Presentation to Potential Members
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1 Presentation to Potential Members 2016
2 Background & Context WHAT IS A CO-OPERATIVE FINANCIAL INSTITUTION (CFI)? A CFI is the umbrella term for member based deposit taking financial co-operatives, owned and controlled by their members. who have a common bond and, whose members choose to call themselves either a Credit Union, Savings and Credit Co-operative (SACCO), Financial Services Co-operative (FSC) and Financial Cooperative (FC). The people-centred actions of CFIs, driven by volunteers and employees dedicated to serving their peers
3 Background & Context WHAT A CFI IS! A financial co-operative wholly owned by its members with open and voluntary membership to all within an accepted common bond of association; A democratically owned institution with each member enjoying equal rights to vote (one member one vote); A co-operative that provides financial services to its members; An institution that encourages savings in order to provide responsible credit and other services to its members at a fair rate whose surplus may be distributed amongst its members or towards improving services required by members. WHAT A CFI IS NOT! An institution which is owned and controlled by majority shareholders A profit driven institution, for the benefit of a few individuals A pyramid scheme An institution that provides its services to clients irrespective of whether they are joined by a common bond or not An institution that promotes or encourages reckless lending practices in order to maximise on profit for its directors
4 South African Example: IEMAS Financial Services Iemas Financial Services started as a staff loan facility within Iscor (now Acelor Mittal) in 1937 and has grown to become the largest Trade Co-operative in South Africa providing financing and insurance products to more than 550 employer groups such as Exxaro, Sasol Ltd., Anglo Coal, Avusa, Astral Foods Ltd, Medi-Clinic etc. Member benefits as part of the annual profits are paid back to members in the form of an annual member benefit distribution and they also build up a substantial savings account. In 2011, Iemas paid R95.9 million back to members. (Sources: Iemas Financial Services)
5 American Example: First Entertainment First Entertainment Credit Union (or First Entertainment) is a state chartered, natural person (retail) credit union founded 1967 for entertainment industry personnel and their families. It is a full-service financial institution with total assets (deposits) of $1,113,300,331 (approximatelyr15 Billion) in Headquartered in Hollywood, California, First Entertainment Credit Union is regulated under the authority of both the California Department of Financial Institutions (DFI) and the National Credit Union Administration (NCUA), an agency of the U.S. federal government. (Sources: First Entertainment Credit Union)
6 Canadian Example: Creative Arts Creative Arts Savings & Credit Union is a cooperatively run banking institution chartered in 2008 for the benefit of the Ontario-based members of organizations serving the entertainmentindustry. Qualified members of all Canadian arts, creative and cultural associations or employee of any of our component organizations or self employed people in the arts, including all their family members are eligible. (Sources: Creative Arts Savings andcredit Union)
7 Member Owned Co-operative Bank COMMERCIAL BANK VERSUS CO-OPERATIVE BANK SHAREHOLDERS & BOARD MEMBERS MEMBERS / SHAREHOLDERS = CUSTOMER MANAGEMENT & STAFF MANAGEMENT & STAFF CUSTOMERS BOARD MEMBERS
8 Introduction CREATIVES FIRST seeks to be a Full Service co-operative bank catering to individuals and employeeswithin the creativeand culturalsectors; and A financial co-operative that is governed by: Cooperative Banks Act; Financial Services Board; and National CreditRegulator. THE PURPOSE is to establish a co-operative bank owned by and for all employees, employers, self-employed people and their families who operate within the creative industries who use savings and lending solutions to help them build their wealth amongst themselves
9 Bank Set-Up Process Registration Register Financial Cooperative with founding 5-10 members Set-up back-end IT system, develop marketing and communication strategy Develop basic savings/transactional and investment acocunts Set-up website Member Recruitment Prepare all marketing material (member presentation, website) Recruit creative & cultural sector associations as participating partners and onboard their membership base Registration and Launch Secure the minimum requirement of 200 member and R100,000 to register as Financial Cooperative with Central Bank Development Agency Officlal Launch - September 2017 (Arts a& Culture Month)
10 The Difference Creatives First Cooperative member requirements Member Share Linked SAVINGS Account R250 R1000 per member share (once off) Minimum R100 per month contribution Earn interest on savings account as Set by and For members Earn annual dividends from member shares VS Generic Bank Account NORMAL Bank SAVINGS Account Minimum Rand amount to keep account open Earn interest on money saved in account
11 Value Added Services Unique Mortgage origination solutions for creative industries Insurance products such as group funeral, life, loan protection, income protection, home contents and motor insurance Financial education workshops (via Cooperative and participating associations) Financial Advisor access for members Unique Retirement, Estate and Wealth planning for creative industries Leisure Travel Booking (discounts on car, flight, hotels) Group Buying portal (discount savings, rewards and specials)
12 Financial Co-operative Set-Up Process PHASE ONE Legislative Requirements: Constitution Set-up IT systems and Website Delegation of authority to service provider/s Put in place saving and lending policy Show a record of member saving and minimum of R hence the saving account Register Cooperative with 5 10 founding members and 200 member PHASE TWO Member Recruitment: Marketing Material Secure creative sector association partners and their members Meet the minimum 200 members and R100,000 registration requirement Approve the business plan and budget therein Code of good conduct Sept 2017 official Launch
13 Administrators of The Creatives First Cooperative EntBanc Technologies will provide financial services, financial IT systems, administration and consultative support services to the Creatives First Co-operative. Work already done and systems available for the the Creatives First Co-operative: Signing up of first creative sector associations (Association of Entertainers South Africa); Finalisation of Constitution; Developers Creatives First website and promoters of social media; Provision of CFI administration system; Financial, business and IT professionals expertise support for financial co-operative
14 Creatives First Cooperative and EntBanc Technologies Business Relationship Members Loan plans Saving plans Interest repayments Monthly savings fee CREATIVES FIRST FINANCIAL SERVICES PRIMARY COOPERATIVE) LIMITED (For-Member Cooperative) Manage Fee paid Reserves Improve member benefits Insure member deposits Provide member-customer services Manage queries, claims & concerns Member record management Financial management Marketing & product distribution Member education Risk management & compliance Internal audit ENTBANC TECHNOLOGIES (PTY) LIMITED Provide Innovation Improve Efficiencies Build Distribution Channels Build Strategic Relationships Expand & Grow
15 Contact Details CREATIVES FIRST FINANCIAL SERVICES Beyers Office Park, Cnr Bosbok Rd & Duiker Ave, Johannesburg, South Africa tel: fax: enquiries /administration:
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