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.