On The Job Training

A NARRATIVE REPORT OF
ON-THE-JOB TRAINING UNDERTAKEN
AT COOPERATIVE BANK OF COTABATO

(HEAD OFFICE)
IN PARTIAL FULFILLMENT
OF THE COURSE REQUIREMENTS
CABME INTERNSHIP
FOR THE DEGREE OF BACHELOR OF SCIENCE IN

BUSINESS ADMINISTRATION
PRESENTED TO:
DR. MARIA REGINA E. CARLOS, CPA,DBA

Dean, College of Accountancy And Business Management Education
PRESENTED BY:
ERMELYN V. BANDIOLA
BSBA- 4TH YEAR
2022
CENTRAL MINDANAO COLLEGES

Osmeña Drive, Kidapawan City, North Cotabato, 9400
www.cmc.edu.ph
TABLE OF CONTENTS
INTRODUCTION 1
OBJECTIVES 2
PROFILE OF THE COMPANY/ORGANIZATION
Company Profile 3
Organizational Chart 5
INTERNSHIP EXPERIENCE 8
SUMMARY OF ACCOMPLISHMENTS AND CONTRIBUTIONS 13
CONCLUSION 15
APPENDICES:
RECOMMENDATION LETTER 16
RESUME 17
MEMORANDUM OF AGREEMENT 19
DAILY TIME RECORD 29
INTERNSHIP EVALUATION 31
CERTIFICATE OF COMPLETION 32
DOCUMENTATION 33

www.cmc.edu.ph
INTRODUCTION
"Everything is always created twice, first in the mind and then in reality." A
student's knowledge gained from college professors is insufficient when learned
solely through pure imagination. That is why an internship or the so called OJT
(On-the Job Training) is created. On-the-job training (OJT) is a part of the
curriculum that immerses students in work settings related to their subject of
study. This seeks to educate and orient students about their chosen profession
while also demonstrating the realities of working in order for them to obtain
knowledge and appreciation for the job. Furthermore, this is an important
component of the course because it helps students develop professional
abilities and prepares them for the actual world of work.
The College of Accountancy and Business Management Education of

Central Mindanao Colleges requires its students to undergo a total of 600 hours
training as part of their course curriculum which can be consists of course-
related webinars and actual practice in the workplace. Course-related
webinars are events held virtually which tackles different course-related topics
that primarily aimed to add knowledge and learnings that can greatly
contribute to the future career of the students. On the other hand, actual
practice consists of a minimum of 320 hours training in the chosen agency. This
way, it enables students to gain real-world experience and apply knowledge
and concepts gained in the classroom.

1
www.cmc.edu.ph
OBJECTIVES
During and after the training, the student trainee must acquire the following
objectives:
 To develop competence, professionalism in dealing with people, quality

awareness, collaborative skills, critical thinking abilities, discipline,
ingenuity, and self-reliance.
 To build self-assurance and maturity by focusing on attributes that are
required in the workplace to prepare us.
 Provide students with real-world work experience, as well as exposure to
various management styles, industrial processes, and procedures in their
respective fields of study.
 Develop and apply curriculum and instruction knowledge and
understanding.
 Establish the students' roles and duties in various circumstances that may
happen throughout the OJT

Osmeña Drive, Kidapawan City, North Cotabato, 9400 2
www.cmc.edu.ph
PROFILE OF THE COMPANY/ORGANIZATION
COMPANY PROFILE
The Cooperative Bank of Cotabato (CBC), formerly known as

Cooperative Rural Bank of North Cotabato, Inc. (CRBNCI) was founded by the
virtue of P.D. No. 175 and LOI No. 23. This is in keeping with the Marcos regime's
goal of strengthening the cooperative movement in the nation during the
martial law period. The aforementioned government regulations authorized the
formation of Samahang Nayons (SN's), a pre-cooperative that eventually turned
into members and proprietors of the cooperative bank.
Samahang Nayons were primarily formed and organized to educate
farmers in order to help them start their own businesses. It was established by
Department of Local Government and Community Development (DLGCD),
currently known as the Department of Interior and Local Government (DILG).
The company’s original and first incorporating Board of Directors are
Nicasio I. Into (Chairman), David J. Torres (Vice-Chairman), Celestino L. Larena
(Secretary), Raymundo F. Flauta (Treasurer), Francis R. Fugata Sr. (Director), and
Felino B. Aquino (1st Founding General Manager). Opened its first branch at
Midsayap, Cotabato on September 5, 1983 and currently has 10 branches and
micro banking office with 151 total of stockholders.
CBC also received awards and recognitions such as; “HALL OF FAME
Awardee” being the No. 1 & Top Performing Cooperative Bank in the Philippines
from 2011 to 2019 by Cooperative Banks Federation of the Philippines
(BANGKOOP) and 2- Time National Awardee: Gawad sa pinakatanging
Countryside Financial Institution by Land Bank of the Philippines.
Dubbed ass the Bank of Farmers, CBC’s uniqueness lies on its being a
prime mover of grassroots development, performing a dual role of being a
cooperative and a bank. CBC has grown into a sustainable grassroots-based
financial, institution and has become one of the strongest and top performing
cooperative banks in the country today.

3
www.cmc.edu.ph
Mission
Cooperative Bank of Cotabato is a genuine provider of socially responsive
and innovative financial and non-financial products and services to enrich the
socio-economic well-being of its clients and valued stakeholders.
Vision
Cooperative Bank of Cotabato shall be strong, dynamic, socially
responsive, and sustainable financial service provider in the country.
CORE GOVERNING VALUES

Cooperative Bank of Cotabato (CBC) upholds the principles of
effectiveness, efficiency, creativity, transparency, confidence and commitment
as the guiding and core values that govern all members in the performance of
their duties and responsibilities. The CBC recognizes the value of integrity,
diversity, equal opportunity and fair treatment without sacrificing high
performance quality in all aspects of organizational work.
Seal
CENTRAL MINDANAO COLLEGES 4

www.cmc.edu.ph
Organizational Chart

www.cmc.edu.ph
Product/Services Offered
 Deposit Product and Services
i. Basic Deposits
ii. Regular Savings Deposits
iii. Time Deposits
iv. Special Savings Deposits
v. Kiddie Savers
vi. Youth Savers
vii. Current Account
 Loan Products and Services
i. Agricultural Loans (Supervised and Non-Supervised)
ii. Credit Line (Member and Non-Member)
iii. Commercial Loans (Ordinary and IFP)
iv. Back-to-Back Loans
v. Industrial Loans
vi. Salary Loans (DepEd, Non-DepEd, CBC Employees Loan, Barangay
Official Loans and Employee Loan)
vii. Pension Loans
viii. Multi-Purpose Loans (DepEd and Non-DepEd)
ix. Small Medium Enterprises Loans (SME)
x. Microfinance Loans (KBMP, MAP-PSM, MINE)

www.cmc.edu.ph
Contact Details
PROFILE
Company Name: Cooperative Bank of Cotabato – Head Office
Date Established: April 18, 1979
Board of Directors: Nicasio I. Into (Chairman)

David J. Torres (Vice-Chairman)
Celestino L. Larena (Secretary)
Raymundo F. Flauta (Treasurer)
Francis R. Fugata Sr. (Director)
Felino B. Aquino (1st Founding General Manager).
Contacts: Telefax Nos.: (064) 572-7269

(064) 577-1220
Mobile No.: 0928-3817881
Address: Jose Abad Santos St., Kidapawan City, Cotabato 9400

www.cmc.edu.ph
INTERNSHIP EXPERIENCE
The table below shows all the training experiences at CBC-Head Office
that made them gain hands-on experiences in the workplace.
ACCOUNTING LOAN SECTION CASH MICRO-FINANCE

SECTION SECTION SECTION
- Arranging cashier’s
official receipt,
- DAY 1 collector’s receipt
and transaction
documents.
- Arranging cashier’s - Arranging forms - Writing in a loan
official receipt, of clients who utilization check form
collector’s receipt applied for - Stamping fully paid in
and transaction different loans. an old document of a
- DAY 2 documents. - Writing clients’ borrower
lacking
information in
different loan
application forms
- Writing in a loan
utilization check form
- DAY 3 - Stamping fully paid in
an old document of a
borrower
- Arranging cashier’s - Stamping fully paid in
official receipt, an old document of a
collector’s receipt borrower
- DAY 4
and transaction - Helping the account
documents officer to cash count
their collection.
- Arranging cashier’s - Stamping fully paid in
official receipt, an old document of a
collector’s receipt borrower.
- DAY 5
and transaction - Helping the account
documents officer to cash count
their collection.
official receipt,
and transaction
documents
- Arranging cashier’s - Helping the account
official receipt, officer to cash count
- DAY 7 collector’s receipt their collection.
and transaction
documents
- Arranging cashier’s - Writing clients’ lacking
official receipt, information in loan
- Day 8 collector’s receipt application forms.
and transaction
documents
- - Assist the clients for
their loan release. And
at 11:30 we went to the
- DAY 9 Executive office to help
and prepare the give
rd
aways for their 43
Founding Anniversary.

www.cmc.edu.ph
- Writing clients’ lacking
information in loan
application
- DAY 10
Helping the account
officer to cash count
their collection.
- Arranging cashier’s - - Writing clients’ lacking
collector’s receipt application
and transaction
- DAY 11 documents.
- Sorting of
employees gift
certificate for their
rd
43 anniversary.
- Assist the clients for
their loan release.
- Detaching from old
folder and attaching to
- DAY 12
new folder the 2x2 ID
picture, sketch mop and
photocopying of valid
ID.
- Arranging cashier’s Writing -
official receipt, official
- DAY 13 collector’s receipt receipts.
and transaction
documents.
- Arranging cashier’s - Writing clients’ lacking
- DAY 14 collector’s receipt application
and transaction -
documents
- Arranging cashier’s - Writing - Helping the account
official receipt, official officer to cash count
- DAY 15 collector’s receipt receipts. their collection.
and transaction
documents
Writing - Assist client for opening
official account.
- DAY 16 receipts. Helping the account
their collection.
- Arranging cashier’s - Assist the clients for
official receipt, their loan release
- Day 17 collector’s receipt
and transaction
documents
- Arranging cashier’s - Detaching from old
official receipt, folder and attaching to
collector’s receipt new folder the 2x2 ID
and transaction picture, sketch mop and
- DAY 18 documents. photocopying of valid
ID.
- Stamping fully paid in
borrower.
- - Writing clients’ lacking
information in loan
application
- DAY 19
- Helping the account
their collection.
- Arranging cashier’s -
official receipt,
and transaction
documents.

www.cmc.edu.ph
Arranging cashier’s
official receipt,
and transaction
documents.
official receipt,
collector’s receipt
- DAY 22
and transaction
documents.
official receipt,
and transaction
documents.
ID.
- DAY 24
borrower.
their collection.
their loan release
- DAY 25
ID.
borrower.
their collection.
their loan release
- DAY 26
ID.
borrower.
their collection.
their loan release
- DAY 27
ID.
borrower.

www.cmc.edu.ph
ID.
- Day 28
borrower.
their collection.
- Arranging cashier’s - Assist the clients for
official receipt, their loan release
- DAY 29 collector’s receipt - Helping the account
and transaction officer to cash count
documents. their collection.
- - Helping the account
their collection.
- DAY 30
- Stamping date stamp in
disclosure statements
on loans.
- Assist clients for their
loan release
- DAY 31
ID.
- Writing on a savings
deposit slip.
- Writing - Detaching from old
official folder and attaching to
receipts new folder the 2x2 ID
- DAY 32 photocopying of valid
ID.
borrower.
- - Detaching from old
ID.
their collection.
- - Assist clients for their
loan release
- DAY 34 picture, sketch mop and
ID.
their collection.

www.cmc.edu.ph
loan release
- Day 35
ID.
their collection.
-
- Detaching - Assist clients for their
promissory note, loan release
affidavit of - Writing clients’ lacking
undertaking, information in loan
- DAY 36 deed of promissory note.
agreement and
other forms
submitted by the
client for notary.
- - Detaching from old
- DAY 37
ID.
ID.
information in loan
promissory note.
loan release
information in loan
- DAY 39
application
their collection
loan release
information in loan
promissory note.
- DAY 40
ID.
their collection..

www.cmc.edu.ph
SUMMARY OF ACCOMPLISHMENTS AND CONTRIBUTIONS
People gain confidence and motivation as a result of their achievements
and efforts. I as an intern from the Central Mindanao Colleges CABME
Department benefited greatly from my internship journey at the Cooperative
Bank of Cotabato (CBC)- Head Office because I gained valuable work
experience, fulfilled a college requirement, and exposed to many aspects of
full-time employment while allowing to explore my interests and formulate my
personal career goals.
By assisting in the improvement of company productivity, the interns of the
CBC-Head office contributed to the organization's productivity and growth.
Interns provide an extra pair of hands to help achieve goals and complete
tasks. The tasks that follow include a recap of all of the interns'
accomplishments, which are also reflected in the previous section.
1. Arranging cashier’s official receipt and collector’s receipt.
2. Filing of daily transaction.
3. Assisting clients for their loan release.
4. Writing:
a. official receipts,
b. clients’ lacking information in different loan application forms
5. Attaching disclosure statement on loans and other forms that has
been notarized.
6. Detaching promissory note, affidavit of undertaking, deed of
agreement and other forms submitted by the client for notary.

www.cmc.edu.ph
7. Detaching from old folder and attaching to new folder the 2x2 ID
picture, sketch mop and photocopying of valid ID.
8. Assisting clients.
9. Doing the errands that are asked by the employees.
To summarize, professional experience is essential to put classroom
theories and concepts into practice. This internship allows students to develop a
deeper understanding of the working world as well as their own skills and
abilities.

www.cmc.edu.ph
CONCLUSION
On-the-job training allows students to prepare for and gain experience in

their chosen profession. The training at the Head Office of the Cooperative Bank
of Cotabato is a hands-on approach to learning new skills and competencies
for a vocation in a real-world situation. The learners had a variety of experiences
throughout their training days. These experiences benefit the trainees since they
learn how to apply their varied ideas in a live-work practice or training
environment. This experience would be extremely beneficial to inexperienced
learners in terms of learning the necessary information, abilities, and
competences to complete the work activities associated with their function.

www.cmc.edu.ph
RECOMMENDATION LETTER

www.cmc.edu.ph
ERMELYN V. BANDIOLA
PERSONAL INFORMATION
Home Address: Purok 8, Dalipe M’Lang North Cotabato

Contact No.: 09631015610
Email Address: memzkiebandiola@gmail.com
Date of Birth: March 3, 1999
Ethnicity: Ilonggo
ACADEMIC HISTORY
TERTIARY: CENTRAL MINDANAO COLLEGES

Osmeña Drive, Kidapawan City
SECONDARY: LIKA NATIONAL HIGH SCHOOL

Lika, M’Lang North Cotabato
2017-2018
ELEMENTARY: DALIPE ELEMENTARY SCHOOL

Dalipe, M’Lang North Cotabato
2011-2012
AWARDS AND RECOGNITION:

 4TH PLACER DIVISION SCHOOLS PRESS CONFERENCE ( 2015)
 BEST POEM INTERPRETER
 BEST CONTENT IN WRITTEN SPEECH
 BEST EXTEMPORANEOUS SPEAKER
 BEST SPEAKER (Memorized Speech)
KEY SKILLS AND QUALIFICATIONS

 Computer Literate
 Multi-tasker
 Communication skills.
PROFESSIONAL AFFILIATIONS
 Junior Financial Management Executives

www.cmc.edu.ph
CONFERENCES ATTENDED
 Making Financial Literacy Work During the Pandemic

May 7, 2021
Via Zoom
 Interns Personality Development Seminar
March 19, 2022
Kuya Rey’s Convention Hall
 Effective Office Administrative Management and Discipline
October 18, 2019
Central Mindanao Colleges
 Decoding Leadership: Born or Made
April 18, 2021
Via Zoom

www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
www.cmc.edu.ph
DAILY TIME RECORD

www.cmc.edu.ph
,

www.cmc.edu.ph
INTERNSHIP EVALUATION (ON THE JOB TRAINING EVALUATION)

www.cmc.edu.ph
CERTIFICATE OF COMPLETION

www.cmc.edu.ph
DOCUMENTATION

www.cmc.edu.ph
www.cmc.edu.ph

On The Job Training

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

On The Job Training

Uploaded by

Copyright:

Available Formats

A NARRATIVE REPORT OF

ON-THE-JOB TRAINING UNDERTAKEN

AT COOPERATIVE BANK OF COTABATO

FOR THE DEGREE OF BACHELOR OF SCIENCE IN

DR. MARIA REGINA E. CARLOS, CPA,DBA

CENTRAL MINDANAO COLLEGES

CENTRAL MINDANAO COLLEGES

The College of Accountancy and Business Management Education of

CENTRAL MINDANAO COLLEGES

 To develop competence, professionalism in dealing with people, quality

 To build self-assurance and maturity by focusing on attributes that are

required in the workplace to prepare us.

 Provide students with real-world work experience, as well as exposure to

various management styles, industrial processes, and procedures in their

respective fields of study.

 Develop and apply curriculum and instruction knowledge and

happen throughout the OJT

CENTRAL MINDANAO COLLEGES

The Cooperative Bank of Cotabato (CBC), formerly known as

CENTRAL MINDANAO COLLEGES

CORE GOVERNING VALUES

CENTRAL MINDANAO COLLEGES 4

CENTRAL MINDANAO COLLEGES

 Deposit Product and Services

ii. Regular Savings Deposits

iii. Time Deposits

iv. Special Savings Deposits

vi. Youth Savers

vii. Current Account

 Loan Products and Services

i. Agricultural Loans (Supervised and Non-Supervised)

ii. Credit Line (Member and Non-Member)

iii. Commercial Loans (Ordinary and IFP)

iv. Back-to-Back Loans

vi. Salary Loans (DepEd, Non-DepEd, CBC Employees Loan, Barangay

Official Loans and Employee Loan)

vii. Pension Loans

viii. Multi-Purpose Loans (DepEd and Non-DepEd)

ix. Small Medium Enterprises Loans (SME)

x. Microfinance Loans (KBMP, MAP-PSM, MINE)

CENTRAL MINDANAO COLLEGES

Company Name: Cooperative Bank of Cotabato – Head Office

Date Established: April 18, 1979

Board of Directors: Nicasio I. Into (Chairman)

Contacts: Telefax Nos.: (064) 572-7269

Address: Jose Abad Santos St., Kidapawan City, Cotabato 9400

CENTRAL MINDANAO COLLEGES

that made them gain hands-on experiences in the workplace.

ACCOUNTING LOAN SECTION CASH MICRO-FINANCE

CENTRAL MINDANAO COLLEGES

CENTRAL MINDANAO COLLEGES

CENTRAL MINDANAO COLLEGES

CENTRAL MINDANAO COLLEGES

CENTRAL MINDANAO COLLEGES 12

People gain confidence and motivation as a result of their achievements

and efforts. I as an intern from the Central Mindanao Colleges CABME

Department benefited greatly from my internship journey at the Cooperative

Bank of Cotabato (CBC)- Head Office because I gained valuable work

experience, fulfilled a college requirement, and exposed to many aspects of

full-time employment while allowing to explore my interests and formulate my

personal career goals.

By assisting in the improvement of company productivity, the interns of the

CBC-Head office contributed to the organization's productivity and growth.

accomplishments, which are also reflected in the previous section.