Remove LMDC BADDANG PROGRAM or make it optional
The BADDANG PROGRAM is good.
However,contribution amounting to P984.00 this year is already burdensome to members especially those with below P20, 000.00 share capital. Added to the MAS/MAF (Death Aid) contribution, the total deductions result to NEGATIVE DIVIDEND/PATRONAGE REFUND,meaning members have to pay the negative amounts. Nevertheless, if the Baddang Program becomes Optional, only those members who can afford will pay the yearly contribution through their dividend/patronage refund.