BusinessWeek Mindanao (January 15, 2021) by Mindanao Daily News

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Briefly Bangsamoro projects THE Department of Public Works and Highways (DPWH) said Tuesday it hopes to soon implement an infrastructure program consisting largely of roads and bridges for the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM). “DPWH will begin its program to strengthen connectivity between areas in BARMM and other regions of Mindanao by developing and upgrading 176.60-kilometer primary and access roads under the P12.86-billion Road Network Development Project in ConflictAffected Areas in Mindanao funded by the Japan International Cooperation Agency (JICA),” the department said in a statement. The DPWH added that it targets to “start soonest” the construction or improvement of the 13.9-kilometer MatanogBarira-Alamada-Libungan Road and the 63-kilometer TapianLebak Coastal Road, after completion of the detailed design study.

Mining freeze PRESIDENT Rodrigo R. Duterte has ordered the suspension of all mining on an island in TawiTawi, within the Bangsamoro Autonomous Region in Muslim Mindanao, a cabinet official said Tuesday. The President issued the order following reports that Tumbagaan Island in Lunguyan, Tawi-Tawi has been “completely devastated as a result of mining operations,” Cabinet Secretary Karlo Alexei B. Nograles said at a televised briefing. He said Mr. Duterte brought up the state of mining on the island, a source of nickel, during a Cabinet meeting on Monday night in Malacañang.

IN-DEPTH

Friday|January 15, 2021

P15.00

Slow economic recovery expected for Mindanao By ANTONIO L. COLINA IV, MindaNews

AVAO C i t y – A prominent business leader here expressed optimism that Mindanao will slowly recover in 2021 from the economic lag it suffered last year due to the coronavirus disease (COVID-19) pandemic.

CAMIGUIN FLOOD. A man wades through floodwater in Mambajao, Camiguin noon on Tuesday after heavy rains brought by a low pressure area hit the island. photo courtesy of john simborios

Reopening of more bus routes in M'danao mulled THE Land Transportation Franchising and Regulatory Board-10 (LTFRB-10) is pushing for the local governments in other regions in Mindanao to open their borders to allow the passage of

Maria Lourdes Monteverde, who will again be president of the Davao City Chamber of Commerce and Industry Inc. (DCCCII), said in a statement that Mindanawons must learn to “adapt and live” despite the threats of COVID-19 although she believes that the year 2021 will remain a challenging year, with or without the vaccines. Monteverde, president of DCCCII from 2011 to 2012, will again take helm of the business community of the city starting January 23. She said businesses should optimize SLOW/PAGE 10

buses plying inter-regional routes. "The reopening of the bus routes in Mindanao would be beneficial to businesses and people," said Aminoden ROUTES/PAGE 10

MinDA calls for more infras to support BIMP-EAGA trade MINDANAO needs transport and telecommunications infrastructure to enable trade with countries participating in the Brunei DarussalamIndonesia-Malaysia-Philippines East

ASEAN Growth Area (BIMP-EAGA) partnership, a development official for the region said. Mindanao Development Authority SUPPORT/PAGE 10

FRIED FISH. A man looks at danggit fish being dried in Barangay Caub in Del Carmen town in Siargao Island. The “buyad” (vernacular for dried fish) sells for 800 pesos per kilo. mindanews photo by roel n. catoto

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Local

Nadya's Balay Nenotchka hosting PGO Extension Office since 2019

OR almost two years now, the Misamis Oriental provincial government extension office in Tagoloan, Misamis Oriental has served more than 20,000 constituents since it opened in September 2019. That's thanks mainly to the owner of the place, lawyer and former Cagayan de Oro City Councilor Nadya Emano. Balay Nenotcka is a wide expanse of space and structures that house the various services of the provincial government extension office in Zone 11, Poblacion, Tagoloan, Misamis Oriental.

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FRIDAY|JANUARY 15, 2021

By MARK FRANCISCO

After serving her term as councilor, Emano decided to return to her hometown in Tagoloan and assisted her brother Gov. Yevgeny Vincente Emano by hosting the extension office at Balay Nenotchka, named after their late sister. "Kining ako pure volunteerism ra g'yud ni. We do not just cater to Tagoloanons but to all constituents of Misamis Oriental," Atty. Nadya Emano said. Among the services that the extension office is offering are legal consultations, minor surgeries, circumcision, social services, 3-in-1 services (embalment, wake and funeral) and

financial assistance. “Congratulations sa atong extension office sa may lungsod sa Tagoloan. Keep up the good work. Bisan paman ug unsay buhaton sa pagpangguba ug pangdaot kaninyo, ayaw mo pagpakahuyang, magmalig-on kamo kay tan-awa 21,000 na ka serbisyo ang inyong natunol,” Gov. Emano said. For her part, Atty. Nadya Emano urged the constituency in Misamis Oriental to continue patronizing the services in the extension office, saying they have an option if they cannot go to the provincial capitol in Cagayan de Oro City.

BALINGASAG, MISAMIS ORIENTAL National Highway Balingasag, Barangay 4, Balingasag, Misamis Oriental Mobile Number/s: 0933-823-3161, 0933-823-3304 Tel. Number: 333-5161 CAGAYAN DE ORO P&J Lim Building, Tiano Kalambagohan St., Barangay 14, Cagayan de Oro City, Misamis Oriental Tel No. (08822) 727-829 / 231-6629 Telefax No. (088) 856-1947 Mobile No. 0933-823-3303 / 0943-708-7065 CAGAYAN DE ORO WAREHOUSE Warehouse 7, Bonbon Road, Kauswagan, Cagayan de Oro City, Misamis Oriental Mobile No. 0917-825-4149 / 0943-708-7065 CARMEN, CAGAYAN DE ORO Vamenta Blvd., fronting CEPALCO, Carmen, Cagayan de Oro City, Misamis Oriental Tel. No. (088) 233-2011 Mobile No. 0933-823-3159 CORRALES, CDO Corrales Ave., Barangay 29, Cagayan de Oro City, Misamis Oriental Telefax No. (088) 231-2055

Lawyer Nadya Emano in her daily routine at the PGO Extension Office in Tagoloan, Misamis Oriental. pio photo

LPA brings floods, landslides in Dinagat, Surigao BUTUAN City – Heavy rains caused by the lowpressure area (LPA) and the tail-end of a frontal system have caused floods

DIVISORIA, CDO A. Velez St., Barangay 9, Cagayan de Oro City, Misamis Oriental Telefax No. (088) 856-1947 Mobile No. 0917-841-4000 / 0933-823-3164 GINGOOG CITY G/F Wyne Militante Bldg., Lugod St., Barangay 22, Gingoog City, Misamis Oriental Telefax No. (088) 861-0104 Mobile No. 0933-823-3168 LAPASAN, CDO National Highway (FICCO Bldg.), Lapasan, Cagayan de Oro City, Misamis Oriental Tel. No. (088) 231-6739 Mobile No. 0933-823-3160 PUERTO, CDO Purok 6, Puerto, Cagayan de Oro City, Misamis Oriental Tel. No. (088) 859-0574 Mobile No. 0943-708-7537 CAMIGUIN B. Aranas St., Poblacion, Mambajao, Camiguin Telefax No. (088) 387-0491 Mobile No. 0943-708-7539

and landslides in many areas in the Province of Dinagat Islands (PDI) and Surigao City since Tuesday, officials said Wednesday. In a statement, the Provincial Disaster Risk Reduction Management Office (PDRRMO) of Dinagat Islands said the weather systems “have significantly affected the province in terms of access to lifelines” as 20 major landslides along national and local roads occurred. Soil erosions were also recorded in the mountainous areas in the province as well as flooding in low-lying areas, the PDRRMO added. “Amidst these

challenges under harsh weather conditions, we posted zero casualties. With this, Governor Kaka Bag-ao and the Provincial Government of Dinagat Islands acknowledges the efforts of all DRRMCs, national line response agencies, law enforcement, and public health and safety workers, volunteer responders, private entities, and most of all, our communities for adhering to the precautionary measures implemented for the safety of the general population,” it said. Based on the Rapid Damage Assessments and Needs Analysis (RDANAs) simultaneously conducted by all LGUs, a total of 558 families or 1,386 individuals in the province were directly affected by the landslides and floods and are now temporarily sheltered in different evacuation centers in the province. As of Wednesday afternoon, the Paragua Road that connects the towns of Libjo, Tubajon, and Basilisa is cleared and declared passable while clearing operations are still ongoing in the road sections in barangays Jacquez, Matingbe, and FLOODS/PAGE 11 EXTRA-JUDICIAL PARTITION OF ESTATE KNOW ALL MEN BY THESE PRESENTS: That the late EUGENIA Y. MABULAY who died intestate on ____________, without leaving a will; that the said deceased, at the time of her death, left no debts; that the time of her death, she is the registered owner of the following properties with TAX DECLARATION NO. G-369982, North: Lot 6226-B, East: Lot 6221, South: Lot 6225 & 6227, West: Iponan River & Lot 6229, containing an area of FOUR THOUSAND THREE HUNDRED EIGHTY SEVEN (4,387) Square Meters, more or less, and has been the subject of an EXTRAJUDICIAL PARTITION OF ESTATE, filed by the heirs of EUGENIA Y. MABULAY, per DOC #441; PAGE #88; BOOK #XVIII; Series of 2020 under the Notarial Registry of ATTY. EMELITO J. MARQUIÑO. BWM: Jan. 15, 22 & 29, 2021

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FRIDAY|JANUARY 15, 2021

Cebu Landmasters reports 12.5% higher reservation sales LISTED property developer Cebu Landmasters, Inc. (CLI) posted 12.5% increase in its reservation sales for 2020 to P14.25 billion despite the coronavirus disease 2019 (COVID-19) pandemic. In a regulatory filing on Tuesday, CLI said the amount is equivalent to 5,300 sold units nationwide and is higher than the P12.67 billion in reservation sales recorded in 2019. “Despite the many challenges posed by the pandemic in 2020, our sales figures indicate strong revenue streams ahead and an upward growth trajectory. We found many opportunities amidst the crisis that contributed to our

performance,” Jose Franco B. Soberano, CLI executive vice-president and chief operating officer, said in the statement. The company revealed that 69% of its sales for 2020 came from its economic brand, Casa Mira, followed by its mid-market Garden Series at 19%, and high-end Premier Masters at 10%. For 2020, CLI said it had launched nine new projects worth P11.4 billion, equivalent to 4,300 units, and has already sold 70.6% of the new inventory by yearend. Among provinces, Cebu accounted for 46% of the company’s sales, while the remaining 54% came from other areas in the Visayas and Mindanao HIGHER/PAGE 11

2020 car sales down 39.5% SALES of local vehicle assemblers declined by 39.5 percent for the full year of 2020, the joint report of Chamber of Automotive Manufacturers of the Philippines, Inc. (CAMPI) and Truck Manufacturers Association (TMA) showed. Vehicle sales of CAMPI and TMA last year dropped to 223,793 units from 369,941 units in 2019. The volume of passenger cars sold in 2020 decreased by 36.2 percent to 69,638 units from 109,197 units sold in 2019. This segment comprised 32 percent of vehicle sales in the previous year. Commercial vehicles, comprising 68 percent of the total sales in 2020, recorded a larger decline in sale. This segment sold 154,155 units in 2020,

TEACHING AND TECHNOLOGY By: MERLYN D. RANIDO Teacher II San Isidro Elementary School Kitaotao I District

Teacher grab her android phone, read the personal messages of her students parents, enter WiFi Internet connected room and switch on the Smart Board. While connecting the laptop to the smart board she tells the students to get their tablet and pass or post their assignments to the FB group created by the teacher. She the check an read their assignments and later proceed to the new topic. Her computer oriented lessons feed the minds of the students and soo they are off to the world created by the geniuses around the globe, ti the wonders of Internet, to the learning brought by the advancement of educational technology. There are so many things

CorporateWorld

that technology can do. Technology, especially in the field of education, makes learning fun a unforgettable. It makes life quick, accurate, efficient and streamlined. The advancement of technology leads to the advancement of life, thus the advancement of students learning. Wifi Internet c on n e c t i ons e mp owe r the spread of latest Lear. Availability of information in the Internet make students well rounded and proper use of it will surely ma the new generation prompt and competent. Want to have fun while learning? want to know about Pluto? Click your computer and it is there. Want to know how to have a extemporaneous

speeches? Watch YouTube. Teacher now a day should not limit to the four walls of the classroom. Should not be contented with the chalk and talk method and do not pupils learning to what's on the Manila paper copied from the issued book. Teachers now say goodbye reading and nutritional status are in template and can be identified by just a click. Teacher then must be updated, knowledgeable with the newest technology, with the needs of the students and with the newest technology and with the fad of time. Techy teacher produce techy learners. Learners that could combat the competitive world and can mingle with the generation of innovative geniuses.

down by 40.9 percent from 2019’s sales volume of 260,744 units. All sub-segments of commercial vehicles also recorded double-digit decrements. Light commercial vehicle sales dropped by 43.2 percent to 116,858 units in 2020 from 205,805 units in the past 12 months. Asian utility vehicles sold 29,085 units last year,

28.8 lower than the 40,838 units sold in 2019. Sales of light trucks likewise declined by 43.5 percent to 4,469 units from 7,915 units. Trucks and buses category four decreased its sales by 40.8 percent to 2,831 units from 4,779 units sold a year ago, while category five also dropped by 35.2 percent to 912 units from 1, 407 units in 2019.

The industry association has yet to give its targets for this year. For December 2020 sales alone, month-onmonth sales increased by 19.1 percent to 27,596 units from 23,162 units sold in November of the same year. Commercial vehicle sales went up by 22.4 percent while passenger cars increased by 12.7 SALES/PAGE 11

DOE opens bidding for 22 areas for renewable energy dev’t THE Department of Energy (DOE) has started accepting bids for 22 predetermined areas for potential geothermal and hydropower resources to accelerate the renewable energy (RE) development in the country. During the 3rd Open and Competitive Selection Process (OCSP) on Jan. 5, the DOE bared 17 predetermined areas for hydropower projects and five potential sites for geothermal energy development. These areas have potential capacity to generate 150 megawatts

(MW) of RE. The 17 predetermined areas for hydropower projects include Area No. 1 Amlan Plant C with 0.8 MW potential capacity, Area No. 2 Amlan Plant A (3.2 MW), Area No. 3 Hilabangan Upper Cascade (4.8 MW), Area No. 4 Hilabangan Lower Cascade (3 MW), Area No. 5 Maninila Lower Cascade (4.5 MW), Area No. 6 Maninila Upper Cascade (3.1 MW), Area No. 7 Tibiao (2.1 MW), Area No. 8 Dalanas (3 MW), and Area No. 9 Sibalom Middle Cascade (4 MW). Completing the list

of predetermined areas for hydroelectric power projects are Area No. 10 Aklan River Lower East Tributary (3 MW), Area No. 11 Aklan River Middle Tributary (2.4 MW), Area No. 12 Aklan River Upper Tributary (2.4 MW), Area No. 13 Vera Falls (0.3 MW), Area No. 14 Palali (0.2 MW), Area No. 15 Coyaoyao Upper Cascade (0.2 MW), Area No. 16 Dapnan (1.4 MW), and Area No. 17 Balintingon (52 MW). For geothermal energy projects, the predetermined areas BIDDING/PAGE 11

The fulfilment of teaching By: CHERRY ANN B. PRESQUITO Teacher I San isidro Elementary School Kitaotao I District

Teaching has to be one of the most gratifying care choices any can make, and being integral part of forming the minds of our young people is a calling tha id also a treasure. Being a professional teacher is one's dream to those who made up the line of education. I t is the peak to those who value its worth and believed in his/her capabilities to change and ma one's future successful one. Teaching profession is more than a public service. This is no just about tea students with knowledge and skills a teacher bears nor does the boo say. Even if we've internets today, this will also not suffice the

assurance of our students to finish. Family's wealth nor the kind of food a student eats does no guarantee a bright future. Giving a child all he/she wants as a motivation for earning good grades and even excelled grades will not promise a designation in the future. Its about teachers patience, perseverance, love and commitment to work. A teacher who does not look at teaching profession as a gold source which she/ he believes we gi him/her a very convenient and a comfortable lie. Its about teacher's who look at her profession as an arena to transform excellent, responsible, passionate

abd open minded future citizens.Teachers who see their students as "whole persons" are the ones who are reflected on transforming power of Education. These teachers are able to see beyond" academic goals ". They know the teaching is more than imparting knowledge or information, and that transformation cannot be achieved only through academic goals. Human beings are" head a heart ". Therefore, teachers need to consider social and spiritual goals as well. Only then, we can talk about help our students reach self- fulfilment as well ourselves as fulfilled teachers.

If interested, contact:

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dannycarosesudaria0512@gmail.com 0936-046-2356

Opinion

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Sleep walking Think a minute . . . This is a true story about an American president you probably have never heard of. In March, 1849, President James Polk was finishing his term as the U.S. president. The newly elected president, Zachary Taylor, was scheduled to start his term on 4 March. But 4 March, 1849 was a Sunday, and Zachary Taylor was a religious man; so he refused to take his oath of office on a Sunday. But according to the U.S. constitution, President Polk could not remain in office even one day longer than his four-year term. So who would be the president for t hat one day? The U.S. constitution instructed that the head of the Senate would temporarily be president until the new president could take his oath of office. The head of the Senate at that time was David Atchison. So for those 24 hours—from 12:00 noon on 4 March until 12:00 noon on 5 March, 1849—David Atchison was the legal president of the United States . . . and the American President you likely have never heard of. But that’s not the whole story.

THINK A MINUTE

JHAN TIAFAU HURST President Polk’s last week in office was a very busy one. Senator David Atchison did not miss a day of work. Neither did he miss all the farewell celebrations and parties for President Polk. When Senator Atchison finally went to sleep late on Saturday night, 3 March, he was so exhausted he told his landlady not to awaken him for any reason at all. She faithfully followed his instructions not to wake him, not even in time for him to publicly take office as the U.S. President! In fact, Senator Atchison was so tired that he slept all day Sunday through noon on Monday, 5 March. David Atchison, President SLEEP/PAGE 11

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FRIDAY|JANUARY 15, 2021

Pandemic trade-offs

Alubijid, MisOr — Most often than not, nobody does something for nothing. There is always a quid pro quo involved, like it or not. Like the pandemic that we are currently struggling to overcome, the trade-offs are overwhelming to the human race. Never in our lifetime that an invisible enemy could downturn in an instant our way of life. Not this kind of global health crisis that had scared us to the teeth — and down to our spines. The damage had been so fatal, so damning in a sense

that we were beaten down and out, hard and blue. The truth of the matter is that the global health crisis that we are now at war with has weakened us to the fore. It brought us down into a serious situation never before seen and felt on a global scale. That said, fighting the pandemic has forced us to make unnecessary tradeoffs between our lives, the environment and our livelihoods. Millions are now close to subsistence, and worse — at their survival boundaries. And worst, getting a

decent three square meals these days had become nightmares to the millions who are have-nots and the marginalized. While Covid-19 vaccines are being developed as quickly as possible, no guarantee yet of immediate relief, nor instant cure. The new coronavirus variant that was initially discovered in the UK, is now with us — detected and confirmed through a returning Filipino businessman from Dubai. There is no way for now but to take safety as top priority, while waiting for

UNRUFFLED

RUFFY MAGBANUA the vaccines, be it from the US, Germany, from China. What matters most is the sense of urgency, not the brand, nor the origin. (ruffy44_ph2000@yahoo. com)

PCMA’s CL21 opens up its omnichannel showcase via MBS Singapore’s Global Broadcast Center PCMA’s Convening Leaders (CL21) has kicked off, 11-15 January, this year as a global omnichannel showcase of business events. Audiences this year have the flexibility to p ar t icip ate how and where they choose. While Houston, Texas, had initially been chosen to host the in-person event, the spread of the Covid pandemic, meant that PCMA moved to connect its CL21 participants in different regions/countries main ly v i a Mar ina B ay Sands Global Broadcast Center hub in Singapore. “The collaboration is a testament to Singapore’s position as a key MICE hub as wel l as P C M A’s resilience to adapt and emerge stronger from the pandemic”, said Dr Edward Koh, executive director, Conventions, Meetings and Incentive Travel, Singapore Tourism Board, which has p ar t n e re d t o s t a ge t h e event. Keynote speaker this year is Thomas Friedman, a three-time Pulitzer Prize-

w inning j our na list and bestselling author. “During a time when the business events industry has been drastically affected by the pandemic, Friedman’s message will inform and inspire our audience,” said PCMA president and CEO, Sherrif Karamat. “Through our partnership with Singapore Tourism Board we are excited to showcase what an omnichannel event lo oks li ke; launching a Global Broadcast Center in Singapore as part of our biggest event showcases our commitment to the rich future of the industry.” T he C L 2 1 bro a d c ast will be a mix of live, simulive and rebroadcasts designed to maximise the engagement for the entire audience. T h i s y e a r ’s c o n t e n t programme is based around four le ar ning t racks to Recovery Discovery. They are presented in the form of studios, developed from PCMA’s ongoing campaign of re s e arch , re sk i l l i ng , event experimentation and

education based on insights from the membership. The studios and thought leadership main areas are: Omnichannel Events & E x p e r i e nc e s ; 7 C h ange Actions to Transformation; New Business Model Exploration; Rsiliency in Life & Work. T h e d i g it a l e ve nt i s based on the Juno platform and the Main Stages have all the featured speakers, while the visitor journey is recommended to start in the Kitchen, where networking and wellness sessions can be accessed. Among the speaker line up is the Hon. Julia Gillard AC, former prime minister of Australia, and the first woman to take the role. She will be sharing insights of her personal leadership journey. There will also be case studies presented by organisations that have taken the bold step to embrace AI and digitalisation, Dr. Ayesha Khanna will share practical insights and the steps organisations can

NUTS & BOLTS

JEROME DE LA FUENTE

take, to realise value while fending off competition. And Peter Hinssen will talk about the Never Normal period we’ve entered and the mindset, skillsets and leadership needed to build transformational strategies to face these ongoing changes. The closing keynote will be from US Olympic Gold medalists Megan Rapinoe and Sue Bird. They will also lead a discussion from their home about advocacy and change. The CL21 programme also includes a wide range of sessions with Tech Talks and Venue & Destination.

Getting to know the people’s choice IF elections were to be held tomorrow, the next President which the people will vote to succeed Rodrigo R. Duterte will be his own daughter -the strong-willed Davao City Mayor Inday Sara Duterte. This, according to the yearend survey done by Pulse Asia, which ranked her on top of 11 probable presidential candidates. Mayor Inday, for certain, must be overwhelmed and humbled by the stunning results but she nevertheless asked the survey firms not to include her name in the list knowing full well that there will be more surveys to come. She is not running she says. For now, she said she is focused in battling Covid 19 especially that the new variant was reported to be present in Sabah which makes it closer to home. The respondents obviously wanted nothing less than the Presidency for the Davao City Mayor, She landed second in the list of Vice President and

3rd in the senate slate. While some quarters opined that Mayor Inday Sara was boosted by Mindanao that gave her 58% moreover even without Mindanao she still leads in NCR, Balance Luzon (BL), and the Visayas. If that is not significant enough, Inday Sara is the preferred candidate for President by socio-economic classes ABC, D, and E. It helps that she bears the name Duterte. The 91% trust and an approval rating of Pres. Rodrigo Duterte holds sway plus the name recall but Mayor Inday has carved a name in the Philippine political arena. If her father was described by UP Prof. Clarita Carlos as intelligently courageous, the daughter, who is a lawyer, is imbued with that and has an impeccable charisma to boot. Wh e n t h e n - Sp e a k e r Pantaleon Bebot Alvarez made the colossal mistake of dubbing her an opposition for organizing Hugpong ng

Pagbabago, Mayor Inday hit back with a stinging rebuke for indeed why should the President’s daughter, who shaved her head to demonstrate her support for her father during the trying days of the presidential campaign, turn against him? “PRRD is better off without Alvarez”, she fumed. Regional political leaders who had no love for Bebot Alvarez were listening, consulting, and organizing and finally jettisoned the Speaker. Now take it from the father. “She is the Alpha in the family”. And a piece of post advice to Alvarez and those who undermine her from where she is quietly attending to her job as Mayor he said: “never mess with her”. But that is p olitical intramurals. How is she as Mayor? Under her, Davao City, before the pandemic, enjoys an average economic growth of not less than 10 percent.

LETTERS FROM DAVAO

JUN LEDESMA Doing business in the city is no hassle. The city has always been one of the most peaceful cities and livable cities in the world. The city remained to be the commercial and communication center of Mindanao. She has clear priorities. She wants an efficient bus system in Davao to get rid of Jurassic jeepneys. The program was in the implementation stage when Covid came and decided to put it on hold. But all the legal processes and measures are already CHOICE/PAGE 11

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FRIDAY|JANUARY 15, 2021

TDF rates decline anew as demand remains strong I NTEREST rates of the Bangko Sentral ng Pilipinas’ (BSP) term deposit facility (TDF) slipped anew Wednesday due to strong demand. Data released by the central bank showed the average rate of the seven-day TDF went down to 1.6470 percent from 1.6735 percent during the auction last Jan. 6. Similarly, the rate of the 14-day facility decreased to 1.6673 percent

from 1.6819 percent last week. The BSP increased the offering this week to P550 billion from last week’s P530 billion but oversubscription remains thus, the full award for both tenors. Specifically, the one-week facility was offered for P200 billion from last week’s P190 billion. Bids totaled to P305.273 billion, resulting in a bid coverage ratio of 1.5264. Also, tenders for the 14-day

TDF reached P421.342 billion, higher than the P350-billion offer. Bid coverage ratio stood at 1.4305. “The results in today’s TDF auction continue to reflect ample liquidity in the financial system,” BSP Deputy Governor Francisco Dakila Jr. said in a statement. He added the central bank’s “monetary operations will remain guided by its assessment of liquidity conditions and market developments.” (PNA)

Dominguez sets Banks see wholesale/retail recovering PH's contingent fastest among hard-hit industries liabilities review BANKERS said wholesale/ stable in 2021-2022, while prospects for an economic recovery, less than the 70% a minority of 25%, mainly retail will recover this year in the previous survey. foreign lenders, expect a the fastest among the FINANCE Secretary Carlos Dominguez III will look into government’s contingent liabilities this year to ensure all their decisions will be based on facts. “This year, I’ve made it my project to look at all our contingent liabilities. One is PPP (publicprivate partnership). I’m also going to look at the contingent liabilities of SSS (Social Security System), GSIS (Government Service Insurance System), and PhilHealth (Philippine Health Insurance Corporation),” he told members of the Management Association of the Philippines (MAP) during the group’s 72nd inaugural meeting and induction of 2021 MAP Board of Governors on Tuesday. This move, he said, will be made to ensure that authorities’ decisionmaking will be based on facts. Dominguez said he has discovered that some government-owned and controlled corporations (GOCCs) are not following REVIEW/PAGE 11

industries most heavily affected by the lockdown, while accommodation services and transport could take up to two years, according to a survey conducted by the Bangko Sentral ng Pilipinas (BSP) in the second half of 2020. The BSP’s Banking Sector Outlook Survey (BSOS) also showed a consensus held by 65% of those surveyed that overall growth in the next two years could drop below 6% in the worst case, with 6.3% the other end of the range. This view represents a slight softening from the year-earlier survey consensus of 6-6.3%. “Banks observed that the wholesale and retail trade sectors will be the fastest to recover in the next six months to one year. Transportation sector will take the longest time of about two years, while accommodation sector will take around one to two years to fully recover,” according to the survey findings, issued Friday. The survey found that 68.8% of those surveyed expect the domestic banking system to be

strong rebound during the period. In the year-earlier survey, only 0.8% of respondents expected the banking system to strengthen over the near term. “Banks’ positive economic outlook translated to renewed confidence in the stability of the banking system… The news of a high efficacy (more than 90%) of the COVID-19 vaccines, being developed and soon to be rolled out by leading pharmaceutical and biotechnology companies, partly buoyed banks’ riskon sentiment,” it said. The survey asked presidents, chief executive officers and country managers of universal, commercial, thrift, rural and cooperative banks about their outlook on the banking industry and the overall economy, considering the impact of the pandemic. The latest BSOS was the fourth since its launch in October 2018. Around 60% of the respondents said they expect double-digit growth in their assets due to the

Some 71% of the banks also projected doubledigit growth in their loan portfolio and deposits over the next two years. Around 70% of lenders also expect net income to increase in the double digits, less than the 80% in the 2019 survey. Estimates for return on equity were subdued, with 33% of bankers projecting less than 5%, compared to 11.3% previously. “The slowdown in economic activities may have exerted pressure on the quality of bank loan portfolios. This could be seen in the increase of respondents expecting the ratio of non-performing loans (NPL) to total loans to exceed 3% in the next two years to 81.3% (of respondents) during the second semester of 2020 from the 67.4% in the previous survey,” the BSP said. The central bank also surveyed the bankers on their projections for volume of restructured loans relative to their total loan portfolio, a new indicator included in the RECOVERING/PAGE 11

SCHOOL : Sweet or Bitter By: CHERRY ANN B. PRESQUITO Teacher I San Isidro Elementary School Kitaotao I District

Schedule is not just a simple word but it has a deeper meaning for every pupil. It has given a time frame or a schedule for an individual to educate himself. It can be sweet or bitter. What makes it sweet? School has an immeasurable feat. It is real special place for teaching and learning. It also ref a wonderful part of meaningful Learning experiences and pictures of a bright future of every generation's great personalities who can be rich, famous and excellent leaders of a nation. Isn't that Sweet? On the other hand, School can also bring bitterness especially to the parents. Parents send their children to school, entrust them to the teachers and in return they expect the teachers to act as a second part. Teaches who love teaching and service take good care of their pupils unconditionally regardless

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of their color, ethnicity, economic status and gender preferences. They mold the young minds, work hard and develop a productive personality in terms of intellectual and character well-being of each learner. They also help them to overcome their inferiority complex, boost their self-esteem and to develop self confidence. The word is full of risks. We are living in a fast changing world and if not properly guided by wise parents the chi may not be reach their educational goals. they keep asking their parents for money for plenty of reasons. But in reality they just wanted to be "in" for whatever is new in this trending society. They want new gadgets introduced in the market. this is where bitterness comes in. all parents want the best for their children but the children of today's generation are somewhat blinded by

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the break through of technology. All bitter things can possibly happen if there is no good parenting. To be successful in life, one must finish school. That is why today's generation must come to school regularly in order to earn a degree. The Department of Education is committed to aggressively scale up intervention in order to elevate and ensure quality education. The school and the parents must work hand in hand in order to achieve the common goal, giving our children the best education tha they can get for them to be productive and globally competitive citizens in our country. Despite of to bitterness that we can feel as they climb up the ladder towards a bright future, School can always bring us sweet memories a sweet fruits in the future.

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LIFESTYLE IN-DEPTH

Friday|January 15, 2021

Comfort Food CDO:

By TITO MIKE

HERE’s this relatively new food company that produces frozen ready to eat food that’s been quietly making ripples among the lucky patrons fortunate enough to have come across them while surfing the world wide web. Dubbed Comfort Food CDO, the home-based enterprise started in late 2017 brought by love for food and as a means to help couple Baba Pelaez and Francis Manaloto raise extra income for their wedding. “We started selling sisig to friends lang mga late 2017 pang extra income for the wedding, then in 2018 we started selling na pud ang Bicol Express which became a second source of income,” said Baba. ‘Then last year lang gyud pag covid na we released the Binagoongan kay for a time wa koy makuha supplier sa lubi na reasonable price since tanan is just delivered. Sunod-sunod na dayon ang Callos then ang Asado.” At present, their menu is still limited to five specialties: Sisig Kapampangan, Bicol Express, Binagoongan Kapampangan, Callos and Pork Asado Macao Style.

However, what makes this line-up special is they are all family heirloom recipes handed down from across generations. “Our Sisig Kapampangan was taught to me by my uncle, mama’s brother (mom Beng whose family is Kapampangan),” Baba said, adding that hubby Francis is also half-Kapampangan. As most Filipinos are aware, the Kapampangans are renowned for their culinary chops not only all over the country, but in overseas Filipino communities as well. Besides the Sisig, Baba also inherited their Binagoongan Kampangpangan style, also from her Mom Beng’s side. “Our Bicol Express was approved by my mother-inlaw who is Bicolana, while our Callos is my Lola Edith’s recipe who taught Mama, then si Mama taught me,” Baba said. “Amo na dayon gihimo among version based on the original.” Edith Pelaez (nee Fabella) was the wife of former Vice President Emmanuel Pelaez, and mother of her father Eduardo “Bong” Pelaez, the sixth of the couple’s nine children.

Sharing a Legacy of Family Heirloom Recipes

However, Baba admits she’d had to put a contemporary twist to the Callos to make it suitable for multiple production. “I had to improvise kay si Mama mag tudlo puro based sa dila ang spices,” she laughingly shared. “Dili namo puwede baligaya so amo gitimbang ang tanan [ingredients] para consistent.” Baba previously worked at Lifestyle Network of the ABS-CBN Cable Channels and Print Media Group before coming back to Cagayan de Oro and still works as marketing manager and photographer for their Studio 8 photographic services specializing in food photography. She admits catching the cooking bug a bit late when her parents lost their kusinera and her mom couldn’t cook because of an injury. “I wish I was older when Lola [Edith] was still around and cooking.” A silver lining in this current pandemic is that this home business was able to grow and adapt to the “now normal”. Business owners have ventured into new opportunities. Comfort Food has partnered with Ate Girl, a new enterprise of friend Angela Dayrit

Francis and Baba Manaloto, the Dynamic Duo behind Comfort Food CDO.

Kapampangan Sisig Babi. Fun fact: Babi is the Kapampangan word for pork or pig. The city government of Angeles, Pampanga, through its City Ordinance No 405, Series of 2017, declared Sizzling Sisig Babi (Pork Sisig) as an intangible heritage of Angeles. Bicol Express fun fact the chili is actually the main ingredient and the pork is like the panakot

Callos (Spanish Ox Tripe Stew) is a combination of different parts of beef and pork slow cooked into this hearty meal.

Kho which does deliveries, groceries, bills payments, and the like. “Wala mi gawas-gawas balay and we can fully operate with the help of their services.” Ate Girl also helps them do groceries online for her parents who have similarly confined themselves to their house nearby. For the time being, Baba and Francis still have no plans to expand their present menu, but will offer seasonal “off the menu” items such as guinamos and calamansi pie.

“Ang qualification namo sa ako bana dapat maka piyong pag kaon for it to be part of our menu,” Baba said, “Something that we both like gyud, hence the name [Comfort Food]. “That’s why pud di kaayo mi gadali daghan dishes e baligya.” Their latest menu addition (Pork Asado Macao Style) is a break for their initial heirloom recipes but made the grade after hurdling the couple’s ‘hugnes’ test. “Siya ang pinaka-bata di pa siya heirloom kay 2nd

gen pa lang, but it is truly a comfort food. When I made it pag tilaw sa akong bana naka hug gyud siya!” Comfort Food Kitchen CDO’s is based at J.V. Seriña St., Barangay Carmen and can be reached through their Instagram account https://www.instagram. com/comfort_food_ kitchen_cdo/, email address comfortfoodkitchen.cdo@ gmail.com, Messenger https://www.facebook. com/Comfort-FoodKitchen-106764217844695/ or call 0917 813 6393 from 10:00AM to 5:30PM.

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FRIDAY|JANUARY 15, 2021

Moreno: Careful planning in CDO's vaccine rollout T HE people of Cagayan de Oro need not fear that they will be left behind by other cities

in the vaccine rollout since their City Hall is 'on the ball' in mapping out the city's vaccination program,

The mayor reiterates his assurance during Wednesday noon's press briefing after disclosing that he had a conversation with (Court of Appeals Mindanao Executive) Justice Romy Borja who voiced his concern over the city's vaccine rollout program. (CIO)

EDUCATORS AS HEREOS By: MERLYN D. RANIDO Teacher II San Isidro Elementary School Kitaotao I District

Given a chance of being an educator is a destiny. As a well-rounded educator, we must be willing to undergo the price. Its an opportunity to share who we had learned. Since education is an integral part of this modern society, it is definitely calls for efficient teachers who can establish a good working relationship with the pupils and help them gain confidence. B eing part of the d e p a r t m e nt w h o h a s

been entrusted by the government to produce globally competitive citizen in the near future, we must influence our learners be setting ourselves as a good example. We strongly believe that the future of tomorrow's generation depend to a nation's good leader and law - abiding citizens. This would be the present time Let us be proud for being a part of the county's unsung hereos.

Online education

ALEXIS V. LAROSA Teacher II Alubijid National Comprehensive High School

AS online learning c ont i nu e s to g row i n s cop e and p opularity, more and more people are recognizing its extensive list of b enef its. From working while studying to being able to go at your own pace, taking online courses is the ultimate flexible option. Before you jump into a traditional four-year degree program, be sure to check out virtual options that may work better for your lifestyle. And now, educational professionals, students and enterprise users are b eginning to le verage modern technologies to revamp the way we teach and learn—all with the goal of improving the three Es of education: efficiency, effectiveness

and entertainment. These technologies look set to make the biggest impact in online education in the coming years. Fortunately, a number of platforms have appeared in recent years that work to connect students and teachers together based on their needs, experience and disciplines. Despite being a relatively recent innovation, on-demand tutoring platforms have already become a staple in the educational lives of tens of millions of students. Students now have access to a reservoir of knowledge previously unavailable even a decade ago, while tutors now have the freedom and flexibility to teach what they want, when they want.

Mayor Oscar Moreno said. "Ang gusto nako mahibaw-an sa (katawhan sa Cagayan

de Oro), ayaw kabalaka kay (I want to tell the people of Cagayan de Oro, don't be worried because) we in City Hall are very much on top of the ball. In fact our target and mission is maayo ang pagkaplano sa atong vaccine rollout sa dakbayan (to ensure the proper planning and implementation of our vaccine rollout in the city)," Moreno said. The mayor reiterated his assurance during Wednesday noon's press briefing after disclosing that he had a conversation with (Court of Appeals Mindanao Executive) Justice Romy Borja who voiced his concern over the city's vaccine rollout program. Acting City Health

Advantages of online learning JUPEY Q. RUPINTA Elem. School Teacher 2 Ozamiz City Central School

THERE are several problems with the t r a d it i on a l s y ste m of education. First of all, you need to pay thousands of pesos per semester to attend a prestigious school. With al l those budget cuts, busy classrooms and course shortages, you won’t always get the chance to study exactly what you want. It’s no wonder why millions of students from all around the world opt for online degree programs or take at least one college course through an online platform. Online learning has to be the greatest revolution in contemporary education. It made a huge change in the system and opened great opportunities

for everyone who wants to learn something. Nevertheless, online education is still related to stereotypes. People often think that online students are not smart enough for a traditional college or university. They are lazy and they don’t get “real” degrees. These claims discourage many people from taking online courses. In online learning, you can learn whatever you want. You can pick the program of your dreams in traditional education too but that involves traveling away from home, living in an completely unknown city and struggling in an extremely competitive learning environment.

Officer Dr. Lorraine Nery said a task force will be set up within this week to map out the details of the city's vaccination program. Moreno said he knows how important it is for the city's vaccination program to succeed not only for the people of Cagayan de Oro City but for neighboring local governments in Misamis Oriental and northern Mindanao. "Kung maayo atong pagplano (if our planning is good) our vaccine rollout program will be

replicated in the other parts of the region," Moreno said. In setting the example to Misamis Oriental province and the rest of Region 10, Moreno said the COVID-19 pandemic taught Kagay-anons not to be parochial and unsympathetic to the plight of their neighbors in northern Mindanao because what happens to them will also impact on the city. "Kinahanglan tinabangay ta tanan (We need to help each other)," the mayor added. (CIO/PIA10)

Kindergarten and pandemic ELSE A. SOBREMONTE Medina Central School Principal I North Poblacion, Medina, Misamis Oriental

SEVERAL factors affect a child’s readiness to start kindergarten, including emotional, social, physical, d e v e l opm e nt a l , h om e environments, preschool experience, and reading skills. Many families face financial challenges with this and thus elect to enroll their children in free kindergarten as soon as possible to alleviate financial concerns. Is the child able to do self-care things like buttoning, zipping, and other skills needed to use the restroom indep endently? Is the child ready to be away from home and engage in instructional activities within a classroom? Some kids have outgrown being home or in settings that focus on socialization. They need to be stimulated and expand learning.

Preexisting conditions that delay physical, e m o t i on a l or m e nt a l development may also factor into the decision to wait longer, although some may opt to enroll earlier for more access to early intervention programs. Does your child have the ability to sit in one place and take turns, strong language skills, an interest in books, sounds, and words, the maturity to engage with other children, the skills to manage their frustration, the body and postural strength to sit in a chair for extended periods of time, the ability to both get started on their own and to adapt to the demands of a group, the ability to hold a pencil and do beginning drawings, frustration tolerance and the ability to respond to structure and redirection “on-demand” with some cueing toward transitions?

LGU Tagoloan supports DepEd School Initiatives BY: CARNILA D.SIMACON PRINCIPAL-1 STA.ANA ELEMENTARY SCHOOL

The COVID-19 pandemic is a huge challenge to education system. Despite this seemingly phenomenon, the Local Government Unit of Tagoloan Misamis Oriental under the leadership of Mayor Gomer A. Sabio continuously supports DepEd programs and projects in the District of Tagoloan particularly in Sta.Ana Elementary School, headed by the School Principal, Dr. Carnila D. Simacon and the Public School District Supervisor, Dr. Nilda M. Mejos. In this paradigm shift of educating the learners in the new normal, DepEd implemented distance learning using various modalities to sustain and provide quality education despite of the challenges. Sta.Ana Elementary School implemented modular learning with printed self - learning modules. To cater the needs of the learners living in a far -flung areas, the school initiated the

project intitled “Ang Radyo at Aklat Mo, Kinabukasan ko!” This initiative aimed to provide offline radio - based lessons and contextualized reading books to the less fortunate learners in sitio Kilablab, Dinogon and Nasalaban, Sta.Ana, Tagoloan, Misamis Oriental. The school is fortunate to have dedicated and passionate local government officials who are supportive to the field of education. With the support of the Local Government Unit of Tagoloan, LGU provided the learners with radio speakers and individual flask drives where teachers saved their recorded radio- based lessons from the modules to ensure quality learning at home. Mayor Gomer A. Sabio also extended his support in reading literacy program of Sta.Ana Elementary School. With the strong collaboration of

DepEd and LGU Tagoloan ,Project GOMER : Goal of Mayor Enan in Reading has been implemented to improve and sustain the reading skills of the learners. To ensure that no learners should be left behind during this pandemic, LGU provided sitio kilablab, the farthest sitio with a para – teacher who served as their mentor in learning reading while staying at home. The assigned para-teacher currently implementing community - based learning sessions following the minimum standard of health protocols in a scheduled time. This partnership of stakeholders clearly proves that it takes a village to educate a child, a village to help build their dreams and a community to foster learning in this time of adversity. Indeed, working together surely contributes great success.

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FRIDAY|JANUARY 15, 2021

DOH-10 kicks off 2021 national deworming campaign

DOH-10 Regional Director Dr. Adriano Subaan demonstrates proper hand-washing and tooth hygiene. (DOH 10)

AGAYAN DE ORO CITY-While responding to the coronavirus disease (COVID)-19, the Department of Health (DOH)-10 has recently launched its annual National Deworming Month campaign to eliminate parasitic intestinal among minors aged 9-19 years old in Northern Mindanao. Launched at Barangay Macasandig here on Jan. 7, DOH-10 emphasized the importance of deworming to 20 children and their parents while giving deworming tablets.

FAMILY 'S COMPLEX ROLE IN THE SOCIETY CHERRY ANN B. PRESQUITO Teacher I San Isidro Elementary School Kitaotao, Bukidnon

A healthy family relationship is the foundation of a healthful living. it starts with a good a good relationships. It's a c ombi n at i on of ou r physical, mental and social aspects. The role of the family in the new normal society is not just how you Carry your outward self, but it is your inner self that counts most. It is within a role of the family to give importance about healthful living because I affects the physical, social,

and mental aspects of life. Having a healthy lifestyle is very beneficial to our society right now especially that there are many sickness and diseases affecting our country. As we start the new normal, we must see to it that we are capable of doing changes in our society. And we can only do that if we are responsible on our role in the family in this new normal society. it is all about the right decisions not only for your own benefit but for

other as well and he would you maintain a clean and healthful lifestyle. When we go out with friends our social aspect is develop. In school, when we read books and other reading m at e r i a l s o u r m e nt a l asp e c ts and re as oning powers are developed by goi to church and to stay physically fit. When times get rough and difficult, everybody looks up to family for love and support. The role of the family in this pandemic

is important because it is the main foundation and structure of the society itself. When there is no family it becomes ver y difficult for a person to live a new normal life. The family also teaches a b t h e i mp or t a n c e of knowledge, education and hard work and effort. It teaches us about enjoying ours elves, having f un, keeping fit and healthy. For the family is not an important thing but it is everything.

A Glimpse on Philippine Educational System By LOVE C. MANDAWE

Education in the Philippines has evolved from early settlers to the present. Philippine educational system has a very deep history from the past in which it has undergone several stages of development. The education during the preSpanish time in the Philippines was informal and unstructured. The fathers taught their sons how to look for food and other means of livelihood. The mothers taught their girls to do the household chores. This education basically prepared their children to become good husband and wives. The children were provided with vocational training and less academics by parents and houses of tribal tutors. Early Filipino ancestors valued education very much. Filipino men and women know how to read and write using their own native alphabet called alibata.. During the Spanish period, the education system of the Philippines was formal and “religion-centered”. The Religious congregations paved the way in establishing schools from the primary level to the tertiary level of education. The schools focused on the Christian Doctrines. There was a separate school for boys and girls. The wealthy Filipinos or the

Ilustrados were accommodated in the schools. Colonial education brought more non-beneficial effects to the Filipinos. Education was for the elite only. Teaching the Spanish language is compulsory. The educational system during the American period like the Spaniards, the Americans brought many changes in their 45 years of reign in the country. Until now, these American influences can still be seen in our lifestyle or way of life. The Commonwealth provided free education in public schools all over the country, in accordance with the 1935 constitution. Education also emphasized nationalism so the students were taught about the life of the Filipino heroes. Vocational education and some household activities like sewing, cooking, and farming were also given importance. Good manners and discipline were also taught to the students. The institute of Private Education was established in order to observe private schools. In 1941, the total number of students studying in the 400 private schools in the country reached 10,000. There was also the existence of "Adult Education" in order to give formal education even to adults.

The Filipinos view education as a primary avenue for upward social and economic mobility, thus they have a deep regard for education. From the onset of United States colonial rule, with its heavy emphasis on mass public education, Filipinos internalized the American ideal of a democratic society in which individuals could get ahead through attainment of a good education. Middle-class parents make tremendous sacrifices in order to provide secondary and higher education for their children. With the Republic Act 10931 – Universal Access to Quality Education Act signed by President Rodrigo R. Duterte on August 3, 2017 has resulted to a significant increase of enrollment of 112 state universities and colleges (SUCs) across the country. Eventually, several out of school learners have availed to the free tuition to graduate college. It has been a year now that the Philippine educational system, like any of the rest of the world that have been hit by a Pandemic (COVID 19), has underwent modular classes and blended learning to ensure quality education among learners without exposing them to virus contamination.

By VINCENT PHILIP S. BAUTISTA

DOH-10 Regional Director Dr. Adriano Subaan, Assistant Regional Director Dr. Ellenietta HMV Gamolo, and City Health Office (CHO) chief, Dr. Lorraine Neri and some representatives of the Department of Education (DepEd)-10 turned up in said activity. “We always urge parents to get their children dewormed and that the medicine is safe and effective ,as it is approved by the World Health Organization. If they experience any side-effects, it is natural as the tablet’s effect is to kill the parasites in the stomach,” DOH-10 Supervising Health Program Officer Maria Rachel Escatron said. Acknowledging that there are some parents and

guardians hesitant in getting their children dewormed or vaccinated, Escatron said they are doing community engagement to educate, eliminate anxieties, and correct misinformation, as he cited that interpersonal communication remains a key factor for the success of any health campaign. “To the parents who are worried of the adverse effects of our safe and effective tablets, they can take comfort in the fact that we have our nearest health centers to assist and give their children support,” she said. Through their OPLAN: Goodbye Bulate campaign. DOH-10 will provide free deworming tablets houseto-house in line with minimum health safety protocols. (VPSB/PIA10)

WOMEN NOW INCLUDED IN THE SEQUEL By: JOSELYN B. MINDORO

After four days of counting and contention, former Vice President Joe Biden was declared the winner of the 2020 presidential election. His running mate Senator Kamala Harris made history as the first woman, first black person, first South Asian American, and the first daughter of immigrants to be elected vice president of the United States. Even if I'm not a resident of their country, but as a woman, the news of Senator Kamala Harris being hailed as the Democratic vice president for Joe Biden brought me so much joy. After witnessing such a huge underrepresentation of wome n , e sp e c i a l ly women of color, in politics for countless years, Kamala Har r is w as my hop e, and many people's hope - especially the women - that America finally have someone to strongly represent the equality between genders and break the never-ending saga of racism. The 2020 American election, as how I viewed it, was more than just a war between the Democrats and t he R e publ i c ans . T h rou g h out t h e fou r years of President Trump’s p r e s i d e n c y, w o m e n , immigrants and minorities have been undermined, and many are fighting for their basic rights. Kamala Harris’ win was a statement to every minority, every immigrant and every woman who

had ever felt helpless or discriminated against. It would show the rest of the world that America’s period of racism, sexism and hatred was slowly coming to an end. Harris's win was so much more than a normal election win; it was a symbol and to millions of young girls across the American nation, and even in the Philippines. That the color of your skin, your ethnicity, your gender cannot hold you back from your dreams, whatever they may be. When Kamala Harris finally gets the chance to work in her official VP office, she won’t just be another vice president. She will be representing the hundreds of thousands of young girls who one day dream of serving in the highest office of America. America still has a long way to go before everyone learns to accept each other and become fully united, but Kamala Harris paved a way for people to get one step closer to it. As a parting note, there is this line on a song from the hit American musical called Hamilton that I was reminded of from Harris's win - "Imma compel him to include women in the sequel". This is a line which portrays the oppressed voices of women that wants to be heard. Now, women are included in the sequel, and Kamala Harris will be the voice of the women of this generation.

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Toledo City, Cebu 3rd district to benefit from Therma Visayas projects

ESIDENTS of Toledo City and the rest of Cebu province’s third district can look forward to a better year as projects launched by AboitizPower subsidiary Therma Visayas, Inc. (TVI) during the last quarter of 2020 go into full swing. TVI, in partnership with the Aboitiz Foundation, rolled out in November the Gulayan sa Barangay project in Barangay Bato, Toledo City, an initiative that aims to enhance the farming capabilities of the Sawod-Kaladman Farmers Association (SKFA). “We are very grateful for the help extended by Therma Visayas and Aboitiz Foundation. The project will enhance the production capabilities of the organization which are composed of farmers from Barangays Bato, Awihao, and Cabitoonan,” SKFA President Jean Hilo said. TVI will provide upgraded equipment and seeds to help maximize the association’s production of pinakbet

crops, comprising various vegetable ingredients in the dish such as eggplant, ampalaya, patola, and squash. A study conducted by the United Nations Food and Agriculture Organization (FAO) points out that addressing food security starts from the ground. The FAO notes that the Philippines recorded the most number of food-insecure people in Southeast Asia from 2017 to 2019, which means approximately 59 million Filipinos suffer from moderate to severe lack of consistent access to food. While the project helps to enhance the crop production of the farmers in Toledo, it also creates opportunities for entrepreneurship in the future along with other enterprise development projects TVI has planned for 2021 onward. TVI also recently turned over various welding tools, equipment, and materials to the Cebu Technological University (CTU) - Pinamungajan Campus in Brgy. Pandacan, Pinamungajan,

SOWING SEEDS FOR A BRIGHTER FUTURE. Representatives of the Sawod-Kaladman Farmers Association, Toledo City Agriculture Department, and Therma Visayas, Inc. inspect a farming system in Brgy. Bato, Toledo City prior to the turnover of farming equipment in November 2020.

midwest Cebu. Dr. Redjie Arcado, campus director, said the equipment will beef up the university’s capability to shape skills-oriented and industry-prepared graduates. According to Arcadio, welding is among the most in-demand study areas at the campus, with over 1,000 students taking it up, including those from

the industrial technology and technical-vocational programs. The CTUPinamungajan Campus is currently working on getting a Certificate of Program Compliance (COPC) from the Commission on Higher Education (CHED) and later with the Technical Education and Skills

Development Authority (TESDA), endeavors that this latest project can greatly support. TVI Deputy Plant Manager Noel Cabahug said the project aims to provide quality technical education to CTU students that come from different areas in Cebu’s third district, adding that “this will help graduates

of the university to gain an advantage in acquiring employment opportunities in different industries here and abroad.” House of Representatives Deputy Speaker Pablo John “PJ” Garcia, representing Cebu province’s third legislative district, praised AboitizPower, TVI and the Aboitiz Group’s initiatives and added that the organization has “always been a model corporate citizen not only here in Cebu, not only in Visayas, but all over the country.” "You do not only advance business, but you always try in any way you can to advance the communities that you have graced with your presence. We now feel what it is like to be in a community with Aboitiz here in Toledo, in Pinamungajan, and other neighboring municipalities," Garcia added. AboitizPower subsidiary Therma Visayas, Inc. is the operator of the 340-megawatt Toledo Baseload Power Plant THERMA/PAGE 10

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BAGO

Opol’s lone lawyer-councilor leads in local legislation measures By MARK FRANCISCO

OPOL’s only lawyerlegislator, Jay Bago, has been very active in advocating for the passage and eventual implementation of local ordinances in his hometown. Bago disclosed that as a privileged representative of Opol in the national Inter-Agency Task Force {IATF] against Covid 19, he has pushed for moderated penalties in the local level. He said that he has proposed and eventually acquired approval of lower penalties for Opolanons, considering the economic difficulties everyone is facing in this pandemic. Bago added that he helped craft ordinances

and an executive order for the nondiscrimination of frontliners, a localized liquor ban and a curfew and providing penalties for violators thereof. He said that there was no opposition to the then proposals although there were some delays as queries and comments had to be answered and heard. “Understandably, at the onset of the pandemic, there was confusion and apprehension but after discussions and consultations, I drafted an executive order that Mayor Maximino Seno eventually signed as a local ordinance,” said Bago.

their digital presence for their operations or marketing amid the pandemic, emphasizing the need to upscale the skills of the workforce to thrive under a new normal. She e nc ou r age d t he flourishing micro, small and medium enterprises (MSMEs) to register with the Department of Trade and Industry and Business Bureau. “There is really a need to reboot the economy, and the government is giving measures – to support the business sectors especially, the MSMEs, including the manufacturing sector – such as the Bayanihan Act and the work-from-home schemes or flexible working hours,” she said. Mindanao must be ready for the great reset in both the economy and the upcoming developments, according to her. “Davao and Mindanao economies need to recover the lost ground and momentum it had pre-COVID, and we need to double up the efforts, especially since 2021 is also a pre-election year,” she said. Monteverde added that Mindanao will “reboot, recharge, recover and have the great reset, as long as we don’t lose focus on giving importance to both the economy and the new wealth, which is our health.” DEED OF ADJUDICATION OF HEIR OF DECEASED GIDEON A. DE LEON KNOW ALL MEN BY THESE PRESENTS: That the late GIDEON A. DE LEON who died on November 11, 2017 at Apovel Subd., Bulua, Cagayan de Oro City, that said deceased left parcels of land with 1)Transfer Certificate of Title No. t-105205 situated in the Brgy. Of Carmen, City of Cagayan de Oro, Island of Mindanao, containing an area of SIXTY (60) SQ.M., more or less, 2) Transfer Certificate of Title No. 137-2013000984 situated in Cogon (now Camaman-an), Cagayan de Oro City containing an area of ONE HUNDRED (150) SQ.M., more or less, 3) Transfer Certificate of Title No. T-42409 situated in the District of Bulua, City of Cagayan de Oro, Island of Mindanao, containing an area of FOUR HUNDRED TWENTY SEVEN (427) Square Meters, more or less, 4) Transfer Certificate of Title No. T-104765 situated in the Barrio of Macasandig, City of Cagayan de Oro, Island of Mindanao, containing an area of SIX HUNDRED NINETY FIVE (695) Square Meters, more or less, 5) Transfer Certificate of Title No. T-64538 situated in the Barrio of Tablon, City of Cagayan de Oro, Island of Mindanao, containing an area of THREE HUNDRED (300) Square Meters, more or less, 6) Transfer Certificate of Title No. T-42409 situated in the Brgy. Of Carmen, City of Cagayan de Oro, Island of Mindanao, containing an area of SIXTY (60) Square Meters, more or less,7) Transfer Certificate of Title No. 1372016001989, situated in Lumbia, Cagayan de Oro, Island of Mindanao, containing an area of ONE HUNDRED FIFTY (150) Square Meters, more or less, 8) Transfer Certificate of Title No. T-129863 situated in the Barangay of Carmen, City of Cagayan de Oro, Island of Mindanao, containing an area of ONE HUNDRED TWENTY (120) Square Meters, more or less,and has been the subject of an DEED OF ADJUDICATION OF HEIR OF DECEASED GIDEON A. DE LEON, filed by the heirs of GIDEON A. DE LEON, per DOC #453; PAGE #91; BOOK #XXVII; Series of 2018, under the Notarial Registry of ATTY. JORGE G. MAGDAONG,JR. BWM: Jan. 15, 22 & 29, 2021

For his part, Mindanao Business Council president Vicente T. Lao said the government must improve logistics infrastructures that will benefit the agricultural sector as the world becomes more concerned about food security amid pandemic. “As the world becomes more and more concerned with food security, the agricultural based economy of Mindanao will benefit from it. The government has to improve our logistics inf rast r uc tures s o t hat goods being exported out of Mindanao will be cost effective and become globally competitive,” he said.

Routes...

from page 1 Guro, LTFRB-10 regional director, in an interview Wednesday. Guro pointed out that Secretary Arthur Tugade of t h e D e p a r t m e nt of Transportation (DOTr) has already instructed the LTFRB regional offices to coordinate with the local chief executives to allow buses to ply their usual routes, especially in the Zamboanga Peninsula, Cotabato, and General Santos City areas. The national government has placed most areas in Mindanao under the modified general community quarantine as the country is still battling the coronavirus pandemic. Guro said that although it is the discretion of local leaders to close their borders to inter-regional buses, the national inter-agency task force may intervene if it deems that the areas that are very strict in allowing buses' entry are economically suffering. “ T he re shou l d b e a balance. We have to reopen DEED OF EXTRAJUDICIAL PARTITION WITH DEED OF ABSOLUTE SALE OF PORTION OF LAND

these routes, but we must not also sacrifice the health of our people. Of course, minimal health standards must still be observed,” he said. These health standards include the compulsor y wearing of face mask and face shield, safe physical distancing, and disinfection. Meanwhile, the Yanson Group of Bus Companies (YGBC), whose fleet of buses have been plying the routes all over the country, said it welcomes the move of the LTFRB and DOTr to revitalize the inter-regional bus operations. “That’s what we are hoping for. We have been waiting for the LTFRB to reopen our usual routes. This has been the clamor of our passengers,” said Celer Estologa, YGBC media relations officer for Mindanao. The reopening of the routes would also mean that YGBC’s hundreds of employees, specifically its drivers and conductors, could now go back to work, he said. Estologa assured that YGBC has been compliant with the health protocols set by the IATF since the national government declared a state of public health emergency due to the coronavirus pandemic early last year. “Once our buses are allowed back on the road, we will implement even stricter health measures for the safety of the riding public,” he said. (PNA)

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(MinDA) Assistant Secretary Romeo M. Montenegro made the remarks Tuesday during a hearing at the House of Representatives, noting that improved connectivity will strengthen Mindanao’s position within BIMP-EAGA.

He was speaking before a Special Committee hearing on the East ASEAN Growth Area. “We have yet to establish direct flights in focus areas,” he said, noting that “roads, airports, and seaports” are needed to leverage opportunities within BIMPEAGA. Plans to add more direct flight and shipping routes from Mindanao had been scheduled last year, disrupted by the pandemic. “All of these have been sidetracked by the realities we currently face but definitely many of our traders and their counterparts from the three other countries view BIMPEAGA to be very important,” he said. He specifically requested that Congress pass a resolution calling for the establishment of more t ransp or t and telecommunications links between Taganak Island, Tawi-Tawi, and Malaysia. Some $21 billion worth of BIMP-EAGA projects are in the pipeline to 2025, aimed at improving connectivity between the partner states.

Therma... from page 9

lo c ate d i n Br g y. B ato, Toledo Cit y, Cebu. TVI is certified in three ISO standards namely, Quality Management (ISO 9001:2015), Environmental Management (I S O 14 0 01: 2 015), a nd Occupational Health and Safety Management (ISO 45001:2018). The facility is an 80-20 joint venture bet ween Aboit i z Power Corporation and Vivant, Corp. respectively. Together with Therma Luzon, Inc. and Therma South, Inc., the three primarily compose the Coal Business Unit of AboitizPower.

R.A 10172 NOTICE TO THE PUBLIC

KNOW ALL MEN BY THESE PRESENTS:

November 12,2020

T hat t he l at e C A T A L I N O BAUTISTA and SOLEDAD OROPESA-BAUTISTA who died on December 22, 1995, at Cavite City, Philippines and died on March 26, 2009 at San Diego, California, USA, the said deceased spouses left several properties including all improvements thereon if any, consisting of the following properties as follows with Property No. 1 Tax Declaration No. 0808000101998 sitauted at Poblacion, Salay, Misamis Oriental, containing an area of 227 sq.m, Property No. 2 Tax Declaration No. 0808000100939 sitauted at Poblacion, Salay, Misamis Oriental, containing an area of 1050 sq.m. per tax declaration and 747 sq.m. Per DENR V-37 Technical Description, Property No. 3 Tax Declaration No. 0808000100938 situated at Poblacion, Salay, Misamis Oriental, containing an area of 658 sq.m., 4) Technical Description Lot 669-B situated in the Barangay of Poblacion, Municipality of Salay, Province of Misamis Oriental, Island of Mindanao, containing an area of THREE HUNDRED (300) SQUARE METERS, more or less, 5) Technical Description Lot 669-A Emmanuel Ranises, situated in the Barangay of Poblacion, Municipality of Salay, Province of Misamis Oriental, Island of Mindanao, containing an area of THREE HUNDRED FIFTY EIGHT (358) SQUARE METERS, more or less, filed by the heirs of CATALINO BAUTISTA and SOLEDAD OROPESABAUTISTA, per DOC #133; PAGE#27; BOOK #XVI; Series of 2020 under the Notarial Regsitry of ATTY. ANNE MARGARETTE JUSTINE M. CRUZ.

Notice is hereby given that the Birth Certificate of MRS. SIMPANORAY APAK PACOL of Barangay Lumbac, Tugaya Lanao del Sur, is shown to be incorrect and corrected as in order from 15 february 1959 to December 15, 1959.

BWM: Jan. 15, 22 & 29, 2021

(SGD) Mr. AMER P. PACALNA Municipal Civil Registrar Tugaya, Lanao del Sur

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Sleep...

Floods...

of the United States, actually slept through his entire term of office! What a record and legacy! Sadly, some of us almost sleep through our entire lifetime. Not physically, of course. But we “sleepwalk through life” by simply going through the motions and routine of surviving from one day to the next. This is tragic since we are made to live a fully purposeful and passionate life that makes a difference in the world. Today, won’t you ask Jesus to take full charge of your life? He will give you your real purpose and passion He created you for, plus the power you need to daily live it. His way is the only way you will not have to “sleepwalk” through one more day of your life. Just think a minute . . .

Don Ruben in San Jose town. The PDRRMO also reported that 40 inbound passengers stranded due to the landslides were already fetched by their respective LGUs. The stranded passengers were also provided with food by the provincial government, the report added. “A fair weather condition is obser ved now in the province, however soils are still saturated and high-risk areas are still regulated for engagement. The Provincial DRRM Council still enjoins everyone to refrain from passing through critical road sections as some steep slopes are still moving. Prior to the demobilization of evacuees, all local DRRMCs are advised to initiate home area safety assessments,” the PDRRMO said. In Surigao City, a total of 78 families or 315 individuals from Barangay Sabang in Surigao City were evacuated on Jan. 12 due to floods. The affected families are sheltered temporarily at the Surigao City National High School, said Mayor Ernesto Matugas Jr., who visited the evacuation center Wednesday to assess the situation of the affected families. Matugas said the local government has provided the food and other needs of the evacuees. (PNA)

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in place. She also asked for a legislative mandate for power and communications firms to get rid of dangerous and unsightly cables and to lay them underground. The project is now ongoing starting with the main thoroughfares. Programs of the D e p a r t m e nt o f P u b l i c H i g hw a y s s h o u l d r u n parallel to her infrastructure programs. As Chairperson of HnP she wants dispersal of industries so as not to concentrate on opportunities and developments in Davao City alone. Thus, new bypass highways were opened to connect five provinces through Davao City. Meanwhile, a coastal boulevard is finally being const r uc te d to f ur t her ease traffic and to remove temporary settlers on the beach fronts. Housing units have been constructed and many more are in the works to be awarded to those affected. This includes those who are living in the river banks. Inday Sara wanted them out of the coastline and riverbanks as they are in constant threats from storm surge and flash floods. Her concern for the poor is the centerpiece of her programs. In times of need and calamities, she disregards political and geological barriers. During the recent devastating howlers that hit several provinces in Luzon, Mayor Inday Sara surreptitiously brought aid from Davao City government and from Davao-based civicminded individuals and firms and handed them over to local authorities. . No media coverage, unlike someone we know who brings more photographers than relief goods.

Sales... from page 3

percent. “It is noteworthy that the holiday season has contributed to the uptick in demand for auto sales in Decemb er amid the improving business and c onsu m e r c on f i d e n c e,” CAMPI president Rommel Gutierrez said in a statement. Meanwhile, Philippine market leaders in 2020 were Toyota, with 43.79 percent share of the market; Mitsubishi, with 18.32 percent market share; Nissan, with 11.54 percent market share; Suzuki, with 6.47 percent market share; and Ford, with 5.92 percent market share. (PNA)

Higher... from page 3

such as Iloilo, Davao, Cagayan de Oro, Bacolod, Dumaguete, and Bohol. Moving for ward, the company has 8,000 units in 15 residential projects,

worth P17 billion, which are scheduled in 2021. The projects will be located in Cebu, Ormoc, Bacolod, Iloilo, Cagayan de Oro, and Davao. According to CLI, the 15 new projects scheduled for this year will use properties in its current land bank and plans have already been drawn up for their respective developments. “We will launch the projects as soon as external factors allow and hope to further contribute to the shared goal of economic recovery,” Mr. Soberano said. Further, he said the company sees more opportunities in 2021, helped by low-interest rates and as local and global economies continue their recovery from the pandemic. “COVID-19 realigned spending priorities and stressed the importance of homeownership as a means of securing the future,” Mr. Soberano said. On Tuesday, CLI shares at the stock exchange rose 2.19% or 11 centavos to close at P5.14 apiece.

Bidding...

from page 3 include Area No. 1 Daklan Geothermal Project with 27 MW potential capacity, Area No. 2 Itogon (9 MW), Area No. 3 Puting Lupa (17 MW), Area No. 4 Maricaban Island (4 MW), and Area No. 5 Mt. Labo (30 MW). At the third OCSP kickoff, DOE Undersecretary Emmanuel Juaneza said the department continues to encourage and promote the exploration, development, and utilization of RE. “(DOE) Secretary (Alfonso) Cusi himself reiterated the commitment to promote our renewable energy, with the hope that in time, renewables will figure prominently in the country’s energy future,” Juaneza said. In October 2020, Cusi declared a moratorium on endorsing greenfield coal power project. Cusi said the new policy will maneuver the country to shift to a new, cleaner, and indigenous source of power. Meanwhile, interested bidders for the 22 predetermined areas may submit their bids until Feb.15, 2021. “ Ta r g e t c o n t r a c t awarding for non-Financial and Technical Assistance (Agreement) (FTAA) projects will be on April 14, 2021 while those covered by the

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FTAA will be endorsed to the Office of the President for approval by April 19, 2021,” DOE added. (PNA)

Recovering... from page 5

sur ve y to me asure t he “propensity of banks to modify the terms of the loan when borrower is facing financial stress due to unforeseen events like the COVID-19 pandemic and natural disasters.” It said 54.4% of the banks, mostly thrift banks, foreign banks, and rural and cooperative banks, estimated a restructured-loan ratio of 3% to more than 5% in the next two years, while 39%, mainly universal and commercial lenders, gave a range of less than 1% to 3%. The survey also found that 49% of the respondents expect their NPL coverage ratio to hit 25-50% while 44.3% gave an estimate of 51-100%. “In terms of products or services, the majority of the heads of banks mentioned that corporate and retail banking will be their top most priorities, followed by payments and settlement services, cross-selling, and trade financing,” the central bank said. It added the top two strategic priorities of the banking sector are to grow their businesses and maximize the growth potential offered by technology.

Review... from page 5

the prescribed standards in accounting. He cited the SSS that “recognizes as income all their collections”. “They do not set aside a reserve for future liabilities,” he added. In his speech, Dominguez said fiscal prudence, amidst the huge need to finance requirements for coronavirus disease 2019 (Covid-19) pro g r ams , a l l owe d t he government to continue incurring a deficit-to-GDP (gross domestic product) ratio that is within the median in Asia and the countries with similar credit ratings. “Despite the many populist excuses to blow up the deficit and bury future generations in debt, we chose to take the path of fiscal prudence. We did not abandon the judicious

fiscal management set by President (Rodrigo) Duterte when he assumed office, which got us in our strong financial position ahead of the crisis,” he said. Dominguez said emerging deficit spending for 2020 amounts to around P1.36 trillion, or about 7.5 percent of projected GDP which is between -8.5 to -9.5 percent. This is lower than the programmed deficit spending ceiling of P1.38 trillion, or about 7.6 percent of domestic output. “We have made sure that the size of our deficit still takes into consideration our adherence to long-term debt sustainability,” he added. The need for additional funds for pandemic-related programs made economic m an age rs i nc re a s e t he borrowing program to P3 trillion for 2020, nearly double compared to prepandemic requirements. Dominguez said the government raised around P2.63 trillion last year. He said P1.91 trillion, or about 73 percent of these funds, were raised from domestic fund sources, while the balance of P721.1 billion came from development partners and the global bond market. “We have set out a clear strategy for financing our def icit. We pr ior it ize d domestic borrowings followed by official development assistance and the international capital markets. We determined this plan as the most prudent approach, ensuring sustainability in our debt service,” he added. (PNA)

PayMaya... from page 12

for digital payment acceptance and also to help disburse financial aid to qualified beneficiaries in their areas, particularly during the start of the enhanced community

quarantine. These are all in support of the "Ease of Doing Business and Efficient Government Services Delivery Act of 2018" and the Anti-Red Tape Act which seek to help streamline and provide better access to government services through the use of digital and cashless technologies. Getting PayMaya and paying for government fees using the app is very easy. Just download the PayMaya app at https://official.paymaya.com/ CAK1/425eb133 and register an account, to find out what it's like to go cashless with the fastest, safest, and most rewarding way to pay! PayMaya is the only endto-end digital payments ecosystem enabler in t he Phi lippines w it h plat for ms a nd ser v ices that cut across consumers, merchants, communities, and government. Through its enterprise business, it is the largest digital payments processor for key industries in the country including "everyday" merchants such as the largest retail, food, gas, and eCommerce merchants as well as government agencies and units. Through its app and wallet, PayMaya provides over 28 million Filipinos with access to f inancial ser vices. Customers can conveniently pay, add money, cash out or remit through its over 20 0,0 0 0 digita l touchpoints nationwide. Its Smart Padala by PayMaya net work of over 33,0 0 0 partner agent touchpoints nationwide serves as lastmile digital financial hubs in communities, providing the unbanked and underserved w it h a c c e s s t o d i g it a l ser vices. To k now more about PayMaya's products and services, visit w w w. PayMaya.com or fol low @PayMayaOf f icia l on Facebook, Tw it ter, a nd Instagram.

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IN-DEPTH

Friday|January 15, 2021

PayMaya powers cashless payments at PSA for civil registry documents F ILIPINOS looking to secure civil registry documents from the Philippine Statistics Authority (PSA) can now pay conveniently for their transactions as digital financial services leader, PayMaya, equips the agency with QR payments. Beginning at the Civil Registration System (CRS) Central Outlet at East Avenue, Quezon City, PSA is now offering PayMaya QR as a safe and contactless payment method for its clients to secure civil registry documents such as birth, death, and marriage certificates, among others. To pay for their documents, they only need to scan the PayMaya QR displayed at designated payment windows in the PSA CRS Central Outlet using the PayMaya app on their phones. PSA

said it will offer the same convenient contactless payment facility from PayMaya in their other PSA CRS Outlets nationwide. "With the availability of PayMaya QR as a payment method initially at the PSA CRS Central Outlet, there is now a faster and safer way for Filipinos to pay for their needed documents. This is especially critical at this time as we work to make our services more available to the public in a safer manner through contactless payments. We look forward to offering this service to more outlets nationwide soon," said PSA Undersecretary Dennis S. Mapa, Ph.D, National Statistician and Civil Registrar General. Soon, PayMaya will also be available as a payment method in the online channels of PSA,

allowing account holders to pay for civil registry documents using only their mobile numbers linked to their PayMaya accounts. PayMaya is also enabling PSA to accept any credit, debit, and prepaid card for online transactions. "We are excited to work with PSA in offering a seamless and contactless payment experience at their CRS Outlets. This will not only help improve their services but will also encourage Filipinos to access safer and more convenient digital financial services," added PayMaya Founder and CEO Orlando Vea. Enabling digitalization of government PayMaya closed out 2020 with over 60 government partners both in the national and local levels, enabling their initiatives to

digitally accept payments or disburse financial aid to their respective constituents. This is in line with its support to the government's thrust for faster, safer, and more efficient public service through digital and cashless transactions. Businesses, for example, can easily pay for fees with the Bureau of Internal Revenue (BIR), the Department of Trade and Industry (DTI), the Securities and Exchange Commission (SEC), the Social Security System (SSS), and the PAG-IBIG Fund, among others, using their PayMaya accounts or via card payments. Local government units such as the cities of Manila, Pasig, Mandaluyong, Caloocan, Quezon City, and Las Pinas, among others, have likewise tapped PayMaya PAYMAYA/PAGE 11

FASTER, SAFER PROCESSING OF CIVIL REGISTRY DOCUMENTS. PayMaya is helping the Philippine Statistics Authority offer a safer and more convenient way to pay for civil registry documents at its head office in Quezon City through PayMaya QR, which allows Filipinos to simply scan a QR code at the counter to pay for PSA fees. In photo is PSA Undersecretary Dennis S. Mapa, Ph.D, National Statistician and Civil Registrar General, paying for his documents using his PayMaya app.