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Business Guide
Setting-up a Cooperative

Cooperative is a duly registered association of persons, with a common bond of interest, who have voluntarily joined together to achieve a lawful common social or economic end, making equitable to contributions to the capital required and accepting a fair share of the risks and benefits of the undertaking in accordance with university accepted cooperative principles.     


By forming a cooperative, you pool your money, human resources and talent to build capital, and work together to produce more goods and raise incomes. Through cooperatives, you can look for the other sources of loans at low interest instead of borrowing from informal lenders or usurers.

Kinds of Cooperatives:   

1. Credit Cooperative - promotes thrift and savings among its members and creates funds in order to grant loans for productive and provident purposes.    
2. Consumer Cooperative - the primary purpose is to procure and distribute commodities to members and non-members.    
    3. Producers Cooperative - undertakes joint productions whether agricultural or industrial.    
4. Marketing Cooperative - engages in the supply of production inputs to members, and markets their products.    
5. Service Cooperative - engages in medical and dental care, hospitalization, transportation, insurance, housing, labor, electric light and power, communication and other services.    
6. Multi-Purpose Cooperative - combines two (2) or more of the business activities of these different types of cooperatives.    
 

DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.     


Registering with the Cooperative Development Authority (CDA)    
- All cooperatives are required to register with the CDA as per Republic Act 6938/6939.    
Register at:    
Cooperative Development Authority    
6/F Benlor Bldg., 1184 Quezon Ave., Quezon City    
Tel. No.: 373-6896    
Steps:    
1. Submit four copies of the Articles of Cooperation    
2. Submit four copies of the By-Laws    
3. Submit four copies of the Economic Survey (feasibility study)    
4. Submit Bond Accountable Officers (Fidelity, Cash, or Surety)    
5. Capitalization not lower than P2,000 (depending on the activities registered)    
6. Minimum of 15 members 

 

Resource: TLRC 

 
Pagpaparehistro ng isang Korporasyon

Ang Corporation ay  pagmamay-ari ng 5 o higit pang katao. It acts as one entity, with powers and liabilities independent of those of its members.

Ang mga advantages ay ang mga sumusunod:

  1. Malaking oportunidad sa paglago
  2. Ang pananagutan ng shareholder ay limitado sa kanyang nilagak  na puhunan (limited liability)
  3. Pagkakaroon ng propesyonal na pamamalakad
  4. Kadalasang matatag, mahirap mabuwag

 

Ang mga disadvantages

  1. Kumplikado ang pagtatayo
  2. Limitado ang impluwensya ng bawat stockholder sa Management
  3. Maaring magkaroon ng burukrasya o pamahalaan ng iilang tao

 

 The Steps in Business Registration:      
1. DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.     


2. SECURITIES and EXCHANGE COMMISSION (SEC) REGISTRATION - The SEC is the government agency that gives the business enterprise its legal personality.     


4. Barangay Clearance - The Local Government Code requires all local businesses to register at the barangay level. This is easy to do and a minimal fee is required.     


5. Registration with the Local Government - Permits and licenses required to ensure that standards are met and that businesses comply with the specific requirements of the business locale.     


6. B.I.R. Registration - The Bureau of Internal Revenue (BIR) will furnish your business with its own tax identification number and the authority to print receipts, invoices, etc.     


7. SSS Registration - The Social Security System offers your employees many benefits. It also benefits you, as employer, in cases of employees' disability or death.     


8. DOLE Registration - Registering with the Department of Labor and Employment (DOLE) is required for businesses with 5 or more workers.     


9. PHILHEALTH - Securing membership in the government health care benefits system.     


10. Manila Electric Co. (MERALCO) - Securing electric services connection for business in MERALCO franchise area; local electric utility firms for companies locating in non-MERALCO franchise area.     


11. Maynilad Water Company and/or Manila Water Company for firms locating in Metro Manila and Local Water Utilities Administration (LWUA) for firms locating outside Metro Manila - Securing Water services.     


12. Philippine Long Distance Telephone Co. (PLDT), Bayantel, Digitel, Smart and Globelines - Securing Telephone services connection.     


13. Registration with other offices - You may be required to register with other agencies of government, depending on your type of business. Some examples are the Bureau of Food and Drug, Garment and Textile Board, Department of Tourism, Philippine National Police.

 

Resource: DTI 

 
Partnership sa Negosyo, Paano Ito Sisimulan?

 

Ang Partnership or May Mga Kasosyo ay isang uri ng negosyo na pagmamay-ari ng 2 or higit pang katao. Its powers and liabilities are dependent on its members to the extent defined in the Articles of Partnership.

Ang mga advantages ay ang mga sumusunod:

  1. Madaling itatag
  2. Mayroong check and balance sa magkasosyo, kaya malamang  walang aabuso
  3. Magkasamang haharap ang magkasosyo sa paglago at pati narin sa mga problema nito

 Ang mga disadvantages:

  1. Maaring di magkasundo ang magkasosyo at mabuwag ang negosyo
  2. Ang desisyon ng isa sa may-ari ay para sa lahat
  3. Ang pananagutan ng shareholder ay hindi limitado sa kanyang nilagak na puhunan 

 

The Steps in Business Registration:     
1. DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.    


2. SECURITIES and EXCHANGE COMMISSION (SEC) REGISTRATION - The SEC is the government agency that gives the business enterprise its legal personality.    


3. Barangay Clearance - The Local Government Code requires all local businesses to register at the barangay level. This is easy to do and a minimal fee is required.    


4. Registration with the Local Government - Permits and licenses required to ensure that standards are met and that businesses comply with the specific requirements of the business locale.


5. B.I.R. Registration - The Bureau of Internal Revenue (BIR) will furnish your business with its own tax identification number and the authority to print receipts, invoices, etc.    

6. SSS Registration - The Social Security System offers your employees many benefits. It also benefits you, as employer, in cases of employees' disability or death.    


7. DOLE Registration - Registering with the Department of Labor and Employment (DOLE) is required for businesses with 5 or more workers.    


8. PHILHEALTH - Securing membership in the government health care benefits system.    


9. Manila Electric Co. (MERALCO) - Securing electric services connection for business in MERALCO franchise area; local electric utility firms for companies locating in non-MERALCO franchise area.    


10. Maynilad Water Company and/or Manila Water Company for firms locating in Metro Manila and Local Water Utilities Administration (LWUA) for firms locating outside Metro Manila - Securing Water services.    


11. Philippine Long Distance Telephone Co. (PLDT), Bayantel, Digitel, Smart and Globelines - Securing Telephone services connection.    


12. Registration with other offices - You may be required to register with other agencies of government, depending on your type of business. Some examples are the Bureau of Food and Drug, Garment and Textile Board, Department of Tourism, Philippine National Police.

 

Resource:DTI,TLRC 

 
Pagpapa Rehistro para sa Sole Proprietor

 

Ang Sole or Single Proprietor ang pinaka basic form of business that you can establish. Ito ay maaring patakbuhin ng isang tao lamang. 

Ang mga advantages ng ganitong uri ng negosyo ay ang mga sumusunod

  1. Madaling itatag
  2. Ang may-ari ang gumagawa ng lahat ng desisyon 

Ang mga disadvantage:

  1. Maraming kailangan sa panig ng may-ari tulad ng oras, atensyon at pananalapi
  2. Nakasalalay ang paglago sa kakayangang pinansyal ng may-ari

 

The Steps in Business Registration:    

1. DTI-BTRCP Registration - It is necessary to register your business with the Department of Trade and Industry (DTI) and the Bureau of Trade Regulation and Consumer Protection (BTRCP) because you will gain the exclusive right to establish and use your business name. It also offers protection from those could take advantage of your name. These government agencies see to it that there is no duplication in the use of names.    


2. Barangay Clearance - The Local Government Code requires all local businesses to register at the barangay level. This is easy to do and a minimal fee is required.    


3. Registration with the Local Government - Permits and licenses required to ensure that standards are met and that businesses comply with the specific requirements of the business locale.


4. B.I.R. Registration - The Bureau of Internal Revenue (BIR) will furnish your business with its own tax identification number and the authority to print receipts, invoices, etc.    


5. SSS Registration - The Social Security System offers your employees many benefits. It also benefits you, as employer, in cases of employees' disability or death.    


6. DOLE Registration - Registering with the Department of Labor and Employment (DOLE) is required for businesses with 5 or more workers.    


7. PHILHEALTH - Securing membership in the government health care benefits system.    


8. Manila Electric Co. (MERALCO) - Securing electric services connection for business in MERALCO franchise area; local electric utility firms for companies locating in non-MERALCO franchise area.    


9. Maynilad Water Company and/or Manila Water Company for firms locating in Metro Manila and Local Water Utilities Administration (LWUA) for firms locating outside Metro Manila - Securing Water services.    


10. Philippine Long Distance Telephone Co. (PLDT), Bayantel, Digitel, Smart and Globelines - Securing Telephone services connection.    


11. Registration with other offices - You may be required to register with other agencies of government, depending on your type of business. Some examples are the Bureau of Food and Drug, Garment and Textile Board, Department of Tourism, Philippine National Police.

 

Resoruce: DTI, TLRC

 
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