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The author would like to thank Dr. Nyan Taw. Chief Technical Adviser (CTA) of PHI/89/004, whose encouragement stimulated the preparation of this document. She would like to extend her gratitude to Mr. Faustino Taclan and the Project Field Staff for supplying the vital information used in this study. And she would like to express her deep appreciation to Mr. Jose Ordonez, National Project Director, Ms. Purita de la Pena, National Project Coordinator and the officers of cooperatives from the pilot sites of Sorsogon.