17/04/2026
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๐๐ ๐๐๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐๐๐ ๐๐๐
April 17, 2026
The Cooperative Development Authority (CDA) Region III Extension Office successfully conducted the Regional Orientation on Risk-Based Supervision (RBS) for REGIONAL Billionaire Lending Cooperatives in Region III on April 17, 2026. The activity was designed to provide participating cooperatives with a comprehensive understanding of the Risk-Based Supervision and Examination Manual (RBSEM), including its strategic objectives and implementation procedures, in line with the Authorityโs commitment to strengthening regulatory oversight and promoting good governance within the cooperative sector.
Participating in the activity were San Jose Del Monte Savings and Credit Cooperative, St. Martin of Tours Credit and Development Cooperative, Caniogan Credit and Development Cooperative, Manatal Multipurpose Cooperative, Ligas Kooperatiba ng Bayan sa Pagpapaunlad, and Golden Group Gabay Puhunan Brotherhood Multipurpose Cooperative, all of which play significant roles in advancing cooperative development in Region III.
The program formally opened with the Keynote Address of Dir. Marieta P. Hwang, Regional Director of CDA Region III, who provided a comprehensive discussion on the RBSEM under CDA Memorandum Circular 2026-02. She emphasized that the Risk-Based Supervision approach serves as a proactive and strategic mechanism to enhance regulatory efficiency, ensure transparency, and safeguard the long-term sustainability of cooperatives, particularly those engaged in large-scale lending operations. She further underscored the importance of strong governance, internal controls, and full compliance with regulatory standards among cooperative leaders and management.
This was followed by a detailed presentation of the Technical Roadmap on the RBS Process and Examination Schedule by Ms. Jasmin P. Barroga, Chief of the Supervision and Examination Section. She outlined the step-by-step implementation of the RBS framework, covering pre-examination preparations, actual examination procedures, and post-examination evaluation. She also discussed the risk areas used in assessment, including governance, financial condition, operational efficiency, and regulatory compliance, along with the examination schedules and assigned teams for proper guidance of the cooperatives.
Further discussion was led by Ms. Marichris S. Lanorio, Cooperatives Development Specialist II, who presented the prioritization framework for lending cooperatives and the required data for pre-examination. She explained that priority coverage will be given to medium and large cooperatives whose lending operations comprise at least 60% of their activities, while also considering factors such as governance issues, internal control gaps, management capacity, legal concerns, and compliance standing. She likewise emphasized the importance of complete and accurate documentary requirements to ensure a smooth examination process.
The procedures for the issuance of the Notice of Examination were also thoroughly discussed, highlighting that official notices will be served at least thirty (30) days prior to the scheduled examination through registered mail, email, or personal delivery. These notices will contain the list of authorized examiners, examination schedule, and required documents for submission or availability during the examination.
An Open Forum provided an opportunity for participating cooperatives to raise questions and seek clarifications, resulting in a productive exchange of insights regarding the RBS framework, compliance requirements, and examination procedures.
The activity concluded with a Closing Message from Ms. Carolina M. Miguel, Supervising CDS of CDA Region III, who emphasized the importance of cooperation, preparedness, and strict adherence to CDA regulations. She encouraged the cooperatives to fully support the implementation of the RBS framework as a tool for strengthening accountability, enhancing operational efficiency, and promoting sustainable growth within the sector.
Overall, the orientation successfully strengthened the knowledge, preparedness, and coordination of participating cooperatives and reaffirmed the CDAโs commitment to advancing a robust, transparent, and resilient cooperative sector in Region III.
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