7/21/2019 East West Seed Growers Case Study Abstract
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THE CUMABAO, NAMNAMA, CAMASI, DY-ABRA EAST-WEST SEED
GROWERS MULTIPURPOSE COOPERATIVE
CREDIT PROGRAM: A CASE STUDY
ABSTRACT
The Cumabao, Namnama, Camasi, Dy-Abra East-West Seed Growers
Multipurpose Cooperatie !CNCD-M"C# is a $ooperatie en%a%ed in
mar&etin% and
$redit operations' The CNCD-M"C is a brain$hild o( the East-West
Seed Company
!EWSC# to a$t as a $onduit amon% its hybrid seed %rowers in
Tumauini, )sabela' CNCD-
M"C was also established to (a$ilitate the distribution o(
assistan$e needed by the (armer
members $omin% (rom East-West' Althou%h it seems that the
$ooperatie is doin% well in
its businesses due to the (a$t that they hae a $aptured
mar&et and that they hae the (ull
support o( EWSC, there are si%ns that the $ooperatie is
stru%%lin% (inan$ially su$h as
their inability to pay their debts on time and the pilin% up o(
past dues and ina$tie loans'
Thus, there is a need to analy*e the loan pro%ram implementation
and the (inan$ial
position o( the $ooperatie' The type o( resear$h is a $ase study
usin% +ualitatie and
+uantitatie analysis' ualitatie analysis was used on the
ealuation o( the pro%ram
%uidelines and its e((e$t on repayment while
+uantitatie(inan$ial analysis was used in
ealuatin% the (inan$ial position o( the $ooperatie' The
+uantitatie data used in this
resear$h was the audited (inan$ial statements o( the $ooperatie'
The result o( the study
reealed that the $ooperatie has poor ability to $olle$t a$$ounts
re$eiable $aused by
insu((i$ient number o( sta((' This resulted to an in$rease rate
o( delin+uent $lientspast
due a$$ounts and $onse+uently, insu((i$ient bud%et to (inan$e
the needs o( their (armer
%rowers' .ased on the wei%hted de$ision $riteria, stri$t
monitorin% and implementin%
poli$y %uidelines is hi%hly re$ommended' A reised loan pro%ram
was also proposed to
address some wea&ness o( the $urrent loan pro%rams' CNCD-M"C
has all the needed
