Housing Coop

Housing cooperatives are observed to be key players in solving housing problems around the world. By definition, a housing cooperative is a legal association formed by cooperators to allow for the provision of housing to its members. A key characteristic of housing coops is that they are owned and controlled by their members. It is also unique from other housing associations in that it upholds co-operative principles of open and voluntary membership, democratic control by members, members’ economic participation, commitment to service, autonomy and independence. Housing coops also promote education, training and information, cooperation among cooperatives and concern for community through their activities.  

In the Philippines, NATCCO is pursuing housing co-op initiatives though the Bahaynihan and similar housing cooperative initiatives of NATCCO began in 1998 with a partnership with the Kooperativa Forbundet Project Center (KFPC) in Sweden where they advocate the internationally recognized ICA concept of Housing Cooperatives. Study visits of co-ops have been conducted since 2000 and now there have been several housing cooperatives with projects in Leyte, Iloilo and Quezon City. 

Currently, the Housing Co-op program is organizing a Home Savings Fund Program for housing cooperatives. This is a centralized pooled home savings fund which may be used for lot acquisition, land development or housing construction, bridge-financing with Pag-IBIG Fund, NATCCO Central Fund for “matching fund scheme” and/or other financial institutions.  It is hoped that by pooling these resources, home seekers all over the country will benefit once these funds are used for the development of a housing cooperative.

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Mutual Benefit Association

NATCCO MBAI was established in 2009 to enable co-ops to provide financial support to its members and their dependents in the form of death and sickness benefits, provident savings, and loan redemption assistance.   It was also established to specifically support the micro-insurance needs of the NATCCO Network affiliated cooperatives.   NATCCO MBAI offers two insurance products, the Damayan Family Plan, a Basic Life Insurance Product that insures the Principal Member and his/her four dependents; and the Co-op Loan Guarantee Plan, a Credit Life Insurance that pays off the Principal member’s loan if there is untimely death. The Co-op Loan Guarantee Plan is an integral part of NATCCO’s thrust to boost the capacity of cooperatives to serve their members, as well as prevent co-operatives’ insolvency.  It has been found that the death of a borrower leaves loans unpaid, causing financial strain on many primary cooperatives.  With MBAI’s loan protection program, the borrowers’ outstanding balance is paid to the primary by MBAI, and the remainder is given to the deceased borrowers’ family. NATCCO MBAI continues to support the cooperative partners and their members with the “zero denial” and shortened contestability period to only six months.  It constantly enhances its operations by updating and creating new policies that will drive the association’s mission to provide family protection and co-ops’ security. 2018 data: 1. Damayan Family Plan policies issued - 31,176 2. Total Coop Loan amount insured – PhP 2,124,044,554 3. Claims processed for Damayan Family Plan - 240, with total benefit amount of PhP 8,804,040 4. Claims processed for Coop Loan Guarantee Plan - 136, with total benefit amount PhP 4,579,789 5. Total claims amount released to beneficiaries – PhP 13,380,829

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CoopMart is a tailor-made business concept for your coop. It is THE General Provisions Store for “no frills” basic daily needs and locally-produced items.  It is the Retailer King in the community.  It aims to be known as the new town plaza, the gathering place for members. The Vision We shall grow this business across the network.  We will create “A unified retail business among consumer coops operating as one integrated chain for efficiency, better prices and better services for members.  Our mission is to grow the integrated chain of Coop Mart in strategic locations that provide quality products and services at reasonable prices and operate within the cooperative’s value system, following uniform concepts and standard operating procedures in order to attract new members and encourage patronage of existing members. The Strategy Through Coop Mart, we offer an enterprise concept that will unify the fragmented businesses of the consumers’ coops into one integrated chain with joint purchasing and own local production for better quality goods and better prices.  We will provide your coop regular training and competence development towards efficiency, profitability and satisfaction of members’ needs and wants. The Business Standards CoopMart offers proven store lay-out, standard ratios in terms of profitability, capital structure and cost structure.  Coop Mart has an Operations Manual, a Marketing Manual and a Training Manual which will serve as the management’s day-to-day guide / bible.  You will also be provided the standard software that automatically generate the financial reports  and the retail metric for analysis and decision-making.  It targets an ROI of not less than 20% and therefore bigger patronage of members. Coop Mart provides: Assistance in Site Selection Design, Construction, and Technical Support Operations Standards, Systems and Support Manual for Operations, Marketing and Training Marketing and Advertising Services Retail Software – EkoopMart Software Upgrade Training and Exposure to International Coop Mart Chains Coop Financial Investment The financial requirement for a Coop Mart ranges from P3M to P12M depending on store size, location, and other factors (excluding site acquisition costs). The Licensing Fee is P350,000 – P500,000 depending on site area/location. The cost of the software is P250,000.  This has six modules: POS, Inventory, Accounts Receivable, Accounts Payable, General Ledger and Payroll. How your Consumers Coop can be part of the Coop Mart Chain: Submit a Board Resolution of Intent to Mr. Cresente C. Paez or Ms. Cecilia de la Cruz of NATCCO/NEDC and fax it to (02)913-7016 or (02)912-5962.  You may also e-mail your board resolution toceo@natcco.coop or cmdelacruz@natcco.coop or mail to NATCCO Enterprise Development Center, NATCCO Bldg., 227 J. P. Rizal St., Project 4, Quezon City. NATCCO will then send a representative to discussing the Licensing Details. NATCCO will inspect your proposed location. If location is approved, coop will have to sign the Licensing Agreement and pay the initial downpayment of P100,000 for the initial mobilization on the project. Two months after opening, coop will have to pay the balance on the Licensing Fee. Since its inception, there have been a number of cooperatives that have availed of the Coop Mart system. Sta. Ana Multi-Purpose Cooperative (SAMULCO) of Davao City opened a new Coop Mart Branch in Puan, Davao in July 2008. SAMULCO also partnered with NATCCO for the enhancement of the Ekoopmart System to facilitate interbranch connectivity of stores as well as the warehousing system of the cooperative. Some co-ops have reported great success in their earnings after adopting Coop Mart. For instance, the Abra Diocesan Teachers and Employees Multi-Purpose Cooperative (ADTEMPCO) of Bangued, Abra reported that their Coop Mart is now earning more than Php 130,000.00 sales per month from a monthly sale of Php 30,000.00 to P 60,000.00. We also recently opened a new branch in Maasin, Leyte. Because of similar success stories there are five other cooperatives whose Coop Mart projects are under way and seeing great improvements. These are Integrated Coop Towards Unified Services (ICTUS), Suralla, South Cotabato; St. Jude Multi-purpose Coop (Lucena City); Cordova Multi-Purpose Coop (Cordova, Cebu); Nabunturan Integrated Cooperative (Compostela Valley); and Notre Dame of Jolo Multi-Purpose Cooperative (Jolo, Sulu).

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