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MUTUAL SAVINGS & CREDIT COOPERATIVE OF THE PHILS.

MUTUAL SAVINGS & CREDIT COOPERATIVE OF THE PHILS. 13 TH GENERAL ASSEMBLY March 28, 2015 SM Mall Bacoor. AGENDA. Elected Officer’s Report Election of Members of the Board of Directors Amended Articles of Cooperation & By-laws Policies on conflict Manual of Operations the Loan Guidelines

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MUTUAL SAVINGS & CREDIT COOPERATIVE OF THE PHILS.

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  1. MUTUAL SAVINGS & CREDIT COOPERATIVE OF THE PHILS. 13TH GENERAL ASSEMBLY March 28, 2015 SM Mall Bacoor

  2. AGENDA • Elected Officer’s Report • Election of Members of the Board of Directors • Amended Articles of Cooperation & By-laws • Policies on conflict • Manual of Operations the Loan Guidelines • Feed back on the last Budget presented during the last GA • HR Report on personnel development • Acceptance of External Auditor • Operating Report • Financial Report 2014 • Annual Plan & Budget 3 and 5 years • Results of the Election • Open Forum MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  3. ELECTED OFFICERS REPORTS MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  4. Elected Officer’s Report • Board of Directors • Election of the set of 7 BOD officers on January 29, 2014 and confirmation of the set during the GA 2014 • 14 BOD Regular and Special Meetings in 2014 • 15 Board Resolutions approved and adopt • Participate in different trainings and seminars organized and conducted by CDA & CBCDC • GA meeting last May 17, 2014 at Tejero Convention Center, Rosario Cavite MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  5. CONT. • Audit Committee report • Election of 3 officerson January 29, 2014 and GA acceptance on May 17, 2014 • 3 Meetings on June, September and October 2014 • Aug. 13 – 15 – Internal Control Training - Trece 3. Other committees report • Election or Appointment of Elected officers on January29, 2014 for the 4 other Committees: Credit, Education, Ethics, Mediation and Conciliation. • 12 Regular Meetings • July 24, 2014 Coop Leaders Forum – Lyceum University Dasma • Sept. 27, 2014 Civic Parade (Bacood Festival) – Molino Cavite • Oct. 03, 2014 Coop month Celebration - Trece • Oct. 22, 2014 Bacoor Summit at Springville • Oct. 27, 2014 – Lakbay Aral at Batangas City MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  6. ELECTION OF MEMBERS OF THE BOD MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  7. Candidates BOARD OF DIRECTORS MELISSA SASOT NELIA INOCENTES MARILYN ROSAL RITCHIE CLAVEL MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  8. AMENDED ARTICLES OF COOPERATION AND BY-LAWS MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  9. Need G.A. approval on the following matters: • Amended Articles of Cooperation & By-laws: • Article II – Membership Section 6. Minimum Share Capital Subscription. An applicant for membership shall subscribe at least ten (10) common shares and pay the value of at least five (5) common share upon approval of his/her membership. However, no member shall own or hold more than ten per centum (10%) of the total subscribed share capital of the cooperative. The Board of Directors shall issue membership certificate and subscription agreement with such terms and conditions as may be deemed equitable. MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  10. Need G.A. approval on the following matters: • Amended Articles of Cooperation & By-laws: • Article V – Committees Section 13. Gender and Development (GAD) Committees. A Gender and Development Committee is hereby created and shall be composed of three (3) members to be appointed by the Board of Directors. Provided that at least one member shall came from the Board. The committee shall elect from among themselves a Chairperson. The Committee shall hold office until replaced by the Board. A GAD focal person (GFP) shall be designated by the Board from the recommendee(s) of the management. He or she must be an employee of the cooperative and shall perform GFP roles as additional function. MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  11. Need G.A. approval on the following matters: • Amended Articles of Cooperation & By-laws: ARTICLE V – Committees - Section 14. Functions and Responsibilities. • GAD Committees shall:  • Conducts gender analysis • Develops and recommends GAD and GE policies and programs/ activities/projects to the Board. • Monitor and assesses progress in the implementation of GAD programs/activities/projects towards achieving GE. • Submits report to the Board. • Provides directional guidance • GAD Focal Person shall: •  Coordinates and reviews implementation of GAD programs/activities/projects based on approved plans and budget. • Prepares performance reports and recommends policy improvements to the GAD Committee. • Gathers and analyzes gender-related information and other data. • Provides administrative services to the GAD committee. MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  12. POLICIES ON CONFLICTS MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  13. Need G.A. approval on the following matters: Goal: To Establish the rules and the internal procedures about different kinds of conflicts who may arise in a Cooperative. 1- Policy on Conflict of management 2- Policy on Conflicts between officers and/or members 3- Policy on Conflicts between officers/members and Employee MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  14. MANUAL OF OPERATION AND LOAN GUIDELINES MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  15. Need G.A. approval on the following matters: Goal: Regularly update the internal procedures regarding the operations - last Approval: May 17, 2014 Important Points: 1- Manual of Operation: - New procedure: Bills Payment (procedure confirmed by BOD on August 2014). - Wording: “Satellite Office” instead of “Branch” and “Head Office” instead of “federation” 2- Loan Guidelines - New Product: OFW Loans, Motorcycle Loans, Corporate Employees loans - Delegation to Satellite Officers to decide about some Regular Loans under the control of the Credit Committee officers and the management. MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  16. FEED BACK ON THE ANNUAL PLAN PRESENTED DURING THE LAST GA MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  17. FEED BACK OF ANNUAL PLAN • Merging of Offices: • End January 2014 : Talaba Zapote • End April 2014 : Rosario Noveleta and Tanza • End May 2014 : General Trias Tanza • Mid June 2014 : Cavite Noveleta • Opening of Satellite Offices: • End July 2014: Dasmarinas • Beginning October 2014: Alabang

  18. HR REPORT ON PERSONNEL DEVELOPMENT MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  19. HR REPORT - Number of employees as per January 1 2014 : 36 (11 offices) - Number of employees as per December 31 2014: 32 ( 9 offices) - Number of new employees hired in 2014 (from the 32): 8 - Number of employees promoted in 2014 : 6 - Number of OJT trained in 2014 : 39 MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  20. EXTERNAL AUDITORS MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  21. Need G.A. approval on the following matters: Assignment of the External Auditors for the statement of accounts for the years 2015, 2016 and 2017: Jose Corcuera and co, Cpa Tanza Qualifications: - has already review our statements for 2013 and 2014 - External Auditors accredited by CDA. MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  22. OPERATING REPORT MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  23. Operation Budget 2014 • Total Resources: 25 000 000 P • Total Loan outstanding: 15 000 000 P • Total Par 3 000 000 P • Total membership 10 841 MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  24. Operation Results 2014 • Total Resources: 26 932 806 P (107% of the target) • Total Loan outstanding: 14 628 625 P (98% of the target) • Total Par 2 498 971 P ( 83% of the target) • Total membership 8 384 (77% of the target) MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  25. FINANCIAL REPORT 2014 MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  26. Incomes and expenses • Incomes : 5 102 736 P (fees 1 845 480 P) • Operational Expenses : 15 329 039 P • Net Income from Operation : - 10 226 302 P • Other exceptional costs : - 1 193 515 P • Net Loss : - 11 419 809 P • Transfer from our partner CICM: + 14 013 835 P MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  27. ANNUAL PLAN & BUDGET 3 AND 5 YEARS MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  28. Annual Plan and Budget 3 and 5 years

  29. RESULTS OF THE ELECTION MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  30. OPEN FORUM MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

  31. Thank You MSCCP 13TH GENERAL ASSEMBLY March 28, 2015

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