it is from me umar.it had a detail doc file guided by wikipedia and other books
types of wastewaterDescripción completa
Describes the types of banking that are available in the banking sector and the types and categorization of customers. Useful for banking exams and common knowledge of banks.Full description
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Grammatical categories of the verb. English grammar.Full description
Grammatical categories of the verb. English grammar.Descripción completa
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Different types of kitchen tools and equipment in baking and cookingFull description
Forms and Types of Creative Nonfiction
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TYPES AND CATEGORIES OF COOPERATIVES TYPES OF COOPERATIVES under Art.23 1.CREDIT
COOPERATIVE
- is one that promotes thrift among mem bers and creates funds in order to grant loans for productive and provident purposes . - is a group of people who pool their savings and lend to each other from the accumulated funds at low interest rates. - is also called credit unions, established by Friedrich Wilhelm Raiffeisen are referred to as the Raiffeisen type of banks. Core Purposes under Art.III
a.
To encourage savings among its members;
b.
To create a pool of such savings for which loans for productive and provident purposes
may be granted to its members; c.
To provide related services to enable its members to maximize the benefit for such
loans. NOTE: Member
as a part-owner
Provident purposes Productive purposes The habit of saving The word saving in credit co-ops names Networking Objectives: a. interlending of surplus funds b. mutual benefit c. deposit guaranatee d. bonding e. education and training
f . professional and technical assistance g. research and development h. representation i. other services needed to improve their performance 2. CONSUMER COOPERATIVE - is one whose primary purpose is to procure and distribute commodities and provide services to members and sometimes nonmembers. - are modern day descendants of the Rochdale type of cooperatives. Important policies:
a.
to charge higher prices rather the to charge lower price based on the original purchase price.
b.
strictly implementation on the policy on cash trading
c.
co-op store should be nurtured to health by managers through patience, persistence and
perseverance, values that co-op officers should develop and practice. 3. PRODUCERS COOPERATIVE
- is one that undertakes joint production of agricultural or industrial products . Functions of a business enterprise: Production/Operations Marketing
Finance
Industrial Producers Cooperative
- may be categorized as a manufacturing enterprise.
Agricultural Producers Cooperative
- may be engaged in supplying purely agricultural products or in agri-business endeavors . 4. MARKETING COOPERATIVES - is one that engages in the supply of production inputs to members and market their products .
5.
SERVICE COOPERATIVES
- is one that engages in medical and dental care, hospitalization, transportation, insurance, housing, labor, electric light and power, communication and other services . NOTE: Electric Cooperatives Market
Vendors Cooperative
Janitorial
Services Cooperative
6. MULTIPURPOSE COOPERATIVE - is one that combines two or more of the business activities belonging to different types of cooperatives in its operations. 7. ENTREPRENEUR WORKER COOPERATIVE(EWC) - is more often referred to as Entre-Worker cooperative and other countries refer to it as owner-employee cooperative. - the workers are the member-owners of the cooperative.
examples: Mondragon
CorporacionCooperativa in Spain
Kabisig Cooperative in the Philippines CATEGORIES OF COOPERATIVES 1.
In terms of membership
Primary Cooperative
- is one where the members are natural persons . - can admit natural persons who are not regular members but associate members. 2. Secondary Cooperative - is a group of primary cooperative like federations . 3. Tertiary Cooperative - is composed of secondaries upward to one or more apex organizations.
As defined by the CDA in its Memorandum Circular-No.93-002, series 1993 thus: Apex organization may be a federation or a union whose members are registered secondary/tertiary or higher level cooperative organizations.
In terms of territory
-cooperatives are categorized according to their areas of operations, which may or may not coincide with the political subdivisions of the country. DEFINITION OF TERMS A cooperative is a duly registered association of persons, with a common bond of interest, who have voluntary joined together to achieve a lawful common social economic end, making equitable contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in accordance with universally accepted cooperative principles.
