Module 1 Man as a Social Being, Cooperation as a Thought

Lesson1 : Stages of Societal development and Early forms of

Cooperative
Self-Test (pg 12)
1. Explain why human beings are Social-beings

Humans are highly social beings. We like to be surrounded by friends and

share our personal experiences with others. The recent appearance of various
social networking tools, and their adoption at a virtually explosive rate, nicely
illustrate the strong and fundamental human desire for social belonging and
interpersonal exchange.
2.
Primitive Communal System

Features: People worked together as co-equals, gave each protection,

consumed among themselves the fruits of their shared labor
Form of Cooperation: Kibbutz
Slave Society

Features: life was much more miserable and merciless, everything you
produced belongs to your master, worked hard yet your life doesnt improve,
improved methods in farming and animal raising
Form of Cooperation: Class
Feudal Society

Features: agri as main system of production, ownership of large tracts of

agri lands, further advancements in handicrafts, emergence of new social division
Form of Cooperation: Guilds
 Module 1 Man as a Social Being, Cooperation as a Thought
Lesson 2 : The Industrial Revolution, Capitalism and Cooperative as
alternative System
Self-test (pg 18)
1.a How capitalism as an economic system began

The system as we know it today could only come into existence because
at some point a capitalist class emerged that did directly control production, thus
factory systems spread and led to the full development of capitalism.

1.b The problems caused by the profit-seeking factory system and the way
people reacted to those problems

Problems Caused: child and women was a common subject to practice to

working, high incidence of poverty, accidents and illiteracy, pollutions and high
prices, adulteration of commodities and congestions were rampant

Peoples reaction: problems caused led to the emergence of many social

thinkers and theories as well as varied forms of collective actions aimed at
changing the problematic situation. They searched for a better ways and
practical solutions to the problems.

a. Robert Owen concept of Cooperative

Owens idealism showed in his vision of a new world and his concept of
cooperative WANTS AND GUILTS which he assert that these problems can be
avoided by forming associations based on common economic interests and by
bringing the right intellectual influences to bear on the worker from childhood.
b. Charles Fourier concept of Cooperative

Thru cooperative, Fourier believed that much of social waste could be

avoided. He proposed the formation of phalanxes wherein working classes shall
have commonly-owned apartment houses, factories, farms, pharmacies and all
other needs in order to build a community of equal.
c. Raiffeisen concept of Cooperative

Self-developed Credit cooperative founded on the principle of self-help,

self-responsibility and self-administration. Raiffeisen believed that by removing
pressures of poverty, mans character will be improved thereby making him more
trustworthy.
 Module 2 Cooperation as a Socio-Economic Movement
Lesson 1 : The Early Cooperative Movement
Self-test (pg. 26)

1. Cite five examples of the changes in the lives of the people in Owens New
Lanark coop colony

1. Factories, schools and recreational facilities were built

2. Free education, better food and living condition
3. Learning was made pleasure for the infants, children and adults.
4. There were no punishment and use of force.
5. Community inhabitants were mild mannered and diligent to work.

2. Why was Owens cooperative difficult for other people to copy or replicate?

Because it involves a huge financing that is almost impossible for poor

workers to fund with their own means.

3. Briefly describe the first wave cooperative in the United Kingdom

Owenite utopian cooperative and hundreds of small informal coops

formed including Rochdale society were referred to as the Wave of Cooperative.
They were important in shaping the economic and social dimensions of
cooperativism. They provide the basis by which the concept and operating
details would be charted by the cooperative after them.

Module 2 Cooperation as a Socio-Economic Movement

 Lesson 2 : The Rochdale Pioneers and the Birth of Modern
Cooperation
Self-Evaluation (pg. 31)

1. Why was it necessary that the Rochdale Pioneers go into a savings program?

Because they wanted to store bigger amount of capital so that they can offer
sales volume and with such savings program, they were able to widen their business
cooperative

2. What was the first business venture of the Pioneers? Why do you think the members
chose this type of business? What motivated the coop to go into manufacturing?

The first business venture of the Pioneers is a equitable cooperative that produced
goods from its own farm and factories and distribute them. They decided to choose that
type of business because it was during the time where Hungry 40s was widespread and
social discontent and political turmoil.

3. In what days did the Pioneers help other groups in UK?

Christmas Day meeting in 1863 marked the foundation to help other groups in UK

4. Cite at least four factors that contributed to the success of the Rochdale Pioneers.

a. members ability to blend idealism and practicality

b. refusal to beaten by poorness and differences

c. willingness to learn

d. they even held meeting as often as needed

5. What was the Pioneers contribution to the formulation of the cooperative principles?

a. democratic control, one member, one vote and equality of sexes

b. open membership and political and religious neutrality

c. promotion to education

d. a fixed rate of interest payable on investment

e. sale of pure, unadulterated goods with full weights and measures given

f. no credit

g. fixed percentage of profit

 Module 2 Cooperation as a Socio-Economic Movement
Lesson 3 : The Cooperative Identity

Self-Evaluation (pg 41)

Part I. Identification

1. The principle asserts the membership should exercise authority and right to equal
participation.

Ans: Member Economic Participation

2. This organization represents the whole-wide solidarity of the cooperatives

Ans: Internation Cooperative Alliance

3. This principle makes possible recruitment of cooperative members from all walks of life.

Ans: Voluntary and Open Membership

4. This principle emphasizes the need for cooperative to enlighten both members and
non-members on the benefit of Cooperation.

Ans: Education, Training and Information

5. This ICA document contains 1995 reformulation of the universal cooperative principles

Ans: Statement of Cooperative Indentity

Part II. True or False

1. Equity in cooperative means the right of each member to receive equal amount of
benefits and share from the net surplus.

Ans: TRUE

2. Under the Principle of autonomy and independence, cooperative should accept

donations from outside agencies as long as the donor agencies shall have the power to
decide for the cooperative.

Ans: False

3. The democratic principle is rooted in the working class struggle of basic rights.

Ans: TRUE

4. The first set of cooperative principle was adopted from the operating guidelines of the
ICA.
 Ans: TRUE

5. Koenraad Verhagens definition of a cooperative suggests that cooperative are

business organizations which are oftentimes intended for the poor people who have
limited means.

Ans: TRUE

Part III. Discuss briefly the importance of organization and ethical values in cooperative.

Self-help, democracy, equality and solidarity are the values that should govern
cooperatives as socially responsible and people-oriented organizations and economic
enterprises. The individual members whose personal ethics from the kind of organizational
culture of cooperative shall promote are expected to be living examples of the values
of honesty, openness, social responsibility and caring for others.
 Module 3 Cooperatives in the Philippines
Lesson1: The Different Types of Cooperatives
Self-Evaluation exercise (pg. 54)

Type of Coop Purpose for Organizing/Problems Examples of Business activities

Addressed by this type of Coop or services engaged in

1. Credit Coop or Promotes thrift and savings Trust deposit-taking, Savings

Financial Service among its members, mobilize deposit, Time deposit and Fixed
Coop funds in order to grant loans for Deposit
productive and providential
purpose

2. Producers Engage in joint and collective Classroom chairs and table

Cooperative productions both agri and formation, quality coffee beans
industrial. Formed in purpose of and blends
producing raw material and
finished products.

3. Agrarian Reform Aims to establish appropriate Land reformation services,

Cooperative systems of land tenure for farmer farming methods and marketing
member as well as land systems
developers

4. Insurance Insures life and property of Coop Life Insurance and Mutual
Cooperative cooperative and members. Benefit Services (CLIMBS) and
Cooperative Insurance System
of the Philippines (CISP)

Housing Provides housing and promotes House loans

Cooperative savings among members to
build up their resources

6. Education Organized of owning and Education services for lifelong

Cooperative operating a licensed and life-wide learning
educational institutions.
 Module 3 Cooperatives in the Philippines
Lesson 2: Brief History of the Philippines Cooperative Movement
Self-Test (pg 61)

Part I. Identification

1. La Liga Filipina

2. Rural Credit Law

3. Palatuntunan ng Samahan ng mga Magsasaka sa Dapitan

4. FACOMA

5. Integrated Reorganizational Plan

6. Presidential Decree 175

7. PHILCUL

8. RA 6939

9. Samahang Nayon

10. RA 9520

Part II. Enumeration

1. Factors that led to FACOMAs failure

1. Poor financial and structural mechanism

2. Inconsistent government actions

2. Five reasons that caused early cooperative to perform poorly

1. Lack of adequate character and moral responsibility

2. Inefficient management

3. Defective securities offered

4. Too much government money loaned

5. lac of democratic procedure

3. 3 National Cooperative that were formed in 1970s and are still operating

1. Livelihood Multi-Purpose Cooperative (888 MPC)

2. Cebus People Cooperative

3. San Dionisio Credit Cooperative

 Module 4 Selected Provisions of the Philippines Cooperative
Codes (RA 9520 and RA 6939)
Lesson 1: Organization, Membership and Administration of
Cooperative
Self-Evaluation (pg73)

I.

a. Regular members from associate members

Regular members are one who meets all the qualifications of membership as
prescribed in the by-laws while associate members are one who has no voting right and
is entitled only to such right and privileges by the by-laws

b. power and functions of the General assembly from the Powers and function of the
Board of Directors

General assembly consists of all members who have equal right to vote and has
the power to determine and approve amendments to elect or appoint or remove for
cause of members and approve developmental plans while Board of Directors shall be
responsible for the strategic planning, direction-setting and policy formulation of the
cooperative.

c. elective committee from appointive committee

Elective committees are independent from Board of Directors but they have the
same level of power as to BOD while appointive committee are Faculty Divisions. To
assure comprehensive representations, elections and some appointments to
committees

ASSIGNMENT (pg 73)

Juridical personality - Entity (such as a firm) other than a natural person (human being)
created by law and recognized as a legal entity having distinct identity, legal personality,
and duties and rights. Also called artificial person, juridical entity, juristic person, or
legal person

Quorum - the minimum number of members of an assembly or society that must be

present at any of its meetings to make the proceedings of that meeting valid.

Civil Degree of Consanguinity - Any ascendant, descendant or collateral relative of the

aggrieved party within the fourth civil degree of consanguinity or affinity

Civil Degree of affinity - Affinity refers to civil relationships arising from marriage (your "in-
laws"). Within the first degree of consanguinity are all the people YOU could be related
to directly by blood (P=parents as direct ascendants; C=children as direct descendants,
S=brothers and sisters as siblings)
Module 4 Selected Provisions of the Philippines Cooperative
Codes (RA 9520 and RA 6939)
Lesson 2: Fund Sourcing, Capitalization and Allocation of Net Surplus in
Cooperative
Self-Test (pg. 79)

A.

1. Internal fund sourcing in cooperative

These are fund sourcing directly from members. Member share capital represents
individual member commitment to the cooperative form of business. It also identifies the
individual members financial stake. It is withdrawn only when the member leaves the
cooperative. Some other forms of member contributions, usually related to patronage,
are more variable but once given cannot be withdrawn and hence are a particularly
useful form of cooperative capital.

2. External Fund Sources

Cooperatives often make use of external sources of funds to run their operations
or to finance investments. These non-member sources of funds may include cooperative
or commercial banks, suppliers, government or donor agencies. External funding may be
provided in different ways: as grant, as a short-term or long term loan or as a trade credit
offered by a supplier

3. Authorized Capital

It is the maximum share capital a cooperative is allowed to issue among members

as a set or fixed in its Articles of Cooperation.

4. Subscribed Capital

Refers to the portion of the authorized capital which amount or number of shares
the member have pledged to pay as their capital within a specific period

5. Paid up Capital

Portion of the subscribed capital that has actually been paid for by the member.

6. Revolving Capital

Refers to the patronage refund and interest on capital that are due to members
but the distribution or payment of such amount has been deferred

7. Par Value

the nominal value of a bond, share of stock, or a coupon as indicated in writing

on the document or specified by charter.
8. Net Surplus

Refers to as an excess payment made by the members for the loans borrowed, or
goods or services availed by them from the cooperative.

B. Problem Solving

1. Subscribed Capital = P25, 000

100,000 x 25% = 25 000

2. Authorized Capital = P 5,000

100,000/20 = 5000

3. Total Number of Shares = 1000

100,000/100 = 1000

4. a. Total number of shares may subscribe = 250

25000/100 = 250

b. should initially pay = 25000

100,000 x 25% = 25000

 Module 4 Selected Provisions of the Philippines Cooperative
Codes (RA 9520 and RA 6939)
Lesson 3: The Cooperative Development Authority
Self-Exercise (pg. 83)

1.
Area of Concern Functions/Powers/Responsibilities

Development plans Formulation and implementation of comprehensive cooperative

and programs development plans and programs consistent with the national
policies and socio-economic development plans

Viability of Conduct training to external professionals, assistance on

Cooperatives management, entrepreneurial and technical skills towards
improving the capabilities and viability of cooperative

Cooperative Coordination of efforts of the level of government and the private

promotion and sectors in the promotion and development of cooperative
development

Grants and Administer all grants and donations caused through the
donations for coop government for cooperative development, without prejudice to
development the right of cooperative to directly receive and administer such
grants

2.

CDA was created to promote viability and growth of cooperatives in the

Philippines as an instrument of equality, social justice and economic development.
 Module 5 Cooperatives and Social Transformation
Lesson 1: The Philippine Commitment to the Millennium Development
Goals
Research Assignment (pg. 91)

1. Economic Growth

Economic growth is an increase in the capacity of an economy to produce goods

and services, compared from one period of time to another. It can be measured in
nominal or real terms, the latter of which is adjusted for inflation. Traditionally, aggregate
economic growth is measured in terms of gross national product (GNP) or gross domestic
product (GDP), although alternative metrics are sometimes used.

2. Gross Domestic Product (GDP)

Gross domestic product (GDP) is the monetary value of all the finished goods and
services produced within a country's borders in a specific time period. Though GDPis
usually calculated on an annual basis, it can be calculated on a quarterly basis as well.

3. Productivity

Productivity is an economic measure of output per unit of input. Inputs include

labor and capital, while output is typically measured in revenues and other gross
domestic product (GDP) components such as business inventories. Productivity measures
may be examined collectively (across the whole economy) or viewed industry by industry
to examine trends in labor growth, wage levels and technological improvement.

4. Gender Equality

Gender equality, also known as sex equality, gender egalitarianism,

sexual equality, or equality of the genders, is the view that everyone should receive equal
treatment and not be discriminated against based on their gender.

5. Sustainable Development

Sustainable development is development that meets the needs of the present

without compromising the ability of future generations to meet their own needs.
Self-Evaluation (pg. 91)

1. What are the indicators or signs of underdevelopment in Philippines in the

a. economic aspect

Widespread of poverty and inequality, lack of proper education, difficulty

in optimizing human capital

b. social aspect

Breakdowns of peace and lack social values and integrity

2. What is Millennium Declaration?

It is a document signed by UN member-nations participated in the New York

Millennium Summit that spelled out the eight millennium development goals and
specified targets for each goal. Wherein it reflects the vision of entire nation, working
together with international and country-based organizations, to wipe out poverty and
worst form of human deprivation, and lay the foundations for sustainable human
development.

3. Which target areas or aspects did the Philippines showed improvements.

Eradication of extreme poverty and hunger, achieving universal primary

education, promotion of gender equality, improving maternal health, and developing
global partnership for development

4. Internationally, what are areas or aspects are the MDGs failing to achieve thetargets

Eradication of extreme poverty and hunger, Combatting HIV-AIDS, malaria and

other diseases, ensuring environment sustainability.
 Module 5 Cooperatives and Social Transformation
Lesson 2: The Cooperative Development Agenda
Assignment (pg. 96)

For many poor people, work is a major route for escaping poverty.

However, economic growth, which has been a focus for donors, including DFID,

does not inevitably result in more and better jobs. The majority of poor people in

the developing world already have jobs: the problem is that these are

predominantly in the informal economy, where conditions are usually insecure

and incomes inadequate. Eradicating poverty is therefore not solely a question

of generating economic growth and employment opportunities but rather

making sure that both the quantity and quality of available work is such that it

can lead to poverty reduction.

In response to this challenge, the Decent Work Agenda, developed by the

ILO, proposes an approach to development that emphasizes fair and sustainable

working opportunities. Decent work is conceptualized as having four constituent

pillars, which are interdependent and mutually reinforcing:

Access to productive employment and income opportunities;

Rights at work, particularly with respect to the core labor standards;

Systems of social protection; and

A voice at work through social dialogue.

 The Decent Work Agenda therefore is an approach to development that

emphasizes employment that is accompanied by rights, representation and

protection. While decent work is applicable to both developed and developing

countries, different elements may need greater focus depending on the

particular challenges in a given region, country, sector or workplace.

Importantly, decent work represents an approach to development as well

as an outcome. The Decent Work Agenda entails building respect for

international labor standards and social dialogue into development processes,

rather than seeing them as a future goal or inevitable outcome of economic

development. This is not only a question of social justice, but also an important

contributory factory to social and economic development: in many ways, labor

standards and social dialogue help to enable development processes, by

encouraging stronger standards of governance and promoting social

development.

The concept of decent work has achieved high-level international

endorsement as an objective of the development agenda, most notably with its

integration into the Millennium Development Goals (MDGs). In recognition of the

importance of decent work for poverty reduction, MDG1 now includes a target

to achieve full and productive employment and decent work for all, including

women and young people, along with four measurable indicators. These relate

to both the quantity of employment, and also to its quality in terms of wage levels

for workers and degree of informality. Decent work has also featured prominently
in international policy statements on the global financial crisis, where the

importance of employment and social protection strategies in safeguarding

livelihoods and contributing to recovery has been underlined.

However, beyond these international statements of support, the uptake of

decent work by donors (multilateral and bilateral) and national governments has

been mixed to date. Decent work does not have a high visibility in donor

programming and strategies, even where donors have expressed strong support

for the concept. This is not to say that donor programmers do not address

elements of the Decent Work Agenda, but rather that they do not do so in an

integrated way. For example, DFIDs White Paper sets out substantial

commitments in relation to social protection, employment creation in fragile

states and fair and ethical trade, but the conceptual links between these areas

are not explored. In a similar fashion, the development plans of national

governments may refer to decent work, but rarely nominate it as a central

objective. Employment creation has, however, emerged as a much more

important feature of partner country development policy.