Communi-K Vol. 13 No. 2

Kabalikat para sa Maunlad na Buhay Inc.

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INSIDE VOL. 14 NO. 1

Organizational News PG. 4 KMBI Key Officers Gathered for Annual Assembly, BOM Training PG. 4 New Transformation Tool Launched PG. 5 New Corporate Members Introduced at AGM PG. 5 LSO Staff Passed 2016 Bar Exams PG. 6 2017 Sports Fest for Staff Opened PG. 6 BMCI Honored Two KMBI Staff PG. 7 KMBI Participated in Financial Inclusion Summit in Vietnam PG. 7 52 BMs Assembled for 4th National Conference PG. 8 Serve and Lead, KMBI’s Retreat Theme Emphasized PG. 8 KMBI Joined 26th APPEND Summer Camp in Bacolod PG. 9 Expanded ManCom Revisited H1 2017 Plans PG. 9 450 MF Practitioners Assembled at Annual MCPI Conference PG. 10 3,469 Center Leaders Empowered by CLC PG. 10 Davao Area Oriented Leaders with 21st Century Leadership Styles PG. 11 KDFI Inked Partnership with AHF to Launch Livelihood Program PG. 11 379 Participants Trained in OKP & ICM PG. 12 KMBI’s Wellness Program Revitalized 459 Clients PG. 12 MI Policy Enhanced; New Product Added PG. 13 First KMBI Regional Office Inaugurated in Davao PG. 13 Branch and Satellite Unit Inaugurations

LEADERS’ EDGE

PG. 14 Millennials at Work PG. 18 Passing the Baton PG. 19 Practical Tips of KMBI Employees on Saving the Environment PG. 23 Bata, Bata Mag-Ipon nang Tama!

Masaya Dito sa KMBI

PG. 16 Groufie Corner

TIPS PG. 20 Email and Memo Writing 101 PG. 22 Ice Breaker Tips

Feature Story

PG. 24 Passion + Fun = Success!

Cover Story

PG. 26 Leader in the Making

MF INDEX PG. 28 PO - Client Relationship PG. 30 Itanong Mo Kay Atty: Filing Small Claims 2

Communi-K vol. 13 no. 2

THE PRESIDENT’S NOTE You’ve probably heard from me a lot of times that KMBI is eager to allocate resources to develop homegrown leaders emerging from its pool of talents. We believe that leadership and succession planning are important in ensuring the continued success of the organization.

If we look at the story of David, we can see where he fell short despite being the man whose heart is patterned after God. During his prime, David failed to appoint a successor.

When he became bedridden, his oldest living son, Adonijah, incited rebellion to assume kingship without his knowing. His last wife, Bathsheba, then urged David to publicly state his promise to appoint King Solomon as his successor.

So what does this story tell us? Does this have any significance in the context of KMBI? The answer is yes. We could learn from David’s inability to take action despite knowing what was coming. This tells us the essence of succession planning—it is bracing the future of our organization by determining and raising a new breed of leaders to continue what we have started.

Now this brings us the question of while we have proven to be good at raising leaders, are we equally good at raising successors? Take a look at how we manage our people. Do we have a subordinate who we know can outperform us? If this is the case, we should not feel threatened. Instead, we should feel grateful and proud because we can be assured that there is already someone in line who can continue the work that we do.

Having mentioned that, succession planning should be our priority. We have to find and develop somebody else who can replace us. If we don’t plan our successors now, all of our hard work from the beginning will be wiped out, and future generations will suffer.

I urge everyone to start succession planning for our organization. If we are passionate about the KMBI vision and mission, then let’s do our best in developing new leaders, until it is brought into fruition.

As leaders, we are responsible for raising another one. We are not here forever, that’s why we need to share as much skills as we have, so that future leaders may follow our footsteps and make KMBI an even better ministry for our staff and Program Members.

I have said it before, and I’ll never get tired of saying this again: KMBI invests to empower its staff, because we wish to see the rise of next-generation leaders who can continue the good work the Lord has called us – integrally transforming the lives of our Program Members.

Lastly, we need to plan and let God do the rest. The best is yet to come with Christ!

EDUARDO C. JIMENEZ

President and Vice Chairman, KMBI

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KMBI Key Officers Gathered for Annual Assembly, BOM Training

Left: Mr. Eduardo C. Jimenez, President, gives his opening remarks at the command meeting.

Right: Ms. Sheila Dianne P. Ostrea, Negros Area Manager, raises questions during the open forum.

All KMBI Branch Managers, Area Managers, Program Unit Heads, Branch Accountants, and Head Office Officers and Management convened for the 2017 General Assembly (GA) side by side with the orientation and training on the revised Branch Operations Manual (BOM) at Sequoia Hotel, Quezon City from January 23-26, 2017.

The GA is a half-day gathering of officers

intended to officially cascade down to the branch level all the operational plans deliberated by the Management Team last November 2016. The assembly also sought to inform all KMBI staff with branch expansions, new policies and programs, and major activities for 2017 as the organization intensifies its operations in the years ahead.

Next in line was the series of BOM orientations that stretched to three full days of extensive discussion.

Participants of the GA were divided into three clusters The BOM is a guidebook with operational policies and processes geared towards enhancing the sustainability of the organization to achieve its objectives stated in “Paghandom sa Damlag: Vision 2020”, the organization’s five-year business plan.

New Transformation Tool Launched Pasok na sa Kaharian (PNSK) is a new installment of the APPEND Life Series Book which will succeed Gawaing Bahay from last year.

discussion material during weekly center meetings for Program Members and Accountability Groups (AGs) for Branch and Head Office staff.

Officially slated for launch beginning June 2017, PNSK will be used as the regular

The latest tool seeks to reinforce center meetings and AGs to

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better complement KMBI’s mission of delivering integral transformation.

This underscores the organization’s commitment to strengthen its nonfinancial services to its clients.

New Corporate Members Introduced at AGM ORGANIZATIONAL NEWS From left: Atty. Romel R. Bagares, Corporate Secretary; Dr. Rodolfo P. Estigoy, newest Trustee; Mr. Lemuel David Salmo, new Trustee; Ms. Mila M. Bunker, Trustee; Dr. Virginia P. Juan, Trustee; Mr. Eduardo C. Jimenez, President & Vice-Chairman; Mr. David D. Gutierrez, Chairman & Vice-President; Mr. Edgardo F. Garcia, Corporate Treasurer; and Mr. Sergio G. Edeza, Trustee.

KMBI has elected the members of the 2017 Board of Trustees during the Annual General Membership (AGM) Meeting held on February 25, 2017 at the Head Office in Karuhatan, Valenzuela City.

Mr. David D. Gutierrez remained the Chairman of the Board, and Mr. Eduardo C. Jimenez stayed as the President.

Among the notable Board Members elected during

the congregation were Corporate Secretary, Atty. Romel R. Bagares; Corporate Treasurer, Mr. Edgardo F. Garcia; and Trustees Mr. Sergio Edeza, Ms. Mila M. Bunker, Dr. Virginia P. Juan, Mr. Lemuel David A. Salmo, and Dr. Rodolfo P. Estigoy.

Dr. Estigoy, a new addition to the Board, is an expert in agricultural innovation and rural development.

He acquired his PhD from the Central Luzon State University.

LSO Staff Passed 2016 Bar Exams KMBI is delighted to welcome a new lawyer in its manpower pool. Atty.

Hendrick Carlo Garcia has recently passed the 2016 Bar Exams, results of which were released last May 3, 2017. Atty. Garcia has been serving the organization for two (2) years as a Legal Services Supervisor under the Legal Services Office.

New corporate members joined the organization as well. These include Mr. Sebastian Quiniones Jr., former Filipino Asset Manager and Managing Director for Shell Philippines Exploration BV (SPEX); Mr. Caleb Kak Sin Koo, General Manager of Venus Commercial Co., Inc. and President of Colorscape Inc.; and Ms. Lydia Malot, KMBI Program Member and National Citi Microentrepreneurship Awardee last 2015 and KMBI Pearl Awardee last ME Summit in 2016.

Atty. Hendrick Carlo C. Garcia (third from left) is among the list of passers of the 2016 Bar Exams.

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2017 Sports Fest for Staff Opened

Left: HO players warm up for their table tennis match during the opening of KMBI Sports Fest 2017.

Right: Mr. Robert Carlo Samortin Jr., IT Officer, carries the Philippine flag before leading the players in reciting the oath of sportsmanship.

All KMBI Head Office staff flaunted their team color as they marched towards the Panay Office during the opening of KMBI Sports Fest 2017.

With the theme, “A balanced work-life is a happy KMBI life�, the ceremony took place last Friday, June 9, 2017.

All KMBI staff have the option to join basketball, volleyball, badminton,

swimming, table tennis, chess, or dart. The competition for the area level will begin from June to July, while the group level will span from August to September.

The championship is set to take place during the Leadership Enhancement and Development (LEaD) Camp in 2018, in which four major groups will compete.

KMBI Sports Fest is part of the K-FIT Program of the Human Capital Department intended to promote and implement a healthy physical, social, mental, and spiritual condition among its employees through program-based activities directed towards wellness. The activity also aims to deepen camaraderie among staff whilst maintaining worklife balance.

BMCI Honored Two KMBI Staff The Bicol Microfinance Council, Inc. (BMCI) recognized Mr. Victor Palce, KMBI Goa Branch Manager and Mr. Jeric Encinas, KMBI Daet Program Officer for their exemplary work during its 8th Annual Microfinance Summit Awarding Ceremonies held at the CRH Development Building in Camalig, Albay.

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During the awarding ceremonies held last April 21, 2017, Mr. Palce won the first runner up for the Outstanding Branch Manager category while Mr. Encinas bagged the top prize for the Outstanding Account Officer category.

Both awardees received plaques and cash prizes.

BMCI is a network of rural banks, cooperatives

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and non-government organizations in the Bicol region engaged in microfinance of which KMBI is a member. Since its inception in 2005, it has broadened its mission anchored on building the capacities of members to develop small enterprises and promote local economic development.

KMBI Participated in Financial Inclusion Summit in Vietnam

The two-day event, held at the JW Marriot Hotel in Hanoi, Vietnam, was organized by Citi

Foundation, the foundation for Development Cooperation in partnership with Banking with the poor (BWTP) Network, the Economist Group, and hosted by Vietnam Association of Small and Medium Enterprises (VINASME).

The Summit aims to help participants explore the

various opportunities and challenges of financial services providers to tackle financial inclusion in underserved communities.

It also aims to participate interactions with policymakers to discuss the latest national and regional initiatives to improve outreach.

52 BMs Assembled for 4th National Conference

Area and Branch Managers pose with KMBI Board and Management during the 4th BM Conference.

Fifty-two Branch Managers from all over the country assembled last July 1214, 2017 for their fourth Branch Managers’ (BM) Conference to revisit the branches’ operational performance for the first half of 2017.

Held at Sequoia Hotel, Mother Ignacia St., Quezon City, the threeday convention sought to identify strengths and issues of the credit operations and formulate workarounds for more efficient delivery of

financial and non-financial services.

A new addition to the Microinsurance program of KMBI was also introduced during the second day – the Personal Accident Insurance, which aims to cover Program Members and their families in case of accidents.

Former Deputy Executive Director for Credit Operations Group and incoming Surallah Branch Manager, Mr. Rhany P. Barrera, concluded the

three-day conference with his acquired perspective on leadership from the book, “The Way of the Shepherd”. He relayed how managers can apply the book in modern day leadership to guide their subordinates toward motivation.

Since 2014, the BM Conference is being held annually to discuss issues within the operations and hone the leadership & technical skills of KMBI’s Branch Managers.

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ORGANIZATIONAL NEWS

Seven of KMBI’s Board mixed with key officers assembled alongside 300 senior leaders for the region’s premier event, the Asia-Pacific Financial Inclusion Summit last March 21-22, 2017.

Serve and Lead, KMBI’s Retreat Theme Emphasized

Left: Luzon staff give thanks to the Lord through praise and worship at Facundo Farm Resort, Magalang, Pampanga Right: Mindanao staff dance to the latest sensational song “Baby Shark” at Eden Nature Park and Resort, Davao.

All KMBI staff took time out of their daily office routine to focus on reuniting themselves as one family under God. With the theme, “Me & My Family: Serving Joyfully, Leading Faithfully”, this year’s retreat delved into familial unity as expressed in the verse of Joshua 24:15, “…But as for me and my house, we will serve the LORD.” The Head Office Staff Retreat was held at Klir

Waterpark Resort in Guiguinto, Bulacan last August 11-12, 2017. Ms. Gloria Jimenez, spouse of KMBI President and ViceChairman, Mr. Eduardo C. Jimenez, filled the day with an inspirational message about raising God-fearing family and developing successors.

Mindanao staff held their retreat and sports fest at Eden Nature Park & Resort, Davao City last Sept 30-Oct 1, 2017, also graced by the Jimenez couple.

On the other hand, Pastor Emiliano David concluded the Regional Retreat and Sports Fest for Luzon staff last October 14-15, 2017 at Facundo Farm Resort, Pampanga.

KMBI Staff Retreat aims to reflect on the biblical foundation and purpose of a Christian family in our society and take time to bond with colleagues and relax from the usual dayto-day activities, among others.

KMBI Joined 26th APPEND Summer Camp in Bacolod A total of 120 delegates attended the annual gathering of members of the APPEND Network hosted this year by KRCI.

APPEND gives honor to KRCI for successfully hosting the 2017 Summer Camp.

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The KMBI delegation is composed of members of the Board of Trustees, Management, selected Head Office Staff & Officers and selected Branch Officers.

Expanded ManCom Revisited H1 2017 Plans ORGANIZATIONAL NEWS Left: The Expanded Management Committee converges at the Sequoia Hotel for the presentation of 2nd quarter plans.

Right: Ms. Hazel Christine Bayaca, TDTG Deputy Executive Director, delivers the morning devotion to the committee.

The Expanded Management Committee, composed of Deputy Executive Directors, Department Directors and Managers, OfficersIn-Charge, and Area Managers, convened on the first two quarters of the year to revisit the 2017 operational plans.

The first quarter meeting was held last April 10-12

at the Panay Conference Hall in Quezon City. This was followed by SMART Writing Workshop and orientation to the Gideon Program, KMBI’s five-day value-matching exposure program for aspiring applicants.

A follow-up meeting for the second quarter was held last July 10-11 at Sequoia Hotel, Quezon

City, this time witnessed by four selected Branch Managers.

The quarterly meeting fulfills KMBI’s affirmation of transparency as an important component of the organization to remain connected, unified, and true to its mission. The meeting aims to further improve KMBI’s services to both staff and clients.

450 MF Practitioners Assembled at Annual MCPI Conference This year’s annual conference of the Microfinance Council of the Philippines, Inc. (MCPI) held a massive record of attendees, bringing together 450 microfinance practitioners on July 27-28, 2017 at the Century Park Hotel, Manila.

More than 20 delegates from KMBI attended the convention. The organization’s dance group, K-Force, led the invocation.

Program Members from Tandang Sora Branch also performed for the intermission number.

The conference discussed the implementation of the Microfinance NGOs Act or RA 10693, which seeks to establish a regulatory body that governs all Microfinance NGOs. The Microfinance NGO (MF NGO) Regulatory Council

aims to institute and operationalize a system of accreditation for MF NGOs which shall include governance, financial performance and social performance standards. It is envisioned that all MF NGOs will be compliant with the standards set by the regulatory council in the next three years.

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3,469 Center Leaders Empowered by CLC

From left, clockwise: 60 center leaders from Bicol attend KMBI’s leadership empowerment program; attendees collaborate to create a drawstring bag; a group of Program Members posed with their newly crafted bag.

From March 23 to August 23, the annual Center Leaders Conference (CLC) empowered a total of 3,469 women leaders. The convention is a flagship non-financial program spearheaded by the Spiritual Development Division (SDD) under the Transformational Development and Training Group (TDTG).

This empowerment activity was also made possible by the Credit Operations Group and KMBI Development Foundation, Inc. (KDFI).

The CLC is an activity intended to boost the people management skills of center officers and equip them with the ability

to become influential change-makers within their community.

This year’s leadership conference was dubbed with the theme: “Empowering Women, Transforming Communities” with reference from Proverbs 31:29-30.

Davao Area Oriented Leaders with 21st Century Leadership Styles mounted a re-echo training on “New Leadership Style for the 21st Century” last March 10, 2017.

Twenty-two staff from Davao Area boarded on a leadership enhancenent activity as the area 10

Held at Eagles’ Ridge, Upper Ulas, Catalunan Pequeno, Davao City, the activity was joined by 10 Program Unit Heads and 12 promotable Program Officers. Regional Director for VisMin Operations, Ms. Amelita T. Andilab, graced the event.

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The re-echo training aimed to deepen the participant’s appreciation for selfmastery. This is perceived as the foundation for better leadership and nurturing of emotional intelligence. Through these critical skills, participants are expected to adopt and develop an appropriate leadership style that fits 21st century employees.

KDFI Inked Partnership with AHF to Launch Livelihood Program ORGANIZATIONAL NEWS Left: A client trainee gives haircut to a grade school student in a cosmetology seminar.

Right: Ms. Aui Hornedo, AHFI Program Manager, signs a Memorandum of Agreement with Ms. Hazel Christine R. Bayaca, KDFI President, for a joint initiative to provide livelihood training to KMBI clients.

The Ang-Hortaleza Foundation Inc. (AHFI) and KMBI Development Foundation Inc. (KDFI) signed a Memorandum of Agreement (MOA) last August 3, 2017.

The partnership aims to provide additional livelihood skills to KMBI program members.

To kick off the activity, KDFI through the facilitation of the Ang-Hortaleza Foundation, mounted a basic cosmetology seminar entitled, “Ganda Mo - Hanapbuhay Ko” at the St. Matthew’s Square Subdivision, Malanday, San Mateo, Rizal. Interested KMBI clients from the

379 Participants Trained in OKP & ICM

areas were taught basic hair cutting (male and female), hair coloring, hot oil treatment, foot spa, facial, manicure and pedicure. The four-day course that ran from August 22-25, 2017 would enable program graduates to home service clients or get local employment from parlors in their communities.

Left: New graduates of ONE KMBI Program from Head Office and nearby branches.

Right: ICM participants from Head Office line up in a group activity.

The ONE KMBI Program (OKP) has trained a total of 253 new hires since January 2017. Over the same period, a total of

126 supervisory staff from Head Office and Branches have undergone the Introductory Course to Management (ICM).

This staff empowerment is courtesy of the Training and Advanced Education Department (TAD).

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KMBI’s Wellness Program Revitalized 459 Clients

From top-left clock-wise: Wellness Caravan in Goa Branch; Program Members listen to talks on wellness and proper sanitation; attendees groove at the zumba dance session; clients sign up for the book-giving activity.

This year’s Wellness Caravan has been conducted in Cauayan and Goa, helping a total of 459 clients imbibe practical insights on securing one’s health and wellbeing.

The program is part of KMBI’s advocacy of health and wellness to teach the Program Members various tips that will help improve their social, physical and spiritual aspects.

This endeavor is mounted annually by the Social Protection Division under the Transformational Development and Training Group (TDTG). The program is slated to be mounted in Bacolod this December 2017.

MI Policy Enhanced; New Product Added Effective since July 2017, KMBI’s Microinsurance (MI) provider is implementing a new policy on its MI Program, including a 10% increase in premiums rate and a revised life insurance benefit payout for old and new members.

Clients who are on the 2nd loan cycle and below will be referred to as “new members”. New members 12

will receive half of the benefit payout until they reach their 3rd cycle.

extends coverage to the principal member’s dependents.

Once a member steps on his or her 3rd loan cycle and up, he or she will be considered an “old member” and will enjoy the full benefit of the MI Program.

With the new insurance program, the principal member will receive PhP 50,000 in cases of accident resulting to death or permanent disability.

Other types of insurance coverage range from PhP 2,500 to PhP 30,000, depending on the nature of accident.

A new addition to KMBI’s MI Program is the Personal Accident Insurance which

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First KMBI Regional Office Inaugurated in Davao

KMBI inaugurated its very first Regional Office in Davao last October 9, 2017. The Regional Office is housed at the 2/F Bernardo Building,

Bonifacio St., Davao City.

Coordinators and staff from various support groups will hold office at the Regional Office together with the Regional

Director for the Credit Operations Group. The office aims to improve the support services in the region as the organization continues to expand.

Branch and Satellite Unit Inaugurations Branch San Pablo San Mateo Talisay Calamba Surallah

Area CALABARZON Rizal Cebu CALABARZON SOCCSKSARGEN

Malaybalay Valencia Cagayan De Oro 1 Cagayan De Oro 2 Satellite Units Kiamba (GenSan 2) Kabacan (Kidapawan) Malita (Digos) Bayugan (San Francisco) Carcar (Cebu North) Danao (Mandaue) Cadiz (Victorias) Ligao (Iriga) Malibay (Manila) Binangonan (Angono) Samal (Metro Davao 2)

Northern Mindanao (New area) Northern Mindanao (New area) Northern Mindanao (New area) Northern Mindanao (New area)

Date established March 6 March 7 June 27 July 20 Feb 7 (Satellite) August 14 (Branch) August 15 August 15 August 16 August 16

SOCCSKSARGEN Davao Davao Caraga Cebu Cebu Negros Bicol NCR Rizal Davao

February 6 February 8 February 9 February 10 February 13 June 28 June 29 July 4 August 4 August 9 October 9

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ORGANIZATIONAL NEWS

Left: KMBI Chairman and Vice-President, Mr. David D. Gutierrez (left) and President and ViceChairman, Mr. Eduardo C. Jimenez (right) lead the ribbon-cutting ceremony.

Right: Mindanao AMs pose with VisMin Regional Director, Ms. Amelita T. Andilab (fourth from left) and Officer-in-Charge for the Credit Operations Group, Ms. Rachelle M. Basiya (third from left).

References: https://manilarecruitment.com/manila-recruitment-articles-advice/ filipino-millennials-changing-workplace/ https://psa.gov.ph/content/employment-situation-october-2015-final-results

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illennials are often branded as the “young ones” born between the early 1980s to mid-1990s to mid2000s, usually characterized by their strong attachment to the internet, particularly social media.

Today, they’re ready to take over the workplace. In fact, according to the Philippine Statistics Authority (PSA)’s study in 2015, millennials already make up half of the country’s workforce. At KMBI, the average manpower age is 29 years old, which makes us a millennial oganization.

Because millennials were born in a time of rapid technological advancement, they have been said to be tech savvy, impatient and entitled.

For millennials, passion is more about happiness than success.

While a sense of job security and financial stability are important to older generations, constant pursuit for happiness and worklife balance is what makes millennials feel 14

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misunderstood. They are often perceived as staunchly committed to pursue their passion. Truth is, they want to be flexible in their work, so that they can devote the rest of their time doing whatever makes them happy, like finding an outlet for their creative juices and polishing their skills on something that’s not their line of career.

Millennials also understand that jobs build careers, but happiness adds meaning.

Work yields output, but passion leaves lasting impact. Once millennials find the profession that aligns with their personal goals and ideals, they get a sense of fulfilment and are more likely to stick around, especially if they know that their work is meaningful and appreciated.

On the other hand, there are millenieals who show inexhaustible persistence.They get too worked up about their dreams and are not afraid to get out of their way in pursuit of them. This causes old managers to generalize millennials as too stubborn

LEADERS’ EDGE

By Kenneth S. David and very idealistic, trading everything in search for self-serving interests. This is not always true. Managers should constructively deal with millennials as much as they can, because words can either make or break their ambition, and their purpose.

What now?

The global transition to millennial manpower is underway. Older generations need to adjust to meet the millennials eye to eye, especially now that the skills in demand are changing gradually to fit the standards set by the newer generation.

Millennials like to explore easier ways of doing things.

Though it may seem unconventional and lazy in the eyes of older generations, millennials make use of technology to find the fastest way of getting their job done.

It’s not that they’re trying to get around heavy labor; they would just rather spend the rest of the hour doing other tasks.

Being more seasoned and knowledgeable, older generations need to greet these workforce “infants” with warm welcome.

Millennials must be trained properly and not be shunned just because their aspirations are different. When the forerunners eventually retire, a new cohort is bound to pick up the legacy they are about to leave.

Millennials try out different kinds of things, because they want to find out what works best and use it to their advantage in the workplace. They are not satisfied with just sticking to the same repetitive course; they seek fulfilment in taking risks and new challenges and realizing in the end that it’s all worth it.

The turn of the millennium heralds succession. Our predecessors have done their part exceptionally; it is then up to the millennials to continue the work they have started and open new grounds for future generations to create monumental breakthroughs.

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Nawala ang lamig sa Baguio with these fiery VisMin Angel...este Area Managers!

Ito na ang mga artistahin!

‘Di ba part naman ng inauguration program ang groufie taking?

Ayaw namin ng BOLAhan!

#Kotonkendi para sa mga sweet nating Branch Managers from Davao!

Mas masarap ang durian pag libre ni sir Ed!

Aliw na aliw ang mga taga Baliwag!

Communi-K vol. 13 no. 2

Rare photo of two gwapang Mindanaoans

EDITORIAL BOARD Princes O. Dacca Editor-In-Chief Margaret Rose N. Rodriguez Managing Editor Kenneth S. David Associate Editor

Pampanga’s best in sports attire

Blesilda H. Visaya Freddie P. Reyes Atty. Hendrick Carlo C. Garcia Jenny Lalaine A. De Jesus Nikki John C. Nabat Contributors John David I. Ulangca Art Director For editorial contributions, suggestions, and inquiries, please contact:

Ang sigaw ng bayan... Bonus! Bonus! Bonus!

Sumakay. Nag-groufie. Pinababa.

Send your Masaya dito sa KMBI groufies to jiulangca@kmbi.org.ph for a chance to be featured in the next publication!

Corporate Affairs Office Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco Street., Karuhatan, Valenzuela City webmaster@kmbi.org.ph

IBAHAGI ANG INYONG MASAYA DITO SA KMBI EXPERIENCE! Hinihikayat din namin ang lahat ng empleyado, anuman ang posisyon... Na magsumite ng kanilang kwento ayon sa kanilang karanasan sa KMBI na may kalakip na picture at ipadala sa email: jiulangca@kmbi.org.ph Kabalikat para sa Maunlad na Buhay Inc. 17

LEADERS’ EDGE

A

s leaders, we always find ways to realize how to meet our objectives, goals and vision for the future whether it is for our work, family or communities.

During the start-up years, we struggle, we learn, and we start becoming better.

Midway, we soon realize that we’re good at leading! This gives us a heightened sense of empowerment & confidence. Until we get to the point someday – where we realize through sickness, personal tragedies or change of priorities that circumstances can reset the direction of our path. Who then takes up the responsibilities to continue our ministry?

Succession planning is part and parcel of good governance whether we are growing a business or planting a church.

As leaders, we need to understand that life is a constant change. People transition through various stages in life. We need to plan for our eventual retirement. And as we plan to retire, we need to groom future leaders who can take over in order to move forward the ministry that we have begun.

It can start with giving time for fellowship amongst subordinates. It can also be gently mentoring our team into the nuances of our work and insights.

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As the frontrunner of the business or church, we also need to protect the passion to keep the company or congregation growing. Sometimes, as we grow in a company or environment, we get too familiar. We struggle to maintain the energy and zest we once had. Finding new blood that mirrors the same fire as we once had rejuvenates our energy and the team. We need to protect this passion since this is the momentum that will fuel the organization forward.

Lastly, as elders, we need to learn to let go.

While we have done marvellous feats and rib our contemporaries on the triumphs, laughter and tears we have shared together…. We eventually need to pass the baton on to the new generation to create new narratives. And it’s okay to let go. We can be confident on the epistles written by Paul and Timothy for the Philippians that promise: “…… that he who began good work in you will carry it on to completion until the day of Christ Jesus.”

-Philippians 1:6 NIV

Ang basura ko, binubulsa ko muna, para maitapon sa tamang lagayan.

Nakakatulong ito para maging malinis ang aking kapaligiran.

Sergio Francisco, Program Officer II, Unit A, Valenzuela Branch Importante ang pagpapa-schedule ng maintenance ng sasakyan para maganda ang kondisyon ng makina. ‘Pag maganda ang makina, makakaiwas tayo sa smoke belching at malilimitahan natin ang carbon monoxide emissions ng sasakyan.

Nathaniel Mallari, Driver/Messenger General Services Department Bawasan ang pagkain ng karne. Maraming resources ang kailangang gamitin para makabuo ng isang kilong karne kaysa isang kilong gulay.

Marami ring kailangang ipatag na gubat para maging pastulan ng mga baka, kambing at kabayo. Nakakadagdag sa din sa global warming ang dumi ng mga alagang hayop tulad ng baboy at baka na nagtataglay ng methane gas. Kaya mag gulay na tayo!

Margaret Rodriguez, Communications Officer, Corporate Affairs Office Magtanin ng puno. Mas marami, mas mainam.

Lanie Cardeno-Montano, Area Manager, Caraga Area Alam ba ninyo na may 2,700 litrong tubig na kailangan para makapagpatubo ng cotton at makagawa ng isang t-shirt? Sapat na tubig ito para mabuhay ang isang tao sa loob ng 900 na araw! Marami pang pinagdadaanan ang prosesong ito na dumaragdag sa pagkasira at pagkaubos ng yaman ng ating kalikasan.

Kaya gamitin pa natin ang ating lumang t-shirt at damit sa ibang kaparaanan (gawing basahan, i-reuse at gawing bag, i-donate sa mga nasalanta ng bagyo, at iba pa.)

Tandaan! Ang maliliit nating hakbang para matulungan ang kalikasan ay may katuturan!

Blesilda Visaya, AVP Specialist, Corporate Affairs Office

Kabalikat para sa Maunlad na Buhay Inc.

19

TIPS

E

very employee needs to write at some point. But what holds us back is the lack of confidence in writing due to mistakes. Don’t worry about committing errors; it’s a natural part of the process of learning how to write. Listed below are tips to help you write with more clarity.

1. Avoid long-winded paragraphs.

Blocks of paragraphs can be daunting to read all the way through. It also means you’re having a hard time condensing your message.

On the other hand, shorter means easier to read. People are drawn to shorter sentences, because they get the sense that reading them is less time-consuming.

Work is fast-paced, that’s why you need to be understood in the quickest time possible.

It is easier to read this:

20

Communi-K vol. 13 no. 2

Than this:

2. Use bullets for emphasis.

Bullets are friends. If you cannot put all of your ideas into one short sentence, then a bullet or two may come in handy. Bullets will help you • organize your thoughts; • highlight your ideas; • make your e-mail easier and faster to read; • remind your readers of important points; • give your e-mail a break in text, which is more eye-friendly.

Now, imagine those bullets converted into one straight sentence.

Remember: While using bullets can be convenient, be cautious not to overuse them. Otherwise, you’ll end up tossing in unnecessary ideas.

3. I would like to…? / May I…? / Could you please…?

It is always more polite to express your objective by saying “I would like to…”

There is a clear difference in tone between a subordinate who wrote: “I just want to ask if the papers are ready” (sounds demanding) and another subordinate who said: “I would like to ask if the papers are ready.”

Of course, you can explore various ways of communicating the same message. You could also say, “I was just wondering if all the papers are ready?” or “Would you please let me know when I can get the papers?”

4. When writing a memo, tell a story.

In a way, memo writing is similar to storytelling. It is ideal to tell the recipient how you came up with the memo in the first place.

For example, you just got transferred to another branch and your family needs your hands-on support at the same time.

You need to write a memo stating why you need to be moved back to your old branch.

You can start the letter with: “I am writing this letter to communicate my request to be transferred back to my old branch for the time being.”

Then you begin explaining the background story. You may also use the sample guide in writing the body of your letter: a. The date of transfer (background) b. Why your family needs you (urgency) c. How granting your petition will benefit you and your family’s welfare (outcome) However, never forget to express your openness to be transferred again as soon as you have your family matters settled, if you want to increase your chances of being heard.

Be it in the operations or head office, we all need to write at some degree. You don’t have to have flawless grammar to be understood. As the saying goes, “write to express, not to impress.”

Reference: https://mediascopeinc.wordpress.com/2011/04/29/4-tips-for-writing-a-proper-email/ Kabalikat para sa Maunlad na Buhay Inc.

21

TIPS

S

tressed ka na ba? Bored ka na ba? Hindi mo na ba alam ang gagawin mo para maging masigla at kaaya-aya ang pagdalo ng Program Members sa iyong sentro? Pwes, ito ang para sa’yo. Hindi kailangan mabagot sa pagpunta sa sentro, ang kailangan mo lang ay ilang mga tips kung paano mo sisimulan ang iyong center meeting. Una, simulan mo ito na may ngiti sa iyong labi. Pangalawa, mag-isip ng ilang mga activity o laro na makakapagbigay sigla sa bawat isa. Narito ang ilan sa mga laro na pwede mong gamiting pampasigla ng iyong umaga kasama ang bawat isa sa oras ng meeting.

Mga kailangan: Ilang pirasong barya Paano: 1. Bigyan ng barya ang bawat isang miyembro ng iyong sentro. Siguraduhin na ang bawat barya ay may iba’t ibang taon at ang bawat miyembro ay naipanganak na noong panahon na iyon.

2.

Hayaan ang bawat miyembro na magbahagi ng kanilang karanasan o ginawa sa taon na nakasulat sa barya. Tiyakin na ang bawat isa ay makilahok at makinig sa bawat kwento ng kanilang buhay.

Mga kailangan: Maging seryoso anuman ang mangyari

Ha!

Paano: 1. Paupuin nang nakabilog ang lahat at sabihin sa bawat isa na maging seryoso at tahimik sa paglalaro.

2.

Mamili kung sino ang mauuna sa pagsabi ng “Ha”. Ang unang tao ay magsasabi ng isang “Ha”, ang pangalawa naman ay magsasabi ng “Ha Ha” at ang sumunod naman ay magsasabi ng “Ha Ha Ha”. Ang sinumang mag-ingay o tumawa ay matatanggal at ang laro ay magsisimula ulit. Kung sinuman ang matira ay siyang tatanghaling panalo.

Ha!

Ha!

O ayan, mga simpleng tips at activities na pwede ninyong gamitin sa loob ng center meeting. Subukan niyo at tiyak na wala ng malulungkot o mababagot sa pagdalo sa inyong sentro. Enjoy!

References: https://icebreakerideas.com/best-icebreaker-games-adults/ https://www.govloop.com/community/blog/9-easy-engaging-icebreakers-meetings/

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Communi-K vol. 13 no. 2

LEADERS’ EDGE

Bata, Bata,

Mag-Ipon

nang Tama!

Ni Nikki John C. Nabat

“Mama! Mama! Mama! Bili mo ko nito, Bili mo ko niyan!” ang palagiang sambit ng ating mga anak sa tuwing sila ay dinadala natin sa mall o isinasama nating mamili ng grocery. Dahil mahal natin sila, hindi natin sila matiis; binibigay natin ang anomang naisin nilang ituro’t ipabili. Sa ganitong pagsasanay ay hindi natin namamalayan na lumalaki silang hindi kuntento sa mga bagay na mayroon sila. Kahit hindi nila kailangan, pakiramdam nilang kapag hindi nila nakuha ang mga bagay na gusto nila ay maaari nila itong ikamatay. Bilang magulang ay alam dapat natin ang mga bagay na kanilang kailangan (needs) at kanilang gusto (wants) lamang.

Ang pangangailangan ay ang mga bagay na hindi pwedeng wala ang ating mga anak katulad ng pagkain, bahay at tubig. Ang gusto naman ay ang mga bagay na maaring mabuhay ang ating mga anak kahit wala sila nito, kagaya ng maganda at branded na cellphone, laptop at mga bagong laruan.

Kapag ang ating mga anak ay nagturo ng bagong laruan habang tayo ay naglalakad sa mall, magandang paminsan-minsan ay nagsasabi tayo ng “hindi“ sa kanila at dugtungan ng maayos na dahilan. Maaaring mayroon pa silang mga laruan sa bahay na hindi naman nila masyadong nalalaro.

Ang pagtuturo sa ating mga anak ng pagiging kuntento ay isang malaking bagay.

Masasanay at matututo silang pahalagahan ang mga bagay na kasalukuyang mayroon sila.

Pagdating naman sa pag-iipon, mahalagang maaga natin itong maituro sa kanila. Natural sa isang bata na palaging may gustong bilhin, sa bawat bagong laruan na mayroon ang kanilang kalaro, gusto nila na mayroon din sila nito. Dito natin sila puwedeng turuang mag-umpisa ng pag-iipon. Kapag may mga gusto silang bagay na bilhin dapat nila itong pag-ipunan upang kanila itong mabili. Ituro sa kanila ang paggamit ng Alkansya at sabihin ang one golden rule nito, huwag itong bubuksan o babasagin hangga’t hindi pa ito puno. Magiging napakasarap sa pakiramdam ng ating mga anak na ang bagay na gustung-gusto nilang makuha ay kanilang pinaghirapan at pinagipunan.

Ang pagiging kuntento ng mga kabataan ay nakasalalay sa gabay at turo ng kanilang mga magulang. Habang bata pa sila, mas mabuting hubugin nang tama ang kanilang pag-uugali ukol sa paggastos at pag-iipon upang sa kanilang paglaki ito ay kanilang makasanayan na gaya na lamang ng sinasabi sa biblia: “Turuan mo ang bata sa daan na dapat niyang lakaran, at pagka tumanda man siya ay hindi niya hihiwalayan.”

- Kawikaan 22:6 Kabalikat para sa Maunlad na Buhay Inc.

23

XYZ +x

=?

X y

Passion + Fun = Success!

By Blesilda H. Visaya

“Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up.” Galatians 6:9 (NIV) This Bible verse may well apply to Mr. Victor Palce, KMBI Goa Branch Manager; and Mr. Jeric Encinas, KMBI Daet Program Officer, who were recognized at Bicol Microfinance Council, Inc. (BMCI)’s 8th Annual Microfinance Summit held at the CRH Development Building in Camalig, Albay last April 21, 2017.

Mr. Palce received first runner-up honors in the Best Branch Manager category while Mr. Encinas bagged the top prize in the Best Account Officer category. But as I sat for a short interview with these two gentlemen, I found out that it’s not the accolades that move them to be the best in their field of work.

Both professed that they were quite surprised about being nominated and winning for something they love doing.

Short of saying that being recognized for their work is just an added bonus. Here’s the excerpt of my interview with Mr. Encinas and Mr. Palce.

“What did you feel when you found out that you won the Best Account Officer Award?”

Encinas: I felt overjoyed. Of all the people who attended BMCI as Account Officer, I was chosen to be one of the awardees. It was the result of my everyday work.

24

Communi-K vol. 13 no. 2

XYZ

-X

XYZ

=?

Y

“What’s the kind of work that you do as a Program Officer of KMBI?” Encinas: I have lots of tasks, but it’s routinary. Like center meetings and interacting with clients. But the best part of my everyday work is when I do it the right way, and knowing that I helped somebody.

My goal as a Program Officer is to see our Program Members ascend from poverty and be connected with God. “What makes your ordinary work as a Program Officer extraordinary?”

Encinas: I cannot totally say extraordinary, because I do my job not because I need to do it. I think among the extraordinary things I do is putting God at the center of my daily undertakings. I take my daily struggles as challenges. And I lift everything to the Lord. When the day ends, I get a sense of fulfillment when I get my job done and work around my struggles.

“

I think among the extraordinary things I do is putting God at the center of my daily undertakings.

”

-Jeric

FEATURE STORY

Comics

“How does it feel to be one of the winners under the Best Branch Manager Category?”

Palce: Of course I am overwhelmed. I felt grateful and blessed; there were a lot of deserving nominees from other institutions. This [victory] inspired me to keep working and drove me to be a better version of myself. Somehow I felt the need to be at my best all the time, because they are expecting something of me being the best Branch Manager awardee.

“What motivates you to continue fulfilling your role as a Branch Manager?”

Palce: Certainly not the awards. But rather when I see a smile painted on the faces of our Program Members, when I know that I helped them. To see employees growing. Those are just few of the things that motivate me to continue my work. Not only continue, but grow along the way.

“Is the work of a KMBI Branch Manager easy?”

Palce: It depends actually. For me it’s easy because I’m happy with what I do.

Once you’re having fun with what you do, and you feel satisfaction out of it amidst struggles, it becomes normal. We just have to have fun while working, and everything will become easy.

“What makes your ordinary work as a Branch Manager extraordinary?”

Palce: BM work is typical. We wake up, drink coffee, get prepared, go to the office, listen to morning devotion, visit the center,

“It’s the sincere service to clients that makes my work at KMBI extraordinary.

-Vic” and sign documents. But what makes it special is when you are able to transform [the life of] a client. Not only clients, but also yourself. It’s the sincere service to clients that makes my work at KMBI extraordinary. We glorify the Lord while serving others.

From the short interview I had with these gentlemen, one could see and feel their dedication and sincerity at work and how they rely heavily on the Lord as they go about their work. Both Mr. Palce and Mr. Encinas give honor to KMBI through the work that they do. But most especially, they give glory to the Lord, as they are living testaments of KMBI’s Vision and Mission in action.

To summarize, let me quote once again from the Bible, “ That is why we labor and strive, because we have put our hope in the living God, who is the Savior of all people, and especially of those who believe.” from 1 Timothy 4:10 (NIV) Update: Few months after this interview, Victor is now the Acting Area Manager of Rizal, while Jeric has been promoted to Program Unit Head in Iriga Branch.

Kabalikat para sa Maunlad na Buhay Inc.

25

I

t was early 2017 when sad news broke across KMBI: Deputy Executive Director for Credit Operations Group, Mr. Rhany Barrera, was stepping down from his position. Leaving for his hometown in Koronadal, Rhany had to take the role of a full-time husband and father this time around.

But few months later, he came back as the Branch Manager of KMBI Surallah Branch, which further proves that he is here to stay and commit his service to the poor.

There’s something about Rhany that makes him an individual worthy of emulation. Is it his charisma? His eloquence? Or maybe his killer smile?

16 1.

26

THINGS WE CAN LEARN ABOUT RHANY

His profession as a Program Officer sprang from his love for community service and talking to a lot of people.

Communi-K vol. 13 no. 2

2.

3.

4.

5.

6.

7.

8.

He draws inspiration from the Program Members. He lauds their perseverance to elevate their way of living and secure the future of their families.

Hearing from the Program Members that he is able to contribute in their lives gives him even more inspiration.

When he started at KMBI, he did not aim for any position; all he knew was that he loved what he was doing.

He never felt the need to drag his feet to the office, because he believes each day would bring new inspiration.

For someone like Rhany, rising through the ranks was just an added bonus.

Such opportunity was not on the top of his mind when he started working at KMBI. He feels privileged to know that the organization recognizes his passion for service.

He claims his greatest accomplishment at KMBI is being part of what makes the organization what it is right now.

He denies that his leadership is all because of himself. His leadership style is a product of years of experience at KMBI.

COVER STORY

Bata, Bata,

Mag-Ipon

nang Tama!

Ni Nikki John C. Nabat

9.

10.

11.

12.

13.

14.

Rhany had the early makings of a leader, but claims KMBI played a big role in cultivating it.

The maturity of his leadership was a combination of his interactions with different kinds of people (clients, subordinates, higher-ups, colleagues) as it paved way for many opportunities for learning.

Not only did KMBI help bring out the best in him as a leader, but the organization also strengthened his spiritual connection with God. Rhany said he would not become the kind of leader he is right now if he was not put through fire.

Difficult situations will give rise to opportunities to become the leader or the person you ought to be.

His leadership was not born amid the peace and quiet; he developed leadership because he took all difficult situations as opportunities to test his strength.

He firmly believes that leadership cannot be taught, but it can be learned.

15. Rhany reads a lot of books pertaining to leadership and mentoring to impart newly acquired principles to his subordinates. He allows people to grow in their own way so that he may have the assurance that the next person to take his position is capable of sharing wisdom to others.

16. He is witness to great talents and skills lying within the operations staff, waiting for the perfect opportunity to be put to good use. He is confident that these people will soon rise as the new crop of committed successors worthy of continuing the ministry of KMBI. From what we can see, Rhany is indeed a man of humility and integrity. One could feel his ardent sense of social responsibility and love for fellowmen. He is the perfect example of a leader that KMBI wants to see in all of its staff. Let this be a reminder that you don’t need to have a subordinate to know that you are leading somebody. Transform your experiences into inspiration—that’s how you make a difference in the lives of other people.

Kabalikat para sa Maunlad na Buhay Inc.

27

MF INDEX

M

araming kliyente ang nananatili sa KMBI dala ng pangangailangan sa ating serbisyo. Pero higit sa lahat, ang nagpapanatili sa kanila ay ang kanilang maayos na pakikitungo sa kanilang Program Officers. Pero paano ba natin maiingatan ang ating relasyon sa kanila?

ang pagkakataon na ito. Ituring nating pribilehiyo na nandiyan sila sa programa para kilalanin sila. Hindi lang sentro ang binubuo; dapat bumubuo rin tayo ng relationship. Tandaan:

The importance of relationship.

Listen. Observe. Emulate.

Tuwing nire-recite natin ang ating corporate ideals, lagi natin itong binabanggit: “… and in right relationship with their fellowmen…” Bilang operations staff, dapat ay maintindihan natin na ang relationship ay nagmumula sa malasakit. Ang malasakit ay maiuugnay sa pagnanais na matulungan ang ating mga kliyente na makaahon sa hirap.

Laging makinig sa immediate superior.

Huwag ding balewalain ang mga training dahil bahagi ito ng ating improvement.

Pagmasdan ang ginagawa ng iyong IS at laging isaulo ang kanyang mga turo. I-apply sa sentro kung ano man ang natutunan nating magandang gawain mula sa ating IS.

Cherish center meetings.

May iba’t ibang kadahilanan ang mga kliyente kung bakit hindi sila nakakadalo ng meeting, pero wag sana natin silang sanayin na walang center meetings. Laging ipaunawa sa kanila nang kahalagahan

Ang center meeting lang ang tanging paraan upang makilala natin nang husto ang ating mga kliyente, kaya ‘wag sayangin 28

Communi-K vol. 13 no. 2

Pag may center meeting, may connection.

Meeting. Meeting. Meeting.

ng meeting, dahil ang una nating tanong bago sila mag-loan ay kung willing ba silang umattend ng meeting. Sa meeting kasi made-develop ang stability ng isang sentro. Hindi umiikot ang ating trabaho sa koleksyon lamang. ‘Pag puro koleksyon lang, mahirap maramdaman ang fulfilment sa trabaho na nagmumula sa matibay na ugnayan sa ating mga kliyente.

Be consistent.

May kani-kaniyang ugali ang bawat sentro.

Pero huwag ding pabago-bago ang ating ugali depende sa kung anong sentro ang pinupuntahan natin. Just be yourself. Hindi kailangang ikaw lang ang nag-aadjust para magustuhan ka nila. At ‘wag mo ring piliting sila ang mag-adjust para sa’yo. Do NOT let

them adjust TO you; let them adjust WITH you. Kung strict ka, dapat strict ka sa lahat ng sentro. Wag piliin ang sentro kung saan ka magiging strict. Malay mo, isang araw magkita-kita lahat ng sentro mo at iba-iba ang pagkakakilala nila sa’yo. Sabi ng isa mong sentro, mabait ka. Sabi naman ng isa mong sentro, sobrang higpit mo.

Di nagkakaiba ang mga microfinance institutions pagdating sa serbisyo. Ang nagiging labanan ngayon ay pagandahan ng relasyon. At ito talaga ang layunin ng KMBI. Ginagamit lang natin ang ating serbisyo bilang tulay para maging bahagi ng kanilang mga buhay. ‘Pag naging bahagi na tayo nito, mahihikayat natin silang baguhin ang kanilang sarili at komunidad.

Kabalikat para sa Maunlad na Buhay Inc.

29

MF INDEX

H

ave you encountered a Program Member who cannot be bothered to settle his or her weekly repayments?

Have you exhausted all your efforts to coax them into finally paying their loan, yet they would not budge? Then look no more, because an action for small claims may well be the solution to your problem.

What is an action for Small Claims?

It is a formal demand filed in court from a person against another to pay a monetary obligation worth not more than Php 200,000. Legally speaking, the “person” mentioned also includes juridical persons like a corporation and that includes KMBI. What are the benefits of an action for small claims?

It’s simple. It’s cheap. It’s fast. Simple because there are forms already available from the courts, cheap because it does not cost much to file small claims, and fast because it does not take too much time

30

Communi-K vol. 13 no. 2

to execute the action. In addition, it is primarily governed outside of the ordinary rules of procedure.

What are the claims/demands applicable for Small Claims cases?

The agreements covered by the said rules include the following: 1. Contract of Lease; 2. Contract of Loan; 3. Contract of Services; 4. Contract of Sale; or 5. Contract of Mortgage; How do I start filing a small claims case?

As much as possible, do your best first to talk to the other party and really convince them to pay their debt. Write a simple demand letter using the approved template of KMBI. Involve persons who could be trusted to mediate for you.

TIPS

If all those remedies did not work, you can proceed with the filing of small claims.

However, it’s best to prepare your evidence first. Have the demand letters attached.

Prepare the signed contract if there are any. Get affidavits and provide other pieces of evidence to support your claim.

Where can I file a small claims case?

If the above documents are ready, go to the nearest Municipal Trial Court. From there, look for the person they call “Clerk of Court”. Once you talked to the Clerk of Court or his representative, they will instruct you to fill out some forms. The clerk will give you a ready-made form called a Statement of Claim (Form 1-SCC). You just have to fill out the form and submit it to the clerk of court after filing the necessary docket or legal fee.

Is there a fee for filing a small claims case?

Yes. The docket fee costs around Php 2,000 (amount may vary) for each claim.

What happens after I completed the form and payment?

Once you submitted the form and paid the fees, the court will examine your complaint and, if found with merit, within 30 days the court will issue summons to the respondent and he/she has to answer your complaint within ten (10) days from the receipt of the complaint. The summons is also accompanied by a notice of hearing on a date set by the court. Lawyers are not allowed to appear in the hearing except if he is the complainant or respondent.

What will happen after the hearing?

After the hearing, the court shall render its decision on the same day, based on the facts established by the evidence (Form 13-SCC). The decision shall immediately be entered by the Clerk of Court in the court docket for civil cases and a copy of it immediately served on both parties. The decision shall be final and unappealable.

Kabalikat para sa Maunlad na Buhay Inc.

31

Organizational Performance

As of August 31, 2017

Indicators

Efficiency

Loan Activity

Cost per unit Lent

0.17

Client Outreach

138,225

Cost per Loan Made

Php1,709.36

Loan Portfolio

771.6M

Financial Self-Sufficiency

117.46%

Value of Loans Made

Php 1.72B

Operational Self-Sufficiency 120.03%

Portfolio-at-Risk

Php 18.6M

Ave. No. of Client per PA

215

MF-Operations

922

No. of Loans Made

175,732

Support Group

118

Number of Staff

Our Vision “To see people in communities live in abundance with strenghtened faith in God and in right relationship with their fellowmen and the rest of creation”

Our Mission “KMBI is a Christcentered development organization existing to advocate and work for the integral transformation of the lives of its clients and their communities, by providing sustainable microfinance and responsive non-financial services.”

7

STRATEGIC DIRECTIONS

1

DEVELOP FAITH-BASED

OUTLOOK & VALUES OF PEOPLE

2 ENSURE

SUSTAINABILITY OF KMBI

3

STRENGTHEN BOARD GOVERNANCE

& LEADERSHIP

4 5

Christian Faith People’s Well-Being Good Governance Continuous Improvement Teamwork

DELIVER CONSISTENT

& EFFECTIVE TRANSFORMATION ACTIVITIES

FOSTER AN

ATMOSPHERE OF TRUST

BUILT ON INTEGRITY

6

ENHANCE PERSONAL VALUING

7 BUILD CLOSE & 32

Core Values

Communi-K vol.RELATIONSHIPS 13 no. 2 HEALTHY

12 San Francisco Street Karuhatan, Valenzuela City Tel (02) 291.1484 to 86 Fax (02) 292.1441 www.kmbi.org.ph