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VISION:
TAPAT NA PAMAMAHALA AT MAGANDANG SERBISYO TUNGO SA MATATAG AT
MAUNLAD
NA PAMUMUHAY
MISSION:
MIYEMBRONG MAY SAPAT
NA
KAKAYAHAN AT PAGTITIWALA UPANG
MAITAGUYOD ANG MALAYANG PANANAW AT PAKIKIPAGALYANSA SA IBANG
ORGANISASYON TUNGO SA MAS MATATAG NA KINABUKASAN
GOALS:
MATATAG NA EKONOMIYA, MALINIS NA KAPALIGIRAN, MATATAG NA NEGOSYO
AT PANGKABUHAYANG NAPAGKAISAHAN NG BUONG MIYEMBROS
PARA SA
IKAUUNLAD NG ORGANISASYON AT NG KUMUNIDAD.
OBJECTIVES:
1. TAPAT AT NAGKAKAISANG MIYEMBROS PARA SA PINAGKAISAHANG
LAYUNIN
2. SAPAT NA PAGSASANAY AT KARUNUNGAN NGBAWAT MIYEMBRO PARA SA
MATATAG
NA ORGANISASYON
3. MAY PAGMAMAHAL AT WASTONG PANGANGALAGA NG KAPALIGIRAN
4. AKTIBO AT TAPAT NA OPISYALES AT MIYEMBROS
5. PAGSUPORTA SA LAHAT NG PROGRAMA AT PROYEKTO NG ORGANISASYON
6. HANDANG MAG-ARAL AT MAGSANAY PARA SA PAGPAPATUPAD NG
MAKABAGONG
TEKNOLOHIYA PARA SA MAS MAUNLAD NA KABUHAYAN
7. LALO PANG MAIANGAT ANG ANTAS NG PAMUMUHAY NG BAWAT MIYEMBRO
AT NG
KOMUNIDAD.
8. PAKIKIPAG-ALYANSA SA IBANG ORGANISASYON TUNGO SA MAS MATATAG
AT MAUNLAD NA
KINABUKASAN.
POLICIES
`I. MEMBERSHIP
A. Regular Membership
1. Qualifications
Membership to the San Mariano farmers Agripreneurs
Association is open to all bonafide residence of San Mariano,
Isabela.
Must be committed to undertake
incumbent upon the members.
Must complete the
Seminar (PMES);
prescribe
the
responsibilities
Pre-Membership
Education
3. Rights
3. Rights
To receive limited interest on capital (dividends) on his paid-up
share capital;
To receive valid reports and correct information on association
operations;
To receive and enjoy other rights which may be provided to an
associate member set forth by the General Assembly, or by the
board of Directors;
Upon considerable number of associate members, the Board of
Directors may allocate and requires to elect among themselves
their representative to the Board of Directors, and to sit as an
ex-oficio member of the Board.
4 .Privileges
To receive incentives due an associate members;
To receive quality and efficient association services without
discrimination whatsoever upon compliance with the
conditions and requirements thereof;
To apply and be granted with loan and equivalent to his paidup share capital; and
An associate members may be granted three times of his paid
capital build-up ,Provided; he will issue Post-Dated Check
equivalent to the full payment of his total obligation.
5. Limitations/Prohibitions
He cannot vote nor be voted upon to hold any position in the
Cooperative;
No patronage refund shall be due/provide to an associate
member; and
Shall not own or hold more than twenty percent (20%) of the
authorized capital of the Cooperative.
C. Forms of Separation as a Member
Resignation
Transfer or residence outside the municipal area of operation
1. Regular loan
Loanable Amount
Minimum amount equal to the members paid-up
capital
Maximum loanable amount equivalent to three
hundred percent (300%) of the paid-up capital of each
member
Terms of Payment
Six (6) months
Twelve (12) months
Eighteen (18) months
Twenty four (24) months
Charges
Terms of Payment
Loanable Amount
Charges
5. Micro-Finance
Loanable Amount
Terms of Payment
B. Deposits
Savings Deposit
(Treated similar with that of the paid-up share capital)
C. Mortuary Fund Aid
One hundred pesos (P100) is deducted from the paid-up share capital of
each member to be given as mortuary aide to a decreased member. This will
be issued to his legal beneficiary or beneficiaries or to his nearest kin; Provided
that, the person receiving the amount is equipped with an authorization from
the beneficiary/beneficiaries of the deceased member.
III. OPERATION
A. Share Capital Subscription, Credit Services and Deposits
1. Share Capital
1.1 Minimum Subscription
1.1.1 The minimum share capital subscription shall be twenty (20)
shares equivalent to ten thousand (P10,000.00) at five hundred
pesos (P500.00) par value per share payable within three (3)
months from date membership.
1.1.2 Any member who have not subscribed and paid the minimum
share capital within three (3) months shall be considered
inactive.
1.2 Fines Unpaid Subscribed Share capital
5. Loan Processing
Any member who will avail loan shall secure application from at the
association office.
Old borrowers shall secure loan slip showing the status of loan balances.
Processing and approval of loan application shall be on a first-come-first
serve basis
The application form shall be duly signed by the signatories and must be
personally filed by the applicant to the association office.
The loan shall be personally received by the member-borrower, except in
case of emergency where the authorized representative can release the loan
from the Treasurer.
6.Granting/Approval
The Credit Committee shall determine the credit status of the loan
applicant transfer.
7.Collection of Unpaid/Overdue Loans
Send three demand letters through registered mail with return card at least
three times every
after fifteen (15) days to be signed by the Legal
Officer/counsel;
Conduct personal collection by the Credit Committee (CRECOM)
If all the administrative remedies are exhausted by the association and the
member-borrower failed to settle his account, the Cooperative has the right
to seek the assistance of a legal counsel for filing of the case in court;
The paid-up share capital shall not be used to pay delinquent loan. The past
due loan shall be paid by the delinquent member-borrower. The balance shall
be collected and shall earn an interest of one and a half percent (1.5%) per
month and a surcharge of two percent (2%) per month; and
Any member who failed to pay his monthly amortization shall be charged
with two percent (2%) surcharge per month.
D. Allocation of Net Surplus and Other Benefits/Incentives
1. Net Surplus
From the annual net surplus, ten percent (10%) shall be allotted for
general reserve fund (GRF); five percent (5%) for optional fund
(OF/LBF);five percent (5%) for association education and training fund
(CETF) and one percent (1%) for loan losses fund (LLF).
The computation of dividend and patronage refund shall be based on
the result of External Audit. Seventy percent (70%) will be distributed as
cash dividend and patronage refund. Thirty percent (30%) will retained in
the association to be added to the share capital or saving of the
respective members.
In case the Cooperative will earn above thirty percent (30%) return on
investment (ROI), THE Board of Directors may decide to increase the
distribution rate of dividend and patronage refund.
Further, the patronage refund will be distributed into patronage on loan
services which is seventy percent (70%) and thirty percent (30%) for
patronage for canteen services.
No dividend shall be allocated to the decrease member even if the paidup share capital not yet withdrawn by his legal heirs.
2. Benefits/Incentives
Incentive is cash or in kind shall be distributed to qualified members.
Benefits due to delinquent member during delinquency period shall be
forfeited in favor of the Cooperative for those inactive members, forfeiture of
benefits shall be determined by the Board of Directors.
3 .Compromise Agreement
A compromise agreement is a remedy to settle the account or obligation of a
delinquent member-borrower in the following instances:
he member-borrower had failed to settle his total account or obligation when
it falls due and
demandable;
When the failure of collection on the due and demandable accounts or
obligations is due to the fault or negligence of the Cooperative officer
concerned; and
IV. ELECTION
A. Quorum
At the annual General Assembly, or Special Assembly, twenty-five
percent (25%) of the total membership in good standing who are entitled to vote
shall constitute a quorum.
B. Qualifications of a Voter
Has paid the required membership fee
Is not delinquent in the payment of his capital contributions and other
accounts;
Has not violated any provision of the Articles of Cooperation, By-Laws,
policies, rules, regulations, circulars, memoranda and other issuances of the
San Mariano farmers Agripreneurs Asociation.
Has completed the prescribed Cooperative seminar; and
Must be a member in good standing.
VI.PERSONNEL
A. Basic Policies
JOB DESCRIPTIONS
Position Title
Manager
Report To
Supervises
Position Objective
To Contribute to the growth and viability of the Cooperative
through the effective and efficient management of the day to day operation
of the Cooperative consistent with the operating policies, systems and
procedures promulgated by the Board of Directors, or the General Assembly.
Specific Tasks
A. Planning
1. Sees the preparation of annual plans and budget and submit these to
the Board of Directors for recommendation endorsement by the General
Assembly; and
2. Identifies and recommends to the Board of Directors opportunities for
expansion that will further promote the Cooperatives program and services.
B. Organizing
Position Title
Accountant
Report To
Manager
Job Purpose
To ensure orderly maintenance and update of books of
accounts, and timely submission of financial reports and analysis.
Duties and Responsibilities
1. Maintains and update General ledger (GL) of the Cooperative.
2. Keep tract/verifies all receipts and disbursements.
3. Prepares financial statements regularly.
4. Prepares annual budget and work plan on financial aspect.
5. Adheres to prescribed financial systems and procedures.
6. Gives suggestions to the Manager pertaining business operations
7. Prepares/Performs other tasks that may be assigned from time to
time by the Manager.
Standard Evaluation
Maintained and updated General Ledge
Verified official receipts and disbursement vouchers
Prepared and updated financial statements
Prepared accurate financial statements and other financial report
Prepared and submitted financial plan
Qualification
1. Must be a Bachelor of Science in Commerce, major in accounting
graduate, or a CP
2. Must be at least one year work experience related to accounting
Position Title
Report To
Bookkeeper
:
Manager