro- various economic activities of the co- sights and best practices learned were serve as LIGHT in the processes of ef- fession, a Protestant, happily married operative towards the realization of its adopted in the cooperative and shared fecting such changes. The writer believes that MS. to Mr. Simon Palmada and a success- vision and mission into reality. to the other cooperatives in the region JOY DORONILA PALMADA with pas- ful mother to Mar Vincent and Mark Jo- Like a shepherd tending her through lectures in various confer- sion, determination and commitment, seph and presently residing in Gonza- flocks and looking for a lost one, she ences, fora, assemblies, seminars, ap- will be the SALT and the LIGHT to ga St., Pavia, Iloilo. introduced and sustain many initiatives, pearances in TV and Radio Programs the least of our brothers and sisters and fervently hoping that many COOP Her successful marriage and established, maintained linkages and and visiting cooperatives across the LEADERS will rise up, stay behind the family life, also serves as an inspiration advocacies that enhance operation of country. flocks and walk together in the journey in relating herself with the community, the cooperative: the Strong and Effec- Aside from her personal of success, today, tomorrow and in the as one of the 12 committed member-pi- tive Public – Private Partnership with awards and citations, PEMPC, like- future! CDA @phcoops PH Cooperatives Page 15 FEATURES Can We Succeed thru Cooperativism? Yes, We Can! Government Agencies and even to By: Jurela V. Cruz and Leann R. Fontanilla her relatives. With patience and de- husband. termination, she was able to finish children will not experience the life her BS in Secretarial Administration she had back then. Therefore, Having thought of all the and BS in Business Administration she decided to avail again a loan in benefits the coop gave to her made with flying colors. She also decided the amount of Php 15,000 from the her run as an officer. It was not easy to pursue further studies and earned cooperative to start a new business but she managed to win as Board of her masters and doctorate degree at in the year 2003. She bought two rolls Director and was chosen as the Vice the age of 28. of cloth and three portable sewing machine for her small tailoring busi- Chairperson on her first term. She is now on her second term as a The Our Lady of La Salette ness and named it JESHAN School Board of Director and was elect- Multi-Purpose Cooperative (OLLS- Uniforms and Enterprises located at ed as the Chairperson of the Board. MPC) was organized in the year 1993 Centro East, Santiago City. With She had been contributing a lot in the wherein Elvina was still a student. It her exposure in the cooperative, she coop and even wanted to do more was the year 1995, before her gradu- was able to make connections which and more for the benefit of every ation, when she found her first em- she used to market her starting busi- members. ployment with University of La Sal- ness. Her tailoring business have lete in Santiago City and eventually grown so fast as she is now ca- Being the Chairperson of became a member of the University’s tering schools and government OLLS MPC is not an easy task but Cooperative. Since she had already institutions in Santiago City and with the help of all the members, of- her first job, she thought of a gift that nearby municipalities like Cordon, ficers of the coop and her family, she would show her gratitude for all the San Isidro, Cabatuan and even in the “The success of the coop should not believes that she can do it success- be measured through its assets, but sacrifices for her parents. Her salary province of Ifugao. through the changes to the lives of fully. Being an entrepreneur, and of- back then was not enough to buy a its members” - Elvina Baquirin ficer, requires a lot of time but she television for her parents. But through Along the success of their sees to it that she is at her best in the OLLSMPC, she had her first loan business comes a big challenge to lvina Baquirin was born to a performing her most favorite role and to the cooperative in the amount of their family. In 2014, her husband was farmer tenant of 8,000 square that is being a wife and a mother. E Php4,500 to buy the gift she wanted diagnosed with brain tumor. She was meter rice fields and a housewife in As a mother, she sees to it that her for her parents. supposed to buy a building and lot Cabatuan, Isabela. Elvina did not children, Shaira Jone and Andrea Jo- that time and even paid half of it, but experience a fortunate life back nel, are growing well. Shaira Jone, a Though everything may seem due to this incident, she withdrawn then. At a young age, she was already fourth year Accountancy student is smoothly sailing, Elvina was affected and gave up this investment. In times exposed to the challenges of life. She a receiver of the “Most Influential by the downsizing of La Sallete Col- of trial, OLLSMPC was there to help and her siblings go to the farm to earn Student” in Far Eastern Universi- lege. Thus, she sought employment her family. A financial assistance is of- income in aid of their financial diffi- ty and Andrea Jonel is also a from other educational institutions. fered by the cooperative for the major culties. These difficulties helped her honor student. Her husband is a Seeing that she was smart, capable, surgical operation undergone by her become stronger and determined and determined, she became a Continue to p.12 to pursue her education. school administrator and col- lege dean of different colleges within Santiago City, Isabela. Marawi Rehabilitation Thru Cooperativism “Ayaw ko na ganitong buhay ang da- nasin ng magiging pamilya ko,” Elvi- Already having a stable job, na said. Elvina decided to settle down. She and her husband were both em- At a young age, she worked ployed, as an instructor and a bank in a tailoring business of her aunt to teller, but as their family grows, support her elementary education. expenses grow proportionally with She graduated valedictorian in ele- it. As she starts to have a family mentary but still, her family is lacking of her own, she was finan- financially. She sought sponsorships cially challenged. She remembered from Non-Government Institutions, that she promised to herself that her AFCCUI’s 50th Anniversary: A Conglomeration of People’s Driven Celebration By: Daniel N. Vescatcho, Jr. ntique, September 22, 2018— in the conceptualization of the most AThe Golden Anniversary Cel- fitting theme were all activities were ebration of Antique Federation of all anchored to bring about possible Credit Cooperatives, Inc. (AFCCUI), marks of responses to various chal- was a conglomeration of People’s lenges of our times. The theme was, driven celebration. It started initially “Welcoming Opportunities with Re- Continue to p.12 ICT Skills Enhancement Training (I-SET) in Tagaytay Business Continuity Management Master Class Training

Page 16 CDA @phcoops PH Cooperatives