Baguio City, Phit ippines Vol ume 13 , Issue L April to June 2010

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The Annual Staff Development Seminar of theBBCCC employees was held at PTA Resort, San Fa-bian, Pangasinan.

Rich and beautiful insights about HumanResource Management, were shared by a multi-talentedperson, Mr. Marquez ttMarktt Ocampo Go.

His message was centered on the treatment ofernployees in the work place. If they are:

H- Helped,U- Understood,M- Motivated,A- Acknowledged,N- Nurtured, andS - Supported

they will give their 100% of their time, effort, loyalty,and commitment in return.

He further focused on the role of a HumanResource Officer since it is a vital role in any organiza-tion. He said that the HR Officer must have a big heart

Coonerative Communitv News and Features W frWTffi UMTY ilID WMtr

and a strong teeth; the ears are on the ground too be-cause he/she is the conscience of the company and thecenter piece of any organization.

Another part of the staff development was a talkon " Success in Employee Discipline." It was given byAtty. Nelson Gayo, a member BBCCC Board sfDirector.

He planted in the heart of every employee pre-sent that success of any organization is the foundationupon which just wages may be paid. There cannot besuccess without efficiency; there cannot be effrciencywithout discipline.

It was emphasized that lasting success in em-ployee discipline is assured only when there is commit-ment on the part of the employee to abide by the rulesnot because of fear but because he is truly convincedthat good behavior promotes viability of the businessand that the viability assures his job security.

Gayo also highlighted that an employee mustconsider his employer a partner i.e. it is a win-win af-fair, a partnership and a mutual covenant. It is an align-ment of thoughts, words and deeds between the em-ployer and employee. It is collaboration not confronta-tion, alignment not conflict and harmony not chaos.

On employee discipline, he properly explainedthe legal dimension, administrative dimension, behav-ioral dimension, and God-centered approach.

The staff development was also attended by theGeneral Manager - Mrs. Veronica Cardona, Educationand Committee Chair- Dr. Mario Valdez, and BODChairman -Dr. Amparo Rimas.

A liale thing is a thing but FAITHFULNESS inlittle things is a very great thing.

BBCCC STAFF DEVELOPMENT 2OIOReconditioning the Body and Reprogramming

the Mindset of EmployeesBy Rosemarie M. Torres

Department Head, Billing and Collection

Page 2 rhe BBCCc COOPSERVER April to rune 2010

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After fifty (50) fruitful years, the BBCCCcan be said to have arrived. Membership numbersinto the thousands. Services have become manyand varied and have improved tremendously.Sound business initiatives are in place. Financialperformance has been dramatic. All these are im-pressive. They make the leaders and members ofthe Coop feel satisfied and happy to claim thatsuccess has been achieved.'Is this good enough?

Is success equated merely to good materialor financial performance? While these may indi-cate achievement of sorts, success should bemeasured on a higher level- that of SIGNIFI-CANCE. Simply put, success should impact onthe very life or being of the Coop member, raisond'€tre why these services, financial and businessinitiatives are there in the first place. Happily,BBCCC can claim to have moved into this direc-tion.

Thus the BBCCC has gone beyond com-mon parameters of success of business enterprises.It has responded in no small measure to its man-date of social responsibility. Awards and testimo-nies attest to the impact of the Coop on its mem-bers. The BBCCC Foundation, Inc. looks intovarious poverty alleviation concerns such as

scholarships to poor but deserving students, gro-cery coupons to street childreno early education,medical and social outreach activities, not to men-tion development programs fgr officers, staff andthe general membership. All of these have enabledthe BBCCC transform lives of its members so thatthey are not merely recipients of services, givenbetter livelihood opportunitieso end granted finan-cial returns; these' bengfits had transcended thematerial or temporal level but they have pene-tSated the very core of their human value and self-worth.

It is therefore a challenge to all Officers andStaff to relentlessly continue to make the BBCCC aninstrument that elevates and transforms the lives of itsmembers to a level of substance and SIGNIFICANCE.

: God bless us in this endeavor.

Henry'W. Longfellow once said, "Nothing'is too late,urtil a tired heart shall cease to palpitate." Although we arenow on the seventh month of the year, it is not yet too late tocongratulate again the elected board members and officers ofour cooperative for FY 2010 and wish them all the luck as

they do their duties and responsibilities. Our recent generalassembly held at the Gonzaga gym of SLU last March 7 t2010 indicates that majority of our members preferred'statusquo. Congratulations also goes to the general membershipwho voted for them. However, this does not mean that thosewho did not make it to the board are less deserving or lessqualified. The mere fact that they have presented themselvesto the members and openly offered their services is already atestament to their commifinent and dedication for the growthof our cooperative. Based on that, they likewise deserve ourutmost gratitude and congratulations too.

Being a billionaire cooperative as what our coopera-tive has accomplished is not just about the accolades andpraises bestowed upon us. Although it wanns our hearts thatour efforts are paying off and are being recognized. But forus, this also means a deeper commitment and responsibility toour members to continue the works that we are doing. Weowe all these achievements to the general membership whoentrusted this great responsibility of managing this coopera-tive for them. It must also be understood that we cannot dothis alone. Your continued help and patronage of our servicesis what really spells the differ€nce between success aqd fail-ure. Your management team is here to guide and provlde di-rection for our cooperative. We likewise need your inputs andfull support for whatever activities we might come up withfor the benefit of our membership and our cooperative. So wemust stay the course and work hand in hand towards attainingour goals and objectives. l

[ *" ,r... COOPSERYER oorrt ." t"" ,ort I Page 3

By Dir. Oscar R. AdversaloChairman, Research and Publication Committee

BBCCC ELECTIONS

In the May 18, 2010 issue of the Philippine Star, NAMFREL issued a firll-page statement on the elec-tions which is capsulized as follows:

The Natiorial Election of 2010 was a celebration of democracy by the Filipino people. Therewere two dramatic improvements in the election namely, quick counting and tabulation of votes, andthe change of behavior of losing candidates who quickly and readily concedes defeat, thereby reduc-ing political tension and contributing to the public acceptance of results.

However, certain concerns and recommendations were advanced in the spirit of constuctiveobservation and prospective improvement of the system: long lines, certified voters lis! election vio-lence and vote-buying, no ballot secrecy, where are the UV lamps?, completion of counting, do notdeshoy CF cards or delete data, random manual audits must be completed at the soonest possibletime, the ARMM continues to present challenges to the electoral process, public report on the per-formance of the SMARTMATIC, and COMELEC to render a report on the expenses incurred in im-plementing the AES.

While elections are part and parcel of our nation's political life, elections also play a vital role inCoop life. Elections are conducted every year by Cooperatives for the democratic selection of certain coopofficers.

At BBCCC, manual elections (who knows, soon aulomated elections) are held annually during theAnnual General Assembly and are generally peaceful , orderly, fair and honest. Mud-slinging, vote buying,violence and other dirty tactics are alien to coop politics. No complaints of fraud and inegularities werre everrecorded in BBCCC election history. Unlike national election (especially in pre-poll automation era) electionprotests are so very rare. Only one case of electoral protest and re-count can be recalled and this happenedsix or seven years ago.

Comparing may not be in order here. However, we cannot help but engage in wishful thinking. If,and this is very hypothetical, national elections were conducted the coop way, then we can shout to thewhole world that indeed there is no place like the Philippines.

Oscar AdversaloEditor-ln-Chief

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CDIT()RIALRcbertc Belda

BOARD

TelNos.: CONSULTANTS:(0741442-58_72 B1D Chair, Dr. Amparc Rimas(074) 442-6603

GM Vemnim Cardona(o7al44'6aP HLE PHoros:

TeleFax: (074)/144-4993 ManagementlnformationSlstems

The BBCCCCOOPSERVER.

IS THE OFFICIALNEWSLETTER OF THE

BACUIO-BENGUETCOMMUNITY CREDIT

COOPERATIVE(BBCCC) WITH

OFFICE ATNO. 56 COOPERATIVESTREET, ASSUMPTIONROAD, 2600 BACUIO

CITY, PHILIPPINES.

Page 4 rhe BBCcc CffiPSERVER April to June z0L0

Opposite page shows Norweslu delegationled by Dr. Amparo Rimas and Mr. Oscar Advenalo ofBBCCC.

BBCCC and NORWESLUParticipate in PFCCO's 50th

Annual General AssemblyBy Roberto I. Belda

Member, Research Developmentand Publications Committee

The Philippine Federation oCredit Cooperatives (PFCCO) recentlyheld its 50tr Annual General Assembly andEducational Forum at the Baguio CountryClub last April 28-30, 2010. This year'stheme was "Outsmarting the Impacts of theGlobal Financial Crisis". This annual na-tional event was organized by PFCCO to-gether with the North Western LuzonLeague of Cooperatives (NORWESLU).

PFCCO is a tertiary cooperativecomposed of eight secondary cooperativescalled leagues coming from the differentregions of the country. All these leagueswere represented in the event, six werefrom Luzon and one each from the Visayasand Mindanao. The total number of regis-tered participants reached 390 individualsrepresenting the l0l primary cooperativesthat officially came to the event.

The Baguio-Benguet Commu-nity Credit Cooperative (BBCCC) being anactive member cooperative of NORWESLUalong with BGHMC-EMPC and BAMACOofficers and staff were also present duringthe annual gathering. RepresentingBBCCC in this assembly were the follow-ing: Chairperson Amparo Rimas, Dir. OscarAdversalo, Dir. Mario Yaldez, Dir. ArmroAsuncion, Dir. Isabelina Ronquillo, Dir.Aurora Ambanloc, Atty. Renato Fernandez,

GMseph

Veronica Cardona, BOD Sec. Jo-Porfirio Andaya, BOD Treas.

Josephine Ocampo, Dr. George Ramos,

Nida Flavier, Roberto Belda, ConradoChan, Norma Lacopia" Rosemarie Torres,Lilian Basilio, Maynardo Banta and LenySolajo.

The morning of day one was de-voted to a motorcade around Baguio Citywith a special focus in promoting the partylist Ating Koop. The afternoon was the startof the event proper with a holy mass led byFr. Mar DJ Arenas, National President ofAting Koop party list. Baguio City MayorReinaldo Bautista and CDA ChairpersonLecira Juarez also graced the event and gavetheir welcome and words of encouragementto all the participants. NORWESLUManager, Dr. Rimas and PFCCO Chairper-son Atty. Proculo Sarmen delivered the wel-come address. As BBCCC's contributionsin the annual gathering, Mr. Belda, led

the cooperative prayer while Nor-reslu Chair Dir. Adversalo led in recitinghe cooperative pledge. Later in the after-loon, Ms. Ocampo delivered her lecture onhe topic "The Credit Union Response to theilobal Financial Crisis". Her talk is part olhe educational forum of the assembly. Mr.A,ndaya was given the task to be the educa-:ional forum's anchorman where he ex-rcrtly gave his reflections and recommen-lations for every topic that were presented.

During the whole educational fo-um which lasted until the second day, thelollowing notable national cooperative per-;onalities also gave their lectures and talk:Dr. Lovenia Naces, "PFCCO@50: History,Reflections, Directions"; Cely Gonzales, "AYear After...A Progress Report on the 49thPFCCO Educational Forum Recommenda-tions"; Caroline Dave and EricDizon,"ACCESS Branding: Credit UnionReality Checlf', Fely Ruiz, "How to Main-tain Safe and Sound Credit Union", Mr.Ranjith Hettiarachchi, "Szslained Action o1

the National Federations to Financial Cri-ris", Dean Alex Brillantes, "Lessons on theValue of Thrifi: The l{ay Out to FinanciaiTrouble", Atty. Sarmen, "Non-TraditionaiMergers: An Innovative Opportunity fotCredit Union to Gro,w", Dave Pajaron,PFCCO CEO *PFCCO Scorecard' and thekeynote speaker representing FinanceSec. Margarito Teves, Asst. Sec. Ma. Teresa

Habitan who spoke on the topic,Knowledge Management for Im-

oroved Performance, Competitive Advan-tage and Innovation".

This annual event was a successwith everyone involved in the cooperativernovement learned about ways to cope withthe global financial crisis and how som€

credit cooperatives even in this tight eco-

nomic condition managed to stay very com.petitive and profitable. The event served ar

an inspiration for the whole cooperativrmovement to be vigilant and steadfast

and forwarded the message that for everlchallenge there is always a conespondin6solution. In the words of Fr. Arenas, 'Neversurrender!"

The venue of the next general assemblyptill being finalized as of this writing.

BBCCC Foundation Organizes2010 PoIl Automation

Seminar/Torum

By: Roberto I. Belda, Member RDPC

In preparation for the much an-ticipated first-ever automated elestionsin the countrS/, The Baguio-BenguetCommunity Credit CooperativeFoundation (BBCCCF) in coopera-tion with The Proteus Center for Re-search, Planning and Development(Proteus Ctr.) organtzed a seminar/forum about the poll automation lastFeb. 18, 2010 at the City Travel Ho-tel. The theme of the event, "GettingReady for Election Day: A Compre-hensive Approach to Poll Automa-tion 2010- is BBCCCF's small con-tribution in the voter's educationcampaign for the May 2010 auto-mated election.

Invited to speak was COME-LEC-CAR Regional Director Atty.Julius Torres who discussed the vari-ous laws and jurisprudence govern-ing the automated polls with a spe-cial focus on how these legal provi-sions will affect the electoral environ-ment. The participants were given thetrue picture of the legal framework andprocess of the automated elections. Healso demonstrated the proper use of thePrecinct Count Optical Scanner (PCOS)machine and how the voters can use thisduring election day

Engr. Jose Ma. Pangilinan,former dean of the College of In-formation and Computing Sciencesof SLU tackled the technical bspectof the election process.

Page 5rhe BBCCc CN)PSERVER April to rune z0t0

Katherine Selvrno

Charlie Jimenez

Lorna Mabutas

Nenita Malaggay

Josephine Cantor

Milbert Cocoy

Litecia De Guzman

Leeby LopezRosela Reyes

Henry De Leon

Sara Jane Bancairen

Ticket No. 230413

Lucia Gadgad

Ermelinda Saley

Gloria Maigue

Balbina Tengay

2010 election of BBCCCwas a success and the proclamation

of winning candidatss was done on

the same day of the general assem-

bly. Below is the list of the newlyelected officers with their corre-

sponding votes.

For Board of Directors:1. Ambanloc, Aurora M. 4398

2. Ronquillo, Isabelina G. 4180

3. Asuncion, Arturo G.

For Audit and Inventory Committee:l. Flavier, Nida F.

2. Ramos, George K.3. Chan, Conrado B. Jr. 3849

For Election Committee:l. Velasco, Armando C. 3540

Atty. Angeline May T.Cabrera acted as the Interim Ele-com Chairman because Atty. Ar-mando Velasco, the ELECOM Chairran for offrce. Atty. Cabrera was as-

sisted by Elecom Members, Mrs.Norma Lacopia and Mr. GerrySoriano.

6 Clocks

Major Prizes

1st Prize

ZndPnze

3rd Prize

4thPrize

5th Prize

Dolora K. Polkero(Laptop)

Florence S. Lardizabal

(Personal Refrigerator)

Megan Bastian(Air Cooler)

Maria Lane

(Cellphone)

Margie Dela CruzPatricia AkiateNellie MalinganPriscilla Publico

Ma. Cristina Sta. Maria

Leonila S. Ganado

Lilibeth Lesino

Ticket No. 096215

(Cellphone)

Minor Prizes2 Steamer Karl Bermas

Nida Diego

5 Flat Iron with Ironing Board

Joylyn Manalog

Josie Oliganga

Gisela Frey VidaoYolanda L. Bastian

Melgrace Centeno

5 Rice Cooker Lolita Belen

I I Plastic Wares

Florises Tomboc

Elinor BulcioRoy Dungue

Domila Abuan

Tiffany Gallego

Lily AludosMarta Benaoe

Evalynn Cerdenola

Doreen Cayda

Jean Dorado

Rosario Busmente

BBCCC- Foundation Inc.Raffle Draw Ticket Winners

Adversalo ElectedNORWESLU BOD Chair;

Rimas AppointedManagement Committee

ChairBy Stephenie Ong

Member, Research Developmentand Publications Committee

In the reorganrzation ofmeeting of the Board of Directors ofthe Northern Luzon League of Co-operatives (NORWESLU) held onApril 18,2010 at Ridgewood Hotel,Baguio City, BBCCC Director OscarR. Adversalo was elected Chair ofthe Board of Directors whileBBCCC Chair Dr. Amparo Rimaswas appointed Chair of the Manage-ment Committee.

With the new set of officersand enhanced income generationprogram, the League is expected tobe back on its feet administrativelyand financially in 2010. It shall con-tinue to update its members prima-ries on Coop issues and concernswhile providing them timely andrelevant education and training.

To date, the more activemember coops of NORWESLU arethe following:

Baguio- Benguet CommunityCredit CooperativePhilex Community Credit

CooperativeBaguio Matrarlika Multi-purposeCredit cooperativeBaguio General Hospital andMedical Center EmployeesMulti-Pu{pose Cooperative

Baguio Seafarers CooperativeUniversal Multi-Purpose

Cooperativg

Election 2010 ResultsBy Norma Lacopia

Member, Election Committee

To the raffle draw ticket winners,please claim your prizes at the

Manager's Office.CONGRATULATIONS!

Page 6

BBCCC Lubas Housing Project Update (As of June 2010)

Block 2 Alley undergoing excavation and

rip-rapping.

View of the main road and secondary road(to the right).

The main road as viewed from the entrance

subdivision.

Workers in the middle of constructing the main entranceof the subdivision where the main gate will be erected.

LUBAS I{OUSING SITEDEVELOPMBNT UPDATE

By Aurora M. Ambanloc ,

GROWING WITH BBCCC:LADY R Experience

By Russell B. Dolendo Ph.D.BBCCC Member

members of the Cooperative. I alsoinspired my father, mother, sisters,aunts, and in-laws to become mem-bers.

After 18 years as active and ingood standing members, BBCCC isstill our economic partner. I do actu-ally look forward to the annual sched-ule of our general assembly:as I expectto receive another l3th month bonus.Our efforts are especially for our threechildren - Rhodofer Rusell, ZhenafeLou and Andre Nicole who are all as-sociate members of the Cooperative. Ialso inspired my father, mother, sis-ters, aunts, and in-laws to becomemembers.

Even as we transferred to LaTrinidad in 2000, as there 'are other

existing cooperatives around, the fam-

ily remained loyal to the Cooperative

to all our financial fall-through. Earn

and save the cooperative we!:

The Lubas Housing projectfor the first and second quarter wasa continuing task for improvementand development. On the road con-creting, it is already ninety five per-cent (95%) completed, and the fivepercent remaining is the construc-tion of curbs and gutters and con-creting of t'wo (2) alleys at Block 5

and Block 2. The pipe water distri-bution system is ninety eight per-cent (98%) completed and the twopercent is the installation of fittingsof t'wo fire hydrants and severalblue bulbs. Hopefully, the watersystem will be completed withinthe third quarter.

It was on February 22,zUAwhen the one hundred fotty five(145) lot titles and eight (8) secon-dary roads and one main titles wasturned over to the Cooperative bythe Register of Deeds, Capitol, LaTrinidad, Benguet.

Because of the twoyear contract to develop the siteended June 3, 2010, the Board or-ganized the Task Force Develop-ment (TFD) to plan, monitor andassess the progress of developmentof the Housing project. Directors tocompose the Task Force Develop-ment are Oscar R. Adversalo,Arturo G. Asuncion, Mario S. Val-dez and Aurora M. Ambanloc as

the Housing Officer. The TaskForce Development held meetingsat the site to monitor closely theon-going project. :"'

Plan and a Certification of Compli-ance are already released by the'LaTrinidad Municipal. Planning andZoningOffice.

.

(continued to page 7)

I became a member of BBCCCsince January of 1992, a year after beingabsorbed at Saint Louis University. I gotmarried around the last quarter of thesame year to Lou Alfrbd Y. Dolendo, apersonal recruit to the coop since 1994.

Like any other families, wehave to work things out together throughthick and thin. As couples, we strovehard to earn a decent living for the grow-ing family. The Cooperative has beenour constant companion in various busi-ness endeavors. We venfured in differentbusinesses like selling of different good-ies in sari-sari store, selling P.E. T-shirtsand RTWs from Manila, delivering ofsacks of rice, managing a jitney trans-portation, ffid engaging in direct selling.We also tried to maintain a food stall inGeneral Luna. But what remained stableis the LADY R taxi business since lggTand the cooperative has been our con-stant financial partner , as I often say,'our " maintenance" pal. Now, there arefwo units running.

The cooperative is also our c(

running mate" when the family is in fi-nancial need due to sickness or emer-gency cases. It served as out fall backduring times of unexpected crisis espe-cially when my father-in-law was diag-nosed with stage 3 colon cancer. Every-one knows how hard to get through itthese days. Thanks to our AlmightyGod, my family and of course BBCCCfor helping us survived the ordeal.That's why I always believe in the mottoof the'Cooperative: save regularly, bor-row wisely and repay. promptly. In 'thefuture, you have something to dependon.

After 18 years as active and ingood standing member_s, BBCCC. is_stillour economic partner. I,do "actually lookforward to the ,annual schedule of ourgeneral'assembly as I expect to receiveanother l3th month bonus. Our effortsare especially for our three children -Rhodofer Rusell, Zhenafe Lou and

rhe BBCCc C(fiPSERVER April to rune 2010 Page 7

(Continuedfrom page 4) BBCCC Founddion

His talk focused on the procedures ofcanvassing and transmission of resultsfrom the precinct level to the nationallevel which allowed the participants tobe introduced to the various technicalaspect of the automated election.

Atfy. Aquil Tamano in behalfof his brother Atty. Adel Tamano gavea brief overview on the topic"Detecting and Counteracting ElectionFraud". Also present at the seminarwas Smartmatic Regional CoordinatorJuancho Villaroman who answeredsome of the participants' queries.Bombo Radyo's Eddie "TatangEdong" Carta was the moderator dur-ing the open forum.The participantscame from as far as the

Ilocos province, Pangasinan,La Union, Abra, La Trinidad and Ba-guio. Most of them are governmentofficials while the rest are private citi-zens who all wanted to learn moreabout the details of the automatedelection and how this will affecttheir right of suffrage. RepresentingBBCCC at the seminar were:,Chairperson Ampy Rimas,(continued to page 9)

CDA Regional Directorlnducts BBCCC Officers for

FY 2010; Service AwardsGiven

By Roberto I. BeldaMember, RDPC

The induction of the newof BBCCC officers for FY 201and the service awards ceremfor BBCCC staff were held I

May 15,2010, 6PM at the BBCCSeminar Hall. This is anevent that not only introducedorgarrization's leaders for the ye

2010 but also honored some ofstaff who perseveredthese years in order to serve the organization.

Cooperative Development Authority (CDA-CAR) Regional DirectorRay R. Elevazo administeredOath of Office to the incoming officers and committee members.ing the talk of RD Elevazo, he mtioned that he is very grateful to thelp and inspiration provided b

Page I rhe BBCCc CNPSERVER 'April to June 2010

BBCCC to what he has accom point that his appreciation for the importantroles played by the cooperatives in com-munity and nation building began todeepen. And because of this positive ex-perienbe with BBCCC, he was more thandetermined to pursue a life-long ca-reer anchored on the cooperative move-ment. (continued to page 9)

plished so far as a cooperative person. It was in the early 1990's whhe was just starting his govecareer as a clerk when heone of the seminars organizedBBCCC. At that time BBCCCalready a millionaire coop withousands of members. It was at

rhe BBCCI CWPSERVER April to rune 2010

il;;;,;;'nerparo Rimas,Chairman

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Divide and RuIeBy Atty. Zosimo M. Abratique

Member, Legal Committee

(continuedfrom page 8) CDA Regional

The Board of Trustees of theBBCCC Foundation were also in-ducted on the same day. The pro-sftrm emceed bv Mr. Joseph Austria

BBCCC FouCol

By Dr. AmBBCCC

and Ms. Blanche Mangawa, alsohonored loyal and dedicated em-ployees who stood by the coopera-tive thru thick and thin. Recognitionwere given to employees who haverendered 5, 10, 15 and 20 years ofservice. Below are

awardees for 2010.

Service Awardees:

the service

Amparo T. Rimas l0 yearsLeny T. Solajo 20 yearsPacita A. Balancio 15 yearsBenjamin M. Sison 15 yearsJoseph L. Austria l0 yearsJaime S. Torres 10 yearsFred B. Panapan 5 yearsNanda P. Dimaguila 5 yearsRecilyn L. Nanes 5 yearsMaynardo S. Banta II 5 yearsEva Emilyn N. Tabdi 5 yearsJuanito N. Nastor, Jr. 5 yearsNeriza A. Ruelos 5 yearsAilyn E. Bautista 5 yearsEdgar T. Platilla 5 yearsElizabeth C. Cinco 5 yearsMary P. Pinkihan 5 yearsFemla A. Martinez 5 years

Michael Tim B. Balagot 5 yearsBlanche C. Mangawa 5 yearsGenevie C. Perez 5 years

The BBCCC Foundation, Inc.Preschool started classes last June 15

with a new teacher, Ms. Felina Lubi-syo.

A parent orientation was heldon June 19, 2010 at which parentswere informed of the school policiesand program of activities for the schoolyear 2010 -201l. Atty. Renato Fernan-dez, Foundation CEO, and Dr. AmparoRimas, School Principal handled theorientation along with the teachers.

On the other hand, the new andcurrent Foundation Scholars had theirfirst meeting on June 17 , 2010 whichwas also attended by their parents.

The Scholarship Committeecomposed of Dr. Mario Valdez,Dr.Amparo Rimas, Dr. Juliet Sannad,Baguio Dep Ed Division Supervisorfor Values and Mr. Pete Tubal,Benguet Division Supervisor forAlternative Learning, assisted by each

other in advising the students to taketheir studies seriously by attendingclasses regularly, doing their schoolassignments daily, to behave, and toavoid drugs, smoking, drinking andbad company.

The parents were likewiseexhorted to provide a caring watchover their children and to monitortheir activities especially their get-ting home on time after class.

This Machiavellian preceptwhich has ruthless and heartless twangmay have a good point after all. Thisshould not apply only in governanceand positioning in different groups ofpeople. We could use the precept indealing with our everyday lives like forexample in managing our finances. Thisafter all could be considered as a man-agement tool.

We should not be overwhelmedby the problem but rather DIVIDE andRULE over it. It is not uncommon formembers to take out several loans onseveral occasions. When one of theloans lapses in default, there would be astrain in settling the others so that like astack of dominoes the rest fall and be-come past due. The member is thusfaced with a past due amount beyond itsmeans.

The tendency is to look formeans to settle the total. We have ad-vised often for the members not to lookat the total but rather solve his problemone account at a time starting from thesmallest. This would give him a senseof direction and accomplishment so thatwithout realizing it, the problems aresolved.

The past due account started as

small individual loans. They should bethus resolved and attacked individqally.DIVIDE and RULE. We should not beenslaved by our finances or lack of it.

(continued from page 4) BBCCC Foundaion perspective the conduct of the gluntry'sfirst-ever automated election. Questionswere also answered satisfactorily by theinvited speakers allowing the participantsto be convinced that the May 2010 elec-tion is safe and the counting of votes canbe done efficiently and effectively.

Certifi cates of participationwere awarded to all the attendees ofthe one-day seminar/forum. The Pro-teus Center is a Baguio-based privateorganization engaged in research andprofessional development seminars andtraining. For more inquiries they cenbe reached at c-4rpdr..0.yahoo.conr.

(continuedfrom page 7) Lubos Housing

These are the remaining require-ments by the Housing Land UseRegulatory Board (HLURB) for theissuance of the License to Sell.Hopefully, BBCCC will start issuinglot titles to the fifty four (54)awardees and prospective awardeesare advised to continue investing totheir CHIPS Account.

Dir. Oscar Adversalo, Dir. Aurora Am-banloc, Dir. Art Asuncion, Dir. NelsonGayo, Dir. Isabelina Ronquillo, Dir.Mario Yaldez, BOD Sec. Jopo Andaya(who was the emcee of the event),BOD Treas. Josephine Ocampo, JovitoMarinas, Norma Lacodia, Atty. Ange-lina May Cabrera, Atty. Renato Fer-nandez, Atty. Leonardo Lawana, Atty.Mark Navarro, GM Veronica Cardona,Joselo Cachero, Rose Marie Gamot-long and.Nanda Dimaguila. The semi-nar/forum was a success because itestablished in the proper

Page 70 rhe BBCCc COOPSERVER Aprit to rune 2010

FOR. Y Ot4R" I N FOR"MATI O N 8g.fun&enn Selde

Robert Owen and William King were considered as the fathers of the cooperative movement. It was in1826, Brightoq Great Britain that both men collaborated and shared the beliefthat poverty and the helplessnessof ordinary working people to make a living in an evolving industrial society could be solved by the concept of"cooperation".

This concept as thought ''

of by Owen required theworking classes to live,work and produce goodsfor themselves so thatthese can be exchangedwith other villages.

This was done inorder to meet theirown needs, buylands, provide workfor the rmem-ployed, providesickness benefitsamong others.

Robert Owen 11771-i 858) Dr. Wiliam King (1786-1865)

It was Dr. King who suggested that the workers must use the surpluses of their labor in order liberate themfrom the shackles ofpoverty. This is also in Consonance with the labor theory of value where capital is equal tostored labor.

The first cooperative village store was established in 1813 at the cotton mills ofNew Lanark, Scotland byOwen which sold goods of higher quality but with lower price compared to existing stores in the alea.

The Rochdale Pioneers who in 1844 likewise opened a cooperative shop on Road Lane. Rochdale, Eng-land. 28 ordinary working men calling themsilves the Rochdale Equitable Pioneers Society banded together andsold basic items like butter, flour, candles and tea. This was the start of the modern cooperative movement.

The Rochdale Pioneers developed what is known today as the 12 Rochdale Cooperative Principles:(l )Voting is by members on a dbmocratic (one member, one vote) basis. 2) Membership is open. 3) Equity is pro-vided by memben.4) Equity ownership share of individual members is limited. 5) Net income is distributed tomembers as patronage refunds on a cost basis. 6) Dividends on equity capital are limited. 7) Exchange of goodsand services at market prices. 8) Duty to educate. 9) Cash trading only. l0) No unusual risk assumption.'11) Po-litical and religious neutrality. 12) Equality in membershipReferencer:Birchall, J. 1997, The lntematbfial Co-opentive Moyemenl, Manchester,UK: Manchester University Press.Early Histqry & Robett Owen Undiscove:ed Scotland: The Ultimate Online Guide 2010, [Onlinel Available at http://

y [#.undiscoverecscotlaq,- -o.uii,'l:.]Iarkinewlanark/hisloru1.htld Prtessed 1 June 20101'The Rochdale Pioneers' n.d., [Online] Available at: htlp://www.members.cooplrochdale pioneers.aso [Accessed 1 June 20101Zeuli, K.A. and Cropp, R. 2004, Cooprr;, rves: Principles and Practices in the 21s'Century, Madison, Wisconsin: University of Wisconsin

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