imi Guide 1 v vv y SEVEN CAPSULES CAPSULE---1 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW Cooperative movement, series of organized activities that began in the 19th century from UK. — B weoe- 0 ‘ophy is found in the [Eniish social reformepand socialist, pioneer in.the cooperative moveme /as a famous Efench Social philosopher and cooperator The ilational 2 a aes yperative) was Counded in_1867and later Serangea darmers_C exercised considerable political influence In contrast to Schulze-Delitzsch, ailieseM\gave special importance to the establishment oF cooperative credit associations among the peasants. In Great Britain the Cooperative Wholesale Society was established in 1863, the Cooperative Wholesale Society of Scotland in 1868, and the British Cooperative Union in 1869; in Sweden, the Swedish Wholesale Cooperative was founded in 1869; in the USA, the Cooperative League of the United States was founded in 1916.) A cooperative that unites sinall commodity producers and production and office workers to create a nuit monetary fund to meet their requirements for small-scale credit (production ur consumer credit)-—> Cvodit Cowper), IN The first credit cooperative in Russia was founded in 1868. Fourier @hartes,-French-social philosopher. The Rochdale Principles are a set of ideals for the operation of cooperatives, They were first set out by the Rochdale Society of Equitable Pioneers in Rochdale, England, in 1844, The original Rochdale Principles were officially adopted by the Intemational Co- operative Alliance (ICA) in 1937 as the Rochdale Principles of Co-operation. The first of the Rochdale Principles states that co-operative societies must have an open and voluntary membership. Karachi Co-operative Housing Socielies Union (KCHSU) is a federation of housing cooperatives_in Pakistan. The organisation is composed of 24 cooperative housing societies with over 100,000 members. KCHSU is a member of the International Co-operative Alliance. KCHSU was established on January 25, 1949 under the West Pakistan Co-operative Societies Act Vil of 1925 to help the acquisition and lease of land from the government and other agencies. A cooperative may also be defined as a business owned and controlled equally by the people who use its services or by the people who work there ay,- > BQ v vv v v - ii Hotel, a student housi ig cooperati Berkeley, Cali Tied The Cloyne Cour States ecopraive shops in he UK formed the words fs ass cooper Consumers hae dates back as far as human beings have been organizing for mutuay Coopel benefit ‘ ied in Fenwick, East Ayrshi ic ' Society was formed in F 3 \rshi § wo af ey tees oatmeal to ioe ena, is sootees expanded to include Sesstance wth savings and Toans, emigration and educa / ; sh social reformer Robert Owen, from Newtown in mid-Wales, and his In 1810, Welsh soci from Owen's father-in-law David Dale ang cd | ark mill ft n's fatt E aaa as Meller labour standards including discounted retail shops here profits were passed on to his employees. ; r forms of cooperative organization and devel 1e other ae Owen left New Lanark fo pursu erative communities were Set up in co-op ideas through writing and lecture. Coop Glasgow In 1828, William King set up a newspaper, The Cooperator, to promote Owen's thinking, having already set up a co-operative Store in Brighton The Rochdale Society of Equitable Pioneers, founded in 1844, is usually considered the first successful cooperative enterprise, used as a model for modem co-ops, following the ‘Rochdale Principles. A group of 28 weavers and other artisans in Rochdale, England set up the society to open their own store selling food items they could not otherwise afford Within ten years there were over 1,000 cooperative societies in the United Kingdom The founding of 2 drendly.socetyahy the Tolpuddle Martyrs in 1832 were key occasions in the creation of organized labor and consumer movements In the final year of the 20th century, cooperatives banded together to establish a number of social enterprise agencies which have moved to adopt the multi- stakeholder cooperative model Friendly Societies established forums through which one member, one vote was practiced in organisation decision-making The cooperative movement has been fueled globally by ideas of economic democracy Economic democracy is @ socioeconomic philosophy that suggests an expansion of decision-making power from a small minorily of corporate shareholders to a larger majority of public stakeholders P A cooperative is a legal entity owned and democratically controlled by i al y its members. Members often have a close association with the enterprise as producers or consumers of its products or services, or as its employees In some countries, e.g. Finland and Sweden, ther ic i i intries, €.9. |, there are specific forms of incorporation fo Cooperatives. Cooperatives may take the form of companies limited by shares of ’y guarantee, partnerships ar unincorporated associations In the USA, cooperatives are i i shisacne tale ed ae en organized as non-capital stock corporations under A selalers' cooperative j sane come live is also known as a Secondary or marketing cooperative in A retailers’ cooperative is an izatic s i) Organization which employs economies of scale on behalf ofits members to receive discounts from manufacturers and to pool marketingMimi Guide a Itis common for locally owner jardware stores and pharmacies The Best Wester international betel chain is actually a retailers’ cooperative, whose members are hotel operators, although it refers to itself ag a “nonprofit membership association.” O ‘A worker cooperative or producer cooperative is a cooporative, that is owned and democratically controlled by its “worker-owners". There are ic rors in a ‘pure workers’ cooperative, only the workers own shares of though ‘hybrid forms exist in which consumers, community members or capitalist investors _-~ also own some shares CE/ A volunteer cooperative is a cooperative that is run hy and for a notwork of volunteers, for the benefit of a defined membership or the general public, to achieve some goal Depending on the structure, it may be a collective or mutual organization, which is operated according to the principles of cooperative governance The most basic form of volunteer-run cooperative is a voluntary association A lodge or social club may be organized on this basis. A volunteer-run co-op is distinguished from a worker cooperative in that the latter is by definition employee- owned, whereas the volunteer cooperative is lypically a non-stock corporation ~ A particularly successtul form of mull:stakeholder cooperative is the Italian *social Cooperative’, of which some 7,000 exist. "Type A” sacial cooperatives bring together providers and beneficiaries of a social service as members > — The world’s largest consumers' cooperative is.the Co-operative Group in the United Kingdom, which offers a variety of retail and financial services \ v > The UK also has a number of aulonomous consumers’ cooperalive societies, such as the East of England Co-operative Society and Midcounties Co-operative > — Migros is the largest supermarket chain in Switzerland and has around 2 million of the country's 7.2 million population as members + — Switzerland's secon iiggest supermarket chain, Coop is also a cooperative Euro Coop is ine European Community of Consumer Cooperatives > — Busiiess and employment cooperatives (BECs) are a subset of worker cooperatives that represent a new approach {o providing support to the creation of new businesses > — BECs thus provide budding business people with an easy transition from inactivity to self-employment, but in a collective framework New generation cooperatives (NGCs) are an adaptation of traditional cooperative structures to modem, capital intensive industries. They are sometimes described as a hybrid between traditional co-ops and limited liability companies > — They were first developed in California and spread and flourished in the US Mid-West jn the 1990s (~~ A housing cooperative is a legal mechanism for ownership of housing where residents ~~ either own shares (share capital co-op) reflecting their equity in the cooperative's real estate, or have membership and occupancy rights in a not-for-profit cooperative (non- share capital co-op), and they underwrite their housing through paying subscriptions or rent ~/ futility cooperative is a type of consumers’ cooperative that is tasked with the Se Serr of S atbte ulilily uel electricity, water or telecommunications services to its members. Profits are either reinvested into infrastructure or distributed to members in the form of ‘patronage" or "capital credits", which are essentially dividends paid on a member's investment into the cooperative V yCAPSULE---2 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW oO {ives or farmers’ cooperatives are cooperatives where farmers. Agricultural cooperative poo! their resources for mutual economic benefit > Agricultural cooperatives are broadly divided into agricultural service cooperatives, vy which provide various services to their individual farming members, and agricultural production cooperatives, where production resources such as land or machinery are pooled and members farm jointly This balance sheet shall be open to the inspection of any member during office hours at the Sey (othe Registrar and to the Auditor appointed by the Registrar for the audit of that society. — In case of Taluka Development Association the financial year will being from 1* April, and close on 31% day of March. In calculating the profit of a society for the year all accrued interest which is overdue shall be deducted from the gross profits of the year before the net profits are arrived at. All accrued interest, that has been so deducted from the profit of the year and is actually recovered during the subsequent year. No registered society shall distribute any bonus or shares beyond or shares beyond declared under section 38. ‘No society shall pay its shares holders a dividend exceeding 6/4 per cent in any year on the paid up hare capital standing on the name of each shareholder. If a society is unable to pay a dividend of 6/4 per cent in a year, it may make good the deficit by paying the difference out of profits in future years. Any distribution of the remaining balance of profits under section 40 and after the distribution of dividend under section 38 shall be in accordance with bye laws of the society regarding such distribution. The Rochdale Principles are a set of ideals for the operation of cooperatives. They were first set out by the Rochdale Society of Equitable Pioneers in Rochdale, England, in 1844, and have formed the basis for the principles on which co-operatives around the world operate to this day. The reserve fund of any registered society may be utilized in the business of the society, or be invest or deposited in section 37. Consumer's Societies with working capital exceeding Rs.50,000/- may at their option arrange for their own annual audit independently. The societies arranging for their own audit shall report the fact to the Registrar before the 15! of May every year. Failing the receipt of such a report from any Consumer's Society before the 1* May in any year, the Registrar shall arrange for the compulsory audit of such society by an official auditor. When the audit is made by an official auditor, a fee of Rs. 10 per day to the whole period of the audit (a portion of day being treated as full day) shall be recovered from the society and credited to Government. When a dispute has been referred to the Registrar under Section 54, the Registrar or his nominees, shall issue a notice fo all parties, and unless either of the parties desired with 15 days of the issue of such a notice that the matter be referred toUmi Guide 5 v arbitration, shall proceed to de e dispute himself When either of the parties fails to make a nomination within the period aforesaid, the Registrar may nominate an arbitrator on behalf of such party. The Registrar or his nominee will act as Chairman of the Committee of three Arbitrators. He will fix the date and place of hearing, the dispute and carry on the necessary correspondence in connection with the disposal of the case. Intemational Co-operative Alliance (ICA) is a non-governmental co-operative federation or, more precisely, a co-operative union representing co-operatives and the co-operative movement worldwide. It was founded in 1895. The ICA maintains the internationally recognised definition of a co-operative in the Statement on the Co-operative Identity ICA represents 248 co-operative federations and organisations in 92 countries. On the first Saturday of July each year, the ICA coordinates celebrations/of Intemational Co-operative Day. In December 2009, the United Nations declared 2012 as the Intemational YeaKof Co- operatives. ICA adopted its original rainbow flag in 1925 with the seven colors symbolizing unt in diversity and the power of light, enlightenment, and progress. The new flag was adopted in 2001 af the ICA General Assembly in Seoul, Korea, to avoid confusion with other rainbow flags, several of which had become very well known in the 20th century. In 1960 the Chief Settlement & Rehabilitation Commissioner allowed it as Legal entity and was allowed to be registered as Cooperative Model Town Society on the payment of Rs, 100/- in Goverment Treasury as foken money. On 8th September, 1953, the Pakistan Cycle Indusirial Cooperative Society was formally registered under Section 9 of Cooperative Societies Act II of 1912. It has been controlled by an elected body ever since. Every application for the registration of a society under sub section (1) of Section 9 shall be in the form. In addition to the copy of the bye-laws which is required fo accompany the application for registration under subsection (3) of Section 9 two other copies of the proposed bye laws of the society shall be forwarded therewith. In case where one of the members of the society to be registered is a registered society a member of the Managing Commitiee of such registered society shall be authorized by such Committee by resolution to sign the application for registration and the bye laws on its behalf and a copy of such resolution shall be appended to the application. Granger movement, American agrarian movement taking its name from the National Grange of the Patrons of Husbandry, an organization founded in 1867 by Oliver H. Kelley and six associates. Collective farm, an agricultural production unit including a number of farm households or villages working together under state control. The description of the collective farm has varied with time and place. The cooperative movement first spread in Great Britain, where consumers’ cooperatives began emerging i; 1769. R. Owen played an importani t¢3e in the development of the cooperative movement in Great Britain,6 ti Guide > Tn 1644, followers of Owen in the cily of Rochdale, Great Britain, organized consumers’ society (initially including 28 people), which they called the Rochdale Equitable Pioneers’ Society. In the UK, co-operatives formed the Co-operative Party in the early 20th century to represent members of co-ops in Parliament. The Co-operative Parly now has a permanent electoral pact with the Labour Party, and some Labour MPs are Co- operative Party members. UK co-operatives retain a significant market share in food retail, insurance, banking, funeral services, and the travel industry in many parts of the country. In France, weavers in Lyon organized a consumers’ society, the United Workers, in 1848. Alter the promulgation of the 1867 Law on Societies ‘with changing members and capital,” cooperatives began developing more rapidly in France. The first congress of cooperatives, at which the Cooperative Union was established, was held in Paris in 1885. In Italy, the first consumers’ society arose among railroad workers in the city of Turin in 1853. Rochdale-type consumers’ cooperatives also arose in the mid-19th century in Germany. The Hamburg orientation in the cooperative movement became prevalent there; its characteristics were the limitation of profits allotted by a cooperative for distribution proportional to the purchase of goods, and the establishment of an aid fund for needy members. In 1849 the German bourgeois economist and political figure H. Schulze-Delitzsch presented a plan for “saving” industrial workers and artisans who were becoming proletarianized from need, by establishing credit. supply-and-marketing, and consumers’ cooperatives among them. If the Registrar refuses to register the society or its bye laws under Section 10, he Shall communicate to the applicants his reasons for so doing. When a society has been registered, the bye laws submitted under sub section (3) of Section 9 shall, subject to any modification approved by the Registrar, and adopted at a general meeting, having a quorum, by majority of not less than two thirds of the members present al such meeting, become the bye laws of the societies. Bye laws may be made, altered or abrogated by a resolution passed at a general meeling of the society No society with limited liability shall incur liabilities from persons who are not rmembers exceeding in total fifteen times the total amount of its paid up share capital accumulated reserve fund, and building, funds minus accumulated loss. The shares of a society shall not be hypothecated to that Society by its members as a security for a loan. !'a member resigns his membership of society or dies the sum representing the value f i p ig of interest in the capital of the society to be paid to him or his nominee; heir or legal representative Agricultural credit societies shal! not accept deposits which are not fixed for a period f at least two months, except savings deposits in such societies as have made in their bye laws provisions for the encouragement of thrift among their members by the ‘opening of saving account, Lockhurst Lane Industrial Co-operative Society (founded in 1832 and now Heart oflimi Guide 7 England Co-operative Society), and Galashiels and Hawick Co-operative Societies (1839 or earlier, merged with The Co-operative Group) stil trade today > Iwas not until 1844 when the Rochdale Socioty of Equitable Pioneers established the ‘Rochdale Principles > Financially, credit unions were invented in Germany in the mid-19th «tury, first by Franz Hermann Schulze-Delitzsch (1852, urban), then by Friedrich Wilheim Raiffeisen (1864, rural) > — Robert Owen is considered the father of the cooperative movement > A Welshman who made his fortune jn the cotton trade, Owen believed in putting his workers in a good environment with access to education for themselves and their children. These ideas were put into offect successfully in the cotton mills of New Lanark, Scotland. It was here that the first co-operative store was opened > Dr William King (1786-1865) ~ took his ideas and made them more workable and practical. King believed in starting small, and realized that the working classes would need to set up co-operatives for themselves, so he saw his role as one of instruction. He founded @ monthly periodical called The Co-operator, the first edition of which appeared on { May 1828 > The Rochdale Society of Equitable Pioneers was a group of 10 weavers and 20 others in Rochdale, England, that was formed in 1844 > The Co-operative Group formed gradually over 140 years from the merger of many independent retail societies, and their wholesale societies and federations. In 1863, twenty years after the Rochdale Pioneers opened their co-operative, the North of England Co-operative Society was launched by 300 individual co-ops across Yorkshire and Lancashire. By 1872, it had become known as the Co-operative Wholesale Society (CWS). > — Scottish Co-operative Wholesale Society (1973) and the South Suburban Co- operative Society (1984) > — Mondragén Cooperative Corporation in the Basque country of Spain > Agricultural marketing cooperatives are cooperative businesses owned by farmers, to undertake transformation, packaging, distribution, and marketing of farm products. > — Inindia, most of the sugar production takes place at mills owned by local cooperative societies > — The Co-operative College has, since 1919, served the co-operative sector in terms of developing members and managers, working intemationally and developing new co- operative ideas > — The Woodcraft Folk is an organisation widely considered to be the youth arm of the co-operative movement. Woodcraft Folk groups teach the principles of cooperation to children and is financially supported by the cooperative group and many other cooperative societies Cooperative movement, series of organized activities that began in the 19th cent. in Great Britain and later spread to most countries of the world, whereby people organize themselves around a common goal, usually economic. The term usually refers more specifically to the formation of nonprofit economic enterprises for the benefit of those using their services. No society shall make any loan fo a member on a bond secured by the surety ship of a non member; provided that the registrar may, for special reasons exempt any ‘Society by name from the operation of this rule.v mi Guide CAPSULE---3 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW be written off against the reserve fund of any society, and the case of jinied laby societies ifthe [asses exceed the reserve fund, the balance remaining may be written off against the share capital of the society. The accounts and books by a society shall be kept in such place and by such person as the Registrar may direct. For the purpose of Section 31 copies of documents or entries in the books of a society may be certified by any officer of the society ‘Any member of the public shall be permitted on payment of a fee of 1 rupee for each inspection, to inspect for any lawful purpose any public document (exclusive of public documents. The Registrar and may required any society to submit any statement and any periodical return of receipts and disbursements on such dates and in such form as he may prescribe. Every housing society shall submit a property register fo the Registrar on such dates and in such form as registrar may prescribe. All registered societies classified by the Registrar as Central Bank or as Urban Banks shall submit to that officer a quarterly finance statement in the form prescribed by the Government for the quarters and ending 30” June respectively. Collective farm, an agricultural production unit including a number of farm households or villages working together under state control. The descrition of the collective farm has varied with time and place. On or before 15" September of each year, the Committee of every society shall publish an annual balance sheet The balance sheet shall be in such form as the Registrar may prescribe or any society or class of society of societies. The industrial revolution and the increasing mechanization of the economy transformed society and threatened the livelihoods of many workers The first documented consumer cooperative was founded in 1 769, in a barely fumished cottage in Fenwick, East Ayrshire, when local weavers manhandled @ sack of oatmeal into John Walker's whitewashed front room and began selling the contents ata discount, forming the Fenwick Weavers' Sociely2. — Lennoxtowi1 Friendly Victualling Society, founded in 1812 The Co-operative Movement began in England in tie second half of the industrial revolution Co-operative Principles were defined by resolution of the 24th Congress of the Intemational Co-operative Alliance at Hamburg in September 1969 Today over 150 years after the movement was founded, under the umbrella of the Intemational Co-operative Alliance, the co-operative movement boasts over 800 ‘million members world-wide in over 100 countries "Co-operatives contribute directly to improve the standards of living of half the World'slimi Guide 9 > population.” The cooperative movement first spread in Great Britain, where consumers’ cooperatives began emerging in 1769. The first of these disintegrated rapidly The first recorded activity began in 1904 when this movement was officially set up by the British Government Before that in the year 1892, Derrick Nicholson, tried to find out ways and means to establish institutions so as to help the agricultural sector. He gave the suggestions for setting of co-operative societies The Government appointed the Second Famine Commission 1901 to suggest measures for the victims The Govemment had accepted many of the recommendations and in 1904 “co operative societies Act’ were passed These credit societies were organised on the basis of two models, one for rural area and other for urban area The year 1929 saw a world wide economic depression {In year 1933, the Reserve Bank of India was set up. The bank took some initiative to recognise the co-operative movement. It had a separate department for a co- operative credit The all India Co-operative planning Committee was held in 1945 The Co-operative Movement brings together over 1 billion people around the world The United Nations estimated in 1994 that the livelihood of nearly 3 billion people, or half of the world's population, was made secure by co-operative enterprise In Asia 45.3 million people are members of a credit union In Canada, four of every ten Canadians are members of at least one co-operative. In Quebec, approximately 70% of the population are co-op members In Germany, there are 20 millon people who are members-of co-operatives, 1 out of 4 people In France, 23 million people are members of one or more co-operatives or approximately 38% of the population In Iran, there are over 130,000 co-operative societies with 23 million members or approximately 33% of the population In Indonesia, 27.5% families representing approximately 80 million individuals are members of co-operatives In Japan, 1 out of every 3 families is a member of a co-operatives In India, over 239 million people are members of a co-operative In Nonway of 4.8 million people, 2 million are members of co-operatives. Many people are members of several co-operatives, therefore, the total number of memberships are much higher In Uruguay, in 2008-2009 1 out of every 3 persons is member of a co-operative scouring the National Co-operative Census which reported initial results in February In the United States, more than 29,000 co-operatives operate in every sector of the economy and in every congressional district; Americans hold over 350 million co- operative memberships If the Registrar is satisfied that a society has complied with the provisions of this ActIai Guide “Jaws are not contrary to any law for the ting and the rules and that its pense by fae is by ans. being in es aad ae by the Registrar shall be conalusive evidence the tificate of registration sig’ ie itis 1d that the registrati fhe society ‘herein mentioned is duly registered unless itis proves registration ofthe society has na ane jonths after the date fixed for making yp Every society shall within a period of He the time being in force call a general its accounts for me year under the rules meeting of its members. _ | ir ime by a majority of the committes ‘special general meeting may be called at any time by a majo fn sa be called within one month-on the requisition in writing of one-fifth of the members of the society, or at the instance of the oe a. , ic nd wi Of the A society may, by a resolution of a general meeting ai fal 0} Registrar, change its name: but such change shall ie affect any ge ai a of the society, or of any of its members, or past members 2 y a8 ings. pending may be continued by or against the society under its new ie ; 4 If the Registrar is satisfied that any amendment of the by-laws made by a society is not ‘contay to any law for the time being in force, he may register the amendment. When the Registrar registers an amendment of by-laws of @ society under subsection(2), he shall issue to the society a copy of the amendment certified by him, which shall be conclusive evidence that the same is duly registered. No person shall exercise the rights of a member of a society unless or until he has made such payment to the society in respect of membership, or acquired such interest in the society as may be prescribed by the rules or the by-laws of such society. A sociely may recommend to the Registrar to expel from its membership a member who is a persistent defaulter of the dues of the society or who commits any act prejudicial to the interests of the society: No member of any society shall have more than one vote in its affairs, provided that in the case of an equality of votes the chairman shall have a casting vote. A Society which has invested any part of its funds in the shares of another society, may appoint one of is members to vote in the affairs of such other registered sociely. The powers and management of a society shell vest in its general body consisting of ail its members. A society shall have a managing committee, constituted in accordance with the rules and the by-laws, which shall exercise such powers and functions as may be delegated to it by the general body, The Registrar may require a Society to obtain approval of its general body, in any ‘matter conceming the business of the society, before proceeding further in the matter. Pei on which he loan or intaliment becomes payable is the date specified i other instrument in writ idencir include ge ae toe in writing evidencing the loan but does not inclu The transfer or charge of the share or interest of a member in the capital of a sociely shall be subject fo such condi ii tepalichcr aide this Actor ty ro a cy conditions as fo maximum holding as may be prescribed by per ey shal have a registered office which shall be the address of the society. Society shall not change its address without the prior approval of the Registrar:imi Guide v v v v ¥ v v ~ CAPSULE---4 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW The approval of the Registrar shall immediately be communicated by the Society to its members’ creditors and the Society of which it is a member. The Registrar shall, by himself, an auditor or a committee of auditors appointed by hhim, ‘through general or special order in this behalf, specilying the period. for completion, audit the accounts of every society once at least in a year: The Registrar or other person auditing the accounts of any society shall have free access to the books, accounts and vouchers of such ‘society and shall be allowed to verify its cash balances and securtties, Where, in the course of an audit under section 22 it appears to the Registrar that there exists any such ground as is ‘Specified in section 50-A, he may, of his own motion or on the application of the person authorised by him under section 22, exercise the powers specified in section 50-A, Every housing and producers’ society, in addition to the audit of accounts under section 22, shall also get the accounts audited by an intemal audit committee comprising at least three members of the society other than the members of its managing committee as may be appointed by the general body with their consent. The report of the internal audit committee shall be submitted by the society or the committee to the Registrar within one month of the receipt or compilation of such report, The registration of a society shail render it a body corporate by the name under which it is registered, with perpetual succession and a common seal, and with power to hold property, fo enter info contracts, to institute, and defend suits and other legal proceedings and to do all things necessary for the purposes of its constitution, The liability of a past member for the debts of a society as they existed at the time when he ceases to be a member, shail continue for a period of two years from the date of his ceasing to be a member. The estate of a deceased member shall be liable for the debts of the society, at the time of his death, for a period of one year. A society shall receive deposits, donations, grants and loans from persons who are not members only to such extent and under such conditions as may be prescribed by the rules or by the bye-laws of the sociely. Consumers’, producers’ and housing societies may to the extent permitted by their by- Jaws trade with persons who are not members, but the transactions of a resource society with persons other than members except as provided under section 34 or 35 Shall be subject to such prohibitions and resirictions, if any, as the Provincial Government may by rules prescribe. The Registrar may of his own motion by himself or by a person duly authorised by him in writing in this behalf hold an inquiry into the constitution, working and financial condition of a society. 1 ih All officers and members of the society whose affairs are investigated shall furnist such information in their possession in regard to the affairs of the sociely as the Registrar or the person authorized by the Registrar may require.v limi Guide The result of any inquiry under this section shall be communicated to the society whose affairs have been investigated. i is 1ay, on the application of a creditor of a society inspect or direct some ee siihoned| by him YY order in writing in this behalf to inspect the books of the society. -egistrar, or any of his authorized representative, shall have access and right to peor books, ‘ooounts, cash, documents, properties and securities of a society and every employee, past or present, of the sociely shall produce the same and furnish such information with regard (o the transactions and working of the society as the person making such inspection may require. If the Registrar, after an inquiry has been held under section 43 or after an inspection has been made under section 44 or section 44-A or on receipt of an application made by two-third of the members of a society present at @ special general meeting, called for the purpose or of his own motion, in the case of a socioly thal has not commenced working, or has ceased working, is of opinion that the society ought to be wound up he may issue an order directing it fo be wound up, and the when necessary, may appoint a liquidator for the purpose and fix his remuneration. The Registrar may, by order in writing, direct a society io be wound up, if at any time it is proved to his satisfaction that the membership of the society has been reduced to ess than the requisite minimum number of members and the sociely, despite a reasonable opportunity, has failed to raise the number of members to be in accordance with the provisions of this Act. All existing societies shall, within two years of the commencement of this Act, raise their membership to be in accordance with the provisions of this Act, failing which the Registrar may wind up such a society after affording it an opportunity of being heard, If a housing society fails to complete development and alloiment of plots in accordance with its development schedule, the Registrar may order the winding up of the society after affording it an opportunity of hearing. When the affairs of a society for which a liquidator has been appointed under section 47 have been wound up, or, where no liquidator has been appointed, after two months from the date of an order under section 47, or after confirmation of such order in appeal, the Registrar shall make an order cancelling the registration of the society, and the society shall be deemed to be dissolved from the date of such order. Every society, officer or member of a sociefy or other person guilty of an offence under this Act for which no penalty is expressly provided herein shall be liable to a fine not exceeding fifty thousand rupees. No court shail (ake cognizance of any offence punishable under this Act except on a complaint in writing made by the Registrar or by a person duly authorised, for the purpose, by him. An appeal against an order or decision of or sanctioned by the Registrar under Section 10, 16, 45, 47, 50, 50-A, 54 or sub-section (3) of section 54-A may be made by any party aggrieved or affected by the order or decision to the Provincial Government within two months of the date of the communication of the order. An order passed in appeal under section 64 or in revision under section 64-A by the Provincial Government shall be final and conclusive and shall not be liable fo be called in question in any civil or revenue court. Every officer of a society, including a Cooperative bank, shall be deemed to be @ Public servant within the meaning of section 21 of the Pakistan Penal Code Notwithstanding anything contained in this Act, the Provincial Goverment may, bYImi Guide Bo special order in each case and subject to such conditions, if any, as it may impose, exempt any society from any of the requirements of this Act as fo registration. > The Provincial Government may, by general or special order to be published in the Official Gazete, exempt any sociely or class of societies from any of the provisions of this Act, or may direct that such provisions shall apply to such sociely or class of societies with such modifications as may be specified in the order; provided that no order te the prejudice of any sociely shall be passed without an opportunity being given to such society to represent its case. > — Mutual insurance, and principles of cooperation existed long before, the cooperative movement > The cooperative movement began in Europe in the 19th « zntury, primarily in Britain and France O The Shore Porters Society claims to be one of the world's first cooperatives, being established in Aberdeen in 1498 * Agricultural production cooperatives are relatively rare in the world, and known Draies are limited to collective farms in former socialist countries and the kibbutzim in Israel > Credit unions are cooperative financial institutions that are owned and controlled by their members. Credit unions provide the same financial services as banks but are considered not-for-profit organizations and adhere to cooperative principles > — Credit unions originated in mid-19th century Germany through the efforts of pioneers Franz Hermann Schulze-Delitzsch and Friedrich Wilhelm Raiffeisen > The oldest cooperative banks in Europe, based on the ideas of Friedrich Raiffeisen, are joined together in the 'Urgenossen’ > — In some cases, cooperative societies find it advantageous to form cooperative federations in which all of the members are themselves cooperatives According to cooperative economist Charles Gide, the aim of a cooperative wholesale society is to arrange “bulk purchases, and, if possible, organise production.” > — The best historical example of this were the: English CWS and the Scottish CWS, which were the forerunners to the modern Co-operative Group > A second common form of cooperative federation is a cooperative union, whose objective (according to Gide) is “to develop the spirit of solidarity among societies and... in a word, to exercise the functions of a government whose authority > — In some countries with a strong cooperative sector, such as the UK, cooperatives may find it advantageous to form a parliamentary political party to represent their interests. The British Cooperative Party and the Canadian Cooperative Commonwealth Federation are prime examples of such arrangements > — The British cooperative movement formed the Cooperative Party in the early 20th century to represent members of consumers’ cooperatives in Parliament The Cooperative Party now has a permanent electoral pact with the Labour Party, and has 29 members of parliament who were elected at the 2005 general election as Labour Cooperative MPs An agricultural cooperative, also known as a farmers’ co-op, is a cooperative where farmers poo! their resources in certain areas of activity Founder of cooperative movement is Robert Owen Headquarters of Hokuren Federation of Agricultural Cooperatives in Sapporo, Japan Y Y \ Xv yv v v imi Guide CAPSULE---5 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW Established in 1975, IFFCO is a United Arab Emirates based business house, which manufactures and markets a well-integrated range of consumer products Krishak Bharati Cooperative Limited (KRIBHCO), a premier Cooperative Society for manufacture of fertilizer, deemed to be registered Grain elevators are used by agricultural cooperatives in the storage and shipping of grains. The Co-operative Bank's head office in Manchester. The statue in front is of Robert Owen, a pioneer in the cooperative movement. Co-op City in New York is the largest cooperative housing development in the world with 55,000 people. The volunteer board of a retail consumers’ cooperative, such as the former Oxford, Swindon & Gloucester Co-op, is held to account at an Annual General Meeting of members Robert Owen was a social reformer and a pioneer of the cooperative movement. The Cloyne Court Hotel, a student housing cooperative in Berkeley, California, United States, Consumers’ cooperative shops in the UK formed the world's first mass cooperative movement The first agricultural cooperatives were created in Europe in the seventeenth century in the Military Frontier The first civil agricultural cooperatives were created also in Europe in the second half of the nineteenth century. Farmers also cooperated fo form mutual farm insurance societies. A Joint application along with the bye-laws of the society containing the details about the society and its members, has to be submitted to the Registrar of Co-operative Societies of the concemed state After scrutiny of the application and the bye-iaws, the registrar issues Certificate of Registration A Co-operative Society can be formed as per the provisions of the Co-operative Societies Act, 1925 Al feast fen persons having the capacity to enter into a contract with common ‘economic objectives, like farming, weaving, consuming, etc. can form a Co-operative Society A co-operative society is a voluntary association of individuals having common needs who join hands for the achievement of common economic interest. Its aim is to serve the interest of the poorer sections of society through mutual help Membership of co-operative societies is voluntary and open fo all. It is democratically managed and it has a separate legal existence . The main motive is to provide service fo i ‘members, It works on the principle of self help through mutual cooperation 0! membersImi Guide 45 7 — A co-operative society can be formed under the Co-operative Societies Act, 1912, with @ minimum of ten members. For registration, an application along with bye-laws of the society has to be submitted to the Registrar of Co-operative Societies > — Consumers’ co-operative society - formed to eliminate the role of middlemen and ‘supply high quality goods and services at reasonable price to consumers > — Producers’ co-operative society - formed to help producers to procure raw material, tools, equipment etc > Co-operative marketing society - formed to ensure a favourable market for small producers to sell the oulput and get a good return on sale » — Co-operative credit society - formed to provide financial help to members through loans at low interest rates. They encourage saving habit among members > — Co-operative farming society - formed fo achieve economies of large scale farming and maximization of agricultural oufput + — Co-operative societies are easy to form and have a stable life. Membership is open to all and members have limited liability. There is democratic management based on ‘one-man, one vote’. The societies have stable life and they enjoy goverment patronage Housing co-operative society- formed to provide residential houses to members by constructing them or providing loans to members to construct their own houses > They suffer from insufficient capital, problems in management and conflict among members. There is lack of motivation in members due to absence of direct reward for individual effor. Excessive government regulation and control may also pose problems for them > Co-operative societies are suitable in protecting exploitation of weaker sections of society and promoting their economic interest. It is ideal where service motive, and not profi, is the priority > — Therefore, in 1912, an All India Cooperative Societies Act was passed to facilities the organization of secondary level societies in the form of federations of primary societies in order to provide financial and administrative support to primary units, The scope of the cooperative movement was also widened through the Act which also provided for their involvement in activities other than credit > Later on two committees — one headed by Sir Edward Maclagan in 1914 and the other in 1945 headed by R.G. Saraiya > — In 1959, the Goverment of Pakistan appointed a Credit Inquiry Commission, which was headed by Mr. Abdul Qadir, the Governor of the State Bank of Pakistan > In 1976 the Federal Bank of Cooperative (FBC) was established with a share capital of Rs.206 million Cooperative philosophy originated with revolutionary writings and activities of Robert Owen and Charles Fourier - > Indian Co-operative Movement was basically organized against the exploitation of unscrupulous money-lenders to exonerate the farming community from the web of poverty and indebtedness eae > The schemes regarding the construction of godowns and the conversion of villages into model vilages ‘assumed great importance in the wake of the Green Revolution x 5 i i jo, by the > Co-operatives were introduced, in what is today the Pakistan Republi adoption of the Cooperative Credit Societies Act ‘of 1904 whose aim was to finance Indian small farmers vImi Guide motion of co-operation was done exclusively by the government in the sub- ore pent since there rae no other civil organization dedicated to the cause authorised provincial governments to appoint the Registrars of Co-operative peas and towed for only registered co-operatives to provide credit could be registered. - | The act was changed with the Co-operative Societies Act 1912 permitting the registration of co-operatives having other objects than only providing financing Under the Govemment of India Act of 1919, co-operatives were transferred to the provinces giving them the power to make any appropriate laws to administer and develop co-operatives The Maclagan Committee Report on Co-operation published in 1915 provided substantial and constructive proposals for co-operative development. This report played a vital role in the governmental and civil thinking Various provinces established Committees of Enquiry which ultimately promoted the co-operative movement and the passing of Co-operative Acts in several provinces In the province of Punjab, housing was the responsibility of the government through Urban and Housing Development and several trust organizations (LIT, RIT, etc.) until the 1970s at which time, commercial and cooperative developers started to do business Other housing co-operatives such as the Pakistan Employees Co-operative Housing Society Limited also received land from the state Co-operators took the responsibility of developing much needed housing by using the township approach as there was no governmental agency equipped at that time to face the challenge. To support these initiatives, the state leased out 1,400 acres of land to the union for township development In 1949, the Karachi Co-operative Housing Societies Union was founded as a central co-operative organisation by 24 primary housing co-operatives In the Pre-Partiion days, housing co-operatives had had a modest start. In the province of Sindh there were 46 housing co-operatives located in Karachi (22), Hyderabad (23) and Sukkur (1) Registrar of Cooperative Societies being the Head of the Department Pakistan inherited the cooperative philosophy and structure essentially developed for tackling the problem of rural indebtedness through the supply of credit Prior to 1976, there was three-tier cooperative credit system in the Provinces of Punjab, Sind and Baluchistan whereas in KPK _ When any dispute is referred to the Registrar's nominee or to three arbitrators for Renae is ti oe by them within two months or such further period as the zy allow the Registrar maj fe is it agai his nominee or decision. gh y decide the dispute himself or refer it again to KCHSU was established on January 25, 1949 under the West Pakistan Cc ative Societies Act Vil of 1925 to help th fo end lasses of ie fon Sree te iat ee 2 hee fhe acquisition and lease of land from the The Registrar, by Special order to be notified in the Provinci h e Provincial Gazette may appoint any person to perform the duties of his nominee for disputes arising in any the or ‘more coopere le ir f aera : ; Fre jooeles within any area specified in the order for a period to beUmi Guide 7 Vv v CAPSULE--.6 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW The Registrar or his nominee and the arbitrators shall have power to order the expenses of determining the disputes, to be paid out ofthe funds of the society, or by such party or parities to the dispute as they think fi. According to a scale lay down by the Registrar. The Registrar or his nominee shall record a brief notice in English or in vernacular of the evidence of the parties and witness, who attend, and upon the evidence so recorded, and upon consideration of any documentary evidence produced by either side, @ decision or award, as the case may be, shall be given in accordance with Justice, equity and good conscience, and shall be reduced to writing. {any party duly summoned to attend falls fo appears, the aispute may be decided ex- parte. In cases where three arbitrators are appointed, the opinion of the majority shall prevail. In case of equality of votes, it shall be decided by the Registrar himself. In proceeding held under rules 32 to 35, no party shall be represented by a legal practitioner. Subject to the provisions of Section 59 of the Act, the Registrar may by an order in writing specially authorize any officer of the Cooperatives Department not below the rank of a Sub-Auditor or a Supervisor of supervising union to call for and send arbitration order obtained by any society for execution When recovery of arbitration awards is made by vilage officers, the Registrar shall hhave power to order the expenses of such recovery to be paid out ofthe society or by such party or parties in default as he may think fit according to a scale laid down by the Registrar. A Liquidator has Seen appointed under Section 47, the following procedure shall be adopted, Ths appointment of the Liquidator shall be notified by the Registrar in the Provincial Gazette, The Liquidator shall at once take charge of the book and property and assets of the society and publish by such means as he may think proper a notice requiring all claims against the dissolved society to be notified fo him within two months of the Publication of the notice. The Liquidator shall make separate orders against the various members and past members of the society, noting the amount to be realized from each as a contribution The Liquidator shall submit quarterly progress report to the Registrar in such form as the Registrar may require. All funds in the charge of the Liquidator shall be deposited either in the Post Officer Savings Bank or in a Central Cooperative Bank, and shall stand in his name. Where recovery of the dues is made by village officers the Liquidator may pay to such officers, remuneration at the rate of one per cent of the amount collected by such officers. The Registrar shall fix the amount of fee, any to be paid to the Liquidator. The record of a society that is being wound up shall be kept in such place and by such person as the Registrar may direct.r When recovery is made under Section Imi Guide ‘59 in execution of any order referred fo in the nid in such execulion the Registrar may order any party in default according to a scale five por cenlum of the amount ofthe said section, and the property is not so the expenses of such recovory (0 be paid by laid down by hin not exceeding in the aggregate dues. When an order directing a society to be wound Liquidator 1s appointed, the offcrs of the sociely which is wound up shall within 15 days of the publication of the order in the Provincial Gazette send by registered book post or railway parcel, the records and books of the sociely f0 the Assistant Registrar or hand over the same to the local Auditors. All the books and records of a society whose registration has been cancelled and the procoedings of Liquidation completed shall be destroyed by the Assistant Registrar, affer the expiry of two years from the date of the order canceling the registration of the society. On any debt which is due from a society that is being wound up, the credior may prove for interest up to the date of the Registrar's order for winding up at a rate which, in the case of the Provincial Cooperative Bank or Cooporative Bank or a District Cooperative Bank or other Cooperative Bank permitted by the Registrar to finance societies shall be the contract rate, and in other cases shall be a rate to be fixed by the Registrar and not exceeding the contract rate; ‘Summonses issued by the Registrar, or by a person authorized to hold an inquiry or to make an inspection or by the Auditor or Liquidator, or by the Registrar's nominee, under Section 58, shalt if sent for service to a Mukhtiarkar by such officer. All (fee) fines levied under Section 61 and rule 42 shall be credited to Government. ‘A summon issued by any of the officers mentioned in rule 42 may be served personally or through a Mukhiiarkar or any member of the Cooperatives Department or any Honorary Organizer or Chairman or Secretary of the society or by registered post acknowledgement paid. No person being a member of a cooperative credit society or any society dispensing credit other than a land mortgage bank or a central financing society or a sale society, shail be a member of any other sociely of a similar type without the general or special sanction of the Registrar and where a person has become a member of two of more such socielies any or all such societies shall be bound to remove him from membership upon receiving written requisition from the Registrar to that effect. Credit societies or societies dispensing credit shall not admit as members an members an unregistered firm partnership or association of individuals. The Registrar shall hawk ower to expel from any registered society a member who in ihe Registrars opinion persistent defaull or wh predic! fo te inereat ihe covery or who does any act prejudicial to The Registrar shall keep a register of the names and addre: istered rN sses of all registeret societies and shall record a copy of the registered by “ ibsequen amendments to the bye laws of seh societies, 4 ve dws’ an S109 The period of suspension specified in an time t0 time be extended by the Registrar. order under sub ra (1) may rom All powers and duties of the committee shall, a i ions be |, during the period of super-sessions exercised and performed by such person or persons not i the Registra! may from time to time appoint in this behalf. peson exceeding 9 28 : On the expiry of every 2 year period, if the order of suf is i a Me i, 1er-session is still in force, fre appointment of person or persons shall be made iy te Registrar for a period of 2 up is issued under Section 47 and noUmi Guide 9 ‘years or for the period during which the order of super-session is in force whichever is less. % In the case of the Provincial Cooperative Bank, the appointment of a person or persons under any of the foregoing sub rules or the filling of any vacancy shall be made by the Registrar with the previous approval of the Provincial Goverment. > The business of every registered society shall be managed by the committee subject to the provisions of the Act and these rules and subject fo such byelaws not being inconsistent with the Act or these rules as have been passed in general meeting and registered under the Act; but no byelaws registered under the Act, shall invalidate any prior act of the committee which would have been valid if that byelaws had not been registered. > The committee shall take such security from servants and officers of the society as the committee may decide with the sanction of the Registrar. > If, in the opinion of the Registrar, the number of persons who are employed by a committee as officers or servants or whom a society proposes to employ or the remuneration assigned by the committee fo those persons or to any particular person is excessive the committee shall, on the requirement of Registrar, reduce the number of the said persons; or the remuneration of the said person or persons. > — Notwithstanding anything contained in the byelaws of any society, except societies with unlimited liability and those having less than Rs, 20,000/- paid up share capital, a committee shall not sanction a loan in any form to a member of the committee or to an officer or servant of the society without the prior sanction of the Registrar. > The committee of every bank shall frame rules with the sanction of the Registrar to regulate the grant of loans to members of the society. > — In cooperative banks and in such societies as, have a paid up share capital Rs. 20,000/- or above no members of the society shall be on the Committee. > A sociely may, with the previous sanction of the Registrar, invest its funds or any portion thereof in the purchase of lease of land or buildings or in the construction of buildings reav’ired for the documents of its business. > The rammittee of any cooperative bank or society have a working capital of over rupees one lac, shall frame rules for regulating the appointment, removal, dismissal and promotion of its employees. > — Bye-laws means by-laws registered under this Act and for the time being in force and includes a registered amendment of such by-laws. + Committee means the Committee of Management or other directing body to whom the management of the affairs of a society is entrusted. > Financing Bank means a society the main object of which is to make loans in cash or in kind to any other society or to an agriculturist who is not a member of a society or to both societies and such agriculturists; > — Loan includes finance as defined in the Banking Tribunals Ordinance, 1984 and all cognate expressions shall be construed accordingly. Member includes a person joining in the application for the registration of a society or a person admitted to membership after registration in accordance with the rules and by-laws applicable to such society. > — Society means a society registered or deemed to be registered or deemed to be registered under this Act. > — Registrar means a person appointed to perform the duties of a Registrar of Cooperative Societies under this Act.2 limi Guide CAPSULE---7 ONE LINER ABOUT COOPERATIVE MOVEMENT AND COOPERATIVE LAW Resource society means a society formed with the object of obtaining for its members the credit, goods or services required by them. Producers’ society means a society formed wit! e 9 of goods as the vedi property of its members and includes a sociely formed with the object of the collective disposal of the labour of the members of such society. Consumers’ society means a sociely formed with the object of obtaining and ing services for its members, as well as to other distributing goods to or of performi Wi consumers and of dividing among its members and customers in a proportion prescribed by the rules or by the by-laws of such sociely, the profits accruing from such supply and distribution. Housing society means a socicty formed with the object of providing its members with dwelling houses on conditions to be determined by is by-laws. General society means a society not falling under any of the four classes above- mentioned, The Registrar shall classify all societies under one or other of the above heads and his decision shall be final. A society formed with the object of facilitating the operations of any one of the above classes of societies shall be classified as a society of that class. For the purpose of recovering any papers, documents or books of account belonging toa society, the Registrar may issue a search warrant. Hold more than such portion of the share capital of the society, subject to a maximum of one fifth, as may be prescribed by the rules. No society, other than a sociely of which a member is a society, shall be registered under this Act, unless it consists of at least thinly members and in case of a producers’ or housing society, consists of at least fifty members and each member of a society No society shall be registered for the purpose of carrying on business as a banking society, financing bank or which uses as part of its name under which it proposes fo carry on business, the word “bank” or “banking” unless it has a paid up capital of not Jess than twenty million rupees or such higher amount, as may be prescribed and satisfies such other conditions as may be prescribed. The word “I (" ir . r eine td shall be the last word in the name of every society registered with th the object of producing and disposing radius of fifteen kilometers from the regist be decided by the Registrar, whose dean tarts fate sony tne question shat The application for registration of specifying ihe address vis panel ‘operative society Shall be made in writing The application for registration of a cooy i jon 1 perative society shall be si Ba 01 eae ft Sse nh Sees es aha cae yf saci is wi ot fe the identifications of those persons: proved af least one ofthe proposed member & ieee all not be applicable n case where| —seuiliial Jimi Guide > v v ig! ig V v Vv V The app! Tor registration of a cooperative sociely shall be accompanied, case of producers, or housing society or any other society which is likely to adversely affect the environment, approval of the competent authorily. The Punjab Provincial Cooperative Bank Lid. is an apex cooperative society to provide banking and credit facilities in the Cooperative Sector. The Punjab Provincial Cooperative Bank Ltd. is playing a significant role for the development of Cooperative Sector and the agricultural production in the province. Crop loans are advanced by the bank for inputs requirements to the farmers on the basis of demand collected from the societies through department. The recovery of loans is affected by the field staff of the department which ranges irom 98% to 99% per annum. The pattern of crop loaning during past three years shows an upward trend. The increase in disbursement of loan has also resulted in a sharp rise in the number of stuck up foans. Due to the positive policy and the assistance provided by the present government, the field staff of Cooperatives Department made intensive efforts which resulted in substantial recovery of stuck up loans, thus reducing it from Rs.582.551 Million to Rs.423.670 Million. The Punjab Cooperative Supply & Marketing Federation is avother apex society which provides quality agricultural inputs to the farmer members of cooperative societies. The Punjab Cooperative Si ly & Marketing Federation society is providing due services to the members of cooperative societies. It eamed a profit of 28.12 lac by supplying fertilizer at the farmer's door step. The federation has also provided tractors at reserve price to the farmers and contributed its share in the increased agricultural production of the province. During last three years position is as under: The West Pakistan Cooperative Consumers Society (COOP) was established in October 1962 with financial and technical help of Government of Denmark. The main objective of The West Pakistan Cooperative Consumers Society (COOP. s fo supply consumer goods of daily use at cheaper rates. The essential commodities are purchased, cleaned, processed, packed and supplied to consumers through 18 sale outlets of the society. There are fourteen outlets in Lahore and four outlets in Faisalabad, however, the project could not take off due to the following factors: Now, due to the intervention of the Government and the policy device for the COOP, it has regained momentum and started searing project out of its business activities. Cooperative Housing Societies are providing residential facilities to their members. Presently there are 293 Cooperative Housing Societies in Punjab which are contributing a lot in developing housing colonies in major urban cities of Punjab. Following steps have been taken during the last year to bring improvement in the working procedure. Collection/consolidation of date to know and access the working and performance and to properly supervise guide them. Formulation of new Byelaws for uniformity and to protect the interest of members of Such Societies on the basis of experience gained in the foregoing year. Strengthening of staff in housing sector cope with supervision and guidance. Reference filed in National Accountabilty Bureau against individuals who were fesponsible for misusing funds.= \ \ v V ¥ \ Umi Guide ‘erative Union 1s the oldest institution working in the Cooperatives tablished in 1918, and has membership of over 17,000 membership is open for all the registered cooperative The Punjab Coop: Department. It was es cooperative societies. IIs societies of Punjab. jab Cooperative Union provides education and necessary guidance to the The Punj member sociaties. Besides, it promotes awareness about the cooperative movement among the general public. The Education and Training Wing of the Cooperative Department in Punjab comprises of a Cooperative Training College al Faisalabad and a Regional Cooperative Training Institute at Bahawalpur. The Cooperative Training College Faisalabad is a premier training institute and provides institutional training to the staff of the Cooperative Department and employees of Cooperative Organizations like the Punjab Provincial Cooperative Bank, Cooperative Farm Centers, Colony Cooperative Farming Union and Housing Societies. Trainees from other countries also partiojpate in training programs offered by the Cooperative Training College, Faisalabad. A separate Directorate for Cooperative Education in collaboration with Agricultural University Feisalabad has been setup to extend more educational facilities. The West Pakistan Cooperative Board was established in 1962 under an Ordinance to: + Promote the organization and development of cooperative societies + Cany ‘out survey of new projects in the cooperative field + Arrange for research and collection of statistics Various schemes were launched by the board for the development of Cooperative Movement for the enhancements of agricultural input and marketing of the products. At present, following two projects are controlled and administered by the Secretary to the Government of Punjab, Cooperatives Department as its Administrator, which are as follows: + Cooperative Stores Project, Islamabad + Cooperative Farm Service Center, Rahwali Cooperative Women Societies have also been organized in the province for endorsing thrift, providing small credit and imparting necessary (echnical training(knitting, stitching, embroidery etc.) to their members. There are 1095 Women Cooperative Societies and their members have created around Rs. 1.92 Lac as savings. There are 1490 Industrial Cooperative Societies which are engaged in the production of various industrial commodities like surgical instruments, sport goods, leather goods, steel goods, cycles and motor cycles. The society meets the 80% market demands of the oyele in the country. ii has also manufactured Sohrab Motor Cycle in collaboration with China cid has plans to introduce auto rickshaw as wellImi Guide 2 eixcouemon TO COOPERATIVE SOCIETY Definitions According to ICA: A co-operative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointl-owned and democratically-controlled enterprise. According to UWCC: A cooperative is a business voluntarily owned and controlled by its member patrons and operated for them and by them on a nonprofit or cost basis. It is owned by the people who use it. Another Definition: There is no legal definition of a ‘co-operative’. A co-operative is a system based upon the philosophy of equality, equity, and mutual self help, These principles of co-operation are outlined in the "Statement of Co-operative Identity’. A co-operative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly-owned and democratically controlled enterprise. Values 1 2 L, _F Co-operatives sare based on the’ s Jot self-help, self-responsibility, ian equally, equity, and solidarity. In the traction of their founders, co-operative members Believe in ‘Thelethicat-vaiues of honesty, openness, social responsibility, and caring for others Principles The co-operative princioles are quidelines by which co-operatives o values into practice. Voluntary and Open Membership: Co-operatives are voluntary organisations, open to all persons able to use their services and viling to accept the responsibilties of membership, without gender, social, racial, politcal, or religious discrimination. Democratic Member Control: Co-operatives are democratic organisations controlled by their members, who actively patcipate in setting thelr policies and making decisions. Women and men serving as elected representalives are accountable to the membership. In primary co-operatives members have equal voting rights [one member, one vote] and co-operatives at other levels are also organised in a democratic manner.mi Guide 4 ry ‘Member Economic Participation: Members contribute equitably to, and democratcaly contol the capital of noo operate. Atleast oat ol hal capa usualy inaopon se et he ee he Menten ited compensation, if any, on : ‘ embers sae sures rary ef ie flown purposes dereoong ther one ssi by seting up reserves, part of which a east would be indivisible, benefiting 1 mnbelsh proportion (Ihe ansectons wih the co-operative; and supporting other a PP " the membership. Autonomy and Independence: Co-operatives are autonomous, self-help organisations controlled by theit members, If they enter into agreements with other organisations, including governments, or raise capital from external sources, they do so on terms that ensures democratic control by their members and maintain their co-operative autonomy Education, Training and Information: Co-operatives provide education and training for their members, elected representatives, managers, and employees so they can contribute effectively to the development of their co- Operatives. They inform the general public - particularly young people and opinion leaders - about the nature and benefits of co-operation Co-operation among Co-operatives: Co-operatives serve their members most effectively and strengthen the co-operative movement by working together through local, national, regional, and international structures. Concern for Community: ‘o-aperatives work forthe sustainable development of their communities through policies approved by their members Today over 120 years after the movement was founded, under the umbrella of the International Co-operative Alliance, the co-operative movement boas's over 800 million members world-wide in over 100 countries, “Co-operatives contribute directly to improve the Standards of living of half the World's population,” 1 The term cooperation is derived from (b) ‘To stand’ which word? (ce) ‘To work’ ef” cooperari (8) Nor i aren , (4) None of these (6). cocoperari A Cooperative soriciy works on the ri I sel as: (4) None of the above (ar Heal epasvelas The term cooperation is derived from the (0) Saciice \Word of wich language? (6) Society ‘atin ee (d)_ None of the above tee The motive of cooperative society is to (A) None of the above The word co means Means what? (a) ‘To organize’ with’ and operari Provide ___to the members. (a)Service (b) Loans (c) Interest (4) None of theseImi Guide 5 6. 10, Wh They have a separate ___ from the members. Legal entity (b) Marketing (c). Middlemen (d) None of these Who is known as cooperative movement? {§ Robert Owen {b) William John (¢) William King (@) None of these Those who want to work together with some common economic objective can form a sociely which is termed as (a Cooperative society (b) Organizations (0) NGOs (d) None of the above What is the significance of Cooperative societies ina country like Pakistan? (@) It is an organization for the poor, illterate and unskilled people (b) It is an institution of mutual help and staring (©) It soflens the class conflicts and reduces the social cleavages (d) It reduces the bureaucratic evils and follies of political factions (e) It overcomes the constraints of agricultural development the father of 12, 13. 14, 15. () WW creates conducive environment ~ r small and cottage industries Ail of the above In agriculture, there are broadly three types of cooperatives (a) @ machinery pool (b) 2 manufacturing _/ cooperative (C)_a credit union (@}Allof the above Bye-laws of the sociely containing (a) Name, address and aims and Objectives of the society; (0) Names, addresses and occupations of members; {C) Mode of admitting new members (d) Share capital and its division Jef Alvof the above marketing 17. 18, 19, Cooperative Societies are Organizations that are registered under the. (a) Cooperative Societies Act 1924 {bY Cooperative Societies Act 1925 (c) Cooperative Societies Act 1927 (@)_ None of the above There are certain organizations which undertake business activities with the prime objective of providing service to the members. These organizations are called (a Cooperative society (b) Organizations (o) NGOs (d)_ None of the above is @ voluntary association of individuals having common needs who join hands for the achievement of ‘common economic interest and its aim is to serve the interest of the poorer sections of society through mutual help (a) Cooperative society (b) Organizations (0) NGOs (d)_None of the above Cooperative Societies are formed to provide service rather than maximizing: (a) Capital (o) Corporation (of Proft______{d)_Loans AXProducers’ Cooperative Sociely can be formed under the Cooperative Societies Act, 1925, with minimum (b) 20 dey 30 (d) 40 In which year the Karachi Cooperative Housing Societies Union was founded s a central Cooperative organization by 24 primary housing Cooperatives? (a)_ 1952 (b) 1954 foyi949 (d) 1942 What is in first article of bylaws of cooperative society? (a) Name (b) Address (6), Jurisdiction Allof the above Coop Store Lahore and Coop Sioreq % Imi Guid Faisalabad are examples of join hands for the achievement Consumers’ Cooperative Society ‘common economic interest. Its aim is jg (0) Producers’ Cooperative Society serve the interest of the poorer sections (c) Cooperative Marketing Society of society through mutual help (4) Cooperative Credit Society (ayCooperative Society 20. Head Office of Balochist al (0) Government Society Cooperative Departmentsis located at {c) Insurance society (ey Guetta (0) Islamabad (@)_ None of he above ; (co) Multan (d) Rawalpindi 28. The Employees’ Housing Societies ang 21. Head Offi cial canal View Housing Cooperative Society Cooperative Departments is located at are examples of (3) Lahore (0) Islamabad (a) Cooperative Farming Society (o) Multan (a) Rawalpindi (b}_ Producers’ Cooperative Society 22. What are the grounds for Cancellation of ef” Housing Cooperative Society Membership of society member? > (0) _None of the above (2) In case of death or becoming (29,) A flousirig Cooperative Sociel) can be insene. formed under the Cooperative Societies (b) Abandoning residence in the ‘Act, 1925, with minimum members are business area (ey50 (b) 80 (c)_ On bankruptcy —~ (_20_ (a) _40 lay" Allof above & p ming Sociely can be 23, The Cooperative society suffers due to formed under the Cooperative Societies limited capacily of members to contribute: (a) Capital {b) Money (@) 40 (c) Corporation (d)-_Loans 31 of the society containing the 24, Slate whether the following statements following about Cooperative societies is tue (a) Name, address and aims and (a) The liability of the members is objectives of the sociely unlimited (0) Names, addresses and occupations ADYt can exist for long due to a legal of members entity separate from its members (6) Mode of admitting new members, (©) The society is managed by one Share capital and its division person only, Ady All of the above (d) The society was developed first 32. Housing Cooperatives such as the time in Austria P. Employees Cooperative 25. The cooperative movement first began Housing Society Limited received land. from: fom (af England (b) Germany (6) Slate (¢) France (@) America {b) Department 26. Al least __persons having the (c). Landlord Canaay bene é contract with (d)_ None of the above ao ects like 33. Before Partition how many housing comer sae can form a Cooperatives in Karachi? 2 en (a}” 22 housing Cooperatives (9 2 ae (0) 26 housing Cooperatives a velo s (c) 34 housing Cooperatives individuals i luntary association of ()_None of the above ais having common needs who 34. Head Olfice of Sindh _Provinc!limi Guide 3. 36. v7. 38. 39, Gi ey a Cooperative Departments is located at (a) Lahore (0) Islamabad (o)*Karachi (d) Rawalpindi Characterslics of Cooperative Sociely are followings: (a) Open membership (b) Voluntary Association (e) Selthelp through operation retin above ‘A joint application along with the bye- laws of the society containing the details about the society and list of its members, has to be submitted to: (aPReaistrar of Cooperative Societies {pr Citcle_Registtar_of _Cooneralive Societies (6) Assistant Registrar of Cooperative Societies (@)_ None of the above ‘After scrutiny of the application and the bye-laws, the registrar issues a (2) Letter of Performance (0) Certificate of Registration (er Both a&b (@) None of the above Cooperative Societies are formed to provide service rather than maximizing mutual (a) Capital (b) Corporation ey Profit (¢) Loans Professional managers do not prefer to work in Cooperative societies because they do not get adequate: (a) Capital (0) Corporation def Remuneration (d)_ Organization ‘A Cooperative Sociely can be formed as per the provisions of the {@) Cooperative Societies Act, 1912 (0) Cooperative Societies Act, 1904 (c}-Cooperative Societies Act, 1925 {d) None of the above JA minimum _members_a ited to form a cooperative sociely ae. 10 (b) 30 () 40 (i) 50 The Cooperative societies Act specify 43, 44 46. 47. 48. 49. the maximum numbers _for_any “Cooperative society is, (@ 7% al (b) 100 () 5 {aT No limit of maximum numbers ‘Aller the formation of the society, the members _of Cooperative _sociely_may specfy the maximum number of members. (@ Tue (b) False Requirements for Registration are followings: (a) Application with the signature of all members (b) Bye-laws of the society (c)_ Name of all members (a) Allof the above Agriculture Cooperative society can be formed ive Societies ‘Act, 1926, with mini (a) {o} 30 (@) 40 works on the principle of self help.as.well as mutual help . {a} Cooperative society (0) Organizations {o) NGOs (d) None of the above The main objective _of__Cooperative societies is lo provide support ta the: (2)_Registrar of Cooperative societies Members of Cooperative societies (@) Secretary of Cooperative societies (a) None of the above According to United Nations World Summit on social Development, Copenhagen 1995 (a) “Cooperatives contribute directly to improve the standards of living of cone third the World's population." (b} "Cooperatives contribute directly to improve the standards of living of foe fourth the World's population.” ‘ooperatives conti improve the standards of living of fal the World's population (4) None of the above Consumers’ Cooperative societies helplimi Guide a Cooperative Departments is located at (a). Lahore (b) (o}Karachi are followings: (a) Open membership (0) Voluntary Association {c) Selthelp through joperation All of the above 36. A joint application along with the bye- laws of the society containing the details about the society and list of its members, has to be submitted to: (aP Registrar of Cooperative Societies (by Gitee_Registrar_ot Cooperative Societies (c) Assistant Registrar of Cooperative Societies (@) None of the above 37. Alter scrutiny of the application and the bye-laws, the registrar issues a (a) Letter of Performance (0) Certificate of Registration (oe Both a & b (d)_ None of the above 38. Cooperative Societies are formed to provide service rather than maximizing (a) Capital (0) Corporation ey Profit (d) Loans 39. Professional managers do not prefer to work in Cooperative societies because they do not get adequate: (2) Capital (®) Corporation fey Remuneration (4) Organization ‘A Cooperative Society can be formed as per the provisions of the {2} Cooperative Societies Act, 1912 {b) Cooperative Societies Act, 1904 (c} Cooperative Societies Act, 1925 (4) None of the above form a cooperative society are. tay 10 (b) 30 () 40 (0) 50 Islamabad (6) Rawalpindi 36. Characteristics of Cooperative Society mutual (45. rd The Cooperative socielies Act specify 43, 44, 46. 47. 48, 49. ‘the maximum numbers _ for ‘cooperative society is (@) 75 ~ (b) 100 () 5 No limit of maximum numbers After the formation of the society, the members of Cooperative society may Specify the maximum number of members, (@y Te (b) False Requirements for Registration are followings (a) Application with the signature of all members (b) Bye-laws of the society (c)_ Name of all members (ay Allof the above Agriculture Cooperative society can be med under the Cooperative Societies Ket, 1935, with minimum member (a) 25 {o- 30 (@) 40 “ works on the principle of_self- help.as well as mutual help . (a) Cooperative sociely (0) Organizations () NGOs {a) None of the above The main objective _of Cooperative societies is to provide support to the (2)__Registrar of Cooperative societies oy” Members of Cooperative societies (¢) Secretary of Cooperative societies (d)_ None of the above According to United Nations World Summit on social Development, Copenhagen 1995, (2) "Cooperatives contribute directly to improve the standards of living of ‘ne third the World's population.” (0) "Cooperatives contribute directly to improve the standards of living of && fourth the World's population.* "Cooperatives contri iniprove the standards of living of half the World's population (d)_ None of the above Consumers’ Cooperative societies help28 (wo 51. 52. 56. i Guide to eliminate ___ in the process of to function on certain cooperative distribution of goods, puindples and cooperative identity basey (a) Loans (b) Interest ‘on certain values of the Societies as a (c) Marketing (ay Middtemen whole, within the framework ofthe: The first_documented __consumer (a) Cooperative Societies Act, cooperative was founded in 65, in a barely furnished collage in Fenwick, East Ayrshire, (a) 1569 (b) 1689 {oy1769 (4) 1869 The membership of a Cooperative Society is open to all those who have @ fa" Common Economic interest (0) Social interest (c) Political interest (8) None of the above "An association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through jointly owned and democratically controlled enterprise is call Cooperative Society (b) Government Society (c) Insurance society (d) None of the above 7 are existed long before, the cooperative movement (a) Mutual insurance (b) Principles of cooperation {oy’ Botha &b (d) None of the above Cooperatives may be classified as either (a) Consumers (0) Producers (c)_ Purchasing (d} All of the above Through housing-Cooperative_societies members may get Ley cssat low rates of interest to construct their own houses (a) Loans (b) Interest ‘c) Marketing (@) Middlemen Small producers who find it dificult to sell their products individually may form _ Cooperative society to sell their produce. (a)_Loans. (b) Interest Marketing (d) Middlemen The Cooperative Societies are expected é) 61 ) 64 (b) Coaperative Societies rules (c) Cooperative Societies byelaws {27 Al of the above in the province of Punjab, housing was the responsibilty of the government through Urban and—_-Housing Development and several trust organizations until (a) 1990s (b) 1980s {ey 1970s (@) 1960s There may be rigidity in cooperative societies due to excessive control and regulation by (a) Nation (by Government (c) Organization (a) Corporation ‘A voluntary association of persons who work together to promote their economic interest is called: (af Cooperative society (b) Organizations (©) NGOs (d) None of the above Before Partition how many housing Cooperatives in Sukkur? (a) Shousing Cooperatives (b)_ 6 housing Cooperatives {ec} 1 housing Cooperatives (a) None of the above Before Partition how many housing Cooperatives in Hyderabad? (a) 22 housing Cooperatives {0} “23 housing Cooperatives (c) 25 housing Cooperatives (d)_ None of the above IFFCO is a United Arab Emirates established in 4a) 1975 (o) 1976 () 1977 (a) 1978 The books of accounts of the society are audited by auditors (a) Government (b) Company (c) Organization (a). Storemi Guide 2 65. Profit is shared amongst members on {a) The liabilty of the members is the basis of members in the unlimited business of the society. (b)The government encourages and {a} Participation (b) Marketing supports the formation of {c)_ Middlemen (¢)_ Voluntary Cooperative societies by providing iG A Producers’ Cooperative Society can subsidies and exemptions be formed under the Cooperative (0) The society is managed by one Societies Act, 1925, with _ minimum person only, members are (@) The society was developed first (a)_i0 (b) 20 4) time in Austria, {er 30 (d) 40 a) Lennoxtown Friendly Victualling Society, 67, By taking advantage of volume founded in discounts and utilizing other economies fa}1812 (b) 1816 of scale, __bing down the cost of") (@) 1818 (a) 1819 the inputs that the members purchase (72,/, Lockhurst Lane_Industial_ Cooperative from the cooperative compared with Society founded in direct purchases from commercial (e) 1832 (b) 1835 suppliers. (o) 1838 (d) 1839 (2) Agricultural Marketing cooperatives 73, Cooperatives are based on the {b}—Agricultural supply cooperatives cooperative values of (c) Workers cooperatives, (2) Sel-help and self-responsibilty, (d) None of these (b) Democracy and equality, 68. To stand witness and assist in the (0) Equity and solidarity formation of Cooperative Societies by >) .{d)~“Allof the above —_—_ Citizens as members of the “74,/ | A Resource Coc ve society can be Cooperatives Towards this end, the “~~ formed under the Cooperative Societies department shall Act, 1925, with, minimum members are (a) Disseminate information on how to fay 50 {b) 20 form and register the Cooperatives (0) 30 (d) 40 (b) Respond promptly to the proposals 75. APPCOis an example of for registration (2}__Consumers’ Cooperative Society (c) Keep up to date records of 46) Producers’ Cooperative Sociely registration and make this (c} Cooperative Marketing Society information accessible to public and (d) None of these supply authenticated copies on 76. State whether the following statements jemand about Cooperative societies is true ‘lof the above fey competent person can become 69. Name of Cooperative Society is ‘a member of a society, at anytime. mentioned in (b) The liabilly of the members is (a) Cooperative Societies Act unlimited. (b) Cooperative Societies rules (6) The society is managed by one {5} Cooperative Societies byelaws person only. (d) Allof the above {d)_ None of these 70. State whether the following statements about Cooperative societies is trueImi Guide 30 ANSWERS sale alae ]4 a[s ale af7 aj/h a} aia trelip [mal alscl[eelmzej/wd|W@aiMa aa | 22 d 23. a | 24. b | 25. a 26. b | 27. a | 26. ¢ | 2 a 30a aid | 2a | 33a | %. c | 95. 4 [36 b |e 38._c | 39. C| 40 ¢ ap [ad [43a [44d | 45. c | 45 a [47 b LAB 49. d | 50 ¢ ota |o2_a| 83 c [oa d|55 a {86 ¢ (57 ¢ 58. c | 59._b | 60. a orc [62 b [63 a | 64 a [65 a 165 ¢ | 67 0 | 68d | 69. ¢ | 70. b [71a [72 a [73d] 74 a | 75 b 176 a— a eg fie Guide ine i DEPARTMENT OF PUNJAB G coo SOCIETIES Jaw ea L Who was the viceroy of India when 6 a Cooperative Societies Department was established in Punjab? AT Lord Curzon () Lord Reading (c) Lord Irwin (4) Lord Ripon Who was the viceroy of British India when Cooperative Societies Department was established in Subcontinent? (& Lord Curzon (b} Lord Minto (c) Lord Reading (4). Lord Irwin ‘Who was the viceroy of India at the lime of enforcement of Cooperative Societies Act 19257 (a) Lord Curzon Lh Lord Reading () Lord Minto (d) None of the above Who was the viceroy of India at the time of enforcement of Cooperative Societies Act 19047 (a}-Tord Curzon (b) Lord Reading (c) Lord Minto (0) None of the above Who was the viceroy of India at the time Of enforcement of Cooperative Societies Rules1927? (a) Lord Curzon (67 Lord Reading (c) Lord Minto (3) None of the above According o recent amendment in Services rules of cooperatives what is the Grade (BPS) of District Cooperative Socipties Officer? (7 18 (b) 18 () 19 (a) 20 According © recent amendment in Se fi yo) 2 ‘7 brs peel Ces g ATIVE ge Services rules of cooperatives what is the Grade of Joint Registrar cooperative society? (a) 15 (t) 18 (17 4ay-19 According o recent amendment in services rules of cooperatives what is the Grade of Deputy Registrar cooperative society? ay (a) 18 (b) 21 (17 tay 18 According o recent amendment in Services rules of cooperatives what is the Grade of Assistant Registrar Cooperative society (a) 19 (o) 18 err @) 16 According to recent data Cooperative Society department is working in how many districts of Punjab? (a) 34 36 (@) 30 recent amendment in S tules of cooperatives what is According 0 s the Grade (BPS) of Registrar cooperative society? (@) 16 () 19 () 18 fy-20 According 0 recent amendment in services rules of cooperatives what is 1 Grade (BPS) of Sub Inspector cooperative society? =“ (at () 7 () 9 @ 12 According 0 recent amendment in services rules of cooperatives what is the Grade (Basic Pay Scale) of 2 Inspector cooperative society’ (a) 9 (or 14 (16 (4) 17Imi Guide 2 14. Which competent authonty has powers interests of the members of the to segister the Cooperative Societies? Cooperative Societies as provided in the (& Registrar Cooperative Societies (4) Cooperative Act 1925 (b) Secretary Cooperative Societies (b) Corporate laws (c) Circle Registrar Cooperative (c) Cooperative Societies byelaws Societies (a) None of the above (@) Deputy Registrar Cooperative 19. Where is the head Office of Punjab Societies Cooperative Society Department ig 15. Who enjoy equal rights of voting (one situated? person, i vote) and participate in 4a) Lahore (b) Rawalpindi decisions affecting theit cooperatives. (c) Faisalabad (@) Multan The affairs of the cooperative societies 20. Where is the head Office of the Punjab are administered by persons elected or Provincial Cooperative Bank is situated? appointed in a manner agreed by the (a)_ Faisalabad (b) Rawalpindi members (oF Lahore (a) Karachi of Cooperative societies 21. Whois the head of Cooperative Society rs of Cooperative societies Department?” (©) Secretary of Cooperative societies (a) Registrar cooperative society (@) Officers of Cooperative societies (0) Joint Registrar cooperative society 16. The economic results, arising out of the (o}“ Registrar cooperative society ns of a cooperative society, (a) Provincial cooperative society belong to its members and shall be Officer distributed in such a manner as would 22. Circle Registrar Cooperative Societies is avoid one member gaining at the also known as: expense of others, which shall be (a District Cooperative Societies achieved Officer (a) by provision for development of (0) Assistant Registrar business of the cooperative (6). Joint Registrar society (None of the above (0) by provision for common services 23. Who has power to wind up cooperative (or) house building societies who have (©) by distributing among members in achieved its purpose? proportion to their transactions with (a Registrar Cooperative Societies the cooperative Society (b) Secretary Cooperative Societies (All of the above (c) Assistant Registrar Cooperative 17. Any person on whom all or any of the Societies powers of the Registrar under the (4) Deputy Registrar Cooperative concerned Acts are conferred is Societies (a) Assistant Registrar of Cooperative 24. Who issues Instructionsidirectives for Societies the promotion of business of different (b) Circle Registrar of Cooperative type of Cooperatives? Societies (a) Registrar Cooperative Societies (c] Deputy Registrar of Cooperative (b) Secretary Cooperative Societies Societies (c) Assistant Registrar Cooperative (7 Registrar of Cooperative Societies Societies 18. The Department of Cooperation will (4) Deputy Registrar Cooperative regulate and monitor the activities of Societies Cooperative Societies to ensure their 25. Who is highest ranked officer democratic function and to protect the Provincial level in Cooperative Socily yimi Guide 26. 27. 28 29. 30, 3 3 department? {a} Registrar cooperative sociely (b) Joint Registrar cooperative society ()_ Circle Registrar cooperative society (d)_ None of the above Who is Field Officer in Cooperative Society department? (a) Inspector cooperative society (b)_ Sub Inspector cooperative society (fF Botha&b (a) None of the above Who has power to decide questior relating to disqualification regarding cessation of membership? (a Registrar Cooperative Societies (0) Secretary Cooperative Societies (c) Assistant Registrar Cooperative Societies (a) Deputy Registrar Cooperative 34 Societies Who is the competent authority to appoint the arbitrator in arbitration cases? (ef Registrar Cooperative Societies (0) Secretary Cooperative Societies (c) Assistant Registrar Cooperative Societies 36. (d) Deputy Registrar Cooperative Societies Who is ‘charge Officer of Sub Circle in ‘Cooperative Society department? (a) Inspector cooperative society (b}“Sub Inspector cooperative society (c) Assistant Registrar cooperative society (d)_ None of the above Which competent authority has powers to framefamend Cooperative Societies Rules, 1927 from time to time? 36. {a} Registrar Cooperative Societies (b) Secretary Cooperative Societies (0) Assistant Registrar Cooperative Societies (@) Deputy Registrar Cooperative Societies Cooperative societies are expected to function according to cooperative principles. 3. (2) Eight cooperative principles © (0) Three cooperative principles (c) Five cooperative principles (a)Seven cooperative principles Who is highest ranked officer at TehsiL_ level in Cooperative Society~ depatiment? (a) Registrar cooperative society (by “Assistant Registrar cooperative society (6) Circle Registrar cooperative society (d)_ None of the above ‘Who is highest ranked officer at Diyision level in Cooperative Society department? (a) Registrar cooperative society +40) Joint Registrar cooperative society (c) Circle Registrar cooperative society (6) None of the above Re-organization of Societies is a duty of: (a Registrar Cooperative Societies (0) Secretary Cooperative Societies Cooperative (c) Assistant Registrar Cooperative Societies (a) Deputy Registrar Cooperative Societies Membership in the Cooperatives, which is available, without restrictions of any social, political, racial or religious discrimination, to all persons who can make use of its services and are willing to accept the responsibilities of membership. This type of membership is called: (a) Non Voluntary membership (b} Voluntary membership (0) Permanent membership (a) Temporary membership Cooperative Societies, in order to best serve the interest of their members and their communities, shall actively cooperate in every practical way with other cooperatives at. feF Local & national levels (b) Tehsil level only (c) Village level only (a) District level only The administering of the cooperative and societies land cooperative laws at38, 39. 40. 42. sub-rircle level Inspector Cooperative Societies inspector Cooperative Societies Assistant Registrar of Cooperative Societies (4) Circle Registrar of Cooperative Societies The administering of the cooperative and societies land cooperative laws at circle level is done through a (a) Sub Inspector Societies {by Inspector Cooperative Societies (o) Assistant Registrar of Cooperative Societies (a) Circle Registrar of Cooperative Societies Sub inspector is working under the supervision of? (a}Tispector cooperative society (0) Sub Inspector cooperative society (b) (©) Cooperative @) (c) Assistant Registrar cooperative sociely (d)_None of the above 6 Who gives orders of winding up and cancellation of — registration of defunct/non-functional societies? (a}-Registrar Cooperative Societies (0) Secretary Cooperative Societies 7 (c) Assistant Registrar cooperatve(“a7,) Societies (d) Deputy Societies The Department of Cooperation has its main_objective of facilitating and strengthening the functioning of the Cooperative Societies, based on (2) Cooperative principles (b) Cooperative identity Gy Cooperative Laws af All of the above Cooperative Department administers the Cooperative Laws, which govern the functioning of the. (a Cooperative societies (0) Organizations () NGOs (0) Agreements and treaties Registrar Cooperative o 4a Registrar Coopers association of persons united voluntanty fo meet common economic, socia ang cultural needs and aspirations of the members through jointly owned ang democratically controlled enterprises is called (a} Cooperative society (b) Organizations (0) NGOs (d). Agreements ang Wiho has power to issu 2 cerficate of outstanding demands of @ society en its membership? (h) Secretary Cooperative Societies (Assistant Registrar Cooperative Societies (d) Deputy Registrar Cooperative Societies Cooperative Societies Department wes established in which year in Punjz0? (2) 1911 (oy 1918 fo}-1904 (9) Cooperative Societies Department was established in Punjab under the act? (2)_ Cooperative Societies Act 1914 ff toneane Societies Act 1904 (c) Cooperative Societies Act 1917 (d) Cooperative Societies Act 1925 The administering of the coo, and societies land cooperative laus division level is done through 2: (a) Assistant Registrar of Cooperative Societies (b} Circle Registrar of Cooperative Societies (of Deputy Registrar of Cooperative Societies (a) Registrar of Cooperative Societies The administering of the cooperative and societies lend cooperative laws a provincial level is done through 2: (a) Assistant Registrar of Cooperative Societies (b) Circle Registrar of Cooperative Societies (c) Deputy Registrar of Cooperative SocietiesQO & O 54. 56, mi Guide appoint the Liquidator of Cooperative (c) Assistant Registrar Cooperative (a) Deputy Registrar Cooperative Who is the competent authority to (d)_ None of the above appoint the auditors of Cooperative ““87/)) Who is competent authority to appoint Societies? Assistant Registrar Cooperative tay Registrar Cooperative Societies (0) Secretary Cooperative Societies (c} Assistant Registrar Cooperative (c) Assistant Registrar cooperative 35 egistrar of Cooperative Societies Sub inspector Cooper i jno is the competent authority to 3 ee (2) Registrar cooperative society (b)_Joint Registrar cooperative society Societies? fe) Circle Registrar cooperati (a}- Registrar Cooperative Societies (@) Nonectite tore oY (b) Secretary Cooperative Societios 56 Who is competent authority to appoint Inspector Cooperative Society? (a) Registrar cooperative society (b} Joint Registrar cooperative society (c) Circle Registrar cooperative sociely Societies Societies Society? (a) Registrar Cooperative Society (0) Joint Registrar Cooperative Society Societies (c) Circle Registrar Cooperative (d) Deputy Registrar Cooperative Society Societies {0}Secretary Cooperative Society Inspector is working under the Cooperative Societies Department was supervision of? established in Subcontinent in? (2) Inspector cooperative society (ey 1904 (b) 1807, (0) Sub Inspector cooperative society () 1912 (@) 1925 4ey Assistant Registrar cooperative ® Cooperative Societies Department was society established in Subcontinent under’ the (d) None of the above act? {Assistant Registrar cooperative society (2) Cooperative Societies Act 1907 is working under the surcavision of? (0) Cooperative Societies Act 1912 (a}Citcle Registrar cooperative society 46) Cooperative Societies Act 1904 (b) Sub !nspector cooperative sociaty & (€) Cooperative Societies Act 1925, 60) Who is the competent authority to society appoint the junior staff of Cooperative (4) None of the above Societies? Which competent authority has powers (a) Secretary Cooperative Societies Of Registration of amendments in the (0) Assistant Registrar Cooperative Bye-laws of Cooperative Societies? Societies (a) Registrar Cooperative Societies (e}” Registrar Cooperative Societies (0) Secretary Cooperative Societies (a) Deputy Registrar Cooperative (6) Assistant Registrar Cooperative Societies Societies 61. Who is the competent authority to (d) Deputy Registrar Cooperative appoint the Inspector of Cooperative Societies Societies? Cooperatives are based on the ay Registrar Cooperative Societies cooperative values of (b) Secretary Cooperative Societies (2) Self-help and self-responsibility (c) Assistant Registrar Cooperative (b) Democracy and equality Societies ; (c) Equity and solidarity (d) Deputy Registrar Cooperative 48)Allof the above Societies Who is competent authority to appoint 627 Who is the competent authority to36 ‘mi Guide regulate the investment of funds by Cooperative Societies as per Act Rules? (a) Registrar Cooperative Societies (b) Secretary Cooperative Societies (c) Assistant Registrar Cooperative Societies (d) Deputy Registrar Cooperative Societies 63. Cooperative principles are followings (a) Voluntary and Open Membership, Member Economic Participation {b) Education, Training and Information, Democratic Member Control {c) Autonomy and Independence, Cooperation among Cooperatives Allof the above 64, / Who is highest ranked officer at District level in Cooperative Society department? (2) Registrar cooperative society (0) Joint Registrar cooperative society (e}" Circle Registrar cooperative sociely (d) Deputy Registrar cooperative society 65. _] What islare the types of Cooperatives? (2) Worker Cooperatives (b) ‘Consumer Cooperatives (0) Producer Cooperatives (A) All of the above 86. The administering of the cooperative and societies land cooperative laws at district level is done through a (2) Sub Inspector Cooperative Societies (0) Inspector Cooperative Societies (c) Assistant Registrar of Cooperative ieties iy (af Circle Registrar of Cooperative Societies } What is/are the types of Cooperatives? (a) Resources Cooperatives (b) Purchasing Cooperatives (6)_Housing Cooperatives (@)~Allof the above 58. Which of the following is the highest rank officer in cooperative society department? 69. 70. 74. 72. 73. 74, (8) Registrar cooperative society (b)_ Joint Registrar cooperative sociy (c)_ Circle Registrar cooperative society (d)_ None of the above Which competent authority has poner of Amalgamation of Cooperative Societies? (a) Secretary Cooperative Societies (o}- Registrar Cooperative Societies {c) Assistant Registrar Cooperative Societies (d) Depuly Societies Which competent authority has powers of Division of Cooperative Societies? (a) Secretary Cooperative Societies (b) Assistant Registrar Cooperative Registrar Cooperating Societies (J Registrar Cooperative Societies (4) Deputy Registrar Cooperative Societies Who has power to verify membership in Housing Cooperative Societies fr allotment of plots fats? (F Registrar Cooperative Societies (0) Secretary Cooperative Sociaties (c) Assistant Registrar Cooperative Societies (d) Deputy Registrar Cooperative Societies Who has power to change of the name of Cooperative Societies? (a}-Registrar Cooperative Societies (0) Secretary Cooperative Societies (c) Assistant Registrar Cooperative Societies (4) Deputy Registrar Cooperative Societies Who has power to issue directions to certain societies for successful conduct of business? (a) Secretary Cooperative Societies 40} Registrar Cooperative Societies (c) Assistant Registrar Cooperative Societies () Deputy Societies Who has power to summon and examine documents and persons of @ Registrar Cooperativetii Guide 18. 76. 77. 78. 79, Cooperative Society? {@) Secretary Cooperalive Societios 4o}-Registrar Cooperative Societies (o) Assistant Registrar Cooperative Saciaties (¢) Deputy Societies Who has power to ensure maintenance of accounts and books by a Cooperative Socity? (a) Secretary Cooperative Societies fo}-Registrar Cooperative Societies Registrar Cooperative (c) Assistant Registrar Cooperative Societies (8) Depuly Registrar Cooperative Societies Which competent authority has powers to approve proposals for enrolment, resignation and cessation of membership in Housing Cooperative? (a) Secretary Cooperative Societies Jb} Registrar Cooperative Societies (6) Assistant Registrar Cooperative Societies (@) Deputy Registrar Cooperative Societies Which competent authority has powers of settlement of disputes of Cooperative Societies through the process of arbitration? (ay Registrar Cooperative Societies (0) Secretary Cooperative Societies (0) Assistant Registrar Cooperative Societies . (d) Deputy Registrar Cooperative Societies Who is Incharge Officer of Circle in Cooperative Society department? (a) Sub Inspector cooperative sociely (0) Assistant Registrar cooperative sociely (6 inspector cooperative society (d) None of the above Which competent authority has powers of settlement of disputes of Cooperative 80. 81 g 83. ey 7 Societies through the process of arbitration and preparation of panel of Arbitrators? (a) Secretary Cooperative Societies (b) Assistant Registrar Cooperative Societies 407” Registrar Cooperative Societies (@) Deputy Registrar Cooperative Societies Who has power to issue directions and guidelines for execution of housing project of the society? (a) Secretary Cooperative Societies (b) Assistant Registrar Cooperalive Societies ey" Registrar Cooperative Societies (4) Depuly Registrar Cooperative Societies Who has power to change form and extent of liability of cooperative societies? (2) Secretary Cooperative Societies (b) Assistant Registrar Cooperative Societies Registrar Cooperative Societies Depuly Registrar Cooperative Societies Which of the following is the lowest rank officer in cooperative society depariment? (2}_Inspector cooperative society tof” Sub Inspector cooperative society () Assistant Registrar cooperative society {d) None of the above Who has power to change form and @ extent of liabilily of cooperative societies? (a) Secretary Cooperative Societies (0) Assistant Registrar Cooperative Societies (o) Deputy Registrar Cooperative Societies ay” Registrar Cooperative Societies etUSA (¢) Germany strial revolution was took place in (0) Paris France ( in Germany '@ of the above lution was took place first in Inited States of America lone of the above took place in (o) 1879 (d) 1888 ative movement began in which century? (b) (2) 18th century 4b} 19th century (o) 18theentury = (@)_ 17th ED wren Movement? 48) Robert Owen (b) Robert William {c) George William (6) None of the above The origin of cooperative philosophy is based on the writings and activities of (a) William King {b}-Robert Owen (co) George Rapp {d) None of the above : 47 Cooperation dates back as far as human ok place frst beings have been organizing for mutual benefit. In alpine environments, trade et Ip! 6Umi Guide 40 could only be maintained in organized cs ee in 18327 cooperatives to achieve a useful {b). Robert Owen condition of artificial roads such as (@). George Rapp famela in (d)_ None of the above ( 3 (b) 1373 The Shore Porters Society claims tote (1673 (a) 1873 one of the world’s first cooperatives ‘8. left New Lanark to pursue other being established in Aberdeen in forms of cooperative organization and taf 1498 (0) 1558 develop coop ideas through writing and (o) 1798 (@) 1758 tecture The Cooperalive Societies Refoms (@) Wiliam King /| ~ order, 1972, was issued on (ey Robert Owen (a) 14th March, 1976 {c) George Rapp (b) 13th March, 1975 (a) None of the above (15th March, 1972 49. A-group of ____weavers and other (4) 15th March, 1974 attisans in Rochdale, England set up the The Federal Bank of Cooperative (F8 sociely to open their own store selling was established in food items they could not otherwise 4) 1972 (o) 1978 afford (ei 1976 {d) 1977 (a) 48 weavers 9, Cooperatives were introduced, in what is (b)_58 weavers today the Pakistan Republic, by the 28 weavers adoption of the ___whose aim was to (d) 38 weavers finance small farmers? South_Suburban_Cooperative Society {a) Cooperative Credit Societies Act ‘nas established in 4925 ie 14 (b) 1982 (b) Cooperative Credit Societies Adt (c) 1967 (d) 1983 4902 Robert Owen was born in Newtown, a ley-Cooperative Credit Societies Ad small market town in. 1904 (a Montgomeryshire, Mid Wales (a) None of the above (0) Panis trance Pre-industrial Europe is home tothe fist (c) London England ‘cooperatives from an context (d)_ None of the above (ey Trdustial 2 The act 1912 was changed with the Cooperative Societies Act: (a)_1943 (bo) 1947 (oy 1925 (a) 1948 ‘The Maclagan Committee Report on Cooperation published in: fa) 1933 (oyi915 (c) 1914 (d) 1910 The Cooperative Societies (Reforms) Order (Punjab Amend-ment) Act, 1973 ‘was enforced on: ay 8 February, 1973 (b) 13" February, 1674 (c) 18" February, 1775. (4) None of the above (b), Agricultural (oy Society (d)_ None ofthe above In 1761, the-Fenwie Weavers’ Sos wa formed ‘Fenwick, East Ayrstié Scot!ai to sell (@) Discounted grain meal to be workers, (b) Discounted rice meal to lo workers {o}~Discounted workers (d) None of the above In 1810, Welsh_ social reform Quen, from Newtown in mid- Wales oatmeal to loc! x Reet ond