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Most Outstanding RFI for Luzon 1

Cooperative Rural Bank of Bulacan


The Cooperative Rural Bank of Bulacan is regarded today as the leading cooperative bank and the fifth largest rural bank in the country, with over P2 billion in total resources. In 2009, it marked the 30th year of its founding in 1978. Also in 2008, CRBB opened in Banga, Meycauayan, Bulacan its 12th branch.


CRBB was organized in May 1975 by 35 Samahang Nayon and primary cooperatives of the province to extend credit to all types of cooperatives and their members. For the first seven years, CRBB only had its head office in Plaridel lending mainly to its members. Then, between 1996 and 1998, CRBB expanded rapidly, opening seven branches in seven Bulacan towns, and offering more services to a much wider territory. By 2007, the bank opened six more branches in different towns of the province.


The microfinance products of the bank includes the “Paluwagang Nayon ng CRB Bulacan”, catering mainly to microentrepreneurial women of Bulacan, parts of Pampanga, and Nueva Ecija; the Livelihood Credit Assistance Program, a partnership with the NLDC that extends credit primarily to agrarian reform beneficiaries and others engaged in agri-based projects; the Gintong Ani Production Loan Program that finances pre and post-harvest requirements of farmers and provides them with technical support; and Financial Assistance for OFWs.

Most Outstanding RFI for Mindanao

Rural Green Bank of Caraga Inc.


Green Bank, which has its headquarters in Butuan City, Surigao, is the first rural bank in the Philippines to establish branches in Luzon, Visayas, and Mindanao. From six branches and P260 million in total resources in 2000, it had expanded to 41 branches and 52 kiosks with more than P1.6 billion in resources by 2006. The following year and thereafter, the bank opened branches in Puerto Princesa, Naga, Cainta, Davao, and General Santos.


The bank serves some 200,000 depositors and services more than 60,000 borrowers. Aside from its microfinance products, it also gives pension, salary, agricultural, commercial loans, and other banking services. It provides remittance services using G-Cash and Western Union.


Deeply involved in environmental concerns, Green Bank has partnered with Shell and the Department of Energy to provide electricity to rural villages through solar panels. The bank has also won various awards given by the BSP, Land Bank, and SSS.

Most Outstanding Cooperative for Mindanao

Baug CARP Beneficiaries Multi-Purpose Cooperative


Based in Magallanes, Agusan del Norte, the BCBMPC started as an association of aqua culture developers in that town. The members were ARBs engaged in culturing bangus and prawn. It was a closed coop, servicing only its members.


In February 2004, the association launched its credit and savings operation, opening its membership to the whole of Agusan del Norte province, and later to the Caraga region. In a span of four years, the cooperative grew from 110 pioneer members to 2,531 members. It opened three branches and one satellite office in Butuan City and the rest of the province.


As of 2008, the coop has expanded to over 4,000 members, total assets of over P83 million, and total loan portfolio above P51 million. It provides services to members in its 300-hectare prawn production center; consumers’ store, and a savings and loan operation involving salary and pension loans, livelihood, providential, and microfinance credit. In the same year, it was awarded by Land Bank for being the Best in Environmental Protection and Management among cooperatives. The Department of Agrarian Reform cited it for being “Pinakamaunlad na Organisasyon ng mga Benepisyaro ng Repormang Pansakahan” in June 2009.

Most Outstanding Cooperative for Visayas

Northern Samar Development Workers’ Community Cooperative


In March 1985, the NSDWCC was registered with the Cooperative Development Authority with 15 members contributing minimal capitalization. Its members were mostly farmers and fishermen, and government employees based in Catarman, Northern Samar.


Today it has 2,700 regular members, assets of over P124 million, a savings deposit of some P23 million, and loan portfolio of P80 million. It has a main office building and four branch offices. It employs a staff of 60 and has assisted 2,058 microentrepreneurs in livelihood generation. It offers salary, educational, emergency, and OWWA loans. Its social services include cooperative training, mortuary assistance, and health care. It is involved in training for coops, financial literacy, microfinance business forums, livelihood training, and quasi-banking operations.

Most Outstanding NGO for Luzon 1

Alalay sa Kaunlaran Inc.


ASKI envisions “a God-centered, model microfinance organization committed to serve the needy in Luzon through socio-economic development and holistic transformation.” 


ASKI operates mainly in Northern and Central Luzon, providing various poverty-alleviation projects to some 55,000 clients, the bulk of whom come from Cagayan Valley, Isabela, and Nueva Ecija. It has 21 branches serving 158 towns and 11 cities covering 2,695 communities.


Its loan portfolio amounts to over P379 million. Its product offering in 2008 comprises housing loan, 14% of portfolio amounting to P38 million; livelihood, 33% or P90 million; agricultural loan, 32% or P89 million; individual lending, 16% or P45 million, and other lending programs.


ASKI actively pursues training programs such as farm management, grassroots entrepreneurship, microfinance coaching, financial training, financial education, micro agri-aqua business development, and business planning and financial projections with microfinance.

Most Outstanding NGOe for Mindanao

Kasanyangan Center for Community Development Foundation Inc.

In October 2001, an informal microfinance program was started in Zamboanga City with the idea of improving the lives of the poor in Region IX by applying Grameen lending system. The program began with 225 members in the western villages of the city. After four years, the program was spun off by its board of trustees to form a new foundation, the KCCDFI.


Although its founder had initially favored the Grameen lending system he had learned at the Center for Agriculture and Rural Development, the board decided to change this to another method of lending. Moving from Grameen or group lending to individual lending, the followed the Association fro Social Advancement or ASA system which is noted for its cost effective and sustainable operation.


The KCCDFI has since grown to be one of the most active microfinance organizations in the region, and has helped thousands of poor entrepreneurs, farmers, and ordinary employees in microfinance and lending services.

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