communi-k 2nd quarter 2010

“My God is a keeper...and so I must be...” (Deuteronomy 7: 6-11) 1|

VOL 7 NO 2

KMBI

08 12

The Green Game Plan

Are You A Multiplier or a Diminisher?

Let Go of the Monsters

19 23INSIDE:

CI Like a CIA Agent

20

Pangako ng Bagong Administrasyon

Communi-K • vol. 7 no.22 |

In This Issue

VOLUME 7 • NO 2 • 2ND QUARTER 2010

Content

comm

uni-k

Tips19

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Ready For The Next Presentation?

Are You A Multiplier or A Diminisher?

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Kwento Mo Ba ‘To?The Marvelenius One!

23Updates

CBED Project conducts consultative meeting

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FeaturesPangako ng Bagong Administrasyon

Just as Promised

Encouraging Joy @ Work

The Green Game Plan

What To Do When Disaster Strikes

Leadership & Customer Service

The Secret Behind the Curtain of Success

Bigyang Proteksyon ang Iyong Pinaghirapan!

CI Like a CIA AgentNews

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CALABARZON 3 fused in two-day team building

Butuan staff participate in mangrove tree planting

MD1 conducts coastal clean-up drive

San Francisco hosts sports activity

KMBI provides corporate uniform

91% of target client outreach for 2011 reached

Customer-service focused and interactive website to launch by KMBI

ME Summit 2010 comes to Negros

5118 PMs revitalize through Summer Saya

EDD’s livelihood training reach 1346 PMs

Ecumenical Mass Wedding continually bless PMs

p.8


By the end of the second quarter, we have 70 branches all over the Philippines and have reached about 215,441 clients. That is almost 86% of our target client outreach for 2011.

The urgent challenge is how to maintain these hundreds of thousands of lives that God has entrusted to us. We do not intend to stop touching more lives in future. Hence, as we aim to see them moving forward, ensure the effectiveness of what we do and that is facilitating holistic transformation in their lives. Let us also move forward. Let us continue to learn and update our knowledge that we can share to one another.

We, as KMBI staff, are also called to be nurtured in different aspects of our lives. If we want to offer this range of development to our clients, we should demonstrate our commitment to professional development and personal growth. We should be also nurtured, transformed, reformed, and empowered for our future.

The Goal25.250 is about to end next year and we will be facing more challenges. But still, the challenge on how to maintain the thousands of lives that we have now will remain. This is our commitment to transform not only our clients but ourselves as well.

Edgardo S. MercedesExecutive Director

editorial boardEdgardo S. MercedesAdviser

Rizaldy R. DuqueEditor-in-Chief

Kris Joy G. DalanonEditor

Lea J. GatpandanAssociate Editor

Fay Lorraine AmodiaJohn Russel BarbosaCindy V. EscobinFrancis J. KongCharis Ken C. LayawanRose Ailene R. PeñaCalvin V. PerezReginold D. delos ReyesContributors

Rey R. AragonMarga N. RodriguezGraphics Design

Hector H. CelajesJefferson T. NgCirculation

For editorial, contributions, suggestions and inquiries, please contact: RM & C DivisionKabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., KaruhatanValenzuela City 1441 PhilippinesEmail: [email protected]

THE EXECUTIVE NOTE

Egay

“If we want to offer this range of development

to our clients, we should demonstrate

our commitment to professional

development and personal growth. ”

Message

The Marvelenius One!


Mayroon ka bang natatanging kwento na nais mong ibahagi?

Narito na ang KWENTO MO BA ‘TO? upang magbigay daan sa mga natatanging kwento ng mga empleyado sa operation. Anuman ang iyong posisyon...anuman ang iyong kwento mapa-drama, comedy, o action, basta’t sumasalamin sa totoong karanasan sa operation ay tiyak na pasok ang kwento mo dito!

Ipadala lamang ang iyong kwento at larawan sa pamamagitan ng email sa [email protected]

Pangako ng Bagong Administrasyon

Just as Promised

Encouraging Joy @ Work

The Green Game Plan

What To Do When Disaster Strikes

Leadership & Customer Service

The Secret Behind the Curtain of Success

Bigyang Proteksyon ang Iyong Pinaghirapan!

CI Like a CIA Agent


News Briefs

Calabarzon 3 fused in two-day teambuilding activity

Butuan staff participate in mangrove tree planting

MD1 conducts coastal clean-up drive

San Francisco hosts sports activity

Left-Right: Calabarzon 3 staff having fun with dragon relay game; Calabarzon 3 area manager Ian Aguilar, branch managers Aliver Morato, Jimmy Mendoza, and Jose Holanda, Jr. during their surprise number.

Butuan staff preparing for mangrove planting.

To build relationships and promote teamwork in a fun and challenging environment, 55 staff of CALABARZON 3 area joined in a two-day teambuilding activity with the theme, “One Team, One Goal, One Vision” at Salong, Calaca, Batangas.

To achieve the event’s objectives, they had motivational and spiritually uplifting activities such as praise and worship, short reflections by Balayan branch transformation partner pastor Joel Betis and Southern Luzon operations

Twenty Butuan branch staff participated in the mangrove tree planting on May 29 at Barangay Gosoon, Carmen, Agusan del Norte. The branch believe that mangrove reforestation is important to protect and

maintain the natural habitat and breeding grounds for fish and to protect coastal areas from erosion and storm surge during typhoons.

"We plan that this will be undertaken semi-annually to increase the number of mangroves planted. We also plan to involve our clients, at least the ones near the area, to participate in this kind of activity," Enrique Maca, Caraga area manager, said.

Caraga area is planning to include mangrove tree planting in the community service of clients, which are done prior to loan disbursements.

To give program members a day off from their strenuous business and home routines, San Francisco branch organized a sports activity, which featured traditional Filipino games at Patin-ay sports complex, Agusan Del Sur last June.

Some 518 program members from different centers participated in games such as kadang-kadang (Filipino version of stilts), sack race, tag of war, and women’s basketball game. “I have the chance to meet other program members and I am able to exercise,” said one of the program members.

The members also showed off their talents through production numbers.

Marianne Gomez, branch manager, said that they did this to give the program members something that they can enjoy and remember in time. Further, this activity will be conducted annually.

To impart the importance of cleanliness of environment and to help the community, 18 staff from Metro Davao 1 branch gathered together and cleaned the coastal area of Matina Aplaya, Davao City.

Plastic bags and candy wrappers were among the most common waste collected from the said coastal area. Elizabeth Bernaldez, MD1 branch manager, said that this is their first time to conduct such activity and they are planning to involve their program members in the future. “Next year, we are aiming to for our program members to join us in this cause,” said Bernaldez. manager Fay Lorraine Amodia. They also

enjoyed interactive activities that tested their endurance in overcoming obstacles and challenged their strategic planning capabilities. These, they say, made them see the importance of clear communication for a team to work, and helped them build trust with one another.

“We truly had fun and our spirits, bodies, and minds were refreshed by the activities,” said Juliet Manalo, Batangas branch accounting trainee.

Staff and program members during the Larong Pinoy 2010


Organizational News

KMBI provides corporate uniform

Board member Dr. Amelia Gonzales, trustee and corporate secretary Atty. Servillano Mendoza, and executive director Edgardo Mercedes together with some program members during Gapan branch inauguration and loan disbursement.

Starting September 2010 KMBI staff will don their first set of corporate uniform. This is done to enhance professionalism of employees across ranks and develop a sense of pride in representing the organization.

The Human Resource department sees the provision of corporate uniform as more than clothing benefits for the staff. “We want to establish corporate professionalism as a way to change the general perception of people working in non-government organizations. We want our staff to take pride and appreciate the work they do,” Sharon Dionco, human resources administration officer-in-charge, said.

Also, the HRD said this is done to encourage staff loyalty. “The uniform has one year holding period, meaning the staff should stay in the organization for a year, or he/she will be charged of the total cost upon resignation,” Dionco added.

Each staff will be given five sets of uniforms which will use in a span of two years.

KMBI’s client nationwide outreach has reached to 215,441 as of June 2010 or about 86% of the Goal 25.250. Edgardo Mercedes, executive director, has been very positive on reaching 250,000 Filipino household on KMBI’s 25th anniversary in 2011.

“The challenge to us is not just to meet the difference of 14% in our client outreach, but how to maintain the existing 86%. We can definitely make it, but we are not just playing with numbers but rather the holistic

Customer-service focused and interactive website to launch by KMBI

KMBI will launch its customer-focused, interactive website in August. The site, www.kmbi.org.ph, is designed to enhance KMBI’s branding as an organization. The overhauling of the website is a direct response to the current needs of the organization as it continually improves its products and services.

Marga Rodriguez, website development unit head, explained that the new website is expected to be more helpful to its clients, that is the current and potential partners, and staff. “We modified the content and

86% of target client outreach for 2011 reached

impact of the program to both internal and external clients and their family,” said Mercedes. “We are here to help our clients to be productive, accountable, responsible, God-fearing, and dignified members of the society,” he added.

KMBI has inaugurated nine new branches in Northern Luzon and Visayas operations in May. These branches

are in Angeles, Gapan, Guagua, Mabalacat, Ormoc, Roxas, Tacloban, Tagbilaran, and Talavera.

During the branch inaugurations a total of Php7.14 million was disbursed to 1,786 clients.

KMBI has an on-going consultation and focus group discussions with center presidents and staff. The said consultation aims to assess the SEES (spiritual, economical, environmental, and social) impact of the organization's program. The said consultation will be the basis for planning for the next five years of the organization after the Goal25.250.

Sharon Dionco, human resource administration officer-in-charge, checks uniforms prior to distribution to head office staff.

layout of the website to make it more user-friendly. Devotional materials will be uploaded twice a month that can help staff

Customer/p.6


Organizational News

ME Summit 2010 comes to Negros 5118 PMs revitalize through Summer Saya

In October this year, KMBI will be bringing the much awaited Microentrepreneurs’ Summit (ME) to Negros Occidental. It will have the theme “Sulong ENTREP: Lahing Kayumanggi.” Some 5,000 women microentrepreneurs from nearby localities are expected to join the said event at Victorias Sports and Amusement Center, Victorias City.

Innovated from the previous summit experiences, this year’s summit promises to push the limits of learning, excitement, and praise and worship experiences. The theme, “Sulong ENTREP: Lahing Kayumanggi” aims to encourage program members to be forward looking and to be proud of their products and capabilities as Filipino microentrepreneurs. "As a response and expression of our love for our country, we need to become responsible

Summer Saya once again revitalized 5,118 program members of eight different branches during the months of April and May. Gumaca, San Pablo and Urdaneta had their activity in April while Bacolod, Iriga, Metro Davao 1 & 2, and Naga had it in May. The said activity aimed to strengthen unity among program members and to recognize valuable contribution of their program members to the operation.

During the activity, the members were engaged in a heart-felt praise and worship followed by a short reflection given by their partner pastors. They had fun under the sun while cheering for their team as they competed in various contests such as search for Gng. KMBI, parlor games, cooking, cheering, and talent contests, raffle draws, and most of all recognition for outstanding program members/officers and centers.

microentrepreneurs working towards business growth and development,” said Liza

Eco, ME Summit director.The summit will

feature an ENTREP forum where seasoned

speakers and experts will talk on the topics Negosyo

Plus, Keep it Green, Health Watch, Women as Entrepreneur, Women in the

Family, and Women in the Community. During the event, outstanding women microentrepreneurs will be acknowledged through KMBI Entrepreneur of the Year program and participants will be entertained by local artists.

This year's Tulong Sa Negosyo raffle will also help more women microentrepreneurs. There will be ten winners of major prizes of Php100,000 and 50 winners of minor prizes with Php10,000. Winners will be from Northern Luzon, Southern Luzon, National Capital Region, Visayas, and Mindanao operations.

Since 2007, KMBI annually organizes this summit to express its gratitude to Almighty God as this is also its anniversary celebration. This event is also done in fulfillment of its Goal 25.250's second strategic direction,which is to deliver non-financial services to program members.

in center meeting facilitation. Motivational articles are also available such as success stories of staff and program members,” said Rodriguez.

Reginold de los Reyes, resource mobilization unit head, affirmed that the new website is a powerful digital channel to build strong relationship with current and potential partners of the organization

in today’s world. “The new website is an effective interactive platform for constant source of partnership and information,” said de los Reyes.

KMBI has experienced phenomenal growth since its foundation in 1986 and its website is seen to evolve as the internet is fast becoming part of popular culture.

Customer...from p.5

5118 PMs/p.7

Program members from Naga and Bacolod branches show off their talents during Summer Saya celebration.


Organizational News

EDD’s livelihood training reach 1346 PMsIn the second quarter of 2010, the entrepreneurial development department (EDD) staff facilitated several livelihood training activities benefiting some 1,173 women microentrepreneurs and 173 staff from different areas of operation.

The latest training conducted was making of dishwashing liquid, fabric conditioner, and powder detergent. They also taught the members and staff processing of burger patty, siomai, and chicken nuggets, and chocolate moulding. “Aside from these, we shall provide other business enhancement services for our clients such as proper costing/pricing, record keeping etc. Hopefully, these will help them to grow their business,” said Belen Sison, EDD manager.

These training were made possible through a partnership with DREAM, Inc. (Developing Resources for Entrepreneurial Advancement and Mobilization, Inc.) and some local government agencies.

For the next quarter, EDD representatives will reach Bulacan, Cebu, Tuguegarao, Cauayan, and Santiago branches.

Since the beginning of the program, 1,946 program members and staff from 31 branches have benefitted from these livelihood training.

Merry Rose Francisco, EDS assistant, discussing basic entrepreneurship to Metro Davao 1 & 2 branches program members.

Ecumenical Mass Wedding continually bless PMs

Recently, 79 program members and their partners finally tied the knot as they said “I do” during the ecumenical mass weddings organized by KMBI branch staff. From June to August, around 500 couples from all areas of operations are expected to take part in this year’s ceremonies.

The organization, headed by the Transformation office sponsors such activity

5118 PMs...from p.6

to encourage program members who are long-time live-in partners to legalize their relationship as husband and wife. From its launching in 2006 until 2009, 618 couples have been blessed by the said program and investments have totaled to around Php1.5 million.

KMBI holds mass wedding every year.

Meanwhile, this is the first time for Metro Davao 2 program members to experience such activity. They were able to gather 400 participants. Mirasol Ligad, Metro Davao 2 branch manager trainee, affirmed that Summer Saya made the participants realize that they need to enjoy and relax even in the middle of their hectic schedules.

“We organized the Summer Saya because program members and staff will

Newly wed couples from Digos, and Metro Davao 1 & 2 branches.

truly enjoy it. This activity will not be successful without the help and support from our dear program members,” said Gemma Isidro, Naga branch accountant.

The Summer Saya activity, a branch initiative, was able to gather 3,600 program members last year. Since 1990s, more and more branches are doing it to strengthen their relationship with their members.


Sa isang hindi inaasahang pagkakataon, muli ang sambayanang Pilipino ay tumawag ng pagkakaisa at hinimok ang noo’y tahimik lamang at walang imik na senador na tumakbo bilang Pangulo ng bansa. Hindi naging madali ang pagtanggap sa panawagang ito; kinailangan ni PNoy (Pangulong Noy) na humingi ng panahon para makapag-isip, makapagnilay-nilay at hingin ang payo ng ilang mga malalapit sa kanya bago tanggapin ang hamon na kunin ang pinakamataas na pwesto sa bansa.

Sa kasagsagan ng kampanya noong eleksyon, hindi bumaba sa unang pwesto ang pangalan ni PNoy sa mga survey results. Dahil dito, lalong pinaigting ang kampanya laban sa kurapsyon, ang pagsugpo sa kahirapan at ang panawagang magkaisa ang mga Pilipino upang maiahon ang bansa mula sa kasalukuyang kalagayan.

Sa kanyang talumpati, sinabi ni PNoy na, “Dito magwawakas ang pamumunong manhid sa mga daing ng taong-bayan. Hindi si Noynoy ang gumawa ng paraan; kayo ang

Leaders’ Edge

Kung walang corrupt, walang mahirap. Ito ang madalas nating makita noon sa mga campaign posters at commercials ng ngayo’y President-

elect Benigno “Noynoy” Aquino III. Isa rin ito marahil sa pinakamalaking pagsubok ngayon sa ilalim ng kanyang administrasyon. Ano nga ba ang ipinararating ng mensaheng ito sa ating mga Pilipino?

Ni Rose Peña

Pangako ng Bagong AdministrasyonSaan nga ba nagsisimula ang pagbabago?

dahilan kung bakit ngayon ay magtatapos na ang pagtitiis ng sambayanan. Ito naman po ang umpisa ng kalbaryo ko. Ngunit kung marami ang magpapasan ng krus ay kakayanin ito gaano man kabigat…ang tadhana ng Pilipino ay babalik sa tamang kalagyan.”

Ang ilan sa mga nabanggit na kanyang pagtutuunan ng pansin ay ang mga sumusunod:• Pagkakaroon ng tuwid at tapat na hanay

na mga pinuno• Pag-usisa sa mga “midnight

appointments”• Edukasyon: pag-imbestiga at

pagsasaayos sa mga silid-aralan• Unti-unting babawasan ang mga

kakulangan sa inprastraktura para sa transportasyon, turismo at pangangalakal… “Hindi na pwede ang pwede na.”

• Bubuhayin ang programang emergency employment ng dating Pangulong Corazon Aquino

• Palalakasin ang koleksyon at pupuksahin ang kurapsyon sa Kawanihan ng Rentas Internas at Bureau of Custom

• Pag-igtingin ang serbisyong pangkalusugan

• Palakasin ang kapulisan• Pagtatayo ng mga training centers kung

saan diretso na ang mga magsasaka sa mamimili

• Gawing kaaya-aya sa mga negosyante ang ating bansa; implement stable economic policy – paramihin ang trabaho sa bansa upang hindi na humanap ng trabaho sa ibang bansa; panawagan sa Department of Foreign Affairs, Philippine Overseas Employment Administration, Overseas Workers Welfare Administration na paigtingin ang pagtugon sa pangangailangan at daing ng mga Overseas Filipino Worker.

Ngunit, paano nga ba natin masusugpo ang kurapsyon? Isa ba itong problemang dapat iatang lamang sa gobyerno? May magagawa nga ba tayo tungo sa pagbabago? Bakit nga


ba natin ito sa Pangulo at aasa na naman sa bagong Pangulo na maiahon ang bansa sa kahirapan? Magiging mas madali para sa pinuno ng bansa ang pagsasakatuparan ng kanyang mga plano kung ang bawat tao ay may papel na gagampanan tungo sa pagbabago. Simulan nating baguhin ang ating mga sarili – ang ating puso, ang ating isip, ang ating paniniwala. Tanggalin ang mga negatibong ideya na lumalason sa ating kaisipan. Tingnan ang kinabukasan ng may pag-asa at pananampalataya sa Lumikha. Ang Diyos ay laging handang gumabay sa taong may malinis na kalooban.

Photos source: http://cdn.wn.com/ph/img/67/70/5b1183b5e65648036dfd0e5810aa-grande.jpghttp://www.allvoices.com/contributed-news/6197203-vice-president-binay-took-oath-of-officehttp://img2.allvoices.com/thumbs/event/480/385/57033337-senator-benigno.jpg

sa ating pamilya. Ngunit kailangan nating tandaan na nilikha tayo ng Panginoon hindi para sa iilang tao lamang. Kailangan nating mahalin ang ating kapwa gaya ng pagmamahal natin sa ating mga sarili. ‘Wag nating hayaan na humanga tayo nang husto sa ating sariling kakayahan at wala nang makitang tama sa ating kapwa. D’yan nagsisimula ang ikasisira ng isang bayan. Puro problema at mali ang nakikita natin sa ating mga pinuno. Tandaan natin na walang taong perpekto.

At ang panghuli, marami sa atin ang nagsasabi na ang kapalaran nila ay dahil kagustuhan ng Diyos, na dahil ang gobyerno ay palpak, na dahil marami tayong maling nagawa sa ating buhay kaya natin nararanasan ang paghihirap. Ang Panginoon ay hindi kailanman naghangad ng kasamaan sa Kanyang nilikha. Paka-isipin natin na tayo ay accountable o may pananagutan sa ating mga naging at magiging desisyon sa buhay. Ngunit hindi nangangahulugan na ganito na tayo habambuhay. Kailangan natin magkaroon ng mission o layunin kung paano natin mapapaganda ang ating buhay at plano kung paano maisasakatuparan ang mga ito.

Lahat tayo ay nagnanais ng pagbabago ngunit ilan ba sa atin ang handang magbago? Paano na lamang kung ang inaaasam nating pagbabago ay hindi mangyari sa susunod na anim na taon? Isisisi na naman

Leaders’ Edge

ba nasabi ng pangulo na ito ang simula ng kanyang kalbaryo?

Kurapsyon o corruption – lack of integrity or honesty, use of a position of trust for dishonest gain. Kalimitan itong nangyayari sa mga kawani ng pamahalaan o sa kahit sinong nagkaroon ng pagkakataong humawak ng posisyon sa isang organisasyong kinabibilangan. Nagagamit ang kapangyarihan o ang posisyon para sa sariling kapakinabangan; nababalewala ang iba.

Ngunit alam n’yo ba na hindi lamang sa loob ng isang institusyon nagaganap ang kurapsyon? Nagsisimula rin ito sa ating mga sariling isipan. Pa’no ba nagiging “corrupt” ang pag-iisip natin?

Ang isa pang kahulugan ng kurapsyon ay moral perversion, impairment of virtue and moral principles. Ibig sabihin, nagiging baluktot ang ating pag-uugali, paniniwala at kagandahang-asal. Kailan ba tayo huling nagpahalaga sa kapaligiran? Kailan tayo huling tumulong sa ating kapwa? Kailan tayo huling naging matatag sa ating pananampalataya sa kabila ng matinding pagsubok na dumaan sa ating buhay?

May ilan sa atin na maayos sa sariling bahay ngunit hindi alintana ang nasa kanyang kapaligiran. Malinis ang loob ng tahanan ngunit sa labas ng bakuran tinatapon ang sariling kalat. Nakokorap o naabuso tuloy ang kapaligiran.

O kaya naman ay sasabihin natin na, “Masira na ang iba ‘wag lang ang pamilya ko!” Ilan na ba sa atin ang binali ang tamang katwiran alang-ala sa pamilya? Walang masama sa pagtatanggol at pagprotekta


Leaders’ Edge

Just asPROMISED

By Cindy Escobin

From the busyness of the street, a little girl with her eyes wide open saw a man holding a bunch of

colorful balloons. She sneaked into the crowd and tried to tip her toe so she could see the man. She ran tagging her Dad’s hands.

“Daddy, I want those balloons!” little Chelsea said. “Can I have the pink and the blue ones daddy? Daddy please? “she insisted presenting her best smile.

Smiling back at her child, little Chelsea’s dad replied, “Alright sweetie, you’ll have your balloons later after school. I promise. Okay?”

“Yippee!”, exclaimed little Chelsea and so she went to school joyfully.

Wouldn’t it be so nice to have a father like that—a father who would always keep his promises to make his children happy?

Well, it’s comforting to know that we have one. His name is YAHWEH our God. And, it’s even more reassuring to know that His name means ”He causes to be what exists”. He has declared it. He has asserted it. He is the God who makes things come to pass. He is a covenant-keeping God, keeping his covenant of love to a thousand generations as what the bible says. But what is that promise He gave to us?

Some 4,000 years ago God made an incredible promise to Abraham and his

My God is a keeper...so I must be...Deuteronomy 7:6-11

seed. These promises include an everlasting possession of a land, a huge number of families, destruction of their enemies, and blessings on all nations of the earth. These promises are not only for Israel and are not only applicable at that time and in that generation. It’s God’s love covenant even to each one of us even in our generation.

In Deuteronomy 6:1 to 5, God’s covenant of love became even more evident as He made his promises when he said that we will have a prolonged life (Deuteronomy 6:2), we will have a prosperous life and that we will multiply greatly (Deuteronomy 6:3)

But, as the child getting anxious to get her demands, we would sometime get too impatient and become even more doubtful of the promises given to us. We would try to do the shortcuts and won’t obey God’s commandments though He has assured us of His word. As difficult as it maybe for us, we still have to extend patience and to do what he commands of us such us to portray godly character, fulfill God-given livelihood

and raise up godly legacy (Deuteronomy 6:1-3).

While our earthly father may fail in his promises, our father in heaven will never be. We just have to be hopeful and rest in faith that those promises will be fulfilled. While waiting for them to happen, let us be faithful enough in obeying His commandments.

Graphic source: http://nursingcrib.com/wp-content/uploads/happy-family.gif


Leaders’ Edge

EncouragingJoy @ Work

By Ken Layawan

So how are you feeling today? Did you enjoy today’s work? In our previous article, we discussed about

finding real joy at work. We said that we can only find it when we have the right spirit within us. We can get this through meditation of God’s Word and prayer. In this way, we would be able to make things right and maintain them so that we would be thoroughly equipped for every good work (2 Timothy 3:16). The next thing is for us to commit our work to God. Let’s ask him to bless the works of our hands. Lastly, we said that our work is a blessing from Him. This is enough reason to be grateful and joyful. Real joy at work begins and ends with God.

Knowing that joy is already established in us, we have to do something to share this joy to others. How can we do this when some of our workmates have that gloomy look? Some of them may be discouraged. They see only the wrong but not the good things happening around them. The good news is we can help ease them out in the rut they’re in by these few practical points.

My God is a keeper...so I must be...Deuteronomy 7:6-11

• Lend an ear. Since we were able to find that secret to being joyful, we can greatly help others by listening to them. It is always helpful to be open-minded and to not judge. It may be good to sympathize at times; but it’s more beneficial if we help them see the truth based on what is glorifying to God as written in His Word.

• Freely appreciate. We can also help lift their esteem by saying “I appreciate you,” “I’m proud of you,” “I’m thankful for you” or “I couldn’t have done it without you.” What would it be like for them to hear us saying that to them? I believe that is a good start for us to be effective encouragers.

• Be fully available. It’s also good if we can take time out to listen to this dissuaded person after asking how he’s doing. He may be able to share his struggles or other life’s challenges. When that happens, we really have to be available for him and give our full attention. When we do that, look for something positive about him and tell him that. As every person has its own strength and areas on improvement,

capitalize first on the strong characteristics and affirm that that he does well and be specific about that. Simply acknowledge that person when doing good or well. Let’s not forget to say ‘thank you’ whenever needed.

• Connect with God. Ask for prayer requests and pray for him. It would also be good if we can share our personal testimonies about God’s grace working in us, especially in our most trying times. Let’s be open about our lives and share the transformations in us and how we were able to attain that joy in our work.

Consider this now as our time to encourage other people to experiencing this indescribable joy.

Commit our work to God...Ask Him to

bless the works of our hands...


Leaders’ Edge

Several years ago, I watched the comedy-romance movie entitled “Game Plan” where an egotistical

and promiscuous football star Joe Kingman, played by Dwayne "The Rock" Johnson (remember the Scorpion King? Yeah, that’s him), got a surprise of a lifetime when his eight-year old daughter from a former marriage showed up at his doorstep. It was tough and inconvenient for him during the first few days. He thought having the child would destroy his image, distract his career and decrease his popularity. But when he faced his role as father and became a good steward of a life entrusted to him, he was transformed into a loving father and this made him even more popular among the fans and teammates. It was a happy ending for both the football and romance side of this film.

So now you might ask me, “How do this article and the movie correlate with each other?” Oh yes, I know you are reading this article for some sort of tips about “greening the workplace.” We have heard a lot of things and tips about helping the environment, like going paperless at work, etc. But have we ever tried to ask ourselves how we’ve helped the environment? As KMBI employees, we are taught to be “good stewards” of God’s creations. The whole world is created by Him and entrusted to us, so we have to protect it. In the movie, Kingman’s life turned upside down when he faced his responsibilities. Avoiding habits like using styro or plastic bags may cause inconvenience for us, but this may

be a first step to a green and healthy life. Let’s start the good habit in the branch office. Here are ways.

Reduce paper use. Why do they always say reduce paper use and save a tree? Conservatree.com says this is because one ream of paper (500 sheets) uses 6% of a tree or one tree makes 16.67 reams of copy paper or 8,333.3 sheets. So to literally save a tree, print or copy double-sided, email documents as attachments, edit documents on screen rather on paper or cut up those scratch papers to make your own notepads rather than buy costly ones.

Fax less. It’s good to fax but when you get the bill, it’s no good at all. So to save cost plus energy, scan the document and email it.

Say no to disposables. Do you know that our common plastic bags take about 500 years to break down? They do not decompose because they’re made up of polyethylene, a man-made polymer that microorganisms do not recognize as food. They only photodegrade. This is when they get exposed to sunlight and over time, polyethylene polymer chains become brittle, crack and eventually turn into microscopic granules. There’s still no firsthand experience on this because plastics have been around for only about 50 years. So before you use that plastic cup, spoon and fork, paper plate, and Styrofoam in the office or during branch activities, think again. Disposables may be convenient for us but using them will affect even our great

great grandchildren. Get some natural light. First thing in the

morning or during breaks, you can turn off the lights, open your window shades and let the light come in. If you turn that light off for one hour a day you will save 22,000 watts of energy in a year. This does not just save electricity but this is actually good for the health. When your skin gets exposed to ultraviolet radiation from natural sunlight, it produces vitamin D. The healing rays (that generate vitamin D in your skin) cannot penetrate glass. So, open up and have a free doze of vitamin!

Turn off office equipment. Leaving the office without turning off the equipment can cause you two problems. One, electric bills rate will increase; two, this may cause fire. To avoid these problems, turn off and unplug equipment before leaving the workplace.

During breaks or when your computer is not in use, turn the monitor off or activate your computer’s ’sleep’ or ’quiet’ mode option so that when the machine is not being used, it will automatically switch from full power to sleep mode. This can reduce your computer’s energy use by as much as 70%. Don’t rely on the screen saver because it cannot save energy at all.

Clean your Air Conditioner filter. Save a lot of power by replacing or cleaning the filter to make sure that it is not struggling to operate and running at peak efficiency.

Don’t trash it out. Let your utility staff take the trash but not the plastic trash bag. Instead, use it for the whole week. The bag

The Green Game PlanBy Lea Gatpandan


Leaders’ Edge

can be harmful to the environment if not properly disposed. Think of those trash bags that could be prevented from heading to the trash dump sites. In addition, this can also save your money.

Respect the water dispenser. Don’t waste the water in your office. If you have a water dispenser, make sure to take only what you are going to drink. There is no guarantee that we can always have clean water in the Philippines so let’s not waste it.

Now that you know the simple ways of “greening the workplace,” start to live it. Just like Kingman, he faced fatherhood, loved it, and got credited later on. Let’s now become good stewards and lead in this movement of encouraging others to make our workplace greener.

Let’s learn it, live it, and love it! This is our game plan.

References:http://office.lifetips.com/cat/10252/eco-friendly-office/index.htmlhttp://www.associatedcontent.com/article/407697/things_to_do_at_the_office_to_help.htmlhttp://www.associatedcontent.com/article/1615087/go_green_at_the_office.html?cat=46http://www.associatedcontent.com/article/2669041/successful_ways_to_go_green_at_work.html?cat=31http://www.slate.com/id/2169287http://www.naturalnews.com/003069.htmlhttp://www.conservatree.org/learn/EnviroIssues/TreeStats.shtmlhttp://www.thedailymind.com/mindfulness/eco-friendly-office-10-small-things-you-can-do-at-work-to-help-the-environment/

We previously discussed the necessary things to do before disaster strikes. Assuming that we have done all the

suggested preparations, what then shall we do when we’re caught in the middle of it? That’s what we’re going to learn from this article. We’re narrowing down suggestions for action on four common disasters, i.e. flood, earthquake, volcanic eruption, and fire. Read on and learn.

What to do during flood. In case you are stuck in a minimal flood at home, shut off electricity. If the area around the fuse box or breaker panel is wet, stand on a dry board and shut off the power with a dry wooden stick. If the water is continuously rising, lock your house, leave it and go to a nearby evacuation center like a school gym or community hall. Take your emergency survival kit with you.

If you are outside, never try to cross a flood area on foot. The fast water could sweep you away. If you need to walk across, use a stick to check the firmness of the ground or else you might get trapped in an open manhole. Do not attempt to drive in flooded areas. In case floodwater rises around your car, immediately abandon your car and move to higher and safer ground.

What to do during earthquakeWhen you feel that the place where you are situated is shaking, just stay calm. If you're indoors, stay inside. Stand against a wall near the center of the building or in a doorway (if there’s one near you), or crawl under a heavy and sturdy table. Stay away from glass windows and outside doors. If you are in a high rise building, don't use elevators (they'll probably get stuck anyway). If you're outdoors, stay in the open and away from building, streetlights, and power lines or anything that might fall.

If you’re at home, stay in bed if you are already there and cover your head with pillows, unless you are under a heavy light fixture that could fall. In that case, move to the nearest safe place. Stay inside until the shaking stops and it is safe to go outside.

Research has shown that most injuries occur when people inside buildings attempt to move to a different location inside the building or try to leave.

In case you are trapped under debris, do not light a match. Do not move or kick up dust. Cover your mouth with a handkerchief or clothing. Tap on a pipe or wall so rescuers can locate you. Use a whistle if there is available. Shout only as a last resort because shouting can cause you to inhale dangerous amounts of dusts.

What to do during volcanic eruptionsIf a volcano in your province erupts, follow the evacuation order issued by authorities. Evacuate immediately from the volcano area to avoid flying debris, hot gases, lateral blast, and lava flow. Be aware of mudflows. The danger from a mudflow increases near stream channels and with prolonged heavy rains. Mudflows can move faster than you can walk or run. Look upstream before crossing a bridge, and do not cross the bridge if a mudflow is approaching. Don’t panic; instead remember to help your neighbors who may require special assistance. They may be infants, elderly people, and people with disabilities. Protect them and yourself from falling ash.

If possible, use disposable N-95 mask to purify the air that you breathe and goggles to protect your eyes from ash falls. Listen to your battery-powered radio or television for the latest emergency information. Wear long-sleeved shirts and long pants and stay away from areas downwind from the volcano to avoid volcanic ash. Stay indoors until the ash has settled unless there is a danger of the roof collapsing. Close doors, windows, and all ventilation in the house.

When the condition is serious and there is a need to evacuate, then leave your home and go to a nearby evacuation center, like a school gym or community hall. Leave immediately when requested to do so and take your emergency survival kit with you.

How to escape a fire. The first thing

WHAT TO DO WHEN DISASTER STRIKES

What to/p.15


Cover Story

&Leadership Customer Service

By Francis Kong

But I never did. What held me back was what I call "the hassle factor." I had several policies in place that were brokered by this insurance provider, and changing policies would cause more hassle than it was worth. I figured when each policy came up for renewal, I would shop for another insurance company at that time.

As fate would have it, something happened to one of my vehicles. In order to submit a claim, I was forced to call the brokerage company I had come to dislike so greatly. The customer-service representative who previously handled my account was gone, and the woman who drew my number was named Theresa.

I was polite but direct when she and I spoke. "Look," I said, "I imagine you can tell from my records that my experiences with your firm haven't been good. If it weren't for the hassle of switching policies in effect, I'd take all my business elsewhere and never do business with your company again. It isn't

anything personal. This is the first time you and I have spoken. But you need to know where I'm coming from."

Theresa listened attentively and floored me with her response. "Mr. Sanborn," she said, "I don't know all that happened to you, but I can understand that you are upset about your past dealings with us. I can't control what happened in the past, but I assure you of this: If you continue to do business with us, I will personally assist you and make sure that nothing like that happens again." That was several years ago. My policies came up for renewal, but I never left, thanks to the personal leadership exhibited by Theresa. In her thoughtful, direct way, Theresa increased what I call ROI: No, not her company's "return on investment" (although she did that, too). I'm referring to Relationships, Outcomes, and Improvements.

This is why there is a correlation between leadership and customer service

Now listen to another story this time

Mark Sanborn in his book entitled: You Don't Need a Title to be a Leader talks about the correlation between leadership and customer service. Sanborn says: “Several years ago, I

experienced an unfortunate breakdown in service with my insurance broker, whom I had used for many years. It was serious enough for me to escalate my complaint to one of the owners of the company. To my surprise, he expressed complete disregard for my situation. Offended, I decided to take my business elsewhere.

Francis J. Kong is:• President of Success Options

Publishing Company• President of FunWorks Inc. a

member of the Canadian based Mad Science International Group, the world’s number 1 Science educational-entertainment program provider for kids.

• Founding member and Director of Inspire Leadership Consultancy

• Francis has extensive work experiences in manufacturing and retail as he help founded a popular clothing company and ran a retail chain for many years.

http://franciskong.com/about/


you need to do is to know your way out. The idea is to get outside quickly and safely. Smoke from a fire can make it hard to see where things are, so it's important to learn and remember the different ways out of your home. Check closed doors for heat before you open them. If you are escaping through a closed door, use the back of your hand to feel the top of the door, the doorknob, and the crack between the door and door frame before you open it. Never use the palm of your hand or fingers to test for heat - burning those areas could impair your ability to escape a fire (i.e., ladders and crawling). When the door is hot, do not open it. Better to escape through a window or hang a white or light-colored sheet outside the window to alert fire fighters to your presence and rescue you.

When the door is cold, open slowly and ensure fire and/or smoke is not blocking your escape route. If your escape route is blocked, close the door immediately and use an alternate escape route, such as a window. If clear, leave immediately through the door and close it behind you. Be prepared to crawl as the smoke and heat rise. The air is clearer and cooler near the floor. Crawl low under any smoke to your exit - heavy smoke and poisonous gases collect first along the ceiling. Close doors behind you as you escape to delay the spread of the fire. Stay out once you are safely out and don’t go back.

In case your clothes catch on fire, immediately stop, drop on the floor, and roll until the fire disappears. Running can make fire burn faster.

References:http://www.wikihow.com/Cope-Following-a-Flood#Take_Care_of_Yourself_Firsthttp://www.wikihow.com/React-During-an-Earthquakehttp://www.wikihow.com/Survive-a-Volcanic-Eruptionhttp://www.bfpresponse.gov.ph/safetytips.htmlhttp://www.wikihow.com/Keep-Safe-During-a-House-Firehttp://www.fema.gov/hazard/types.shtm

once more from Mark Sanborn.Sanborn says: I was famished. I had

fasted for a medical procedure that was scheduled for early morning; in addition to being hungry, I was dying for my morning jump start of caffeine. Fortunately, there was a Starbucks located just around the corner from the hospital, so I picked up a cappuccino to go.

There was a popular deli nearby. I knew from previous experience that the food was good, so I parked and went inside with my just-started Starbucks cappuccino. "One for breakfast," I said to the hostess. Seeing my Starbucks cup, she rather sternly replied, "We don't allow outside food or beverages in the restaurant. You'll either have to down it or leave it at the counter."

I wasn't about to discard my three-dollar cappuccino, so I decided to take my coffee and money elsewhere.

Her curt challenge to my not-purchased-there coffee felt like a personal rebuke. I could empathize with a business owner who wanted to sell his or her own coffee, but I had already purchased mine elsewhere. I was more than willing to spend $10 for breakfast, but the restaurant, by requiring that I dispense of my recently purchased Starbucks cappuccino, ended up with nothing and lost me permanently as a customer.

Upset at how I was treated, I called my brother Shawn, who is a successful restaurant owner and operator. After explaining the scenario, I asked for his

opinion on what had happened. He saw an easy solution: "She should have said, `We don't allow outside food or beverages, so let me pour your drink into one of our cups after I seat you.' No competitor's coffee cup would be on the table, you would keep your beverage, and they would get to keep the money you spent on breakfast."

Why didn't she think about that? Because she was blindly enforcing the restaurant's policy without much regard for the effect it had on its customers. By not choosing to lead or influence the situation positively so that we both could win, she influenced negatively and lost a customer. This kind of behavior happens every day in business and in life: The woman who refuses to shop at a department store because she has been ignored or treated rudely. The curt waiter, the rude store manager…in each case, someone dropped the leadership ball.

One simple sentence could have earned that deli $1,500 a year-the cost of my breakfast three times a week over the next year. That would have been a pretty good return on investment.

There is a correlation between leadership and customer service. And it's as simple as doing unto others as you want others to do to you.

WHAT TO...from p.13


Feature Story

The Secrets Behind the Curtain of Success

2009 Best Employees“Congratulations! You are the best employee of the year!”

Have you ever dreamed of becoming best employee? This truly isn’t easy to reach, but of more than a thousand staff, five became 2009’s best employees. They have made valuable contributions to the organization. Now let’s get up close and personal with them to know their secrets to success. Who knows, that through learning from them, you will be the next best employee!

AWARD: Best Branch ManagerNAME: Ednalyn L. HospitalYEAR HIRED: 1999First job at KMBI: Program Assistant

Before KMBI: I was a casual employee of the Landbank of the Philippines in Isulan, Sultan Kudarat. After six months I resigned and accepted a part-time job in a law firm as secretary for two months.

What you might not know about her: I once considered becoming a nun since my mother was suffering from cancer. She didn’t allow my going into convent and told me that I can still serve Him in other ways. I never left her during her battle against cancer until she died in 1995.

Best things in KMBI: I am growing spiritually. Before, I questioned His love, but here I got spiritually restored. I also like the professionalism of my co-employees. They show high regard to every person they meet, no matter their position/status in life. Other things that I like are the compensation and benefits that I am enjoying right now.

Life’s verse: “Call to me and I will answer you, and will tell you great and hidden things that you have not known.” Jeremiah 3:33

“Think and work like you own the organization.”

“Commitment means

willingness to look for a

better way and learn from the process.”

To be a best employee: Own the vision and mission of KMBI. Think and work like you own the organization. It’s a domino effect; if you will do it, other people will follow you. Remember to always do your best and maximize your skills. Always be reminded that you are working for God to glorify Him. Be accountable and do not place blame on others. In times of problems, don’t panic; plan and have faith to surpass it, and then act on it.

AWARD: Best Branch AccountantNAME: Joanna “Naneth” P. TimajoYEAR HIRED: 2005

Before KMBI: During grade school I used to play chess. I joined competitions and was surprised to reach the national level. During and after college, I updated and kept records of the school of our church and my cousin’s business.

What you might not know about her: I was in high school when I found that my name in the birth certificate is Joanna; Naneth is just my nickname. Up to now, all my records are in this nickname. I am currently working on having these records

“Do not make any decision or

strategy that is against the

policy.”

changed. Best things in KMBI: I am now more

matured in terms of work. I became more independent and confident. I learned how to deal with people unlike before that I only deal with accounting papers.

To be a best employee: Be committed to work not for men but for God. Commitment means willingness to look for a better way and learn from the process. Also, never end the day with backlogs. Submit your accounting report on time every day. Be strong and courageous for other staff to emulate.

AWARD: Best Program Unit SupervisorNAME: Randy P. InitanYEAR HIRED: 2007

Before KMBI: I was in grade 5 when I became independent. I lived with my relatives and sometimes with friends. I used to fetch water for our neighbors to have money for school. I have to fill to two huge drums with water to get P30 daily.

When I got older, I owned a barber shop for two years. Then, I worked as a baker at KCC mall for six months. After that, a hardware owner hired me as sales clerk and


Feature Story

Hey, they don’t have any secret powers at all; they just love what they’re doing. Now, are you ready to become the next best employee?

Position doesn’t matter because

everyone is a special

part of this organization.

Love your work and the clients. Treat them as

family.

later on promoted me as supervisor in his construction business. I work there for two years. Later, I worked as cash sorter at BDO.

What you might not know about him: I was a soccer player and member of a dance troop back in college. That slashed 60% of my tuition fee in college.

Challenging things in KMBI: When I was a PA, 90% of my clients were Muslims. They used the Quran so it seemed impossible for me to share bible verses. To give value-added service, I focused on teaching them on proper caring of family and good hygiene, among others. In that sense, I was able to help them.

Life verse: John 3:16 “For God so love the world, He gave His only Son so that everyone who believes in him will not perish but have eternal life.”

To be a best employee: Stick to the policy. Do not make any decisions or strategies that are against it. Strictly monitore the members’ and staff’s performances. Record the performances of your members. This will help you determine who deserves to have a loan increase.

AWARD: Best Program AssistantNAME: Jenelyn P. GalayYEAR HIRED: 2006

Before KMBI: I was born in a remote area of South Cotabato. My family’s rice farm served as my playground. I also helped out in the farm. After college, I worked for three years as a municipal planning

office researcher in the local government of Tampakan. Then, I worked as domestic helper in Brunei for six months.

Best things in KMBI: The chance to help other people is the thing that I really like most. I can relate with my clients since I went through the same hardships. I am so happy that KMBI gave me the chance to help them. I learned a lot from KMBI and it brings me closer to God.

Challenges at work. What’s challenging is my assigned area. I have to ride habal-habal (public utility motorcycle without a sidecar but can load up to eight passengers) just to reach my centers. At first, it was difficult to find clients because I didn’t know anyone there. I talked with many strangers and introduced KMBI until I had a contact person. I learned it is important to know who and what you are introducing to people so they can buy it easily.

To be a best employee: Be transparent at work. Do not be ashamed to ask questions about things that you don’t know. Love your work and the clients. Treat them as family. Be honest with your work, co-employees and clients. Serve people as if you are serving the Lord.

AWARD: Best Support StaffNAME: Jefferson T. NgYEAR HIRED: 2008

Before KMBI: At an early age, I was exposed in managing our business. My parents taught me the definition of work, its benefits, and its importance in life.

They instilled in me that the foundation of having a greater life is being responsible for everything you do.

Best things in KMBI: My work here enhances my knowledge and allows me to see things in a different perspective. I used to work before because I have to, but now I discovered the new meaning of work - we are working to touch others’ lives. KMBI helped strengthen my faith in God. I have to admit, I never had a close relationship with the Lord. This changed when I started attending the accountability group gathering, Lead Camp and Microentrepreneurs’ Summit and by witnessing experiences from the Board of trustee, directors, co-employees, and clients.

Challenges at work: I know that we cannot please everybody. There are people around that cannot understand the way I handle things at work but it’s okay. I just respect their opinion and continue on what I am doing. As long as I know that I am right and I stick to the policy it doesn’t bother me at all. But whenever I am wrong I immediately correct my mistakes.

Life verse: “Rely on the Lord! Be Strong and confident! Rely on the Lord!” Psalm 27:14

To be a best employee: Be passionate with work. Always be proactive. Work with self awareness and with right relationship with people. Be resilient. Be happy with what you are doing. Position doesn’t matter because everyone is a special part of this organization.


ENTREP 101

Mayroon ka bang kasiguruhan na ang yaman na itinatago o iniipon mo ngayon ay hindi

mababawasan hanggang sa dumating ang panahon ng iyong pagreretiro? Marami sa atin ang nakapagtatabi ng ipon, pero wala namang nakalaan sa mga hindi inaasahang pangangailangan. Paano na lamang kung ang iyong magulang o anak ay naaksidente o nagkasakit? Hindi ba’t mapipilitan kang bawasan ang iyong ipon. Lalo na kung matinding karamdaman ang dumapo sa mga ito at nangailangan ng mahaba-habang gamutan. Salamat at may naipon ka, pero matapos ang mga trahedyang ito at naubos na ang ipon mo, back to zero na naman ang finances mo. Hindi mo na napanatili ang iyong yaman. Mas lalo na sigurong masakit kung ikaw mismo na breadwinner ang tinamaan ng matinding karamdaman at mawawalan ng kakayahang makapagtrabaho muli. Paano na ang buwanang gastusin ng pamilya mo? Nauwi rin sa wala ang ipon mo, hindi ba?

Dito mo kailangan ng isang maliwanag na personal risk assessment upang hindi mo danasin ang lubos na pagkabangkarote pagdating ng panahon. Hindi porke may ipon ka ngayon ay iisipin mong sapat na ito upang mabuhay. Dapat hindi lamang ipon o savings ang kasama sa badyet mo. Isama mo rin ang alokasyon para sa mga biglaang pangyayari gaya ng pagkakasakit o aksidente. Hindi naman sa pinagpaplanuhan mo ang mga ito, pero ito ay paghahanda lamang kung sakaling

dumaan ito sa iyong buhay. Kunyari ikaw ay bumili ng isang sasakyan. ‘Pag may gasolina ay magagamit na ito. Pero bakit ka pa bumibili ng spare tire kung tatakbo naman ang sasakyan sa apat na gulong? Kasi ito ay paghahanda mo sa biglaang pangyayari. Kung sakaling ma-flat ang gulong ng sasakyan mo sa highway at wala kang makitang vulcanizing shop, makakarating ka pa rin sa iyong patutunguhan dahil may spare tire ka. Ganun din ang papel ng emergency funds sa iyong ipon. ‘Pag may unos ay emergency fund lang ang gagastusin mo habang hindi nagagalaw ang ibang ipon mo. Tandaan na dapat magkahiwalay ang dalawang ito.

Balita ko na ang KMBI ay mayroong ibinibigay na accident insurance sa kanyang empleyado at program members. Maganda ito kasi bahagi ‘yan ng proteksyong pinansyal. Siguro ang tanong sa bawat isa ay ganito: Ano ba ang exposure mo (o risks) na maaaring makapag-alis ng income mo? Ang accident insurance ay magagamit mo lamang sa panahon ng aksidente. Ibinabalik sa iyo ang mga gastusin mo sa ospital, halimbawa. Pero paano naman ang dapat na kinita mo habang ikaw ay nakaratay sa ospital ( o lost income potential)? ‘Pag naubos mo na ang mga sick leave mo, maibabalik ba sa iyo ang dapat na kikitain mo kung ikaw sana ay malakas? Isa yan sa dapat mong paghandaan, ang tinatawag na income protection. Mas lalo na para sa mga breadwinners.

Isa pang mahalagang tanong ay

“Adequate ba ang coverage mo?”. Halimbawa sa isang kumpanya na may insurance na Php500,000 para sa kanyang empleyado. Kung ang isang manager ay kumikita ng Php50,000 kada buwan at may nangyari sa kanya, eh sapat lang ang insurance niya para sa 10 buwan sa kanilang pamilya. Pagkatapos noon, saan na kukuha ng panggastos ang kanyang pamilya? Kaya nga mahalagang sapat ito. Hindi mo kayang bilhin ang kumpletong insurance coverage ng isang bagsak kaya paunti-unti lang. Sa badyet mo, nagtatabi ka para doon. Ang kagandahan kasi noon, may mga insurance na kumikita ng mas higit pa sa bangko, parang investments din. Kaya mayroon ka nang proteksyon, lumalaki pa ang pera mo. Paano kung ang asawa o anak mo naman ang magkaroon ng emergency? Mayroon din ba silang proteksyon? Dapat ilagay mo din sa normal na badyet ‘yan. Kaya nga, dapat sa simula pa lamang ay mayroon ka ng proteksyon para sa buong pamilya.

Kung iisiping mabuti, ito ay maliit na bagay lamang, pero napakalaki ng impact nito sa iyong buhay kung hindi mo gagawin. Ito talaga ang papel ng insurance. It is to protect you against unforseen risks. Dapat ay lagi kang handa. Ayon kay Robert Kiyosaki, may-akda ng aklat na Rich Dad, Poor Dad, dapat may isa kang team na nagbibigay sa ‘yo ng payo patungkol sa yaman. Mas lalo na kung ikaw ay nagne-negosyo, dapat may nagbibigay sa iyo ng payo sa batas. May accountant ka, may banker ka, may insurance agent ka, etc.

BUILDING THE FOUNDATIONS OF A WEALTHY LIFE (PART 2)

Ni John Russell Barbosa

Bigyang Proteksyon ang Pinaghirapan!


Tips

Insured dapat lahat nang pag-aari mo. Kaya parte lang ang insurance sa pananatili mo ng iyong yaman.

Ang sekreto dito ay ang pagkakaroon ng maliwanag na goals at pagba-budget. Ang tamang panahong mag-ipon at maghanda ay NGAYON habang may kakayanan ka. Ang wealth management ay ang tamang financial cycle of life sa lahat ng phases nito, magmula sa pagplano ng pamilya, pagbili ng bahay at lupa, pagpapaaral, pang-medisina, pang-retiro, pang-bakasyon, etc. Ang importante ay marunong kang humawak at magprotekta ng pera. Iyan ang wealth management. Ang bawat isa kasi ay may pagkakataong maging mayaman kung maayos ang pamamaraan at disiplina para gamitin ito. Iyan ang paggamit ng budget calculator, o kaya pag-estima ng gastusin sa eskwela at ang deliberate implementation ng iyong plano. Ito ang financial management at dito ka mag-uumpisa upang maging ganap na mayaman.

John Russell Barbosa2009 Nationwide Sales Excellence Awardee, PhilamlifeTop 7 Nationwide, OFW SPECIALIST, Philamlife 2009Top 1 Agent, Espiritu Associates, Philamlife 20092007 International Registered Financial Consultant

Graphic source: http://www.salesmasters.com.au/uploads/risk-umbrella.jpg

Do you hear that little voice saying, you are good for nothing or you

can’t be successful? If yes, watch out because those are monsters in your head that want to ruin your life. Would you let that happen? During tough times we tend to have negative perceptions in life. We develop negative thinking patterns as we get easily frustrated by our challenges. Think positive! Think positive! Think positive! We often hear it from our friends and family to cheer us up. This isn’t easy especially if the monsters that crept in have already defeated us. Now, let’s find out how other people maintain positive outlook and attitude in the midst of their battle with the monsters.

Live to enjoy. LOLz! Life is too short. Enjoy and look at the brighter side of life rather than exhaust your energy dealing with negative thoughts. Choose to be surrounded by healthy and happy people. This will help you stay in focus and deal with bad circumstances correctly. Being surrounded with negative people will just affirm your negative thoughts, so avoid them and hang-out with positive thinkers instead. Laugh your worries, fears, and negative powers out!

Bring that winner attitude on. Don’t flounder yourself in self pity and feeling of being a loser. Remember the popular medicine tagline, “What the mind can conceive, the body can achieve”? Choose to discipline your mind. Fend off negative thoughts immediately if you notice them coming. Remember Philippians 4:8, “Fix your thoughts on what is true, and honorable, and right, and pure, and lovely, and admirable. Think about things that are excellent and worthy of praise.” If people around you are putting you down, take it as a challenge and prove them wrong. Who knows, they'll even be inspired by your success. On the other hand, to those whom you cannot please, just simply move on. If they’ve hurt you, forgive and let go of the hurts.

Find meaning with work. In unfavourable work settings, strive to find meaning with your work. A Harvard

Business Review article entitled “Getting beyond engagement to creating meaning at work” shares, “Those who succeed at creating meaning tend to work harder, more creatively, and with more tenacity, giving the companies that employ them a leg up in the marketplace. To paraphrase Nietzsche, ‘He who has a why to work can bear with almost any how.’

Appreciate others. Compliment others, recognize the good things they’ve done, affirm their strengths, and recognize their successes. Choose to be a blessing not a bane because positivity breeds openness and productivity.

Get a human comforter. Start hugging friends or family to ease the burden that you are feeling. Hugging your loved ones, friends, or even pets can give you instant comfort. If you feel uneasy with hugging, ask a loved one or a friend to tap or rub your shoulders or even let you squeeze their hands tightly. This can give you an assurance that things are not as worse as you think.

Be grateful. “I am too blessed to be stressed,” says the popular quotation. So try writing down ten things or situations that you were thankful for during the day. These may be positive affirmation statements you got from a co-worker, a sick client who got healed, a friend who offered you free lunch, or a center meeting that went well. Do this three times a week if not everyday, and you’ll be surprised of the amount of blessings you actually have.

So, let’s say no to negative thoughts and rejections. Better cross out the “N” word from your vocabulary and no more monsters will haunt you. Embrace life and smile at it everyday.

References:http://christianity.about.com/od/practicaltools/a/positivethinkin.htmhttp://lifestyle.iloveindia.com/lounge/positive-thinking-tips-and-tricks-7639.htmlhttp://www.selfgrowth.com/articles/Koretsky7.htmlhttp://ezinearticles.com/?10-Tips-for-Positive-Thinking---Tips-for-a-Happier-and-Healthier-Frame-of-Mind&id=717352http://ezinearticles.com/?Keeping-a-Positive-Attitude-in-the-Face-of-Rejection&id=4737909http://ezinearticles.com/?No-Confidence?-How-to-Have-a-Happy,-Confident-Mind-and-Stop-Feeling-Like-a-Loser&id=4745963



MF Index

Isang parte ng proseso sa pagbibigay ng group loan ay ang CI. Alam natin kung paano ito gawin at kailan ito ginagawa. Ngunit paano kung hindi na natin ito pinahahalagahan? Paano kung basta na lang natin itong iasa sa miyembro o opisyales ng sentro? Paano kung tuluyan nang makalimutan na ang prosesong ito ay responsibilidad ng isang Program Assistant upang mapangalagaan ang kapakanan ng kliyente, ng ating organisasyon, at ng kanyang sarili?

Ang CI ay isang pamamaraan ng pangangalap ng mga impormasyon tungkol sa estado ng buhay at negosyo ng isang potensiyal na miyembro. Inaalam natin kung may kakayanan ang miyembro o ang kanyang negosyo na kayanin o mapanindigan ang mga responsibilidad na kaakibat ng pagsali sa ating programa. Ang mga impormasyong ito ay nakukuha natin, hindi lamang mula sa pamilya at negosyo ng potensiyal na miyembro, kundi pati sa kanyang mga kapitbahay at sa mga taong nakakakilala sa kanya. Mabuti man o hindi ang mga makukuhang impormasyon,

NBI, FBI, at CSI - malamang pamilyar ang mga acronym na ito sa atin. Marahil kapag nabasa o narinig natin ang mga letrang ito ay napahahanga

tayo sa galing nila sa larangan ng pag-iimbestiga. Kung idagdag ko kaya ang katagang CI o Credit Investigation? Katulad din kaya ang ating paghanga dito?

mahalaga ito upang magkaroon ng tamang desisyon sa pagtanggap at pag-diskwalipika sa isang indibidwal.

Ang halaga ng CI ay hatiin natin sa tatlong direktang maaapektuhan ng anumang resulta sa pagsasagawa nito.

Potensiyal na Miyembro. Hindi lahat ng mga nagnenegosyo ay kwalipikado sa ating programa. Hindi lahat ng negosyo ay may kakayahang bayaran ang lingguhang obligasyon. Ito ay dapat mapaunawa natin sa kanila sa pagnanais na sila ay matulungan. Responsibilidad natin na ipaalam sa kanila kung kaya ng kanilang negosyo ang pinansiyal na aspeto ng ating programa. Kung marapat na hindi sila isali sa programa ay gagawin natin.

Program Assistant (PA). Mahalagang maintindihan natin na ang pagbibigay tulong pinansiyal ng organisasyon ay hindi sa lahat ng oras nagiging tulong lalo na kung naibigay ito sa maling tao. Posibleng ang pagbabalewala sa tamang pagsasagawa ng CI ang maging dahilan kung ang isang PA ay magtatagal dito o hindi. Ang CI ay

walang intensiyon na pahirapan ang mga PA. Layunin lamang nito na mabigyan sila ng pagkakataon na magamit ang mga impormasyong makakalap upang makagagawa ng desisyong makatutulong sa kanya.

Ang KMBI. Dapat nating pangalagaan ang organisasyon. Sa tulong ng tamang CI, mas nabibigyan natin ito ng pagkakataon na makatulong pa sa nakararami at maiwasan ang problemang pangpinansiyal.

Tandaan na dapat isagawa agad ang pagsi-CI matapos ang information meeting upang malaman ng indibidwal kung siya ay pumasa o hindi bago pa man dumaan siya sa iba pang mga proseso. Sa ganitong paraan ay maiiwasan ang pagkaantala ng pagproseso ng loan. Ang batayan sa pagsi-CI ay nakapaloob sa loan application form ngunit bukod dito ay mas mainam na maging mapagmasid o sensitibo sa bawat nakikita. Dito binibigyan ng malaking importansya ang tinatawag nating 5 C’s:

Character – Ito ang personal na impormasyon ng iyong iniimbestigahan. Kailangan masuring mabuti ang integridad, sitwasyon ng pamilya, abilidad sa pagpapatakbo ng negosyo at ang reputasyon ng potensiyal na miyembro sa komunidad.

Capacity – Tingnan maigi ang cashflow ng pamilya. Magkano ba ang kita o gastos nila sa kada buwan? Dito pa lang ay makapagdedesisyon ka na kung may kapasidad ba siya o wala.

Capital – Magkano ba ang kapital na

CI Like a CIA Agent

Ni Fay Amodia



Tips

nailabas ng pamilya sa kanilang negosyo? Pag-isipang mabuti kung kailangan pa nila ng dagdag kapital sa ganito kalaki o liit na negosyo. Alamin ang kanilang plano sa negosyo.

Collateral – Ang mga nakikitang gamit sa loob ng bahay at ng negosyo ay katibayan na siya ay may kakayahang magbayad.

Conditions – Ano ba ang kondisyon ng kaniyang negosyo? Marami ba siyang kakompetensya sa kanilang lugar? Kaya ba niyang makipagsabayan dito? Lumalago ba ang kaniyang negosyo? O mas malaki pa ang gastos ng pamilya kaysa sa kita? Ito ang mga aspeto na kailangan mong malaman.

Tandaan natin na hindi maiiwasan ang problema sa sentro; paano pa kaya kung ‘di mo nagawa ang CI nang maayos? Kapag nakita mo ang sitwasyon ng kasamahan mong PA na may mga miyembro na hindi nakapagbabayad, baka masasabi mo ring, “Paano niya kaya ginawa ang pagsi-CI na pumasa ang mga miyembrong ito?” Ganito rin kaya ang maiisip ng kapwa PA mo sa mga miyembro na hawak mo?

Hindi sa lahat ng bagay ay mainam ang shortcut. Minsan sa shortcut ay mas napapabilis ang pagdating ng problema sa ating buhay. Totoong nakakapagod at matagal ang prosesong dinadaanan sa pagsasagawa ng CI. Ngunit mas maigi na piliin natin na maghirap sa pagsasagawa nito kaysa sa mahirapan tayo sa pagpapatakbo ng sentro pagdating ng panahon.

CI Like a CIA Agent

As KMBI staff, facilitation of meetings or devotion sessions is quite normal. But I

know, at times you still get those butterflies in your stomach. You find yourself taking a deep breath and saying “I can do it!” until in the middle of your presentation you will hear yourself again saying, “Oh no! No one is participating!” or “Most of them are sleeping now. What should I do?” After your presentation, you ask yourself, “Do I really have what it takes to be a good facilitator?”

Facilitators play a vital role in a meeting or presentation. Their basic function is to enhance the learning experience of the participants and create channel for ideas, opinions, and reactions. These are special skills, so many end up consulting books or facilitation guides. But in reality, there’s no standard of perfection in facilitation. Wait, put those eyebrows down, first. I know you’ll get in trouble once you stood up there, start your presentation and boom! You didn’t do it perfectly. So try these simple tips:

Get clear on the goals. First, discuss with all participants the objectives of the meeting or session. They should know these to be guided and to achieve the expected outcome of the session.

Set ground rules. Facilitated sessions can be demanding and challenging and it is easy for things to get out of hand. Agree on a set of ground rules with the group and make sure that they are prominently displayed so that they can be used as reference point in the event of disputes.

Keep focused. Focus on the goals and don’t allow one person to dominate the discussion. There’s a tendency to drift off the point or off the topic once one of your participants dominates the discussion. As the facilitator, you need to take control and deal with in a way that does not undermine the individual.

Involve the quiet participants. There are participants that are really shy or don’t

know how to express their opinions. Try to look for ways to involve them. Maybe an icebreaker may release tension or any other encouragement.

Listen actively. Being a facilitator doesn’t mean that you are just merely talking. Listen to the opinion of your participants. You also need to pay attention to the non-verbal signs like the overall energy level or atmosphere in the room.

Stay neutral. Your job is to facilitate the discussion; bring out the ideas and capture them. You are not part of the group or team and you need to stay neutral. This means keeping your own views out of the session and not taking sides.

Summarize periodically. Facilitated sessions move at a certain pace. A lot will be going on so it is useful to summarise periodically. This will help to keep the group focused, on track and provide foundations to build on.

Again, there’s no standard of perfection in facilitation. As situations become more challenging, you have to grow in order to keep up with new opportunities. Just remember to go up there with the right gear and give your participants the greatest learning experience. Go, break a leg.

Now, are you ready for the next presentation?

References:http://www.promenadespeakers.com/id89.htmlhttp://ezinearticles.com/?8-Tips-for-Effective-Facilitation&id=931364Graphics source: http://hubpages.com/hub/Fear-of-Public-Speaking

Ready for the Next Presentation?How to facilitate with clear-cut results


Tips

Leadership is ideally about respect and selflessness. However, leaders have varying outlooks regarding their leadership and management of people. Consider these two thoughts:

• People with high IQ are hard to find and I am one of the elite group of smart people in this organization. My staff will never be able to figure things out without me. I need to have all the answers.

• This organization is teeming with potential. My team is composed of smart people and with the right nudge, they can get smarter. My job is to ask the right questions.

Authors of the book Multipliers: How the Best Leaders Make Everyone Smarter, Liz Wiseman and Greg McKeown, call those who have the first outlook as the diminishers and those with the second outlook as multipliers.

How different are multipliers and diminishers? Wiseman and McKeown analysed data from 150 leaders in four continents and identified the following key differences between multipliers and diminishers:

Are You A Multiplier or a Diminisher?By Kris Dalanon

Multipliers DiminishersCreate value Destroy value

Foster a culture of intelligence by harnessing the energy and intelligence around them. Employees under their leadership don’t just feel smarter, but become smarter

Dominate their team’s thinking, underutilise people, and leave creativity and talent on the table

Use their intelligence to amplify the smarts and capabilities of the people around them, and inspire employees to stretch themselves to deliver results that surpass expectations

Drain intelligence, energy, and diminish talent and commitment from the people around them

Believe their people are smart and will figure things out

Believe their people will never figure things out without them

Believe smarts are ever-evolving and can be cultivated. They don’t ask, “Is this person smart?’ but rather “In what ways is this person smart?’

Base their view of intelligence on elitism, scarcity and stasis. They believe that they won’t find high levels of brainpower everywhere, in everyone, and if their employees don’t get it now, they never will

Walk into a room and light bulbs flash over people’s heads, ideas flow, and problems get solved

Need to be the smartest, most capable person in the room, which means they often shut down others’ smarts and stifle the flow of ideas

Tend to develop, explore, challenge, consult and support people

Tend to use, blame, tell, dictate, and control people

Multipliers Types Diminishers TypesTalent magnets attract capable people and use them to their highest potential.

Empire builders hoard resources and under utilize talent.

Liberators create an intense environment that requires people’s best thinking and work.

Tyrants create a tense environment that suppresses people’s thinking and capabilities, and produce straitjacketed thinking.

Challengers define opportunities that make people stretch their thinking and behavior.

Know-it-alls need to show off their knowledge.

Debate makers drive sound decisions by cultivating rigorous debate.

Autocratic decision-makers make decisions in isolation that confuse everyone.

Investors give others ownership of results and invest in their success.

Micromanagers need to be involved in everything.

These authors also say there are five types of multipliers and diminishers. They are as follows:

So what dya think? C’mon, read it again and this time, try to make an honest assessment of your leadership style. Start by answering these two simple questions: Tell me about your team, and who is there at your current job because of you? Tom Friel, former CEO and Chairman of the Board at Heidrick & Struggles, uses these questions to spot multipliers. He said, “A diminisher will begin by talking about their team, but the conversation will quickly shift back to


Project Update

Are You A Multiplier or a Diminisher?

them and their own successes. A multiplier can talk at length about the capabilities and the contributions of the people on their team.” He goes on to say that multipliers attract talents for they are seen as “the boss to work for” even though they are tough and exacting managers. For diminishers, talents consider working for them as the last option. Multipliers make everyone around them feel and become smarter, while diminishers make everyone around them feel and become dumber.

How can we improve? If you are a multiplier, congratulations! But if you’re the opposite, there’s still a chance to change. Wiseman and McKeown shared the following ways to avoid becoming diminishers:

• Don’t throw all your ideas and suggestions on the table at once. Dispense your thoughts in small but intense doses. By limiting your own comments, you make space for others to contribute – and your words become that much more influential.

• Stop worrying about having all the answers. Use your knowledge to ask insightful questions that prompt the members of your team to stop, think, and then rethink.

What are we missing? This leadership position is, after all, an opportunity for us to bring out the best in others, be they subordinates or clients. The many “bests” we produce will actually produce many more of the same kind. Let’s not waste the opportunity.

References:http://www.leadershipnow.com/leadingblog/2010/06/multipliers_how_the_best_leade.htmlhttp://www.mba.co.za/article.aspx?rootid=6&subdirectoryid=2432http://hbr.org/2010/05/managing-yourself-bringing-out-the-best-in-your-people/ar/1http://multipliersbook.com/2010/how-to-spot-a-multiplier-2-interview-questions-from-a-master/

Part of the technical assistance being provided for the empowerment of

beneficiaries under the CBEDP is the continuous consultation especially in the aspect of determining the viability of the ten local livelihood enterprises created near the end of 2008. The staff of the Community Development Unit under the Enterprise Development Division went to Koronadal, South Cotabato and met with selected officers of five enterprises bound for fund disbursement. They are the Food Always In the Home (FAITH) Gardening Association, Vermi-culture and Compost Production Association, Talipapa Project, Plant Propagation and Nursery Management Association, and Cosmetology Project.

This was a timely and necessary step to the right direction as KMBI is looking at validating the approach that it has taken to see if the said enterprises could sustain themselves even if the organization ceases its functions on this project. The viability data includes projected income to be generated from production, for example, in the FAITH Gardening Association, produce

coming from the planting of various vegetables such as eggplant, tomato, and bitter melon, and their operational expenses. As far as the consultative meeting went, all the five above mentioned enterprises have shown viability on their livelihood operations. It is now only a matter of time, and the full financial

support of KMBI to the implementation of the CBEDP for our beneficiaries will determine if the viability data is correct or leading the other way around.

The Comdev Unit recently conducted the second interview and screening activity to determine the officer to be assigned in its project area at Carolina, Naga, Camarines Sur. The result of the said activity was very encouraging and is now in the final stages of recommending to KMBI Management the personnel to be assigned on the said project site. Target full implementation is on September of the same year. Meanwhile, the Unit has also endorsed Borbon, San Francisco, Agusan del Sur as another area for development implementation to the Executive Directors Office so that hiring and designation of officer shall commence on the same quarter.


Koronadal enterprise officers scrutinizing viabillity data.


Our 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 creation”

Our Mission“KMBI is a Christ-centered development organization,

existing to help transform the lives of its clients and develop

its human resources who will provide sustainable

microfinance, training and demand-driven

non-financial services.”

Core ValuesRespectIntegrity

StewardshipCommitment to the Poor

DisciplineInnovationExcellence

Goal 25.250“Reaching out to 250,000 Filipino households on our

25th year”

Kabalikat para sa Maunlad na Buhay, Inc.Head Office: KMBI Bldg., 12 San Francisco

St., Karuhatan, Valenzuela CityTel (02) 291.1484 to 86 l Fax (02) 292.2441

Kwento mo ba ‘to?The Marvelenius One!Ni Vanessa Espinosa at Michael Elbore

Bawat indibidwal dito sa mundo ay nangangarap na maging superhero. Naglalaro sa ating isipan noong tayo ay musmos pa lamang na maging tagapagligtas o tagapag-tanggol ng mga naaapi. Kaya nga patok sa mga bata ang Marvel at Mars Ravelo superhero komiks.

Tawagin ninyo na lang kaming “Marvelenius.” Isa kami sa mga kabataang umidolo sa mga superhero noong kami ay mga musmos pa. Kami ay binubuo ng labing dalawang katao. Itago niyo na lang kami sa pangalang Vanessa, Rosunny, Glenn, Michael, Recardo, Cashmere, Cora, Jevalyn, Jenelyn, Rodel, Ian, kasama ang aming pinunong si Rhany. Kunyari ay hindi niyo kami kilala para mapangatawanan namin ang pagiging superhero.

Ang katuparan ng aming munting pangarap ay nabuo dito sa KMBI. Lahat kami ay pawang nagmula sa Marbel, South Cotabato. Marbel - Marvel, magkatunog hindi ba? Kaya nga siguro pare-pareho kaming nangarap maging superhero.

Dahil dito, umusbong ang aming pagkakaibigan. Nanatili kaming walang iwanan sa lahat ng oras. Pinatatag kami ng panahon at ang organisasyon na rin ang nagsilbi naming tahanan. Mula sa pagiging program assistant ay sama-sama at tulong-tulong naming nilipad ang aming mga pangarap na makatulong sa mga kliyente, kaibigan, at pamilya.

Hindi man kami tulad nina Darna at Superman na taglay ang kapangyarihang liparin ang kalawakan at pumaroon kung sila’y tawagin sa lahat ng oras, kami’y

nakahandang liparin ang adhikaing magserbisyo sa bayang mahal. Mula sa Timog Mindanao lumipad kami patungong Hilagang Luzon, kapit-kamay sa paglalakbay, hindi matitinag ang samahan. Patuloy lang ang aming pagserbisyo kasi hangad namin na mabigyang inspirasyon ang aming nasasakupan upang bumuo ng tunay na pagkakaibigan sa puso, isip at gawa na handang lumaban sa hirap at pasakit. Hangad din naming mahubog sa kanila ang dedikasyong magsilbi hindi lamang sa kani-kanilang pamilya kundi maging sa sambayanang Pilipino.

Malayo o malapit man, tuluy-tuloy pa rin ang laban na mag-iiwan ng buhay na ala-ala dahil ang pagiging bayani ay hindi lamang nasusukat sa lakas at galing bagkus ay sa hangaring magsilbi na walang hinihintay na kapalit, kagaya ng mga Marvel superheroes.

Organizational Performance2nd Quarter 2010

Indicators

Loan Activity

Client Outreach (active) 215,441

Loan Portfolio P630.14M

Value of Loans Made P1,067.37B

Portfolio-at-Risk 6.35%

Ave. No. of Client per PA 242

No. of Loan Made 190,007

Efficiency

Cost per Unit Lent (USD)* 0.00409

Cost per Loan Made (USD)* 23

Financial Self-Sufficiency 103.39%

Operational Self-Sufficiency 107.63%

Number of Staff

MF Operations 1200

Support Group 92

* USD 1.00 is equivalent to Php46.40 as of June 30, 2010

communi-k 2nd quarter 2010

Documents

thousands of lives

range of development

target client outreach

professional development

green game planare

promisedencouraging

chiefkris joy

workthe green game planwhat