Post on 08-Jul-2018
8/19/2019 Coop Written Report
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Republic of the Philippines
POLYTECHNIC UNIVERSITY OF THE PHILIPPINES
COLLEGE OF BUSINESS
QUEZON CITY
WRITTEN REPORT IN COOPERATIVE
MANAGEMENT
In partial fulfillment for the Subject Cooperati!e Mana"ement
#COOP $%&'(
Pre)ente* b+
Rolan*o Irojo ,r-
.
Chan*ler /eith Claro
Pre)ente* to
Profe))or E*"ar*o S- 0elmo
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2016
Cooperati!e 1ealth
Mana"ement 2e*eration
Address:
34 Mala5a) St- 6r"+- Pin+ahan7 Central 0i)trict7 0iliman7
8ue9on Cit+
Type of Cooperative:
1ealth Ser!ice Cooperati!e
Under Category: Primar+ Cooperati!e
Years of Existence:
: +ear ; Re"i)tere* in Cooperati!e 0e!elopment Authorit+ on
< 2ebruar+ %4:=
Name of Intervieee:
M)- Sharon Santo)
!osition:
Purcha)in" Officer
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What i) C1M2>
Cooperati!e 1ealth Mana"ement 2e*eration is a nationa"
cooperative federation #ic# addresses t#e needs for #ea"t#$re"ated
services of its fe""o cooperatives% federations and non$government%
non$profit% non$stoc& organi'ations it# cooperative$re"ated programs
and services( It is t#e first d)"y "icensed cooperative #ea"t#
management federation in t#e !#i"ippines% reg)"ated *y t#e
+epartment of ,ea"t# and Cooperative +eve"opment A)t#ority -C+A.(
Vi)ion
To *e t#e *est #ea"t# care cooperative in t#e !#i"ippines(
Mi))ion
!roviding /)a"ity #ea"t# care to cooperatives(
,aving a simp"e and yet attaina*"e vision and mission is t#e aim
of t#e *oard of directors
Pro*uct) or Ser!ice) Offere*
ince it is a ,ea"t# ervice Cooperative type% t#e C, offers
services to its mem*ers(
Capital )hare per member
T#e a)t#ori'ed s#are capita" is !#p( 100%000%000(00
)*scri*ed and paid )p of t#e fo)nding mem*er is !#p(
26%300%000(00
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To *e a mem*er of t#e cooperative% t#ey s#o)"d s)*scri*e
and pay !#p(100%000(00% #ic# is paya*"e in to years(
Member)hip feeor t#e individ)a"s #o ants to *e a mem*er of C,( 4it#
!#p( 5%600(00 ann)a" premi)m or !#p( 10(00 a day% a coop mem*er
can enoy t#e *enefits provided *y C77! ,EA8T,(
Other )ource) of incomeC, is sti"" on its 1st year% and aside from t#e investments
coming from ot#er cooperatives( Anot#er so)rce of income o)"d *e
t#e !#p( 5%600(00 ann)a" premi)m from t#e mem*ers of eac#cooperative(
8ualification) for member) in +our Cooperati!eT#e /)a"ification for t#e primary cooperatives is it#in a period of
six mont#s% a cooperative m)st enro"" a minim)m of 500 mem*ers%
it# at "east 90 initia" enro""ees )pon approva" of its app"ication(
Re?uirement) in bein" a member of +our cooperati!eem*ers#ip is open to a"" type of Cooperatives *y s)*scri*ing to
and paying for 100 s#ares it# a par va")e of !#p 1%000(00 per s#are
or !#p 100%000(00 #ic# is paya*"e it#in to years( And for individ)a" mem*ers to pay !#p 5%600(00 ann)a" premi)m or
!#p 10(00 a day(
6enefit) that member) "et
For the Cooperative members: At the end of the year: A( +ividends( !atronage ref)ndsC( Experience ref)ndsFor the individual members:
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Annual ph+)ical e@amination:
A- C#est ;$<ay6- Comp"ete "ood Co)nt -CC.
C- Urine test0- too" testE- !#ysica" Examination
Outpatient Con)ultationA- ree cons)"tation to o)r accreditted c"inics6- ree "a*oratories examination -no intensive "a*oratory for o)t
patient. e(g(: <I% CT can etc(C- o""o$)p c#ec& )p
0- Necessary medicines )sed inside t#e c"inic
Emer"enc+ treatment
A- !#p 50%000(00 ann)a" coverage6- 2=>? coverage to a"" emergency casesC- Nationide coverage0- A"" medico"ega" cases -reim*)rsement on"y. i(e( @e#ic)"ar
accident% ma)"ing% g)ns#ot etc(
E- irst dose of anti$ra*ies and anti$venom
In patient or confinement A( !#p 50%000(00>sing"e confinement( !#p 60%000(00 maxim)m *enefit "imit>i""ness>year C( Net of !#i",ea"t#+( +octors fee% room accommodation% medicines% "a*oratories
and ot#er diagnostic test deemed necessary(E( Nationide coverage to a"" emergency confinement(
0ental co!era"eA- imp"e toot# extraction6- Temporary pastaC- Ann)a" !rop#y"axis0- Cons)"tation to dentist
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2inancial a))i)tance: 0eath benefit
A- Nat)ra" deat# $ !#p 10%000(00
6- Accidenta" +eat# $ !#p 20%000(00
0ifferent plan) in helpin" to chan"e the li!e) of +our member
Coop ,ea"t# is fixed on t#e *enefits it offers( And it is fixed on t#e
premi)m t#at t#e cooperative set(
,ospita" Income enefit is a ne p"an for t#e *enefit of its
mem*ers( C, is associated it# CI!s ins)rance( 7nce a
mem*er avai"s t#e services offered *y Coop ,ea"t# it is in pac&ageit# "ife ins)rance : "ife and accident ins)rance(
0e!elopment pro"ram) "i!en b+ cooperati!e As C, is sti"" on its 2nd term% t#ere sti"" no programs t#at are
deve"oped )n"i&e CI! #o #ave *een existing for /)ite some time(
Other committee) create*
T#ere are no committees yet t#at are created% since C+A does not
set a re/)ired committee for Coop ,ea"t#( Un"i&e credit cooperatives
t#ey #ave credit committee(
Con)traint) or har*)hip e@perience* in re"i)terin" cooperati!e
in C0AT#ere o)"d *e one constraint t#at Coop ,ea"t# experienced(
C+A posted a notice to a"" cooperatives t#at t#ere o)"d *e a c)t offfor t#e registration on eptem*er 3% 201=( ince Coop ,ea"t# as
organi'ed on B)"y =% 201=( T#e constraint experienced *y C, is
t#e s#ort time frame for it to pass a"" t#e necessary re/)irements *)t
sti"" overcome it and pass t#e necessary re/)irements on time(
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Cooperati!e "ain) a bi" help to communit+ or compan+
Coop ,ea"t# is t#e first #ea"t# type of ,7 t#at #ave afforda*"e
#ea"t# care to its mem*ers($Coop #ea"t# provide c#eaper premi)m to its coop mem*ers(
$Coop ,ea"t# a"so s)pport edica" ission ro)ps and ot#er #ea"t#
Instit)tion
Mer"in" or con)oli*ation ith other cooperati!eCoop ,ea"t# is a"igned to t#e movement of Done cooperative
#ea"t#( Coop ,ea"t# #as *een comm)nicating to t#e ,ea"t# CareCooperative "ocated in 8)cena% F)e'on for merging to #ave on"y one
#ea"t# care cooperative nationide(
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Su"ar
Re"ulator+ Emplo+ee Cre*it Cooperati!e
Address:
Philippine Su"ar Center 6uil*in"7 North A!enue 0iliman
8ue9on Cit+
Type of Cooperative:
Cre*it Cooperati!e
Years of Existence:
': +ear) B Au"u)t %$ :3=
Name of Intervieee:
Mr)- Ma- Di9a 0- Guiritan
!osition:
Accountant7 6oo55eeper an* Me))en"er
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What i) SRECCO>
Su"ar Re"ulator+ Emplo+ee Crrre*it Cooperati!e #SRECCO( is
a credit cooperative made for <A Emp"oyees on"y(
Vi)ion
A via*"e and s)ita*"e credit cooperative in t#e p)rs)it of )p"ifting t#e
e"fare of its mem*ers t#ro)g# financia" services(
Mi))ion
To *e t#e cooperative "eader in promoting t#e socio$economic e""$
*eing and e"fare of a"" mem*ers(
Pro*uct) an*F or )er!ice) that cooperati!e offer)8ending% extending "oans to o)r mem*ers
!etty Cas# "oans C#aracter 8oans
a"ary 8oans
<eg)"ar 8oans
7ne Type 8oan
)"ti$!)rpose 8oan
Economic <e"ief 8oan
Capital )hare per member
T#e minim)m re/)ired capita" s#are per mem*er is !#p =0%000 and
it# a capita" *)i"d )p of !#p 5000 to *e add in capita"(
Member)hip fee>T#e mem*ers#ip fee is !#p 200 m)st *e paid )pon t#e approva"
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of app"ication orm of mem*ers#ip and an Initia" deposit )pon
enro""ment of !#p2900(T#e initia" deposit is paya*"e t#ro)g# ")mp s)m or t#ro)g# sa"ary
red)ction( To gain cooperatives *enefit(
Other )ource) of incomeU<ECC7 is an instit)tiona" cooperative aside from t#e
co""ection% t#ere is no ot#er so)rces(
8ualification for member) in SRECCOQualification of Membership: <eg)"ar emp"oyee of )gar <eg)"atory Administration
!aid t#e mem*ers#ip fee and t#e initia" deposit Attend t#e !re$mem*ers#ip seminar sc#ed)"ed *y t#e
cooperative(
6enefit) that member "et)$ T#e mem*er can avai" "oans% advances% s#ort term "oans
against t#e *enefits and #ave t#e privi"eges to vote(
0ifferent plan) that ha!e ma*e in helpin" to chan"e the li!e) of
member$ !roviding 8oans #e"ps t#e mem*er to finance t#eir needs( To #e"p
t#e mem*er more e are p"anning to *e a m)"tip)rpose cooperative
to provide more services t#at can *e avai" *y t#e mem*ers of
cooperative(
0e!elopment pro"ram "i!en b+ SRECCO
$ 4e are p"anning to #ave tic&eting services t#at i"" #e"p t#e
mem*ers to avai" tic&ets for t#eir trave"s(
Other committee) create*$ T#ere is no ot#er committee aside from t#e C+A
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Con)traint) or har*)hip *urin" re"i)terin" SRECCO in C0A$ +)ring t#e imp"ementation of t#e C+A G920(Updates regarding
dead"ine% registration and ot#er C+A )pdates *ecomes U<ECC7s
#ards#ip(
Cooperati!e "ain a bi" help to communit+ or compan+$ U<ECC7 #as a great ro"e in deve"opment of t#e instit)tion% t#e
instit)tion cooperates e"" so imp"ementation and co""ection doesnt
ta&e a "ot of time(
Mer"in" or Con)oli*ation ith other cooperati!e
$ No% It is sti"" exc")sive to t#e )gar <eg)"atory A)t#ority reg)"aremp"oyee on"y(
Cooperati!e In)urance
S+)tem of the Philippine)
Address:
34 Mala5a) St- 6r"+- Pin+ahan7 Central 0i)trict 0iliman7 8ue9on
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Cit+
Type of Cooperative:
Secon*ar+ Cooperati!e
Years of Existence:
$% +ear)
Name of Intervieee:
M)- ,enette Al*e
!osition:
E@ecuti!e A))i)tant
What i) CISP>
T#e Cooperative Ins)rance ystem of t#e !#i"ippines as fo)nded on
Ban)ary 29% 1G?=( It as organi'ed to promote and engage in t#e service of "ife
ins)rance as a cooperative( It as iss)ed a Certificate of A)t#ority *y t#e
Ins)rance Commission on eptem*er 50% 1G?=( It as registered on Apri" 9%
1G?9 it# t#e +epartment of 8oca" overnment and Comm)nity +eve"opment
)nder !(+( 1?9( It is operating nationide it# 3 area offices% ins)ring most"y t#e)nderprivi"eged and farmers of t#e co)ntry( It is *eing reg)"ated *y to
overnment AgenciesH t#e Ins)rance Commission -IC. and t#e Cooperative
+eve"opment A)t#ority-C+A.( To date% CI! #as more t#an 2%000 cooperative
mem*ers and ins)ring over ?00%000 individ)a"s ann)a""y(
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Vi)ion
A g"o*a""y &non Cooperative Ins)rance it# a ocia" Conscience(
Mi))ion
To *)i"d a society #ere cooperatives% "a*or )nions and coop$oriented
gro)ps and t#eir mem*ers are f)""y protected economica""y and socia""y t#ro)g# a
s)staina*"e and via*"e cooperative ins)rance system(
Vi)ion
A g"o*a""y &non Cooperative Ins)rance it# a ocia" Conscience(
Core !alue) of CISP
Commitment to o)r organi'ation and t#e cooperative movement(
Inte"rit+ in t#e cond)ct of its *)siness at a"" times(
Su)tainabilit+ of t#e organi'ation and t#e comm)nities e serve is of
paramo)nt importance(
Profe))ionali)m is o)r ay of dea"ing it# o)r sta&e#o"ders(
Pro*uct) an*F or )er!ice) cooperati!e offer)
8oan payment protection ins)rance p"an
Accident Ins)rance !"an
ro)p Year"y <enea*"e Term Ins)rance !"an
I$8I -Individ)a" asic 8ife Ins)rance ystem.
t)dent Ins)rance !"an
Capital )hare per member
or t#e cooperative mem*er t#e *asis for capita" s#are per mem*er is *ased
on par va")e per s#are of stoc&s( CI! is a cooperative ins)rance% reg)"ated not
)st t#e Cooperative +eve"opment A)t#ority -C+A. *)t a"so t#e Ins)rance
Commission -IC.(inim)m re/)ired capita" s#are per mem*er is 10%000 s#ares of stoc&s it#
a par va")e of !#p 100%000(00(
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In cosideration of t#e foregoing premises( T#e CI! raise t#e amo)nt of t#e
minim)m s)*scription paid for eac# CI! mem*er$s#are#o"der from !#p(
10%000(00 to !#p( 100%000(00 or 100 s#ares(
Member)hip feeor t#e secondary type of cooperatives "i&e CI!% t#ere is no re/)ired
mem*ers#ip fee(
Other )ource) of income>CI!s ot#er so)rces of income is t#e investments aside from t#e premi)ms
avai" in t#e cooperative since CI! is a corporate cooperative since t#e "atter
offers ins)rance to companies and ot#er cooperatives(
8ualification) for member) in CISPT#ere are to c"assification of mem*ers in cooperatives:
Accor*in" to Re"ularIs *ased on t#e par va")e per s#are or t#e common stoc&(CI!s mem*er is re/)ired to *e cooperatives% federations% and ot#er
organi'ation t#at #ave cooperative orientation(Accor*in" to A))ociate:
Associates are t#e individ)a" avai"ing t#e prod)cts offered *y CI!( Is *ased
on t#e preferred stoc&s of t#e associates(
6enefit) that member "et)1( It s#o)"d *e a "egitimate cooperative( 4it# t#e doc)ments s)c#H
a.oard <eso")tion*.Certificate of <egistration from t#e C+A(
2( +ividends5( !atronage ref)nds=( Experience ref)nds9( Investment interests
0ifferent plan) that ha!e ma*e in helpin" to chan"e the li!e) of member CI! is tying )p it# ot#er cooperative affi"iates to cond)ct Dfinancia"
8iteracy( inancia" 8iteracy aims to ed)cate peop"e on #o to manage t#eir
financia" *e"ongings( Cond)ct a extensive campaign on t#e importance of ins)rance(
Cond)cting corporate socia" responsi*i"ity for t#e comm)nity to give *ac& and
#e"p t#em( CI! is a"so s)pporting sc#o"ars in aritas( aritas is a"so a cooperative
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mem*er of CI!(
0e!elopment pro"ram "i!en b+ CISP or t#e emp"oyees:
Cond)cting trainings and seminars to en#ance t#e s&i""s and capa*i"ities
of emp"oyees *ot# "oca" and internationa"( !rograms t#at en#ance t#e comm)nications and oneness of t#e
emp"oyeesH s)c# as sportsfest% tree p"anting% movie nig#t o)t party( Emp"oyees #ave #ea"t# card for t#e emp"oyees
or t#e mem*ers:
em*ers for)m(
Other committee) create*T#ere are no ot#er committees created aside from t#e committees given *y Coop
Code( A( A)dit Committee( !ersonne" committeeC( Exec)tive committee+( E"ection committeeE( Ed)cation and mem*ers#ip committee( ediation and conci"iation committee( Et#ics committee
CI! is p"anning to create a committee% say t#is coming first /)arter a*o)t t#e
ris& management(
Con)traint) or har*)hip *urin" re"i)terin" CISP in C0AT#e fo)nding mem*ers of t#e CI! #as *een "ong gone for t#e c)rrent
emp"oyees to &no #at #as *een t#e pro*"em in t#e past regarding t#e
constraint in registering t#e cooperative in C+A(Cooperatives are *eing reneed every 90 years #ic# is its expiration( t#e
cooperative s#o)"d #ave a good standing in t#e C+A for t#e cooperative to
process it fast( It s#o)"d *e capa*"e of financing its mem*ers needs(
Cooperati!e "ain a bi" help to communit+ or compan+
Every cooperative #as *een s)*ect to financia" economic crisis and CI! is
a"so one of t#at from 2012$201=( ,oever% ICC7 tr)sted and invested in CI!
and #e"p it gain its fo)ndation *ac&( T#ere are ot#er companies and cooperatives
#ave *een t#ere to patroni'e t#e CI! prod)cts(Bo* opport)nities #ave *een esta*"is#ed *y CI!(
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Mer"in" or Con)oli*ation ith other cooperati!e
Aside ICC7 A #ic# is t#e first cooperative to *e merged it# CI!(
T#ere is t#e C"im*s 8ife Ins)rance Cooperative( T#ey are to existing
cooperative ins)rance society in t#e !#i"ippines t#e c"im*s and t#e CI! ( T#e
C"im* "ife cooperative( 4#ic# offer "ife and non$"ife ins)rance )n"i&e CI! t#at
offers "ife ins)rances( T#e to cooperative ins)rance is sti"" ongoing
comm)nication for t#e merging to *e esta*"is#(
ince% starting 2019 ATA or t#e AEAN ree Trade Agreement entered t#e
co)ntry% o)r AEAN co)nterpart is a""oed to p)t )p ins)rance companies in t#e
!#i"ippines in competition( T#ese to cooperatives aims to *e a *ig cooperatives
in t#e !#i"ippines to compete it# t#e )pcoming cooperative ins)rances and
corporate t#at t#e ATA i"" *ring(
Salar+ pa+ment) for the emplo+ee) come from
CI! get its expenses t#ro)g# t#e premi)ms offered% aside from t#at t#ere
are ot#er investments t#at t#e CI! )se for its ot#er expenses(
Mean) for member) pa+ment)
It depends on t#e #o m)c# t#e mem*er is investing( ince t#ere are somecompanies t#at pays in mi""ions of pesos(
1ar*)hip encountere* b+ CISP in the pre)ent
T#e most recent o)"d *e t#e financia" crisis faced *y CI!(
Emp"oyee pro*"em are minima" pro*"ems #ic# can *e addresse
PICTURES:
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