Governance & Transparency
Democratic Governance
We operate with transparency, accountability, and member participation at our core.
By-Laws & Policies
Our cooperative operates under CDA-compliant by-laws that ensure democratic governance and member rights.
- CDA-Registered By-Laws
- Membership Policies
- Financial Policies
- Loan Policies
Board of Directors
Our Board of Directors is elected by members through democratic voting processes, ensuring member representation in all major decisions.
- Maximum 5 Directors - Elected by voting members
- 2-Year Terms - Ensuring fresh perspectives and accountability
- Qualification Requirements - No delinquency, no conflicts of interest, attendance compliance
- Transparent Decision-Making - Regular board meetings with member oversight
- Member Accountability - Directors answer to the membership
Reports & Transparency
Annual Reports
Comprehensive annual financial and operational reports available to all members.
Financial Audits
Regular independent audits ensure financial integrity and transparency.
General Assemblies
Annual general assemblies where members review operations and vote on key decisions.
Open Records
Members have access to cooperative records and financial statements.
Mandatory Committees
Our cooperative maintains mandatory committees as required by CDA regulations to ensure proper governance and member representation.
Audit Committee
3 members responsible for financial oversight and audit compliance.
Election Committee
3 members overseeing fair and transparent elections.
Credit Committee
3 members evaluating loan applications and credit decisions.
Ethics Committee
3 members ensuring ethical conduct and member compliance.
Mediation & Conciliation
3 members resolving disputes and member conflicts.
Education & Training
Oversees member education programs and PMES.
GAD Committee
Gender and Development committee promoting equality.
Voting Rights & General Assembly
Voting Eligibility
- • Membership fee fully paid
- • Minimum shares fully paid
- • No delinquent obligations
- • Education completed
- • Active participation
Voting Rules
- • One member = one vote
- • No proxy voting allowed
- • No cumulative voting
- • Secret ballot for elections
- • Quorum: 50% + 1 of voting members
Our Commitment to Transparency
We believe that transparency builds trust. As a member-owned cooperative, we are committed to open communication, regular reporting, and democratic participation. All members have the right to access information about our operations, finances, and governance decisions. Voting rights are automatically suspended for members with delinquent obligations and restored only after compliance.