san dionisio credit cooperative

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Page 1: San Dionisio Credit Cooperative
Page 2: San Dionisio Credit Cooperative

• 9.5 Km South of Rizal Monument

• Pasay on the North

• Muntinlupa on the Southeast

• Las Piñas on the Southwest

• Manila bay on the West

• Taguig on the East

• Makati on the Northeast

Page 3: San Dionisio Credit Cooperative

• 46.57 square kilometer the 3rd

largest city in NCR.

• Sub-divided into two (2) districts.

• Composed of 16 Barangays

• Total Population = 523,186 (as of Dec 2003)

Page 4: San Dionisio Credit Cooperative

• Barangay San

Dionisio, San Isidro,

San Antonio, B.F.

• Total Population of

4 Barangays =

227,043 (as of Dec 2003)

Page 5: San Dionisio Credit Cooperative

HISTORY OF SAN DIONISIO

CREDIT COOPERATIVE

During the scouting activity of Rover Scouts in

Corregidor, Bataan, Fr. Walter Hogan asked the Rover

Scouts of San Dionisio as to the kind of activity being

undertaken by the group in the community. Based on the

doctrine of Rover Scouts the basis of their activities were

service, love of God & Country.

Thus such community projects as artesian well, playground, basketball court & cleanliness of

little lasting value were realized.

Page 6: San Dionisio Credit Cooperative

Fr. Hogan introduced the concept of Cooperative

which the body agreed. One of the Rover Scouts who

was also a member of an Institutional Cooperative,

introduced the group to Fr. Gaston Duchesneau, a Jesuit

priest who was then the director of Institute of the Social

Order (ISO).

Dr. Angel Mendoza who was then a barrio lieutenant

made a community assembly to address the needs of the

community and the need for organizing a cooperative.

Although many of those present agreed, there were

those who were against the concept because most of

them were old enough and will not be able to do the

work anymore. Mr. Jaime Ferrer boosted the morale of

those who were interested.

Page 7: San Dionisio Credit Cooperative

There were forty five (45) participants who attended the

seminar for nine (9) consecutive Fridays, only twenty eight

(28) finished it. The speakers of the said seminar were Fr.

Gaston Duchesneau with the help of St. Andrew Asst. Parish

Priest, Fr. Francis Wittizelae.

Page 8: San Dionisio Credit Cooperative

At last The San Dionisio Cooperative Credit Union,

Inc. was organized in July 28, 1961 by twenty eight

(28) founding members with three hundred eighty (P

380.00) pesos as starting capital. This was registered at

Cooperative Administration Office (CAO) on

September 8, 1961.

At first the bureau was

reluctant for the registration

because of the provision in

the by-laws about the minor

depositor and this was the 1st

time that the community

cooperative was organized

but also agreed later.

Page 9: San Dionisio Credit Cooperative

On October 4, 1973 the San Dionisio Cooperative CreditUnion Inc. was re-registered at Bureau of CooperativesDevelopment (BACOD).

With the help of the varsitarians, a Parañaque Civic Club,the neighboring barangays of San Dionisio such as Tambo,Don Galo, Sto.Niño, La Huerta and Las Piñas weremotivated to organize their own cooperatives.

Page 10: San Dionisio Credit Cooperative

The Growing Process

When San Dionisio Credit Cooperative was formed,

there were negative attitudes like:

• “Walang humawak ng palayok na hindi naulingan ang

kamay”

• Nobody lends in the cooperative; and a question on

Credibility.

Page 11: San Dionisio Credit Cooperative

But then the cooperative was able to overcome these

problems and challenges with Mr. Herminio C.

Hernandez being its General Manager in 1961 as

requested by the Board of Directors. He started with

his voluntary service for 11 years and in 1972, he gave

up a well-paying job as an accountant in a shipping

firm to work in the cooperative as its full-time General

Manager for a lower compensation.

Herminio C. Hernandez

General Manager (1961 – 2000)

Page 12: San Dionisio Credit Cooperative

The following factors were also

considered for the slow but sure growth

of San Dionisio Credit Cooperative:

1. Adheres to the Coop Philosophy and Principles

2. Transparency of the officers and management

3. Strong spirit of volunteerism

4. Bottom-up principles

Page 13: San Dionisio Credit Cooperative

Breakthrough of SDCC:Such accomplishment is a breakthrough to meet

the changing demands of the modern life, thus the

formulation of its:

1. SDCC’s LIFE PURPOSE (Vision, Mission, Goals)

To pursue and lead for a sustainable total cooperative

system towards the dignity of human life.

I. VISION

We envision SDCC as a solid, responsive co-operative

leader, self-transforming and life-giving institution.

Page 14: San Dionisio Credit Cooperative

II. MISSION

We commit ourselves:

1. To emancipate the less privileged from social andeconomic exploitation and empower them throughcooperative activities for their productivity and quality oflife.

2. To promote the viability and growth of the cooperativesystem as instrument of social justice, economicdevelopment and national transformation.

3. To initiate and create innovative cooperative ventureswith other cooperatives and other NGO networksnationwide.

4. To develop and sustain self-transforming exemplars andmodels of total cooperative system

Page 15: San Dionisio Credit Cooperative

III. GOALS Guided by our vision and true to our mission, we aim

to attain:

1. A well-informed and loyal membership conscious ofand performing its duties and responsibilities, andactively involve in the affairs of the cooperatives;

2. A strong and properly functioning Pook-Tulungansystem that would enhance the active and democraticparticipation of the members in the activities of theircooperative and their community;

3. An enlightened and dedicated leadership willing andable to share its knowledge, time and effort for thewelfare of the members, the cooperative and thecommunity as a whole;

Page 16: San Dionisio Credit Cooperative

4. A professional staff hired, compensated and rewarded on thebasis of competence and performance, who will run thebusiness and non-business activities of the cooperative with thefull support and participation of the duly elected and appointedmanagement bodies of the cooperative;

5. An efficient and effective management that would continuouslystrengthen the financing status of the cooperative through aneffective savings and capital build-up program, efficientprocessing and collection of loans, improved systems andprocedures and strong internal control mechanism; and

6. A continuous and effective educational and training program forthe officers, committee members, pook-tulungan leaders,employees, and the general membership,responsive to thegrowing needs of the cooperative and the community.

Page 17: San Dionisio Credit Cooperative

2. Installation of 13 management systems

1) Credit Management System

2) Cash Management System

3) Personnel Management System

4) Property Management System

5) Education and Training Management System

6) Planning and Budgeting System

7) Responsibility Accounting System

8) Records Management System

9) Management Information System

10) Internal Audit System

11) Health and Other Services Management System

12) Networking System

13) Collection Computerized Management Systems

3. Amendments of the by-laws and organization structure

Page 18: San Dionisio Credit Cooperative

San Dionisio Credit CooperativeOrganizational Chart

GENERAL ASSEMBLY / Mga kasapi

KPTL

PKPTL

REPRESENTATIVE ASSEMBLY

ADVISORY COUNCIL

BOARD OFDIRECTORS

ELECTION COMMITTEE

AUDITCOMMITTEE

EXECUTIVECOMMITTEE

EDUCATION AND

TRAINING COMMITTEE

OTHER BOARD COMMITTEES

Chief Executive Officer (CEO)

MGA KAWANI

MEDIATION ANDCONCILIATION

COMMITTEE

CREDIT COMMITTEE

SECRETARY

TREASURER

Page 19: San Dionisio Credit Cooperative

After several years, another breakthroughs for SDCC

2010 – In house Management Information System (M.I.S.) Department was installed

Page 20: San Dionisio Credit Cooperative

2011 – Full implementation ofAccount Management andMember Relation System*

*Account Management and MemberRelation System

- is the total approach of handling accountsfrom its conception to utilization and itscontinuing development.

Page 21: San Dionisio Credit Cooperative

2011 –New Organizational Structure for SDCC*

*Strengthening bottom-up principleand in recognition of the Pook-Tulungan as the organization'scenter of gravity.

Page 22: San Dionisio Credit Cooperative
Page 23: San Dionisio Credit Cooperative
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1. Savings Deposit

2. Loan Services

3. Mutual Aid Plan

4. Loan Protection Plan

5. Appliance

Financing6. Library

Page 26: San Dionisio Credit Cooperative

7. Housing Projects 1, 2, & 3:

SDCC Housing Project 1

Our Mother of Perpetual Help Village

(OMPHV)

La Huerta Pque. City

Page 27: San Dionisio Credit Cooperative

SDCC Housing Project 2

Coop Village

J.De Leon St. Greenhills Sucat Pque. City

Page 28: San Dionisio Credit Cooperative

SDCC Housing Project 3

TeoVille - BF Sucat Pque. City

Page 29: San Dionisio Credit Cooperative

8. Entrepreneurship

Services

9. Mailing & Bayad

Center Services

10.Medical, Dental &

Other Health Services

11. Cooperative Education for members,

officers and other cooperatives

Page 30: San Dionisio Credit Cooperative

12. Continuous Personnel

Development Program

14. Pre-School/Elementary/

High School

15. Drugstore 13. Cooperative Promotion &

Assistance to other cooperatives

& Organization

Page 31: San Dionisio Credit Cooperative

16. RAF International Forwarding Philippines, Incorporated

Page 32: San Dionisio Credit Cooperative

17. Medical/Laboratory Examination (Tie-Up)

Parañaque Diagnostic LaboratoryDon Galo La Huerta before Sto. Niño Bridge

Page 33: San Dionisio Credit Cooperative

18. Funeral Services (Tie-up)

Guevarra Funeral Service – 30% Discount!

Page 34: San Dionisio Credit Cooperative

18. Funeral Services (Tie-up)

Holy Trinity Funeral Service – 25% Discount!

Page 35: San Dionisio Credit Cooperative

19. Western Union Money Transfer

20. Accredited Member-Dentists (Tie-up)

Page 36: San Dionisio Credit Cooperative

21. Coop Healthcare Program

22. Social Enterprise

Page 37: San Dionisio Credit Cooperative

23. Lying-in (tie-up)

Divine Rosary

Maternity & Lying-

in (before Coop

Village)

Well-Care Midwife

Clinic (Evacom

Sucat)

Page 38: San Dionisio Credit Cooperative

24. SEMINAR ROOMS, FUNCTION ROOM, & RECREATIONAL AREA WITH

SOUND SYSTEM

Page 39: San Dionisio Credit Cooperative

25. CLIMBS COOP ASSURANCE (TIE-UP)

Page 40: San Dionisio Credit Cooperative
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Page 42: San Dionisio Credit Cooperative

As of December 31, 2010DEC. 31, 2010 DEC. 31, 2009 VARIANCE %

A. SHARE CAPITAL 199.98 M 156.70 M 43.28 M 27.62 %

B. SAVINGS DEPOSIT 119.73 M 112.46 M 7.27 M 6.46 %

C. TIME DEPOSIT 237.05 M 210.13 M 26.92 M 12.81 %

D. TOTAL ASSETS 632.84 M 543.34 M 89.50 M 16.47 %

E. TOTAL RECEIVEABLE

404.14 M 285.96 M 118.18 M 41.33 %

F. MEMBERSHIP:

REGULAR MEMBER 13,094 10,497 2,597 24.74 %

SPECIAL DEPOSITOR 7,868 7,701 167 2.17 %

ADULT DEPOSITOR 844 856 -12 -1.40 %

Page 43: San Dionisio Credit Cooperative
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1. To reduce loan delinquency.

2. New businesses generating

income.

3. Sustainability of all the services.

4. Successor leadership and

Management

Page 45: San Dionisio Credit Cooperative

5. Quality and Active members.

6. More Pook-Tulungan Leaders are

actively participating to cooperative

programs.

7. Pook-Tulungan System as a vehicle to

a more successful cooperative.

Page 46: San Dionisio Credit Cooperative
Page 47: San Dionisio Credit Cooperative

COOPERATIVE IS LIKE A POT

COOPERATIVE

Page 48: San Dionisio Credit Cooperative

COOPERATIVE

1. Knows Vision / Mission / Goals

2. Adheres to Coop Philosophy,

Values & Principles

1. Leadership by Example

2. Commitment & Dedication

3. Delicadeza

4. Bottom-up Principle

5. Receptive to Change

Page 49: San Dionisio Credit Cooperative

*In short, Cooperative Leaders should have

the following traits (as described by our new

Chairperson Mr. Garibaldi O. Leonardo, Ph.D.)

K – kakayahan

K – katapatan

P – pagmamalasakit

P – panahon

Page 50: San Dionisio Credit Cooperative

COOPERATIVE

1. Attend Meetings

2. Criticize Constructively

3. Give Suggestions

4. Vote “Right Leaders”

5. Patronize Services

6. Fulfill Duties & Obligations

7. Be Vigilant

Page 51: San Dionisio Credit Cooperative

COOPERATIVE

1. Transparency

2. Honest

3. Correct Reporting

4. Updated Recording

5. Receptive to Change

6. Staff Development

7. Be an Extra Miler

8. 3 F’s Friendly, Fair, Firm

Page 52: San Dionisio Credit Cooperative
Page 53: San Dionisio Credit Cooperative
Page 54: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

Marami sa atin ang tingin

sa kooperatiba at nakikita

lang ay yung panlabas na

kaanyuan. Katulad ng

isang cake, kapag

maganda ang icing,

masasabi nating ito ay

masarap. Katulad din ng

kooperatiba, kapag

nakikita nating maganda

ang gusali maraming

physical infrastructure,

ang masasabi natin ay:… ito ay mayaman.

… ito ay mapera.

… ito ay matagumpay.

Page 55: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

Ngunit ito ba ay “Conclusive

Evidences” para malaman

natin kung masarap ba ang

cake? Gayundin sa

kooperatiba, upang malaman

nating ito ay maganda, tayo ay

magpapamiyembro dito.

Karaniwang nagiging palamuti

o icing ng mga kooperatiba ay

ang sumusunod:

1. Peso

2. Dollar3. Lira (Italy) o Pound

4. Deutschmark (Germany)

5. Gold

Page 56: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

Ngunit, ito nga ba ang

totoong anyo at sukatan

ng isang kooperatiba?

Bagama’t ito ay

importante, dapat ang

tingin natin ay hindi lang

Peso kundi…

1. People- Ito ang mga miyembrong

nagtutulungan at mga

opisyales na

nagsasakripisyo sa

kooperatiba…

P

E

O

P

L

E

…BAKIT?

Page 57: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

Hindi dahil Dollar ang

kanilang nakikita

kundi…

- Ang kagandahan ng

serbisyo ng kooperatiba

na ibinibigay sa mga

kasapi.

P

E

O

P

L

E

S

E

R

V

I

C

E

2. Service

Page 58: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

Maaari nating

maipagmalaki na kahit

wala tayo sa kooperatiba

ay kakain parin tayo ng

tatlong beses sa isang

araw. Pero bakit mayroon

pa ring SDCC? Dahil

hindi Lira o Pounds ang

nakikita natin kundi…

-Ika nga sa kasabihan,

“Kapwa ko, Mahal ko.”

Kinakailangan din natin

ang “passion” sa

paglilingkod sa

kooperatiba.

P

E

O

P

L

E

S

E

R

V

I

C

E 3. Love

L

O

V

E

Page 59: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

Bakit tayo nagtutulungan?

Bakit tayo nagseserbisyo?

Dahil mayroon tayong

pagmamahal sa kapwa

natin, at mayroon tayong

matayog na adhikain, hindi

ang Deutschmark kundi…

-Sa papaanong paraan?

P

E

O

P

L

E

S

E

R

V

I

C

E

4. Development of Man

L

O

V

E

D

E

V

E

L

O

P

M

E

N

T

O

F

M

A

N

ECONOMIC

SOCIAL

CULTURAL

POLITICAL

SPIRITUAL

Page 60: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

P

E

O

P

L

E

S

E

R

V

I

C

E

L

O

V

E

D

E

V

E

L

O

P

M

E

N

T

O

F

M

A

N

ECONOMIC

- Ito ang sinisikap ng ating

kooperatiba na

matugunan ang “Basic

Necessities of life.” Gaya

ng…

…Pagkain

…Tirahan

…Pananamit

…Edukasyon

Page 61: San Dionisio Credit Cooperative

COOPERATIVE

CAKESOCIAL

- Equally important din

ang aspetong ito sa ating

mga kasapi, dito

pinupuksa natin ang…

…Crab Mentality

“Sa diwa ng Kooperatiba

ang tungkulin ng mga

nasa itaas ay hatakin ang

mga kasamahang nasa

ibaba upang kasama nila

ito sa pagkamit sa

tagumpay.”

P

E

O

P

L

E

S

E

R

V

I

C

E

L

O

V

E

D

E

V

E

L

O

P

M

E

N

T

O

F

M

A

N

Page 62: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

CULTURAL

- Ito ang magagandang

katangian ng mga Filipino

na binubuhay natin

kagaya ng…

…Bayanihan

…Kabutihang asal ng

mga kabataan

…Mayamang kultura ng

mga Filipino.

P

E

O

P

L

E

S

E

R

V

I

C

E

L

O

V

E

D

E

V

E

L

O

P

M

E

N

T

O

F

M

A

N

Page 63: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

POLITICAL

- Sinasabi natin na wala

tayong binibigyan ng

pabor sa mga

nangangandidato, at ito

ang isang paraan sa

paghubog natin sa mga

miyembro natin na…

…Kapag dumating ang

eleksyon, iboboto mo ba

ang taong alam mong

corrupt?

P

E

O

P

L

E

S

E

R

V

I

C

E

L

O

V

E

D

E

V

E

L

O

P

M

E

N

T

O

F

M

A

N

Page 64: San Dionisio Credit Cooperative

COOPERATIVE

CAKE

SPIRITUAL

- Ang huli ay spiritual

development. Kaya kung

bibigyan natin ng kahulugan

kung ano ang kooperatiba..

ito ay samahan ng mga tao na

nagtutulungan dahil gusto

nila ng serbisyo sa isa’t-isa

dahil mayroon silang pag-ibig

sa kapwa at ang kanilang

matayog na layunin ay ang

total DEVELOPMENT of

MAN sa aspetong…

ECONOMIC

SOCIAL

CULTURAL

POLITICAL

G

O

D

“under the guidance of not

of Gold but of GOD.”

P

E

O

P

L

E

S

E

R

V

I

C

E

L

O

V

E

D

E

V

E

L

O

P

M

E

N

T

O

F

M

A

N

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