DRN Vol. 39 No.3
'Reexamine SHS Programs Employment and Entrepreneurial Objectives'
Regulatory Impact Assessment Adoption Determinants: A Diagnostic Framework
Exploring Responses to the Employment Impact of Excise Tax Reform: The Case of the Philippine Tobacco Industry
Mapping Out Employment Opportunities in the Cultural Heritage Sector A Strategic Framework

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Annual Public Policy Conference Webinar 4: Robust and Healthy Workforce and Closing Program
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Annual Public Policy Conference Webinar 3: Green And Inclusive Recovery
PIDS WB 2021-0903
Annual Public Policy Conference Webinar 2: Ethical Business
PIDS WB 2021-0902
Opening Program and Annual Public Policy Conference Webinar 1: Resetting Capitalism
Publication Detail
UC 1999-01: Cooperative Banking: A Viable Approach to Microfinance. A Case Study in the Philippines

This case study shows how the Cooperative Rural Bank of Bulacan, Inc. (CRBBI) in the Philippines has successfully ventured into commercial banking, in accordance with the government policy reforms of 1986. The bank provides services to its cooperative members as well. This study outlines the measures that CRBBI adopted to achieve sustainability, increase outreach and expand its portfolio. The bank: * Encouraged member participation in ownership and governance issues, * Employed forward-looking, professional management and staff, * Standardized banking operations by establishing an online computer system, * Improved its financial standing by re-evaluating and re-accrediting member organizations, * Adopted market-oriented interest rates to improve viability, * Provided incentives to staff for excellence in performance, * Weaned away from government-directed credit programs thereby improving sustainability, * Diversified portfolio and used innovative credit products to increase outreach. The author mentions the following challenges that the bank faces in carrying out its dual functions as a cooperative and a commercial bank: * Dealing simultaneously with the cooperative bank members and the increasing non-members that use commercial banking services, * Deciding whether to lend to member organizations or to invest in higher-return investments elsewhere, * Competing with its own member organizations.

PinoyME Foundation
Authors Keywords
Quinones Jr., Benjamin R.; microfinance; cooperative rural banks;
Download PDF Number of Downloads
Published in 1999 and available in the University of Cologne or Downloaded 430 times since November 25, 2011
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