TAYABAS WESTERN ACADEMY

Recognized by the Government I Founded 1928 I Candelaria, Quezon

Tayabas Community Multi-Purpose

Cooperative
(Company Name)

GROUP MEMBERS
Ante, Jeric
Carpio, Shaina
Violante, Judy-An
Bico, Hazel Marie
Rentoria, Jenemae
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

Introduction

THE TAYABAS COMMUNITY MULTI- PURPOSE COOPERATIVE (TCMC) AS A

COOPERATIVE

TCMC is a registered association of people who have a common purpose and come
together to realize a civic and economic goal in accordance with the law. TCMC is made up
of members who are bound by a feeling to work together and share capital and follow the
principles and activities of the cooperative.(February 13, 1965)

Tayabas Community Credit Union, Inc. was established by fifteen (15) parishioners,
the first parish- based of the Parish of San Miguel Archangel. (T.A.C.C.U.I.) with the help of
Atty. Pedro Martija. (July 4, 1965) The cooperative was registered at the Cooperative
Development Office with a capital of Php 150.00 and twenty- five (25) members. (August
25, 1976) changed the name of the cooperative from its previous name TACCUI to its new
name Tayabas Community Credit Cooperative, Inc. (T.C.C.C.I.). (March 22, 1999) the
cooperative was re- registered with its new name Tayabas Community Multi- Purpose
Cooperative which still remains the name of our cooperative until today. The Tayabas
Community Multi-Purpose Cooperative is a well-established cooperative serving the Tayabas
community and its surrounding areas. Since its establishment, the cooperative has been
dedicated to improving the lives of its members and uplifting the community through various
initiatives and services.The cooperative operates based on the principles of self-help, self-
responsibility, democracy, equality, and solidarity. It strives to empower its members
economically by providing access to financial products and services, including savings
accounts, loans, and investments.
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

In addition to financial services, the Tayabas Community Multi-Purpose Cooperative

also offers a variety of other programs and assistance to its members. These may include
education and training programs, skills development workshops, livelihood support, and
community development projects aimed at promoting social and economic growth in the
area.

TCMC BRANCHES
(October 6, 2007)
TCMC Gumaca Branch Office
Tañada Corner M.L. Quezon Street, Brgy. San Diego Poblacion, Gumaca, Quezon 4307

(December 12, 2009)

TCMC Candelaria Branch Office
Space Rental Building, Rizal Ave. cor Salazar St. Brgy. Poblacion Candelaria, Quezon 4323

(October 15, 2012)

TCMC Pagsanjan Branch Office
General Taiño Street, Brgy. Poblacion 1, Pagsanjan, Laguna 4008

TCMC Lopez Satellite Office

28 San Francisco Street, Rizal Poblacion, Lopez, Quezon 4316

TCMC Mauban Satellite Office

Devera Street, Daungan, Mauban, Quezon 4330

Research Design and Methodology

This chapter discusses in detail the methodological choice and the research design
process of the study. It has mainly relied on the philosophical stance and the research
problem to guide on the methodological choice. More, specifically, it explains why
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

explanatory sequential mixed methods research approach is considered appropriate for the
research. In addition, the chapter set the procedures to collect, analyze and report data.

According to Kerlinger (1986) "research design is the plan and structure of

investigation so conceived so as to obtain answers to research questions The plan is the
overall program of the research and includes an outline of what the investigator will do from
writing of the hypothesis and their operational implications for the final analysis of data
Cooper and Schindler (2003) summarizes the essentials of research design as an activity and
time based plan, always based on the research question, guides the selection of sources and
types of information, a framework for specifying the relationship among the study variables
and outlines the procedures for every research activity.

The researchers used descriptive research design in collecting the data from
respondents The design is preferred because it is concerned with answering questions such as
who, how, what which, when and how much (Cooper and schindler, 2003) A descriptive
study is carefully designed to ensure complete description of the situation, making sure that
there is minimum bias in the collection of data and to reduce errors in interpreting the data
collected.

External Factors

a. General Environment

A General environment of Tayabas Community Multi-purpose Cooperative. General

environment have factors that influence business. The general environment, often known as the
macro-environment, is the set of external elements that influence an organization's operation and
performance. These external variables can impact whether an business enjoys market
opportunities or setbacks.

Next Its refers to the circumstances affecting a corporation that are outside its control. A
general environment is made up of elements in society that influence a corporation and its
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

operations. Because it affects a company's ability to operate, also can have an impact on its
performance. It has the potential to influence whether or not people purchase things. This means
that it is critical for management to keep them in mind while they plan and arrange their firm.

The general environment and the task environment comprise the external business
environment. TCMC's fundamental general environment have strong communication and good
stability of records, such as good services that they offered to community. Employee of
cooperation also leads to improved service delivery. The numerous external effects, such as the
setting of having a proper office. To be an office for customers and staff to accomplish their jobs
effectively, offered good services and may recognize TCMC. In technology,the use of
technology today is a big aid, such as computers, which make work easier and save or keep data
properly., economic condition is one of the challenges in TCMC especially competitors
nowadays. But, TCMC make sure they demonstrate good performance here, implying that the
services they will deliver to the customer will be satisfactory. In Businesses the demographic
environment refer to the characteristics of a group of people that can be used to influence the
effectiveness of a business or market action. The Age, gender, income, education level, and
occupation are the most crucial demographic indicators for corporations of TCMC to be
sustainable development. TCMC's social culture is having the Mission, Vision and core values of
the Cooperative. As members of the cooperative, they adhere to it in order to provide direction
and benefit to one another. And political forces of cooperative adheres to about the law.
Following through means that they pay or contribute the correct amount of tax. Respect for
everyone's human rights. Having equal rights for all.

b. Industry and Competitor Analysis

c. Porter's Five Forces
Lìst of Strengths
Good teamwork Non-taxable
Good Customer Service Competitive Interest Rate
Multi-tasking staff Clustering
Maintaining Good Reputation of the COOP Member's Benefits
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

Offers fast delivery Provides products/brand options

Competitive price of some fast moving products Provides quality products
offered
Provide online and offline communication

List of Weaknesses
Lack of seminar and training program for new Limited office equipment (e.g. computers,
employees. laptops, printer, tables and chairs)
Office location (located at 2nd floor) Office layout
Loan products and policies are outdated Centralization of system
Not enough ventilation Access branding
Information Dissemination Advertising strategies
Unavailability of other products/suppliers Store location and limited space on stock room

List of Opportunities
Expansion of satellite office in Padre Garcia Partnership with other coopa/businesses
Batangas
Lot purchase for new office Social media advertisements
Clustering Tie up to other institution e.g. School canteen
Acquire new member on are thru booking Using modern technology to extend our service

List of Threats
Increasing of competitors within the area Global economic conflicts
(commercial banks & micro-finance)
Existence of big competitors that also offers same Negative image of the cooperative within the area
service and low prices and discounts
Direct suppliers also conducts marketing strategies Bill proposing a taxable for the coop
to small entrepreneurs

a. Evaluation
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

The Tayabas Community Multi-Purpose Cooperative (TCMPC) is a well-established and

reputable cooperative in Tayabas, Quezon Province, Philippines. It was registered with the
Cooperative Development Authority in 1995 and has since grown to serve over 11,000 members
as of 2021. The cooperative’s primary objective is to provide financial, livelihood, and social
services to its members, particularly those who are underprivileged and economically
marginalized.

One of the strengths of TCMPC is its diversified services. The cooperative offers a wide
range of financial services such as savings and deposit products, loans, insurance, and investment
opportunities. It also provides livelihood and social services such as scholarship programs, health
care services, and disaster relief and rehabilitation. This diversification allows the cooperative to
cater to the varied needs of its members and support their economic and social well-being.

Another strength of TCMPC is its governance and management. The cooperative is led
by a competent and dedicated Board of Directors and managed by a professional and efficient
staff. It also has a sound financial management system, indicated by its consistently increasing
assets and net surplus over the years.

However, there are some areas in which TCMPC can improve. One is its transparency
and accountability in reporting to its members. Some members have expressed concerns about
the lack of timely and complete information about the cooperative’s financial performance and
operations. Although the cooperative regularly conducts General Assemblies and releases annual
reports, some members feel that more transparency and accountability are needed to foster
greater trust and confidence among the members.

In summary, Tayabas Community Multi-Purpose Cooperative is a well-established and

reputable cooperative that provides a wide range of diversified services to its members. Its
governance and management are strong, but there is room for improvement in transparency and
accountability. Overall, TCMPC is a valuable asset to the community it serves, promoting
economic and social development through cooperative principles and values.
 TAYABAS WESTERN ACADEMY
Recognized by the Government I Founded 1928 I Candelaria, Quezon

Internal Factors
a. Company's Mission and Vision

Vision
A world class multi-purpose cooperative in Luzon serving the members and the
community.
Mission
In adhering to cooperative values and principles, we provide excellent financial products
and allied services to all segments of society for their sustainable development.

b. Location
Candelaria Branch Office at 2/F Non-Stop Space Rental Building, Rizal Ave. Cor Salazar
St. Brgy. Poblacion Candelaria, Quezon

a. Human Resource and Operations

b. Marketing Plan
c. Financial Projections
d. Financial Analysis

c. Conclusions and Recommendation