2. Business Development Services Manager 2014-2015 Microfinance Manager 2004-2015 Technical Officer 2000-2004 Project Officer of various community development projects Asian Development Educator PROJECT PROPOSAL DEVELOPER: JULIET C. RAWLINSON Paglaum Multi-Purpose Cooperative Philippines

3. PAGLAUM MULTI PURPOSE COOPERATIVE CDA Reg. No. 9520- 10005976 JULIET CAHILAP-RAWLINSON Manager, Credit Union Microfinance Innovation Paglaum Multi Purpose Cooperative Plaridel, Misamis Occidental, Philippines – Main Office www.paglaumcoop.org.ph SUSTAINING THE GAINS OF RURAL AND WOMEN ENTREPRENEURSHIP

4. 1983 as Paglaum Community Development Center SOCIAL SERVICES * HEALTH AND NUTRITION * EDUCATION -Academic (Scholarship) -Day Care -Non Formal Education/Skills Training -Christian Nurture *COMMUNITY DEVELOPMENT - Literacy - Health & Nutrition - Skills Training/NFE - Responsible Parenthood - Coop Capability Building 1992- Organized the Livelihood Arm registered as PAGLAUM MULTI-PURPOSE COOPERATIVE - a community-oriented child development center under the network of Kindernothilfe(KNH), Germany

5. Original building of Paglaum COOP Parents of the Paglaum Community Development Center, collecting bags of cement from a sunken barge to be used in the construction of the first Paglaum Building. Parents of the Paglaum Community Development Center, collecting bags of cement from a sunken barge to be used in the construction of the first Paglaum Building.

6. 1992 1997 2004 2012 to present PMPC…How it all begun?  35 founding members (6 male and 29 female)  PhP 2,000.00 initial capital  Rice Trading- coop’s first business  Mr. GADWIN E. HANDUMON- founding cooperator /pioneer member and General Manager  Open-type coop (Savings and Credit)

7. PMPC Caters 45% Small Farmers 2% Differently-abled Person 4% Indigenous People 28% Small Fisherfolks 21% Micro-entrepreneurs PMPC Caters Coop Membership 80% Female 20% Male Coop Membership 80% Female 20% Male

8. Area of Operation: Misamis Occidental In 2006: 10 th Poorest Province Nationwide Poverty Incidence in Families (2006): 48.8% Magnitude of Poor Families (2006): 54,247 In 2014 it’s still among the top 20 poorest province in the country Northern Mindanao total agricultural land area 746,901 hectares Idle Land 20,374 hectares Total population of 4,297,323 Poverty incidence among families in 2012 of 32.80%

10. FEBRUARY 2014JANUARY 2015 No. of ‘have less’ members30,13930,463 Average Loan per memberPesos 5,595 (US $ 125) Pesos 2,939 (US$ 67) Average Savings per memberPesos 542 (US $ 12.18) Pesos 675 ( US$ 15) Average Shares per memberPesos 2,043 (US $ 46) Pesos 3,022 (US $ 69) Portfolio at Risk ( 1 day missed payment) 17% Staff to member Ratio1:3311:417 Number of Members with Loans 17,02817,606 Number of Members without Loans 13,11112,857 COMPARATIVE DATA :

11. PROBLEM / NEEDS OBJECTIVESINPUTSPOSSIBLE NETWORK SUPPORT Lack of needed supply of the enterprise against demand Form contract growers Identify enterprise that commands high market demand and areas Development, research and technology Engagement of traditional enterprises of women’s micro- entrepreneurs Develop local resources with application of value chain to open up new business opportunities Train the members and link with local government or agencies -Training support -Technology -Sharing of best practices -Building replicable business models towards scale

12. Proposed Solutions Conduct capability building related to agricultural enterprises to rural farmers Organize farmer / growers per commodity Increase number of enterprises having position in the market

13. Proposed Solutions Increase income and employment opportunities in rural household Encourage farmer’s children to take up agricultural related courses Increase number of start-up projects Utilize local resources

14. Project Outcomes: Form 50 farmer members as contract growers Form 20 manufacturers of herbal essential oils Form 30 essential oils and other Business Development Center product marketers Establish partnerships with at least 3 institutions.

15. Measurable Outcomes Baseline January 2015 Minimum Target December 2016 % increase (decrease) No. of ‘have less’ members30,46333,50910% Average Loan per member Pesos 2,939 (US$ 67) US$ 134100% Average Savings per memberPesos 675 (US$ 15)US$ 50233% Average Shares per memberPesos 3,022 (US$69)US$ 8320% Portfolio at Risk (1 day missed payment) 17%5%(70%) Staff to member Ratio1:4171:4181% Number of Members with Loan17,60627,28955% Number of Members without Loan 12,8576,220(48%) Number of contract growers 0 50100%

16. Training Business Skills and Management Financial Management (Simple Bookkeeping and Accounting Financial Literacy Marketing Link entrepreneurs to market Business Development Center Branch Business Development Corner Research Market survey Product Study Provide Market Information Product Development Business Idea Generation Feasibility Analysis Prototype Production (Product Design, Packaging, Technology Transfer and Testing) Business Development Services Component Sister SocietyPasalubong Center Coffee Shop

17. Conclusion To form contract growers Develop local resources through value chain

18. May we be as ONE in helping each woman to be an active player in the value chain. JULIET C.RAWLINSON naika_lyle@yahoo.com +6309187257631 Paglaum Multi Purpose Coop Philippines