Nasaan Tayo Ngaun?

Kayo-kayo o kami-kami … Economic Instability …Poverty…

Greed, Uneducated, Dependency Syndrome, Laziness, Undisciplined life, Ignorance Lifestyle, Walang Plano para sa Future…

Saan tayo Papunta ? 2 or 3 or 5 yrs from now ?

Ikaw? Ang pamilya mo? Nasa Dios and awa,Nasa tao , ang gawa…

James Says: “ Show me your faith… but I will show my faith With ACTION “

Papaano tayo Makararating Doon?

God's Providence / ACTION… bayanihan Spirit , Synergy, Damayan, Kaagapay, spirit of volunteerism/ Cooperation/ belongingness/ Commonality - KOOPERATIBA

Acts 4:32-37The Believers Share Their Possessions All the believers were one in heart and mind. No one claimed that any of their possessions was their own

1 Thessalonians 4:11-1"... and to make it your ambition to lead a quiet life: You should mind your own business and work with your hands, just as we told you, 12 so that your daily life may win the respect of outsiders and so that you will not be dependent on anybody. "

Prov 24:27

... Prepare yourself outside, get everything ready.. before you build your house... ... Establish your business first,...ready in the field before you build your house..

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Oikos Christian Network Cooperative – The Making !

WHAT : Kooperatiba ( Oikos Christian Network Cooperative )WHO : Primarily - Pastors of Christian community in Valenzuela Secondary - Pastors and Church Members

Thirtiary - Non-christians, non-members local and globalWHERE: Valenzuela City, head officeWHEN : nov 25, at 2 pm , official from Cooperative development Authority or CDA conducted PMES or Preliminary Membership Seminar

Operation : January 2012

Status:BOD and Management Staff Officially Formed | Documentation on Process | Seed capitalization on-going |

The Vision

“To be a Vital Catalyst Towards Prosperous Local and Global Christian Community”

The Mission:

" Creating a Culture of Social Capitalism, Entrepreneurial Spirit, People Empowerment and Self-dependency,

Developmental and Transformational Breakthrough in Achieving Quality of Life”

The Motto:

“ Moving Towards Innovations and Global Competitiveness”

The Core values:

"We Uphold the Great Commission, Commitment to Responsible Poor Society, Relationship and Respect,

Integrity and Significance, Self-discipline and Stewardship, Competitiveness and Excellence"

What Is A Cooperative? As per CDA definition:

A cooperative is a duly registered association of persons with a common bond of interest, who have voluntarily joined together to achieve a lawful common social or economic end, making equitable to contribution to the capital required and accepting a fair share of the risks and benefits of the undertaking in accordance with universally accepted cooperative principle.

Now Let’s Educate Our Filipino Christian Community!!!

Origin:

Kibbutz Community – 17th-16th BC Babylonian Rule

Developed: 18th-19th century AD – England, UK, Germany

1892 – Jose Rizal in Dapitan, Zambo, Del NorteFebruary 11, 1914 became Act 2508 in RP.

With Gov. Sandiko who passed the bill , earned a title of Father of Cooperation in this country.

1930 onwards – Filipino goes to Germany ( Methodists )

1938 – Rev. Allen Huber of Church of Christ created a church-based cooperative history in Ilocos Sur.

1960 - Catholics responded to the call of the Vatican

Pentecostals ??? Where are we?

PURPOSEs: 1..

Maging financially stable ang bawat members ng Christian community local man o national o maging global para sa pag sustain ng bawat pamilya at kani-kaniyang ministry ginagampanan ng mga pastor at members nito sa pamamagitan ng pagtatag ng viable cooperative, sustainable at productive.

People Empowerment. Mapakinabangan ng bawat Christian entrepreneurs o ng bawat

mamamayan na magiging members ang malaking benipisyo ng Kooperatiba sa ating

gobyerno. Pakinabang sa kanyang socio-economic life, pag-angat ng quality of life, at

advantage for Mission ng Cooperatiba sa pamamagitan ng transformational programs

na itataguyod ng Kooperatiba sa bawat magiging members

2.

Financial Intelligence – the science of making money. Matutuklasan ng maaga ng bawat kabataan ang

kahalagahan ng pag-iimpok para sa kanyang kinabukasan, maging responsable sya sa kanyang sarili at maging independent social entrepreneur pag dating ng araw. At sa mga magulang at micro-entrepreneurs, matuklasan nila ang susi sa pag angat ng kabuhayan at

maiwasan ang mga dahilan ng kahirapan.

3.

“ Knowing the difference between assets and liabilities | understanding cashflow|! Balanced Sheet is imbalanced..

2 out 0f 10 Filipino saves – worst scenario…and at times these 2 savers use to “dipping into savings”

Income minus Tithes – Expense = Savings XXX !!!

BUT Income minus Tithes minus Savings = Expense

4.At dahil ikaw ay kasama sa kooperatiba, ang perang ma invest mo kahit maliit ay kikita ng malaki at permanente dahil lahat ng pedeng maging business income ng cooperatiba ay kabahagi ka, di tulad ng pera mo sa banko na inde ka kasama sa income ng mayari ng banko, ito ay sapagkat ikaw ang may-ari ng kooperatiba, benepisyo ng gobyerno sa lahat ng Pilipinong kooperatiba.

THEREFORE, sa unang taon ng ating existence, inde tayo magpapautang, tayo ay mag-nenegosyo!!! ... We will Create Money first, before we Borrow Money.

Prov 24:27 -Prepare yourself outside, get everything ready.. before you build your house...

The BOD| Management staff | Chairman of Committees will GO and mobilize your share caps , husbanding, chanelling and diversifying the coop's assets into productive investments for growth results.

However, my plan B is this: Should there be funds coming from governmentBanks, big cooperative lending institutions and be approved, that funds will be the source of our borrowing or micro-financing program integrated into ourCooperative long-term goals. Portions will be allocated to the missions, ministry and transformational program of the coop such as Kaagapay , where pastors and their families shall be benefited through medical insurance or hospitalizations Almost Free including Philhealth insurance subsidy.

5.At kung ikaw ay pastor, the COOP will give you an honor ... The “Kaagapay

Program” willSupport YOU.

1 Timothy 5:17, "Let the elders that rule well be counted worthy of double honor, especially they who

labor in the word and doctrine".

II. GOALS / OBJECTIVE: ( matatalakay sa Economic Survey )

a. Ang pagtatag ng Kooperatiba ay tutulong sa mga members na economically-poor to acquire loans , invest savings, earn yearly dividend as income - likas sa isang Pilipino Kooperatiba, help establish and own business, enjoy benefits , etc.

b. Ang Coop na maitatatag ay may pangunahing business na itatayo tulad ng mini-grocery stores, micro-businesses like coffee vending machines, sari-sari store , market vendors lending, computer center etc. may minimal investment lang pero less maintenance at walang hardworks, no employees and income is long-lasting. may FS tayo jan sa mga yan. We call this “ DIVERSIFY” …

( ang member ng COOP ay discounted sa Computer shop , free services like massage, free coffee, free BP, free legal counselling on-site, order goods on-site, etc.

c. Ang totoo, pede namang tayo maki member nalamang sa existing cooperatives sa ating syudad, My answer is NO, we need to use this Cooperative as an avenue to viral the gospel and disciple the community, create a change and transformational impact to our community. This COOP willwas founded by pastoral community and one of its missions is to honor all pastors and their families as stated in Kaagapay program.

d. Aking tatalakayin ang Kaagapay program once na approved ang Coop ng CDA.

But to boost the moral of the members, our “Kaagapay” will usherUs through an inhouse family insurance, death, hospitalization, Disabilities, maternity, etc.

II. PROCEDURES:

a. Itatatag ito ayun sa provision na nakasaad sa CDA

b. Kasalukuyang pina- process ang docs. Hopefully, ito ay maaprove ng January.

c. Tayo ay may sapat na kakayanan para magtagumpay dahil isa na tayong community sa ating simbahan, madali at maagap nating maitataguyod ito, madami network ng christians ang nais sumama or sumasama dito dahil ang Christian Cooperative ay may Christian touch ang opisina at day-to-day operation nito, makikinabang una na ang mga pastor at kapamilya nito, maging ang kanyang mga meimbro.

d. Bakit Consumer Cooperative ang aking suggestion? Sapakat pede tayong mag business ( sari-sari store, coffee vending machines, market vendors lending, etc ) or mag Micro-financing sa mga members ( lending goods ) . Ito ay isa sa aking expertise na pede kong maitulong sa kooperatiba at bawat kasapi nito. Pedeng magpahiram ang mga banko ng gobyerno para sa proyekto ng financing ng isang cooperatiba, o any cooperative financing institutions or any grants / donations at may maasyos po tayong Feasibility Studies dito. Sa mga programang ito - makakatulong sa bawat members na makapag loan, makapag savings, maka avail ng free family insurance at makapagtayo ng negosyo ang bawat members ng kooperatiba para sa kanyang pagpapaunlad ng buhay

E. Ang may-ari ng cooperatiba ay ang mga members nito. Kaya pag kumita ang Coop after a year, lahat ng income ng COOP ay paghahati-hatian ng bawat members accordingly. Kumita ng 5-6% per annum ang savings, kumita pa ang Share Cap mo sa LAHAT ng negosyo ng COOP

F. Upang mabilis na ma promote, maging competitive at mabilis ang paglago - we need to be locally and globally competitive, via a website that will cater christians locally and globally, they can register online, save online, borrow online using the Coop’s bank account and membership can be done online. Transactions can be off-line or on-line. Mablis ang growth kasi pedeng online registration / transaction. Kasalukuyang gumagawa na tayo ng website na may hosting service para sa financial aspect ng COOP. gagamitan ng Paypal at Credit card ang site. Ang accounting system ay online and off-line using the power of Google Docs. Updates and day-to-day operation can be visible online, updates, via e-mail, contact phones, fax, FB and blogs. Interview on membership can be done online, credit investigation and updates can be done online and real-time. We will create a Fan page, tweets integrated into the website, free legal counselling online, virtual membership, online promotion via SEO, we will position the website on the 1st page and top 1 of Google for more visibility and rapid growth.

POINTERS sa isang Kooperatiba: ( Isasama sa By Laws )

1. Ang address ng kooperatiba o opisina ay malapit sa Karuhatan Hi-way kung saan sentro ng ating Cell groups, busines meetings, banking transactions on a daily basis and accessible to people. Uupa tyo ng kahit maliit lang na may maliit na rental habang ang COOP ay start-up pa lamang. Isang opisina at doon na din ang sari-sari store pansamantala. The store’s market are those members of cooperative and the public .

2. Ang BOD ng cooperatiba , the management staff and officers ay mag sisimula ng operation ng January. The BOD shall serve for 2 yrs term or 6 yrs but not 3 consecutive terms as prescribed by the CDA Articles of Kung nais po nyo na makita ang set of officers or structures, Articles of Cooperation, By – Laws and Economic Survey at FS ng Kooperatiba, mangyari lang po na ibigay ang inyong email addresses sa amin or you can email me so I can response with attachments or text me your emails so I can send the files.

Mine is lovephileo@yahoo.com.phContact # 0949-504-9885

3. Ang membership ng kooperatiba ay maaaring 200 pesos lamang bilang new primary member . Subalit ang Share Capital ay maaaring 2,000 bawat minimum share, pede bayaran ng installment basis. Subalit ang BOD ay merong at least 3 shares. Ang bawat members ay pedeng manguha ng 4 or maraming share kung nais mong mas malaki ang investment mo or capital para malaki ang pakinabang o tubo ng iyong pera. subalit ; As per CDA rules " no member shall own or hold more than10 percent (10%) of the total subscribed share capital of the Cooperative.

4. Ang bawat members ay may optional savings component any time at any amount at itoy tutubo ng 5-6% per annum. Ang banko ay nagpapatubo ng 1% per annum. Ang micro-finance ay 3-5% per annum. Pinakamataas sa kooperatiba base sa rules and regulation ng CDA as far as i know. Subalit ito ay maaaring ma-withdraw ng members anytime .

Take Note : Tatlong klase ang savings na pedeng gawin ng COOPeratiba, isang savings na withdrawable anytime at isang savings na non-withdrawable through micro-financing at isang term deposits na pedeng mag earn ng 5-8% per month but the minimum should ne 5K. The commercial bank’s interest sa term deposits ay ranging from 3-5% per month. This non-withdrawable savings are mobilized for coop businesses and can earn interest more than the bank’s interest rate.

Take Note: Under the Cooperative Code of 2008 R.A. 9520, the deposits from members of the cooperative is not subject to the 20% withholding tax.

5. Ang Cooperative ay hindi saklaw ng Central Bank, SEC at DTI. Tayo po ay hawak lamang ng Cooperative Development Authority o CDA.

Subalit tayo ay kelangang mag file ng license sa municipyu at mag file ng business tax sa BIR sa halagang 500 pesos lamang. Definitely, tayo ay Cooperatiba kaya tayo ay tax-exempt at ang ating mga businesses na itataguyod lahat ay tax-exempt.

6. Ang konsepto ng cooperatiba ay pagtutulungan, cooperasyon, pakikisama, the word " SYNERGY " o " Social Capitalism " pagsasama ng lakas at tiwala, skills, pwersa para ma attain ang common goals, pagkakaisa na maiangat at makatulong ka sa kapwa mo may-ari ng kooperatiba.

7. Libreng serbisyo medical like BP, free legal counselling, casual massage, free cofee, discounted on computer shops, etc. Ito ay ilan lamang projection na pedeng ipatupad ng ating prospective cooperative. libreng scholar grant sa indigent studes, relief operation , feeding programs, cell group planting, at isang araw ang ating opisina o property ay ipagagamit natin ng libre sa christian communities - mga projection ng ministry ng coop. at Ang bawat member ay may Indentification Card.

8. Ang opisina ng cooperatiba ay maaaring gamitin para sa cell group meetings, at ang lahat ng kasapi ng kooperatiba ay may quarterly na pagtitipon na gaganapin para sa kanyang sama-samang fellowship at community services since this is a Christian Cooperative, may transformational or value formation content ang ating cooperatiba. Ipatutupad natin ang Mandate ng Great Commission, Matthew 28:18-19…ito ay pangungunahan ng Transformational Committee.

Sa January 2012, ang atin pong community ministry ay Community Disaster Training and Operation. Ang Values Formation Council ng PNP sa Crame under CEO Dr. Nicolas Amatorio at ang kanyang police staff ay mag conduct ng 1 day training sa atin upang sakaling dumating ang baha at sakuna, tayo na ang COOP na ang mag rescue sa tao, tayo ay pagkakalooban ng mga rubber boats, gadgets, etc.

9. Sa pagbubuo ng kooperatiba, ang lahat na nagkakaisa na may bilang na 8 founding cooperators – Sila ay nag appoint ng management staff : Gen. Manager, Sec, Trea, Auditor, at Management commitees

10. Benefits of a Cooperative: Funds can generate income and net profit shared by members every end of fiscal year. Money is secured in a bank through a Checking Account/joint account that needs at least 3 signatories.

11. Subsidies, donations, legacies, grants, aids and such other assistance from any local or foreign institution whether public or private ,raffles, fund-raising activities,

Prepared by:Ptr. cris

The final BoD Members are listed below:

Chairman of the Board: Ptr Cris MagnoV-chair:Ptr. Carling Dinglasan

Members:Ptr Rene Sebastian - vice-chair of Ethics committeePtr Rodel RoldanPtr Mike BrillonPtr Alvin BanelPtr. Jose MagkawasPtr Paul Cajucom

Management Staff and Officers:Gen. Manager :Ptr. Eman delos Angeles

Secretary:SisJane LealTreasurer:Sis. Joan FernandezAuditor :

Bookeeper:Ptr. Hernan LumawigStore Personnel/cashier:sis. Irene BrillonCollection Personnel:Sis. Leslie BanelMediation| Conciliation chairwoman:Attny. Joharah Lou PacCommunity Service Chairman:Ptr. Jing estudilloTransformational Chairperson:Ptra Del Villanueva | Ptra Lolit DinglasanEthics Committee chairman:Ptr. Art Araza