U - International Cooperative Alliance

Transcription

Malaysia Co-operative Societies
Commission, Ministry of Domestic
Trade, Co-operatives and
Consumerism
1st Asia-Pacific Co-operative
Registrars’ Conference
on
Sound Tuning of Co-operative Law,
Policy & Regulation and
Primary Co-operatives By-Laws
10-11 December 2013
Kuala Lumpur, Malaysia
RESOLUTION & REPORT
Organised by
The International Co-operative Alliance – Asia and Pacific
in collaboration with the
Malaysia Co-operative Societies Commission,
Government of Malaysia and the
Malaysian National Co-operative Movement (ANGKASA)
1st Asia-Pacific Co-operative
Registrars’ Conference
on
Sound Tuning of Co-operative Law,
Policy & Regulation and
Primary Co-operative By-Laws
10-11 December 2013
RESOLUTION & REPORT
Organised by
The International Co-operative Alliance – Asia and Pacific
in collaboration with the
Malaysia Co-operative Societies Commission,
Government of Malaysia and the
Malaysian National Co-operative Movement (ANGKASA)
1st Asia-Pacific Co-operative Registrars’ Conference on
Sound Tuning of Co-operative Law, Policy & Regulation
and Primary Co-operatives By-Laws
10-11 December 2013
INTERNATIONAL CO-OPERATIVE ALLIANCE
ASIA AND PACIFIC
9 Aradhana Enclave, R.K. Puram, Sector 13, Ring Road,
New Delhi 110 066, India
Phone : [91-11] 26888250
Fax
: [91-11] 26888067
Global Office
Alliance Co-opérative Internationale - AISBL
Avenue Milcamps 105, 1030 Brussels, Belgium
© ICA-Asia and Pacific
March 2014 [350] copies
ISBN : 81-89550-09-8
Printed at Diamond Press, HS-14, Kailash Colony Market, New Delhi-110048.
Phone: +91-9811172786, +91-11-29232837 Email: [email protected]
2
1ST ASIA-PACIFIC CO-OPERATIVE REGISTRARS’ CONFERENCE,
KUALA LUMPUR, MALAYSIA - 2013
RESOLUTION & REPORT
Contents
1.
Preface by Dr. Chan Ho-CHOI, Regional Director, ICA-Asia and Pacific
5
2.
Rules and Procedures of the Conference
7
3.
Report of Proceedings of the Conference
8
4.
Conference Resolution
24
5.
System Elements – Dr. Chan Ho Choi, Regional Director
26
6.
Members of the Drafting Committee, Secretariat
27
7.
Concept Paper & Programme
32
8.
Findings of the ICA AP Study on By-Laws of Primary Co-operative Societies
Mr. Rangan Dutta – Principal Consultant
45
9.
Statement by International Agencies
10.
11.
Asian Confederation of Credit Unions
52
International Organisation of Industrial, Artisanal and
Service Producers’ Cooperatives [CICOPA]
66
International Labour Organisation - Maurizio Bussi
74
Opening Ceremony
Speech by H.E. Dato’ Hasan bin Malek, Hon’ble Minister of Domestic Trade,
Co-operatives and Consumerism, Government of Malaysia
78
Speech by Dr. Chandrapal Singh Yadav, Vice Chairperson, ICA Asia and Pacific
82
Lists of Presenters
Registrars of Co-operative Societies, Co-operative leaders and
Government representatives
87
12.
Panel Discussion
89
13.
List of Participants
90
RESOLUTION & REPORT
3
4
RESOLUTION & REPORT
Preface
I
t gives me much pleasure to present the ‘Resolution and Report’, of the first ever Asia Pacific
Co-operative Registrars’ Conference held in Kuala Lumpur, Malaysia on 10 and 11 December
2013. The Conference was attended by delegates from the Governments of ten countries
holding the position of the Registrar of co-operative societies or equivalent Authority
discharging the functions of the Registrars, and eighteen members of the ICA from the Asia
Pacific region from fourteen countries. The conference therefore was broad based and
represented the views of the Governments and the co-operative movement on the theme –
‘Sound Tuning of Co-operative Law, Policy & Regulation and Primary Co-operative By-Laws’
which was viewed as a strategic issue of co-operative development in the 10 th Regional
Assembly of the ICA Asia and Pacific held in Kobe, Japan in November 2012 on the ground that
the present process of making By-laws in most countries of the Asia Pacific region warranted
a review as the By laws of a primary co-operative society are its constitution providing legal
and functional framework. This suggests that in line with the International Co-operative Identity
Statement – Manchester 1995, the process of making By-laws should be so participatory as to
make it the outcome of a conscious and voluntary effort of the persons and their leaders
willing to form a co-operative, which is not the case at present, as in most countries the By
laws are prescribed with all details either in the law or the Rules made there under for adoption
by the co-operatives – an arrangement that places the Registrar in a position of unassailable
authority being responsible for laying down the format of By-laws and approving the By-laws
at the same time. This is not in tune with the co-operative philosophy and indirectly hinders
financial viability of the co-operatives and restricts participation of women and youth for want
of specific provisions in the By-laws.
These issues were presented to the conference in the theme paper titled ‘Study on By laws of
Primary co-operative societies’ circulated in a summary form followed by presentations made
by Registrars or the equivalent authorities, ICA members, International Agencies namely, the
International Labour Organisation, The Asian Confederation of Credit Unions and the CICOPA
who gave their views and suggestions. A panel discussion on the theme ‘Guidelines to make
By-laws’ was held in which panellists were drawn from the Government, co-operative
federations and the ICA which led to a lively discussion on the subject and the views expressed
were noted for drafting the Conference Resolution. The consensus reached at the Conference
is that the process of By-law making should be transparent and participatory allowing the
RESOLUTION & REPORT
5
members forming a co-operative to structure their activities consistent with financial viability
and efficiency based on members’ active participation in management and in availing the
services of the co-operatives and mandatory provisions for participation of women and youth
in the management on regular basis and avoidance of risky ventures as ‘concern for the
community’ and the underprivileged is a basic tenet of co-operative philosophy. Since small
co-operatives may not have this expertise, a hand holding role for the co-operative federations
in this matter must be institutionalised in the law and the policy. This will require an amendment
of laws and Rules and restrictions on the Rule making power of Governments.
The Conference also held that as a part of ICA’s effort to promote creation of an enabling legal
and policy environment conducive to co-operative development requires creation of a
Parliamentarians’ Network consisting of Parliamentarians committed to co-operative
movement to strengthen the efforts of the Registrars’/Regulators’ in establishing a responsive
legal and policy framework.
My earnest request to all is to study the materials and share it with concerned authorities,
leaders and managers of co-operatives in the Asia Pacific region at all levels in order to create
a climate of opinion favourable to introduction of the reforms in the co-operative laws and
policies in respect of the co-operative By-laws suggested here.
Chan Ho Choi, Ph.D.
Regional Director,
ICA-AP
6
RESOLUTION & REPORT
1st Asia-Pacific Co-operative Registrars’ Conference
on 10-12 December, 2013 in Kuala Lumpur, Malaysia
RULES & PROCEDURES FOR THE CONDUCT OF THE CONFERENCE
To be adopted by the Conference on 10th December 2013
1.0
The duration of the 1st Asia-Pacific Co-operative Registrars’ Conference (herein after
‘Registrars Conference’) organised by the International Co-operative Alliance – Asia Pacific
(herein after ICA-AP) is TWO days from December 10 to 11, 2013.
2.0
English shall be the official language of the Conference, and all discourse whereupon
will take place in the same language. Participants requiring translation-services at the
Conference are requested to make there on arrangements.
3.0
Each working day of the Conference will be divided into a Morning Session and an
Afternoon Session. There will be an ‘Open Forum’ for 15 Minutes after each session that
shall invite comments and queries to the speaker.
4.0
The Conference will be chaired by the elected Conference Chairperson and each session
will be chaired by a Session-Chair nominated by the Chairperson of the Conference.
5.0
A Committee will be constituted to draft the Joint Declaration along with Conference
Report for presentation at the Concluding Session on 11th December 2013 for adoption.
6.0
The invited speakers are listed in the conference program along with the subject of their
address and will be allotted a time limit. Any request to amend this will have to be taken
up with the Session Chair who will keep the time.
7.0
During Statements/Presentations, the speaker may use documents, slides, Audio/Video
and other reading material in order to effectively communicate. The said material shall
be prepared by the speakers in advance and provided to the conference organisers.
8.0
The Statements/Presentations will be uploaded in the Conference Website and will be
deemed to be in public domain.
9.0
All participants are expected to maintain decorum and extend their co-operation.
RESOLUTION & REPORT
7
Report of Proceedings of the Conference
The 1st Asia Pacific Co-operative Registrars’ Conference on ‘SOUND TUNING OF CO-OPERATIVE
LAW, POLICY & REGULATION AND PRIMARY CO-OPERATIVES BY-LAWS was held on 10 – 11
December 2013 at Hotel Dorsett Grand in Kuala Lumpur, Malaysia. The Conference objectives
summarised in the concept paper circulated are briefly to deliberate on co-operative
governance, experience sharing including best practices followed so as to arrive at a common
understanding of main issues – legal and practical for preparation of bye laws of primary cooperatives in a manner consistent with the ICIS- The ICA Statement on Co-operative Identity
and to consider common guidelines for adoption in the conference on framing of bye laws of
primary co-operative societies.
The Conference was attended by five Registrars of Co-operative Societies of countries in the
Asia Pacific, two equivalent authorities exercising the powers and functions of the Registrars
and seventeen persons representing apex co-operative and other co-operative federations
and three international organisations – International Labour Organisation, Asian Confederation
of Credit Unions and International Organisation of Industrial, Artisanal and Service Producers’
Co-operatives. The participation of the H.E Dato’ Hasan bin Malek, Honourable Minister of
Domestic Trade, Co-operatives and Consumerism, Government of Malaysia, Emmanuel S.
Santiaguel, Chairperson, Co-operative Development Authority of Philippines, Dr. Chandra Pal
Singh Yadav, Vice Chairperson of the ICA Asia and Pacific Board and Datuk Hj. Nik Ali Bin Mat
Yunus, Executive Chairperson, Malaysia Co-operative Societies Commission and around 200
co-operators representing the co-operative movement made the conference a broad based
conclave on the subject of bye laws taken up for the first time by the ICA Asia and Pacific (ICA
AP) as a strategic issue for co-operative development. The Regional Director of ICA AP drew
the attention of the conference to the System Elements in ‘Building Enabling Legal and Policy
Environment for Co-operatives in Asia-Pacific’ highlighting basic principles, institutions of
governance and their inter relationships for building this environment conducive to growth of
co-operatives. This constituted the framework of the proceedings of the conference. The
presentation made by the Principal consultant – ICA AP apprising the conference of the findings
of the study on bye laws of primary co-operative societies in the region formed the base
paper for deliberations of the Conference.
Delivering the inaugural address, the Honourable Minister of Domestic Trade, Co-operatives
and Consumerism, Malaysia informed the Conference that the Government of Malaysia has
accorded high importance to the co-operatives as a sector balancing market based economic
8
RESOLUTION & REPORT
activities under capitalism and state sector taking into account the social impact of globalisation
which necessitated a clear separation as well as simultaneous and harmonious growth of
agencies and sectors influencing the economy. This is in line with the Vision-2020 document
to make Malaysia a developed country by providing its citizens opportunities for growth in all
spheres. Malaysia is keen to expand social co-operatives as distinct from co-operatives engaged
purely in business activities as a means to maximise socio-economic benefits blending concern
for community with economic progress.
Dr. Chandrapal Singh Yadav, Vice Chairperson - ICA Asia and Pacific and President National Cooperative Union of India, gave an overview of the co-operative sector in India highlighting its
huge coverage in the form of 600, 000 co-operatives with 230 Million members in diverse
sectors. He also mentioned that in Asia Pacific region, the enactment of Co-operative Code
2009 in Philippines containing the seven ICA principles of Co-operative Identity and laying
down elaborate rules and procedures for specialised co-operative activities in 20 sectors, e.g.
agriculture and fisheries, the Co-operative Amendment Act 2009 of Bhutan and the cooperative
policy reforms measures in Sri Lanka, inclusion of the Right to form co-operatives as a
fundamental right in the list of Fundamental Rights in the Constitution of India, the Co-operative
Development Plan 2011-2016 of Philippines, the Iranian Plan to raise the share of the
cooperatives in the national GDP from the present 9% to 25% by 2020, the Japanese Basic
Plan for food and agriculture and rural areas for ensuring food security and the important role
assigned to co-operatives in the national effort must be viewed as outcomes of the advocacy
of ICA-AP.
The Conference elected Datuk Nik Ali Bin Mat Yunus, Executive Chairman, Malaysian Cooperative Societies Commission as its chairperson after adoption of the Conference Rules and
Procedures. The sessions were divided into the following : 1) Statutory Proceedings 2)
Statements by International Agencies 3) Statement by the Registrars and Government
representatives 4) Statement by Co-operative leaders 5) Panel Discussions and 6) Adoption of
the Conference Resolution. The conference constituted of a drafting committee comprising
of five members to undertake the task of formulating the resolution on the basis of the
conference deliberations. Dr. Chan Ho Choi, Regional Director, ICA AP moved the Resolution
on behalf of the Conference Secretariat during the session for its adoption on December 11,
2013.
The Concept paper and the Conference Programme are also placed that indicate the sessions
and the panel discussions held. The subsequent sections summarise the proceedings in the
same order as in the conference programme.
RESOLUTION & REPORT
9
Session-wise summary record of the proceedings
I.
Findings of the ICA AP Study on By Laws of Primary Co-operative Societies
Mr. Rangan Dutta, Principal consultant, ICA – Asia and Pacific, New Delhi presented the summary
findings of the study on Bye laws of Primary co-operatives which was taken up in pursuance of
the decision of the 10th ICA Regional Assembly for the Asia Pacific in its meeting in Kobe on 29
November 2012.
The highlights of the presentation are as follows:
1.
Essentially an in house and status report on the process of making bye laws and therefore
not an evaluation according to a set criteria and no value judgement therefore is intended
or attempted.
2.
By-Laws constitute the bedrock of primary co-operative societies and should in principle
be a participatory effort which is not reflected in practice as it is essentially a directed
activity. In most country laws and/or Rules, ‘model’ bye laws are laid down for adoption
or contents of bye laws are so detailed as to make it virtual by-laws ready for adoption
by members. In either case the result is the same. Even in new co-operative laws which
adopted internationally accepted principles, the provisions relating to making of bye
laws do not seem to have changed towards participatory law making. The power of
making Rules under the basic coop law seems to have been overused in most countries
resulting in erosion of cooperative autonomy and be either scrapped or reduced and
the law made comprehensive so as to allow greater autonomy to the cooperatives.
3.
It appears to be a capacity deficit problem as at the level of primary co-operatives, in
most situations, expertise necessary to draft bye laws is not there. Hence, model bye
laws become useful in forming the society and getting it registered quickly. To remove
this constraint a statutory hand holding role for the concerned Apex coop Fed in training
and assisting the founder’s group or Protem committee to frame byelaws is necessary.
4.
To ensure that co-operatives are financially sustainable and function as member owned
and managed institutions providing service to the members to improve their economic
well being, following provisions were recommended for inclusion in the by-laws.
a.
10
A stricter definition of an ‘active member’ quantifying the minimum service that
members must avail from the co-operative and this should be the basis of the
‘patronage refund’ guaranteed to such members. This may also ensure that persons
other than those who have ‘real stake’ in the co-operative are not allowed to
influence its functioning.
RESOLUTION & REPORT
b.
Setting up of a monitoring committee to carry on concurrent evaluation of
performance and conduct of social audit in addition to the financial audit.
c.
Reservation of seats for women and youth members in all the committees in the
bye laws.
d.
Financial sustainability is the outcome of efficient management of economic
activities. Hence, a feasibility study at the formation stage by the ‘Founders’ Group’
or ‘the protem committee’ to assess the business potential and profitability with
the assistance of the apex federation is therefore essential and avoidance of risky
or speculative and activities which are outside the charter so that the co-operatives
function as social enterprises building social capital and economic base for the
members’ well being must be included in the By Laws.
II.
a.
Mr. Maurizio Bussi, Director, Decent Work Technical Support Team for East, Southeast
Asia and the Pacific of the International Labour Organisation.
Mr. M. Bussi reaffirmed ILO’s strong commitment to promote the co-operative model as a
vehicle for decent lives, decent work and sustainable development and refer to the ongoing
partnership of ILO with ICA based on implementing a common co-operative agenda drawn up
near a decade ago. He also mentioned about the role of new types of emerging co-operatives
such as social co-operatives, workers’ co-operatives in the informal sector which show that
the co-operative model could be ‘a credible and sustainable alternative’ to what he called the
‘main stream’ economic system advancing the development goals of poverty alleviation, food
security and employment generation. He highlighted two aspects of co-operatives deserving
attention now, namely 1) Improving statistics in co-operatives to make engagement with policy
makers effective and 2) Acting on the ILO Recommendation No. 193 to restructure co-operative
laws and policy. He urged the co-operative researchers and institutions present in the
conference to identify indicators of co-operative advantage to establish that the co-operatives
represent a more equitable, efficient and sustainable alternative way of doing business which
puts human and social interest rather than profit at the forefront and are to be seen as schools
of democracy being a vital channel to strengthen social dialogue.
b.
Mr. Ranjith Hettiarachchi, Chief Executive Officer, Association of Asian Confederation of
Credit Unions (ACCU)
Mr. Ranjith Hettiarachchi made a presentation on the topic ‘enabling legal framework for
development of co-operatives – experience of credit co-operatives in Asia’ and began by
summarising the network of ACCU in Asia with 22712 credit unions representing 44.4 Million
RESOLUTION & REPORT
11
members and the outcomes of six conferences organised by ACCU during 2003 and September
2012 which led to creation of ACCRA or the Asian Credit Union/Co-operative Regulators’
Alliance with five founding members from Indonesia, Malaysia, Nepal, Philippines and Sri Lanka.
The main emphasis of ACCU has been on promotion and implementation of ‘Prudent Operation
Standards for the credit unions’ for safe management and protecting the image of cooperatives. He gave an overview of the regulatory framework of credit unions in different
regions and pointed out the efficiency gap between the highly regulated credit unions – mostly
in advanced countries and the insufficient regulation of credit unions in most Asian countries.
He argued that credit unions would require a separate law as the general co-operative law
cannot cover its complex functions which caused loss of image for the credit unions. To improve
its functioning Mr. Ranjith recommended creation of a stabilisation fund and credit union risk
based supervision by the Regulator and aligning capital requirement to underline risk which
he felt must be minimised by adopting prudential standards. He suggested the introduction of
a reporting methodology in compliance with the legislation and a system of risk management
based on analysis of systemic risks to the credit union system, introduction of efficient
Management information system, risk focussed internal audit and risk based supervision service
to enable the credit unions to optimise efficiency and member satisfaction.
c.
Hyungsik Eum , CICOPA – Sectoral Organisation of the International Co-operative Alliance
for Industrial, Artisanal & Service Producers’ Co-operatives.
Mr. Hyungsik Eum made a presentation on workers’ co-operatives, social co-operatives and
artisans’ co-operatives emphasising the basic features of workers’ co-operatives such as creating
and maintaining sustainable jobs and generating wealth and assisting members in raising their
skills and capabilities. He referred to the successful work of workers’ co-operatives in Spain
engaged in manufacture, construction and services which contribute 3.2 % of the provincial
GDP and 3.5 % employment and their multi stake holder membership structure and specific
activities for integration of disadvantaged people. The work of artisans’ co-operatives taking
up running of taxi services, bakeries and crafts based enterprises has been successful. As regards
the legal framework of social and artisans’ co-operatives, Mr. Eum argued that rather than a
general co-operative law it would be better if specific provisions are provided in the law for
social co-operatives to promote their growth and better functioning. He informed that CICOPA
is a sectoral organisation of the ICA and represents social, workers’ and artisans’ co-operatives
with 46 members in 32 countries and essentially functions as an advocacy group to promote
exchange of information and research and promotion of co-operative model.
III.
Statement by Registrars of Co-operative Societies [Sessions 1 & 2]
a.
Mr. Kedar Newpane, Regsitrar, Department of Co-operatives, Government of Nepal
presented an overview of development of co-operatives in Nepal emphasising the multiple
12
RESOLUTION & REPORT
role of co-operatives and the historical background of co-operative development from 1954
till date and that the establishment of the ministry of co-operatives and poverty alleviation in
2012 has given a thrust to expansion of co-operatives in wide ranging activities in rural economy,
trade and business promotion towards building of socio-economic capital. He informed that
the co-operatives provide direct employment to sixty thousand people and seven hundred
thousand indirectly and command a total membership of 4352000 with women comprising
about 40 % and in the co-operative boards of Directors, the women constitute roughly onethird of total members which shows the latter’s active participation. In the interim constitution,
2006, co-operative sector has been recognised as one of the three pillars of the economy
along with public and private and the national co-operative policy 2012 contains measures for
expansion and consolidation of co-operatives. The co-operative Act, 1992, National Cooperative Development Board, co-operative training capability established within the
department and the federal structure of the co-operative movement with a National Cooperative Federation as the Apex body constitute legal and functional framework. While
emphasising the easy registration process for co-operatives Mr. Newpane mentioned that the
co-operatives are not as yet ‘fully member based’ and suffer from smallness of size and
therefore prone to become unviable and hence the need for amalgamation and lack of
entrepreneurial skill and inefficient marketing mechanisms. He did not make any particular
reference to the bye laws while discussing future steps for co-operative reforms though he
argued for a strong monitoring and evaluation system introduction of co-operative insurance
and separate laws for co-operative banks and credit unions and a co-operative education and
promotion fund which could a part of the comprehensive bye laws.
b.
Dr. Emmanuel M. Santiaguel, Chairperson, Co-operative Development Authority (CDA),
Philippines made a presentation on the legal environment for co-operatives in Philippines and
observed that section 6 of Article 12 of 1987 constitution lays down that the use of property
bears a social function and all economic agents shall continue to pursue this common goal
and further, co-operatives being one such economic agents comes under the co-operative
code, 2008. CDA was designated in 1993 as the State agency for development and regulation
of co-operatives and since 2004 the CDA was placed under the finance department. Explaining
the organisation and management system of co-operatives, Dr. Santiaguel mentioned that
the participation of members is embedded in the powers exercisable by the general assembly
and creation of committees to deal with audit, election, mediation, conciliation and ethics of
which audit and related committees are elected by the general assembly. The amendments to
the bye laws or the articles of co-operation can only be taken up by the general assembly.
Philippines has twenty types of co-operatives functioning under specific laws included in the
co-operative code, 2008. Articles 14 -15 of RA 9520 lay down the contents of Articles of cooperation and bye laws. Thus bye laws must have at least 15 core provisions and read with the
RESOLUTION & REPORT
13
8 Articles of co-operation, form the legal framework of a primary society. Dr. Santiaguel outlined
the concept of co-operative identity as autonomous, self help and member controlled
organisation and to protect this, how co-operative capital is formed, he felt, is most critical.
Therefore Article 4 (4) of RA 9520 made it obligatory for co-operatives to raise capital from
‘other sources’ only if they do not undermine the democratic control of members. This restricts
borrowing and investment to only sources approved and incentivises merger and consolidation
of co-operatives to achieve financial sustainability. He informed the process of consolidation
of six co-operative banks and co-operative insurance societies is continuing to strengthen the
base of the co-operatives and assist micro co-operatives constituting about 76.44 % of the
total co-operatives in Philippines.
c.
Mr. W. Karunarathane, Commissioner of Co-operative Development and Registrar of
Co-operative Societies, Government of Sri Lanka, began with a historical background of cooperatives in Sri Lanka and informed that presently there were 11,333 primary co-operatives
in Sri Lanka functioning prominently in dairy, fisheries, textiles, marketing, small industries,
tea and coconut plantations and of which there were 1703 rural banks and 26 Youth cooperatives and 8 co-operative hospitals. He referred to the present law (Co-operative Societies
Law No. 5) enacted in 1972 and the provincial council system which brings the co-operatives
under the jurisdiction of the provincial government following its 13th Amendment that made
co-operatives a provincial subject. He felt that the bye laws should be practical and designed
to achieve good governance of co-operatives and there is need to ensure that other laws and
regulations supporting co-operatives are ‘sound tuned’ with the object of empowering the
co-operatives in all sectors mentioned above. He concluded by suggesting that co-operatives
should spread to broaden and ‘socialise’ by taking up large scale programmes to raise capacity
of co-operatives and lay down standards of performance and in these efforts he felt, ICA Asia
and Pacific has an important role.
d.
Datuk Nik Ali Bin Mat Yunus opened his statement with focus on the domestic economy
of Malaysia and the need to strengthen it. In achieving the said objectives, he highlighted the
significant role of co-operatives and the need for the co-operative sector to continue to be
relevant in the present day of market competition. He cited the origins of the co-operative
movement in Malaysia and the credit indebtedness and deficit spending at the time as the
reasons for the same. He informed that the Malaysia Co-operative Societies Commission (MCSC)
was established on 1 January 2008 with the objective to foster a sound and orderly
development of co-operatives and further to maintain confidence in the co-operative
movement in Malaysia. He highlighted the role of the Malaysian Government in supporting
the co-operative sector through instruments such as the National Co-operative Policy (20112020) that provides five distinct strategic thrusts to the co-operative sector namely,
participation in high value economic sectors, strengthening capacity, Human capital
14
RESOLUTION & REPORT
development, improving public confidence and effective supervision and enforcement. He
also added that cooperatives n Malaysia continue to participate in transformation programmes
incepted to modernise small retail outlets. Furthermore, Datuk Nik Ali Bin Mat Yunus gavce
examples of Koperasi Permodalan Felda Berhad that offers supply chain management with
reduced costs in order to help the rural enterprises and is in line with the Government policy.
The initiatives of the Malaysian Government, he added, are expected to generate a turnover
of USD 10.3 Billion through co-operatives and this he said will support Malaysia’s transition to
become a high income economy by 2020. He further informed that there are 10,578 registered
co-operatives in Malaysia with a total membership of 7.6 Million persons and a total recorded
asset of USD 33.4 Billion. He laid focus on the need to include women, especially single mothers
and youth in diversified co-operative businesses such as health centres, school and university
co-operatives, tailoring etc. He concluded by affirming the commitment of the MCSC and the
Government to ensure a sound regulatory framework for co-operative development and that
Regulatory Impact Analysis (RIA) is an essential feature to achieve the same.
e.
On behalf of the Deputy Minister for Institutional Development of co-operatives and
SMEs, Government of Indonesia, Mr. Salekan presented the views of Mr. Setyo Haryant,
Honourable Deputy Minister in charge of co-operatives on the Conference theme and began
with a status report on the co-operative sector and referred to the Law no. 70/20/12 which
defined the basic values, principles of co-operatives in Indonesia and the norms for forming a
primary co-operative society. Concern for environment and the community is a guiding principle
of co-operatives and the role of the Government includes providing technical assistance to
promote co-operative business and in education, training and research to develop capacities
of co-operatives which come under the ministry of co-operatives and small and medium
enterprises. The Indonesian Co-operative Council has multiple functions covering supervision,
monitoring and evaluation and coordination with other departments to help towards growth
of co-operatives. In Indonesia co-operatives run a number of small and medium enterprises
and hence matters like market access technology transfer and exchange of information are
given much importance to position the co-operatives as an important sector of social economy
– a kind of balancing role between different sectors of the economy and working for the
welfare of the community.
f.
Mr. Dorji Dhradhul, Director and Registrar of Co-operatives of Bhutan, Department of
Agricultural Marketing and co-operatives, Ministry of Agriculture and Forest, Government of
Bhutan made a presentation on co-operatives in Bhutan and began with a brief account of the
economy of Bhutan in the development context and the four pillars of co-operative
development in Bhutan summed up as support to formation of farmers’ groups and cooperatives, capacity building and support to building up of good linkage to financial service
providers and to form co-operative federations. He referred to the provisions of the Co1ST ASIA-PACIFIC CO-OPERATIVE REGISTRARS’ CONFERENCE,
RESOLUTION & REPORT
15
operative (Amendment) Act of Bhutan, 2009 which defined co-operatives as an ‘association
of persons voluntarily to meet their common economic needs through a jointly owned and
governed enterprise’. This as well as the state policy on co-operatives recognising it as an
important pillar of private sector and the principles of governance of co-operatives are in
tune with the ICA Statement on Co-operative Identity. He also mentioned about the task force
constituted by the government for co-operatives and farmer groups which are legal entities
though the latter is a smaller entity which could be considered as a pre co-operative; the
management structure, types of co-operatives and requirements to register which include
bye laws and the principles of governance with emphasis on bye laws as the mechanism of
internal management including financial management. A special feature of co-operatives in
Bhutan is that the co-operatives are allowed to invest in shares, debentures etc. of a company
listed in the stock exchange unlike co-operatives in some other countries in South Asia. Also,
a business plan showing the economic feasibility of the co-operative is a requirement for
registration for ensuring financial viability of the business likely to be taken up by the cooperative. The process of making bye laws in Bhutan therefore addresses the issues like
members participation, economic survey to assess the profitability and the governance issues.
g.
Mr. Low Puk Yeong, Senior Director, Registry of Co-operative societies, Ministry of Culture,
Community Development and Youth, Singapore, made a statement on the current status,
functioning and priorities fixed by the co-operatives and the regulators with the objective of
improving their functioning. He informed that the co-operative societies Act, 2008 had been
updated and the practice of ‘micro managing’ the co-operatives by the Registrars has been
done away with and the aforesaid law provides now more flexibility and autonomy to the cooperatives. A risk focussed regulatory approach has been adopted especially to oversee the
work of credit co-operatives by the Registrars for ensuring that such co-operatives follow
strictly prudential requirements such as minimum liquid assets, investment restrictions and
capital adequacy ratio. On the basis of periodic review the Registry helps the co-operative
sector to take advantage of the business climate and the policies of the central bank. He
emphasised that active membership is a good check and balance on co-operatives’
management and operations and the need to connect the members with each other by
common interest and hence a stronger sense of ownership. To achieve this, the code of
governance was issued in 2006 formulated by a co-operative review team in which the cooperative apex body namely, Singapore National Co-operative Federation (SNCF) played an
important role. The Code was tiered according to the nature and size of the co-operatives and
addresses the issues like accountability, board matters, audit and capital etc. He informed the
positive role of the SNCF as a friend and guide of co-operatives providing even funds to
strengthen co-operatives’ businesses and also to comply with the code. This is an important
development and is in tune with the suggestion in ICA study on Bye laws, that the role of the
16
RESOLUTION & REPORT
Apex co-operative organisation in making of the bye laws and other vital matters deserves to
be institutionalised.
IV.
Statement by Representatives from ICA Members in Asia and Pacific region
[Sessions 3, 4 & 5].
a.
Mr. Jose Romeo B. Ebron, Chairperson, National Confederation of Co-operatives,
Philippines made a presentation on strengthening primary co-operatives with business/sector
specific bye laws and began with a quick review of the co-operative sector in Philippines
informing that there are 20,792 co-operatives in Philippines of which 15,694 , 3360 , 1401 and
337 fall in the categories of Micro co-operatives with assets of 3 or less Million Pesos, small
co-operatives (3-15 Million Pesos), medium co-operatives(15-100 Million Pesos) and large cooperatives(over 100 Million Pesos). The share of assets by different classes of co-operatives
however shows that the large co-operatives possess 61% of the assets which the Micro cooperatives have only 4% and the small and medium co-operatives hold 11% and 24% of assets
respectively. A skewed distribution of assets is therefore evident. He referred to Article 10 (2)
of the Co-operative Code of Philippines, 2008 which requires a single purpose co-operative
society to be eligible for transformation into a multipurpose society only after 2 years of
successful operation as the capital requirement of the latter is much higher. He argued for:
(i)
A separate regulatory framework for co-operatives engaged in specialised activities and
inclusion of finance related business like long time investment and stock trading.
(ii)
By-Laws should have provisions to promote (a) innovations (b) creation of Stabilization
fund and (c) Gender and Youth representation, and taking into account the reoccurrence
of natural calamities in Philippines, funds for disaster mitigation and preparedness.
b.
Mr. Vitoon Naewpanit, Chairman, Co-operative League of Thailand in his presentation
drew the attention of the conference to a near century old tradition in Thailand in building
modern co-operatives and that at present, there are about 8000 co-operatives societies with
a large membership base. The establishment of the Co-operative league of Thailand under
the Co-operative Act, 1969 is a major initiative though CLT has a limited role in promotion and
development of co-operatives. He felt that CLT should have the right to initiate and approve
co-operative bye laws and the Government should adopt a ‘bottom-up’ policy that gives more
autonomy to the co-operatives and thereby enable them to frame bye laws appropriate to
their conditions. He hoped that the ‘national agenda on co-operatives-2013’ would bring about
a new life to co-operatives in Thailand.
c.
Mr. Takuo Ichiya, Manager, International Cooperation Division, JA Zenchu, Japan began
with a statement of the activities of the JA and emphasised the existence of sector specific cooperative laws in Japan. As regards agriculture co-operatives, the Agriculture Co-operative
RESOLUTION & REPORT
17
law lays strong emphasis on autonomy of farmers for ensuring their control even when nonfarm stake holders are admitted as the law allows only individual or small scale farmers for
admission as regular members who only enjoy voting rights. This plus the provision that 2/3rd
of members must be ‘regular members’ ensures farmers’ control of the co-operative. Touching
upon the relation between co-operative law and by-laws, he viewed by-laws as the ‘constitution’
of a co-operative and therefore must contain a precise statement of the business area, each
business activity, qualifications for membership, capital contribution and restriction on
dividends. The by-laws prepared by the society are required to be approved by the Registrar/
concerned authorities. Further, the central union provides for a unique structure of autonomy
for co-operatives as the supervisory and advocacy roles are in the charter of the central union.
After the Government brought about major changes in guiding and regulating the co-operatives
by moving on to a policy to assist and guide the co-operatives ‘afterwards’ meaning a handholding role after a co-operative stands on its own. As regards bye laws, central union has
been assigned the task of preparing model bye laws for primary co-operatives and federations
which had created a participatory system enabling a primary society to formulate its own
‘need based’ by-laws. This is an important step that meets the ICIS (ICA Statement on Cooperative Identity – Manchester, 1995).
d.
Mr. Hoang Van Long, Director of Information and Communication Department, Vietnam
Co-operative Alliance (VCA) began with a statement on co-operative development in Vietnam
from 2005 – 2012 and the role and functions of VCA highlighting the present status of cooperatives and diversified nature of their functions being taken up by a total of 19,717 cooperatives as in December 2012 in areas such as agriculture and fisheries, construction,
transportation, handicrafts and small industries, environment, health care, etc. An important
feature of co-operatives in Vietnam is the large number of electricity, water service and credit
co-operatives while the agriculture and fisheries co-operatives – the core of the system covers
9900 societies. The other features are the state policy to give preference to the co-operatives
in regard to access to capital and technology and its role in facilitating targeted programmes
aiming at socio-economic development. To facilitate this, the law on co-operatives (2012)
underscores the collective nature of co-operatives, the role of the co-operative unions and
recognition of property rights and income as legitimate interests of members forming cooperatives. He clarified that the charter or the bye laws of the co-operative is the outcome of
a participatory process though its contents are laid down in the law for the adoption by cooperatives and co-operative unions. The contents therefore are in the nature of comprehensive
guidelines embedded in the process of registration of a co-operative.
e.
The main thrust of the presentation by Mr. Agung Sujatmoko, Vice President of DEKOPIN
was on the role of his organisation (Indonesian Co-operative Council) established under the
co-operative Act -17, 2012 in supervision and advocacy role by providing co-operative business
18
RESOLUTION & REPORT
consultancy and acting as a lobby organisation for the co-operative sector. He informed that
there are four types of co-operatives in Indonesia namely, consumers, producers, services
and savings and credit societies. He added that the articles of association for each type of cooperative indicates the business/activities taken up by the co-operatives and that under the
aforesaid Act, there are measures to strengthen the co-operative business including a body
for deposit insurance in respect of members’ deposits, competency criteria for membership
of board of directors and a supervisory body for credit co-operatives. In short the objective is
to enable the co-operatives to compete with other businesses.
f.
Dato Haji Aliasak Ambia, Vice President, ANGKASA, defined financial sustainability in
terms of income diversification, self reliance and absence of large liabilities and refer to
members’ fund divided into shares and savings and the provisions under the co-operative Act,
1993 for resource mobilisation by external borrowing and the requirement to contribute 2%
to the co-operative education fund and 1% to co-operative development fund by co-operatives
making profits of more than RM 50,000 annually and such co-operatives are to contribute
15% to the statutory reserve fund. Restrictions on payment of dividend only up to 10% and
allocation of not more than 5% on the profit for Corporate Social Responsibility are special
features of the Malaysian Co-operatives.
g.
Mr. Kyaw Mya Khine, Vice Chairperson, Central Co-operative Society (CCS) of Myanmar
presented a status report on co-operative sector of Myanmar and stressed the fact that though
co-operatives are by now a century old, the laws are somewhat dated and therefore many
proposals for amendments are now being considered to enable co-operative sector to emerge
as a third pillar of the economy. He informed that there are in all 19,308 co-operative societies
including primaries, federations and unions functioning, though due to various constraints,
they do not enjoy autonomy in their functioning. Since 2011, CCS has been lobbying for reforms
to restore autonomy and introduce effective audit freed from government interference and
for this purpose an audit fund run by the co-operatives is preferred. The co-operatives also
suffer from lack of access to credit as the co-operative banks are not strong enough for this
purpose. He concluded by informing that co-operatives in Myanmar are at crossroads and
reforms are needed to put it back to the right growth track, and to this end, CCS is co-operating
with Asian Confederation of Credit Unions and other international organisations to create a
public and political will favouring reforms.
h.
In his presentation, Dr. Dinesh, Chief Executive, National Co-operative Union of India
began with a statement on the co-operative movement in India and its vast role and
achievements in production of sugar, milk and milk based products, oil seeds, distribution of
fertilizers, agricultural credit, inputs and marketing of agricultural produce which have placed
co-operatives in a position of importance in Indian economy with a total membership of 263.6
RESOLUTION & REPORT
19
Million – the largest in the world. He reviewed the co-operative legislations in India, a federal
entity in which co-operatives is a ‘state (province) - subject’ though the Centre, through its
ministry and the Multistate Co-operative Societies Act has a promotional role. He also drew
the attention of the conference to the existence of several co-operative laws in the states and
the phenomena of a new law providing greater autonomy to the societies and the old Act
having restrictive features co-existing at the same. The Government hopes that over the years
the new law will succeed in attracting more co-operatives in its ambit. He added that with a
view to creating an enabling environment and to expand and deepen the co-operative
movement, the Government had amended the constitution to include the Right to form cooperatives in the list of ‘Fundamental Rights’ guaranteed to its citizens and have been providing
budgetary support for contribution to the share capital of co-operatives and promotion of cooperative training and education.
i.
Ms. Lee Heehan, Vice Chairperson of iCoop-Korea gave an account of the growth of
iCOOP Korea – a women led co-operative movement which began in 1997 with just 6 member
co-operatives with 663 members and in 2013, it covers 77 member co-operatives with a
membership base of 190,000 – roughly 1% of the total number of households in Republic of
Korea. The co-operatives in Korea are registered under the Framework Act on Co-operatives,
2012 and during December 2012 and November 2013, 3057 new co-operatives have been
formed in which 17.6 % of members are men and 44.3% are self employed. She pointed out
that 19.2% of members are in their 20s and 30s and therefore could be treated as ‘youth
members’ holding a fair representation of the youth in co-operatives. A special feature of cooperatives in Korea is the Government’s support to unemployed married women to establish
co-operatives and to help such co-operatives in acquiring technological schemes with the
support of the Ministry of Science and Technology. She outlined the training and education
programme of iCOOP Korea designed to meet shortage in management skills in co-operatives
and that during 2012 as many as 8000 education programmes were organised in which 76000
participated. In this effort, the role of iCOOP CDC providing education, training, consulting,
mentoring and networking will be further strengthened with implementation of proposals to
institutionalise Government-Co-operative partnership with emphasis on attracting Youth and
Women to co-operatives and skill upgradation through periodic training.
j.
Mr. Chan Tee Seng, Chairman of the Singapore National Co-operative Federation, made
a presentation on enabling co-operative regulations to encourage active participation of youth
in co-operative business. He elaborated the scheme of setting up school co-operatives in
Singapore essentially to help the youth to imbibe the co-operative spirit of self and mutual
help and operate system of co-operatives to develop habits of thrift, self reliance and joint
management. The idea of youth as a target group for co-operative-formation is novel and
worthy of emulation in other countries, particularly the setting up of co-operative clubs in
20
RESOLUTION & REPORT
secondary schools and junior colleges to spread the concept of social responsibility and
entrepreneurship among the youth. As regards regulations, Mr. Chan Tee Seng argued that we
should avoid a ‘one size fits all’ policy and be sensitive to the composition and capacity of the
youth.
k.
The presentation of Mr. Saroj K. Sharma, Co-Chairperson, National Co-operative
Development Board, Nepal on enabling co-operative Regulation to encourage active
participation of women and youth in co-operative businesses covered a historical background
of growth of co-operatives in Nepal from 1956 to 2007. During this period the co-operatives
emerged as one of the three pillars of the economy, the other two being the Government and
the Private sector, and recognised as such in the interim constitution of Nepal 2007. The cooperative Act, 1992 provides legislative cover to the co-operatives backed up by the National
co-operative policy, 2012 which seeks to give a new direction to co-operative development.
He informed that at present there are 29,500 primary co-operatives of which about 25% of
co-operatives were established by women and women’s participation in the co-operative
movement is estimated at 42%. The Government has formulated a National co-operative policy
in the current year (2013) which emphasises youth entrepreneurship, participation of women
and economic activities of wide ranging nature by the co-operatives to achieve alleviation of
poverty. The role of National Co-operative Development Board established in 1992 as a ‘think
tank’ as well as a an authority responsible for supporting co-operative development was
underscored by Mr. Sharma as the board with its composition of the ministries, the central
bank and apex co-operative organisations is in a position to formulate policies and plans for
co-operatives. Further, a long term co-operative perspective plan for 20 years has been under
preparation while the Government is reviewing the existing co-operative laws for making the
laws more responsive to the needs of co-operative development. He also mentioned the
challenges before the co-operatives which include essentially a member driven initiative to
make the businesses viable by taking advantage of the market and the prices and incentives
provided by the Government in a developing market based economy.
V.
Panel Discussion
There was a panel discussion on the theme: ‘Guidelines for Formulating By-laws of Primary
Co-operatives’ in which panellists from China, Malaysia, Philippines, ACCU and ICA Asia Pacific
shared their perceptions as summarised hereunder.
a.
Mr. Ranjith Hettiarachchi, Chief Executive Officer, ACCU made a focussed presentation
on by laws and regulations governing the credit unions by emphasising that the regulations
should be designed to promote and implement what he called ‘prudent operational standards
for credit unions’. Explaining the credit union regulatory framework, he argued that the credit
union laws and policies need to be harmonised with the basic co-operative philosophy with
RESOLUTION & REPORT
21
emphasis on self control, joint responsibility and accountability. He went on to suggest 20
sections covering matters which should find place in a set of model by laws for co-operative
unions taking into account their special responsibilities in regard to financial discipline,
investment, management of liquidity and profitability so that the unions could ensure that
the members enjoy economic security.
b.
Mr. Ge Shuyuan of the All China Federation of Supply & Marketing Co-operatives
(ACFSMC) and presently working at the ICA MBO, gave an account of the functioning of
specialised farmers’ co-operatives in China under the Specialised Farmers’ Co-operative Law,
2006 – a landmark legislation designed to promote growth of co-operatives which has nine
chapters and fifty six clauses, and are in harmony with the co-operative principles. He informed
that up to 2012 there were 689,000 farmers’ professional co-operatives with a capital base of
about USD 180 Billion. The specialised co-operatives have the objective of mechanisation of
agricultural operations, improvement of quality of farm products, systems for processing,
grading and marketing of produce by creating a co-operative brand for products of specialised
farmers’ co-operatives. Consequently the co-operatives have been able to not only increase
substantially farmers’ incomes and living standards by modernising agriculture and farm
business, but succeeded in stabilising the agricultural support policy of the government and
position farm co-operatives in the centre of the strategy to alleviate rural poverty.
c.
Mr. Emmanuel M. Santiaguel of the CDA, Philippines, informed that under the Philippines
Co-operative Code, 2008, there are exhaustive provisions governing functioning of twenty
types of co-operative societies and includes the process of making by laws. The primary cooperatives in Philippines enjoy a good deal of autonomy in the making of by laws and the
process could be more participatory in other countries also if the concerned apex bodies are
assigned a ‘hand holding’ role especially to the new and small co-operatives under leaderships
not having previous experience of management of co-operatives.
When the house was thrown open for discussion, there was a consensus that the present
process of by law making in most countries is ‘top-down’ which should gradually change towards
a participatory one and in this, the role of the apex bodies deserves to be institutionalised
either by way of making a provision in the co-operative law or in the by laws and could be a
part of the co-operative policies which are under preparation in a number of countries. This
would be in line with the stated policy of making co-operatives one of the three pillars of
national economy and might throw open co-operatives to many areas of socio-economic
activity. The consensus in the panel discussion formed the basis of the Resolution adopted in
the Conference.
22
RESOLUTION & REPORT
VI.
Recommendations and Adoption of the Conference Resolution
A drafting committee was constituted in the inaugural session of the conference consisting of
Dr. Emmanuel S. Santiaguel, Mr. Jose B. Ebron, Dato’ Hj Ambia representing Datuk Hj Nik Ali
Bin Mat Yunus, Mr. Ranjith Hettiarachchi, Mr. Kedar Newpane and Dr. Chan Ho Choi. There
was no chairperson appointed for the Committee.
The drafting committee was assisted by Mr. Rangan Dutta, Principal Consultant, ICA-AP and
Mrs. Savitri Singh, Advisor, Gender Programmes, ICA-AP. The committee met twice and
considered the draft resolution circulated by ICA Asia and Pacific. The amendments suggested
by the members were incorporated in the draft which was placed before the concluding session
when some participants made further suggestions which were also duly incorporated. After a
detailed discussion, the resolution was adopted as placed in the next section. The resolution
passed by voice vote was signed by the Datuk Hj Nik Ali Bin Mat Yunus, Conference Chairperson
and Dr. Chan Ho Choi, Regional Director, ICA Asia and Pacific.
RESOLUTION & REPORT
23
1st ASIA PACIFIC CO-OPERATIVE REGISTRARS’ CONFERENCE
December 10-11, 2013 – Kuala Lumpur, Malaysia
Theme:
Sound Tuning of Co-operative Law, Policy & Regulation
and Primary Co-operative By-Laws
CONFERENCE RESOLUTION
Adopted on December 11, 2013
Whereas, the ICA-Asia and Pacific has been urging its members and national Governments
through various forums such as the Co-operative Ministers’ Conference especially, the
Joint Declaration of the 9th Asia Pacific Co-operative Ministers’ Conference, Bangkok 2012, that called upon countries to initiate changes in co-operative laws and policies to
achieve the objective in creating the legal and policy environment that is conducive to the
development of co-operatives in accordance with the principles embodied in the ICA
Statement on Co-operative Identity (Manchester - 1995) and that,
in pursuance of the aforesaid Declaration, the Regional Assembly of the ICA-Asia and Pacific,
Kobe - 2012 decided to convene a Conference of Registrars of co-operative societies of the
region in Malaysia in 2013 to deliberate on the making of by-laws by primary co-operative
societies - viewed as a ‘strategic issue’ with the objective of making the process transparent
and participatory with active participation of women and youth, and attaining financial
sustainability while exploring new areas of co-operative businesses and that,
we, the participants from sixteen countries deliberated on the legal, policy and management
issues, taking note of the positions obtained from the region, and while reaffirming the
autonomous and voluntary character of co-operatives and the co-operative principle of
‘concern for the community’, hereby resolve,
1. that ICA-Asia and Pacific members and representatives of Governments will work
earnestly in close co-ordination to review the existing provisions in co-operative laws
of their respective countries relating to the formulation of by-laws and make the process
truly participatory;
2. to increase the participation of women and youth in the overall functioning of cooperatives to ensure inclusive participation and social cohesion;
24
RESOLUTION & REPORT
3. to incorporate systems and procedures in by-laws to ensure financial sustainability of
co-operatives by introducing prudential norms of management designed to help the
members to avoid risky ventures and to improve and diversify their businesses while
achieving their social, cultural and economic well being in a manner consistent with
the co-operative principles;
4. to recommend a facilitative role for the concerned co-operative apex organisation in
providing expert advice in the preparation of by-laws and institutionalise such roles of
the co-operative apex organisation by proposing suitable legal measures and further
recommend a mechanism of organising national conferences to deliberate on legal,
policy and management issues concerning the co-operatives in their respective
countries to enable co-operatives to evolve towards a higher and sustainable growth
path;
5. to encourage the formation of a parliamentarian network to support the efforts of the
Registrars/Regulators in establishing a responsive legal and policy framework;
6. to consider the indicative by-laws presented in the Conference, an adaptive approach
of making of by-laws which allows a responsive mechanism to meet local needs and
situations to be adopted rather than the prevalent practice of ‘adopting’ model bylaws, to appropriately provide a practical, legal and functional framework for primary
co-operatives;
7. to invite the ICA-Asia and Pacific to follow up the matter of reforming the process of
making by-laws with members and respective regulatory authorities and report the
progress achieved to the Regional Assembly from time to time; and
8. to consider the establishment of the Asia-Pacific Co-operative Registrars’/Registrars’
Association and its secretariat.
Adopted by the Conference under the Chairmanship of Datuk Nik Ali Bin Mat Yunus,
Executive Chairman, Malaysia Co-operative Societies Commission.
______________________
Datuk Nik Ali Bin Mat Yunus
Chairperson
_____________________
Dr. Chan Ho Choi
Conference Secretariat
Signed on 11th December 2013 in Kuala Lumpur, Malaysia
RESOLUTION & REPORT
25
26
RESOLUTION & REPORT
1st Asia-Pacific Co-operative Registrars’ Conference
on 10-12 December, 2013 in Kuala Lumpur, Malaysia
Members of the Drafting Committee
1.
Mr. Jose Romeo B. Ebron, Chairperson - NATCCO, Philippines
2.
Dato’ Haji Abdul Fattah Haji Abdullah, President - ANGKASA, Malaysia
3.
Mr. Kedar Newpane, Registrar of Co-operative Societies , Nepal
4.
Mr. Zhang Wangshu, International Department - ACFSMC, China
5.
Mr. Ranjith Hettiarachchi, Asian Confederation of Credit Unions (ACCU)
6.
Dr. Chan Ho CHOI, Regional Director, ICA-AP
Secretariat
1.
Mr. Rangan Dutta, Principal Consultant, ICA-AP
2.
Mrs. Savitri Singh, Advisor, ICA-AP
RESOLUTION & REPORT
27
Registrars and Senior Government Directors in charge of Registration of Co-operatives in Asia Pacific. (l-r) Mr. Dorji
Dhradul (Bhutan), Mr. Md. Serudin Haji Tuah (Brunei), Mr. Salekan (Indonesia), Datuk Nik Ali Bin Mat Yunus (Malaysia), Mr. Kedar Newpane, (Nepal), Dr. Emmanuel M. Santiaguel (Philippines), Mr. Low Puk Yeong (Singapore), Mr.
Wijerathna Haluge Karunarathana (Sri Lanka)
Hon'ble Minister of Domestic Trade, Co-operatives and
Consumerism, Malaysia, H.E. Dato' Hasan Bin Malek, opening
the Conference as Dr. Chandrapal Singh Yadav, Vice President,
ICA Asia and Pacific looks on
The hot air balloon carrying the scroll advancing toward
the dias
28
Ceremonial Hot Air Balloon
The Chief Guest, H.E. Dato’ Hasan Bin Malek, Minister
of Domestic Trade, Co-operatives and Consumerism,
Government of Malaysia making his speech
RESOLUTION & REPORT
Registars of Co-operatives meeting on the Draft Conference Resolution in progress
Mr. Ranjith Hettiarachchi,
CEO, Association of Asian
Confederation (ACCU) of
Credit Unions during the
Panel Discussion
Mr. Takuolchiya, Manager, International Cooperative Division, JA
Zenchu, Japan raising a
query with the panelists
during the Plenary
session
Dr. Emmanuel Santiaguel,
Chairperson of the Co-operative Development Authority, Philippines
Dr. Dinesh, Chief Executive, National Co-operative Union
of India making suggestions to the draft Conference
Resolution
Mr. Hyungsik Eum, Data
Analyst, International
Organi-sation of Industrial, Artisnal and Service
Providers' Co-operatives
(CICOPA)
Mr. Low Puk Yeong,
Senior Director from the
Registry of Co-operative
Societies, Singapore
Mr. Dorji Dhradhul,
Director and Registrar of
the Department of Agricultural Marketing and
Co-operatives, Bhutan
Dr. Chan Ho Choi, Regional Director, ICA Asia and Pacific being
congratulated by Datuk Nik Ali Bin Mat Yunus, Executive
Chairperson of the MCSC on the successful completion of
the Conference
RESOLUTION & REPORT
29
International participants of the Asia Pacific Co-operative Registrars' Conference-2013
Conference choir singing the Malaysian National Anthem
Participants honouring the Malaysian National Anthem
Dr. Chandrapal Singh Yadav, Vice President - ICA Asia and
Pacific making his speech during the opening ceremony
of the Conference
Datuk Nik Ali bin Mat Yunus, Executive Chairman
Malaysia Co-operative Societies Commission welcoming
guests during the opening ceremony
30
RESOLUTION & REPORT
Dr. Chan Ho Choi, Regional Director, ICA Asia and Pacific
at the opening hour
Traditional Malaysian dancers at the Welcome Reception
of the Conference
Dato' Hj Aliasak B. Hj. Ambia, Vice President , ANGKASA
making his statement during the session for co-operative
leaders
Seen here is the bench with dignitaries from the Registry
authorities and International Agencies
Session on ‘Sound Tuning of By-Laws, Policy and Regulations for Primary Co-operatives’ in progress with Registrars
and senior officials
RESOLUTION & REPORT
31
Concept Paper
The 9th Asia Pacific Co-operative Ministers’ Conference was held in February-2012 coorganised by ICA-AP and Co-operative Promotion Department, Ministry of Agriculture and
Co-operatives, Government of Thailand. It was the International Year of Co-operatives (IYC2012) as declared by the United Nations.
The UN IYC-2012 emphasised upon three main goals:
•
Increase public awareness about co-operatives and their contributions to socio-economic
development and the achievement of the Millennium Development Goals.
•
Promote the formation and growth of co-operatives.
•
Encourage Governments to establish policies, laws and regulations conducive to the
formation, growth and stability of co-operatives.
The third objective particularly emphasised upon encouraging governments and regulatory
bodies to establish policies, law and regulation conducive to Co-operative formation and
growth.
To this end, the 9th Asia-Pacific Co-operative Ministers’ Conference made a 13 point Joint
Declaration and adopted the same for further action.
Point No.9 of the Joint Declaration: “Urge upon the Governments to formulate a new policy
and legal framework, on the basis of ICA Principles by initiating a comprehensive review of
Co-operative laws and policies, taking into account the recommendations made in the last
Asia Pacific Co-operative Ministers’ Conference and the suggestion to enact a common
Co-operative code defining ‘government–Co-operative relationship’ and addressing the
governance issues to enable the Co-operatives to move to a high growth path”.
The Asia-Pacific Co-operative Ministers’ Conference has been held once in four years starting
from Sydney since 1990, gathering all the Co-operative Ministers in the region. In order to
review and follow up on the progress of action taken on the Declaration and Recommendations
of the last Co-operative Ministers’ Conference and to prepare a ground for the next Cooperative Ministers’ Conference, the Co-operative-Government Dialogue has been organized
after 2 years in between the Co-operative Ministers’ Conferences. In the Dialogue, permanent
secretaries and other senior officials were invited to have an open discussion with the leaders/
32
RESOLUTION & REPORT
representatives of the Co-operative movement. But in practice, agenda and topics of such
open discussions have been diverse and often not much focused in their nature to draw up a
common approach beneficial in general for all countries.
Co-operative Registrars are the central and very important Government Authorities who are
actually responsible for formation, development and dissolution and amalgamation of Cooperative societies especially in the South Asia region. Therefore, conferencing among
Registrars of various countries will be the best instrument to carry out the mandates given by
the Co-operative Ministers’ Conference and to build better Co-operative system together with
the Co-operative apex organizations of their respective countries in the region.
The Asia-Pacific Co-operative Registrars’ Conference was mandated by the 10th ICA AsiaPacific Regional Assembly in Kobe, Japan on 29 November 2012, in order to address legal,
policy and regulatory issues impacting over all governance and support of Co-operatives in
the region. Given this historical context, the objectives of this regional Registrars’ Conference
shall be multifunctional;
•
To review and follow up on the progress of action taken on the Declaration and
Recommendations of the last Co-operative Ministers Conference
•
To address legal, policy and regulatory issues impacting overall governance and supportive
measures for Co-operatives in their respective countries
•
To share experiences of countries and best practices in respect of the concerned areas
of Co-operative development
The 1st Asia-Pacific Co-operative Registrars’ Conference will be held on 10-12 December
2013 in Kuala Lumpur co-hosted by the Malaysian Co-operative Societies Commission
(MCSC) and Malaysia National Co-operative Movement (ANGKASA).
The Conference proceedings will feature dialogue among registrars, Co-operatives, government
representatives, international agencies and technical experts and is going to draw upon the
rich experiences of the participants.
This is a unique attempt by the ICA-AP to highlight legal and policy issues for primary Cooperatives in the context of the ‘ICA-AP Strategic Objectives 2013-2016’ and the ‘ICA Blue
Print for a Co-operative Decade’, and to facilitate regional cooperation in this regard.
It is hoped that the outcome of the conference will serve as a road map for the ICA network
and the Governments providing inputs in formulation of the plan of action in achieving growth
and sustainability with the theme of ‘Sound-Tuning of Co-operative Law, Co-operative Policy/
RESOLUTION & REPORT
33
Regulations and Primary Co-operative By-laws’. The forum will explore advantage of the system
of Registrars/Regulators as support system for strengthening of the primary Co-operatives
through participation of members in formulation and adoption of need based by- laws.
Initiation and active participation in discussion and sharing views through a conference like
this is of immense value in building up better understanding about the issue and forming
strategy for improvement and change.
Conceptual Framework
The ‘ICA Blueprint For a Co-operative Decade’ which was adopted by the Extraordinary General
Assembly on 31st October Manchester is one of the significant outcomes of the International
Year of Co-operatives (IYC)-2012.
Declaring that Co-operatives are the fastest growing business-model in the contemporary
world, the Blueprint identifies the dominant emerging trends that are likely to negatively shape
our politics, societies and economies for the foreseeable future as follows.
- Environmental degradation and resource depletion.
- An unstable financial sector and increasing income inequality.
- A growing global governance gap.
- A seemingly disenfranchised younger generation.
The ICA Blueprint for a Co-operative Decade
The Blueprint further states that “Co-operatives already made a significant contribution
towards alleviating these pressing global problems. But, with adequate support and greater
understanding and recognition, they could contribute even more.
In challenging the global situations and envisioning the Co-operative movement till 2020, the
Blueprint flagged the five pillars for the formation and fast growth of Co-operatives over the
world - Participation, Sustainability, Identity, Supportive Legal Environment and Co-operative
Capital. The Blueprint denotes that;
•
Co-operatives are better because they give individuals participation through ownership,
which makes them inherently more engaging, more productive, and both more useful
and more relevant in the contemporary world.
•
Co-operatives are better because their business model creates greater economic, social
and environmental sustainability.
•
Co-operatives are better when they practice identically the ICA Co-operative Principles,
34
RESOLUTION & REPORT
and need to communicate with their powerful message understood by everybody from
policy-makers to the general public.
•
Co-operatives will do better when they have a supportive legal and policy environment
because it plays a critical role for the viability and existence of co- operatives.
•
Co-operatives need access to capital if they are to be established, grow and flourish.
Given the framework of ICA Blueprint, the ICA-AP Strategic Objectives (2013-2016) was
adopted by the 10th Regional Assembly of ICA-AP held on 29th November 2012 in Kobe.
This four-year Strategic Objective for the Region specifically assesses the regional situation
and the needs of Co-operative movements of the Region in the five pillars of ICA Blueprint in
specific.
< Participation >
26. It is fundamental for all Co-operatives to ensure that participatory governance is in place
in structuring their organizational bodies and participatory decision-makings in their business
management. This must be clearly stipulated in their ‘by-laws’ that must be in concurrence
with the provided regulation of the Registry and the Co-operative Law.
28. Involvement and representation of women and youth have been the emphasis of ICA
not only at the level of Federation/Apex organization but also at Primary Co-operative-level.
In this context, it will be desirable to review their by-laws with a view to ensure certain seats
for women and youth in the primary Co-operative board structure.
29. To this end, ICA-AP will need to study and organize a forum, seminar and workshop on
these respects in reviewing the relevant laws on Co-operatives, with the guidance of the
ICA Co-operative Identity Statement (ICIS).
< Sustainability >
31. As globalization has proceeded widely, Co-operative enterprises have faced high
competitions and have needed to equip themselves to gain their competitive advantages in
their respective business sectors. In their business operation, adoption of innovative
technologies and business alliance are of strategic solution in cooperation.
< Identity >
38. In the Regional level, it has been the view that the ‘Autonomy and Independence’ principle
was the given agenda for Asia-Pacific when ICA reviewed and the Co-operative Principles at
RESOLUTION & REPORT
35
the Centennial Congress held in Manchester in 1995. It must be continuously pursued by
members and their governments soundly in the Region, especially in the process of Cooperative legislation.
< Co-operative Capital>
44. By and large, the size of Co-operatives in the Region is small and their businesses are
uncompetitive and not viable for the market. So, the mergers and business alliances are
necessary to make their size and business tangible to the market. Especially, in the time of fast
globalization, an increased Co-operative capital is necessary by way of enforcing merger of
primary Co-operatives according to the national norms, and strategic amalgamation alliance
of township Co-operatives. It had happened in the East Asian countries like Japan and Korea in
the past. In these countries, enforcement was accompanied with technical assistance, financial
incentives and legal provisions.
45. Sectoral Federations in some countries often attempted to have their own Co-operative
bank for their firm-based finance and investment, but failed to comply with the given legal
provisions. It could be taken up vigorously as the strategic objective by these countries with
the technical assistance and consultation of ICA-AP office in the coming years.
Primary Co-operatives are the building blocks of the Co-operative movement of a country
where people are organized at grass-root level in their own communities. In the wake of IYC2012 and subsequent discussions at the 9th Asia-Pacific Co-operative Ministers’ Conference
and study of Co-operative laws and policies by ICA-AP, it was felt that the Co-operatives need
practical, simple but effective by-laws for autonomous and participatory governance by
members to meet their common economic, social and cultural needs and aspirations through
a jointly-owned and democratically controlled enterprise.
In the Region, the principle of autonomy, democratic control, inclusions of women and youth,
and financial sustainability have been the prevailing issues that should be taken into account.
As the Asia-Pacific Region is diverse, the member countries have different approach to
governance and regulations. Most of the countries by and large follow the similar system of
Co-operatives: introduced, supported and controlled by the government with a democratic
flavour through customary elections. The institution of the Registrar of the Co-operatives
generally runs the show. In most cases, a model by-law has been designed and implemented,
a kind of – one size fits all.
The primary Co-operatives need a need based business specific by-law to sustain and grow.
The management and members need to get involved/participate in the process of formulating
and incorporating appropriate provisions.
36
RESOLUTION & REPORT
The ICA-AP Strategic Objectives (2013-2016) provided its Activity Plans in particular with No.
8 and 14 reads as under:
No. 8: “To study on countries’ by-laws of primary Co-operatives, and to draw a ‘Guideline laws
with a view to ensure the financial sustainability of Co-operatives and participatory governance
and decision making of members, especially for women and youth to have certain seats in
their board structure”.
No. 14: “To organise an independent Conference instrument with national Registry Agencies
in order to deal with issues such as on Co-operative inclusion in the business opportunity,
especially in the area of new Co-operative business and for sound tuning between Co-operative
laws and commercial laws and between Co-operative law and government policy provisions.”
ICA-AP commissioned a Study on By-laws of Primary Co-operatives in the Asia-Pacific towards
the first step of preparation. Its objective is to compare the advantages and differences
and their impact on the overall performance of the Co-operatives including member
ownership, participation and service delivery. The study is expected to come up with a set of
Model Guidelines for preparation of by-laws of the primary Co-operatives in the region.
The main issues identified so far in the course of review of By-laws at ICA-AP are summarised
below:
1.
By-laws are the foundation of the Co-operative societies especially at the primary level
as the rights, liabilities and duties of the members and other associates of a Co-operative.
The Registrars of Co-operative societies, usually as nodal officer for the government at
national and provincial/state level is responsible for approval and registration of bylaws, if it is found harmonious with the Co-operative legislation, and grants a legal status
to an otherwise voluntary association of people to operate an association and a social
consciousness driven economic or business enterprise.
2.
The process of drafting by-laws should ideally rest on the active participation of
founder and prospective members, who are to give to themselves the by-laws
corresponding to the objects of the proposed Co-operative reflecting needs and
expectations.
3.
The practice of by-law making and adoption differ as much as the laws relating to Cooperatives in various countries of the AP region on account of the distinct legal systems
in operation as indicated in the 4th Critical Study on Co-operative Laws and Policy
published by ICA-AP in 2012.
RESOLUTION & REPORT
37
Illustration: The Andhra Pradesh (A.P.) Co-operative societies Act, 1964 is the statute governing
Co-operatives in the Indian state/province of Andhra Pradesh. There exists another statute in
the same state called the Mutually Aided Co-operative Societies Act, 1995 that registers
voluntary organisations such as a federation of Self help Groups as a Mutually aided Cooperative society and this law was made in conformity with the ICA Identity Statement and
international practices allowing for a greater degree of autonomy and member control in the
Co-operatives registered under this Act. Thus the By Laws of Co-operatives registered under
these two laws are different.
4.
In spite of sound legislative instruments, a common feature encountered by primary
Co-operatives in the region is the mechanical adoption of Model by-laws that are usually
circulated by the Registrar’s office or/and are found within the text of the applicable Cooperative legislation. This practice actively discourages participatory governance starting from
the framing of their own by-laws of the primary Co-operative thereby weakening the Cooperative philosophy at the grass roots. A process like this does not ensure the Co-operative
of financial sustainability or active member participation as the actual needs of members
may not be reflected in their by-laws and further diminishes the scope of participatory
governance as regular amendments to such by-laws becomes a rarity.
The study will be shared at the conference.
As in the Conference Program, Co-operative Registrars are being requested to present their
present state of Co-operative governance issues on the Conference Theme/ and or Sub-theme,
and its impact on the Co-operatives in their respective countries; and participate in the
discussions based on their hands-on experience in implementing laws and regulations. The
discussion is expected to arrive at a common understanding of issues and adoption of guidelines
for preparation of by-laws for primary Co-operatives in the Region.
SPECIFIC OBJECTIVES
1.
To deliberate on the present state of Co-operative governance issues on the Conference
Theme/and or Sub-theme
2.
To arrive at a common understanding of issues, and desirably adoption of guidelines for
preparation of by-laws for primary Co-operatives in the Region.
3.
To facilitate exchange of experience and best practices of different countries
EXPECTED RESULTS
1.
38
To arrive at the common understanding of “Specific legal/policy impediments
plaguing the financial viability and member driven democratic governance of the Cooperatives.”
RESOLUTION & REPORT
2.
To adopt a set of Common Guidelines for preparing by-laws for primary Co-operatives in
the Region.
THEME: ‘SOUND TUNING OF CO-OPERATIVE LAW, POLICY & REGULATION AND PRIMARY COOPERATIVES’ BY-LAWS’
SUB THEMES:
1.
“STRENGTHENING PRIMARY CO-OPERATIVES WITH BUSINESS/SECTOR SPECIFIC BY-LAWS”
2.
“ENSURING FINANCIAL SUSTAINABILITY OF PRIMARY CO-OPERATIVES THROUGH
ENABLING REGULATIONS”
3.
“ENABLING CO-OPERATIVE REGULATIONS TO ENCOURAGE ACTIVE PARTICIPATION OF
WOMEN AND YOUTH IN CO-OPERATIVE BUSINESS”
PARTICIPANTS
The Registrars/Regulators of Co-operatives, senior government officials/secretaries from
concerned Government departments, member Co-operative leaders from the region,
international agencies and technical experts will be invited to participate.
TIME AND VENUE
10-12 December 2013, Dorsett Grand Subang Hotel , Selangor, Malaysia
(arrival on 9th and departure on 13th December, 2013
CONTACT PERSONS
Dr. Chan Ho CHOI
Regional Director, ICA-Asia and Pacific,
New Delhi Tel: +91 11 2688 8250 (ext. 101)
Fax: +91 11 2688 8267
Email: [email protected]
Web: www.icaroap.coop
Mrs. Savitri Singh
Gender Programmes and Communication
ICA-Asia and Pacific, New Delhi
Tel: +91 11 2688 8250 (ext. 109)
Ms. Noor Azlinn Zahariman
International Co-operation ANGKASA,
Selangor, Malaysia
* For your Conference Registration
Mr. Sethumadhavan
Manager Planning & Membership
ICA-Asia and Pacific, New Delhi
Tel: +91 11 2688 8250 (ext. 102)
RESOLUTION & REPORT
39
PROGRAMME
THEME: “SOUND TUNING OF CO-OPERATIVE LAW, POLICY & REGULATION AND PRIMARY
CO-OPERATIVES BY-LAWS”
9th December (Mon) –Day 0
Arrival of the Registrars/Regulators, Co-operative Leaders and International Delegates
12:00-18:00 Registration of participants
10th December (Tues)-Day 1
08:00-9:00
Registration (contd.)
09:00-9:30
Statutory Proceedings (Agenda)
1.
Election of Conference Chairperson(s)
2.
Adoption of Rule and Procedures
3.
Election of Drafting Committee for the Joint Declaration and
Recommendation
4.
Report on the Conference: Dr. Chan Ho CHOI, Regional Director
5.
Presentation of the Draft Resolution
09:30-10:00
Presentation of findings of the ICA-AP Study by Mr. Rangan Dutta, Principal
Consultant, ICA-AP
10:00-10:30
Key-note speech on the Theme: “Sound Tuning of Co-operative Law, Policy &
Regulations and Primary Co-operatives By-laws” by Mr. Maurizio Bussi, Director,
ILO Decent Work Technical Support Team for East and South-East Asia and the
Pacific, ILO
10:30-11:00
Tea/coffee break
11:10-12:30
Inauguration of the Conference
40
•
Welcome Reception
•
National Anthem
RESOLUTION & REPORT
•
Recital of Prayer
•
Welcome Address :
Datuk Nik Ali Bin Mat Yunus, Executive Chairman
of Malaysia Co-operative Societies Commission
•
Appreciation
:
Dr. Chandra Pal Singh Yadav, Vice Chairperson of
ICA-Asia and Pacific Board
•
Inaugural Address :
H.E. Dato’ Hasan bin Malek, Honourable Minister
of Domestic Trade, Co-operatives and
Consumerism (MDTCC) Honourable Minister of
Co-operatives, Malaysia
12:30-13:00
Press Conference
13:00-14:00
Lunch
14:00-14:45
Chairperson: Mr. Shil Kwan Lee, former Regional Director of ICA-AP
Topic “ENABLING LEGAL FRAMEWORK FOR DEVELOPMENT OF COOPERATIVES.”
14:45-15:40
1.
2.
Mr. Hyungsik EUM, CICOPA, Brussels
Session-1. Statement by Registrars
Session Chair: Datuk Nik Ali Bin Mat Yunus, Executive Chairman Malaysia Cooperative Societies Commission (MCSC), Malaysia
(15 minutes for speakers)
“SOUND TUNING OF CO-OPERATIVE LAW, POLICY AND REGULATIONS
AND PRIMARY CO-OPERATIVE BY-LAWS”
1.
Mr. Kedar Newpane, Registrar, Department of Co-operatives, Nepal
2.
Dr. Emmanuel Santiaguel, Chairperson, CDA, Philippines
3.
Dr. W. H. Karunarathne, the Commissioner of Co-operative Dev. and Reg.
of Co-operative Societies, Department of Co-operative Development, Sri
Lanka
4.
Mr. Salekan, Assistant Deputy of Organisational and Legal of Law Coop
Enterprises, Ministry of Co-operatives and Small Medium Enterprises,
Indonesia
(15 minutes for Q & A and summing up by Session Chair)
RESOLUTION & REPORT
41
15:40-16:00
Tea/coffee break
16:00-17:00
Session-2. Statement by Registrars
Session Chair: Dr. Emmanuel Santiaguel, Chairperson, CDA, Philippines
1.
Datuk Nik Ali Bin Mat Yunus, Executive Chairman Malaysia Co-operative
Societies Commission (MCSC), Malaysia
2.
Mr. Khalid Md. Humayun - Registrar & Additional Secretary,
Department of Co-operatives, Bangladesh
3.
Mr. Dorji Dhradhul, Director & Registrar, Department of Agricultural
Marketing and Co-operatives, Ministry of Agriculture and Forests, Royal
Government of Bhutan
4.
Mr. Low Puk Yeong Senior Director, Registry of Co-operative Societies,
Singapore
20:00 – 21:30 Welcome Dinner
11th December (Wed) - Day 2
9:00-10:00
Session-3. Statements by Co-operative Leaders on Sub-theme-1:
Session Chair: Mr. Chan Tee Seng, Chairman, SNCF, Singapore
“STRENGTHENING PRIMARY CO-OPERATIVES WITH BUSINESS/SECTOR
SPECIFIC BY-LAWS”
1.
Mr. Jose Romeo B. Ebron, Chairperson, NATCCO, Philippines
2.
Mr. Vitoon Naewpanit, Chairman, CLT, Thailand
3.
Mr. Takuo Ichiya, Manager, International Cooperation Division, JA Zenchu,
Japan
4.
Mr. Hoang Van LONG, Director of Information and Communication Dept.,
VCA, Vietnam
5.
Mr. Agung Sujatmoko, Vice President of DEKOPIN
42
RESOLUTION & REPORT
10:00 - 11:00 Session-4. Statements by Co-operative Leaders on Sub-theme-2:
Session Chair: Mr. Jose Romeo B. Ebron, Chairperson, NATCCO, Philippines
“ENSURING FINANCIAL SUSTAINABILITY OF PRIMARY CO-OPERATIVES
THROUGH ENABLING REGULATIONS AND BY-LAWS”
1.
Dato’ Haji Aliasak bin Haji Ambia, Vice President, ANGKASA, Malaysia
2.
Mr. Kyaw Mya Khine, Vice Chairman, Central Co-operative Society Ltd.,
Myanmar
3.
Mr. Lalith A. Peries President, NCC, Sri Lanka
4.
Dr. Dinesh, Chief Executive, NCUI
11:00-11:20
Tea break
11:20 - 12:20 Session-5. Statements by Co-operative Leaders on Sub-theme-3:
Session Chair: Mr. Khalid Md. Humayun, Registrar & Additional Secretary,
Bangladesh
“ENABLING CO-OPERATIVE REGULATIONS TO ENCOURAGE ACTIVE
PARTICIPATION OF WOMEN AND YOUTH IN CO-OPERATIVE BUSINESS.”
1.
Mr. Zhang Wangshu, Director for International Cooperation,
ACFSMC, China
2.
Ms. LEE Heehan, Vice Chairperson, iCOOP, Korea
3.
Mr. Chan Tee Seng, Chairman, SNCF, Singapore
4.
Mr. Saroj Sharma, NCDB, Nepal
12:20-13:30
Lunch
13:30 - 15: 00 Panel Discussion:
Guide lines for Formulating By-laws of Primary Co-operatives.
Chairperson: Datuk Nik Ali Bin Mat Yunus, Executive Chairman, MCSC, Malaysia
(10 minutes statement each, 30 minutes Open floor)
RESOLUTION & REPORT
43
Panellists: Mr. Khalid Md. Humayun - Registrar & Additional Secretary,
Bangladesh
Mr. Zhang Wangshu, Director for International Cooperation, ACFSMC, China
Haji Mat Deris bin Jusoh, Head of Operations and Regulations sector, MCSC
Mr. Agung Sudjatmoko, Vice President, DEKOPIN, Indonesia
15:00-15:20
Tea break
15:20 - 16:30 Recommendation and Closing
•
Report of the Drafting Committee
•
Adoption of the Report of the Conference
•
Adoption of the Conference Resolution
•
Closing Speech
•
Vote of Thanks by Dr. Chan Ho CHOI
17:30 - 18:30 Farewell Reception
12th December (Thu) - Day 3 : VISIT TO CO-OPERATIVES
1.
Koperasi Permodalan Felda Berhad (KPFB)
2.
Bank Kerjasama Rakyat Malaysia Berhad (BANK RAKYAT)
3.
National Land Finance Co-operative Society Limited (NLFCS)
13th December (Fri) - Day 4 : DEPARTURE
44
RESOLUTION & REPORT
PRESENTATION ON THE ICA Asia and Pacific
Study on Bye Laws of Primary Co-operative Societies
By Rangan Dutta
Principal Consultant
! "#$% ! &' (
‘SOUND TUNING OF COOPERATIVE LAW, POLICY & REGULATION
AND PRIMARY COOPERATIVES BY-LAWS’
)"
(
*& ! + , #-. ##-/ ! -0 1 2' - 1 -#.
1-'&(
(
(
$ (
3
-0. '2.-, '. # ' & 1 -/.. ., .- 2'/. , '#- .
'. !- !! -.& ! +(
RESOLUTION & REPORT
45
* ' -01,&
• •
1 '. --# '/ ! + ., &
! +( -/, '. 1 -0 & ! + ', '. 1 .4 !',(
.,-. '.
46
!!!!!!
!!!!!!!
!
!!!!!!(
(
1--# '/'.'#!-,','.
3 5561 .1-1-.
-0 '.21--# '/! + .,#-!''(-!!!!
!!!!!!!
!!!!"!# 1
1 .# ''# -& ---# '/! + .,--.! +-.'
#-/','1 -,!&! +0- ,-#'-.-#-+12' -1
-.., 1-'&-! &,-+. &! + .,'-..! /'.2!'!
-#0-1'..,'.2--# --4' .&-1--0 '-.
+1. . '-#'-.' / '! !(
(
/.'.-.'$!'7- '.
.,' +1'11 / .,,1'-
-# '/! +'..+'1'.. '-. ! #,'.'#!$1#-/''-.
! '.2-*&! +1 / '.,1 ., ,' !-2#--0&! +
7'.2'.-'.2.- 2,(
RESOLUTION & REPORT
• 0- '. --# '/ ! + 1-!, 2'. 1 0- '-.
2 -0 1 #' & --# '/ +1'1 8' . !'.2
#-/''-. - ,, 1 -. '. '.2 0 , & 1 -
-# '/ , - 1 '2','& -0 1 & '. 1 0-.
-.& ! + ,',( - -0 1 -. '. 1
- -/ 1 , # '. 1 .4 !',(
"
))
$
%!!!!!!!!!!!
!!&#!'!!(!!
!!!!!
)!'., 0'.2&! +(1'1 8'.-0 1 .,1-!,'.2-!&1--# '/ #4-,'+'1-
+1'11#' &--# '/-'&+'!!#-.--#0-1 '+ &-01 .' !!& ,-#'.2&! +!
$ *!!!!!*)!!!!!!!!
!!&#!' .,1! -! .,0.'-..,-#,-+.'.-, '!'.
1! +'!0-'.''-. !'1,' !-2#-$ .,1#2' '-., '-. ., '.'.2(
$
!
!!!'!!!+ .,1--# '/-/'.2 !!
0.'-. ! #'.!,'.21-..-01&! +$-,!&! + .,1
#-+-0#/''-. .,-.-!2'/.-12' 1 .0-.,-,1
-.-&-01--# '/(1'#-+!!! .,!!!!
!
!!!'!!!!!+!!!!!
!
!!!!!!
,9
RESOLUTION & REPORT
47
,9 # 2 ' ##- 1 ' .,, - ,0'. . " # ) 9 7'.2 .- -0 1 1 !!.2 0 , & 1 --# '/ 0- .,
%'-0'. . '.''-. ., -1 :0'. .' ! '.,' '-. 2.'(
1 ,& 2$ , -. 1 4#'. -0 ,2 -., '-.
;
.,' 9 <1 # 1=$ ,'- ./' ./' ./' ( 0 12 3 4 * 0 # 1!, '. * .27-7$
1 '! ., '. & (
%%)
>
9 '. '!'& -0 --# '/ '. 1 . 8' 0'. .' ! '. '!'&
.! 1 --# '/ 1'/ #! -/ 4#.,'$ ' ..-
/'/ ., 1 '$ ' 1 - '!, # -' ! #' ! & !!&
# ''.2 ,'/. .#' #-/','.2 /' - 1 - '#-/
1' -'- -.-' +!! '.2( 5 + 9 . *1 . --# '/ ! + 6* 22$ # 1 -. -0 1 . ! !& 1-' 1 *- , -0 '- - & - ' '/'' '. .. 1 7
1 --# '/ '. !( #-/''-. 0- 1 -., -0 -.-' /& '
-.,, 0- '.!'-. '. 1 --# '/ ! + ., '. 1 & ! + -. -0
' -?( &# 48
RESOLUTION & REPORT
9 " # ' . & #-/',, '.
1 --# '/ ! + -0 %-.2-!' ( 0 -.', -. - '-. ! '$ 1
-' +'!! #-/', !! % +'1 . -##-.'& - -/ 1
0.'-.'.2 -0 1 --# '/(
,9 1 & ! + -. '. #-/''-. 0- '. 1 %-.'-'.2 -' +!! 1 - , -0 ,'-
2 ,! -0 1' .21 '. 1 --# '/(
9 1 7 ' -0. ,'00'! - 1 -'- -.-'
.0' , - 1 %( 1 -' ! ,' 8' 0'4 '-. -0 .-$
., , ., # ' ., ,''. 4#'( ' 22, 1 *) .,
1 7 '2., - 1 ,' -' +'1 1 ##- -0 1 %-.'-'.2
-'(
*>"@*)
"
9
1 '.,' '/ & ! + '. 1 # A 1 / . ## , -. 1
' -0 4 '. '-. -0 / ! & ! + '.2 0-!!-+, & '.2!
., !'##- --# '/ '. .,' +1'! '.'.2 1 -0 1 & ! +( -!!-+'.2 .+ '.!,,(
$ . 71 1 . 4# .,, - '.!,
-! 0- 1 #4
--# '/ 0, '-. - #-/', '.'.2$ , '-. ., !2 !
,/' - 1 -., -# - - -' '. 7'.2 &
! + ., 1 -1 & . &(
9
. -0 -? '. 1 . 4# .,, - '.!, & ., 1 -1 -? 1 & ,',, &
1 -'&(
RESOLUTION & REPORT
49
,9
.!'-. -0 1 -! -0 1 --# '/ 0, '-. '. # 2' '-. ., '.'.2$
. & ( 8. 9:
9
'. '-. -0 1 'B ., . -0 1'# 8. ;11:
#-/', 0- +1'1 22 1 /&
-'& +'!! ! & ,-+. ' -+. 1'# '' ( ;1' '21 8'
!2 ! ,0'.''-. -0 .-'. ! - -' '. 1 --# '/
! + '!0 - 1 ! , 1 .,9(
$
. ;<1 #1 ' 1 ., - 1 / ! ! 2 ,'.2 1
., 1 4' #-#-'-.
-0 . '-.C/' 1 -!, 4.,, - .-. #0 !& .- 4,'.2 6D -0 1 - ! '. .-/( #-/''-.
0- -. 2 0., !!-+, - '/ ., 1 & ! + '
- 1'/ '!'& ., '. '!'& -0 1 --# '/(
29 '4 -' 1 / . #-#-, 1 '.,' '/ & ! + '.!,'.2
= . ., '-.
;>7' 6?1$ ., '0 ., -1 -' & -.',(
19 )., <;$ ;8'. -0 '2. -0 +#-.9 (
'9 . ?22 +1'1 7 1 5 0- 7'.2
##-/ ! -0 1 2' $ % . 2'.2 -' ' - - '. 1 ##-/ ! -0
1 %-.'-'.2 ., #/''-. -' ., #! ' 0- 1 . !
!& '. ' .4 '.2 0- -.0' '-.(
?9 1 #-/''-. '. 1 & ! + 2 ,'.2 1 #' ! '.!,'.2
'-. -0 / 0.,$ !' '!'&$ !2 '-.$ ,'#- ! -0 #! .,
,'# ., -.., +'1 1 '.2 -0 1 2. ! -,& -0 1
-'& 1 / - . & 0-!!-+ 1 #-/''-. -0 1 --# '/ ! +(
50
RESOLUTION & REPORT
")
• --.!,$1!!!
!
!!!
!!+!!0!!!!!!!
!! 0-1#' &--# '/-''-
## &! +1-21 ,' !-2#- '. !2'! '/
#-$ .,'.1#''-01
3 556(
• 2--,2'..'.2-+ ,1',''-.-!, !!!
+#!,
!!!!!!@*!!!
!!!!!!!
!
!! -!&# ''# -&(
44 4
RESOLUTION & REPORT
51
The 1st ASIA-PACIFIC COOPERATIVE REGISTRARS’ CONFERENCEON
‘SOUND TUNING OF COOPERATIVE LAW,
POLICY & REGULATION AND PRIMARY COOPERATIVES BY
BY-LAWS
LAWS’
10 - 12 December 2013 Kuala Lumpur, Malaysia
ENABLING LEGAL FRAMEWORK
FOR DEVELOPMENT OF
CO-OPERATIVES
.”
AC
CCU
U
(E
(Experience
i
on Credit
C dit Cooperatives
C
ti
in
i Asia)
A i )
Ranjith Hettiarachchi
Chief Executive Officer
Association of Asian Confederation of Credit Unions
Module 1
Our Network & where we work
AC
CCU
U
44.4 M Individuals, from 22,712 CUs in 26 countries in Asia
Module 1
52
RESOLUTION & REPORT
ACCU represents 44.4 Million members
in 21,712
21 712 CUs in 26 countries
AC
CCU
U
REGULAR
MEMBERS
12
ASSOCIATE
organization
1 country
organizations
AFFILIATE
22
organizations
SUPPORTER
MEMBERS
8 countries
62
organizations
10 countries
10
countries
Module 1
Milestones of the Asian Regulators Conference
1st Conference
Milestones
Prudent Management
g
and
Operational Performance
Standards for Credit Unions
Prudential Standards developed
p
from PEARLS and CAMEL:
October 27-30,
27 30 2003
Bangkok, Thailand
•
Philippines - COOP-PESOS
•
Bangladesh-PEARLS-GOLD
•
Hong Kong-GLARES plus
AC
CCU
U
regulation on Good
Cooperative Governance
• Nepal-PEARLS-HIMAL
Nepal PEARLS HIMAL
•
Sri Lanka-COOP-RUPEES
•
Thailand-selected ratios of
PEARLS
Module 1
RESOLUTION & REPORT
53
2ND Conference
Milestones
Prudent Management Prudential Standards regulated
of Credit
by the Cooperative Department
Cooperatives/Unions
in the Philippines,
Philippines Sri Lanka
Lanka,
May 16 to 20, 2005
Bangkok, Thailand
Nepal, Hong Kong, Bangladesh,
AC
CCU
U
and Thailand.
Thailand
g relationship
p with
Working
National Federations and
Regulators developed
Module 1
3RD Conference
Milestones
M it i and
Monitoring
d
•
Standardization of
endorsed the Credit Union
Credit Unions in Asia
Solutions developed by ACCU
May 21-24, 2007
Bangkok, Thailand
AC
CCU
U
Bangkok Declaration 2007:
•
Signified their support for the
establishment of a Stabilization
Fund to secure the credit unions
and their individual members
Module 1
54
RESOLUTION & REPORT
4TH Conference
Milestones
Enabling Regulatory
•
Bangkok Declaration 2009.
Environment to Promote
Formation of ACCRA – Asian
Growth of Asian Credit
Credit Union/Cooperative
Unions/Cooperatives in
Regulators Alliance.
AC
CCU
U
the Advent of Global
Financial Crisis
•
Increase awareness on the
p
C
Credit
need for separate
May 13-19, 2009
Union Law
Bangkok, Thailand
Module 1
Milestones of the Asian Regulators
C f
Conference
5TH Conference
Milestones
The Asian Credit Union
The Asian Credit Union and
Regulatory Regime:
C
Cooperative
ti R
Regulators
l t
Prospects and
AC
CCU
U
Possibilities
Alliance (ACCRA) was
April 25-26, 2011
established with five
Bangkok, Thailand
founding members from
Indonesia, Malaysia, Nepal,
Philippines, and Sri Lanka.
Module 1
RESOLUTION & REPORT
55
6TH
Conference
Regulators
Meeting
Milestones
Elected Board of Trustees of ACCRA
•
President, Cooperative Development
Authority, Philippines - Dr.
Authority
Dr Emmanuel
Santiaguel
•
Secretary,
y, Ministry
y of Business,, Enterprise,
p
,
Co-operatives (Cooperatives Division)
Mauritius - Mr. Mario Monvoisin
•
Treasurer, Financial Regulatory
Commission of Mongolia - Mr. Kherleng G.
S
September
b 8,
8
2012
AC
CCU
U
Philippines
• E
Ex-Officio,
Offi i ACCU Mr.
M Ranjith
R jith
Hettiarahchchi, Chief Executive Officer
Module 1
AC
CCU
U
Purpose of regulations
g
“Promote and implement prudent operational
standards for credit unions. Thereby,
ensuring compliance with the joint efforts
of government regulatory authorities and
the credit union national federation for safe
and sound management to protect image of
cooperatives.”
Module 1
56
RESOLUTION & REPORT
ACCRA
AC
CCU
U
Th Ch
The
Charter was signed
i
db
by the
h six
i
founding members from
B
Bangladesh,
l d h IIndonesia,
d
i M
Malaysia,
l
i
Nepal, Philippines, and Sri Lanka on
April
A il 26,
26 2011.
2011
Module 1
Credit Union Act
Credit Union Regulatory
Frame work
Regulations
AC
CCU
U
Do not
have
many
coop
Module 1
Do not
have
many
coop
Sound Business Practices
Articles & By Laws
Credit Union Policies
Credit Union Procedures
RESOLUTION & REPORT
57
General View of Cooperatives
Self-control
President –Manager –Staff
(Personnel System)
Selfresponsibility
ibilit
Supervision, inspection,
examination
AC
CCU
U
Legal
person
Self-decision
General meeting , Board meeting
meeting,
Various committee meeting
Module 1
Highly regulated credit unions
Countries
Characteristics
USA,, Canada,,
•
Delinq
quency
y rate is less than 1%
Ireland, Australia,
•
Regulated under Financial Industry regulations
Korea, Vietnam,
•
Complied with ‘Fit and Proper’ requirement for
New Zealand,
Kenya, United
the Board
•
Kingdom Poland
Kingdom,
Guarantee that no single member will lose
money – Stabilization Fund and Savings
AC
CCU
U
Guarantee Fund
•
Public Image – better than banks
•
Full financial services – ATM, phone banking,
online banking, credit cards etc.
•
Module 1
58
RESOLUTION & REPORT
Insufficient regulation for credit unions
Countries
Characteristics
Most of Asian
•
gmented
frag
Countries –
•
Super personality rather than institution
regulated under the
•
Poor image
general coop act
•
Out of control delinquency & insufficient
provisions
AC
CCU
U
• Weak institutional capital
•
Insider cliques
•
Outdated products & services, not able to
interconnect in technology
•
Incompetence in the Board (fit & proper
requirement)
•
Excessive non-earning assets
Module 1
AC
CCU
U
Result of Fragmented Credit
Unions in Asian Countries?
Module 1
Who is responsible ?
Where is accountability ?
What is the image of Coop ?
16
RESOLUTION & REPORT
59
Credit Union Image in the Marketplace
!
Monitoring
M it i & Evaluation
E l ti Systems
S t
- Integrated
I t
t dS
System
t
Financial Disciplines Market Information Human Resource
& Administrative
& Product Dev’ t.
Development
AC
CCU
U
Control Systems
Module 1
Uncompromised
Financial Strength &
Administrative
Controls, Standardize
Operations
"
"
#
:
$
;
;
%
<
;
&
=
'
>
(
?
)
@
*
A
+
,
-
System
Policies - Comprehensive
Market Driven
Ch
Character
Hi h Quality
High
Q li
Competence
Profit Oriented
Compensation
for better service
.
+
'
<
B
'
<
C
D
E
F
G
System
@
/
H
C
+
0
D
&
?
B
1
;
G
2
3
@
+
4
I
C
0
=
F
E
'
J
-
5
?
C
&
=
B
1
@
2
K
6
+
6
$
1
D
;
?
J
F
7
<
;
G
0
@
6
1
L
9
"
"
8
E
'
M
F
<
N
(
<
M
?
’
Operational
Efficiency
Financial
viability
AC
CCU
U
Employee
satisfaction
ti f ti
Member
satisfaction
f
Competitive
position
18
Module 1
60
RESOLUTION & REPORT
Financial
viability
i bilit
AC
CCU
U
Operational
Effi i
Efficiency
Employee
satisfaction
Competitive
position
iti
Member
satisfaction
19
Module 1
Credit Union Image in the Marketplace
!
Monitoring
M it i & Evaluation
E l ti Systems
S t
- Integrated
I t
t dS
System
t
Financial Disciplines Market Information Human Resource
& Administrative
& Product Dev’ t.
Development
AC
CCU
U
Control Systems
Module 1
System
Policies - Comprehensive
Market Driven
Ch
Character
Hi h Q
High
Quality
li
Competence
Profit Oriented
Compensation
for better service
Uncompromised
Financial Strength &
Administrative
Controls, Standardize
Operations
"
#
:
$
;
;
%
<
;
&
=
'
>
(
?
)
@
*
A
"
+
,
-
.
+
'
<
B
'
<
C
D
E
F
G
System
@
/
H
C
+
0
D
&
?
B
1
;
G
2
3
@
+
4
I
C
0
=
F
E
'
J
-
5
?
C
&
=
B
1
@
2
K
6
+
6
$
D
1
;
?
J
F
7
<
;
G
0
@
6
1
L
9
"
"
8
E
'
M
F
<
N
(
<
M
?
RESOLUTION & REPORT
61
The approach
National federation enables to carry
out its responsibilities in protecting the
y
credit union system
AC
CCU
U
The Protection
• Stabilization Fund
• Credit Union Risk Based
p
by
y regulator
g
Supervision
Module 1
Why Risk Based
AC
CCU
U
Banks
Credit Coop
Basel 3 – devised to
improve financial
soundness
Prudential
Standards
Aligning capital
requirement to
underlying risks
Aligning capital
requirement to
underlying risks
Risk
Based
S
Supervision
i i
Risk
Based Supervision &
Risk Management
Module 1
62
RESOLUTION & REPORT
Credit COOP Realities
AC
CCU
U
Prudential
St d d
Standards
Our Current Status
Aligning capital
requirement to
underlying
y g risks
Unable to meet
the minimum
Requirements, Institutional
C it l < 10% off TA
Capital
Risk
Based Supervision &
Risk Management
Not In place
We only have external audit
and audit committee
Module 1
Credit Coop Risk Based Supervision
AC
CCU
U
Prudential
Standards
Our Future . . .
Aligning capital
requirement to
underlying risks
Put in place efficient risk
Mgt. structure, MIS, risk
Focused internal audit
audit,
Compliance unit
Risk
Based Supervision &
Risk Management
St bili ti F
Stabilization
Fund
d&
CU Risk Based Supervision
Service
Module 1
RESOLUTION & REPORT
63
Supervisory Approaches
Risk based
AC
CCU
U
Compliance based
• Translating economic
and other information
into potential risk
f t
factors
for
f a CU.
CU
Focuses on quality of
risk mgt. systems and
the recognition of
systemic risks to the
credit union system
system.
• Compliance with
legislation and
regulations and to
ensure financial
statements meet the
requirements of
reporting methodology
(IFRS)
Module 1
Solution
Building solutions to credit union critical challenges
Building Blocks
Sustainable Credit
Union
Stabilization
Sol. 16 – 360 Degrees
Financial Letary
Sol. 7 - CUMI
Methodology
S l 2 -BDC
Sol.
BDC Operations
O
ti
Manual
Sol. 8 - Tools on Poverty
Alleviation Impact
Assessment
Sol 9 - Marketing Tool –
Sol.
Youth
Fund solution 13
ACCESS Branding Federation
S l ti 18
Solution
ACCESS Branding CUs
Solution 3
Management Tools – Solution
S
1
AC
CCU
U
MemberCustomers
Finance
HRM
Planning
Governance
Sol. 10 & 14CU
Governance
Credit Union Account Supervisory Competency Course (CUASCC) - Solution 19
Credit Union Loan Officer Course (CULOC) - Solution 17
Credit
Union Directors
Competency
CourseUnions
(CUDCC) - Solution 4
Association
of Asian
Confederation
of Credit
Credit Union CEOs Competency Course (CUCCC)(CUCCC) Solution 6
Sol. 5 and 15- Credit Union Promotions
Module 1
64
RESOLUTION & REPORT
AC
CCU
U
Thank you
ASSOCIATION OF ASIAN CONFEDERATION OF CREDIT UNIONS
ACUI : The first E-learning program in Asia dedicated to Credit Unions
click here to learn more - acui.aaccu.coop
8th Floor, U Tower, No. 411, Srinakarin Road, Bangkok 10250, Thailand
T (66)-2-7044252-4 | F (66)-2-7044255
[email protected]
www.aaccu.coop | www.aaccu.asia
Module 1
RESOLUTION & REPORT
65
!"#$! %
Titre intermédiaire
66
RESOLUTION & REPORT
> "
!
"##$
!%"##&
> &
' ('
)*
!
%!!
+!
!%!*
!!
(!
*!
)
,
,
!
> '
(
-
!
)
*
)!!%
,))*
%
*
!
%
*
)),
)*
!!*
,!%
)
)!!
)%*
!,
!%!%
,
)*%%*
!
).
,)
!%
!)
'
www.cicopa.coop
(
%
%
,/0,
,
Cooperative group composed of
110 cooperatives employing
80,321 workers (2012) in
manufacture, construction,
service including bank, retail,
university, R&D centers etc.
The 10th in the ranking of top
Spanish companies
3.2% of the Basque Country’s GDP
3.5% of all employment in the
Basque Country
www.cicopa.coop
RESOLUTION & REPORT
67
> !,"#
> 1.%!
2
(,
!!,,
,
)*
!!
2
!,
),,
> %
)%
)
!
%
)
!
www.cicopa.coop
13,938 social cooperatives
employing 317,339 workers
Social cooperative A type
: Provision of social services
Since 1970s, social solidarity
cooperative movement
In 1991, social cooperative law
Social cooperative B type
: Work integration of disadvantaged
people (handicaped, ex-prisoners,
drug addicts …)
www.cicopa.coop
68
RESOLUTION & REPORT
> )**
> #
%3!%%,%45
!!*
!3)!
5
!,
+)))
!*
62
%
!
!%,
,
*
(1
> ).,
,
www.cicopa.coop
!,!
*
3
5
Cooperatives
!
!.(
Workers
%#* +#
!,%
# * ##$-
Typology
0 1!2
0 32
* 0 32
Important
sectors
(
(
(#
(
4(# * Most diffused
activities
/$ (
(
(
* (
#(
(
(
www.cicopa.coop
RESOLUTION & REPORT
69
"7%
8
**
)
> 5*
*
(
+67
5#> &#*
+6789*> )
+67:
))
)
3!
,%)
5
)
%%
,))%,
> 5**
+67
;($> 5**+67/'
+)*
,
!
%!
!
www.cicopa.coop
70
RESOLUTION & REPORT
!
%!)
!
%*
> '$
),,,,!,
3
)0,
%
%
!
!5*.
7%
%
6$#9
),,"#9-&9
> 5(
(#
))
)
,
)
> (
((#
##
*&:;::"< 1!
)
!),
!
!
)
,
,
3$9
),,
)
5
+12 =
,
%!,,),-*
)
> #
*$((
-< ),%)
)%,
%*
,
,
%
*>:;:?&
www.cicopa.coop
-**
!3
5
$
RESOLUTION & REPORT
71
> '
> #*
> 3<##$%!(
!< )< >1,
< "@
< AB3A5C113CD5-8385385
> 5$!
))< /,/%,!
D%
))< 1< 1,
3/,/%,!5(
,
3(
B,%,5
www.cicopa.coop
> '#
##(
< ***
1!%E< F
%
,
)
31,
5 ***
;,
> B271B(
,
> &(6
< )
G
,3
)
%%
!!5
> #
#
D
,!)!
H 8
*
*
I
6;;***
%
,!
;
%
%
'
H 1!
!
I)!*
)
,!!
)
J,"#>
www.cicopa.coop
72
RESOLUTION & REPORT
8
*'
> '##$
2
!!)
(!
D
%
)
,
,
*
0,
)
!!
**
!
)
!!
,%
)*
,3
*H ,, 8
*
!!! I5
!
)$
,!/
6!
,
+
%
1.!
1.,
!!
> )'##$
!
,)'
%
)!%*)
'
%
www.cicopa.coop
(
)
!
6
***77
-
* ,6
RESOLUTION & REPORT
73
The ILO and the Co-operative Spirit:
A Historical Partnership with a vision for the future
Opening remarks by
Maurizio Bussi
Director, Decent Work Technical Support Team
for East, Southeast Asia and the Pacific
International Labour Office
Your Excellencies, Co-operative leaders, Distinguished guests, Ladies and gentlemen,
Thank you for this invitation to be with you at the opening session of the first ever Asia-Pacific
Registrars’ Conference. I am very pleased to extend to all of you the very warm greetings of
the ILO Director-General Mr. Guy Ryder. He sincerely regrets that he is unable to be with us
today but asked me to re-affirm the ILO’s strong commitment to promote the value of the Cooperative model as a vehicle for decent lives, decent work and sustainable development.
ILO and Co-operatives
As I’m sure many of you here today know - the ILO and ICA have enjoyed a long and fruitful
relationship, both at the global and the regional level. Let me take a moment to highlight our
historical partnership with the Co-operative movement. This can be traced right back to 1920
when the ILO’s Co-operative Branch was founded – in clear recognition of the central
importance of the Co-operative movement in fulfilling the ILO’s mandate.
The first Director-General of the ILO, Albert Thomas, was a French co-operator and a member
of the Central Committee of the International Co-operative Alliance which established in 1895.
Article 12 of the ILO Constitution specifically refers to consultation with the international
organizations of cooperators, and since then the International Co-operative Alliance has had a
general consultative status with the ILO. More than 90 years on, this relationship is just as
relevant as ever and the ILO remains the only UN agency with an explicit mandate on Cooperatives. The partnership with the ICA remains solid and firmly based on the shared vision
of implementing a “Common Co-operative Agenda” as clearly indicated in the Memorandum
of Understanding signed by the two organizations almost a decade ago.
In the Asia-Pacific region we are witnessing a time of unprecedented changes and challenges
in the world of work – ranging from shifts in most countries in terms of demographic structure
74
RESOLUTION & REPORT
and growth patterns, to the persistence of unacceptable forms of work. We are also all aware
that we have to tackle the growing imperative of finding greener and more sustainable
economies and societies based on decent work and social justice.
As we ask ourselves how to deal with these challenges, it is clear that the Co-operative
movement has a lot to contribute - whether it’s through generating employment, creating
quality jobs, improving livelihoods and reaffirm the principles of equality and solidarity.
Historically we have seen the amazing role that agricultural, financial, consumer, housing and
artisanal Co-operatives have played in transforming local economies across the Asia Pacific
region.
Today we see how Co-operative services are expanding into new innovative areas from rural
tourism to ethical sourcing, from recycling to renewable energies.
We are also witnessing the growth of new types of Co-operatives from worker Co-operatives
in the informal economy, homeworkers, street vendors, taxi drivers to waste pickers and
domestic workers. And social service Co-operatives are forming in addressing care needs of
elderly, children, chronically ill and disabled. We have also seen the resilience of Co-operative
enterprises to the crisis across sectors around the world as it has been documented by recent
ILO studies. This shows that the Co-operative model can be a credible and sustainable
alternative to the mainstream economic system.
The ILO works through these types of Co-operatives, their associations and national government
agencies responsible for Co-operatives. We find important elements of this work across various
Decent Work Country Programmes and technical cooperation projects in the region from
Indonesia and Vietnam to Sri Lanka and Philippines.
That is why I see it as critical that the Co-operative movement takes a more central stage and
speaks with an even louder voice in important national, regional and international debates.
This is particularly critical in the discussions about the UN’s post-2015 Development Agenda
where we need to show how the Co-operative way of doing business can contribute to
advancing a range of development goals from poverty alleviation to food security and
employment creation.
Co-operatives provide today more than 100 million jobs worldwide. These are jobs that provide
security, pay competitive wages, promote additional income through profit sharing and support
community facilities that contribute to the welfare of workers and their families. All these
elements together with the principles of social inclusion and solidarity offer an invaluable
contribution in shaping the post-2015 development framework.
I am confident that the coming days will provide the ideas and know-how to support this and
RESOLUTION & REPORT
75
make it a reality. Today, I want to highlight just two crucial dimensions where I think the ILO’s
engagement and involvement is crucial. It relates to ILO Recommendation 193 on the
Promotion of Co-operatives and to recent work in improving statistics in Co-operatives.
ILO Recommendation 193
In 2002, the International Labour Conference adopted Recommendation 193 on the Promotion
of Co-operatives which is intended to provide a framework for co-operatives for the 21st
century, through development of laws, administrative systems and policies which will enable
Co-operatives to flourish.
It is based on the fundamental principles reaffirming that:
•
Co-operatives should enjoy equal treatment with other types of enterprise.
•
Governments should create an enabling environment and facilitate access to support
services.
•
Employers’ and workers’ organisations should promote co-operatives.
•
Co-operatives should co-operate internationally
Over 80 countries from around the world - including Malaysia, China and India – have already
taken on these principles and used them to revamp their Co-operative legislation. Most recently
Sri Lanka has been going through a Co-operative policy development process and we hope it
culminates in a framework policy that can facilitate the advancement of Co-operatives.
In the ILO we are keen to understand and support the progress on the advancements achieved
in the legal and policy realms in line with the provisions of Recommendation 193 and call
upon the Co-operative movement to continue to use it actively.
Statistics in Co-operatives
To really engage with and influence policymakers, it is more important than ever to present
solid evidence and tangible results. Statistics therefore have a vital role to play in demonstrating
the contribution that Co-operatives can make to improving livelihoods and generating decent
employment.
At the most recent International Conference of Labour Statisticians, held in Geneva two months
ago, a resolution was passed calling for developmental work on the measurement of Cooperatives and for a progress report to be ready for discussion at the next International
Conference of Labour Statisticians.
A critical area of engagement over the coming years will be to work with Co-operative
researchers and institutions to identify the types of indicators needed to show the Co-operative
76
RESOLUTION & REPORT
advantage and to build on the work which has already been done through government and
Co-operative associations’ registrars and a number of surveys.
The Co-operative registrars and their engagement in this process of ensuring globally
comparable statistics on Co-operatives is critical. The process of working on statistics on Cooperatives will, needless to say, include dialogue between users and producers of statistics.
Closing remarks
Ladies and gentlemen, the Co-operative movement has always represented an alternative
way of doing business which puts human and social interests at the forefront and has long
been at the forefront of promoting the ILO’s core labour standards.
Co-operatives are and will continue to be an important channel for bridging market values
and human values. Set within an agreed framework for inclusive growth, Co-operative ideals
and Co-operative organization are effective vehicles in meeting their people-centred objectives.
The ILO stands ready to support you in making sure that this continues to be the case, and
that the Co-operative movement can act as a beacon for corporate social responsibility,
improved labour standards in supply chains across the Asia-Pacific region. We remain closely
engaged in supporting your work as you advance with the implementation of the ICA AsiaPacific Strategic objectives agreed in Kobe last year.
Finally, let me recognize the fact that Co-operatives are schools of democracy, they promote
dialogue, consultation and negotiation. They are a powerful way of organizing and providing
voice to many small economic and social actors that often do not have other ways of coming
together. In this way they are an important channel to strengthen social dialogue, as they are
often linked to both employers and workers organizations.
To end let me thank our Malaysian hosts for their warm hospitality and for leading the
organization of this Conference. I would like also to extend my thanks and appreciation to the
organizers and all the workers who have contributed to the preparations of this event.
Thank you for your attention and best wishes for a fruitful and successful conference.
RESOLUTION & REPORT
77
Statement By
Datuk Nik Ali Bin Mat Yunus
Executive Chairman
Malaysia Co-operative Societies Commission (MCSC)
“Malaysian Co-operative Legislation”
BismillahirRahmanir Rahim
As-salamualaikum Warahmatullahi Wabarakatuh and Good Morning
Excellencies,
Distinguished Delegates and Guests,
Ladies and Gentlemen,
1. In tandem with globalisation process, the future direction of the co-operative sector lies
in its ability to provide support to the domestic economy to be more dynamic, efficient,
competitive and sustainable in facilitating the economic transformation process.
Co-operativesector should continue to be relevant in pursuing the Government policy and
objectives towards achieving socio-economic development and government transformation
programme. In achieving these objectives, the role of the co-operative movement is very
significant to accommodate the legislative and regulatory framework for the Malaysian cooperative sector.
In 1922, co-operatives were introduced in Malaysia to address the issue of credit indebtedness
and deficit spending among rural community and government employeesattributed to rising
cost of consumer goods and services.The first Co-operative Societies Enactment Act 1922 was
introduced in June 1922 with the purpose to encourage thrift, self-help and co-operation
among farmers and general workers. The aforesaid Act later was revised in 1983 and
subsequently in 1993 known as The Co-operative Societies Act 1993. In 2007 the aforesaid
Act was amended in line with the establishmentMalaysia Co-operative Societies Commission.
Malaysia Co-operative Societies Commission (MCSC) was establishedon 1 January 2008 under
the Malaysia Co-operative Societies Commission Act 2007 with the followingobjectives:
78
RESOLUTION & REPORT
(i)
to foster sound and orderly development of co-operative societies and co-operative sector
in accordance with co-operative values and principles to contribute towards achieving
the socio-economic objectives of the nation;
(ii) to promote a financially sound, progressive and resilient co-operative sector; and
(iii) tomaintain confidence in the co-operative movement.
2. To date we have seen significant progress and development in Malaysian co-operative
sector as they are consistently supportedand recognised by the Government. In this
connection, the second National Co-operative Policy (2011-2020) spearheading the cooperative growth which charts the direction for the development of co-operatives through
five strategic thrusts namely:
(i)
participation in high value economic sectors;
(ii) strengthening capacity and capability;
(iii) human capital development;
(iv) improving public confidence; and
(v) strengthening co-operatives through effective supervision and enforcement.
3. Malaysian co-operativesector entrusted to participate in transformation programmes
such as Small Retailer Transformation Programme (TUKAR) which was an initiative to modernize
traditional sundry retail shops into modern outlets. As at 30 June 2013, 291 co-operatives’
sundry shops have been transformed to modern outlets. The co-operatives have also ventured
into high impact and high income businesses like franchise and distributive trade whichinclude
wholesale and financial services such as Islamic pawn broking or more commonly known in
Malaysia as Ar-Rahnu.
4. The introduction of the Coop 1Malaysia product by MCSC through Koperasi
PermodalanFelda Berhad offers a systematic supply chain management with reduction of price
ranging from 30% to 40% compared to othernormal retailers in line with the government
policy to help reducethe burden of low income group particularly in rural areas. Besides this,
asubstantial number of Malaysian co-operatives provide microfinancingfacilities to small and
medium enterprises, while selected co-operatives in the rural areas are given tasks to uplift
the economic and social standard of the community.
5. These initiatives complements the objective of the second National Co-operative Policy
and expected to generate business turnover of about USD10.3 billion to the Malaysian Gross
RESOLUTION & REPORT
79
Domestic Product (GDP) in 2013. As outlined in the second National Co-operative Policy,
targeting to achieve USD15.6 billion in turnover by the year 2020,the expected outcome would
also support Malaysia’s transition to become a high income economy by 2020.
6. Malaysian co-operatives have ventures in various economic activities such as financial
services, agriculture, housing development, construction, transportation and services. It has
extensive and well spread memberships from every segments of society. As at end of June
2013, there are 10,578registered co-operatives with memberships of 7.6million. Thetotal assets
recorded atUSD33.4billion.Based on Malaysian population of 29 millionin 2013,
approximately25 percent of its population are co-operative members. It is interesting to note
that there arealso increasing number of co-operatives dominated by women and youth with
diversified businesses. Among others, there are co-operatives of women and single
mothersventuring in health spa, handicrafts,tailoring and retailbusiness.
7. At the same time studentsin school and higher learning institutions have also been active
in co-operatives, venturing in small entrepreneurships such as management of school mini
mart, laundry services, cafeteria and tourism industry. These will contribute to the income
generation programme that will eventually complement the economic growth of the country.
8. After 56 years of independent Malaysian co-operative societies are able to venture into
various economic activities asthey are encouraged by the government through the introduction
of various incentive schemes such as grants, soft loan and training programme. These can be
reflected through micro-financingactivities such asIslamic pawn broking or Ar-Rahnu.
9. In the area of legal aspect, necessary provisions in the legislation for co-operatives are
constantly reviewed to ensure co-operatives become moreadaptablewith the business
environment and globalisation. Guidelines and directives have been issued from time to time
to facilitate sound and orderly development of the co-operative sector. In complementing the
quality of regulatory system,Malaysia Co-operative Societies Commission is reviewing the Cooperative Societies Act 1993 to meet the target outlined in the second National Co-operative
Policy. In this regard, Malaysia Co-operative Societies Commission is also undertaking
Regulatory Impact Analysis (RIA), an essential feature of sound regulatory practicethat would
examine the likely impact of a proposed regulations to meet their business requirements.
10. The accommodative co-operative regulatory framework enables a healthy growth of the
co-operative sector to keep pace with the challenges or forces beyond the co-operative
obstacles. At the same time the co-operatives regulatory framework enables to safeguard
80
RESOLUTION & REPORT
the co-operative principles and philosophies as well as to protect the interests of co-operative
members.
11. To conclude this statement, I would like to reiterate that the Government throughMalaysia
Co-operative Societies Commission would continue to provide effective regulatory framework
and development support to ensure Malaysian co-operative sector would achieve the target
as outlined in the second National Co-operative Policy by the year 2020.
Thank You.
RESOLUTION & REPORT
81
Speech by
Dr. Chandra Pal Singh Yadav
Vice Chairman, ICA-Asia Pacific
First of all, on behalf of ICA-AP, I extend a hearty welcome to all the distinguished guests and
participants, especially, H.E. Mr. Dato Hasan bin Malek, Honourable Minister of Domestic Trade,
Co-operatives and Consumerism (MDTCC), Government of Malaysia and Mr. Datuk Nik Ali bin
Mat Yunua, Executive Chairman, Malaysian Co-operative Societies Commission to this historic
1st Asia Pacific Co-operative Registrars Conference. I also extend my heartfelt thanks and
appreciation to ANGKASA for hosting and making excellent arrangements for organising this
important event.
Friends, as you are aware that the 9th Asia Pacific Co-operative Ministers Conference held in
February 2012 in Thailand has urge upon the governments to formulate a new policy and
legal framework, on the basis of ICA principles, by initialising a comprehensive review of Cooperative laws and policies to enact a common Co-operative code defining government Cooperative relationship. In order to review and follow-up on the progress of action taken on
the declaration and recommendation of the 9th Asia Pacific Co-operative Minister’s Conference
and to address legal, policy and regulatory issues impacting over all governance and support
of Co-operatives in the region, the conference has been organised by ICA-AP. Co-operative
Registrars are the central and very important government authorities who are actually
responsible for formation, development and dissolution of Co-operative societies. The forum
will explore advantage of the system of Registrar/Regulators as support system for
strengthening of the Co-operatives.
Co-operatives Movement in India has already completed more than one century eventful
years and through its long period, this movement has carved out a niche for itself in various
important sectors of Indian economy reflected by credit and banking, fertilizers, sugar, dairy,
marketing, housing, handloom and fisheries etc. they are associated with over 5 lakh Cooperative societies along with 230 million members. Dr. Rajendra Prasad when taking oath as
the First President of India at the Durbar Hall in Government House on 26th January, 1950
declared that, “We must dedicate to realize the dream of establishing a classless Co-operative,
free and Happy Society”.
82
RESOLUTION & REPORT
The laws generally provide for registration of both primary co-ops and secondary co-ops. The
laws provide that the objective of the co-op should be to promote economic interest of
members or interest of society at large in accordance with co-op principles. While some state
laws clearly list out the co-op principles, others do not. The MSCS Act 1984 not only lists out
the co-op principles but also specifies that a multi state society shall promote the economic
and social betterment of its members based on mutual aid.
Co-op Law has to essentially deal with people who are unsophisticated. As such, the law
necessarily has to be simple and drafted in a style, which is easily understandable by the
people for whom it is meant. Instead of being simple, co-op law today has become virtually a
legal jungle.
While Co-op Law in one, Co-operatives are many and different, varying in size and in the
nature of activities pursued. Added to this, every co-op functions in its own unique sociocultural setting. Hence, co-op Law should be flexible to ensure its relevance to all types of coops of all shades and sizes in the state.
In India the first Co-operative Societies Act was enacted in 1904 as per the recommendation
of Sir Edward Law Committee Report. Prior to this Act, all the Co-operative Societies were
registered either under the Indian Company Act 1882 or the Societies Registration Act 1860,
which are not based on Co-operative principles, practice or ideologies. This Act was necessitated
to take the Co-operatives out of the purview of the general law and to confer special privileges
and facilities to encourage their formation. Later on in 1912 new Act was passed by removing
many defects of Co-operative credit Societies Act 1904.
On the recommendation of the Montaque Chelmsford Reforms Act of 1919, Cooperation
became a State subject. Provincial governments were empowered to pass Co-operative Act
within their own territories. This process in due course led to the enactment of several Cooperative Legislation roughly numbering 20.
The break of Second World War lead to the enactment of Multi Unit Co-operative Societies
Act 1942 with an object to cover societies not confined to a single state. Later on this Act was
replaced by the Multi State Co-operative Societies Act 1984 which was based on the
recommendation of the Committee constituted by Govt. of India. This Act brings all such
societies under the purview of the Central Act.
To face the rigours of globalisation, Govt. of India has put in place an enabling environment
through an appropriate policy frame reflected by National Co-operative Policy and an amended
Multi State Co-operative Societies Act 2002. This policy frame aims at providing for necessary
support, encouragement and assistance for ensuring that Co-operatives work as autonomous,
self reliant and democratically managed institutions accountable to their members particularly
RESOLUTION & REPORT
83
in areas which require people’s participation and community efforts. This policy also seeks to
amend/remove provisions of Co-operative legislation providing for restrictive and regulatory
regime.
In 1991, Ch. Brahm Prakash Committee appointed by Planning Commission of India formulated
a Model Co-operative Law to be adopted by central and state governments to ensure
autonomous functioning of Co-operatives. While Central Government amended Multi State
Co-operative Act keeping in view the recommendations of the Committee, situation in the
states did not change much and the hold of the state governments on Co-operatives continue.
Some of the prominent co-operators also expressed opinion that with a view to enable Cooperatives to compete at the market place, there should be a law which has been brought by
the Central Government in the name of producers Company Law. However, the majority of
Co-operatives have not been in a favour to bring Co-operatives under and company law.
Another important trend in the field of Co-operative legislation reforms has been enactment
of separate law for self reliant Co-operatives which do not take any assistance from the
government. Thus, there are four types of Co-operative laws prevailing in the country viz.,
Multi State Co-operative society Law for Co-operatives whose area of operation is more than
one state. State Co-operative Laws, Producer Companies Law and Self Reliant Co-operative
Law. There is a need to bring out cohesive integration in Co-operative legislation framework
or else it will lead to confusion among the people for promoting Co-operatives.
Legislative reforms could not fully succeed in addressing the issue of ensuring autonomy to
Co-operatives. While both the parallel Co-operative laws and law relating to information of
PCCs touched only a small fraction of Co-operatives, the large majority of Co-operatives who
remained under the traditional law remained more or less untouched by the reforms. Without
adequate push for reforms from within the movement, it was once again left to the policy
makers to fast track reforms, this time through constitutional change.
The Government of India has come out with a positive legal environment by enacting the 97th
constitutional Amendment Act. Most of the states have also amended their state acts
incorporating the provision of this constitutional Act and other are in the process of doing so.
As per 97th Constitutional Amendment Act 2011 citizens now have the fundamental right to
form co-operative societies to promote voluntary formation, autonomous functioning,
democratic control and professional management of Co-operative societies.
The laws framed by States for incorporation, regulation and winding up of Co-operative societies
should be based on the principles of voluntary formation, democratic member control, member
economic participation and autonomous functioning of Co-operatives.
In Asia Pacific region, the enactment of Co-operative Code 2009 in Philippines containing the
84
RESOLUTION & REPORT
seven ICA principles of Co-operative Identity and laying down elaborate rules and procedures
for specialised co-operative activities in 20 sectors, e.g. agriculture and fisheries and the Cooperative Amendment Act 2009 of Bhutan and the Co-operative policy reforms measures in
Sri Lanka, inclusion of the Right to form co-operatives as a fundamental right in the list of
Fundamental Rights in the Constitution of India, the Co-operative Development Plan 20112016 of Philippines, the Iranian Plan to raise the share of the Co-operatives in the national
GDP from the present 9% to 25% by 2020, the Japanese Basic Plan for food and agriculture
and rural areas for ensuring food security and the important role assigned to co-operatives in
the national effort may be rightly viewed as outcomes of the advocacy of ICA-AP.
The reported decision of the Government of Sri Lanka to formulate a National Co-operative
Policy and to enact a new Co-operative Act is a positive development. Similar steps have been
initiated by the Government of Nepal. Under the amended Co-operative law of Bhutan,
membership to insurance Co-operatives is open to socially oriented Non-profit organisation.
The brief review of Co-operative laws and policies reflect that law/policies of most countries
are at the most partially ICA Principles complaint as only few country laws/policies such as
those of Japan, Philippines, Bhutan, Korea, Thailand and Malaysia contain legal provisions and
institutions designed to promote growth of professionally managed and viable Co-operatives
covering diverse and expanding sectors. The ICA may take up this issue in its continuing
government Co-operative dialogue and carry out country specific Co-operative sector reviews.
In its Promotion of Co-operatives Recommendation, 2002 (ILO Recommendation 193) the
International Labour Organization recommends (amongst other things):
(1)
Government should provide a supportive policy and legal framework consistent with
the nature and function of co-operatives and guided by the Co-operative values and principles.
(2)
The promotion of Co-operatives as one of the pillars of national and international
economic and social development.
(3)
The Government should facilitate access of Co-operatives to support services,
investment, finance and credit.
The ICA has launched a blue print for a Co-operative decade and legal framework has been
conceived as one of the five pillars recognising the unique legal framework for the Co-operative
model which brings people together to undertake a business that is accountable, commercial
and resilient and to work towards their mutual, long term financial independence.
Over much of the last century Co-operative in many developing economies despite very
different ideological, political and colonial background were subjected to similar legal
framework through which management was accountable to the states rather than members.
RESOLUTION & REPORT
85
By 1970s, the State dominated Co-operative development model reached its peak and the
Registrar was empowered to appoint, remove, direct and dissolve Co-operatives and also to
serve as an adjuratory body for all disputes. In such a scenario, the legal framework often lake
the legal rights of other private business. Co-operatives in developing countries needed the
guided help of their government to further their development and thus sacrifice the principle
of democratic control in favour of powerful government/authority. However, the conscious
now shifted and a general view is that government control of Co-operatives does more harm
than good. The new conscious emphasises autonomy from government control and removal
from barriers to Co-operative enterprises in all sector of economy. I am of a very strong view
that the legal and regulatory system should (1) protect the democratic control of Co-operatives
by vesting control of the organisation in its members, (2) protect the autonomy and
independence from the government, (3) protect and promote responsibility of the membership
and contribute equitably and democratically control the capital of Co-operatives.
To promote the equitable treatment of Co-operatives, I believe that the legal and regulatory
system should (1) be no less advantageous to Co-operatives than to other business of the
same sector while protecting and be sensitive to the mutuality of Co-operatives, (2) provide
reasonable accommodation and incentive wherever appropriate that enable Co-operative
forms of business to operate within a sector. It is important that regulatory disadvantages are
minimize and Co-operative receives equitable treatment viz a viz other business and to secure
this I prescribe following broad principles and urge upon the delegates to deliberate on (1) the
legal and regulatory should be simple, practicable and efficient minimizing bureaucratic delay
and obstruction to business organisation and should avoid duplication and obstruction of
other laws, (2) accord due process of law including applicable rights to hearing, representation
and impractical appeal for decision of the sate that impact Co-operatives/its members and (3)
administered the role of the state in law enforcement, dispute resolution, licence and
promotion in a manner that avoid duplication, undue influence and minimize conflicts of
interest.
With these suggestions I wish the Conference a big success.
THANK YOU.
86
RESOLUTION & REPORT
LIST OF PRESENTERS
Registrars of Co-operative Societies and Government representatives
SUB THEME:
ENABLING LEGAL FRAMEWORK FOR DEVELOPMENT OF CO-OPERATIVES
•
•
•
•
•
•
•
•
Registrars’ of Co-operative Societies and Government representatives
Mr. Kedar Newpane, Registrar, Department of Cooperatives, Nepal
Dr. Emmanuel S. Santiaguel, Chairperson, Co-operative Development Authority,
Philippines
Dr. W. H. Karunarathne, Commissioner of Cooperative Dev. and Reg. of Cooperative
Societies, Department of Cooperative Development, Sri Lanka
Datuk Nick Ali Bin Mat Yunus, Executive Chairperson, Malaysia Co-operative Societies
Commission, Malaysia
Mr. Salekan, Assistant, Deputy of Organisational and Legal of Law Coop EnterprisesMinistry of Co-operatives and Small Medium Enterprises, Indonesia
Mr. Dorji Dhradhul, Director & Registrar, Department of Agricultural Marketing and
Cooperatives, Ministry of Agriculture and Forests, Royal Government of Bhutan
Mr. Low Puk Yeong Senior Director, Registry of Co-operative Societies, Singapore
RESOLUTION & REPORT
87
Co-operative Leaders
SUB THEMES:
STRENGTHENING PRIMARY CO-OPERATIVES WITH BUSINESS/SECTOR SPECIFIC BY-LAWS
ENSURING FINANCIAL SUSTAINABILITY OF PRIMARY CO-OPERATIVES
THROUGH ENABLING REGULATIONS AND BY-LAWS
ENABLING CO-OPERATIVE REGULATIONS TO ENCOURAGE ACTIVE
PARTICIPATION OF WOMEN AND YOUTH IN CO-OPERATIVE BUSINESS
•
•
•
•
•
•
•
•
•
•
•
•
88
Mr. Jose Romeo B. Ebron, Chairperson, NATCCO, Philippines
Mr. Vitoon Naewpanit, Chairman, CLT, Thailand
Mr. Takuo Ichiya, Manager, International Cooperation Division, JA Zenchu, Japan
Mr. Hoang Van LONG, Director of Information and Communication Dept., VCA, Vietnam
Mr. Agung Sujatmoko, Vice President of DEKOPIN
Dato’ Haji Aliasak bin Haji Ambia, Vice President, ANGKASA, Malaysia
Mr. Kyaw Mya Khine, Vice Chairman, Central Co-operative Society Ltd., Myanmar
Dr. Dinesh, Chief Executive, NCUI
Mr. Zhang Wangshu, Director for International Cooperation, ACFSMC, China
Ms. LEE Heehan, Vice Chairperson, iCOOP, Korea
Mr. Chan Tee Seng, Chairman, SNCF, Singapore
Mr. Saroj Sharma, NCDB, Nepal
RESOLUTION & REPORT
PANEL DISCUSSION
THEME:
GUIDELINES FOR FORMULATING BY-LAWS OF PRIMARY CO-OPERATIVES
•
•
•
•
•
Mr. Agung Sudjatmoko, Vice President, DEKOPIN, Indonesia
Mr. Ge Shuyuan, Malaysia Business Office, ICA Asia and Pacific
Dr. Chan Ho Choi, Regional Director, ICA Asia and Pacific
RESOLUTION & REPORT
89
LIST OF PARTICIPANTS
(Registrars and Representatives)
- Mr. Dorji Dhradhul, Co-operative Registrar/Director, Department of Agricultural Marketing
and Co-operatives, Thimphu, BHUTAN
- Mr. Md Serudin Haji Tuah, Acting Assistant Commissioner, Co-operative Development
Division, BIDA, Brunei Darussalam, BRUNEI
- Mr. A. Hashim Tuah, Head of Co-operative Development Center, Ministry of Industry and
Primary Resources, BRUNEI
- Mr. Salekan, Assistant Deputy of Organisational and Legal Law Co-operative, Ministry of
Co-operative and Small and Medium enterprise, Jakarta, INDONESIA
- Mr. Roni Indrawan, Assistant Deputy of Co-operative Management, Ministry of Co-operative
and Small and Medium enterprise, Jakarta, INDONESIA
- Ms. Eunae Jung, Deputy Director, Co-operative Policy Division, Ministry of Strategy and
Finance, Sejong, Republic of KOREA
- Ms. Minjung Suh, Deputy Director, Growth Policy Division, Ministry of Strategy and Finance,
Sejong, Republic of KOREA
- Mr. Taeho Kim, Researcher, Co-operative Management Division, Ministry of Strategy and
Finance, Sejong, Republic of KOREA
- Dr. Akhom Praseuth, Director General, Bank of the Lao PDR, Financial Institution Supervision
Department, Vientiane, LAOS PDR
- Datuk Nik Ali Bin Mat Yunus, Executive Chairman, Malaysian Co-operative Societies
Commission (MCSC), Kuala Lumpur, MALAYSIA
- Hajah Hawa Mohd. Salleh, Deputy Executive Chairman, Malaysian Co-operative Societies
Commission (MCSC), Kuala Lumpur, MALAYSIA
- Datin Hajah Zuraidah Binti Hasni, Director, Extension & Promotion Division, Malaysian Cooperative Societies Commission (MCSC), Kuala Lumpur, MALAYSIA
- Mr. Kedar Newpane, Registrar, Department of Co-operatives, Kathmandu, NEPAL
- Dr. Emmanuel M. Santiaguel, Chairman, Co-operative Development Authority, Quezon
City, PHILIPPINES
- Mr.Low Puk Yeong, Senior Director, Registry of Co-operative Societies and Mutual benefit
Organsiations, Ministry of Culture, Community and Youth , SINGAPORE
- Ms Du Xiao Yu, Manager, Registry of Co-operative Societies and Mutual benefit
Organsiations, Ministry of Culture, Community and Youth , SINGAPORE
- Mr. Wijerathna Haluge Karunarathana, Commissioner of Co-operative Development and
Registrar of Co-operative Societies, Colombo, SRI LANKA
90
RESOLUTION & REPORT
(Co-operative Leaders)
- Mr. Limin Wang, President & Secretary General, Supply & Marketing Coop System Branch
of China Quality Asson., CHINA
- Mr. Zhang Wangshu, Director, Int’l Cooperation Dept., All China Federation of Supply and
Marketing Coops, Beijing, CHINA
- Mr. Yang Cao, Program Officer, All China Federation of Supply and Marketing Coops
(ACFSMC), Beijing, CHINA
- Ms. Weiping Kang, Executive Secretary, Finance and Accounting Department, ACFSMC,
Beijing, CHINA
- Dr. Chandra Pal Singh Yadav, President, National Co-operative Union of India (NCUI), New
Delhi, INDIA
- Dr. Dinesh, Chief Executive, National Co-operative Union of India (NCUI), New Delhi , INDIA
- Mr. Ilham Nasai, Chief of International Department , The Indonesian Co-operative Council,
(DEKOPIN), Jakarta, INDONESIA
- Mr. Takuo Ichiya, Manager, International Co-operation Division, Central Union of Agricultural
Co-operatives, JA Zenchu, Tokyo, JAPAN
- Ms. Kanako Miyazawa, Staff of International Department, Japanese Consumers’ Cooperative Union (JCCU), Tokyo, JAPAN
- Ms. Yuki Nishimoto, Staff of International Department, Japanese Consumers’ Co-operative
Union (JCCU), Tokyo, JAPAN
- Ms. Heehan Lee, Vice Chairperson, iCOOP, Korea, Seoul, Republic of KOREA
- Ms. Juhee Lee, External Co-operation Team, iCOOP, Korea, Seoul, Republic of KOREA
- Mr. Shil Kwan Lee, Former Regional Director, ICA – Asia and Pacific, Seoul , Republic of
KOREA
- Dato’ Hj. Abdul Fatah Hj. Abdullah, President, Malaysian National Co-operative Movement
(ANGKASA), Selangor, MALAYSIA
- Haji Mutadho Bahri, Deputy President, Malaysian National Co-operative Movement
- Datuk Haji Mohamad Ali Hasan, Vice President, Malaysian National Co-operative Movement
- Haji Kamarudin Ismail, Vice President, Malaysian National Co-operative Movement
- Tan Sri Dato Haji Alimmuddin Hj. Mohd. Dom, Vice President, Malaysian National Cooperative Movement (ANGKASA), Selangor, MALAYSIA
- Dato Haji Aliasak Haji Ambia, Vice President, Malaysian National Co-operative Movement
- Mr. Haji Nasir Khan Yahaya, Chief Executive Officer, Malaysian National Co-operative
Movement (ANGKASA), Selangor, MALAYSIA
- Mr. Kyaw Mya Khine, Vice Chairman, Central Co-operative Society Limited (CCS), Yangon,
MYANMAR
RESOLUTION & REPORT
91
-
Mr. Min Lwin, General Manager, Central Co-operative Society Limited (CCS), Yangon,
MYANMAR
Mr. Saroj Kumar Sharma, Co-Chairperson, National Co-operative Development Board
(NCDB), Lalithpur, NEPAL
Mr. Krishna Prasad Dahal, National Co-operative Development Board (NCDB) , Lalithpur,
NEPAL
Mr. Jose Romeo B. Ebron, Chairperson, National Confederation of Co-operatives (NATCCO)
Quezon City, PHILIPPINES
Mr. Chan Tee Seng, Chairman, Singapore National Co-operative Federation (SNCF) ,
SINGAPORE
Mr. Vitoon Naewpanit, Chairman, The Co-operative League of Thailand (CLT), Bangkok,
THAILAND
Mr. Phanuwat Wanraway, Head of International Affairs, The Co-operative League of Thailand
(CLT), Bangkok, THAILAND
Mr. Hoang Van Long, Director of Information and Communication Department, Vietnam
Co-operative Alliance (VCA), Hanoi, VIETNAM
(Parliament member)
- Mr. Cresente C. Paez, Chairman, Committee on Co-operative Development, House of
Representatives, Quezon City, PHILIPPINES
International Organizations)
- Mr. Ranjith Hettiarachchi, Chief Executive Officer , Association of Asian Confederation of
Credit Unions (ACCU), Bangkok, Thailand
- Mr. Maurizio Bussi, Director, ILO Decent Work Technical Support Team for East and SouthEast Asia and the Pacific, International Labour Organization (ILO), Bangkok, Thailand.
- Mr. Hyungsik Eum, Data Analyst, International Organisation of Industrial, Artisanal & Service
Providers Co-operatives,(CICOPA), Brussels, Belgium
- Dr. Chan Ho CHOI, Regional Director, International Co-operative Alliance (ICA) Asia and
Pacific (ICA-AP), New Delhi, India
- Mr. K. Sethu Madhavan, Manager- Planning & Membership, International Co-operative
Alliance (ICA) Asia and Pacific (ICA-AP), New Delhi, India
- Mrs. Savitri Singh, Advisor-Gender Progams & Communications, International Co-operative
Alliance (ICA) Asia and Pacific (ICA-AP), New Delhi, India
- Mr. P. Santosh Kumar, Program Officer, International Co-operative Alliance (ICA) Asia and
- Mr. Rangan Dutta, Principal Consultant, International Co-operative Alliance (ICA) Asia and
- Dr. Mohamed Shafari Yaakub, Head, ICA-AP Malaysian Business Organisation (MBO),
Selangor, Malaysia
92
RESOLUTION & REPORT
-
Mr. Ge Shuyuan, Manager, ICA-AP Malaysian Business Organisation (MBO), Selangor,
Malaysia
Mr. Seung Min Lee, ICA-AP Malaysian Business Organisation (MBO), Selangor, Malaysia
(Observers from Malaysia)
- Ms Wan Nurshahida Binti Wan Shamsuri, Ministry of Domestic Trade, Co-operative and
Consumerism
- Mr. Abas Bin Abu Bakar, Malaysian Co-operative Societies Commission (MCSC)
- Dato’ Abdullah Bin Mahmood, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Alias Anak Ilai, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Aminudin Bin Yahya, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Badrishah Bin Hasan, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Chiew Seng Hin, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Dedi Irwan Bin Aliyunis, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Gerald Prem Kumar D Geoffrey, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Hamidun Bin Abdul Fatah, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Hamudi Bin Mat Hassan, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Hanim Binti Abdul Rahman, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Hasmawati Binti Muhamad, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Husin bin Malek, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Ishak Bin Samdin, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Juliawati Janius, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Marcellinus Bin Andreas, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Marina Binti Maaris, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mat Deris Bin Jusoh, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Meriam Mat Nor, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mohamad Jaapar Bin Muhayat, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mohamad Kamil Bin Hassan Hilmi, Malaysian Co-operative Societies Commission
(MCSC)
- Mr. Mohd Amin Bin Salih, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mohd Izwan Bin Khairuddin, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mohd Rossali Bin Morsalin, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mohd Sohaimi Bin Abd Rahman, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Mohd Yusof Bin Khalid, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Najmah Binti Nawawi, Malaysian Co-operative Societies Commission (MCSC)
- Mr. Nojim Anak Nyibu @ James Nojim, Malaysian Co-operative Societies Commission
(MCSC)
- Mr. Nor Azam Bin Md Salleh, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Norlelah Binti Samsudin, Malaysian Co-operative Societies Commission (MCSC)
- Ms. Normah Binti Ali, Malaysian Co-operative Societies Commission (MCSC)
RESOLUTION & REPORT
93
-
94
Mr. Rafiai Bin Hashim, Malaysian Co-operative Societies Commission (MCSC)
Mr. Saiful Bahri Bin Omar, Malaysian Co-operative Societies Commission (MCSC)
Ms. Siti Azlin Binti Ahmad Dauta, Malaysian Co-operative Societies Commission (MCSC)
Ms. Siti Noor Shafidah Binti Wahi, Malaysian Co-operative Societies Commission (MCSC)
Mr. Shahrizan Bin Abdullah, Malaysian Co-operative Societies Commission (MCSC)
Ms. Tan Chu Lan, Malaysian Co-operative Societies Commission (MCSC)
Mr. Wan Abdul Halim Bin Wan Abdul, Malaysian Co-operative Societies Commission (MCSC)
Mr. Zahari Bin Omar, Malaysian Co-operative Societies Commission (MCSC)
Mr. Zainuddin Bin Ali, Malaysian Co-operative Societies Commission (MCSC)
Mr. Zakaria Mat Jusoh, Malaysian Co-operative Societies Commission (MCSC)
Ms. Zuhainita Binti Ujud, Malaysian Co-operative Societies Commission (MCSC)
Mr. Abd Halim Bin Mahmud, Malaysian National Co-operative Movement (ANGKASA)
Dr. Ainuddin Bahari, Malaysian National Co-operative Movement (ANGKASA)
Mr. Anuar Bin Bulin, Malaysian National Co-operative Movement (ANGKASA)
Dato’ Abdul Aziz Bin Abdullah, Malaysian National Co-operative Movement (ANGKASA)
Mr. Abdul Aziz Bin Mohamad Yunus, Malaysian National Co-operative Movement
(ANGKASA)
Mr. Azenan Bin Ab Rasad, Malaysian National Co-operative Movement (ANGKASA)
Ms. Aziah Bin Talib, Malaysian National Co-operative Movement (ANGKASA)
Mr. Che Mahalim Bin Che Hashim, Malaysian National Co-operative Movement (ANGKASA)
Dato’ Che Mohd Shukree Bin Che Isa, Malaysian National Co-operative Movement
(ANGKASA)
Mr. Hasnan Bin Mustapha, Malaysian National Co-operative Movement (ANGKASA)
Dato’ Ismail Nordin, Malaysian National Co-operative Movement (ANGKASA)
Mr. Jamudin Bin Idris, Malaysian National Co-operative Movement (ANGKASA)
Mr. Jusoh @ Mohd Yusoff Bin Daud, Malaysian National Co-operative Movement
(ANGKASA)
Mr. Mansor Bin Ab Rahman, Malaysian National Co-operative Movement (ANGKASA)
Mr. Mohamad Azmi Bin Omaruddin, Malaysian National Co-operative Movement
(ANGKASA)
Mr. Mohamed Jais Bin Hasan, Malaysian National Co-operative Movement (ANGKASA)
Mr. Mohamad Shah Bin Haji Lasim, Malaysian National Co-operative Movement (ANGKASA)
Mr. Mohammad Fariq Bin Rojuli, Malaysian National Co-operative Movement (ANGKASA)
Mr. Mohammad Zamri Bin Yaacob, Malaysian National Co-operative Movement (ANGKASA)
Mr. Mohd Safian Bin Abdul Rahman, Malaysian National Co-operative Movement
(ANGKASA)
Mr. Muslim Bin Md Shah, Malaysian National Co-operative Movement (ANGKASA)
Mr. Nik Rashid Bin Ismail, Malaysian National Co-operative Movement (ANGKASA)
Mr. Noorashidi Nazari, Malaysian National Co-operative Movement (ANGKASA)
Ms. Noraini Binti Salleh, Malaysian National Co-operative Movement (ANGKASA)
RESOLUTION & REPORT
-
Ms. Norlaili Binti Mohammed Yatin, Malaysian National Co-operative Movement
(ANGKASA)
Ms. Nur Fadzillah Binti Ramli, Malaysian National Co-operative Movement (ANGKASA)
Ms. Rohimah Binti Ramli, Malaysian National Co-operative Movement (ANGKASA)
Ms. Rosmawati Bin Zul, Malaysian National Co-operative Movement (ANGKASA)
Ms. Salmiah Binti Abdul Rahman, Malaysian National Co-operative Movement (ANGKASA)
Mr. Shafiee Bin Ali, Malaysian National Co-operative Movement (ANGKASA)
Mr. Shaharudin Bin Mohd Sa’ad, Malaysian National Co-operative Movement (ANGKASA)
Mr. Sek Ismail V. K. Md Allapichay, Malaysian National Co-operative Movement (ANGKASA)
Mr. Suresh Kumar Kaur Chand, Malaysian National Co-operative Movement (ANGKASA)
Mr. Quzairy Asraf Bin Rosnan, Malaysian National Co-operative Movement (ANGKASA)
Mr. Usuf Bin Samah @ Abu Samah, Malaysian National Co-operative Movement (ANGKASA)
Mr. Zolkefli Bin Othman, Malaysian National Co-operative Movement (ANGKASA)
Mr. Matias Kundapin, Pusat Latihan Koperasi
Mr. Husnaidy Ibrahim, MyANGKASA Holdings Sdn Bhd
Mr. Shaharuddin Bin Mohamad, MyANGKASA Holdings Sdn Bhd
Mr. Asha’ari Bin Arshad, Co-operative College of Malaysia (CCM)
Mr. Mohd Khairil Bin Abd Hadi, Co-operative College of Malaysia (CCM)
Mr. Mohd Safaai Bin Said, Co-operative College of Malaysia
Mr. Mohd Shahron Anuar Bin Said, Co-operative College of Malaysia (CCM)
Ms. Noranita Binti Mohd Nor, Co-operative College of Malaysia (CCM)
Ms. Nor Arma Binti Abu Talib, Co-operative College of Malaysia (CCM)
Ms. Norbiha Binti Kasmuri, Co-operative College of Malaysia
Ms. Norhazilini Binti Abdul Halim, Co-operative College of Malaysia (CCM)
Ms. Norwatim Abd Latiff, Co-operative College of Malaysia (CCM)
Ms. Ruzilah Binti Abd Malek, Co-operative College of Malaysia (CCM)
Ms. Sharifah Suzaida Binti Saedin, Co-operative College of Malaysia (CCM)
Ms. Siti Maimunah Binti Jerni, Co-operative College of Malaysia
Ms. Wani Syahira Binti Abdul Wahid, Co-operative College of Malaysia (CCM)
Dato’ Yusra Bin Sabar, Bank Persatuan
Mr. Mohd Rushdan Bin Mohd Jusoh, Bank Rakyat
Mr. Zolfakrozi Bin Mohammad, Bank Rakyat
Mr. Abdul Jalal Bin Md Nawi, Gabungan Koperasi Pengangkutan Wilayah Tengah Malaysia
Berhad
Mr. Kalaimani Lakshmanan, Gabungan Koperasi Pengangkutan Wilayah Tengah Malaysia
Berhad
Ms. Koo Chai Kuan, Koperasi Jayadiri Malaysia Berhad
Ms. Choong Huey Jing, Koperasi Jayadiri Malaysia Berhad
Mr. Azih Bin Muda, Koperasi Kospeta Semenanjung Malaysia Berhad
Mr. Pissal Bin Abu, Koperasi Kospeta Semenanjung Malaysia Bhd
RESOLUTION & REPORT
95
-
96
Mr. Mazhan Othman Bin Abdullah, Koperasi Ladang Pekebun-Pekebun Kecil Malaysia
Berhad
Mr. Mohd Afzam Bin Adenan, Koperasi Kakitangan Petronas Bhd
Mr. Mohd Safwan Bin Zulmani, Koperasi Kakitangan Petronas Berhad
Ms. Norsalmah Binti Mohamad, Koperasi Muslimin Malaysia Berhad
Mr. Zainuddin Bin Abdul Rahman, Koperasi Putri Terbilang Malaysia Berhad
Mr. Abdul Hajis Bin Yusof, Koperasi Serbaguna Kakitangan MAS Malaysia Berhad
Mr. Roslan Bin Abd Kadir, Koperasi Serbaguna Kakitangan MAS Malaysia Berhad
Mr. Mohd Aminuddin Bin Mohd Ali, Koperasi Serbausaha Makmur Berhad
Mr. Mohd Marzuki Bin Yasoa, Koperasi Tenaga Nasional Berhad
Mr. Zulkefle Bin Ab Rahim, Koperasi Tenaga Nasional Berhad
Mr. Mansor Bin Musa, Koperasi Tunas Muda Sg Ara Berhad
Dato’ Rahim Bin Baba, Koperasi Ukhuwah Malaysia Berhad
Mr. Johari Bin Hassan, Koperasi Universiti Teknologi Malaysia Berhad
Mr. Muslim Bin Jonid, Koperasi Universiti Teknologi Malaysia Berhad
Mr. Azmi Bin Ismail, Koperasi Warga Wawasan Malaysia Berhad
Dato’ Sahadivanaidu Baliah, National Land Finance Co-operative Societies Ltd.
Mr. Jayaseelan Annamalai, National Land Finance Co-operative Societies Ltd.
Lt. Kol. Hamidi Bin Achin, The Malaysian Armed Forces Co-operative Ltd.
Ms. Nurshahilla Binti Ahmad, The Malaysian Armed Forces Co-operative Ltd.
RESOLUTION & REPORT

U - International Cooperative Alliance

Transcription

Similar documents

Excellence in Ag Brochure - Co-op

Welcome to the 19th Annual - Saskatchewan Co

No Sweat - Alberta Views

Slideshow Seminar July 26, 2012

Co-operative movement in Malaysia

E-Zine Issue 6

Citrawarna Malaysia

Brief - Juwita Suwito

PDF - The Co-operative Academies Trust