By Bro. Ben Quiñones, Jr.[1]
1. THE BAYANIHAN CENTER IS THE FUNDAMENTAL OPERATING UNIT
· basically a Cell Group with mininum 15 members, maximum of 30 
· 5 elected officers: Coordinator, Assistant Coordinator, Secretary, Treasurer-Bookkeper, Collector supervised by an Account Officer (AO).
· The AO is the teacher- mentor- coach- dicsipler of group members.
· An Account Officer can supervise up to 15 groups a means for inculcating the guiding principles of Bayanihan Savings Program.
· Inculcate the basic values and attitude of a BC member: (1) “Maka-Diyos” (God-fearing); (2) “Masagana” (Abundant spirit/mentality, not poverty mentality); and (3) “Mapagbigay” (Generous, a channel of blessings, not mendicant)
2. COLLECTION OF PLEDGED SAVINGS IS A CORE & CONTINUOUS ACTIVITY
· Every member has a pledged savings, i.e. the amount one is willing to save and capable of saving regularly on a weekly basis.
· Depositary bank/ financial institution
· Each member has a Bayanihan passbook, updated every week
· Always maintain a collection rate of 100%. If your Group cannot collect 100% of the savings, it cannot collect 100% of any money it may loan out to members in the future.
· Your savings record is your credit record. Members who cannot save regularly are highly likely to be bad borrowers because their payment schedules are irregular/unpredictable.
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