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English Edition: 2012 - 2013 PDF - Canadian Co-operative ...

face the of development

International Development Review • 2012-2013


Good things happen

when co-operatives GROW

The Face of Development

2

CO-OPERATIVE ENTERPRISES

are hard wired for growth. It begins with grouping

producers, their products and their knowledge

to achieve economies of scale. Pooling lowers

costs, attracts higher prices and secures sales.

Members improve the quality and quantity of the

goods they produce, adding value to achieve a

competitive edge they lack as individual producers.

Co-operatives use group power to brand their

goods, reaching beyond local markets and

selling when demand is high. As co-operatives

grow in size and assets, they join with other

co-operatives, creating shared enterprises to

refine, market and transport their products.

Credit unions provide affordable financial

services, including credit to finance small

businesses and pay expenses, savings to build a

nest egg, and insurance to reduce vulnerability.

Success breeds success as members experience the

co-operative advantage in action. Household incomes

improve as do savings, health and education. Apex

co-operatives bring members together for training and

education, and to influence government policy and

regulation so that co-operatives can continue to thrive.

Co-operatives benefit the communities they serve

creating jobs, responding to needs and sharing

knowledge and wealth to create new opportunities

for community growth and well being.

COVER PHOTO: Ali and Angawire Mwachande are from the community of Likuni in Malawi. Angawire is a member of the Khama Mpampha Pamtondo

of Ulimi Savings and Credit Co-operative. Pamtondo groups bring women together for financial literacy training,

and then for group loans for small business ventures. Angawire has started a small pig-rearing enterprise.

CCA is building

lasting,

locally owned

and managed

enterprises which

attend to the

social as well as

the economic

needs of

their members.


CCA is also growing. We’re

entering new countries (Myanmar, St. Vincent

and the Grenadines and Ethiopia) and working

with new partners (Myanmar Central Co-operative

Society, Self Help Africa, Ethio-Wetlands Natural

Resources Association, and St. Vincent and

Grenadines Co-operative League Limited).

And as we grow, we learn more about managing

co-operative growth to better serve the needs

of members. A new research project with the

International Development Research Centre and the

Centre for Co-operative Studies at the University of

Saskatchewan will help us better understand how

integrating financial and agricultural co-operatives

benefits families working their way out of poverty.

Big is beautiful when co-operatives grow and stay

responsive to members and their communities.

Co-operative enterprises enable

groups of people to do what individuals alone cannot

achieve.That’s the power of co-operation.”

– Jo-Anne Ferguson, Senior Director, International Development, CCA.

CCA’s 2013 calendar, featuring photos

taken by international program volunteers,

was a hit across Canada.

• CCA programs reached out to

over 2.8 million households in

18 developing countries this year.

• CCA managed over $9 million

in funding from a wide range

of supporters to establish and

strengthen co-operatives and

credit unions with 31 co-operative

partner organizations in Africa,

Asia and the Americas.

• CDF funds leveraged more than

$6 million from other sources

this year, an impressive 70% of

international development

program revenue.

International Development Review 2012-2013

3


Growth and environmental

sustainability go HAND-IN-HAND

The Face of Development

4

CCA is helping farmer co-operatives meet

market demands by adding value to their products,

building mills and storage depots, and connecting

farmers to finance and marketing facilities.

To achieve lasting growth and development, co-operatives

must protect and enhance the natural environments in

which they operate. CCA and its partners are taking a

long-term view of environmental stewardship, one which

builds environmental sustainability for future generations.

Our projects are helping co-operatives reduce greenhouse

gas emissions through fuel-efficient stoves, using more

efficient fuels, replanting trees for fuel and food, and

using conservation agriculture techniques to resist

drought and floods and conserve water and soil. This

improves the economic return for both agricultural

and small co-operative enterprises, helping them

repay loans, save more in their local credit unions, and

improve the living standards of individual members.

Members of Atahualpa Co-operative in the Peruvian Andes

are improving waste management practices to enhance the

appeal of their hot-springs tourist attraction and to protect

the health and nutrition of future

generations. Visitor numbers

ballooned from 10,000 in

2011 to nearly 40,000 in

2012, generating a five-fold

growth in co-op revenue.

Colombian farmers are using co-operatives to pool and improve their berry, cacao and vegetable crops,

and to reach new buyers beyond their local markets. CCA and its partner GESTANDO are strengthening

thirteen co-ops and plan to expand the reach of this successful work to other regions of the country.


CCA concluded its World Bank project

in Aceh, Indonesia this year as the marketing

co-op it established, KOPEMAS, continues to pool,

process and market its member co-operatives’ rice,

fish and snack chips.

In Rwanda,

CCA has begun a new

project to help fifteen producer co-operatives

improve production, processing, storage and

marketing. Yields will increase, the livelihoods of

22,000 farm families will improve, and consumers

will have access to better and more abundant

food supplies. Our partners are the Centre de

Services aux Coopératives de Gitarama and

the Centre for Co-op Research and Training.

In Ethiopia, CCA, Self Help Africa, and

Ethio-Wetlands Natural Resources Association are

working with 12,000 co-op farmers in the Amhara

region to help preserve that country’s breadbasket.

Farmers are adapting to current and predicted

climate changes by adopting drought resistant seed,

people powered irrigation pumps and minimum

tillage techniques. Farmers are accessing needed

credit and improving storage and marketing of the

vegetables, groundnuts, linseed

and garlic that they grow.

Garlic and linseed

• A long time developer of credit

unions in Ukraine, CCA is

returning with a new 5-year project

to help farmer co-operatives

store and market their grain.

• CCA and SEND-Ghana are

helping farmers in the Eastern

Corridor of the Northern

Region of Ghana improve their

livelihoods through co-operatives.

Twenty-four new family-based

farmer co-operatives and three

zonal marketing co-operatives

were registered this year.

Co-op farmers in northern

Uganda are making remarkable

progress since linking up

with area credit unions and

marketing co-operatives aided

by CCA and the Uganda

Co-operative Alliance. Farmers

are saving at least 15 per cent

on inputs and have grown their

revenue by 30 per cent.

International Development Review 2012-2013

5


BUSINESS SUCCESS is built

on a SOLID FOUNDATION

The Face of Development

6

Trust and confidence form the

foundation of every successful financial co-operative.

Canadians know that any single credit union failure

affects the credibility of the entire movement.

Co-operative values married with thoughtful regulation

and supervision provide quality assurance to savers

and borrowers alike. Sharing best practices within

and among credit union movements enables growth

in new areas and shortens learning curves.

This year CCA and its partners continued to foster

enabling co-operative legislation and regulation.

CCA again brought together credit union regulators

from across Africa to discuss ways and means of

strengthening credit unions through legislation and

regulation. The annual Regulators Roundtable, now

self-funded, is managed by the Africa Confederation

of Co-operative Savings & Credit Associations.

In Barbados, a team of four Canadian financial

experts fielded by CCA are developing strategic

and operational plans with the Financial Services

Commission (FSC), the island’s new regulator of all

non-bank financial institutions. CCA recently won

a contract to help the St. Vincent & Grenadines

Co-operative League to prepare business plans in light

of new regulatory requirements for credit unions.

When the Sierra Leone Department of Co-operatives

doubled its staff complement CCA organized

ground-breaking training on the new (to Sierra

Leone) model of credit union development.

New field officers and their supervisors

learned how credit unions, as inclusive

financial institutions, can ensure access

to affordable, productive financial

services for the poor in Sierra Leone.


CCA’s collaboration with the Irish League of Credit Unions to

revive Sierra Leone’s credit union movement saw the

number of credit unions grow from five to eleven this year.

Members of the Bayconfields Savings and Credit Union (left)

are proud of their financial institution.

• Micro insurance is the fastest

growing sector of co-operative

development in Southeast Asia,

owing in large part to CCA’s

micro insurance program in

the Philippines where fourteen

micro insurance mutual benefit

associations insure some

eight million Filipino lives.

CCA was singled out for

praise this year by Malawi’s Registrar of Financial

Institutions for providing strong technical support

to the statutory manager of the Malawi Union

of Savings and Credit Societies, who is working

to regain sound financial health for the country’s

largest single credit union, FINCOOP.

CCA and the Credit Union Association of

Ghana are ensuring that credit unions in

Ghana are financially sound,

competitive and providing safe,

affordable financial services that will

help move members out of poverty. Activities

include: forming new youth savings clubs,

improving women’s business practices,

preparing more credit unions to qualify

for deposit guarantee, and enrolling

women credit union managers in

CCA’s Women’s Mentorship Program.

Centre for Micro-Finance Deputy CEO Naresh Nepal (far left)

and Nepal Federation of Savings and Credit Co-operative

Unions Ltd. Program Officer Shivajee Sapkota (back row right).

pose with directors of the Barahi Mahila Multi-Purpose Co-op,

a women’s savings and credit co-op in Nepal.

• CCA concluded its work in Nepal

this year. Over 34,000 women now

have combined savings of over

$24.8 million. That's an average of

$713 per woman. They use these

savings to improve the lives of

their families, start new businesses

and educate their children.

International Development Review 2012-2013

7


Co-ops create BUSINESSES,

JOBS and OPPORTUNITY

The Face of Development

Co-operative enterprises are

just that…businesses owned and managed

by members with a purpose. CCA and its partners

employ co-operatives to generate opportunities and

prosperity for families to move out of poverty. As

well as bringing social and economic benefits to their

member owners, co-operatives spawn new businesses,

from micro home-based enterprises to firms with

small, medium and large revenue, assets and payrolls.

Whatever their size or product, co-operatives foster

businesses to employ people and generate wealth,

job skills and experience to open doors to future

prosperity, economic growth for communities in need,

and opportunities and hope for women and youth.

CCA and the International Co-operative Alliance

(ICA) are strengthening the voice of Africa’s

co-operatives through annual conferences of national

apexes, co-operative organizations, and associate

members of ICA–Africa. Together they represent

individual small farmers, savers, consumers and

micro-entrepreneur members of over 7,000 primary

and secondary co-operative organizations.

8


The mark of real and lasting

success is the inclusion, voice and confidence

co-operatives give to women, youth and those

less heard in society. Credit unions in Uganda

are working with schools in two districts to start

savings clubs to teach the habit of savings and

financial literacy to students. Africa has the fastestgrowing

and most youthful population in the

world. According to the International Labour Office

three-in-five of Africa's unemployed are youth.

Norandino export manager Santiago Paz Lopez

and La Siembra CEO Jennifer Williams with a

bag of organic fair trade Camino brown sugar.

Graduates of youth leadership programs across

Canada travelled to Ghana for training and a

forum with Ghanaian youth this year. You-LEAD is

an innovative way to encourage young people to

create their own jobs through new co-operatives.

Ottawa-based La Siembra Co-operative sells

Norandino Co-operative’s organic fair trade

brown sugar (panela) in Canada under the

brand name Camino. CCA is helping Norandino

meets its quality and volume commitments to

customers like La Siembra through technical

assistance and infrastructure investments.

Doll maker Anusha Samarawickrama

is growing her business with training

from the SANASA training centre in

Trincomalee, Sri Lanka.

• NORANDINO Co-operative in

Peru is making gender equity

visible with a cadre of male

extension workers who model

gender equitable behaviour in

their own families and in the

communities where they work.

• CCA’s partnership with the

Canadian Red Cross and the

SANASA Development Bank

continued to train people in

tsunami and conflict affected

regions. The project has

trained over 78,000 people in

livelihoods and leadership, issued

14,740 microfinance loans, and

insured over 35,000 people.

International Development Review 2012-2013

9


Canadians are REACHING OUT

to END POVERTY

The Face of Development

10

CCA mobilizes highly skilled employees and members from Canada’s co-operatives and credit

unions to share their knowledge as volunteers with CCA partners in developing countries. The

training, coaching, mentoring, research and analysis they provide builds business capacity,

improves skills, enables growth and helps members better govern their co-operative enterprises.

Partners move forward, strengthening their businesses, creating stronger networks and apex

organizations, and working with governments to create co-operative friendly legislation.

In Canada…

Credit unions across the country opened their doors

to 14 women credit union managers from Asia and

Africa, sharing their credit union operations and

policies for ten days of hands-on learning during

CCA’s 2012 Women’s Mentorship Program.

A landmark survey of graduates shows the

program boosts self-confidence, improves

management skills, creates innovations, grows

membership, and improves liquidity, profitability

and reputation. Loan delinquency has dropped,

new branches have opened and operations have

become more professional and expanded. More

women have access to credit. Standards of living

have improved. More children are in school and

new community programs are now in place.

Canadian credit unions have mentored

165 women managers from 18 developing

countries over the program’s ten years in service.

“Our membership

grew by 200

in just three

months after

using techniques

I acquired in

Canada."

– Susan Lamunu,

Manager, Ongako

SACCO, Uganda

(pictured above)


CCA hosted a delegation of co-operative

micro-insurance leaders from the Philippines,

including that nation's insurance commissioner.

After meeting with Canadian mutual and

co-operative insurance companies the commissioner

and the RIMANSI network of mutual benefits

associations committed to establishing an

additional layer of solvency protection to further

ensure that members' claims will be settled.

CCA also welcomed delegations of credit

union and co-operative leaders from

Vietnam, South Africa and Ukraine.

Overseas...

CCA recruited over 60 volunteers

from Canadian co-ops and

credit unions for international

missions this year. They included 23 volunteer

coaches who worked with credit unions in Mongolia,

Ghana and Uganda. They tested a number of

field tools CCA has designed to address common

challenges credit unions share, such as loans

management, governance and capitalization.

Sixteen individuals took on technical assignments

in seven countries, including longer-term missions

lasting between three and ten months. They

included an assignment to develop a strategic

plan for a micro-enterprise development unit

in Sri Lanka and, in the Philippines, helping

the National Confederation of Co-operatives

(NATCCO) develop a stabilization fund.

Seasoned co-operative experts helped

co-operatives in northern Uganda measure

their enterprises against international standards

using CCA’s Development Ladder Assessment

Tool, providing a snapshot of how the co-ops

are doing and a set of benchmark scores

for measuring progress moving forward.

When FINCOOP, the largest credit union in Malawi

was placed under supervision by the Registrar

of Co-operatives, CCA’s long time partner, the

Malawi Union of Savings and Credit Co-operatives,

was assigned to manage the troubled institution.

Three CCA volunteers on separate assignments

have helped to develop restructuring and loan

recovery plans for FINCOOP, as well as risk

management tools for the credit union system.

• CCA sent a deposit guarantee

professional to Ghana this year

to advise the Ghana Co-operative

Credit Union Association on its

deposit guarantee program.

• Fourteen university graduates took

up 6-12 month-long assignments

in Ghana, Uganda, Rwanda,

Malawi, Philippines, Cambodia and

Peru as part of CCA's International

Youth Internship Program (IYIP).

CCA interns posed for a group shot in

Ottawa before going overseas.

International Development Review 2012-2013

11


GROWTH by the NUMBERS

The growth and reach of CCA’s International development program was

made possible by the participation of our valued financial partners: the Co-operative

Development Foundation of Canada (CDF), the Canadian International Development

Agency (CIDA), the Canadian Red Cross (CRC), the World Bank, the Commonwealth

Secretariat, and the Government of Barbados. Our partnership with the Irish League

of Credit Unions brings additional resources to our work in Sierra Leone.

Canadian

International

Development

Agency

Agence

canadienne de

développement

international

The Face of Development

12

Revenues by Source: 2012-2013

TOTAL: $9,435,836

CIDA

$6,183,270

65.5%

World Bank

$1,260,345

13%

Canadian

Red Cross

$766,396

8%

$718,976

8%

Consultancy

$467,072

5%

Co-operative Development

Foundation of Canada

ILCUF

$39,777

.5%

Disbursements by Sectors: 2012-2013

TOTAL: $9,435,836

Agricultural Enterprise

$3,923,363

(41%)

Finance

$4,125,764

(44%)

Micro, Small

and Medium

Enterprise

$1,386,709

(15%)

“The road out of poverty is built by ordinary people using their co-operative

enterprises to make life better. Canada’s co-operators are a big part of their success.”

– Jill Kelly, President, CCA


Where in the WORLD

CCA and 31 partner organizations in 18 developing countries

established and strengthened credit unions and co-operatives

in Asia, Africa and the Americas this year.

Here’s where CCA worked:

• Barbados

St. Vincent and

Ethiopia

the Grenadines

Ghana

• Cambodia

Indonesia

Malawi

Colombia • Mongolia

Colombian berry farmer Susana Fino

says business has improved since she

and other farmers formed the

Coagroboyaca Co-operative.

Nepal • Peru

Philippines

• Rwanda

Sierra Leone

Sri Lanka

• Tanzania

• Uganda

• Vietnam

Thank you Women’s

Mentorship Program

host credit unions

Canada’s credit unions open their doors

and share their knowledge with visiting

women managers from credit unions

around the globe during CCA’s annual

Women’s Mentorship Program. We

thank the following credit unions for

their thoughtful mentorship in 2012:

• Vancity, Vancouver, BC



• Interior Savings Credit

Union, Kelowna, BC











First West Credit Union, Langley, BC

Prospera Credit Union, Kelowna, BC

Servus Credit Union, Slave Lake, AB

Lakeland Credit Union, Bonnyville, AB

Affinity Credit Union, Saskatoon, SK

TCU Financial, Saskatoon, SK

Conexus Credit Union, Regina, SK

Rosenort Credit Union, Rosenort, MB

Alterna Savings, Ottawa, ON

First Ontario Credit Union, Hamilton, ON

East Coast Credit Union, Dartmouth, NS

Leading Edge Credit Union,

Port aux Basques, NL

Farmers in Rwanda are using their

co-operatives to improve production,

storage and marketing of their crops.

• 138 Canadian volunteers

donated 2,255 days worth

over $1.4 million to CCA’s

international program this year

• CCA’s work in Africa has grown

substantially, from working

with 5 partners on 5 projects

in 4 countries in 2011 to

14 partners and 13 projects

in 8 countries in 2013.

International Development Review 2012-2013

13


The Co-operative Development

Foundation of Canada

The Face of Development

14

Building a Better World

The first complete year of the Co-operative

Development Foundation of Canada's (CDF)

Build a Better World Campaign was all about

growth. From the moment the campaign was

launched, the focus was on growing CDF revenue

in order to address poverty and inequity around

the world. The need is great and we have the

co-operative tools to make a difference in the

lives of people all over the developing world.

One year into the campaign we can pause briefly

to celebrate success. With more than $4 million

pledged or donated we are one third of the way

to our $12 million goal. With $8 million left to raise

we cannot afford to pause for long. There is a lot of

work to do, but already we can see the impact of

the campaign on the work in the field. More than

two thirds of the total CCA development budget last

year was directly leveraged with CDF funds. CDF

is delivering an opportunity for growth, and CCA is

effectively using that opportunity to create new and

better programs designed to Build a Better World.

“The Build a Better World Campaign illustrated the strength of our co-operative sector and

the importance of the international role that CDF plays. Real commitments, real vision and

real determination have insured that 2012 is not a date on a calendar, but a calendar of change.”

– Michael Barrett, President, CDF

CDF President, Michael Barrett

(right) was glad to help

Doug Wright of The Co-operators

raise funds for CDF through a

dramatic haircut. By donating his

hair, Mr. Wright raised $12,500

for the campaign.


A Global Force

for Global Good

The Co-operative Development Foundation

of Canada is a registered charity which

raises money to alleviate poverty. Its

contributions help CCA to undertake co-operative

development projects around the world.

In designing the Build a Better World Campaign,

CDF’s board of directors identified three clear

objectives for CDF’s fundraising work.

LEVERAGE our strengths: CDF helps to leverage

the financial and human power of the Canadian

co-operative movement for the benefit of people

living in poverty around the world. In turn, the

generous contributions of Canadians allow CCA

to access much larger pools of funding from

organizations such as the Canadian International

Development Agency. The projects that CCA is able

to deliver, as a result of CDF support, are built on the

success of previous investments and the experience

of local partners, leveraging the strength, resiliance,

and initiative of the very people who will benefit.

Take the LEAD: CDF’s support allows CCA to

help people in places where other funding is not

available. For example, CDF money is allowing CCA

to support the deserving people of Sierra Leone in

their efforts to re-build their credit union movement,

in spite of the fact that the large development

funders are not prepared to support this work.

CDF money allows CCA to follow its collective

conscience to work where the need is great and

where we know we can make a difference.

Leave a LEGACY: CDF launched its campaign

during the UN International Year of Co-operatives.

The energy generated during that year was

designed in part to leave a co-operative

legacy that will continue to grow in the

decade ahead. CDF’s work, from the

beginning, has been about building a legacy

of lasting prosperity among people who have

suffered because of poverty and inequality.

First Year Campaign Results

• More than $4 million has been

contributed or pledged.

• 400 individuals have contributed

for the first time, bringing

the total to 1,300 individuals.

Together they have contributed

approximately $200,000.

• 60 new organizational donors have

come on board – co-operatives,

credit unions and associations.

Banner from the

Build a Better World Campaign

International Development Review 2012-2013

15


join the campaign

It will take the combined effort and support of many people across Canada to reach our goal of $12 million.

Here are just a few ways you can support the Build a Better World Campaign and CDF’s work:

The Face of Development

16

Co-operative or Credit

Union Donations

Co-operatives and credit unions have a long and

proud history of support for worthy causes. For

many, CDF has been one of those causes – but

there are still many co-operatives and credit

unions that have not joined the campaign. The

Build a Better World Campaign is a wonderful

opportunity to add our own co-operative

development charity to the worthy causes

your credit union or co-operative supports.

Director Giving

There are more than 160,000 elected co-op and

credit union directors in Canada. We invite you

and your board of directors to pass a resolution

to forward at least one meeting per diem/

honorarium to CDF. Better yet, directors

can choose to become one time, or monthly

donors in support of this important cause.

Employee Giving

Working together toward a worthwhile

objective is a great way to build teamwork

and morale. CDF works with many

co-operatives across the country on

employee giving programs. We provide

all of the material and can work directly

with your Human Resources department

to implement. If you have a workplace

campaign through the United Way you

can designate your gift to CDF by simply

quoting our charitable registration number

(11887 5517 RR 0001) on your form.

The team at Pierceland Credit Union in

Saskatchewan are enjoying the comfort of

casual days by wearing their “I MY CU”

t-shirts, a CDF fundraising initiative driven by

the National Young Leaders Committee of

the Credit Union Central of Canada.


Honorary or Memorial Gifts

Celebrate the life of someone who was dear

to you by giving a gift in their memory.

Personal Donations

The Build a Better World Campaign has

brought hundreds of new individual donors into

the CDF family. Your personal gift to CDF, either

as a one-time donation or through monthly

giving, allows you to build a better world.

call (866) 266-7677, ext. 605

e-mail us at cdf@coopscanada.coop or visit us on-line at:

www.cdfcanada.coop

CDF’s second Journey Out of Poverty study tour to Peru in 2012

saw five co-op and credit union leaders visit Norandino/Cepicafe,

a co-operative of small scale sugar producers. The group included

Myrna Bentley, former CEO of Concentra Financial,

John Harvie, retired CEO of Co-op Atlantic, Leo LeBlanc,

Corporate Secretary and Vice-President of Human Resources and

Corporate Affairs of Co-op Atlantic, Alexandra Wilson,

Executive Director of the Agency for Co-operative Housing, and

Al Morin, President and CEO of Assiniboine Credit Union.

Host a Fundraising Event

As an individual or with your family, friends or

colleagues, host a fundraising event. Let us

know if you have a creative fundraising idea or

if you wish to discuss a fundraising event.

Leave a Planned Gift

Leaving a gift to CDF in your will is a unique way

to make a lasting and substantial contribution.

A planned gift can help you realize

To

donate

Cheques payable to the ‘Co-operative Development Foundation

of Canada’ can be sent to: 400 – 275 Bank Street, Ottawa, ON, K2P 2L6

All donations over $10 will be issued a tax receipt.

Charitable registration number: 11887 5517 RR0001

tax benefits in your current financial

planning and lower taxes for estate

beneficiaries. For more information

on Planned Giving, or to let CDF

know you have named us in your

will, please contact Julie Beckett

at 613-238-6711 ext 242.

CCA staffers climb past a glacier last summer as they close

in on the peak of Mount Kilimanjaro and $17,000 in pledges

to the Build a Better World Campaign.

• 8 organizations have

pledged or donated between

$100,000 and $500,000.

• 13 organizations have

pledged or donated between

$10,000 and $100,000.

• Many people have also found

creative ways to raise money.

More than $17,000 was raised

by three CCA staff who climbed

Kilimanjaro. Doug Wright of

The Co-operators raised over

$12,000 from a public hair cut.

International Development Review 2012-2013

17


GIVING CREDIT

where credit is DUE

The Face of Development

18

THANK YOU CDF DONORS

(2012-2013 DONATIONS OVER $5,000)

$100,000 and over

Federated Co-operatives Ltd.

Gay Lea Foods Co-operative Ltd.

$50,000 - $99,999

Affinity Credit Union

Concentra Financial Services Association

Credit Union Central Alberta

First West Credit Union

Saskatchewan Credit Unions

Vancity

$25,000 - $49,999

CAW - Social Justice Fund

Coast Capital Savings

Manitoba Council for

International Co-operation (MCIC)

National Young Leaders Committee

Servus Credit Union

The CUMIS Group

United Farmers of Alberta (UFA)

Westoba Credit Union

$10,000 - $24,999

Alterna Savings & Credit Union

Arctic Co-operatives Ltd.

Assiniboine Credit Union

Atlantic Credit Unions

Cambrian Credit Union

Co-op Atlantic

Credit Union Central of Manitoba

Credit Union Foundation of BC

Federation of Alberta Gas Co-ops

GROWMARK Inc.

Saskatchewan Council for International Co-operation (SCIC)

Steinbach Credit Union

$5,000 - $9,999

Access Credit Union

Communication Technologies Credit Union Ltd.

Credit Union Central of Canada

Glen Tully

Michael Barrett

Northern Savings Credit Union

Oceanrock Investments Inc.

The Flag Shop

The KPMG Foundation

Vic Huard

CDF BOARD OF DIRECTORS 2012-2013

Michael Barrett – Chair

Chief Operating Officer, Gay Lea Foods Co-operative Limited

Cheryl Byrne – Vice Chair

CEO CUSOURCE Credit Union Knowledge Network

VP Knowledge Services of Credit Union Central of Canada

Jill Kelly – Secretary-Treasurer

Retired CEO, CCEC Credit Union

Beryl Bauer (to September 2012)

Vice-Chair, Federated Co-operatives Ltd.

Barry Delaney

SVP, Business Development, First West Credit Union

Claude Gauthier

Ontario Region Director of Operations, GROWMARK Inc.

Wayne McLeod (to September 2012)

President & CEO, Westoba Credit Union

Darcy Mykytyshyn (from September 2012)

Director, Servus Credit Union

Mary Nirlungayuk (from September 2012)

Vice President, Corporate Services, Arctic Co-operatives Limited

Gary M. Seveny

Principal, Seveny Consultants & Associates

Sandy Wallace

1st Vice-Chair, Credit Union Central of Manitoba


Volunteers are turning poverty

into PROSPERITY

THANK YOU CCA/CDF VOLUNTEERS 2012-2013

Alice Afram

Kwabena Amoah

Linda Archer

Lucy Bamforth

Craig Barclay

Michael Barrett

William Barrett

Beryl Bauer

Myrna Bentley

Dana Blackwell

Gabi Bognar

Dale Boisclair

Jon Booren

Danika Brandvold

Rayanne Brennan

Michael Brin

Donna Bruce

Beth Bruesch

Joan Burdeniuk

Dan Burns

Jodi Chambers

Deborah Chatterton

Lacey Chyz

Carol Cisecki

Charlie Collura

Ashley Cook

Neil Cooper

Cindy Corrigan

Gene Creelman

Natalia Cruz

Barry Delaney

Barbara Dalzell

Blair Dixon

Bill Dobson

Richard Doerksen

David Domes

Paul Duncan

Noella Duncan

Deborah Edwards

Vanessa Elliott

Karim Esmail

Allan Esser

James Felsch

Leona Fleck

Anika Forde

Christopher Galloway

Elise Garand

Lisa Gaudry

Terry Geib

Barry Gosnell

Vera Goussaert

Sheelagh Greek

Heather Hale

Cindy Hanson

Sasha Hanson Pastran

Jim Harris

John Harvie

Murray Hidlebaugh

Carol Hunter

Danielle Nicole Huot

Heidi Hyokki

Siri Jackson-Wood

Jim Jarvis

Ken Jenner

Rick Juliusson

Scott Kennedy

Diane Kitching

Susan Klassen

Tracey Kliesch

Bill Knight

John Lahey

Jim Laverick

Leo Leblanc

Richard Lemoing

Lorri Lochrie

Catherine Ludgate

John Mach

Megan Malone

Joyce Mankarios

Dennis Matthies

Bev Maxim

Dixie Lee Mazuren

Karen McBride

Elaine McCullum

Nicholas McGee

Andy McGillivray

Adele McGuire

Marilyn McKee

Carolyn McPherson

Graham Mickleborough

Karen Miner

Al Morin

Andy Morrison

Jill Mulholland

Darcy Mykytyshyn

Jennifer Nelson

Erin Nesci

Yassaman Nouri

Mary Nirlungayuk

Heather O'Hare

Anthony Okuchi

Sarah Pervez

Patrice Pratt

Christine Racine

Trudy Rasmuson

Rene Ritchot

Rocio Ritchot

Bruce Rogers

Rosenort Credit Union

Edward Sauve

Serese Selanders

Gary Seveny

Ken Shea

Douglas Shumilak

Dave Sitaram

Derek Skogen

Laurie Smith

Kerr Smith

Bruce Smith

Morris Smysnuik

Shohreh Soltaninia

Jayne Taylor

Gwen Temmel

Norma Tomiczek

Rolf Traichel

Bryan Tudor

Glen Tully

Richard Turley

Carlo Valle

Miriam Valois

Kirsten Van Houten

Mark Ventry

CCA and CDF volunteers are empowering communities

around the globe. To join the team visit:

www.coopscanada.coop or

www.cdfcanada.coop

Sandy Wallace

Harvey Wedgewood

Jennifer Williams

Alexandra Wilson

Jason Worobec

Janet Zukowsky

Credit union communicators

travelled to Uganda this year to

observe CCA’s work linking

co-op farmers to financial and

marketing co-ops. Their stories

have appeared in newspapers,

magazines and on social media

across Canada.

CCA INTERNATIONAL

PROGRAM

COMMITTEE

MEMBERS, 2012-2013

Patrice Pratt, BC – Chair

Myrna Bentley, SK – Vice-Chair

Michael Barrett, ON

Dan Burns, BC

Terry Geib, AB

Scott Kennedy, ON

Dave Sitaram, ON

Norma Tomiczek, NS

Sandy Wallace, MB

Janet Zukowsky, PQ

International Development Review 2012-2013

19


Follow us on:

www.twitter.com/CoopsCanada

www.facebook.com/CoopsInCanada

JOIN the team

CCA volunteer coach Charlie Collura, CEO of Healthcare and Municipal

Employees Credit Union in Hamilton, ON (left) shakes hands with wheat farmer

"Choko" during the 2012 Mongolia coaching mission. Choko is the board

chairperson of Khas Byan Ulzitt Savings and Credit Co-operative about 100 km

north of Ulaanbaatar. He says credit union loans have made it possible for him to

grow his farm into a successful business.

• Give back to others

• Share your knowledge

• Live the co-operative values

become a CCA volunteer.

Check out: www.coopscanada.coop or write to:

Sarah.Feldberg@coopscanada.coop

See it all at the CCA Cinema:

www.ccacinema.coopscanada.coop

Printed on Forest Stewardship

Council-certified,

post-consumer recycled paper.

Design and Production:

Green Communication Design inc.

www.greencom.ca

Les programmes de l‘Association des coopératives du Canada

sont réalisés avec l’appui financier du gouvernement du

Canada accordé par l’entremise de l’Agence canadienne de

développement international (ACDI).

Canadian

International

Development

Agency

Agence

canadienne de

développement

international

Canadian Co-operative Association programs are

undertaken with the financial support of the Government

of Canada provided through the Canadian International

Development Agency (CIDA).

The Canadian Co-operative Association is

a national organization for co-operatives

and credit unions. We are a not-for-profit

co-operative owned by our members.

Our mission is to provide leadership to

promote, develop and unite co-operatives

in Canada and around the world.

CANADIAN CO-OPERATIVE ASSOCIATION

400 – 275 Bank Street, Ottawa, Canada K2P 2L6

Tel: (613) 238-6711 Ext. 207 • Fax: (613) 567-0658

Toll Free: (866) 266-7677 Ext. 207

Email: international@coopscanada.coop

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