InternatIonal Development revIew • 2012-2013 the face of development

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CO-OPERAtIVE ENtERPRISES are hard wired for growth. It begins with grouping producers, their products and their knowledge to achieve economies of scale. Pooling lowers costs, attracts higher prices and secures sales. Members improve the quality and quantity of the goods they produce, adding value to achieve a competitive edge they lack as individual producers.

Co-operatives use group power to brand their goods, reaching beyond local markets and selling when demand is high. As co-operatives grow in size and assets, they join with other co-operatives, creating shared enterprises to refine, market and transport their products.

Credit unions provide affordable financial services, including credit to finance small businesses and pay expenses, savings to build a nest egg, and insurance to reduce vulnerability.

Success breeds success as members experience the co-operative advantage in action. Household incomes improve as do savings, health and education. Apex co-operatives bring members together for training and education, and to influence government policy and regulation so that co-operatives can continue to thrive.

Co-operatives benefit the communities they serve creating jobs, responding to needs and sharing knowledge and wealth to create new opportunities for community growth and well being.

COVER PHOTO: Ali and Angawire Mwachande are from the community of Likuni in Malawi. Angawire is a member of the Khama Mpampha Pamtondo of Ulimi Savings and Credit Co-operative. Pamtondo groups bring women together for financial literacy training, and then for group loans for small business ventures. Angawire has started a small pig-rearing enterprise.

Good thinGs happen when co-operatives GRoW

CCA is building lasting,

locally owned and managed

enterprises which attend to the

social as well as the economic

needs of their members.

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•CCAprogramsreachedouttoover2.8millionhouseholdsin18developingcountriesthisyear.

•CCAmanagedover$9millioninfundingfromawiderangeofsupporterstoestablishandstrengthenco-operativesandcreditunionswith31co-operativepartnerorganizationsinAfrica,AsiaandtheAmericas.

•CDFfundsleveragedmorethan$6millionfromothersourcesthisyear,animpressive70%ofinternationaldevelopmentprogramrevenue.

CCA’s2013calendar,featuringphotostakenbyinternationalprogramvolunteers,

wasahitacrossCanada.

CCA IS AlSO gROwINg. We’re entering new countries (Myanmar, St. Vincent and the Grenadines and Ethiopia) and working with new partners (Myanmar Central Co-operative Society, Self Help Africa, Ethio-Wetlands Natural Resources Association, and St. Vincent and Grenadines Co-operative League Limited).

And as we grow, we learn more about managing co-operative growth to better serve the needs of members. A new research project with the International Development Research Centre and the Centre for Co-operative Studies at the University of Saskatchewan will help us better understand how integrating financial and agricultural co-operatives benefits families working their way out of poverty.

Big is beautiful when co-operatives grow and stay responsive to members and their communities.

“Co-operative enterprises enable groups of people to do what individuals alone cannot

achieve.That’s the power of co-operation.”– Jo-Anne Ferguson, Senior Director, International Development, CCA.

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CCA IS hElPINg farmer co-operatives meet market demands by adding value to their products, building mills and storage depots, and connecting farmers to finance and marketing facilities.

To achieve lasting growth and development, co-operatives must protect and enhance the natural environments in which they operate. CCA and its partners are taking a long-term view of environmental stewardship, one which builds environmental sustainability for future generations.

Our projects are helping co-operatives reduce greenhouse gas emissions through fuel-efficient stoves, using more efficient fuels, replanting trees for fuel and food, and using conservation agriculture techniques to resist

drought and floods and conserve water and soil. This improves the economic return for both agricultural and small co-operative enterprises, helping them repay loans, save more in their local credit unions, and improve the living standards of individual members.

Members of Atahualpa Co-operative in the Peruvian Andes are improving waste management practices to enhance the appeal of their hot-springs tourist attraction and to protect the health and nutrition of future generations. Visitor numbers ballooned from 10,000 in 2011 to nearly 40,000 in 2012, generating a five-fold growth in co-op revenue.

Colombianfarmersareusingco-operativestopoolandimprovetheirberry,cacaoandvegetablecrops,andtoreachnewbuyersbeyondtheirlocalmarkets.CCAanditspartnerGESTANDOarestrengthening

thirteenco-opsandplantoexpandthereachofthissuccessfulworktootherregionsofthecountry.

Growth and environmental sustainability go hAnd-in-hAnd

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CCAconcludeditsWorldBankprojectinAceh,Indonesiathisyearasthemarketing

co-opitestablished,KOPEMAS,continuestopool,processandmarketitsmemberco-operatives’rice,

fishandsnackchips.

•AlongtimedeveloperofcreditunionsinUkraine,CCAisreturningwithanew5-yearprojecttohelpfarmerco-operativesstoreandmarkettheirgrain.

•CCAandSEND-GhanaarehelpingfarmersintheEasternCorridoroftheNorthernRegionofGhanaimprovetheirlivelihoodsthroughco-operatives.Twenty-fournewfamily-basedfarmerco-operativesandthreezonalmarketingco-operativeswereregisteredthisyear.

•Co-opfarmersinnorthernUgandaaremakingremarkableprogresssincelinkingupwithareacreditunionsandmarketingco-operativesaidedbyCCAandtheUgandaCo-operativeAlliance.Farmersaresavingatleast15percentoninputsandhavegrowntheirrevenueby30percent.

IN RwANdA, CCA has begun a new project to help fifteen producer co-operatives improve production, processing, storage and marketing. Yields will increase, the livelihoods of 22,000 farm families will improve, and consumers will have access to better and more abundant food supplies. Our partners are the Centre de Services aux Coopératives de Gitarama and the Centre for Co-op Research and Training.

IN EthIOPIA, CCA, Self Help Africa, and Ethio-Wetlands Natural Resources Association are working with 12,000 co-op farmers in the Amhara region to help preserve that country’s breadbasket. Farmers are adapting to current and predicted climate changes by adopting drought resistant seed, people powered irrigation pumps and minimum tillage techniques. Farmers are accessing needed credit and improving storage and marketing of the

vegetables, groundnuts, linseed and garlic that they grow.

Growth and environmental sustainability go hAnd-in-hAnd

Garlicandlinseed

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tRuSt ANd CONfIdENCE form the foundation of every successful financial co-operative. Canadians know that any single credit union failure affects the credibility of the entire movement. Co-operative values married with thoughtful regulation and supervision provide quality assurance to savers and borrowers alike. Sharing best practices within and among credit union movements enables growth in new areas and shortens learning curves.

This year CCA and its partners continued to foster enabling co-operative legislation and regulation.

CCA again brought together credit union regulators from across Africa to discuss ways and means of strengthening credit unions through legislation and regulation. The annual Regulators Roundtable, now self-funded, is managed by the Africa Confederation of Co-operative Savings & Credit Associations.

In Barbados, a team of four Canadian financial experts fielded by CCA are developing strategic and operational plans with the Financial Services Commission (FSC), the island’s new regulator of all non-bank financial institutions. CCA recently won a contract to help the St. Vincent & Grenadines Co-operative League to prepare business plans in light of new regulatory requirements for credit unions.

When the Sierra Leone Department of Co-operatives doubled its staff complement CCA organized ground-breaking training on the new (to Sierra Leone) model of credit union development. New field officers and their supervisors learned how credit unions, as inclusive financial institutions, can ensure access to affordable, productive financial services for the poor in Sierra Leone.

BUsinEss sUCCEss is built on a soLid FoUndAtion

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•Microinsuranceisthefastestgrowingsectorofco-operativedevelopmentinSoutheastAsia,owinginlargeparttoCCA’smicroinsuranceprograminthePhilippineswherefourteenmicroinsurancemutualbenefitassociationsinsuresomeeightmillionFilipinolives.

•CCAconcludeditsworkinNepalthisyear.Over34,000womennowhavecombinedsavingsofover$24.8million.That'sanaverageof$713perwoman.Theyusethesesavingstoimprovethelivesoftheirfamilies,startnewbusinessesandeducatetheirchildren.

CCA’scollaborationwiththeIrishLeagueofCreditUnionstoreviveSierraLeone’screditunionmovementsawthe

numberofcreditunionsgrowfromfivetoeleventhisyear.MembersoftheBayconfieldsSavingsandCreditUnion(left)

areproudoftheirfinancialinstitution.

CCA wAS SINglEd Out for praise this year by Malawi’s Registrar of Financial Institutions for providing strong technical support to the statutory manager of the Malawi Union of Savings and Credit Societies, who is working to regain sound financial health for the country’s largest single credit union, FINCOOP.

CCA and the Credit Union Association of Ghana are ensuring that credit unions in

Ghana are financially sound, competitive and providing safe, affordable financial services that will help move members out of poverty. Activities include: forming new youth savings clubs, improving women’s business practices, preparing more credit unions to qualify for deposit guarantee, and enrolling women credit union managers in CCA’s Women’s Mentorship Program.

CentreforMicro-FinanceDeputyCEONareshNepal(farleft)andNepalFederationofSavingsandCreditCo-operative

UnionsLtd.ProgramOfficerShivajeeSapkota(backrowright).posewithdirectorsoftheBarahiMahilaMulti-PurposeCo-op,

awomen’ssavingsandcreditco-opinNepal.

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CO-OPERAtIVE ENtERPRISES ARE juSt thAt…businesses owned and managed by members with a purpose. CCA and its partners employ co-operatives to generate opportunities and prosperity for families to move out of poverty. As well as bringing social and economic benefits to their member owners, co-operatives spawn new businesses, from micro home-based enterprises to firms with small, medium and large revenue, assets and payrolls. Whatever their size or product, co-operatives foster businesses to employ people and generate wealth,

job skills and experience to open doors to future prosperity, economic growth for communities in need, and opportunities and hope for women and youth.

CCA and the International Co-operative Alliance (ICA) are strengthening the voice of Africa’s co-operatives through annual conferences of national apexes, co-operative organizations, and associate members of ICA–Africa. Together they represent individual small farmers, savers, consumers and micro-entrepreneur members of over 7,000 primary and secondary co-operative organizations.

Co-ops create BUsinEssEs, JoBs and oPPoRtUnitY

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•NORANDINOCo-operativeinPeruismakinggenderequityvisiblewithacadreofmaleextensionworkerswhomodelgenderequitablebehaviourintheirownfamiliesandinthecommunitieswheretheywork.

•CCA’spartnershipwiththeCanadianRedCrossandtheSANASADevelopmentBankcontinuedtotrainpeopleintsunamiandconflictaffectedregions.Theprojecthastrainedover78,000peopleinlivelihoodsandleadership,issued14,740microfinanceloans,andinsuredover35,000people.

NorandinoexportmanagerSantiagoPazLopezandLaSiembraCEOJenniferWilliamswitha

bagoforganicfairtradeCaminobrownsugar.

thE mARk Of REAl and lasting success is the inclusion, voice and confidence co-operatives give to women, youth and those less heard in society. Credit unions in Uganda are working with schools in two districts to start savings clubs to teach the habit of savings and financial literacy to students. Africa has the fastest-growing and most youthful population in the world. According to the International Labour Office three-in-five of Africa's unemployed are youth.

Graduates of youth leadership programs across Canada travelled to Ghana for training and a forum with Ghanaian youth this year. You-LEAD is an innovative way to encourage young people to create their own jobs through new co-operatives.

Ottawa-based La Siembra Co-operative sells Norandino Co-operative’s organic fair trade brown sugar (panela) in Canada under the brand name Camino. CCA is helping Norandino meets its quality and volume commitments to customers like La Siembra through technical assistance and infrastructure investments.

DollmakerAnushaSamarawickramaisgrowingherbusinesswithtraining

fromtheSANASAtrainingcentreinTrincomalee,SriLanka.

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In Canada… Credit unions across the country opened their doors to 14 women credit union managers from Asia and Africa, sharing their credit union operations and policies for ten days of hands-on learning during CCA’s 2012 Women’s Mentorship Program.

A landmark survey of graduates shows the program boosts self-confidence, improves management skills, creates innovations, grows

membership, and improves liquidity, profitability and reputation. Loan delinquency has dropped, new branches have opened and operations have become more professional and expanded. More women have access to credit. Standards of living have improved. More children are in school and new community programs are now in place.

Canadian credit unions have mentored 165 women managers from 18 developing countries over the program’s ten years in service.

Canadians are REAChinG oUt to End PoVERtY

“Our membership grew by 200

in just three months after

using techniques I acquired in

Canada."– Susan Lamunu, Manager, Ongako

SACCO, Uganda (pictured above)

CCA mobilizes highly skilled employees and members from Canada’s co-operatives and credit unions to share their knowledge as volunteers with CCA partners in developing countries. The training, coaching, mentoring, research and analysis they provide builds business capacity, improves skills, enables growth and helps members better govern their co-operative enterprises. Partners move forward, strengthening their businesses, creating stronger networks and apex organizations, and working with governments to create co-operative friendly legislation.

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•CCAsentadepositguaranteeprofessionaltoGhanathisyeartoadvisetheGhanaCo-operativeCreditUnionAssociationonitsdepositguaranteeprogram.

•Fourteenuniversitygraduatestookup6-12month-longassignmentsinGhana,Uganda,Rwanda,Malawi,Philippines,CambodiaandPeruaspartofCCA'sInternationalYouthInternshipProgram(IYIP).

CCAinternsposedforagroupshotinOttawabeforegoingoverseas.

CCA hosted a delegation of co-operative micro-insurance leaders from the Philippines, including that nation's insurance commissioner. After meeting with Canadian mutual and co-operative insurance companies the commissioner and the RIMANSI network of mutual benefits associations committed to establishing an additional layer of solvency protection to further ensure that members' claims will be settled.

CCA also welcomed delegations of credit union and co-operative leaders from Vietnam, South Africa and Ukraine.

Overseas...CCA recruited over 60 volunteers from Canadian co-ops and credit unions for international

missions this year. They included 23 volunteer coaches who worked with credit unions in Mongolia, Ghana and Uganda. They tested a number of field tools CCA has designed to address common challenges credit unions share, such as loans management, governance and capitalization.

Sixteen individuals took on technical assignments in seven countries, including longer-term missions

lasting between three and ten months. They included an assignment to develop a strategic plan for a micro-enterprise development unit in Sri Lanka and, in the Philippines, helping the National Confederation of Co-operatives (NATCCO) develop a stabilization fund.

Seasoned co-operative experts helped co-operatives in northern Uganda measure their enterprises against international standards using CCA’s Development Ladder Assessment Tool, providing a snapshot of how the co-ops are doing and a set of benchmark scores for measuring progress moving forward.

When FINCOOP, the largest credit union in Malawi was placed under supervision by the Registrar of Co-operatives, CCA’s long time partner, the Malawi Union of Savings and Credit Co-operatives, was assigned to manage the troubled institution. Three CCA volunteers on separate assignments have helped to develop restructuring and loan recovery plans for FINCOOP, as well as risk management tools for the credit union system.

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thE gROwth and reach of CCA’s International development program was made possible by the participation of our valued financial partners: the Co-operative Development Foundation of Canada (CDF), the Canadian International Development Agency (CIDA), the Canadian Red Cross (CRC), the World Bank, the Commonwealth Secretariat, and the Government of Barbados. Our partnership with the Irish League of Credit Unions brings additional resources to our work in Sierra Leone.

“The road out of poverty is built by ordinary people using their co-operative enterprises to make life better. Canada’s co-operators are a big part of their success.”

– Jill Kelly, President, CCA

Agencecanadienne dedéveloppementinternational

CanadianInternationalDevelopment Agency

Micro, Small and Medium

Enterprise$1,386,709

(15%)

Agricultural Enterprise$3,923,363(41%)

Finance $4,125,764(44%)

Disbursements by Sectors: 2012-2013 TOTAL: $9,435,836

Revenues by Source: 2012-2013 TOTAL: $9,435,836

CIDA$6,183,27065.5%

ILCUF$39,777.5%

CanadianRedCross$766,396

8%

Consultancy$467,072

5%

WorldBank$1,260,345

13%

Co-operativeDevelopmentFoundationofCanada

$718,976 8%

GRoWth by the nUMBERs

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WhERE in the WoRLd

•138Canadianvolunteersdonated2,255daysworthover$1.4milliontoCCA’sinternationalprogramthisyear

•CCA’sworkinAfricahasgrownsubstantially,fromworkingwith5partnerson5projectsin4countriesin2011to14partnersand13projectsin8countriesin2013.

thank you Women’s mentorship program host credit unionsCanada’s credit unions open their doors and share their knowledge with visiting women managers from credit unions around the globe during CCA’s annual Women’s Mentorship Program. We thank the following credit unions for their thoughtful mentorship in 2012:

•Vancity, Vancouver, BC

•First West Credit Union, Langley, BC

•Prospera Credit Union, Kelowna, BC

• Interior Savings Credit Union, Kelowna, BC

•Servus Credit Union, Slave Lake, AB

•Lakeland Credit Union, Bonnyville, AB

•Affinity Credit Union, Saskatoon, SK

•TCU Financial, Saskatoon, SK

•Conexus Credit Union, Regina, SK

•Rosenort Credit Union, Rosenort, MB

•Alterna Savings, Ottawa, ON

•First Ontario Credit Union, Hamilton, ON

•East Coast Credit Union, Dartmouth, NS

• Leading Edge Credit Union, Port aux Basques, NL

CCA and 31 partner organizations in 18 developing countries established and strengthened credit unions and co-operatives in Asia, Africa and the Americas this year.

Here’s where CCA worked:

•Barbados

•St.VincentandtheGrenadines

•Cambodia

•Colombia

•Ethiopia

•Ghana

•Indonesia

•Malawi

•Mongolia

•Nepal

•Peru

•Philippines

•Rwanda

•SierraLeone

•SriLanka

•Tanzania

•Uganda

•Vietnam

ColombianberryfarmerSusanaFinosaysbusinesshasimprovedsinceshe

andotherfarmersformedtheCoagroboyacaCo-operative.

FarmersinRwandaareusingtheirco-operativestoimproveproduction,storageandmarketingoftheircrops.

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Building a Better WorldThe first complete year of the Co-operative Development Foundation of Canada's (CDF) Build a Better World Campaign was all about growth. From the moment the campaign was launched, the focus was on growing CDF revenue in order to address poverty and inequity around the world. The need is great and we have the co-operative tools to make a difference in the lives of people all over the developing world.

One year into the campaign we can pause briefly to celebrate success. With more than $4 million pledged or donated we are one third of the way to our $12 million goal. With $8 million left to raise we cannot afford to pause for long. There is a lot of work to do, but already we can see the impact of the campaign on the work in the field. More than two thirds of the total CCA development budget last year was directly leveraged with CDF funds. CDF is delivering an opportunity for growth, and CCA is effectively using that opportunity to create new and better programs designed to Build a Better World.

“The Build a Better World Campaign illustrated the strength of our co-operative sector and the importance of the international role that CDF plays. Real commitments, real vision and

real determination have insured that 2012 is not a date on a calendar, but a calendar of change.”– Michael Barrett, President, CDF

the Co-operative development Foundation of Canada

CDFPresident,MichaelBarrett(right)wasgladtohelp

DougWrightofTheCo-operatorsraisefundsforCDFthrougha

dramatichaircut.Bydonatinghishair,Mr.Wrightraised$12,500

forthecampaign.

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The Co-operative Development Foundation of Canada is a registered charity which raises money to alleviate poverty. Its contributions help CCA to undertake co-operative development projects around the world.

In designing the Build a Better World Campaign, CDF’s board of directors identified three clear objectives for CDF’s fundraising work.

LEVERAGE our strengths: CDF helps to leverage the financial and human power of the Canadian co-operative movement for the benefit of people living in poverty around the world. In turn, the generous contributions of Canadians allow CCA to access much larger pools of funding from organizations such as the Canadian International Development Agency. The projects that CCA is able to deliver, as a result of CDF support, are built on the success of previous investments and the experience of local partners, leveraging the strength, resiliance, and initiative of the very people who will benefit.

Take the LEAD: CDF’s support allows CCA to help people in places where other funding is not available. For example, CDF money is allowing CCA to support the deserving people of Sierra Leone in their efforts to re-build their credit union movement, in spite of the fact that the large development funders are not prepared to support this work. CDF money allows CCA to follow its collective conscience to work where the need is great and where we know we can make a difference.

Leave a LEGACY: CDF launched its campaign during the UN International Year of Co-operatives. The energy generated during that year was designed in part to leave a co-operative legacy that will continue to grow in the decade ahead. CDF’s work, from the beginning, has been about building a legacy of lasting prosperity among people who have suffered because of poverty and inequality.

First Year Campaign results

•Morethan$4millionhasbeencontributedorpledged.

•400individualshavecontributedforthefirsttime,bringingthetotalto1,300individuals.Togethertheyhavecontributedapproximately$200,000.

•60neworganizationaldonorshavecomeonboard–co-operatives,creditunionsandassociations.

A Global Force for Global Good

BannerfromtheBuild a Better World Campaign

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Co-operative or Credit Union DonationsCo-operatives and credit unions have a long and proud history of support for worthy causes. For many, CDF has been one of those causes – but there are still many co-operatives and credit unions that have not joined the campaign. The Build a Better World Campaign is a wonderful opportunity to add our own co-operative development charity to the worthy causes your credit union or co-operative supports.

Director GivingThere are more than 160,000 elected co-op and credit union directors in Canada. We invite you and your board of directors to pass a resolution to forward at least one meeting per diem/

honorarium to CDF. Better yet, directors can choose to become one time, or monthly donors in support of this important cause.

Employee GivingWorking together toward a worthwhile objective is a great way to build teamwork and morale. CDF works with many co-operatives across the country on employee giving programs. We provide all of the material and can work directly with your Human Resources department to implement. If you have a workplace campaign through the United Way you can designate your gift to CDF by simply quoting our charitable registration number (11887 5517 RR 0001) on your form.

Join the CAMPAiGn

It will take the combined effort and support of many people across Canada to reach our goal of $12 million. Here are just a few ways you can support the Build a Better World Campaign and CDF’s work:

TheteamatPiercelandCreditUnioninSaskatchewanareenjoyingthecomfortof

casualdaysbywearingtheir“I MYCU”t-shirts,aCDFfundraisinginitiativedrivenby

theNationalYoungLeadersCommitteeoftheCreditUnionCentralofCanada.

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Honorary or Memorial GiftsCelebrate the life of someone who was dear to you by giving a gift in their memory.

Personal DonationsThe Build a Better World Campaign has brought hundreds of new individual donors into the CDF family. Your personal gift to CDF, either as a one-time donation or through monthly giving, allows you to build a better world.

Host a Fundraising EventAs an individual or with your family, friends or colleagues, host a fundraising event. Let us know if you have a creative fundraising idea or if you wish to discuss a fundraising event.

Leave a Planned GiftLeaving a gift to CDF in your will is a unique way to make a lasting and substantial contribution.

A planned gift can help you realize tax benefits in your current financial planning and lower taxes for estate beneficiaries. For more information on Planned Giving, or to let CDF know you have named us in your will, please contact Julie Beckett at 613-238-6711 ext 242.

CCAstaffersclimbpastaglacierlastsummerastheycloseinonthepeakofMountKilimanjaroand$17,000inpledges

totheBuild a Better World Campaign.

•8organizationshavepledgedordonatedbetween$100,000and$500,000.

•13organizationshavepledgedordonatedbetween$10,000and$100,000.

•Manypeoplehavealsofoundcreativewaystoraisemoney.Morethan$17,000wasraisedbythreeCCAstaffwhoclimbedKilimanjaro.DougWrightofTheCo-operatorsraisedover$12,000fromapublichaircut.

CDF’ssecondJourney Out of PovertystudytourtoPeruin2012sawfiveco-opandcreditunionleadersvisitNorandino/Cepicafe,

aco-operativeofsmallscalesugarproducers.ThegroupincludedMyrnaBentley,formerCEOofConcentraFinancial,

JohnHarvie,retiredCEOofCo-opAtlantic,LeoLeBlanc,CorporateSecretaryandVice-PresidentofHumanResourcesand

CorporateAffairsofCo-opAtlantic,AlexandraWilson,ExecutiveDirectoroftheAgencyforCo-operativeHousing,and

AlMorin,PresidentandCEOofAssiniboineCreditUnion.

call (866) 266-7677, ext. 605e-mail us at cdf@coopscanada.coop or visit us on-line at:

www.cdfcanada.coop

Cheques payable to the ‘Co-operative Development Foundation of Canada’ can be sent to: 400 – 275 Bank street, Ottawa, On, K2p 2l6

all donations over $10 will be issued a tax receipt. Charitable registration number: 11887 5517 rr0001

To donaTe

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thanK YoU cdf donoRS (2012-2013 DonatIonS over $5,000)

$100,000 and overFederated Co-operatives Ltd.Gay Lea Foods Co-operative Ltd.

$50,000 - $99,999Affinity Credit UnionConcentra Financial Services AssociationCredit Union Central AlbertaFirst West Credit UnionSaskatchewan Credit UnionsVancity

$25,000 - $49,999CAW - Social Justice FundCoast Capital SavingsManitoba Council for International Co-operation (MCIC)National Young Leaders CommitteeServus Credit UnionThe CUMIS GroupUnited Farmers of Alberta (UFA)Westoba Credit Union

CDF BoarD oF DIreCtorS 2012-2013

Michael Barrett – Chair Chief Operating Officer, Gay Lea Foods Co-operative Limited

Cheryl Byrne – Vice Chair CEO CUSOURCE Credit Union Knowledge Network VP Knowledge Services of Credit Union Central of Canada

Jill Kelly – Secretary-Treasurer Retired CEO, CCEC Credit Union

Beryl Bauer (to September 2012) Vice-Chair, Federated Co-operatives Ltd.

Barry Delaney SVP, Business Development, First West Credit Union

Claude Gauthier Ontario Region Director of Operations, GROWMARK Inc.

Wayne McLeod (to September 2012) President & CEO, Westoba Credit Union

Darcy Mykytyshyn (from September 2012) Director, Servus Credit Union

Mary Nirlungayuk (from September 2012) Vice President, Corporate Services, Arctic Co-operatives Limited

Gary M. Seveny Principal, Seveny Consultants & Associates

Sandy Wallace 1st Vice-Chair, Credit Union Central of Manitoba

GiVinG CREdit where credit is dUE

$10,000 - $24,999Alterna Savings & Credit UnionArctic Co-operatives Ltd.Assiniboine Credit UnionAtlantic Credit UnionsCambrian Credit UnionCo-op AtlanticCredit Union Central of ManitobaCredit Union Foundation of BCFederation of Alberta Gas Co-opsGROWMARK Inc.Saskatchewan Council for International Co-operation (SCIC)Steinbach Credit Union

$5,000 - $9,999Access Credit UnionCommunication Technologies Credit Union Ltd.Credit Union Central of CanadaGlen TullyMichael BarrettNorthern Savings Credit UnionOceanrock Investments Inc.The Flag ShopThe KPMG FoundationVic Huard

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Volunteers are turning poverty into PRosPERitYtHanK YoU CCa/CDF volUnteerS 2012-2013Alice AframKwabena AmoahLinda ArcherLucy BamforthCraig BarclayMichael BarrettWilliam Barrett Beryl BauerMyrna BentleyDana BlackwellGabi BognarDale BoisclairJon BoorenDanika BrandvoldRayanne BrennanMichael BrinDonna BruceBeth BrueschJoan BurdeniukDan BurnsJodi ChambersDeborah ChattertonLacey ChyzCarol CiseckiCharlie ColluraAshley CookNeil CooperCindy CorriganGene CreelmanNatalia CruzBarry DelaneyBarbara DalzellBlair Dixon

Bill DobsonRichard DoerksenDavid DomesPaul DuncanNoella DuncanDeborah EdwardsVanessa ElliottKarim EsmailAllan EsserJames FelschLeona FleckAnika FordeChristopher GallowayElise GarandLisa GaudryTerry Geib Barry GosnellVera GoussaertSheelagh GreekHeather HaleCindy HansonSasha Hanson PastranJim Harris John HarvieMurray HidlebaughCarol HunterDanielle Nicole HuotHeidi HyokkiSiri Jackson-WoodJim JarvisKen JennerRick JuliussonScott Kennedy

Diane KitchingSusan KlassenTracey KlieschBill KnightJohn LaheyJim LaverickLeo LeblancRichard LemoingLorri LochrieCatherine LudgateJohn MachMegan MaloneJoyce MankariosDennis MatthiesBev MaximDixie Lee MazurenKaren McBrideElaine McCullumNicholas McGeeAndy McGillivrayAdele McGuireMarilyn McKeeCarolyn McPhersonGraham MickleboroughKaren MinerAl MorinAndy MorrisonJill MulhollandDarcy MykytyshynJennifer NelsonErin NesciYassaman NouriMary Nirlungayuk

Heather O'HareAnthony OkuchiSarah PervezPatrice PrattChristine RacineTrudy RasmusonRene RitchotRocio RitchotBruce RogersRosenort Credit UnionEdward Sauve Serese Selanders Gary Seveny Ken SheaDouglas ShumilakDave SitaramDerek SkogenLaurie SmithKerr SmithBruce SmithMorris SmysnuikShohreh SoltaniniaJayne TaylorGwen TemmelNorma TomiczekRolf TraichelBryan TudorGlen TullyRichard TurleyCarlo ValleMiriam ValoisKirsten Van HoutenMark Ventry

Sandy WallaceHarvey WedgewoodJennifer WilliamsAlexandra WilsonJason WorobecJanet Zukowsky

cca InteRnatIonal pRoGRam commIttee memBerS, 2012-2013Patrice Pratt, BC – ChairMyrna Bentley, SK – Vice-ChairMichael Barrett, ONDan Burns, BCTerry Geib, ABScott Kennedy, ONDave Sitaram, ONNorma Tomiczek, NSSandy Wallace, MBJanet Zukowsky, PQ

CreditunioncommunicatorstravelledtoUgandathisyearto

observeCCA’sworklinkingco-opfarmerstofinancialand

marketingco-ops.Theirstorieshaveappearedinnewspapers,

magazinesandonsocialmediaacrossCanada.

CCA and CDF volunteers are empowering communities around the globe. To join the team visit:

www.coopscanada.coop or

www.cdfcanada.coop

Join the tEAM

see it all at the CCa Cinema: www.ccacinema.coopscanada.coop

Check out: www.coopscanada.coop or write to: sarah.Feldberg@coopscanada.coop

The Canadian Co-operative Association is a national organization for co-operatives and credit unions. We are a not-for-profit co-operative owned by our members. Our mission is to provide leadership to promote, develop and unite co-operatives in Canada and around the world.PrintedonForestStewardship

Council-certified,post-consumerrecycledpaper.

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CanaDian CO-OperatiVe assOCiatiOn 400 – 275 Bank street, Ottawa, Canada K2p 2l6 Tel: (613) 238-6711 Ext. 207 • Fax: (613) 567-0658 toll Free: (866) 266-7677 ext. 207 email: international@coopscanada.coop

CanadianCo-operativeAssociationprogramsareundertakenwiththefinancialsupportoftheGovernmentofCanadaprovidedthroughtheCanadianInternationalDevelopmentAgency(CIDA).

• Give back to others • Share your knowledge • Live the co-operative values

BECoME a CCA VoLUntEER.

Lesprogrammesdel‘AssociationdescoopérativesduCanadasontréalisésavecl’appuifinancierdugouvernementduCanadaaccordéparl’entremisedel’Agencecanadiennededéveloppementinternational(ACDI).

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CCAvolunteercoachCharlieCollura,CEOofHealthcareandMunicipalEmployeesCreditUnioninHamilton,ON(left)shakeshandswithwheatfarmer

"Choko"duringthe2012Mongoliacoachingmission.ChokoistheboardchairpersonofKhasByanUlzittSavingsandCreditCo-operativeabout100km

northofUlaanbaatar.Hesayscreditunionloanshavemadeitpossibleforhimtogrowhisfarmintoasuccessfulbusiness.

Agencecanadienne dedéveloppementinternational

CanadianInternationalDevelopment Agency