I N S I D E

2nd Quarter 2005

Kabalikat para sa Maunlad na Buhay, Inc.“Partner for a Progressive Life”

Vol. 2 No. 2Head Office: KMBI Bldg., 12 San Francisco St., Valenzuela City | (02) 291.1484 to 86 | Fax: (02) 292.2441 | www.kmbi.org.ph

IYB kicks offonceptualized to equip program members (PM) with knowledge, skills and potential in improving their businesses, KMBI’s Business Development Services (BDS) kicked-off the IYB or “Improve Your Business” training program.C

KMBI in Pan Asia Forum ...........2Human resource movements ........2PMs join the search for MOTY ...........2 Cal 2 & Bicol in action: Summer Saya 2005 ........4 A legacy of changed lives... ...........5The Servant Leader ...........6Kidapawan holds Servant Leadership Day ..........7 Coping with Stress ............7Performance at a Glance ............8

IYB combines theoretical

and experiential learning, with a

lecture on business management and

demonstration on diverse skills. The IYB

was conducted by BDS officers Hazel

Christine Rosacia and Marifel Suplemento

across Luzon and Mindanao branches,

respectively.

In Luzon, the first IYB was held on

June 4, 2005 at the Central Cavite branch.

The training was attended by some 83

PMs, almost triple of 30 pre-registered

participants. Rosacia talked about some

business management skills such as

entrepreneurship, record-keeping, cash

budgeting and making a profit and loss

statement through the “BEST Games,” a

reality-based contest where participants

simulated real life business situations.

They discovered practical tips on

how to save and invest money by playing

the colorful characters of Teddy Tipid

(miser), Tony Taipan (business tycoon),

Thelma Takaw (shopaholic) and Totoy

Talino (wise investor).

In the afternoon, Rosacia gave a

demonstration on meat processing.

Participants crowded in to watch as

she showed how to make pork tocino,

longanisa and beef tapa. Afterwards, they

were divided intro groups and processed

their own meat products.

The one-day session was only the

beginning of the IYB training series. “It is

a joy to see that the program is gradually

taking shape,” Rosacia expressed. “This

thrilling start will surely lead us towards

our goal of catering our program members

to improving and developing their skills

and enterprises.” IYB trainings were also

held in Lower Cavite, Upper Cavite and

Metro Manila South 1 branches, with the

assistance of culinary experts as resource

persons.

In Mindanao, Marifel Suplemento

conducted the first IYB at the General

Santos City - Koronadal branch. Similar

to Luzon, it involved a lecture on business

magement and playing BEST Games.

Resource persons from the Technical

Education and Skills Development

Authority (TESDA) were tapped for the

training carried out in Butuan, Davao

Province and Metro Davao branches.

In Butuan, participants learned the

art of silk-screen printing through the

expertise of Program Unit Supervisor

James Anthony Russel. Meanwhile, those

belonging to the Davao Province branch

planned to re-echo their newfound

knowledge and skills to co-members at

each center.

IYB KICKS OFF! (Top) Participants try a hand at making longganisa during the “Improve Your Business” training at Central Cavite; (Bottom) PUS James Anthony Russel of Butuan branch demonstrates the art of silk-screen printing.

2nd QUARTER 2005

2

Loreto Corpuz, Marbel, General Santos”Lory” manages Jess Peanuts, manufacturing peanut products that come in sumptuous flavors. It is fast becoming a popular name, sold, and distributed in leading stores, malls, and shopping centers in Mindanao.

Maria Jeaneta Ledesma, Metro DavaoJeaneta is engaged in the manufacturing, wholesaling and contracting of garments. She directs a roster of 30 employees, including cutters, sewers, and production staff.

Elsa Parilla, Upper Cavite Elsa is engaged in the production of “chicharon” (cracker). She currently manages 39 employees, including repacker-vendors and regular laborers.

KMBI welcomed several new staff in recent months. At the head office, Maria

Cecilia Rita Paredes has been appointed

as Administrative Unit Head. Newly-hired

employees include: Roberto Real, Admin

Assistant; Jasper Nazarro, Audit Assistant;

and Mary Grace Campaner, HR Assistant.

Exciting changes have also transpired in

the branches. Promoted to the position of

Branch Manager are Grace Villareal, Metro

Manila South 2 branch; Ma. Margarita

Robles, Upper Cavite branch; and Jerson

Solomon, Surigao branch. Meanwhile, the

newly-promoted Program Unit Supervisors

are Frederick Siapno, Legaspi branch;

Human resource movements

Melanie Cordero, Lucena branch; Randy

Bautista, Metro Manila South 1 branch;

Billy Rivera and Lailani Huerto, Metro

Manila South 2 branch; Ken Villafuerte,

Naga branch; Marion Esther Cruz, Upper

Cavite branch; and Rosely Embac,

General Santos branch. Meanwhile,

taking on new branch assignments at

the Lipa branch are Emerlyn Singson

and Luradel Barimbao.

As of June 30, KMBI is composed of 490

employees, with 457 in the operations

group and 33 in the support group. A

warm welcome and congratulations to

everyone!

KMBI in Pan Asia ForumOperations Director Edgardo Mercedes attended the Pan Asia Forum for Microfinance in Crisis Situations at Colombo, Sri Lanka. The event took place at the Hatton National Bank, from June 13-15, 2005. The forum was held in the wake of natural disasters, conflict situations and epidemics encountered by Asian countries. Sri Lanka was one of those affected by the December 2004 tsunami that caused dreadful loss of lives and damage to the environment. The tsunami destroyed roads, infrastructure, agriculture and livestock, thus affecting business and economic activities. Meanwhile, health is also a major concern, specifically the rising number of HIV/AIDS cases in India, China and Indonesia. As a collective response, microfinance institutions (MFIs) gathered at the forum to develop policies and strategies for

operating amidst crisis and natural disasters. They discussed the dual role of microfinance: enterprise development and risk management. Likewise, the forum encouraged MFIs to be well prepared in facing crisis situations, and develop products that are flexible, simple and affordable to their clients. Seeing KMBI’s significant role in addressing the needs of the poor, Mercedes suggests for the organization to continue acting as an instrumental base for other service sector institutions. He also recommends for KMBI to be more proactive in formulating policies and procedures that can be applied to crisis situations. This way, it can continue to rebuild lives, improve living conditions and restore hope and dignity of the poor.

MASIKAP NOMINEES

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Teresita Laraño, General Santos Teresita’s rice crackers are fast becoming a native delicacy in the region. Currently, her products are distributed all over Mindanao and in some areas of Visayas.

Anita Consuegra, General Santos Anita manages a business that not only yields profit, but is “environment friendly” as well. She fabricates scrap paper materials into folders, envelops and paper bags.

Concepcion Valenzuela, Central CaviteConnie’s enterprise produces ceramic products distributed all over the Philippines, and exported to countries in Asia and Europe.

PMs join the search for MOTY KMBI recently joined the Citigroup Microentrepreneur of the Year (MOTY) Awards, an annual event that recognizes outstanding microentrepreneurs nationwide. In 2002, a KMBI program

member from General Santos brought

home the award. This year, six nominees

were selected to represent KMBI.

For the Masikap Award, the

nominees are Loreto Corpuz of Marbel,

engaged in peanut production; Maria

Jeaneta Ledesma of Metro Davao,

garments manufacturing; and Elsa Parilla

of Upper Cavite, chicharon (cracker)

production.

For the Maunlad Award, two

of the nominees come from General

Santos: Teresita Laraño, engaged in

rice cracker production; and Anita

MAUNLAD NOMINEES

Consuegra, fabrication of scrap materials.

From Central Cavite, ceramic products

manufacturer Concepcion Valenzuela

was also nominated.

The program is organized by

Citigroup Philippines, in cooperation

with the Microfinance Council of the

Philippines and supported by Bangko

Sentral ng Pilipinas.

Composed of two award

categories (Masikap and Maunlad), the

MOTY is open to microentrepreneurs

who successfully started a business that

is now a reliable source of income for the

family and those whose businesses have

grown and generated employment apart

from household or family members.

The search is open to clients

of microfinance institutions in the

Philippines. For KMBI, it started its

search for MOTY nominees on May 17,

as spearheaded by BDS Officer Hazel

Christine Rosacia. A total of 25 nominees

from Luzon and Mindanao branches

joined the competition.

The nominees were screened

by a Review Committee, composed of

Operations Director Edgardo Mercedes,

managers Liza Eco and Aldy Duque of

HR and R&D departments, respectively.

On October, a total of eight

awardees will be selected by a National

Selection Committee. Cash prizes

await the winners and their respective

loan officers. Incidentally, the MOTY is

being conducted in association with the

Global Microentrepreneurship Awards,

where 34 countries are taking part to

celebrate 2005 as the International Year

of Microcredit.

2nd QUARTER 2005

4

SUMMER SAYA SNAPSHOTS. (L-R)

Calamba branch program members

lead a lively banner parade at Bucal

Elementary School on May 21; Fun games

and sports events fill

Imelda’s Park during the Legazpi branch

celebration on April 30.

By Ruel de Leon, Sherwin Arcipe, Myla Nang, Marlon Alfonso, Sucette Mabini, Chiqui de Lima

Area-wide sports and cheering events dubbed as “Summer Saya 2005” were held in Calabarzon 2 and Bicol areas, participated in by KMBI program members. From April to May, the affairs

were held in local schools, parks and

recreation centers near the respective

branches of the two areas.

The “Summer Saya” festival

aimed to foster a spirit of sportsmanship,

fun and camaraderie among program

members, according to Vencent Abraham,

Area Manager of Calabarzon2 and Bicol.

It sought to bring out the “dynamic

personality” of each one. True enough,

the KMBI entrepreneurs set aside their

hectic business schedules to participate in

the much awaited summer happening.

Bicol Loud cheers filled the Pili

Sports Complex on April 23, as program

members from Naga Unit A competed in

various games. These included basketball,

volleyball, track and field, sack race, tug-

of-war and other exciting sports events.

Similarly, program members

from Unit B gathered for the sports fest at

Sta. Cruz Elementary School on April 30.

Some branches organized games

that are uniquely Filipino. Iriga branch

staged games such as tumbang preso,

patintero, chato and hampas-palayok for

its program members at the San Francisco

Elementary School.

Local government leaders also

graced the occasion. Hon. Juanito Bañal,

Mayor of Gumaca, attended the branch

celebration at Gumaca West Elementary

School on May 14. Being the guest

speaker, he declared that “We, as people

of Gumaca, must be responsible for the

money entrusted by KMBI.” He expressed

great appreciation for the organization’s

programs and services.

Likewise, the festival provided

a great opportunity to recognize staff

and program members. On April 30, the

Legazpi branch conducted an awarding

ceremony after the contests at Imelda’s

Park. They bestowed special awards

to Best Program Members, Best Center

Leaders, Best Centers, Best Center Houses

and other categories.

Calabarzon 2 Alongside sports, each branch

held a cheering competition. Program

members from Calamba branch

showcased their talent and creativity

through singing and dancing. Having

created colorful banners to represent

each center, they featured these in a

lively banner parade at Bucal Elementary

School on May 21.

Like in Gumaca, local officials

of San Pablo attended the celebration

at Countryside Resort on May 28.

Special guests were: Emer Alcos, Sports

Committee; and Hon. Arcadi Gapangada,

Board Member, 3rd District of Laguna.

They delivered inspirational talks and

sponsored the gold and silver medals for

the sports fest.

“Summer Saya 2005” would

not have been possible if not for the

commitment and essential effort of the

Calabarzon 2 and Bicol branches. In the

words of one program assistant, “all are

winners” -- as everyone gave their best

and helped to make the festival a

huge success.

Summer Saya 2005CAL 2 & BICOL IN ACTION

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SUMMER SAYA SNAPSHOTS. (L-R)

Calamba branch program members

lead a lively banner parade at Bucal

Elementary School on May 21; Fun games

and sports events fill

Imelda’s Park during the Legazpi branch

celebration on April 30.

Area-wide sports and cheering events dubbed as “Summer Saya 2005” were held in Calabarzon 2 and Bicol areas, participated in by KMBI program members. From April to May, the affairs

were held in local schools, parks and

recreation centers near the respective

branches of the two areas.

The “Summer Saya” festival

aimed to foster a spirit of sportsmanship,

fun and camaraderie among program

members, according to Vencent Abraham,

Area Manager of Calabarzon2 and Bicol.

It sought to bring out the “dynamic

personality” of each one. True enough,

the KMBI entrepreneurs set aside their

hectic business schedules to participate in

the much awaited summer happening.

Bicol Loud cheers filled the Pili

Sports Complex on April 23, as program

members from Naga Unit A competed in

various games. These included basketball,

volleyball, track and field, sack race, tug-

of-war and other exciting sports events.

Similarly, program members

Summer Saya 2005

(Clockwise) Dr. Amelia Gonzales, BOT members and spouses sing along during the praise & worship session; Southern Mindanao branch managers present an ethnic

number on Talents Night; Branch staff take a quiz to dicover their special gifts; Dr. Pieter F. Theron speaks

about Board Governance with the BOT.

t e a r f u l

dramas and

i n s p i r i n g

m u s i c

n u m b e r s .

Each group

d o n n e d

c o l o r f u l

costumes,

headpieces

and used

props for their performances. Branch

managers from Calabarzon 2, Southern

Mindanao and Caraga also showcased

their talents.

A Commitment Service program

was held on the third day, with Noel

Alcaide as the main speaker. This was

followed by the AGM, where Executive

Director, Rosemarie Castro, presented

a summary of the organization’s

performance in 2004.

Members of the BOT decided to

retain its roster and positions for another

year, namely: Dr. Amelia Gonzales as

chairwoman; Mr. Emmanuel de Guzman,

vice-chairman; Atty. Servillano Mendoza,

corporate secretary; Mr. Aurelio Llenado,

Jr., corporate treasurer; and, Mrs. Damiana

Exiomo, Mr. Eduardo Jimenez and Dr.

Ricardo Jumawan as board members.

Special awards were given to four

employees during the closing program, in

recognition of their five years of dedicated

service to KMBI. They were: Rhanny P.

Barrera, Area Manager of Caraga; Vencent

A. Abraham, Area Manager of Calabarzon

2 & Bicol; Ma. Margarita J. Robles, Branch

Manager of Upper Cavite; and Beniefe

J. Tungala, Accounting Associate of

Kidapawan branch.

Top performers for 2004 were

also awarded: Jeanmar Labanero of

General Santos Branch for Best Program

Assistant; Enrique Maca of Butuan for

Best Branch Manager; and Harry Dalanon,

Junior Accountant at the Head Office for

Best Branch Support Staff.

AGM & Cal 1 Retreat in RizalA Legacy of Changed LivesThis year’s KMBI Annual General Meeting (AGM) was held back-to-back with the Calabarzon 1 Staff Retreat at Club Manila East in Taytay, Rizal from April 28-30, 2005. The first day witnessed a Strategic

Direction Setting session involving the

Board of Trustees (BOT) and Management

Team. Together, they planned and set

strategic goals for KMBI as it continues to

pursue its vision and mission.

The second day marked the

start of the Calabarzon 1 Staff Retreat,

beginning with a lively praise and

worship session from the music team,

with Nemwell Arzaga as the song leader.

Afterwards, a short reflection on

the theme, “Built to Last: A Legacy of

Changed Lives,” was presented by Aldy

Duque, who discussed the important role

of each person at KMBI.

The affair included specialized

training sessions. Members of the

BOT attended the Training on Board

Governance carried out by resource

speaker Dr. Pieter F. Theron. Branch

managers and key officers took part in

Human Resource Management training

led by Prof. Geodicio T. Sison of the

University of the Philippines. Meanwhile,

branch and other head office staff joined

in the Discovering Your Gifts session

done by Jenna Eduarte of Opportunity

Microfinance Bannk (OMB).

“Talents Night” was held in the

evening, with each branch performing

entertaining numbers. There were

energetic modern and ethnic dances,

CAL 2 & BICOL IN ACTION

2nd QUARTER 2005

6

“She opens her arms to the poor and extends her hands to the

needy.” - Proverbs 31:20

Twenty years ago, a woman went to the

market as part of her daily chores. She

noticed that there were some vendors

who did not have a stall of their own.

These vendors simply laid down their

goods wherever they could, calling out to

people as they passed by.

Touched by their diligence, she

asked them about their business, and

discovered that they borrowed from loan

sharks and earned only 30 to 40 pesos per

day, hardly enough to provide for their

families.

The woman set out to help them.

Stirred by a passion to lend a hand to

those in need, she started a church-based

microcredit service program.

From these humble beginnings,

the Kabalikat para sa Maunlad na Buhay,

Inc. (KMBI) was born. The rest is history.

Today, this woman continues to serve the

poor. She is none other than Dr. Amelia

Gonzales, the concurrent Chairwoman of

KMBI Board of Trustees.

Dr. Gonzales is the third child of

Aurelio Llenado, Sr. and Abigail Castro.

Born and raised in Valenzuela, she grew

up with seven other siblings, including

Aurelio Llenado, Jr., treasurer of KMBI

Board of Trustees, as the eldest.

In 1962, she graduated with a

degree in Medicine at the Manila Central

University, and had her residency training

in Obstetrics & Gynecology at Mary

Johnston Hospital.

It was during her college years

that she met her husband, Dr. Angelito

Gonzales. They were married and

blessed with four children. Sadly, he

passed away in 1983, after many years of

wonderful marriage. Today, Dr. Gonzales

loves to spend quality time with her six

grandchildren.

Prior to establishing KMBI, Dr.

Gonzales spent many years of fruitful

service in the field of medicine. To this day,

she operates a clinic beside their house

in Valenzuela City. She was also actively

involved in various socio-civic and non-

profit organizations.

Dr. Gonzales gained international

recognition in 1977 when she became a

member of the Advisory Committee for

the Medical and Public Affairs Department

of George Washington University Medical

Center in the US.

Meanwhile, she has been with

the Board of KMBI for more than 19

years, providing essential guidance and

support to the organization. In 1994, she

represented the national network, Alliance

of Philippine Partners in Enterprise

and Development (APPEND) to the

Opportunity International Network Board.

Through this, she was able to promote

the Philippine network internationally

and shared its best practices to other

developing countries.

According to her, the most

influential person in her life was her

mother, whom she describes as a faithful

woman of God. “I grew up seeing my

mother’s great love for church workers,”

she said.

Inspired to be a dedicated servant

of God, she became the Chairman of the

Board of the Valenzuela United Methodist

Church. Aside from this, she also served as

president of the West Metro Manila District

United Women’s Society of Christian

Service, composed of 25 local churches.

Despite all her success, Dr.

Gonzales considers her family as her

greatest achievement. “I am grateful

because we are united in faith,” she said.

She implores her children to continue

serving God and to raise their own families

with wisdom and character.

It is said that a genuine leader has

the heart of a servant. This can be said

of Dr. Gonzales, who embodies integrity,

honesty, commitment to excellence,

productivity and genuine service.

Dr. Gonzales shares profound

wisdom in one word: joy. “J-O-Y stands

for Jesus, Others and You,” she explained.

“Jesus must be our first priority. Then,

we must learn to love others aside from

ourselves.” Spoken like a true servant!

The Servant Leader

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Coping with

STRESSSTRESS evokes physical, mental and emotional responses. Often, these are accompanied by feelings of helplessness or despair. If stress persists, the body can lead to a break down. If left unchecked, stress can lead to… distress!

The key to coping with stress is through identifying stressors in your life. It is also helpful for you to know the warning signs of stress. The body sends out physical, emotional and behavioral warning signs. Once you identify these, you can learn how your body responds, and take steps to reduce stress. The most common emotional warning signs are: anxiety, sleep disruption, anger, inability to concentrate, unproductive worry, sadness and frequent mood swings. Physical warning signs include: stooped posture, sweaty palms, weight gain or loss, and chronic fatigue. Meanwhile, behavioral warning signs are over-reaction, acting on impulse, use of alcohol or drugs, withdrawing from relationships, changing jobs often or feeling agitated most of the time. How can you reduce stress? By keeping a positive attitude. You can also bear in mind the following helpful tips:

• Accept that there are events that you cannot control. • Be assertive instead of aggressive. Assert your feelings, opinions or beliefs instead of becoming angry, combative or passive. • Learn to relax. • Exercise regularly. Your body can fight stress better when it is fit. • Eat well-balanced meals. • Rest and sleep. Your body needs time to recover from stressful events. • Don’t rely on alcohol or drugs to reduce stress.

Above all, don’t forget to nourish your spirit. Commune with God in your quiet time. Read the Bible. Sing to Him songs of thanksgiving and devotion. Develop the good habit of praying several times a day. You’ll be amazed by the wonders these can do for your mind, body and spirit. You may have a big problem that causes stress, but remember that you have a bigger God. Bear in mind what the apostle Paul wrote to the Philippians:

STRESS is caused by many things: the death of a loved one, crowds, heavy traffic, arguments,

marriage problems, deadlines, money problems or illnesses. Everyone experiences stress.

In adherence to the initiative of Opportunity International, KMBI Kidapawan branch celebrated Servant Leadership Day on May 26, 2005. Held at the office conference room, the staff invited Pastor Ervin Gatchalian from Assembly of God Church to be guest speaker for the event. He shared about servanthood and encouraged them to “continue serving with a cheerful heart.” The group sang, “I’m free to be the servant of the Lord!” among others. Branch manager Rhodora Ranque staged a lovely rendition of the song, “Make Me a Servant.” Pastor Gatchalian then led the washing of the feet, where the staff gently washed each other’s feet as an expression of love and humility. Finally, the occasion recognized the branch’s top performers. Top five program assistants are Marlon Timbal, Kristine Charol Nim, Meliza Pon, Flora Abidong and Mary Ann Rebite. Special awards were given to Kristine Charol Nim, most punctual; Bienefe Tungala, best support staff; and Chrysolite Añover, first PA to establish ten centers.

By Marco Jason Susvilla

Pastor Ervin Gatchalian washes the feet of Kidapawan branch manager Rhodora Ranque on May 26, Servant Leadership Day.

Kidapawan holds Servant Leadership Day

“Do not be anxious about anything, but in everything, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and

your minds in Christ Jesus.” (Philippians 4:6-7, NIV).

REFERENCES: NIV Study Bible, www.clevelandclinic.org

Communi-K

Editorial Adviser: Rosemarie C. Castro Exec. Director

Editorial Consultants: Edgar S. MercedesLiza D. EcoAnnalie D. ConcepcionHazel Christine Z. Rosacia

Editor: Aldy R. Duque

Associate Editor: Louise Anne P. Porciuncula

Contributors: Sherwin Arcipe, Ruel de Leon, Myla Nang, Marlon Alfonso, Sucette Mabini, Chiqui de Lima, Marco Jason Susvilla

VISION“To see people in

communities live in

abundance with strengthened

faith in God and in right rela-

tionship with their fellowmen

and the rest of creations.”

MISSION“To be a sustainable Christian

development organization

contributing significantly to a

poverty-free and Christ

centered Philippines.”

CORE VALUESRespect

Integrity

Stewardship

Commitment to the Poor

Discipline

Innovation

Excellence

OBJECTIVE“To reach 150,000

Filipino families

in 2006.”

Do you love to write? If you are an aspiring writer with a passion for conveying news, feature stories and literary compositions, Communi-K needs you! Join us in spreading the inspiring work of KMBI through news updates, success stories, essays, poems and other articles. You may send through fax at (02) 292 – 2441 or email to kmbi@pldtdsl.net.

Call for writers

TOTAL CLIENT OUTREACH: 94,587

AVE. NO. OF CLIENTS PER PA: 280.67

AVE. CLIENT TURNOVER: 7.12%

LOAN PORFOLIO: PhP 269.41 M

PORTFOLIO AT RISK: 1.78%

BRANCH PERFORMANCE RANKING

RANK TOTAL SCORE BRANCH AREA COR

(active)AVE. NO. of ACP

LP(Php

- Million)

PAR(%)

AVE.CTO(%)

FSS(%)

OFC. MGT. FPA TRANS

1 23 Central Cavite

Cal 1 5,042 336.13 18.08 0.00 5.66 170.13 2.5 2.5 3

2 21.5 Kidapawan S. Mindanao 4,723 337.36 11.67 0.00 4.40 154.09 2.5 2.5 2.5

3 21.5 Metro Davao

S Mindanao 4,653 332.36 14.48 0.00 5.83 183.22 3 2.5 2

4 21.5 Naga Bicol 4,246 303.29 11.64 0.00 6.69 150.72 2 2.5 3

5 20.5 Butuan Caraga 4,284 306.00 16.46 0.00 9.54 175.60 2.5 2 3

ORGANIZATIONAL PERFORMANCE

Central Cavite tops in branch performance Central Cavite branch ranked first in the branch performance evaluation with a total score of 23. In second place is Kidapawan branch, followed by Metro Davao and Naga branches. Though they all scored 21.5, Kidapawan outweighed them all in terms of client outreach, average number of active clients per PA and least amount of client turn-over. Following closely is Butuan branch in fifth place, with a score of 20.5. Scores were based on a set standard of quantitative and qualitative indicators, covering branches that are already viable. Notably, Kidapawan, Digos and San Francisco branches became viable within only eight months of operation. Kidapawan also had zero PAR since it started operating on September 2004.

PERFORMANCE AT A GLANCE 2nd Quarter 2005

Abbreviations: COR - Client Outreach; ACP - Active Clients per PA; LP - Loan Portfolio; CTO - Client Turn-over; FSS - Financial Self Sufficiency; FPA - File and Policy Administration; TRANS - Transformation

(As of June 30, 2005)

FINANCIAL SELF-SUFFICIENCY: 161.92%

OPERAT’L SELF-SUFFICIENCY: 157.71%

TOTAL NO. OF STAFF: 490

MF OPERATIONS: 457

SUPPORT GROUP: 33