san dionisio credit cooperative - credit union · sandwich food supplier of disposable cups...

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Measuring Impacts of Credit Union Services on Wealth Building of Members

The SAN DIONISIO

CREDIT COOPERATIVE (SDCC) Way

By: Cielito L. Garrido, MBASDCC Chief Executive Officer

Outline of Presentation• Location of SDCC• Brief History of SDCC• SDCC’s Life Purpose• Vision and Mission of SDCC• Impact to Members• Impact to Community

SAN DIONISIO CREDIT

COOPERATIVE

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Location of SDCC

National Capital Region (NCR)

As of 2015 Parañaque Population

665, 822

Location of SDCCAddress:0554 Quirino Avenue, San DionisioParañaque City, Philippines

Tel. Nos.: 826-10-55820-24-02

Telefax No: 826-67-26

Email Add: [email protected]@yahoo.com

Website: www.sandionisiocredit.coop

Brief History of SDCC

- Founded July 28, 1961- San Dionisio Cooperative Credit Union, Inc.

(SDCCUI)- Twenty-eight (28) founding members- $ 7.11 (P380.00) starting capital- Rover Scouts- Jesuit priests- Concept of Cooperative- Fr. Walter Hogan and Fr. Gaston Duschesneau- Institute of Social Order

Current Assets (as of June 2018)

$36.6 M (P1.96 B)

Current Members (as of June 2018)

19,690

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Vision of SDCCInnovative global cooperative leader,

the members of which are united in, and committed to, the upliftment

of the quality of life,social transformation andenvironment protection.

Mission of SDCC1. Keep the organization increasingly sustainable yet

steadily grounded on coop values and principles under a continually happy and secure work environment.

2. Ensure self-fulfillment in all facets of human development for our Members.

3. Ensure role-based leadership development for our Officers.

4. Ensure career development for our staff.

Mission of SDCC5. Ensure the strengthening of our

Pook-Tulungans.6. Ensure a mutually beneficial and mutually

respectful working relationship with all ourpartners.

7. Ensure the total well-being of ourCommunity.

8. Ensure the preservation of our Environment.

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Highlights of Operation (1961-2017)



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Governance Structure

GUIDING CONCEPTS

THE COOPERATIVE

CAKE

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COOPERATIVE CAKE ECONOMIC

SOCIAL

CULTURAL

POLITICAL

PEOPLE

SERVI

CE

LOVE

GOD

DEVELOPMENT

OF MAN

SPIRITUAL

TRIPOD OF

SUCCESS

THE TRIPOD OF SUCCESS1. Enlightened Leadership

- Adheres to Co-opphilosophy, values andprinciples

- Knows Vision, Mission,Goals

- Commitment & Dedication- Leadership by Example- Delicadeza- Bottom-up Principle- Receptive to Change

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THE TRIPOD OF SUCCESS2. Good Management

- Transparency- Honesty- Correct Reporting- Updated Recording- Receptive to Change- 3Fs: Friendly, Fair, Firm- Be an Extra Miler- Staff Development

THE TRIPOD OF SUCCESS3. Member Active

Participation- Attend Meetings- Give Suggestions- Criticize Constructively- Patronize Services- Fulfill Duties & Obligations- Vote “Right Leaders”- Be Vigilant

Services to Members towards… Financial Freedom

a) Through Education • Financial Literacy Seminar (FLS)

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b) Loan Services• Productive Loan – With 1.25% per month based

on diminishing balance. Lower interest rate with a maximum term of 15 years depending on the nature of the business


b) Loan Services• Education Loan – Lower interest rate equivalent

to interest rate of Productive Loan


c) Deposit Products – Encourage members to save• Savings Deposit• Share Capital• Time Deposit• Interest is higher than the other market

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Services to Members towards… Financial Freedomd) Put-up own School Escuela De San Dionisio(EDSD)

• Founded in 2003• Offers Pre-School to High School• 521 no. of students school year 2018-2019 • Automatic discounted (by 20%) tuition fee of

dependent of members• School year 2017-2018 the discount total of

$19,660 (P1.05M) • Co-op as a subject• Promotes Culture (Ex. Cultural plays and Activities)• Most graduates landed as engineers,

IT Professional and Entrepreneurs

Services to Members through…

BEEFProgram

• BEEF is an acronym for the SDCC Project that aims to help alleviate poverty by addressing the needs of the marginalized members of the cooperative in particular, and of the community in general, through any of the four basic components that make up this acronym, namely:

Business, Employment, Education,and Food

What is BEEF Program?

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BEEF PROGRAM

Business• Capability building in

partnership to different NGO’s and Organizations (like TRIAS, We Effect, CUSO) through seminars and training workshop

Ex. Bookkeeping, Business Ideas, etc.

BEEF Program

Under B of BEEFSTAR PROGRAM In Cooperation with

• Coca Cola, Phil.• NATCCO• TESDA• NGO

Focused on member-womenof SDCC with• Small Sari-sari stores• Carinderia

Simple member-women with a dream and determination of making their small business a successful one

107 beneficiaries (3 batches)

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SELF-EMPLOYMENT ASSISTANT-KAUNLARANProgram (SEA-K)

Still under B of BEEFIn cooperation withLGU Thru LPRAT(Local Poverty Alleviation Action Team)DSWDFocused on SDCC members with:Existing small business; orIntention of putting-up one

104 beneficiaries

SELF-EMPLOYMENT ASSISTANT-KAUNLARANProgram (SEA-K)

Community based credit assistance programutilizing people organizations to be uniformlycalled SEA Kaunlaran Association (SKAs) ascredit conduits.

• self-management• capability building

For sustainability.

Employment• Job Fair

- In partnership with the LocalGovernment Unit ParañaqueEmployment Service Office(PESO)

- Like-minded Corporations- Open to the community

• SDCC Hiring

BEEF Program

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Mini Job Fair 2018San Dionisio Credit Cooperative in

partnership with ParañaqueEmployment Service Office (PESO)

• 405 applied in different companies

• 85 applicants hired on the spot

Education• Scholarship program

- In partnership with the San Juan De DiosEducational Foundation

• Open to all• 4-year course or Technical /

Vocational Course• Funded by the Community

Development Fund• Coop Souvenir Shop

BEEF Program

• Category:A) Full Scholarship – Free tuition fee, Misc. fee, transportation

and food allowance and other schoolexpense

B) Partial Scholarship - Misc. fee, transportation and foodallowance and other school expense

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Food• Feeding Program

BEEF Program

Services to Members through…

ValueChain

Value Chain

• Source of products from different coops and suppliers through volume purchase. Thus eliminate some of the middle men in the chain. Thus reduces the prices of the products and helps coops in other sources.

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Integrated cooperative developmentfor a Supply Chain of Parañaque

Enterprises

(icd-SCoPE)

Plan Source Make Deliver Buy

• SDCC has been implementing its own supply chainIntegrated cooperative development for a Supply Chain of Parañaque Enterprises(icd-SCoPE)

• We brought the idea to PCDC (Parañaque Cooperative Development Council) to benefit more members of other co-ops and their community

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icd-SCoPE purports to:• Achieve economies of scale for the identified

products or services, on the demand sideand/or on the supply side

• On the supply side, supplier-co-ops can gain from- increased utilization of their capacities resulting

from increased volumes coming from the combinedorders of the buyer-coops

The Main Objectives of icd-SCoPE• Ensure timely availability in different channels• Optimize inventory• Increase capacity utilization• Bring down cost of products and/or services• Rationalize prices to consumers

In SDCC• Inventory of products and services being produced or delivered by our members

• SDCC, through its convenience store, sells the product

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• SDCC promotes and sells its members’ products and services to other co-ops as well

- Tiangge sa Koop

Nature of business / Services of Member

Printing press

Eco bag

Soft drinks

Antala

Supplier of toner

Drugtest for employees

Contractor / civil works

Sandwich

Food

Supplier of disposable cups

Pastries

Ice Cream

Nature of business / Services of Member

Aircon Maintenance

Security Equipment / ICT Equipment

E-load

Fresh Flowers

Rugs

Newspaper

Food (Jacobina)

Mineral water supplier (Satellite Office)

Peanuts

Tray Eggs

Peanuts

Total Volume of businessJan. – June 30, 2018 $112,357.43 (P 6.01 M)

• SDCC is the first client of its members (Member-Supplier)

In SDCC• Source products from other co-ops (bulk buying) and deliver to its members at lower costEx. Partnership with another co-op for the Cooking Oil

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In SDCC• Produces, through

partners, its own productEx. SINAG Dishwashing Liquid

•Sari-sari store owners as retailers of Dishwashing Liquid

SDCC'S INTERVENTION: (3M's)

MoneyFinancial bridging Business capital at low interest rate

SDCC'S INTERVENTION: (3M's)Mentoring How to start the businessPrepare business plan feasibility studyCompliance to LGU(business permit)

Managing the businessTapping members with same businessBookkeepingInventory taking

Improving the business Values formation, which includes the family

members “doing business with spouseand children involvement”

Financial literacy

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SDCC'S INTERVENTION: (3M's)

Market LinkageBridging the member-entrepreneurs

to consumers throughValue / supply chain initiative

B E E F Program of SDCC

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And BEEF continues ….

Services to Members through…Gender and Development (GAD) • Gender and Development (GAD) Committee• GAD Program

- Awareness to all members through conduct of GAD Seminar

Services to Members through…CO-OP Health Care Program

Healthy Members, Healthy Co-op

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The Concerted Efforts of SDCC and the members resulted to…Impact to Community

• More Members into small businesses

The Concerted Efforts of SDCC and the members resulted to…Impact to Community• Increase of Purchasing Power of Members

- SDCC put-up its own pharmacy and conveniencestore to serve members’ basic needs atquality and reasonable prices

• Participation in the community activities- DisasterPreparednessSeminars


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• SDCC was able to form its own Community Emergency Response Team(CERT)

- Ensures safety of all members andnon-members in all co-op activities

- To form CERT in each co-op cluster (Pook-Tulungan)

- To be able to help in the communityduring any emergency


• Participation in the community activities- Environmental Protection (Cleaning of River)


• Participation in the community activities that promotes culture


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• Participation in the community activities- Political Concerns


• Participation in the community activitiesthat promotes Spiritual preservation


Through all these, SDCC is helping in the attainment of UN – Social Development Goals (SDG)

SDG # 1 – No Poverty# 2 – Zero Hunger# 3 – Good Health and Well-Being # 4 – Quality Education# 5 – Gender Equality# 8 – Decent Work and Economic Growth# 10 – Reduced Inequality# 11 – Sustainable Cities and Communities# 16 – Peace, Justice and Strong Institutions # 17 – Partnership to achieve the goals

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SDCC’s Life Purpose

To pursue and lead for a sustainabletotal cooperative system towards

the dignity of human life.

Thank You!!

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