1st and 2nd Quarter Communi-k

communi-k KMBI

VOL 8 NO 1

“Appointed you to go and bear fruit, fruit that last...”

John 15:16

Next Gen INSIDE:

Kulang Pa rin Ba?

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No Holding Back Building Character Building Leadership

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Balik eskwela, Balik homework

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Net Panalo ka kapag Generation: Disiplina | 1 “Level Up: Next Gen” (Johnmay 15:16) 22 Sino ba sila? 21

Contents

IN THIS ISSUE VOLUME 8

NO1

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Branch News • Summer Saya 2011 kicks off • Batangas and Cebu South embrace V-Day • Silay, Sta.Cruz, NORSOCO, hold sports fest • Head Office and Branches undergo Safety Awareness Training and Drill

1st-2ND QUARTER 2011

5-7 Organizational News • Mass Wedding outshines typhoon Falcon • Perez receives KILOS scholarship grant • KMBI taking its outreach strength to 71 • LEaD Camp unites staff and PMs • KMBI, MCPI and PlaNet Finance forge partnership • BOT re-elects Exiomo as Chairman and President • Internal Audit Team establishes to support QMS

P. 5

P. 6

Leaders’ Edge P. 8

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• Kulang Pa rin ba?

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• I Hate My Job

10 • No Holding Back: Building Character, Building Leadership 14 • Hunting your lost treasure

KMBI @ 25 years P. 7

12 • The Footprints of Decades of Service Against Poverty

Cover Story

16 • Aiming Towards One Direction

ENTREP 101 18 • Walang One Click

Tips 20 • Balik Eskwela, Balik Homework 21 • Net Generation: Sino Ba Sila?

MF Index 22 • Panalo ka kapag may Disiplina

Project Updates 23 • Individual loan 24 • Agricultural Microfinancing

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Organizational Performance

EDITORIAL BOARD THE CHAIRPERSON’S NOTE Rizaldy R. Duque Editor-in-Chief Marissa M. Dela Rosa Editor Lea J. Gatpandan-Domingo Associate Editor Joel D. Clavecilla Harry D. Dalanon Margie Ritz M. Genato Francis J. Kong Ramel L. Leyson Amelia S. Magpayo Mishell M. Malabaguio Ros A. Matienzo Rose Ailene R. Peña Contributors Marga N. Rodriguez John David I. Ulangca Graphics Design Hector H. Celajes Jefferson T. Ng Circulation For editorial, contributions, suggestions and inquiries, please contact: RM & C Department Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., Karuhatan Valenzuela City 1441 Philippines Email: leagatpandan@kmbi.org.ph

Mayroon ka bang natatanging kwento na gusto mong ibahagi?

Years ago, a small group of people dreamed of helping church members and experience what it means to be blessed. From a small room catering to less than 100 program members, who could have imagined what used to be a dream, will grow this big?

From its humble beginning, KMBI has now grown to a non-stock, non-profit development organization, which has areas of operations in almost all parts of the country.

And as it approaches its 25th year of existence, it’s now reaping the fruits of its labor – from receiving recognitions from other entities, to enjoying several years of success, to establishing more areas of operation, and to building enhanced partnership with key organizations.

We will continue to build the organization from this strong foundation. KMBI’s 25 years wouldn’t be fruitful without its people.

Our effort of more than two decades of fighting against poverty should not stop from here.

With this year’s theme “Level Up! Next Generation” – our journey has just begun! We will continue to affect and influence our society and equip them with knowledge and skills to knock down poverty.

We can only do so much if we do not have the best people who are committed in helping others.

At KMBI, everyday is an opportunity to grow beyond present challenges. And I am purposely praying that more people will join the organization who will push for holistic transformation.

Our purpose continues to be a simple one – to encourage people to grow and bear fruits that will last a lifetime!

Narito na ang KWENTO MO BA ‘TO? na magbibigay daan sa mga natatanging kwento ng mga empleyado sa operation. Anuman ang iyong posisyon...anuman ang iyong kwento, mapadrama, 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 leagatpandan@ kmbi.org.ph

Damiana D. Exiomo Chairman and President

“Level Up: Next Gen” (John 15:16)

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Branch News

Summer Saya 2011 kicks off

Head Office and Branches undergo Safety Awareness Training and Drill

Program members unleashed their competitive sides over games and challenges.

Bacolod branch program members enjoyed the praise and worship, parlor games, raffle draw, and Search for Gng. KMBI Beauty Contest held at Onyok Velasco Gym, Bacolod City. On the other hand, Roxas branch gathered its clients at Capiz Bacolod branch staff together with reigned Gng. KMBI 2011 after the Gymnasium, Villareal Stadium, awarding ceremony.

Roxas City, Capiz for a day of fun and excitement with tons of activities such as Amateur Singing and Summer Saya 2011 finally kicked off at Dance Contest, Search for Gng. KMBI Bacolod and Roxas branches as they hosted a sporting event to promote team work and Beauty Contest, Oath taking of officers, and recognition of outstanding centers. camaraderie in their respective branches.

In cooperation with the Bureau of Fire Protection (BFP) and National Red Cross, staff from head office, Batangas, and Cebu North and South branches recently underwent safety awareness training and drill exercises in their respective offices.

The said activity was organized to heighten awareness on disaster prevention, mitigation and preparedness.

Truths and facts about the hazards and damages brought about by natural disasters such as typhoons, earthquakes, volcanic eruptions and man-made catastrophes such as terrorism were discussed during the brief awareness training. After the briefing, a fire and earthquake drill was administered by BFP representatives.

Batangas and Cebu South embrace V-Day Batangas and Cebu South branch once again filled the excitement of its program members as it orchestrated a Valentine’s Day Fair on February at their respective branches.

Branches took the opportunity to minister to the married couples and their families and to promote the importance of love and commitment. Batangas branch gathered its members to a day of praise and worship. Pastor Jun Ceasar, Batangas branch mentor, graced the said event

and delivered a short reflection on 4Cs of married life: Completeness, Commitment, Companion and Christ. To further spice up the activity, a photo contest was organized where in program members who are at least 10 years married submitted their sweetest photographs with their husband. On the other hand, Cebu South branch’s highlight of the event was the contest of oldest love letters kept by their program members.

Winners of the said contest were given a free Valentine’s date with their husbands.

Silay, Sta.Cruz, SOCKSARGEN, hold sports fest In the spirit of camaraderie and fair play, KMBI Silay, Sta. Cruz, and branches of SOCKSARGEN area conducted their annual sports fest on their respective areas.

The activity aims to strengthen the bond between staff and to instill the value of team spirit to everyone. In the same note, it hopes to develop the employees’ competitive character and determination to excel.

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Among the highlights of the activity are short devotion, praise and worship, amazing race, bayanihan, dance competitions, patintero, mixed volleyball, and basketball. Before the sportsfest, Tacurong branch solemnly swear to be respectful of the game and each other.

The Oath of Sportsmanship was led by Tacurong former branch manager, Robelito Andrade.

Cebu North branch officers demonstrates the proper rescuing procedures in case of disaster.

Senior Fire Officer IV and Officerin-Charge in Public Information Section Alfredo Castro of BFP Valenzuela stressed that prevention is always better than cure.

Hence, helping each other especially in time of need would mean having a safer and better place to live, he added.

This activity is held annually in compliance to the organization’s safety standards and measures.

Organizational News

Mass Wedding outshines typhoon Falcon

Left Photo: Couples from Valenzuela branch uses “padjak” or a pedicab as their bridal car going to the reception after the ceremony. Right Photo: Grooms helping each other to prepare themselves for the big day.

Rains and floods did not even stop them!

563 couples in 66 branches nationwide exchanged vows and tied the knot despite of Falcon’s raging winds and rain as KMBI spearheaded its annual mass wedding.

“Malaki ang tulong nito. Una, spiritually blessed ka ng God, blessed ka ng minister, blessed ka ng society...so malaki ang benefit nito,”(This really helps. First, you are blessed by God, you are blessed by the minister, you are blessed by the society...so it’s really beneficial,”) says Joel Clavecilla, Tandang Sora, branch manager.

It was an emotional, fun and Spiritual-filled event as these couples made a covenant before men and God in the sanctity of marriage. Couples from Valenzuela branch even had to ride on a truck and pedicab, with the brides’ wedding gowns safely kept in a plastic bag, just to make it to the venue.

For some, it was a dream come true as some couples had concerns as to what kind of wedding and church they would attend because of difference in religious beliefs.

Ronalyn Marino, a program member from Tandang Sora and a Catholic, who got

married to Radia Solaiman Disomimba, a Muslim, said that she’s grateful because KMBI has prepared an ecumenical wedding for couples like them aside from the financial support it gave for the wedding.

“Maraming problem – sa religion, sa family...ngayon, binigay sa amin ng KMBI ang pagsasama na tiyak para sa kanya...

Para maging legal ang pamilya namin, maging legal yung pagsasama namin.”

(There were problems – in religion and family...now KMBI gave us the kind of wedding that suits him...to legalize our family and our relationship.”) Ronalyn and Radia already have a child.

The ecumenical mass wedding was joined by couples of different spiritual background and orientation who have been living together and most already have children. This is one of the organization’s major activities that are being taken care of by the Transformation Department. It aims to reach one of the components of its SEES (Spiritual, Economic, Environmental, Social) program, which is to draw people near to God and have a deeper relationship with Him.

Perez receives KILOS scholarship grant Mark Josep Perez, a 15-year old son of Marilou Perez, KMBI program member from Upper Cavite branch, recently received his scholarship grant for the school year 2011 – 2012.

Perez immediately reported on May 25 at Alliance for Philippine Partners in Enterprise Development (APPEND) office to process his enrolment at the University of Sto. Tomas, España, Manila.

Perez graduated at Tagaytay City Science National High School. According to him, at a young age, he dreams to be the pride of his parents and to become a lawyer someday. He decided to take up Political Science in college to reach his ultimate goals. “I would like to thank KMBI for their support because I wouldn’t be here without KMBI. May God continue to shower them with blessings and use them to inspire more people,” said Perez.

In partnership with APPEND and Gordon and Helen Smith Foundation, KMBI is able to support knowledge development and leadership potential of promising youth.

KMBI taking its outreach strength to 71 To complete the 71 branches as part of KMBI’s expansion plan for 2011, it opened its last branch at Pinamalayan, Oriental Mindoro.

The branch was formally inaugurated on April 18, 2011 graced by the organization’s chairman and president, Damiana Exiomo, and other management committees. During its inauguration, Pinamalayan branch disbursed a total of P1,236,000 of loans to 309 clients.

While keen in expanding to more branches, Exiomo said that the organization will now focus on beefing up its current branches.

“Level Up: Next Gen” (John 15:16)

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Organizational News

LEaD Camp unites staff and PMs was the awards night for KMBI’s service awardees and performing staff members.

The ballroom was filled with fun and excitement as participants enjoyed special numbers from Cebu program members and captivated their hearts and souls during the Praise & Worship Night, led by KMBI’s 4HG band and with special performance

by UV (University of Visayas) Chorale. The participants were also encouraged to do their parts in taking care of the environment with the back-to-back performances of 4HG band and Gary Granada, an advocate of environmental conservation and social change.

This event is held annually to further hone the skills of the participants, anchored to the organization’s strategic goals and mission.

KMBI, MCPI and PlaNet Finance forge partnership

Photos (clockwise):Crismar Escalon, Kidapawan branch manager, shares her experiences related to the topic “Pag-angat ko, Sabay ng Bayan ko”; one of the program members praising and worshiping the Lord during the camp; 5-year service awardees acknowledged during the camp; and Ms. Bolet Bautista talks about Self Care (Stress Management) during one of the breakout sessions.

May 2011. Cebu City – KMBI marked another milestone as it recently held its 4th Leadership Enhancement and Development (LEaD) Camp at the Pacific Grand Ballroom, Waterfront Hotel in Lahug, Cebu City where staff and program members joined together for the first time.

With the theme “LEVEL UP! Next Generation,” this four-day camp aimed to encourage everyone to take a step farther from where they are right now by providing helpful topics, which would help them become better individuals. These included topics about finances, managing stress,

6 | Communi-K • vol. 8 no.1

topics like emphasis on the role of women in building strong community for the program members and people management for the staff among others.

Major plenary sessions were also conducted for both program members and staff to give them better understanding of what it means to “level-up.” Seasoned speakers such as Dr. Philip Flores, Dr. Bessie Rios, and Atty. Weena Mendoza shared their expertise about leveling up, being successful in oneself as means of contributing to the success of the nation, and the power of synergy, respectively.

One of the major highlights of the event

KMBI signed on March 17 in Quezon City, a Memorandum of Agreement (MOA) on Improving Financial Inclusion and Social Impact Towards Food Security in Southeast Asia project. This European Union funded project is spearheaded by PlaNet Finance (PF) in partnership with Microfinance Council of the Philippines (MCPI).

Out of 18 applicants, KMBI along with seven other organizations has fulfilled the selection criteria for the said project. The two-year project aims to increase food security and farm productivity among the underserved small farm households by giving access to a wider-range of financial services and creates positive social impact and

KMBI, MCPI/p.7

Organizational News

BOT re-elects Exiomo as Chairman and President

Left-Right; Atty. Servillano Mendoza, corporate secretary; Mr. Eduardo Jimenez, vice chairman and vice president; Dr. Amelia Gonzales, corporate treasurer; Mrs. Damiana Exiomo, chairman and president; Dr. Ricardo Jumawan, trustee; and Mr. Emmanuel de Guzman, trustee.

Ho Chi Minh City, Vietnam – The Kabalikat para sa Maunlad na Buhay, Inc. (KMBI) elected on February 25, during the Annual General Board Meeting, its board of trustees for 2011 – 2012.

During the election, Damiana Exiomo was re-elected as chairman and president.

Eduardo Jimenez will serve as vice chairman and vice president, Atty. Servillano Mendoza was also re-elected as secretary; Dr. Amelia Gonzales replaced the late Aurelio Llenado, Jr. as treasurer, while Emmanuel De Guzman and Dr. Ricardo Jumawan will serve as

members of the Board of Trustees.

Exiomo expressed her gratefulness to the board and management for their trust.

“I look forward to continue serving and working with this dynamic people to bring continued success and inspiration to other,” said Exiomo.

The newly elected trustees also joined the KMBI management on their Strategic Planning last February 28 – March 2, in Ho Chi Minh City, to discuss the plan of the organization for the next five years.

Internal Audit Team establishes to support QMS To assist the organization in meeting the quality management standards and consistency in compliance with the ISO 9001:2008, KMBI (Kabalikat para sa Maunlad na Buhay, Inc.) started to pool its Internal Audit Team. To be part of the team, selected staff attended the 3-day training conducted from June 1-3 by QConsult, Inc, an International Management Systems Standards expert.

According to Reynald Alpajando, quality management manager, this is the second batch of the internal audit team; the first batch was gathered in August 2009.

He further explained that the audit team is expected to assist the audit division in ensuring that the quality management principles associated with ISO 9001:2008 is consistently complied in all branches and department through audit activities.

For the third quarter of the year, Entrepreneurship Development and Services, Information Technology, Research and Development, Resource Mobilization and Communications, and Training departments together with branches in Digos, General Santos 1, Naga, Tacurong, and Upper Cavite will undergo quality audit for ISO 9001:2008 certification, On the other hand, a surveillance audit will also be conducted on departments and branches that were recently certified.

KMBI, MCPI...from p.6 financial literacy in Cambodia, Vietnam and in the Philippines.

With this MOA, PF shall provide technical assistance in integration of Social Performance Management in KMBI’s operations to effectively develop agrimicrofinance financial and non-financial products to its clients. MCPI shall assist PF in implementing the technical assistance to KMBI in various ways, such as assisting in

the facilitation of training, and delivery of coaching and mentoring to ensure smooth implementation of the technical assistance.

The project aimed at assisting interested microfinance institutions in enhancing their capacity, capability and outreach through the promotion of innovations, and transparency. The agreement will end upon completion of all obligations of PF and MCPI in 2013.

Katherina Bantegui, QConsult Inc. Lead Management Sytem Consultant conducts Internal Audit Training.

“Level Up: Next Gen” (John 15:16)

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Leaders’ Edge

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ayong lahat ay excited sa tuwing araw ng sweldo, kaya nga tayo nagtatrabaho para maibigay natin ang pangangailangan ng ating pamilya, ‘di ba. Nandiyang excited tayo sa pag-iisip kung pwede na bang mapalitan ang butas mong sapatos, o kaya naman pwede na bang mabilhan ng bagong bag si Junjun, o bagong LED TV man lang si misis o mister.

Pero paano na lang kung wala pa ang araw ng sweldo ay naipangako mo na sa iba ang laman nito? Bayad sa utang sa credit card, utang kay Aling Lusing, nakasanla ang ATM card sa bumbay, at iba pa. Teka, mukhang taga-withdraw ka na lang yata ng iyong pinagpaguran n’yan at mukhang kulang pa ang laman ng ATM card mo sa mga dapat mong bayaran.

Ano ang dapat mong gawin? Maiisip mo ah, dapat ma-promote ako sa trabaho para lumaki ang sweldo at mapagkasya ito.

Tama naman ito, pero paano kung ilang promosyon na ang dumaan ay palagi pa ring kulang. Baka naman nasa iyo na ang problema at wala sa iyong kinikita. Malaking problema ito. Nais mo bang malaman kung tama ang iyong paghawak ng pera? Narito ang ilang katanungan at tips upang mai-ayos ang paghawak ng iyong kinikita.

May nakatakdang budget ka ba?

Ilang libro na ba ng Financial Management

8 | Communi-K Communi-K •• vol. vol. 88 no.1 no.1

Ni

rr

Ha

ang nagsasabi ng kahalagahan ng budget para maayos na mapangasiwaan ang iyong pera o kayamanan? Kaya dapat ay magkaroon ka muna ng budget. Syempre kailangan mo ng budget ayon sa kung magkano ang kinikita mo. Ang budget ay parang isang mapa na gagabay sa paggamit mo ng iyong pera. At higit sa lahat ito ay maglalayo sa iyo sa sobrang paggastos at pagiging baon sa utang.

Sinusunod mo ba ang itinakdang budget?

Marami ang naniniwala sa kahalagahan ng kanilang budget, pero kakaunti lang ang sumusunod nito. Kaya dapat maging faithful ka sa itinakda mong budget. Magdesisyon ka sa iyong sarili na sundin ito.

May listahan ka ba tuwing ikaw ay magsashopping? Sige, sabihin na nating alam na alam mo na kung anu-ano ang mga kailangan mong bilhin kada buwan, pero minsan kapag wala kang listahan, aminin natin, napapagastos tayo sa mga bagay na hindi naman pala natin kailangan. Tandaan lagi ang Needs vs. Want, bago bilhin ang isang bagay na wala sa iyong listahan ay isiping mabuti kung ito ba ay kailangan talaga o mga bagay na “gusto” mo lang kaya mo binili.

Bills, Bills, Bills! Nabayaran mo na ba?

Hangga’t maaga ay dapat mong bayaran ang mga ito. Mainam na pagkatanggap ng sweldo ay mabayaran mo na ang mga utility bills mo upang hindi mo ito makaligtaan o kaya naman ay aksidenteng mabawasan pa ang pambayad mo dito. Bukod dito, maiiwasan mo rin ang mga karagdagang multa.

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May ibang utang ka pa ba?

Ang pagkakaroon ng utang ay isang malaking responsibilidad. Huwag hayaang maging alipin ka nito. Kaya kung maaari, bayaran ito agad o iwasan ang pagkakaroon ng utang hangga’t maaari.

Handa ba ang bulsa mo sa mga di inaasahang pangyayari? Kalimitan sa mga di inaasahang mga pangyayari tayo ay nahuhulog sa malaking pagkakautang kaya planuhin at maglaan ng budget bago pa mangyari ang mga bagay na ito. Kaya dapat sa budget mo ay may nakatakdang halaga kung magkano ang mapupunta sa savings at hindi yung kung ano lang ang matira sa iyong kinikita.

Nagta-tithes ka ba?

Ang isang paraan na maparangalan natin ang Diyos sa ating mga kinikita ay ang pagkilala na ang ating pera ay galing lahat sa Kanya at dapat natin ibigay ang nararapat sa Kanya. Siya ang may-ari ng lahat ng bagay at kaya niyang ibigay ang lahat kung naisin Niya. Sinabi ng Kawikaan 3:9-10 “Parangalan mo si Yahweh sa pamamagitan ng iyong mga kayamanan, at mula sa iyong mga pinakamainam na ani, Siya ay iyo ring handugan. Sa gayon kamalig mo ay lagi nang aapaw, sisidlan mo ay hindi matutuyuan.”

Syempre hindi naman pwede na hindi mo maramdaman ang iyong pinaghirapan, kaya dapat maglaan ng kaunting bahagi ng budget para sa iyong sarili. Matapos mapangasiwaan ng maayos ang pera at mapaglaanan ng budget ang mga pangangailangan, dapat lang na bigyan din ng kasiyahan ang sarili.

Kapag taas noo mo nang masasagot ng OO ang mga ito, ay siguradong hindi na kukulangin ang iyong budget. Matututo kang disiplinahin ang iyong sarili at mamuhay ayon sa magkano ang iyong kinikita.

Sanggunian: http://www.christiananswers.net/qeden/wise-spending.html

I HATE MY JOB

Leaders’ Edge

By: Francis Kong

Y

ou hate your job. You’re thinking of quitting. You are not happy and you find that you have to drag yourself out of bed every morning so you can go to work. If you feel you’re being trapped in this situation then today’s message is for you.

Having a job you hate is never easy but sometimes you just need to grin and bear it until you have another gig lined up. Here are some productive things you may want to do: 1. START THE DAY WITH SOMETHING POSITIVE. Your daily morning ritual is extremely important. Start with being positive by doing something positive. Go to bed early and wake up early so you will have time to start the day with quiet meditation.

Or by reciting a simple prayer. You may want to set your alarm to play upbeat or classical music, have a wonderful sip of coffee and read a section of an inspirational book and when you improve your mornings, you will be surprised at how this can do wonders for the rest of your day. Going into a job you hate will be worse if you get to the office feeling rushed, stressed and frazzled.

Set aside some moments of solitude each morning.

2. KEEP YOUR EYES ON THE PRIZE. It is not true that everything about your job stinks.

You are not working in the sewage are you?

Do not exaggerate. There will always be something out there in your work life that

will make you happy. So make weekly goals to help you achieve those goals. But be careful with your daily goals too. Do one thing each day to help you reach your goals.

Do not be too obsessed with crossing all your items off your “To-do-list” every day because this will frustrate you. Sometimes it is easier to make it to 5 o’clock when you can keep your eye on the prize. When you get up in the morning, set a daily objective for yourself and make sure you achieve it.

This will give you a sense of accomplishment and keep you feeling good about your progress.

3. DEVELOP YOUR SKILLS. You may not love your job for the moment but do not rot. Use your time to learn new skills. This way you are putting in you more value and worth and preparing yourself to be a better candidate down the road. Attend your company training courses, learn something new on your computer. Read books. Listen to tapes during lunch. Turn this job that you hate into an opportunity for personal growth and improvement.

4. EXERCISE. Your problems and challenges become bigger than life when you are weak and unhealthy. So go to the gym. Run. Take a nice long walk. Put these activities in your schedule so that you will have something to look forward to every day.

5. CELEBRATE. Find little ways of treating yourself. Celebrate your victories. You beat the deadline. Your boss compliments you.

Find out what makes you feel better inside,

no matter what is going on outside. Plan out your next vacation. Join a small group.

I know so many young people who are involved with Bible study groups and they really look forward to their weekly meetings.

I guess here they all meet together and pray that God be merciful with their bosses. (joke….don’t take me seriously here…..)

6. IMPROVE YOUR PERFORMANCE. It doesn’t matter whether you like your job or you hate it. You must make it your goal to go to the next level and excel in what you do. Never for a moment think that just because you are employed you are working for somebody else. Your current accomplishments will be your equipment in future opportunities.

7. ALWAYS BE POSITIVE. Do not let your unhappiness in your job destroy your relationship with people. Maintain your contacts and keep your relationships positive. And this included the boss you love to hate. Realize that this too shall pass. Keep your chin up and be a professional.

If you are faithful in the small things then big things are bound to come.

Helen Keller says: “Keep your face in the sunshine and you can never see the shadow.” Believe me, there is sunshine even in your cubicle.

Source: http://franciskong.com

“Level Up: Next Gen” (John 15:16)

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Leaders’ Edge

Leadership is a magnetic personality that

Do you still remember the best leader you’ve ever worked for? What are the traits that made that person a great leader?

In the corporate world, when you are in the position, people normally look up to you. They follow you because you are in the position to direct or manage them and you are a good leader. But what if people just simply follow the title attached to your name and not with your vision and courage? Think about it, would you be a good leader and make good leaders in the future? Or your leadership style would suck and hold back your team?

can just as well be a glib tongue. It is not “making friends and influencing people,” that is flattery. Leadership is lifting a person’s vision to higher sights, the raising of a person’s performance to a higher standard, the building of a personality beyond its normal limitations.” –

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BU BU IL IL DIN DI G N G C LE HA A R DE A RS CT HI ER P

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Peter F. Draker

In leadership, titles should not stand alone. It should be backed up with character - a character that motivate and inspire your team. Your title can help you start with your leadership, but only character will let you succeed. It doesn’t matter if you are leading a team of two people, an ENTREP center of 30, or an entire organization of thousand. The bottom line is, anyone can be a leader, but only those who have character can be a great one. I know your next question would be what are the characteristics that all great leaders share?

Now, to help you with that, here are some tips that would help you become a great leader.

Leaders’ Edge

Be Trustworthy As Collin Powell said, Trust is the essence of leadership. So how can you become a trustworthy leader? First, you must have competence; it is the first reason why you are in your position by the way. So, it is your competence first that attracts your followers. Of course, don’t forget to enhance your competence as time goes by. Second, you must have integrity; it is as simple as being honest with all your dealings. Learn to apologize when you are wrong. Being a leader doesn’t mean that you are always right. Be righteous according to God’s eyes and He will help you make things right before man. Third, know how to respect; respect is always a two-way process; you respect people before you earn respect. It is not only about you being respected but it is also how you respect others. Lastly, you must have consistency; okay, let’s say you demonstrated competence, integrity and respect, but if it is not consistent, it will surely be blown away. You have to be consistent in everything you do. No one would like to follow a leader that is trustworthy one moment and unpredictable the next days.

Be passionate on the vision Passion is contagious. Let your team feel your passion and let them emulate it. If you have genuine passion for the vision of the organization, you will help your team expand their vision too. By doing that, you can also help your people to believe that they can attain more. You can work together towards one vision and goal. It would be easier for you to make them follow because they support the vision.

Become a good communicator Learn to explain things well to allow your team to have a firm grasp of the ideas that you are trying to convey and how to make things done. Also, don’t forget to genuinely listen to them. Communication takes place

only when your team understands what you are trying to say. As a good communicator, you should know your audience, you must be conscious of how and what you are going to communicate with them.

Think of your people Leaders don’t just think of themselves, they also think of how to elevate their people and the entire team. Inspire them to take action and enhance their capacity. Think about their strength and how to maximize it. Do not try to do everything yourself, trust your people, it should always be teamwork.

Your people will appreciate your willingness to trust them.

Remember that character creates trust and trust makes people follow – that is leadership. Leadership is different from management, though manager should provide leadership, not all leaders are managers. Leadership is actually about people skills and working towards what is right for the benefit of the organization and its team.

Everyone is a leader, hence, we are encouraged to be a character driven leaders…

Don’t just lead…develop a character to lead!

In Developing the Leader Within You, John Maxwell wrote about differences between character-driven and emotion-driven people: CHARACTER DRIVEN:

EMOTION DRIVEN:

Do right, then feel good.

Feel good, then do right.

Are commitment driven.

Are convenience-driven.

Make principle-based decisions.

Make popular decisions.

Let action control attitude.

Let attitude control action.

Believe it, then see it.

See it, then believe it.

Create momentum.

Create momentum.

Ask, “What are my responsibilities?

Ask, “What are my rights?”

Continue when problems arise.

Quit when problems arise.

Are steady.

Are moody.

Are leaders.

Are followers.

References: http://wealthwisdomandsuccess.com www.preachology.com www.thepracticeofleadership.net http://EzineArticles.com/2459435 http://johnmaxwellonleadership.com/2010/04/20/are-you-driven-by-emotion-or-character/ http://brucemctague.com/character-and-leadership

“Level Up: Next Gen” (John 15:16)

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The Footprints of Decades of Service Against Poverty

By Rose Ailene R. Peña

means resilience; it’s the power or ability to return to the original form and the ability to recover readily from illness. What a great description!

SILVER

– it has long been prized as a precious metal, perhaps one of the most commonly known chemical elements in the world. If one hears silver sounds, it’s clear and soft. If it’s silver tongue, it is eloquent and persuasive. And when it’s about silver, it indicates twenty-fifth event of a series.

Based on Northwest Territorial Mint, “Diversity is silver’s primary asset.

Its unique properties include beauty, strength, sensitivity to light, malleability and ductility, electrical and thermal conductivity, reflectivity and the ability to endure extreme temperature changes.”

Malleability means flexibility while ductility

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For 25 years, the Kabalikat para sa Maunlad na Buhay, Inc. or KMBI, has been helping the entrepreneurial poor carrying the flagship program of holistic transformation. Its vision is to see every individual it reaches to have a better living and a deeper relationship with God and the rest of His creation. 25 years of hardship, of perseverance, of continuing hope and endless love for the people all for the glory of God! Let’s look back at the early years of KMBI, from taking a bold step of planting small seeds of faith to what it has now become. ΩΩ From a church-based ministry. United Methodist Church, Valenzuela City – this

birthed the endless possibilities for KMBI when it started as a church-based credit program in 1985, only catering to its members during that time. It only had one worker in a six-square meter working area.

One of its first founders who thought of the concept was the late Aurelio “Jun” Llenado, Jr. He was working then as bank executive officer in Bangko Sentral ng Pilipinas (Central Bank of the Philippines). Together with the other first four, which include Dra. Amelia Gonzales, Noel Alcaide and Emmanuel “Ka Emmy” De Guzman, they responded to the call of God, which is to share His love and see the poor people live in abundance.

KMBI’s heart has always been for the poor, helping and equipping them both financially and spiritually. ΩΩ As a non-stock, non-government development organization. It was in 1986 when it was formally launched as an organization. It only had less than 50 clients who received financial aid from KMBI. Four years later, it made a tie-up with

y

Alliance of Philippine Partners in Enterprise Development, Inc. or APPEND, first and one of the largest groups of Christian development NGOs in the Philippines.

KMBI and other institutions under APPEND network share the same sentiments and values in uplifting the lives of our Filipino families, regardless of their religious and political affiliations. And until now, it has been serving the poor by providing sustainable financial and non-financial services. ΩΩ With effective approach and methodology. In 1991, it implemented the Ugnayan ng mga Kristiyanong Mangangalakal (UKMA) project that became the prototype of the Branch Scale Up model that is being adapted in several countries worldwide. UKMA gave opportunities for the clients to meet together and be enriched with spiritual and leadership trainings. The Branch Scale Up model, also known as Trust Bank model, is a combination of Grameen concept and several other microfinance approaches.

To create stronger tie-up, it also established partnership with Opportunity International (OI) Network in 1994.

ΩΩ Striving and growing stronger in its operations. 10 years after KMBI came to existence, it inaugurated its first building in Valenzuela City in 1995. KMBI knew that in order to survive and see its vision through, it must have solid foundation in the field of operations that is why it has formulated its 11-year plan to establish branches in Northern and Southern Luzon and in Mindanao. It has never gone weary in improving its operations as it continuously seek every opportunity to be of service to every Filipino family. Up to date, it has been operating in 71 branches with five mega branches nationwide.

But KMBI remained strong, not withdrawing from its advocacy to pressing towards a better future for everyone.

ΩΩ Living with standards and excellence.

For more than a decade, KMBI has been receiving awards and recognitions from different institutions for its exemplary work and undying dedication to serve the poor.

It constantly redefines its structures and processes to be of better service to people both for its clients and staff. And with the recent ISO 9001:2008 certification in 2010, it is committed to maintaining and/or improving its processes.

KMBI, starting from its field personnel to the office personnel, to the management and directors, to the Board of Trustees, are all motivated to serve by one thing and that is to serve the Lord by serving the poor people of the country.

ΩΩ Yielding but not breaking. Several disasters have hit its program members and staff; challenges are up every now and then.

ΩΩ Exists to glorify God. Proverbs 19:17 says, “Whoever is kind to the poor lends to the LORD, and he will reward them for what they have done.” KMBI, through God’s grace, has been active and unwavering in achieving its goals and in making God known to them. The poor will realize the existence of the Holy One if they will experience how to be loved and be taken care of. And this is the driving force of every individual behind the name, KMBI.

Truly, silver is one of the finest metals that signifies vigor and vibrancy. As KMBI celebrates its 25th year of existence, the organization will continue to soar high and reach out to more and more Filipinos all for the glory of God. Reference: http://bullion.nwtmint.com/silver_uses. php

“Level “Level Up: Up: Next Next Gen” Gen” (John (John 15:16) 15:16)

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Leaders’ Edge

HUNTING YOUR LOST TREASURE

By Amy Magpayo

The Way to Discover your Spiritual Gift As humans, we are complex beings. God gave us spiritual gifts that would enable us to be in service for God and to others. Everyone were given at least one gift from the Holy Spirit, while others can have two or more, but a lot of people find it hard to tune in or to discover these gifts. Although there are several spiritual tests available online to help you discover your gifts, there’s no single test that can validate these gifts. It actually takes an effort to discover and learn the means to use it according to God’s purpose. To help you find your way to the lost treasure – your spiritual gift, let us first go through the different types of Spiritual Gifts and identify yourself from any of it.

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Leaders’ Edge Administration - The gift of Administration is the divine enablement to understand what makes an organization function, and the special ability to plan and execute procedures that accomplish the goals of the ministry. A person with this gift can develop strategies or plans to reach identified goals, assist ministries to become more effective and efficient, create order out of organizational chaos, manage or coordinate a variety of responsibilities to accomplish a task, and organize people, tasks, or events.

Celibacy - The gift of Celibacy is the divine enablement to some members of the Body of Christ to remain single and enjoy it; to be unmarried and not suffer from sexual temptations.

Discerning of Spirits -The gift of Discernment is the divine enablement to distinguish between truth and error. It is able to discern the spirits, differentiating between good and evil, right and wrong.

Exhortation - The gift of Exhortation is the divine enablement to present truth so as to strengthen, comfort, or urge to action those who are discouraged or wavering in their faith.

Exorcism - The supernatural ability God gives to certain believers to cast out demons and evil spirits.

Faith - The gift of Faith is to act on God’s promises with confidence and unwavering belief in God’s ability to fulfil His purposes.

Giving - The gift of Giving is the ability to contribute money and resources to the work of the Lord with cheerfulness and liberality. People with this gift do not ask, “How much money do I need to give to God?” but, “How much money do I need to live on?”

Healing - The gift of Healing is the divine enablement to be God’s instrument for restoring people to wholeness.

Demonstrate the power of God, bring restoration to the sick and diseased.

Helps - The gift of Helps is to accomplish practical and necessary tasks which free-up, support and meet the needs of others. Serve behind the scenes wherever needed to support the gifts and ministries of others.

Hospitality - The gift of Hospitality to care for people by providing fellowship, food and shelter. Provide an environment where people feel valued and cared for and set people at ease in unfamiliar surroundings.

Intercession - The gift of Intercession is to consistently pray on behalf of and for others, seeing frequent and specific results.

Feel compelled to earnestly pray on behalf of someone or some cause and exercise authority and power for the protection of others and the equipping of them to serve.

Interpretation of Tongues -The gift of Interpretation of Tongues is the divine enablement to make known to the body of Christ the message of one who is speaking on tongues.

Leadership - The gift of Leadership is to cast vision, motivate, and direct people to harmoniously accomplish the purposes of God. Mercy - The gift of Mercy is to cheerfully and practically help those who are suffering or are in need. Mercy is compassion moved to action Miracles - The gift of Miracle Working is to authenticate the ministry and message of God through supernatural interventions which glorify Him. Missionary - The gift of Missionary is the divine enablement to minister in their spiritual giftedness in a second culture.

Enjoy other cultures, often have friends in other nations, may speak a foreign language, enjoy travelling, and are willing to assimilate in another culture.

Prophecy - The gift of Prophecy is the divine enablement to reveal the truth and proclaim it in a timely and relevant manner for understanding, correction, repentance or edification.

Teaching - The gift of Teaching is to understand, clearly explain and apply the word of God, causing greater Christ-likeness in the lives of listeners.

Tongues - The gift of Tongues is the divine enablement to speak, worship or pray in a language unknown to the speaker.

Voluntary Sacrificial Life - The gift of Martyrdom is the divine enablement to undergo suffering for the faith even to death while consistently displaying a joyous and victorious attitude that brings glory to God.

Minister fearlessly and fruitfully in situations of great danger without complaint.

Word of Knowledge - The gift of Word of Knowledge is to bring truth to the body through a revelation or Biblical insight.

Word of Wisdom - The gift of Word of Wisdom is to apply spiritual truth effectively to meet a need in a specific situation.

Now, do you identify yourself in any of the listed spiritual gifts above? Or are you thorn between two or more gifts? To help you fully understand your own spiritual gift, here are some steps for you to explore further your own gifts.

Pray - Envelop the whole process in prayer. The Lord will lead you to an identification of your gift(s) if you allow Him to guide and direct you in all your endeavors. Sincerely ask the Lord to show you your gift and how to use it for His glory.

Observe - Spiritual gifts are actually not hidden, though some of them are supernatural. Start observing what comes to you naturally. It can be something that you always do or exercise in your daily life or something that just come when it is needed.

Since your awareness to spiritual gift is still limited, you are not able to recognize it Hunting Lost.../p.23

“Level Up: Next Gen” (John 15:16)

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Cover Cover Story Story

“

Tandaan ninyo, ang kagustuhan ng Diyos ay mamunga, mas mamunga, at ang bunga ay tumagal.

E

”

very organization has its own arrow so does every individual. But how will we integrate ourselves among others who also have their own personal goals?

How can we grow with them?

During the annual general assembly held on January 2011, we are reminded that, what God wants is for us to be fruitful, to bear more fruits and these fruits should last. The theme verse this year, that is anchored to John 15:16, explains why every person, though he/she may have his/her own endeavor, should seek other peoples help and mingle with them in order to survive and be more productive. As unique individual, each has his/her own talents, strengths and weaknesses and it is human nature that we desire something good for ourselves. We plan for our future; we think of better things to come; we look forward to achieving all of them. However, can we arrive from one point to another without any circumstance of meeting another person?

Each one of us is compared to a wild plant in the midst of the forest. People come and go leaving that wild plant unnoticed. Gardening is the practice of

Communi-K • vol. 8 no.1 16 16 | Communi-K • vol. 8 no.1

Cover Story

LEVEL UP! Next Gen Aiming Towards One Direction

By Rose Ailene R. Peña

growing plants; of tending a garden while gardener is one who works in or tends a garden. This gardener takes care of the plants and sometimes prunes them if he needs to so it can grow better and bear more fruits. The wild plant is segregated among the others to give more room to grow on its own without affecting other plants and vice versa. This is the potting

stage – the ME arrow. Just like the wild plant, we also need someone to look after us – to prepare us for something better. This person or group

of persons sees our potential until we are able and our talents are made VIABLE for anyone to see from the outside arena.

After the potting stage comes the gardening stage. We are taken out of our shelves to mingle with others and complement each other’s strengths and weaknesses just like the wild plant when it is ready and can survive with the others. From being able, we make ourselves sustainable.

We bear more fruits because of the relationship and interdependence we have with the other groups. In this

organization, we allow the managers to manage and develop our skills. This is the WE arrow.

When the wild plant continuously grows and bears more fruits, it become sustainable. And these fruits last. This is the landscaping stage. Together with the other plants, it grows more and even becomes more beautiful. Same thing with us, if we go together towards one

direction, all of us will become productive and efficient. From the WE arrow, it becomes the US arrow.

It’s true that every individual is unique in his own way. But God created man not to

live alone. Man needs other people to take care of him, to encourage him, to challenge him and to grow with him. It’s the beauty of having a meaningful relationship with one another. And this is one of the secret of keeping an organization. Each component performs its duties well and together, results are even better. Though each one is different in his/her own way, heading towards one direction and bearing fruits that last means a more viable, sustainable, and stable organization.

“Level Up: Next Gen” (John 15:16) “Level Up: Next Gen” (John 15:16)

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ENTREP 101

WALANG Relationship Matters

O

ne click

S

a panahon ngayon, sabi nila teknolohiya na daw ang pinakamahalaga. High-tech na nga naman kasi ang lahat. Lahat na lang pwedeng gumalaw sa isang pindot, isang click o kaya ay pa-touch-touch na lang – lahat otomatik. Isa na lang yata ang hindi maaaring maging otomatiko – ang pagbuo ng isang mabuting relasyon sa kapwa. Kagaya ng teknolohiya, isa ito sa pinakamahalaga sa ating buhay.

May mga pag-aaral sa ibang bansa ang nagsasabing ang dahilan ng pagreresign ng empleyado sa isang trabaho ay ang hindi magandang relasyon sa boss at katrabaho at ang paglilipat ng empleyado sa ibang proyekto. Ayon ito sa pag-aaral sa walong organisasyon at 1000 empleyado.

Naalala ko tuloy ang sinabi ni Joel Clavecilla na Branch Manager ng Tandang Sora branch sa isang interview, sabi nya, sa kanyang palagay ang mga staff o kliyente na nagreresign ay iyong mga taong hindi napakisamahan ng maayos ng kanilang pinuno. Napakahalaga raw ng relationship ayon kay Clavecilla, dahil ang trabaho natin ay tungkol sa tao at hindi robot.

Paano na lang kung kada anim na buwan ay nagreresign ang empleyado at kliyente mo? Ganito kahalaga ang relationship, kaya nitong sumira o gawing tagumpay ang isang sentro, grupo, pamilya, negosyo o organisasyon. Ngayon, ano ang estado ng relasyon mo sa iyong empleyado, kliyente o pamilya? Matagumpay ka ba o naghihintay ka pa rin ng teknolohiya para maging otomatiko ito?

Upang matulungan ka sa iyong pakikipag-kapwa, narito ang ilang paraan

18 | Communi-K • vol. 8 no.1

upang mas maging malalim ang inyong samahan: • Buksan ang komunikasyon. Pwede mo itong gawin sa pormal o impormal na paraan, halimbawa sa mga meetings o kaya naman sa mga simpleng kwentuhan, pwede kang maglahad ng personal mong experiences na pwedeng maka-relate ang iyong team. Kapag may mga nagtatanong sayo kahit gaano ka ka-busy ay bigyan mo sila ng panahon na masagot ang tanong nila. Sa ganoong paraan, alam nila na madali ka nilang malapitan sa anumang oras. Darating ang panahon, sila rin mismo ay magiging bukas sayo sa kahit na anong bagay. Sa loob ng center meeting maaaring magsimula ang komunikasyon, sabi nga ni Margie Genato, program unit supervisor ng Tandang Sora branch, “ang isang magandang sentro ay nagmumula sa isang magandang meeting,” para sa kaniya ito ang daan upang makilala mo ang iyong mga kasama.

• Suportahan ang mga kasama.

Iparamdam ang suporta sa iyong mga kasama. Kung sila ay may mga proyekto, maaari mo silang tanungin kung ano ang maitutulong mo kahit hindi ka kasali doon. Maaari ka ring magbigay payo sa mga proyekto na kanilang ginagawa.

Ito ang magbubuklod sa inyo bilang isang grupo. Iwasan din ang pagsasalita ng laban sa ibang tao, maiiwasan nito ang samaan ng loob at mas magiging motivated ang mga tao sa kanilang pagtatrabaho. Huwag ka ring mahiya na humingi ng tulong o opinyon sa iyong mga kasama tungkol sa iyong proyekto, sa

ganitong paraan ay mas magkakakilanlan kayo at magiging komportable kayong katrabaho ang bawat isa.

• Ritwal. Hindi ko alam kung tamang tawagin itong ritwal, pero ang gusto ko lang sabihin ay magkaroon ng gestures na maaaring makapagparamdam sa ibang tao na sila ay mahalaga. Simpleng tapik sa balikat sa tuwing kayo ay nagkikita o matapos ang meeting, paggawa ng thank you note sa mga kasama bilang pasasalamat kahit na sa maliit na bagay na kanilang naitulong sayo, beso-beso,

“The single most important ingredient in the formula for success is knowing how to get along with people.”

(Ang isang napakahalagang sangkap ng tagumpay ay ang pagkakaroon ng kakayahang makisama. ) - Teddy Roosevelt -

at marami pang iba. Naobserbahan ko ito sa isang program assistant natin sa Tandang Sora branch na si Ramel Leyson, matapos ang kanilang center meeting ay nakikita ko na nilalapitan nya ang bawat miyembro nya at kinakamusta, bukod pa rito ang kaniyang pagtapik sa balikat. Sabi ni Leyson, konting tapik lang daw sa balikat ay nakakagaan na ito ng pakiramdam, lalo na kung marami kang problema, para daw bang sinasabi mo sa kaniya na “kaya mo ‘yan!”

• Mag-organisa ng gawain na walang

kinalaman sa trabaho. Hindi naman lahat eh puro trabaho na lang, kailangan marunong din tayong mag-timeout. Time-out muna sa trabaho para makapag-relaks. Sabi nila mas magiging open pa daw ang iyong mga kasama kung meron kayong pagkakataon na kalimutan muna ang trabaho at mag-bonding muna.

Wala naman sa tagal ng bonding time ito, pwedeng coffee break o mag-lunch lang kasama ang mga ka-grupo, hindi magtatagal ay makakapagpalagayan na kayo ng loob.

Tandaan, kapag ang isang grupo ay natutong makisama, sila-sila mismo ang magtutulungan.

Magpapalitan ng ideya, kuro-kuro at kaalaman, sabaysabay na matututo, at sabay-sabay ring magtatagumpay. Sa pakikisama, hindi uubra ang one click!

Mga Sanggunian: http://www.upliftprogram.com/article_relatetip. html http://www.garfinkleexecutivecoaching.com/ articles/buildingpositiverelationshipsatwork.html http://watershedsolutions.wordpress. com/2011/04/06/why-relationships-matter-at-work/ http://www.rethinkingyourwork.com/2009/10/23/ what-is-your-organization%E2%80%99s-tippingpoint-relationships-matters/ http://www.positive-attitude-tips.com/interpersonalrelations.html

“Level Up: Up: Next Next Gen” Gen” (John (John 15:16) 15:16) “Level

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19

Tips

Balik eskwela, Balik homework Ni Rose Ailene R. Peña

Buwan ng Hunyo. Katapusan ng tag-araw at hudyat ng tag-ulan. Maulan. Malamig.

Pasukan na naman.

Balik-eskwela na naman ang mahigit 24% ng mga kabataan sa silid-aralan. Hindi pa nabibilang dyan ang mga papasok sa mga pribadong eskwelahan. Ang mga paaralan at unibersidad ay tila sabik na namang akayin ang mga estudyanteng nawalay sa kanila ng ilang buwan. Ngunit, ganun din kaya ka-excited ang mga estudyanteng magbalik-eskwela?

Alam naman natin na isa sa mga “major requirements” sa pag-aaral ay ang paggawa ng “homework” o takdang aralin.

“Homework” ang tawag sa mga araling kailangang pag-aralan o tapusin sa tahanan.

Isa ito sa mga standards ng paaralan upang hubugin at hasain ang kaalaman at iba’t ibang kakayahan ng mga bata.

Karaniwan naman na kinatatamaran itong gawin ng mga bata dahil kadalasan ay maraming distraksyon sa loob ng tahanan na higit na kukuha ng kanilang atensyon.

Kaya nga madalas ay isang malaking hamon sa magulang at mga guro paano gawing interesante ang bawat homework. Narito ang ilang tips upang mahikayat ang mga batang gawin at tapusin ang kanilang mga homework:

mahirap hikayatin ang isang batang bigyan ng pansin ang paggawa ng takdang-aralin kung gagawin pa ito sa bahay dahil ito ay “extra load” pa sa kanila. Kalimitan ay mas gusto ng batang maglaro, manood ng TV o magcomputer sa halip na gumawa ng “homework.” Bagkus, palitan ang konsepto na ito ay isang oportunidad upang lalong matutunan ang mga subjects sa paaralan.

Tanungin ang bata kung mayroon syang kailangan pag-aralan imbes na kung mayroon siyang inuwing gawain mula sa paaralan.

maging “habit” ang pag-check at paggawa ng homework sa napag-usapang oras sa isang araw.

2. Iwasan ang mga maaaring makasagabal sa mag-aaral habang ito ay gumagawa ng takdang-aralin. Kung ikaw ay magulang, kailangang maging sensitibo sa kalagayan ng inyong mga anak. Tandaan na ito ay hindi lamang isang commitment ng magaaral kundi ng buong pamilya. Sa halip na manood ng tv o makinig ng radyo habang nag-aaral ang inyong anak, ilaan ang panahong ito sa paggawa ng ibang bagay tulad ng pagliligpit ng kalat, paghuhugas ng pinggan o iba pang gawaing-bahay.

Makakabawas ito sa anumang maaaring makakuha ng kanyang atensyon at makakatulong ito sa pagco-concentrate ng bata sa kanyang inaaral.

5. Purihin ang bata sa kanyang sariling pagsisikap na tapusin ang takdang-aralin.

Malaking bagay para sa mga bata na makita at mapuri sa kanyang pagtitiyaga at pagsisikap. Makatutulong ito upang higit nyang pagbutihin ang pag-aaral. Iwasan ang pagbibigay ng mga materyal na bagay bilang reward o kapalit sa paggawa nito ng homework. Makakasanayan lamang ito na bata at magiging epektibo lamang pansamantala. Sa halip ay huwag maging madamot sa pagbibigay ng papuri kung may nagawang mabuti ang isang bata.

3. Magpakita ng suporta at malasakit sa mag-aaral. Ang homework ay hindi dapat maging isang pabigat sa mag-aaral.

Hikayatin ang bata na maglaan ng oras kung kailan niya gagawin ang kanyang homework.

I-monitor ito upang matulungan ang bata na

4. Tulungan ang bata sa kanyang homework ngunit huwag akuin ang paggawa nito.

Tumulong lamang kung ang bata ay humihingi ng tulong sa kanyang homework.

Magbigay ng suhestyon o sitwasyon upang mas maintindihan ng bata ang kanyang pinag-aaralan. Ang homework ay para sa bata hindi para sa magulang na inuuwi lamang ng bata.

6. Makipag-ugnayan sa guro kung kailangan. Ang paggawa ng homework ay isang “partnership” sa pagitan ng paaralan at ng tahanan upang malinang nang mabuti ang kahusayan ng inyong anak. Huwag mag-atubiling sumangguni sa guro ng inyong anak kung sa tingin nyo ay may nakikitang problema pagdating sa pag-aaral ng inyong anak.

BALIK - ESKWELA

1. Tanggalin ang ideya na ito ay isang gawaing kailangang gawin sa bahay. Mas

Sanggunian : http://www.parenting-ed.org/html/html/Homework%20Handout%20.htm: http://www.newsforparents.org/expert_motivate_kids_homework.html

20 | Communi-K • vol. 8 no.1

Tips

Tips

Net Generation Sino ba sila?

Ni Lea J. Gatpandan-Domingo

G

eneration X, Y, Z, net generation... ito ang tawag sa mga henerasyon ng kabataan. Bawat henerasyon ay magkakaiba, bawat bata ay iba-iba, may sariling paniniwala, paninindigan, at pag-iisip. Teka, saang henerasyon ba ako nabibilang? Well, masasabi kong isa ako sa mga Gen X (ayon sa aking paniniwala at ayon sa Wikipedia, lolz). Ganoon pa man, hindi man nalalayo ang ating henerasyon sa mga kabataan ngayon, masasabi pa rin nating iba ang kabataan ngayon kaysa noong ating panahon. Minsan hirap tayong intindihin ang hilig at pag-uugali ng ating teenager na bunsong kapatid, pamangkin, anak, o sadya bang tayo ay tumatanda na at hindi na natin kayang maki-ride sa kanilang trip? Ito na nga ba ang tinatawag na generation gap? Kadalasan, dahil sa hindi pagkakaintindihan ay nagiging sakit ng ulo ang mga kabataang ito dahil pakiramdam nila ay hindi sila naiintidihan ng kanilang pamilya. Upang sila ay maintindihan at mapangalagaan ang kanilang teenage years, narito ang tatlong simpleng paraan – Stop, Look, and Listen.

STOP

Gaano ka man ka-busy, dapat na itigil muna ang iyong ginagawa at ibigay ang buong atensyon sa iyong teenager na anak o kapatid sa mga panahong gusto nilang makipag-usap sa iyo. Mahalaga sa mga teenager ang pakiramdam na sila ay pinapahalagahan dahil sila ay nasa stage na gusto nilang patunayan ang kanilang sarili. Kaya kailangang maramdaman ng mga kabataang ito na sila ay pinahahalagahan, na malaya silang makakalapit sa atin bilang magulang, kapatid o kamag-anak para makinig, at intindihin sila. Na malaya nilang

makukwento sa atin ang kanilang mga experiences, ito man ay masaya, malungkot, kabiguan at iba pa. Dapat natin sila hayaang magsalita. Kaya nga mas nagiging malapit sila sa kanilang mga kaibigan o girlfriend/ boyfriend dahil dito sila nakakakuha ng atensyon na gusto nila, dito nila malayang nasasabi ang kanilang mga nais o frustrations sa buhay.

LOOK

Ngayon na nagawa mong itigil ang iyong ginagawa para bigyang atensyon ang teenager na ito, mas magandang tingnan mo siya sa kaniyang mga mata habang siya ay nagsasalita. Alam naman natin ang kahalagahan ng eye contact sa pakikipagusap hindi ba? Napakaraming distractions sa paligid gaya ng TV, mobile phone, at iba pa, mas maganda kung sa kaniya mo muna ibibigay ang buong atensyon at hindi sa mga bagay na pwede naman ipagpaliban.

Mas nararamdaman nila na sincere ka sa pagtanggap mo sa kaniya at sa kaniyang mga sasabihin.

LISTEN

Pakinggan mabuti at intindihin ang kanilang mga sinasabi. Mas maganda rin na lalo mo pa syang hikayatin na ilahad sa iyo ang kaniyang mga experiences. Habang nakikinig, huwag mo syang husgahan, pulaan, pigilan sa pagsasalita, o kaagadagad mong pagagalitan. Subukan mong intindihin ang kaniyang mga sinasabi at nararamdaman, at pag-aralan ang sitwasyon. Bantayan rin ang iyong mga kinikilos at facial expression habang sya ay nagsasalita dahil maaaring maging daan ito na siya ay mailang na ituloy ang kaniyang sinasabi. Irespeto mo ang kaniyang opinyon,

maaaring hindi ka sang-ayon sa kaniyang opinyon pero subukan mo itong tanggapin at tulungan syang maging matatag ang kaniyang emosyon. Hindi magtatagal ang opinyong iyon ay unti-unting magbabago, siya rin mismo ang makakatuklas na mali iyon at ito ay dahil sa tulong mo.

Karaniwan sa mga kabataan ang nagrerebelde sapagkat hindi sila nabibigyan ng atensyon ng kanilang kapamilya. Nauuwi sa barkada at nalululong sa masamang bisyo dahil pakiramdam nila dito sila masaya, ito lang ang makakaintindi sa kanila, at ito lang ang paraan para makita at mapansin sila ng kanilang mga kapamilya.

Naalala mo pa ba ang TV commercial ni Ate Shawie (Cuneta) kung saan hinihikayat nya ang mga magulang na samahang kumain ang kanilang mga anak? Ang pagkain ng sama-sama ay magbibigay daan sa mga bata lalo na ang mga teenagers na maging bukas sa kanilang mga kapamilya. Mas nararamdaman nila ang koneksyon ng bawat isa kapag sama-sama silang kumakain.

Mas nakararamdam ng seguridad ang mga kabataang ito sa mga panahong palagi nilang nakakasama at nakaka-kwentuhan ang kanilang pamilya sa harap ng hapagkainan. Kapag nawala sa kanila ang insecurity, mas magiging masayahin ito at matututong makisalamuha sa iba.

References: http://www.preteenagerstoday.com/articles/youand-your-children/stop-look-and-listen-4951/ http://www.aboynamedxander.com/2011/06/ family-that-eats-together-stays-forever.html http://troubledteensolutions.com/handling-parentalfrustration-some-useful-tips/

“Level “Level Up: Up: Next Next Gen” Gen” (John (John 15:16) 15:16)

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21 21

MF Index

Panalo ka kapag may Disiplina

M

icrofinance – Dito mas kilala ang KMBI. Nagpapautang daw kasi ang KMBI sa maliliit na negosyante.

Totoo naman ito, pero ano ba ang kinalaman ng pagpapahiram ng pera sa transformation program? Ang KMBI ay nagpapahiram ng pera upang mabigyan ng pagkakataon ang maliliit na negosyante na madagdagan ang puhunan at tuluyang mapalago ang kanilang kabuhayan. Sa pamamagitan nito, ang mga maliliit na negosyante ay mababago ang kanilang buhay sa aspeto ng ekonomiya.

Kasama ng microfinance program ng KMBI ay ang patuloy nitong pagpapalakas ng spiritual, social, at environmental aspects ng kanilang mga empleyado at kliyente. Pumapasok ito sa lingguhang pagpupulong ng miyembro sa kanilang sentro at sa mga aktibidad na kanilang ginagawa.

Bumalik tayo ngayon sa usaping pagpapahiram ng pera. Ang KMBI ba ay tinuturuan ang mamamayan na mangutang?

Bakit mahalaga ang 100% collection o zero PAR (portfolio at risk)? Sa pagbabayad ng nahiram na pera, sa KMBI man o kahit sa kapitbahay, ay napakahalaga para sa isang tao. Napakaraming aspeto ng ating buhay ang mababago o maaapektuhan kung tayo ay hindi marunong magbayad. Ano ba ang mangyayari kung ikaw ay laging on-time sa pagbabayad?

Maiiwasan ang pagkawala ng kredibilidad.

Kung dati ay napakadali sa’yong makahiram ng pera kahit kanino, kapag nalaman ng marami na hindi ka marunong magbayad ng pagkaka-utang ay mawawalan ka ng kredibilidad para sa kanila. Hindi na nila ipagkakatiwala sa iyo ang perang kanilang pinaghirapan dahil sa takot na ito ay hindi makabalik sa iyong hiniraman. Darating ang panahon wala na kahit isa ang magtitiwala sa iyo. Upang hindi ito mangyari ay dapat na palaging ibalik ang nahiram na pera.

Maiiwasan ang paglaki ng utang. Sa pagbabayad sa tamang oras ay maiiwasan mong lumaki ang iyong utang, ang ibang institution nga ay nagpapataw pa ng interes sa bawat pagpalya sa pagbabayad. Gayong wala namang interes, ay mas lalaki pa rin ang iyong babayaran sa susunod na takdang araw ng bayaran dahil kailangan mo ngayong

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doblehin ang iyong bayad upang mapunan ang isang linggo mong hindi pagbabayad.

Kung ang sampung piso ay mahirap bunuin, paano pa kaya kung dodoblehin pa natin ito.

Magkakaroon ng disiplina. Ito ang isang napakahalagang aral na gusto ng KMBI na ibahagi sa ating lahat – ang pagkakaroon ng disiplina. Hindi tayo tinuturuan ng KMBI na umasa sa utang, ang nais nito ay matuto tayong gamitin sa tamang paraan ang ating hiniram na pera. Nais nito na lumago ang ating kabuhayan. Paano ba nakikita na lumalago ang ating buhay? Syempre kung mayroon tayong kakayahang makabayad sa tamang oras at mayroon tayong kinikita.

Isang senyales ito ng pag-unlad.

Magkakaroon ng Peace of Mind. Mas madaling matulog kung wala kang iniisip na pagkaka-utang hindi ba? Malaya at taas noo kang makapaglalakad sa inyong lugar na walang iniisip na baka makasalubong mo ang sisingil sa iyo. Hindi mo kailangang magsara ng bahay at magkunyaring walang tao upang hindi ka masingil. Importante ang peace of mind para sa tao, bukod sa magiging malaya ka sa iyong mga kilos, mas makakapag-isip ka pa ng maayos para sa iyong negosyo o trabaho. Maiiwasan rin nito ang madalas na pag-init ng ulo.

Tips para maging Zero PAR ang iyong sentro: Magkaroon ng magandang pakikisama.

Mas madaling kausap ang mga taong alam mong nagkaka-intindihan kayo. Iba ang koneksyon lalo na kung kayo ay may pagkakaibigan, mas madali silang susunod sa iyo. Ang pakikisamang ito ay dapat na totoo sa iyong kalooban at hindi dahil sa trabaho lang dahil malalaman at mararamdaman ng kliyente kung ikaw ay hindi totoo sa iyong pakikisama.

Huwag kalimutan ang lingguhang Center Meeting. Ang kliyente ay tatamaring pumunta sa sentro kapag alam nilang wala naman silang gagawin doon. Kaya paghandaan ang bawat center meeting.

Maaari kang mag-research sa internet o mga magasin ng mga topic o gawain na sa tingin mo ay mae-enjoy ng iyong kliyente.

Ang center meeting ay hindi dapat araw ng singilan lang, dapat ito ay araw ng inyong

“Hindi tayo tinuturuan ng KMBI na umasa sa utang, ang nais nito ay matuto tayong gamitin sa tamang paraan ang ating hiniram na pera.” pagsasama-samang matuto at mag-enjoy.

Palaging ipaalala sa miyembro ang kahalagahan ng paggamit sa negosyo ng hiniram na pera. Ang perang pinahiram ay para sa pagnenegosyo, kaya dapat lang na doon ito mapunta at hindi sa iba pang bagay.

Maaaring alam na ito ng kliyente pero nakakalimutan o nahihikayat silang gamitin ito sa iba, kaya mas mainam na ikaw mismo ang magpapaalala kung para saan ang pera.

Maaari mo silang bisitahin at kamustahin ang kanilang negosyo.

Siguraduhing maliwanag ang policy ng KMBI sa iyong mga kliyente. ‘Wag na ‘wag kakalimutang ipaalam sa miyembro na mahalagang hindi sila pumalya sa pagbabayad dahil maaapektuhan ang kanilang records. Ang hindi pagbabayad sa tamang oras ay maaaring maging dahilan ng hindi pagtaas ng halagang maaari nilang mahiram Maaari mo ring ipaalala sa mga ito ang kahalagahan ng pagbabayad at ang tamang paggamit ng perang hiniram.

Sa pagkakaroon ng disiplina sa pagbabayad ay sisikapin nilang palaguin ang kanilang kabuhayan upang kumita at makapagbayad. Unti-unti ay makikita natin ang pagbabago na ninanais ng KMBI, uunlad ang kanilang buhay. Kapag maunlad ang kanilang pamumuhay, makakatulong na rin sila sa kanilang kapwa. Darating ang panahon na hindi na nila kailangang mangutang pa dahil tuloytuloy na ang tagumpay ng kanilang kabuhayan.

Natapos man ang ating obligasyong mapaunlad sila ay patuloy pa rin tayong tutulong sa ibang hindi pa natin naaabot, hanggang sa masabi natin sa Panginoon ang – Lord, mission accomplished!

Project Update

KMBI soon to pilot test IMEP

By Mishell M. Malabaguio

Davao Area Manager Hazel Laurente, Metro Davao 1 branch manager, Grace Asedillo, together with Mr. and Mrs. Letecia Tabotabo during the awarding of KMBI’s Individual Microenterprise Loan.

Clients Lydia Malot and LeteciaTabotabo of Metro Davao branches recently received the much awaited individual loan from KMBI. Each of them received Php150,000 loan in March 2011 as KMBI’s proactive response to their urgent needs. This individual loan is just a prelude of the actual program that will be dubbed as the Individual Microenterprise Program or IMEP. Prior to the intervention, Malot, a nata de coco contract grower, lacked capital and was at the mercy of a supplier-financier for raw materials. The demand for her product was increasing but due to the high interest rates she gets from her supplier-financier, who also controls the raw materials, Malot decided to ask KMBI for help. During this time, another client, Letecia Tabotabo, was also asking for a bigger loan amount from KMBI. Tabotabo runs a manpower agency wherein she needed additional revolving fund for the employees’ salaries and cash advances. These pushed KMBI to offer the initial features of IMEP. IMEP intervention helped Malot increased her production and get orders

from ProFoods Cebu and Del Monte.

Most importantly, it freed Malot from her previous supplier-financier. Tabotabo, on the other hand, has more funds to lend to her employees. She and her husband, Rogelio were also able to channel enough working capital to their supplementary businesses.

While the intervention is on-going, the actual IMEP is being developed to provide both financial and non-financial services.

The financial services will include loan packages, capital build-up, and life and nonlife microinsurance, while the non-financial services will include skills training, businessmatching and linkaging, values formation, and business coaching and mentoring.

IMEP zero in not only on loan packages but on the non-financial services that intends to provide growth development plan for both the business and the owner.

At present, the Product Development Team is preparing for the IMEP pilot testing in Davao City. The intervention given to the two clients created buzz among program members and branch staff. Thus , they started to inquire about the program and indeed very excited about KMBI’s Individual Microenterprise Program.

Hunting Your... From p.14 as a gift from the Holy Spirit. You can also study some books about spiritual gift to validate your gifts. You can also ask other people about your self observations and don’t forget to ask the Almighty God for confirmation of the gift.

Let Go of Fears - Having these spiritual gifts, especially the supernatural ones are really intimidating for some, but you have to let go of your fears and exercise your gift to serve and glorify the Lord. What’s really frightening for this is when people start to use their gift in the wrong way. Let go of your fears but do not let your gifts manipulate you.

Practice - Practice your gift(s) and get involved in ministry. By doing that, you will also discover your true passion. If you believe that your gift is “Helps,” then go and help people in your ministry, or work somewhere where your help is greatly needed. You would feel great fulfilment in doing so.

Discovering your spiritual gift is really important but it should not end by simply discovering it, you should practise it. There are people out there who are less of natural gift but they become better than those who are naturally gifted because they have determination. So, as determined Christians, we are encouraging you to explore your spiritual gifts, learn God’s Word, and practise.

References: http://www.enewhope.org/spiritualgifts/report. php http://www.spiritualawakeningprocess. com/2011/06/discovering-your-spiritual-gifts.html http://spiritualgifts.wordpress.com/2010/09/09/ searching-for-my-spiritual-gifts/ http://mintools.com/gifts.htm http://www.biblegateway.com/ passage/?search=1%20cor.%2012:4&version=NIV; NLT; NASB; http://ebcrochester.org/misc/php/ LifeWaySpiritualGiftsSurvey.php; Every Nation Leadership Institute; Lifeway Christian resources

“Level Up: Next Gen” (John 15:16)

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Organizational Performance

2nd Quarter 2011 Efficiency

Indicators Loan Activity

Cost per Unit of Money Lent*

Php 0.22

Client Outreach

260,155

Cost per Loan Made*

Php 1,337.25

Loan Portfolio

P662M

Financial Self-Sufficiency

92.22%

Value of Loans Made

P1.1B

Operational Self-Sufficiency

97.32%

Portfolio-at-Risk

11.78%

Ave. No. of Client per PA

259

MF Operations

1205

No. of Loans Made

183,985

Support Group

89

Number of Staff

*Peso-dollar conversion as of June 2011 & Change rate – Php 43.49

Project Update Energizing the Agricultural Sector of Koronadal, South Cotabato

Koronadal farmer partners threshing harvested rice crops.

The prototype test of KMBI’s Agricultural Microfinance Program benefited a total of 17 clients for the cropping period of November 2010 to March 2011. Communities reached are Barangays Carpenters Hill and Sarabia of Koronadal City, South Cotabato.

Farmer partners enjoyed the program package of financial and technical assistance intended to stimulate change in their way of life. Realizing that KMBI cannot do development work on its own, networks are built with the Koronadal City Agriculture Office and Philippine Crop Insurance Corporation (PCIC) Regional Office XI. Emelita Miguel, Eric Miguel and agricultural technicians of Koronadal contributed through trainings on organic agriculture and onsite technical assistance; while the PCIC team

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led by Bonifacio Pales provided information on benefits of crop insurance and conduct of damage assessment to affected farms.

Despite the challenge of pests and calamities, the program has a 100% repayment rate for the loans provided to the partners. 82% of farmers were benefited with claims for indemnity from PCIC because of the damages caused by rats and lodging. The amount awarded to each farmer is estimated at 17% of their production cost.

Through feedback, farmer partners disclosed that they are happy to have the access to alternative rice production financing with lower interest rates.

They all had the liberty to choose which trader to sell their produce. Comparing with market prices from the previous harvest, farmers’ sales showed a 10% increase on price per kilo.

Eighteen farmers continued with the AgriMF Program for the April cropping schedule; of whom four applied for expansion and was awarded with loan increases. During a consultation meeting, farmer partners were challenged to do more for their family, for their community, and for their sector.

Currently, they are undergoing a series of strategic planning workshops to rise up to that need.

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 by providing sustainable microfinance, training & demand driven non-financial services”

Core Values Respect Integrity Stewardship Commitment to the Poor Discipline Innovation Excellence

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 City Tel (02) 291.1484 to 86 l Fax (02) 292.2441 http://www.kmbi.org.ph