The Banjul International Airport Co-operative Credit Union (BIACCU) gave more to members as loan than it received as savings in 2011.
The 1033 members of the BIACCU saved eleven million two-hundred
and fifty thousand nine hundred and fifty dalasis (D11,250,950) in 2011 and the
union disbursed eleven million five hundred and sixteen thousand one hundred
and ninety-one (D11,516,191) to members as loan during the year under review.
However, the treasurer of the Union said, with pride, that
only a little number of the members that did not benefit from its loan scheme.
At the 9th Annual General Meeting of the BIACCU
held on 17 May at the Airport, Edrissa Gassama, treasurer of the union,
said that in 2011 members’ savings did increase from D9,483,722 in 2010 to
D11,250,950 in 2011.
“This represents an increase of 19% in relative terms in
2011, which indeed is a large sum of money saved by members, and it shows
members awareness and commitment to saving,” he said.
With regard to loans, Mr Gassama said the credit union had
satisfactorily disbursed loan to applicants on the basis of first come first
serve. The loan given in 2011 represented
an increment of 19% from D9,639,303 in 2010 to D11,516,191 in 2011. “This is a big achievement for all of us,” he
added.
With the high interest rates charged by banks in the
country, members of credit unions are now resorting to loans from their unions
than going to the banks to take loan with its rigorous requirements for
collateral coupled with the prohibited interest rate.
The expenditure of the Airport credit increased by 35% in
2011 from D890,606 in 2010 to D1,201595 in 2011.
According to the treasurer, this huge increment in 12 months
is due to the BIACCU’s participation in national and international events. “A
little bit of capital expenditure was also incurred for the renovation of the
new office which is being currently occupied by our able staff,” Mr Gassama
said. “During the acquisition of this new office from the GCAA a lot of board
meetings were held to sort out some administrative issues with the GCAA, thus
the increment of board expenses.”
For his part, the chairperson of the union, Baboucarr Fatty,
said the BIACCU registered a lot of success stories during the period under
review and this was possible thanks to the total commitment and dedication
shown by the board of directors, management and staff of BIACCU.
According to Mr Fatty, the board and management of BIACCU
had shown very strong dedication and commitment during the year under
review. He said the board continued to
guide the management of BIACCU technically and always remained committed and
sensitive to the plight of its members.
On the other hand, he said, the management of BIACCU also
displayed very strong and impressive performance during the year review as
evident in the achievements registered by the union.
He pointed out that the board and management of BIACCU are
currently working on a three year business plan which is nearing completion. “This plan, when finalized, will give the
union a new direction and will further outline all the activities that we need
to undertake in our quest to put BIACCU on a very vibrant and strong financial
footing.”
Mr Fatty also said in 2011, the already existing relationship
between BIACCU and two of its sister institution – Gambia International
Airlines and Gambia Civil Aviation Authority (GIA & GCAA) - has grown from
strength to strength. “The relationship remains
very strong and will continue to remain unshakable,” he said, adding: “The two institutions have contributed
immensely towards the development of our union from its inception and they are
always committed to this course.”
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