BOD attends CU forum in Thailand - DCCCO

A
s member of the Philippine
Federation of Credit Cooperative
(PFCCO), DCCCO
joined the Philippine
delegation of 69 to the 2009 Credit
Union Forum organized by the Association
of Asian Confederation of
Credit Unions (ACCU) at The
Emerald Hotel in Bangkok, Thailand
on Sept. 24-26, 2009. A total of 377
delegates were from 27 countries
(majority from Asia and the rest
were from Australia, Canada,
Germany and The Netherlands)
attended the said forum.
The DCCCO delegation was
composed of all the members of the
Board (Chairperson Sylvia L. Flores,
Vice-Chair Marina Mendoza,
Directors Loreta Sable, Vivian
Maquiling, Ma. Milagros Velez,
James Jed Rosales and Fernando
Uy), GM Felicidad Ruiz and Conrado
Cuerda from the DCCCO staff.
PFCCO-VISCUL Manager Emma
dela Cerna were also with the
The Official Publication of Dumaguete Cathedral Credit Cooperative
July — September 2009
BOD attends CU forum in Thailand
by Fernando T. Uy
DCCCO group.
The theme of the forum was
“Outsmarting Impacts of the Global
Financial Crisis.” Several wellrespected
resource speakers were
invited to talk on various topics.
The first day of the forum was
devoted to credit union visits where
the delegates were divided into three
groups to visit three cooperatives,
namely: Thai Honda Credit Union
Ltd. (a closed-type cooperative), the
Nong Chok Credit Union Ltd. (a
farmers’ cooperative), and the Saint
Peter Credit Union Ltd. (a community
cooperative where the Catholic
Church is a very active partner).
The day ended with a dinner cruise
at the Chaophya River. It was very
interesting to note that among the
various rivers and other water
channels running across Bangkok
none had any trace of garbage floating
on the waters. Despite the miles
and miles of wide concrete highways
Vol. 6 No. 3
crisscrossing Bangkok there is still
much space left for green vegetation.
There are many miniature temples
in almost every open space (lawn) of
residences and even in business establishments.
People passing by
would stop by the miniature temples
and offer lighted joss sticks with a
prayer. Temples of worship also
abound everywhere. The King and
Queen are also given great respect
and their big portraits are everywhere.
One of the highlights of the forum
was the keynote address of the
Finance Minister of Thailand, His
Excellency Korn Chatikavanij.
ACCU recognition awards were also
given to individual and institution
category. The late Congressman
Guillermo P. Cua of the Philipines
was one of the awardees in the individual
category. His wife was
present to receive the award for him.
There were plenary sessions in the
morning and afternoon and breakout
sessions were held after each session.
/cont. to page 7
Area Coordinators meet
The area coordinators held their
quarterly meeting on September 27,
2009 at 1:00 o’clock in the afternoon.
Facilitated by the Education
Committee, the coordinators had their
updating on the new policies so they
could help disseminate information to
the members in their respective areas.
The area coordinators also submitted
the list of recommended area coordinators
and schedule of PMES and OM.
The meeting was also an opportunity
for them to get to know one another
better.
Watch out for the opening of the DCCCO Siquijor Branch !!!

Page 2 KASANAG July—September 2009
EDITORIAL
Ondoy and Pepeng: A Wake Up Call
September 26, 2009, Ondoy
(International name: Ketsana)
brought in the worst rainful in 40
years to a large part of Luzon in just
few hours— a rainfall equivalent to
one month of rain. Few days later,
Pepeng (International name: Parma)
came adding more water to Luzon.
Both Ondoy and Pepeng caused
billions of damages and claimed
hundreds of lives. As reported in the
Manila Bulletin, about 699 died, 462
injured and 87 missing. With
thousands of houses and establishments
immersed in water and
agricultural products swept, a very
depressing picture could be seen.
These two destructive typhoons
have left us with two realizations:
First, when Mother Earth shows her
wrath, we are helpless, and second, in
the midst of crisis, we are there for
each other. During the height of
Ondoy and Pepeng’s devastation the
victims could only grieve over the loss
of lives and properties. The strong
current of water was too much for
them. Both the rich and the poor went
through the same emotional and
physiological pains.
In the midst of Ondoy and
Pepeng’s wrath, the Filipinos rushed
to the area severely hit to offer help,
unmindful of the danger ahead. In a
matter of hours, help from all parts of
the Philippines started to arrive to
uplift the morale of the victims. Two
giant tv networks reported that they
were able to raise millions of pledges
KASANAG
in cash and goods from kind-hearted
Filipinos. Hundreds of volunteers also
helped in the packing of relief goods.
DCCCO, on the other hand, did its
share by putting up an amount for the
victims. In the midst of calamities, we
have become united.
We have seen how helpless we can
be if Mother Earth strikes back on us
as a result of the abuse we have done
to her. It already happened in
Dumaguete last February 7, 2009.
After seven months since we
experienced it, have we done something
to restore Mother Earth? Ondoy
and Pepeng could be another wake up
call if nothing is done and global
warming will become worst.
DCCCO, in response to the call for
the restoration of Mother Earth,
planted 1,500 seedlings at Lake
Balanan last August and conducted
coastal clean-up at Piapi Beach last
September.
Although, we are far from Luzon, we
can still do something. We can effect
change. Thus, we are reiterating our
call for all our coop members to initiate
change like proper waste disposal
and tree planting in their respective
communities. Let us not wait for
another Ondoy and Pepeng before we
start restoring Mother Earth. It’s an
urgent call. Let’s do it NOW!!!
The Official Newsletter of the Dumaguete Cathedral Credit Cooperative (DCCCO)
Published by the DCCCO Office, Sta. Rosa St., Dumaguete City
Tel. Nos. (035) 422-8029/422-4493/422-5131/225-4701/226-1016
E-Mail Address: dccomain@globelines.com.ph Log-on to: www.dccco.com.ph
Consolacion C. Unabia - Editor-in-Chief Loreto P. Ib-ib - Artist Victoriano A. Aboy - Artist
Gaspar L. Arbas, Jr. - News Editor Ivy D. Pabillo - Lay-Out Artist MES Division - Circulation
Carmen P. Baylon - Feature Editor Gerald M. de la Cerna - Photographer
Contributors: Ma. Teresa P. Ragay, Emma S. Burlasa, Luningning D. Mondigo, Shiela Mae G. Talledo,
Norma T. Catan, Azucena O. Gonzales, Marcial S. Repollo

July—September 2009 KASANAG Page 3
Photograph courtesy of The Gardens Memorial Park, Cadawinonan, Dumaguete City
DCCCO Village Updates
As of September 30, 2009, there are
eleven (11) lot takers who are already
residing in the village. The Homeowners
Association was initially organized with
an interim set of officers. The association
meets regularly every last Sunday of
the month to discuss issues pertaining to
the village and for bonding purposes. A
monthly due of Two Hundred Pesos (P
200.00) is collected from each household
to serve as sinking fund for maintenance
and immediate needs of the
subdivision.
On the other hand, the concrete
perimeter fence is 95% complete; the rip
-rapping of the creek is 96% complete;
while the reinforced box culvert with
concrete approaches, is now finished and
passable. The gate and guard house are
also done. The construction of the basketball
court, stage and playground will
start soon.
Right Now, only eleven (11) Economic
A and two (2) Economic B units
are available for sale at P 2,100.00 and
P1,800.00 per square meter, respectively.
Interested members may visit the
Main Office and see Mrs. Emma S.
Burlasa, the BOD Secretary, for the
details.
MEMORIAL LOTS for SALE!!!
As of September 30, 2009, there are still 79
lots available at the The Gardens Memorial
Park, Cadawinonan, Dumaguete City.
These lots are offered for sale to the members
of DCCCO either in cash or on account –
member avails of a loan at DCCCO. Interested
members may contact the Treasurer at
225-4701 local 26 for details.
Hurry! Hurry! Hurry!
Foreclosed Properties for Sale
Price : PhP 2 Million (net)
Area : 411 square meters
Location: BPI Compound, Gov. Larena
Drive, Taclobo,
Dumaguete City
Price : PhP 1 Million (net)
Area : 310 square meters
Location: Pinero Subdivision, Mangnao-
Canal, Dumaguete City
Price : PhP 600,000.00(net)
**Negotiable
Area : 200 square meters
Location: Lower Batinguel,
Dumaguete City
Price : PhP 900,000.00
Area : 5,992 square meters
Location: Bonbonon, Siaton,
Negros Oriental

Page 4 KASANAG July—September 2009
1. RATIONALE
LENDING POLICIES
FINANCING LOAN (VEHICLES & APPLIANCES)
Nowadays, mobility and convenience
are two important words that come into
mind in order for one to cope with one’s
responsibilities and to become
responsive to the ever fast changing
environment. What was considered
luxury before is now a necessity. Thus,
vehicles and appliances are now
necessities in life for one to become
mobile and convenient. That is why, we
can see a lot of suppliers of these
vehicles and appliances not only in
cities but in municipalities, as well, to
provide the people with fast service
and on easy installment terms.
DCCCO, in order to be true to its vision
of providing excellent financial services
to its members, is challenged to
provide this kind of service. This is also
one way of addressing the Coop’s
excess liquidity which is just invested
as time deposits in banks and which
yield very minimal rate of interest.
2. STATEMENT OF PURPOSE
This Financing Loan for Vehicles and
Appliances is formulated to respond to
the needs of DCCCO members who
want to acquire service vehicles and
appliances on easy and affordable
installment terms. This will also help
the Cooperative address its problem of
excess liquidity.
3. ELIGIBILITY
Full-fledged members of DCCCO who
have the character and capacity to pay
are eligible to apply for this Financing
Loan. The member’s loan privilege will
depend on his/her credit standing,
status as a member, and his/her
capacity to pay as established by the
Credit/Background Investigator.
For loans above P300,000.00, the
member-borrower should be a member
in good standing for at least three (3)
years.
4. SECURITIES AND VALUATION
4.1 Certificate of Registration (CR) of
the vehicle and Certificate of
Ownership of the appliance(s)
shall remain in the name of
DCCCO. The Cooperative shall
execute a Deed of Sale upon full
payment of the loan. All expenses
relative thereto shall be borne by
the member-borrower.
4.2 The Co-maker shall be a member
of DCCCO in good standing who
has the capacity to pay.
4.3 An “on damage” insurance is
required to cover the period of the
loan at the expense of the member
-borrower.
4.4 The member-borrower has to
deposit at least 10% of the total
loan applied (includes the cost of
the vehicle or appliance and coop
charges). For example, if the
vehicle costs P 65,000.00 plus the
loan charges amounting to
P 5,000.00, then the member has
to deposit P7,000.00 as the
required equity. The member may
opt to deposit more than what is
required if he/she intends to avail
of a more affordable amortization
rate.
4.5 If the member’s share capital does
not reach P20,000.00, he/she shall
be required to put up the amount
as additional share capital.
Otherwise, the amount shall be
treated as Equity Savings Deposit.
4.6 This type of loan shall be covered
by the Loan Protection Plan (LPP)
which is P1.00 for every P1,000.00
unsecured amount. The amount
subject to the LPPP contribution
shall be the total amount of loan
minus the required share capital/
equity, as the case maybe.
(Example: Amount of Loan is
P70,000.00, less 10% (share
capital or equity) = P 63,000.00 –
this is the basis in the computation
of LPP)
5. REPAYMENT TERM
Generally, repayment term shall be as
set forth in the schedule. In special
circumstances, however, a member
may apply in writing to the Board for
special consideration for the temporary
suspension of payment or extension of
his term of payment, as the case may
be.
AMOUNT OF LOAN
REPAYMENT
TERM
P 2,000.00 or Less 15
2,001.00 - 2,500.00 16
2,501.00 - 3,000.00 17
3,001.00 - 3,500.00 18
3,501.00 - 4,500.00 19
4,501.00 - 5,000.00 20
5,001.00 - 8,000.00 21
8,001.00 - 11,000.00 22
11,001.00 - 14,000.00 23
14,001.00 - 17,000.00 24
17,001.00 - 20,000.00 25
20,001.00 - 30,000.00 26
30,001.00 – 40,000.00 27
40,001.00 - 50,000.00 28
50,001.00 - 60,000.00 29
60,001.00 - 70,000.00 30
70,001.00 - 80,000.00 31
80,001.00 – 90,000.00 32
90,001.00 – 100,000.00 33
100,001.00 – 110,000.00 34
110,001.00 – 120,000.00 35
120,001.00 – 130,000.00 36
130,001.00 – 140,000.00 37
140,001.00 – 150,000.00 38
150,001.00 – 160,000.00 39
160,001.00 – 170,000.00 40
170,001.00 – 180,000.00 41
180,001.00 – 190,000.00 42
190,001.00 – 200,000.00 43
200,001.00 – 210,000.00 44
210,001.00 – 220,000.00 45
220,001.00 – 230,000.00 46
230,001.00 – 240,000.00 47
240,001.00 – 250,000.00 48
250,001.00 – 260,000.00 49
260,001.00 – 270,000.00 50
270,001.00 – 280,000.00 51
280,001.00 – 290,000.00 52
290,001.00 – 300,000.00 53
300,001.00 – 310,000.00 54
310,001.00 – 320,000.00 55
320,001.00 – 330,000.00 56
330,001.00 – 340,000.00 57
340,001.00 – 350,000.00 58
350,001.00 – 360,000.00 59
360,001.00- and above 60
/cont. to page 5

July—September 2009 KASANAG Page 5
Financing Loan . . . from page 4
5.1 Loan payment shall start one
month after the loan was released.
5.2 Loan re-availment for another unit
shall be allowed only when at
least one-half of the loan amount
shall have been paid and the required
share capital/equity savings
deposit has been paid.
6. LOAN FEES AND CHARGES
6.1 This loan shall be charged a
monthly interest rate of 1.5%
straight and a penalty of 2% on all
amounts in arrears and a service
fee of 2%.
6.2 Freight and other incidental expenses
shall be borne by the
member-borrower.
6.3. No retention for share capital and
no advance interest shall be
charged on this type of loan.
7. GENERAL PROVISIONS
7.1 Three months after full-fledged
membership, a member may apply
for this loan facility, subject to existing
terms and conditions, regardless
of the amount of deposit
he/she has made for this purpose.
7.2 All loan applicants shall be subjected
to intensive and detailed
credit and background investigation
to ascertain his/her character
and capacity to pay. The result of
the investigation shall be the primary
basis for the approval or
disapproval of the loan application.
7.3 The member-borrower is given the
prerogative to choose the type,
model and brand of the unit to be
financed by DCCCO including its
source provided that the unit shall
be brand new coming from the
company/supplier.
7.4 The amount of loan shall be based
on the price of the unit plus the
Coop’s loan charges. The loan
shall be paid in equal monthly amortization
within the given payment
term. However, the memberborrower
is given the option to
accelerate payment.
7.5 DCCCO has the right to aumatically
repossess the unit and dispose
of such once the memberborrower
fails to pay at least three
(3) monthly amortizations, to
recover the loan balance and the
interest due thereon.
7.6 A member who has arrears in any
of his/her loan cannot be granted
another loan.
7.7 DCCCO shall pay the loan proceeds
directly to the dealer/
suppliers of the unit.
7.8 Renewal of the registration of the
unit shall be processed and paid
by DCCCO subject to reimbursement
by the member-borrower in
cash or to be incorporated in the
succeeding monthly amortizations
of the member-borrower.
Everybody, Somebody,
Anybody, and Nobody
This is a story about four people:
Everybody, Somebody, Anybody,
and Nobody. There was this important
job to be done and everybody
was asked to do it. Everybody was
sure that somebody would do it.
Anybody could have done it, but
nobody did it. Somebody got angry
about that because it was everybody's
job. Everybody thought that
anybody could do it, but nobody
realized that everybody wouldn't
do it.
It ended up that everybody blamed
somebody when actually nobody
asked anybody.
Be a DCCCO ATM Cardholder Now &
Avail of the 24-Hour ATM Service!!!
For more information, please visit the
Membership and Extension Services Division
(MESD), 1 st Floor, DCCCO Building,
Sta. Rosa Street, Dumaguete City.
Credit Union Micro-Finance
Innovation Program
*PAGBANSAY-BANSAY
Ang upat (4) ka mga miyembro nga
nabansay sa paghimo ug powder detergent
dishwashing liquid (DWL) and fabric
conditioner (Fabcon) nihatag usab
ug duha (2) ka hugna nga pagbansaybansay
alang sa mga interesado nga
mahibalo. Ang una nga pagbansaybansay
gipahigayon sa DCCCO alang sa
mga CUMI ug regular members kaniadtong
Hulyo 11, 2009. Ang ikaduha gihimo
sa Women’s Center sa CSWDO
alang sa mga miyembro sa nagkalainlaing
kapunungan sa siyudad niadtong
Setyembre 23, 2009, atol sa pagsaulog
sa Family Week.
Human sa mga pagbansay-bansay,
adunay mga grupo nga mipadayag sa
ilang kaikag sa paghimo sa maong mga
produkto. Sa pagkakaron, nangita pa
ang tigbansay-bansay ug “supplier” nga
makahatag sa gikinahanglan nga mga
“ingredients” tungod kay dili makasarang
sa pagsuplay ang Confederation
of Scientific and Professional Organizations
(COSPO) sa Cebu City.
** BAG-ONG GRUPO SA CUMI **
Malipayon nga gihimo ang inagurasyon
sa Batch 32 sa Lower Batinguel
ug graduwasyon sa “Learn and Save
Session” sa 10 ka miyembro niini. Gihimo
ang kalihukan sa maanindot nga
balay- kawayan ni Mrs. Melvin Koerkamp,
ang nag-organisa sa Basic Ecclesial
Community (BEC) sa Batinguel.
Gitambongan ang kalihukan ni Barangay
Kapitan Nick Ramirez ug sa iyang
asawa, ug mga representante gikan sa
PFCCO-VISCUL ug DCCCO.
Dungan sa maong kalihukan, gihatag
usab ang unang hulam alang sa 5 ka
mga gipili nga miyembro. Ang hulam
gidugang sa capital sa ilang ginagmay
nga negosyo sama sa paninda ug
pagkaon ug “sari-sari store”. Nagsugod
na sila pagbayad sa ilang hulam apil na
ang pagtigum ug tag P100.00 kada
adlaw.

Page 6 KASANAG July—September 2009
DCCCO conducts tree planting and coastal clean-up The PFCCO Network, through its
regional league – the Visayas Credit
Union League (VISCUL), sponsored a
two-day road show entitled “The Cooperative
Business Solutions Road
Show” held at Dao Bed and Breakfast
Hotel, Dao, Tagbilaran City, Bohol on
September 10-11, 2009.
The Officers and Staff of DCCCO
conducted a tree planting activity for
the second time, at Lake Balanan,
Siaton, Negros Oriental last August 23,
2009. Some 1,500 seedlings of different
kinds were provided by the Department
of Environment and Natural
Resources. Three families in the place
are adopted by DCCCO to take care of
the plants to ensure 100% survival.
Meanwhile, DCCCO also conducted
a coastal clean-up along Silliman
Beach, Dumaguete City last September
13, 2009. About 100 kilograms of garbage
were collected. The activity was
conducted in coordination with
Barangay Bantayan.
PFCCO introduces
IT for coops
The road show aimed to encourage
the primary cooperatives to adopt
the new information technology for
their business operations in order to
pro-actively respond to the economic
challenges and at the same time,
maximize opportunities in the face of
the present global economic crises.
Topics discussed included the
PLDT products which can be accessed
by primary cooperatives called the
PLDT Negosyo Boost which can
enhance the business of the cooperatives
and their members. These products
are 1) My Digital Subscriber Line
(DSL), 2) PLDT WeRoam Network
Components, 3) Security camera and
4) PLDT Asset Fast Track.
For 2010, PFCCO will launch
KOWOPS Biz for On Line Stores,
On Line Malls, On Line Auctions and
Promotion of the products and services
of the cooperatives and their members.
Meanwhile, PFCCO CEO David
Pajaron, Jr. discussed the topic on “A
Competitive Choice for Excellence in
Service and Soundness (ACCESS)
Branding”.
The road show was participated in
by DCCCO, NEMPCO, SUCCI,
NO-PNP MPC, VCDC, SBKCC and
KKCC.
The doorstep to the temple of wisdom
is a knowledge of our own ignorance.
Benjamin Franklin

July—September 2009 KASANAG Page 7
DCCCO attends forum . . . from page 1
The DCCCO group was spread
out among the three breakout groupings.
It was in these breakout
sessions that the delegates learned
much as they exchanged experiences
with other participating countries.
The day was capped with a Thailand
Night which showcased Thai
culture.
The third day was devoted to
plenaries and breakout sessions. It
ended with the International Night
where forum participants were encouraged
to dress up in their respective
national costume. It was also
announced that the next Asian
Credit Union Forum will be held in
Korea in 2010. Director Uy was lucky
to be one of the two winners for free
registration in the said forum. The
other winner was from Indonesia.
The general consensus in the
forum was that cooperatives are
surviving the ongoing global
financial crisis because of mutual
cooperation.
Food for the Rich:
SUTUKIL— Sugba Tula Kilaw
Food for the Poor:
GIPUSIL— Ginamos pus-an ug sili
Food for the Very Poor:
GITOOK— Ginamos gi-tungtongan
sa ok-ok
Policy Updating Conducted
DCCCO officers, staff and facilitators
were given updates on the new
loan policies specifically on Salary
Loan (MOA/ATM), Redemption Loan
and Financing Loan for Vehicles and
Appliances. The orientation seminar
was held last August 3, 2009 at the
DCCCO Main Office with Atty. Vivian
O. Maquiling, Policy Review Committee
Chairperson and Miss
Carmen P. Baylon, Credit Committee
Chairperson, as facilitators.
All sessions were lively and the
participants were thankful that such
policy updating was held.
PLDT conducts technology training to coops
The advent of computers
changed the way business is done.
Managem ent Inf orm ation
System Assistant Ivy D. Pabillo of
DCCCO, together with Emma S.
dela Cerna and Shiela G. Talledo of
the Philippine Federation of Credit
Cooperatives– Visayas Credit Union
League (PFCCO-VISCUL), attended
the PLDT technology training entitled
“Integrated Coopreneurial II Business
Management”. This was held
on September 2-3, 2009 at PLDT
TelTech Building, Boni Avenue,
Mandaluyong City.
The PLDT SME Nation, in its
objective to help small and medium
enterprise to get off the ground
through technology, came up with a
business enabling packages which
could improve the way business is
done. Highlights of the said training
and seminar were the orientation
regarding technology and how PLDT
SME Nation’s business solutions can
help Credit Cooperatives, presentation
of SME Nation packages and
their terms and conditions, proposal
of establishing the PFCCO Leagues
as a business center of SME Nation
for the primary Cooperatives, and
hands-on application of the Cooperative
website.

Page 8 KASANAG July—September 2009
2009 2008
Increase/(Decrease )
Amount %
Savings Mobilization 394,289,050.10 333,023,604.89 61,265,445.21 18%
Share Capital 349,254,499.77 309,957,915.58 39,296,584.19 13%
Net Loans Receivables 563,876,052.17 487,223,398.22 76,652,653.95 16%
Total Investments 164,949,015.53 98,308,105.70 66,640,909.83 68%
Total Property &
Equipment
From the General Manager’s Desk
by Felicidad L. Ruiz
62,601,400.96 54,067,829.74 8,533,571.22 16%
Total Assets 903,140,983.78 766,516,229.44 136,624,754.34 18%
Loans Released 456,090,466.00 300,357,200.00 155,733,266.00 52%
Loan Repayments 393,337,192.05 259,008,191.36 134,329,000.69 52%
Gross Income 102,696,099.73 86,308,179.00 16,387,920.73 19%
Net Surplus/(Loss) 44,846,322.27 41,649,406.78 3,196,915.49 8%
The Board of
Directors (BOD)
has decided that
DCCCO will not
trade directly in
the stocks since it is very risky. DCCCO
cannot also entrust the decision to one
person as trading needs immediate
decision-making.
*****************
DCCCO is now providing a counter
and a waiting area for senior citizens and
differently abled. Finance Officer Flora
Visminda S. Antique (Teller 1) is designated
to accommodate their transactions
on a “First-Come, First-Served” basis.
However, if their transactions are done
by their representatives, then the representatives
will have to follow the normal
procedure.
*******************
To reach out to its members in order
to serve them better, DCCCO will soon
open a branch office in the island of
Siquijor. Preparations are being finalized
with the target of being operational
before the end of the year. The office is
located at Estrella M. Ambalong
Building, Poblacion, Siquijor, Siquijor.
CONSOLIDATED FINANCIAL HIGHLIGHTS
(As of September 30, 2009 and 2008)
(in pesos)
Treasurer’s Potpourri
by Gaspar L. Arbas, Jr.
The results of operation for the 9-month
period ending September 30, 2009 showed
that DCCCO registered a favorable variance
of 14.49% over that of the budget for
the period. This is supported by the following
figures:
Bayawan Branch updates
by Felix C. Pino
Ang Siyudad sa Bayawan, ilalom
sa kamanduan ni Hon. German P.
Saraña, Jr., miaprobar sa hangyo sa pagpahigayon
ug “Inter-agency Basketball
Tournament” (Season 2). Kini gisalmutan
sa nagkalain-laing mga ahensya sa
siyudad sa Bayawan nga gi–isponsoran
sa Trenthshoppe Bayawan pinaagi ni
Mr. Lincoln M. Diao ug gipanguluhan ni
Karl Vincent Dumat-ol.
Ang DCCCO Bayawan Branch
misalmot sa maong torneyo uban sa
dose (12) ka mga grupo. Gisugdan kini
pinaagi sa usa ka parada libot sa siyudad
niadtong Oktubre 4, 2009 sa alas tres sa
hapon. Human sa maong parada gihimo
ang mobong pakigpulong gikan sa nagpatigayon
ug ingon man sa nagpaluyo sa
maong torneyo.
/cont. to page 9
MAIN OFFICE Actual Budgeted Variance
Total Income 81,025,641.49 85,837,395.35 (4,811,753.86)
Total Expenses 45,030,159.17 53,004,145.08 7,973,985.91
Undivided Net Surplus 35,995,482.32 32,833,250.27 3,162,232.05
BAIS BRANCH Actual Budgeted Variance
Total Income 9,158,859.18 10,104,092.97 (945,233.79)
Total Expenses 4,781,396.79 5,550,005.73 768,608.94
U.N. Surplus/(Loss) 4,377,462.39 4,554,087.24 (176,624.85)
BAYAWAN BRANCH Actual Budgeted Variance
Total Income 6,306,401.03 6,348,590.19 -42,189.16
Total Expenses 3,579,635.40 4,965,638.83 1,386,003.43
U.N. Surplus/(Loss) 2,726,765.63 1,382,951.36 1,343,814.27
GUIHULNGAN BR. Actual Budgeted Variance
Total Income 6,205,198.03 4,559,187.12 1,646,010.91
Total Expenses 4,458,586.10 4,170,769.21 -287,816.89
U.N. Surplus/(Loss) 1,746,611.93 388,417.91 1,358,194.02
CONSOLIDATED Actual Budgeted Variance
Total Income 102,696,099.73 106,849,265.62 -4,153,165.89
Total Expenses 57,849,777.46 67,677,069.05 9,827,291.59
U.N. Surplus/(Loss) 44,846,322.27 39,172,196.57 5,674,125.70

July—September 2009 KASANAG Page 9
DCCCO conducts Ownership
Meetings
With DCCCO’s desire to reach out
to its members, the officers and staff
conducted series of Ownership Meetings
in the following places: Bacong, Siaton,
Siquijor, Zamboaguita, Pob. Sibulan,
Tubtubon Sibulan, and Magatas Sibulan
for the months of August and
September. Its objectives are: to review
and/or know the coop’s lending policies
and guidelines, to update members on
the progress and development of the
cooperative, to inform members on the
financial and non-financial status of the
cooperative and to clarify issues and
concerns of members re: cooperative
business.
Indeed, there was an overwhelming
response form the members as
manifested on their response during
such gathering. They expressed their
gratitude to the opportunity to learn
more about DCCCO and get updated of
its various programs and services but
most importantly for being enlightened
on the changes in the loan policies.
Hence, they hope to become Member In
Good Standing (MIGS).
DCCCO bags were given, through a
raffle draw, to lucky participants after
the open forum.
Bayawan Branch updates ... from page 8
Ang atong Loans Officer sa Bayawan
Branch nga si Sir Jade A. Ciano maoy
nangulo sa “Oath of Sportmanship” ug kini
gisundan sa unang dula sa mga alas 6:30
sa gabi-i diha sa City Plaza.
Ang pagsalmot sa DCCCO Bayawan
Branch sa maong torneyo maoy timaan sa
suporta sa “Sports Activities” nga gipahigayon
sa siyudad ug ingon man pag lig-on
sa maayong relasyon sa tanan, pagpaugnat
sa kusog ug ilabi na ang pagpromote
sa maayong imahe sa DCCCO.
Sa ngalan sa DCCCO Bayawan Team,
among itonol ang kinasingkasing nga
pagpasalamat sa atong Hunta Direktiba sa
ilang pagsuporta ug paghatag sa uniporme
ug registration para sa maong torneyo.
100 Ways You can Love
Your Husband HIS Way
Author: Unknown
16. Recognize that the first few minutes after
a spouse comes home often sets the stage
for how the rest of the evening will go.
So try to make the first few minutes of
seeing him a positive experience. ( And
then ease into the negative if it’s necessary)
17. Make special time available to him apart
from the children.
18. Don’t allow any family member to treat
him disrespectfully. Be the one to defend
him to any family member that dishonors
his place as your husband.
19. Compliment him often.
20. Be creative when you express your love,
both in words and in actions.
21. Talk with him about having specific family
goals for each year to work on to
achieve together so you will both feel
closer to each other as a marital team.
22. Don’t over commit yourself. Leave time
for him.
23. Extend God’s grace to him and be forgiving
when he offends you.
24. Find ways to show him you need him.
25. Give him time to be alone. ( This energizes
him to reconnect at other times)
26. Admit your mistakes; don’t be afraid to
be humble. Peel away your pride.
27. Defend him to those who disrespectfully
talk about him. Remember that love
protects (1 Corinthians 13:7)
28. Respect his desire to do well—not his
performance.
29. Rub his feet or neck, or scratch his back
after a hard day.
30. Take time for the two of you to sit and
talk calmly (schedule it when necessary).
31. Initiate going out on romantic outings
(when he’s not tired).
32. Email him when he’s at work, telling him
how much you love him.
33. Surprise him with a fun gift of some kind
that he’d really enjoy.
34. Express how much you appreciate him for
working so hard to support the family.
35. Tell him how proud you are of him for
who he is (giving him specific reasons).
100 Ways to Show Love to Your Wife
HER Way
Author: Unknown
16. Allow her to teach you things without
being defensive.
17. Make it a point to spend special time
with her and with the children.
18. Show her that she matters more to you
than any activity you could do, or anyone
you could be with, that somehow
threatens her sense of security in your
marriage.
19. Be a good listener. Show her you value
what she says.
20. Plan a mini-honeymoon, where the
two of you can spend quality time together.
21. Go shopping with her and don’t sigh or
look at what time it is even once.
22. Take her out to breakfast or make her
breakfast (cleaning up afterward).
23. Make the time to set specific goals with
her to achieve together for each year.
24. Give her grace when she offends you and
forgive (even as you want to be forgiven).
25. Find ways to help her know you are her
partner in all areas of life.
26. Be polite, courteous, and mannerly with
her—not taking her for granted.
27. Admit your mistakes; ask forgiveness;
exhibit humility. She’ll appreciate that!
28. Defend her to others—especially to
your family.
29. Don’t belittle her intelligence.
30. Scratch her back, rub her feet, or rub her
neck—whatever she’d prefer .
31. Get up in the middle of the night (and
let her stay in bed) taking care of your
distressed child.
32. Be especially helpful when she is not
feeling well.
33. When you’ve been apart for a time and
she asks how your day went, don’t just
say “fine” - actually give her some details.
34. Thank God for her by name when the
two of you are playing together.
35. Try not to argue over money. Peacefully
discuss future expenditures
HELLO FRIENDS!
The remaining tips and ways
will be published next issue.

Page 10 KASANAG July— September 2009
DCCCO indeed is growing out at a
fast rate! More staff are added to serve its
members.
“Gie” is clearly a
charmer, someone
we can trust with
anything. She’s a
Management
Accountancy
graduate and
has always
hoped to be a part
of the DCCCO family.
“I’m glad at last I’ve made it. I always
wanted to serve the coop members
with love and concern,” she said. We can
always count on her to do the tasks
laid upon her. That’s our secretary to
the General Manager, Ms. Vangelyn R.
Acab, whose pretty face reflects sweetness
and grace.
Our cute, amiable and definitely
“small but terrible” 26-year old Certified
Public Accountant (CPA) is the Head
Bookkeeper assigned in the Accounting
Division of the DCCCO-Main. She had
worked in Cebu City for four years but
has decided to find better opportunities
in Dumaguete to be with her family in
Taclobo. “Working with DCCCO is a
different and wonderful experience. It is
A message from the Provincial Cooperative Development Council and Dumaguete Cathedral Credit Cooperative
INTRODUCING ...
so fulfilling
especially in
its social
involvement.
I’m so
grateful to be
part of the
DCCCO family,”
Sheree Mae B. It-it mused.
Juvelle A. de la Torre, an Accounting
Management graduate, is a Loans Analyst
of DCCCO Bais Branch. He’s hardworking
and quiet type.
According to him, working
with DCCCO enhanced his
outlook in life, and enable
him to interact with members
from different walks of
life. “Being able to see
the living conditions of
our members inspires and
encourages me to serve them the
best I can, living up to the mission and
vision of DCCCO,” he said with
determination.
Neil T. Estrao, a soft spoken gentleman
from Guihulngan, is
the new Loans Analyst of
the DCCCO Guihulngan
Branch. He is 30 years old,
finished Bachelor of Science
in Accountancy at St.
Paul University and
passed the board exam. He is married
with two kids. This CPA has also a
good Personal Relationship (PR) which
endeared him especially among his colleagues.
DCCCO Bayawan has also a newly
hired Loans Analyst who hails from
Valencia, Negros Oriental. He finished
Bachelor of Science in Marine Engineering.
This soft-spoken gentleman is
Rodrigo A. Capalac, Jr.
Asked how it is to be a
part of the DCCCO
workforce, he said that
he is fortunate to be
working in this prestigious
cooperative. “I
want to prove my
capacity and to contribute to
DCCCO’s more successful endeavors in
the years to come.”
DCCCO Main Management
Staff Update:
New Posts:
Mrs. Flordeliz V. Bokingkito
Manager, DCCCO Main Office
Mrs. Rosalie E. Katipunan
Head, Loans Processor
Mrs. Fe J. Pajunar-Ortega
Head, Loans Analyst
Ms. Gladys Mae R. Enario
Internal Auditor
Mrs. Renalyn C. Ongy
Loans Processing Assistant
Erratum:
Mr. RICHARD A. CATUBIG is
a FIELD ACCOUNTANT of
Energy Development
Corporation not the
AUDITOR as featured in the
March-June 2009 Issue.
Our apologies!

July—September 2009 KASANAG Page 11
DCCCO Collection Centers
DCCCO Members or their representatives
may deposit and/or pay loan obligations in
any of the following depository banks:
A. Rural Banks in Negros Oriental:
Rural Bank of Sibulan
Rural Bank of Valencia
Rural Bank of Bacong-Dumaguete Main Office
Rural Bank of Bacong-Bacong Branch
Rural Bank of Pamplona - Main Office
Rural Bank of Pamplona-San Jose Branch
Rural Bank of Amlan
B. Commercial Banks:
Account Name:
Dumaguete Cathedral Credit Cooperative
(DCCCO)
Name of Bank Account No.
BPI Savings Account No. 1083-0151-67
ABC Savings Account No. 0810-24973-2
PNB Savings Account No. 289254600032
MBTC Savings Account No. 110-3-11059465-9
BDO Savings Account No. 3400061217
CBC Savings Account No. 198-101941-0
UCPB Savings Account No. 301-118738-0
LBP Current Account No. 0292-1035-14
Instructions for Deposit to Commercial
Banks only:
1. On the day of deposit, sender/
depositor is requested to send details
of the deposit made via text, email
or fax message.
2. Information to be contained in the
text, e-mail or fax message must be
the following:
MAIN Office
Sta. Rosa. St., Dumaguete City
6200 Negros Oriental
(035) 225-4701 / 226-1016
Local #s:
(11) & (23) - HR Division
(12) - BOD Secretary
(13) - Loans Processing Section
(14) - Main Office Manager
(15) & (25) - Accounting Division
(16) - Internal Auditor
(17) & (20) - Finance Division
(18) - MIS Division
(19) & (24) - Membership & Ext.
Services (MES) Division
(26) - Treasurer
(21) - Delinquency Section
(22) - Security Guard
Complete Name of Sender/
Depositor
Amount Deposited
Date of Deposit
Name of Depository Bank
Purpose of Deposit
3. Sender/Depositor may send details
through :
DCCCO Cell No : (0915) 785-3635
E-mail Address :
dccomain@globelines.com.ph
Fax No : (035) 422-8029 /
422-4493 / 422 - 5131
4. DCCCO is obligated to credit the
deposit only on the following working
day after the deposit was made
upon receipt of a text, e-mail or fax
message.
5. In the absence of the text, e-mail or
fax message specifying the required
details, DCCCO will not update any
passbook.
6. If the sender/depositor does not
receive a reply or call from DCCCO,
it means that no message was
received by the Cooperative and so,
the details must be sent again.
7. The deposit made from places outside
the Philippines is reflected on
the bank passbook after three to
five banking days while those sent
within the country are credited to
the account of DCCCO on the day of
deposit.
/ ( 0 3 5 ) 4 2 2 - 8 0 2 9 / 4 2 2 - 4 4 9 3 /
422-5131
E-mail Address:
dccomain@globelines.com.ph - DCCCO
gm@dccco.com.ph - General Manager
mom@dccco.com.ph -Main Office Manager
gmenario@dccco.com.ph - Internal Auditor
treasurer@dccco.com.ph - Treasurer
ellen@dccco.com.ph - HR Officer
charliedgreat@dccco.com.ph - MES Officer
nolskie@dccco.com.ph - Loans Officer
visminda@dccco.com.ph - Finance Officer
rso@dccco.com.ph - MIS Officer
ivy@dccco.com.ph - MIS Assistant
Log-on to www.dccco.com.ph for news
and updates
VISION
DCCCO: A tower of
excellence in
financial services
MISSION
To uplift the quality
of life of its members
by providing
affordable and
accessible financial
and allied services
COOPERATIVE PLEDGE
As a Filipino
I am and I believe In the Cooperative.
Alone I am weak, but with others I am
strong.
So I commit myself to work,
to cooperate
For all to be prosperous.
Harmony, industry, I will value.
Cooperative affairs I will attend.
Responsibilities I will assume.
The cooperative philosophy I will live.
One vision, One belief, One feeling,
In cooperativism, my life I pledge.
So help me, God.
BAIS Branch
Plaza Center, Juan Luna St.,
Bais City, Negros Oriental
/ (035) 402-3368
BAYAWAN Branch
National Highway, Poblacion,
Bayawan City, Negros Oriental
/ (035) 228-3478 / 430-0170
GUIHULNGAN Branch
S. Villegas Street,
Guihulngan, Negros Oriental
/ (035) 410-3003/231-3309
Watch out for the opening of the DCCCO Siquijor Branch !!!

Oktubre
ACCU Forum in Thailand
Software Product Demo
Coastal Clean-Up & Tree
Planting
Ang “schedule” sa Pre-Membership Education Seminar (PMES) sa DCCCO Main Office magsugod sa
alas otso sa buntag (8:00 A.M.) hangtud sa alas dose sa mudto (12:00 N.N.) . Ang gabi-i nga “schedule”
magsugod sa alas sais hangtud sa alas diyes sa gabii- (6:00-10:00 P.M.). Para sa bulan sa Oktubre
hangtud sa Disyembre 2009, ang “schedule” mao ang mosunod:
3,10,17,24 ug 31 - Sabado
11 - Domingo
19(Night Session)- Lunes
Nobyembre
7,14,21,28 ug 29 - Sabado
8 - Domingo
16 (Night Session) - Lunes
Area Coordinators Updating
Ownership Meetings
Pre-Membership Education Seminar
Disyembre
5, 12, 19 ug 26 - Sabado
13 - Domingo
21 (Night Session)- Lunes