This action might not be possible to undo. Are you sure you want to continue?
Barangay Paleg, Dinalungan, Aurora 3206 CDA Registration No.: 9520 0300 7630 9/2/2012
A Business Plan for CY 2013 to 2015
Agricultural Input Trading
The Project involves the expansion of the input trading for corn and swine production implemented by the cooperative two years ago. These projects were funded through the Agribusiness and Agricultural Development Component of Agrarian Reform Infrastructure Support Project (ARISP) III and the Livelihood Enterprise and Agricultural Development Expansion (LEAD). ARISP III and LEAD infused P 250,000 and 75,000 respectively. Expansion of the project involves collective buying, lending and selling of farm inputs, increasing capital, project reach and improvement of storage facilities.
Alan O. Ibale
1 Market Overview 3. Marketing Aspects 3.2 Funds Sought and Usage 5.2 Manpower Requirement 4.8 The Board of Directors 3. Warehousing and Storage 4.2 Project Timetable 7.3.2 Production.2 Market Segment and Growth Potentials 3.5 Analysis of Competition 3.1 Financial Performance of TCISMPC Income Statement Cash flow Statement Balance Sheet 5.7 Technical Support 2.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 2 of 16 Table of Contents 1.3 Manpower Hiring Schedule 4. Financial Aspect 5.3. Executive Summary 2.6 Key Officers 2.9 Pricing Strategy 4.7 Raw Material Sourcing and Procurement Strategy 3.3. Social and Economic Aspect 6.1 Current Situation and Future Outlook 2.1 Supply of Raw Material 4. Operational Aspect 4.1 Business Risks 6.4 Supply and Demand Analysis 3.3 Manpower 4. Appendices .3 Vision 2.4 Business Objectives 2.3 Target market 3.4 Project Timetable 5.6 Product/Service Features 3.1 General Administration Policy 4. Business Description 2.5 Major Strategies 2.8 Production Strategy 3.2 Mission 2.3 Financial and Economic Viability of the Project 6.
the cooperative was able to access agricultural loans from the Department of Agrarian Reform and Department of Agriculture. In 2010.500 Department of Agriculture 300.000. Executive Summary The agricultural input trading of the Talaytay Communal Irrigation System Multi Purpose Cooperative (TCISMPC) started two years ago. for both projects. project reach. This fund was used to establish the swine production.00 from the Livelihood. After the successful production cycles. the cooperative was granted with P 250. the cooperative finally decided to consolidate the funds and improve the agro-enterprise model by expanding its capital base. The cooperative was also granted with P 75. Enterprise and Agricultural Development (LEAD). The Agricultural Input Trading requires P 700.000 49.000. This fund was used for corn production for three cropping seasons.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 3 of 16 1.000.000 300.500 Sub total P 600.000 .500 P 700.00.500 49. broken down as follows: Fund source in Peso Purpose Revolving capital Admin expense Freight Expense Total Project Cost TCISMPC 300.000 49.500 349. improving storage facilities and engaging institutional markets in the province. Through the Agribusiness and Agricultural Development (AAD) Component of the Agrarian Reform Infrastructure Support Project III.000 Agri Supply 49.500 49.
000 as of Dec 2012 DF. consolidating of produce. CDA. MARO. It procures farm inputs in bulk. and selling of consumer and agricultural goods. PCO. DA. Business Description 2. External Threats Lack of capital to expand Coop has no office High cost of rent for coop store Limited space for storage Lack of fund for construction of store building External Opportunities Internal Strengths Unfavorable weather conditions Competitors Loan usurers Middle men On and off supply of electricity` .000) With regular storekeeper coop acquired a commercial lot With active BOD and management 4 Cluster coordinators act as loan officers Members continued patronage Less than 5% loan delinquency Borrowers are productive farmers Management & BOD have meets regularly Coop has segregated books of accounts With audited financial statements Coop has Vision. lend them to farmers and collectively sell the produce to local market. 2.2 Current Situation and Future Outlook Below is the internal and external environment that affects the Agricultural Input Trading in the ARC and in Dinalungan. communication and transport facilities will facilitate purchasing and storing of merchandises. it operates a retail store. DTI. Aurora. the expansion of agricultural trading is inevitable and timely. The expertise of the TCISMPC management and Board of Directors in retailing and lending is another essential element in sustaining the proposed expansion.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 4 of 16 2.000 Increase in Net Surplus (P1. Mission. CDA extend support DAR AAD-ARISP III Presence of local funding agencies Presence of partner agricultural store/buyer Good road networks Cellular phone facilities in the ARC Presence of free port zone in Casiguran Local tourism is booming Presence of ASCOT campus Presence of irrigation.400 to P77. situated at Paleg. TAPI assist coop regularly Brgy Hall used as meeting/training venues DAR provides trainings on enterprise dev’t DA. LGUs. Aurora that sells consumer goods to members and the community in general. Finally. With the current environment. It also provides emergency loan to its members. DTI and other stakeholders will ensure availability of technical assistance in managing a retailing business. Revolving capital is P 300. Agricultural infrastructures. PCO. Dinalungan. The members receive patronage refund and interest on share capital derived from the operations of said businesses. Local field personnel from DAR. Goals Presence of operations manual Well trained BOD and Management staff Share capital is P 110. FMR and PWS Vast area for corn production Local technology on corn is matured Presence of a warehouse owned by LGU Internal Weaknesses The availability of financial resources from the funding agencies will help expand the agricultural trading project. lending and retailing businesses.1 The Cooperative and its Businesses TCISMPC is currently engaged in collective buying-and-selling. A commissionbased store keeper manages the daily operation of the store. LGU.
Employ and Train a Project Team 7.5 Business Objectives The objectives of the Agricultural Input Trading are as follows: 1. Procure agricultural inputs in bulk worth P 600. “Ang Talaytay Communal Irrigation MPC ay isang matatag na kooperatiba sa Dinalungan. Aurora. Collect savings retention 2.000. with good paying record and active in organizational and training activities 4. 2. training. pagsasapamilihan at probidensyal na serbisyo. marketing and providential services for its shareholders. retailing. transport of agricultural inputs and bulk buying of corn. Forge market agreement with at least 1 local agricultural supply store. 3. This agreement will cover supply. Engage assistance of agricultural technologists and experts who will assist the cooperators of corn production 6. production.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 5 of 16 2. Forge market agreement with 1 local agricultural supply store 4.6 Major Strategies To ensure the effective implementation of the project the following strategies will be employed: 1. Acquire loan or grant from funding agencies to augment the revolving capital of Agricultural Input Trading. “Ang Talaytay Communal Irrigation MPC ay isang pampinansyal na institusyon na pag-aari at pinamamahalaan ng mga magasasaka na may programa sa pagpapautang. Open a separate bank account and prepare a set of book of accounts for the agricultural input trading . pagsasanay. Organize at least three (3) production clusters 5.3 Mission TCISMPC provides lending. pagtitinda. Engage cooperators who are member-in-good-standing. 3. may kakayahang maghatid ng mga serbisyong pangkaunlaran at panlipunan. pang-agrikulturang produksyon. nangangalaga sa kalikasan at binubuo ng mga kasapi na may maunlad na kabuhayan. Collect share retention 5.” 2. 2. Dispose agricultural input to at least 60 cooperators.” 2.4 Vision TCISMPC’s envisions a viable cooperative operated by shareholders with improved quality of life.
After his stint at IRRI. Cresencia N. Saludez is a high school graduate. She is knowledgeable in preparing and updating cash book and managing cash on hand and in bank. She has been updating the books of accounts in a regular basis.7 Key Officers of the TCISMPC The TCISMPC core management team is manned by seasoned leaders with proven track records and accomplishments on their fields. namely: 1. She has been a bookkeeper for a period of one year. He is a seasoned leader and secretary at the same time. training programs and organizational activities. As President of Paleg IA. he is now employed as agricultural technician with the Municipal Agricultural Office of Dinalungan. Aurora. Saludez. 4. Saludez. 2. Los Baños. Francis N. 3. he is one of the representatives IAs of Aurora at the regional level. Alamani is a high school graduate.8 Technical Support The Department of Agrarian Reform. Aurora. Secretary Mr. Marquez. She has attended basic and advanced training in bookkeeping. She is a competent bookkeeper. Dinalungan. . Department of Agriculture. Manager Mr. Marquez is a high school graduate. Alamani. As an agriculturist. Science City of Muñoz. he has worked with the International Rice Research Institute. Cresenciano C. 2. She has served as local official of Barangay Paleg. Maria Nelia N. He is also the President of Paleg Irrigators Association (IA). He regularly attends management meeting. She has attended basic and advanced training on bookkeeping and management related workshops. Treasurer Ms. She has served as Treasurer for five (5) years. Nueva Ecija. Local Government Units. He has served his concurrent posts for a period of 5 years. Bookkeeper Ms. Saludez is a graduate of Bachelor of Science in Agriculture from Central Luzon State University (CLSU).Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 6 of 16 2. Cooperative Development Authority and Provincial Cooperative Office are the agencies that provide regular financial and technical support to development programs of TCISMPC. Laguna. He has been a Manager of TCISMPS for 1 year. He works with TCISMPS as Manager oncall-basis and during weekends.
Bahillo. Director Director Marquez is a graduate of Bachelor of Science in Fisheries Education from CLSU. Chairperson Director Serra is a fourth year level.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 7 of 16 2. He has actively participated in basic and advanced management training courses and organizational activities. 5. Peneyra. 3. She has undergone management training courses as a farmer leader. She is a full time farmer and an active leader.9 Board of Directors TCISMPC is currently governed by the following Board of Directors: 1. Science City of Muñoz. Mr. Nueva Ecija. He has actively participated in various in-service trainings. He has actively participated in basic and advanced management training courses and organizational activities. Marquez. 4. Sumawang. Teodora D. . Prior to his assumption as Vice President. Venancio S. He has served as Director for two (2) years. He has been a member of the cooperative since it started. Director Director Peneyra has served the cooperative in different capacities for six (6) years. he was the Manager of TCISMPC. Director Director Prado is an elementary graduate. he is also an active church leader of Jehovah’s Witnesses. as a farmer leader with high integrity and religiosity. Aside from his engagement with the farmers’ sector. He has been the Chairperson of the Board for three years. Bachelor of Science in Agriculture from CLSU. meetings. Nueva Ecija. He has attended basic and advanced management courses. Vice Chairperson Director Bahillo is a farmer leader for 1 year. He is widely recognized as an industrious farmer and responsible leader. Mamerto C. He is also the secretary of Paleg IA. She has served the TCISMPC as Director for three (3) years. Science City of Muñoz. Anselmo N. Serra is recognized by the community. He used to be the caretaker of the vegetable nursery of the cooperative. 6. Prado. Roberto P. Serra has been with the Paleg IA and TCISMPC for a considerable time. Serra. 2. He has served the cooperative for three (3) years. Mr. Noel S. Director Director Sumawang is a high school graduate. assemblies and personally helping on the daily operation of the store managed by the cooperative.
Palaruan Agro Farm has supplied the input requirement of corn production by TCISMPC during its first season. A formal market agreement between Gene Alamani and TCISMPC for procurement of corn produce in the ARC was made. volume of production increased from 4. Prices fluctuate within average range of P 8.96 tons. 3. while farmgate prices also increased from P 6 to P 12. Fortaleza Agricultural Supply. However. cooperators generated average net income of P 18. has supplied inputs for the succeeding seasons.1 Market Overview Corn production remains a profitable venture. 3. Marketing Aspects 3. The average harvest is 90 cavans at 50 kilos per cavan per hectare. Collective buying and collective will soon be in place to ensure market and availability of inputs all year round. .2 Market Segment. Increase of 51% in net income from first crop to third crop was observed. at price dictated by the same creditors.7 million tons. Alamani. 3. He was able to finish two years of college education in Mount Carmel College. Director Director Hidalgo is an active parliamentarian. In a national scale. from 2002 to 2011. This agreement has been in place a year ago. Fortaleza Agricultural Supply in Dinalungan and Palaruan Agro Farm Supply are two institutional suppliers/buyers which will be engaged for the expansion of corn production in the ARC.5 cropping a year. It is a local practice among corn growers to sell back their produce to cooperatives or private lenders. In Aurora.000 to P 15.3 Supply and Demand Analysis In Paleg-Dibaraybay ARC there are 50 hectares planted to corn. a deficit occurred during the second crop due to typhoon.3 to 6. Overall. Local supply of sun dried corn kernels are transported and sold outside Aurora. Its most profitable season is from October to January. from which they are indebted.00 to P 10. He has served as Director for two (2) years.2 hectares. a local supplier.00 per kilogram Corn growers sell sun dried corn kernel to local and mobile traders. corn production is more profitable. within the same period.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 8 of 16 7.669 (see Annexes for details). Corn are grown 2. Cost per hectare covered cash.000 per hectare. non-cash and imputed costs (see Annexes for details). yield of corn reached as high as P 5. Target Market and Growth Potentials Institutional buyers will procure in bulk the corn produced by cooperators in the ARC. with total production area of 82. jacked up by 100% from P 5. Particularly in the ARISP III – Agribusiness and Agricultural Development project site. Rolando Hidalgo. The volume of corn sold by TCISMPC was procured by Mr. He has actively participated in basic and advanced management training courses and organizational activities. Profitability.
These farmers represent majority of corn growers in the ARC. I. The corn production of TCISMPC. only few of corn growers are not members of TCISMPC. after harvest. This procurement and delivery scheme will be stated in the market agreement that will be forged between TCISMPC and the said store. Corn production in the ARC is dominated by corn growers financed and supported by TCISMPC. Throughout the project duration.4 Analysis of competition Within the Paleg ARC.5 Service Features The following are the features of the Agricultural Input Trading. Dinalungan 3. covering an average of 27. suitable for corn or rice Within Paleg and Dibaraybay.000 / season In-kind. 3. Collective buying-lending-selling scheme Apply for production loan to 1 Buys input in bulk to 2 Local Corn Growers 4 Grants production loan for TCISMPC Agri Input Trading 3 Supplies input in bulk to Palaruan Agro Farm Supply Pay loan in kind to 5 Sells in bulk to 6 II. TCISMPC financed the technical and financial needs of 46 corn growers in the ARC. cash or in-kind Member-in-good-standing Have grown corn and rice At least 1 hectare. .6 Raw Materials Procurement Strategies The farm inputs will be procured in bulk from the partner agricultural supply store. Loan Product Name of loan product Loanable amount Form of loan Eligible crops Interest rate Retention on Share capital Retention on savings Loan Period Payment scheme Eligible borrowers Experience in farming Farm land Farm location TCISMPC Agro Loan P 10. from November 2010 to April 2012. non-cash Corn and Rice 3% per month/flat rate 1% 2% 4 months Single payment.33 hectares per cropping season was successfully implemented.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 9 of 16 3. The said store will deliver the inputs on site.
store and release farm inputs Prepare books of accounts & financial reports Fund and property custodian . 4.1 Production Corn production will be implemented twice a year. During off season of corn. systems and procedure for the project. 4 Operational Aspects 4. Adoption of good agricultural practices (GAP).3. Peer pressure and support.3. TCISMPC will also maximize the storage space of the retail store. 4. swine production will be implemented. 3.3 Pricing Strategy Corn will be procured based on prevailing farm gate prices in the locality.1 General Administration Finance and administration will be done by the loan and marketing officers. 4. Formation of production clusters. Improvement of storage facility.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 10 of 16 3.2 Warehousing The inputs and produce will be stored in the warehouse owned by Barangay Paleg and in the retail store.2 Manpower Requirement Below are the manpower requirements of the project: Position Manager Loan & Marketing Officers Ware house in-charge Bookkeeper Treasurer Number 1 2 1 1 1 Status Already hired For hiring For hiring Already hired Already hired Functions Oversee daily operations Screen and approve loans and market produce Procure. and Creation of policies.3 Manpower Plan 4. An agreement will be signed between Barangay Paleg and TCISMPC for the use and maintenance of the storage facility. from November to March and December to April. warehouse in-charge headed by the project manager.7 Production Strategies To reach the desired quality and volume of produce the following strategies will be employed: 1) 2) 3) 4) 5) 6) 7) 8) Use of production protocol. Selection of good borrowers. On-season farming.
Production clusters are corn growers who are grouped by location and proximity to the office. Administration and finance will be handled by the bookkeeper and treasurer. (Organizational Support) Loan and Marketing Officers Bookkeeper Warehouse In-Charge Treasurer PRODUCTION CLUSTER A CORN PRODUCTION CLUSTER B CORN PRODUCTION CLUSTER C CORN The Board of Directors will act as the governing body of the project.3 Project Management Structure Board of Directors TCISMPC DA / DTI Representatives (Marketing & Technical Support) Project Manager TCISMPC DARPO/DARMO Reps. Operations will be spearheaded by the loan officers and warehouse in-charge.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 11 of 16 4. .3. The project manager will oversee the daily operations.
500.056.115. for the period 2010 to 2011.00 73.900.00 47. The cooperative is liquid.763.040.00 2.040.35 8.957.45 139.162.000 to P73.561.45 81.41 82.163.000.30 # Previous Year 2010 Cash Flow A 28% increase in cash position of TCISMPC was posted.03 19.000.140.00 4.00 1.763.416.739.45 7.03 2.500.500.00 224.448.464.686.464.00 5.899.250.30 16.21 28.427.377.555.628.others Increase in merchandise inventory Net cash flow from operating: Cash flows from investing activities: Net addition to investments Increase in fixed assets Decrease (Increase) in other assets Net cash flow from investing: Cash flows from financing activities: Proceeds from loans payable Proceeds from payment of ISC Proceeds from savings deposits Proceeds from donations Proceeds from issuing common stocks Allocation for statutory reserve Net cash flow from financing: Net increase (decrease) in cash and cash equivalent Cash and cash equivalent at the beginning of the year Cash and cash equivalent at the end of the year P 51.450.43 16.01) 81.857. 2011 (with Comparative Figures from CY 2010) Current Year 2011 Cash flows from operating activities: Distributable Surplus Decrease (Increase) in accounts receivable Increase in loan receivable Decrease in loan receivable . STATEMENT OF OPERATIONS For the year ended December 31.200.36 5.00) (37.00) (3.53 73.00 121.36 2.82 4. for the year 2010 and 2011.000.739.00 62.376.444.00 19.710.500.00 1.00 108.00 43.300.00 (32.1 Financial Performance of TCISMPC Income Statement TCISMPC net surplus increase by more than 200%.57 175.000.53 14.09 133.124.21 (14.17 108. from P 108.00 2.376.65 40.096.00 810.00) (111.54 31.726.244.45 27.37) P Previous Year 2010 19.01 (33.00) (49.145.00) 17.62 75.00 2.61 7.00) P (3.670.00 6.380.00 1.056.00 6.00 8.628.00 2.804.61 P 1.30 2.00) (82.141.21 1.550.634.634.03 2.412.00 28.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 12 of 16 5.051.300.196.269.628.61 7.500.804.307.00 24.00 71.20 9.000.141.804.500.389.377.37) 33.212.00 7.475.45 .72 111. 2011 (with Comparative Figures from CY 2010) Current Year 2011 REVENUE Income from credit operation Income from consumer operation Other Income TOTAL REVENUE Less: Operating Expenses Honorarium Profesional Fee Office Supplies Freight GA/Meeting Expense Travel and Transportation Taxes and Licenses Registration Expense Rent Expense Utilities Training and Seminar Expense Communication Expense Miscellaneous Expense Bad Debts Expesnse TOTAL OPERATING EXPENSES NET SURPLUS Less: STATUTORY RESERVE FUND Reserve Fund Optional Fund Ed & Training Fund Community Dev't Fund Interest on Share Capital NET SURPLUS AS DISTRIBUTED P 29.00 656.000.635.00 8. Financial Aspects 5.692. from P28.00) P (111.00 (80.91 51.65 29.000 to P 139.00 6.354.80 4. STATEMENT OF CASH FLOWS For the year ended December 31.550.
929.46 5. This increase was due to increase on loan exposure.857.00 117.00 117.180.000 to 436.056.20 13.00 76.634.00 261.78 211.00 35.500.000 300.520.71 1.20 323.51 37. Dep.00 34.500.20 4.17 436.972.00 10.20 4.000 Source TCISMPC DA TCISMPC Agri Supply Store .01 33.00 500.39 2.500.46 5. MEMBERS EQUITY & RESERVES P 37.843.635.00 6.895.465.141.00 258. from P 260.500 P 700.212.05 99.550.00 4.00 316.529.399.899.00 3.00 436.424.541.895.00 3.000.000.2 Funds Sources and Uses Purpose Revolving capital Admin expense Freight Expense Total Project Cost Amount P 300. Net Fixed Assets Other Assets TOTAL ASSETS LIABILITIES.056.48 10.00 500.843.91 30.739. 2011 (with comparative figures from CY 2010) Current Year 2011 ASSETS Current Assets Cash on hand Accounts Receivable Loans Receivable Merchandise Inventory Current Assets LESS: Allowance for Bad Debts TOTAL CURRENT ASSETS Fixed Assets Equipment: Weighing scales Farm Equipment and Tools Farm Animals Total Equipment Less Accum.46 Previous Year 2010 P 73.00 P 108. MEMBERS EQUITY & RESERVES LIABILITIES Loan Payable ISC Payable Savings Deposits Total Liabilities SHARE CAPITAL DONATED CAPITAL STATUTORY RESERVES Reserve Fund Optional Fund Education & Training Fund Community Dev't Fund Total Statutory Reserves TOTAL LIABILITIES. for the period 2010 to 2011.289.00 P 75.287.80 110.00 500.000.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 13 of 16 Balance Sheet Total assets of TCISMPC increased by 160%.60 261. donation of farm animals and implements and increase in inventory of store.148.39 7.52 95.819.905.710.000.00 51.35 99.020.500 50.000 49. STATEMENT OF FINANCIAL CONDITION As of December 31.635.45 14.635.020.072.53 6.981.00 101.42 181.967.38 68.180.
000 per season with total borrowers of 60 per season.00 17. the project will earn a net surplus of P 22.00 For the initial 3 cropping seasons.230.00 Ending cash after 3 cropping cycles is estimated at P 667.000.00 6.00 676.500.00 18.000.00 6.283.00 6. It will increase yield and profitability of corn production as a result of synchronized farming system. P 600.000. Cash Inflow Cash.00 1.730.000.00 600. beg.500.000.00 616. It will increase income for at least 60 farming households and spur wage employment for farm workers.000 capitalization will increase by 13% equivalent to additional assets of P 76.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 14 of 16 5. Revenue Interest Service Fee Gross Revenue Less: Expenses Honorarium Utilities & Supplies Total Expenses Net Surplus 53.00 15. It will cultivate good agricultural practices. Share Capital Interest Service Fee Savings Loan payments Total Cash Inflow Cash Outflow Loan Releases Honoraria Utilities & Supplies Total Cash Outflow Cash.00 22.000.230.230.500.820.000.000.000. .00 4. End.00 1.910.230. Cash Loans Receivable TOTAL ASSETS Savings Deposits Share Capital Donation Undivided Net Surplus TOTAL LIAB & EQUITY 667.00 9.000.00 676.230.00 22.000. 644.00 597.500.730.230.730.00 12. Social and Economic Aspects The project will improve the agricultural market system through tie up with institutional supplier and buyer of agricultural inputs and produce.00 667.3 Financial and Economic Viability For the three cropping seasons.00 18.000.00 71.00 336. This cash position is sufficient for succeeding seasons.000.00 300. collective selling and use of production protocol among others.00 45.00 49.000. assuming that loan exposure per borrower is fixed at P 10.000.
4 project assessment and planning for next season 2012 O N D J F 2013 M A M J .2 preparation of project proposal 1.4 record-keeping of crop development stages 2.7 cooperators’ & project staff’s meeting 1. Activities 1. Succeeding cropping seasons will commence after the review and planning session conducted after each cycle.3 preparation/submission of end of phase report 3.1 lecture-discussion on production protocol 2.7 preparation/submission of monthly report 3.0 Post Production Phase 3.6 review/approval of proposal 1.11 Organize production clusters 1.8 signing of MOA 1.1 collective selling through production clusters 3.10 Secure production protocol 1.4 finalization of project concept 1.9 PSP preparation/approval on corn production 1.1 consultation with project stakeholders’ 1.0 Preparatory Activities 1.3 presentation of proposal to the BOD 1.0 Production Phase 2.2 production of localized production protocol 3.12 Confer with local buyers 2.5 submission of project proposal 1.6 workshop on supply chain management 2.3 synchronous planting/cropping cycle 2.Talaytay Communal Irrigation System Multi-Purpose Cooperative Business Plan for Agricultural Trading Project Page 15 of 16 Action Plan Below is the sequence of activities from preparatory phase until the completion of the first cropping season.
000.000.000.000.410.00 6. No.000.000.00 3.000.000.00 597.910.00 622.000.910.410.00 23.00 6.000.00 17.000.00 3.000.410.000.000.000.00 597.000.000.00 15.000.00 17.00 17.00 600.00 23.00 22.00 Month 8 Month 12 YEAR 3 Month 32 480 60 600.910.00 597.00 1.000.000.05% of gross) REVENUES Interest Income @ 3%/mo Service Fee @ 1 % of loan TOTAL REVENUES CBU retention @ 2 % Savings deposits @ 1 % Total Principal Collected LESS: HONORARIUM SUPPLIES & UTILITIES NET CASH Net cash Loan Portolio for next season 17.000.000.00 1.00 60 600.00 622.000.000.00 TOTAL DESCRIPTION Total No.00 6.00 12.400.500.00 Month 20 300 60 600.000.500.00 22.00 622.00 17.910.000.910.000.00 1.410.00 597.410.000.00 6.00 597.00 23.00 Month 28 YEAR 1 Month 4 BORROWERS Cummulative borrowers New borrowers LOAN RELEASES COLLECTION Collection ( in Peso) month 4 month 8 month 12 month 16 month 20 month 24 month 28 month 32 month 36 Total Collection Outstanding Balance (.00 597.500.910.00 1.000.910.00 22.000.000.000.00 597.373.00 597.410.373.00 600.00 12.00 597.00 6.00 17.00 622.000.00 12.00 17.000.00 54.00 15.00 622.000.00 6.00 15.00 12.910.000.910.00 6.00 6.00 12.000.000.410.410.000.00 23.601.000.00 600.00 12.ANNEX 1: Loan Portfolio for 3 years Talaytay Communal Irrigation System Multi-Purpose Cooperative PROPOSED LOAN PORTFOLIO 3 YEARS YEAR 2 Month 16 180 60 600.00 6.000.00 12.00 540 60 5.000.00 1.00 179.00 597.00 6.000.00 622.000.000.00 Total Principal Collected Total Principal Uncollected Total Interest Income Total Service Fee Total Revenues Total CBU retention Total savings deposits Total Principal Collected Total Honoraria Total Utilities / Supplies 5.000.000.500.00 1.000.00 597.000.00 622.000.00 597.00 622.910.000.000.410.000.00 6.000.000.00 22.000.000.000.500.000.000.00 15.00 22.00 15.910.00 15.410.000.410.410.000.00 23.00 597.500.000.000.000.00 597.00 108.910.00 600.00 597.910.00 1.410.500.000.00 6.000.00 3.000.000.000.000.00 6.00 597.00 161.00 6.000.00 15.00 597.00 597.000.500.190.00 23.00 23.00 15.00 Month 24 360 60 600.000.00 597.00 1.00 22.000.000.000.00 597.000.00 597.00 12.910.00 12.410.00 6.00 27.00 15.00 6.190.000.00 597.00 597.280.000.00 Month 36 540 60 600.690.00 3.00 600.00 5.00 597.000.00 597.00 17.910.00 Net Cash Total Surplus of Cash .00 - 5.000.00 600.00 597.000.000.910.000.00 3.000.00 120 60 600.000.410. of Borrowers Ave. of Borrowers/season Total Loan Portfolio 360 60 600.410.910.000.00 6.00 600.00 23.00 22.00 6.00 215.00 17.000.00 600.00 3.000.000.000.00 1.00 3.410.000.00 23.00 22.00 180 60 600.00 597.000.000.000.500.910.00 3.00 54.00 622.00 3.
This action might not be possible to undo. Are you sure you want to continue?
We've moved you to where you read on your other device.
Get the full title to continue reading from where you left off, or restart the preview.