“Progress Through Unity and Service”“Progress Through Unity and … · Joseph Porfirio L....

Baguio City, Philippines Vol. 15, Issue 2 (Apr.-June 2012)

Cooperative Community News and Features Cooperative Community News and Features Cooperative Community News and Features

C PSERVERC PSERVERC PSERVER

The The The

BBCCCBBCCCBBCCC

website: website: website: www.bbccconline.comwww.bbccconline.comwww.bbccconline.com

“Progress Through Unity and Service”“Progress Through Unity and Service”“Progress Through Unity and Service”

Inside. Induction of

BBCCC BOD and Officers FY 2012. Page 4

BBCCC Staff Reorganized

By: Stephenie O. Busbus, Member, RDPC

T he BBCCC

Secretariat

was reconstituted

on May 9, 2012 when the Board of

Directors appointed

Prof. Milo Severino N. Distor as a mem-

ber thereof. Mr.

Joseph Porfirio L. Andaya was retained as the Board

Secretary.

The addition of one member to the Secretary’s Office was in response to

the recognized need for the office to

be the repository of all documents in the care and responsibility of the

Board of Directors, that is, documents

related to policy making. All docu-ments pertaining to cooperative opera-

tions remain in the custody of the Co-

operative management.

The expanded role of the Secretary

also now includes the establishment of

a file storage and retrieval system that

B A G U I O – B E N G U E T C O M M U N I T Y C R E D I T C O O P E R A T I V E ( B B C C C )

A f f i l i a t i o n s : N O R W E S L U , C A R C U , P F C C O , C U P , P C C , A C C U

Re-engineering the

Secretary’s Office

By: Joseph Porfirio L. Andaya

BOD Secretary

Prof. Milo Distor

(Continued on page 12, Re-engineering…)

T his year was generally the

end of term of most depart-

ment heads in BBCCC. Hence, new

heads of office are assigned in dif-

ferent sections of the cooperative.

The new department heads are Ms.

Rosemarie Gamotlong ( Account-

ing), Ms. Nora Margarita Domingo

(Administrative), Ms. Rosalinda Ba-

gang (Audit), Ms. Jane P. Suyatan

(Billing and Collection Department),

Ms. Genevieve Perez (Finance), Ms.

Pacita Balancio (Grocery), Ms.

Elizabeth Cinco (Human Resource),

and Ms. Rose Ann Pascua (Loans).

Meanwhile, Ms. Shane Tadeo is on

her second year of term as the Mem-

bers’ Account Section head and Ms.

Rizza Gacao is on her third year as

the head of the Management Infor-

mation Systems (MIS).

BBCCC also welcomes a new con-

tractual employee this July 2012.

Mr. Clayton Langgato was chosen

among the numerous applicants.

Mr. Langgato is a graduate of

Bachelor of Science in Managerial

Accounting at Saint Louis Univer-

sity. He is now assigned at the Gro-

cery Department as a Sales Counter

Clerk.

Improved services to members and enhanced employee skills are the main objectives of the employee reorganization.

The BBCCC COOPSERVER April to June 2012

Stronger Cooperation

By: Maribel S. Pasngadan

Manager

F amiliarizing ourselves with works and duties

within the cooperative is a great opportunity that

can lead to self and career development. Baguio Benguet

Community Credit Cooperative (BBCCC) has adopted this progression plan to be able to prepare and empower

employees for greater responsibilities, commitment and

to become competent leaders in the future.

When we held our work standardization last November

2009, this scheme was adopted and that the, ―term of de-partment/section head is one (1) year renewable annually

provided that no department/section head shall serve for

more than three (3) successive terms unless otherwise

specified.‖.

We have our reshuffling which happens annually every

month of June. Some employees will vacate their present position and start a new to the department where they

will be assigned. Others are grateful because it’s a chance

for them to enhance their skills, capabilities and be able to share their ideas in enhancing the services we provide

for our members.

The management’s objective is that, no job is tied up to one individual that in case of employee’s absence/

resignation, the operation can still continue and some-

body could take over the task. Further trainings and semi-nars are provided so that all employees are equipped with

knowledge in performing their duties and responsibilities.

Objectively, guidelines were provided for the implemen-

tation.

On the other hand the management had seen the effect of

reshuffling on the side of the department/section head, since this is the first time it was implemented to the su-

pervisory level. There is a need to review the policy to

enhance our progression plan for a clearer and effective supervision of our human resource in the cooperative.

Despite the employees’ movement, still our goal is to

provide quality service to our beloved members. Respect and cooperation are the values that are still in the hearts

of my co-employees and officers of the BBCCC in order

that we could make a DIFFERENCE in the community we are serving.

Manager’s Message

F irst of all, I wish to thank the Board of Directors

for the honor and trust in electing me Chairman.

This would be my second time as Chairman in three years,

the first in 2009 and now the second this 2012. In the interim, I was chosen Outstanding Citizen of Baguio in the

area of Cooperative Leadership for my contributions to

BBCCC in particular and to the Baguio Cooperative Community in general and so I share this distinct honor

with our Cooperative, the Baguio-Benguet Community

Credit Cooperative!

But if I may be permitted, I wish to share the honor also in

memory of my late husband, Greg Rimas, an

acknowledged Cooperative leader not only hereabouts but also in the whole country. I owe him my basic knowledge

and training in Cooperatives and my eventual growth and

development as a Cooperative leader. I am certain he continues to pray for our BBCCC.

It was the consuming passion of our Founder, the late Atty. Alexander Brillantes Sr., Greg and the many

pioneering leaders to see BBCCC make a difference in the

lives of our members who belong mainly to the

marginalized population of Baguio and Benguet.

They worked hard to make BBCCC a trusted and

respected primary cooperative worthy of the support and confidence of the Cooperative community. Their challenge

was, ―We can reach great heights provided we remain

rooted to our vision and mission, chart clear and doable

directions, be aggressive in our initiatives, work hard, harder and harder yet, and of course, practice good

governance – the very ingredient which spells survival and

success.‖

What vision and mission were they talking about? Simply

this: we respond to the two (2) mandates Cooperatives are supposed to perform: a) Poverty alleviation, and b) Social

justice. These two have since been the anchor of our

services, goods and products through the business

component of our operations. Efficient and effective leadership and management have contributed

tremendously to the phenomenal growth of our BBCCC,

(Continued on page 10)

Going Back to the Basics

By: Dr. Amparo T. Rimas

Chairman, BOD

Chairman’s Corner

(Continued on page 10, Going Back…)

Editorial


Consultants: BOD Chair, Dr. Amparo T. Rimas and Manager Maribel S. Pasngadan File Photos: Management Information Systems

Emmanuel A. Tadeo Roberto I. Belda Stephenie Lee Ong-Busbus

Editor-In-Chief

Entered as second class mails at the Baguio City Central Post Office, Baguio City, Philippines with permit No. CAR 01-12.

Tel Nos.: (074) 442-6603;(074) 442-5872; (074) 304

-2946 TeleFax: (074) 444-4993

No. 56 Cooperative St., Assumption Road,

2600 Baguio City, Philippines. Website: bbccconline.com Email: [email protected]

[email protected]

The BBCCC COOPSERVER is the Official Newslet-

ter of the BAGUIO-BENGUET COMMUNITY CREDIT COOPERATIVE (BBCCC) and is published four times a year.

C ooperative systems of allied industry and self-help communities preexist the capitalist era. Examples of pre-

contemporary cooperative practices include factions practicing collaborative production and mutual aid, recipro-

cated economic life, and social organization of communities. In the present situation in our country, cooperatives, with

the guidance of the Cooperative Development Authority (CDA), learned to develop aggressive responses to the unsym-pathetic manipulation of developing industrial capitalism, through coordination with other cooperatives and other organi-

zations. Seemingly, it enunciate the diversity of said responses to economic emergencies and that illustrate cooperative

practices create to counteract such by the then alienated, marginalized and exploited.

The preferment of sustainable livelihoods is connected with income generating endeavors for the community. That is

why cooperatives play a major role in enhancing these activities and sustaining the basic needs of the society. These co-operatives deliver opportunities to the people through establishment of different services like financial, marketing, hous-

ing, etc. by means of collectively pooling whatever resources they have. With the implementation of the Cooperative

Code of 2008 (RA9520), apparently there is already a more substantial law that provides essential standards regarding

the different types of cooperatives which presumably hinders the picture of its operating specifics and remarkably, of the exclusive services that each cooperative delivers to its members.

Ed. Note: In response to one of the 3-point agenda of CDA Chairman Dr. Emmanuel M. Santiaguel, PhD, specifically ―Massive Expansion

of Cooperative Membership Nationwide, from 7M up to 20M‖, a couple of BBCCC incumbent directors, Atty. Renato Fernandez and Em-

manuel Tadeo, CDA specialist Felicidad Cenon and some bonafide members of BBCCC shared and spread the benefits of cooperativism to the marginalized population that resulted in the organization of the newest cooperative primary in the city—The Our Lady of the Atonement

Cathedral Consumers Cooperative.

OLACCC was registered with the CDA on April 12, 2012 with Registration No. 9520-15021567 and CIN No. 0107150224. Membership comes from the employees of OLAC Parish as well as volunteers from any of the church mandated religious organizations in the City of

Baguio. During its first general assembly on April 22, 2012, the members elected the first five charter directors namely: OLAC Parish Priest Rev. Fr. Emmanuel Panayo (Chairman), Knights of Columbus member Emmanuel Tadeo (Vice-Chairman), Belmer Yano, and BBCCC and

OLAC Social Action members Pacita Gonzales (initiated for the organization) and Leticia Pinosan. The BOD and other officers serve on purely volunteer basis knowing fully that cooperations thrive and service on volunteerism.

Promoting Cooperativism

By: Emmanuel A. Tadeo, BBCCC Director and Chairman, RDPC

http://www.fundsforngos.org/tag/opportunities/


T he Mayor of La Trinidad,

Benguet Gregorio T. Abalos

welcomed the new set of BBCCC of-

ficers in a ceremony last June 1, 2012 held at the Dr. Gregorio S. Rimas Hall

of the BBCCC building.

The new Chair of BBCCC, Dr. Am-

paro T. Rimas, departing from the

traditional acceptance speech and real-izing full well that the officers are vol-

unteers led them in the recitation of

the BBCCC Volunteers’ Decalogue

where they all pledged to carry out the vision and mission of the cooperative

to the best of their abilities.

Mayor Abalos likewise encouraged

the new officers and the management

staff to set-up BBCCC’s first-ever branch office at La Trinidad and told

them that the municipality is more

than willing to host such an office in

order to serve and recruit more mem-bers residing in the area. This is also

one way of fulfilling the vision and

mission of the cooperative.

The Board of Directors for FY 2012

include: Dr. Rimas (Chairman),

Arturo G. Asuncion (Vice Chairman), Oscar R. Adversalo, Aurora M. Am-

banloc, Atty. Renato C. Fernandez, Atty. Nelson V. Gayo and Emmanuel

A. Tadeo.

The other officers for 2012 were: Conrado B. Chan, Jr., Mary Ann B.

Bungag and Milagros M. Cardona for

the Audit Committee; Commissioner Armando C. Velasco, Norma M. La-

copia and Gerry B. Soriano for the

Election Committee.

Dir. Asuncion, Dr. Danilo S. Alterado

and Clariza E. Bueza for the Educa-

tion, Training and Membership Com-mittee; Dir. Tadeo, Roberto I. Belda

and Stephenie O. Busbus for the Re-

search, Development and Publications Committee.

Atty. Gayo, Atty. Angeline May T. Cabrera and Atty. Francisca M.

Claver for the Legal Committee; Atty.

Fernandez, Atty. Leo L. Lawana and

Atty. Mark Noel A. Navarro for the Mediation and Conciliation Commit-

tee.

Dir. Adversalo, Judge Emeterio G.

Manantan and Ofelia L. Pasion for the

Ethics Committee; Dr. George K.

Ramos and Maribel Pasngadan for the Investment Committee; Dir. Am-

banloc and Engr. Richard C. Pascua for the Housing Committee.

Rounding-up the newly appointed

officers were: Dr. Ramos, Treasurer; Joseph Porfirio L. Andaya and Milo

Severino N. Distor, Board Secretariat

and Maribel S. Pasngadan, Manager.

Also inducted were the officers and

Board of Trustees of the BBCCC Foundation, Judge Ruben A. Corpuz

(President); Dr. Mario S. Valdez

(Vice-President); Atty. Bernard D.

Padang (Secretary), Veronica A. Cardona (Treasurer); Mr. Adversalo

(Audit); Atty. Gayo and Dr. Rimas as

the other Trustees; Rosalinda J. Ba-gang (Accountant); Atty. Fernandez

(CEO/Manager) and Rukcy C. Regala

(Office Secretary).

The event likewise recognized officers

and staff who have been serving the cooperative for five years or more and

these include: Jennifer P. Valdez (10

yrs.), Marlita B. Fernandez (15 yrs.), Shane R. Tadeo (15 yrs.) for the staff

and Clariza E. Bueza (5 yrs.), Norma

M. Lacopia (5 yrs.), Oscar R. Adver-salo (10 yrs.) and Dr. Mario S. Valdez

(10 yrs.) for the officers. The proceed-

ings was emceed by Roberto Belda

and Vivian N. Nahiwan.

Mayor Abalos Inducts New Set of BBCCC Officers FY 2012

By: Roberto I. Belda, Member, RDPC

Mayor Greg Aba-los (left) swears the new set of BBCCC officers for 2012-2013 in a ceremony held at the BBCCC last June 1, 2012. Photo shows the officers reciting the Volunteers” Decalogue.


mostly when the cooperative needs

her services.

Ms. Ofelia Pasion teams with Direc-tor Adversalo and Judge Manantan in

the Ethics Committee. Ms. Pasion is a

retired professor of Saint Louis Uni-

versity.

Engr. Richard Pascua is appointed

too to join Director Ambanloc in the Housing Committee. Engr. Pascua

manages his own engineering firm.

With the creation of BBCCC secre-

tariat, it was deemed necessary for

the cooperative to appoint one staff of

the Board secretary. Prof. Milo

Severino Distor works with Mr. An-

daya now in handling the documents

and paper related files of BBCCC. Prof. Distor finished his Masters of

Public Administration. He too teach-

ers at the School of Humanities, Saint

Louis University.

Welcoming new faces means wel-

coming new ideas and recent devel-

opment for the cooperative.

Meet the New Officers of BBCCC

By: Stephenie Lee Ong-Busbus, Member, RDPC

Results of the 2012

Elections Released

By: Norma M. Lacopia

Member, EleCom

T he 53rd General Assembly

(GA) of BBCCC held last

March 25, 2012 allowed the mem-

bers to select three (3) Board of Di-rectors (BOD), two (2) Audit Com-

mittee members and one (1) Elec-

tion Committee member.

The results of the election showed

two (2) re-electionists and a come-backing director attaining the top

three (3) posts for the position of

BOD.

After a rigorous counting of votes,

Atty. Nelson V. Gayo, a returning

BOD garnered the first position with 5,142 votes. He is followed by

Arturo G. Asuncion (3,403 votes)

and Aurora M. Ambanloc (3,154 votes) both re-electionists BOD.

Rounding-off the results for the po-

sition of BOD but who were not elected: Isabelina G. Ronquillo

(2,958 votes), Veronica A. Cardona

(2,795 votes) and Zosimo M. Abratique (2,639 votes).

For the two (2) vacant positions in

the Audit and Inventory Committee, Mary Ann B. Bungag and Dr.

George K. Ramos ran unopposed

thus obtaining the positions for themselves. This is also true as re-

gards the lone vacant position in the

Election Committee, Atty. Armando C. Velasco also run unopposed

automatically allowing him to get

the EleCom post.

The total number of members who

participated in the GA are 8,269

broken down into 7,490 regular (old) members and 779 members

with SPA/MBS.

T hough most committees in

BBCCC remained status quo

this year, the cooperative welcomes

new faces from both elective and

appointive positions.

Ms. Mary Ann B. Bungag is a new member of the Audit Committee af-

ter winning this year’s election. She

used to be one of the Board of Direc-tors of BBCCC and now an officer

of the Northern Luzon League of

Cooperative (NORWESLU).

Another member of the Audit Com-

mittee is Ms. Milagros Cardona,

CPA. She was appointed to join the committee after Dr. George Ramos

became the BBCCC Treasurer. Ms.

Cardona is a faculty of St. Louis University at the School of Accoun-

tancy and Business Management.

Atty. Francisca Claver joins the

legal department this year. She too is

a graduate of Masters in Law (LLM).

Her office is within the premises of BBCCC that make her available

Ms. Milagros Cardona

Atty. Francisca Claver

Ms. Mary Ann Bungag

Engr. Richard Pascua

Ms. Ofelia Pasion


Task Force on Loan Policy Created

By: Roberto I. Belda, Member, RDPC

T he Board of Directors (BOD)

of BBCCC last April 4, 2012

deliberated and unanimously approved

the creation of a task force whose main objective is to propose amend-

ments on existing loan policies.

The creation of the task force was

borne out of the proposal of Dir. Nel-

son V. Gayo about the concerns of some members as regards the existing

loan policies.

The members of this newest task force include: Emerita Fuerte (Chairman),

Mary Ann Bungag (Secretary), Art

Peralta and Ronald Linglingan as members. Their term of office is from

the time of their appointment and until

such time that their proposed amend-ments have become effective.

Art. 5, Sec. 2 of the BBCCC By-Laws

is the basis of the creation of this task force which states that, ―The Board of

Directors shall prescribe the terms and

conditions for the granting of loans, the maximum amount that may be

granted a member, the rate of interest,

fines for payment in default, maxi-

mum period of payment and all other

factors as will facilitate the loaning operation and safeguard the interest of

the members and the borrowers. In

determining the rate of interest, the

Board shall be guided by the overrid-ing principle of service above profit.‖

The task force is specifically assigned to prose amendments on loan services,

loanable amount at any given time,

loanable amount for special members in good standing, loan repayment pe-

riod and terms, loan requirements and

procedures, review on loan forms and

other documentary requirements, maximum amount of grocery pur-

chases and all other matters involving

loan policies.

Any proposed amendments shall take

effect 15 days after its actual date of

publication in the CoopServer and 15 days after the same amendments are

posted at the BBCCC bulletin boards.

All BBCCC members are thus encour-

aged to submit their proposals and

participate in the deliberations of the

said task force.

EDCOM Updates

By Clariza E. Bueza

Member, Educational and Membership

Committee (EdCom)

B ased on our records, the fol-

lowing are the approved new

members of BBCCC for the first and

second quarters of 2012: January - 69 individuals, February - 77, March -

73, May - 65, June - 55, July –67

(est.).

These applications were carefully

screened after the Pre-Membership Education Seminar (PMES) and be-

fore they were recommended to the Board of Directors for approval.

To those individuals intending to be-

come members of BBCCC, please be advised to submit first the required

documents to the EDCOM before you

will be allowed to attend the PMES as the ―No Walk-In‖ Policy is strictly

being implemented as regards the

PMES.

Skills Training and Livelihood

Seminar

A total of 25 participants including

our very own Chairman, Dir. Amparo

Rimas, actively joined the Skills Training which was held last June 30,

2012 at the BBCCC training room.

This was facilitated by Mr. Orlito

Basilio, aka Kuya Orly.

The participants had fun in baking

pandesal, spanish bread, toasted siopao and puto pao.

These trainings are conducted by the BBCCC for free. For members who

are determined to learn and to

augment their economic status by

having an additional income are all invited to the future seminars

organized by the EdCom.

(Eds. Aside from the survey conducted by

Atty. Gayo, the RDPC likewise conducted

its own members satisfaction survey

where the recommendations of both

surveys partly became the basis of the task force)


Housing Service Updates

By: Aurora M. Ambanloc, Housing Officer and BBCCC Director

T he Housing and Land Use

Regulatory Board (HLURB)

granted the BBCCC- Lubas Co-

Houser Project the extension to further develop the unfinished

projects which was applied last April

23, 2012 and must be completed by April 18, 2013.

The unfinished projects are the water cistern, water source, open space and

fencing. HLURB also required a

Revised Work Program that must be

prepared by a Project Engineer. Engineer Richard Pascua is the newly

appointed Technical Consultant of

BBCCC who will monitor the unfinished Housing projects.

An ocular inspection by a representative from HLURB will be

conducted anytime within the

prescribed period and a Performance

Bond to guarantee completion of these projects was also required. The

issuance of the extension shall be

without prejudice to the rights of buyers pursuant to Section 23 of

Presidential Decree No. 957.

The BBCCC Housing Service will be

focusing on marketing the unawarded lots to CHIPS savers who will invest

their money in cash or monthly

amortizations based on the Loan

Window Policy that was approved by the Board of Directors.

Those who undertook the CHIPS Orientation seminar in 2009 show that

of the 29 members only 10 are

qualified and twenty 20 have savings less than Php 55,000. For those

CHIPS savers of 2011, out of 26 only

five (5) have deposits of above Php

55,000 and 21 members have deposits less than the required amount.

Last June 17, 2012 was another CHIPS Orientation seminar and 10 of

the 12 participants went on tripping

scheduled last June 23, 2012. The next CHIPS seminar is tentatively

scheduled on the fourth quarter of

2012.

The Awarding of the vacant lots will

be scheduled sometime September or

October 2012 to give chance to those CHIPS Savers whose deposits are

below the required amount. CHIPS

deposits of one thousand and above

earn an interest as per policy.

T here is a boom in the enrol-

ment of the BBCCC Founda-

tion Preschool. From 31 nursery and

kindergarten pupils last School Year 2011-2012, now there are 49 pupils

all in all. 37 of them are enrolled in

the nursery level while 12 are in the kindergarten level.

These pupils are broken down into 11 boys and 26 girls in the Nursery level

while four (4) boys and eight (8) girls

comprise the Kindergarten level.

A new teacher has recently been hired

in the person of Ms. Julie Ann V.

Manuel. She majored in Special Edu-cation (SPED) at the University of

B a - guio.

BBCCC Foundation

Pre-school Updates

By: Dr. Amparo T. Rimas

School Administrator

Dir. Ambanloc addressing the CHIPS participants.

What is next to a BBCCC billion-

aire? A model of Excellence.

Attaining excellence means always doing the right thing. Excellence

through maximizing the resources of

the cooperative to provide and gener-ate employment to the community.

Excellence through providing better

service.

Excellence to encourage members to

earn more income using our SAVE

REGULARLY, BORROW WISELY AND PAY PROMPTLY formula.

And excellence perhaps in the human resources of the cooperative by pro-

viding better salaries and benefits,

more opportunities for personal and professional growth, job security and

probably the provision of a housing

benefit for the employees.

(Continued from page 8, Service…)


S tarting a new beginning... what

is next to a BBCCC billion-

aire?

On March 2009, BBCCC has reached

its billion peso mark asset. BBCCC

has been the role model of every small cooperative in the entire CAR

region or even the entire country.

It is an overwhelming scenario that

other cooperatives look up to

BBCCC. The achievements and suc-

cesses of BBCCC are always men-tioned in every cooperative gathering.

It is always an honor to be part of BBCCC, either as a member, a staff

or an officer. As an employee, it is a

always with great pride that every time people came to know that I’m

connected with BBCCC, they imme-

diately start to ask how to become a

member, what are the requirements to become a member and so on.

I am thankful that I am currently as-signed at the Management Informa-

tion System (MIS) Section where I

can apply what I learned.

I also serve as the technical assistant

of the Education Membership and

Training Committee that is why I am attending the Pre-Membership Educa-

tion Seminar every first Sunday of

every month. Sometimes I am also a member of the management team as-

signed to assist our visitors and guests

from other cooperatives.

Through better leadership by its offi-

cers and the management staff,

BBCCC manages to conquer all the challenges it is dealt with.

Service Excellence

By: Rizza V. Gacao

Dept. Head, MIS

Response of Ms. Shane R. Tadeo as one of the service awardees (15 Years) during the 2012 Induction of Officers

(see related story on page 4 of this issue)

G ood evening to all the

special guests, to the Board

of Directors, to my fellow awardees

and to all the Officers and Staff.

I can still recall when I had my

practicum in 1996, there were only 30 employees working at BBCCC.

The memories of attending General

Assemblies, Lakbay Aral and other activities were thrilling, breathtaking

and exciting. Looking back, I can’t

believe 15 years had already passed

and I’ve witnessed how the cooperative has developed.

Having a building on its own used to be a dream but because of the

dedication of the past leaders, that

dream became a reality. Another dream that came true was the

computerization. The manual

procedures of having numerous

ledgers, unending posting of daily transactions on members’ ledgers and

letting members line up on their

designated counters from A – Z were very much different when our system

was computerized.

It was made easy with just a click of

a mouse. Members were evidently pleased with this new service. It is

overwhelming when members would

say, ―Mabuti nalang may

tinatakbuhan akong BBCCC. Ang dali mag-loan, at ang bilis ng

release, ang babait pa ng mga

clerks.”

I’m touched with their testimonies on

how the cooperative helped them in many ways and I’m glad to be of

service to them. It is a wonderful

feeling of finding your purpose when

you find happiness and contentment in what you do. And it is true what

Sir Greg Rimas used to say that we

must love to serve and we must serve with love. We become a blessing by

helping people we meet because

some day, we might need their help too.

In my 15 years of service with

BBCCC, I’m blessed to have been exposed to different job assignments.

As an accounts clerk, I’ve learned

posting cdv’s, pvc’s and jv’s on member’s ledgers. As a grocery

clearance clerk, I’ve assisted

members in the issuance of grocery

purchase slips and familiarized

(Continued on page 11, Response…)

(Continued on page 7, Service…)


E thics generally refers to ways

of life – the ways of thinking

and acting in the pursuit of good life.

In ethics management, it refers to the whole management worldview and

organizational culture in which the

conduct of day-to-day work and rela-tionship leads to the ―good‖ of the

organization and its members. Crucial

to ethics management are the culture of trust and the character of leader-

ship.

In cooperative ethics management, cooperative leaders should be deeply

entrenched to the nature and founda-

tion of the cooperative. In a strict sense, cooperatives are not corporate

institutions. Though they might oper-

ate like ―banks‖, they should not lose sight of its foundation and advantage

as a value-based and member-focused

organization.

Cooperatives apparently are business

enterprise with a ―human face‖. Co-

operative advantage lies in the fact that cooperatives are service driven

without necessarily trapped with the

demands of the market for shares.

Joanne B. Ciulla, a noted writer in

ethics management published an in-

spiring essay entitled, “Trust and the Future of Leadership” which offers

an insightful engagement that calls

for rethinking the inextricable rela-tion between ethics and leadership in

a constantly challenged and changing

cooperative world.

Applying Ciulla’s thoughts to coop-

erative implies the ethics of coopera-

tive leaders have significant effects on the culture of the cooperative. It

means that cooperative leaders have

responsibilities to their cooperatives and to the society at large. Their re-

munity and society. This moral chal-lenge to cooperatives addresses the

integrity of its leaders.

The ethics of a cooperative is truly, to a great extent, shaped by the ethics of

its leaders. Business acumen, which

a leader is expected to possess, must go hand in hand with moral responsi-

bility. Since, no leaders are lonesome

in doing business; they need to recog-nize the role of other people in help-

ing them achieve cooperative goals.

They have to trust their people. Trust

is the value that allows people to in-teract with one another cautiously,

but never suspicious of others.

In the corporate world, it is trust that

makes certain corporations or coop-

erative better than others, in terms of getting people’s participation and

collaboration in pursuing corporate/

cooperative objectives.

In a pluralistic world of different cul-

tures, trust is what gives sense to

forms of transactions, business or otherwise. If leaders know how to

trust prudently, then they can effec-

tively influence others and success-

fully attain corporate well-being.

sponsibilities go beyond the bottom line of profit-maximization of the

organization, insofar as business is an

important dimension of the commu-

nity and society.

Making business efforts effective

must wisely include objectives that transcend corporate boundaries, such

as the promotion of social justice and

concern for the environment. It rests on the shoulders of the cooperative

leaders to rally their people towards

the achievement of the cooperative’s

vision and mission in the threshold of global corporate world.

To do this, cooperative leaders must have a sense of mission that inspires

them to be integrally competent as far

as acquiring the necessary coopera-tive and corporate skills and values.

Business skills, however, will have to

be developed within the context of

moral values.

Otherwise, business becomes a blind

economic activity that runs the risk of social impairment. Morally, the pur-

suit for financial success must be put

at the service of the members, com-

Ethics and Cooperative Management:

Trust and the Ethics of Leadership

By: Dr. Danilo S. Alterado, Member, EdCom http

://ww

w.in

stablo

gs.co

m/e

ntry

/ethical-lead

ersh

ip/

Cooperativism vs Individualism

By: Milo Severino N. Distor, Member, Secretariat


T his article articulates some

thoughts regarding coopera-

tive behavior or cooperativism. It sug-

gests that individualism is an obstacle to cooperative behavior which must be

overcome.

Cooperation can be understood ac-

cording to its general and specific

meanings. In its general sense, coop-eration means people working to-

gether or coordinating their actions. In

its specific sense, it means people

working toward a common goal that benefits the participants while ex-

pressing common interests which they

impart to the collective action.

These two meanings do not always go

together. For example, a business may have managers and workers involved

in coordinated work. But managers

may govern the workers’ behavior

with little input from workers. Manag-ers may use workers to generate profit

rather than to fulfill the collective in-

terests.

In this case, the specific meaning of

cooperation is not met. The general

sense of cooperation must therefore be distinguished from the specific. Focus

on the general features of cooperation

can hinder genuine cooperativism be-cause efforts can still remain in indi-

vidual pursuits.

Not all acts of kindness and coopera-

tion are forms of cooperativism. Someone helping another person fin-

ish a project so that the other person,

in turn, helps him in his own project

involves cooperation in the general sense but it is not cooperativism. In

this instance, both persons remain in-

dependent with their own interests and property. They only aim to help each

other fulfill individual interests. Mu-

tual aid involving reciprocity does not represent any group action toward

fulfilling collective objectives.

Cooperativism is also missing in situations where a group of individu-

als make use of a common area for

their own individual ends such as when individual vendors sell their

goods in a common space. The sellers

have no relation to each other and they do not really aid each other. Basically,

sellers involved still participate as in-

dividuals rather than reflect an inte-

grated group.

A purchasing club is also not coopera-

tivism. It consists of individuals put-ting their money together in order to

get price discounts. Each member is

concerned with how much money he

can personally save. Benefits are achieved by coming together still as

individuals. Members simply combine

their separate money while remaining as individuals with their own re-

sources and interests.

from 15 members and P150 share capital in 1958, to 18,000 members

and P1.2B assets to-date.

On the other hand, BBCCC has recognized the need to address the

social concerns of its members and the

community at large. Thus, in 2002, it created the BBCCC Foundation, Inc.

intending it to be its social arm, the

leadership of which should be an interlocking partnership between the

Board of Directors of BBCCC and the

Board of Trustees of the Foundation.

This functional relationship would be ideal to achieve common objectives

and directions, it was thought so.

The Foundation, true to its mandate as

social arm, has since embarked on a

number of humanitarian activities such as early education, scholarships,

street children, modest financial

assistance to various concerns.

At the moment, the Foundation has

presented to the BBCCC Board a

partial road map of projected activities for consideration in the use

of the Community Development Fund

(CDF) as envisioned in RA 9520.

Hopefully, a mutually suitable working partnership of the two groups

will be arrived at so that the

Foundation can set to work the soonest.

I wish both groups all the best, for after all, each is committed to work

for the attainment of our basic

mandates: Alleviate poverty, achieve

social justice.

(Continued from page 2, Going Back…)

(Continued to page 12, Cooperativism…)

A local dragonboat team. The movement of their pad-dles must be synchronized otherwise they lose speed. This is same with coopera-tives, everyone should row in the same direction.

http

://pssst.co

m.p

h/p

hl-d

rago

n-b

oat-team

-sasabak-sa-asia

n-b

each

-gam

es

“Through learning we are

mastering something…”

Setting aside what we’ve mastered and go-

ing in another line of something, a new be-ginning and mastering it again is an out-

standing thinking...but, setting aside what

we’ve not mastered yet and going in another

line of something, a new beginning, and not

mastering it again is a vague thinking.

Michael Tim Bosoy Balagot, BBCCC Staff

Quotations


F inally, I decided to start some-

thing new…again!!!

And so the cliché’ goes - When life gives you lemons, make some lemon-

ade… or throw in some tequila and

salt too!!!... or you can refer to more modern approaches like ―If life gives

you lemons, grow a lemon tree. When

that tree gives you more lemons, make a lemon orchard.

When that orchard gives you more

lemons, sell them and become rich. Then next time you see life, you can

say, ―Thanks for the lemons!‖ Life

hates people who are grateful for its l e m o n s . ‖ ( S o u r c e : h t t p : / /

hospitalera.hubpages.com/hub/when-

life-throws-you-lemons-quotes)

However which way you want it, the

key is to make the most of it. Life’s

challenges come in various forms, whether on a personal level or other-

wise. The greater part of the chal-

lenge though is how to rise up to that challenge.

Of the challenges that come to life,

finding the motivation to be always on the move and not being stagnant

sometimes is one part that requires

herculean effort. There is always the counter balancing factor of being in-

convenienced by stepping out of the comfort zone. It sure is a tempting

place to be in… just staying there and

resting on what has already been per-

ceived as achieved. To keep moving on to greater heights or to explore new

horizons is the other half of the chal-

lenge.

But life has a funny way, albeit pecu-

liar, of waking the forces that propels one to just keep on going. The epipha-

nies come across at times as spectacu-

lar in the sense that it has been so sim-

ple and unambiguous had the recipient been in tuned with the messages and/

or the modes of its delivery. However,

once the inertia is overcome, the changes begin to take shape.

This situation wiggles itself in various levels, personal and organizational.

What is heartening is that it is a choice

that can be made. As rational beings,

that choice can be done coupled with the direction to achieve improve-

ments that are projected. After all,

change is constant in this universe.

All it takes is find the right level and

degree of motivation to do so. More

often than not, the desire to be better in every which way is a good spring-

board for one to rise to the challenge.

So whether the change involves a

choice of leanings regarding food,

health, attitude, higher learning, ser-vice improvement, job expansion,

maximizing economies of scale and

what not, embrace the challenge to

take that first step towards it. The re-wards of moving forward may come

in various forms.

Either way, it is bound to enrich hori-

zons and experiences plus the ―what

ifs‖ as one ponders in later years how life has been lived can be lessened. As

BREAKING THE EQUIPOISE

By: Atty. Angeline May T. Cabrera , Member, Legal Committee myself with grocery charge slips and official receipts, and learned to

compute fines as a loan clearance

clerk.

I also had the chance to work with the

Legal Committee as a legal clerk and

assisted the committee in sending legal notices and learned some

wisdom in giving advises to members

in bad standing on how to settle their accounts.

It is a challenging and a fulfilling

experience to learn the different tasks and procedures in those job

assignments. I’ve learned the values of

camaraderie, humility, patience, professionalism, and finding solutions

to problems and believing that I can

do it.

Always having positive attitude that

sometimes no matter how horrible,

painful, unfair and disappointing, things happen with a purpose. And on

reflection, I learned that without

overcoming those difficulties, I would have never realized my potential, my

strength, my will power and my heart.

It’s nice working with you all, especially to my colleagues at the

Members Accounts Section. I

appreciate your cooperation, obedience, support and the respect you

showed me. I’m looking forward to

more years of service with BBCCC.

To the young ones and to the once

young, on BBCCC’s 53rd year and

still counting, may we continue to touch the lives of more members and

overcome all trials that come our way.

Thank you, more power and God bless BBCCC.

(Continued from page 8, Response…)

David Weinbaum puts it – THE SE-CRET TO A RICH LIFE IS TO

HAVE AS MANY BEGINNINGS

THAN ENDINGS.


will facilitate the collation of docu-ments and their recovery if needed by

the Board for the review and reformu-

lation of policies as well as the codifi-

cation of all the extant policies and guidelines of the Cooperative into an

organic instrument that incorporates

automatically all policy changes and amendments the moment they are

promulgated by the Board of Direc-

tors.

Prof. Distor, the newly appointed

member of the Secretariat, is a full

professor at the Saint Louis Univer-

sity (SLU) where he teaches Political

Science.

He brings to the Cooperative’s pool of

officers an extensive experience in

research, planning, and organizing

work that took him to such fields as

being the Philippine Coordinator of a

Japan-based non-government organi-

zation that helped lahar victims during

the aftermath of the Mount Pinatubo

eruption in 1991 and to Geneva, Swit-

zerland where he worked at the

United Nations (UN) offices.

He is also expected to render volun-

teer work establishing linkages for the

BBCCC Foundation Institute of Co-

operative Skills and Development.

T he 53rd BBCCC General As-

sembly Raffle was held last

June 30, 2012 at the ground floor of

the BBCCC building. The raffle started at around 5:40PM and hosted

by Dr. Amparo T. Rimas and BBCCC

Manager Mabel S. Pasngadan. Sev-eral members were also present to

witness the drawing of names from

the tambiolo.

The major prize is a 1,600 sq.m. titled

lot located at General Tinio, Nueva

Ecija which was won by Samuel Henry B. Eloc. The other major prize

at stake is one (1) Pensonic 26‖ LCD

Screen TV set won by Ariel G. Dayo-tao. While one (1) each Kyowa 2-

burner gas stove were won by Tessie

L. Federico, Judith M. Javier, Judy J. Victor, Emilia B. Tacandong and Ro-

cela U. Ocde.

The other prizes are: one (1) each Standard oven toaster won by James

P. Obille, Erenia S. Sumcad, Jenefer

A. Abul, Arturo G. Asuncion, Jane Y. Adalan, Dorina M. Mamaril, Billy

Yabut, Serapio R. Hipolito, Jr.,

Yvonne M. Baltazar and Ursula V. Ydio.

One (1) each 25-kilo rice won by Ma.

Paz D. Pascua, Marites B. Montes, Aurora M. Ambanloc, Arthur S. Bar-

rias, Marilyn Joy T. Aliba, Marilou B.

Bambilla, Josephine S. Orap, Marlou Espada, Joanne M. Bautista and Tere-

sita B. Julan.

And for the consolation prizes of a

grocery certificate worth P500 each,

the following were the drawn win-

ners: Helen S. Ciano, George K. Ramos, Mario J. Estrada, Leticia K.

Gaw-wi, Cesar Rico Valdez, Florites

L. Deocareza, Melonee A. Tibangay, Ana D. Almoro, Napoleon S. Ferrer,

Dominga A. Apadchiew, Marilyn M.

Tindowen, Angelica Ace Irah, Florde-liza F. Pisando, Julia P. Siiten, Luisito

L. Roman, Jr., Feliciano P. Carpio,

Venus L. Corpuz, Samuel K. Neyney

and Elizabeth P. Lanuza.

To all the winners, congratulations

and to those who did not win thank

you for participating!

(Continued from page 1, Re-engineering…)

Winners of the 53rd BBCCC

General Assembly Raffle Bared

Cooperativism begins when individu-als endeavor to give up their separate-

ness and private self-interests in order

to join together their wealth or posses-

sions and even their earnings to a de-mocratically managed group in which

the members collectively decide how

the resources will be used to benefit the members together.

Members of the group develop collective

projects while sharing group identity,

feelings, needs, motives, interests, and

responsibilities. Group practices result in

social solidarity and authentic support for

members. They also give rise to active

roles for each member in shaping the ac-

tivities of the group.

Fostering cooperativism is a difficult task.

One way may be to encourage people to

begin to reject the individualistic, private

self and replace it with a collective self.

The recognition of a collective self is nec-

essary to appreciate and strive for collec-

tive economic relations embodied by co-

operatives. Without a collective self, peo-ple will still expect and work for individ-

ual wealth and for benefits based on indi-

vidual investment and spending.

It is thus crucial for cooperatives to try to

carefully address individualistic behavior.

As a start, individualistic behavior should

be critiqued as detrimental to cooperation.

In this way, employees, managers, mem-

bers, and directors can become more self-

reflective and make their own behavior

more cooperative. An individualistic ap-proach will still lead cooperative members

to compete with each other, insist on their

own personal views, reject suggestions

from others, react negatively when some-

one commits a mistake, take mistakes

personally, and even belittle others.

Fostering true cooperativism may mean

focusing on oneself in order to identify

concrete personal conditions that serve to

hinder cooperative behavior and on condi-

tions that can facilitate it. No amount of sensitizing people in terms of general is-

sues can make them develop real coopera-

tive spirit. Focusing on general processes

of cooperation overlooks the c o n -

crete demands cooperativism m a k e s

(Continued from page 10, Cooperativism…)

“Progress Through Unity and Service”“Progress Through Unity and … · Joseph Porfirio L....

Documents

Transcript of “Progress Through Unity and Service”“Progress Through Unity and … · Joseph Porfirio L....