LOAN SERVICES OF COOPERATIVES AND THE SUSTAINABILITY OF LIVELIHOOD PROGRAMS TO THEIR MEMBERS IN TACURONG CITY

This study examines the relationship between cooperative loan services and the sustainability of livelihood programs among members in Tacurong City, Philippines. Cooperatives serve as vital financial institutions for marginalized communities, offering credit, savings, microfinance, insurance, and financial education. Employing a descriptive-correlational research design, data were collected from 337 members of six cooperatives categorized as small, medium, and large, using a validated survey instrument. Findings indicate high member satisfaction with cooperative loan services, particularly credit and savings accounts, emphasizing their role in enhancing financial accessibility and stability. Members strongly agree that these services contribute to improved income generation, asset acquisition, and overall well-being. Additionally, a significant positive relationship between cooperative loan services and the sustainability of livelihood programs was identified. The study also highlights challenges faced by cooperative managers, such as resource limitations and operational complexities, providing insights for strategic improvements. This research underscores the essential role of cooperatives in fostering inclusive economic growth and community development. It offers practical recommendations for policymakers, cooperative leaders, and development practitioners to strengthen cooperative frameworks and enhance the sustainability of livelihood programs.