合作与农村发展:以菲律宾达亚信贷合作与发展公司为例

Celeste Lacuna-Richman, D. S. Gill, E. Murray
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引用次数: 1

摘要

这项研究的目的是了解合作社的组织和业务,并审查其对菲律宾农村发展的贡献。本研究采用定量和定性资料。数据分析显示了合作社成员的社会经济特征。卡方分析和多元回归分析显示,即使土地所有权不是成员资格的要求,土地所有权状况也是从合作社获得贷款的重要变量。回归还表明,土地所有制地位是获得领导职位的重要因素。与预期相反,在这个合作社中,任期地位较低的被调查者比拥有更多土地的被调查者更倾向于担任领导角色。最常提到的加入合作社的原因是它作为生产贷款来源的功能。然而,合作社成员也认识到合作社提供的其他社会效益,包括推广和营销援助。合作社还为非农业成员可以利用的家庭手工业项目提供资金。答复者对合作社提出了几项改进建议。这些措施包括更有效地处理贷款,提高最高贷款限额,以及提高农产品价格。尽管有其局限性,成员们认为合作社是可行和可靠的支助和服务来源。成员认识到属于自助组织的好处,而不是依赖外部援助。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Cooperative and Rural Development: The Case of Dayap Credit Cooperative and Development Inc., Philippines
The purpose of this study was to understand the organization and operations of a cooperative and examine its contribution to rural development in the Philippines. Quantitive and qualitative data were used in the study. Data analysis showed the socioeconomic characteristics of the cooperative's members. Chi-square and multiple regression analysis revealed that land tenure status was a significant variable in acquiring loans from the cooperative, even if land ownership was not a membership requirement. Regression also showed that land tenure status is a significant factor in achieving leadership positions. Contrary to expectations, respondents with lower tenur status were more inclined to assume leadership roles than respondents with more land, in this cooperative. The most frequently mentioned reason for joining the cooperative is its function as a source of production loans. However, cooperative members also recognize the other social benefits the cooperative provides, including extension and marketing assistance. The cooperative also serves as a source of capital for cottage-industry project which non-farming members can access. The respondents suggest several improvements for the cooperative. These include the more efficient processing of loans, raising the maximim loan limit, and higher prices for produce. Despite its limitations, members regard the cooperative as a viable and dependable source of support and services. Members are cognizant of the benefits of belonging to a self-help organization, as opposed to dependence on external aid.
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