A study of the operations and performance of selected credit cooperatives in the Philippines
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1990Author
Relampagos, Julius P.
Lamberte, Mario B.
Graham, Douglas H.
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Abstract
This study attempts to provide an adequate understanding of what a credit cooperative is, in terms
of operations and policies, financial performance, and membership. Specifically, the major objectives
of the study are:
a. to determine the effectiveness of credit cooperatives in meeting the needs of their members
and, where applicable, to suggest ways and means to improve services; and
b. to identify possible management financial weaknesses in their operations.
Thus, the analysis is divided into three major groupings:
1. Operations and Policies
a. the policies and practices associated with the savings and lending activities of credit
cooperatives;
b. the degree of flexibility they adopt in implementing credit cooperative rules and regulations;
c. the issues and problems encountered in their regular operations, and the way to handle them;
d. their relationship with other savings and credit institutions, both formal and informal, and
the extent of competition among themselves and with other institutions of similar
functions; and
e. the relationship and/or affiliations of primary credit cooperatives with associations or
federations.
2. Financial Performance
a. the growth performance and patterns of credit cooperatives; and
b. the problems and constraints in their growth process.
3. Membership
a. the overall profile and characteristics of credit cooperative members;
b. the saving and borrowing behavior of members;
c. the extent of membership participation in cooperative activities;
d. the lending behavior of members; and
e. the members' level of awareness about cooperative issues and related matters.