UCSP Q2 MOD 2 FORMS AND FUNCTIONS OF NON-STATE.pptx

FORMS AND FUNCTIONS OF NON-STATE

1. FORMS AND FUNCTIONS OF NON-STATE INSTITUTION Quarter 2 – Module 2:

2. UN

3. Land Bank of the Philippines

4. Metrobank

5. Petron

6. Smart Corp.

7. D avao Light

8. Do you think these are helpful to the people or to our society? Why? What do you think are the kinds of institutions presented above?

9. Government Governments have put up different institutions that provide services for its people's welfare, such as public works, military and police forces, education, transportation, public works, health services, and other departments and agencies . Similar institutions are utilized by external support agencies as channels for programs and projects intended to benefit the poor. These are non-state institutions that take various forms and have different functions and purposes that greatly impact the people's everyday living and the country's activities as a whole. There are significant numbers of these institutions that promote human rights while others, unexpectedly, commit crimes or even perpetrate violations affecting people's lives and basic freedoms.

10. Non-state institutions Non-state institutions intended to promote the country’s economy

11. Forms of Non-state Institutions

12. 1. Universal and commercial banks 2. The thrift banking system 3. Rural and Cooperative Banks A. Banks B. Corporations

13. a. Credit Cooperative b. Consumer’s Cooperative c. Producer’s Cooperative d. Marketing Cooperative e. Service Cooperative f. Multipurpose Cooperative g. Advocacy Cooperative h. Agrarian Reform Cooperative j. Dairy Cooperative k. Education cooperative C. Cooperatives D. Labor/Trade Unions l. Electric Cooperative m. Fishermen Cooperative n. Housing Cooperative o. Insurance Cooperative p. Water Service Cooperative q. Worker’s Cooperative r. Other types of cooperatives as may be determined by the Cooperative Development Authority (CDA)*

14. A. Banks -Banking institutions are companies, corporations, or associations, or any lawful organizations approved by the government which is engaged in the lending of funds acquired from the general population through the receipt of deposits and the sale of bonds or obligations of any kind (Jimenez 2017, 174). -These also lend money to individuals and business houses that need it. -In our country, Bangko Sentral ng Pilipinas or BSP has the sole authority in monitoring and compiling various indicators on the Philippine banking system and classified banks according to the following:

15. 1. Universal -Universal and commercial banks are banking institutions that grant short term loans and varieties of banking services. This represents the largest group, resource-wise, of financial institutions in the country. -Universal banks offer services, which are wholesale banking, retail banking, and investment banking . Thus, it operates and functions like a commercial and investment bank.

16. 1. Universal Examples of existing universal banks in the country include Banco De Oro (BDO), Bank of the Philippine Islands (BPI), Philippine National Bank, and UnionBank , while commercial banks include East West Bank and Bank of Commerce (Jimenez 2017,175).

17. These are the largest universal and commercial banks in the country by total assets as of December 2019: Top 10 Best Banks in the Philippines as to Assets

18. 2. The thrift banking system These are banks specializing in offering savings accounts and home mortgages for clients . These are sometimes referred to as Savings and Loan Associations (S&Ls). They accumulate savings from depositors, and then invest it. They also provide short-term working capital as well as medium- and long-term financing to businesses.

19. Thrift Bank Group

20. 3. Rural and Cooperative Banks These are the most well-known type of banks in the rural communities. Their role is to promote and expand the rural economy in an orderly and effective manner by providing the people in the rural communities with basic financial services . They help the farmers through the stages of production, from planting to selling of their products. (Jimenez 2017, 175). Rural banks are privately owned and managed ; cooperative banks are organized/owned by cooperatives or federation of cooperatives . Examples: East West Rural Bank Inc., Cantilan Bank Inc (A Rural Bank), and One Network Bank (A Rural Bank).

21. Rural and Cooperative Bank Group

22. B. Corporations -Corporations are legal entities that are independent and distinct from their owners. -These may be non-profit organizations engaged in activities for the public good; municipal corporations, such as cities or towns; or private corporations organized to profit (Kenton, 2020). -Corporations enjoy most of the rights and responsibilities that people have; they can enter agreements, loan and borrow money, sue and be sued, recruit workers, own assets, and pay taxes.

23. B. Corporations -In legal interpretations, a corporation is like a person who has responsibilities and has the power to buy, sell and own property ; it can enter into leases and contracts, and it can even bring lawsuits. It also must pay taxes or, if failed, can be prosecuted or punished if it breaks the law. The leading corporations in the country are SM Prime Holdings, San Miguel Corporation, Ayala Land, SM Investments Corporations, JG Summit, Petron Corporation, Smart Corporations, Nestle, and Meralco.*

24. These financial institutions promote and undertake savings and lending services among their members. These generate common pool of funds to provide financial assistance and other related financial services to their members. Furthermore, each member has a fair share of the risks and benefits of his/her financial undertaking by the agreed cooperative principles, rules, or regulations (Jimenez 2017,177).

25. a. Credit Cooperative -is a financial institution owned and controlled by its members that promote and undertakes savings and lending services . It generates a shared pool of funds to provide financial assistance and other related financial services to its members.

26. b. Consumer’s Cooperative – frequently appears as retail outlet possessed and worked by the consumers , for example, food co-ops. Its primary aim is to procure and distribute goods to its members and even nonmembers.

27. c. Producer’s Cooperative – is a joint production undertaking of all members where they processed products from raw materials to produce goods for sale by the cooperative to its members and nonmembers or their chosen market. All the products made shall be sold in the name and account of the cooperative, shall be considered as products of the cooperative and its members.

28. d. Marketing Cooperative – focuses on supplying goods or production inputs to members and marketing their products .

29. e. Service Cooperative – concerns giving services such as medical and dental care, hospitalization, transportation, insurance, housing, labor, electric light and power, communication, professional and other services.

30. f. Multipurpose Cooperative – is a combination of two or more of the forms of different types of cooperatives . Example of this is Panabo Multi-Purpose Cooperative (PMPC).

31. g. Advocacy Cooperative – is a cooperative focused on advocating cooperativism among its members and the public through socially- oriented projects, education and training, research and communication, and other activities to reach out to its intended beneficiaries.

32. h. Agrarian Reform Cooperative – intends to develop an appropriate system of land tenure, land development, land consolidation and land management which is organized by marginal farmers who are agrarian reform beneficiaries.

33. i . Cooperative Bank – is a cooperative that aims to provide wide range of financial services to its members.

34. j. Dairy Cooperative – has members that are engaged in fresh milk products which may be possessed or marketed as dairy products

35. k. Education cooperative – is organized to own and operate licensed educational institutions without going beyond what is stipulated in RA No. 9155 known as the Governance of Basic Education Act of 2001

36. l. Electric Cooperative – has the purpose of managing the generation and utilization of renewable energy sources and the acquisition and operation of sub-transmission or distribution to household members. Common example of this is the electric cooperative in most provinces like Davao del Norte Electric Cooperative (DANECO).

37. m. Fishermen Cooperative – is organized by fishermen members in localities whose products either as fresh or processed products.

38. n. Housing Cooperative – is a cooperative that aims to provide or assist members who actively participate in the housing savings program to have access to housing provisions. It is controlled and co-owned by its members.

39. o. Insurance Cooperative – aims to venture into the business of insuring life and property of cooperative and their members .

40. p. Water Service Cooperative – is organized to manage water systems’ distribution and operation to distribute potable waters to its members and their households.

41. q. Worker’s Cooperative – is organized by workers who are workers, aiming to provide employment and business opportunities to its members.

42. r. Other types of cooperatives as may be determined by the Cooperative Development Authority (CDA)*

43. D. Labor/Trade Unions These are membership-based organizations created by workers and their leaders who are united to promote, protect their common interest and welfare in their workplace . For example, the same company's banana plantation workers can create their own union to be heard and be given what is due to them, especially during disadvantageous or unfair situations in their workplace.

44. 1. Negotiate agreements with employers on their wage/salary and working conditions 2. Deliberate significant changes to the workplace 3. Discuss members’ concern towards their employers 4. Escort members in disciplinary and grievance meetings 5. Provide legal and financial provisions for members 6. Raise concerns and demands for the members such as free health and insurance benefits, and the like 7. Take collective action to enforce the agreed terms with employers (Jimenez 2017, 178) Trade unions represent their members to accomplish the following, which are the reasons why workers would join:

45. Most of these trade unions are independent of any employer. The Department of Labor and Employment (DOLE) and the National Labor Relations Commission (NLRC) are the government's overseers to ensure the employees' welfare in congruence with what is stated in the Constitution and the Labor Code of the Philippines. Unions are usually independent of their employers, yet sometimes they work closely or take the form of partnership to come up with a collective agreement that will give satisfaction to both of them.

46. a. Collective Bargaining- is the process of negotiating the terms or conditions of employment such as working conditions, rules in the workplace, retirement and health benefits, wage/salary and bonus, and the like between an employer and organization of workers. b. Redundancy- refers to an employee's dismissal from his/her job by the employer to reduce the workforce . If you are being made redundant, you are entitled to receive redundancy pay. Nonmember workers will still enjoy the same protection as it does to union members if a collective bargaining agreement is reached. Employers cannot force workers to join their (employers) preferred union and has no right to deduct payments from the employees in return for union membership without the employees’ approval.