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1 Mga Nilalaman ...........................................................................2-3 .............................................4-25 ..................................................26-27 ..........................................28-30 ...................................................31-32 ...................................................33 ..................................................................34-40 ....................................41-42 .............................................................43 ....................................................................44-45 .................................46-84 ................................85-118 .....................................................119 ....................................................................120 .....................................121 ..........................................122-123 .........................................124-131 ..................................132-133 ...............................................................135-136 Mensahe Ulat ng Lupong Patnugutan Ulat ng Lupon sa Awdit Ulat ng Lupon sa Pag-utang Ulat ng Lupon sa Halalan Ulat ng Advisory Council Ulat ng Lupon sa Edukasyon at Pagsasanay Ulat ng Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL) Membership Profile Talaan ng mga Pook-Tulungan Lider 2011-2012 Audited Financial Report of SDCC Audited Financial Report of EDSD Highlights of Operation COOP PESOS Statistical Growth Trend 1961-2012 Ulat ng mga Kasaping Namatay at Benepisyong Natanggap Pamunuan ng SDCC (Constitutional & Non-Constitutional Bodies) Mga Kawani ng SDCC at EDSD Balik Tanaw Ang Pantaunang Ulat 2012 ay magkakatulong ng ginawa nina: Cielito L. Garrido, Maricris D. Bautista, Vivian C. Alcantara, Nelson D. Yeban, Jr., Noli S. Salvador, Elenita C. Sanchez, Emmy R. Salvador, Orlando F. Fabian, Jr., at Marites M. Sanchez, bilang Tagapangulo ng Pantaunang Ulat 2011.

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Page 1: Mga Nilalaman - sandionisiocredit.coop · • Pagbubukas ng mga bagong lugar bilang bahagi ng “sphere of operation” ng SDCC. Ang mga ito ay ang Ang mga ito ay ang Bgy Tambo Paranaque

1

Mga Nilalaman

...........................................................................2-3.............................................4-25

..................................................26-27..........................................28-30

...................................................31-32...................................................33

..................................................................34-40

....................................41-42.............................................................43

....................................................................44-45.................................46-84................................85-118

.....................................................119....................................................................120

.....................................121

..........................................122-123

.........................................124-131..................................132-133

...............................................................135-136

MensaheUlat ng Lupong PatnugutanUlat ng Lupon sa AwditUlat ng Lupon sa Pag-utangUlat ng Lupon sa HalalanUlat ng Advisory CouncilUlat ng Lupon sa Edukasyon at PagsasanayUlat ng Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL)Membership ProfileTalaan ng mga Pook-Tulungan Lider 2011-2012Audited Financial Report of SDCCAudited Financial Report of EDSDHighlights of OperationCOOP PESOSStatistical Growth Trend 1961-2012Ulat ng mga Kasaping Namatay at Benepisyong NatanggapPamunuan ng SDCC (Constitutional & Non-Constitutional Bodies)Mga Kawani ng SDCC at EDSDBalik Tanaw

Ang Pantaunang Ulat 2012 ay magkakatulong ng ginawa nina: Cielito L. Garrido, Maricris D. Bautista, Vivian C. Alcantara, Nelson D. Yeban, Jr., Noli S. Salvador, Elenita C. Sanchez, Emmy R. Salvador, Orlando F. Fabian, Jr., at Marites M. Sanchez, bilang Tagapangulo ng Pantaunang Ulat 2011.

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Isang malugod at taos-pusong pagbati sa lahat ng kasapi, kawani, opisyales at taga-suporta ng San Dionisio Credit Cooperative.

Sa ika-51 taon ng ating kooperatiba, sinimulan nating isakatuparan ang ilang mga proyektong nauugnay sa lima nating “Flagship Programs”, na siya namang sumusuporta sa ating bagong vision o pananaw.

Sa ilalim ng “Account Management or Member Relationship Management Program”, kasalukuyang itinatayo ang ating satellite office sa Sucat Avenue, upang lalong mailapit ang ating kooperatiba sa mga kasapi natin sa Sucat area at sa timog na bahagi ng ating nasasakupan. Nagbukas din tayo ng mga “modest extension offices” sa ilang lugar sa Paranaque at Las Pinas.

Sa ilalim ng “Leadership Succession Program”, na-identify natin ang mga potensyal na lider na maaaring humalili sa kasalukuyang pamunuan balang araw. Bukod dito, ang mga komite sa lebel ng Board ay ni-replicate natin sa lahat ng lebel, hanggang sa lebel ng bawat Pook-Tulungan.

Sa ilalim ng “Competency-based Education Program”, tuloy-tuloy na sinasanay natin ang mga na-identify na potensyal na lider. Ang lahat ng kasapi ay binigyan din natin ng kaukulang pagsasanay sa “Financial Literacy” sa nakaraang serye ng mga Pook-Tulungan meetings. Ang susunod na serye ay tungkol naman sa “Values Re-orientation”.

Sa ilalim ng “Strategic Alliance Program”, lalo nating pinaigting ang ating pakikipag-ugnayan sa ibang kooperatiba at ibang samahan sa loob at labas ng ating kilusan. Partikular tayong nakilahok sa mga gawaing may kinalaman sa pagdiriwang ng “International Year of Cooperatives”.

Sa ilalim ng “Branding or Cooperative Identity Program”, inilunsad natin ang tatak na WISE MENTOR para sa SDCC, at binuo natin ang unang batch ng ating mga WISE MENTOR’s.

Ang lahat ng proyektong ito, at iba pa, ay nagtulong-tulong upang makamit natin ang mas malaking “Net Surplus” at nagbigay ng pagkakataon upang mas lalong makapagsilbi ang kooperatiba sa ating mga kasapi.

Sa gabay at patnubay ng Poong Maykapal, patuloy nating palalakasin ang mga nabanggit na “Flagship Programs”.Nakatuon lagi tayo sa pagpapaunlad ng ating mga kasapi at ng mga komunidad na ating ginagalawan, sa lahat ng aspeto ng buhay at pamumuhay. Ang lahat ng ito ay para sa kapakinabangan ng bawat kasapi, na siyang nagma-may ari ng San Dionisio Credit Cooperative.

Naniniwala akong pagpapalain tayo ng Poong Maykapal.

GARIBALDI O. LEONARDO, Ph.D. Tagapangulo

Mensahe

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MensaheIsang maligayang pagbati sa lahat ng bumubuo ng San

Dionisio Credit Cooperative (SDCC), mga opisyales, kawani at mga kasapi.

Malaking karangalan na muling makapag-ulat sa mahigit na labinlimang libong (15,000) kasapi at kamay-ari ng ating kooperatiba.

Ang 2012 ay masasabi nating isang matagumpay na taon muli sa SDCC. Makikita yan sa aspetong pampinansiyal

(financial aspect) at sosyal (social aspect).

Ang aspetong pampinansiyal (financial aspect) ay makikita sa patuloy na paglaki ng ating ari-arian (total assets) sa halagang P870 M mula sa P768 M noong 2011, savings at time deposit na P490 M mula sa P454 M, share capital na P247 M mula sa P233 M at linis na kita (net surplus) na P29.54 M mula sa P27.04 M. Isama pa diyan ang pagbaba ng portfolio at risk (PAR) sa 23.81% mula 26.42%. Samantalang ang aspetong sosyal ay ang mga gawaing inilunsad natin sa 2012 para sa kapakinabangan hindi lamang ng mga kasapi, bagkos ay para komunidad rin sa kabuuan, gaya ng medical and dental mission, feeding program, libreng seminar, livelihood assistance, libreng buwanang medical check-up, pakikilahok sa mga gawaing may kinalaman sa pang-komunidad (community), pangkalikasan (environmental), gayun din ang pang-espiritual (spiritual).

Ang mga bagay na ito ay pagpapatunay na patuloy nating binabalanse ang pampinansiyal at sosyal na aspeto ng ating pamamahala. Ang mga tagumpay na pampinansiyal ay resulta lamang ng mataas nating pagpapahalaga sa mga kasapi sa pamamagitan ng patuloy na pagbibigay ng mga serbisyong makakatugon sa pangangailangan.

Ang mga gawain din nating ito, na simula pa 1961 ay isinasagawa na ng ating mga nagsipagsimula (Founders) ng SDCC, ay nakakatugon sa direksiyon ng International Cooperative Alliance (ICA) na dapat pinahahalagahan ng mga kooperatiba sa buong mundo – ang triple bottom line: economic, social and environmental.

Kaya’t ang ating tema na “Palawakin: Pagmamahalan, Kalikasan, Kasaganaan at Kapayapaan” ay isang magandang gabay sa ating lahat para na susunod pang mga taon.

Umaasa tayo na sa pagkakaisa at pagtutulungan nating lahat na mga kamay-ari ng ating mahal na kooperatiba, sa ilalim ng patnubay ng Poong Maykapal, ay patuloy nating aanihin ang tagumpay.

Muli, Maraming Salamat at Mabuhay ang San Dionisio Credit Cooperative!!

CIELITO L. GARRIDO Chief Executive Officer

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Lup

ong

Pat

nugu

tan

ULAT NG LUPONG PATNUGUTAN

Isang mapagpala at taos-pusong pagbati sa lahat ng kasapi, kawani, opisyales at mga sumusuporta sa San Dionisio Credit Cooperative (SDCC).

Napataon sa pagdiriwang ng “2012: International Year of Cooperatives“ - at sa tulong ng iba pa nating mga opisyales, kasama ang ating mga kawani at mga kasapi - maraming proyekto ang naisakatuparan ng inyong Lupong Patnugutan, na nauugnay sa lima nating “Flagship Programs”. Ang limang “Flagship Programs” na ito ay siya namang sumusuporta sa ating bagong pananaw (vision).

Para sa naturang taon, nakapagsagawa ang inyong Lupon ng 12 regular na pagpupulong at 12 espesyal na pulong. Ang mga napagkasunduan at naaksiyunan sa mga pagpupulong ay matutunghayan sa talaan ng mga board resolutions.

Narito ang ilan sa mga proyektong naisagawa alinsunod sa mga pinagtibay na “Flagship Programs :”

1. Account Management/Member Relationship Management Program

• Kasalukuyang itinatayo ang kaunaunahan nating satellite office sa Sucat Road. Ito ay upang lalong mailapit ang mga serbisyo ng kooperatiba sa ating mga kasapi.

• Pagbubukas ng mga bagong lugar bilang bahagi ng “sphere of operation” ng SDCC. Ang mga ito ay ang Bgy Tambo Paranaque City, Bgy Moonwalk Paranaque City, Ilang-ilang at Sampaguita Bgy Marcelo Green Paranaque City, Ipil Site/Target/Clinicville Bgy BF Paranaque City, Masville Paranaque City at Bgy Manuyo Uno Las Pinas City.

• May mga “modest extension offices” din sa Bgy. Manuyo Uno Las Pinas City, Bgy Moonwalk Paranaque City at Ipil Site/Clinicville na kasalukuyang nagbibigay ng serbisyo sa mga kasapi o mga nais maging kasapi mula sa mga naturang lugar.

• SDCC bilang member ng CODIS (Cooperative Deposit Insurance System). Ito ay upang masiguro ang katatagan ng pamamahala ng kooperatiba sa pamamagitan ng pagpapatupad ng mga standard ng CODIS.

• Pagkakaroon ng Risk Management Plan. Nakatuon ang Risk Management Plan na ito sa paghahanda para sa mga maaaring dumating na balakid na makakaapekto sa katatagan at maayos na pagpapatakbo ng SDCC.

2. Competency-based Education Program

• Patuloy na pagsasanay sa mga opisyales, kawani at Pook Tulungan Lider upang madagdagan ang kaalaman ng bawat isa para sa pagsasakatuparan ng kani-kanilang gawain.

• Patuloy na pagsasanay sa mga kasapi na isinasagawa sa serye ng mga pagpupulong ng mga pook tulungan.Ito ay sinimulan sa pagbibigay ng pagsasanay hinggil sa “Financial Literacy.”

3. Council of Leaders & Career Development (Leadership Succession Program)

• Paghahanda sa mga bagong lider na maaaring humalili sa kasalukuyang pamunuan balang araw. Ito ay sa pamamagitan ng pagbibigay sa kanila ng kaukulang pagsasanay.

• Pagtatalaga ng mga katumbas na komite sa lebel ng Board sa mga pook tulungan at district councils. Ang layunin nito ay unti-unting maihanda ang mga kasapi na maging Pook Tulungan Lider at ang mga Pook Tulungan Lider naman ay maging opisyales sa iba’t-ibang komite at maging ng Lupong Patnugutan sa hinaharap. Layunin din nito na mas madaling padaluyin ang pag-agos ng mga datos, impormasyon at panukala mula sa lebel ng mga pook-tulungan at gayun din ang pag-agos ng mga kabuuang direksyon, plano at programa mula sa lebel ng Lupon.

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Lupong P

atnugutan4. Strategic Alliance

Pagpapaigting ng pakikipag-ugnayan sa iba’t-ibang kooperatiba at organisasyon upang maisagawa natin ang mga “Flagship Programs.” Ang mga bagong ugnayang nabuo sa naturang taon ay sa:

• St. Mary’s University at Polytechnic University of the Philippines (PUP) – makabuo ng programang makakatulong sa mga opisyales at kawani na makakuha o matapos ang kanilang Masteral o College degree.

• NATCCO Consultancy Group – suriin ang mga polisiyang nauugnay sa Account Management System upang mas higit na matugunan ang pangangailangan ng mga kasapi at kooperatiba, sa kabuuan.

• Metrobank - pakikipagtulungan nito sa SDCC upang maibigay natin sa mga kasapi ang serbisyo ng ATM.

5. Brand Creation and Development Program

• Tuluyan nang nailunsad ang opisyal na SDCC Brand o Cooperative Identity – ang WISE MENTOR Naisagawa na rin ang pagkilala sa unang hanay ng mga WISE MENTOR, batay sa grading system na binuo para dito.

Ang lahat ng mga proyektong isinagawa ay nakatulong sa patuloy na pagdami ng kasapian , paglaki ng ari-arian, kasama na ang savings deposit, share capital at net surplus, at higit sa lahat ay pagbuo ng mga bago o pagpapalakas pa ng kasalukuyang mga serbisyo para paunlarin ang pamumuhay ng mga kasapi. Ang mga proyektong nabanggit ay nakatulong rin upang ang SDCC ay patuloy na maging katangi-tanging kooperatiba sa Pilipinas.

Sa gabay at patnubay ng Poong Maykapal, patuloy nating palalakasin ang mga nabanggit na “Flagship Programs. “ Nakatuon lagi tayo sa pagpapaunlad ng ating mga kasapi at ng mga komunidad na ating ginagalawan; sa lahat ng aspeto ng buhay (Political, Environmental, Socio-cultural & Spiritual, Technical, Economic, Legal).

Muli, sa ngalan ng lahat ng direktor na bumubuo ng Lupong Patnugutan, ang taos-puso naming pasasalamat sa inyong lahat.

Mabuhay ang San Dionisio Credit Cooperative!!

GARIBALDI O. LEONARDO, Ph.D. Tagapangulo

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Exe

cutiv

e Com

mitt

ee/R

isk

Man

agem

ent C

omm

ittee

ULAT NG EXECUTIVE COMMITTEE

Malugod na pagbati sa lahat ng mga kasapi, opisyales at kawani.

Isang karangalan para sa Executive Committee na maatasan ng Lupong Patnugutan na siyang magsagawa ng pag-aaral at paghahanda sa pagtatayo ng kauna-unahang Satellite Office ng San Dionisio Credit Cooperative (SDCC).

Kasalukuyang itinatayo ang gusali na matatagpuan sa Dr. A. Santos Avenue, Paranaque City. Ang may-ari ng lupa ang siyang nagpapagawa ng gusali at ito ay uupahan (long term lease) ng SDCC sa loob ng sampung (10) taon. Ang pagsasaayos ng interior ng gusali, kasama na ang ikalawang palapag, electrical at plumbing - upang ito ay umayon sa pangangailangan ng ating kooperatiba, ay ang SDCC ang magsasagawa.

Taong 2012 inumpisahan ang pagpili ng lugar sa kahabaan ng Dr. A. Santos Avenue kung saan maaaring magkaroon ng Satellite Office – lugar na magiging mas madali sa mga kasapi na puntahan. Matapos makapili at pagtibayin ng Lupong Patnugutan, inalam din ng komite ang mga maaaring maging balakid (risk planning) upang maging batayan ng Tagapangasiwa sa kanilang pagpaplano sa operasyon.Kasama rin sa paghahanda ang pagkakaroon ng “Invitation to Bid” para sa mga Contractor (General Contractor, Electrical at Plumbing Contractor). Ito ay pinaskil sa ating kooperatiba. Kasunod nito ay ang “Pre Bid Conference” sa mga Contractor na nag sumite ng mga dokumento at kwalipikado sa criteria na itinalaga ng komite. . Ito ay gagawin sa 2013, pati na rin ang pagpili ng mga Contractor.

Inaasahan na ang “turn-over” ng Lessor sa SDCC ng gusali ay sa buwan ng Marso 2013 at pagsasaayos naman ng SDCC nito ay tatagal sa loob ng tatlong (3) buwan. Inaasahang ang Satellite Office ay maaari ng magserbisyo sa mga kasapi bago o sa buwan ng Hulyo 2013.

Ang inyong lingkod, kasama ang lahat ng kagawad ng Executive Committee, ay nagpapasalamat sa lahat ng suporta na inyong ibinigay sa amin.

Kami ay nakakatiyak na ngayon at sa darating pang taon ay isa tayo sa layunin na maging matagumpay ang ating kauna-unahang Satellite Office.

Patnubayan nawa tayo ng Poong Maykapal.

Mabuhay ang San Dionisio Credit Cooperative!!

Engr. RAYMOND JOSEPH L. SALVADOR Tagapangulo, Executive Committee

ULAT NG RISK MANAGEMENT COMMITTEE

Ang pagbuo ng Risk Management Committee ay isinumite sa at pinagtibay ng Lupong Patnugutan noong Hulyo 19, 2012 sa layuning mapaghandaan ang mga nakaabang na panganib sa bawat proyekto at araw-araw na operasyon ng ating Koop at upang makatugon sa pangangailangan ng Coooperative Deposit Insurance System (CODIS) na kung saan nakaseguro ang mga deposito ng mga kasapi ng SDCC. Ang mga nahirang na gumanap sa tungkulin ng komite ay sina:

Danilo N. Pilar, Ph.D - TagapanguloCielito L. Garrido, MBA - MiyembroEngr. Raymond Joseph L. Salvador MiyembroRosalina G. Sapungan - MiyembroZenaida A. Alcantara, CPA - Miyembro

Bilang unang hakbang, kami ay nagsagawa ng isang Seminar-Workshop on Risk Management noong Oktubre 20, 2012 para sa lahat ng mga opisyales - constitutional at non-constitutional bodies - kasama ang ilang piling kawani. Ang lecture ay sinundan ng Risk Identification workshop bilang kabuuan ng nasabing pagsasanay. Nauna rito, ang mga kawani ay nagkaroon din ng ganitong pagsasanay at proseso noong nakaraang Hunyo 23, 2012.

Para sa pagbuo ng Risk Management Plan ng ating Koop, nagkaroon ng pagpupulong ang bawat Chairperson at mga Department Managers noong Nobyembre 10, 2012 upang isagawa ang tinatawag na Risk Analysis at Risk Evaluation base sa naunang talaan ng natukoy na mga risk o panganib. Ang Management Level ay nagkaroon ng maliliit na pulong simula ika-19 hanggang 29 ng Nobyembre ng taong kasalukuyan para sa pagtukoy naman ng kaugnay na Risk Treatment sa kabuuang panganib na kinakaharap ng Koop.

Sa matiyagang pagtutulungan ng Risk Management Committee at SDCC management, kami ay nakabuo ng Risk Management Plan (RMP) na kung saan inilalarawan ang kahalagahan ng paghahanda sa risk at ang mga detalyadong aktibidad para sa epektibong proseso ng risk management sa ating Koop. Ang ating kaunaunahang RMP ay pinagtibay ng Lupong Patnugutan noong Disyembre 20, 2012.

Isinagawa ni Bb. Cielito L. Garrido, CEO ng SDCC, ang Risk Management Orientation sa mga kawani noong Disyembre 27, 2012. Ipinaliwanag niya ang kahalagahan ng Risk Management Plan at ang mga paghahanda na kailangan ng ating Koop sa panahon na dumating ang mga panganib na una na nating natukoy at gayundin ang mga dagdag panganib na maaring kaharapin pa ng SDCC.

Kami ay kaagapay ng Lupong Patnugutan upang mapaghandaan ang mga panganib na haharapin ng ating Koop. Maraming salamat sa inyong pagtitiwala at hangad namin na patuloy tayong gabayan ng ating Poong Maykapal para sa lalo pang matatag at maunlad na Koop. Para sa Lupon ng Risk

DANILO N. PILAR, Ph.D. Tagapangulo

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7. Julieta R. Dimaranan8. Romeo T. Espartinez, Jr.9. Jean T. Espin10. Alfonsa F. Faustino11. Lauro S. Gabriel12. Lilia L. Garcia13. Lorena R. Gatmen14. Lany O. Lim15. Herminia P. Mabalot16. Constancia P. Magsino17. Emilia A. Manzano18. Maria Cristina A. Manzano19. Herminia S. Manlangit20. Ma. Paz B. Meneses21. Nelda H. Naval22. Maria Corazon D. Peras23. Gemma D. Pijuan24. Maria Teresa R. Pura25. Anita B. Santiago26. Olivia M. Santos27. Desirie P. Tan28. Ruby P. Ubaldo29. Rosie O. Vargas30. Isabel M. Zara

3. VENUE FOR RENTAL

Patuloy pa ring bukas ang ating opisina sa pakikipag-ugnayan sa mga kasaping gustong umarkila sa mga venue batay sa kanilang pangangailangan. Mayroon tayong function room na pwedeng pagdausan ng mga okasyon tulad ng malakihang pagtitipon (SDCC 3rd Floor), mayroon din para sa mga maliliit lamang gaya ng mga meetings at conferences (SDCC 2nd Floor Rms A B & C) at basketball court na pwedeng paglaruan at pwede ring pagdausan ng malakihang okasyon tulad ng kasal, reunion o iba pa.

Isa din sa pinag-aralan ng CBD ang pagkakaroon ng rental space sa bubuksang satellite office ng ating kooperatiba sa may Sucat Area.

4. BALAKIN PARA SA TAONG 2013

Para sa taong 2013 ang mga programa ng CBD ay naka focus sa apat malalaking proyekto. Ito ay ang mga sumusunod:

1. Supply Chain2. Franchising3. Sub-leasing ng Satellite Office4. Livelihood Training

Maraming salamat sa inyong patuloy na

pagtangkilik at suporta sa ating kooperatiba.

Mabuhay tayong lahat.

PARA SA COMMITTEE ON BUSINESS DEVELOPMENT

JOSEPHINE B. BALANATagapangulo

Com

mittee on B

usiness Developm

entULAT NG COMMITTEE ON BUSINESS

DEVELOPMENT

Isa sa mahalagang gawain ng Lupon ay ang gumawa ng mga pag-aaral na makakatulong sa pagbubukas ng mga bagong proyekto na magbibigay ng dagdag kita sa ating kooperatiba at mga kasapi.

Ang Committee on Business Development ay nakapagsagawa ng mga sumusuond na programa/proyekto sa 2012. Ito ay ang mga sumusunod:

1. SOCIAL ENTERPRISE

May mga kasaping may negosyo ang na-accredit natin sa Social Enterprise. Layunin ng proyektong ito na tulungan at ipakilala sa mga kasapi ang ating mga entrepreneurial members. Alinsunod dito, nagbibigay naman sila ng special discount o promo sa mga kasaping tumatangkilik sa kanila. Inyong matutunghayan sa ibaba ang mga negosyo na kabilang sa ating Social Enterprise:

• Fermin Beauty Parlor• Syspro Computer Shop• Salvador Dental Clinic• Matibag Bakery• Cundangan Eatery• Joey Lopez General Merchandise

2. LIVELIHOOD Project from the Priority Development Assistance Fund of Honorable Congressman Jose Ping-ay.

Ang ating kooperatiba ay pinagkalooban ng pondo na nagkakahalaga ng isang (1) daang libong piso mula sa Priority Development Assistance Fund ni Honorable Congressman Jose Ping-ay. Ito ay inilaan sa pagsasagawa ng isang Livelihood project sa mga kasapi.

Ang nasabing Livelihood Project ay sinimulan noong November 28, 2012, kung saan ang lahat ng mga kasapi na napabilang dito ay dumaan sa isang (1) araw na Seminar sa “Business Orientation at Values Formation”.

Proseso ng pagpili ng mga beneficiary:

1. Kailangan ay kasapi ng SDCC na gustong magkaroon ng dagdag na pagkakakitaan.

2. Nais dumalo ng mga seminars at trainings.3. Nais dumalo ng buwanang meeting at

pumirma ng commitment of undertaking na maibabalik ang puhunan sa SDCC.

4. Mayroon o walang negosyo.

Mayroong 30 kasapi ang naging beneficiaries ng nasabing proyekto. Sila ay ang mga sumusunod:

1. Mary Ann V. Abino2. Rosie A. Arandez3. Nenaliza B. Austria4. Susan E. Bacani5. Ma. Narcisa M. Conche6. Ma. Victoria J. Cresencio

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Com

mitt

ee on

Fin

ancia

l Sta

bilit

yULAT NG COMMITTEE ON FINANCIAL

STABILITY

Savings Mobilization and Capital Build-Up

Ang patuloy na paglaki at pag-unlad ng ating kooperatiba ay dahil sa sama-samang pagtangkilik at pakikiisa ng mga kasapi sa mga proyektong ipinapatupad nito kasama na rin ang pagpapatupad ng plans and programs para sa taong 2012, katulad ng alkansya ko sa koop, paluwagan, retention to share capital, retention to savings deposit at Sinag Deposit.

Ang “alkansya ko sa koop” ay simpleng pag-iimpok sa pamamagitan ng mga barya-barya na kapag naipon ay malaking tulong ang nagawa sa mga kasapi upang lumaki ang kanilang deposito sa savings at share capital. At dahil din sa alkansya ay nakakapag-ipon din ang mga kasapi ng pang-bayad sa kanilang loan at utility bill. Ang layunin ng proyektong ito ay upang maturuan ang mga kasapi ng wastong pagtitipid at pag-iimpok. Ang deposito na nalikom para sa 2012 na nanggaling sa alkansya ay may kabuuang halaga na P2.57M. Ang paluwagan naman ay pag-iimpok pa rin na kung saan makukuha lamang ng mga kasapi ang kanilang naipong savings deposit sa itinakda nilang panahon. Umabot sa P 0.616M ang nadagdag sa koop paluwagan sa 2012.

Ang retention sa savings deposits ay patuloy pa rin na ipinapapatupad, ito ay 2% ng inutang ng kasapi at idinadagdag sa savings deposit. Ang kabuuang naidagdag nito sa savings ay P9.76M, samantalang ang retention sa share capital naman ay 5% ng inutang ng kasapi at idinadagdag sa share capital kung ang share capital ay mababa sa P15,000 at P200 ang retention kung higit na sa P15,000 ang share capital at ang kabuuang halaga na naidagdag nito sa share capital ay P6.72M.

Patuloy pa rin ang pagpapadala ng sulat sa mga kasapi na may kulang pa sa Share Capital upang paalalahanan at ipaalam na rin ang karampatang halaga na dapat nilang idagdag sa kanilang Share Capital.

Ang level payment ay ang halagang P50 na idinedeposito sa savings deposit ng kasapi kada buwan kasabay ng kanilang pagbabayad sa loan. Sa pamamagitan nito, nagkakaroon ng dagdag na savings ang mga kasapi. Ang kabuuang halaga nito ay umabot ng P6.12M para sa 2012.

Ang Sinag Deposit (Special Time Deposit) na

inilunsad noong 2011 sa panahon ng pagdiriwang ng ika-50 taong anibersaryo ay patuloy pa rin ang paglaki dahil sa mga kasaping patuloy pa rin ang pagdedeposito. Sa ngayon ito ay umabot na sa halagang P123.22M. Ang interest rate nito ay bahagyang mataas sa ating Regular Time Deposit ngunit parehong walang binabawas na withholding tax. Kaya’t buong-buo na nakukuha ng mga kasapi ang tinubo ng kanilang time deposit, ito man ay Special o Regular time deposit. Ang interest rate ng ating time deposit ay nananatiling mas mataas sa interest rate ng mga bangko.

Malaking tulong ang naibibigay ng mga proyektong nabanggit upang patuloy na maging matatag ang pananalapi ng ating kooperatiba.

Noong nakaraang Hulyo, sa selebrasyon ng anibersaryo ng kooperatiba, inilunsad ng ating koop ang paycard, sa pakikipagtulungan sa Metrobank na isa sa ating mga depository bank. Ang layunin ng paycard ay upang matugunan ang kahilingan ng mga kasapi na nagnanais ng atm card at mabigyan ng bagong produkto ang ating mga kasapi. Ito ay paraan upang mapabilis ang serbisyo ng ating kooperatiba. Maaring magwithdraw sa kahit anong Automated Teller Machines (ATM) ang sinumang kasapi na may paycard lalo na sa panahon na ating kooperatiba ay nakasara pa o tapos na ang banking hour o tuwing weekend. Mayroon na ring itinayong ATM sa harap ng gusali ng ating kooperatiba upang mas maginhawa sa mga kasaping gustong gumamit ng kanilang paycard.

Patuloy na pinag-aaralan ng Committee on Financial Stability ang mga pamamaraan upang patuloy na lumaki ang ari-arian (assets) ng ating kooperatiba.

Loan Delinquency at Loan Portfolio

Ang 2012 ay isang makabuluhang taon di lamang sa pagdiriwang ng ating unang taon matapos ang ating 5 dekadang serbisyo, kundi napakalaking hamon para sa lahat dahil dalawang taon na ang ating bagong sistema - ang Account Management System.

Sa pagtatapos ng 2012, bahagyang bumaba ang ating Portfolio at Risk (PAR) mula sa P170,723,479.26 o 27.33% sa 2011, ito ay P157,044,835.58 o 24.39%, bumaba ng P13,678,643.68 o 2.94%.

Ang mataas na Portfolio at Risk (PAR) ay suliranin di lamang ng mga kooperatiba kundi mga bangko at pinansiyal na institusyon rin. Kaya tinutukan ng Committee on Financial Stability (CFS), Task Force

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Com

mittee on O

rganizational Strength

Morning, Lupong Patnugutan at mga kawani ang mga programa na may kinalaman sa pagpapababa ng ating Portfolio at Risk (PAR) gaya ng mga sumusunod:

1. Patuloy na pagpapadala sa mga kasapi ng mga collection notices gaya ng paalala, first notice, second notice, first demand letter, second demand letter at statement of account.

2. Pagsasagawa ng Supervised Credit ng ating Credit Committee upang bigyan ng payo ang mga kasapi para maisaayos ang kanilang account at matiyak na ang halagang inutang ay ginamit sa loan purpose.

3. Araw-araw na pagmomonitor ng ating mga Account Officer sa mga kasaping may delingkwenteng account sa pamamagitan ng pagbisita sa bahay ng mga kasapi upang alamin ang kanilang estado sa buhay at makatulong sa pag-gawa ng solusyon para maisaayos ang kanilang account sa lalong madaling panahon.

4. Patuloy na pag-aaral ng Task Force Morning (TFM) sa mga umiiral na polisiya sa pag-utang at pangongolekta upang lalong maging akma ito sa pangkasalukuyang pangangailangan ng mga kasapi.

5. Pag-alis sa libro ng mga kasaping may utang sa kondisyong wala na silang kapasidad na makapagbayad ng kanilang utang sa pangkasalukuyan at ng mga kasaping hindi na matukoy ang tirahan. Ngunit may pasubali na kokolektahin pa rin kung may sapat ng kakayahan ang isang kasapi na makapagbayad ng kanyang obligasyon sa hinaharap.

6. Pag file ng kaso sa Small Claim Court, para sa mga kasaping may delingkwenteng utang na may halagang P100,000 pababa. Sa kasalukuyan, labingpito (17) kasapi ang nasampahan na ng kaso at ito ay may desisyon na at kagaya ng inaasahan, ang desisyon ay pabor sa kooperatiba.

7. Para sa delingkwenteng utang naman na may halagang mahigit sa P100,000 patuloy itong sinasampahan ng kaso sa mababang korte (lower court)

PARA SA COMMITTEE ON FINANCIAL STABILITY

JOSEPHINE C. HERRERATagapangulo

ULAT NG COMMITTEE ON ORGANIZATIONAL STRENGTH

Kinapapalooban ng lupong ito ang pagpapalakas ng ating organisasyon sa kabuuan sakop nito ang pagpapalakas ng kasapian, pagpapalakas ng Pook Tulungan at pagpapalakas ng mga opisyales at mga kawani.

Sa tatlong sangay na ito, may kanya-kanyang mga pamamaraan at suliranin kung paano natin ito mapapalakas.

Sa pagpapalakas ng kasapian, tinitignan natin ang bilang ng mga kasapi kumpara sa kabuaang bilang ng voting population at ang impact ng kooperatiba sa buong kasapian at komunidad.

May mga paunang pag-aaral na ginawa ang inyong lupon tungkol sa edad ng pagtanggap sa ating kooperatiba, at iba pang mga bagay- bagay kung bakit hindi pa nahihikayat na sumali ang iba sa ating kooperatiba. Maaaring sa mga susunod na buwan ay makapagrekominda ang inyong lupon tungkol dito.

Nakapaloob na sa ating by-laws ang straktura ng ating Pook Tulungan, ang mga tungkulin ng Pook Tulungan, mga lider at mga kasapi. Sinalin ng inyong lupon sa tagalog ang mga tungkuling nabanggit upang lubos itong maunawaan ng ating mga kasapi. Makakatulong din sa ating samahan ang pagbuo ng Membership Information System na binuo naman ng Management Information Committee. Dahil dito napapaloob ang mga sistema at mga pamamaraan upang kumilos ng maayos ang Pook Tulungan.

Sa 2013, inilalaan ang taong ito sa pagpapalaganap ng bagong konsepto ng ating Pook Tulungan. Uunahin ang mga pook tulungan- lider, bago ang buong kasapian. Sa 2014 ay ipapatupad ang naturang sistema. Samantalang ang 2012 ay inilaan sa pag aaral at pag-uusap ng lahat ng management body sa bagong sistemang ito.

Sa pagpapalakas naman ng ating opisyales at kawani, sinisikap ng lupon, kasama ang Lupon sa Halalan at Lupon sa Edukasyon at Pagsasanay, sa tulong ng consultant, na mailatag at mapaghandaan ang mga bagay- bagay na makakapagpalakas sa ating mga kawani at opisyales, gaya ng edukasyon at iba pa.

Sa ngalan ng Committee on Organizational Strength, kami ay lubos na nagpapasalamat sa pagbibigay ninyo sa amin ng pagkakataon na makapaglingkod sa ating samahan.

Nawa ay gabayan tayo ng Poong Maykapal sa susunod pang mga taon

PARA SA COMMITTEE ON ORGANIZATIONAL STRENGTH

EVELYN R. LUCHING

Tagapangulo

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ULAT NG COMMITTEE ON SOCIAL SERVICES

Ang nagdaang 2012 ay inilaan ng inyong lupon upang mabigyan ng solusyon ang housing project 3. Malinaw ang layunin ng ating kooperatiba sa proyektong ito. Subalit may mga bagay-bagay o pangyayari na hindi kontrolado ng inyong lupon at ng ating kooperatiba na nakakaapekto sa ating mga proyekto. Masusing pag-aaral ang ginawa ng iyong lupon kung paano maibababa ang halaga ng ating pabahay upang ang makakabili nito ay yaong may mga pangangailangan. Nagkaroon din tayo ng mga pakikipag-ugnayan sa ibat-ibang ahensya ng gobyerno at pribado, ngunit wala rin tayong nakitang makakatulong sa ating suliranin. Binigyan din natin ng pagkakataon ang ating mga kasaping taga Silverio Compound na maging bahagi ng maaaring makabili ng ating proyektong pabahay, ngunit sa huli ay wala rin tayong nakitang solusyon. Kung kayat inirekominda ng inyong lupon sa ating Lupong Patnugutan na ipa-raffle na ang ating 20 units na house and lot. Noong Disyembre 8, 2012 ginanap ang unang raffle sa pabahay, ang nagwagi ay isa nating kasapi na si Gng. Katherine Pascual. Ang natitirang 19 na unit ay ipaparaffle sa susunod na taon (2013). Nawa ay patuloy nating suportahan ang proyektong ito sa pamamagitan ng pagbili o pag- alok ng raffle ticket.

Patuloy din ang pakikipagtie-up natin sa iba’t-ibang kasapi na mayroong kaugnayan sa mga serbisyong medical at dental. Ganoon din sa mga funeral service ng Guevarra at Holy Trinity. Patuloy ang pakikipag-ugnayan upang ma-upgrade ang mga nasabing serbisyo. Ang pagbibigay ng assistance sa pagproseso ng senior citizen identification card ay isa rin sa serbisyo na naisagawa ng komite.

Isa sa napaaprubahan ng lupon ay ang muling pagbubukas at pagtanggap na hindi pa kabilang sa ating Planong Damayan. Nagkaroon din ng pag-aaral sa muling pagbubukas ng Lifetime Membership para sa ating Planong Damayan, subalit sadyang napakataas ang magiging premium nito at magkakaroon ng karagdagan tuwing ikalawang taon. Kaya’t minabuti ng komite na masusi pa itong pag-aralan.

Umaasa kami sa inyong suporta at pagbahagi ng inyong nalalaman upang higit na maitaas ang antas ng ating mga serbisyo at madagdagan pa ito.

Kami sa Committee on Social Services ay lubos na nagpapasalamat sa inyong lahat sa pagbibigay sa amin ng pagkakataon upang makapaglingkod sa ating minamahal na kooperatiba. Patuloy nawa tayong gabayan ng Poong Maykapal.

PARA SA COMMITTEE ON SOCIAL SERVICES

APOLONIO “CESAR” M. MENDOZA, JR.

Tagapangulo

ULAT NG COMMITTEE ON MANAGEMENT INFORMATION

SYSTEM (MIS)

Ang MIS Komite ay patuloy na gumaganap ng kanyang tungkulin bilang katulong ng Lupong Patnugutan sa paggawa ng mga stratehiya at pagbibigay gabay sa trabaho ng Departamento ng MIS, na siyang naatasang gumawa ng information system ng SDCC.

Sa taong 2012, ang Komite ay nakapagdaos ng 28 pulong, ilan sa mga pulong na ito ay nakasama ang iba pang unit ng organisasyon na nagkaron ng malaking ambag sa pamamagitan ng palitan ng ideya at pagbibigay ng mga suhestiyon patungkol sa Membership System.

Upang makapagbigay ng tamang gabay ay minarapat ng komite na muling bigyang pansin ang ulat sa Membership System na kinapapalooban ng tatlong sistema at ito ay:

1. “Recruitment”, 2. “Member Development” at

3. “Pook-Tulungan” na isinumite at inaprubahan ng Lupong Patnugutan noong Disyembre 10, 2010. Nakasaad sa ulat na ito kung paano ipinapatupad ang sistema ng membership mula ng itatag ang SDCC, mga problemang nakaharap nito at kasalukuyang kinakaharap pa. Apat (4) na pulong ang naganap upang talakayin ito. Mahalaga sa Komite na malalim ang kanilang pagkakaintindi sa sistema dahil sila ang magiging tulay upang ipaliwanag ito sa Lupong Patnugutan at mga magpapatupad nito.

Unang Linggo ng Pebrero 2012, sumunod na binigyang pansin ng Komite ang talakayan patungkol sa “Analysis on Recruitment System” na isinumite ng MIS Department noong Pebrero 3, 2012 at inaprubahan ng Lupong Patnugutan. Bilang pagsasaayos sa ginagawang sistema, nakita ang kahalagahan ng pagtatalaga ng “Member Number” na siyang magsisilbing pantukoy sa isang kasapi o naging kasapi ng ating kooperatiba, kaya noong Abril 11, 2012 ito ay inirekomenda ng MIS komite at inaprubahan ng Lupong Patnugutan.

Nais ng komite na maayos na maipatupad ang sistema ng Membership System, kaya noong nakaraang Hunyo ay sinuportahan ng komite ang ginanap pagpapalaganap ng impormasyon patungkol sa Membership System na dinaluhan ng Board of Directors, PKPTL, District Council, SDCC Staff at piling PT Lider. Layunin nito na maihanda ang mga opisyales at mga kasapi na siyang pangunahing makinarya ng organisasyon sa pagpapatupad nito.

Patuloy ang pagsubaybay ng komite sa kalagayan, pag-unlad at suliranin na nakaharap o kinahaharap pa ng MIS Department upang mabigyan ito ng gabay, tulong o solusyon.

Sa laki ng responsibilidad na nakaatas sa komite, hindi sapat ang bilang ng taong bumubuo nito, kung kaya sa unang buwan pa lamang ng taon ay naglabas ng anunsyo para sa karagdagang miyembro ng komite.

Ganun pa man ay patuloy pa rin ang pagbibigay gabay ng MIS Komite sa pagbubuo pa ng ibang sistema para sa ika-aayos at ikabubuti ng ating samahan.

PARA SA COMMITTEE ON MIS

ENGR. RAYMOND L. JOSEPH SALVADORTagapangulo

Com

mitt

ee on

Soc

ial S

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Com

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Approved B

oard Resolutions for 2

012

BR #005 (January 19, 2012-004) – Application for Withdrawal of Membership Pinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng pitong (7) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #006 (January 19, 2012-005) – MOA between SDCC & MSCB Pinagtibay ng Lupong Patnugutan ang Memorandum of Agreement (MOA) sa pagitan ng SDCC at MSCB hinggil sa “sale of receivables” ng SDCC sa pasubali na ang nilalaman nito ay katanggap-tangap sa pagitan ng dalawang panig at ang nasabing MOA ay mayroong Side Agreement mula sa MSCB.

BR #007 (January 19, 2012-007) – International Celebration of CooperativesPinagtibay ng Lupong Patnugutan ang pakikilahok ng SDCC sa International Year of the Cooperative “National Show of Force” na gaganapin sa February 18, 2012, na may kaukulang badyet na nagkakahalaga ng P250, 000.00 at ito ay ibabawas sa Cooperative Guarantee Fund.Napagtibay din ang pagbuo ng ADHOC Committee na bubuuin ng mga sumusunod:

1. Mr. Renato Dela Cruz – Chairperson2. PKPTL Officers3. Dir. Evelyn R. Luching4. Ms. Cielito L. Garrido5. Committee on Organizational Strength6. Mr. Noli S. Salvador

Ang bilang ng mga sasama ay batay sa kakayahan ng badyet na itinalaga kasama na ang lahat ng maaaring pang pagkagastusan. BR #008 (January 19, 2012-008) – Appointment of Credit CommitteePinagtibay ng Lupong Patnugutan ang renewal ng pagkakatalaga ng mga sumusunod na kagawad ng Credit Committee para sa isa pang taon, April 1, 2012 to March 31, 2013 batay sa rekomendasyon ng Chief Executive Officer, Bb. Cielito L. Garrido.

a] Gng. Rosalina G. Sapunganb] Gng. Zenaida A. Alcantarac] G. Rolando B. De Leon d] Gng. Josephine B. Balana

Napagtibay din na magkaroon ng isa o higit pa na understudy na sasanayin upang maging kagawad ng Lupon sa 2013. Ang nabanggit na understudy ay magiging bahagi ng pulong, diskusyon at talakayan ng komite ngunit wala siyang kapangyarihan na makaboto sa pagdedesisyon. Siya ay bibigyan ng transportation allowance na P200 kada pulong na kanyang nilahukan, ito ay mas mababa sa natatanggap ng regular na kagawad ng komite. Sa ganitong pamamaraan ang kasalukuyang kagawad ng Lupon ay maaari nang tumanggap ng nominasyon para sa mas mataas na posisyon ng paisa-isa.

Hinilingan ng Lupong Patnugutan ang komite matapos analisahin ang listahan ng mga pagpipilian ay pumili mula rito o maaari din silang magrekominda ng iba pang pagpipilian.

BR #009 (January 19, 2012-009) - Approval of Credit Limit and AvailmentPinagtibay ng Lupong Patnugutan ang credit limit ng isang kasapi sa halagang Isang Milyon Anim na Daan at Anim na Libo Walong daan tatlumpu’t anim na piso at 20/100 (P1,606,836.20) sa pasubali na titignan ang kanyang rekord sa Credit Management Association of the Philippines (CMAP).

BR #010 (January 19, 2012-011) - Resignation of Ms. Vilma Cruz-Education & Information

MGA PINAGTIBAY NA RESOLUSYON PARA SA

2012

January 2012BR #001 (January 9, 2012-047 item#1) - Application for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng tatlong (3) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #002 (January 9, 2012-02) - Credit Committee Report:Pinagtibay ng Lupong Patnugutan ang special loan application at credit line and availment ng mga kasapi batay sa rekomendasyon ng Credit Committee:

BR #003 (January 9, 2012-05) - Election Committee Report:Pinagtibay ng Lupong Patnugutan ang paghirang kay Gng. Leonila V. Gonzaga bilang Kagawad ng Lupon para sa darating na pangkalahatang halalan ng SDCC sa Marso, batay sa rekomedasyon ng Election Committee.

BR #004 (January 19, 2012-003) – Recommendation/Report of HR ConsultantPinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyon ng HR Consultant:

1. Simula January 2012, ang “allowances” ng mga kawani ay idadagdag sa kanilang basic pay.

2. Ang nabagong basic pay para sa taong 2012 ang siyang magiging batayan ng kanilang 13th month pay, vacation leave pay, sick leave pay, service incentive pay, bonus at iba pang mga benepisyo na ibibigay sa mga kawani.

3. Ang karagdagang buwis na nagkakahalaga ng P574,509.11, bilang resulta ng pagbabago sa sahod ng mga kawani makalipas ang labing siyam (19) na taon, ay babayaran o sasagutin ng SDCC taun-taon simula 2012.

4. Anumang karagdagang buwis na sosobra sa halagang P574,509.11, bilang resulta ng pagtaas ng sahod o overtime ay bababayaran na ng nasabing kawani.

5. Nararapat din sagutin din ng Koop ang kaukulang buwis para sa officers allowances at Christmas gifts, kung mayroon.

Napagtibay din na si Bb. Lea Gomez ay kukuhanin bilang HR Consultant/Retainer sa loob ng isang (1) taon, simula February 1, 2012 hanggang January 31, 2013, na may kaukulang bayad na P30,000.00, kasama ang bayad sa buwis, ang kanyang mga gagawin ay nakatala sa kanyang proposal letter.

Hiniling ng Lupong Patnugutan na maging bahagi ng mga gagawin ni Bb. Gomez ang paggawa ng salary scale ng mga guro at kawani ng EDSD.

Amount

P2,883,053.00

P1,600,000.00

Interest rate

Purchase of house & lot with 1.5% interest

Will depend on the purpose of loan to be

availed

Will be identified upon availment

Will be identified upon availment

Terms of payment

Officer, PKPTLPinagtibay ng Lupong Patnugutan ang kahilingan ni Bb. Vilma Cruz na pagbibitiw sa kanyang katungkulan bilang Education & Information Officer - PKPTL.

BR #011 (January 19, 2012-008 item #4) - MIS CommitteePinagtibay ng Lupong Patnugutan ang rekomendasyon ng MIS Committee na magdagdag ng bagong miyembro ng komite subalit kinakailangang makapasa siya sa mga sumusuhod na kriterya:

1. Should have the aptitude, inclination and desirable academic, professional and/or experiential background for MIS work, e.g.

• college level (graduate is an advantage) of courses such as computer science, engineering (esp. computer engineering), information technology, business administration

• professionals in lines of work enumerated above

• with exposure and/or experience in information systems and information systems development, database design and administration, ICT infrastructure, business operations and management research work, data analysis and policy studies

• open to new ideas and willing to study

2. Should be willing to devote time and effort for the performance of collective and individual responsibilities

3. Must be committed to the Cooperative values, principles and practices

Napagtibay din ang renewal ng kontrata sa pagitan ng SDCC at ni G. Roland T. Abiog bilang MIS Consultant/Retainer simula January 1 – December 31, 2012 na may kaukulang buwanang bayad propesyonal na nagkakahala ng tatlumpung libong piso (P30,000.00), net of tax, batay sa rekomendasyon ng MIS Committee.

BR #012 (January 31, 2012-001 item #1) - Financial and Operational Report as of December 31, 2012 Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Tagapamahala na dagdagan ang ating allowance for doubtful accounts ng halagang Apat na Milyon Limang Daang Libong Piso (P4,500,000.00) upang maging mas matatag ang ating kooperatiba batay na rin sa pagsunod sa alituntunin ng Batas Kooperatiba.

BR #013 (January 31, 2012-001 item #2) - 51st General Election Pinagtibay ng Lupong Patnugutan na ang ipamamahaging give-away sa darating na pangkalahatang halalan ay katulad ng ipinamahagi noong nakaraang taon, apat (4) na kilong bigas at frozen food.

BR #014 (January 31, 2012-001 item #3) - Recommendation from HR ConsultantPinagtibay ng Lupong Patnugutan ang pagsalo ng pagbabayad ng buwis ng mga kawani, na ang pagkwenta ng basic salaty ay batay sa tatlung daan at labing tatlong araw (313), na may kaukulang halaga na Limang daan Animnapung Libo Pitumpu’t Siyam na piso at labing tatlong sentimo (P560,079.13). Ang naturang buwis ay bunga ng pagsasaayos ng sahod ng mga kawani na ngayon lang muli mangyayari matapos ang labing siyam (19) na taon.

BR #015 (January 31, 2012-001 item #4) - Renewal of Planong Damayan Services: Increase in Annual premiumPinagtibay ng Lupong Patnugutan ang pagtaas ng premium ng renewal ng Planong Damayan sa kadahilanang mas mataas ang claims kumpara

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App

rove

d B

oard

Res

olutio

ns fo

r 2

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sa ibinayad na premium, sa pasubali na makikipagnegosasyon ang ating CEO, Bb. Cielito L. Garrido, MBA, na mas mapababa pa ang halaga ngunit kung hindi na talaga maaari ay ikokonsidera na ang halagang Walong daan at Limampung Piso (P850.00)

BR #016 (January 31, 2012-002) - Report: Credit CommitteePinagtibay ng Lupong Patnugutan ang credit line at aplikasyon sa loan ng isang (1) kasapi sa halagang -Isang Milyon Talumpu’t Apat na Libo Siyam na Raan at Animnapung piso (P1,034,960.00) batay sa rekomendasyon ng Credit Committee.

BR #017 (January 31, 2012-003 item #1) - NATCCO proposal on Loan Porfolio & Structure AnalysisPinagtibay ng Lupong Patnugutan ang pagtanggap sa teknikal na tulong ng NATCCO sa pag-aanalisa ng Loan Portfolio & Structure ng SDCC na may kaukulang bayad propesyonal na nagkakahalaga ng Dalawampu’t Pitong Libong Piso (P27,000.00)

BR #018 (January 31, 2012-003 item #2) - CMAP Nominations for the Board of DirectorsPinagtibay ng Lupong Patnugutan na si Dir. Laura D. Notarte ang maging opisyal na delegado at nominado ng SDCC sa Credit Management Association of the Philippine (CMAP).

BR #019 (January 31, 2012-003 item #3) - NATIONAL BIBLE WEEKInatasan ng Lupong Patnugutan si Bb. Cielito L. Garrido, MBA, CEO na ipaliwanag kay G. Felizardo Tropia ang katatayuan ng SDCC tungkol sa usaping pang relihiyon at gayon din ang pagiging neutral nito pagdating sa usaping pangpolitikal.

FEBRUARY 2012BR #020 (February 16, 2012-014 item #A.2) – MOA between SDCC and MSCB Pinagtibay ng Lupong Patnugutan ang pagtatalaga kay G. Damaso L. Cruz, Jr, Vice-Chairperson bilang isa sa opisyal na signatory sa MOA sa pagitan ng SDCC at MSCB upang pumalit kay G. Garibaldi O. Leonardo, Chairperson, sa kadahilanang si G. Leonardo ay Direktor din ng MSCB.

BR #021 (February 16, 2012-014 Item #B.1) – Venue of 51st General ElectionPinagtibay ng Lupong Patnugutan na ganapin ang ika-51 pantaunang pangkalahatang halalan ng SDCC sa Escuela De San Dionisio (EDSD) sa pasubali na ang donasyon para sa kuryente na ibibigay ay batay sa meter reading bago at matapos ang paggamit ng pasilidad.

BR #022 (February 16, 2012-014 Item #B.2) – Renewal of Planong Damayan Services (Increase in Premium)Inatasan ng Lupong Patnugutan si Bb. Cielito L. Garrido, MBA, na kumunsulta sa CLIMBS hinggil sa tamang kompyutasyon para sa pagpapatala sa Life Time enrollment ng Planong Damayan. BR #023 (February 16, 2012-015 Item #2) – Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng pitong (7) kasapi na may iba’t ibang kadahilanan sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #024 (February 16, 2012-017) – Credit CommitteePinagtibay ng Lupong Patnugutan, sa rekomendasyon ng Credit Committee,ang special loan ng isang (1) kasapi na may halagang Siyam na Raang Libong Piso (P900,000.00) na may tubong 1.50% kada buwan batay sa bumababang balanse na babayaran sa loob ng limang (5) taon. BR #025 (February 16, 2012-019) – EDSD Report:Pinagtibay ng Lupong Patnugutan ang “A Strategic Assessment and Development Planning for Escuela De San Dionisio”.

BR #026 (February 16, 2012-021) – Withdrawal from Membership in Planong DamayanPinagtibay ng Lupong Patnugutan ang kahilingan ni G. Cesar R. Villasoto, Jr. na pagtiwalag sa Planong Damayan sa kadahilanang nababawasan ang kanyang impok na lagak at mayroon na siyang Insurance. BR #027 (February 16, 2012-022) – PQCUCIpinaubaya na ng Lupong Patnugutan sa matalinong pagdedesisyon ng Chief Executive Officer ang pagtugon sa kahilingan ng UMMC na pagsusumite ng kaukulang CETF para sa taong 2009-2011 sa pasubali na ito ay babayaran ng paunti-unti lamang.

MARCH 2012BR #028 (March 8, 2012-005 item #5) – Recommendation of the Definition of WISE MENTOR

Pinagtibay ng Lupong Patnugutan ang depinisyon ng WISE Mentor na nakasulat sa likod ng 2011 Pantaunang Ulat. BR #029 (March 8, 2012-005 item #6) – Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng labing isang (11) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #030 (March 8, 2012-005 item #7) – Applications for MembershipPinagtibay ng Lupong Patnugutan ang mga “applications for membership” ng dalawampu’t siyam (29) na aplikante na dumalo at nakatapos ng Pre-Membership Seminar (PMS#2012-16) na ginanap noong Marso 6, 2012, sa rekomendasyon ni Gng. Elvira S. Dandan, EDCOM Chairperson.

BR #031 (March 8, 2012-006) – Committee on Business Development: Business Proposal of SIDCPinagtibay ng Lupong Patnugutan ang Showcase Proposal ng Sorosoro Ibaba Development Cooperative (SIDC) sa pantaunang pangkalahatang halalan.

BR #032 (March 8, 2012-007) – Committee on Social Services Report: Recommendation on Housing Project 3Pinagtibay ng Lupong Patnugutan ang pagtanggap ng aplikasyon para sa Housing Project 3 ay buksan sa lahat ng kwalipikadong kasapi sa pamamagitan ng “first come, first served basis”, na may kaukulang tubo na 1.5% kada buwan na babayaran sa loob ng dalawampu’t limang (25) taon. Ang pagsusumite ng liham aplikasyon ay sang-ayon sa pagkakasunod-sunod na talaan.

1. Hanggang May 31, 2012 - Bukas sa lahat ng kasapi lamang

2. June 1 hanggang July 31, 2012 - Bukas sa lahat ng kasapi/opisyales/kawani maliban lamang sa kasalukuyan at magiging bagong opisyales ng Lupong Patnugutan

3. Makalipas ang July 31, 2012 - Bukas sa lahat ng kwalipikadong aplikante, kahit anu pa ang kanyang posisyon sa koop.

Napagkasunduan din na bibigyang priyoridad ang mga nauang aplikante na kwalipikado.

BR #033 (March 8, 2012-008) – Task Force MorningPinagtibay ng Lupong Patnugutan ang inihaing isang daan at animnapung (160) kasapi para itiwalag sa pagiging kasapi ng kooperatiba na may kasalukuyang secured at regular loan subalit delingkwente ang account sang-ayon sa mga sumusunod na panuntunan.

1. AO is the person responsible to talk to members concerned, one-by-one, regarding offsetting of his/her account.

2. If AO was not able to convince the member, account will be forwarded to Mediation and Conciliation Committee.

3. After offsetting of account, member can re-apply for membership after One (1) year by undergoing the usual process in applying for membership.

4. After the seminar, the member can open his/her account as a new member.

5. Being a new member, in case of loan availment, policy on account management shall be applied.

6. It is also a requirement that before he/she could avail of loan, he must have taken the Financial Literacy seminar and any amount charged to probable losses due to offsetting shall be paid first.

Napagtibay din na ang halagang dalawang daan apatnapu’t dalawang libo dalawang daan labing tatlong piso at apatnapu’t limang sentimo (P242,213.45) ay ibabawas sa allowance for probable losses.

Napagtibay din na pahabain pa hanggang June 30, 2012, ang pagpapatupad ng polisiya na bigyan ng pagkakataon ang delingkwenteng kasapi na ayusin ang kanyang account sa pamamagitan ng loan restructuring at/o pag-utang ng kanyang credit limit kahit na wala siyang sapat na kolateral. Ang tinatantiyang halaga na maaayos ay P4,117,789.98 (94 accounts).

Napagkasunduan din na ang naturang aksyon ay magiging bahagi ng proyektong paglilinis ng ating mga account. BR #034 (March 8, 2012-009) – PKPTL ReportPinagtibay ng Lupong Patnugutan ang pagreplika ng pangunahing komite sa lebel ng Pook-Tulungan, sang-ayon sa rekomendasyon ng PKPTL.

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Committee

Committee onFinancial Stability

Committee on Social Servicesand Business Development

Committee on Organizational Strength

Committee on Education

Committee on Election

Function

- study & recommend: • delinquency control • capital build-up and Savings mobilization • sound financial management

- study & recommend: • Business projects & Entrepreneurship • livelihood programs/projects • Planong Damayan • housing project • social investigation - Survey

• CI/BI

- study & recommend: • Officers/Staff & Organizational Development • Pook-Tulungan Development • Member Development and Empowerment • recruitment of members

- study & recommend: • Training/Seminar for staff/Officers/Members

- study & recommend:

• Motivate and encourage members to accept any position in coop

• Spread leadership

Persons Responsible

Treasurer & Auditor (PKPTL)Treasurer & Auditor (DC)Treasurer & Auditor (PT)Member

Vice-Chairperson (PKPTL)Vice-Chairperson (DC)Vice-Chairperson (PT)Member

Secretary (PKPTL)Secretary (DC)Secretary (PT)Member

Educ. & Info. Officer (PKPTL)Educ. & Info. Officer (DC)PT Leader Member

Auditor & Sgt. at Arms (PKPTL)Auditor & Sgt. at Arms (DC)Auditor (PT)Member

Napagkasunduan na ito ay makakatulong sa paglutas ng ating mga problema sa

1) pangangalap ng mga bagong kasapi;2) pagbaba ng portfolio at risk (PAR) at3) pagpapalakas ng ating organisasyon.

BR #035 (March 8, 2012-010) – Education Committee ReportPinagtibay ng Lupong Patnugutan ang sumusunod na rekomendasyon ng Lupon sa Edukasyon at Pagsasanay.

1. 360 Degrees Financial LiteracyEffective March 2012, all participants who attended the Pre-Membership Seminar will undergo Financial Literacy Seminar before the Membership Education Seminar.

2. Associate Members

Module on Associate Member is the same module being used in PMS. But when it comes to their duties and responsibilities, they have no right to vote during the General Election.

The Associate Members will be called for a meeting two times (2x) a year (once in every 6 months) by the PDMSS Department headed by Mr. Noli S. Salvador.

Additional criteria for Associate Members:

a) Associate Members upon termination of two (2) years term, shall begiven 30 days to apply for Regular membership. However, after 30 days and he/she did not apply for membership he/she will no longer be accepted as an associate member again.

b) If the Associate Member applied for membership, he/she will undergo the following seminars:• Orientation• Financial Literacy• Membership Education

3. Resource Speakers/Trainers conducting trainings lectures outside SDCC

3.1 All invitation for speakers/trainors/resource speakers representing SDCC should be coursed through SDCC through the Office of the Chief Executive Officer (OCEO)

3.2 Representatives should remit 10% of the allowance received, if any, as share in the EDCOM Fund.

3.3 Staff salary (depending on number of days, excluding Sundays & holidays) will be deducted from the allowance/honorarium given

to him/her. However, if the allowance/honorarium received is lower than the staff salary, the honorarium/allowance shall be given to the staff after deducting the 10% share in the Edcom Fund.

4. No Read, No Write For the benefit of those applicants who would like to become member

of SDCC but cannot read and write– this will be part of our flagship program – c/o Brand Creation and Development Program.

BR #036 (March 8, 2012-011 item #1) – Letter of Request from Rosalina G. SapunganPinagtibay ng Lupong Patnugutan ang kahilingan ni Gng. Rosalina G. Sapungan, Tagapangulo ng Lupon sa Pag-Utang, na ang maging tubo ng kanyang inutang na special loan ay 1% pa din sa kadahilanang ang paggagamitan nito ay iyon pa ring dati na productive.

BR #037 (March 13, 2012-023) – MIS Committee ReportPinagtibay ng Lupong Patnugutan “in principles” ang ulat ng MIS Committee tungkol sa Recruitment System sa pasubali na ito ay pag-aaralan at aanalisahin pang mabuti.

BR #038 (March 13, 2012-024) – Chairperson’s Recommendation Re: Criteria for WISE MENTORIkinonsidera pinagtibay ng Lupong Patnugutan ang Criteria for Wise Mentor subalit maaari pa rin magbigay ng mga mungkahi at suhestiyon ang sinumang nagnanais. BR #039 (March 13, 2012-025) – Proposed Changes to the Functions of the Advisory Council Napagkasunduan ng Lupont Patnugutan na magtalaga ng kaukulang kriterya para sa mga kwalipikadong kagawad ng iba’t ibang komite.

BR #040 (March 29, 2012-012 item #1) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng labing anim (16) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #041 (March 29, 2012-012 item #2) - Audited tax due for 2012Pinagtibay ng Lupong Patnugutan ang pagtatama ng kwentada ng buwis na dapat bayaran para sa taong 2012. Ang dipernsya na P52,385.96 ay idadagdag sa buwis na babayaran ng SDCC simula ngaung taong 2012.

BR #042 (March 29, 2012-013) - Chairperson’s recommendation Pinagtibay ng Lupong Patnugutan “in principle” ang konsepto ng mungkahing kriterya at pinalawak na tungkulin ng Advisory Council

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BR #049 (March 29, 2012-020) - Appointment of the Board Secretary and TreasurerNapagkasunduan at pinagtibay ng Lupong Patnugutan ang muling paghirang kay Gng. NONILA S. SANTOS bilang Kalihim ng Lupong Patnugutan at kay Gng. JOSEPHINE C. HERRERA, CPA bilang Ingat-Yaman, na parehong may isang taong termino, simula Abril 1, 2012 hanggang Marso 31, 2013.

BR #050 (March 29, 2012-021) - Appointment of Chairmen, Co-Chairmen and Members of the Four (4) Major CommitteesPinagtibay ng Lupong Patnugutan ang mga mamununo sa apat (4) na major committees na nakatalaga sa ibaba.

1. COMMITTEE ON BUSINESS DEVELOPMENT (CBD) Chaired by: Ms. Josephine B. Balana

1.1 Business Projects & Entrepreneurship (BPE) 1. Co-Chaired by: Dr. Danilo Pilar 2. Director shepherd: Dir. Marjorie P. Ablaza 1.2 Livelihood Programs/Projects (LPP) 1. Co-Chaired by: Ms. Josephine B. Balana

2. Director shepherd: Vice-Chairperson Damaso L. Cruz, Jr.

2. COMMITTEE ON ORGANIZATIONAL STRENGTH (COS) Chaired by: Mr. Dionisio L. Sope

2.1 Officers, Staff and Organizational Development (OSOD) 1. Co-Chaired by: Ms. Adelaida L. De Jesus 2. Director shepherd: Dir. Herminio C. Hernandez 2.2 Pook-Tulungan Development (PTD) 1. Co-Chaired by: Mr. Renato G. Dela Cruz 2. Director shepherd: Dir. Alma S. Ferreros 2.3 Member Development & Empowerment (MDE)

SIGNERS:1. Chairperson Garibaldi O. Leonardo2. Vice-Chairman Damaso L. Cruz, Jr.3. Treasurer Josephine C. Herrera, CPA

4. Director Glenn C. Cruz5. Director Elvira S. Dandan6. Director Ma. Nelia Rafaela G. De Leon7. Director Herminio C. Hernandez

CO-SIGNERS1. Chief Executive Officer Cielito L. Garrido2. Finance Department Manager Vivian D. Alcantara3. Program Development and Member

Support Services Department Manager Noli S. Salvador

1. Co-Chaired by: Mr. Dionisio L. Sope 2. Director shepherd : Dir. Elvira S. Dandan

3. COMMITTEE ON FINANCIAL STABILITY (CFS) Chaired by: Josephine C. Herrera

3.1 Loan Delinquency Control (LDC) 1. Co-Chaired by: Ms. Rosalina G. Sapungan

2. Director Shephered: Dir. Maria Nelia Rafaela G. De Leon

3.2 Capital Build-Up & Savings Mobilization (CBSM)1. Co-Chaired by: Ms. Isabel Zara (Next Choice: Ms.

Mary Ann Datuin)2. Director Shepherd: Dir. Rafaela T. Escuadro, CPA

3.3 Sound Financial Management (SFM)1. Co-Chaired by: Ms. Josephine C. Herrera, CPA2. Director Shepherd: Chairperson Garibaldi O.

Leonardo, Ph.D 4. COMMITTEE ON SOCIAL SERVICES Chaired by: Mr. Apolonio M. Mendoza, Jr. Co-Chaired by: Mr. Victorino A. Macob Director Shepherd: Dir. Glenn C. Cruz

BR #051 (March 29, 2012-022) - SCHEDULE OF THE INDUCTION OF OFFICERSPinagtibay ng Lupong Patnugutan idaos ang induction of officers na pamumunuan ni Sec. Senen C. Bacani, sa Abril 14, 2012 (Sabado) sa ganap na ika-7:00 ng gabi sa gusali ng SDCC. Ang mga iimbitahan ay lahat ng opisyales na napapaloob sa Constitutional bodies kasama ang kanilang mga asawa samantalang ang mga nabibilang naman sa Non-Constitutional bodies ay ang mga opisyales lamang ang iimbitahan, mga kumandidato sa 51st G.E. at mga kawani ang kumbidado sa naturang pagtitipon.

BR #052 (March 29, 2012-023 letter A) - Opisyal at Pangalawang Kinatawan ng SDCCAng Lupong Patnugutan matapos pakingan ang suhestiyon ni Dir. Herminio C. Hernandez, na nauwi sa “division of the house” ay pinagtibay ang pagtatalaga ng mga opisyal at pangalawang kinatawan ng SDCC sa iba’t ibang kooperatiba at organisasyong kinaaaniban nito batay sa kagustuhan at pagkakaroon ng panahon na makadalo sa aktibidades ng organisasyon.

1) Metro South Cooperative Bank (MSCB) Regular Delegate: Chairperson Garibaldi O. Leonardo (Incumbent Director) Alternate Delegate: (only one [1] representative is required)

2) National Confederation of Credit Cooperative (NATCCO) Regular Delegate: Dir. Rafaela T. Escuadro (Incumbent Director)

Alternate Delegate: Dir. Herminio C. Hernandez

3) CLIMBS Regular Delegate: Dir. Glenn C. Cruz Alternate Delegate: Dir. Alma S. Ferreros

4) NCM Mutual Fund of the Phil., Inc. (NCMMFPI) Regular Delegate: Dir. Elvira S. Dandan (Incumbent Director)

Alternate Delegate: Ms. Maria Nelia Rafaela G. De Leon

5) CODIS Federation of Cooperatives (CODIS) Regular Delegate: Chairperson Garibaldi O. Leonardo (Incumbent Director)

Alternate Delegate: Dir. Marjorie P. Ablaza

6) Credit Management Association of the Philippines (CMAP)Regular Delegate: Dir. Laura D. Notarte

Alternate Delegate: Ms. Maria Nelia Rafaela G. De Leon

7) Parañaque Chambers of Commerce & Industry (PqCCI) Regular Delegate: Evelyn R. Luching (Incumbent Director) Alternate Delegate: Vice-Chairperson Damaso L. Cruz, Jr.

8) Parañaque Federation of Credit Cooperative (PqFCC) Regular Delegate: Mrs. Julieta F. Aienza Alternate Delegate: Dir. Elvira S. Dandan

9) Parañaque City Union of Cooperatives (PqCUC) Regular Delegate: Dir. Herminio C. Hernandez Alternate Delegate: Dir. Marjorie P. Ablaza

10) Philippine Cooperative Center (PCC) Regular Delegate: Dir. Evelyn R. Luching Alternate Delegate: Dir. Maria Nelia Rafaela G. De Leon

11) Parañaque Development Foundation, Inc. (PDFI) Regular Delegate: Vice-Chairperson Damaso L. Cruz, Jr. Alternate Delegate: Dir. Marjorie P. Ablaza

sa pasubali na muling pipinuhin ang mga detalye matapos kuhanin ang opinyon ng mga kasapi ng iba’t ibang komite na dumalo sa pulong.

BR #043 (March 29, 2012-014) - Committee on Social Services (CSS) Napagkasunduan ng Lupong Patnugutan na muling pag-aralan ng CSS ang kanilang rekomendasyon na ipa-raffle ang ating Housing Project 3. Ang lahat ay inaanyayahang dumalo sa pulong ng CSS upang magbigay ng kanilang ideya/opinyon/suhestiyon nang sa gayon ay makabuo ng mas magandang solusyon o rekomendasyon at tatalakayin sa regular na pulong ng Lupong Patnugutan sa April. BR #044 (March 29, 2012-015 item #2) - Letter from spouses Mr. & Mrs. Walter and Analisa San Pedro and Ms. Caroline T. LlanesPinagtibay ng Lupong Patnugutan ang kahilingang pagtiwalag sa Planong Damayan ng mga nabanggit na kasapi.

BR #045 (March 29, 2012-015 item #3) - SDCC and Bagong Silang 2 Multi-Purpose Cooperative (BS2MPC) CHP Terms and ConditionsPinagtibay ng Lupong Patnugutan ang tie-up sa pagitan ng SDCC at Bagong Silang 2 Multi-Purpose Cooperative tungkol sa Coop Health Program sa pasubali na ang terms and conditions ay mapagkakasunduan ng magkabilang panig. BR #046 (March 29, 2012-015 item #4) - COOP-NATCCO Party List Nomination Rules for Luzon and Visayas nomineesPinagtibay ng Lupong Patnugutan na inomina si Dir. Herminio C. Hernandez bilang kandidato sa Coop-NATCCO Partylist.

BR #047 (March 29, 2012-018) - Regular Meeting of the Board of DirectorsPinagtibay ng Lupong Patnugutan na ang kanilang regular na pulong ay ganapin tuwing ika-3 Huwebes ng kada buwan sa ganap na ika-7:00 ng gabi sa SDCC Board Room.

BR #048 (March 29, 2012-019 item #1) - Appointment of Committee Chairmen and Members/Bank Signatories Itinalaga ng Lupong Patnugutan ang mga sumusunod bilang opisyal na Tagapangulo ng Komite at “signatories” para sa ating transakyon sa bangko simula Abril 18, 2012.

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12) Rover Scout of the Philippines Regular Delegate: Dir. Glenn C. Cruz Alternate Delegate: Dir. Elvira S. Dandan 13) Metro Manila Savings Cooperative (MMSC) Regular Delegate: Dir. Marjorie P. Ablaza Alternate Delegate: Dir. Alma S. Ferreros

14) Kalakasan Regular Delegate: Dir. Herminio C. Hernandez Alternate Delegate: Vice-Chairperson Damaso L. Cruz, Jr.

15) National Publishing Cooperative, Inc. (NPC) Regular Delegate: Dir. Maria Nelia Rafaela G. De Leon Alternate Delegate: Dir. Rafaela T. Escuadro

16) Cooperative Insurance System of the Philippines, (CISP) Regular Delegate: Dir. Alma S. Ferreros Alternate Delegate: Dir. Maria Nelia Rafaela G. De Leon

BR #053 (March 29, 2012-023 letter B) - Affiliations General Assembly schedulesPinagtibay ng Lupong Patnugutan na magpadala ng delegado sa mga sumusunod na assembliya ng mga organisasyon o kooperatibang kinaaaniban ng SDCC na nakatala sa ibaba.

1) PqFCC April 12, 2012 at Forum Hall, PAGCOR, Brgy. Sto. Niño, Parañaque City 1) Mrs. Julieta F. Aienza 2) Dir. Elvira S. Dandan

2) CLIMBS April 26-27, 2012 (Thursday & Friday) at Waterfront Hotel and Casino,

Lahug, Cebu City 1) Dir. Glenn C. Cruz 2) Dir. Alma S. Ferreros

3) Credit Management Association of the Philippines 80th Anniversary and 31st National Credit Congress on April 27

(Friday) at Acacia Hotel (Ballroom), Filinvest Alabang,5400 East Asia Drive, Filinvest Corporate City, Alabang Muntinlupa City

1) Dir. Laura D. Notarte 2) Dir. Maria Nelia Rafaela G. De Leon

4) Cooperative Insurance System of the Philippines April 28, 2012 at Malolos Gymnasium, City of Malolos, Bulacan 1) Dir. Alma S. Ferreros 2) Dir. Maria Nelia Rafaela G. De Leon

5) NATCCO May 25 to 27, 2012 at Waterfront Hotel, Lahug, Cebu City 1) Dir. Rafaela T. Escuadro (Incumbent Director) 2) Dir. Herminio C. Hernandez Youth Congress on May 23-25, 2012 (Wednesday to Friday) at Ecotech

Center, Lahug, Cebu City

6) Philippine Cooperative Center May 31, 2012 at “The Metro Centre,” President Carlos P. Garcia

Avenue, Tagbilaran City, Bohol. 1) Dir. Evelyn R. Luching 2) Dir. Maria Nelia Rafaela G. De Leon

7) MSCB June 2, 2012 (Saturday) at Palacio De Maynila, 1809-1803 M.H. Del

Pilar St., Malate, Manila 1) Chairperson Garibaldi O. Leonardo,

BR #054 (March 29, 2012-024) - Appointment of the following commiteesPinagtibay ng Lupong Patnugutan ang komposisyon ng mga sumusunod na komite.

1) Ethics Committee 1. Evelyn Garcia 2. Regina T. Orcullo 3. Cesar P. Ramirez

2) Executive Committee 1. Zenaida A. Alcantara, CPA 2. Alex Guiwan 3. Marilyn J. Estrella 4. Engr. Raymond Joseph L. Salvador 5. Arch. Alfredo San Miguel 6. Atty. Vilma Dasal - Ex-Officio Member 7. Marc Leonard A. Fernandez - Technical Staff

3) Education and Training Committee 1. Ms. Helen M. Jayalin 2. Mr. Normandy G. Jose 3. Mrs. Evelyn R. Luching 4. Ms. Carmelita C. Sabino 5. Mrs. Nonila S. Santos 6. Mr. Damaso L. Cruz, Jr. - Ex-Officio Chairperson

4) Mediation and Conciliation Committee 1. Laura D. Notarte 2. Felipe L. Perida, Jr. 3. Reynaldo H. Vizcarra

5) Advisory Council 1. Dr. Arsenio G. Santiago - Honorary Chairperson 2. Efrain E. Abracia 3. Ismael M. Allanigue 4. Andres G. Buenaventura 5. Enrico SB Capistrano 6. Lucila A. Cruz 7. Perseverando L. Cruz 8. Antonio S. Lansangan 9. Evelyn R. Luching 10. Asuncion L. Pascual 11. Carmelita C. Sabino 12. Gregorio D. Ygnacio, Jr.

6) Search and Selection Committee for EDSD 1. Lucila A. Cruz 2. Apolonio M. Mendoza, Jr. 3. Danilo Pilar, Ph.D 4. 2 outsider

BR #055 (March 29, 2012-025) - 14th Development Education Workshop that will be held on June 7-13, 2012 in Bangkok, Thailand Napagkasunduan ng Lupong Patnugutan na isagawa na lang ang nasabing pagsasanay dito sa ating opisina upang mas marami ang makadalo. BR #056 (March 29, 2012-026) - CDA Gawad ParangalPinagtibay ng Lupong Patnugutan ang paglahok at pagnomina kay Dir. Herminio C. Hernandez para sa Coop Leaders Category.

APRIL 2012BR #057 (April 12, 2012-027) - Clarifications on the appointment of Committee MembersNapagkasunduan ng Lupong Patnugutan na idagdag ang mga sumusunod bilang kagawad ng apat (4) na pangunahing komiteng nakatala sa ibaba.

Committee on Social Services (CSS) - Ms. Maricel SabadoCommittee on Organizational Strength (COS) - Ms. Evelyn R. LuchingMediaiton & Conciliation Committee - Ms. Laura T. Notarte - Ex-Officio MemberAdvisory Council - Ms. Lita Gabriel

BR #058 (April 12, 2012-029) -CLIMBS General Assembly on April 26-27, 2012 at Waterfront Hotel & Casino, Cebu CityPinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales upang dumalo sa nabanggit na asembliya.

1. Dir. Elvira S. Dandan - Regular Delegate2. Dir. Glenn C. Cruz - Alternate Delegate3. Dir. Alma S. Ferreros

BR #059 (April 12, 2012-030) - NATCCO NetworkPinagtibay ng Lupong Patnugutan na ipadala ang Tagapangulo ng Laboratory Coop at si Dir. Evelyn R. Luching- President/CEO ng Escuela De San Dionisio upang dumalo sa Youth Congress sa May 23-25, 2012 na gaganapin sa Ecotech Center, Lahug, Cebu City.

Inatasan din ang Tagapamahala na makipag-ugnayan sa Coop-NATCCO Partylist na nakakuha ng puwesto noong nakaraang eleksyon, hinggil sa pondo na ginamit sa panahon ng pangangampanya.

BR #060 (April 12, 2012-031) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng pitong (7) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #061 (April 12, 2012-033) - Simplicio Gamboa Sr. Foundation, Inc.Napagkasunduan ng Lupong Patnugutan na ipamahala sa Committee on Social Services ang pag-aaral ang nilalaman ng MOA at gumawa ng rekomendasyon upang pormal na mapagkasunduan ng SDCC at Simplicio Gamboa, Sr. Foundation, Inc. ang naturang mungkahing tie-up. BR #062 (April 12, 2012-034) - Coop National Summit on October 10-12, 2012Pinagtibay ng Lupong Patnugutan na magpadala ng labing tatlong (13)

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opisyales upang dumalo sa naturang Summit na gaganapin sa October 10-12, 2012 sa Atrium, Limketkai Center, Cagayan De Oro City. Ang mga ipapadala ay ang lahat ng Kagawad ng Lupong Patnugutan, Kalihim at Ingat-Yaman, Tagapangulo ng PKPTL na siyang magiging representante ng kasapian at ang CEO.

BR #063 (April 12, 2012-035) - SM Guarantee Fund:Pinagtibay ng Lupong Patnugutan ang kahilingan ng mga kawani na direktang ilipat sa SM Guarantee Fund ang SM purchase card mula sa BDO.

BR #064 (April 19, 2012-029 item B.1) - Appointment of the Board Secretary and Treasurer / Appointment of Chairmen, Co-Chairmen and Members of the Four (4) Major CommitteesPinagtibay ng Lupong Patnugutan ang pagtatalaga sa mga sumusunod na opisyales ng mga sumusunod na komite.

1. Ms. Maricel Sabado - under study of Credit Committee2. Mr. Victorino A. Macob - Ex-Officio Member of CSS3. Mrs. Evangeline O. Reano - Co-Chairperson of CSS4. Ms. Teresita S. Lombos - Advisory Council Member

BR #065 (April 19, 2012-030 item #2) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng labing tatlong (13) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #066 (April 19, 2012-030 item #5) - NATCCO Network re Credit Assessment Report and Proposed Action PlanPinagtibay ng Lupong Patnugutan ang rekomendasyon ng CEO na magdagdag ng dalawang (2) kawani na ang magiging pangunahing tungkulin ay ang mangolekta ng bayad sa utang ng mga kasapi sa kani-kanilang bahay o lugar ng pinagtatrabahuhan.

BR #067 (April 19, 2012-031) - Report: Credit CommitteePinagtibay ng Lupong Patnugutan ang special loan application at credit line and availment ng mga kasapi batay sa rekomendasyon ng Credit Committee:

BR #068 (April 19, 2012-033) - Report: EDCOMPinagtibay ng Lupong Patnugutan, “in principle”, ang pagsasagawa ng seminar-workshop ng PKPTL at District Council tungkol sa Membership System na gaganapin sa ibang lugar sa June 7-9, 2012 sa pasubali na magsusumite ang komite ng kaukulang programa para dito.

BR #069 (April 19, 2012-034 item #1) - SDCC Affiliations’ activitiesPinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na opisyales upang dumalo sa Metro Manila Savings Cooperative’s 36th Annual General Assembly sa April 21, 2012 na gaganapin sa Conference Room, Kowloon House, West Avenue, Quezon City

1) Dir. Marjorie P. Ablaza - Regular Delegate2) Dir. Alma S. Ferreros - Alternate Delegate

BR #070 (April 19, 2012-034 item #2) - The

Amount

P3,000,000.00

P1,662,796.80

Interest rate

Purchase of house & lot with 1.5% interest

Will depend on the purpose of loan to be

availed

7 years

Will be identified upon availment

Terms of payment

Cathedral Parish of St. Andrew Pinagtibay ng Lupong Patnugutan ang pagbibigay ng pinansiyal na tulong na nagkakahalaga ng Tatlumpung Libong Piso (P30,000.00) sa The Cathedral Parish of St. Andrew. Ang nabanggit na halaga ay tulong ng SDCC sa pangangalap ng pondo para sa patuloy na pagpapaayos ng naturang simbahan at ito ay ibabawas sa Community Development Fund.

BR #071 (April 19, 2012-034 item #3.1) - NATCCOPinagtibay ng Lupong Patnugutan ang rekomendasyon ng CEO na kuhain ang Gold Package subcription sa NATCCO na nagkakalaga ng P30,000.00.

BR #072 (April 19, 2012-034 item #3.2) - Membership MeetingNapagkasunduan ng Lupong Patnugutan na ipadala ang ating opisyal na kinatawan (Dir. Rafaela T. Escuadro) o si Dir. Herminio C. Hernandez o si Gng, Evelyn R. Luching. Kung hindi maaari ang mga nabanggit ay si Gng. Marites M. Sanchez, Training Development Manager, ang ipapadala upang maging tagapagsalita sa naturang pulong.

MAY 2012BR #073 (May 10, 2012-037 item #1) – Case of Mr. Carlos B. Aguila, Jr.Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Chief Executive Officer, Bb. Cielito L. Garrido, MBA, na si G. Carlos B. Aguila, Jr., ang sapilitang itiwalag bilang kawani sa kadahilanang nakagawa siya ng labag sa mga alituntunin ng SDCC.

Napagtibay din na babawasin mula sa kanyang matatanggap na separation pay mula sa SDCC ang halagang P218,589.23, at kinakailangan din bayaran ni G. Aguila ang mga sumusunod:

BR #074 (May 10, 2012-037 item #3) - CODIS Invitation to the CEO as validator for CEBU CFI, May 21-26, 2012Pinagtibay ng Lupong Patnugutan na ang CEO, Bb. Cielito L. Garrido, MBA, ay dumalo bilang isa sa mga “validators” ng Cebu CFI Community Cooperative at bilang tagapagmasid sa exit conference sa Lamac Cooperative sa May 25, 2012.

BR #075 (May 10, 2012-037 item #4) – Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng sampung (10) kasapi na may iba’t-ibang kadahilanan sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #076 (May 10, 2012-037 item #5) – Executive

a. Labis na halaga na kanyang cash advance

b. Tubo sa utang sa loob ng tatlong (3) buwan na hindi naitalang appliance loan ng kasapi na kinuwenta ng Audit Department

c. Katumbas na tubo at multa kung ang naturang halaga ay naipautang sa kasapi at ito ay naging delingkwente

d. Iba pang dapat bayaran ni G. Aguila sa coop bilang kawani kung mayroon pa

Kabuuan

P 73,366.50

10,909.54

38,209.09

P122,485.13

-

-

-

-

CommitteePinagtibay ng Lupong Patnugutan na ang Tagapangulo ng Lupong Patnugutan ay maging Honorary Chairperson ng Executive Committee at ang Pangalawang Tagapangulo ay maging Honorary Vice-Chairperson din ng Execom.

BR #077 (May 10, 2012-038 item #1) - Delegates on AffiliationPinagtibay ng Lupong Patnugutan na maisama si dating Dir. Evelyn R. Luching sa mga dadalo sa summit sa kadahilanang siya ang opisyal na representante ng SDCC at kasama sa mga pagpaplano at programa ng PCC.

BR #078 (May 10, 2012-038 item #3) - WISE MENTOR Pormal nang pinagtibay ng Lupong Patnugutan ang kriterya ng WISE MENTOR at pinalitan ang salitang morally “upright” to morally “driven”.

BR #079 (May 10, 2012-038 item #5) - Dir. Rafaela T. Escuadro, Re: Resignation as Board of DirectorPinagtibay ng Lupong Patnugutan ang pagtiwalag ni Dir. Rafaela T. Escuadro, sa personal na kadahilanan, bilang kagawad ng lupon at opisyal na delegado ng SDCC sa NATCCO. Inatasan ng Lupon ang Tagapamahala na ipabatid kay Gng. Escuadro na kinakailangan niyang magsumite ng opisyal na liham ng pagtiwalag. Sa kabilang banda, si Dir. Herminio C. Hernandez bilang alternate delegate sa NATCCO ang siyang magiging opisyal na kinatawan ng SDCC sa NATCCO at ito ay ipababatid sa NATCCO.

BR #080 (May 10, 2012-038 item #6) - Coop-NATCCO Party-List Official and Non-Official DelegatePinagtibay ng Lupong Patnugutan na si Dir. Herminio C. Hernandez ay italagang opisyal na delegado para sa Coop-NATCCO Party List samatalang si G. Noli S. Salvador ay inatasang maging Non-official Delegate.

BR #081 (May 17, 2012-037) - Financial Assistance to Member (Mr. Rodelio Espina)Pinagtibay ng Lupong Patnugutan ang pagbibigay ng pinansiyal na tulong kay G. John Solomon Espina, anak ng kasaping si G. Rodelio Espina na may kaukulang Account No. 27-13355 na nagkakahalaga ng Pitong Libong Piso (P7,000.00) lamang para sa layuning maipasok ang kanyang anak sa Congregation of the Rogate of the Child Jesus upang kumuha ng kurso ng pagpapari.

Napagtibay din ang polisiya ng pagbibigay ng SDCC ng pinasiyal na tulong sa anumang solisitasyon na may kaparehong layuning ay limitado sa hanggang limang beses (5x) lamang sa isang taon at hindi lalampas sa halagang Sampung Libong Piso (P10,000.00), sa pasubali na ang kasaping humihingi ng tulong ay Member in Good Standing (MIGS). Kung siya ay non-MIGS, ang halagang ibibigay ay hindi lagpas sa P7,000.00 o 70% ng P10,000.00, sang-ayon sa polisiya ng MIGS at non-MIGS.

BR #082 (May 17, 2012-038) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng apat (4) na kasapi na may iba’t ibang kadahilanan sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive.

BR #083 (May 17, 2012-043) - Appointment of Committee Membership Pinagtibay ng Lupong Patnugutan ang komposisyon ng Committee on Social Sevices para sa taong 2012:

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Hiniling din ng Lupon sa iba pang tagapangulo ng komite na magsumite na ng komposisyon ng kanilang komiteng hinahawakan.

BR #084 (May 17, 2012-045) - MERALCO LetterPinagtibay ng Lupong Patnugutan na bayaran ng SDCC ang halagang apat na raan apatnapu’t isang libo isang daan at labing apat na piso at limang sentimo (P441,114.05), bilang cash advance sa MERALCO at ang halagang isang daan dalawampu’t pitong libo dalawang daan at siyamnapung piso bilang deposito sa MERALCO kaugnay ng pagpapakabit ng bagong single metering, overhead 230V; Single - Phase; 3W; 87.50 applied load at ang halagang limang daan at tatlumpung libong piso (P530,000.00), bilang kabayaran sa NORTECH sa kanilang serbisyo na pagtataas ng antas ng main feeder lines, na may kabuuang halagang isang milyon siyamnapu’t walong libo apat na raan at apat at 05/100 (P1,098,404.05).

Ang halaga ng cash advance ay maibabalik sa SDCC base sa taunang paghahati-hati ng kita ng MERALCO. Mas mataas na konsumo ng kuryente ng SDCC ay maibabalik ang cash advance sa mas maikling panahon. BR #085 (May 17, 2012-046) – NATCCO DelegatesPinagtibay ng Lupong Patnugutan na ipaalam sa NATCCO sa pamamagitan ng liham na si Gng. Rafaela T. Escuadro, Kagawad ng Lupong Patnugutan at opisyal na representante ng SDCC, ay nagresign na. Kaugnay nito, itinalaga ng Lupon na si Dir. Maria Nelia Rafaela G. De Leon ang maging kapalit ni Gng. Escuadro bilang opisyal na representante ng SDCC at si Dir. Damaso L. Cruz, Jr. ang magiging alternatibong delegado.

BR #086 (May 17, 2012-048) – ACCU Forum on September 7-8, 2012 @ Crown Plaza Galleria, Ortigas, Pasig City Pinagtibay ng Lupong Patnugutan na ipadala sina Chairperson, Dr. Garibaldi O. Leonardo at CEO, Ms. Cielito L. Garrido, MBA, upang dumalo sa ACCU Forum na gaganapin sa September 7-8, 2012.BR #087 (May 17, 2012-051) - MIS COMMITTEE REPORT, re: Issuance of Member NumbersPinagtibay ng Lupong Patnugutan “in principle” ang pagtatalaga ng New Member Number Scheme sa pasubali na kinakailangang magsumite ng kaukulang gastusin para sa nasabing proyekto.

BR #088 (May 17, 2012-053) - NATCCO G.A., May 25, 2012Pinagtibay ng Lupong Patnugutan na ipadala si Dir. Maria Nelia G. De Leon bilang opisyal na delegado at si Dir. Damaso L. Cruz, Jr. bilang alternatibong delegado upang dumalo sa naturang asembliya.

Napagtibay din, sa rekomendasyon ni Dir. Herminio C. Hernandez, na si G. Noli S. Salvador, PDMSS Department Manager, ang maging pangunahing tagapamahala sa pangangampanya para sa Coop-NATCCO Party-list.

June 2012BR #089 (June 7, 2012-039 item #2.1) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng labing dalawang (12) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #090 (June 7, 2012-039 item #2.2) - List of Members Recommended for Termination of Membership in Planong DamayanPinagtibay ng Lupong Patnugutan ang pagtitiwalag sa dalawampu’t siyam (29) na kasapi sa Planong Damayan sa pasubali na bibigyan sila hanggang Hulyo 16, 2012 upang maisaayos ang kanilang obligasyon. Ang sinumang hindi makatupad ay tuluyang ititiwalag sa Planong Damayan.

BR #091 (June 7, 2012-040) - Appointment of Committee MembershipPinagtibay ng Lupong Patnugutan na si Dir. Felipe L. Perida, Jr. ang maging Shepherd Director ng Committee on Business Development (CBD), samantalang si Dir. Marjorie P. Ablaza ang maging Director Shepherd of the Committee on Financial Stability (CFS).

BR #092 (June 7, 2012-041) - Comparative Evaluation Reports of NATCCO and CODISPinagtibay ng Lupong Patnugutan ang rekomendasyon ng CEO, Bb. Cielito L. Garrido, na mag-file ng karagdagang credit line sa halagang Dalawampung Milyon (P20,000,000.00) sa Metro South Cooperative Bank.

1. Apolonio M. Mendoza, Jr2. Evangeline O. Reano3. Camela Chan4. Marilou C. Ferrer5. Nenita J. Jose6. Evelyn Mabag7. Annaliza Macababbad8. Alfredo Bugayong9. Victorino A. Macob10. Glenn C. Cruz11. Garibaldi O. Leonardo, Ph. D.12. Cielito L. Garrido, MBA13. Noli S. Salvador14. Joanna I. Esperanza

Chairman (Appointed by the BOD)Co-Chairman (Appointed by the BOD)Member (from the shorlist)Member ( former CSS member and from the shortlist)Member (from the shortlist)Member (Midwifery/2yrs. MIGS/Vice-Chairman, PT41A)Member (from the shortlist)Project EngineerEx-officio Member Shepherd DirectorEx-officio MemberEx-officio MemberTechnical StaffRecording Secretary

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Ang naturang credit line ay kukuhanin lamang kung may malakihang pangangailan sa ating pagpapa-utang o iba pang serbisyo.

Napagkasunduan din na ang naturang aksyon ay ginawa upang palakasin ang katatayuang pampinansiyal ng SDCC at paghahanda sa lumalaking pangangailan ng ating pagpapa-utang at iba pang serbisyo bilang bahagi ng paglaki ng nasasakupan ng kasapian ng SDCC. Pinagtibay din na simula sa 2013 babaan ang bahagdan na itinatalaga sa tubo ng saping puhunan at balik-tangkilik. Ang bahagdang ibabawas ay idagdag naman sa itinatalaga para sa Reserve Fund. Ang bagong bahagdan ng pagkakahati-hati ay ang sumusunod:

20% - Reserve Fund10% - Education and Training Fund7% - Land and Building Fund3% - Community Development Fund60% - Interest on Capital and Patronage Refund100%

Ang naturang aksyon ay magpapalaki ng pondo para sa Reserve Fund na makakatulong upang lalong maging matatag ang ating kooperatiba. Ito ay bahagi ng ating pagtugon sa rekomendasyon ng CODIS. Ang bagong bahagdan ng paghahati-hati ng linis na kita ay magiging bahagi ng mga plano at program para sa taong 2013 na ihahain at papagtibayin ng Representative Assembly.

Pinagtibay din na ang halagang Limang Milyong Piso (P5,000,000.00) mula sa Social Fund Loan Protection (SFLP) ay ilipat sa Reserve Fund, batay sa rekomendasyon ni Bb. Cielito L. Garrido, MBA, Chief Executive Officer. Ang nasabing halaga ay mula sa naipong pondo mula sa in-house insurance fund para sa utang. Ang pagkakahati-hati ay ang sumusunod:

Net SFLP - P9.08MTo be transfered to Reserve Fund - P5.00MRemaining Balance of SFLP - P4.08M

Ang natirang pondo ay ilalaan para sa mga utang na nasasakop pa ng SFLP hanggang 2015. Batay sa ating karanasan titantantiyang P1.0M kada taon ang makakagamit sa pondo. Noong May 3, 2012, P13.24M na halaga ng pagkaka-utang ang updated at nasasakop pa ng SFLP. Kung sakaling ang halagang P4.08M ay hindi na sapat sa kadahilanang may mga namatay na kasaping may utang at nasasakop ng SFLP, ang kakulangan ay ibabawas mula sa Reserve Fund.

BR #093 (June 7, 2012-042) - WISE MENTOR (5th Revised) Rating SheetPinagtibay na ng Lupong Patnugutan, matapos ang limang beses na pag-aanalisa at pag-aaral, ang rating sheet para sa Wise Mentor.

BR #094 (June 7, 2012-043 item #1) - Request of Mr. Rolando B. De Leon, Crecom Member for one (1) month DefermentPinagtibay ng Lupong Patnugutan ang kahilingan ni G. Rolando B. De Leon na pagliban sa pagbabayad ng kanyang utang (loan deferment) sa loob ng isang (1) buwan dahil sa kanyang karamdaman.

BR #095 (June 7, 2012-043 item #2) - Letter from PqFCC Soliciting Additional Investment Pinagtibay ng Lupong Patnugutan ang paglalagak ng time deposit na nagkakahalaga ng Isang Milyon Isang Daang Libong Piso (P1,100,000.00) lamang sa Parañaque Federation of Cooperatives (PqFCC) na may kaukulang tubo na 5.5% p.a., na ilalagak sa loob ng isang (1) taon.

Ang naturang paglalagak ng time deposit ay pagpapakita ng suporta ng SDCC sa kampanya ng deposito ng PqFCC.

BR #096 (June 7, 2012-043 item #3) - Letter fro SDFDMC soliciting SDCC to become one of the Hermano/Hermana Mayor for 2013Pinagtibay ng Lupong Patnugutan ang kahilingan ng San Dionisio Flores De Mayo Committee (SDFDMC) na ang San Dionisio Credit Cooperative (SDCC) ang siyang maging Hermano/Hermana Mayor para sa San Dionisio Flores De Mayo sa taong 2013 na may kaukulang badyet na hindi lalagpas sa Dalawang Daan at Limampung Libong Piso (P250,000.00) na naka-charge sa Community Development Fund (CGF).

BR #097 (June 7, 2012-044 item #1) - 51st Anniversary Committee Pinagtibay ng Lupong Patnugutan na gawing simple ang pagdiriwang ng ika-51 anibersaryo ng SDCC na may kaukulang badyet na Apat na Raan at Limampung Libong Piso (P450,000.00) na inirekominda ni Bb. Cielito L. Garrido, MBA, Chief Executive Officer. Pinagtiaby din ang pagbuo ng Adhoc Committee on Anniversary na lalahukan nina:

1. Dir. Elvira S. Dandan - Chairperson2. Dir. Alma S. Ferreros - Member3. Dir. Maria Nelia Rafaela G. De Leon - Member 4. Dir. Felipe L. Perida, Jr. - Member5. Mr. Normandy G. Jose - Member

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BR #098 (June 7, 2012-044 item #2) - Appointment of Mr. Felipe L. Perida, Jr. as Newly Appointed Board of DirectorPinagtibay ng Lupong Patnugutan ang pagtatalaga kay G. Felipe L. Perida, Jr. na siyang pumalit sa binakanteng puwesto ni Dir. Rafaela T. Escuadro. Si G. Perida ay manunungkulan hanggang sa matapos ang termino ni Dir. Escuadro sa Marso 2013.

BR #099 (June 7, 2012-044 item #3) - COMELEC ReportPinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyon ng komite sa pamumuno ni Gng. Virginia B. Santos.

1) Na ang Oditor at Sgt.-at-Arms ng PKPTL at District Auditor, Bb. Analiza Macababbad ay italagang Comelec member para sa nalalapit na eleksiyon ng mga Pook-Tulungan Lider sa darating na Agosto ng taong ito.

2) Pagtatalaga kay G. Salvador V. Cuadrato bilang PKPTL Sgt.-at-Arms kapalit ni Bb. Vilma Cruz na nagbitiw sa kanyang tungkulin.

BR #100 (June 21, 2012-056 item #1) - Financial Report as of April 30, 2012Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Tagapamahala na magpatupad ng polisiya tungkol sa pag-re-restructure ng principal na halaga lamang ng delingkwenteng utang ng kasapi na agarang ipapatupad. Ito ay ayon na rin sa rekomendasyon ng NATCCO Consultant..

BR #101 (June 21, 2012-056 item #2) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng walong (8) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #102 (June 21, 2012-056 item #3) - Withdrawal of Member in Planong DamayanPinagtibay ng Lupong Patnugutan ang kahilingan ni Alexander C. Racca na pagtiwalag sa Planong Damayan. BR #103 (June 21, 2012-057 item #1) - Committee on Social Services Pinagtibay ng Lupong Patnugutan rekomendasyon ng komite na ipa-raffle ang lupa at bahay sa ating Housing Project III batay sa mga sumusunod na panuntunan:

1. Ang halaga ng Raffle ticket ay P1,000.00 bawat isa.

2. Ang lahat ng kasapi, hindi kasapi, ibang kooperatiba at organisasyon ay maaaring bumili ng raffle ticket.

Justification: Ang kabuuang bilang ng ating mga kasapi ay hindi sapat upang bumili ng tinatantiyang ipapaimprentang tiket. (Tinantantiyang 1 tiket, 1 kasapi). Base sa ating mga karanasan, hindi natin makokontrol kung ang tiket ay ipagbibili sa kasapi o hindi kasapi.

3. 18,000 pcs. ang tiket na ipapagawa.4. Bawat tiket ay magkakaroon ng hanggang 20

pagkakataon na manalo ng bahay at lupa.5. Hihingiin natin ang tulong ng lahat ng mga

PT Lider, opisyales, kawani at yung mga interesadong kasapi na magbenta ng tiket.

6. Lahat ng 20 unit ng bahay at lupa ay ira-raffle base sa kanilang kinatitirikan. “As is, where is”

7. Magsisimula ang pagbebenta ng mga tiket sa August 2012 at ang grand raffle draw ay gaganapin sa December 2013 (skedyul ng Special Representative Assembly) ngunit maaaring pahabain pa hanggang anim (6) na buwan kung sakaling hindi nakamit ang tinatantiyang bilang ng tiket na mabebenta.

8. Sa araw ng pagbibigay ng napanalunang bahay

at lupa, ang nanalo ay bibigyan ng liham patunay at ang susi ng bahay samantalang ang titulo ay aayusin pa.

9. Sasagutin ng Koop ang gastos sa pagpapalipat ng titulo sa pangalan ng nanalo.

10. Bonus scheme: Sa bawat 20 pcs. na tiket na maibebenta ng ahente, magkakaroon siya ng isang (1) libreng raffle ticket. Ibibigay lamang ang libreng tiket kapag naibigay na ng ahente ang kabuuang bayad ng mga tiket na kanyang naibenta.

11. Ang isang bumili ng maraming tiket at nanalo ng makailang ulit ay pinahihintulutan.

12. Kailangang maipakita ang claim stub sa pagkuha ng kanyang napanalunang bahay at lupa.

13. Ang mga tiket na hindi bayad ay hindi kikilalanin at hindi mapapasali sa raffle.

14. Ang SDCC bilang isang organisasyon ay hindi pahihintulutang bumili ng mga tiket.

Napagtibay din ang mga sumusunod, a] lahat ng mapagbebentahan matapos ibawas ang kaukulang gastusin ay itatabi sa pondong ilalaan para sa susunod na Housing Project; b] lahat ng mga opisyales at kawani ng SDCC ay kinakailangan bumili ng kahit isang (1) raffle tiket at k] lahat ng opisyales ay hinihikayat na magbenta ng kahit tig sampung (10) tiket, ang mga tiket na hindi maibebenta ay kinakailangang maibalik sa koop bago sumapit ang petsa ng raffle.

Ang opisyal na pag-a-anunsiyo ay sa July 28, 2012 at ang Committee on Social Services ang siyang mamamahala sa pagpapaliwanag ng mechanic sa mga PKPTL at District Officer.

BR #104 (June 21, 2012-057 item #2) - ADHOC Committee on 51st AnniversaryPinagtibay ng Lupong Patnugutan na ang maging tema sa 2012 ay “Palawakin: Pagmamahalan, Kalikasan, Kasaganaan at Kapayapaan” at ang magiging panauhing pandangal ay si Dir. Orlando Ravanera, Regional Director ng CDA.

BR #105 (June 21, 2012-057 item #3) - Search and Selection CommitteePinagtibay ng Lupong Patnugutan ang mga dokumentong binago na pagbabatayan ng kwalipikasyon para sa Lupong Patnugutang ng Escuela De San Dionisio, ang nomination form, letter of undertaking, personal data sheet, na inihain ng Search and Selection Committee at itinaas din nila ang nakalaang puntos para sa voluntary involvement sa koop ng may pagwawasto.

1. Voluntary involvement to be evaluated in two (2) aspectsa] Position in the coopb] Number of years of coop involvement,

regardless of position2. During the interview, at least three (3) of the

SDCC Directors will be part of the panelist, viz:a] Chairpersonb] Vice-Chairpersonc] COS Shepherd Directord] Other SDCC Directors may opt to join.

These Directors will make their own grading, independent from the grading of Search and Selection Committee, plus an outsider or guest rater. The evaluation of the SDCC Directors will not be part of the total evaluation of the Search and Selection Committee. Such rating will be used by SDCC to choose from the shortlist of nominees.

3. The functions of the Search and Selection Committee was expanded. The Committee was requested to study the possibility that the Directors of EDSD be elected by the general membership of SDCC.

BR #106 (June 21, 2012-057 item #4) - PKPTL Pinagtibay ng Lupong Patnugutan ang pagtanggap ng mga bagong kasapi mula sa Brgy.

Tambo batay sa rekomendasyon ng Pamunuan ng Kapulungan ng mga Pook Tulungan Lider (PKPTL), subalit kinakailangan silang makapasa batay sa sumusunod na kriterya:

1. Ang lugar na tatangagapan lang ng kasapi ay mula sa Tambo (Boundary Don Galo-Tambo) hanggang sa may Traffic Light lamang sa may eskwelahan.

2. May-ari lamang ng bahay3. Kung nangungupahan ang aplikante, siya

ay dapat nangungupahan sa nasabing lugar sa loob ng dalawa (2) hanggang siyam (9) na taon, ngunit may kamag-anak na kasapi na at kabilang sa MIGS sa loob ng dalawang (2) taon, o nangungupahan sa nasasakupan ng operasyon ng SDCC sa Tambo sa loob ng sampung (10) taon o mahigit pa, ang pangkakaroon ng kamag-anak na kasapi ng SDCC ay hindi na kakailanganin.

JULY 2012BR #107 (July 12, 2012-045 item #1) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “applications for withdrawal of membership” ng labing pitong (17) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #108 (July 12, 2012-045 item #2) - Presentation of Max’s Franchise Package Pinagtibay ng Lupong Patnugutan ang mga sumusunod na suhestiyong nakatala sa ibaba.a. Makipag-ugnayan muna tayo sa mga

kasalukuyang may-ari ng negosyo ng franchising bago nating pasukin ang naturang negosyo.

b. Ipagpatuloy ang nasimulang pag-aaral hinggil dito.

k. Magsumite na tayo ng liham na nagpapahayag na tayo ay interesado sa naturang negosyo.

BR #109 (July 12, 2012-045 item #3) - Status of Moonwalk CooperativePinagtibay ng Lupong Patnugutan ang pagtanggap ng mga bagong kasapi sa Moonwalk sa kadahilang ang naturang kooperatiba dito ay hindi na aktibo at sarado na.

BR #110 (July 12, 2012-045 item #4) - Letter from IMS WELLTH Care Inc.Pinagtibay ng Lupong Patnugutan ang pagtigil ng operasyon ng klinika ng SDCC/IWC simula August 15, 2012, batay sa rekomendayon ng IMS Wellth Care, Inc. Management, sa kadahilanang hindi nakamit ng SDCC ang tinatantiyang bilang ng magpapatala sa naturang programa.

4,130 ang bilang na kinakailangan ng IWC upang maging panapat ang gastusin sa operasyon ng klinika. Ang operasyon lamang ng klinika sa SDCC ang ititigil subalit maaari pa rin magamit ang serbisyo ng ibang klinika na malapit sa SDCC.

BR #111 (July 12, 2012-045 item #5) - New Minimum Wage Order NCR-17Pinagtibay ng Lupong Patnugutan ang pagpapatupad ng bagong Minimum Wage Order NCR-17.

BR #112 (July 12, 2012-046 item #1) - Credit CommitteePinagtibay ng Lupong Patnugtan ang iminungkahing bagong patakaran na ang isang kasapi ay kinakailangang magbigay ng PDC kung ang kanyang uutangin ay nagkakahalaga ng Limang Daang Libong Piso (P500,000.00) o higit pa o hindi kaya ang kabuuang ng kanyang mga utang o uutangin ay aabot sa naturang halaga o higit pa.

BR #113 (July 12, 2012-046 item #2) - Committee on Social Services, re: Update on Housing Project IIIPinagtibay ng Lupong Patnugutan ang detalyeng

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SDCC Housing Project III raffle base sa rekomendasyon ng Committee on Social Services, viz:

A. Objective of the project:• To recover all the capital we invested in SDCC Housing 3 in a short

period of time.• To give a chance to all members and non-members to own a house

and lot in small amount of money.

B. MECHANICS (to be printed at the back of the ticket) Dalawangpung (20) bahay at lupa ang ipapa-raffle na mayroong sukat

na mula 32sq.m hanggang 58sq.m., may floor area na 24 sq.m. ang bawat isa. Ang housing units ay matatagpuan sa Cruz Compd. Int. Lourdes St., Teoville 3 BF Homes, Paranaque City.

• Ang pagbili ng raffle ticket ay bukas sa kasapi man ng SDCC o hindi. (Filipino Citizen, may edad 18 taong gulang pataas) at sa ibang kooperatiba o organisasyon.

• Sagutin ng PALIMBAG ang lahat ng mga datus na nasa kaputol ng ticket. Kung sakaling manalo, ang kaputol nito (original copy) at isang valid ID ang ipapakita sa pag claim ng premyo. Ang tampered at di original ticket ay “null and void”.

• Isang ticket, isang panalo. Mas maraming ticket, mas maraming tsansang manalo.(Multiple winning is allowed for a person/ organization holding more than one raffle ticket)

• Bayad na ticket lamang ang kasali sa draw. • Pingpong balls ang gagamitin sa pag raffle na gaganapin sa SDCC

compound sa harap ng mga authorized representatives ayon sa itinakdang petsa.

Raffle Prizes will be awarded “as is where is • Ang lahat ng raffle ticket na hindi mananalo sa unang draw ay kasali

pa rin sa mga susunod na draw.• Ang mga nanalo ay makakatanggap ng Sertipiko ng Pagkapanalo at

susi ng bahay. Isusunod ang titulo ng bahay at lupa. Ang lahat ng gastos sa pag-sasaayos ng titulo ay sasagutin ng SDCC.

• Ang lahat ng mananalo ay padadalhan ng sulat upang ipaalam na sila ay nanalo.

• Ang pagkuha ng premyo ay hanggang siyamnapung (90) araw lamang simula sa araw na tinanggap ang notice ng pagkapanalo. Makalipas ang takdang panahon na nabanggit at wala nag claim, ang premyo ay mapupunta sa pangalan ng San Dionisio Credit Cooperative.

C. Internal Guidelines and procedures:

1. Will print miximum of 18,000 pcs. of tickets. For security purpose, there is security feature to be indicated on the ticket design.

2. If the claim stub was lost, affidavit of lost will be presented with valid ID.

3. Will tap all PT Leaders, officers ,staff, interested members including other coops/organization in selling the tickets.

4. All 20 units of house and lot will be raffled “As is, where is”5. Start of selling of tickets is on August 1, 2012.6. SDCC as an organization is disqualified in joining the raffle.

D. Manner of Distribution of tickets:

1. Each Pook-Tulungan c/o per District will be given 100pcs. of tickets x 141= 14,100 pcs.

2. The remaining tickets will be distributed to the staff and officers.3. Seller/agent will be given a copy of mechanics of the raffle.4. Seller/agent that sold and remitted the payment for 20 tickets will get

one “free” ticket.

E. Manners of Collection and monitoring of payment:

1. Every Saturday is the schedule of remittance of sale2. In case the seller/agent did not remit the sale on the scheduled date,

it will be followed-up immediately on Monday. In case still there is no remittance, tickets on hand will be checked.

3. There is a logbook to record the name of the seller/agent and numbers of the tickets given to the seller/agent. Receipt of such ticket should be duly acknowledged by the seller/agent by signing on the logbook.

F. We are no longer required to get a DTI permit instead we will get a permit from DSWD.

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First Draw : December 08, 2012Second Draw : July 28, 2013Grand Draw : December 14, 2013

3rd - Blk. 1 Lot. 34th - Blk. 1 Lot. 45th - Blk. 2 Lot. 16th - Blk. 2 Lot. 27th - Blk. 2 Lot. 38th - Blk. 2 Lot. 49th - Blk. 2 Lot. 510th - Blk. 2 Lot. 611th - Blk. 2 Lot. 7

1st housing unit (Blk. 1 Lot. 1)2nd housing unit (Blk. 1 Lot. 2)3rd to 20th housing unit12th - Blk. 2 Lot. 813th – Blk. 3 Lot 114th - Blk. 3 Lot. 215th - Blk. 3 Lot. 316th - Blk. 3 Lot. 417th - Blk. 3 Lot. 518th - Blk. 3 Lot. 619th - Blk. 3 Lot. 720th – Blk. 3 Lot. 8

Requirements for DSWD:- Xerox copy of By-laws/Articles of Cooperation- Programs and Services- Profile of Cooperative- CDA registration- Sample of ticket- Letter of Intent- Letter consent from Bgry. San DionisioNote: All requirements are ready.

G. Suggested Theme for the Raffle Program:

1. “Handog Pabahay mula sa Koop”*2. “Bagong Bahay para sa Bagong Buhay”*3. “Pangarap mo, I-raffle ko”*4. “Pangarap na Pabahay, Biyaya sa Buhay”*

H. All expenses stated below are chargeable to the sale of tickets:

I. Projected Sales: 14, 400 equivalent to 80% of 18,000 pcs. of tickets printed.

J. Result of dialogue with the 3 qualified applicants and members from Silverio. Last July 10, 2012, the Committee met the three qualified applicants and members from Silverio Compound. The 3 qualified applicants: Ms. Aster Zerna, Vilma Ferrer, and Mr. Lorenzo Sta Ana backed-out, while members from Silverio Compound understood the decision of the Board. They also appreciated the decision of the Board that the net proceed from the raffle will be used to fund the next housing project.

BR #114 (July 12, 2012-046 item #3) - PKPTL, re: Acceptance of Members from Manuyo UnoPinagtibay ng Lupong Patnugutan ang pagtanggap ng mga bagong kasapi sa Brgy. Manuyo Uno, Las Pinas City, batay sa rekomendasyon ng Pamunuan ng Kapulungan ng mga Pook Tulungan Lider (PKPTL), alinsunod sa mga sumusunod na kriterya:

1. Tatanggap lamang ng aplikante simula sa hangganan ng Paranaque/Las Pinas hanggang bago sumapit sa Las Pinas National High School only.

2. Ang mga requirement sa pagsapi ay iyong mga nakatala sa SDCC By-Laws

3. Karagdagang kwalipikasyon/requirements:a] Ang aplikante ay dapat may-ari ng bahay at lupa, kinakailangan

ding makapagpakita ng patunay na siya nga ang may-ari nito. (titulo o anuman legal na dokumento).

b] Ang aplikante ay hindi nagmamay-ari ng lupang kinatitirikan ng bahay ngunit siya ang nagpatayo ng bahay at naninirahan na doon ng sampung taon (10) o higit pa, sa pasubali na mayroon siyang maipapakitang legal na dokumento na makapagpapatunay na siya nga ang nagmamay-ari ng bahay.

k] Kung nangungupahan ang aplikante, siya ay dapat nangungupahan sa nasabing lugar sa loob ng dalawa (2) hanggang siyam (9) na taon, ngunit may kamag-anak na kasapi na at kabilang sa MIGS sa loob ng dalawang (2) taon, o nangungupahan sa nasasakupan ng operasyon ng SDCC sa Tambo sa loob ng sampung (10) taon o mahigit pa, ang pagkakaroon ng kamag-anak na kasapi ng SDCC ay hindi na kakailanganin.

Napagtibay din na ang Saping Phunan ng isang kasaping mangungutang ay dapat Labing Limang Libong Piso (P15,000.00) na sa panahong siya ay uutang. Ang polisiyang ito ay ipapatupad simula Hulyo 16, 2012 batay sa rekomendasyon ng Tagapamahala.

Ang polisiyang ito ay ipapatupad sa lahat ng kasapi maging bago o dati nang kasapi kung sila ay mangungutang na.

promotionalprinting of tickets 18,000@ 5 eachthe P 900,000.00 worth of Free tickets (Bonus Scheme)Minor retouching of the house and lotSecurity for 2 yrs. @ P 6,000 amonthinsurance for 2yrs.( 2012-2013) @P 19, 508.80per yr.Real Property Tax for 2 yrs.@ P 30, 000.00Attorney’s Fee re: Transfer of title for 20 unitsPayment for Transfer of Title for 20 units(Capital Gain Tax/Transfer Tax/Doc stamp)@ P 60,000 eachOther related expenses

---------

-

P 50,000.0090,000.00

900,000.00 140,000.00 144,000.00

39,017.6060,000.0023,000.00

1,200,000.0025,000.00

Total P 2,671,017.60

Estimated sales of tickets (80%)Less ExpensesNet SalesLess investment to Housing IIINet Income before cost of moneyMinimum cost of money for 4 yearsNet Income

P 14,400,000.00 2,671,017.60 P 11,728,982.40 10,091,508.79 P 1,637,473.61 1,200,000.00 (P 10.0 M x 3% x 4 years)P 437,473.61

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BR #115 (July 12, 2012-046 item #4) - Committee Financial Stability, re: Proposed Policy on ATM/Deposit ProductPinagtibay ng Lupong Patnugutan ang mungkahing polisiya para sa ATM/Pay Card Deposit product na ilulunsad sa pagdiriwang ng anibersaryo ng SDCC sa darating na July 28, 2012, base sa rekomendasyon ng Committee of Financial Stability, ang pamamantayan ay ang mga sumusunod:

• Member or special depositor should have a maintaining balance of P1,000.00 in the regular Savings Deposit account and it’s non-withdrawable

• P100,000.00 is the maximum amount that can be loaded or deposited to member’s ATM/Paycard deposit account.

• P100 processing fee for every ATM/Paycard issued, at the expense of the member/special depositor.

• Withdrawal from ATM/Paycard deposit account is thru ATM & no over the counter withdrawal.

• Deposits to ATM /Paycard can only be done at SDCC office

• P30,000.00 is the maximum amount that can be withdrawn per day using the ATM/Paycard. NO LIMIT in number of transaction per day.

• ATM /Paycard is a non-interest bearing deposit

• ATM Deposit is not covered by CODIS.• ATM /Paycard can also be used for bills

payment in any establishment (cash-less transaction)

• Deposit of member for ATM/Paycard account is directly posted to MBTC Paycard assigned to member thru internet banking facilities. No individual ledger for such deposit will be maintained by SDCC.

• ATM /Paycard holder is responsible in monitoring his accounts and keeping his transaction slips.

• At the end of the day entries should be made to recognize the transaction.

Entry No. 1. Cash on Hand xxx ATM Deposit xxx 2. ATM Deposit xxx Cash in Bank-MBTC xxx 3. Cash in Bank-MBTC xxx Cash on Hand xxx

• Members availing regular loans amounting to P100,000.00 and below will be encouraged to open and credit their loan net proceeds to ATM/Paycard. Even members without loan can also have an ATM/Paycard Deposit account.

• A form is to be accomplished for the opening of ATM/Paycard deposit & issuance of card.

• ATM/Paycard policy/guidelines in two copies, one for SDCC and one copy for the member, shall be explained to and signed by the member.

• In case of lost ATM/Paycard, it shall be reported to SDCC or MBTC Customer Service Tel. # 898-8000, which ever is applicable. Affidavit of loss is needed and to be submitted to SDCC. Cost of securing an Affidavit of Loss and re-issuance of card for what ever reason shall be shouldered by the member.

• ATM/Paycard can be used to any Metrobank, megalink or bancnet ATM.

• Cut-off Time for Uploading of Deposit done with SDCC

• Signatories of the agreement between SDCC and MBTC are the Chairperson and CEO for SDCC

BR #116 (July 12, 2012-047 item #3) - Solicitation for “Save the Parañaque River Foundation, Inc.”Napagkasunduan ng Lupong Patnugutan na magbigay ng paunang tulong pinansiyal sa halagang Limang Libong Piso (P5,000.00).

BR #117 (July 12, 2012-047 item #4) - Executive Optical, Inc. (EO), re: Memorandum of Agreement Hinilingan ng Lupong Patnugutan ang Tagapamahala na makipag-ugnayan sa Executive Optical (EO) hinggil sa maaari nitong maibigay na diskwento sa mga kasapi kung sakaling makikipag-tie-up ang SDCC sa kanilang kompanya.

BR #118 (July 12, 2012-048 item #1) - Cooperative Week Celebration of EDSDPinagtibay ng Lupong Patnugutan ang kahilingan ng Escuela De San Dionisio (EDSD) na magpadala ng tagapagsalita na magbibigay ng paliwanag tungkol sa kooperatiba, ang mga serbisyo nito, ang maitutulong nito sa pagpapataas ng antas ng tao at ng lipunan at ang relasyon ng SDCC sa EDSD.

Pinagtibay din ang pagsagot ng SDCC sa papremyo na nagkakahalaga ng Limang Libo at Isang Daang Piso (P5,100.00) para sa patimpalak na Poster Making batay na rin sa kahilingan ng EDSD.

Ang kahilingan ito ay kaugnay ng pagseselebra ng EDSD ng kanilang Linggo ng Kooperatiba sa July 23-27, 2012

BR #119 (July 19, 2012-059 item #1) - Financial Report as of May 31, 2012 Pinagtibay ng Lupong Patnugutan ang paglalagay ng mga Extension Office sa Brgy. Tambo, Manuyo Uno, Moonwalk at Clinic/Ipil/Target Ville batay sa rekomendasyon ng Tagapamahala. Sa pakikipagtulungan sa opisina ng Brgy. Moonwalk, ang magiging extension office ay ipapagamit ng libre at ito ay mismong sa multipurpose area ng Barangay. Gayun din sa Brgy. Manuyo Uno na ang ating extension office ay sa loob naman ng opisina ng Barangay. Sa Brgy. Tambo naman ay nakikipag-ugnayan tayo sa parokya ng St. Joseph na makapaglagay ng extension office sa Parish Office. Sa tatlong (3) extension office na nabanggit, sa simula ay ang magiging oras ng opisina ay simula ika-10 ng umaga hanggang ika-12 ng tanghali, Lunes hanggang Biyernes na pamamahalaan ng ating mga Member Support Services Coordinator. Sila ay tatanggap ng mga aplikasyon para sa pagsapi at sasagot sa mga katanungan o paglilinaw. Ang extension office naman sa Clinic/Target/Ipil Ville ay magkakaroon ng mas mahabang oras at pamamahalaan ng isang (1) teller na tatanggap ng mga deposito, bayad sa utang, tutugon sa mga katanungan o paglilinaw, tatanggap ng bayad sa pa-bayad center at iba pang serbisyo na maipapatupad maliban lamang sa pag-withdraw mula sa inimpok na lagak ng kasapi.

BR #120 (July 19, 2012-059 item #2) - Risk Management CommitteePinagtibay ng Lupong Patnugutan ang komposisyon ng naturang komite.

1. Dr. Danilo N Pilar - Chairperson2. Engr. Raymond Joseph L. Salvador - Member3. Rosalina G. Sapungan - Member4. Zenaida A. Alcantara - Member 5. Dir. Glenn C. Cruz - Member6. Cielito L. Garrido, MBA - Member

BR #121 (July 19, 2012-059 item #3) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng apat (4) na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief

(Mondays to Fridays)Authorized/Deposited

Before 9:00 amBefore 1:00 pmBefore 6:00 pmAfter 6:00 pm

Before 9:15 amBefore 1:00 pmBefore 6:00 pmAfter 6:00 pm

Credited w/c is immediately applicable

11:00 am3:00 pm7:45 pm

6:45 am next banking day

10:00 am2:00 pm6:30 pm

10:00 am next banking day

(Saturdays)

Executive Officer.

BR #122 (July 19, 2012-059 item #7) - Incident Report: re: Selling of Deposit and Withdrawal Slip at Paranaque ElementaryInatasan ng Lupong Patnugutan ang Ethics Committee upang siyang mag-aral at magrekominda ng nararapat gawin hinggil sa pangyayaring ito kasama ang kasaping sangkot sa pagbebenta ng ating dokumento.

BR #123 (July 19, 2012-059 item #7) - Case of Ruel Alcayde Pinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyon hinggil sa naturang kaso.

• Magpalabas ng liham na nagpapahayag ng pagtitiwalag kay G. Alcalde dahil sa marami niyang paglabag sa patakaran ng koop bilang isang kawani at isumite ang naturang liham sa DOLE

• Ilagay sa liham na ang sulat ng pagtitiwalag kay G. Alcayde ay natanggap ng kanyang maybahay.

• Ipagbigay alam kay G. Alcayde na ang sulat ay natanggap ng kanyang maybahay.

BR #124 (July 19, 2012-060 item #3) - Mediation and Conciliation CommitteePinagtibay ng Lupong Patnugutan ang komposisyon ng nabanggit na komite.

Merla G. Calma - ChairpersonReynaldo H. Vizcarra - SecretaryLorna S. Pinpin - Member BR #125 (July 19, 2012-060 item #4) - Ethics Committee:Pinagtibay ng Lupong Patnugutan ang komposisyon ng nabanggit na komite.

Regina T. Orcullo - ChairpersonCesar P. Ramirez - SecretaryMa. Evelyn R. Garcia - MemberLaura D. Notarte - Ex-Officio MemberDr. Garibaldi O. Leonardo - Honorary Chairperson

Napagtibay din na ang mga opisyales ng Mediation and Conciliation Committee ay magiging Ex-officio member ng nabanggit na komite.

BR #126 (July 19, 2012-061 item #3) - Authority to Write Marcelo Green CooperativePinagtibay ng Lupong Patnugutan na bigyan ng pahintulot ang Chairperson na sumulat sa naturang kooperatiba upang ipabatid ang ating layunin na mapalaganap ang operasyon ng SDCC sa Marcelo Green.

AUGUST 2012BR #127 (August 16, 2012-064 item #1) - Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng labing isang (11) kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #128 (August 16, 2012-064 item #3) - Report tungkol sa epekto ng Monsoon RainInatasan ng Lupong Patnugutan ang Committee on Social Services sa pamumuno ni G. Apolonio M. Mendoza, Jr. na mag-aral at magrekominda sa Lupong Patnugutan ng programa kung paano makapaghahanda ang bawat distrito sa anumang sakunang darating.

BR #129 (August 16, 2012-064 item #4) - Membership Record Services re: list of members who received final notice on Planong Damayan, recommended for termination of membership in Planong DamayanPinagtibay ng Lupong Patnugutan ang pagtitiwalag sa limampung (50) kasapi sa Planong Damayan sa pasubali na bibigyan sila hanggang August 31, 2012 upang maisaayos ang kanilang obligasyon. Ang sinumang hindi makatupad ay tuluyang ititiwalag sa Planong Damayan.

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BR #130 (August 16, 2012-065 item #1.1) - Social Audit Questionnaire:Napagkasunduan ng Lupong Patnugutan na 25% ng kabuuang populasyon ng bawat PT ang siyang magiging pinakamababang bilang ng mga dapat sumagot sa naturang survey.

BR #131 (August 16, 2012-065 item #1.2) - Comments/Suggestions gathered from Suggestion boxPinagtibay ng Lupong Patnugutan matapos pagbotohan, ang pag-amyenda ng resolusyon na pinagtibay noong July 11, 2012 na naglalaman na ang Share Capital ng isang kasaping mangungutang ay dapat Labing Limang Libong Piso (P15,000.00) sa panahon na siya ay mangungutang na simula August 16, 2012 ay gawing “PRO-RATA” of existing share capital of member-borrower over the required minimum Share Capital of P15,000.00, multiplied by member’s approved credit limit. Result will be the loanable amount of the member-borrower.

Matapos kuhanin ang opinyon ng iba pang direktor na wala noong pulong at pagtibayin sa pamamagitan ng pakikipagtalakayan sa pamamagitan ng telepono, ang nasabing bagong polisiya ay ipapatupad simula AUGUST 18, 2012.

Ang naturang polisiya ay ipapatupad sa lahat ng kasapi, siya man ay bagong kasapi o dati nang kasapi kung siya ay ngayon pa lamang mangungutang. (“FIRST TIME borrower”)

BR #132 (August 16, 2012-065 item #2) - Credit Committee Report:Pinagtibay ng Lupong Patnugutan ang aplikasyon para sa special loan ng isang (1) kasapi sa halagang Isang Milyon Limang Daang Libong Piso (P1,500,000.00) batay sa rekomendasyon ng Credit Committee, sa pasubali na kinakailangan niyang maisumite ang kaukulang dokumento na hinihingi ng Lupon.

BR #133 (August 16, 2012-065 item #3.1) - Postponement of the 9th Annual Stockholders Meeting of the Escuela De San Dionisio, Inc. (EDSD)Pinagtibay ng Lupong Patnugutan ang mga sumusunod na rekomendasyon ng komite sa kadahilang ang mga kinakailangang dokumento sa pagsasagwa ng pantaunang pulong ng EDSD Stockholders’ ay hindi pa nakukumpleto.

1. Pagpapaliban ng Stockholders’s Meeting na nakatakda sa August 23, 2012 ay gagawin sa September 21, 2012

2. Pagpapahaba ng serbisyo ng apat (4) na Kagawad ng Lupong Patnugutan sa loob ng isang (1) buwan hanggang September 21, 2013.

BR #134 (August 16, 2012-065 item #3.1) - Final Result of the Selection of Escuela De San Dionisio Board of DirectorsPinagtibay ng Lupong Patnugutan ang mga sumusunod na nominado sa ilalim ng kategoryang Member-at-Large. Samantalang ang mga magiging nominado sa ilalim ng kategorya ng Academe ay muling tatalakayin at dedesisyunan sa isang espesyal na pulong ng lupon. Member-at-Large RankingPerseverando L. Cruz 1 Josephine Sager 2Gregorio D. Ygnacio, Jr. 3

Binigyan din ng otoridad ang Chairperson, G. Garibaldi O. Leonardo, Ph.D., na bumoto para sa SDCC at siya na din ang inatasang kung paano hahati-hatiin ang share ng SDCC sa lahat ng mga kandidato.

SEPTEMBER 2012BR #135 (September 11, 2012-049 item #1) – Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng labing dalawang (12) kasapi na may iba’t ibang

BR #137 (September 11, 2012-050 item #2) – Credit CommitteePinagtibay ng Lupong Patnugutan ang aplikasyon sa loan ng isang (1) kasapi sa halagang -Isang Milyon Tatlong Daan Labing Dalawang Libo Isang Daan Limampu’t Pitong Piso at 76/100 (P1,312,157.76) batay sa rekomendasyon ng Credit Committee.

BR #138 (September 11, 2012-050 item #5) – Coop-NATCCO Consultancy ProposalPinagtibay ng Lupong Patngutan na kunin ang serbisyo ng naturang grupo sa loob ng isang taon na may kaukulang bayad na Tatlumpung Libong Piso (P30,000.00) kada buwan na may pasubali na maaari nating kanselahin ang kanilang serbisyo matapos ang apat (4) na buwan, ito ay malaking tulong sa paglutas ng ating suliranin sa PAR.

Napagtibay din na si G. Noli S. Salvador, PDMSS Department Manager, ang magiging Pangkalahatang Tagapamahala sa pangangampanya para sa Coop-NATCCO Partylist sa Paranaque.

BR #139 (September 11, 2012-050 item #10) – Education Committee Pinagtibay ng Lupong Patnugutan na ipagpaliban muna ang pagsasagawa ng module para sa roll-out na binabalak gawin sa labas ng SDCC at hintayin muna ang pagsasanay sa Values na isasagawa ni Fr. Anton Pascual sa buwan ng October 2012.

BR #140 (September 20, 2012-068 item #1) - Financial Report as of July 31, 2012Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Chief Executive Officer, Cielito L. Garrido, MBA., na mapababa ang Portfolio At Risk (PAR) sa pamamagitan ng pagpapatupad sa renewal of loan, kasama ang special loan ng mga kasaping may delingkwenteng utang sa pasubali na ang kasapi ay may kakayahang magbayad. Ito ay isang opsyon para sa kasaping walang kakayahang magpabigay ng karagdagang halaga para sa charges:

1. Applicable to all purposes of loans, including special loan.

2. No retention to savings and share capital and no interest & fines on old loans to be added, since it is a delinquent loan being renewed to extend the term of the loan.

3. If special loan, no need for the cancellation and another annotation of TCT, since same collateral shall be used. However, an affidavit shall be executed by the member to support the new loan documents that such loan is just to pay-off delinquent account and same collateral shall be used.

kadahilanan,sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #136 (September 11, 2012-050 item #1) – Search and Selection Committee (EDSD)Pinagtibay ng Lupong Patnugutan ang siyam (9) na magiging kagawad ng Lupong Patnugutan ng EDSD na ihahain sa Annual Stockholders Meeting.

Academe: Ms. Helen Jayalin Ms. Lina PerezAt-Large: Mr. Perseverando D. Cruz Ms. Josephine Sager

Nakatala sa ibaba ang magiging ranggo ng mga kasalukuyan at bagong opisyales at ang pagkakahati-hati ng boto ng SDCC.

Names:Mr. Perseverando D. CruzDir. Herminio C, HernandezMrs. Evelyn R. LuchingMs. Carmelita SabinoMs. Zenaida AlcantaraMs. Helen JayalinMs. Asuncion PascualMs. Lina PerezMs. Josephine Sager

Rank123456777

Equivalent Votes5,9475,0974,2483,3982,5491,699

849849849

4. There shall be no cash out and the purpose of loan shall be to pay-off delinquent account.

5. Term for regular loan is maximum of 36 months and for special loan term would be based on the bracket of loan.

6. Since this will be coming from a delinquent account, the policy on Non-MIGS will not apply, and the member must execute an undertaking that in case of non-payment equivalent to 20% of this renewed l o a n , member is aware that his loan account will be automatically forwarded to legal and for filing to court for collection.

BR #141 (September 20, 2012-068 item #6) - Withdrawal for Planong DamayanPinagtibay ng Lupong Patnugutan ang kahilingan nina Bb. Anna Denise G. Zuluaga at G. James Dharic G. Zuluaga na pagtiwalag sa Planong Damayan.

BR #142 (September 20, 2012-068 item #7) - Space for Lease/Rent at SDCCPinagtibay ng Lupong Patnugutan ang rekomendasyon ng CEO na paupahan ang lugar na binakante ng IMS Clinic nang maging kapakipakinabang ang nabanggit na lugar.

BR #143 (September 20, 2012-069 item #2.A) - Loan Application/s for ApprovalPinagtibay ng Lupong Patnugutan ang aplikasyon para sa special loan ng isang (1) kasapi (sa halagang Dalawang Milyon Limang Daang Libong Piso (P2,500,000.00) batay sa rekomendasyon ng Credit Committee BR #144 (September 20, 2012-069 item #3.A) - Resignation of Ms. Evelyn E. Mago as Member of the Committee on ElectionPinagtibay ng Lupong Patnugutan ang kahilingan ni Gng. Evelyn E. Mago na pagbibitiw sa kanyang katungkulan.

Inatasan ang Lupon na magrekominda ng magiging kapalit ni Gng. Mago.

BR #145 (September 20, 2012-069 item #5.A) – PKPTL Report re: Social Investigation Report, Sampaguita Hills, Barangay Marcelo GreenPinagtibay ng Lupong Patnugutan ang rekomendasyon ng PKPTL na pagtanggap ng mga bagong kasapi mula sa Sampaguita Hills, Barangay Marcelo Green.

BR #146 (September 20, 2012-069 item #7.A) - CBD report re: Proposal for Livelihood ProjectPinagtibay ng Lupong Patnugutan ang mungkahing Livelihood Program with micro-finance assistance na pinamagatang “selling of Processed Meat” na inirekominda ng Committee on Business Development.

Ang pondo ng nabanggit na proyekto ay manggagaling sa Special Allotment Release Order BMB-G-12-T000003144 na nagkakahalaga ng Isang daang libong piso (P100,000.00), mula sa Priority Development Assistance Fund (PDAF) ni Congressman Jose R. Ping-ay.

Ang naturang pondo ay babantayan at iaawdit ng Commission on Audit. Anumang sobrang pondo ay ibabalik sa Cooperative Development Authority, ang ahensiya ng gobyerno na ng proseso ng pagre-release ng pondo.

Ang magiging partisipasyon ng SDCC sa naturang proyekto ay hindi bababa sa 20% ng kabuuang Special Allotment. Ang naturang proyekto ay ipapatupad sa loob ng tatlong taon na tinatantiyang apatnapu’t limang kasapi ang mabebenipisyuhan nito.

BR #147 (September 20, 2012-069 item #8.1) - Risk Management Committee re: Action Plan of Risk Management Committee Pinagtibay ng Lupong Patnugutan ang skedyul na inihain ng Risk Management Committee.

BR #148 (September 20, 2012-069 item #8.1) –

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Letter from UMMC, re: “CETF Partners” among the Primary Coops to fund training activitiesPinagtibay ng Lupong Patnugutan ang partnership sa pagitan ng SDCC at CLIMBS sa pagbibigay ng mga pagsasanay sa pamamagitan ng pagreremit ng CETF sang-ayon sa sumusunod na bahagdang nakatala sa ibaba:

1. Kung ang linis na kita ng SDCC ay maganda, ang CETF na ibibigay sa CLIMBS ay P100,000.00, kung hindi kagandahan ang CETF ibibigay ay P50,000.00.

2. Ito ay ipapatupad simula taong 2012 base sa itatakda ng CEO.

BR #149 (September 20, 2012-069 item #11) – Letter from Ms. Lea Gomez, re: Leave of AbsencePinagtibay ng Lupong Patnugutan ang kahilingan ni Gng. Lea Gomez, HR/OD Consultant para sa indefinite leave of absence simula September 13, 2012. Naghabilin siya ng mga instruksiyon para sa gawaing pang klerikal at teknikal. Magpapadala siya ng mga update kaugnay ng kanyang proyekto sa mga susunod na araw bago siya umalis patungong Amerika at action plan habang wala siya.

Kinakailangan niyang bumalik sa Estados Unidos upang mabantayan ang kanyang ina na muling naospital at nasa kritikal na kondisyon sa ngayon.

BR #150 (September 20, 2012-069 item #11) – Letter from UMMC, re: Ms. Elvira S. Dandan was appointed as Treasurer and Ms. Evelyn R. Luching as UMMC member of the Board of DirectorsPinagtibay ng Lupong Patnugutan ang pagtatalaga kina Dir. Elvira S. Dandan bilang Ingat-Yaman at Gng. Evelyn R. Luching bilang Kagawad ng Lupong Patnugutan ng Union of Metro Manila Cooperatives (UMMC).

OCTOBER 25, 2012BR #151 (October 18, 2012-072 item #2) – Applications for Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng dalawampu’t isang (21) kasapi na may iba’t ibang kadahilanan,sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

BR #152 (October 18, 2012-072 item #5) – List of Members who received Final Notice on Planong Damayan (cut-off period, June 30, 2011)Pinagtibay ng Lupong Patnugutan ang pagtitiwalag sa walumpu’t pitong (87) kasapi sa Planong Damayan sa pasubali na bibigyan sila hanggang November 15, 2012 upang maisaayos ang kanilang obligasyon. Ang sinumang hindi makatupad ay tuluyang ititiwalag sa Planong Damayan.

BR #153 (October 18, 2012-072 item #6) – Accounts for write-off Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng Lupon sa Awdit na i-write-off ang isang daan at sampung (110) kasapi sa kadahilanan ng hindi pagbabayad ng kanilang obligasyon sa SDCC.

BR #154 (October 18, 2012-072 item #10) – Proposed Christmas Gift for Officers and Christmas Bonus for EmployeesPinagtibay ng Lupong Patnugutan ang rekomendasyon ng Tagapamahala tungkol Christmas Bonus/gift para sa mga empleyado at mga opisyales katulad ng ibinigay noong nakarang taon (2011), ito ay ipagkakaloob sa o bago sumapit ang Nobyembre 15, 2012.

BR #155 (October 18, 2012-073 item #1) – Audit CommitteePinagtibay ng Lupong Patnugutang ang rekomendasyon ng komite na i-reclassify ng account ang investment ng SDCC sa Enabling Solutions, Inc. mula sa Non-Current Asset-Other Funds & Deposits ay ililipat sa Other Receivables

account. Ito ay upang maproteksyunan ang interes ng mga kasapi.

BR #156 (October 18, 2012-073 item #2) – Credit CommitteePinagtibay ng Lupong Patnugutan ang special loan ng isang (1) kasapi na may halagang Isang Milyon Dalawang Daan Walumpu’t Limang Libo Anim na Raan at Tatlumpu’t Dalawang Piso (P1,285,632.00) batay sa rekomendasyon ng Credit Committee.

BR #157 (October 18, 2012-073 item #3) – Election CommitteePinagtibay ng Lupong Patnugutan ang paghirang kay G. Fernando S. Cortez bilang Kagawad ng komite na siyang papalit sa binakanteng puwesto ni Gng. Evelyn E. Mago. Si G. Cortez ay manunungkulan simula October 22, 2012 hanggang April 12, 2013, batay sa rekomedasyon ng Election Committee.

BR #158 (October 18, 2012-073 item #6) – MIS CommitteePinagtibay ng Lupong Patnugutan ang disenyo ng Recruitment System na inihain ng Komite. Ang ulat ay naglalaman ng mga sumusunod:

1) Pangkalahatang mga alituntunin sa pagpapatupad ng recruitment system;

2) Mga Pamamaraan;3) Ditelyadong disenyo ng input at output

screens, forms at mga ulat;4) Istruktura ng mga talahanayan ng database.

Bahagi ng ulat ay ang bahagi ng organisasyon na may kaukulang tungkuling gagampanan sa recruitment system, sila ay ang mga sumusunod:

* Pook-Tulungan* District Council * PKPTL* Board of Directors* Membership Unit* EDCOM/Training Department

BR #159 (October 25, 2012-049) – Presentation and Approval of Proposed Budget for 2013Napagkasunduan at pinagtibay ng Lupong Patnugutan ang mungkahing badyet para sa taong 2013 sang-ayon sa mga sumusunod na pagbabago:

1. Gawing P850 Million ang tinatantiyang maipapa-utang

2. Pag-aralan at analisahing muli ang bahagdan ng mga gastusin

3. Gawing (2) kolum ang ulat para sa mga kasapi upang madaling maintindihan ang mga ulat

BR #160 (October 25, 2012-050) – Proposal on Pang-Pasko LoanPinagtibay ng Lupong Patnugutan ang rekomendasyon ni Bb. Cielito L. Garrido, CEO, tungkol sa mungkahing paglulunsad ng special loan product na tatawaging “Pang-Pasko Loan” na may sumusunod na panuntunan:

1. Member’s initial credit line (12 mos.) or maximum of P10,000.00, whichever amount is lower.

2. Payable within three (3) months.3. Subject to 1.5% p.a. interest, (based on

diminishing balance), service fee and CLPP4. NO retention on share capital and savings

deposit.5. Member should have at least 12 months

of good credit record, meaning no delay in payment for the last 12 months after considering the grace period, based on his latest loan.

6. Debt-to-income (DTI) ratio is up to 65% only.

7. Can still be availed even with outstanding loan, provided loan is updated and no delay for the last 12 months.

8. NO collateral required.9. Member’s share capital should be updated.10. For Non-MIGS, the 70% policy will apply.

11. No multiple availment of Pang-Pasko loan.12. “Pang-Pasko loan” is effective on November

1, 2012 to December 31, 2012 only.

BR #161 (October 25, 2012-052) – Comelec Report:Pinagtibay ng Lupong Patnugutan ang mga sumusunod na suhestiyon:

1. Ang panunumpa ng bagong halal na PT Lider ay ganapin sa November 11, 2012 samantalang ang mga bagong halal na District at PKPTL Officers ay gaganapin sa December 8, 2012 pagtapos ng Special Representative Assembly (RA).

2. Ang pagtatalaga ng mga bagong opisyales ng kooperatiba ay gaganapin pagkatapos ng organizational meeting sa March 27, 2013, sapagkat nakapanumpa na rin sila sa naturang pulong.

BR #162 (October 25, 2012-053) – CMAP Bowling Tournament 2012Napagkasunduan ng Lupong Patnugutan na magpadala ng delegado sa CMAP Bowling Tournament sa November 10, 2012 na gaganapin sa 3/F Makati Cinema Square, Pasong Tamo, Makati City. Inatasan din ang Tagapamahala na siyang pumili ng ipapadalang delegado. NOVEMBER 2012BR #163 (November 19, 2012-054) – House Resolution #’s 1611,2305,1558 &2070 (Inquiry on the Impact of Reclamation Projects)Napagkasunduan ng Lupong Patnugutan na dumalo ang mga Director kasama ang CEO sa gaganaping Congressional Hearing sa November 21, 2012 sa Conference Rm. 5, Speaker Ramon V. Mitra, Jr. Bldg., House of Representative, Quezon City.

BR #164 (November 22, 2012-076 item #1) – Credit Committee, re: Request for the Approval of Understudy in Credit Committee:Pinagtibay ng Lupong Patnugutan ang rekomendasyon ng komite na magkaroon ng understudy member sa katauhan ng mga sumusunod:

1. Ms. Maricel S. Sabado2. Ms. Veronica T. Aberion3. Ms. Alicia C. Salvador4. Leonila V. Gonzaga

Ang naturang rekomedasyon ay paghahanda para sa mga kasalukuyang opisyales ng komite na nagnanais na kumandidato sa mas mataas na posisyon sa liderato ng SDCC.

BR #165 (November 22, 2012-076 item #2) – Executive Committee: Proposed Construction of the 2nd Floor of Satellite Office (Pls see report)Pinagtibay ng Lupong Patnugutan na ipagawa na ang 2nd floor ng Satellite office na matatagpuan sa Dr. A. Santos Ave., cor. Santos Compd., San Isidro, Parañaque City, sa pasubali na sasailalim sa bidding ang pagpili ng gagawa nito.

Napagtibay din na bayaran ang architect’s fee na nagkakahalaga ng Walumpung Libong Piso (P80,000.00) na kumakatawan sa tatlong bahagdan (3%) lamang ng kabuuang halaga ng magagastos. BR #166 (November 22, 2012-076 item #4.A) – Committee of Social Services, re: A. Proposed Amendments on Guidelines of Planong Damayan and Additional Incentives for Agents of SDCC Housing Raffle Tickets:Pinagtibay ng Lupong Patnugutan ang inamendyahang mga alituntunin para sa Planong Damayan simula December 1, 2012 batay sa rekomedasyon ng Committee on Social Services.

1. Ang mga dati ng kasapi at hindi pa nakakapagpatala sa program ay pahihintulutang makapag-patala.

2. Hindi lalagpas sa 60 yrs. Old ang edad ng magpapatala.

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3. Kinakailangan malusog ang pangangatawan at nasa wastong pag-iisip4. Updated sa Share Capital5. Magbabayad siya ng P1,000 para sa multa at P500 para enrollment fee.

Ang nasabing aksyon ay pinagtibay upang matugunan ang kahilingan ng ating mga kasapi na buksang muli ang pagpapatala sa Planong Damayan ng mga matagal nang kasapi. Napagtibay din ang mungkahing karagdagang insentibo para sa mga ahente ng SDCC Housing Raffle, na ipapatupad simula January 1, 2013 batay sa rekomendasyon ng Committee on Social Services (CSS).

1. Kikilalanin ang limang (5) ahente na may pinakamaraming naibentang tiket kada bola.

2. Upang makasali, ang ahente ay kinakailangan makabenta ng hindi bababa sa limang (5) booklet ng tiket para sa ikalawang bola samantalang sampung (10) booklet ng tiket para sa grand draw.

3. Ang mapipiling limang (5) ahenteng may pinakamaraming benta sa kada bola ay bibigyan ng karagdagang regalo.

Ang hakbang na ito ay ginawa upang mahikayat ang mga ahente na higit pang sipagin makapagbenta ng mas maraming tiket.

BR #167 (November 22, 2012-076 item #4.B) – Proposed Incentives & Loan SchemePinagtibay ng Lupong Patnugutan ang rekomendasyon ng Committee on Social Services (CSS) na may layuning magbunsod ng pagbebenta ng raffle tiket sa pamamagitan ng mga sumusunod:

A. Incentive Points on MIGS Grade Mechanics:

A.1. Every purchase of 1 raffle ticket gets an additional 2 points on MIGS.

A.2. More tickets, more points to earn.A.3. Counting of points will based on the cut-off of MIGS. (June and

Dec cut-off) Ex. Jan.-June, member bought a 5 raffle tickets he/she will earn an additional 10 points on her MIGS grade for the June cut-off. His/her points will no longer be counted on the next cut-off of December, he/she will need to buy again a raffle ticket to earn new points.

A.4. Target implementation is from January to December 2013 only.

B. “Loan scheme” of the raffle tickets. Mechanics:

B.1. Tickets through loan.B.2. Terms of payment is before the raffle dates.B.3. MIGS and NON-MIGS are qualified to avail the loan.B.4. Current interest rate will follow.B.5. With service charged and CLPP.B.6. Provided within the credit limit

Ang hakbang na ito ay ginawa upang mahikayat ang mga ahente na higit pang sipagin makapagbenta ng mas maraming tiket at maibenta lahat ang mga tiket na ipinalimbag.

BR #168 (November 22, 2012-076 item #5) – Withdrawal of MembershipPinagtibay ng Lupong Patnugutan ang “application for withdrawal of membership” ng labing siyam (19) na kasapi na may iba’t ibang kadahilanan, sa rekomendasyon ni Bb. Cielito L. Garrido, Chief Executive Officer.

Pinagtibay din na ikokonsidera na napagtibay na ang kahilingan sa pagtiwalag sa kasapian kapag ang aplikante ay sumailalim na sa pakikipanayam sa Chairperson o sinuman sa mga Kagawad ng Lupong Patnugutan na makakapanayam kapalit ng Chairperson.

Binigyan ng kapahintulutan ang Chief Executive Officer na ibigay ang anumang share capital at deposito ng tumitiwalag na kasapi matapos ibawas ang kaukulang dapat bayaran sa SDCC at nakapanayam na ng Chairperson o sino mang Kagawad ng Lupong Patnugutan at talagang desidido ang aplikante na ituloy ang pagtiwalag sa koop.

Ang hakbang na ito ay ginawa upang matugunan ang pangangailangan ng kasaping tumitiwalag at upang patuloy na mapaganda at mapagbuti ang ating serbisyo kahit na ang kasapi ay tumitiwalag na sa kooperatiba.

BR #169 (November 22, 2012-076 item #6) – Withdrawal from Planong Damayan, Wilfredo CruzPinagtibay ng Lupong Patnugutan ang kahilingan ni G. Wilfredo Cruz na pagtiwalag sa Planong Damayan sa lalong madaling panahon.

BR #170 (November 22, 2012-076 item #7) – Letter from District 3830 Rotary Homes Paranaque Foundation, Inc., re: Asking Financial Donation.Pinagtibay ng Lupong Patnugutan ang gastusin sa pagpapatayo ng isang (1) bahay sa Rotary Home na nagkakahalaga ng Isang Daan at Tatlumpung Libong Piso (P130,000.00) na proyekto ng District 3830 Rotary Homes Parañaque Foundation, Inc., ay sasagutin ng SDCC at ang naturang halaga

ay ibabawas sa Community Development Fund (CDF).Ang naturang hakbang ay pagpapakita ng suporta ng SDCC sa proyekto ng Rotary Homes na ang adhikain ay ang mga sumusunod:

• The construction of 1,500 homes within the next five to seven years in a 4.2 hectare Parañaque City government property along the C5 extension near the airport where the informal settlers along the river could be relocated; and,

• Developing it into a living, loving and caring community wherein aside from the decent homes, also to be constructed within this village-community will a multipurpose centre, a park and health educational centre.

BR #171 (November 22, 2012-076 item #8) – Incident Report, re: Person who Trespassed @ SDCC Premises: Pinagtibay ng Lupong Patnugutan na bigyan ng pagkilala sa ipinakitang katapangan ni G. Bernardo Estantilla sa pagganap ng kanyang tungkulin at pagpapamalas ng pagmamahal at malasakit sa kooperatiba at isang espesyal na pagkilala para kay Dir. Herminio C. Hernandez para sa kanyang buong pusong dedikasyon at walang humpay na pagseserbisyo sa kooperatiba sa loob ng limampung (51) taon.

BR #172 (November 22, 2012-076 item #9) – CLIMBS, re: Invitation to Chairperson, Dr. Garibaldi O. Leonardo as member of the CORE Group.Pinagtibay ng Lupong Patnugutan ang kahilingan ng CLIMBS na maging bahagi ng Core group para sa kanilang binabalak na pagtatayo ng Condominium na gaganapin sa December 11, 2012 Cebu CFI Building, Cebu City sina G. Garibaldi O. Leonardo, Ph.D.- Chairperson at Bb. Cielito L. Garrido, MBA – CEO.

BR #173 (November 26, 2012-054) – Presentation of Diagnostic ReportPinagtibay ng Lupong Patnugutan ang pakikipagtulungan sa NATCCO Team na maianalisa ang PAR ng SDCC lalong lalo na ung 100 delinquent accounts. Upang maisagawa ito, ang mga detalye ay ibibigay sa NATCCO team.

DECEMBER 2012BR #174 (December 6, 2012-073) - Joint Meeting of SDCC & EDSD Board of Directors:Pinagtibay ng Lupong Patnugutan ang pagbuo ng Technical Working Group sa pagitan ng SDCC at EDSD na ang pangunahing tungkulin ay sama-samang pag-aralan ang detalyadong pangangailangan ng EDSD at ang pag-i-iskedyul ng mga gawain o aktibidades upang maging maayos ang pamamahala at kung sa hinaharap ay kakailanganin ng EDSD nang karagdagang silid-aralan, ito ay ipapatayo sa likod ng gusali ng SDCC samantalang ang daan sa Pre-school area ay bubuksan upang lumuwag ang daanan.

Ang technical working group ay binubuo ng mga sumusunod na representante ng bawat panig:

BR #175 (December 6, 2012-074 item A) - Aflatoun Program of NATCCO:Pinagtibay ng Lupong Patngutan na ang SDCC ay maging Cooperative partner ng NATCCO sa pagpapatupad ng kanilang programa dito sa lungsod ng Parañaque City na may kaukulang bayad na P35,000.00 subsidized fee.

Nakatala sa ibaba ang iba’t-ibang aktibidades na gagawin ng NATCCO sa pagpapatupad ng Aflatoun Program.

1. Meeting with the Stakeholders which include the Division Superintendent in the City, school principals, PTA, and the coop.

2. Training of teachers on social and financial education.3. Orientation with the parents for the program.4. Launching the program and organizing the savings activity in schools.5. Facilitating the Aflatoun camps for children.6. Provide designs of the marketing collaterals for the program.7. Monitoring and evaluation activities.

BR #176 (December 6, 2012-074 item B.1) - New Criteria for PTL’s Incentives in 2013Pinagtibay ng Lupong Patnugutan ang pagbabago sa criteria on performance incentives para sa mga Pook-Tulungan Lider simula sa taong 2013 batay sa rekomendasyon ng PKPTL.

Escuela De San Dionisio, Inc. 1. Ms. Carmelita C. Sabino2. Mr. Herminio C. Hernandez3. Ms. Evelyn R. Luching4. Ms. Evelyn A. Trinidad5. Ms. Alicia L. De Leon6. Ms. Jerrylyn Manalo

San Dionisio Credit Cooperative 1. Mr. Garibaldi O. Leonardo, Ph.D.2. Mr. Damaso L. Cruz, Jr.3. Ms. Cielito L. Garrido, MBA

- Chairperson- Vice-Chairperson- President/CEO- Comptroller- Principal- Teacher/Recording Secretary

- Chairperson- Vice-Chairperson- Chief Executive Officer

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24

App

rove

d B

oard

Res

olutio

ns fo

r 2

012

NEW CRITERIAEffective 2013

OLDCRITERIA

1. Participation in Cooperative Meetings:

1.1 Conducted at least four (4) P.T. Meetings with a simple majority attendance – 5% every meeting

1.2 Have voted in the General Election with at least 50% attendance

1.3 Have participated in the Representative Assembly for the Chairman and for the (4) P.T. Leaders have participated in Christmas Party

1.4 Have attended in at least three (3) Kapulungan ng mga Pook-Tulungan Lider – 5% per Kapulungan

1. Have attended in the semi-annual conduct of Kapulungan (5% per Kapulungan)

2. Participation in the Coop activities

2.1 Have attended at least two (2) kinds of seminars

2.2 Have participated in at least one (1) Coop Social Activity

3. Participation/support in the Flagship Program:

3.1 Have recruited at least two (2) new members

1. If recruited two (2) or more

1. If recruited at least one (1) [special consideration]

3.2 50%-59% of members in their respective PT are MIGS 60% and up of members in their respective PT are MIGS [additional bonus points]

3.3 Have attained a good/updated credit record on all loans as per cut-off period

TOTAL

20%

10%

10%

15%

5%

5%

20%

15%

20%

n/a

5% - participated in RA 5% - participated in Special R.A.

10%

5%

5%

20%

5%

15%

5%

15%

100%

Napagtibay din na ngayong 2012, ang cut-off period sa pagre-recruit at pagbabayad ng utang ay pahahabain hanggang December 29, 2012 kaya ang pagbibigay ng insentibo ay sa January 2013. BR #177 (December 6, 2012-074 item B.2) - Accepting Members from MASVILLEPinagtibay ng Lupong Patnugutan ang pagtanggap ng mga bagong kasapi mula sa Masville, Parañaque City batay sa rekomendasyon ng PKPTL, sa pasubali na dapat ay makapasa ang aplikante sa mga sumusunod na patakaran.

1. Applicant must be 18-59 years of age only.2. Legitimate owner of the house he/she is

residing.3. If within one (1) year, the performance

of the homeowners who had been our members were good, we can accept those applicant/s who are renting in the said area for two (2) years or more, provided he/she has a good record in the said community.

Ang nasabing lugar ay magiging bahagi PT 56-E1 na pinamumunuan ni Bb. Milet Sylvia Biñas o PT 70 sa ilalim ng merging of Pook-Tulungan.

BR #178 (December 6, 2012-074 item C) - Proposed Delinquency Measures:Pinagtibay ng Lupong Patnugutan ang mungkahing Delinquency measures na nakatala sa ibaba batay sa rekomendasyon ni Bb. Cielito L. Garrido, CEO. 1. Prioritizing accounts with small arrears

(on- going).2. Negotiating with those members who have

share capital and total deposits equivalent to or less than P5,000 difference against their outstanding loan balance. Encouraging concerned members to restructure or renew their loans thru “add on of Service Fee and CLPP” or to apply their share capital and deposits to their loans. 882 members are involved, total loan balance of P12.99M and total SC and deposits of P24.07M.

3. Restructure or renew delinquent accounts thru “add on” of Service Fee and CLPP. This is an additional and clearer provision to the previous approved measure:

a. If on or before December 29, 2012,

an interest rate on loan of 1.5%, based on diminishing balance, applicable service fee and CLPP depending on the terms of payment and a maximum term of five (5) years if it’s a delinquent regular loan and for delinquent special loan, maximum term

for special loan or five (5) years, whichever is longer, could be availed, depending on the amount and purpose of special loan. Likewise, same rate and computation of charges for special loan.

b. If after December 29, 2012, the same

provision as stated in letter a, except for different interest 7rate on loans:

Term of 36 months and below 2.0% per month 37 months to 48 months 2.25% per month 49 months to 60 months 2.50% per month

4. Voluntary surrender of collateral, SDCC to sell or buy member’s property, in order to pay-off loan. But shall be supported with an undertaking executed by the member

5. Collateral if earning (escrow), maybe temporarily managed by SDCC until loan is paid. (example, house for rent, ATM, etc.) But shall be supported by an undertaking executed by the member.

6. Group accounts into per household for analysis of exposure per family.

7. Reverting loan type from credit limit to type of loan per purpose. (ex. Car loan, pang-pasko loan, etc,).

8. Overhaul credit risk evaluation criteria.9. Review policy on credit limit and availment,

especially for accounts that become DL.10. Research how many members are

borrowing from ASA Foundation and other MFI’s.

11. PDMSS Department to be provided immediately a copy of delinquent members in the newly opened areas of operation (Tambo, Moonwalk, Manuyo Uno, Ipil, etc.) and vice-versa.

Napagtibay din na magkakaroon ng intervention sa pagpapatupad ng nabanggit na measures upang masolusyunan ang ating delinquency problem.

BR #179 (December 6, 2012-074 item D) - Executive Committee Report:Pinagtibay ng Lupong Patnugutan na i-award ang concreting of suspended slab using metal deck sa paglalagay ng ikalawang palapag ng Satellite Office na matatagpuan sa Dr. A. Santos Ave., cor. Santos Compound, San Isidro, Parañaque City, sa PM Pacia Construction, sa pasubali na makikipagnegosasyon upang makakuha ng diskwento sa kabuuang halagang magagastos.

BR #180 (December 6, 2012-074 item E) - Withdrawal from Planong Damayan, Marites C. Cruz

Pinagtibay ng Lupong Patnugutan ang kahilingan ni Bb. Marites C. Cruz na pagtiwalag sa Planong Damayan.

BR #181 (December 6, 2012-074 item F) - District Chairpersons & Officers IncentivePinagtibay ng Lupong Patnugutan ang pagbibigay ng Christmas gifts sa District Officers sa pamamaraang nakatala sa ibaba batay sa rekomendasyon ng Chief Executive Officer, Cielito L. Garrido, MBA.

A. For District Chairmen Two Thousand Pesos (P2,000.00) cash plus one (1) pc. of Ham while the other District Officers will be given in kind of one (1) pc. Ham and Cheddar Cheese, amount which will not exceed Five Hundred (P500.00) Pesos only.

Ang nasabing hakbang ay ginawa sa diwa ng kapaskuhan. BR #182 (December 20, 2012-079 item B.1) - Audit Committee (Enabling Solution, Inc.)Pinagtibay at inatasan ng Lupong Patnugutan ang Tagapamahala, Bb. Cielito L. Garrido, na makipag-ugnayan kay G. Romy Villamin hinggil sa desisyon ng Lupon na tanungin si G. Villamin kung magkano ang kaya niyang ibayad buwan-buwan sa inilagak na pamumuhunan ng SDCC sa kanyang kompanya (ESI). Kung sakaling hindi pa kakayanin ni G. Villamin na makabayad ng pera, maaaring isuhestiyon ni Bb. Garrido na bayaran ito sa pamamagitan ng pagbibigay serbisyo sa pagsasagawa ng mga pagsasanay o serbisyo sa pagkukulsulta sa pasubali na pagtitibayin ito ng SDCC.

BR #183 (December 20, 2012-079 item B.2) - MIS CommitteePinagtibay ng Lupong Patnugutan na ang Direktor na pumapatnubay sa isang komite ay gaganap na Tagapangulo din ng naturang komite. Bago kanselahin ang pulong ay dapat munang liwanagin sa Tagapangulo at Direktor na pumapatnubay upang makakuha ng kanilang pagsang-ayon. Napagkasunduan din na magsagawa ng panlahatang pulong para sa MIS Recruitment System sa darating na January 2013.

BR #184 (December 20, 2012-079 item B.7) - Seminar on Business Orientation and Values FormationInatasan ng Lupong Patnugutan ang Committee on Business Development na magsagawa ng buwang pagpupulong sa mga nabenepisyuhan ng nasabing proyekto.

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Approved B

oard Resolutions for 2

012

BR #185 (December 20, 2012-079 item B.9) - CLIMBS, re: Invitation to Chairperson, Dr. Garibaldi O. Leonardo as member of the CORE Group Pinagtibay ng Lupong Patnugutan na ipadala ang mga sumusunod na Direktor at ang Tagapamahala upang dumalo sa isang pagsasanay na pinamagatang “Cooperative Issues, We Must Resolve Today” na gaganapin sa January 10-11, 2013 sa CLIMBS Institute for Financial Literacy Training Center, CLIMBS Head Office, Zone 5, Upper Bulua, Cagayan de Oro City, viz:

1. Mr. Garibaldi O. Leonardo, Ph.D. - Chairperson2. Mr. Herminio C. Hernandez - Director3. Ms. Elvira S. Dandan - Director4. Ms. Cielito L. Garrido, MBA - CEO

Naatasan din ang Management na makipag-ugnayan sa CLIMBS kung si Dir. Elvira S. Dandan ay magiging libre sa gastusin sa pagdalo bilang CLIMBS Director, kung hindi ay sasagutin ng SDCC ang magiging gastusin sa pagdalo sa nabanggit na pagsasanay.

BR #186 (December 20, 2012-080 item #1) - MIS DepartmentPinagtibay ng pagnugutan ang renewal ng kontrata ni G. Roland T. Abiog bilang Consultant/Retainer ng MIS Department para sa isa (1) pang taon, Enero 1 – December 31, 2012, batay sa rekomendasyon ng Komite at Departamento ng MIS. BR #187 (December 20, 2012-080 item #2) - Accounts for offsettingPinagtibay ng Lupong Patnugutan ang rekomendasyon na pag-offset ng utang ng Isang daan at Limang (105) kasapi sa kanilang share capital at deposito bilang kabayarang sa kanilang utang, batay sa rekomendasyon ng AMMR Department.

BR #188 (December 20, 2012-080 item #3) - Risk Management CommitteePinagtibay ng Lupong Patnugutan ang mungkahing Risk Management Plan na inihain ng Risk Management Committee sa pamumuno ni G. Danilo N. Pilar, Ph.D. Ito ay ipapatupad sa January 2, 2013 sa pasubali na ipagpapatuloy ng komite ang magiging pag-aanalisa, pag-aaral at pagbabago ng naturang plano para higit na maging angkop sa pangangailan ng buong organisasyon.

BR #189 (December 20, 2012-080 item #4) - Report: Audit CommitteePinagtibay ng Lupong Patnugutan ang pagbuo sa 3-man committee na ang magiging pangunahing tungkulin ay gumawa ng malinaw na panuntunan o batayan at pamamaraan na gagamitin sa pagbibigay ng Christmas gift sa mga opisyales na ipapatupad simula sa darating na taon (2013) at sa mga susunod pang taon. Ang komite ay bubuuin ng mga sumusunod:

1) Vice-Chairperson Damaso L. Cruz, Jr. 2) Dir. Marjorie P. Ablaza3) Dir. Herminio C. Hernandez4) Chairperson Garibaldi O. Leonardo - Ex-Officio Member 5) CEO Cielito L. Garrido, MBA - Ex-Officio Member

BR #190 (December 20, 2012-081 item #1) - Financial Report as of November 30, 2012Pinagtibay ng Lupong Patnugutan ang inihaing karagdagang delinquency measures sang-ayon sa mga sumusunod na kondisyong nakatala sa ibaba batay sa rekomendasyon ni Bb. Cielito L. Garrido, MBA, CEO.

1. If the member still cannot afford the required monthly amortization, though term is extended up to five (5) years and above. This is applicable for regular and special loan.

2. Because it is a special accommodation, interest rate is increasing every year, but up to maximum of 3% per month based on diminishing balance.

Year 1 - 2.50% Year 4 - 2.875% Year 2 - 2.625% Year 5 and above - 3.00% Year 3 - 2.75%3. To compute the accommodated monthly amortization (principal)

a. Compute the should be monthly amortization based on the term requested, but up to maximum of Five (5) years or the maximum term allowed for special loan.

b. The accommodated monthly amortization for the first year is 50% of the should be amortization (Ex. 100,000/60 x 50%)

c. For the succeeding years: Year 2 : Accommodated monthly amortization for 1st year x 1.5 Year 3 : Accommodated monthly amortization for 1st year x 2d. Or 0.5 times for every year, until the loan is paid in full.e. Interest on loan shall be added to the accommodated monthly

amortization.4. Accounts under this condition are considered updated, provided the

member is paying the monthly accommodated amortization.5. Since this will be offered on an exceptional case only, no special IT

application will be developed. It will be accommodated by the LRCS partially computerized up to the extent allowable, and partially manual. But editing or accommodation in the LRCS shall only be performed by MIS staff, upon request of AMMR Department, and shall be immediately audited by the Audit Department.

6. Schedule of aging of receivable will be adjusted to reflect the effect of the above actions.

Ang hakbang na ito ay ipinatupad upang patuloy na maalalayan at

matulungan ang mga delingkwenteng kasapi sa kabila ng pagpapahaba ng termino ng pagbabayad ng utang upang mai-restructure ang kanilang account ay hindi pa rin kakayanin ang buwanang hulog. Samantalang ang pagtataas ng interes sa kanilang utang ay isang pamamaraan upang maging patas sa mga kasapi na nagsusumikap upang maging maayos at updated ang kanilang account sa kooperatiba.

BR #191 (December 20, 2012-082 item #3) - Housing RaffleNapagkasunduan ng Lupong Patnugutan na ipatupad ang mga sumusunod na hakbang upang maliwanagan at maiwasan ang mga komento na gaya ng “luto ang naganap na bolahan”

1) Ilathala sa ating Pabando at Website ang panuntunan ng pagbola. 2) Ilathala ang talambuhay ng nanalo sa Pabando at Website3) Ipaliwanag sa PT Meeting ang panuntunan ng pagbola

BR #192 (December 20, 2012-082 item #5) - ATM ServiceNapagkasunduan ng Lupong Patnugutan na lagyan ng harang na magsisilbing pagitan ng taong nagtatransak sa ATM machine at sa mga taong naghihintay upang lalong mapa-igting ang seguridad.

BR #193 (December 20, 2012-082 item #6) - CDA UpdatesPinagtibay ng Lupong Patnugutan ang muling pagtipun-tipon sa Amendments Committee sa January 2013 na ang pangunahing tungkulin ay masusing pag-aralan ang wasto at nararapat amyendahan sa ating By-Laws at gumawa ng rekomendasyon ukol dito. Ang pagbabago ay dapat sumailalim muna sa masusing konsultasyon sa mga kasapi ng SDCC.

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Awd

itULAT NG LUPONG SA AWDIT

Ang ating Kooperatiba sa kabuuan ng 2012 ay masasabi namin na maayos ang naging pagpapatakbo ng operasyon sa bawat serbisyo dahilan sa patuloy na pakikilahok at pagtangkilik ng mga kasapi. Ito ay ginampanan ng Management Staff sa pangunguna ni Bb. Cielito L. Garrido, CEO.

Kami ay patuloy na nag-aaral sa pamamagitan ng pagdalo sa mga seminars upang makasunod sa makabagong pagsusuri. Ang Koop natin ay mayroong sariling sistema, ang “Internal Audit System” na gabay ng inyong lupon sa ginagawang “post audit”. Ang layunin sa bawat pagsusuri ay upang masiguro ang mga sumusunod:

• Matiyak na ang nilalaman ng lahat ng mga ulat ay pawang totoo;

• Malaman kung sinusunod ang lahat ng mga alituntunin sa koop;

• Malaman kung sinu-sino ang nag-alay ng mahusay na pagsisilbi sa koop at kung anu-ano ang mga mahuhusay na gawain at pamamaraan na tinutupad sa koop;

• Matiyak kung tama at nararapat ang mga ginagawa sa koop;

• Matiyak kung saan nagmula at saan napunta ang pananalapi ng koop;

• Masiguro kung mabisa at matipid ang pagpapatakbo ng koop;

• Malaman kung sino talaga ang dapat managot sa anumang kamalian sa koop;

• Matiyak kung natutupad ang mga prinsipyo at layunin ng koop tungo sa ikabubuti at ika-uunlad ng mga kasapi at buong komunidad.

FINANCIAL AUDIT – Ang awdit na ito ay

isinagawa upang masiguro ang totoong ulat ukol sa kalagayan ng ating pananalapi, kita at gastos. Ang pagsusuri sa financial aspect ay naging maayos naman sa kabuuan. Sinigurado namin na ang budget na nilaan para sa buong taon ay nasunod, halimbawa, ang kita at gastusin.

Ang budget para sa kita ay hindi natamo, kulang ng Php4.6M. Ang ilan sa dahilan nito ay hindi nakamit ang patubo sa utang na Php10.6M at service fee na Php5M, ito ay sa dahilang hindi rin nakamit ang budget sa pagpapautang na Php810M. Sa gastusin nakatipid tayo ng Php11.9M. Maraming pamamaraang ginawa ang Management upang lumiit ang gastusin gaya ng pagtitipid sa paggamit ng kuryente, paggamit ng mga recycled paper, pansamantalang hindi pagtanggap ng bagong empleyado sa halip kumuha lamang ng part-time employee. Ang mga detalye ng iba pang kita at gastusin ay makikita sa financial report.

COMPLIANCE AUDIT - Ang awdit na ito ay ang

independent review ng “plans”, “decision”, “action”

at “transactions” upang malaman ang paggawa o hindi paggawa ng mga preset rules o criteria gaya ng laws, by-laws and policies ng ating Kooperatiba. Ang mga plano at desisyon na naaprubahan ng Lupong Patnugutan ngayong 2012 ay naipatupad at naisagawa ng Management Staff.

Ang sistema sa Cash Management, Property Management, Records Management at Account Management ay nasunod ngunit sa panahon ng aming pagsusuri, may mga puna at ilang pagkakaiba na nakita ay naiulat na sa kinauukulan para sa kanilang atensyon at kaagarang solusyon.

Kami ay patuloy na sumubaybay sa mga serbisyo Koop kagaya ng Planong Damayan, Planong Abuluyan, Coop Assurance Program, at Botica De San Dionisio upang makasiguro na ang mga guidelines, procedures at policies nito ay nasunod at naipatupad. Ang puna ay naiulat na sa ating CEO at nabigyan naman ng kaagarang solusyon.

Kami rin ang namahala sa pagbubukas kada buwan ng “SUGGESTION BOX”. Ito ay iniuulat namin sa Lupong Patnugutan upang tugunan ang mga mungkahi at komentaryo ng mga kasapi na may kinalaman sa polisiya para pag-aralan at baguhin kung kinakailangan. Ang mungkahi at komentaryo tungkol sa araw-araw na operasyon ay kaagarang tinutugunan ng ating CEO. Hinihikayat namin na inyong patuloy na tangkilikin ang paggamit ng suggestion box para sa inyong mga “feedback” upang lalong maging maayos ang operasyon ng ating Koop sa kabuuan.

SOCIAL AUDIT - Ang Social Audit ay isang sistematikong pagrebisa ng mga gawi, kaugalian, kahalagahan at antas ng pakikisalamuha ng mga kasapi sa loob ng Kooperatiba pati na ang mga polisiya, programa, at gawaing pinatutupad ng Kooperatiba.

Ang Cooperative Development Authority (CDA) kasama ang mga ibang sektor ng kooperatiba ay bumuo ng instrumento upang maging basehan ng External Auditor sa paggawa ng Social Audit. Upang masiguro na ang mga impormasyon ay magagamit at may kaugnayan sa pagsusuring ito, nagkakaroon ng pilot-testing sa iba’t-ibang Kooperatiba.

Noong Mayo 10, 2012 ang ating Kooperatiba ay isa sa napili upang isagawa ang “Pilot-Testing of the Social Audit Tool” ng technical working group ng Cooperative Development Authority (CDA). Sa naging resulta ng pagsusuri, masasabi nating tayo ay nakasunod sa mga layunin ng Social Audit na itinakda ng Batas R.A. 9520. Base sa mga criteria o puntos ang ating marka ay 89.4%-Very Satisfactory. Makikita sa ibaba ang naging sukatan:

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27

Awdit

Kami ay nagsagawa ng Social Audit sa pamamagitan ng pagpapasagot sa mga ilang kuwestiyonaryo noong nakaraan Pook-Tulungan meeting, simula ika-24 ng Nobyembre hanggang ika-5 ng Disyembre 2012. Ang layunin ng Social Audit ay ang mga sumusunod:

1. Upang malaman kung tunay na nagagawa ng ating kooperatiba bilang isang samahan ang

pagpapahalaga sa mga kasaping nakikilahok, nakikinabang at patuloy na tumatangkilik sa mga serbisyo.

2. Upang malaman kung ang ating kooperatiba ay tunay na sumusuporta sa ika-pitong prinsipyo na pagpapahalaga sa komunidad (concern for community).

3. Upang malaman kung ang mga gawain ng ating kooperatiba ay nakapagpapatuloy sa pagpapaunlad ng ating komunidad at pamayanan.

Ang target ay 25% ng kabuuang bilang ng kasapi sa bawat Pook-Tulungan, base sa resulta halos nakabuo ng 25% ang bawat Pook-Tulungan. Ang resulta nito ay iuulat sa Lupong Patnugutan upang maging basehan sa pagpaplano at pag-aaral sa mga susunod na programa ng ating Koop at malaman kung tayo ay nakatutugon sa layunin na pagandahin at paunlarin ang kalagayan ng kasapian sa lahat ng larangan ng buhay

Ang Audit Committee na binubuo nina: Gng. Jerrilynn L. Pilar, DPA Tagapangulo, Gng. Teresita S. Pascua, Kalihim at Gng. Julieta F. Atienza, Kagawad at ang Audit Department Staff na sina Gng. Maricris D. Bautista, Audit Department Manager, G. Ulysis L. Hernandez, Social/Performance Auditor at Bb. Ma. Francisca C. Daynolo, Financial Auditor ay mananatiling tagapagsubaybay sa operasyon ng ating Koop at tagapag-isip ng mga magagandang bagay na may kaugnayan sa ating systems, policies, guidelines at procedures para sa lalong ikagaganda, ikabibilis at ikauunlad ng ating Kooperatiba.

Maraming salamat sa inyong pagtitiwala at hangad namin ang pagpapala at paggabay ng Poong Maykapal sa ating Koop.

Para sa Lupon ng Awdit

JERRILYNN L. PILAR, DPA Tagapangulo

AREAS OF CONSIDERATION

MEMBERSHIP

OFFICERS

STAFF/EMPLOYEES

COOPERATION AMONG COOPS

COMMUNITY AND NATION

NETWORK, ALLIANCES AND LINKAGES

TOTAL SCORE

A.

B.

C.

D.

E.

F.

SCORE

30

10

10

20

25

5

100

SDCC Rating

27.4%

9%

9%

15%

25%

4%

89.4%

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28

Pag

-Uta

ngUlat ng Lupon sa Pag-Utang

Sa magandang Sinag na tumanglaw at natanggap natin mula noong 1961 hanggang sa kasalukuyang 2012 at sa limampu’t isang taong paglilingkod ng San Dionisio Credit Cooperative ay naipakita ang katatagan ng ating pananalapi at magagandang serbisyo sa pamamahala ng masigasig na pagtatasa at pag-aaral ng lahat ng opisyales, kawani at volunteers ng SDCC. Nakapagtala tayo sa taong ito ng Php 596.20 milyong naipautang sa mga kasapi.

Sa taon ding ito ay unti-unting naunawaan ng mga kasapi at naisapuso ang kahalagahan ng Account Management System. Kaakibat ng mga pagbabagong ito ay napatupad ang isang mahusay, mabilis at magandang serbisyo sa makabagong panahon. Sa pagmumulat at matiyagang pagpapaliwanag at palitan ng kuru-kuro sa mga kasapi tungkol sa bagong pamamaraan ng Account Management System (AMS).

Bagama’t ang Projected Loan na Php810 milyon ay hindi nakamit, dahil karamihan sa mga kasapi ay nakapag-avail na ng loan sa ating kooperatiba, patuloy tayo sa pagpapatupad ng mga kaukulang pagbabago at mga bagong serbisyo sa kasapian.

Sa 2013, isang hamon na naman ang tatahakin ng kooperatiba sa Projected Loan na Php 850 milyon, na may adhikaing makatugon sa pinansiyal na pangangailangan ng mga kasapi.

Tungo sa mga makabagong adhikain ng ating Kooperatiba at upang makamit ang mga hamong ito, malaki ang maitutulong ng pagbubukas ng satellite office at extension office sa iba’t-ibang lugar gaya ng

sa Tambo, Moonwalk, Manuyo Uno, Masville, Marcelo, Vitalez, Sampaguita at Sucat. Ito ay upang mailapit ang ating serbisyo sa mga kasapi, makahikayat ng mas marami pang kasapi, at mapabilang sa kasalukuyang bilang ng “ quality and excellent members” . Ang ating kooperatiba ay laging handa upang makapagbigay ng mga kasiya-siya at mga bagong serbisyo, tungo sa ikakaunlad ng mga kasapi hindi lang ng kooperatiba.

Kaya sa paglalakbay natin sa 2013, samo’t dalangin natin na matamo at makamit ang hangarin na maging “ WISE MENTOR” ang buong kasapian ng ating kooperatiba, na matagal na rin nating adhikain lalung- lalo na ng mga opisyales na pinangungunahan ng ating Chief Executive Officer- Bb. Cielito L. Garrido, MBA at ng ating Tagapangulo ng Lupong Patnugutan na si G. Garibaldi O. Leonardo, Ph.D.

Tayo ngayon ay magtulung-tulong at sumagot sa tawag ng ating samahan na mag-impok, mangutang, mag-bayad sa takdang oras sapagkat sa lahat ng ito, ang kasapian rin ang makikinabang.

Isang adhikain, ang ating sama-samang pangarapin at isabuhay, tungo sa pag-unlad ng ating Kooperatibang minamahal!.

Para sa Lupon ng Pag-Utang

ROSALINA G. SAPUNGANTagapangulo

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Pag-U

tang

PRODUCTIVE

Regular Loan- ProductiveRegular Loan- ProvidentSpecial Loan- ProductiveSpecial Loan- ProvidentEmergency LoanEducational LoanRestructured LoanRice LoanConsumer/ Medicine LoanAppliance Loan

Total

Summary:

Provident LoanProductive Loan

TOTAL

TOTAL NO.

3,4625,848

610

2881,521

966222836

3

13,162

9,6943,468

13,162

TOTAL AMOUNT

198,124,716.00246,686,074.50

4,101,000.0015,513,000.007,222,955.00

52,258,100.0069,286,861.52

505,647.502,435,227.98

67,450.95

596,201,033.45

393,975,317.45202,225,716.00

596,201,033.45

P

P

PP

P

LOANS GRANTED (JANUARY - DECEMBER 2012)

Regular Loan-Provident41%

Regular Loan-Productive33%

Rice Loan 0.09%

Consumer / Medicine Loan0.4%

Appliance Loan0.01%

Restructured Loan12.%

Educational Loan8.8%

Special Loan-Productive0.7%

Special Loan-Provident3%

Emergency Loan1%

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Pag

-Uta

ngMONTHLY LOANS GRANTED

YEAR 2012

PRODUCTIVE15,576,100.0015,628,500.0015,551,300.0020,346,700.0017,770,520.0014,277,150.0017,485,850.0017,776,100.0015,431,900.0016,836,100.0019,405,996.0016,139,500.00

202,225,716.00

PROVIDENT18,714,402.6619,674,985.8727,617,783.3624,477,336.8537,081,684.1131,398,593.3424,123,656.3725,789,898.9727,599,660.9939,798,115.8230,267,464.9487,431,734.17

393,975,317.45

TOTAL34,290,502.6635,303,485.8743,169,083.3644,824,036.8554,852,204.1145,675,743.3441,609,506.3743,565,998.9743,031,560.9956,634,215.8249,673,460.94103,571,234.17

596,201,033.45

PP

P

MONTHJANFEBMARAPRMAYJUNEJULYAUGSEPTOCTNOVDEC

TOTAL :

COMPARATIVE LOANS GRANTEDJANUARY TO DECEMBER 2012 AND 2011

PURPOSE

PANGKABUHAYAN(PRODUCTIVE)

PANGKAGIPITAN(PROVIDENT)

KABUUAN (TOTAL)

NO. OF ACCOUNTS

3468

9694

13162

NO. OF ACCOUNTS

4474

8102

12576

NO. OF ACCOUNTS

-1006

1592

586

TOTALAMOUNT

202,225,716.00

393,975,317.45

596,201,033.45

YEAR 2012 YEAR 2011 VARIANCE

TOTALAMOUNT

305,748,970.00

296,094,419.18

601,843,389.18

TOTALAMOUNT

-103,523,254.00

97,880,898.27

-5,642,355.73

%

26%

74%

100%

%

36%

64%

100%

%

-34%

33%

-1%

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Lupon sa H

alalanULAT NG LUPON SA HALALAN

Naging masyadong abala ang ating Lupon sa taon ng 2012. Una ay ang pagbabalangkas at pagpapa-apruba ng mga bagong polisiya at panuntunan sa pagpili at paghalal ng mga opisyales sa loob ng ating kooperatiba. Ito ay ipatutupad sa 2013, bilang pagsunod sa R.A 9520 at sa ating new ammended By-laws.

Pangalawa ay ang matagumpay na pagdaraos ng ating ika-51 na Pantaunang Pangkalahatang Halalan noong Marso 24, 2012 na ginanap sa gusali ng ating Escuela de San Dionisio. Sinimulan ito sa ganap na ikapito (7) ng umaga at ito ay idiniklarang sarado sa ganap na ikapito (7) ng gabi.

May kabuuang anim na libo apat na raan at tatlo, (6,403) kasapi ang bumoto, kumpara noong 2011 na may limang libo pitong daan at apatnapu’t tatlo (5,743). Mayroong anim na raan at animnapu (660) ang nadagdag na kasaping bumoto sa pang-pitong (7) taon ng pagpapatupad ng Members in Good Standing (MIGS).

Sa pagtatapos ng 2011 ay mayroon na tayong Labing-limang libo tatlong daan at pitongpu’t isa (15,371) kabuuang kasapi. Ito ay binubuo ng 7,667 ng mga kasaping MIGS at 7,704 naman na NON-MIGS. Patuloy ang pagsisikap ng ating pamunuan na matulungan ang ilan nating mga kasapi na mapabilang na sa listahan ng mga MIGS.

Sa pagnanais ng ating Lupon na mabigyan ng pagkakataon na magamit ang karapatan ng bawat isa ay hinabaan nito ang araw ng paunang pagpapaboto sa mga kasaping may Kapansanan (Incapacitated) at Senior Citizen, sa halip na tatlong (3) araw ay ginawang limang (5) araw. Ito ay noong Marso 12, 13, 14, 15 at 16. Ang Lupon sa Halalan, kasama ang Lupon sa Audit, ang siyang nanguna sa pagsasagawa nito.

Ang mga nagsiboto ay tumanggap ng give-away na apat na kilong (4kls) bigas at dalawang (2) pakete ng frozen foods (chicken tocino at longaniza). Ipinamahagi rin ang ating 2011 Annual Report. Mas pinadami at pinaganda naman ang mga papremyo sa ating Raffle kung saan bawat oras ay may binubunot na panalo.

Ang kabuuang nagastos sa ating halalan ay umabot sa dalawang milyon walong daan apatnapung libo isang daan at siyamnaput dalawang piso at 31/100 (P2,840,192.31) para sa annual report, office supplies, giveaways sa mga kasapi, pagkain ng mga volunteers at staff na tumulong sa eleksyon, transportation allowance ng mga volunteer at iba pang gastusin.

Ang Induction of Officers ay idinaos noong Abril 14, 2012, sa San Dionisio Credit Cooperative (SDCC) Basketball Court. Ang ating naging Inducting Officer ay ang kagalang-galang na si Secretary Senen C. Bacani, Chairperson of National Cooperative Movement (NCM) Services Cooperative.

Inyong makikita sa ibaba ang opisyal na resulta ng ika-51 Pantaunang Pangkalahatang Halalan:

OFFICIAL RESULTS OF 51st ANNUAL GENERAL ELECTION MARCH 24, 2012/SATURDAY/ESCUELA DE SAN DIONISIO

LUPONG PATNUGUTAN (BOARD OF DIRECTORS)

LUPON SA AWDIT(AUDIT COMMITTEE)

LUPON SA HALALAN (ELECTION COMMITTEE)

A. Electoral District I – BAYAN AREA(Dalawa (2) lamang ang nahalal)

B. Electoral District II – SUCAT AREA(Dalawa (2) lamang ang nahalal)

C. (Dalawa (2) lamang ang nahalal)

D. (Isa (1) lamang ang nahalal)

1.HERMINO C. HERNANDEZ 5, 047 BOTO MULING NAHALAL2.SALVADOR V. CUADRATO 923 BOTO 3.FELIPE L. PERIDA, JR. 1, 631 BOTO 4.ELVIRA S. DANDAN 4,161 BOTO NAHALAL

1.ALMA S. FERREROS 4,132 BOTO NAHALAL2.MARJORIE P. ABLAZA 4,009 BOTO NAHALAL3.ERLINDA F. BORROMEO 3,336 BOTO

1.JERRILYNN L. PILAR, DPA 5,386 BOTO NAHALAL2.TERESITA S. PASCUA 5,672 BOTO MULING NAHALAL

1.VIRGINIA B. SANTOS 2,958 BOTO MULING NAHALAL2.MERLA G. CALMA 1,609 BOTO3.ROMEO T. TINASAS 1,480 BOTO

Pangatlo sa mahalagang gawain ay ang pagdaraos ng halalan ng mga Bagong Pook-Tulungan Lider na manunungkulan sa taong 2013-14.

Mayroong naging pagbabago sa pagsasagawa ng nasabing halalan ito ay ang mga sumusunod:

1. Ang mga kasapi na maari lamang na maiboto bilang PT Lider ay ang kasapi na MIGS sa loob ng huling dalawang (2) taon.

2. Tanging mga kasapi na MIGS ang siyang may karapatang bumoto.

3. Ang bilang ng PT Lider sa bawat PT ay katumbas ng 10% na kabuuang kasapi ng buong Pook-Tulungan.

Sa kabuuan ay mayroong isang libo at dalawangpu’t anim (1,026) na PT Lider ang nahalal, tatlong daan at pito (307) sa Bayan Area (PT 1-25) at pitong daan at labing siyam (719) sa Sucat Area (PT 26-72). At sa kanila rin nanggaling ang mga naging opisyales sa bawat Distrito at sa Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL) na kasabay na manunungkulan sa taong 2013-14.

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Inyong matutunghayan sa ibaba ang mga pangalan ng mga nahalal na District at PKPTL officers.

Result of District election:

District I Name No. of VotesChairperson Dorothea D.C. Dela Cruz 5Vice Chairperson Escolastica B. Unisan 6Secretary Esmeralda B. Palana 5

District II Chairperson Aida G. Allanigue 7Vice Chairperson Arman A.Paulino 7 Secretary Julieta R. Dimaranan 7Treasurer Dolores D. Doctor 7Auditor Mercedita C. De Leon 7Educ. & Info. Officer Miriam S. Cruz 7Sgt. At Arms Dante A. Dela Cruz 7

District III Chairperson Benedicto G. Gaspay 8 Vice Chairperson Edilberto M. Camposano 7 Secretary Teresita D.C. Tiglao 7Treasurer Pilar M. Nolasco 5Auditor Bella P. Buenavides 7Educ. & Info. Officer Alicia B. Ruiz 6Sgt. At Arms Virginia A. Calastre 6

District IV Chairperson Jerry M Santos 4 Vice Chairperson Elvira Bolbes 4 Secretary Veronica Aberion 4

District V Chairperson Estelita F. Pambago 6 Vice Chairperson Mabel C. Veloso 4Secretary Leonila V. Gonzaga 5Treasurer Babylinda L. Legaspi 6Auditor Elizabeth D.C. Marges 7Educ. & Info. Officer Edgardo P. Aboga 6Sgt. At Arms Elena L. Bonifacio 8

District VIChairperson Nieves T. Manicio 6Vice Chairperson Zosimo M. Nicolas 7Secretary Maria Corazon B. Pilapil 6Treasurer Amelia D. Reyes 6Auditor Elenita R. Macabuag 4 Educ. & Info. Officer Aurora M. Shodhnani 6Sgt. At Arms Erlinda D.R. Ngo 6Member Josefina B. Lopez 6

District VIIChairperson Engr. Alfredo S. Bugayong 5Vice Chairperson Maritess O. Castillo 5Secretary Vilma Atibagos 5Treasurer Joseph L. Agravante 5Auditor Danilo N. Pilar, Ph.D. 6

District VIIIChairperson Nelson A. Bunol 6 Vice Chairperson Felimon S. Fuentes 6 Secretary Gemma G. Vizcarra 6Treasurer Lorenciana DC. Vivo 6 Auditor Luis D.M. Porcia 6Educ. & Info. Officer Rosalina D.C. Demafelis 6Sgt. At Arms Cynthia P. Gutierrez 6

Result of PKPTL election Name No. of VotesChairperson Renato G. Dela Cruz 7Vice-Chairperson Salvador V. Cuadrato 4 Secretary Rebecca A. Juaneza 6 Treasurer Clarita R. Quiogue 6Auditor William J. Chua 5Educ. & Info. Officer Nenita L. Damian 7Sgt. At Arms Mercedita A. Muni 7

Lup

on s

a H

alal

an

Ang lahat po ng detalyeng inyong natunghayan sa itaas ay ang lahat ng mga naging gawain ng LUPON SA HALALAN sa taong 2013. Muli po kami ay nagpapasalamat sa lahat ng tumulong at sumuporta sa ating mga gawain. Nawa ay lalong lumakas at tumibay ang ating samahan.

GOD BLESS US ALL!

Para sa Lupon sa Halalan

VIRGINIA B. SANTOS Tagapangulo

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33

Advisory C

ouncilULAT NG ADVISORY COUNCIL

Ang gawain at responsibilidad ng Advisory Council ay magbigay ng payo at gabay sa bawat komite ng SDCC sa kanilang mga gawain.

Sa taong 2012 ay nakapagdaos ng 12 pulong ang Council na nagsimula noong buwan ng Abril hanggang Disyembre. Idinadaos ang regular na pulong tuwing unang Lunes ng buwan.

Inimbitahan ng Council sa bawat pulong nito ang ibat-ibang komite upang mas maunawaan ang mga “Committee programs” at lalong palakasin ang ugnayan.

Upang mas higit na magabayan ng Advisory Council ang bawat komite sa kanilang gawain, may kinatawan ang Advisory Council na magiging tagapag-pastol ng bawat komite.

Narito ang naging representasyon ng bawat kagawad ng Advisory Council sa iba’t-ibang komite:

Nakapagbigay rin ang Advisory Council ng mungkahi at gabay sa mga sumusunod:

a. Ang paglilinaw at pagpapalit ng ng salitang Morally Upright sa Morally Driven sa acronym ng MENTOR.

b. Ang mungkahing pagbabago ng Advisory Council to Board of Advisory (BOA) na mas pinaboran na manatili na lamang sa pagiging Advisory Council sa dahilan na rin na ang kanilang tungkulin na magbigay ng payo at gabay.

k. Ang rekomendasyon ng pagbebenta ng Housing Project III tickets sa pamamagitan ng “pag-papautang” upang makabili ang mga kasapi sa pamamagitan ng “installment basis.”

d. Ang paglilinaw ng merging of Pook-Tulungan sang-ayon sa bagong batas na R.A. 9520.

e. Ang paglilinaw tungkol sa Priority Development Assistance Fund (PDAF) na nanggaling kay Cong. Ping-ay na gagamitin sa Livelihood Program para sa mga piling kasapi na nagnanais magkaroon ng kita.

g. Ang pakikipag-ugnayan sa mga tagapangulo ng EDCOM at PKPTL tungkol sa kanilang mga programa at upang higit na maunawaan ang mga gampanin ng mga ito sa gawaing pang kooperatiba at mapagtibay ang ugnayan ng Advisory Council sa kanila.

Patuloy nawang pagpalain ng Maykapal ng Kanyang Karunungan ang Advisory Council at buong SDCC.

Maraming salamat. Para sa Advisory Council:

ENRICO S.B. CAPISTRANO Tagapangulo

1. Education and Training Committee (EDCOM)1.1 G. Efrain E. Abracia1.2 G. Ismael M. Allanigue1.3 Bb. Carmelita C. Sabino

2. Election Comittee (ELECOM) 2.1 G. Andres G. Buenaventura

3. Ethics Committee3.1 Gng. Asuncion L. Pascual3.2 Gng. Angelita P. Gabriel

4. Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL) 4.1 Gng. Angelita P. Gabriel4.2 Gng. Asuncion L. Pascual

5. Executive Committee (EXECOM)5.1 G. Enrico S.B. Capistrano

6. Committee on Business Development (CBD)6.1 G.. Andres G. Buenaventura6.2 G. Antonio S. Lansangan

7. Committee on Financial Stability (CFS)7.1 G. Perseverando L. Cruz7.2 G. Gregorio D. Ygnacio, Jr.

8. Committee on Social Serevices (CSS) 8.1 G. Gregorio D. Ygnacio, Jr. 8.2 G. Ismael M. Allanigue 8.3 Gng. Lucila A. Cruz

9. Committee on Organizational Structure (COS) 9.1 G. Enrico S.B. Capistrano

10. Committee on Mediation and Conciliation (MEDCON) 10.1 Gng. Lucila A. Cruz

11. Risk Management Committee 11.1 G. Gregorio D. Ygnacio, Jr.

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ULAT NG LUPON SA EDUKASYON AT PAGSASANAY

Bilang nahirang na Lupon ng Edukasyon at Pagsasanay, naging hamon ang taong 2012 para sa amin. Marami kaming naisagawang pagbabago para sa patuloy na pagbibigay ng kaalaman at kasanayan sa mga Pook-Tulungan Lider, Opisyales, Kasapi at mga kawani.

Narito ang mga naisagawa sa loob ng 2012:1. Ang paggawa ng criteria para sa mga Associate Member na tatanggapin simula Enero 2012.2. Expanded Tertiary Education & Equivalency and Accreditation Program (ETTEAP) Ang pakikipag-ugnayan sa St. Mary’s University sa Nueva Vizcaya na pinangunahan ng Chairperson,

G. Garibaldi O. Leonardo, Ph.D., at CEO, Bb. Cielito L. Garrido, MBA, bilang isa sa mga programa ng EDCOM sa Professionalization of Management Staff/Officers/Leaders na gustong magkaroon ng masteral degree. Gayundin sa Polytechnic University of the Philippines, para naman sa mga undergraduate.

3. Ang pagbibigay agapay sa St. Mary’s University Employees Cooperative sa pagbabahagi ng Good Governance, Tripod of Success, at mga SDCC best practice nina Gng. Elvira S. Dandan, EDCOM Chairman (2011-2012), G. Felipe L. Perida, Direktor, Gng. Evelyn R. Luching, Direktor (2011-2012), Engr. Raymond Joseph L. Salvador, Execom Chairperson at G. Noli S. Salvador, PDMSS Dept. Manager.

4. Ang pagrebisa ng Financial Literacy Module bilang karagdagang seminar sa mga bagong kasapi simula Marso 2012. Ang layunin nito ay upang mapamahalaan ng mga kasapi ang kanilang sariling pananalapi at ang pagkakaroon ng makatwirang pagpapasya para makamit ang kalayaan sa pananalapi.

5. Ang pagsama ng EDCOM sa Educational Tour sa pangunguna ng Paranaque Cooperative Union of Cooperatives (PqCUC) sa Ilocos Region noong May 3-5, 2012. Ang layunin nito ay upang makakuha o madagdagan ang kaalaman ng bawat isa sa mga gawaing pang-kooperatiba na makakatulong ng malaki sa operasyon.

6. Ang pagbibigay ng seminar/workshop sa mga piling Pook-Tulungan Lider at District Officer patungkol sa “Membership System” na ginanap noong Hunyo 9-10, 2012 sa Dominique Hotel, Tagaytay at Hunyo 13 , 2012 sa SDCC. Ito ay upang higit na maunawaan at maipalaganap ang nilalaman ng Pook-Tulungan System, mga tungkulin na gagampanan ng mga P.T. Officer at ang bagong Membership System na makakatulong sa pagpapaunlad ng ating samahan.

7. Ang pagbibigay kaalaman tungkol sa kooperatiba sa mga mag-aaaral ng Escuela De San Dionisio mula Kinder hanggang 4th year sa pagdiriwang ng Cooperative Week mula Hulyo 23-27, 2012.

8. Ang pagbibigay ng “orientation” sa mga volunteer na makakatulong sa pagbabahagi ng impormasyon sa mga Pook-Tulungan na ginanap noong Oktubre 13, 2012 , ika-3:00 ng hapon sa opisina ng SDCC.

9. Pagdiriwang ng buwan ng Kooperatiba noong Oktubre 26, 2012 bilang pagkilala sa pagiging kasapi ng kooperatiba sa loob ng dalawampung (20) taon mula noong 1992 hanggang 2012 at sumapit na sa edad na 60 o higit pa. May animnapu’t pitong (67) kasapi ang pinarangalan. Ang naging emcee ay sina G. Normandy G. Jose, EDCOM Chairman at Gng. Evelyn R. Luching, EDCOM Member, EDSD President/CEO.

10. Ang pagbibigay ng edukasyon, sa pangunguna ni Bb. Helen M. Jayalin, EDCOM Secretary, sa mga kabataan sa Feeding Program na ginanap noong Oktubre 27, 2012 sa Ipil Site na may temang “Kahalagahan ng Kalinisan.”

11. Ang pagsasagawa ng 2nd batch ng Pre-Membership Seminar (PMS) sa mga mag-aaral na nasa 3rd at 4th year High School ng Escuela De San Dionisio bilang requirement sa Laboratory Coop noong Noybembre 21 & 22, 2012 na ginanap sa EDSD.

12. Ang pagsasagawa ng Financial Literacy Seminar sa lahat ng kasapi ng bawat Pook-Tulungan na dumalo sa huling pulong ng taon na ginanap sa opisina ng SDCC noong Nobyembre 25 at 26, Disyembre 1, 2 at 5, 2012.

13. Ang konsultasyon kay Gng. Leah Gomez, Consultant, sa pagtukoy ng mga Training Program para sa mga opisyales, lider at kawani ng SDCC para sa paggawa ng training plan.

14. Naitalagang magsayos ng programa at host para sa Officers & Staff Fellowship/Christmas Party na ginanap noong Disyembre 15, 2012, ika-6:00 ng gabi, sa open court, sa likod ng gusali ng SDCC.

Mga Pagsasanay na naisagawa para sa taong 2012:

Lup

on s

a E

duka

syon

at P

agsa

sana

y

1. Pre-Membership Seminar (PMS)2. Financial Literacy Seminar (FLS)- bagong kasapi3. Financial Literacy Seminar (FLS)- dating kasapi4. Membership Education Seminar (MES)5. Associate Member Seminar (AMS)

72 - batches 30 - batches (nagsimula noong Marso 16, 2012) 5 - batches (Nob. 24 & 25, Dis. 1, 2 & 5, 2012) 31- batches 3 - batches (nagsimula noong Hunyo 29, 2012)

1,238 dumalo 860 dumalo 5,209 dumalo 916 dumalo 34 dumalo

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Lupon sa E

dukasyon at Pagsasanay

SEMINAR/TRAININGS ATTENDEDpara sa taong 2012

TITLE OF TRAINING

CONDUCTED

RESOURCE PERSON/S

FACILITATORS

NO. OF PARTICIPANTS TRAINED

VENUE OF THE TRAINING

DATECONDUCTED

Managing Liquid Funds in Uncertain Times

Optimize your virtualization using HP Storage

Fund Management Orientation

HP Blade System Demo/Training

HP Networking Infrastructure

Business Seminar on Canada

Financial & Tax Management

Licensing Seminar

Rules Formulation for Comelec Members

Risk Management

The Quality of Health is in your Hands

Garibaldi O. Leonardo, Ph.D., Chairperson & Ms. Cielito L. Garrido, MBA/CEOTotal participants : 2

Emmy R. Salvador, MIS Dept. Mgr. & Jason G. Alogon, ICT Infrastructure AdministratorTotal participants: 2

SDCC Officers – 5Management Staff - 18Total participants: 23

Emmy R. Salvador, MIS Dept. Mgr., Sherwin V. Barola, Systems Analyst, Jason G. Alogon, ICT Infrastructure Administrator, Everlyn C. Manook, Database Administration, Francis Anthony E. Borromeo, Programmer Total participants: 5

Emmy R. Salvador , MIS Dept. Manager & Jason G. Alogon, ICT Infrastructure CoordinatorTotal participants : 2

Evelyn R. Luching, EdCom Member & EDSD PresidentTotal participant: 1

Gemma C. San San Miguel, HR/OD Coordinator & Elenita C. Sanchez, AccountantTotal participants: 2 Elizabeth Dela Cruz, PharmacistTotal participant : 1

Joanna I. Esperanza, MSS Coordinator/ Comelec StaffTotal participant: 1

Cielito L. Garrido, MBA/CEOMaricris D. Bautista, Audit Dept. ManagerTotal participants: 2

Elizabeth D. Dela Cruz, Pharmacist, Reynaldo P. Gonzales, Jr., Pharmacy Assistant, Rafael P. Sison, Pharmacy AssistantTotal participants: 3

CLIMBS Training Institute, Bulua, Cagayan De Oro City

Legaspi Room, Hotel Intercon, Makati City

SDCC Seminar Room

Tektite Towers, Ortigas, Mandaluyong City

Legaspi Room, Hotel Intercon, Makati City

PCCI Office, Mckinley, Fort Bonifacio. Taguig City

1904B West Tower Phil. Stock Exchange Ortigas, Pasig

3rd Flr. FDA, Filinvest Corporate City, Alabang, Muntinlupa

Gaite Hall, NATCCO Bldg., Proj.4 Quezon City

PUP College of Cooperatives & Social Development Training Room, PUP, Sta. Mesa, Manila

Max’s Resto, Sucat Branch, Paranaque City

January 11 -12

January 18

January 25-26

February 01

February 27

March 7

March 16

March 30

April 17 & 18

May 17 & 18

May 26

Prof. Vicente R. Valdellon, Jr. & Mr. Jowell L. Tan

HP Development Company

Cielito L. Garrido, MBA//Chief Executive Officer

HP Distributor

Rajanikanth Urs Mc & Sonny Calimutan

Senen M. Periada, Dir. of Bureau of Export Trade Promotion

Aktus Global

Food & Drug Administration

NATCCO - ETC

CODIS

Dyna Drug

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Lup

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yMembership System Seminar/Workshop

CISCO Innovate Training

i-Remit & Smart money Training

Seminar/briefing on implementation of Electronic Sales (eSales) Program

Withholding Tax Update

DOLE Updates 2012

Organic Farming

Cooperative Governance & Management

Financial Management Seminar (Compliance Seminar)

Risk Management

Association of Asian Credit Union (ACCU) Forum 2

Validators Training Batch III

BOD - 10, EDCOM – 4 PKPTL - 7, District Councils - 14, PTL - 5 (selected), COS – 1, MIS Comm. - 3, MIS Dept. 5, OCEO – 2, Dep’t. Managers – 7, PDMSS Dept. 6, TDD - 1Total participants: 65

Sherwin V. Barola, Systems Analyst, Jason G. Alogon, ICT Infrastructure Administrator, Everlyn C. Manook, Database Administration, Francis Anthony E. Borromeo, Programmer Total participants: 4

Jan Michael C. Cundangan, TellerTotal participant: 1

Vivian D. Alcantara, Finance Dept. Manager & Joana I. Esperanza, MSS CoordinatorTotal participants: 2

Maricris D. Bautista, Audit Dep’t. Manager & Elenita C. Sanchez, AccountantTotal participants: 2

Gemma C. San Miguel, HR/OD CoordinatorTotal participant: 1

SDCC Members - 14PT Leaders - 6SDCC Officers & Staff – 6Total participants: 26

Felipe L. Perida, Jr., BOD and Alma S. Ferreros, BODTotal participants: 2

Board of Directors:Herminio C. Hernandez, Alma Ferreros,Felipe Perida, Jr., Marjorie Ablaza, Josephine Cabrera, Garibaldi O. Leonardo, Ph.D. - Chairperson &Cielito L. Garrido, MBA/CEOTotal participants: 7

Cielito L. Garrido, MBA/CEOMaricris D. Bauatista, Audit Dept. ManagerTotal participants: 2

Chairperson, Garibaldi O. Leonardo, Ph.D. & CEO, Cielito L. Garrido, MBATotal participants: 2

Elenita C. Sanchez, Accountant &Ma. Nanette D. Bernardo, Fund Management CoordinatorTotal participants: 2

Hotel Dominique, TagaytaySDCC Board Room

Makati Shangri-la, Hotel

Meralco Complex, Otrigas, Pasig

CSM Bldg., Pascor Drive, Sto. Nino, Paranaque City

Century Park Hotel, Vito Cruz Manila

Training Room, Skyway O & M, Dona Soledad Ave., Paranaque City

SDCC Seminar Room

Forum HallPAGCOR, Paranaque City

Oxford Suites Makati, Durban corner P. Burgos Sts., Makati City

New Horizon Hotel, Mandaluyong City

Crowne Plaza, Galeria, Manila

New Horizon Hotel, Mandaluyong City

June 9, 10 & 13

June 13

June 19

June 28

July 5

July 7

July 7

July 25

Aug. 17, 18 & 19

August 31

September 4 & 5

September 6 - 8

September 18 & 19

Education & Training Committee (EDCOM)Mr. Rollie Abiog, MIS Consultant

Cisco Innovate

CIS Bayad Center, Inc.

Bureau of Internal Revenue – RDO 052 Paranaque

IPG Training Institute for Professional Advancement

PCCI & Dept. of Labor & Employment

Doris J. Marquez OIC Head, Paranaque Livelihood Resource Management Office (PLRMO)

Paranaque City Union of Cooperatives (PqCUC)

Metro South Cooperative Bank (MSCB)

CODIS Federation of Cooperatives

ACCU

CODIS Federation of Cooperatives

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Lupon sa E

dukasyon at Pagsasanay

Rules & Formulation(Compliance Seminar)

Anti-Money Laundering Act

Risk Management Orientation/Awareness

Leadership & Values Re-Orientation(Compliance Seminar)

General Manager’s Training

2012 International Conference on Cooperatives: Key to Sustainable Economic & Social Progress

WUPOS & Prepaid Gold Card Training

Skip Tracing, Property Search & Land Title Verification

Trainer’s Training

Values Formation & Business Orientation

Virginia B. Santos, Comelec Chairperson & Bernardita A. Fernandez, Secretary, ComelecTotal participants: 2

Vivian D. Alcantara, Finance Dept. Manager & Jan Michael C. Cundangan, TellerTotal participants: 2

BOD – 10, Execom – 1, Audit – 2, Crecom – 2, Comelec – 1, MedCon – 3, Ethics – 1, PKPTL – 4, EdCom – 3, Advisory Council 5, EDSD BOD – 1, Com. On Org’l Strength (COS) - 4, Com. On Social Services (CSS) – 5, Management Staff – 7Total participants: 49

BOD – 10, Execom – 3, Audit – 2, Crecom – 3, Comelec – 1, MedCon – 3, PKPTL – 6, EdCom – 3, Advisory Council – 6, EDSD BOD – 1, Management Staff – 8Total participants: 46

Maricris D. Bautista, Audit Dept. ManagerNoli S. Salvador, PDMSS Dept. ManagerCielito L. Garrido, MBA/CEO, Garibaldi O.Leonardo, Ph.D, Chairperson Total participants: 4

Chairperson, Garibaldi O. Leonardo, Ph. D., Felipe L. Perida, Director , Elvira S. Dandan, Director & Cielito L. Garrido, MBA/CEO Total participants: 4

Jan Michael C. Cundangan, Teller andMarilyn M. Mendoza, TellerTotal participants: 2

Account Officers: Roberto E. Garcia, Joselito M. Lopez, Roque T. Cortezo, Armando R. Cruz, Jr.Total participants: 4

Clarita G. Legaspi, PT 42 Chairman and Mercedita S. Muni, PT 20 Chairman Total participants: 2

30 SDCC Members (participants to Livelihood Program under Priority Development Assistance Fund {PDAF})BOD – 3, EdCom – 3, Com. on Business Development - 2Total participants: 38

Gaite Hall, NATCCO Bldg. Quezon City

CIS Bayad Center Office, Ortigas, Pasig City

SDCC Seminar Room

SDCC Seminar Room

Imperial Palace Suites , Tomas Morato, Quezon City

SEARCA, College, Laguna

Gaite Hall, NATCCO Bldg. Quezon City

Max’s Glorietta Restaurant, Ayala Center, Makati City

Aroma Apartelle, Brgy. San Jose, Tagaytay City

SDCC Seminar Room

September 28

September 29

October 20

Nov. 3 & 4

Nov. 7 – 9

November 8-10

Nov. 9

Nov. 16

Nov. 22 -24

Nov. 28

NATCCO- ETC

CIS Bayad Center

Danilo N. Pilar, Ph.D.

Mr. Teodoro P. Estacio, Union of Metro Manila Cooperatives(UMMC)

CLIMBS

UPLB Institute of Cooperatives & Bio-Enterprise Development (ICOPED)

NATCCO

Credit Management Association of the Philippines (CMAP)

Union of Metro Manila Cooperatives (UMMC)

LDS Employment Resource Center

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January 28, 29 February 4 & 5

February 4, 5, 18,19,25 & 26

February 10

February 16

February 27

April 14

May 12

May 25

May 31

September 16

October 20

November 14

Garibaldi O. Leonardo, Ph.D.

SDCC Chairperson

Cielito L. Garrido, MBA/CEO

Noli S. Salvador PDMSS Dept. Manager

Garibaldi O. Leonardo, Ph.D.

SDCC Chairperson

Garibaldi O. Leonardo, Ph.D. and

Cielito L. Garrido, MBA/CEO

Evelyn R. Luching EDCOM Member/EDSD Pres.

Marites M. Sanchez Training and

Development Dept. Manager

Noli S. Salvador PDMSS Dept. Manager

Nelson D. Yeban, Jr.AMMR Dept. Manager

Cielito L. Garrido, MBA/CEO

Marites M. SanchezTraining and Development

Dept. Manager

Garibaldi O. Leonardo, Ph.D.

SDCC Chairperson

Guest Lecturer

Guest Lecturer

NATCCO General Membership

Symposium on Social Entrepreneurship

Symposium on Financial Literacy & Management

NATCCO Network Ownership Meeting

NATCCO Network Membership Meeting

NATCCO Summit

Education & Advocacy Forum

Rotary Community Corps District Assembly 2012

Social Development Forum Series I

7th Provincial Cooperative Convention

Master in Marketing and Production

Master in Public Administration

SDCC’s Leadership Best Practices

Social Entrepreneurship

Financial Literacy & Management

Social Performance Management : The San

Dionisio Credit Experience

Social Performance Management : The San

Dionisio Credit Experience

Governance: SDCC Experience of Pook-

Tulungan

Effective Credit & Collection Management

Empowering the Poor Through Micro finance: The San Dionisio Credit

Coop Experience

Corporate Social Responsibility and

Cooperativism

Cooperative Success:SDCC Experience

St. Mary’s University, Bayombong, Nueva

Vizcaya

St. Mary’s University, Bayombong, Nueva

Vizcaya

NATCCO Office, Quezon City

University of Asia and the Pacific, Pasig City

St. Mary’s University, Bayombong, Nueva

Vizcaya

Davao City

New Amity Hotel, National Highway,

Cauayan City, Isabela

Water Front Hotel, Cebu City

CUC Training Center, San Agustin, Trece

Martirez City, Cavite

University of Makati, City of Makati

Philippine Women’s University Taft, Manila

PCDC Office, Palawan

LocationResource Speaker Activity TopicDate

Lup

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yRecords Management(Compliance Seminar)

Parliamentary Procedure (Compliance Seminar)

Nonila S. Santos, Board Secretary, Jerrilynn L. Pilar, Audit Committee Chairperson, Merla G. Calma, Chairperson, Mediation & Conciliation Com. (MedCon), Laura D. Notarte, Member, MedCon Total participants : 4

Board of Directors:Felipe L. Perida, Jr., Herminio C. Hernandez, Marjorie P. Ablaza, Glenn C. Cruz, Alma S. Ferreros & Nonila S. Santos, Board SecretaryTotal participants: 6

Baclaran Vendors Development Cooperative Conference Room

Baclaran Vendors Development Cooperative Conference Room

December 7

Dec. 10 &11

Paranaque City Union of Cooperatives (PqCUC)

Paranaque City Union of Cooperatives (PqCUC)

Mga Naimbitahang Opisyales/Kawani bilang Resource SpeakerPara sa Taong 2012

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Lupon sa E

dukasyon at Pagsasanay

Mga Bumisitang Kooperatiba, Mag-aaral at Panauhin sa Taong 2012

Jan. 05

10

13

20

24

25

28

28

30

Feb. 16

18

18

18

27

March 6

April 12

26

May 18

18

21

June 06

11

11

13

July 14

23

24

27

Aug. 04

Sept. 05

4

3

21

3

9

24

5

34

15

27

8

41

16

1

3

27

4

2

10

21

1

27

29

3

8

3

4

17

30

30

Pasay City

Bicol

Cotabato

Dasmariñas, Cavite

Tacloban City

Batac City, Ilocos Norte

Sta. Mesa, Manila

Ifugao

Zamboanga Del Sur

Camarines Sur

Cagayan De Oro City

Vigan City

Cebu City

Manila

Las Pinas City

Malolos, Bulacan

Malaysia

Bacolod City

Malolos, Bulacan

Mindanao

Ibaan, Batangas

Jolo, Sulu

Quezon City

Baclaran, Paranaque

Alabang, Muntinlupa

Sta. Mesa, Manila

Taft, Manila

Calamba City, Laguna

Zamboanga Del Norte

City University of PasayBSBA, Major in Marketing Management Students

Gubat St. Anthony Cooperative (GSAC)

Sta. Catalina Credit Cooperative (SCC)

Investreneur Multi-Purpose Cooperative

Perpetual Help Community Cooperative (PHCCI)

Mariano Marcos State UniversityBS Cooperative Management IV &

BS Entrepreneurship Students

Polytechnic University of the Philippines (PUP)Financial Management & Accounting (FMA) Students

Alfonso Lista Multi-Purpose Cooperative

Molave Credit Cooperative

BAAO Multi-Purpose Cooperative

Oro Savings & Sharing Cooperative

University of Northern PhilippinesBS Cooperative Management Students

TMX Credit Cooperative

US Embassy Credit Cooperative

Dr. Felimon C. Aguilar Memorial College of Las Pinas – Business Administration Major in Finance

Management Students

Municipal Cooperative Development Council (MCDC)

International Cooperative Alliance Asia-Pacific

Cooperative College of Malaysia

Riverside Medical Center Multi-Purpose Cooperative

Sto. Rosario Credit & Development Cooperative

Lorenzo Tan Multi-Purpose Cooperative (LTMPC)

Ibaan Market Vendors Multi-Purpose Cooperative

Mindanao State University-Sulu Employees Multi Purpose Cooperative

Hapinoy

Baclaran Vendors Development Cooperative (BVDC)

San Beda College – BS Business Management Major in Financial Management Students

Polytechnic University of the Philippines (PUP) College of Social Development Students

Philippine Womens University (PWU) BS Social Work Students

Calamba Parish Development Cooperative

Bayside Multi-Purpose Cooperative

Cooperative/University/School AddressNo. of

ParticipantsDate

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Lup

on s

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y 06

08

Oct. 11

19

23 & 25

Dec. 01

11

12

23

4

31

6

131

6

1

2

Bangkok, Indonesia, Nepal, Korea, Malaysia, Singapore,

Bangladesh, Mongolia, Russia, Taiwan, Canada & Philippines

Abuyog, Leyte

Malate, Manila

Mandaluyong City

Quezon City

Quezon City

Malate, Manila

Delegates from Asian Confideration of Credit Unions (ACCU)

Ms. Pauline Green, President, International Cooperative Alliance (ICA) with NATCCO CEO, Ms. Sylvia O.

Paraguya, Mr. Diosdado Luna & Ms. Mabel R. Gulay

Abuyog Saint Francis Xavier Credit Cooperative

Virjen Group Allotees, Crew & Employees Multi-Purpose Cooperative

Rizal Technological University (RTU) Cooperative Management Students

Ateneo De Manila University (ADMU)Economics Students

Ms. Donailah P. Cristobal, MBA Candidate Ateneo De Manila University

Philippine Christian University (PCU)4th Year Business Administration -Cooperative

Management Students

Iba pang mga gawain sa 2013:

1. Pagrebisa sa module ng Values Formation bilang isa sa mga agenda para sa ikalawang pulong ng mga Pook-Tulungan na gaganapin sa buwan ng Mayo at Hunyo.

2. Pagbibigay ng Membership System Seminar sa mga PT/District Officers sa buwan ng Enero at Prebrero.3. Pagsasagawa ng programa para sa Team Building Seminar ng mga Kawani.4. Pagtatakda ng mga pagsasanay para sa mga opisyales bilang pagtupad/alinsunod sa RA 9520.5. Pagrerebisa ng Pre-Membership (PMS) at Membership Education Seminar (MES) module.

Pasasalamat:

Muli, nais naming iparating ang aming walang-sawang pasasalamat sa Lupong Patnugutan sa pagsuporta sa mga programang naipatupad sa taong ito.

Nagpapasalamat din kami sa iba pang mga Opisyales, PT Lider at kawani sa kooperasyon at suporta na ibinigay nila tungo sa katuparan ng mga programa.

At higit sa lahat, sa ating Panginoon sa pagbibigay ng “Kaalalaman, Kalakasan at Gabay” sa bawat isa sa amin upang magampanan ang aming tungkulin.

Para sa Edukasyon at Pagsasanay:

NORMANDY G. JOSE Tagapangulo

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PK

PT

LULAT NG PAMUNUNUAN NG KAPULUNGAN NG MGA POOK-TULUNGAN LIDER (PKPTL)

PARA SA TAONG 2012

Malugod na nag-uulat sa inyo ang Pamunuan ng Kapulungan ng mga Pook-Tulungan Lider (PKPTL) sa mga naging kaganapan sa Pook-Tulungan sa buong taon ng 2012.

Ang Pook-Tulungan meeting ay regular na naidaos ng bawat Pook-Tulungan sa loob ng isang taon (1st, 2nd, 3rd at 4th quarter). Kabilang sa P.T meeting ang naganap na halalan ng opisyales ng P.T. Ang mga nahalal na bagong opisyales ay manunungkulan para sa taong 2013-2014. Naging maganda ang resulta ng meeting sa pangunguna ng ating mga lider.

Ipinatawag din natin ang mga lider ng District na ginanap noong Pebrero 4 /Sabado,Pebrero 5/Linggo at Pebrero 11, 2012/Linggo, at ito ay kinonsiderang Kapulungan ng mga Pook-Tulungan Lider.

Ang mahahalagang paksang tinalakay ay ang mga sumusunod:

1. Merging ng Pook-Tulungan na ipatutupad sa taong 2013

2. Recruitment of New Members3. Role of PT Leaders to lower delinquency per Pook-

Tulungan in connection with the full implementation of Account Management System.

4. Full Implementation of Account Management System

5. 51st General Election

Ngayong taon, ipinagdiwang natin ang International Year of Cooperative na idiniklara ng United Nation (UN). Ang ”National Show of Cooperative Force” ay ginanap noong Pebrero 18, 2012, Sabado sa Quezon City Memorial Circle na nilahukan ng ibat-ibang kooperatiba na nagmula pa sa ibat-ibang lugar ng Pilipinas. Maganda ang naging tugon ng ating mga lider sa pamamagitan ng kanilang pagdalo na umabot sa bilang na anim na raan at dalawampu’t anim (626) kasama ang ating mga opisyales, kawani at ilang kasapi. Sa ganitong pagkakataon makikita natin ang lakas ng kilusang kooperatiba.

Bilang pagsasabuhay ng ika-pitong prinsipyo, ”Pagpapahalaga sa Pamayanan”, muli tayong nakiisa sa taun-taong programa ng ”Brigada Eskwela” na ginawa sa PES Central noong Mayo 21, 2012 na nilahukan ng ilan din nating mga lider,opisyales at kawani, tumulong tayo upang malinis ang mga silid aralan bilang paghahanda sa nalalapit na pagbubukas ng klase.

Nagkaroon din tayo ng dalawang beses na Medical/Dental Mission na ginanap noong Hulyo 27, 2012 sa St. Joseph Parish, Tambo bilang pagdiriwang ng ika-51 taong anibersaryo ng SDCC. At noong Oktubre 27, 2012 para naman sa pagdiriwang ng “Buwan ng Kooperatiba” sa Barangay Manuyo Uno, Las Piñas City. Ang nakatuwang natin para maisakatuparan ang nasabing medical mission ay ang Philippine Air Force-Medical Team, Philippine National Red Cross, Rizal Chapter para sa bloodletting, Barangay San Antonio Livelihood para sa libreng gupit at ang ating reflexologist na graduate sa

SDCC para sa libreng masahe. Kaagapay din natin dito ang ating mga lider, opisyales at ilang mga empleyado. Nakakatuwa na sa ganitong pagkakataon ay marami tayong napagkakalooban ng mga libreng serbisyo.

Sa Ipil, Target at Clinic Ville sa may B.F ay nagkaroon din tayo ng “Handog Pasasalamat”. Nagbigay tayo ng munting kasiyahan sa mahigit na apat na raang (400) bata na nakatira sa nasabing lugar. Matapos ang ilang mga palaro ay pinakain natin sila ng sopas at puto.

Isa sa incentive na ibinibigay natin sa mga P.T Lider ay ang “Dalaw sa may sakit na lider” na ngayong taon ay mayroon tayong labing isang (11) lider ang nagkasakit at naospital kaya sila ay ating dinalaw at pinagkalooban ng anim na raang piso (P600.00) bilang konting tulong. Sa hindi rin inaasahang pangyayari, may sunog na naganap sa San Dionisio Village, UPS V (51-D2). Isang kasapi ang naapektuhan ng nasabing sunog at pinagkalooban din natin ng anim na raang piso (P600.00). Ang mga PT Lider sa panahon ng kanilang panunungkulan ay sineseguro rin ng koop. Ito ay life insurance sa CLIMBS na may katumbas na benepisyong P55,000.00. Narito ang listahan ng mga nakatanggap ng benepisyo:

BRGY. TAMBO – JULY 27, 2012(IN COOPERATION WITH PHILIPPINE AIR FORCE - MEDICAL TEAM and PHILIPPINE RED CROSS –

Muntinlupa Branch, Rizal Chapter)

BRGY. MANUYO UNO, LAS PIÑAS CITY – OCTOBER 27, 2012(IN COOPERATION WITH PHILIPPINE AIR FORCE - MEDICAL TEAM)

DENTAL SERVICEMEDICAL CONSULTATION

FREE HAIRCUTREFLEXOLOGY SERVICE

DENTAL SERVICEMEDICAL CONSULTATION

FREE HAIRCUTREFLEXOLOGY SERVICE

PatientsPatientsBeneficiariesPatients

32142

6011

----

----

PatientsPatientsBeneficiariesPatients

86127119

39

Member

Ma. Socorro V. Fausto(PT 51-A2)

Dany Hutcheon

(PT 37)

1

2

Type of Insurance

COSPP II

COSPP II

Date and Cause of

Death

08-07-12 Respiratory

Arrest

11-04-12Multi-organ

Failure

Date of Receipt of Insurance

Claim

09-26-12

01-21-13

Amount of Insurance

Benefit

Php55,000.00 Death Benefit

(Php50,000.00) + Cash Burial Assistance

(Php5,000.00)

Php55,000.00 Death Benefit

(Php50,000.00) + Cash Burial Assistance

(Php5,000.00)

Ngayong taon din nagsagawa ang PDMSS staff ng masusing pag-aaral (social investigation) sa mga karatig nating barangay: Tambo, Moonwalk, Manuyo Uno, Sampaguita at Ilang-Ilang Ville na sakop ng Marcelo Green at Masville, BF. Batay sa resulta ng pag-aaral ay lumitaw na mayroong pangangailangan ang mga tao sa

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mga nasabing lugar ng serbisyo ng ating kooperatiba. Kaya nagrekomenda ang PKPTL sa ating Lupong Patnugutan na buksan natin ang pagtanggap ng bagong kasapi sa mga nasabing karatig barangay upang maging bahagi ng ating “sphere of operation”. Kasabay nito ang aming panawagan na patuloy na sumapi sa kooperatiba ang mga hindi pa dahil ito ang susi tungo sa MAUNLAD NA BUHAY.

Nagkaroon din ng Christmas Party ang ating mga lider noong ika-8 ng Disyembre 2012 pagkatapos ng Special Representative Assembly. Kahit simple, may mga inihandang pagkain, palaro at mga raffle at partisipasyon ng lahat, naging masaya ang selebrasyon dahil nagkasama-sama ang mga lider. Nagkaroon din ng palitan ng regalo na siyang tunay na diwa ng PASKO.

Bilang pasasalamat sa mga PT Lider na walang sawang tumutulong sa mga gawain ng SDCC, ang koop ay nagbibigay ng insentibo sa ating mga lider matapos suriin ang kanilang performance sa loob ng buong taon. Narito ang bilang ng mga lider na nakakuha ng Performance Incentive na halagang walong daang piso (P800.00) bawat Lider.

Para sa 2013 masasabi kong ito ay isang malaking hamon para sa ating 1,028 na bagong lider. Dahil sa taong 2013 ay ipapatupad na natin ang merging ng Pook-Tulungan at ang roll-out para sa isa sa pangunahing tungkulin na nakaatas sa PT - ang pagpapadami ng kasapian. Inaasahan ngayong 2013 ay madadagdagan ng 7,250 na bagong kasapi at mas lalong mapalakas ang Pook-Tulungan. Hindi ko ito magagawang mag-isa, kaya muli akong humihingi ng inyong tulong at suporta para maabot natin ang tagumpay.

Naniniwala ako na ang tagumpay nating mga lider ay tagumpay din ng ating kooperatiba.

MABUHAY TAYONG LAHAT, at naway pagpalain tayo ng DAKILANG POONG MAYKAPAL!!

Para sa PKPTL,

RENATO G. DELA CRUZ Chairperson

AREA

BAYANSUCATTOTAL

NO. OF LEADERS

261390651

QUALIFIED

5375

128

PERCENTAGE

20%19%20%

PK

PT

L

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KASAPIAN AYONSA GULANG

KASAPIAN SA BAWATBARANGAY

Barangay Bilang ng Kasapi

SAN DIONISIOLA HUERTATAMBODON GALOSTO NIÑOSAN ISIDROSAN ANTONIOBF HOMESMOONWALKMARCELO GREEN CAAMANUYO IOUTSIDEABROADUNLOCATED

TOTAL

5,221248

252624

4,0182,321

996188168160

30897938639

15,899

MALE29.71%

FEMALE70.29%

KASAPIAN AYONSA KASARIAN

Female

Male

TOTAL

11,175

4,724

15,899

Mem

bership Profile

MEMBERSHIP REPORT AS OF DECEMBER 31, 2012

18-20

21-30

31-40

41-50

51-60

61-70

70 &UP

TOTAL

63

1,902

3,982

4,082

3,504

1,518

848

15,899

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Poo

k - T

ulun

gan

Lea

ders

Talaan ng mga Pook-Tulungan Lider (Bayan Area) 2011-2012

PT.NO

3456789101112131415-A15-B15-C16171819-A19-B19-C20212223242526-A26-B2728-A28-B29-A29-B30313233343536-A36-B36-C373839-A39-B39-C39-D4041-A41-B42-A42-B4343-A144-A44-B4546-A46-A146-A246-B46-B146-C

CHAIRMAN

Rosario C. CundanganAnaliza A. MacababbadDorotea D. Dela CruzJosephine D. SorianoJose I. TuscanoMechiel A. AseradoTeresita MedinaDelia E. SaraelEvelyn J. GarciaMarilou C. FerrerAnnaliza M. SantosRizal O LopezCatrina H. AlcantaraLedelina D. NeryAgnes S. CruzCyril R. GatusCleodina S. GonzagaRolando B. De LeonEscolastica B. UnisanSusana D. BernardoConchita V. Sta. AnaMercedita S. MuniArturo C. BalanaLucia L. CruzJoselito M. LopezMario S. SantosMa. Cristina S. LaticanNelia E. BusbusLamberto C. FerrerEdward G. De LeonMa. Lourdes A. LeonardoEmelita D. RaymundoDolores D. DoctorMarinette V. LabogRoberto L. VenturaImelda C. San MiguelLorna L. Sope (ABROAD)Narcisa M. PunzalanAlfonsa B. FaustinoAida G. AllanigueSalvador V. CuadratoEvangeline O. ReañoFelizardo S. TropiaGil P. MercadoBenedicto G. GaspayCynthia D. Dela JustaMary Jane D. MacapungasFrederick S. InfantePillar M. NolascoBella P. BuenavidesGrace D. GullasAngelita M. UmaliRosario L. CurayClarita G. LegaspiAlma Norivic U. RiagoEdilberto M. CamposanoAngelina L. GarayVilma R. CruzNoel O. OngkiatcoNenita L. DamianAnicia A. AbocadoAlicia M. SablaonVeronica T. AberionMa. Victoria G. PagsisihanJeanette E. Martin

VICE-CHAIRMAN

Carmen A. GarciaRenato A. Sta. AnaRebecca B. AndalesElizabeth E. RamosGloria V. MendozaAgueda B. SalvadorJulita M. CarpioFernando S. SaraelJesusa S. AngelLorna D. SantosNorma E. Del RosarioJosefina F. TriaLeonida C. AdrianoElena P. FabianEsmeralda PalañaEdlyn Grace S.M. QuevedoJunelyn T. CruzArmando N. Ferrer, Sr.Marilou P. LlamasMa. Theresa F. Floresca

Jessica J. NarcisoMariel R. Santos

Marino T. HernandezLuzviminda S. RoblesBenhur A. IgnacioConstantino B. EsguerraJulieta R. DimarananAnita M. RodriguezMarcelina J. LopezOfelia R. SarvidaMa. Corazon D. AbordoElvira E. CaberosJocelyn T. AbaretaMercedita C. De LeonTeresita A. SopeFlorinda L. JoseMarilou J. De LeonMarissa S. AllanigueLauro S. GabrielNerissa M. EvardoDolores L. EspañolClarita M. GonzalesRuth R. BuagasVicente D. Sumarago, Jr.Rolando P. LamadridJuvy V. De LeonAngelita E. HernandezElsie R. GironEvelyn A. MabagLeonida A. PangdanRita L. RaymundoJuancho L. PerezFloricel G. BrazasSalvacion D. MendiolaGemma B. BanalLualhati D. PalacioElvira S. AlcantaraLeticia J. MarceloBenjamin CeleridadMarivic G. ValenciaVeronidia T. LaronaMarco Paulo S. DizonLucia C. De Leon

SECRETARY

Mariane M. AllanigueRowena S. BaldiviaLany S. Aguilar

Narissa L. ClimaArnold C. NingalMaria Fe S. JongcoHelen M. JayalinErlinda S. De GuzmanMa. Elizabeth F. Del ValleJulita D. RodriguezNenita J. JoseMaribel B. ViduyaDann Warren A. RegodonCorazon C. San JuanMarilou C. San miguelMa. Luisa D. LecarosMarissa A. GonzalesEngracia D. MarquezEstelita S. SenicaCesa C. MissionBernardita V. De LeonFernando M. AblesNancy D. BrillantesJoel A. RoblesEduardo B. CarabeoEvangeline S. CunananMary Ann RodriguezAurora P. SantosCriselda A. SapinosoEstrelita R. SupanChona F. De Leon

Rubi Ann S. BuenaventuraCorazon S. BulanMerlita L PacananRosario M. AquinoJosephine V. EnriquezErnesto C. Garcia, Jr.Susan E. BacaniMariquita S. CrisostomoGrace B. PaulinoMarilou S. OnatoDaisy C. GonzalesBuenaventura M. OrculloTeresita M. Dela CruzConsolacion D. InfanteMylene Victoria R. ApostolJoan R. ChingRechie C. ReyesAlicia C. AltavanoMa. Madelein Beverly S. EncontroMaria Roberta L. AguilarMyrna SiatanDielly D. BarredoTeresita D.L. TiglaoMa. Victoria D. QuitorioMylene A. PeraltaMeramis MejaresCristina B. CortezAngelina B. SantosElvira L. YgnacioAngelina O. LisondraConcodia S. Gregorio

TREASURER

Rosana A. Del RosarioRosalinda BaldiviaZenaida C. Jaramillo

Julie D. MatiasCarolina HidalgoMa. Luz G. CasinoObdulia L. JoseCristina C. SantosAlma M. Tubera (+)

Romeo A. FerrerMalou R. RamosEdwina A. SantosGemma. C. San MiguelIsagani S. CruzOscar D. DandanJesilyn G. TaleonArsenia F. BiggayanMarina P. GarciaEdeliza L. Mercene

Perlisa M. AbiogRizalina Y. Vergara

Teresita D. SungaFelicidad R. Reformado

Maria Elizabeth J. Sta. AnaAmelia R. Talusan Luzviminda U. PavillarMarilyn D. FuloDaisy L. BuelaVeronica HernandezJosefina R. DizonAnalee V. FerrerEvangeline L. BorjaMarilyn B. IbanezGlecy T. DoncilloHernando E. LopezEulalia M. HutcheonEmma O. GuerreroMa. Blessie N. EstremaduraShirley M. DiazGrace D. GalvanMaria Myrna P. CruzZenaida D. BuanCarmelita F. SanchezLourdes D. OlarveVirginia A. CalastreLeonida Q. LegaspiCelsa J. BataraEster MallariJose S. RodriguezAngelina P. Lai

Laura G. CabahugMa. Rosario M. JuananeHerminio P. MabalotDoreen A. Azores

Marcial P. Villaluna

AUDITOR

Adrian L. Allanigue

Florence S. Manzano

Napoleon S. CarabeoAmelia D. SuyatRestituto B. LeonardoMary Grace T. GordolaRolando R. Santos

Reynaldo T. HernandezOfelia M. OcampoMarlon T. OfiazaLilian S. San Miguel

Rosemarie M. JavinesMario R. Bongato

Dulce Monina T. MoroTeresita S. Sumawang

Angelita P. GabrielRodelio R. EspinaGerardo O. OngacoJosephine B. Paular

Gina C. CuyosCoralin L. PitelCrisanto R. Bulan (ABROAD)Presentacion C. DaynoloLolita D. MijaresReynaldo FerrerTeresa A. PaderonTomas R. MarianoLaura C. JimenezJocelyn CruzDany C. Hutcheon (+)Flordeliza G. VallidoEditha M. SagudangElsa A. Santos Jose Leandro S. Hernandez Maricar D. GullasTheny J. EnriquezGemma B. EumagueRegina C. CaveroOscar C. EusebioConcordia V. AgarroMarlyn BuyoRaul G. Guzman

Alfredo G. TironaAngelito D. SantosCelerina D. CaubalejoRodrigo H. MaderoLany O. Lim

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Pook - T

ulungan Leaders

Talaan ng mga Pook-Tulungan Lider (Sucat Area) 2011-2012

PT.NO

46-D46-D146-E46-E146-E246-E346-F46-F146-F247-A47-B47-C48-A48-B48-B148-C48-D48-E49-A49-B49-C49-C149-D49-D149-E50-A50-B50-B150-C50-D50-D150-E51-A51-A151-A251-B51-C51-D51-D151-D252-A52-A152-A252-A352-A452-B52-B153-A53-A153-B54-A54-B54-B154-B254-B355-A55-A155-B55-C55-C155-C255-C355-C455-D56-A56-B56-C56-D56-D156-E56-E156-F57-A57-B57-C57-D

CHAIRMAN

Normandy G. JoseTeresita S. LombosJerry M. SantosAster B. Zerna

Glenda Q. San PedroAlmalyn P. EginaVirgie G. AlogonElvira D. BolbesJovelyn S. SalazarLolita E. De LeonJocelyn D. FloresRenato G. Dela CruzMerlin C. MaldiaJulieta D. PauloMaricel S. SabadoEstelita F. PambagoWilliam A. HidalgoMarjorie L. FaundoMabel C. VelosoWinefreda Y. NicolasIsabelita R. BartolomeCesar P. RamirezElizabeth D. MargesErlinda F. BorromeoLeonila V. GonzagaDanilo A. SantosJovita B. PalinesNieves T. ManicioZosimo M. NicolasRaquel S. AustriaJessica O. TomeSonia F. Dalupang Emilia A. ManzanoMa. Socorro V. Fausto (+)Aida C. GonzalesElenita R. MacabuagEmelita N. BuitreLucila S. RoqueNorma D. EvangelistaClarita R. QuiogueYolanda A. RosalTeresita C. ValenzuelaVilma J. AtibagosRoberto T. RiveraMilagros I. ConananHelen A. Baguinon (+)Engracia Balansag

Jean T. EspinDominga A. GalengBernabe U. MontanielVriginia C. Espiritu Nonila S. SantosLydia M. ManigbasCynthia P. GutierrezGeraldine I. IlaganSusan M. DelantarLorenciana D. VivoFelimon S. FuentesChristopher A. OballasJocelyna C. ManioOnesimo D. PortusElena L. NavarroDavid M. VitalMa. Lourdes T. QuitorianoShirley S. LibunaoRomeo T. TinasasCamela ChanGemma VizcarraSylvia Milet R. BinasRosalina DemafelisAurora M. ShodhnaniAmelia D. ReyesMaria Cristina O. Gomez

VICE-CHAIRMAN

Leila S. Sta. AnaEstrellita D. BuenaventuraFrancisa C. Pararuan

Elvira T. RoseteAlberto M. RoxasGloria B. ManaogMelanie L. CatalanWeling C. TeranteNoverica F. AmarServillano C. MartinJacqueline E. BallaranSofia S. TangcoBabylinda L. LegaspiEva N. ReyesIsabel M. ZaraElizabeth E. BonifacioConstancia P. MagsinoJennifer B. RodriguezDanilo B. BrionesEdgardo P. AbogaAnita D. GalonoGlenda S. BundalianMa. Theresa D. ReyesErlinda B. PerezUldarico C. Bandoy

Erlinda D. NgoTeresa M. PerezJuanito M. RomeroJo-Ann E. MorallosDelfin T. TañalasFlora T. BalintecDra. Maria Sherida D. Calvo (ABROAD)Amanda M. CorderoLedivinia C. NazarenoMiraja A. MenaGenelita E. BaclayonMaria Corezon B. PilapilJosefina B. LopezPacita G. Bote Rodolfo C. PerezSalvacion L. MendozaImelda C. VillaruelAmparo V. FerrerJoseph L. Agravante Leo G. DagohoyMary Grace B. PalasiqueRemedios A. BuccatMyrna S. ManahanErnesto T. ComandaRenato P. AvilaFrancisca G. OlaguerNilda A. PalañaAnnaliza L. CarreonMa. Francisca B. RomeroCorazon A. NicolasJaime D. PagsisihanLeopoldo GutierrezLuis D. PortiaTrinidad C. AbarquezEnrique E. JovesSalome M. VitalNenita A. Pahed

Alfredo D. SantosJesus MalasmasMerla CalmaMaribel D. SabileAdoracion A. PalimaResurrection E. ReromaJesus A. Gorobat, Jr.Gloria M RamirezJovita C. Matibag

SECRETARY

Alejandro G. EsperanzaLourdes B. DionisioRenita M. MortelEvelyn A. CaloGregoria N. MarquezCorazon O. RiveraDesiree C. Salvador Myrna J. SuarezJho Anna Marie B. DegalaLilibeth E. MolarCandelaria G. FormanesRichelle F. FranciscoNoel E. SandilMeliflor G. ZapantaEmma E. PeraltaVigincita S. EneroVictoria S. Del ValleMa. Lilibeth G. De LeonBenerdette B. JandaRebecca C. MaristelaNanncy M. De GuzmanManuela D. MirandaAlfredo S. EnriquezMargarita JoseRosalinda B. AlboMarlyn A. NicolasCelia V. ReyesBernalyn Y. BatayolaMarichu M. CenizaAdelaida . LealEllen A. BuensalidaCristy D. VelascoLolita T. ChuaMa. Rita D. RodricksEric Vincent S. HensonGloria R. DichosonRaquel A. Sta. AnaAlex B. GuiwanEvelyn San JoseZita B. MacatangayMa. Elena Q. OcampoRobert G. OgayonArminda L. Talamor Marites O. Castillo Jocelyn D. LoyolaMonina B. MallorcaFe BugayonErlinda JunioLuzviminda O. DelantarIrene G. SacayPerla T. TubaleMarlene T. NarizAlex A. AlayonJocelyn T. DajangWendie R. NatividadJoan DelantarEstela M. TolentinoMa. Edna C. AlcantaraJulieta A. BernardinoMargarita B. CarinoCarolyn J. MayoralgoConception AbrioCorazon B. RamosVilma V. FerrerosEden S. PeraltaFrancisca L. DellosaVirginia RamosTita B. ZarateVictorino A. MacobZosima A. SaladaLeonora P. BalicocoJosephine A. OclaresAna Mari P. BuanMarina M. Abantao

TREASURER

Adoracion G. VasquezThelma S. HernandezRosalinda D. ComonNorma B. FiguerroaRaquel ManlapazYolanda Y. CruzLeany B. BicoFlorida V. ObienaNormita P. VasquezFederico D. Feliciano Sr.Elvira R. CuevasErnesto I. QuintaoLambert A. Dela CruzAdela S. PanisRosario A. EscotoMagdalena M. EdoriaAnnblyth H. FelipeTeresa B. De LeonElena H. UntenbergLuzviminda T. SalesDionisio R. Pasuquin Jr.Eva H. GregorioMagdalena L. Fernandez

Ma. Loreta C. ZabalaCristina F. GarciaLusito D. SantosVirginia C. GejonGloria M. CorralNona C. CariagaGregoria A. RamosRuth Margarita L. ArevaloJessie D. VillanuevaEvangeline V. BuendiaDaisy D. CallejaJennifer C. MatiasEvengelina R. AmbrocioRosalina H. TangoWellington B. YuAlicia C. SalvadorNancy O. PagadorRonilo G. SamulleCorazon R. AlcantaraJosefina S. ManosDelia A. SabocorLeonora L. PaulinoAquilina V. GonzalezEvangelie S. PagsisihanFortunata R. TrazoMaria C. AlcantaraMaximo Correa Jr.Erlinda M. MadridCharlie A. CampoMarietta G. EsgueraJulita PasilanMarissa A. TarronasSheryl L. ArajaDanilo D. CarvajalThelma G. LopenaRebecca C. MartinezEpifania P. OballasGermelina C. GallardoRosita M, PinianoRestituta D. Matienzo

Cynthia M. VistalReynaldo B. IfurungTeresita EvangelistaWilma EspinosaWilfredo C. PaulinoParticio RamiroHermi C. PaditZenaida H. SantosJoveliza R. CaimbonCecilia A. MesiasEmelyn M. Delos Santos

AUDITOR

Angelica P. Delos reyesMa. Elena IsunzaLilia L. Garcia Salvador D. TimtimTeresita V. GonzalesLelinda D. GregorioPriscilla A. Dela CruzTeresita P. LoboMelionida O. LumabiJanette S. TingaMa. Rita M. CarilloMarlene C. San JoseMilagros R. AniagSantiago E. ZafraCesar Y. AngelesVictoria R. LleveEvencia E. AdameLigaya C. TanJosephine C. TadenaMiguel C. MejiaElpidio A. LinaNieva T. FortalezaAlmira D. Dela CruzAlicia R. PolicarpioAgripina D. CapecinioLuciana R. BracamonteIreylene C. YangcoGary Zaldy M. NicolasLea E. CarabeoValeriana A. SolimanTeresita N. AngeloIsabel A. RacimoVilma S. RodriguezPacita T. AtibulaJuliet ObusanRomeo M. Dele CruzNarcisa V. NapolesFernando U. MapileJovencio P. MarquezJosephine P. SagerViolena H. CaimolFe F. CalejaVioleta V. BalbalosaWay C. CastilloSusan L. NullasLouie B. Cruz Milagros N. BernardoAlma Victoria M. Hutalla

Pamela S. DelgadoRanulfo N. EspinosaSebastian D. AustriaDonna M. BrualCarina A. MarcialAriel F. SalvacionEdna T. MacapungasNoli R. RespicioAlicia B. TimonesNeives S. CorpuzLeonard P. VidalMyreen M. ZambranoJuanito G. Lorenzo

Cristina O. BenedictoFrancis H. RamosFilomena M. EnriquezAntonio S. VictoriaTeresita S. TengcoAnacleto H. Caubalejo

Evangeline L. DuquitanRogelio O. TarongoyAntonina PerasTeresa B. Manzano

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Fin

ancia

l Rep

ort

STATEMENT OF MANAGEMENT’S RESPONSIBILITYFOR FINANCIAL STATEMENTS

The management of SAN DIONISIO CREDIT COOPERATIVE is responsible for all information and representations contained in the financial statements for the years ended December 31, 2012 and 2011. The financial statements have been prepared in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines and reflect amounts that are based on the best estimates and informed judgment of management with an appropriate consideration to materiality.

In this regard, management maintains a system of accounting and reporting which provides for the necessary internal controls to ensure that transactions are properly authorized and recorded, assets are safeguarded against unauthorized use or disposition and liabilities are recognized.

The Board of Directors reviews the financial statements before such statements are approved and submitted to the members of the cooperative.

Ma. Elma Ilagan-Ame, the independent auditor and appointed by the Board of Directors, has examined the financial statements of the cooperative in accordance with the Philippines Standards on Auditing and the Standard Audit Systems for Cooperatives and has expressed her opinion on the fairness of presentation upon completion of such examination, in her report to the members of the cooperative.

GARIBALDI O. LEONARDO, Ph.D. CIELITO L. GARRIDO, MBA Chairperson Chief Executive Officer

JOSEPHINE C. HERRERA, CPA Treasurer

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Financial R

eport

STATEMENT OF MANAGEMENT’S RESPONSIBILITY FOR ANNUAL INCOME TAX RETURN

The Management of SAN DIONISIO CREDIT COOPERATIVE is responsible for all information and representations contained in the Annual Income Tax Return for the year ended December 31, 2012. Management is likewise responsible for all information and representations contained in the financial statements accompanying the (Annual Income Tax Return or Annual Information Return) covering the same reporting period. Furthermore, the Management is responsible for all information and representations contained in all the other tax returns filed for the reporting period, including, but not limited, to the value added tax and/or percentage tax returns, withholding tax returns, documentary stamp tax returns, and any and all other tax returns.

In this regard, the Management affirms that the attached audited financial statements for the year ended December 31, 2012 and the accompanying Annual Income Tax Return are in accordance with the books and records of SAN DIONISIO CREDIT COOPERATIVE, complete and correct in all material respects. Management likewise affirms that:

a. the Annual Income Tax Return has been prepared in accordance with the provisions of the National Internal Revenue Code, as amended, and pertinent tax regulations and other issuances of the Department of Finance and the Bureau of Internal Revenue;

b. any disparity of figures in the submitted reports arising from the preparation of financial statements pursuant to financial accounting standards and the preparation of the income tax return pursuant to tax accounting rules has been reported as reconciling items and maintained in the company’s books and records in accordance with the requirements of Revenue Regulations No. 8-2007 and other relevant issuances;

c. SAN DIONISIO CREDIT COOPERATIVE has filed all applicable tax returns, reports and statements required to be filed under Philippine tax laws for the reporting period, and all taxes and other impositions shown thereon to be due and payable have been paid for the reporting period, except those contested in good faith.

GARIBALDI O. LEONARDO, Ph.D. CIELITO L. GARRIDO, MBA Chairperson Chief Executive Officer

JOSEPHINE C. HERRERA, CPA Treasurer

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Fin

ancia

l Rep

ort

M. I. AME ACCOUNTING OFFICE

No. 6 Madlansacay St., Silang, Cavite 4118 Telefax No. (046) 865-0553

STATEMENT OF REPRESENTATION

TO THE COOPERATIVE DEVELOPMENT AUTHORITY:

In connection with my examination of the financial statements of the SAN DIONISIO CREDIT COOPERATIVE covering the period ended December 31, 2012 that are herewith submitted to the Cooperative Development Authority, I hereby represent the following:

1. That said financial statements herewith attached are prepared and presented in accordance with the Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles;

2. That in the conduct of my audit, I adhered to the Philippine Standards on Auditing and the Standard Audit System for Cooperatives (SASC) as required by the Cooperative Development Authority;

3. That I am qualified as provided for in Section 8 of the Code of Professional Ethics for Certified Public Accountants and Article 81 of R.A. No. 9520 (Cooperative Code of the Philippines);

4. That I am fully aware of my responsibility as an independent auditor for the audit report issued and attached to the financial statements and the sanctions to be bestowed on me for my misrepresentations that I may have willingly or unwillingly committed;

5. That I nor any member of my immediate family do not have any direct or indirect financial interest with the cooperative;

6. That I am not an employee nor an officer of a secondary cooperative or tertiary cooperative of

which this cooperative is a member;

7. That I am not an employee of the Cooperative Development Authority nor have I engaged an employee of the CDA in the course of audit;

8. That I make representation in my individual capacity;

9. That I am a member of the Cavite Chapter of the PICPA.

It is however, understood that my accountability is based on matter within the normal coverage of an audit conducted in accordance with Philippine Standards on Auditing and the Standard Audit Systems for Cooperatives.

MA. ELMA L. ILAGAN-AME CPA No. 79047 TIN No. 134-550-503-000 PTR No. CAV3179656 , January 03, 2013, Trece Martires City, Cavite BOA Reg. No. 0195 (January 1, 2011 to December 31, 2013) SEC Accreditation No. 0448-AR-2 (Category C) (January 18, 2013 to January 17, 2016) BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 7, 2014) CDA Accreditation No. 0001 (April 20, 2010 to April 20, 2013)

February 16, 2013

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49

Financial R

eport

M. I. AME ACCOUNTING OFFICE

No. 6 Madlansacay St., Silang, Cavite • Telefax No. (046) 865-0553

STATEMENT REQUIRED BY SECTION 8-A, REVENUE REG. NO. V-20

TO THE GENERAL ASSEMBLY THRU THE BOARD OF DIRECTORS SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

I have audited the financial statements of SAN DIONISIO CREDIT COOPERATIVE for the calendar years ended December 31, 2012 and 2011, on which I have rendered my report dated February 16, 2013.

In compliance with Section 8-A, Revenue Regulation V-20, I am stating the following:

1. That the taxes paid or accrued by the above taxpayer for the year ended December 31, 2012 are shown in the schedule of taxes and licenses attached to the income tax return.

2. That I am not related by consanguinity or affinity to the Management and Members of the Board of Directors;

3. That I, as the Principal/ Managing Director of M. I. Ame Accounting Office, or my staff, have no financial interest to the Cooperative or any family relationships with its management.

MA. ELMA L. ILAGAN-AME CPA No. 79047 TIN No. 134-550-503-000 PTR No. CAV3179656 , January 03, 2013, Trece Martires City, Cavite BOA Reg. No. 0195 (January 1, 2011 to December 31, 2013) SEC Accreditation No. 0448-AR-2 (Category C) (January 18, 2013 to January 17, 2016) BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 7, 2014) CDA Accreditation No. 0001 (April 20, 2010 to April 20, 2013)

February 16, 2013

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M. I. AME ACCOUNTING OFFICE

No. 6 Madlansacay St., Silang, Cavite • Telefax No. (046) 865-0553

INDEPENDENT AUDITOR’S REPORT

TO THE GENERAL ASSEMBLY THRU THE BOARD OF DIRECTORS SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

I have audited the accompanying financial statements of SAN DIONISIO CREDIT COOPERATIVE, which comprise the statements of financial condition as at December 31, 2012 and 2011, and the related statements of operations, statements of changes in equity and statements of cash flows for the years then ended, and a summary of significant accounting policies and other explanatory notes.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of these financial statements in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles. This responsibility includes: designing, implementing and maintaining internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatements, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.

Auditor’s Responsibility

My responsibility is to express an opinion on these financial statements based on my audit. I conducted my audit in accordance with Philippine Standards on Auditing. Those standards require that I comply with ethical requirements and plan and perform the audit to obtain reasonable assurance whether the financial statements are free from material misstatements.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

I believe that the audit evidence I have obtained is sufficient and appropriate to provide a basis for my audit opinion.

Opinion

In my opinion, the financial statements present fairly, in all material respects, the financial position of SAN DIONISIO CREDIT COOPERATIVE as of December 31, 2012 and 2011, and of its financial performance,changes in equity, and its cash flows for the years then ended in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles.

M. I. AME ACCOUNTING OFFICE

No. 6 Madlansacay St., Silang, Cavite • Telefax No. (046) 865-0553

INDEPENDENT AUDITOR’S REPORT

TO THE GENERAL ASSEMBLY THRU THE BOARD OF DIRECTORS SAN DIONISIO CREDIT COOPERATIVE 0554 Quirino Avenue San Dionisio Paranaque City

I have audited the accompanying financial statements of SAN DIONISIO CREDIT COOPERATIVE, which comprise the statements of financial condition as at December 31, 2012 and 2011, and the related statements of operations, statements of changes in equity and statements of cash flows for the years then ended, and a summary of significant accounting policies and other explanatory notes.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of these financial statements in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles. This responsibility includes: designing, implementing and maintaining internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatements, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.

Auditor’s Responsibility

My responsibility is to express an opinion on these financial statements based on my audit. I conducted my audit in accordance with Philippine Standards on Auditing. Those standards require that I comply with ethical requirements and plan and perform the audit to obtain reasonable assurance whether the financial statements are free from material misstatements.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

I believe that the audit evidence I have obtained is sufficient and appropriate to provide a basis for my audit opinion.

Opinion

In my opinion, the financial statements present fairly, in all material respects, the financial position of SAN DIONISIO CREDIT COOPERATIVE as of December 31, 2012 and 2011, and of its financial performance,changes in equity, and its cash flows for the years then ended in accordance with Financial Reporting Standards applicable to Cooperatives in the Philippines, taking into consideration Cooperative laws, rules, regulations and principles.

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Report on the Bureau of Internal Revenue Requirement

My audit was conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The supplementary information on taxes and licenses in the related notes the financial statements is presented for the purposes of filing with Bureau of Internal Revenue and is not a required part of the basic financial statements. Such information is the responsibility of management and has been subjected to the auditing procedures applied in my audit of the basic financial statements. In my opinion, the information is fairly stated in all material respects in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AME CPA No. 79047 TIN No. 134-550-503-000 PTR No. CAV3179656 , January 03, 2013, Trece Martires City, Cavite BOA Reg. No. 0195 (January 1, 2011 to December 31, 2013) SEC Accreditation No. 0448-AR-2 (Category C) (January 18, 2013 to January 17, 2016) BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 7, 2014) CDA Accreditation No. 0001 (April 20, 2010 to April 20, 2013)

February 16, 2013

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SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF FINANCIAL CONDITIONAs of December 31, 2012 and 2011(Amounts in Philippine Pesos)

Notes 2012 2011

Current AssetsCash and Cash Equivalents 2,5 91,642,242.34 30,997,617.62 Short Term Investments 2,6 11,822,914.40 7,106,759.60 Loans Receivables 2,7 605,742,880.71 590,870,999.66 Other Receivables 2,8 18,407,427.91 13,568,042.02

Inventory 2,9 3,023,932.05 3,137,871.54 Unused Office Supplies 2,10 129,465.60 488,040.80 Prepaid Expenses 2,11 1,614,668.09 1,299,189.03 Total Current Assets 732,383,531.10 647,468,520.27

Non-current AssetsInvestment in non-marketable equity securities 2,12 31,912,702.41 16,518,865.43 Property, Plant and Equipment (net) 2,13 20,883,654.75 18,971,170.57 Investment Property 2,14 55,366,952.78 56,281,640.93 Other Non- Current Assets 2,15 30,176,717.91 29,743,136.49 Total Non-Current Assets 138,340,027.85 121,514,813.42

TOTAL ASSETS 870,723,558.95 768,983,333.69

LIABILITIESCurrent Liabilities

Deposit Liabilities 2,16 490,031,196.26 454,026,606.61 Interest on Share Capital Payable 2,25 14,132,043.43 13,027,126.74 Patronage Refund Payable 2,25 6,399,659.35 5,834,845.26 Due to Unions/Federations 2,25 1,568,607.89 1,998,337.10 Loans Payable Short-term 2,17 5,898,047.14 - Other Current Liabilities 2,18 5,178,989.28 2,242,358.34

Total Current Liabilities 523,208,543.35 477,129,274.05 Non-Current Liabilities

Members' Benefit and Other Funds Payable 2,19 29,796,478.43 34,717,904.41 Loans Payable-Long-term 2,17 28,585,758.34 -

Other Non-current Liabilities 2,20 672,805.48 672,805.48 Total Non-Current Liabilities 59,055,042.25 35,390,709.89

TOTAL LIABILITIES 582,263,585.60 512,519,983.94

EQUITYShare Capital 2,21 247,004,010.62 233,257,860.92 Donations/Grants 2 860,168.85 818,322.59

247,864,179.47 234,076,183.51 Statutory Funds

Reserve Fund 2,22,25 29,299,780.03 14,143,089.66 Cooperative Education and Training Fund 2,22,25 1,871,564.55 1,432,741.63

Community Development Fund 2,22,25 2,222,902.51 1,678,083.54 Optional Fund 2,22,25 7,201,546.79 5,133,251.41

Total Statutory Funds 40,595,793.88 22,387,166.24 TOTAL EQUITY 288,459,973.35 256,463,349.75 TOTAL LIABILITIES AND EQUITY 870,723,558.95 768,983,333.69

See Accompanying Notes to Financial Statements.

ASSETS

LIABILITIES AND EQUITY

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SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF OPERATIONSFor the years ended December 31, 2012 and 2011(Amounts in Philippine Pesos)

Notes 2012 2011REVENUE

Income from Credit Operations 74,485,025.76 68,166,844.49 Income from Investments 4,560,193.86 1,831,855.99 Income from Consumer Operations 1,015,384.29 797,447.30 Income from Drug Store Operations (69,594.04) 341,951.05 Other Income 2,23 22,431,376.35 25,058,278.32 TOTAL INCOME 102,422,386.22 96,196,377.15

FINANCING COSTSInterest Expense on Time Deposits 9,358,802.88 11,061,552.56 Interest Expense on Savings Deposits 2,801,806.43 2,338,421.36 Interest Expense on Koop-paluwagan 3,320.84 5,467.92 Interest Expense on Sinag Deposit 5,039,346.21 925,089.99 Interest Expense on Borrowings 2,087,811.94 -

TOTAL FINANCING COSTS 19,291,088.30 14,330,531.83

ADMINISTRATIVE COSTS 2,24 53,981,217.92 55,386,420.29

PROJECT SUBSIDY 35,000.04 60,165.55

NET SURPLUS FROM OPERATIONS 29,185,080.04 26,539,590.58

EXTRAORDINARY ITEMSGain on Sale of Acquired Assets (6,783.08) 23,635.00 Prior Year Adjustment 368,779.88 481,129.62 TOTAL EXTRAORDINARY ITEMS 361,996.80 504,764.62

NET SURPLUS 29,547,076.84 27,044,355.20

DISTRIBUTED AS FOLLOWS:Reserve Fund 2,22,25 2,954,707.68 2,704,435.52 Cooperative Education and Training Fund 2,22,25 1,477,353.84 1,352,217.76 Due to Unions/ Federations 2,25 1,477,353.84 1,352,217.76 Community Development Fund 2,22,25 886,412.31 811,330.66 Optional Fund 2,22,25 2,068,295.38 1,893,104.86 Interest on Share Capital 2,25 14,478,067.65 13,251,734.05 Patronage Refund 2,25 6,204,886.14 5,679,314.59

NET SURPLUS AS DISTRIBUTED 29,547,076.84 27,044,355.20

See Accompanying Notes to Financial Statements.

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SAN DIONISIO CREDIT COOPERATIVE(CONSUMER OPERATIONS)0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF OPERATIONSFor the years ended December 31, 2012 and 2011(Amounts in Philippine Pesos)

2012 2011

SALES 96,666.62 388,789.36

COST OF SALESBeginning Inventory 531,503.20 664,733.80 Purchases (Net of returns and discounts) 3,846.00 174,763.00 Cost of Goods Available for Sale 535,349.20 839,496.80 Ending Inventory (508,238.90) (531,503.20) Cost of Goods Sold 27,110.30 307,993.60

GROSS INCOME 69,556.32 80,795.76

OTHER INCOMEIncome from Bayad Center 610,735.37 503,569.92 Income from Service Fee- PLDT 60,815.70 72,715.35 Income from Western Union 67,537.49 68,073.37 Income from DPEX - 2,506.65 Income from Coop Assurance 206,739.41 69,786.25 Total 945,827.97 716,651.54

INCOME FROM CONSUMER OPERATIONS 1,015,384.29 797,447.30

See Accompanying Notes to Financial Statements.

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SAN DIONISIO CREDIT COOPERATIVE(BOTICA DE SAN DIONISIO)0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF OPERATIONSFor the years ended December 31, 2012 and 2011(Amounts in Philippine Pesos)

2012 2011

SALES 19,547,576.97 18,736,055.94

COST OF SALESBeginning Inventory 2,606,368.34 2,283,102.41 Purchases (Net of Return and discounts) 17,280,739.99 16,762,067.12 Cost of Goods Available for Sale 19,887,108.33 19,045,169.53 Ending Inventory (2,515,693.15) (2,606,368.34) Cost of Goods Sold 17,371,415.18 16,438,801.19

Gross Income before Other Income 2,176,161.79 2,297,254.75 Add: Income from Investment 6,503.89 6,339.21 Commission Income 44,171.50 50,560.02

GROSS INCOME AFTER OTHER INCOME 2,226,837.18 2,354,153.98

EXPENSESSalaries and wages 827,680.03 649,911.02 Employees' benefits 291,848.14 398,613.17 Power, light and water 381,242.00 322,432.55 Depreciation and amortization 196,453.25 179,146.15 Office Supplies 92,384.25 78,623.40 Retirement Benefit 108,108.15 70,663.44 SSS/ECC/PhilHealth/HDMF contributions 58,531.60 58,403.80 Miscellaneous Expense 48,523.60 26,294.79 Travel and Transportation 130,571.41 102,748.03 Communication Expense 19,492.99 17,585.71 Insurance Expense 37,520.02 22,979.99 Repairs and Maintenance 6,067.90 9,114.65 Taxes and Licenses 7,914.50 3,292.50 General Support Expense 57,313.00 31,175.00 Bank Charges 0.00 - Representation Expense 4,489.00 1,189.25 Total Expenses 2,268,139.84 1,972,173.45

INCOME FROM OPERATIONS (41,302.66) 381,980.53 Add(deduct) prior year adjustment (28,291.38) (40,029.48)

INCOME FROM DRUG STORE OPERATIONS (69,594.04) 341,951.05

See Accompanying Notes to Financial Statements.

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SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF CHANGES IN EQUITYFor the years ended December 31, 2012 and 2011(Amounts in Philippine Pesos)

Notes 2012 2011

SHARE CAPITALAuthorized 5,000,000 shares at Php 100 par value

Balance at beginning of year 233,257,860.92 199,981,805.76 Add: Receipts from Payment of Subscription 22,737,635.55 33,276,055.16 Total 255,995,496.47 233,257,860.92 Less: Adjustments 8,991,485.85 - Balance at end of year 2,21 247,004,010.62 233,257,860.92

DONATIONS/GRANTSBalance at beginning of year 818,322.59 878,488.14 Add: Receipts 124,352.67 - Total 942,675.26 878,488.14 Less: Depreciation Charged to Project Subsidy 82,506.41 60,165.55 Balance at end of year 2 860,168.85 818,322.59

STATUTORY FUNDSReserve Fund

Balance at beginning of year 14,143,089.66 11,438,654.14 Add: Allocation from Net Surplus 2,954,707.68 2,704,435.52 Total 17,097,797.34 14,143,089.66 Adjustments

Transfer from Social Fund Loan Protection 5,000,000.00 Adjustment of Land purchased from Optional Fund 7,201,982.69

Balance at end of year 2,22,25 29,299,780.03 14,143,089.66

Cooperative Education and Training FundBalance at beginning of year 1,432,741.63 1,188,956.83 Add: Allocation from Net Surplus 1,477,353.84 1,352,217.76 Total 2,910,095.47 2,541,174.59 Less: Expenditures/adjustments (1,038,530.92) 1,108,432.96

Balance at end of year 2,22,25 1,871,564.55 1,432,741.63

Community Development FundBalance at beginning of year 1,678,083.54 1,004,379.89 Add: Allocation from Net Surplus 886,412.31 811,330.66 Total 2,564,495.84 1,815,710.55 Less: Expenditures (341,593.33) 137,627.01

Balance at end of year 2,22,25 2,222,902.51 1,678,083.54

Optional FundBalance at beginning of year 5,133,251.41 10,442,129.24 Add: Allocation from Net Surplus 2,068,295.38 1,893,104.86 Total 7,201,546.79 12,335,234.10 Adjustments - 7,201,982.69 Balance at end of year 2,22,25 7,201,546.79 5,133,251.41

TOTAL STATUTORY FUNDS 40,595,793.88 22,387,166.24

TOTAL EQUITY 288,459,973.35 256,463,349.75

See Accompanying Notes to Financial Statements.

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SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue San Dionisio Paranaque City

STATEMENTS OF CASH FLOWSFor the years ended December 31, 2012 and 2011(Amounts in Philippine Pesos)

Notes 2012 2011

CASH FLOWS FROM OPERATING ACTIVITIESNet Surplus 29,547,076.84 27,044,355.20 Adjustments to reconcile net surplus to net cashprovided by operating activities 2,13,14,15

Depreciation- PPE Credit 2,338,491.02 2,227,532.54 Depreciation- Investment Property- Credit 1,277,648.15 1,155,546.19 Depreciation- Botica 162,669.41 145,362.12 Amortization of Bayad Center Franchise- Credit 13,440.00 13,440.00 Amortization of Franchise- Botica 33,783.84 33,783.84 Amortization of Business Development Cost 12,222.24 3,055.56

Provision for probable losses on loans 6,342,000.00 10,842,000.00 Write off of receivables (1,995,473.80) (1,035,932.36)

Operating Income before Working Capital Changes 37,731,857.70 40,429,143.09 Changes in Assets and LiabilitiesDecrease (Increase) in:

Loans and Receivables 2,7 (19,218,407.25) (220,419,758.48) Inventories 2,9 113,939.49 (840,035.33) Unused Office Supplies 2,10 358,575.20 309,152.60 Other Current Assets 2,6,8,11 (9,871,019.75) 6,180,964.70

Increase (Decrease) in:Deposit Liabilities 2,16 36,004,589.65 97,227,409.94 Due to Unions/ Federations 2,25 (1,907,083.05) (520,486.29) Interest on Share Capital Payable 2,25 (13,373,150.96) (11,190,793.34) Patronage Refund Payable 2,25 (5,640,072.05) (4,712,300.51) Other Payables-Current 2,18 2,936,630.94 (226,385.24)

Net cash provided by (used in) operating activities 27,135,859.92 (93,763,088.86)

CASH FLOWS FROM INVESTING ACTIVITIESNet Additions to Investments 2,12 (15,393,836.98) 12,282,093.36 Acquisitions of Property and Equipment 2,13 (4,413,644.61) (2,690,851.98) Acquisitions of Investment Property 2,14 (362,960.00) (270,720.00) Decrease(Increase) in Other Non-current Assets 2,15 (493,027.50) 22,686,675.52 Net cash provided by (used in) investing activities (20,663,469.09) 32,007,196.90

CASH FLOWS FROM FINANCING ACTIVITIESNet Changes in Share Capital 2,21 13,746,149.70 33,276,055.16 Net Changes in Donations/Grants 2 41,846.26 (60,165.55) Increase(Decrease) in Non-current liabilities 2,20 (4,921,425.98) 4,043,646.80 Increase in Loans (Short-term and long-term) 2,17 34,483,805.48 - Change in Statutory Funds 2,22,25 10,821,858.43 (8,448,042.66) Net cash provided by (used in) financing activities 54,172,233.89 28,811,493.75

NET INCREASE IN CASH AND CASH EQUIVALENTS 60,644,624.72 (32,944,398.21) ADD: CASH AND CASH EQUIVALENTS, JANUARY 1 30,997,617.62 63,942,015.83

CASH AND CASH EQUIVALENTS, DECEMBER 31 91,642,242.34 30,997,617.62

See Accompanying Notes to Financial Statements.

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SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue, San Dionisio, Parañaque City

NOTES TO FINANCIAL STATEMENTSAs of December 31, 2012(Amounts in Philippine Pesos)

1. GENERAL INFORMATION

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

2.1.1 Functional Currency

2.1 Basis of Preparation of Financial Statements

To facilitate the understanding of the financial statements, the more significant accounting policies andpractices of the Cooperative are summarized as follows:

The Cooperative's financial statements have been prepared on a historical cost basis in accordance with theFinancial Reporting Standards applicable to cooperatives in the Philippines, taking into considerationCooperative laws, rules, regulations and principles.

The SAN DIONISIO CREDIT COOPERATIVE (SDCC) was organized and registered on July 28, 1961 asSan Dionisio Cooperative Credit Union ( SDCCUI). SDCCUI started with 28 original members with Php380.00 share capital. Subsequently, it was registered with the Cooperative Administration Office ( CAO) andthe Bureau of Cooperative Development ( BACOD) on September 8, 1961 and February 21, 1975,respectively.

The Cooperative has evolved from a credit cooperative into a multi-purpose cooperative, retaining the name ofSAN DIONISIO CREDIT COOPERATIVE. It was later registered with the Cooperative DevelopmentAuthority ( CDA) in compliance with R.A. 6938 per Registration/Confirmation No. MLA-C922-091, issued onSept. 20, 1991. With the promulgation of R.A. 9520, otherwise known as the "Philippine Cooperative Code of2008", the Cooperative was issued its new Registration No 9520-160000729 , on October 16, 2009.

The Cooperative was issued a Certificate of Good Standing No. MEO - CGS-2011-179 on April 6, 2011.Further, SDCC was granted by the Bureau of Internal Revenue in its letter dated August 5, 2010 tax exemptionprivileges for all taxes and fees imposed under the national internal revenue laws and other laws pursuant toArticle 60 of RA 9520, as implemented by Section 3 of Revenue Regulation No. 20-2011

The financial statements of the cooperative as of December 31, 2012 ,were authorized for issue by its board ofdirectors on February 15, 2013.

Items included in the financial statements of the cooperative are measured using the currency that best reflectsthe economic substance of the underlying events and circumstances relevant to the Cooperative. The financialstatements are presented in Philippine Peso which is the Cooperative's functional and presentation currency,and all values are rounded to the nearest peso except when otherwise indicated.

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Notes to F

inancial Statem

ent

PAS 1 - Presentation of Financial StatementsPAS 2 - InventoriesPAS 7 - Cash Flow StatementPAS 8 - Accounting Policies, Changes in Accounting Estimates and ErrorsPAS 10 - Events after Balance Sheet DatePAS 16 - Property, Plant and EquipmentPAS 18 - RevenuePAS 19 - Employee BenefitsPAS 24 - Related Party TransactionsPAS 32 - Financial Instruments: Disclosure and PresentationPAS 36 - Impairment of AssetsPAS 38 - Intangible AssetsPAS 39 - Financial Instruments: Recognition and MeasurementPAS 40 - Investment Property

Prescribes the criteria for selecting and changing accounting policies, together with the accounting treatmentand disclosure of changes in accounting estimates and corrections of errors.

2.2 Statement of Compliance

The financial statements were prepared in accordance with the generally accepted accounting principles in thePhilippines referred to as the Statements of Financial Accounting Standards ("SFAS"), revised based onPhilippine Accounting Standards ("PAS"), which became effective for annual reporting periods beginning on orbefore January 1, 2005, and in adherence to the cooperative laws, issued policies, rules and regulations andcooperative principles and practices whenever applicable.

Sets out the overall requirements for Financial Statement presentation, structure and content. The Standardrequires the entity to present separate classifications for current and non-current assets and liabilities.

Requires the provision of information about the historical changes in cash and cash equivalents of an entity bymeans of a cash flow statement which classifies cash flows during the period from operating, investing andfinancing activities.

2.3 Accounting Policies Adopted

PAS 8 - Accounting Policies, Changes in Accounting Estimates and Errors

PAS 16 - Property, Plant and Equipment

Prescribes the accounting treatment for property, plant and equipment and related disclosure requirements. Itclarifies that the principal issues in accounting for property, plant and equipment are the recognition of theassets, the determination of their carrying amounts and the depreciation charges and impairment losses to berecognized in relation to them.

PAS 10 - Events After Balance Sheet Date

The standard is applied in the accounting for, and disclosure of events after balance sheet date.

Prescribes the accounting treatment for inventories

PAS 7 - Cash Flow Statement

PAS 2 - Inventories

PAS 1 - Presentation of Financial Statements

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PAS 24 - Related Party Transactions

PAS 36 - Impairment of Assets

Cash and Cash Equivalents

Financial assets are recognized in the Cooperative's financial statements when the Cooperative becomes a partyto the contractual provisions of the instrument. Transaction costs are included in the initial measurement of allfinancial assets.

Financial Assets

Prescribes the accounting procedures and principles for the recognition and measurement of financialinstruments, both financial assets and financial liabilities.

PAS 19 - Employee Benefits

Cash includes cash on hand and in banks. Cash equivalents are short-term, highly liquid investments that arereadily convertible to known amounts of cash and with original maturities of three months or less and that aresubject to an insignificant risk of change in value.

PAS 40 - Investment Property

PAS 32 - Financial Instruments: Disclosure and Presentation

PAS 39 - Financial Instruments: Recognition and Measurement

Prescribes the accounting treatment for Intangible Assets not dealt with specifically in another Standard

PAS 38 - Intangible Assets

This standard applies in: (a) identifying related party relationships transactions; (b) identifyingoutstanding balances between an entity and its related parties; identifying the circumstances in whichdisclosures to be made about these items.

Prescribes the disclosure requirement of each kind of financial instrument and its proper presentation.

PAS 18 - Revenue

Revenue is recognized when it is probable that the future economic benefits will flow to the entity and thesebenefits can be reliably measured.

Prescribes the accounting and disclosure for employee benefits. The Standard requires an entity to recognize aliability when an employee has provided service in exchange for employee benefits to be paid in the future; andan expense when the entity consumes the economic benefit arising from service provided by an employee inexchange for employee benefits.

This standard applies in accounting for the impairment of assets other than those covered by separatestandards.

Prescribes the accounting treatment and disclosure requirements for Investment Property

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inancial Statem

ent

Expenditures incurred after the property and equipment have been put into operation, such as repairs andmaintenance, are normally charged to income in the period the costs are incurred. In situations where it can beclearly demonstrated that the expenditures have resulted in an increase in the future economic benefits expectedto be obtained from the use of an item of property and equipment beyond its originally assessed standard ofperformance, the expenditures are capitalized as additional costs of property and equipment.

Investments in Non-Marketable Equity Securities (INMES) are investments in equity instruments that do nothave quoted market price in an active market and whose fair value cannot be reliably measured. After initialrecognition, they are measured at cost. A gain or loss arising from the change in fair value of the INMES shallbe recognized in profit or loss when the security is derecognized or impaired.

Property and equipment are carried at cost less accumulated depreciation, amortization and impairment invalue.

Allowance for probable losses is maintained at a level considered adequate to provide for potential losses onloans and other resources. The allowance is increased by provision charged to operations and reduced by netwrite-offs and reversals. The level of allowance is set up at the higher of the amount determined based onmanagement's evaluation of potential losses after consideration of prevailing and anticipated economicconditions.

Inventories

Property and Equipment

Loans receivable are presented in the financial statement at its realizable value. Provision for probablelosses is estimated based on historical loss experience, current economic conditions and other risk factorsobtained during the collection process. Credit review is made periodically by an officer duly delegated with suchresponsibility.

Allowance for probable losses

Loans and receivables

Investment in Non-Marketable Equity Securities (INMES)

Loans and receivables are non-derivative financial assets with fixed or determinable payments that are notquoted in an active market. The carrying amount of the asset shall be reduced either directly or through the useof an allowance account. The amount of the loss shall be recognized in profit or loss.

Loans receivable are classified as current and non-current or past due accounts. These are further sub-classifiedas regular loan receivable and special loan receivable. Interest income on these loans are recognized only uponcollections.

Inventories are assets which are held for sale in the ordinary course of the business. They are valued at thelower of cost and net realizable value.

The Cooperative derecognizes a financial asset only when the contractual rights to the cash flows from the assetexpire; or it transfers the financial asset and substantially all the risks and rewards of ownership of the asset toanother entity. If the Cooperative neither transfers nor retains substantially all the risks and rewards ofownership and continues to control the transferred asset, the Cooperative recognizes its retained interest in theasset and an associated liability for amounts it may have to pay. The Cooperative's financial assets include cashand trade and other receivables.

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Investment Property

Financial Liabilities

Fully depreciated assets are retained in the accounts until they are disposed, and no further charge fordepreciation is made in respect to those assets. Any gain resulting from their disposal is included in thestatement of operations for the period.

Deposit Liabilities are the liabilities of the cooperative to its members, these are interest-bearing deposits madeby the members that can be withdrawn anytime at the option of the depositors.

Due to Union/Federation is the liability of the cooperative to a federation or union to which the cooperative is amember. In compliance with Section 87 of the Cooperative Code of the Philippines, the cooperative has setaside ten percent (10%) of net surplus for Education and Training Fund. One half of this amount shall beutilized by the Cooperative for its own education and training activities while the other half shall be credited tothe Cooperative education and training fund of the APEX organization of which the cooperative is a member.

Deposit Liabilities

Interest on Share Capital Payable is the liability of the cooperative to its members for interest on share capital,which can be determined only at the end of every reporting period.

Accruals , if any, are liabilities to pay for goods or services that have been received or supplied but have notbeen paid, invoiced or formally agreed with the supplier, including amounts due to employees and cooperativemembers.

Financial liabilities are recognized in the Cooperative's financial statements when the Cooperative becomes aparty to the contractual provisions of the instrument. Transaction costs are included in the initial measurementof all financial liabilities.

Accruals

When assets are retired or otherwise disposed of, the cost and the related accumulated depreciation,amortization and impairment loss, if any, are removed from the accounts and any resulting gain or loss iscredited or charged to current operations.

Depreciation is calculated on a straight-line basis over the estimated useful lives of the assets which range from1-10 years.

Due to Union/Federation

Interest on Share Capital Payable

Financial liabilities are derecognized by the Cooperative when the obligation under the liability is discharged,cancelled, or expired.

Investment property are carried at cost less accumulated depreciation and any impairments in value.

Intangible Assets

Intangibles assets like franchise costs are carried at cost less accumulated amortization and any impairments invalue.

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a. Reserve Fund;b. Education and Training Fund;c. Optional Fund;d. Community Development Fund

The By-laws of the Cooperative has mandated the following manner of distribution of its Net Surplus:

Reserve Fund - 10% of Net SurplusEducational Fund - 10% of Net Surplus broken down as follows: 5% Local 5% of Net SurplusCommunity Development Fund - 3% of Net SurplusOptional Fund - 7% of Net Surplus

Revenue Recognition

To safeguard the interest of the cooperative, revenue recognition is as follows:

Revenues from all sources are recognized at the time earned and collected. Specific revenues are recognizedbased on the following:

Statutory Funds

Patronage Refund Payable is the liability of the cooperative to its members-patrons for patronage refund, whichcan be determined only at the end of every accounting period.

Statutory Funds are mandated by Sections 86 and 87 of the RA 9520, otherwise known as the CooperativeCode of the Philippines, to be set up by the Cooperative. They are as follows:

Patronage Refund Payable

Interest income, penalties and income from other sources - It is recognized as the income is earned andcollected.

Service and membership fees - It is recognized when the loans are granted and corresponding charges werededucted from loan proceeds and when members are accepted as such in the Cooperative and paid such fees.

Sales - It is recognized as the income is earned. Accounts Receivable is set up for collection.

The remaining balance of the net surplus is available for interest on share capital and patronage refundto be distributed at 70% and 30% respectively.

The basis for the computation of the interest on share capital is the average share capital while the total interestis used in determining the patronage refund.

The Cooperative generally adheres to PAS and PFRS but due to the nature of the cooperative and its adherenceto cooperative principles and practices, there are some deviations to the general rule, especially when it comesto revenue recognition. Reason for such, is that any net surplus from the operations will be available fordistribution to its members through interest on share capital and patronage refund.

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Retirement Funds Payable represents the accumulated benefit costs charged against income of the Cooperativewhich is determined using the accrued benefit actuarial cost method. The method reflects the length of service ofthe participating employee as of the date of valuation.

The following accounts are peculiar to a Cooperative due to its nature as well as adherence to Cooperativelaws, issued policies, rules and regulations, as well as cooperative principles and practices:

LIABILITIES

ASSETS

Retirement Benefits

The Cooperative has a defined contribution plan wherein the cooperative contribute a fixed amount to the fund.The fund is utilized in settlement of the separation pay of separated employee/s. The contributions arerecognized as expense whenever a contribution is made.

Short-term Benefits

Employee Benefits

The Cooperative recognizes a liability net of amounts already paid and an expense for services rendered byemployees during the accounting period. Short-term benefits given by the Company to its employees includesalaries and wages, social security contributions, short-term compensated absences and non-monetary benefits.

Cash in Cooperative Federation - refers to money deposited in federations which are unrestricted and readilyavailable when needed. These are treated as cash and other cash equivalents.

Due from Accountable Officers and Employees - refers to total collectibles from shortages and other lossesdue from accountable officers and employees that are subject to immediate settlement/sanction. These arerecognized at cost, less allowance for impairment, if any.

Cooperative Development Cost - refers to expenses incurred prior to the actual operations of the cooperative.These are recognized at cost, subject to amortization for a period not exceeding 3 years.

Other Funds and Deposits - refers to funds set aside for funding of reserves (Statutory and Other Reserves)established by the cooperative such as Retirement, Mutual Benefit and other Funds. This is recorded at cost.

The Company identifies subsequent events as events that occurred after the balance sheet date but before thedate when the financial statements were authorized for issue. Any subsequent events that provide additionalinformation about the Cooperative's financial position at the balance sheet date are reflected in the financialstatements. Non-adjusting subsequent events are disclosed in the notes to the financial statements whenmaterial.

Events after Balance Sheet Date

ACCOUNTS PECULIAR TO COOPERATIVES

Interest on Share Capital Payable - refers to liability of the cooperative to its members for interest on sharecapital, which can be determined only at the end of every fiscal year.

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EQUITY

EXPENSES

Optional Fund - fund set aside from the net surplus (should not exceed 10%) for future use such as land andbuilding, community developments, etc.

Project Subsidy Fund Payable - unused portion of the donation/grant for training, salaries and wages, etc.

Members' Benefit and Other Funds Payable - are funds for special purposes such as members' welfare andbenefits, i.e. loan protection, hospitalization, death, scholarship assistance, etc. including KBGF/CooperativeGuarantee Fund, provision for accidents not taken from net surplus.

Patronage Refund Payable - is the liability of the cooperative to its members and patrons for patronage refund,which can be determined only at the end of every fiscal year.

Due to Union/Federation (CETF) - is an amount set aside for the education and training fund of an APEXorganization, which is 50% of the amount allocated, by the cooperative in accordance with the provision of thecooperative's by-laws and the Cooperative Code. The APEX organization may either be a federation or union ofwhich the cooperative is a member.

Revolving Capital Payable - is the deferred payment of interest on share capital and patronage refund whosepayment has been withheld, which should be agreed upon in the General Assembly.

General Assembly Meeting - expenses incurred in the conduct of regular/special general assembly.

Members' Benefit - all expenses incurred for the benefit of the members.

Affiliation Fee - amount incurred to cover membership or registration fees and annual dues to a federation orunion.

Social and Community Service - expenses incurred by the cooperative in its social community involvementincluding solicitations and donations to charitable institutions.

Provision for CGF (KBGF) - amount set up for the provisions of CGF (KBGF) or the Cooperative GuaranteeFund

Donations/Grants - are amounts received by the cooperative as awards, subsidies, grants, aids and others. Thisshall not be available for distribution as interest on share capital and patronage refund, and shall form part ofthe members' equity of the Statement of Financial Condition.

Statutory Funds - are Mandatory funds established/set up in accordance with Articles 86 and 87 of theCooperative Code. They are as follows:

Reserve Fund - amounts set aside annually for the stability of the cooperative and to meet net losses in itsoperations. It is equivalent to at least 10% of the net surplus. A corresponding fund should be set up either inthe form of time deposit with local banks or government securities. Only the amount in excess of the paid upshare capital may be used for the expansion and authorized investment of the cooperative as provided for in itsby-laws.

Education and Training Fund - an amount retained by the cooperative out of the mandatory allocation asstipulated in the cooperative's by-laws.

Community Development Fund - this is computed at a minimum of 3% of cooperative's net surplus. This isused for projects or activities that will benefit the community where the cooperative operates.

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3. MANAGEMENT'S SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES

3.1 Judgments

3.2 Estimates

OTHER ITEMS

The preparation of the Cooperative’s financial statements in conformity with Financial Reporting Framework(in reference to the Generally Accepted Accounting Principles of the Philippines) requires management to makeestimates and assumptions that affect the amounts reported in the Cooperative’s financial statements andaccompanying notes. The estimates and assumptions used in the Cooperative’s financial statements are basedupon management’s evaluation of relevant facts and circumstances as of the date of the Cooperative’s financialstatements. Actual results could differ from such estimates, judgments and estimates are continually evaluatedand are based on historical experience and other factors, including expectations of future events that arebelieved to be reasonable under the circumstances.

In the application of the Cooperative’s accounting policies, management is required to make judgments,estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparentfrom other sources. The estimates and associated assumptions are based on historical experience and otherfactors that are considered to be relevant. Actual results may differ from these estimates.

Also, due to the cash-based income distribution scheme of a cooperative as well as the inherent limitations ofsmall-scale countryside credit cooperatives, it cannot adopt the effective interest method in recognizing interestincome on loans receivable.

Project Subsidy - refers to the amount deducted from Project subsidy fund to subsidize project expenses. Thisshall appear in the statement of operation as a contra account to Subsidized Project Expenses.

Donation and Grant Subsidy - refers to an amount deducted from Donations and Grants account to subsidizedepreciation funded by donations and grants.

Optional Fund Subsidy - refers to an amount deducted from Optional Fund to subsidize depreciation fundedby Optional Fund and/or community development expense.

Subsidized Project Expenses - refers to a portion of the Project Subsidy Fund expended for training, salariesand wages and other activities subsidized by donations and grants.

The Cooperative Code states that a Cooperative transacting business only with its members is exempt from allgovernment taxes, and therefore cannot apply the PAS for income taxes because of its tax-exempt nature.However, should the cooperative exceed the limits as set forth in the Cooperative Code, it will adopt theaccounting standards for income taxes as stated in PAS 12.

As a rule, cooperatives adopt the accrual basis of accounting. However, for credit and other cooperatives,recognition of revenues is on a modified accrual basis; i.e., interest income, fines, penalties and surcharges shallbe recognized when earned and actually collected. This is so because only interest income, fines, penalties andsurcharges on loans receivable that has been realized (i.e., earned and collected) shall be the basis of the incomeavailable for distribution to its members through interest on share capital and patronage refund.

INCOME TAXES

INCOME RECOGNITION

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Land Improvements 50 yearsBuilding 50 yearsBuilding Improvement 50 yearsOffice Equipment 1-3 yearsOffice Furniture and Fixtures 1-5 yearsTransportation Equipment 3-5 yearsConsumer Equipment 3-5 years

A reduction in the estimated useful lives of the property, plant and equipment would increase the recordedexpenses and decrease the noncurrent assets.

Allowance for Doubtful Accounts

The following represents a summary of the significant estimates and judgments and related impact andassociated risks in the Cooperative’s financial statements.

The Cooperative is required to perform an impairment review when certain impairment indicators are present.Purchase accounting requires extensive use of accounting estimates and judgment to allocate the purchase priceto the fair market values of the assets and liabilities.

Estimated Useful Lives of Property, Plant and Equipment

The Cooperative assesses whether objective evidence of impairment exist for receivables and due from relatedparties that are individually significant and collectively for receivables that are not individually significant.Allowance for doubtful accounts is maintained at a level considered adequate to provide for potentiallyuncollectible receivables.

Impairment of Non-financial Assets

Depreciation is computed on a straight-line method over the estimated useful lives of the assets as follows:

The foregoing estimated useful lives and depreciation method are reviewed from time to time to ensure thatthese are consistent with the expected economic benefits of the property and equipment.

The Cooperative estimates the useful lives of property, plant and equipment based on the period over which theproperty, plant and equipment are expected to be available for use. The estimated useful lives of the property,plant and equipment are reviewed periodically and are updated if expectations differ from previous estimatesdue to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of theproperty, plant and equipment. In addition, the estimation of the useful lives of property, plant and equipmentis based on the collective assessment of industry practice, internal technical evaluation and experience withsimilar assets. It is possible, however, that future financial performance could be materially affected bychanges in the estimates brought about by changes in factors mentioned above. The amounts and timing ofrecorded expenses for any period would be affected by changes in these factors and circumstances.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimatesare recognized in the period in which the estimate is revised if the revision affects only that period, or in theperiod of the revision and future periods if the revision affects both current and future periods.

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4. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES

Determining the fair value of property, plant and equipment, investments and intangible assets, which requirethe determination of future cash flows expected to be generated from the continued use and ultimate dispositionof such assets, requires the Cooperative to make estimates and assumptions that can materially affect thefinancial statements. Future events could cause the Cooperative to conclude that property, plant and equipmentand other long-lived assets are impaired. Any resulting impairment loss could have a material adverse impact onthe Cooperative's financial condition and results of operations.

The Cooperative is exposed to credit, liquidity, and other risks that arise in the normal course of its business. Itsrisk and control framework includes a focus on minimizing negative effects on the Cooperative's financialperformance due to unpredictability of financial markets that drives the risks.

Revenue is recognized when it is probable that the economic benefits associated with thetransaction will flow to the Cooperative and the amount of revenue can be measured reliably. Revenuesfrom transactions of the Cooperative are recognized on a modified accrual basis.

The Cooperative’s revenue recognition policies require the use of estimates and assumptions that may affect thereported amounts of revenues and receivables. Differences between the amounts initially recognized and actualsettlements are taken up in the accounts upon reconciliation. However, there is no assurance that such use ofestimates may not result to material adjustments in future periods.

The preparation of the estimated future cash flows involves significant judgment and estimations. While theCooperative believes that its assumptions are appropriate and reasonable, significant changes in theseassumptions may materially affect the Cooperative's assessment of recoverable values and may lead to futureadditional impairment charges.

Revenue recognition

The primary source of the Cooperative's interest risk relates to cash and cash equivalents.

Liquidity risk is the risk that the Cooperative will not be able to meet its financial obligations as they fall due.The Cooperative is not exposed to liquidity risk even if it has deposit liabilities because it has been maintainingsufficient cash to address obligations and payables. Liquidity position is being monitored and evaluatedregularly by the Board through continuously monitoring forecasts and actual cash flows.

Credit Risk

Liquidity Risk

The Cooperative's management believes that any 10% change in interest rate risk will not have any materialimpact on the financial statements.

Credit risk refers to the risk of inability to service a debt and the potential loss arising from default of aborrower. The Cooperative has no significant concentration of credit risk. It has policies and proceduresregarding its loan portfolio. Status of receivables are being monitored and reviewed regularly.

Interest Rate Risk

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5. CASH AND CASH EQUIVALENTS

This account consists of the following:

Notes 2012 2011

Cash on Hand 218,260.81 18,472.65 Cash in Bank:

Metro South Coop Bank 35,564,940.38 679,968.40 Banco de Oro 18,584,726.45 12,450,326.20 Metro Bank & Trust Co. 16,049,209.65 5,134,493.08 Bank of the Phil. Island 13,774,211.87 5,994,046.32 Maybank 3,341,912.48 1,665,169.69 Land Bank of the Phils. 1,421,706.67 1,399,147.53 Union Bank of the Phils. 1,403,274.03 2,371,993.75

Petty Cash Fund 30,000.00 30,000.00 Revolving Fund 1,254,000.00 1,254,000.00 Total Cash and Cash Equivalents 91,642,242.34 30,997,617.62

Cash in banks as well as time deposits earn interest at rates based on daily bank deposits rates.

6. SHORT TERM INVESTMENTS

This account consists of the following:

2012 2011

NATCCO Central Fund Loan 3,534,243.94 3,253,066.37 NATCCO Central Fund Loan 4,186,781.64 3,853,693.23 NATCCO Central Fund Loan 1,036,555.53 - NATCCO Central Fund Loan 1,036,555.53 - NATCCO Central Fund Loan 1,014,388.88 - NATCCO Central Fund Loan 1,014,388.88 - Total Short Term Investments 11,822,914.40 7,106,759.60

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7. LOANS RECEIVABLE

This account consists of the following:

2012 2011

CURRENTDue within this year 6,339,086.41 2,934,095.18 Due after this year 441,692,821.46 451,856,348.86

Total Current 448,031,907.87 454,790,444.04

RESTRUCTURED 42,467,804.56 4,833,108.99

PAST DUE (Loan balance with 1 day or more missed payment) 146,740,169.30 154,558,673.05

With arrears 27,660,296.69 74,067,110.74 1-30 days 8,745,801.90 8,320,434.09 31-60 days 5,643,305.87 14,802,706.30 61-90 days 3,245,828.44 11,025,684.60 91-365 days 10,025,360.48 39,918,285.80

over 12 months 144,986.89 386,886.07 matured loans 23,645,676.91 18,785,566.33 with 20% del. Inst. 69,254,325.12 50,048,363.40

Restructured with arrears 14,371,065.85 1,583,942.81

1-30 days 4,289,529.57 131,452.37 31-60 days 2,907,132.77 155,771.58 61-90 days 2,325,388.42 260,116.68 91-365 days 4,849,015.09 1,036,602.18 over 12 months - matured loans - 2,591,103.27 with 20% del. Inst. 3,947,354.33 7,095,700.43

7,716,463.51 LOANS IN LITIGATION 6,541,637.70 10,476,442.90

Total Loans Receivable 643,781,519.43 624,658,668.98 Less: Allowance for probable Losses on Loans 38,037,657.30 33,691,131.10 Loans Receivable , Net 605,743,862.13 590,967,537.88

Total loans receivable per subsidiary ledgers 643,781,519.43 624,658,668.98 Total loans receivable per general Ledger 643,780,538.01 624,562,130.76 Difference ( Subsidiary ledgers over general Ledger) 981.42 96,538.22

The Cooperative, in its effort to comply with the requirements of the Cooperative Development Authority insetting up the required provision as per PAR, has established a long-term program in order to increase itsAllowance for probable losses on Loans to the required amount. Further, it has endeavored to restructure itslong outstanding loans receivable in order to ease the burden of its member-borrowers, thereby helping them inthe payment of their loan obligations.

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8. OTHER RECEIVABLES

This account consists of the following:

Notes 2012 2011

Cash Advances to Officers and Employees (51.28) 231,625.65 Escuela de San Dionisio Inc. 26 10,474,795.28 10,242,895.28 Staff 666,692.59 620,997.12 Enabling Solution Inc. 2,756,666.74 256,666.74 Loan Balance - Deceased Member 149,431.23 149,431.23 Court Fee 99,994.01 79,994.01 Rental Fees 76,250.00 - Others-Unadjusted Savings Deposit 61,400.00 62,758.82 SSS 691.12 691.12 Repair of Pajero 6,869.00 14,069.00 Tuition Fee 16,300.00 16,300.00 Social Fund Receivable 13,287.00 13,287.00 PQCUC- Telephone - - Housing Project (2,275.76) (2,275.76) Others- Telephone Bill 428.45 428.45 Returned Check 650.00 100.00 Botica 43,307.56 42,657.13 CLPP 4,006,425.77 1,838,416.23 Other Receivables(Stolen checks) 23,720.91 Other Receivables(others) 825.97 Irine Dela Cruz(EDSD)- SMPO Purchases 3,135.38 Resigned staff 8,883.94 Total 18,407,427.91 13,568,042.02

9. INVENTORY

This account consists of the following:

2012 2011

Drugstore 2,515,693.15 2,606,368.34Consumer:

507,282.90 521,955.00- 8,739.20

956.00 809.00Total Inventory 3,023,932.05 3,137,871.54

The fair values of trade and other receivables have not been disclosed as, due to their short duration,management considers the carrying amounts recognized in the balance sheet to be a reasonable approximationof their fair values.

SDCC BookApplianceStamps

Notes to F

inancial Statem

ent

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10. UNUSED OFFICE SUPPLIES

This account consists of the following:

2012 2011

Credit (various divisions) 129,465.60 486,240.80 Botica de San Dionisio - 1,800.00 Total Unused Office Supplies 129,465.60 488,040.80

11. PREPAID EXPENSES

This account consists of the following:

2012 2011

Tax 1,258,425.00 1,088,325.00 Insurance- Credit 335,635.71 190,442.29 Insurance-Botica 6,235.25 14,504.08 Rent 1,666.69 1,666.69 Communication 12,705.44 4,250.97 Total Prepaid Expenses 1,614,668.09 1,299,189.03

12. INVESTMENT IN NON-MARKETABLE EQUITY SECURITIES

This account consists of the following:

2012 2011

National Coop Mutual Fund of the Philippines., Inc. 11,979,905.43 - Metro South Cooperative Bank 8,321,651.78 8,230,949.50 Coop Life Insurance & Mutual Benefit Services 3,745,025.30 3,532,623.36 Paranaque Federation of Credit Cooperative 2,196,460.32 1,096,460.32 Cooperative Deposit Insurance System 2,000,000.00 - NATCCO Central Fund 570,827.33 560,000.00 Metro Manila Savings Cooperative 100,000.00 100,000.00 Coop Insurance System of the Philippines 70,000.00 70,000.00 National Publishing Cooperative 50,000.00 50,000.00 Philippine Cooperative Center 25,232.25 25,232.25 Paranaque City Union of Cooperatives 11,000.00 11,000.00 NCR Union of Cooperatives 550.00 550.00 Philippine Cooperative Service, Inc. 500.00 500.00 Escuela de San Dionisio, Inc. 2,550,100.00 2,550,100.00 Meralco 257,850.00 257,850.00 Meralco 12,400.00 12,400.00 PLDT 21,200.00 21,200.00 Total Investment in Non-Marketable Equity Securities 31,912,702.41 16,518,865.43

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14. INVESTMENT PROPERTY

This account consists of the following:

Other Other TotalBuilding Land

AT COSTAt January 1 52,943,397.84 10,862,845.50 63,806,243.34 Additions 362,960.00 - 362,960.00 Transfers from Property and Equipment - - - Less: Disposal - - - At December 31 53,306,357.84 10,862,845.50 64,169,203.34

ACCUMULATED DEPRECIATIONJanuary 1 7,524,602.41 - 7,524,602.41 Additions-Credit Operations 1,277,648.15 - 1,277,648.15 Additions-Botica - - - At December 31 8,802,250.56 - 8,802,250.56

NET BOOK VALUE 44,504,107.28 10,862,845.50 55,366,952.78

Other Other TotalBuilding Land

AT COSTAt January 1 51,921,027.84 10,862,845.50 62,783,873.34 Additions 270,720.00 - 270,720.00 Transfers from Property and Equipment 751,650.00 - 751,650.00 Less: Disposal - - - At December 31 52,943,397.84 10,862,845.50 63,806,243.34

ACCUMULATED DEPRECIATIONJanuary 1 6,369,056.22 - 6,369,056.22 Additions-Credit Operations 1,155,546.19 - 1,155,546.19 Additions-Botica - - - At December 31 7,524,602.41 - 7,524,602.41

NET BOOK VALUE 45,418,795.43 10,862,845.50 56,281,640.93

2012

2011

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Notes to F

inancial Statem

ent

15. OTHER NON-CURRENT ASSETS

This account consists of the following:

2012 2011

Computerization cost 402,373.55 356,528.82 Business Development Cost 45,833.31 58,055.55 Other funds and deposits:Reserve Fund deposit:

Metro South Cooperative Bank 14,320,344.17 112,130.70 Metrobank & Trust Company 1,015,392.41 0.14 Maybank TD Reserve Fund 428,008.10 135,055.97 Codis Reserve Fund - 2,000,000.00 NCMF Reserve Fund - 9,337,031.70

Planong Damayan FundBPI Platinum -PDF 732,156.90 1,979,711.83

Social Fund Loan ProtectionMSCB SFLP Fund - 261,535.03 BPI TD SFLP Fund 698,834.54 687,387.92 ENABLING Solution Fund - 2,500,000.00

Other Funds & DepositsBDO Mega Savings 115,393.87 112,972.05 BDO Optimum - CIS 171,534.41 168,180.64 BDO - CIS Bayad Center 1,504,014.37 1,465,355.87 Land Bank C/A Lingap para sa mahirap 441,095.59 439,492.93 MWSS 100.00 100.00 PLDT 570.00 570.00 Meralco 44,150.00 44,150.00 Smart 360.00 360.00

Total-Other funds and deposits 19,920,161.22 19,658,619.15

Miscellaneous Assets 10,246,991.28 10,027,728.09 Franchise Right 9,565.41 56,789.25 Total Other Non-current Assets 30,176,717.91 29,743,136.49

16. DEPOSIT LIABILITIES

This account consists of the following:

2012 2011

Time Deposits 205,724,311.41 247,292,123.85 Savings Deposits 148,874,989.23 133,204,213.62 Koop-paluwagan 132,864.44 245,687.39 Sinag Deposit 135,299,031.18 73,284,581.75 Total Deposits Liabilities 490,031,196.26 454,026,606.61

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17. LOANS PAYABLE

This account consists of the following:

2012 2011

Loans Payable-Short-term 5,898,047.14 - Loans Payable-Long-term 28,585,758.34 -

34,483,805.48 -

18. OTHER CURRENT LIABILITIES

This account consists of the following:

2012 2011

SSS/ECC/PhilHealth Prem. Payable (40,620.57) 40,764.03 Withholding Tax Payable (367,829.83) (289,154.68) Documentary Stamps Tax Payable (420.58) 1,326.43 Other Payables 5,587,860.26 2,489,422.56 Total Other Current Liabilities 5,178,989.28 2,242,358.34

19. MEMBERS' BENEFIT AND OTHER FUNDS PAYABLE

This account consists of the following:

2012 2011

New Planong Damayan Fund 19,002,215.72 20,953,070.48 Social Fund Loan Protection 3,606,850.82 8,921,755.49 Coop Loan Protection Plan 6,255,221.78 3,621,567.92 Coop Health Care Fund 845,976.31 776,627.97 Cooperative Guarantee Fund 3,820.64 362,489.39 Furnitures and Fixtures Fund 50,736.50 50,736.50 Optional Fund 45,656.66 45,656.66

PTL Benefit Fund (14,000.00) (14,000.00) Total Members' Benefit and Other Funds Payable 29,796,478.43 34,717,904.41

Loans payable-short-term consists of the time deposits of the different cooperative in different rates(ranging3.75% to 5.5% P.A. per annum) and terms( from 30 days to730 days).

Loans payable-long-term is loans from metro south cooperative bank with interest rates of 10%,12%, and 13%with the term of 10 years, 3 years and 7 years term.

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20. OTHER NON-CURRENT LIABILITIES

This account consists of the following:

2012 2011

Subscription Payable-MSCB 625,000.00 625,000.00 Subscription Payable-CISP 34,478.00 34,478.00 Subscription Payable-MMSCI 8,396.35 8,396.35 Subscription Payable-NPC 4,931.13 4,931.13 Total Other Non-current Liabilities 672,805.48 672,805.48

21. SHARE CAPITAL

This account consists of the following:

2012 2011

Paid-up share capital-common 247,004,010.62 233,257,860.92 Total Share Capital 247,004,010.62 233,257,860.92

22. STATUTORY FUNDS

This account consists of the following:

2012 2011

Reserve Fund 29,299,780.03 14,143,089.66 Educational & Training Fund (Local) 1,871,564.55 1,432,741.63 Optional Fund-Land & Building 7,201,546.79 5,133,251.41 Community Development Fund 2,222,902.51 1,678,083.54 Total Statutory Funds 40,595,793.88 22,387,166.24

Notes to F

inancial Statem

ent

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23. OTHER INCOME

This account consists of the following:

2012 2011

15,926,168.04 18,358,625.88 3,539,580.00 3,495,055.00

232,070.00 492,600.00 1,695,509.98 1,380,604.63

594,079.33 624,982.66 189,300.00 377,800.00 49,200.00 73,960.00 86,562.15 87,475.96 32,200.00 44,500.00 11,550.00 26,690.00 10,938.00 18,683.50 12,105.00 46,053.51 5,406.11 11,618.60 6,220.00 6,580.00 10,500.00 8,800.00 750.00 1,750.00 2,000.00 1,900.00 137.74 246.10 - 352.48 27,100.00 -

Total Other Income 22,431,376.35 25,058,278.32 Paycard

Advertising Fee

Donation-EDSD Stockholders

This Account consists of income not considered in the major classifications. This includes service, membershipand seminar fees, fines, penalties and surcharges, income from rent, dividends and other miscellaneous income.

Commission DonationXeroxID Fee

ReflexologyReturned Checks

Dividend

Membership ApplicationSeminar Fee

Others

Passbook

Processing Fee (Coop Health)

Encashment of Checks

Service FeesRent Income-Escuela de San DionisioMembership FeesFines, penalties and surcharges

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24. ADMINISTRATIVE COSTS

This account consists of the following:

2012 2011

Salaries and Wages 15,741,529.87 12,398,578.33 Employees' Benefits 5,394,123.68 7,149,624.42 Provision for probable losses on loans 6,342,000.00 10,842,000.00 Members' Benefit Expenses 4,868,469.03 3,036,022.79 Depreciation and amortization 3,641,801.41 3,399,574.10 Miscellaneous Expense 1,987,501.31 2,922,572.98 Power, Light and Water 2,317,347.71 2,045,890.96 Retirement Benefit Expense 1,820,084.48 1,379,920.33 General Support Services Expense 1,383,579.94 1,498,761.42 Office Supplies 1,818,711.73 1,850,857.40 SSS/ECC/PhilHealth/Pag-ibig Contributions 1,108,130.70 1,032,703.40 Training and Seminars - 401,007.20 General Assembly Meeting Expense 1,240,741.77 862,048.33 Professional Fees 1,367,646.00 513,333.36 Travel and Transportation 1,408,170.06 1,803,604.12 Representation Expense 330,610.73 349,162.81 Repairs and Maintenance 618,423.70 630,847.11 Social Services Expense 317,796.55 1,712,294.72 Meeting and Conferences 583,067.67 473,430.34 Insurance Expense 307,170.55 297,591.16 Communication Expense 384,621.06 350,584.01 Promotional Expense 17,350.00 198,300.00 Officers' Honorarium and Allowances 90,200.00 76,400.00 Affiliation Fees 58,101.00 51,282.00 Taxes and Licenses 634,876.51 21,638.04 Periodicals, magazines, subscriptions 11,096.00 11,076.00 Rental Expenses 9,000.00 3,933.31 Bank Charges 179,066.46 73,381.65 Total Administrative Costs 53,981,217.92 55,386,420.29

25. ALLOCATION AND DISTRIBUTION OF NET SURPLUS

c. Optional Fund - This is seven percent (7%) of the cooperative's net surplus.

b. Educational and Training Fund - ten percent (10%) for the education and training fund . Half of theamount transferred to the education and training fund annually under this subscription may be spent by thecooperative for education and training and other purposes: while the other half shall be credited to theCooperative education and training fund of the apex organization of which the cooperative is a member.

The Cooperative's constitution and by-laws explicitly provides that its net surplus at the end of the fiscal yearshall be distributed in the following manner:

a. Reserve Fund - ten percent (10%) shall be set aside for the reserve fund. The reserve fund shall be used forthe stability of the cooperative and to meet net losses in its operation.

d. Community Development Fund - This is computed at three percent ( 3%) of the cooperative's net surplus.

Notes to F

inancial Statem

ent

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26. RETIREMENT BENEFITS

27. RELATED PARTY TRANSACTIONS

The following are the Company's transactions with related parties:

a. Salaries of key management personnel

2012 2011

Chief Executive Officer 451,515.75 276,111.12

b. Escuela De San Dionisio

28. EVENTS AFTER BALANCE SHEET DATE

29. COMMITMENTS AND CONTINGENCIES

30. GOING CONCERN

31. RECLASSIFICATION

e. Interest on Share Capital and Patronage Refunds - After deduction of the statutory accounts, any remainingnet surplus shall be distributed to the cooperative's members in the form of interest not to exceed the normalrate of return on investments and patronage refunds. Interest on Share Capital shall be allocated inproportion to the individual members' average share monthly, while patronage refund is divided according totheir individual patronage; i.e., volume of loans availed.

These represents the investment as well as rental receivable from Escuela deSan Dionisio, a school owned bythe Cooperative.

There were no significant commitments and contingencies involving the Cooperative as of Balance Sheet date.

There were no events after balance sheet date that would require a disclosure or adjustment on the financialstatements.

There were no going concern issues that have to be disclosed involving the Cooperative as of Balance Sheetdate.

Certain accounts in 2011 were reclassified to conform with the 2012 presentation of financialstatements.

Parties are considered to be related if one party has the ability to control the other party or exercise significantinfluence over the other party in making financial and operating decisions. This includes: (a) individualsowning, directly or indirectly through one or more intermediaries, control or are controlled by, or undercommon control with, the Company; (b) associates; and (c) individuals owning, directly or indirectly, an interest in the voting power of the Company that gives them significant influence over the Company and close membersof the family of any such individual.

Republic Act (RA) No. 7641 (New Retirement Law) took effect on January 7, 1993. Under the new law, theCooperative is required to provide minimum retirement benefits to qualified retiring employees. Themanagement allotted 15% of the total Basic Pay of the Employees per month. The retirement programs ofemployees were managed and maintained on a separate account at Metrobank.

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Notes to F

inancial Statem

ent

32. SUPPLEMENTARY INFORMATION REQUIRED AS PER BIR RR 15-2010

A. OUTPUT VAT

VATABLE ZERO RATED EXEMPT TOTAL

TOTAL REVENUES - - 121,120,839.56 121,120,839.56 OUTPUT VAT RATE 12% 0% - TOTAL OUTPUT VAT - - - -

VATABLE ZERO RATED EXEMPT TOTAL

TOTAL REVENUES - - 114,181,824.10 114,181,824.10 OUTPUT VAT RATE 12% 0% - TOTAL OUTPUT VAT - - - -

B. INPUT VAT

C. TAXES AND LICENSES

Details of the Cooperative's Taxes and Licenses , either paid or accrued are as follows:

2012 2011

Mayors' Permit and Business Taxes 9,180.00 6,692.50 Withholding tax shouldered by SDCC 613,858.73 Certificate of Final Electrical Inspection - 6,742.00 Community Tax Certificate 500.00 500.00 Vehicle Registration/sticker 10,837.78 7,203.54 Annual Registration Fee 500.00 500.00 TOTAL TAXES AND LICENSES 634,876.51 21,638.04

D. WITHHOLDING TAXES

Details of the Company's withholding taxes , either paid or accrued, are as follows:

2012 2011

Withholding tax on Compensation and Benefits 2,120,855.05 1,240,696.08 Expanded Withholding Tax 102,400.00 109,079.63 TOTAL 2,223,255.05 1,349,775.71

The following information on taxes, duties and license fees paid or accrued during the taxable year ispresented for purposes of filing with the Bureau of Internal Revenue and is not a required part of the basicfinancial statements.

The Cooperative is exempt from Value Added Tax, by virtue of the implementing rules and regulations of RA9520, which states that Cooperatives that transact with members only shall be exempt from both income taxand value added tax.

Because the Cooperative is an entity which transacts with members only, Input Vat paid by the Cooperativeforms part of the cost of the goods or service purchased.

2011

2012

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33. SUPPLEMENTARY INFORMATION REQUIRED BY THE BIR UNDER RR 19-2011

Exempt Special Rate Regular Rate

Revenue 79,991,009.87 - - Total 79,991,009.87 - -

Exempt Special Rate Regular Rate

Interest Expense on Time Deposits 9,358,802.88 - - Interest Expense on Savings Deposits 2,801,806.43 - - Interest Expense on Koop-paluwagan 3,320.84 - - Interest Expense on Sinag Deposit 5,039,346.21 - - Interest Expense on Borrowings 2,087,811.94 - - Total 19,291,088.30 - -

Exempt Special Rate Regular Rate

15,926,168.04 - - 3,539,580.00 - -

232,070.00 - - 1,695,509.98 - -

594,079.33 - - 189,300.00 - - 49,200.00 - - 86,562.15 - - 32,200.00 - - 11,550.00 - - 10,938.00 - - 12,105.00 - -

5,406.11 - - 6,220.00 - -

10,500.00 - - 750.00 - -

2,000.00 - - 137.74 - -

27,100.00 - - 35,000.04 - -

368,779.88 - - 22,835,156.27 - -

Project SubsidyPrior Year Adjustment

Commission ReflexologyReturned ChecksAdvertising Fee

Encashment of ChecksPaycard

Membership ApplicationOthersProcessing Fee (Coop Health)ID FeeXeroxDonation

Net sales/Revenues/Receipts/Fees

Details of the net sales/revenues/receipts/fees earned during the year are as follows:

2012

Other Income

Membership FeesFines, penalties and surcharges

Cost of Service

Details of the cost of service incurred during the year are as follows:

2012

Dividend

Details of the other income earned during the year are as follows:

2012

Service FeesRent Income-Escuela de San Dionisio

Seminar Fee

Passbook

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Notes to F

inancial Statem

ent

Exempt Special Rate Regular Rate

Salaries and Wages 15,741,529.87 - - Employees' Benefits 5,394,123.68 - - Provision for probable losses on loans 6,342,000.00 - - Members' Benefit Expenses 4,868,469.03 - - Depreciation and amortization 3,641,801.41 - - Miscellaneous Expense 1,987,501.31 - - Power, Light and Water 2,317,347.71 - - Retirement Benefit Expense 1,820,084.48 - - General Support Services Expense 1,383,579.94 - - Office Supplies 1,818,711.73 - - SSS/ECC/PhilHealth/Pag-ibig Contributions 1,108,130.70 - - General Assembly Meeting Expense 1,240,741.77 - - Professional Fees 1,367,646.00 - - Travel and Transportation 1,408,170.06 - - Representation Expense 330,610.73 - - Repairs and Maintenance 618,423.70 - - Social Services Expense 317,796.55 - - Meeting and Conferences 583,067.67 - - Insurance Expense 307,170.55 - - Communication Expense 384,621.06 - - Promotional Expense 17,350.00 - - Officers' Honorarium and Allowances 90,200.00 - - Affiliation Fees 58,101.00 - - Taxes and Licenses 634,876.51 - - Periodicals, magazines, subscriptions 11,096.00 - - Rental Expenses 9,000.00 - - Bank Charges 179,066.46 - - Loss on Sale of Acquired Assets 6,783.08

53,988,001.00 - -

Itemized deductions

Details of the itemized deductions incurred during the year are as follows:

2012

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SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue, San Dionisio, Parañaque City

FINANCIAL RATIOSFor the years ended December 31, 2012 and 2011(Amounts in Philippine Pesos)

2012 % 2011 %

I. LIQUIDITY RATIO

1. Quick Ratio

Cash + Receivables 715,792,550.96 635,436,659.30 Current Liabilities 523,208,543.35 477,129,274.05

2. Current Ratio

Current Assets 732,383,531.10 647,468,520.27 Current Liabilities 523,208,543.35 477,129,274.05

3. Past Due Ratio

Total Amount Due from Receivables 165,035,115.95 Total Outstanding Receivables 643,780,538.01 624,562,130.76

II. PROFITABILITY

1. Return on Investment

Net Surplus After Allocation of Statutory Funds 20,682,953.79 18,931,048.64 Average Share Capital 240,130,935.77 216,619,833.34

2. Net Income Margin

Net Surplus Before Allocation of Statutory Funds 29,547,076.84 27,044,355.20 Total Gross Revenue 102,422,386.22 96,196,377.15

3. Overall Profitability

Net Surplus After Allocation of Statutory Funds 20,682,953.79 18,931,048.64 Total Gross Revenue 102,422,386.22 96,196,377.15

III. SOLVENCY RATIO

1. Debt to Total Assets Ratio

Total Liabilities 582,263,585.60 512,519,983.94 Total Assets 870,723,558.95 768,983,333.69

66.87%

136.81%

139.98%

23.81%

8.61%

28.85%

20.19%

135.70%

133.18%

26.42%

66.65%

8.74%

28.11%

19.68%

153,281, 807.00

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Escuela de S

an Dionisio

STATEMENT OF MANAGEMENT’S RESPONSIBILITY FOR THE FINANCIAL STATEMENTS

The management of ESCUELA DE SAN DIONISIO, INC. is responsible for all information and representations contained in the financial statements for the years ended May 31, 2012 and 2011 including the additional components attached therein. The financial statements have been prepared in conformity with Philippine Financial Reporting Standards for Small and Medium –sized Entities (PFRS for SMEs) and reflect amounts that are based on the best estimates and informed judgment of management with an appropriate consideration to materiality.

In this regard, management maintains a system of accounting and reporting which provides for the necessary internal controls to ensure that transactions are properly authorized and recorded, assets are safeguarded against unauthorized use or disposition and liabilities are recognized.

The Board of Directors reviews the financial statements before such statements are approved and submitted to the stockholders.

Ma. Elma L. Ilagan-Ame, the independent auditor and appointed by the Board of Directors has examined the financial statements of the company in accordance with Philippine Standards on Auditing and has expressed her opinion on the fairness of presentation upon completion of such examination, in its report to the stockholders.

CARMELITA C. SABINOChairman

EVELYN ROLDAN LUCHINGPresident and CEO

ZENAIDA A. ALCANTARATreasurer

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STATEMENT OF MANAGEMENT’S RESPONSIBILITY FOR THE ANNUAL INCOME TAX RETURN

The Management of ESCUELA DE SAN DIONISIO, INC. is responsible for all information and representations contained in the Annual Income Tax Return for the year ended May 31, 2012. Management is likewise responsible for all information and representations contained in the financial statements accompanying the (Annual Income Tax Return or Annual Information Return) covering the same reporting period. Furthermore, the Management is responsible for all information and representations contained in all the other tax returns filed for the reporting period, including, but not limited, to the value added tax and/or percentage tax returns, withholding tax returns, documentary stamp tax returns, and any and all other tax returns.

In this regard, the Management affirms that the attached audited financial statements for the year ended May 31, 2012 and the accompanying Annual Income Tax Return are in accordance with the books and records of ESCUELA DE SAN DIONISIO, INC. complete and correct in all material respects. Management likewise affirms that:

a. the Annual Income Tax Return has been prepared in accordance with the provisions of the National Internal Revenue Code, as amended, and pertinent tax regulations and other issuances of the Department of Finance and the Bureau of Internal Revenue;

b. any disparity of figures in the submitted reports arising from the preparation of financial statements pursuant to financial accounting standards and the preparation of the income tax return pursuant to tax accounting rules has been reported as reconciling items and maintained in the company’s books and records in accordance with the requirements of Revenue Regulations No. 8-2007 and other relevant issuances;

c. the ESCUELA DE SAN DIONISIO, INC. has filed all applicable tax returns, reports and statements required to be filed under Philippine tax laws for the reporting period, and all taxes and other impositions shown thereon to be due and payable have been paid for the reporting period, except those contested in good faith.

CARMELITA C. SABINOChairman

EVELYN ROLDAN LUCHINGPresident and CEO

ZENAIDA A. ALCANTARATreasurer

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REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTSTO ACCOMPANY INCOME TAX RETURN

TO THE BOARD OF DIRECTORSESCUELA DE SAN DIONISIO, INC.0530 Quirino Avenue, San Dionisio, Parañaque City

I have audited the financial statements of ESCUELA DE SAN DIONISIO, INC. for the year ended May 31, 2012, on which I have rendered the attached report dated August 30, 2012.

In compliance with Revenue Regulations V-20, we are stating the following:

1. The taxes paid and accrued by the above Company for the year ended May 31, 2012 are shown in the Schedule of Taxes and Licenses.

2. I am not related by consanguinity or affinity to the president, manager or principal stockholders of the Company.

MA. ELMA L. ILAGAN-AMECPA No. 79047BOA Reg. No. 0195 ( January 1, 2011 to December 31, 2013)TIN No. 134-550-503-000PTR No. CAV1754517A , January 6, 2012, Trece Martires City, CaviteSEC Accreditation No. 0448-AR-1 ( Category C) ( January 6, 2010 to January 5, 2013)BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 7, 2014)CDA Accreditation No. 0001 ( April 20,2010 to April 20, 2013)

30 August 2012

M. I. AME ACCOUNTING OFFICE

Report on the Bureau of Internal Revenue Requirement My audit was conducted for the purpose of forming an opinion on the basic financial statements taken as a whole.

The supplementary information on taxes and licenses in the related notes the financial statements is presented for

the purposes of filing with Bureau of Internal Revenue and is not a required part of the basic financial statements.

Such information is the responsibility of management and has been subjected to the auditing procedures applied

in my audit of the basic financial statements. In my opinion, the information is fairly stated in all material respects

in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AME

CPA No. 79047

BOA Reg. No. 0195 (January 1, 2011 to December 31, 2013)

TIN No. 134-550-503-000

PTR No. CAV1754517A, January 6, 2012, Trece Martires City, Cavite

SEC Accreditation No. 0448-AR-1 (Category C) (January 6, 2010 to January 5, 2013)

BIR Accreditation No. 09-002142-1-2008

CDA Accreditation No. 0001 (April 20, 2010 to April 20, 2013)

12 February 2012

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SUPPLEMENTAL STATEMENT OF INDEPENDENT AUDITOR

TO THE BOARD OF DIRECTORSESCUELA DE SAN DIONISIO, INC.0530 Quirino Avenue, San Dionisio, Parañaque City

I have audited the financial statements of ESCUELA DE SAN DIONISIO, INC. for the year ended May 31, 2012 on which I have rendered the attached report dated August 30, 2012.

In compliance with SRC Rule 68, I am stating that the Company has one (1) stockholder owning 100 or more shares as of May 31, 2012.

MA. ELMA L. ILAGAN-AMECPA No. 79047BOA Reg. No. 0195 ( January 1, 2011 to December 31, 2013)TIN No. 134-550-503-000PTR No. CAV1754517A , January 6, 2012, Trece Martires City, CaviteSEC Accreditation No. 0448-AR-1 ( Category C) ( January 6, 2010 to January 5, 2013)BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 7, 2014)CDA Accreditation No. 0001 ( April 20,2010 to April 20, 2013)

M. I. AME ACCOUNTING OFFICE

Report on the Bureau of Internal Revenue Requirement My audit was conducted for the purpose of forming an opinion on the basic financial statements taken as a whole.

The supplementary information on taxes and licenses in the related notes the financial statements is presented for

the purposes of filing with Bureau of Internal Revenue and is not a required part of the basic financial statements.

Such information is the responsibility of management and has been subjected to the auditing procedures applied

in my audit of the basic financial statements. In my opinion, the information is fairly stated in all material respects

in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AME

CPA No. 79047

BOA Reg. No. 0195 (January 1, 2011 to December 31, 2013)

TIN No. 134-550-503-000

PTR No. CAV1754517A, January 6, 2012, Trece Martires City, Cavite

SEC Accreditation No. 0448-AR-1 (Category C) (January 6, 2010 to January 5, 2013)

BIR Accreditation No. 09-002142-1-2008

CDA Accreditation No. 0001 (April 20, 2010 to April 20, 2013)

12 February 2012

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INDEPENDENT AUDITOR’S REPORT

TO THE STOCKHOLDERS AND BOARD OF DIRECTORSESCUELA DE SAN DIONISIO, INC.0530 Quirino Avenue, San Dionisio, Parañaque City

I have audited the accompanying financial statements of ESCUELA DE SAN DIONISIO, INC. which comprise the statement of financial position as at May 31, 2012, and the statement of comprehensive income, statement of changes in equity and statement of cash flows for the year then ended, and a summary of significant accounting policies and other explanatory notes. The May 31, 2011 financial statements were audited by a different certified public accountant who rendered an unqualified opinion.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and fair presentation of these financial statements in accordance with Philippine Financial Reporting Standards for Small and Medium-Sized Entities ( PFRS for SMEs) , and for such internal control as management determines is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

Auditors’ Responsibility

My responsibility is to express an opinion on these financial statements based on our audits. I conducted my audits in accordance with Philippine Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform the audit to obtain reasonable assurance about whether the financial statements are free from material misstatement.

An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgment, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the financial statements.

I believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for my audit opinion.

Opinion

In my opinion, the financial statements present fairly, in all material respects, the financial position of ESCUELA DE SAN DIONISIO, INC. as at May 31, 2012, and of its financial performance and its cash flows for the year then ended in accordance with Philippine Financial Reporting Standards for Small and Medium-Sized Entities( PFRS for SMEs).

M. I. AME ACCOUNTING OFFICE

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My audits were conducted for the purpose of forming an opinion on the basic financial statements taken as a whole. The supplementary information on taxes and licenses, taxable revenue and deductible expenses in the related notes to the financial statements are presented for purposes of filing with the Bureau of Internal Revenue. Furthermore, the supplementary information on the attached schedule showing the reconciliation of the retained earnings available for dividend declaration as of May 31, 2012, along with the other supplementary information required by the Securities and Exchange Commission shown in schedules presented are presented for purposes of additional analysis. Those supplementary information are the responsibility of management and have been subjected to the auditing procedures applied in our audit of the basic financial statements. In our opinion, those supplementary information are fairly stated in all material respects in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AMECPA No. 79047BOA Reg. No. 0195 ( January 1, 2011 to December 31, 2013)TIN No. 134-550-503-000PTR No. CAV1754517A , January 6, 2012, Trece Martires City, CaviteSEC Accreditation No. 0448-AR-1 ( Category C) ( January 6, 2010 to January 5, 2013)BIR Accreditation No. 09-002142-1-2011 (December 8, 2011 to December 7, 2014)CDA Accreditation No. 0001 ( April 20,2010 to April 20, 2013)

30 August 2012

Report on the Bureau of Internal Revenue Requirement My audit was conducted for the purpose of forming an opinion on the basic financial statements taken as a whole.

The supplementary information on taxes and licenses in the related notes the financial statements is presented for

the purposes of filing with Bureau of Internal Revenue and is not a required part of the basic financial statements.

Such information is the responsibility of management and has been subjected to the auditing procedures applied

in my audit of the basic financial statements. In my opinion, the information is fairly stated in all material respects

in relation to the basic financial statements taken as a whole.

MA. ELMA L. ILAGAN-AME

CPA No. 79047

BOA Reg. No. 0195 (January 1, 2011 to December 31, 2013)

TIN No. 134-550-503-000

PTR No. CAV1754517A, January 6, 2012, Trece Martires City, Cavite

SEC Accreditation No. 0448-AR-1 (Category C) (January 6, 2010 to January 5, 2013)

BIR Accreditation No. 09-002142-1-2008

CDA Accreditation No. 0001 (April 20, 2010 to April 20, 2013)

12 February 2012

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ESCUELA DE SAN DIONISIO, INC.Quirino Avenue, San Dionisio, Parañaque  City

STATEMENTS OF FINANCIAL POSITIONAs of May 31, 2012(With comparative figures for 2011)(Amounts in Philippine Pesos)

Notes 2012 2011(as restated)

CURRENT ASSETSCash 2,5 18,511,138.36 16,634,282.03 Trade and other receivables 2,6 1,903,819.50 1,954,636.66 Inventories and supplies 2,7 277,962.95 390,227.41 Prepayments 2,8 176,405.39 306,826.39 Total Current Assets 20,869,326.20 19,285,972.49

NON-CURRENT ASSETSProperty and equipment, net 2,9 1,857,884.58 2,327,863.30 Other Non-Current assets, net 2,10 550,183.72 626,882.87 Total Non-Current Assets 2,408,068.30 2,954,746.17

TOTAL ASSETS 23,277,394.50 22,240,718.66

LIABILITIESCURRENT LIABILITIES

Trade and other payables 2,11 16,048,988.67 17,027,003.27 Dividends Payable 2, 12 594,116.45 -

Tax Liabilities 2,13 102,608.05 107,709.32 Total Current Liabilities 16,745,713.17 17,134,712.59

TOTAL LIABILITIES 16,745,713.17 17,134,712.59

SHARE CAPITAL 2,14 2,550,200.00 2,550,100.00 RETAINED EARNINGS- FREE 2,15 2,481,481.33 2,555,906.07 RETAINED EARNINGS- APPROPRIATED 2,15 1,500,000.00 - TOTAL EQUITY 6,531,681.33 5,106,006.07

TOTAL LIABILITIES AND EQUITY 23,277,394.50 22,240,718.66

See Accompanying Notes to Financial Statements.

ASSETS

LIABILITIES AND EQUITY

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ESCUELA DE SAN DIONISIO, INC.Quirino Avenue, San Dionisio, Parañaque  City

STATEMENTS OF COMPREHENSIVE INCOMEFor the year ended May 31, 2012(With comparative figures for 2011)(Amounts in Philippine Pesos)

Notes 2012 2011(as restated)

REVENUES 2,16 15,887,703.52 15,673,481.49

COST OF SERVICES 2,17 18,962,435.61 18,950,042.04

GROSS PROFIT (3,074,732.09) (3,276,560.55)

OTHER INCOME (EXPENSES) 2,18 8,216,724.80 7,298,179.74

TOTAL INCOME 5,141,992.71 4,021,619.19

ADMINISTRATIVE EXPENSES 2,19 2,055,981.27 1,872,084.94

NET INCOME BEFORE TAX 3,086,011.44 2,149,534.25

INCOME TAX EXPENSE 2, 13.1,13.3 277,080.77 169,146.09

NET INCOME 2,808,930.67 1,980,388.16

See Accompanying Notes to Financial Statements.

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ESCUELA DE SAN DIONISIO, INC.Quirino Avenue, San Dionisio, Parañaque  City

STATEMENT OF CHANGES IN EQUITYFor the year ended May 31, 2012 ( With comparative figures for 2011)(Amounts in Philippine Pesos)

Notes 2012 2011( as restated)

SHARE CAPITAL 2,14

Authorized capital- Php 3,000,000,00 at Php 100.00divided into 30,000 sharesBalance at beginning of year 2,550,100.00 2,550,100.00 Add: Receipts from Payment of Subscription 100.00 - Total 2,550,200.00 2,550,100.00 Adjustments - - Balance at end of year 2,550,200.00 2,550,100.00

RETAINED EARNINGS, FREE 2,15Balance at beginning of year 2,555,906.07 589,937.31 Add: Net Income 2,808,930.67 1,980,388.16 Less: Dividends 15.1 (1,218,390.79) -

BIR Payments Payment of tax deficiency 15.2 (120,752.29) - Adjustments of prior period errors (44,212.33) (14,419.40) Appropriations 15.3 (1,500,000.00) Balance at end of year 2,481,481.33 2,555,906.07

RETAINED EARNINGS, APPROPRIATED 2,15, 15.3Balance at beginning of year - - Add: Appropriations for the year 1,500,000.00 - Balance at end of year 1,500,000.00 -

TOTAL EQUITY 6,531,681.33 5,106,006.07

See Accompanying Notes to Financial Statements.

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ESCUELA DE SAN DIONISIO, INC.Quirino Avenue, San Dionisio, Parañaque City

STATEMENT OF CASH FLOWSFor the year ended May 31, 2012( With comparative figures for 2011)(Amounts in Philippine Pesos)

Notes 2012 2011( as restated)

CASH FLOWS FROM OPERATING ACTIVITIESNet Income 2,808,930.67 1,980,388.16 Adjustments to reconcile net income to netcash provided by operating activities Provision for probable losses 200,222.65 167,681.31 Depreciation and amortization 1,113,695.63 1,419,802.49

Operating income before working capital changes 4,122,848.95 3,567,871.96 Change in assets and liabilitiesDecrease (Increase) in: Other Receivables (149,405.49) 79,574.95 Inventories 112,264.46 (130,639.01) Prepayments 130,421.00 (142,977.93) Increase (Decrease) in: Trade and other payables (978,014.60) 914,655.57 Dividends payable 594,116.45 - Income tax payable (5,101.27) (63,254.33)

Net cash provided by (used in) operating activities 3,827,129.50 4,225,231.21

CASH FLOWS FROM INVESTING ACTIVITIESAcquisition of Property and Equipment (357,597.76) (1,127,686.19) Non-Current Assets (209,420.00) (185,427.56)

Net cash provided by (used in) investing activities (567,017.76) (1,313,113.75)

CASH FLOWS FROM FINANCING ACTIVITIESIncrease in Share Capital 100.00 - Payments of Tax deficiency for Sy 2008-2009 (120,752.29) - Dividends declared (1,218,390.79) - Correction of prior period errors (44,212.33) (14,419.40)

Net cash provided by (used in) financing activities (1,383,255.41) (14,419.40)

NET INCREASE (DECREASE) IN CASH 1,876,856.33 2,897,698.06

ADD: CASH , JUNE 1 16,634,282.03 13,736,583.97

CASH, MAY 31 18,511,138.36 16,634,282.03

See Accompanying Notes to Financial Statements.

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ESCUELA DE SAN DIONISIO, INC.NOTES TO FINANCIAL STATEMENTSAs of May 31, 2012

1. CORPORATE INFORMATION The ESCUELA DE SAN DIONISIO, INC. (EDSD) was organized on March 1, 2004 and was issued a Certificate of Incorporation on April 23, 2004 by the Securities and Exchange Commission (SEC) with authority to operate from the Department of Education. This school, while registered with SEC, is wholly owned and operated by the San Dionisio Credit Cooperative (SDCC), a multi-purpose cooperative duly registered with the Cooperative Development Authority. The EDSD is engaged in providing quality education for Nursery, Kindergarten, Preparatory and High School. It lives by the motto: “Excellence and equity in education.. in the spirit of cooperativism.”, and it operates by the cooperate value of service before profit.” It seeks to make quality education affordable to ordinary people of ordinary means. This school is operated by SDCC in the sense that the members of its Board of Directors are elected by the SDCC pursuant to the EDSD By-Laws and the Corporation Code. For this reason, this school is people oriented and its and its practices the cooperative principles to the extent possible especially in the quality education services and very, very low rates it charges to its students. Hence, any comparison of the EDSD’s tuition fees and other school charges with any neighboring private school will readily show that EDSD rates are much lower despite the fact that all its room are air-conditioned and its education services uses state-of-the-art technologies.

The EDSD’s registered office address, which is also its principal place of business, is at Quirino Avenue, San Dionisio, Paranaque City. The financial statements of the company for the year ended May 31, 2012 were authorized for issue by the Company’s Board of Directors on August 8, 2012.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The principal accounting policies applied in the preparation of these financial statements are set out

below. These policies have been consistently applied to all the years presented, unless otherwise stated. 2.1 Basis of Preparation The financial statements of the Company have been prepared on a fair value measurement and are

presented in Philippine Pesos, which is the Company’s functional and presentation currency. All values represent absolute amounts except when otherwise indicated.

The Company applied Section 35, “Transition to the PFRS for SMEs” in preparing the financial statements with January 1, 2009 as the date of transition and January 1, 2010, as the date of conversion.

The accompanying financial statements have been prepared on a going concern basis, which contemplate the realization of assets and settlement of liabilities in the normal course of business.

2.2 Statement of Compliance

The accompanying financial statements have been prepared in accordance with Philippine Financial Reporting Standards for Small and Medium-Sized Entities (PFRS for SMEs).

2.3 Accounting Policies Adopted The following accounting standards that have been published and issued by the International Accounting

Standards Board (IASB) and adopted by the FRSC which became effective for accounting periods beginning on or after January 1, 2009 were adopted by the Company:

Section 1 - Small and Medium – Sized EntitiesSection 2 - Concepts and Pervasive PrinciplesSection 3 - Financial Statement PresentationsSection 4 - Statement of Financial PositionSection 5 - Statement of Comprehensive Income and Income Statement

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Section 6 - Statement of Changes in Equity and Statement of Income and Retained EarningsSection 7 - Statement of Cash FlowsSection 8 - Notes to Financial StatementsSection 10 - Accounting Policies, Estimates and ErrorsSection 11 - Basic Financial InstrumentsSection 17 - Property and EquipmentSection 21 - Provisions and ContingenciesSection 22 - Liabilities and EquitySection 23 - RevenueSection 27 - Impairment of AssetsSection 28 - Employee BenefitsSection 29 - Income TaxSection 32 - Events after the End of the Reporting PeriodSection 33 - Related Party DisclosuresSection 35 - Transition to the PFRS for SME’s

The effects of these new standard, amendments and interpretations on the Company’s accounting policies and on the amounts disclosed in the financial statements are summarized as follows:

Section 1, “Small and Medium-Sized Entities” PFRS for SMEs is intended for Non Publicly Accountable Entities that publish general purpose financial statements for external users

Section 2, “Concepts and Pervasive Principles” describes the objective of financial statements of small and medium-sized entities (SMEs) and the qualities that make the information in the financial statements of SMEs useful. It also sets out the concepts and basic principles underlying the financial statements of SMEs.

Section 3, “Financial Statement Presentation” provides a framework within which an entity assesses how to present fairly the effects of transactions and other events. It requires that an entity shall make an explicit and unreserved statement of compliance with PFRS for SMEs in the notes, complete sets of financial statements must be presented at least annually and at least one year comparative statements and note data, and items should be consistently presented and classified from one period to the next.

Section 4, “Statement of Financial Position”, provides specific requirements on the presentation, classification and related disclosures of entity’s assets, liabilities and equity as of a specific date.

Section 5, “Statement of Comprehensive Income and Income Statement”, provides specific requirements on the presentation, classification and related disclosures of entity’s total comprehensive income, its financial performance for the period in one or two financial statements.

Section 6, “Statement of Changes in Equity and Statement of Income and Retained Earnings” sets out requirements for presenting the changes in an entity’s equity for a period, either in a statement of changes in equity or, if specified conditions are met and an entity chooses, in a statement of income and retained earnings.

Section 7, “Statement of Cash Flows” requires the provision of information about the historical changes in cash and cash equivalents of an entity by means of a cash flow statement which classifies cash flows during the period from operating, investing, and financing activities.

Section 8, “Notes to Financial Statements” sets out the principles underlying information that is to be presented in the notes to the financial statements and how to present it. Notes contain information in addition to that presented in the statement of financial position, statement of comprehensive income, income statement (if presented), combined statement of income and retained earnings (if presented), statement of changes in equity, and statement of cash flows. Notes provide narrative descriptions or desegregations of items presented in those statements and information about items that do not qualify for recognition in those statements. In addition to the requirements of this section, nearly every other section of this PFRS requires disclosures that are normally presented in the notes.

Section 10, “Accounting Policies, Estimates, and Errors,” eliminates the concept of fundamental error and the allowed alternative to retrospective application of voluntary changes in accounting policies and retrospective restatement to correct prior period errors. The section defines material omissions and misstatements and describes how to apply the concept of materiality when applying accounting policies and correcting errors.

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Section 11, “Basic Financial Instruments” applies to basic financial instruments and is relevant to all entities. An entity shall recognize a financial asset or a financial liability only when the entity becomes a party to the contractual provisions of the instrument. When a financial asset or financial liability is recognized initially, an entity shall measure it at the transaction price unless the arrangement constitutes, in effect, a financing transaction.

Section 17, “Property and Equipment” prescribes the accounting treatment and related disclosures for property and equipment, investment property, and non-current assets held for sale whose fair value cannot be measured reliably without undue cost and effort. It provides guidance on initial and subsequent recognition as well as measurement after recognition. It requires depreciation for each significant part of an item of property, plant and equipment. The standard also provides guidance on the determination of the carrying amount of the assets, the residual value, depreciation period and derecognition principles to be observed.

Section 21, “Provisions and Contingencies” ensures that appropriate recognition criteria and measurement basis are applied to provisions, contingent liabilities, and contingent assets and that sufficient information is disclosed in the notes to financial statements to enable users to understand their nature, timing and amount.

Section 22, “Liabilities and Equity” establishes principles for classifying financial instruments as either liabilities or equity and addresses accounting for equity instruments issued to individuals or other parties acting in their capacity as investors in equity instruments (i.e. in their capacity as owners).

Section 23, “Revenue” provides additional guidelines as to the timely recognition of revenue, which is measured at the fair value of the consideration received or receivable.

Section 27, “Impairment of Assets” prescribes the procedures that an entity applies to ensure that its assets are carried at no more than their recoverable amount if its carrying amount exceeds the amount to be recovered through use or sale of the asset. If this is the case, the asset is described to be impaired and the standard requires the entity to recognize an impairment loss. The section also specifies when an entity should reverse an impairment loss previously recognized.

Section 28, “Employee Benefits” applies to all employee benefits offered by an employer to employees and their dependents and beneficiaries. This section applies to employee benefits under: (i) formal plans and agreements between an enterprise and its employees, (ii) national, local, industry or multi-employer plans; and informal practices giving rise to a constructive obligation. This section also identifies the following categories of employee benefits such as short-term employee benefits, post employment benefits, other long-term employee benefits and termination benefits.

Section 29, “Income tax” covers accounting for income tax. It requires an entity to recognize the current and future tax consequences of transactions and other events that have been recognized in the financial statements.

Section 32, “Events after the End of the Reporting Period” defines events after the end of the reporting period and sets out principles for recognizing, measuring and disclosing such events.

Section 33, “Related Party Disclosures” provides additional guidance and clarity in the scope, definitions, and the disclosures for related parties. It requires disclosure of the compensation of key management personnel.

Section 35, “Transition to the PFRS for SMEs”, applies to a first-time adopter of the PFRS for SMEs, regardless of whether its previous accounting framework was full PFRSs or another set of generally accepted accounting principles (GAAP) such as its national accounting standards, or another framework such as the local income tax basis.

The adoption of the above standards, amendments and interpretations, upon which the Company has opted to adopt, did not have any significant effect on the Company’s financial statements. These, however, require additional disclosures on the Company’s financial statements.

In 2012, it is the opinion of Management that assets and liabilities were recognized at fair value, hence, these were considered deemed cost.

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The significant accounting policies and practices of the Company are set forth to facilitate the understanding of the financial statements.

Financial Assets

Financial assets include cash, trade & other receivables, and financial instruments held at amortized cost.

Cash

Cash are stated at face value. Cash includes cash in bank and petty cash fund. Cash in bank in savings accounts earn interest at the respective bank deposit rates and these are deposits held at call with banks. Petty cash funds are intended as working funds for a small amount of expenses such as periodicals, reproduction cost, transportation, etc. Cash equivalents, if any, may consist of short-term, highly liquid debt instruments that are readily convertible to known amounts of cash with original maturities of three months or less and that are subject to an insignificant risk of change in value.

Trade and other receivables

Trade receivables are recognized initially at its transaction price. They are subsequently measured at amortized cost less provision for impairment. A provision for impairment of account receivables is established when there is objective evidence that the company will not be able to collect all amounts due according to the original terms of the receivables.

Other receivables are stated at amortized cost less provision for impairment. Impairment is considered when there is objective evidence that the Company will not be able to collect the debts.

Inventories and Unused Supplies

Inventories are assets with are held for sale in the ordinary course of business in the process of production for sale or in form of materials or supplies to be consumed in the production process or in rendering of services. Inventories are valued at lower of cost and net realizable value. Unused supplies are carried at cost.

Prepayments

Prepayments are carried at its transaction cost.

Property and Equipment

Property and equipment are stated at cost, excluding the costs of day-to-day servicing, less accumulated depreciation and amortization and any impairment in value.

The initial cost of property and equipment comprises its purchase price and any directly attributable costs of bringing the asset to its working condition and location for its intended use. Expenditures incurred after the property and equipment have been put into operations, such as repairs and maintenance and overhaul costs, are normally charged to operations in the period the costs are incurred. In situations where it can be clearly demonstrated that the expenditures have resulted in an increase in the future economic benefits expected to be obtained from the use of an item of property, and equipment beyond its originally assessed standard of performance, the expenditures are capitalized as additional costs of property and equipment. Cost also includes any asset retirement obligation and interest on borrowed funds used. When assets are sold or retired, their costs and accumulated depreciation, amortization and impairment losses, if any, are eliminated from the accounts and any gain or loss resulting from their disposal is included in the statement of operations of such period.Depreciation and amortization are calculated on a straight-line basis over the useful lives of the assets.

The useful life of each of the property and equipment is estimated based on the period over which the asset is expected to be available for use. Such estimation is based on a collective assessment of industry practice and experience with similar assets.

The assets’ residual values, useful lives and depreciation and amortization method are reviewed, and adjusted if appropriate, if there is an indication that there has been a significant change since the last annual reporting date.

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An item of property and equipment is derecognized upon disposal or when no future economic benefits are expected to arise from the continued use of the asset. Any gain or loss arising on derecognition of the asset (calculated as the difference between the net disposal proceeds and the carrying amount of the item) is included in the statement of operations in the year the item is derecognized.

Other Non-Current Assets

Other Non-current assets include computerization cost and books. Books and computerization costs are measured at cost less accumulated depreciation and amortization and any impairment in value.

Financial Liabilities

Financial liabilities include accounts payable.

Financial liabilities are recognized when the Company becomes a party to the contractual provisions of the instrument.

Trade and Other payables

Accounts payables are liabilities to pay for goods or services that have been received or supplied and have been invoiced or formally agreed with the supplier. Accounts payables are not interest bearing and are stated at their nominal value.

Accounts payables are measured initially at their nominal values and subsequently recognized at amortized costs less settlement payments.

Dividends Payable

The dividends payable represents unpaid dividends which were declared on April 20, 2012 amounting to Php 594,116.45 as of May 31, 2012. They are recorded at their carrying amounts as of Balance sheet date.

Other Payables

Represents statutory obligations such as SSS, Philhealth and HDMF payabe. They also include various advances and accruals. They are measured at their transaction costs.

Income Tax Payable

The tax currently payable for the year is Special Tax Rate. Taxable profit differs from net profit as reported in the statements of operations, because it excludes items of income or expense that are taxable or deductible in other years and it further excludes items that are never taxable or deductible. The reconciliation of the Company’s liability, if any, for current tax is calculated using 10% tax rate.

Impairment of Financial Assets

The Company assesses at each balance sheet date whether there is objective evidence that a financial asset or group of financial assets is impaired. A financial asset or a group of financial assets is deemed to be impaired if, and only if, there is objective evidence of impairment as a result of one or more events that has occurred after the initial recognition of the asset (an incurred ‘loss event’) and that loss event (or events) has an impact on the estimated future cash flows of the financial asset or the group of financial assets that can be reliably estimated. Evidence of impairment may include indications that the borrower or a group of borrowers is experiencing significant financial difficulty, default or delinquency in interest or principal payments, the probability that they will enter bankruptcy or other financial reorganization and where observable data indicate that there is measurable decrease in the estimated future cash flows, such as changes in arrears or economic conditions that correlate with defaults.

Derecognition of Financial Assets and Financial Liabilities

Financial assets

A financial asset (or, where applicable a part of financial asset or part of a group of similar financial assets) is derecognized when:

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• the rights to receive cash flows from the asset have expired;• the Company retains the right to receive cash flows from the asset, but has assumed an obligation to

pay them in full without material delay to a third party under a pass-through arrangement; or• the Company has transferred its rights to receive cash flows from the asset and either (a) has

transferred substantially all the risks and rewards of the asset, or (b) has neither transferred nor retained substantially all the risks and rewards of the asset, but has transferred control of the asset.

Financial Liabilities

A financial liability is derecognized when the obligation under the liability is discharged, cancelled or expired. Where an existing financial liability is replaced by another from the same lender on substantially different terms, or the terms of an existing liability are substantially modified, such an exchange or modification is treated as a derecognition of the original liability and the recognition of a new liability, and the difference in the respective carrying amounts is recognized in the statement of income.

Offsetting Financial Instruments

Financial assets and financial liabilities are offset and the net amount reported in the balance sheet if, and only if, there is a currently enforceable legal right to offset the recognized amounts and there is an intention to settle on a net basis, or to realize the asset and settle the liability simultaneously. This is not generally the case with master netting agreements, and the related assets and liabilities are presented gross in the balance sheet.

Impairment of Non-financial Assets

The Company does not conduct an annual review, instead review is made only if there is an indication that there has been a significant change since the last annual reporting date. An asset’s recoverable amount is calculated as the higher of the asset’s or cash-generating unit’s fair value less costs to sell and its value in use or its net selling price and is determined for an individual asset, unless the asset does not generate cash inflows that are largely independent of those assets or groups of assets. Where the carrying amount of an asset exceeds it recoverable amount, the asset is considered impaired and is written down to its recoverable amount. In assessing value in use, the estimated future cash flows are discounted to their present value using a pre-tax discount rate that reflects current market assessment of the time value of money and the risks specific to the asset. Impairment losses are recognized in the statements of income in those expense categories consistent with the function of the impaired asset.

An assessment is made when there has been a significant change since the last annual reporting date as to whether there is an indication that previously recognized impairment losses may no longer exist or may have decreased. If such indication exists, the recoverable amount is estimated. A previously recognized impairment loss is reversed only if there has been a change in the estimates used to determine the asset’s recoverable amount since the last impairment loss was recognized. If that is the case, the carrying amount of the asset is increased to its recoverable amount. That increased amount cannot exceed the carrying amount that would have been determined, net of depreciation and amortization, had no impairment loss been recognized for the asset in prior years. Such reversal is recognized in the statements of income unless the asset is carried at revalued amount, in which case the reversal is treated as revaluation increase. After such a reversal, the depreciation charge is adjusted in future periods to allocate the asset’s revised carrying amount, less any residual value, on a systematic basis over its remaining useful life.

Share Capital

Share capital is determined using the nominal value of shares that have been issued and fully paid.

The costs of acquiring Company’s own shares are shown as a deduction from equity attributable to the Company’s equity holders until the shares are cancelled or reissued. When such shares are subsequently sold or reissued, any consideration received, net of directly attributable incremental transaction costs and the related income tax effects, is included in equity attributable to the Company’s equity holders.

Retained Earnings

Retained earnings include all current and prior period results as disclosed in the statement of comprehensive income.

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Revenue and cost recognition

Revenues

Revenue is recognized when it is probable that the economic benefits associated with the transaction will flow to the Company and the amount of the revenue can be measured reliably.

(a) Rendering of Services

Revenue from services rendered is recognized at the time it is earned. The liability method of recognition is followed for all income from school operations.

(b) Finance Revenues

Finance revenues comprise interest income on deposits.

Sale

Income from sales primarily consists of sales of books uniforms and supplies, are recognized when there is substantial proof of transfer of ownership. It is measured at the fair value of the consideration received or receivable.

(d) Direct Costs and Administrative Expenses

Expenses and costs directly attributable to the performance of services to the clients are recognized in the statement of activities when incurred and can be measured reliably. The company follows the matching principle on when to recognize revenue, costs and expenses.

Employee Benefits

Short-term Benefits

The Company recognizes a liability net of amounts already paid and an expense for services rendered by employees during the accounting period. Short-term benefits given by the Company to its employees include compensation, social security contributions, short-term compensated absences, bonuses and other non-monetary benefits.

Termination Benefits

Termination benefits are payable when employment is terminated by the Company before the normal retirement date, or whenever an employee accepts voluntary redundancy in exchange for these benefits. The Company recognizes termination benefits when it is demonstrably committed to either: (a) terminating the employment of current employees according to a detailed formal plan without possibility of withdrawal; or (b) providing termination benefits as a result of an offer made to encourage voluntary redundancy. Benefits falling due more than 12 months after the balance sheet date are discounted to present value.

Compensated Absences

Compensated absences are recognized for the number of paid leave days (including holiday entitlement) remaining at the balance sheet date. They are included in Trade and Other Payables account in the balance sheet at the undiscounted amount that the Company expects to pay as a result of the unused entitlement.

Retirement Benefit Obligations

Pension benefits are provided to employees through a defined benefit plan, as well as several defined contribution plans. A defined benefit plan is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, usually dependent on one or more factors such as age, years of service and salary. The legal obligation for any benefits from this kind of pension plan remains with the Company, even if plan assets for funding the defined benefit plan have been acquired. Plan assets may include assets specifically designated to a long-term benefit fund, as well as qualifying insurance policies.

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The Company’s defined benefit pension plan covers all regular full-time employees. The pension plan is tax-qualified, noncontributory and administered by a trustee. The liability recognized in the balance sheet for defined benefit pension plans is the present value of the defined benefit obligation (DBO) at the balance sheet date less the fair value of plan assets, together with adjustments for unrecognized actuarial gains or losses and past service costs. The DBO is calculated annually by independent actuaries using the projected unit credit method. The present value of the DBO is determined by discounting the estimated future cash outflows using interest rates of high quality corporate bonds that are denominated in the currency in which the benefits will be paid and that have terms to maturity approximating to the terms of the related pension liability. Actuarial gains and losses are recognized in full in other comprehensive income.

Provisions

Provisions are recognized when the Company has a present obligation (legal or constructive) as a result of past event, it is probable that an outflow of resources embodying economic benefits will be required to settle the obligation and a reliable estimate can be made of the amount of the obligation. Provisions are reviewed at each balance sheet date and adjusted to reflect the current best estimate. When the effect of the time value of money is material, the amount of a provision is the present value of the expenditures expected to be required to settle the obligation. Where the Company expects a provision to be reimbursed, the reimbursement is recognized as a separate asset but only when the reimbursement is virtually certain.

Contingencies

Contingent liabilities are not recognized in the financial statements. They are disclosed unless the possibility of an outflow of resources embodying economic benefits is remote. A contingent asset is not recognized in the financial statements but disclosed when an inflow of economic benefits is probable.

Events after the End of the Reporting Period

Post-year-end events up to the date of the auditor’s report that provide additional information about the Company’s position at the balance sheet date (adjusting events) are reflected in the financial statements. Post-year-end events that are not adjusting events are disclosed in the notes to financial statements when material.

Related Parties

Related party relationships exist when one party has the ability to control, directly or indirectly through one or more intermediaries, the other party or exercise significant influence over the other party in making financial and operating decisions. This includes: (1) individual owning, directly or indirectly through one or more intermediaries, control, or are controlled by, or under common control with, the Company; (2) associates; and (3) individuals owning, directly or indirectly, an interest in the voting power of the Company that gives them significant influence over the Company and close members of the family of any such individual.

The key management personnel of the Company and post-employment benefit plans for the benefit of Company’s employees are also considered to be related parties.

Income Taxes

As a private educational institution, the Company shall be taxed at 10% Special tax rate as stated in National Internal Revenue Code(NIRC).

3. MANAGEMENT’S SIGNIFICANT ACCOUNTING JUDGMENT AND ESTIMATE

3.1 Judgments

The preparation of the Company’s financial statements in conformity with PFRS for SMEs requires management to make estimates and assumptions that affect the amounts reported in the Company’s financial statements and accompanying notes. The estimates and assumptions used in the Company’s financial statements are based upon management’s evaluation of relevant facts and circumstances as of the date of the Company’s financial statements. Actual results could differ from such estimates.

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Judgments and estimates are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.

3.2 Estimates

In the application of the Company’s accounting policies, management is required to make judgements, estimates and assumptions about the carrying amounts of assets and liabilities that are not readily apparent from other sources. The estimates and associated assumptions are based on historical experience and other factors that are considered to be relevant. Actual results may differ from these estimates.

The estimates and underlying assumptions are reviewed on an ongoing basis. Revisions to accounting estimates are recognised in the period in which the estimate is revised if the revision affects only that period or in the period of the revision and future periods if the revision affects both current and future periods.

• EstimatedUsefulLivesofPropertyandEquipment

The Company estimates the useful lives of property and equipment based on the period over which the property and equipment are expected to be available for use. The estimated useful lives of the property and equipment are reviewed if there is an indication that there has been a significant change since the last annual reporting date and are updated if expectations differ from previous estimates due to physical wear and tear, technical or commercial obsolescence and legal or other limits on the use of the property and equipment. In addition, the estimation of the useful lives of property and equipment is based on the collective assessment of industry practice, internal technical evaluation and experience with similar assets. It is possible, however, that future financial performance could be materially affected by changes in the estimates brought about by changes in factors mentioned above. The amounts and timing of recorded expenses for any period would be affected by changes in these factors and circumstances.

A reduction in the estimated useful lives of the property and equipment would increase the recorded

expenses and decrease the noncurrent assets. Depreciation is computed on a straight-line method over the estimated useful lives of the assets as

follows:

Asset Estimated Useful Life

Land Improvements 1- 10 years Other Equipment 1- 10 years Transportation Equipment 1-10 years Furniture and Fixture 1-10 years Office Equipment 1- 10 years

The foregoing estimated useful lives and depreciation method are reviewed if there is an indication that there has been a significant change since the last annual reporting date to ensure that these are consistent with the expected economic benefits of the property and equipment.

• ImpairmentofNon-financialAssets

The Company assesses the value of property and equipment which require the determination of future cash flows expected to be generated from the continued use and ultimate disposition of such assets, and require the Company to make estimates and assumptions that can materially affect the financial statements. Future events could cause the Company to conclude that property, plant and equipment and other long-lived assets are impaired. Any resulting impairment loss could have a material adverse impact on the Company’s financial condition and results of operations.

The preparation of the estimated future cash flows involves significant judgment and estimations. While the Company believes that its assumptions are appropriate and reasonable, significant changes in these assumptions may materially affect the Company’s assessment of recoverable values and may lead to future additional impairment charges.

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• Revenuerecognition

The Company’s revenue recognition policies require the use of estimates and assumptions that may affect the reported amounts of revenues and receivables. Differences between the amounts initially recognized and actual settlements are taken up in the accounts upon reconciliation. However, there is no assurance that such use of estimates may not result to material adjustments in future periods.

• PensionBenefits

The determination of the obligation and cost for pension benefits is dependent on the selection of certain assumptions used by actuaries in calculating such amounts. Those assumptions, which include among others, discount rates and rates of compensation increase, are indicated in the corresponding notes to financial statements. Actual results that differ from the assumptions are accumulated and amortized over future periods and therefore, generally affect the recognized expense and recorded obligation in such future periods. While the Company believes that the assumptions are reasonable and appropriate, significant differences in the actual experience or significant changes in the assumptions may materially affect the pension obligation.

4. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES

The Company is exposed to capital, credit, and liquidity risks that arise in the normal course of its business. Its risk and control framework includes a focus on minimizing negative effects on the Company’s financial performance. These risks are addressed through corporate policies and procedures approved by the Board.

Capital risk

The Company’s capital structure consists of debt, cash, and equity. This structure is managed and balanced through issuance of new shares, share buy backs and the issuance of new debt or the redemption of existing debt.

Credit risk

Credit controls are established throughout the Company to monitor credit limits on clients, assess the credit worthiness of new and current clients and promptly follow up overdue accounts. Due to the diversified client base of the Company, no major concentrations of credit risk exist.

Liquidity risks

In order to minimize liquidity risk, the Company maintains sufficient cash and has the availability of funding through an adequate amount of committed credit facilities.

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5. CASH

Cash and cash equivalents include the following components as of May 31:

Notes 2012 2011

Petty Cash Fund 2,000.00 2,000.00 Cash in Bank: BDO S/A 2,985,494.14 2,186,911.77 May Bank S/A 270,577.97 97,108.03 SDCC S/A 2,462,178.58 2,042,949.83 SDCC Time Deposit 8,663,158.33 8,257,894.85 BDO Time Deposit 4,127,729.34 4,047,417.55 Total Cash 18,511,138.36 16,634,282.03

6. TRADE AND OTHER RECEIVABLES

This account consists of the following:

Notes 2012 2011

Trade receivables-Tuition fees 1,782,199.98 1,359,236.27 Allowance for probable losses 19 (200,222.65) - Net Realizable value 1,581,977.33 1,359,236.27 Other Receivables 207,545.69 251,003.91 Cash advance for operations 114,296.48 344,396.48 Total Trade and Other Receivables 1,903,819.50 1,954,636.66

7. UNUSED SUPPLIES AND INVENTORIES

This account consists of the following

2012 2011

Unused office supplies 23,244.30 27,630.90 Inventories 254,718.65 362,596.51 Total Other Current Assets 277,962.95 390,227.41

Cash in banks as well as time deposits earn interests at rates based on daily bank deposit rates.

The fair values of accounts receivable have not been disclosed as, due to their short duration, managementconsiders the carrying amounts recognized in the balance sheet to be a reasonable approximation of their fairvalues.

The carrying values of these assets are believed to be a reasonable approximation of their fair values.

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8. PREPAYMENTS

This account consists of the following

2012 2011

Prepaid expenses 176,405.39 306,826.39 Total Prepayments 176,405.39 306,826.39

9. PROPERTY AND EQUIPMENT

This account consists of the following:

Furniture, Fixtures and Office Equipment Other Equipment

Transportation Equipment

Year ended May 31, 2012Opening Net Book Value, June 1, 2011 1,061,440.38 105,242.96 1,161,179.96 Addition 296,452.00 61,145.76 - Depreciation 16.1 (608,049.17) (90,507.27) (129,020.04) Carrying Amount 749,843.21 75,881.45 1,032,159.92

Land Improvements Total

Year ended May 31, 2012Opening Net Book Value, June 1, 2011 - 2,327,863.30 Addition - 357,597.76 Depreciation 16.1 - (827,576.48) Carrying Amount - 1,857,884.58

Furniture, Fixtures and Office Equipment Other Equipment

Transportation Equipment

At May 31, 2012Cost 5,962,626.86 466,272.53 1,290,200.00 Accumulated Depreciation (5,212,783.65) (390,391.08) (258,040.08) Carrying Amount 749,843.21 75,881.45 1,032,159.92

Land Improvements Total

At May 31, 2012Cost 237,636.28 7,956,735.67 Accumulated Depreciation (237,636.28) (6,098,851.09) Carrying Amount - 1,857,884.58

The carrying values of these assets are believed to be a reasonable approximation of their fair values.

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Note

Furniture, Fixtures and Office Equipment Other Equipment

Transportation Equipment

Year ended May 31, 2011Opening Net Book Value, June 1, 2010 859,722.72 77,952.78 1,290,200.00 Addition 856,058.69 271,627.50 - Adjustment - - Depreciation 16.1 (654,341.03) (244,337.32) (129,020.04) Carrying Amount 1,061,440.38 105,242.96 1,161,179.96

Land Improvements Total

Year ended May 31, 2011Opening Net Book Value, June 1, 2010 - 2,227,875.50 Addition - 1,127,686.19 Adjustment - - Depreciation 16.1 - (1,027,698.39) Carrying Amount - 2,327,863.30

Furniture, Fixtures and Office Equipment Other Equipment

Transportation Equipment

At May 31, 2011Cost 5,666,174.86 405,126.77 1,290,200.00 Accumulated Depreciation (4,604,734.48) (299,883.81) (129,020.04) Carrying Amount 1,061,440.38 105,242.96 1,161,179.96

Land Improvements Total

At May 31, 2011Cost 237,636.28 7,599,137.91 Accumulated Depreciation (237,636.28) (5,271,274.61) Carrying Amount - 2,327,863.30

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10. OTHER NON-CURRENT ASSETS

This account consists of following:

2012 Notes Books Computerization Total

Net Book Value, June 1, 2011 166427.17 460,455.70 626,882.87 Add: Acquisitions 77,120.00 132,300.00 209,420.00 Less: Amortizations 16.1 (85,723.11) (200,396.04) (286,119.15)

Net Book Value, May 31 157,824.06 392,359.66 550,183.72

2011 Notes Books Computerization Total

Net Book Value, June 1, 2010 108,385.13 725,174.28 833,559.41 Add: Acquisitions 145,427.56 40,000.00 185,427.56 Less: Amortization 16.1 (87,385.52) (304,718.58) (392,104.10)

Net Book Value, May 31 166,427.17 460,455.70 626,882.87

11. TRADE AND OTHER PAYABLES

This account consists of following:

2012 2011

Unearned Tuition Fees 5,808,224.84 5,945,086.49 SSS/Philhealth/Pag ibig premium payable 22,662.20 20,266.80 Rent expense payable 9,589,520.28 10,357,620.28 Employee retirement fund payable 25,063.91 23,064.77 Accrued Expenses- others 66,876.27 163,327.88 Donations 24,223.50 24,223.50 Other Payables 512,417.67 493,413.55 Total Trade and Other Payables 16,048,988.67 17,027,003.27

12. DIVIDENDS PAYABLE

This account consists of following:

Notes 2012 2011

Balance at the beginning of the year - - 15.1 1,218,390.79 -

Less:Payments made during the year (624,274.34) - Balance at the end of the year 594,116.45 -

13. TAX LIABILITIES This account consists of following:

The fair values of accounts payable and accrued expenses have not been disclosed as, due to their short duration,management considers the carrying amounts recognized in the balance sheet to be a reasonable approximationof their fair values.

Add: Dividends declared during the year

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2012 2011

Withholding tax payable 46,379.54 53,257.59 Income tax payable 42,053.51 54,451.73 Total Tax liabilities 102,608.05 107,709.32

13.1 INCOME TAX PAYABLE

The following table presents information to calculate income tax due for the year:

2012 2011

NET INCOME BEFORE TAX 3,086,011.44 2,149,534.25 ADD( Less) Permanent Differences:

Interest income from deposits (515,426.35) (458,073.32) Disallowed Provision for probable losses on loans 200,222.65 -

Net Income Subjected to Tax 2,770,807.74 1,691,460.93

INCOME TAX DUE Special tax rate (10%) 277,080.77 169,146.09

Less: Quarterly Payments 169,567.04 114,694.36 Prior years' tax credits 65,460.22 -

Income Tax Payable 42,053.51 54,451.73

13.2 New Tax Regulations

In 2012 and 2011, the Company opted to continue claiming itemized standard deductions.

Notes 2012 2011

Reported In Income StatementsSpecial income tax- at 10% 13 277,080.77 169,146.09 Final tax at 20% 128,856.59 114,518.33 Total 405,937.36 283,664.42

14. SHARE CAPITAL

This account consists of following:

2012 2011

Effective July 2008, Republic Act 9504 was approved giving corporate taxpayers an option to claim itemizeddeduction or optional standard deduction (OSD) equivalent to 40% of gross sales. Once the option to use OSD ismade, it shall be irrevocable for the taxable year for which the option was made.

13.3 The following are the Components of tax expense ( income) as reported in the income statements:

10. OTHER NON-CURRENT ASSETS

This account consists of following:

2012 Notes Books Computerization Total

Net Book Value, June 1, 2011 166427.17 460,455.70 626,882.87 Add: Acquisitions 77,120.00 132,300.00 209,420.00 Less: Amortizations 16.1 (85,723.11) (200,396.04) (286,119.15)

Net Book Value, May 31 157,824.06 392,359.66 550,183.72

2011 Notes Books Computerization Total

Net Book Value, June 1, 2010 108,385.13 725,174.28 833,559.41 Add: Acquisitions 145,427.56 40,000.00 185,427.56 Less: Amortization 16.1 (87,385.52) (304,718.58) (392,104.10)

Net Book Value, May 31 166,427.17 460,455.70 626,882.87

11. TRADE AND OTHER PAYABLES

This account consists of following:

2012 2011

Unearned Tuition Fees 5,808,224.84 5,945,086.49 SSS/Philhealth/Pag ibig premium payable 22,662.20 20,266.80 Rent expense payable 9,589,520.28 10,357,620.28 Employee retirement fund payable 25,063.91 23,064.77 Accrued Expenses- others 66,876.27 163,327.88 Donations 24,223.50 24,223.50 Other Payables 512,417.67 493,413.55 Total Trade and Other Payables 16,048,988.67 17,027,003.27

12. DIVIDENDS PAYABLE

This account consists of following:

Notes 2012 2011

Balance at the beginning of the year - - 15.1 1,218,390.79 -

Less:Payments made during the year (624,274.34) - Balance at the end of the year 594,116.45 -

13. TAX LIABILITIES This account consists of following:

The fair values of accounts payable and accrued expenses have not been disclosed as, due to their short duration,management considers the carrying amounts recognized in the balance sheet to be a reasonable approximationof their fair values.

Add: Dividends declared during the year

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Authorized capital- Php 3,000,000,00 at Php 100.00divided into 30,000 shares

Balance at the beginning of the year 2,550,100.00 2,550,100.00 Add: Receipts from subscriptions 100.00 - Balance at the end of the year 2,550,200.00 2,550,100.00

15. RETAINED EARNINGS

This account consists of following:

Notes 2012 2011

Retained Earnings, FreeBalance at the beginning of the year 2,555,906.07 589,937.31 Add: Net Income 2,808,930.67 1,980,388.16 Less: Dividends 12, 15.1 (1,218,390.79) - Payment of tax deficiency 15.2 (120,752.29) - Correction of prior period errors (44,212.33) (14,419.40)

Appropriations 15.3 (1,500,000.00) Balance at the end of the year 2,481,481.33 2,555,906.07

Notes 2012 2011

Retained Earnings, AppropriatedBalance at the beginning of the year - - Add: Apropriations 1,500,000.00 - Balance at the end of the year 15.3 1,500,000.00 -

15.1 Dividends

This account consists of following:

Notes 2012

Dividends declared- March 11, 2011 624,274.34 Dividends declared- April 20, 2012 594,116.45

12,15 - 1,218,390.79

15.3 Appropriations

This account consists of following:

Notes 2012

Appropriation for dividends 842,679.20 Appropriation for school expansion and improvements 657,320.80

12,15 - 1,500,000.00

15.2 Payment of tax deficiency consists of tax assessments for the school year 2008-2009 amounting to P120,752.29.

Total Appropriations

Total Dividends

Dividends declared on March 11, 2011 were paid on December 27,, 2011. Dividends declared on April 20, 2012will be paid on December 31, 2012. They were reported in the Balance sheet as dividends payable as ofDecember 31, 2012.

2012 2011

Withholding tax payable 46,379.54 53,257.59 Income tax payable 42,053.51 54,451.73 Total Tax liabilities 102,608.05 107,709.32

13.1 INCOME TAX PAYABLE

The following table presents information to calculate income tax due for the year:

2012 2011

NET INCOME BEFORE TAX 3,086,011.44 2,149,534.25 ADD( Less) Permanent Differences:

Interest income from deposits (515,426.35) (458,073.32) Disallowed Provision for probable losses on loans 200,222.65 -

Net Income Subjected to Tax 2,770,807.74 1,691,460.93

INCOME TAX DUE Special tax rate (10%) 277,080.77 169,146.09

Less: Quarterly Payments 169,567.04 114,694.36 Prior years' tax credits 65,460.22 -

Income Tax Payable 42,053.51 54,451.73

13.2 New Tax Regulations

In 2012 and 2011, the Company opted to continue claiming itemized standard deductions.

Notes 2012 2011

Reported In Income StatementsSpecial income tax- at 10% 13 277,080.77 169,146.09 Final tax at 20% 128,856.59 114,518.33 Total 405,937.36 283,664.42

14. SHARE CAPITAL

This account consists of following:

2012 2011

Effective July 2008, Republic Act 9504 was approved giving corporate taxpayers an option to claim itemizeddeduction or optional standard deduction (OSD) equivalent to 40% of gross sales. Once the option to use OSD ismade, it shall be irrevocable for the taxable year for which the option was made.

13.3 The following are the Components of tax expense ( income) as reported in the income statements:

16. REVENUES

This account consists of following:

2012 2011

Tuition Fees 15,887,703.52 15,673,481.49 15,887,703.52 15,673,481.49

17. COST OF SERVICES

This account consists of following:

Notes 2012 2011

Salaries and wages 21.1 5,433,159.52 5,191,824.94 Employees Benefits 21.1 1,765,078.92 1,716,283.76 SSS/HDMF/Philhealth 21.1 480,840.20 458,844.30 Library and other materials 421,654.21 383,783.19 Power, light and water 2,598,627.09 2,669,364.22 Fellowship, Cultural and other Activities 515,264.61 495,632.60 Insurance 62,834.15 53,574.72 Rent 3,402,000.00 3,242,000.00 Advertising - 3,000.00 Repairs and maintenance 936,903.79 1,006,880.46 Professional fees 1,298,056.34 1,067,447.86 Depreciation and amortization 16.1 1,113,695.63 1,419,802.49 Miscellaneous direct expenses 934,321.15 1,241,603.50

18,962,435.61 18,950,042.04

17. 1 DEPRECIATION AND AMORTIZATION

This account consists of following:

Notes 2012 2011

Depreciation 9,17 827,576.48 1,027,698.39 Amortization 10,17 286,119.15 392,104.10

1,113,695.63 1,419,802.49

18.OTHER INCOME (EXPENSES)

Total Revenues

Total Cost of Services

The Board of Directors appropriated retained earnings amounting to Php 842,679.20 as dividends for 2011-2012and Php 657,320.80 for the school expansion and improvements as per Board Resolution dated September 7,2012.

Total depreciation and amortization

Authorized capital- Php 3,000,000,00 at Php 100.00divided into 30,000 shares

Balance at the beginning of the year 2,550,100.00 2,550,100.00 Add: Receipts from subscriptions 100.00 - Balance at the end of the year 2,550,200.00 2,550,100.00

15. RETAINED EARNINGS

This account consists of following:

Notes 2012 2011

Retained Earnings, FreeBalance at the beginning of the year 2,555,906.07 589,937.31 Add: Net Income 2,808,930.67 1,980,388.16 Less: Dividends 12, 15.1 (1,218,390.79) - Payment of tax deficiency 15.2 (120,752.29) - Correction of prior period errors (44,212.33) (14,419.40)

Appropriations 15.3 (1,500,000.00) Balance at the end of the year 2,481,481.33 2,555,906.07

Notes 2012 2011

Retained Earnings, AppropriatedBalance at the beginning of the year - - Add: Apropriations 1,500,000.00 - Balance at the end of the year 15.3 1,500,000.00 -

15.1 Dividends

This account consists of following:

Notes 2012

Dividends declared- March 11, 2011 624,274.34 Dividends declared- April 20, 2012 594,116.45

12,15 - 1,218,390.79

15.3 Appropriations

This account consists of following:

Notes 2012

Appropriation for dividends 842,679.20 Appropriation for school expansion and improvements 657,320.80

12,15 - 1,500,000.00

15.2 Payment of tax deficiency consists of tax assessments for the school year 2008-2009 amounting to P120,752.29.

Total Appropriations

Total Dividends

Dividends declared on March 11, 2011 were paid on December 27,, 2011. Dividends declared on April 20, 2012will be paid on December 31, 2012. They were reported in the Balance sheet as dividends payable as ofDecember 31, 2012.

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16. REVENUES

This account consists of following:

2012 2011

Tuition Fees 15,887,703.52 15,673,481.49 15,887,703.52 15,673,481.49

17. COST OF SERVICES

This account consists of following:

Notes 2012 2011

Salaries and wages 21.1 5,433,159.52 5,191,824.94 Employees Benefits 21.1 1,765,078.92 1,716,283.76 SSS/HDMF/Philhealth 21.1 480,840.20 458,844.30 Library and other materials 421,654.21 383,783.19 Power, light and water 2,598,627.09 2,669,364.22 Fellowship, Cultural and other Activities 515,264.61 495,632.60 Insurance 62,834.15 53,574.72 Rent 3,402,000.00 3,242,000.00 Advertising - 3,000.00 Repairs and maintenance 936,903.79 1,006,880.46 Professional fees 1,298,056.34 1,067,447.86 Depreciation and amortization 16.1 1,113,695.63 1,419,802.49 Miscellaneous direct expenses 934,321.15 1,241,603.50

18,962,435.61 18,950,042.04

17. 1 DEPRECIATION AND AMORTIZATION

This account consists of following:

Notes 2012 2011

Depreciation 9,17 827,576.48 1,027,698.39 Amortization 10,17 286,119.15 392,104.10

1,113,695.63 1,419,802.49

18.OTHER INCOME (EXPENSES)

Total Revenues

Total Cost of Services

The Board of Directors appropriated retained earnings amounting to Php 842,679.20 as dividends for 2011-2012and Php 657,320.80 for the school expansion and improvements as per Board Resolution dated September 7,2012.

Total depreciation and amortization

Authorized capital- Php 3,000,000,00 at Php 100.00divided into 30,000 shares

Balance at the beginning of the year 2,550,100.00 2,550,100.00 Add: Receipts from subscriptions 100.00 - Balance at the end of the year 2,550,200.00 2,550,100.00

15. RETAINED EARNINGS

This account consists of following:

Notes 2012 2011

Retained Earnings, FreeBalance at the beginning of the year 2,555,906.07 589,937.31 Add: Net Income 2,808,930.67 1,980,388.16 Less: Dividends 12, 15.1 (1,218,390.79) - Payment of tax deficiency 15.2 (120,752.29) - Correction of prior period errors (44,212.33) (14,419.40)

Appropriations 15.3 (1,500,000.00) Balance at the end of the year 2,481,481.33 2,555,906.07

Notes 2012 2011

Retained Earnings, AppropriatedBalance at the beginning of the year - - Add: Apropriations 1,500,000.00 - Balance at the end of the year 15.3 1,500,000.00 -

15.1 Dividends

This account consists of following:

Notes 2012

Dividends declared- March 11, 2011 624,274.34 Dividends declared- April 20, 2012 594,116.45

12,15 - 1,218,390.79

15.3 Appropriations

This account consists of following:

Notes 2012

Appropriation for dividends 842,679.20 Appropriation for school expansion and improvements 657,320.80

12,15 - 1,500,000.00

15.2 Payment of tax deficiency consists of tax assessments for the school year 2008-2009 amounting to P120,752.29.

Total Appropriations

Total Dividends

Dividends declared on March 11, 2011 were paid on December 27,, 2011. Dividends declared on April 20, 2012will be paid on December 31, 2012. They were reported in the Balance sheet as dividends payable as ofDecember 31, 2012.

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16. REVENUES

This account consists of following:

2012 2011

Tuition Fees 15,887,703.52 15,673,481.49 15,887,703.52 15,673,481.49

17. COST OF SERVICES

This account consists of following:

Notes 2012 2011

Salaries and wages 21.1 5,433,159.52 5,191,824.94 Employees Benefits 21.1 1,765,078.92 1,716,283.76 SSS/HDMF/Philhealth 21.1 480,840.20 458,844.30 Library and other materials 421,654.21 383,783.19 Power, light and water 2,598,627.09 2,669,364.22 Fellowship, Cultural and other Activities 515,264.61 495,632.60 Insurance 62,834.15 53,574.72 Rent 3,402,000.00 3,242,000.00 Advertising - 3,000.00 Repairs and maintenance 936,903.79 1,006,880.46 Professional fees 1,298,056.34 1,067,447.86 Depreciation and amortization 16.1 1,113,695.63 1,419,802.49 Miscellaneous direct expenses 934,321.15 1,241,603.50

18,962,435.61 18,950,042.04

17. 1 DEPRECIATION AND AMORTIZATION

This account consists of following:

Notes 2012 2011

Depreciation 9,17 827,576.48 1,027,698.39 Amortization 10,17 286,119.15 392,104.10

1,113,695.63 1,419,802.49

18.OTHER INCOME (EXPENSES)

Total Revenues

Total Cost of Services

The Board of Directors appropriated retained earnings amounting to Php 842,679.20 as dividends for 2011-2012and Php 657,320.80 for the school expansion and improvements as per Board Resolution dated September 7,2012.

Total depreciation and amortization

This account consists of following:

Notes 2012 2011

Miscellaneous fee 6,911,690.58 5,973,700.00 Miscellaneous fees-Others 386,629.40 351,513.88

18.1 402,978.47 514,892.54

Interest Income from Deposits 515,426.35 458,073.32 Total other Income 8,216,724.80 7,298,179.74

18.1 INCOME FROM SALES OF BOOKS, SUPPLIES AND UNIFORMS

This account is computed as follows:

2012 2011

Net Sales 2,451,647.17 2,439,286.77 Cost of Sales Beginning Merchandise Inventory 362,596.51 227,570.90 Add: Net Purchases 1,940,790.84 2,059,419.84 Total Goods Available for Sale 2,303,387.35 2,286,990.74 Less: Ending Merchandise Inventory (254,718.65) 362,596.51 Cost of Sales 2,048,668.70 1,924,394.23 Gross Income from sale of books, supplies and uniforms 402,978.47 514,892.54

19. ADMINISTRATIVE EXPENSES

This account consists of the following:

Notes 2012 2011

General support services 726,552.00 737,531.42 Trainings, seminars and conferences 357,496.86 275,207.92 Supplies 24,539.85 32,382.60 Communication 109,190.70 103,532.15 Transportation and representation 87,219.77 77,174.21 Taxes and licenses 26 166,311.80 146,956.39 Medical and dental expense 38,311.00 - Periodicals, Magazines and Subscriptions 8,178.00 - EDSD Employees Retirement Fund Expense 21.2 337,958.64 324,996.94 Provision for probable losses 6 200,222.65 - Write- off of accounts receivable - 167,681.31

Income from book , supplies and uniforms

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Miscellaneous - 6,622.00 Total Administrative expense 2,055,981.27 1,872,084.94

20 . RELATED PARTY TRANSACTIONS

The following are the related party transactions of the Company:

a. Due to Related Parties

There are no key management personnel receiving compensation as well as other employee benefits.

21. EMPLOYEE BENEFITS

21.1 Salaries and Employee Benefits Expense

Details of salaries and employee benefits are presented below:

Notes 2012 2011

Short-term employee benefits:Salaries and Wages 17 5,433,159.52 5,191,824.94 Employees Benefits 17 1,765,078.92 1,716,283.76

17 480,840.20 458,844.30

Total Short-term employee benefits 7,679,078.64 7,366,953.00

Long-term employee benefits:Retirement obligation 21.2 337,958.64 324,996.94

Total 8,017,037.28 7,691,949.94

As of May 31, 2012 and 2011, this consists of unpaid rentals to SDCC amounting to Php 9,589,520.28 and10,357,620.28 respectively.

SSS, Philhealth and Pag-ibig Fund Contributions

Parties are considered to be related if one party has the ability to control the other party or exercise significantinfluence over the other party in making financial and operating decisions. This includes: (a) individualsowning, directly or indirectly through one or more intermediaries, control or are controlled by, or under commoncontrol with, the Company; (b) associates; and (c) individuals owning, directly or indirectly, an interest in thevoting power of the Company that gives them significant influence over the Company and close members of thefamily of any such individual.

b. Key Management Personnel Compensation and Benefits

This account consists of following:

Notes 2012 2011

Miscellaneous fee 6,911,690.58 5,973,700.00 Miscellaneous fees-Others 386,629.40 351,513.88

18.1 402,978.47 514,892.54

Interest Income from Deposits 515,426.35 458,073.32 Total other Income 8,216,724.80 7,298,179.74

18.1 INCOME FROM SALES OF BOOKS, SUPPLIES AND UNIFORMS

This account is computed as follows:

2012 2011

Net Sales 2,451,647.17 2,439,286.77 Cost of Sales Beginning Merchandise Inventory 362,596.51 227,570.90 Add: Net Purchases 1,940,790.84 2,059,419.84 Total Goods Available for Sale 2,303,387.35 2,286,990.74 Less: Ending Merchandise Inventory (254,718.65) 362,596.51 Cost of Sales 2,048,668.70 1,924,394.23 Gross Income from sale of books, supplies and uniforms 402,978.47 514,892.54

19. ADMINISTRATIVE EXPENSES

This account consists of the following:

Notes 2012 2011

General support services 726,552.00 737,531.42 Trainings, seminars and conferences 357,496.86 275,207.92 Supplies 24,539.85 32,382.60 Communication 109,190.70 103,532.15 Transportation and representation 87,219.77 77,174.21 Taxes and licenses 26 166,311.80 146,956.39 Medical and dental expense 38,311.00 - Periodicals, Magazines and Subscriptions 8,178.00 - EDSD Employees Retirement Fund Expense 21.2 337,958.64 324,996.94 Provision for probable losses 6 200,222.65 - Write- off of accounts receivable - 167,681.31

Income from book , supplies and uniforms

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Miscellaneous - 6,622.00 Total Administrative expense 2,055,981.27 1,872,084.94

20 . RELATED PARTY TRANSACTIONS

The following are the related party transactions of the Company:

a. Due to Related Parties

There are no key management personnel receiving compensation as well as other employee benefits.

21. EMPLOYEE BENEFITS

21.1 Salaries and Employee Benefits Expense

Details of salaries and employee benefits are presented below:

Notes 2012 2011

Short-term employee benefits:Salaries and Wages 17 5,433,159.52 5,191,824.94 Employees Benefits 17 1,765,078.92 1,716,283.76

17 480,840.20 458,844.30

Total Short-term employee benefits 7,679,078.64 7,366,953.00

Long-term employee benefits:Retirement obligation 21.2 337,958.64 324,996.94

Total 8,017,037.28 7,691,949.94

As of May 31, 2012 and 2011, this consists of unpaid rentals to SDCC amounting to Php 9,589,520.28 and10,357,620.28 respectively.

SSS, Philhealth and Pag-ibig Fund Contributions

Parties are considered to be related if one party has the ability to control the other party or exercise significantinfluence over the other party in making financial and operating decisions. This includes: (a) individualsowning, directly or indirectly through one or more intermediaries, control or are controlled by, or under commoncontrol with, the Company; (b) associates; and (c) individuals owning, directly or indirectly, an interest in thevoting power of the Company that gives them significant influence over the Company and close members of thefamily of any such individual.

b. Key Management Personnel Compensation and Benefits

21.2 EMPLOYEE RETIREMENT BENEFIT OBLIGATION

The plan assets consist of savings deposit, both for 2012 and 2011.

The amounts of retirement benefits expense recognized in the income statements are as follows:

Notes 2012

Amortization of Accrued Liability 62,679.36 Current Service Costs 275,279.28 Total Retirement Expense 19,21 337,958.64

Discount rate 8%Salary increase rate 6%Normal Cost Rate 5.29%

21.3 Tax Angle

22. EVENTS AFTER BALANCE SHEET DATE

Ultimately, when the benefits are distributed to the retirees, these benefits are tax-exempt under certainconditions.

As of May 31, 2012, fair value of the plan assets of the retirement fund was computed at Php 961,344.34

Assumptions regarding future mortality are based on published statistics and mortality tables. The average agefor the male was 27.61 years and for the females, 35.01 years.The average length of service for the male was8.37 years, for the female, 33.28 years, and for both, 32.61 years.

Based on the actuarial valuation, the funding method used was the " Entry-Age-Normal" cost method, where theaccrued liability is the present value of all benefits less the present value of all future normal cost contributions.Accrued liability was determined at P 564, 115.00 as of the valuation date, July 10, 2008.

For the determination of the retirement benefit obligation, the following actuarial assumptions were used:

Since the Company is subject to income tax, and the retirement plan is a tax-qualified plan, Companycontributions for current service cost are considered 100% tax deductible, while those pertaining to past service (amortization of the transition liability, past service cost and actuarial gains or losses; interest cost; and theexpected return on plan assets) are deductible to the extent ot 10%, the other 90% being spread equally over thenext succeeding nine ( 9) years.

Further, the income from the Trust Fund from its investments is fully exempt from income tax ( Sec. 32 (b) (6) (a) of the Tax Code of 1997).

The Company maintains a wholly funded, tax-qualified non-contributory retirement plan that is beingadministered by a trustee covering all regular full-time employees. Actuarial valuations are made periodically toupdate the retirement benefit costs and amount of contributions. Last actuarial valuation was done on July 10,2008, to be amortized equally over the succeeding nine (9) years.

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23. COMMITMENTS AND CONTINGENCIES

24. GOING CONCERN

There were no going concern issues that need to be disclosed involving the Company.

25. RECLASSIFICATION

Certain accounts in 2011 were reclassified to conform with the 2012 presentation of financial statements.

There were no significant commitments and contingencies involving the Company as of Balance Sheet date.

There were no events after balance sheet date that would require a disclosure or adjustment on the financialstatements of the Company.

The accompanying financial statements have been prepared on a going concern basis, which contemplate therealization of assets and settlement of liabilities in the normal course of business.

21.2 EMPLOYEE RETIREMENT BENEFIT OBLIGATION

The plan assets consist of savings deposit, both for 2012 and 2011.

The amounts of retirement benefits expense recognized in the income statements are as follows:

Notes 2012

Amortization of Accrued Liability 62,679.36 Current Service Costs 275,279.28 Total Retirement Expense 19,21 337,958.64

Discount rate 8%Salary increase rate 6%Normal Cost Rate 5.29%

21.3 Tax Angle

22. EVENTS AFTER BALANCE SHEET DATE

Ultimately, when the benefits are distributed to the retirees, these benefits are tax-exempt under certainconditions.

As of May 31, 2012, fair value of the plan assets of the retirement fund was computed at Php 961,344.34

Assumptions regarding future mortality are based on published statistics and mortality tables. The average agefor the male was 27.61 years and for the females, 35.01 years.The average length of service for the male was8.37 years, for the female, 33.28 years, and for both, 32.61 years.

Based on the actuarial valuation, the funding method used was the " Entry-Age-Normal" cost method, where theaccrued liability is the present value of all benefits less the present value of all future normal cost contributions.Accrued liability was determined at P 564, 115.00 as of the valuation date, July 10, 2008.

For the determination of the retirement benefit obligation, the following actuarial assumptions were used:

Since the Company is subject to income tax, and the retirement plan is a tax-qualified plan, Companycontributions for current service cost are considered 100% tax deductible, while those pertaining to past service (amortization of the transition liability, past service cost and actuarial gains or losses; interest cost; and theexpected return on plan assets) are deductible to the extent ot 10%, the other 90% being spread equally over thenext succeeding nine ( 9) years.

Further, the income from the Trust Fund from its investments is fully exempt from income tax ( Sec. 32 (b) (6) (a) of the Tax Code of 1997).

The Company maintains a wholly funded, tax-qualified non-contributory retirement plan that is beingadministered by a trustee covering all regular full-time employees. Actuarial valuations are made periodically toupdate the retirement benefit costs and amount of contributions. Last actuarial valuation was done on July 10,2008, to be amortized equally over the succeeding nine (9) years.

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26. SUPPLEMENTARY INFORMATION REQUIRED AS PER BIR RR 15-2010

A. OUTPUT VAT

2012 VATABLE ZERO RATED EXEMPT TOTAL

REVENUES - - 15,887,703.52 15,887,703.52 OTHER REVENUES 8,216,724.80 8,216,724.80 TOTAL REVENUES - - 24,104,428.32 24,104,428.32

OUTPUT VAT RATE 12% 0% - -

TOTAL OUTPUT VAT - - - -

B. INPUT VAT:

C. TAXES AND LICENSES

Presented under Administrative Expenses:

2012

BIR Annual Registration 500.00 Business Permit 163,348.80 Deped Permit 2,463.00 Total Taxes and Licenses 166,311.80

D. WITHHOLDING TAXES

Details of the Company's witholding taxes , either paid or accrued, are as follows:

2012

Expanded withholding tax 348,756.45 Withholding taxes on compensation 263,371.44 TOTAL 612,127.89

The following information on taxes, duties and license fees paid or accrued during the taxable year is presented forpurposes of filing with the Bureau of Internal Revenue and is not a required part of the basic financial statements.

The Company is a private educational institution committed to deliver quality education to elementary and secondarystudents. Therefore, its revenues , derived from the tution fees of its enrollees, as well as donations from itsbenefactors, are all exempt from VAT.

Being a VAT- exempt entity, the Company treats its INPUT VAT as part of the Cost of Goods or Services Purchased.

Details of the Company's Taxes and Licenses , either paid or accrued are as follows:

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27. SUPPLEMENTARY INFORMATION REQUIRED BY THE BIR UNDER RR 19-2011

Fees

Exempt Special Rate Regular Rate

Tuition - 15,887,703.52 - Total Fees 15,887,703.52 -

Direct Costs

Exempt Special Rate Regular Rate Salaries and wages 5,433,159.52 Employees Benefits 1,765,078.92 SSS/HDMF/Philhealth 480,840.20 Library and other materials 421,654.21 Power, light and water 2,598,627.09 Fellowship, Cultural and other Activities 515,264.61 Insurance 62,834.15 Rent 3,402,000.00 Advertising - Repairs and maintenance 936,903.79 Professional fees 1,298,056.34 Depreciation and amortization 1,113,695.63 Miscellaneous direct expenses 934,321.15

18,962,435.61 -

Exempt Special Rate Regular Rate

Miscellaneous fees 6,911,690.58 - Miscellaneous-Others 386,629.40 - Interest income from deposits 515,426.35 Sales from books, uniforms and supplies 402,978.47 -

- 8,216,724.80 -

Itemized deductions

Details of the Escuela De San Dionisio, Inc.'s revenues earned during the year are as follows:

2012

Details of the Escuela De San Dionisio Inc.’s other income earned during the year are as follows:

2012

Details of the Escuela De San Dionisio Inc.’s itemized deductions incurred during the year are as follows:

Details of the Escuela De San Dionisio, Inc.'s direct cost earned during the year are as follows:

2012

Escuela de S

an Dionisio

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118

27. SUPPLEMENTARY INFORMATION REQUIRED BY THE BIR UNDER RR 19-2011

Fees

Exempt Special Rate Regular Rate

Tuition - 15,887,703.52 - Total Fees 15,887,703.52 -

Direct Costs

Exempt Special Rate Regular Rate Salaries and wages 5,433,159.52 Employees Benefits 1,765,078.92 SSS/HDMF/Philhealth 480,840.20 Library and other materials 421,654.21 Power, light and water 2,598,627.09 Fellowship, Cultural and other Activities 515,264.61 Insurance 62,834.15 Rent 3,402,000.00 Advertising - Repairs and maintenance 936,903.79 Professional fees 1,298,056.34 Depreciation and amortization 1,113,695.63 Miscellaneous direct expenses 934,321.15

18,962,435.61 -

Exempt Special Rate Regular Rate

Miscellaneous fees 6,911,690.58 - Miscellaneous-Others 386,629.40 - Interest income from deposits 515,426.35 Sales from books, uniforms and supplies 402,978.47 -

- 8,216,724.80 -

Itemized deductions

Details of the Escuela De San Dionisio, Inc.'s revenues earned during the year are as follows:

2012

Details of the Escuela De San Dionisio Inc.’s other income earned during the year are as follows:

2012

Details of the Escuela De San Dionisio Inc.’s itemized deductions incurred during the year are as follows:

Details of the Escuela De San Dionisio, Inc.'s direct cost earned during the year are as follows:

2012

Exempt Special Rate Regular Rate

General support services 726,552.00 - Trainings, seminars and conferences 357,496.86 - Supplies 24,539.85 - Communication 109,190.70 - Transportation and representation 87,219.77 - Taxes and licenses 166,311.80 - Medical and dental expense 38,311.00 - Periodicals, Magazines and Subscriptions 8,178.00 - EDSD Employees Retirement Fund Expense 337,958.64 Provision for probable losses 200,222.65 - Total - 2,055,981.27

ANNEX A: REPORT ON RECONCILIATION OF RETAINED EARNINGS AVAILABLE FOR CASH DIVIDEND

Report on Reconciliation of Cummulative Earnings Available for Dividend Declaration

2012

Balance at Beginning of year 2,555,906.07 Add (Deduct) Net Income 2,808,930.67 Payment for tax deficiency for SY 2008-2009 (120,752.29) Cash dividends declared (1,218,390.79) Prior period adjustments (44,212.33) Less: Appropriations 15.3 (1,500,000.00) Retained earnings available for dividend declarations 2,481,481.33

2012

Esc

uela

de S

an D

ionis

io

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119

%

5.89%11.62%

-16.81%84.63%13.23%3.08%

3.46%1.42%4.67%

0-9.88%-3.42%

6.26%34.62%

9.58%10.00%2.04%

-15.46%5.10%9.25%

-0.94%35.00%

-11698.15%

-0.94%35.00%

-11698.15%

51.71%69.16%

-83.53%

51.71%69.16%

-83.53%

9.26%42.92%

-224.23%

SAN DIONISIO CREDIT COOPERATIVEHIGHLIGHTS OF OPERATION

As of December 1- 31, 2012

December 31, 2012A

247.00 148.95 205.72 135.30 870.68 643.78

15899813587422

23.81%3.39%

102,819,383.06 19,291,088.30

24,063,868.73 1,861,572.41 7,164,504.20

20,891,272.58 73,272,306.22 29,547,076.84

596,201,033.45 810,000,000.00

(213,798,966.55)

49,683,419.45 67,500,000.00

(17,816,580.55)

575,994,345.46 568,847,955.60

7,146,389.86

47,999,528.79 47,403,996.30

595,532.49

74,475,829.76 85,147,000.00

(10,671,170.24)

MMMMMM

MMMMMM

MMMMMM

Share CapitalSavings DepositsTime DepositSinag DepositTotal assetsTotal ReceivableMembership: Regular member Special depositor Adult depositor AssociatesPortfolio At RiskReturn on Assets ( ROA )

Total RevenueFinancing CostAdministrative Cost: Employees Officers Members OperationFin. & Administrative CostNet SurplusLoans Granted: Actual: Budget Inc./(Dec.)Average monthly loans granted: Actual Budget Inc./(Dec.)Loan Collection: Regular/Appliance/Rice Budget Inc./(Dec.)Average monthly loan collection: Regular/Appliance/Rice Budget Inc./(Dec.)Interest collected on loan Regular/Appliance/Rice Budget Inc/(Dec.)

Prepared by:

ELENITA C. SANCHEZ Accountant

Certified true and correct by:

CIELITO L. GARRIDOChief Executive Officer

December 31,2011B

233.25 133.44 247.30 73.28

768.98 624.56

153678021835

026.42%3.51%

96,761,307.32 14,330,531.83

21,960,826.54 1,692,411.41 7,021,198.38

24,711,983.96 69,716,952.12 27,044,355.20

601,843,389.18 600,000,000.00

1,843,389.18

50,153,615.77 50,000,000.00

153,615.76

379,665,045.23 336,283,651.32 43,381,393.91

31,638,753.77 28,023,637.61 3,615,116.16

68,166,844.49 59,577,000.00 8,589,844.49

VARIANCEA-B

13.75 15.51

(41.58) 62.02

101.70 19.22

5321143922

-2.61%-0.12%

6,058,075.74 4,960,556.47

2,103,042.19 169,161.00 143,305.82

(3,820,711.38) 3,555,354.10 2,502,721.64

(5,642,355.73) 210,000,000.00

(215,642,355.73)

(470,196.31) 17,500,000.00

(17,970,196.31)

196,329,300.23 232,564,304.28 (36,235,004.05)

16,360,775.02 19,380,358.69 (3,019,583.67)

6,308,985.27 25,570,000.00

(19,261,014.73)

A.B.C.D.E.F.G.

H.I.

J.K.L.

M.N.

O.

P.

Q.

R.

HIGHLIGHTS OF OPERATIONFor the periods ended, January 01 to December 31, 2012 and 2011

Highlights of O

peration

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120

SAN DIONISIO CREDIT COOPERATIVE0554 Quirino Avenue, San Dionisio, Parañaque City

CDA REGISTRATION NO. C-922-091

PERFORMANCE STANDARDS FOR CREDIT AND OTHER TYPES OFCOOPERATIVES WITH CREDIT SERVICES IN THE PHILIPPINES

(Rating Sheet)AS OF DECEMBER 31, 2012

Equivalent rating of overall raw score: 1 - 90 to 100% - EXCELLENT 2 - 80 to 90% - VERY GOOD3 - 70 to 80% - GOOD 4 - 60 to 70% - FAIR 5 - below 60% - POOR

Prepared By:

ELENITA C. SANCHEZAccountant

Certified True & Correct By:

CIELITO L. GARRIDOChief Executive Officer

COOPCompliance to Administrative &

Legal RequirementOrganizationOperation & ManagementPlans/Programs & PerformanceTotal COOP Points

COOP RATING

PESOS RATINGCOOP-PESOS Total Raw Score

Overall Ratings

PESOSPortfolio QualityEfficiencyStabilityOperationsStructure of AssetsTotal PESOS Points

20%

80%

20

264014

100

2520301015

100

(Crating x .20 +Prating x .80)

20

264014

100

20

517.5

89

13.553

20

264014

100

20

4191471357

MaximumRaw Score

Weight Actual ScoreDec. 31, 2011

Actual ScoreDec. 31, 2012

42.4

62.4FAIR

45.6

65.6FAIR

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121

Total Assets (1961-2012)

Am

ount

(Php

Mill

ion)

Statistical G

rowth Trend

STATISTICAL GROWTH TRENDYEAR 1961-2012

Total Receivables

Total Assets

196119701980199020002009201020112012

03.266.24

44.41159.42543.34632.84768.98870.68

MMMMM M M M

Net Surplus (1961-2012)

Am

ount

(Php

Mill

ion)

Net Surplus

196119701980199020002009201020112012

00.030.251.453.51

11.0322.6227.0429.54

MMMMM M M M

Loans Granted (1961-2012)

Am

ount

(Php

Mill

ion)

Loans Granted

196119701980199020002009201020112012

01.01 3.75 30.04

108.38311.19446.84601.84

596.2

MMMMM M M M

Share Capital (1961-2012)

Am

ount

(Php

Mill

ion)

Share Capital

196119701980199020002009201020112012

3800.322.61

18.0473.58156.7

199.98233.25

247

MMMMM M M M

196119701980199020002009201020112012

00.714.96

35.71116.19285.96404.14624.56643.78

MMMMM M M M

Savings Deposit

196119701980199020002009201020112012

00.44

2.720.1541.05

112.46119.73133.44148.95

MMMMM M M M

Time Deposit

REGULAR SINAG

1980199020002009201020112012

1.62.2

15.68210.13237.05247.3

205.7273.28135.3

MMMM M M M

Time Deposit (1961-2012)

Am

ount

(Php

Mill

ion)

Savings Deposit (1961-2012)

Am

ount

(Php

Mill

ion)

Total Receivables (1961-2012)

Am

ount

(Php

Mill

ion)

Membership Adult Special Regular

196119701980199020002009201020112012

000

468496856844835874

0494

4,9986,8866,6757,7017,8688,0218,135

281,6393,9816,6397,649

10,49713,17415,36715,899

Total Membership (1961-2012)

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122

Kas

apin

g N

amat

ayUlat Tungkol sa mga Kasaping Namatay at Benepisyong Natanggap

Para sa Labindalawang Buwan ng 2012(Enero 1 - Disyembre 31, 2012)

Account No. Pangalan ng Kasapi Petsa ngKamatayan

PlanongDamayan

Coop Loan Protection Plan

Natitirang Utang na sagot

ng Plano

Binayaran sa Benepisyaryo

21-0022204-0165701-0018101-0012503-0148205-0237206-0282316-0795514-0668910-0465716-0799209-0404321-1009906-0289011-0532405-0206306-0284926-1254337-1986903-0100207-0321008-0389005-0243114-0669529-1528620-0955909-0419331-1627802-0050409-0442809-0416512-0578401-0017005-0239309-0414902-0096614-0696611-0543805-0242517-0811004-0197542-2230130-1597202-0050306-0252213-0614612-0599406-0275120-0967334-18361

1.2.3.4.5.6.7.8.9.

10.11.12.13.14.15.16.17.18.19.20.21.22.23.24.25.26.27.28.29.30.31.32.33.34.35.36.37.38.39.40.41.42.43.44.45.46.47.48.49.50.

CONCHITA C. LLAMASMERCEDITA S. DE LEONHOMOBONO SANTIAGOMARIETTA P. ALLANIGUENORBERTO V. CLEOFASMELENCIA S. FAUSTINOCORAZON L. PEREZJOSE ANTONIO S. CRUZLOLITA V. BUNDALIANMANUEL D. DELA CRUZROMEO S. IMPERIAL, JR.AURORA C. SANTOSJESUS D. TUBANIACIRILO S. ALARCONMARIO C. PICONESJOSELITO P. LOZADAJESUS L. ROQUEROPROCESO G. BALAISLYDIA B. DE LEONCONCHITA S. OCAMPOLOLITA T. MENDOZAHELEN A. BAGUINONJACINTO T. CONCHECHOLITA M. AUSTRIACOAMELIA V. HULLANANORBERTO E. ESPALLARDOMARTA S. CORTEZCELESTINO E. NUEVONOEMI G. JOLINDONLUCIA G. ALZOLOMODESTO D. ALCANTARAANITA A. AMATORIOPRIMO PAULINOCONRADO W. DE LEONVALENTIN C. VALENZUELAELENA B. EUSEBIOLEONILA E. CAYABYABNICOLAS M. MIRANDAENCARNACION L. BERNARDOJAIME M. SABADOFELOMENA C. AMBAYDELIA L. DENOSTAEDWIN M. MOLATORITA S. GONZALESNICETAS B. BAUTISTAELMAR R. ELIGOYOCORNELIA G. AMORSOLOROGELIO L. ROMPEFAUSTA B. SALVADORANNA MARRY M. ROSS

01/01/201201/19/201201/21/201202/01/201202/02/201202/03/201202/05/201202/08/201202/08/201202/10/201201/23/201202/19/201202/18/201202/18/201202/20/201203/11/201203/08/201203/16/201203/18/201203/26/201203/30/201204/02/201204/06/201204/08/201204/03/201204/05/201204/09/201203/20/201204/13/201204/22/201204/26/201205/10/201105/08/201204/22/201205/12/201205/17/201205/22/201205/17/201205/24/201205/14/201206/16/201207/02/201206/29/201207/04/201207/06/201207/23/201207/10/201207/28/201207/29/201207/29/2012

48,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.00

terminated48,000.00

NE48,000.0048,000.0048,000.0048,000.0048,000.00

NE48,000.0048,000.00

NE48,000.0048,000.0048,000.00

NE48,000.00

NE48,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.00

NE48,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.00

NE

51,749.53

120,168.98

12,027.7227,499.44

103,751.29

3,500.00

39,711.90

13,997.91

23,022.4481,481.99

124,273.0431,383.3883,475.00221,666.39

6,001.73190,666.6612,376.5026,250.02

35,431.58

19,762.29

2,707.31

3,562.86

3,667.54

4,902.73

2,998.27

1,280.00

501.66

Page 123: Mga Nilalaman - sandionisiocredit.coop · • Pagbubukas ng mga bagong lugar bilang bahagi ng “sphere of operation” ng SDCC. Ang mga ito ay ang Ang mga ito ay ang Bgy Tambo Paranaque

123

Certified true and correct by:

Cielito L. Garrido, MBAChief Exective Officer

08-0370003-0141027-1363403-0105705-0222312-0586728-1403907-0345103-0146136-1927816-0764527-1333619-0905143-2298939-2078709-0410602-0069402-0083832-1651805-0218102-0054425-1231236-1915001-0037439-2087237-1979130-1579911-0531518-0898333-1708727-1332116-0763410-0452201-0024302-0063918-0891128-1492932-16538

51.52.53.54.55.56.57.58.59.60.61.62.63.64.65.66.67.68.69.70.71.72.73.74.75.76.77.78.79.80.81.82.83.84.85.86.87.88.

VIRGILIO M. CANTORNAZENAIDA S. RODRIGUEZMA. SOCORRO V. FAUSTOANTONIO C. PATAWARANTEOFISTA T. UCHITERESITA S. TUAYAANTONINA P. SANTOSFLORENTINO E. DE LEONIRENEO D. NARCISOJUDITH O. HERMOSAANNABELLE A. DORMEINDOARTEMIO P. LAGASCACELSO S. MADRID, SR.CECILIO N. CABALLEROALICIA C. SOLISBIENVENIDO M. LEONARDONATIVIDAD V. ALARCONROSARIO R. DE LEONBETTY S. ARIZOBALPEDRO C. MANGUBAROSALINA C. AGUILARROGELIO C. ESPIRITUARISTIDES K. PATRICIOLEONILA S. BERNALDEZAUGUSTO D. BALINGAOROSITA B. VIRAYMARIA ALMA M. TUBERABENJAMIN P. CORTEZDANY HUTCHEONMA.GEMMA D. MARQUEZANGELITO E. ANZALDOMYRNA N. ORETAESTELITA B. GEALOGOANTONIO C. DANDANBENJAMIN R. RIEGO DE DIOSROSARIO T. DUMALAONJOSE D. BONDAJECECILLE V. JUSON

08/01/201208/04/201208/07/201208/11/201208/11/201208/11/201208/14/201208/20/201208/26/201209/06/201209/18/201207/21/201209/18/201209/23/201209/27/201209/02/201210/03/201210/07/201210/17/201210/17/201210/19/201210/21/201210/07/201210/22/201210/30/201210/30/201210/31/201211/01/201211/04/201211/11/201211/17/201211/21/201211/21/201212/09/201212/08/201212/19/201212/25/201212/25/2012

48,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.0048,000.00

NE48,000.00

NE48,000.0048,000.0048,000.0048,000.0048,000.00unclaimed

NE48,000.0048,000.0048,000.00

NE48,000.00

NE48,000.0048,000.0048,000.0048,000.0048,000.0048,000.00

NE48,000.0048,000.0048,000.0048,000.00

NE48,000.00

80,305.62238,778.5390,750.00

73,333.3465,915.05

141,666.66

39,067.97

150,000.0075,111.10

34,638.92

75,189.9859,305.6731,208.30

98,333.28

13,428.202,681.94

82,152.68

4,381.81

4,446.13835.96

3,950.00

3,453.002,110.762,689.83

Kasaping N

amatay

3,456,000.00TOTAL 2,560,302.74 61,250.15

1. NE - Not Enrolled2. Ang Coop Loan Protection Plan ay panagot sa balanse ng utang ng kasaping namatay na hindi delingkwente sa kanilang

pagbabayad at bahagi ng utang na nabayaran ng kasapi at binigay sa benepisyaryo.3. Bilang ng mga kasaping naka enroll sa Bagong Planong Damayan:

Plan 500 6051Plan 5000 ( lifetime ) 2198Kabuuan 8249

Prepared by:

Elenita C. SanchezAccountant

* Note:

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124

SD

CC

Officers

12

3

4

67

513

1211

108

9

1. Garibaldi O

. Leonardo, Ph.D.

2. Dam

aso L. Cruz, Jr.

3. Marjorie P. A

blaza 4. G

lenn C. C

ruz 5. Elvira S. D

andan 6. M

aria Nelia Rafaela G

. De Leon

7. Alm

a S. Ferreros

8. Herm

inio C. H

ernandez9. Rafaela T. Escuadro, C

PA

10. Felipe L. Perida, Jr. 11. N

onila S. Santos 12. Josephine C

. Herrera, C

PA

13. Cielito L. G

arrido, MBA

- Chairperson

- Vice-C

hairperson- D

irector - D

irector - D

irector - D

irector - D

irector

- Director

- Director (resigned effective M

ay 10, 2012)- D

irector (appointed June 7, 2012)- Board Secretary - Treasurer - Chief Executive O

fficer &

Ex-Offi

cio Director

BOA

RD O

F DIRECTO

RS

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125

AUDIT COMMITTEE1. Jerrilynn L. Pilar, DPA 2. Teresita S. Pascua 3. Julieta F. Atienza

- Chairperson - Secretary - Member

CREDIT COMMITTEE 1. Rosalina G. Sapungan 2. Zenaida A. Alcantara, CPA 3. Josephine B. Balana 4. Rolando B. De Leon

- Chairperson - Secretary - Member - Member

1

3 2

1

3

2

4

SD

CC

Officers

ELECTION COMMITTEE 1. Virginia B. Santos2. Bernardita A. Fernandez3. Evelyn E. Mago4. Fernando S. Cortez

- Chairperson - Secretary - Member (resigned Sept. 20, 2012) - Member (appointed October 18, 2012)

MEDIATION AND CONCILIATION COMMITTEE 1. Merla G. Calma 2. Reynaldo H. Vizcarra3. Lorna S. Pinpin4. Laura D. Notarte

- Chairperson - Secretary - Member (appointed July 19, 2012) - Ex-Officio Member

1

4

1

42

2

33

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126

SD

CC

Offi

cers

12

4

5 68

3

7

PAMUNUAN NG KAPULUNGAN NG MGA POOK-TULUNGAN LIDER (PKPTL) 1. Renato G. Dela Cruz2. Marilou C. Ferrer3. Julita M. Carpio4. Erlinda F. Borromeo

5. Clarita R. Quiogue6. Mary Jane D. Macapugas7. Vilma R. Cruz8. Salvador V. Cuadrato

- Chairperson - Vice-Chairperson - Secretary - Treasurer

- Auditor - Education & Information Officer - Educ. & Info. Officer (resigned Jan. 19, 2012) - Sgt. At Arms (appointed June 7, 2012)

1

4

2 3

5

ETHICS COMMITTEE1. Cesar P. Ramirez2. Ma. Evelyn R. Garcia3. Regina T. Orcullo

- Chairperson (on-leave) - Secretary - Member

EDUCATION AND TRAININGCOMMITTEE (EDCOM) 1. Normandy G. Jose2. Nonila S. Santos3. Helen M. Jayalin 4. Evelyn R. Luching5. Carmelita C. Sabino

- Chairperson - Vice-Chairperson - Secretary- Member- Member

12

3

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127

32

6

789

10

11

12 5

4

EXECUTIVE COMMITTEE1. Engr. Raymond Joseph L. Salvador2. Garibaldi O. Leonardo, Ph.D.3. Alex B. Guiwan4. Damaso L. Cruz, Jr. 5. Zenaida A. Alcantara, CPA

- Chairperson - Honorary Chairperson - Vice-Chairperson - Honorary Vice-Chairperson - Member

6. Marilyn J. Estrella7. Arch. Alfredo S. San Miguel8. Enrico S.B. Capistrano9. Cielito L. Garrido, MBA

- Member - Member- Honorary Member - Secretary

12

45

69

38

7

ADVISORY COUNCIL 1. Dr. Arsenio G. Santiago2. Enrico S.B. Capistrano3. Asuncion L. Pascual 4. Angelita P. Gabriel5. Dr. Efrain E. Abracia6. Andres G. Buenaventura7. Lucila A. Cruz, Ph.D.

- Honorary Chairperson - Chairperson - Vice-Chairperson - Secretary - Member - Member - Member

8. Perseverando L. Cruz9. Antonio S. Lansangan10. Carmelita C. Sabino11. Gregorio D. Ygnacio, Jr.12. Ismael M. Allanigue

- Member - Member - Member - Member - Ex-Officio Member

1

SD

CC

Officers

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128

EDSD BOARD OF DIRECTORS (2012-2013)1. Carmelita C. Sabino2. Herminio C. Hernandez3. Evelyn R. Luching4. Perseverando Cruz5. Asuncion L. Pascual6. Lina H. Perez

7. Josephine P. Sager 8. Zenaida A. Alcantara, CPA9. Helen M. Jayalin10. Alicia L. De Leon11. Evelyn A. Trinidad

- Chairperson- Vice-Chairperson- Director/President/CEO- Director- Director- Director

- Director- Director/Treasurer- Director/Corporate Secretary- Principal- Comptroller

23

4

56 7

8

9

1

10 11

14

2

3

5 6 CONSULTANTS1. Roland T. Abiog2. Engr. Alfredo Bugayong

3. Leah R. Gomez4. Atty. Melanie O. Guevarra5. Mila P. Mendoza, Ph.D.

6. Arch. Alfredo S. San Miguel

- MIS Consultant- Project Manager SDCC Housing

Project 3- HR/OD Consultant- Legal Counsel- Organization Dev’t. (O.D.) Consultant- Designer

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129

Garibaldi O. Leonardo, Ph.D.Damaso L. Cruz, Jr.Marjorie P. AblazaGlenn C. CruzElvira S. DandanMaria Nelia Rafaela G. De LeonAlma S. FerrerosHerminio C. HernandezRafaela T. Escuadro, CPAFelipe L. Perida, Jr.Nonila S. SantosJosephine C. Herrera, CPACielito L. Garrido, MBA

Garibaldi O. Leonardo, Ph.D.Engr. Raymond Joseph L. SalvadorDamaso L. Cruz, Jr. Alex B. Guiwan Enrico SB. CapistranoZenaida A. Alcantara, CPAMarilyn J. EstrellaArch. Alfredo S. San MiguelCielito L. Garrido, MBAEsmeralda D. Cortezo

Renato G. Dela Cruz

Marilou C. Ferrer

Julita M. Carpio

Erlinda F. Borromeo

Clarita R. Quiogue

Mary Jane D. Macapugas

Vilma R. Cruz

Salvador V. Cuadrato

Elena E. Ferrer

Normandy G. Jose

Nonila S. Santos

Helen M. Jayalin

Evelyn R. Luching

Carmelita C. Sabino

Garibaldi O. Leonardo, Ph.D.

Cielito L. Garrido, MBA

Teresita S. Pascua

Marites M. Sanchez

Orlando F. Fabian, Jr.

Dr. Arsenio G. SantiagoEnrico S.B. CapistranoAsuncion L. Pascual Angelita P. GabrielDr. Efrain E. AbraciaAndres G. BuenaventuraLucila A. Cruz, Ph.D.Perseverando L. CruzAntonio S. LansanganCarmelita C. SabinoGregorio D. Ygnacio, Jr.Ismael M. AllanigueJerrilynn L. Pilar, DPAMarites M. Sanchez

Jerrilynn L. Pilar, DPA Teresita S. PascuaJulieta F. Atienza

Rosalina G. SapunganZenaida A. Alcantara, CPAJosephine B. Balana Rolando B. De Leon

Virginia B. SantosBernardita A. FernandezEvelyn E. MagoFernando S. CortezJoanna I. EsperanzaEvangeline Suyat

Merla G. Calma Reynaldo H. VizcarraLorna S. PinpinLaura D. NotarteMaricel M. Rañola

Cesar P. RamirezMa. Evelyn R. GarciaRegina T. OrculloJulieta F. AtienzaMaricel M. Rañola

Chairperson Vice-Chairperson Director Director Director Director Director Director Director (resigned effective May 10, 2012) Director (appointed June 7, 2012)

Board Secretary Treasurer Chief Executive Officer &Ex-Officio Director

Honorary Chairperson Chairperson Honorary Vice-Chairperson Vice-Chairperson Honorary Member Member Member Member Secretary Recording Secretary

Chairperson

Vice-Chairperson

Secretary

Treasurer

Auditor

Education & Information Officer

Educ. & Info. Officer (resigned Jan. 19, 2012)

Sgt. At Arms (appointed June 7, 2012)

Recording Secretary

Chairperson

Vice-Chairperson

Secretary

Member

Member

Ex-Officio Member

Ex-Officio Member/CEO

Audit Committee Representative

Technical Staff

Recording Secretary

Honorary Chairperson Chairperson Vice-Chairperson Secretary Member Member Member Member Member Member Member Ex-Officio Member Audit Committee RepresentativeTechnical Staff

Chairperson Secretary Member

Chairperson Secretary Member Member

Chairperson Secretary Member (resigned Sept. 20, 2012) Member (appointed October 18, 2012) Technical Staff Comelec Staff

Chairperson Secretary Member (appointed July 19, 2012) Ex-Officio Member Recording Secretary

Chairperson (on leave)

Secretary Member Audit Committee Representative Recording Secretary

Constitutional B

odies (20

12-2

013

)BOARD OF DIRECTORS

EXECUTIVE COMMITTEE

PAMUNUAN NG KAPULUNGAN NG MGAPOOK-TULUNGAN LIDER (PKPTL)

EDUCATION AND TRAINING COMMITTEE (EDCOM)

ADVISORY COUNCIL

AUDIT COMMITTEE

CREDIT COMMITTEE

ELECTION COMMITTEE

MEDIATION AND CONCILIATION COMMITTEE

ETHICS COMMITTEE

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130

Non

-Con

stitu

tiona

l Bod

ies (

20

12-2

013

)

Carmelita C. SabinoHerminio C. HernandezEvelyn R. LuchingPerseverando L. CruzAsuncion L. PascualLina H. PerezJosephine P. Sager Zenaida A. Alcantara, CPAHelen M. JayalinAlicia L. De LeonEvelyn A. Trinidad

Apolonio M. Mendoza, Jr. Evangeline O. ReañoCamela Q. Chan Marilou C. FerrerNenita I. JoseEvelyn A. MabagAnnaliza A. MacababbadEngr. Alfredo S. Bugayong Glenn C. Cruz Victorino A. MacobGaribaldi O. Leonardo, Ph.D.Cielito L. Garrido, MBA Julieta F. AtienzaGregorio D. Ygnacio, Jr.Ismael M. AllanigueLucila A. Cruz, Ph.D.Noli S. SalvadorJoanna I. Esperanza

Evelyn R. Luching Adelaida L. De JesusRenato G. Dela CruzMaria Corazon B. PilapilLeonila V. GonzagaNieves T. ManicioLuisito D. SantosDamaso L. Cruz, Jr.Alma S. FerrerosHerminio C. HernandezGaribaldi O. Leonardo, Ph.D.Cielito L. Garrido, MBA

Jerrilynn L. Pilar, DPAEnrico SB. CapistranoNoli S. SalvadorMarites M. SanchezElena E. Ferrer

Josephine B. BalanaDanilo N. Pilar, Ph.D.Engr. Raymond Joseph L. SalvadorWilliam J. Chua Arleen R. Zuluaga Elvira S. DandanFelipe L. Perida, Jr.Garibaldi O. Leonardo, Ph.D.Cielito L. Garrido, MBA

Julieta F. AtienzaAndres G. Buenaventura Antonio S. Lansangan Joanna I. EsperanzaMaricel M. Rañola

Josephine C. Herrera, CPARosalina G. SapunganIsabel M. ZaraZenaida A. Alcantara, CPARolando B. De LeonMaricel S. SabadoGaribaldi O. Leonardo, Ph.D.Marjorie P. Ablaza Maria Nelia Rafaela G. De Leon Cielito L. Garrido, MBA

Teresita S. Pascua Perseverando L. CruzGregorio D. Ygnacio, Jr.Vivian D. AlcantaraEsmeralda D. Cortezo

ChairpersonVice-ChairpersonDirector/President/CEODirectorDirectorDirectorDirectorDirector/TreasurerDirector/Corporate SecretaryPrincipalComptroller

ChairpersonCo-ChairpersonMember Member Member Member Member Project Engineer Director ShepherdEx-Officio MemberEx-Officio MemberChief Executive Officer & Ex-Officio MemberAudit Committee Representative Advisory Council RepresentativeAdvisory Council RepresentativeAdvisory Council RepresentativeTechnical StaffRecording Secretary

Elvira S. DandanDamaso L. Cruz, Jr.Herminio C. HernandezEnrico S.B. CapistranoEfrain E. Abracia, Ph.D.Garibaldi O. Leonardo, Ph.D.Loida M. LopezAtty. Melanie O. Guevarra Henry R. LeonardoCielito L. Garrido, MBA

Michael M. Llamas

Chairperson Vice-Chairperson Member Member Member Member Member Adviser/Legal Counsel Ex-Officio Member Chief Executive Officer & Ex-Officio Member Recording Secretary

Garibaldi O. Leonardo, Ph.D.Damaso L. Cruz, Jr.Maria Nelia Rafaela G. De Leon Rafaela T. EscuadroJosephine C. Herrera, CPAHerminio C. HernandezEvelyn R. Luching Jerrilynn L. Pilar, DPA Teresita S. Pascua Cielito L. Garrido, MBA

Gemma C. San Miguel

Chairperson Vice-Chairperson Member Member Member Member Member Member Audit Committee Representative Chief Executive Officer & Ex-Officio MemberRecording Secretary

ChairpersonCo-Chairperson (on leave)Co-ChairpersonMemberMemberMemberMemberDirector ShepherdDirector ShepherdDirector ShepherdEx-Officio MemberChief Executive Officer & Ex-Officio Member Audit Committee RepresentativeAdvisory Council RepresentativeTechnical StaffTechnical StaffRecording Secretary

ChairpersonCo-ChairpersonMemberMemberMember Director ShepherdDirector ShepherdEx-Officio MemberChief Executive Officer & Ex-Officio Member Audit Committee RepresentativeAdvisory Council RepresentativeAdvisory Council Representative Technical Staff Recording Secretary

ChairpersonCo-ChairpersonCo-ChairpersonMemberMemberMemberDirector ShepherdDirector ShepherdDirector ShepherdChief Executive Officer & Ex-Officio Member Audit Committee RepresentativeAdvisory Council RepresentativeAdvisory Council RepresentativeTechnical Staff Recording Secretary

EDSD BOARD OF DIRECTORS (2012-2013) COMMITTEE ON SOCIAL SERVICES (CSS)

AMENDMENTS COMMITTEE

RETIREMENT COMMITTEE

COMMITTEE ON ORGANIZATIONAL STRENGTH (COS)

COMMITTEE ON BUSINESS DEVELOPMENT (CBD)

COMMITTEE ON FINANCIAL STABILITY (CFS)

Danilo N. Pilar, Ph.D.

Zenaida A. Alcantara, CPA

Engr. Raymond Joseph L. Salvador

Rosalina G. Sapungan

Cielito L. Garrido, MBA

Glenn C. Cruz

Garibaldi O. Leonardo, Ph.D.

Maricris D. Bautista

Esmeralda D. Cortezo

Chairperson

Member

Member

Member

Member/CEO

Shepherd Director

Ex-Officio Member

Technical Staff

Recording Secretary

RISK MANAGEMENT COMMITTEE

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131

Non-C

onstitutional Bodies (2

012

-20

13)

Apolonio M. Mendoza, Jr.Damaso L. Cruz, Jr.Nelson D. Yeban, Jr.Zenaida A. Alcantara, CPAJosephine B. BalanaRolando B. De LeonFelipe L. Perida, Jr.Engr. Raymond Joseph L. SalvadorRosalina G. SapunganGregorio D. Ygnacio, Jr.Cielito L. Garrido, MBAEvangeline G. MagdaraogNoli S. SalvadorMarites M. SanchezNelson V. UnionGaribaldi O. Leonardo. Ph.D.Teresita S. PascuaJoanna D. Cuadrato

Apolonio M. Mendoza, Jr.Andres G. BuenaventuraLucila A. Cruz, Ph.D.Evangeline G. Magdaraog

Engr. Raymond Joseph L. SalvadorZenaida A. Alcantara, CPAReachard James J. De LeonFelipe L. Perida, Jr.Cielito L. Garrido, MBAGaribaldi O. Leonardo, Ph.D.Teresita S. PascuaJerrilynn L. Pilar, DPA Emmy R. SalvadorNelson D. Yeban, Jr.Maricel M. Rañola

Engr. Raymond Joseph L. SalvadorDamaso L. Cruz, Jr.Renato G. Dela CruzHerminio C. HernandezGaribaldi O. Leonardo, Ph.D.Evelyn R. Luching Gregorio D. Ygnacio, Jr.Elvira S. DandanTeresita S. Pascua Cielito L. Garrido, MBA

Gemma C. San Miguel

Chairperson Project Manager Project Manager Member Member Member Member Member Member Member Member Member Member Member Member Ex-Officio Member Audit Committee Representative Recording Secretary

ChairpersonSecretaryMemberTechnical Staff

ChairpersonMemberMemberDirector ShepherdEx-Officio Member / CEOEx-Officio MemberAudit Committee RepresentativeAudit Committee RepresentativeTechnical StaffTechnical StaffRecording Secretary

Chairperson Member Member Member Member Member Member Ex-officio MemberAudit Committee RepresentativeChief Executive Officer / Ex-Officio Member Recording Secretary

TASK FORCE MORNING

SEARCH AND SELECTION COMMITTEE FOR EDSD

ADHOC COMMITTEE ON MIS

ADHOC COMMITTEE ON PERSONNEL

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132

ED

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icio

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133

Kaw

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row

(le

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M. S

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. Sal

vad

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. Sal

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auti

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son

D. Y

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, Jr.

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ght)

Dia

na R

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anto

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a. F

ranc

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row

(le

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naly

n G

emai

ne M

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son

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s Bi

en S

. Aus

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Jose

lito

M. L

opez

Raf

ael P

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hard

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row

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Ron

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C. C

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Jan

Mic

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unda

ngan

Roq

ue T

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cad

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SECURITY GUARDS1. Robin R. Mamburan2. Jose B. Condino, Jr.3. Eduardo B. Togle, Jr.4. Robert N. Velasco

1. Andrew S. Arriesgado2. Carlos B. Aguila, Jr.3. Ruel C. Alcayde4. Sherwin V. Barola5. Grace D. Estallo6. Krizza Z. Guadamor7. Jeffrey C. Macabuag8. Lory Anne Y. Santos

RESIGNED/END OF CONTRACT EMPLOYEES

Associate Account Officer (end of contract - April 1, 2012)Community Program & Services Officer 1 (resigned - May 15, 2012)Field Collector (terminated - July 15, 2012)System Analyst (resigned - October 29, 2012)Account Management Clerk (end of contract - February 28, 2012) Coop Assurance Clerk (end of contract - March 9, 2012)Comelec Clerk (end of contract - October 26, 2012)Bookkeeper/Acctg. Clerk (end of contract - February 28, 2012)

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