I N S I D E

Special Issue 2005

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

Vol. 2 No. 3Head Office: KMBI Bldg., 12 San Francisco St., Valenzuela City | (02) 291.1484 to 86 | Fax: (02) 292.2441 | www.kmbi.org.ph

Celebrating 19 years of God’s faithfulness ........2-3And the award goes to...The Microentrepreneurs of the Year .......4-5Strength from within ........6 In pursuit of God’s vision ........7 Building a legacy together ........8 Institute for higher learning .......9Performance at a glance .......10 Human resource openings .......11An interview with God ......12

(Top) KMBI Executive Director Rosemarie Castro shakes hands with Atty. Alfredo Tumacder, Jr., President of Cocolife Insurance Company -- a partnership that led to the launching of Karamay sa Buhay Program (KBP). (Right) Opportunity International’s Richard Leftley gives a lecture about microinsurance to KMBI branch managers in Mindanao.

KMBI launches Karamay sa Buhay ProgramS eeking to provide clients and their families

with financial assistance in case of death, KMBI launched the Karamay sa Buhay

Program (KBP), a microinsurance product, in partnership with the Cocolife Insurance Company. The program was launched on September 19, 2005 at five pilot branches -- Central Cavite, San Pablo, Naga, Butuan and Metro Davao, before going into full implementation in all 24 branches of KMBI on October 3. During the launching at San Pablo branch, area manager Vencent Abraham presented the features of the microinsurance product. He tackled issues on poverty, economic crisis and the need for families to be prepared in case death comes. “Death is certain but time is uncertain,” he stated. Enrolment to the Karamay sa Buhay program is compulsory for all KMBI clients who are 18 to 64 years old. While the client is the principal member, she may enlist her family as dependents. For instance, married clients may sign up their spouse and members up to three children, while single clients may enroll their parents. Based on the number of dependents and premium paid by the client, benefits may range from Php 25,000 to Php 100,000. Prior to the launching of the program, KMBI tapped the expertise of Richard Leftley from Opportunity International Network. From July 26 to 29, he traveled to branches in Calabarzon, Bicol and Mindanao, and conducted a training on microinsurance. Participants included branch managers, accounting associates and key officers. Today, the program is being implemented through coordination with Edyline Ramos, MI coordinator based at the Head Office. As of November 30, five cases of death have been reported. Program members Emerina Cruz (Upper Cavite) and Purita Masilungan (San Pablo) died recently due to hypertension, while Ma. Melfa Surdao (Digos) succumbed to pulmonary complications. In Legaspi, spouses of program members Hermelina Bermundo and Edita Cimanes died of hypertension and tuberculosis, respectively. Families of Cruz and and Surdao have already claimed financial benefits, while others are currently under process.

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Celebrating 19 years...KMBI marked its 19th anniversary through a week-long affair from October 24-28, 2005. Days were filled with nostalgia, tears and laughter, tribute and prayer as people celebrated in the head office, branches and centers.

TRIBUTE & THANKSGIVING On October 26, a ribbon cutting

ceremony was held at the Head Office, as staff and visitors commemorated the anniversary as well as the dedication of the newly renovated building. Doctor Amelia Gonzales, Chairwoman of the Board of Trustees, and David Stiller, Chairman of the Opportunity International Network, did the honors of cutting the ribbon. Leading the prayer of dedication was Pstr. Jebo Banzuelo of the Christian Gospel Church. The morning ensued with a special program, with stirring messages from guests and members of the board. Everyone watched a superb audiovisual presentation, featuring KMBI’s development through the years. Gracing the occasion were visitors from partner organizations, including: Raquel Lightbourne-Coley, Opportunity International Network; Constancia Rosacia and Milaflor Morales, APPEND; Alice Ang,

Oikocredit; Edgardo Garcia, MCPI; Fidel Asinas, OMB; Alma Nunag, TPKI; Adelaida Manuel, Metrobank; and Ernie de Vega, Land Bank of the Philippines, among others. Guests also include members of the Board of Trustees: Emmanuel de Guzman, Atty. Servillano Mendoza, Aurelio Llenado, Jr. and Damiana Exiomo. Also present were program members Teresita Laraño and Maria Jeaneta Ledesma, commended for winning in the Microentrepreneur of the Year (MOTY) awards, with program assistants, Armalizha Peralta and Joyce Moreno, respectively. Towards the end of the day, Head Office staff relaxed and played some fun games. Each department also presented song numbers.

A FAMILY AFFAIR In the branches, memorable affairs transpired throughout the week, as staff brought their families to take part in office celebrations. In Naga, Bicol Area Manager Enrique Maca shared about the importance of family, describing it as “the building ground of a community towards success.” Similarly, he talked about the programs and services of KMBI, and its significant role in reaching out to the poor. Theme-inspired festivities ignited the Calabazon 2 branches, as staff donned colorful attires ranging from retro, masquerade, gipsy and Hawaiian outfits. Branch staff danced energetically to the popular “Pinoy Ako”

(Left) Dr. Amelia Gonzales, Chairwoman of KMBI Board of Trustees, shares a table with David Stiller, Chairman of Opportunity International Network. (Right) Deputy Director for Operations Edgardo Mercedes mingles with APPEND President Constancia Rosacia, Alice Ang of Oikocredit and Annalie Concepcion, Finance Manager of KMBI.

(L-R) KMBI Naga branch staff present “The Four Faces of Program Assistants”; Calamba branch staff pose with budding celebrity Christian Joaquin during the dance festival; Sta. Cruz program members showcase their talent in modern dance at the center celebrations.

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of God’s faithfulness

jingle and featured their artistic talents through other song and dance numbers. Calabarzon 2 Area Manager Vencent Abraham also delivered a short reflection entitled, “Family on Top of a Hill,” which expounded about the work of KMBI. As a gesture of gratefulness, staff brought a special gift for their loved ones. Through laughter and tears, they expressed appreciation to their parents, siblings and families who have given them unconditional love and support. Aside from family, special guests joined in the branch office celebrations. UCPB Branch Manager Liza Imperial attended the anniversary program at KMBI Naga. Pastors from local congregations were also invited to share

inspirational reflections about family.

A GRAND CELEBRATION Program members and their families joined in the excitement across all areas covered by KMBI – Calabarzon 1 and 2, Bicol, Caraga and Southern Mindanao. They carried out fun games and featured their talents through videoke singing and dancing. On the other hand, as a token of appreciation, program assistants presented brand new, uniquely designed wall clocks to each center. Finally, to close the program, they expressed prayers of dedication and thanksgiving for the families. In Calabarzon 2, a Dance Festival was

organized as a culminating activity in the branches. With bright smiles and cheerful faces, program members took part in a friendly inter-center dance competition. Participants and spectators witnessed a wide variety of dance numbers -- folk, modern and ethnic dances. Calamba branch staff experienced a double treat when they met Christian Joaquin and Dony de Guzman during the festival. The two are talented, young singers famed for their participation in a popular television show. “It was a celebration full of joy, activities and thanksgiving to the Lord for guiding and blessing KMBI,” stated Abraham.

(L-R) MOTY Awardee Teresita Laraño and Alma Nunag of TPKI enjoy the delectable meal at the Head Office party; Program Assistant Joyce Moreno and MOTY Awardee Maria Jeaneta Ledesma smile for the camera; Accounting Associate Rochelle Sablan and Program Assistant Jason Mitra presents a brand new, uniquely designed wall clock to a program member.

(L-R) KMBI Lucena branch staff are dressed in colorful, Hawaiian outfits; Sta. Cruz branch staff share a bonding moment with their families; Festive balloons of all sizes fill the San Pablo branch, featured here with staff officers and Area Manager Vencent Abraham.

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And the award goes to...

Two clients bagged major prizes in Citigroup Philippines’ Microentrepreneur of the Year (MOTY) Awards, held recently in cooperation with the Microfinance Council of the Philippines (MCPI) and Bangko Sentral ng Pilipinas (BSP). Program members Teresita Laraño of General Santos and Maria Jeaneta Ledesma from Davao City won the Mindanao Island Group Awards for Maunlad and Masikap categories, respectively. Together with their program assistants and some family members, they flew in from Mindanao to attend award ceremonies held at Bangko Sentral ng Pilipinas on October 25. Both winners received a cash prize of Php 70,000 each.

What’s more, their program assistants Armalizha Peralta and Joyce Moreno each accepted a cash prize of Php 10,000. A maker of rice and fish crackers, Laraño employs 15 people from her own community. Fast becoming a native delicacy in the region, her products are distributed all over Mindanao and in some areas of Visayas. On the other hand, Ledesma operates a garments manufacturing business, with 20 employees from her neighborhood. Her clients include the biggest mall in Davao City, two schools and other wholesale customers. Along with the two winners, four other program members represented the organization in the MOTY Awards this year: Anita Consuegra from General Santos, who fabricates and recycles scrap

paper materials; Loreto Corpuz, maker of peanut products in Koronadal City; Elsa Parilla, chicharon (cracker) production and Concepcion Valenzuela, ceramic products manufacturer, both from Cavite.

TERESITA’S RICE CRACKERS: THE MAKING OF NATIVE DELICACY

Buko pie from Laguna, pili candies from Bicol, and durian tart from Davao are among the many native delicacies found in the Philippines. In South Cotabato, “rice cracker” is now taking popularity. One of the major producers of rice crackers in the region, who hails from General Santos City, is Teresita Laraño. The success story of Teresita’s Rice Crackers takes its roots from her childhood. Born and raised in Saranggani, “Teresita”, is the 13th child of Mr. and Mrs. Venancio Laraño. Though their family was poor, she recalls a childhood filled with fond memories. The struggles and hardships she has faced in life, coupled with her deep relationship with God as instilled by her parents, molded her into the strong, valiant woman she is today. Teresita initially worked as an assistant in a beauty parlor for about two years where she acquired skills in hair styling and grooming, and saved enough money to start her own parlor. This venture proved to be successful, and in one year’s time she earned a sufficient amount for her family to travel back to Mindanao and buy a small parcel of land. In 1997, along with her five children, Teresita moved to General Santos City. It was there where she started wholesaling rice crackers. It was also there where she

The Microentrepreneurs of the Year

(Top) The busy woman in her

work wear. (Left) Holding

up her trophy during the

MOTY Awards at Bangko Sentral ng Pilipinas on

October 25.

(Right) Teresita’s famous rice crackers come in classic and tuna flavors; (Below) Employees line up the rice crackers to dry.

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The Microentrepreneurs of the Year

became a program member of KMBI. She then grabbed the opportunity of distributing her products to Davao City, Koronadal City, Tacurong, Isulan and Alabel. Being an excellent businesswoman, she generated enough income to start her own production by the year 2000. With a starting capital of PhP 450,000, she shifted from wholesaling to manufacturing of rice crackers. A production area was constructed right in the backyard of their house. Gradually, her business grew and the demand for her product increased. Customers were delighted with her rice crackers. Today, her rice crackers come in classic and tuna flavors. Teresita’s business became so successful that she is now preparing to put up another manufacturing plant on a lot she bought in Matina, Davao City. Within the year, she also intends to distribute her products to Luzon. With steadfast faith, diligence and perseverance, Teresita continues to manage a

growing enterprise. Hers is a shining epitome of Filipino ingenuity, promoting a native product beyond the community.

LEDESMA GARMENTS:SEWING WITH STYLE

We would recall in the 90’s when the Philippine garments industry faced its downfall. With courage and an eye for opportunity, Maria Jeaneta Ledesma established a garments factory in December of 2003. Jeaneta is one of KMBI’s program members from Bukana, Davao City. Besides garments manufacturing, she is also involved in wholesaling and contracting of a wide range of clothing, such as blouses, dresses, gowns, pants, corporate suits, and school uniforms. Jeaneta’s business started out with only five workers. She recalls having four sewing machines, two of which were borrowed from her mother-in-law and another two that she

acquired from her husband’s aunt. Eventually, she became a member of KMBI and used her loan to purchase additional machines. Today, Ledesma Garments boasts of a roster of 20 employees, including cutters, sewers, and production staff. Recently, Jeaneta purchased six hi-speed sewing machines to boost production. The dress shop caters finished products to NCCC Mall of Davao, NCCC Tagum and NCCC Palawan, aside from regular customers such as private

schools and several government offices in Davao. The business generates a weekly income of as much as P 20,000 to P 30,000. Jeaneta plans to open a new branch in Bankerohan, Davao City. She ensures that her finished clothing observes high quality standards. This, she believes, is the secret to maintaining a good relationship with her customers. At present, she reports that there is high demand for her services and plans to

seize this opportunity to further increase production and sales. With her superb entrepreneurial skills, she continues to pursue development and expansion of her business. A born leader, Jeaneta is highly admired and respected by the people in their community. She is married to Rex Ledesma, and they are blessed with three beautiful children: Yrikki Jake, Fabette Jane and Rex, Jr. According to Jeaneta, she derives a fountain of strength and inspiration from her family. She also believes that honesty, sincerity and trust in God is the ultimate key in achieving success.

(Top) Ladies fashions is just one of Ledesma Garments’ products; (Right) A worker inserts thread into one of the hi-speed sewing machines.

Struggles, hardships and

a deep relationship with

God... molded her

into the strong, valiant

woman she is today.

(Left) Maria Jeaneta Ledesma is interviewed by

MOTY organizers; (Below) Jeaneta

smiles for the camera during the

MOTY Awards.

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Strength from within“I’ve learned never to underestimate the potential and power of the human spirit.”-- author unknown

It all happened one day in 1997, in her hometown in Negros Island. Due to a faulty brake pedal, the six-wheeler truck they were riding on skidded and slammed against a bridge railing. The tragic accident cost both of her hands,

which had to be amputated. From then on, things were never the same for Myrna

and her family. Myrna Encabo Anfone is married to Charlton

Anfone. Both in their late 30s, they have six children: Charlton, Jr., Cherry May, Charniel, Charmie,

Charina and Charlene. A few years after the accident, they moved to Manila in search of a brighter future. Today, they are living in a one-room house at Bicutan, Taguig City. Her husband found a job as a jeepney driver. Meanwhile, she ventured into all sorts of micro businesses, buying and selling clothes, baby diapers, even preparing and cooking popular

street foods. Eventually, she learned about KMBI from a friend and decided to join, enabling her to avail of a loan for her enterprises.

Despite her handicap, Myrna works just as hard, if not better, than anybody else. Every morning, after preparing her kids for school, Myrna and her husband deliver clothes and baby diapers to customers in the neighborhood and nearby market. In the afternoon, she cooks and sells snacks from a food stand in front of their house. Her teenage children -- Charlton, Jr., Cherry May and Charniel -- help her every now and then, as they have stopped schooling due to financial constraints. Meanwhile, her youngest, Charlene, who is four years old, tags along wherever she goes, even to weekly center meetings. An active participant during center meetings and discussions, Myrna has made lots of friends and is gradually gaining confidence on herself. She endeavors to uplift the livelihood of her family, and hopefully support her children’s education through college. Now on her second loan cycle, Myrna continues to work diligently for her family, drawing strength from within amidst problems and trials. One accident may have changed her life, but it definitely did not crush her spirit.

(Top to bottom) Myrna Anfone and her “Mona Lisa” smile; With her children, Charniel, Charina and Charlene; Cooking delicious kwek-kwek, cheese sticks and fish balls is one of her business ventures.

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In pursuit of God’s vision

Vividly, Emmanuel de Guzman recalls his first encounter with KMBI many years ago. “A friend from church asked for my biodata, so I wrote it on a piece of paper and gave it to him,” he said. “Some time later, I was invited to a meeting, where I learned about the vision of reaching out to the poor, seeing them live in abundance and sharing about God’s love.” That “meeting” led to the establishment of KMBI as a non-government organization, whose incorporators included Dr. Amelia Gonzales, Aurelio Llenado, Jr., Noel Alcaide and Emmanuel de Guzman. Fondly called “Emmy” by close friends and colleagues, Emmanuel de Guzman was born and raised in Valenzuela City. He is the eldest of Pstr. Lope and Virginia de Guzman’s 12 children. As a child, he studied in Polo Elementary School and spent high school years at the Union College of Manila (now Trinity College). He then took up Bachelor of Science in Commerce at the University of the East. “Accounting has always been my favorite subject,” he shared. For over 20 years, Emmy worked in Meadjohnson Philippines, honing his gifts of leadership

“For the revelation awaits an appointed time; it speaks of the end and will not prove false. Though it linger, wait for it; it will certainly

come and will not delay.-- Habakkuk 2:3

“God continues to lead

us towards fulfilling His

mission. The vision of

KMBI now has been its

vision ever since... it

is like a jigsaw puzzle,

where all the pieces of

our vision are being put

together.”

and skills splendidly as a warehouse manager. He was also affiliated with the United Church of Polo, where he served as a lay preacher and founded the United Christian Multipurpose Cooperative in 1991. In 1957, he married Lourdes

Alabata, a lovely young woman from Naga. Together, they raised six wonderful children: Jonathan, Janet, Joel, Julius, Joy and Jocelyn. Today, almost all of them have married and established families of their own. Notably, he and his wife will soon be celebrating their 50th anniversary, together with their children and grandchildren. For more than 19 years, Emmy

has served as a Board officer for KMBI, and is currently the Vice Chairman of the Board. Despite many years of success in career, ministry and family, Emmy remains passionate and commited to serving the poor through KMBI. With a twinkle in his eye, he shared about how God has blessed the organization, testifying of His guidance and protection ever since – its early years, growth and development – and the expansion to far-flung places. “Through it all, we learned that we can overcome problems and difficulties with God’s help,” he explained. “He continues to lead us towards fulfilling His mission. The vision of KMBI now has been its vision ever since... it is like a jigsaw puzzle, where all the pieces of our vision are being put together.” Amidst all the challenges, he draws strength and inspiration from Habakkuk 3:18, where it states, I will rejoice in the Lord, I will be joyful in my God my savior. “I believe God’s hand is with KMBI,” he conveys to all staff. “Let us continue to fully trust in Him.”

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(L-R) MBA student Harry Dalanon writes his proposed topic for management research; With Prof. Pedro Macalintal (right, standing) and an Air Force staff (in uniform), students Hector Celajes, Jr., Vencent Abraham, Arthur Gonzaga, Harry Dalanon, Jay de Mesa; (seated, from left) Louise Anne Porciuncula, Concepcion Parantar, Michelle Orodio, Nessie Grace Alim, Marilyn Bandoy and Jackielyn Villamor attended class at the Villamor Air Base; Michelle Orodio jots down some important notes during class.

Building a legacy… togetherAfter the success of the Annual General Meeting and Calabarzon 1 staff retreat held this year, two major events followed suit. From July 16-17, Bicol and Calabarzon 2 staff convened for a retreat at Chateau Royale in Nasugbu, Batangas. Subsequently, the Southern Mindanao staff retreat was carried out from August 26-27 at Eden Park, Davao City. Converging on the theme, “Built to Last: A Legacy of Changed Lives,” the affairs were a time for leisure, refreshment and renewal. With enthusiasm, staff joined in energetic praise and worship sessions, workshops and listened to inspiring messages from the speakers. In her welcome message at Chateau Royale, Dr. Amelia Gonzales, chairwoman of the Board of Trustees, expressed, “We must change our lives before changing others.” Tapping the expertise of resource persons from Opportunity Microfinance Bank (OMB), each staff signed up for a workshop offered by KMBI’s volunteerism program. Dwelling on the significance of prayer, Bro. Fidel Asinas passionately led the Care workshop. Meanwhile, Donato Alcoba, Jr., Vice President for OMB Operations shared profound insights during the Teach workshop, urging his listeners to “think outside the box.”

The Arts workshop garnered the most number of participants, with talented Jenna Eduarte, a consultant from Opportunity International, as the speaker. Quoting from 1 Corinthians 12:14-16, she discussed about each person’s role in the body of Christ. “In order for us to function effectively in the body of Christ, we need to know who Christ is and recognize that we are part of His body,” she explained. Evenings were filled with cheer and excitement, as each branch showcased their artistic gifts during Talents Night. Dressed to impress in colorful costumes, make-up and props, they delivered stunning song, dance, drama and mime performances.

A Commitment Service was also held, with OMB President Noel Alcaide as the main speaker. He incited everyone to set their eyes on God, sharing that “the hope of the Philippines is in Christ, who lives in our hearts.” The staff retreats culminated with a closing program led by Rosemarie Castro, KMBI Executive Director. With a verse from Isaiah 52:7, she encouraged the staff to take good care of their feet, saying, “Together with your feet, go with your heart… in reaching out to our program members.”

“days spent during the retreat remains in our

hearts… i was reminded of our mission to touch

lives and bring people closer to god.”

- marlon timbal, program assistant

“i experienced a whole new flow of grace in

my life. i found healing that i had sought for

years...”

- noemi laranjo, program assistant

“we were so blessed through the speakers

and the worship team… the songs

seemed to touch deep within...”

- michelle farin, program assistant

(Clockwise from top) Participants choreograph an interpretative dance during Arts Workshop at Chateau Royale in Nasugbu, Batangas; Singers Hazel Christine Rosacia, Carmela Porras and Michelle Orodio liven up the praise and worship sessions; OMB VP for Operations Donato Alcoba, Jr., motivates his listeners at Eden Park, Davao City.

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Institute for higher learningKMBI’s Microfinance Success Institute (MSI) continues to soar as more students sign up for the Master in Business Administration (MBA) course offered in partnership with the Philippine Christian University (PCU) Graduate School. Professors are being sent out to teach classes at the Head Office, with 11 students; Bicol and Caraga branches with 16 students each. Teachers include the following: Faustina Rana, Carmen Hicap, Madeline Abada, Portia Salva, Denia Gonzales, Catalino Mendoza, Elzeber Murallos, Pedro Macalintal and other professors. In the Head Office, students are now on their second semester, taking up subjects such as quantitative techniques in decision making, managerial accounting and management research. Classes have also commenced in Bicol and Caraga, where students are taking up subjects on global business environment, marketing management, organization and management, and personnel and employee relations. Notably, students find immense satisfaction in taking up the course. “Most

(L-R) MBA student Harry Dalanon writes his proposed topic for management research; With Prof. Pedro Macalintal (right, standing) and an Air Force staff (in uniform), students Hector Celajes, Jr., Vencent Abraham, Arthur Gonzaga, Harry Dalanon, Jay de Mesa; (seated, from left) Louise Anne Porciuncula, Concepcion Parantar, Michelle Orodio, Nessie Grace Alim, Marilyn Bandoy and Jackielyn Villamor attended class at the Villamor Air Base; Michelle Orodio jots down some important notes during class.

MBA COURSE SUBJECTS & REQUIREMENTS:

Quantitative Techniques in

Decision Making

Marketing Management

Global Business Environment

Personnel & Employee Relations

Managerial Accounting

Managerial Economics

Organization & Management

Financial Management

Management Research

Strategic Management 1

Strategic Management 2

Production & Operations

Management

Comprehensive Exam

•

•

•

•

•

•

•

•

•

•

•

•

•

of the subjects tackle the same things we already learned in college,” explained Michelle Orodio, HR Training Associate. “However, I understand it with greater depth because we get to apply our learning to our work at KMBI.” “I decided to take up MBA to expand my knowledge and know other fields of specializations,” according to Jay de Mesa, Bookkeeper. “It’s a great opportunity for us to sharpen our skills and for personal growth.” Aside from studying, students experience some fun and sight-seeing as well. This October, Head Office staff had the rare opportunity to visit the Villamor Air Base. One of the teachers, Prof. Pedro Macalintal, was also an officer of the Philippine Air Force. After attending a class on management research, they gleefully explored the Air Force Museum, catching a glimpse of the finest aircrafts used in the country. All MBA classes are being coordinated by HR Training Unit Head Arthur Gonzaga and Training Associate Michelle Orodio, who are also taking up the course.

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BRANCH PERFORMANCE

RANKTOTAL

WEIGHTEDSCORE

BRANCH* AREA COR (active)

AVE. NO. of ACP**

LP(Php

- Million)

PAR(%)

AVE.CTO***

(%)

FSS(%)

OFC. MGT. FPA TRANS

1 11.30 Kidapawan S. Mindanao 4,916 351.14 15.00 0.00 4.22 154.80 1.5 1.5 2

2 11.20 San Pablo Calabarzon 2 4,474 319.57 9.50 0.00 2.56 141.73 2.5 2.5 2

3 11.15 Metro Davao

S. Mindanao 4,600 328.57 13.86 0.00 5.95 180.95 1.5 1.5 1.5

4 10.90 Digos S. Mindanao 4,311 307.93 12.11 0.00 5.84 144.21 2 2 2

5 10.75 Central Cavite

Calabarzon 1 4,645 309.67 10.41 0.00 6.99 173.33 1.5 2 2

Kidapawan attains No. 1 spotKidapawan ranked No. 1 in the branch performance evaluation for the third quarter of 2005, with a total weighted score of 11.3 points. As of September 30, the branch had a total client outreach of 4,916 with an average of 351 clients per PA, loan portfolio of Php 15 M and zero PAR. In second place is San Pablo, followed by Metro Davao, Digos and Central Cavite branches. Scores were based on quantitative indicators (70%) such as total client outreach, average number of clients per PA, loan porfolio, average client turn-over, PAR and FSS. Likewise, qualitative indicators (30%) such as office management, file and policy administration, and transformation were also considered.

PERFORMANCE AT A GLANCE

(3rd Quarter 2005)

Organizational Performance

(As of September 30, 2005)

TOTAL CLIENT OUTREACH: 94,700

AVE. NO. OF CLIENTS PER PA:240

***CLIENT TURNOVER: 51.85%

LOAN PORTFOLIO:PHP 238 M

***PORTFOLIO AT RISK:3.45%

FINANCIAL SELF-SUFFICIENCY:

157.02%

ORGANIZATIONAL SELF-SUFFICIENCY:

159.67%

TOTAL NO. OF STAFF:477

* Branches considered are those that are viable** Figures based on branch standard no. of PAs*** Figures for client turn-over are being reviewed 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

*** Performance Alert !!!

Client turn-over is significantly high. It shows that more than half of the overall outreach are either new clients or newly-formed centers. In the long run, this could lead to branch insufficiencies in terms of financial and operational performance. When financial income cannot cover the increasing costs over time, this could lead to branch closure.

Portfolio-at -risk is above the allowed 2% organizational PAR. This should be addressed immediately before the CAMEL Loan Provisioning Ratio is applied, which will include provisions for current accounts and those that are 1-30 days past due. Eventually, this will greatly affect branch viability.

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HUMAN RESOURCE OPENINGS Mission-driven…empowering people…touching lives… …Join us in making an impact to the nation, transforming the lives of individuals through

microfinance, training and business development services and leave a legacy of a changed lives.

We need YOU…

• Research & Development Manager - Graduate of any business course, having an MBA degree is an advantage - With 3-5 years of research experience in managerial capacity - Knowledgeable in business policies, issues and trends - Has exceptional written and oral communication skills, with strong personal values - Graduate of psychology or any business course - With proven expertise in handling personnel, office and building systems and policies - Dedicated, detail-oriented and excellent people handling and communication skills

- Aggressive and determined, willing to be assigned anywhere - Proficient in oral and written communication skills - Knowledge in auditing principles

- Adept in accounting system and principles - Experienced in general accounting, cash flow and financial report preparation and analysis - Familiar in branch to head office and head to branch office reporting

- Graduate of accountancy or any business course - Keen to details, highly organized person and dependable - With proven experience in handling office & building administration

- Graduate of journalism or any business course - With experience in conduct of research studies - Knowledge in publication, printing and lay-outing

- Knowledge in the conduct of feasibility studies, event coordination and training - Has excellent interpersonal, oral and written skills - With experience in project or business management - Willing to be assigned anywhere

All positions are for regular employment. Benefit package includes monthly rice subsidy, monthly meal, transportation and communication benefits and a chance for local and international travel.

Please submit your comprehensive resume immediately with 2 x 2 picture at KMBI Bldg., 12 San Francisco St., Karuhatan, Valenzuela City, or email at hrd@kmbi.org.ph. Contact nos., 291-1485-86 and fax no. 294-0673

KMBI

• HR & Admin Manager

• Auditors

• Accounting Associates

• Admin Associate

• Research & Development Associate/Assistant

• Business Development Associates/Assistants

VISION“To see people in

communities live in

abundance with strengthened

faith in God and in right

relationship with their

fellowmen and the rest of

creations.”

MISSION“KMBI is a Christ-centered

development organization,

existing to help in

transforming the lives of the

poor by providing

opportunities through

sustainable microfinance,

training and demand-driven

non-financial services.”

CORE VALUESRespect

Integrity

Stewardship

Commitment to the Poor

Discipline

Innovation

Excellence

GOAL“To reach 150,000

Filipino families in 2006.”

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ReflectionsThe following poem has touched the hearts and inspired millions of readers around the globe. It speaks of God’s wisdom and patience... His unconditional love and grace. So just sit back, relax, and ponder on...

An interview with GodI dreamed I had an interview with God.

“So you would like to interview me?” God asked.

“If you have the time” I said.

God smiled.

“My time is eternity. What questions do you have in mind for me?”

“What surprises you most about humankind?”

God answered...

“That they get bored with childhood, they rush to grow up, and then long to be children again.”

“That they lose their health to make money...and then lose their money to restore their health.”

“That by thinking anxiously about the future, they forget the present, such that they live in neither the present nor the future.”

“That they live as if they will never die, and die as though they had never lived.”

God’s hand took mine and we were silent for a while.

And then I asked... “As a parent, what are some of life’s lessons you want your children to learn?”

“To learn they cannot make anyone love them. All they can do is let themselves be loved.”

“To learn that it is not good to compare themselves to others.”

“To learn to forgive by practicing forgiveness.”

“To learn that it only takes a few seconds to open profound wounds in those they love, and it can take many years to heal them.”

“To learn that a rich person is not one who has the most, but is one who needs the least.”

“To learn that there are people who love them dearly, but simply have not yet learned how to express or show their feelings.”

“To learn that two people can look at the same thing and see it differently.”

“To learn that it is not enough that they forgive one another, but they must also forgive themselves.”

“Thank you for your time,” I said humbly. “Is there anything else you would like your children to know?”

God smiled and said,

“Just know that I am here... always.”

- author unknown

SOURCE: WWW.THEINTERVIEWWITHGOD.COM