1. Indonesia API case: -One cooperative of cocoa, the assets is 5 billion rupiah per harvest (18 million pesos) in West Sulawesi Province (members of the cooperative : 800 persons; each saves at the first installment IDR 100,000 equal USD 7.1) -The cooperative use their members’ saving to run the business (join venture and reported in annual member meeting).

2. Japan Most interesting: - insurance Japan case: - 3% rice income as insurance deposit per year - depends on land: mountain area has low yield, so low deposit - coverage: natural disasters Advise: - pooling funds is a good cooperative activity

3. Myanmar AFFM case: - Collecting 10,000 (currency?) for some sort of poverty reduction fund from government - Deposited in the bank and used as revolving fund that members can borrow from Another case: - 1% premium on price that goes back to farmers

4. The Philippines Pakisama Link farmers to the existing financing facility such government, NGO, NATCCO Provide capacity building to farmers to start or establish savings integrated in their activities How to apply: be partner of NATCCO, encourage members to become members of NATCCO Suggestion of Nonoy and Ainoukai: The new insurance system (welfare insurance guaranteed by the government – the government pay to the farmers in case of calamity

5. Korea Insurance : 39 crops covered by insurance – it is government subsidized insurance – now 55 crops covered Government and the private insurance company gathered/combine the systems