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.
Page 2 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…)
Page 3
Editorial
The BBCCC COOPSERVER April to June 2012
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]
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
Page 4 The BBCCC COOPSERVER April to June 2012
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.
Page 5 The BBCCC COOPSERVER April to June 2012
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
Page 6 The BBCCC COOPSERVER April to June 2012
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)
Page 7 The BBCCC COOPSERVER April to June 2012
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…)
Page 8 The BBCCC COOPSERVER April to June 2012
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…)
Page 9The BBCCC COOPSERVER April to June 2012
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/
Page 10
Cooperativism vs Individualism
By: Milo Severino N. Distor, Member, Secretariat
The BBCCC COOPSERVER April to June 2012
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
Page 11
The BBCCC COOPSERVER April to June 2012
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.
Page 12
The BBCCC COOPSERVER April to June 2012
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…)