MASS-SPECC Cooperative Development Center

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A Watershed Moment

A Watershed Moment Grow members to grow the co-operative. This is the paradigm shift that will help ensure that co-operatives in Mindanao remain the people-centered enterprise envisioned by the pioneers. (Photo Source: Oro Integrated Cooperative Facebook Page) In August 2016, MASS SPECC celebrated its 50th anniversary with the theme “50 years of growing co-operatives into a movement.” It captured the original thinking of the co-op pioneers in Mindanao that co-operatives were a movement of people, who aspired to develop themselves and their communities. This meant not only that members of the co-operative had to be active participants in its growth and development but also that the success of the co-operative enterprise translated into their well-being and in the improvement in their lives.  The theme also captured the ambition of the pioneers to see co-operatives working together so that they can contribute effectively to the economy and to society as a whole. By 2016, co-operatives in Mindanao had already grown into multimillion enterprises. Some had even crossed the billion-asset threshold, earning the bragging rights of being billionaires. With all the external manifestations of financial growth already visible – buildings and offices comparable to established businesses, expanding network of branches, etc. – there was no escaping the question: have co-operatives become a real people’s movement, with the primacy of members at the core of their belief system? As the explanation on the theme of the anniversary noted: As MASS SPECC celebrates its 50th year of existence in 2016, it may be well for present leaders, managers and staff of the federation and its affiliate co-operatives to ask themselves: Are the beliefs and the vision of the pioneers of the organization still relevant today? If so, how far have we realized that vision? If not, what is our alternative vision that is compelling enough to inspire the present and future generation?     These questions led to the collective reflection on the state of the co-op movement in Mindanao. Discussions and conversations around these questions transpired at all levels of the organization – from the co-operative clusters that make up the base of the federation to the regional ownership meetings to the general assembly.  Indeed, the 50th anniversary was a watershed moment that triggered internal reflections and a growing realization of the need for change. A Growing Consciousness One such realization was that co-op leaders and managers had been preoccupied with growing the business side of the co-operative enterprise. Growth was measured in terms of increase in assets, in deposits and share capital, in loan portfolio, in income and other financial indicators. Growth was also measured in terms of expansion in geographical reach with the establishment of branches in areas outside of home base as well as expansion of “customer” base with the increase in membership. Growth was also measured in terms of investments in new business undertakings that could contribute to a bigger bottom line.  This collective view of growth assumed and took it for granted that members, who are the main source of the co-operative’s capital and income, were the beneficiaries of such growth. After all, growth in loan portfolio meant more members had access to the co-operative’s products and services. And when the co-operative invested in business activities that did not directly address the needs and requirements of members, they would still benefit from the income coming these investments by way of more dividends – never mind if such dividends, on a per capita basis, were only marginal given that the average share capital of most members was relatively small. This assumption, of course, did not hold water when viewed against reality. Not all members had equal access to the products and services of the co-operative. Neither were the benefits shared equally among them. In an independent study conducted in Mindanao to look into the state of well-being of members of co-operatives under MASS SPECC, it was established that at least 21% of members remained poor or became poor after 10 to 15 years of membership. In other words, not all members shared the growth story of co-operatives. Fortunately, co-op leaders under the federation recognized this disturbing reality and decided to do something about it. In 2018, they decided to adopt a new vision for the co-op movement in Mindanao: all members enjoy better of life. This vision was adopted by most co-operatives as their own. And in a series of consultations from the ground up, they decided to translate this vision into reality. They agreed on economic indicators and measures to check on the well-being of individual members. And they agreed to monitor the achievement of this vision every year. The year 2023 is the initial period the monitoring system has been put in place. Forty-eight (48) co-operatives have started gathering data from individual members. To date eleven (11) of them have completed the data gathering and they will form the first group of co-operatives that are able to have a complete profile of their members and establish their economic status.  More co-operatives are expected to join this effort next year and in the coming years. The data gathering will be done on a yearly basis in order to track the change in the economic status of members. Member-level interventions will then be undertaken to assist members, especially the poor and the low-income among them. A Growing Commitment Although majority of co-operatives under MASS SPECC have yet to join this effort, the fact that it has been started by some as an example means that a paradigm shift is already taking place, a shift that will place the primacy of members at the forefront of co-operative development and their well-being and welfare as the true measure of co-op success, as envisioned by the pioneers of the movement in Mindanao. The general assembly of the federation approved last year the 5-year Co-op Movement Strategic Plan which will institutionalize the strategy of “grow members to grow the co-operative.” The growing commitment of co-operatives under MASS SPECC to sustain the effort will surely change

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Charting a Purpose-Driven Path with the Mindanawon GAD Strategic Planning

empowering tomorrow: charting a purpose-driven path with the mindanawon co-op movement’s gad strategic planning workshop The Mindanawon Co-operative Movement’s Gender and Development (GAD) Strategic Planning Workshop proved to be an insightful and pivotal event held on December 5-6, 2023, at The Dynasty Court Hotel in Cagayan de Oro City. The aim of the workshop was to provide a clear direction for the co-op movement by ensuring the inclusion of GAD perspectives and priorities. The event was attended by 15 co-operatives from different regions, with 13 females and five males taking part. This showed a growing interest and commitment to address GAD concerns within the co-op sector. Doris Calapiz, Women’s Representative to the Board of Directors and Chairperson of the MASS-SPECC GAD Committee, welcomed the workshop participants. Salome Ganibe, the senior consultant of the Gender Equality Resource Center (GERC) Inc. and former Executive Director of the Asian Women in Co-operative Development Forum (AWCF), acted as the resource facilitator. She provided a global and national perspective on GAD, giving invaluable insights during discussions on memorandum circulars addressing GAD and the duties and responsibilities of GAD teams within co-operatives. The workshop covered sessions on the MASS-SPECC Co-op Movement Strategic Plan, presentations of the results from the Gender Assessment Tool (GAT) from various regions utilizing the web-based GAT developed by GERC, Inc., and workshops aimed at identifying common GAD actions and intervention strategies. To consolidate a comprehensive understanding of the GAD landscape within the Mindanawon co-op movement, emphasis was placed on the submission of the web-based GAT results from primary co-ops. The significance of these submissions was highlighted during an initial presentation, where participants greatly appreciated the insights provided. During the workshop, initial assessment and plans from each respective region were formulated, but they are still to be polished and confirmed by the respective regions soon. The goal is to integrate a comprehensive GAD strategic plan into the MASS-SPECC Strategic Plan for the next three years. To accommodate the primary co-ops’ convenience of availing of the benefit of the tool, MASS-SPECC offers a three-year (2022, 2023, and 2024 data) free subscription to the web-based GAT in partnership with GERC, Inc. Member co-ops of MASS-SPECC that have fully remitted their CETF are encouraged to register and fill out the tool as soon as possible. This event provided a crucial platform for the Mindanawon Co-op Movement to consolidate efforts, share expertise, and pave the way for a more inclusive and sustainable co-op sector. “Insights and contributions gathered during this workshop will be instrumental in shaping a more gender-responsive and purpose-driven future for co-operatives in Mindanao,” shares MASS-SPECC CEO Bernadette Toledo.

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MASS-SPECC celebrates a milestone: Management Dev’t. Program culmination

MASS-SPECC CELEBRATES A MILESTONE: MANAGEMENT DEVELOPMENY PROGRAM CULMINATION MASS-SPECC Cooperative Development Center proudly marks a significant achievement as itcelebrates the culmination of its flagship Management Development Program (MDP), where dedicated learners from various co-operative backgrounds successfully completed this transformative journey.  The MDP stands as a testament to MASS-SPECC’s commitment to nurturing co-operative leaders who not only excel in their managerial roles but also embody the co-op principles at their core.   This year’s graduation ceremony, slated on November 22, 2023, at the Mallberry Suites Business Hotel, Limketkai Center in Cagayan de Oro City, proved to be a momentous occasion bringing together graduates from batches 2020 to 2023. Amid the challenges posed by the pandemic, MASS-SPECC has stood resilient, ensuring that the postponed joint graduation became a celebration to remember.      The ceremony featured special messages from Dr. Peter Davis of Leicester University (MDP Module 1 Trainer) and Cooperative Development Authority (CDA) Region 10 Director Aminoden A. Elias, adding depth and perspective to the celebration.     The event was particularly noteworthy as it featured a special discourse with Jonathan Yabut, a well-known author and motivational speaker, during the lecture forum on the management and leadership segment. Yabut’s enlightening session focused on two crucial elements of organizational success – social media marketing and championing teamwork.     Attendees online and onsite gained valuable insights and inspiration from the lecture. It is a truly valuable experience that includes the diverse facets of modern co-operative management and insights into the anatomy of successful teamwork and strategies to cultivate a collaborative environment, emphasizing the importance of transparency and collaboration among co-ops.     The ceremony also featured testimonials and commitments from the graduates, spotlighting their dedication and readiness to apply what they learned to develop their co-operatives and communities.     This celebration isn’t merely about academic accomplishments; it’s a collective affirmation of dedication, perseverance, and the commitment to uphold the co-operative movement.      MASS-SPECC Cooperative Development Center extends its warmest congratulations and gratitude to all stakeholders, partners, and supporters who joined the event, celebrating the achievements of exceptional graduates who embody the future of co-op leadership.

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COOP MONITOR Q3 - Socmed Post (2)

MASS-SPECC, Peppermint unite in strategic
partnership toward digital financial inclusion

MASS-SPECC, Peppermint unite in strategic partnership toward digital financial inclusion CAGAYAN DE ORO CITY, PHILIPPINES — MASS-SPECC Cooperative Development Center (MASS-SPECC) and Peppermint Innovation Ltd, a trailblazer in financial technology, have recently formed a significant and enduring five-year strategic partnership to bridge the digital financial gap in the co-op movement. In this landmark collaboration, Peppermint is poised to deliver MASS-SPECC’s transformative Pinoy Coop Mobile App, underpinned by a comprehensive suite of services. This cutting-edge app will bear the insignia “Built on Bizmoto | Powered by Peppermint” and promises to reshape the digital financial landscape. The partnership’s first phase will enable Pinoy Coop Mobile App users to seamlessly conduct “cash-in” and “cash-out” transactions, facilitate fund transfers between the Pinoy Coop Mobile wallet and Pinoy Coop ATM accounts, and access a wide array of financial services, including bill payments, mobile phone top-ups, and interbank transfers through InstaPay and PESONet. In the second phase, Peppermint and MASS-SPECC will collaboratively explore the integration of additional Bizmoto services, encompassing loan applications, loan monitoring, co-op service logistics, appointment scheduling, QR code functionality for the Philippine market, domestic and international remittances, and the establishment of e-wallet service connectivity for co-operatives. The agreement also fosters discussions surrounding potential collaborations involving proprietary Bizmoto services such as BizmoLoan, BizmoTinda, and BizmoGo. The genesis of this strategic partnership can be traced back to Peppermint’s initial five-year agreement with MASS-SPECC in October 2022, primarily aimed at delivering EMI financial services to power the backend of the Pinoy Coop Mobile App. In 2021 alone, MASS-SPECC facilitated nearly two million transactions, averaging 166,000 monthly. These transactions served approximately 380,000 ATM cardholders among MASS-SPECC’s 1.6 million members. MASS-SPECC CEO Bernadette O. Toledo said: “MASS-SPECC is pleased to partner with Peppermint as we launch our program of digital transformation. Being the largest regional co-operative federation, MASS-SPECC has more than 1.6M individual members representing 343 member co-ops who will stand to benefit from this partnership with Peppermint Innovation.” Since the start of this year up to June, MASS-SPECC has processed Php9.1 billion in cash withdrawals, bill payments, and fund transfers. Beginning 2015, MASS-SPECC has handled more than 30 million transactions. “We are excited about the prospects of a highly productive partnership in the days ahead,” Toledo shared. Peppermint’s Managing Director and CEO Chis Kain emphasizes the strategic significance of this partnership: “Today’s announcement represents a pivotal moment for both Peppermint and MASS-SPECC. It secures our command over the end-to-end execution of this mobile technology solution, guaranteeing the delivery of the Pinoy Coop Mobile App in direct collaboration with MASS-SPECC.” Kain added: “This strategic partnership agreement now crystallizes that commitment, and we are better positioned than ever before to bring this vision to fruition.” Given MASS-SPECC’s extensive member base, Kain expresses a sense of urgency: “We are profoundly eager to see the Pinoy Coop App deployed expeditiously, with our target being the end of this year. Ongoing dialogues with MASS-SPECC are exploring how our EMI license and established mobile app fintech platform can contribute to their broader vision and strategic initiatives for their co-ops and members.” Peppermint and MASS-SPECC unite not merely for commercial endeavors but to usher in a new era of digital financial inclusion, to realize the co-op movement vision of “All Members Enjoy Better Quality of Life.” This partnership embodies a commitment to innovation, resilience in the face of challenges, and a profound desire to empower millions.

MASS-SPECC, Peppermint unite in strategic
partnership toward digital financial inclusion
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