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Consumer Tips

 Organizing A Cooperative

       Cooperative organizing entails a lot of responsibilities since it demands commitment and determination on the part of the initiators of the consumer group. From the needs analysis, formation of the responsible core groups, and up to the identification of the kind of cooperative the group wants to establish, organizing requires the utmost attention of the core group. Meanwhile, below are the general steps in cooperative formation which will serve as your springboard in coming up with one:

  1. Get organized! The group must have at least fifteen (15) members of legal age and who are citizens of the Philippines.
  2. Prepare an economic survey. It is a general statement describing the structure, purpose/s or objective/s of the cooperative, economic feasibility of the proposed cooperative (income and expenses estimates of the cooperative), area of operation, size of membership of the cooperative, etc.
  3. Draft the by laws of the cooperative. By laws are the set of rules that defines and determines how a cooperative is to be run. Such also contains the rules and regulations governing the cooperative.
  4. Draft the articles of cooperative. It should be notarized and contain most of all the following information:
    • name of cooperative which shall include the word "cooperative";
    • purpose/s and scope of business;
    • term of existence of the cooperative;
    • area of operation and the postal address of the main office;
    • names, nationality and addresses of the registrants;
    • common bond of membership;
    • list of names of the directors who shall manage the cooperative; and
    • amount of share capital, the names and residence of the cooperative contributors.

 

MOST WANTED: FUNDING RESOURCES

       Making an organization growing and going is not an easy task. In a third world country like ours where basic needs are the primary concern of each and every citizen, keeping an organization alive and kicking is the most difficult thing a consumer leader must do.

        One of the most common problems of an organization is lack of funding resources. It would be a good idea for your group to organize a cooperative within your organization to help your group moving. A cooperative can be a good source of loans at law interest rates instead of borrowing from lenders and usurers on a 5/6 basis. Here are some of the factors to be considered before forming a cooperative.

  1. Determine the problems and needs that your group wants to be resolved and to be provided for through a cooperative. Such will also help the group classify the kind of a cooperative the group will be organizing.
  2. Identify dedicated members who will form the core group of the cooperative. The core group will be responsible for all the organizational and paper works needed.
  3. Determine the kind of cooperative your group wants to establish.
    • credit cooperative - creates funds for productive and provident purposes
    • consumer cooperative - aims to procure and distribute commodities to members and non-members
    • producers cooperative - undertakes joint production
    • marketing cooperative - engages in the supply of the production inputs to members and markets their products
    • service cooperative - engages in medical and dental care, hospitalization, transportation, insurance, housing , labor, electric light and power, communication and other services
    • multi-purpose - combines two or more of the business of the different types of cooperatives

 

SAVE MOTHER EARTH!!!

        The El Niño phenomenon which is being experienced globally is a result of an environmental degradation. Whether we admit it or not, each and every consumer contributed to such environment decline and unsustainable pattern of consumption and production.

        Take for example, a single candy wrapper we litter, once joined with other candy wrappers will form into a big pile of garbage. To get rid of this problem and for us to be able to help mother nature recover from the great ecological imbalance she is suffering, every consumer should exercise sustainable consumption - that is, "fulfilling the basic human needs without undermining the capacity of the environment to fulfill the needs of present and future generations". It is imperative for us consumers to do our share for environmental protection before it's too late!

COMMON CONSUMER PRACTICES
WHAT AN ENVIRONMENTALLY AWARE/CONCERNED CONSUMER SHOULD DO
  • prefers / uses disposable cups over coffee cups
  • bring a coffee cup instead of using disposable cups
  • at the office, keeps on using clean papers for his drafts
  • reuse back of printed paper for drafting letters, memo, etc.
  • uses air fresheners to get rid of "unwanted odors"
  • use herbal mixtures or vinegar and lemon juice

 


   
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