Aboriginal Co-operatives in Canada - Centre for the Study of Co ...

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A P P E N D I XJAdditional Case StudiesTwo Housing Co-operativesNew Beginnings Housing Co-operativePrince Albert, SaskatchewanCase Study Analysis Prepared by Juliano TuponeThe New Beginnings Housing Co-operative is a community-based development initiativeestablished in Prince Albert, Saskatchewan. The purpose of the co-op is to fill the economicvoid created by run-down homes and vacant lots in older neighbourhoods of the city. Asecond, but equally important, goal of the co-op is to develop a programme to revitalizeproperties and provide an opportunity for those unable to qualify for a mortgage to becomehomeowners. The New Beginnings Housing Co-operative purchases homes in need of repairin consultation with a realtor. Homes are matched to co-op members on a waiting list.HistoryThe New Beginnings Housing Co-operative initiative began in 1996, when a CommunityHousing Advisory Committee was established in the city of Prince Albert. Interest rates atthis time were quite low and because of this a number of people were able to afford mortgagepayments on homes, but were not able to acquire the money for a down payment. The committeewas made up of Floyd Baldwin, a real estate agent who played a key role in thecommittee’s formation, representatives from the city of Prince Albert, Prince Albert CreditUnion, Postsecondary Education, and Social Services. The committee found significantcommunity interest in establishing a housing co-operative—150 people, which resulted inseventy-one applications being filled out in anticipation of the co-op’s formation.The co-op targeted low-income families, those with a household income not exceeding$30,000. Applicants underwent a ninety-day credit check, as opposed to the typical five-yearcheck. Twenty applicants were chosen from the seventy-one applications to start the co-op. Anapplication was made to Home Grown Solutions for a grant to hire a co-ordinator, and whenthe grant was confirmed in September of 1996, the co-op got under way. The first meeting washeld in December of that year with the families in attendance, and the co-op was incorporated.The co-op took possession of the first home in February of 1997. This particular property waspurchased for $20,000 and required renovations. The Prince Albert Credit Union wanted390 ~ T U P O N E
~ T W O H O U S I N G C O - O P E R A T I V E Sappraisals of the home to include the value of the property after renovations had been completed.In order to acquire the down payment for the home, a system was developed that woulduse equity from the home after renovations. If the value of the home was 33 percent above thepurchase price plus the cost of materials, then the resulting equity would be used as the downpayment for the home. The first home was appraised at $42,000 after renovations were completed.Three homes were purchased using this method. Afterwards, to assist the co-op,Saskatchewan Housing offered 0 percent loans for down payments on houses.Community Involvement and ImpactThere was a great deal of support from the community to start the New Beginnings HousingCo-operative. Representatives from various organizations participated in the CommunityHousing Advisory Committee, and there was also significant support from local merchants andthe public. The City of Prince Albert provided a contribution of $1,875 per home; the Provinceof Saskatchewan contributed $7,5000 per home via 0 percent interest loans; Prince AlbertCredit Union provided mortgage financing up to 75 percent of the appraised value of homesafter renovations; and CHC Home Grown Solutions provided a grant of $20,000 to the CommunityHousing Advisory group to form the housing co-operative and hire a co-ordinator.Support for New Beginnings from other co-operatives came primarily from the Prince AlbertCredit Union. In addition, Co-operators Insurance provided insurance for the homes. Thecredit union provided $750,000 mortgage financing and an additional $250,000 for renovations.The Co-operators provided the first year of home insurance pro-bono. In contrast, therewas little support from the local retail co-operative. New Beginnings would like to see morehelp from the Prince Albert Co-op for building materials, as other local merchants have offeredassistance by providing renovation and building materials at discounted rates.New Beginnings has a very active membership, and holds regular meetings as well as otherco-op functions. A lot of community activity takes place as a result of the co-operative structure.There is an annual barbecue, for instance, a Christmas party, and a landscaping contest.Everyone works together and there is a great deal of support for co-op members. The board ofdirectors has nine members, with five male and four female directors. All directors are membersof the co-op, with homes. Approximately 75 percent of the co-op members/home ownersare Aboriginal.Barriers to DevelopmentNew Beginnings has not faced many difficulties since its founding. Initially, financing thepurchase of homes posed some problems, but once the co-op had secured financing, thesediminished.~ 391
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A REPORT ONAboriginalCo-operativesi
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Copyright © 2001 Centre for the St
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A B O R I G I N A L C O - O P E R A
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A B O R I G I N A L C O - O P E R A
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Table of ContentsExecutive Summary
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F O R E W O R DThe Nature of This S
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~ F O R E W O R DCo-operatives are
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C H A P T E RO N EThe Current State
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~ T H E C U R R E N T S T A T EGove
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~ T H E C U R R E N T S T A T EFirs
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~ T H E C U R R E N T S T A T ESelf
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~ T H E C U R R E N T S T A T EUnde
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~ T H E C U R R E N T S T A T EThir
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~ T H E C U R R E N T S T A T Eretu
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~ T H E C U R R E N T S T A T Ehave
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~ T H E C U R R E N T S T A T Epatt
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~ T H E C U R R E N T S T A T EOngo
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~ T H E C U R R E N T S T A T Epote
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~ E M E R G I N G T H E M E SThe ne
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~ E M E R G I N G T H E M E SEmergi
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~ E M E R G I N G T H E M E Sl’Ou
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~ E M E R G I N G T H E M E SConclu
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~ E M E R G I N G T H E M E SAkochi
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~ E M E R G I N G T H E M E SManage
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~ E M E R G I N G T H E M E SConclu
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~ T H E P O T E N T I A L F O R G R
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APPENDIX APART 1Socio-Economic Prof
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5. Relative performance of consumer
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Every year, the Co-operatives Secre
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1. Formation of Aboriginal Co-ops a
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is even more striking when we look
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The dichotomous structure ofactivit
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2.2 Sectoraldistribution ofAborigin
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in sectors that are more labor inte
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77Table 2.3 ACTIVITIES OF A SAMPLE
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3. Organization of Aboriginal co-op
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The selling of Inuit art by individ
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caisses populaires Desjardins. The
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Both the Federal and Provincial Gov
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4.2 Sales GrowthIn this section, we
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products (basically food and hardwa
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in employment between 1993 and 1997
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health of co-ops in general. Unlike
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“overcapitalization” by Aborigi
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5. Relative Performance of Consumer
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5.3 Consumer Products and Food Sale
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The “Aboriginal” member spends
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to other consumer co-ops.It was als
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Aboriginal) are more liquid than th
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6.2 EmploymentFigure 6.2 shows the
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Aboriginal workers could receive el
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of two major components: property (
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In short, Inuit co-ops are an impor
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115Table 6.3 Selected Statistics of
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some analysis that we felt was impo
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Aboriginal co-ops remain active in
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Indian Affairs and Northern Develop
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HIGHLIGHTS• Population, including
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PopulationFigure A.1 Population in
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Table A.1 Public School Enrollments
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Table A.4 Aboriginal Employment Rat
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were 13.7% and 20.7% respectively,
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Consumer Price Index (CPI)Figure A.
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D. Finance and InvestmentThis secti
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BibliographyCensus Dictionary, Fina
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FIGURE B1 A MAP OF CANADIAN ABORIGI
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~ P E R S P E C T I V E S O F R E G
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2.0 INCREASING SELF-RELIANCE2.1 LAN
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CANADA MORTGAGE AND HOUSING CORPORA
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3.0 SUPPORTIVE BUSINESS ENVIRONMENT
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INDIAN AND NORTHERN AFFAIRS CANADA1
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1.4 INNOVATION (FINANCIAL AND NON-F
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2.2 WORKFORCE TRAINING AND EXPERIEN
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3.2 CONNECTEDNESS INITIATIVESProgra
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2.3 SOCIAL ASSISTANCE REFORMProgram
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Part 3: Provincial/Territorial Init
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~ P R O V I N C I A L / T E R R I T
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A P P E N D I XCCo-operatives in Qu
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Bibliography[Quotes in the body of
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~ C O - O P E R A T I V E S A N D C
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~ S T A T E M E N T O N T H E C O -
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~ M E T H O D O L O G Y2. In-Person
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~ M E T H O D O L O G Yissues; area
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A P P E N D I XHCase Study Guidelin
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~ C A S E S T U D I E SA P P E N D
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~ C A S E S T U D I E Sthe main foc
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~ C A S E S T U D I E Sthey sold, t
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~ C A S E S T U D I E Sboth in Sask
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~ C A S E S T U D I E Sestimate the
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~ C A S E S T U D I E SThey are les
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A P P E N D I X I ~have been diffic
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A P P E N D I X I ~arts and crafts.
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A P P E N D I X I ~288 ~
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~ C A S E S T U D I E SIkaluktutiak
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A P P E N D I X I ~In order to meet
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A P P E N D I X I ~and recently dra
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A P P E N D I X I ~The bakery was s
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A P P E N D I X I ~Bill describes h
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A P P E N D I X I ~Reasons for Succ
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A P P E N D I X I ~Bill states, “
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A P P E N D I X I ~The future looks
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A P P E N D I X I ~communities in C
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A P P E N D I X I ~third parties wh
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A P P E N D I X I ~measure of confi
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A P P E N D I X I ~BibliographyPape
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A P P E N D I X I ~number of areas,
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A P P E N D I X I ~although the org
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A P P E N D I X I ~BibliographyPape
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A P P E N D I X I ~Apaqtukewaq Fish
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A P P E N D I X I ~ManagementIn the
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A P P E N D I X I ~Anishinabek Nati
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A P P E N D I X I ~termed Aborigina
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A P P E N D I X I ~Profitable Proje
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A P P E N D I X I ~ANCU will only b
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A P P E N D I X I ~3. Funding is se
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A P P E N D I X I ~knowledgeable ab
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A P P E N D I X I ~Native Inter-Tri
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A P P E N D I X I ~are both working
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