"Progress lhro ugh Unity and Seruice"

Tiooo@@@pseRvevwebsite: www. bbcccon line. co*hS Cooperative Community News and Features

Baguio Cig, Philippines Vol. 13, lssue 3 (Oc{.-Dec.20f 0}

lnside.2010 Coop MonthCelebration. Page 6-7

Lubas Housing Site Development

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Nears GompletionPhoto shows BBCCC Directors (from letl)Auring Ambanloc, Oscar Adversalo andBelle Ronquillo together with General-Manager Ronnie Cardona (3rdfrom left)showing the HLURB License to Sell cer-tificate.

own the lot they purchased providedthey complied with the full paymentrequirement.

Eighty-five percent (85%) of the fenc-ing is already complete while the slopeprotection along the access road isalready 90% finished.

The concreting of the access road is45% complete and a portion of whichis already undergoing a curing period.For the electrical aspect, there werc 29electric posts with wirings that wereerected and two transformers stillwaiting to be installed.

The concreting of the alley at Block 2is 80% complete which includes the10O-steps stair going up to Block 3.

The current Housing Committee iscomprised of the Task Force Develop-ment (TFDev) with Directors OscarAdversalo, Mario Valdez and ArtAsuncion as members. The othergroup is the Task Force Documenta-tion (TFDoc) with Directors NelsonGayo, Amparo Rimas and Belle Ron-quillo as members. Dir. Auring Am-banloc is the current Housing Officer.

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-.--"..;- + i8,i o0lirif fr iptt rgg{t l.{D ,* rhbs9.By: Aurora M. Ambanloc

Housing Officer

Tn" Housing Committee of BBCCCwas created in 1998 to provide solutionto the ever increasing cost of owning ahouse. Members are thus given theopportunity to own house and lots ataffordable prices.

The Cooperative Housing and Invest-ment Savings (CHIPS) seminars werethen organized to allow me4bers in-terested to avail of this new service inorder to learn more about the programas well as start their own CHIPS sav-ings.

Today, the then 4,195 hectare agricul-tural land located at Lubas, La Trini-dad, Benguet which was acquired in1998 is now transformed into a resi-dential area.

Last November 28,2010 when all therequirementS were. submitted to theHousing and Land Use RegulatoryBoard (HLURB) the Certificate ofRegistration No. 22068 was finallyissued to BBCCC.

And on December 3, 2010, the Li-cense to Sell (LS #23336) was like-wise awarded by HLURB pursuant toits Section 1l of the Revised Imple-menting Rules and Regulations of PD957.

BBCCC is now ready to transfer indi-vidual titles to qualinea awardees.With the on-going constructions,BBCCC as the owner/developer ex-pects to finish the site developmentby the end of February 2011. Thismeans that the 35 member-awardeeswho availed of the service can now

Page 2 lAo 88OAA AOOPSgnYeR october to Decen$er 2010

Reeognition and Gratitude

By Da Amparo T. RimasGhairman/President

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BBCCC General Manager Veronica A. Cardona

She assisted in streamlining loan procedures resulting in moreefficient and cost-cutting schemes to the great relief of mem-bers. She has effectively reduced overtime expenses to al-most 0% level. Her proposals have significantly guided theBoard to decide on policies and stategies on the delinquencyproblem which has decreased fiemendously the litigation,communication and debt allocation costs.

For all these, BBCCC salutes and thank this Great Manager,this Great Cooperative Leader, this Great Lady.BBCCC hasseen better things and better times during her watch. Thus sheleaves her work justifiably proud and happily fulfilled. Shehas indeed exemplified what is said of great leaders:

"They serve in humility deeply imbued with the spirit ofgenuine service!"

Mommy Ronnie (as she is fondly called), goodbye ls notseparotion, it only meons we shall meet agaln!"

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Leaders come and go but they leave their mark behindand their legacy for all to take note, for all to learn from,for all to be inspired with.

Ms. Veronica A.'Cardona, our General Manager, hascome and she is leaving, she came not only fullyequipped to do a good job but more importantly totallycommitted to make every member of BBCCC proud.

Joining the Cooperative twenty-eight (28) years ago as

a bookkeeper but performing a myriad of other tasks(clerk, collector, janitor, etc.) she has gone through theranks occupying the position of Accounting DepartmentHead and Chair of the Audit and Inventory Committeeprior to her appointment as General Manager effectiveAugust l, 2008. She is vacating this position as a retireeand has served for almost three years, 29 months and 11

days to be exact.

Her stint as General Manager, though relatively short,saw her instituting remarkable improvements andchanges, some continuing the work of former managersand a considerable number of her own initiative and in-novation. Barely a year into the job, the Cooperativeregistered its first billion, a feat that impressed coopera-tives nationwide, including the Asean cooperativeworld.

She has effected the salary standardization and depart-mentalization schemes; the completion of the computeri-zation; evolved the subordinate-participated evaluationtool; installed to almost 100% the POS at the grocery,did regular reshuffling of personnel to give everyone theopportunity to have valuable and varied experiencesnecessary for career-pathing.

She caused the creation of the long-overdue Human Re-source Department and the manualization of the Gov-ernance and Ethical Standards Handbook. Ever con-cerned with the growttr and development of the stafl shemade it a point that everyone had his chance to attendseminars or conferences for their much-needed upgrad-ing and updating of skills.

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lb EUNAO AOOPSQH/€R october to Decenser 2010 Page 3

Editorial

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Gompleting the Pieces:The BBCCG Gooperative Housing Service Proiect (BBGGGGO-HOUSER) and the accomplishments and developments

it has done to date.

The BBCCC COOPSERVER is the Official Newslet-ter Of thE BAGUIO.BENGUET COMMUNITY CREDITCOOPERATIVE -(BBCCC) and is published fourtimes a year.

No. 56 Cooperative St., Assumption Road, 2600Baguio City, Philippines.Website: bbcccon line. comEmail: bbccconline@yahoo.com

Tel Nos.: (074) 442-6603;(07a) 442-5872;(074) 304-2946 TeleFax: (074) 4444993

Consultants BOD Chair, Dr. Amparo Rimas and GMVeronica Cardona File Photos Managementlnformation Systems

Oscar R. AdversaloEdltor,-ln4hlcl

Roberto l. Belda Stephenle Lee Ong

Page 4

RDPG Loan DelinquencyStudy Released (Parl2l

By: Roberto I. BeldaMember, Research Development

end Publications Committee

Tn" Research Development and

Public'ations Committee (RDPC) ofBBCCC recently released the resultof the second part of its loan delin-quency research for 2010. For thisstudy, loans made by members ex-ceeding P100,000 or more were scru-tinized.

The objectives of this study were: a)to determine the reasons behind theincreasing loan delinquency rate ofmembers. b) to identiff future re-search projects related to loan delin-quency and c) to provide recommen-dations and suggestions on how tominimize the loan delinquencyamong BBCCC members.

Loans that were taken as early as

2004 and as recent as 2009, weremade as part of the study. The re-search technique employed includecase studies, review of data and otherpertinent records and interview ofresource persons directly communi-cating and interacting with memberswith loan delinquency problems. Thestudy was conducted between Octo-ber ar-rd December of 2010

This study revealed the common rea-sons cited by the members on theirloan delinquency problems whichinclude: a) the business for which theloan was taken became banknrpt. b)the loan was secured in order to pay-off another loan.

c) The borrower had existing multipleloans with other lenders like lendinginstitutions, banks, loan sharks,neighbors etc. d) occurrence of per-sonal problems and emergencies. e)the loaned amount was lent to some-body for a specific project but theproject did not materialize.

f) Borrower was deep into gamblingand vices. g) fortuitous events likefloods, landslides, fire, typhoonswhich affected their ability to pay theloans on time.

Aside from pushing the full imple-mentation of capacity-based lending,the study revealed that in order forloan delinquency to be minimized orif not eliminated regular reminders tothe members in the form of text mes-sages should be regularly done.

Also, assuming if the loan has beengranted under stringent quality con-trol, a follow-up communicationshould be initiated preferably an ac-

tual site visit by representatives ofBBCCC.

RDPC would like to acknowledge the

assistance provided by MickeyBalagot, Legal Assistant; Jimmy Tor-

res, Liaison Officer/Collector and

Ronald Linglingan, Loans Officer forthe valuable help they extended to

complete the study. CI

Quotations

'The more generous we are, themore joyous we become. Themore cooperative we are, themore valuable we become. Themore enthusiastic we are, themore productive we become. Themore serving we are, the moreprosperous we become."

- William ArthurWard (1921-1994)

Adversalo ElectedBCGDG Ghair

By: Stephenie Lee OngMember, RDPC

BBCCC Director Oscar R. Adver-

salo was elected as the Chairman ofthe Baguio City Cooperative Devel-

opment Council (BCCDC) last De-

cember 17 ,2010.

The establishment of the BCCDC isauthorized under EO#95, series of1993 which mandates the organita-tion of Cooperative Development

Councils at various levels nationwide.

The objectives for which the Councilis formed are: l) To serve as the

mechanism to ensure a strong partner-

ship between and among the Coopera-

tive Development Authority (CDA),

other National Government Agencies(NGAs), including the Government

Financial Institutions and Instrumen-

talities (GFIs), the Local Government

Units (LGUs) and the Cooperative

Movement itself for the purpose ofadvancing the spirit of cooperativism

in the country.

2) To serve as a mechanism for col-laboration, consultation and coordina-

tion in the implementation of various

programs and projects by all govern-

ment branches, instrumentalities, subdivisions and agencies for the cooperatives.

Dir. Adversalo accepted the position

in view of helping cooperatives in the

city of Baguio become efficient, ef-

fective and sustainable vehicles ofgenuine people empowerment.

O

fio 884@ @OPS&AA9P october to Decen&er 2010

loan delinquency is a potential prob-

GapaCiQl-BaSed lem from the very beginning and

Lendins pushed 3ll':l':::Jfi"lin,Hr:':::Jh;By Roberto I. Belda collatgral, co-maker, character and

Member, RD*C capacity. This just means taking aproactive stance on the situation and

T . ^-;^^+ rL^ ^-^.--:- - initiating the capacity-based lendingIn a move to arrest the growing l_- --_

roan delinquency probrems "r.;; :!!il":lr lrj[i:f' Ji ,::l .!5|I

i"";Hr'ives' the *"H:"*,:;1x: lu"n,v.

(NORWESLU) held last Nov. 2a: Ms. Depatog being a member of an2010 the so-called Capacity-Based institutional coopJrative meanwhileLending seminar from 9am to 4pm shared her experirn"", and how theyat the BBCCC seminar hall' initiated stepi to lessen loan delin-

This identified need becomes evi- quency'

dent as more and more cooperatives After all, their cooperative experi-are experiencing a high delinquency

"n"", minimal conte*s regarding

rate in their loan operations' this problem because before the sala-

Invited to share their experiences to [::"r".:,tf" iffifiil,:f|r|#:"?::the participants were Dr. amParg matically deducted frorn their pay-Rimas, NORWESLU Manager and roll. However, this does not meanBBCcc chairman, Mr' oscar Ad- that that they are taking this concernversalo, NORWESLU Chair and tightly. They include ln their loanBBCCC Director and Ms. Lea De- ;;;;trr. u u.ry strict loan approvalpalog of the Baguio General Hospi- ;";;.tal Employees Multi-Purpose Coop- J

erative (BGHMPC). Jhe capacity-based lending seminar

According to Dr. Rimas, loan delin- ll,il.:t#Tffi|*' :lo"1ffi;p,l"J"1;quency is the most serious problem gug"io City and Bengult who par-of a credit cooperative' Not onlv tici"pated in the activiffl They learneddoes it endanger the cooperative's trt"f i"ar"J it ir ar*uys u rrruilrngr t"

ff:'h'il'3",',ll'T "I'Jffifi::::: m'*,n;*::;rj*n;,f:il:and tarnishes its public image' iTg the optimum operational effi-

That is why she also reminded that ciency of their cooperatives'

loans shouid be carefully given be-

fio 88AOA eOOPSeRYeR october ts December 2010lAo 88@l(X2 GOOPS€RI/€R octaber ts iet

loar

GaPaciQl'Based lem

Lendins Pushed 3llBy Roberto I. Belda coll

Member, RDPC caPi

pror

In u move to arrest the growing 111tloan delinquency problems orrnorl :i|lt"";Hr'ives'

the *"Hl*,:;xx: lu",

(NORWESLU) held last Nov. 2Q, Ms.2010 the so-called Capacity-Based instLending Seminar from 9am to 4pm

sharat the BBCCC seminar hall. initi

This identified need becomes evi- que

dent as more and more cooperatives Aft(are experiencing a high delinquency

"n",rate in their loan operations. ti,

Invited to share their experiences to [::the participants were Dr. Amparo matRimas, NORWESLU Manager and rollBBCCC Chairman, Mr. Oscar Ad- thatversalo, NORWESLU Chair and lishBBCCC Director and Ms. Lea De- pr?,palog of the Baguio General Hospi- Ivsttal Employees Multi-Purpose Coop- J

erative (BGHMPC). The

According to Dr. Rimas, loan delin- ;,|',quency is the most serious problem gunof a credit cooperative. Not only ticiidoes it endanger the cooperative's th"i

ff:'h'jl3"l**"I'Jffifi::::: ru;and tarnishes its public image. iTg

That is why she also reminded that cler

loans should be carefully given be-cause the money that is involvedbelongs to the members and the b,'non-payment could hurt everyone ffiinvolved in the cooperative.

ffiIt is from here that the lecture of ffiMr. Adversalo took off, coopera- ffi,Wtives can either react to this situa- 'fr',,'ffi

tion by being reaetive or proactive. TIffi

2O1O Lakbay Aral

By: Stephenie Lee OngMember, RDPC

Reactive just means that the copp-erative leadership waits until thedelinquency becomes a problem.

Or the leadership recognizes that

Nouemb er 26 and 27 2010, employees

and officers of the Baguio BenguetCommunity Credit Cooperative(BBCCC) has its Lakbay Aral at Pangasi-nan. This is an annual event at BBCCCwhich is aimed to promote camaraderieamong its officers and staff with the dif-ferent cooperatives and to have an ex-change of the cooperatives' good prac-tices which are worth emulating (Aral).The "Lakbay" component is an avenuefor the cooperators for rest and relaxa-tion.

Lingayen Catholic Credit CooperativeInc. was visited by BBCCC this 2010. Itis also a credit cooperative like BBCCC.They have more than 15000 members.Points about collection of loans and 1e-duction of delinquency rate were the cen-ter of the discussion during the get to-gether and exchange ofbest practices.

The R&R portion was at Hundred Islandsin Alaminos, Pangasinan. Hundred Is-lands was a perfect place to have a breaksince it is an awesome and comfortingplace. Indeed it is a splendid creation ofGod. Officers and staff had enjoyed'is-land hoping, swimming and simply sit-ting by the beach. It was time for them tobe with nature, with God and be witheach other in a non-working environ-ment.

A visit at the Manaoag Church was also apart of the itinerary. It is a time to thankthe Lord for the many blessings he gaveto our dear cooperative - BBCCC. O

The BBCCC staf atthe mezzanine ofLingayenCommmunity CreditCooperative whilewaitingfor theorientation and brief-ing by the LingryenOficers.

Page 6

The BBCCC delegates to the2010 Coop Month celebrxtion Rep. Jose Ping-ay ofCOOP NATCCO

party list delivering his message.

Dir. Art Asuncion and GM Ronnie Cardonqcarrying the colors of BBCCC (left). Above,

Clarissq, Rizza and Stefproudly displayNORIIESLU banner.

Photos below show BBCCC members touching base with their eounterparls belonging to the other

celebration. This is one way of showing solidarity to the ideals of cooperativism

By: Roberto I. Belda, Member F C, Photos courtesy of the MIS

lAa 88AAA eOOPSeRyeR october to December 2010 na 88AAA @OPS32U32 october to Decenser 2010

Dr. Amparo Rimas shar-ing BBCCC's best prac-t ices to.t he p art i cip ants.

r,r0ut{ratF pn0vllltt

Page 7

Map showingLamut, Ifugao

I

IFUGAO

l

LATUI .

'Jl -il ir: '

RUEVI VIZ(AYA

. lsA8{u

B BCCC represenlatives pre-paring.for the presentation ofdelegates parade.

cooperatives who attended the

The Hungduan Employees MPC delegatescarrying the 2010 Coop Month banner.

As part of the cultural presehtations, aweddingdance vas performed by members ofthe KtanganComnunity MPC.

The Paniqui High School Band of Bagabag,Nueva Vizcaya enteting the seminqr qrea.

B BCCC delegates enj oyingtheir time at the celebration...vrith the Pivong Mulli-Purpose

Coop (MPC) of lfugao.

..with the Kalanguya CulturalComnuhtty MPC

...u/ith the Aguinaldo PomhochonMPC of Augao.

...with the Provincial Engineer-ing O./fice MPC of Kalinga.

...\9ith rhe DENR-CAR Employ-ees MPC of Baguio City.

...\'ith lhe Kiangan ConsufiersMultipurpose Dect Coop.

.l.with the Lagawe MPC ofIfugao.

...reilh lhe Savings and LoansGroup MPC of Banaue, Ifugao.

...u'ith lhe Butatuo MPC ofTabukCity, Kalingo.

...u'ith rcprcsentatives rtom anAbro cooperatire.

...with lhe Lamut Grussrool Sdv-

ings and Devt. Coop.

...wilh members ofrarious lfugaocooperol[ees.

The Paniqui High School Band perfurmingone of their numbers.

"Kooperatiba: kalpuhan di baddang ya kiphodanD(Gooperative: Source of Assistance and Progress)

BBCCC delegates posing in

front ofthe Ifugao StateUniversity campus main gate(left). Members of the Pi-wong MPC demonstratingt he han es t fes t iv ql qctivtt ies(riSht).

2O1O COOPERATIVE UIONTH CELEBRATIONNayon, Lamut, lfugao

28-29,2010lfugao State U niversity,

OctoberI

Page 8 lAo 88042 OOOPS&RY6R october to Decenber 2010

FORMALIZATION OF MICRO-

INSURANCE ACTIVITY

By Recilyn L. NonesAudit Committee Staff

A seminar on the formalization ofmicroinsurance activities was re-cently held at San Juan, La Unionlast October 26, 2010. Participantsfrom BBCCC were lrilian Basilio,Genevie Perez, Rukcy Regala andRecy Nones.

Microinsurance is an activity provid-ing specific insurance, insurance-likeand other similar products and ser-vices that meet the needs specificallyof the low-income sector for riskprotection and relief against distress,misfortune and other contingentevents.

This may be in the form of insuranceand other similar activities with thefollowing features: premiums, contri-butions, fees or charges are collectedor deducted prior to the occuffenceof a contingent event and the provi-sion of guaranteed benefits are pro-vided upon occurrence of a qontin-gent event.

This Regulatory Framework tbr Mi-croinsurance was formulated by theInsurance Commission in coordina-tion with Department of Finance-National Credit Council, CooperativeDevelopment Authority, the Securi-ties and Exchange Commission, theassociations of life and non-life in-surance companies, cooperative in-surance societies and mutual benefitassociations.

This regulation clearly specifies thedetails for the establishment of anappropriate policy and regulatoryenvironment that will facilitate theincreased participation of the privatesector in microinsurance. This willensure that the rights and privilegesespecially of the poor sector of soci-ety are protected in whatever insur-

ance agreement they may enter into.

Microinsurance includes pool offunds collected by informal insuranceprovider like the cooperatives. Coop-eratives must have clear guidelines inmanaging the funds to provide a

smooth transition for the formaliza-tion of unauthorized insurance or in-surance-like activity. Cooperative as

big like as the BBCCC should assure

its members on how it manages andutilizes the fund for their benefit.

An example of this is the damqyqncontribution wherein BBCCC collectspremiums from the members andplaces it in a pool of funds for the pur-pose of covering the insurance needs

of the contributor/rnember in case ofdeath.An issue was raised if this formaliza-

tion of microinsurance would reallycater to the needs of the poor when

the need arises or would just be an

added problem since most insurance

companies take time to release the

claims of its clients. It was observed

that portions of this Memorandum

Circular caused some participants toask more questions. O

Learn about life insurance and its importancefor your family and even for your business.

ln the process you might also get to pick a few tipson savings and investments.

Call or text us today to schedule tor a FREE personalfinancial planning advice.

Cocolife - BaguloMyla M. Belda, Unit Sales Director(0922) 826.45-95r(074) 424-24,11mbelda200l@yahoo.comcocolife.com

FfIEHT}{}M T(} LTVtr YOtlIT LIFE

ltu 88A/tO @OPSenYeP october to December 2010

Ten Gommandmentsfor an Office Employee

By Ronald B. LinglinganLoans Officer

t) Place God first before anythingelse. Every morning before youwake up, every undertakings andendeavor, including making deci-sions, He should be the first in yourrnind and heart. Love Him uncondi-tionally as you value your workfaithtully.

2) Do not take the name of the insti-tution you're working with in vain.Love your employer and your work.Give your best in everything you doin the workplace. Show apprecia-tion, as the institution will rewardyou for it.

3) Remember to comply with everyrules and regulations your orgmiza-tion promulgated. They are yourguidelines to be more effective andeflicient in your work. Attend so-cial events provided for by the insti-tution for your personal and profes-sional growttr and development.

4) Honor and -respect all people youdeal with. From the Board of Direc-tors, your superiors, the cooperativemembers, co-employees, visitorsoetc. Respect will also be given toyou.

5) Avoid gossips, indifferences, bit-terness and jealousy. Change startsfrom within you. Have a good rela-tionship within and outside of theorganization you are working with.Be cordial and accommodating.

6) Do not commit scandalous acts thatwill destroy your reputation and thename of the organization. Be faithful toyour promises and the role assigned toyou in the office.

7) Do not commit pilferage in the work-place nor steal the ideas of others andboast of your achievements. Rather, behonest and work with others harmoni-

ously and generously without expectinganything in return. Do it with love and

honor.

8) Do not bear false witness against yourco-employees and clients instead speak the

truth. Practice tolerance with caution and

tactfulness.

9) Do not take anything that is not yours.

Respect the other person's property. Learnto ask permission if you wanted to borrowor use anything that does not belong toyou.

l0) Do not commit moonlighting and en-gage in other work other than your work inthe institution. Be loyal to your present

employer and give your fullest sincerityand fidelity. God will rewar$ you a hun-dredfold if you care for what you are and

where you work. O

CONNEGTIVE LEADERSHIP:THE ESSENCE OF

GOOD LEADERSHIP

By: MariaPaz D. Pascua, HRLO

A good leader is a good follower. To

be an effective leader means puttingyourself in the shoes of your followersand making yourself a worthy examplefor your subordinates to follow.

But it is not to be forgotten that everyleader has his own style of managingsubordinates to bring out their poten-

tials. And that no leadership style is

better than the others. In fact, variousleadership styles maybe utilized simul-taneously to address specific situationsat any given time.

One of the many leadership styles isthe so-called connective leadership.This is a way and pattern of leadershipby which a leader shows his concernand respect for the ideas and beliefs ofhis staff member. Instead ofjust order-ing them, he examines their thoughtsand even discusses issues for the bene-fit of the whole group. It shows respectfor the views of his staff which in turnwill lead to respect for him as a leader.Employees will then work together tohelp him and unity is achieved.

The Connective Leadership Wheel

Connective leadership requires theheart and nerve of a leader, includingthe help and cooperation of each staffmember. Thus, the team's future doesnot solely depend on the leader buteveryone else in the group, with each

staff member responding not to com-mand but to their own initiatives.

The advantage of connective leadership isthat it encourages constant communica-tion. It inspires people to help their fellowstaff members,'making it possible for allabilities and strengths to be further devel-oped and maximized.

In organizations like the BBCCC, themanager should consider each one's be-liefs and cultural b4ckground. He shouldbe considerate at all times, prioritizing thecomfort and contentment of each emplby-ees but without sacrificing the organiza-tional objectives. As the saying goes

'ol.ove begets love". And when franslatedinto leadership, this means a leader's re-spect for others is the source of their sup-port for him.

In every company, there are different de-partments/sections assigned to do specifictasks. Each departmenVsection is a part ofthe big picture that keeps the companyturning. And when any of the deparfrnents/sections fail, the entire company suffers.Each department and each section mustthen be well-oiled to medt the demands ofthe company. And it is the leader's job tolovingly apply the oil of encouragementand motivation to each and every one ofhis departments and sections.

Leadership nowadays is very significantfor countries, corporations, companies,schools and even in families. Whether youate a sister, daughter, brother, son, fatheror mother, there will always be peoplearound you who will look up to you forencouragement and leadership. O

Page I

Page 70 fio 88AAe eOOPSeRyeR october to December 2010

WEYGOilI Year-EnderReport

By Jovie L. MarinasMember, WEYCom

Tnit year's BBCCC Christmas cele-

bration was highlighted by an Inter-DepartmenUSection Christmas Deco-ration Contest announcement of win-ners.

The contest lasted for three monthswhich kept each member of the de-partment busy decorating and beauti-

&ing their respective areas of con-cern during their spare time. Thejudges for this year's contest include:Ms. Guillermina O. Pefia, Chairper-son and Ms. Nenita R. Catabay &Rouellie Mae I. Liquiran, as Mem-bers.

The first prize went to the Account-inglFinance/Audit department whichwon P2,500 plus certificate. The sec-

ond prize was awarded to the Grocerydepartment which won P2,000 pluscertificate.

Adminishation/llR department tookhome the third prize with P1,500 cash

incentives plus certificate. Not to beoutdone were the Billing and Collec-tion Section, MIS and Loans Sectionand the Members' Account Sectionwhich were awarded consolationprizes and P600 each plus certificatesas rewards for their efforts.

Congratulations to all the respectivedepartments for their participationand cooperation in making this year'sChristmas decoration a success.

The other activity initiated by theWomen, Elderly & Youth Commiffee(WEYCOM) was the Pamaskong Li-breng Gupit which managsd to serveforly eight (48) recipients. This washeld at BBCCC function hall last De-cember 17 ,2010.

Last October 2010, WEYCOM like-

Accounting/ F inancdAudit Dept.,

first prize winner, 2010 Christmas DecorContest.

wise initiated a body massage servicewhich allowed l5 members to avail ofthis service.

WEYCOM wishes to announce itsplan to organize the Senior Citizen(SC) members of the cooperative. Asper the records, there are about 1,276

active SC members.

All SC's are encouraged to register thruthe security guards on duty. There are alot of activities awaiting you. WEYCOMenjoins all the SC's to participate in theplanning and organizing of some of these

activities. This will not only benefit thecooperative but also improve the welfareof our senior citizen members.

The WEYCOM is led by. its Chair, Dir.Isabelina G. Ronquillo, ild Members,Jovie L. Mariflas and Mila E. Tacderas. 6

Picture above shows employees per-forming a dance number and enjoy-ing afun game.

Acquired Assets for SALETitle Area Location

NT 308238/041-2010000062 1,600sqm Gen. Tinio (Papaya) Nueva Ecija

T 62616 500sqm Tabaan Sur, Tuba, Benguet

T 62615 1,000sqm Tabaan Sur, Tuba, Benguet

T 53172 340sqm lrisan, Tadiangan, Tuba, Benguet

lnterested buyers are requested to contact:

Dir. Arturo Asuncion, Oversight Officer on Loans, Billing and conectionCell phone#(0918) 31 54045 t (074) 422-5872t(074) 304-1210

Page 77 rhe BBCCc Cil)PSERVER october to Decenber 2010

2O'IO BBGGCGhristmas Party Held

By Roberto I. BeldaMember, RDPC

BBCCC is an institution that believes that

what it'has accomplished for 2OlO is notmade possible without the help from thepeople who works for it, honored its mostloyal employees last December 18,2010 atthe BBCCC function hall.

This event also coincided with the BBCCCChristmas party where everyone took thetime to share not only their material bless-ings but also their God-given talents thrusome presentations as well as the final de-cision on the Best Christmas decorationsdone per department.

The following were the service awardeesfor 2010: Evelyn Borja (15 years), DaniloDizon (10 years), Jocelyn Valencia (5yeers) and Rizza Gacao (5 years) who alsoaccepted the honor in behalf of the em-ployees.

The Best Christmas decoration for 2010went to the Accounting/Audit/Finance de-parfrnent. The second prize went to theGrocery deparfrnent while the third pnzewas taken by the Admin/t{R deparfrnent.Not to be outdone were the Billing andCollection, MIS/Loans and the MernbersAccount departments which were awardedconsolation prizes for their efforts.

Acting as emcees for the whole proceedingwere Ms. Rosemarie Gamotlong and Mr.Mickey Balagot. Dr. Amparo Rimas,BBCCC Chairperson and Dr. Mario Val-dez BBCCC Vice-Chairman also gavetheir words of encouragement to those whoattended this important event. Mr. HenviSalon provided some fun and excitementby leading the games portion of the event.

Congratulations should also be given to theWomen, Elderly and Youth Committee fororganizing this year's Chrisfinas party spe-cifically to Dir. Belle Ronquillo, Ms. MilaTacderas and Mr. Jovy Marinas.

Christmas is not only a time for sharing

utd gift-giving but also a time for remem-

bering the birth of our Lord Jesus Christ.

BBCCC as an institution fruly remembers

this as it celebrated its 2010 Christnasparty. o

Legal GommitteeUpdates

By Michael Tim Bosoy BalagotLegal Assistant, Legal Committee

Fot the year 2010, the Legal Commit-tee (LC) filed six (6) cases for the Peti-tion for Extrajudicial Foreclosure ofReal Estate Mortgage and two (2) Da-cion, En Pago cases. The committeecollected a total of P20 million as

amount of past due accounts from de-linquent members with undertaking.

Forty percent (40%) of the total loanbalance of members with undertakingwas already collected. The LC is stillcollecting as of the year ended for thepurpose of reducing the delinquencyrate of BBCCC and to increase the co-operative's return of investment (ROI).It is expected that the members of thecooperative will benefit from thesepositive actions.

For those members who still needcounseling regardirng their past dueaccounts, please do not hesitate to visitthe LC at any time from Mondays toSaturdays.

Remember, that the LC serves as aconsultant, thus, it will help memberssolve their probletns regarding theirpast due accounts. It is advised thatmembers with dub and demandablenotices should settle all their accountsotherwise the cooperative will have nochoice but to file legal actions againstthem.

The LC is a committee created by the Gen-eral Assembly through the Board of Direc-tors. It seryes as a legal adviser or consult-ant of the Cooperative; causes or facilitatesextra-judicially or judicially the collectionof delinquent accounts of members; drawsthe legal forms, deed$, conmcts and otherlegal instruments or papers that maybeneeded by the Coopqrative; and performsany or all acts and duties incident to the

'Committee and such other duties as maybeprescribed in the By-Laws or authorizedbythe General Assembll through the Boardof Directors.

Legal Committee (from left) Atty. An-gie Cabrera; Michael Tim BosoyBalagot,-Legal Asst; Atty. NelsonGoyo; Atty. Zosimo Abratique

The LC also wants to thank the mem-bers who complied with the madeagreement (Undertaking) and to thosemembers who are still firying to com-ply with the Undertaking/CompromiseAgreement. The LC is very muchwilling to serve the BBCCC mem-bers. The LC believes that attainingjustice is always fair and reasonable. O

EDGOM UpdatesBy Riza E. Bueze

Member, Educational and MemberchipCommittee

For the last quarter of 2010, l9lindividuals have been grantedmembership with BBCCC.

Based on the records, for Octoberthere were a total of 69 new mem-bers accepted and for the month ofNovember there were a total of 50new members.

However, these figure might havebeen bigger if not for some appli-cations that wene made pendingdue to the incomplete submissionof requirements.

For those individuals inte,rested toattend the next Pre-MembershipEducation Seminar (PMES), justvisit the EDCOM offrce anytimefrom Monday to Saturday andbring with you complete require-ments. The schedule of interviewfor membership will be given toyou. The next PMES is scheduledon February 6,20lL O

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