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

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A P P E N D I X J : A D D I T I O N A L C A S E S T U D I E S ~Quint’s largest expense—74.35 percent—is wages and benefits, although only 28.54 percentgoes to core administration. The remaining 45.81 percent is allocated to the programmes.Every programme operates independently from Quint and is a self-sufficient unit, althoughQuint provides all the necessary funds. These programmes pay wages to administrators,instructors, and project workers, who are almost entirely drawn from within the community.While incorporated as a not-for-profit development corporation, Quint encourages thedevelopment of co-operatives to implement many of the objectives within its mandate.Quint: Housing Co-operativeCitizens determined to improve the condition of their lives and their neighbourhoods cametogether in 1995, deciding that community economic development would enable them totake control of their well being. The highest priority identified by the surveyed communitymembers was improved and affordable housing. Quint, together with the Saskatchewangovernment, the City of Saskatoon, and local businesses, has made this possible for some.Quint Housing Co-operative (QHC) was formed in 1997 through Quint’s Affordable HomeOwnership Programme (AHP). QHC purchased ten homes within the five communities,renovated these homes, and placed ten families, seven of whom were Aboriginal, who hadpreviously been in rental accommodations. By 31 March 1999, Quint had formed two morehousing co-operatives, each comprising ten homes and families: C.O.R.E. Housing Cooperative(Communities Organizing Roots for Everyone) and Good Neighbour Housing Cooperative.Since that time, Quint has formed another two: Millennium Housing Co-operativeand H.E.A.R.T. (Healthy Environment and Roofs Together) Housing Co-operative.Members of the housing co-operatives are chosen based on a number of factors: total familyincome below $30,000, children under the age of eighteen, inability to secure financingthrough traditional institutions, and support for co-operative ideals. Additional but not requiredfactors are commitment to the community and various practical skills. A number of homeownersare recipients of social services.To finance the purchase, a forgivable loan from the Saskatchewan government through theSaskatchewan Housing Corporation (SHC) provides 25 percent of the mortgage, and a grantfrom the City of Saskatoon covers 5 percent. For the first five years, the housing co-operativeowns the title to the home, though each payment by the resident family goes towards themortgage. In addition to the mortgage principle, monthly payments include insurance, propertytaxes, contribution to the emergency repair fund, and Quint administration,. At the end of thefive years, the SHC loan is forgiven and the family has the option to assume the title. St.394 ~ H I P K I N / F E R N A N D E S
~ T W O H O U S I N G C O - O P E R A T I V E SMary’s Credit Union, Saskatoon Credit Union, and Co-operative Trust have agreed to providemortgages for co-op members who have remained in good standing by consistently andpromptly making their mortgage payments. The family also has the option to leave the cooperativeat this point, but may stay for as long as they like, whether or not they assume themortgage.SHC and the city also contribute $900 per home for renovations and a $2,000 emergencyrepair fund for the first three years. Each home-owner contributes $50 monthly to this fund,which is available for such things as water heaters. In addition, the co-operatives provide shorttermloans to home-owners for home improvements.Quint encourages participants to work together to improve their economic and social wellbeing, and through its Affordable Home Ownership Programme it is helping to achieve manyother community economic development goals.Improving and Stabilizing Family Living Situations within the CommunityQuint has renovated houses to ensure that families are moving into clean and structurallysound homes. As these families obtain permanent housing, neighbourhood stability increases,resulting in important benefits for both adults and children. For adults, stability helps increasea sense of ownership in the community, and feelings of self-determination and self-worth. Forchildren, this stability reduces some of the barriers to education and assists them in developingroots in the community.Decreasing Social Costs Related to Poor and Unstable Housing ConditionsMany rental properties are not well kept by the landlords, and tenants are often unable to makemany changes to the structure on their own. These two factors combined can lead to a lack ofpride in one’s home, and often, a lack of pride in oneself. For the children involved in thesesituations, instability prevents them from developing long-term friends and relationships.Moving frequently is a serious impediment to the learning process, interrupting their schoolingand diminishing the importance of education.Reducing Poverty and Hunger by Creating Affordable Housing AlternativesFor those employed in low-income occupations, decreased housing costs release some of thefamily funds, which can be used for other fundamental needs such as food and clothing. 33 This does not apply to social services recipients, as their housing allocation simply decreases in direct proportionto the reduction in their housing payments.~ 395
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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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~ C O - O P S I N Q U É B E C A B
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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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A P P E N D I X I ~local school and
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A P P E N D I X I ~We found that th
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