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This manual is developed by NATCCO for their NATCCO-SEDCOP FI program which aims to capacitate the cooperatives, specifically those involved savings and credit, in terms of their overall systems and operations. This manual on operations contains different policies and guidelines on how to go about or handle its financial transactions like savings and time deposits, loan collection, outside the office transactions, and several special cases that the cooperative has or has not yet encountered. Some of these special circumstances include the management of dormant deposits, accounts under garnishment, and shortage and overage. In addition, this manual also elaborately discusses the logistics of general cash transfers from vault-teller, teller-vault, or vault-depository bank and measures to ensure security of funds at the event of loss due to robbery or accident. A few samples of template finance and circulation forms are also stipulated in this material for easy adoption and usage of cooperatives.
