2. Internal
Environment
• Competitive products and services
• Central Fund
• Fund stabilization
• Bancnet ATM Membership
• Affiliations – Banknet
• Digitization
• Members support
• Complaint
• Qualified personnel
• Risk Management
3. Internal
Environment
• Standard Transactional System
• Presence of standard
• Patronizing products and services
• High number of insurance policies
• Minimal share of aggregate assets and portfolio,
capital of CBs
• Low level of members patronage
• IT and Infra not at par with standard
• High delinquency rate
• Poor image perception
• No full time management and staff
• Incomplete roaster of officers due to few
membership
• Slow membership growth
4. Internal
Environment
• Lack on comprehensive data on cooperatives
• No interconnectivity among coops due to non appreciation of
leadership
• Individualism of cooperatives
• Federations are not united
• Multiple borrowings resulting to past due accounts
• Majority of cooperative are micro and small
• Multiple membership and officership
• Destructive competition
• Lack of intervention of poorly managed thru merger/consolidation
• No KPIs/KRIs
• Coop Mission is geared towards
• Customized service and products by cooperatives
• Establishment of a Cooperative College
• Laboratory cooperatives for intergenerational stability
• turnover of staffs
5. External
Environment
• Citations and awards
• SAO Developed Manual
• Strong participation of LGUs, GFIs,
Insurance,
• Data Privacy Act Cooperatives are not
included in the payment system
• P110K contribution is burdensome to coops
• Competing support given to political
• Absence of standard
• No financial intermediation opportunities
• No policy on multiple membership and
officership
• Policies on merger/consolidation is not
mandatory
6. External
Environment
• Poor implementation of Koop Kapatid Program
• Coop Banking Act in progress
• Tax exemption
• ISO certification
• Financing requirements available for other
clusters
• Available business solutions from international
providers
• Deputization of federation on the supervision of
cooperatives
• Available model federations from Advanced
countries
• Presence of party lists and other allies
• NAPC can also advocate for the benefit of the
coops
7. External
Environment
• Untapped potential members
• Natural and manmade calamities
• Political uncertainties
• Conflicting regulations among regulators
• Dummy foreign based coop banks
• Selective participation
• Participating banks has programs and policies that
competes with CSF products
• NGAs and LGUs gives direct funds to primary
cooperative either on grant or financial loans
• Weak capability and supervision of CDA
• No regulation on the disposition of capital
contribution of merged/dissolved coops
• Changes in the leadership of LGUs
8. An Empowered Finance
Cooperatives Cluster
“We commit ourselves to ensure the safe
and sound operations of cooperatives
providing financial products and services
anchored on our cooperative identity”
s
9. Ways Forward . . .
• Finalization Finance Cluster
Strategy Planning
• Integration of the FC SP to
Form Part of CDP for 2023-
2028
• Cascade and communicate
the plan to RCOs/Coops in
the finance cluster
• Monitoring and feedbacking
• Revisit/Updating