Protect your cooperative from typhoons, floods, and other risks common in Cebu.
Risk Level: Critical (Jun-Nov)
Actions: Harvest before September, get PCIC insurance, maintain emergency fund, build strong storage facilities.
Risk Level: Critical (low-lying areas)
Actions: Map flood zones, build drainage, plant buffer strips, avoid riverbank farming.
Risk Level: High
Actions: Diversify crops, sign forward contracts, invest in cold storage, process before selling.
Risk Level: High
Actions: Practice IPM, use resistant varieties, coordinate spraying across members.
Risk Level: Medium
Actions: Set loan limits, use crop insurance as collateral, flexible repayment schedules.
Risk Level: Medium
Actions: Annual audits, dual signatures on checks, separate duties, CDA oversight.
Step-by-step checklist for onboarding new cooperative members.