BRIEF HISTORY OF LABO PROGRESSIVE MULTI-PURPOSE COOPERATIVE

The LABO PROGRESSIVE MULTI-PURPOSE COOPERATIVE, which started as Paluwagan was organized in September 11, 1987 by Mrs. Nelly C. Jariel, a retired Elementary Grade teacher with initial 15 members and capital contribution of Php 5, 000.00. The members are market vendors and farmers who sell their produce during market days in the Labo Public Market. In January 25, 1990, the association was converted into a cooperative and was registered with Bureau of Agricultural Cooperative Development in the name of Labo Market Vendors Multi-Purpose Service Cooperative under registration No. RV-FF-358 and was confirmed by CDA on of April 1 1991, under Confirmation No. 1065.

From lending operation the coop extended its services with savings and consumers store for the growing members. The coop continued to grow without experiencing any single losses for its 20 years of operation as multi-purpose cooperative. Started in the municipality of Labo, it expands its operation province wide. The coop various services now caters to 2,099 regular and associate members. It provides Working Capital Loan for SME’s, Agricultural Loan for Farmers and Salary Loan for Employees and Public Officials. The coop also offers Scholarship, Health and Educational Loan, Damayan and Life and Non- life Insurance to members and their immediate families. On 1995, through loan from LBP, the Coop was also able to buy a 1.3 has. of land in Brgy. Malasugui, Labo, Camarines Norte, where the Office and Training Center including the three other buildings for Coop Agri-Business project are located. Part of this was subdivided into lots and offered to members for loan at minimal interest and longer terms.  After a series of revision of coop name, the amendments to Articles of Cooperation and By-Laws was made last year of 2006, changing its name to Labo Progressive Multi-Purpose Cooperative. The coop was an affiliate of CNKUI, Coop Bank of Camarines Norte, CNCU, BCDC, LIMCOMA MP Coop, Metro South Cooperative Bank, CLIMBS and NATCCO. The major creditors of cooperative are Land Bank of the Philippines, UCPB-CIIF and NATCCO Central Fund. As of October 31, 2007, members of Cooperative are 2,041: Farmers 1,047; Fisher folks 140; SME’s 485; Employed 369. Total paid-up capital is Php 7,301,462.96 and a total assets of Php 25,586,589.32.

The LPMPC with the good governance of Board of Directors and Committee Members, honest and committed performance of management staff and active involvement of the general membership, it received different awards from the municipal, provincial, regional and the national level. Such are Provincial MOST OUTSTANDING COOPERATIVE for 3 years, 2 years GAWAD SAKA Regional Winner and National Finalist, 2 years LBP GAWAD PITAK Regional Nominee and once National Finalist and 2006 National Nominee for LGU-COOPERATIVE PARTNERSHIP AWARD.

 Reserched by: Keziah C. Viray

About VIMSS

The Virtual Institute of Microbial Stress and Survival (VIMSS), based at Lawrence Berkeley National Laboratory, supports an integrated and multi-institutional program to understand the ability of bacteria and other microorganisms to respond to and survive external stresses.VIMSS was established in 2002 with funding from the U.S. Department of Energy Genomics: GTL Program for Rapid Deduction of Stress Response Pathways in Metal/Radionuclide Reducing Bacteria.

Organizational Chart

Researched By: Keren C. Viray

 About NIRSA

NIRSA is the leading resource for professional and student development, education, and research in collegiate recreational sports.

NIRSA was established in 1950, when Dr. William Wasson convened a meeting of 22 African-American men and women from 11 Historically Black Colleges and Universities at Dillard University in New Orleans.

Headquartered in Corvallis, Oregon, NIRSA now includes nearly 4,000 highly trained professional, student and associate members throughout the United States, Canada and other countries. Serving an estimated 5.5 million students who regularly participate in campus recreational sports programs, NIRSA members are actively engaged in many areas of campus life: student leadership, development, and personnel management; wellness and fitness programs; intramural sports; sport clubs; recreation facility operations; outdoor recreation; informal recreation; and aquatic programs.

Organizational Chart

 Introduction:

      What is Business?

    A business (also called firm or an enterprise) is a legally recognized organizational entity designed to provide goods and/or services to consumers. A business needs a market. A consumer is an essential part of a business. Businesses are predominant in capitalist economies, most being privately owned and formed to earn profit to increase the wealth of owners. The owners and operators of a business have as one of their main objectives the receipt or generation of a financial return in exchange for work and acceptance of risk. Notable exceptions include cooperative businesses and state-owned enterprises. Socialistic systems involve either government, public, or worker ownership of most sizable businesses.

The etymology of “business” relates to the state of being busy either as an individual or society as a whole, doing commercially viable and profitable work. The term “business” has at least three usages, depending on the scope — the singular usage (above) to mean a particular company or corporation, the generalized usage to refer to a particular market sector, such as “the music business” and compound forms such as agribusiness, or the broadest meaning to include all activity by the community of suppliers of goods and services. However, the exact definition of business, like much else in the philosophy of business, is a matter of debate.

Does Business Benifit us A Lot?

We all know that business is been part of our everyday life. It is a source of living that cannot be loss and will still exist even generation to generation will pass. But how this Business really benefits every one of us? Here is a survey questionnaire to see how business is considered to be important.

Click here to start Survey

Gender and Development

         Gender-role development is one of the most important areas of human development. In fact, the sex of a newborn sets the agenda for a whole array of developmental experiences that will influence the person throughout his or her life.The often controversial study of the development of gender is a topic that is inherently interesting to parents, students, researchers, and scholars for several reasons. First and foremost, one’s sex is one of the most salient characteristics that is presented to other people. Second, who one is as a male or a female becomes a significant part of one’s overall identity; it is one of the first descriptors people use about themselves. Labeling oneself as a “boy” or “girl” can begin as early as age eighteen months. Third, gender is an important mediator of human experiences and the way in which individuals interact with each other and the physical environment. Individuals’ choices of friends, toys, classes taken in middle school, and vocation all are influenced by sex. Finally, the study of sex, gender development, and sex differences becomes the focal point of an age-old controversy that has influenced the field of developmental psychology: the nature-nurture controversy. Are gender roles and sex differences biologically determined? What are the effects of society and culture on gender and sex? How do biology (nature) and environment (nurture) interact and mutually influence each other in this significant dimension of human development?

When discussing gender-role development, the definitions of the terms “sex” and “gender” need to be understood. Referring to the nature-nurture controversy, scholars have found it important to distinguish those aspects of males and females that can be attributed to biology and those that can be attributed to social influences. The term “sex” denotes the actual physical makeup of individuals that define them as male or female. Sex is determined by genetic makeup, internal reproductive organs, the organization of the brain (such as in the control of hormone production), and external genitalia. By contrast, the behavior of individuals as males or females, the types of roles they assume, and their personality characteristics, may be as much a function of social expectations and interactions as their biological makeup. For example, in American culture, females are expected to be nurturing, and males aggressive. These behaviors and characteristics are dependent upon the social context. In order to differentiate social roles and behaviors from biological features, scholars refer to these as “gender” and “gender roles.” Obviously, sex and gender are intertwined. Social expectations usually are enacted once body parts reveal the biological makeup of the individual.

Both sex and gender have a developmental story to tell that begins before birth (prenatal) and continues throughout the lifespan. Important developmental changes occur from conception through the adolescence years, and there are important theoretical perspectives and research studies that have tried to shed light on these developmental accomplishments.

Who Show’s Greater Performance In or Out of the Organization?

       In our history it was said that man are more powerful in all aspects of life but that was change because as you can see today, woman are now as capable as man does. As the matter of fact woman and man are equal it is difficult to determine who is more dominant among them so there are surveys being done to prove “who is more dominant man or woman?” Would you like to know who really is more powerful and behaves more in the society and in business world? Then try to answer this survey.

Click here to start Survey

Novaliches Development Cooperative

BRIEF BACKGROUNDIn the latter part of the ‘70s, a slaughterhouse in Novaliches was ordered closed by the local government due to sanitation and health considerations. This prompted the vendors in Susano Market to hold a meeting to address this concern. Their agenda was mainly to provide solution to the meat vendors’ problem of lack of meat supply and the lack of capital to continue their businesses and to address the sanitation and health. Thus, in a subsequent meeting the idea of forming a cooperative was brought up.

There were 15 founders who infused a total initial capitalization of P 7,000.00 to the cooperative. Soon, more people were convinced to join as members with the idea of pooling each other’s resources to address each other’s needs. There were 70 original members when Novaliches Vendors Credit Cooperative Incorporated was first registered on September 3, 1976. The co-op was, later re-registered and renamed  Novaliches Development Cooperative or NOVADECI. The newly formed cooperative underwent  numerous trials and problems. Initially, the group could not afford to lease a space to hold office for their business transactions and for holding their meetings.  Because of this, the founders utilized their residences as the venues of their assemblies.

The creation of the NOVADECI came to the knowledge of the market owner so that, the fear of the market owner on the coop’s taking over the management of their market resulted to the eviction of the members of the Cooperative from their Market stalls. However, the members took everything in stride and considered these problems as challenges in molding them into a stronger and better organization and to work harder.

In 1984, the co-op opened its membership even to non-market vendors. Gradually, the co-op’s membership grew in size and  expanded its  operations.  In 1989, the co-op which was once had no place of its own acquired a lot and built a four storey building located in Novaliches Proper.  Nine years later an additional six-storey building was built  beside the first  building.  NOVADECI  adopted the VISION statement “ WE ARE THE NUMBER ONE SUSTAINABLE, VIABLE and CUSTOMER-FRIENDLY FINANCIAL INSTITUTION RESPONSIVE TO MEMBERS’ NEEDS” and MISSION of “ WE IMPROVE THE SOCIO – ECONOMIC WELL – BEING OF OUR MEMBERS THROUGH EXCELLENT FINANCIAL AND ALLIED SERVICES”.   It  was geared towards providing  diversified services to the members. To date, the co-op’s products and services include/ health and medical services, mutual benefit services, savings products, loan products, consumer and  marketing services, and  educational services.

Aside from these services, NOVADECI has launched and implemented some  big projects  and programs. Among these are the housing project, micro- finance project, and livelihood program.  NOVADECI  also involves itself in community services such as tree planting, medical and dental mission, mass feeding and fund raising campaigns in support of its socio-civic programs.

Entrepreneurship

Entrepreneurship is the process of starting up anew business or r an organization whereby an individual or a group of individuals uses organized efforts and means to pursue opportunities, to create value and grow by fulfilling wants and needs trough innovation and uniqueness. 

3 important themes stand out in this definition 

• The pursuit of opportunities-through coordination and teamwork one organization can pursue or chase any opportunities that will help the organization to achieve its goal.
• Innovation - In business world changes always occur so it is important to consider these changes and have innovation or “have something new” to cope up with these changes.
•  Growth  - As organization gets up step by step in attaining its goal as well as it grow and grow and grow.  

Who are Entrepreneurs?                                    Entrepreneur is a person who is willing and able to convert a new idea or invention into a successful innovation. Characteristics of an Entrepreneur

• The entrepreneur has an enthusiastic vision, the driving force of an enterprise.
• The entrepreneur’s vision is usually supported by an interlocked collection of specific ideas not available to the marketplace.
• The overall blueprint to realize the vision is clear; however details may be incomplete, flexible, and evolving.
• The entrepreneur promotes the vision with enthusiastic passion.
• With persistence and determination, the entrepreneur develops strategies to change the vision into reality.
• The entrepreneur takes the initial responsibility to cause a vision to become a success.
• Entrepreneurs take prudent risks. They assess costs, market/customer needs and persuade others to join and help.
• An entrepreneur is usually a positive thinker and a decision maker.

 Importance and contributions of Entrepreneur in the society 

1. They develop new markets

 Market- is consisting of people who are willing and able to satisfy their needs. They develop new markets because they provide the products and services that will satisfy to our needs. 

2. Discover new sources of materials

 Entrepreneurs are never satisfied with traditional or existing sources of materials. Due to their innovative nature, they persist on discovering new sources of materials to improve their enterprises. In business, those who can develop new sources of materials enjoy a comparative advantage in terms of supply, cost and quality. 

3. Mobilize capital resources

 Entrepreneurs are the organizers and coordinators of the major factors of production, such as land labor and capital. They properly mix these factors of production to create goods and service. Capital resources, from a layman’s view, refer to money. However, in economics, capital resources represent machines, buildings, and other physical productive resources. Entrepreneurs have initiative and self-confidence in accumulating and mobilizing capital resources for new business or business expansion. 

4. Introduce new technologies, new industries and new products

  Aside from being innovators and reasonable risk-takers, entrepreneurs take advantage of business opportunities, and transform these into profits. So, they introduce something new or something different. Such entrepreneurial spirit has greatly contributed to the modernization of economies. Every year, there are new technologies and new products. All of these are intended to satisfy human needs in a more convenient and pleasant way. 

5. Create employment

 The biggest employer is the private business sector. Millions of jobs are provided by the factories, service industries, agricultural enterprises, and the numerous small-scale businesses. For instance, the super department stores like SM, Uniwide, Robinson and others employ thousands of workers. Likewise giant corporations like SMC, Ayala and Soriano group of companies are great job creators. Such massive employment has multiplier and accelerator effects in the whole economy. More jobs mean more incomes. This increases demand for goods and services. This stimulates production. Again, more production requires more employment. Advantage of Entrepreneurship Every successful entrepreneur brings about benefits not only for himself/ herself but for the municipality, region or country as a whole. The benefits that can be derived from entrepreneurial activities are as follows:

1. Enormous personal financial gain
2. Self-employment, offering more job satisfaction and flexibility of the work force
3. Employment for others, often in better jobs
4. Development of more industries, especially in rural areas or regions disadvantaged by economic changes, for example due to globalization effects
5. Encouragement of the processing of local materials into finished goods for domestic consumption as well as for export
6. Income generation and increased economic growth
7. Healthy competition thus encourages higher quality products
8. More goods and services available
9. Development of new markets
10. Promotion of the use of modern technology in small-scale manufacturing to enhance higher productivity
11. Encouragement of more researches/ studies and development of modern machines and equipment for domestic consumption
12. Development of entrepreneurial qualities and attitudes among potential entrepreneurs to bring about significant changes in the rural areas
13. Freedom from the dependency on the jobs offered by others
14. The ability to have great accomplishments
15. Reduction of the informal economy
16. Emigration of talent may be stopped by a better domestic entrepreneurship climate

Report By: Keziah C. Viray

Total Quality Management (TQM) is a business management strategy aimed at embedding awareness of quality in all organizational processes. TQM has been widely used in manufacturing, education, call centers, government, and service industries, as well as NASA space and science programs.

Is the process of instilling quality throughout an organization and its business processes.

Is a comprehensive and structured approach to organizational management that seeks to improve the quality of products and services through ongoing refinements in response to continuous feedback.

Total Quality Management (TQM)

Total = Quality involves everyone and all activities in the company.

Quality = Conformance to Requirements (Meeting Customer Requirements).

Management = Quality can and must be managed.

TQM = A process for managing quality; it must be a continuous way of life; a philosophy of perpetual improvement in everything we do.

 TQM is composed of three paradigms:

• Total: Involving the entire organization, supply chain, and/or product life cycle
• Quality: With its usual definitions, with all its complexities.
• Management: The system of managing with steps like Plan, Organize, Control, Lead, Staff, provisioning and organizing

As defined by the International Organization for Standardization (ISO):

“TQM is a management approach for an organization, centered on quality, based on the participation of all its members and aiming at long-term success through customer satisfaction, and benefits to all members of the organization and to society.” ISO 8402:1994

One major aim is to reduce variation from every process so that greater consistency of effort is obtained. (Royse, D., Thyer, B., Padgett D., & Logan T., 2006)

In Japan, TQM comprises four process steps, namely:

1. Kaizen – Focuses on “Continuous Process Improvement”, to make processes visible, repeatable and measurable.
2. Atarimae Hinshitsu – The idea that “things will work as they are supposed to” (for example, a pen will write).
3. Kansei – Examining the way the user applies the product leads to improvement in the product itself.
4. Miryokuteki Hinshitsu – The idea that “things should have an aesthetic quality” (for example, a pen will write in a way that is pleasing to the writer).

TQM requires that the company maintain this quality standard in all aspects of its business. This requires ensuring that things are done right the first time and that defects and waste are eliminated from operations.

A comprehensive definition

Total Quality Management is the organization wide management of quality. Management consists of planning, organizing, directing, control, and assurance. Total quality is called total because it consists of two qualities: quality of return to satisfy the needs of the shareholders, and quality of products.

Origins

“Total Quality Control” was the key concept of Armand Feigenbaum’s 1951 book, Quality Control: Principles, Practice, and Administration. In a chapter titled “Total Quality Control” Feigenbaum grabs on to an idea that sparked many scholars’ interest in the following decades that would later be catapulted from Total Quality Control to Total Quality Management. W. Edwards Deming, Joseph Juran, Philip B. Crosby, and Kaoru Ishikawa, known as the big four, also contributed to the body of knowledge now known as Total Quality Management.

The American Society for Quality says that the term Total Quality Management was used by the U.S. Naval Air Systems Command “to describe its Japanese-style management approach to quality improvement.” This is consistent with the story that the United States Navy Personnel Research and Development Center began researching the use of statistical process control (SPC), the work of Juran, Crosby, and Ishikawa, and the philosophy of W. Edwards Deming to make performance improvements in 1984. This approach was first tested at the North Island Naval Aviation Depot.

A core concept in implementing TQM is Deming’s 14 points

A core concept in implementing TQM is Deming’s 14 points, a set of management practices to help companies increase their quality and productivity:

1. Create constancy of purpose for improving products and services.
2. Adopt the new philosophy.
3. Cease dependence on inspection to achieve quality.
4. End the practice of awarding business on price alone; instead, minimize total cost by working with a single supplier.
5. Improve constantly and forever every process for planning, production and service.
6. Institute training on the job.
7. Adopt and institute leadership.
8. Drive out fear.
9. Break down barriers between staff areas.
10. Eliminate slogans, exhortations and targets for the workforce.
11. Eliminate numerical quotas for the workforce and numerical goals for management.
12. Remove barriers that rob people of pride of workmanship, and eliminate the annual rating or merit system.
13. Institute a vigorous program of education and self-improvement for everyone.
14. Put everybody in the company to work accomplishing the transformation.

Ten Steps to Total Quality Management           (TQM)

     The Ten Steps to TQM are as follows:

1. Pursue New Strategic Thinking
2. Know your Customers
3. Set True Customer Requirements
4. Concentrate on Prevention, Not Correction
5. Reduce Chronic Waste
6. Pursue a Continuous Improvement Strategy
7. Use Structured Methodology for Process Improvement
8. Reduce Variation
9. Use a Balanced Approach
10. Apply to All Functions

Easy Cash From Greeting Cards

( By: Kabuhayang Swak na Swak)

Christmas, Birthdays or just even if you want to be sweet there is always a reason to send greeting cards. Who in the world won’t like to accept a greeting card from someone who thinks of you? Not every one has an email address and not everyone have access to a computer to receive electronic greeting cards so it’s never out of season to make a traditional greeting card sent via post office. And if you know how to make one you can profit or earn from it.

You only need a small capital for a home based business opportunity making greeting cards. Aside from paper you can use different kinds of materials to decorate your cards. Be creative and resourceful to make beautiful and unique cards. The return of investment is very easy if you are just industrious enough on selling. Below are the materials needed to make a simple greeting card:

How to Make a Greeting Card:

1. Make a Sketch. Make a sketch on a piece of white paper preferably a bond paper using an ordinary pencil. Make the design small and should not exceed 3? x 3? area. Make the design as simple as possible for it to be looking neat.

2. Transfer the Design. Trace the design you made using the tracing paper and an ordinary pencil. Then flip the tracing paper and trace again the design at the back using an 8B pencil. This is for making a carbon effect to transfer the design again to the hand made paper. Then get the 3? x 3? hand made paper and superimpose the tracing paper then trace the drawing using a ball pen with no ink (that’s that carbon effect). Be careful not to puncture the tracing paper which you can use again for tracing. I think if you have a computer it’s easier to make the pattern and print directly on the handmade paper.

3. Paint the Background. You can use water color, poster paint, oil pastel or colored pencil for coloring the background. Wait for it to dry. Choose colors that will blend on the design you just made.

4. Paint or color the Subject or Focal Point of the Drawing. Its good to use oil pastel for large areas and the colored pencil so the lines will be defined. Trace the outline with a sign pen to enhance the design. You can also use different mediums for coloring and will be more attractive if you use various coloring medium.

5. Put Life in Your Design. Be creative! use bamboo shavings, pieces of cloth, dried flowers and leaves, glitters and other things you can imagine to make it more realistic. Use bamboo stick on applying glue to make it cleaner and precise. Put a plastic sheet on the design and wipe with a piece of cotton cloth to remove the excess glue.

6. Put Borders. Apply glue on pieces or coconut fibers. Twist and roll it to make a small twine or rope. Cut and glue the rope-like coconut fibers to the sides of the handmade paper. This will serve as borders of the greeting card design.

7. Assemble the Card. Fold the 5? x 10? thick handmade paper in two, like a greeting card. Then glue the 3? x 3? handmade paper design which you have made previously on front of the card. Let it dry and put in the envelope. You can now sell it as a home based business or give it to your love ones.

Courtesy of: Batang Atikha Savers Club and Globe Masigasig

greeting cards

Gift Basket for Gardeners-A unique gift or for Home Based Business

(by: Kabuhayang Swak na Swak )

Because every year we celebrate many occasions like birthday, graduation, Valentines and specially this coming Holiday Season like Christmas and New year, giving gifts is always there. So there are lots of
home based business opportunity to earn on making unique gift baskets. You can even have a gift basket business and sell your gift baskets online.

To make it unique and became a hit you should think of a theme for your gift baskets specially if you are planning to have a have a gift basket business. For example, if your target market is people who love to cook, make a gift basket with pasta, canned tomatoes, olive oil, cheese and italian cookbook then put it in a cooking pot. To those who loves craft put a craft scissors, glue, art papers with assorted colors, stickers and scrapbook in a box.

Below is a sample of how to make a gift basket for gardeners. Call it what ever you want, Gift Baskets for Gardeners Etc.

Materials Needed:

- Gardening Tools set
- Gardering gloves
- Gardening book
- Different kinds of plant seeds
- Plant markers
- Liquid fertilizer
- Hand lotion

How to make the gift basket:

1. If the pot you have chosen is deep, put filler first. You can use crumpled Japanese paper. Blend the color of the container to the color of the filler. You can also use dried moss.

2. Arrange the contents inside the pot or the container. Tape the small things to avoid dropping out. You can also tape all the contents to make it unmovable. Add filler to make the pot or container look full.

3. Put ribbon or any decoration fit to the theme of your gift basket. Experiment which type is suitable. You can also put leaves to make it more attractive

4. Wrap the whole thing in cellophane and tape it nicely so the contents can be seen. You can use colored or transparent cellophane depending on your taste.

5. And finally put ribbon and gift tag. Perfect for a home based business.

Courtesy of: e-kain.com and Globe Masigasig

gift baskets