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BusinessWeek MINDANAO THE BUSINESSMEN’S NEWSPAPER

2013 ppi’S Best in Business and Economic Reporting

Volume V, No. 90

Market Indicators

As of 6:23 pm jan. 15, 2015 (thursday)

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Livelihood MARAWI City -- Four cooperatives in the province has received farm and livelihood equipment from the Payapa at Masaganang Pamayanan (PAMANA) project of the Autonomous Region in Muslim Mindanao (ARMM). The equipment, which included four units of 6-wheeler hauler trucks and 35 units of sewing machines, were awarded to the respective cooperatives of four Moro National Liberation Front (MNLF) communities in the province on January 9. The beneficiaries included the Darussalam Producer Cooperative of barangay Manalucon Talub in Masiu town; Unified Farmers Multi-purpose Cooperative, Inc. of barangay Cabasaran, Madamba town; and, in the town of Bayang, the Padang Karbala Farmers and Marketing Cooperative Inc. of Barangay Rantian and RSSRC Agricultural Multipurpose Cooperative, Inc. of barangay Pandapatan Bayang.

Scholarship OROQUIETA City – Free tuition in public schools/colleges where the Sangguniang Kabataan (SK) officials are enrolled, during their term of office. This is only one of the privileges of the SK officials who will be elected on February 21, 2015, Sanivier G. Patoc, provincial director of the Department of Interior and Local Government (DIlG) of Misamis Occidental, said. As cited in the Local Government Code of the Philippines (LGCP), the national government will take charge in paying the tuition fees of the SK officials, as long as the school/college where they are enrolled is located in the barangay or near the place where they are elected. Meanwhile, Patoc said the LGCP prescribes that each barangay will elect seven SK kagawads and one Chairperson at large, who in turn, will appoint, with the concurrence of the other SK officials, the Secretary and Treasurer of the SK.

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Pope arrives, welcomed by 76M Pinoy Catholics P

OPE Francis arrived yesterday on a cloudy afternoon in the Philippines, beginning a five-day trip that is tipped to attract a world-record papal crowd in the Catholic Church’s passionate and chaotic Asian heartland.

Pope Francis waves as he emerged from on the tarmac at Villamor Air Base.

His Sri Lankan Airlines plane touched down at 5:31 p.m. on runway 06/24 and taxied to the tarmac at Villamor Air Base, a military airport at least 22 kilometers away from the Apostolic Nunciature in Manila where he will be billeted for the entire 5-day pastoral and state visit. Mired in poverty and plagued by disasters, natural and political, millions of Filipino devotees welcomed

the Holy Father, pinning their hope on the Argentinian pontiff, who chose to be called after St. Francis of Assisi because the latter “was a man of peace, a man of poverty, a man who loved and protected creation.” From Sri Lanka, the papal plane landed on Villamor Airbase in Pasay City where the pontiff will be welcomed by children led by orphans 10-year-old Mark Angelo pope/PAGE 6

‘Selfie’ photo with a replica of Pope Francis turns gaga By ERCEL MAANDIG, PNA

THOUSANDS of people in t his s e ap or t c apit a l are expected to flock to a university chapel here as Pope Francis arrived in the country Thursday afternoon. The people have been c o m i n g t o t h e X av i e r University Chapel to take “selfie” photos by the side of Pope Francis miniature installed at the chapel’s entrance, Erwin Pimentel, a university worker, said. He said that the staff of the university chapel made the selfie/PAGE 6

YOUTH FOR SOLIDARITY. Youth from the Roman Catholic Archdiocese of Cagayan de Oro and Iglesia Filipina Independiente (IFI) release white balloons at Divisoria kiosk yesterday (right photo) as soon as Pope Francis touches down in Manila. Although a breakaway group of the Catholic Church, IFI is expressing its solidarity in time with the Pontiff’s visit to the Philippines. photos by genevieve cantor and mark francisco

No truth to the rumor:

CDO business renewals, registrations and collections all up for 2014 By MIKE BAÑOS, Editor-at-Large

THERE’S no truth to the talk that local businessmen are pulling up their stakes and moving elsewhere due to the

alleged cost of doing business in Cagayan de Oro City. “ T hat is not w hat’s happening. In fact in 2013,

we even had an increase of registered businesses in Cagayan de Oro,” said Eileen E. San Juan, local economic investment promotions rumor/PAGE 6

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Economy

Feature:

Pantawid Pamilya gains success in pottery through DSWD’s livelihood program MISAMIS Occidental -Violeta Gimena of Biasong, Lopez Jaena, this province, always makes sure to involve he r w hol e f am i ly w it h pottery making, a common business in her community. Realizing the rich supply of clay soil in her

village, Violeta, a Pantawid Pamilyang Pilipino Program beneficiary, set up a small pottery shop. But, Violeta only earned a minimal income since she cannot cope with the increasing demand of potter y products in the

neighboring provinces of Misamis Occidental. Vi o l e t a’s d r e a m o f expanding her business was answered when the Department of S ocial Welfare and Development (DSWD) introduced the Su st ai n abl e L ive l i h o o d Program (SLP) to her in April 2012, along with other 105 Pantawid Pamilya family beneficiaries in her fishing village. Pant aw i d Pam i ly ang Pilipino Program is a human invest ment prog ram of DSWD that invests in the education and health of poor families, particularly of children aged 0-18 years old. On the other hand, the SLP is

the Department’s livelihood intervention that aids poor families by incapacitating them to become financially and economically stable. Wit h t he P 1 0 , 0 0 0 additional capital, Violeta with her husband Arthur and three children ventured to expand their market in Lanao del Norte and in the neighboring islands of Siquijor and Bohol. To meet the increasing demands of supply, Violeta hired three workers. “With my business, the future of my children is secured,” Violeta disclosed, adding that, “the price of success is dedication, feature/PAGE 7

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Four officials take up new positions in ARMM MARAWI City -- Four officials take up new positions in the Autonomous Region in Muslim Mindanao (ARMM) starting this month as result of career movements in the regional bureaucracy. Lawyer Laisa Alamia, ARMM executive secretary, administered the official installation of Secretary Amihilda Sangcopan of the Department of Agrarian Reform, Deputy Executive Secretary John Louie Balagot and Rasol Mitmug Jr., chief of staff of the regional governor’s office, on Monday, January 12, at the Office of the Bangsamoro People in Cotabato City. Alamia had earlier installed t he ne w a d m i n ist r ator of ARMM’s Cooperative Development Authority – Dimnatang Radia.

She said the movement in the cabinet is not a revamp, but the result of the career transfers of some of the region’s officials. Ab du lrashid L ad ayo Sr., former CDA-ARMM administrator, has accepted a promotion at the National Food Authority 12 office, while the former officerin-charge of DAR-ARMM, Macmillan Lucman, has been appointed as provincial director of the Department o f Int e r i o r a n d L o c a l Government - Lanao del Sur. Alamia said the newly installed officials are expected to continue the reform initiatives of their predecessors and contribute to the preparation for a smooth transition to the Bangsamoro government. She also urged employees to give their full support and cooperation. Meanwhile, the newly installed officials vow to give their best performance and help in the transformation of ARMM into a working government. S angc op an s ai d h e r goal is to strengthen the governance performance of DAR-ARMM and prepare it for the transition. She said her first job in the government was at the agrarian department. armm/PAGE 7

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CorporateWorld

friday|JANUARY 16, 2015

Morris cuts 640 Universal Robina to beef up Philip jobs as it restructures production across Asia domestic operations THE Gokongwei-led maker of C2 tea drink and Jack ‘N Jill snack food is hiking its capital expenditure for its current fiscal year after earnings grew by doubledigits in 2014. In a disclosure to the Philippine Stock Exchange, Universal Robina Corp (URC) said its capital spending will

Cebu Pacific to contest penalty CEBU Pacific is not about to take the blame for the chaos created by last Christmas season’s flight delays and cancellations sitting down. “We have received CAB Resolution No.4 (BM 01-0112-2015), and are currently in the process of reviewing the document, and its attendant legal ramifications. We note that there may be some matters of fact requiring clarification, and are evaluating all our options accordingly,” the Gokongwei-led airline said in a statement. Last Monday, the Civil Aeronautics Board fined Cebu Pacific in the amount of P52.211 million after finding the budget airline l i abl e for “op e r at i on a l lapses and mishandling of passengers” at the Ninoy Aquino International Airport Terminal 3 (NAIA3) during the Christmas rush. CAB also required Cebu Pacific to establish and maintain appropriate service standards for all its personnel, organic and outsourced, especially those manning the check-in counters. According to data that Cebu Pacific submitted to the panel last December 29, the company had a total of 20 cancelled flights and 288 delayed flights at the NAIA3 from December 24 to 26.

reach P9 billion in the fiscal year ending September 2015, a 16.9 percent increase from last year’s P7.697 billion. About P6.5 billion of the capex will be earmarked for new lines to expand capacities in URC’s Philippine snack foods and beverage businesses, new lines for its Vietnam beverage, snacks

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and candy production; and expansion of its Thailand and Indonesia wafer and snack lines. URC will allocate P2 billion for the commodity foods group to complete a power cogeneration plant, construction of a flour plant, and for maintenance. The remaining P500

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DAILY SUCCESS By Sylvio C. Carciller, Ph,D.

Life is a journey and full of mystery. Every day is a mission that we need to accomplish. In dealing with our daily routines, here are some ways for us to achieve daily sweet success: • Say a prayer. Giving thanks to Almighty God for the gift of life and asking for strength and protection will be a very good starting point. • Do your task. We have our own careers in life. Do your best in every task you have. Perform your duty with punctuality, honesty and integrity. It is much fulfilling if you are productive every day. • Spend time with family and friends. Having so much attention with our career we forget to spend time with the people around us. Spending time with friends and loved ones doesn’t require 24 hours. Chatting with friends, dinner or exchanging

stor ies and j okes are some ways to remove all your stress and make you healthier. • Evaluate your day. Before the day ends, think and reflect on what have you done in the entire day. Are you satisfied? Are you stress or happy? Evaluate if you missed something and if you have, then, try to plan your next day to improve your daily routine. • Say Thank you! You start your day with a prayer and the best way to end it is through prayer too. Thank the Lord for helping you in your mission. Pray for your health, career, friends and loved ones. To pray is for free. Just ask and you will be given. Our success lies on how we deal with life. We must not forget to appreciate every task we have completed. Life is a gift and we need to enjoy it!

million will be allotted for t he agro-industrial group, consisting of farm improvements and handling facilities for the feeds division. URC earned P11.559 billion in the fiscal year ending September 2014, a 15.1 percent increase from the P10.045 billion in the previous year. This was an improvement from the 1.3 percent uptick in earnings during the ninemonth period of its 2014 fiscal year after foreign exchange losses weighed on the company. By yearend, URC posted a net forex gain of P73 million, reversing a net forex loss of P157 million reported in fiscal 2013. Consolidated sale of goods and services climbed 14.1 percent to P92.38 billion from the previous year’s P80.995 billion, anchored on the strength of the branded production/PAGE 7

THE PHILIPPINE affiliate of Philip Morris International, Inc. said on Tuesday it would cut 640 jobs, or nearly 13% of its work force in the country, as it restructures cigarette manufacturing operations at its Marikina plant in Metro Manila. The plant, which employs 1,640 workers in all, will see its work force reduced to 1,000 once the job cuts take effect on Feb. 15, said a company source who did not wish to be identified. The Philippine affiliate PMFTC, Inc., a joint venture between Philip Morris and unlisted Fortune Tobacco Corp. of Philippine tycoon Lucio Tan, employed around 5,000 people in the country prior to the proposed layoffs, with the remaining workers located at another plant in Tanauan City in Batangas province, south of the capital Manila, and at regional sales

offices. “This was a very difficult decision to make but in order to maintain a viable operation and to safeguard the future of our business in Marikina, it was necessary to take this step,” PMFTC, Inc. President Paul Riley said in a statement. The affected employees would be given “ver y g e n e r o u s” s e p a r a t i o n packages, well in excess of the legal requirements, Mr. Riley said. He said PMFTC would “continue to offer highly comp etitive salar y and c ond it i ons for a l l ou r employees, as a committed long-term investor, employer and major taxpayer in the Philippines.” Production volume at the Marikina plant had declined by over 30% since 2012 as a result of illicit cigarette trading and higher tobacco cuts/PAGE 7

SM MALLS TO LIVE STREAM PAPAL MASS In support for the Catholic community and as a form of public service, SM malls will live stream the Papal Mass on Sunday, January 18, 3PM-6PM. Pope Francis will be celebrating the Holy Mass at the Quirino Grandstand in Luneta Park where millions of devotees are expected to attend. In partnership with ABS-CBN, wide screens will be set up at the Annex Event Center of SM City Davao, the Atrium of SM City Cagayan de Oro, the Event Center of SM City General Santos and the SMX Convention Center Function Room 3 of SM Lanang Premier. Admission to the live stream venues is free. On Friday, January 16, 5pm, SM Cinemas will also live stream the events at the Mall of Asia Arena for the “Encounter with Families,” where the Pope is expected to meet and greet select families from different parts of the country. Venues are at SM City Davao Cinema 5 and SM Lanang Premier Cinema 6. Tickets are to be distributed by the local Diocese.

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Do You Have Connections?

hink a minute…A cartoon showed a thief wearing a mask and pointing his gun at a frightened woman. He yelled at her: “Give me your valuables!” The woman in the cartoon grabbed her FRIENDS, and started putting them into the bag. Clearly, the person who drew that cartoon understands the value of friendships. For you and I to have success and happiness, we must have close connections with other people. Everybody needs somebody. There are few things as lonely and sad as going through a painful experience all alone. One wise man said: “Friendships are the food of life. To love and be loved is the greatest success and happiness there is.” Robert Louis Stevenson stated: “No person is a failure, if he has a friend.” And one guy said, “A major goal in my life is to end up with eight friends who are willing to carry my casket.” At the end of our life, it’s not how much money we have that shows our worth, but the number of close friends we still have. Not only should our friendships be close and caring connections, they should be constructive connections: friends who build you up, instead of pull you down. We can’t choose our relatives, but we can choose our friends. So choose your friends carefully. They will either make you or break you! Make sure your good friends are good people—who

THINK

A Minute

By Jhan Tiafau Hurst

make you a better person. And remember, friends are not just a way to get what we need, they ARE what we need! If all you need friends for is to use them to get something else, then that’s all you’ll end up with: something else and no friends. God gave us things to use, and people to love and enjoy. So do you have connections—true friends who care? It starts with the best friend you’ll ever have. He loves you so much He gave His life to share it with you. But the only way you can enjoy His peace and prosperity is to become His close friend. Today you can get connected to Jesus Christ and start enjoying His friendship and good life. Just ask Him to forgive you, and to take charge of your heart everyday. He’ll not only give you happier friendships and better connections, but He’ll make you a better friend to others. Just Think a Minute…

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The Hard Dreamer

eries of images or thoughts in the mind of a person asleep - the idle fancy, the vision, the aspiration, the yearnings... they are dreams that have interested, puzzled and frightened people for thousands of years. All kinds of strange explanations have been written about dreams. Interpreters of dreams have published innumerable books. I bought some of those books. I caught myself reading them and trying to analyse my dreams, resulting in my becoming unsure and sometimes really undecided about the many different explanations regarding the same dream’s meaning. At one time, people thought that the figures appearing in dreams were messengers from the Gods. It was generally believed that dreams came from something

outside the a person’s special skills. Do you believe this? Today it is believed that the dreamer himself creates dreams; and, because dreams are something a person creates, they may have special meaning for the dreamer. Just why should one have a dream when one may depend on many things. Your health may have an affect on your dreams. A person, who is ill or feeling uncomfortable will have different kinds of dreams than that of a person, who is doing good and who is happy. If a person is hungry, or feels cold, or very tired - his dreams may include those feelings. Also the vents o the ay before may have a lot to do with what people dreams about. Often, the persons or situations in a dream are those in our life. Or your

emotions may make you have the kind of dream you have. Needing or wanting something may be expressing a dream, and being frightened may become part of a dream. I dream a lot. I am always wondering about myself. I am still dreaming of a better world, yes, it’s blue eyed, but these are my dreams. No ignorance and no arrogance, a world with real friends, who don’t turn back if we need them; a world with people who will stop killing each other because of stupid and incomprehensible reasons; a world with people who will stop hurting and insulting each other because of envy. I also dream, Filipinos will not always talk about an inchoate nation still in the process of becoming. Dreams are foams? Maybe. Maybe not. Confucius said

H ave M y Say

By Klaus Doring

long time ago: “The one who steals our dreams brings us to death!” PWEDE! Let’s dream hard and, let’s work harder! +++ Email: doringklaus@gmail. com or follow me in Facebook or Twitter or visitwww. germanexpatinthephilippines.blogspot.com or www. klausdoringsclassicalmusic. blogspot.com .

What should Francis’ message be to Pinoys?

IFE’S INSPIRATIONS: “…`Be strong and very courageous. Be careful to obey all the law my servant Moses gave you; do not turn from it to the right or to the left, that you may be successful wherever you go’…” (Joshua 1:7, the Holy Bible). -ooo WHAT SHOULD BE THE MESSAGE OF FRANCIS TO FILIPINOS? What do I want Pope Francis to tell the millions and millions of Filipinos who have remained Roman Catholics during all these times, in his five-dayJanuary 15-19, 2015-visit to the Philippines, the predominantly Catholic nation in Asia? Many things, of course, but, if I could give an unsolicited advice to him, I will ask Francis to tell Filipino Catholics, and perhaps even other Filipino Christians who are not Catholics, only one important thing: for them

to read the Bible everyday, meditate on it day and night, and to carefully obey everything that is written in it. That message is not mine, and, as Francis will immediately realize, would not even be a message from Catholics alone. It is a message for all believers from the Bible itself, and, although there are many chapters and verses which expound on the same instruction, the exact source of that message is Joshua 1:8, in the Old Testament. -ooo FILIPINOS SHOULD READ, STUDY, AND OBEY, THE BIBLE: Here is what Joshua 1:8 says in its entirety: “Do not forget to read the Book of the Law. Meditate on it day and night. And be careful to obey everything that is written in it. For then, you shall become prosperous and successful.” Undeniably, as a nation who believes in God and

who adheres to the Christian faith, Filipinos must be made to understand that it is only by reading the Bible that they could strengthen their faith in accordance with what God Himself directs. While Filipino believers can rely on their leaders for spiritual enlightenment, it makes a lot of difference if they themselves would read the Bible everyday, study and think about it day and night, and, acting on what they have read and studies, carefully obey God’s instructions. -ooo POPE TO FILIPINOS: R E A D YOU R B I B L E S : For it is in obeying God’s instructions in the Bible that a believer becomes entitled to blessings from God. This is what Jesus, our God and Savior, said in Matthew 7:21: not all who calls on, or prays to, God will be saved and enter heaven, as only those who do the will of the Father in heaven will be heard in

K akampi

Mo A ng Batas

By Atty. Batas Mauricio

their prayers and would be saved and enter eternal life in Paradise. Where then can we find the will of the Father? It is only in His Bible. 2 Timothy 3:16 says all Scripture (the Bible) is inspired by God, even while they have been written by men. Then, Hebrews 4:12 reminds all of us that the Word of God (again, the Bible) is living and active and is sharper than any double-edged sword. batas/PAGE 7

Love the constant and final criterion

ow that we are beginning a new year, it’s good to be reminded that love, and not just any other value, no matter how legitimate and useful, should be the constant and final criterion to see if we are living our life well or not. This is what is proper to us, given our dignity as persons and children of God. We have been created out of love and for love. Our common vocation, for which we have been designed physically, emotionally, mentally, socially, etc., is to love and to enter into communion with God and with one another. Love is also the reason why God has to redeem us, sending his Son to us by becoming man and showing us the way how to love, given our weakened and wounded

condition due to sin. It would be good that at the end of the day, as we review how the way went, we can clearly say that we have been motivated by love in all our thoughts, words and deeds, and that in fact we can notice a growth of it. How wonderful it would be if that is the case! T h is shou l d b e ou r mindset all the time. If for one reason or another we deviate from that plan, let us rectify ourselves immediately. Yes, there are many elements that can undermine it and betray what we ought to be and to do. We have to contend with our weaknesses, the false allurements of the world and the tricks of the devil. We have to be quick to expose them and to do battle with them.

But we have to understand that we can only love as we ought if we are vitally united with God. He is love by essence. He is the source and pattern of love. He is the end and goal of love. There is no other. We have to be wary when our love does not start and end with him, when it’s not patterned after his love. This divine love has been shown to us in full in Christ who offered his life on the cross for us. “No one has greater love,” Christ says, “than he who offers his life for his friend.” We need to see to it that we understand love not simply as a matter of what is pleasurable and gratifying to our senses and feelings. Neither can it be something that gives us only convenience, power,

HINTS

and

Traces

By Fr. Roy Cimagala

fame, wealth. These may be legitimate, but they cannot be the main source or motor for love. Love has to be first of all a matter of faith that is acted on more by our intelligence and will that are under the influence of grace, than of the blind impulses of our senses and feelings. cimagala/PAGE 7

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BSP mints special coins for Papal visit THE BANGKO Sentral ng Pilipinas (BSP) on Wednesday launched commemorative coins to mark the visit of Pope Francis in the country. “The Bangko Sentral ng Pilipinas is issuing limited

edition P50 and P500 Papal coins... to commemorate the state visit of Pope Francis,” Central bank deputy governor Diwa C. Guinigundo said in a press conference. “Both coins are legal

BSP unveils incentives to lure lenders to set up shop in ‘unbanked’ areas THE Bangko Sentral ng Pilipinas (BSP) is waiving all fees for the establishment of banks in areas where no lender operates. In a statement, the BSP said the Monetary Board approve d an i n c e nt ive program for lenders wishing to put up micro-banking offices (MBOs) in so-called ‘unbanked’ areas.

MBOs refer to scaleddown banks that perform basic functions, such as deposit-taking and lending -- from microfinance to educational, health and emergency loans. The incentives include a waiver on processing fees and leeway in widening the scope of activities and services that unveils/PAGE 7

Security Bank gets BSP okay of partnership with Hong Kong life insurer THE Bangko Sentral ng Pilipinas (BSP) has approved the partnership of Security Bank Corp and Hong Kongbased Pacific Century Group’s insurance arm. In a disclosure to the Philippine Stock Exchange, Security Bank said it received the approval of the central

tender and will be sold for P100 [for the P50 coin] and P1,000 [for the P500 coin] to recover the costs [of minting them],” Mr. Guinigundo said. “The P50 coin was made of nickel brass, while the P500 coin was made of nordic gold with gold plating,” he added. The commemorative coins were created under a licensing agreement with the Vatican City, the central bank official noted. The coins feature, on the obverse side, the Pope Francis’ image and signature and the markings “Republika ng Pilipinas”, the year 2015, and the BSP mint mark. On the reverse side, the

coins feature the BSP seal and the markings “Papal Visit/Philippines”, his date and logo of visit, “Mercy and compassion.” Mr. Guinigundo said there will be 10,000 pieces of the P50 commemorative coin and 5,000 pieces of the P500 commemorative coin will be available for circulation. The leader of the Roman Catholic Church and the Vatican City will be in the Philippines from Jan. 15-19. Pope Francis is scheduled to meet President Benigno S.C. Aquino III, leaders of various religious groups, and survivors of super-typhoon Yolanda during his visit.

THE CENTRAL BANK has launched limited edition commemorative coins in P50 and P500 denominations for Pope’s visit.

GAME OF THE GENERALS “THE SIEGE” in cooperation with PhilGGo (Philippine Game of the Generals Organization)

bank on the lender’s request for the authority to crosssell FWD Life Insurance Corp’s products through a bancassurance arrangement. Security Bank sealed an exclusive partnership with FWD Life last October, allowing the regional insurer bsp/PAGE 7

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Every Child is a Reflection By Jocelyn S. Samuya SST-III,Salawagan NHS

I made it! As I alighted from the Motorola I happened to catch the bus leaving cdo at 5:45 pm.I was delighted to the fact that I could reach home earlier this time. It was the lightest ride since my schooling at CU.Despite of my routinely tasks as teacher waiting for me and various requirements I kept myself cool and still. True enough I was a sleeping child that night .Yet, awakened by noise……mais, mani, itlog, mineral, te!!!!! They were school boys and girls selling mais, mani, etc. at a certain eatery at kisolon where the bus stopped for supper. It was then I remembered the discussions on performance indicators. I thought to myself; this is the real scenario that speaks about crisis in Phil. Education. The educational system of our country faces a challenge of long time ago. It is a fact that until now , our performance indicators disclose high drop-out rates, poor performance in both national and international achievement tests, reading disabilities, functional literacy of students even graduates, language prof icienc y, technical skills among our Filipino workers that make them uncompetitive globally. Sad to note that regardless of educational reforms, it can’t change for the better. This came across unto my mind that I was a little bit jolted as to the question that the poor performance of the system is a reflection of poor governance and leadership to the school where policies be implemented for learning outcomes. Who else is mandated as front liner? Yes, the school head; and, his authority, accountability and responsibility to perform its mandate for the attainment of educational goals. This is such a defying gravity for me. What I have in mind now that the system is hard wall to break. Nonetheless I could make a difference to my school if I would become an administrator for I think what the system needs principals who know how to manage resources and schools. I would like to share the article about challenges on Phil. Education of which how important organization is and how it should be governed. How do they function and operate? How do they do their job? Peter Drucker addresses three aspects of organization in answering these questions: goals, management, and individual performance. 1. Ends: Organizations do not exist for their own sake. They are a society’s means in dis charging particular social tasks. An organization’s goal is not survival; rather, it is about a specific contribution to

individuals and society. The test of performance, unlike that of a biological organism, always lies outside of it. Goals are the articulation of how an organization meets this test. Drucker’s key questions: How does organizations mobilize its energies for performance? How do es it me asure whether it performs? His hypothesis: Governance starts with an understanding of the bottom line or goals of an organization and its role in society’s improvement. 2. Managerial Processes: While each organization serves a different purpose for the community, in the managerial area, organizations are essentially s i m i l a r. T h e y m u s t balance the objectives of the organization against the needs and desires of individuals (e.g. shareholders and stakeholders). Each organization has the task of balancing the need for order against the need for flexibility and individual scope. Each requires a structure determined by its task and its demand. Drucker’s key questions: Shou ld st r uc ture, i.e. the constitution of an organization, be absolute and according to principles of organization? Or should it be focused on specific objectives and strateg y? What should be the balance between efficiency and effectiveness in management? Drucker’s hypothesis: Governance is about processes that contribute to the end obj e c t ives of t he organization. Processes must reflect proper management and therefore, good governance. 3. Leadership: Executive p e r for m an c e m atte rs . Organizations are legal fictions. By themselves they do nothing, decide nothing, and plan nothing. Individuals do these. Above all, organizations only ‘act’ insofar as people act whom Drucker calls ‘executives’ – individuals who are expected to make decisions that affect the results and performance of the organization. This means the ability to make decisions that get the right things done. In the knowledge organization of the 21st century (and an education system is a knowledge organization), that means everybody has a role to play in decisionmaking at their level. 9 Drucker: 1968. Chapter 9, pages 188-201. The Challenge of Governance in a Large Bureaucracy (Department of Education): Linking Governance to Performance in an Under-performing Sector Philippine HDN (Human Development Network) Report 2008-09 J. M. Luz Page.

Pope... from page 1

Balbero and nine-year-old Lanie Ortilla and President Benigno Aquino III and his Cabinet members. Aquino is to receive him at Malacanang Palace on Friday morning, where the two leaders will talk, and where the Pope will meet civil authorities and the diplomatic corps. The Pope is to travel on an open vehicle from VAB to the Nunciature 22 kilometers away, on a route lined by hundreds of thousands to over a million people. The charismatic pontiff had just come from Sri Lanka, where a million worshippers gathered to watch him canonize that nation’s first saint and listen to a homily on religious tolerance. Francis has said his two-nation tour is aimed at adding momentum to already impressive growth for the Church in Asia, with its support in the Philippines the benchmark for the rest of the region. Eighty percent of the former Spanish colony’s 100 million people practice a famously fervent brand of Catholicism, and the pope is set to enjoy thunderously enthusiastic crowds throughout his stay. “Every step he makes, every car ride he takes, every moment he stays with us is precious for us,” Archbishop Socrates Villegas, president of Catholic Bishops’ Conference of the Philippines, said as he called on all Filipinos to make an effort to see him. “Seeing him pass by is a grace. Waving our hands at him in loving welcome is an experience of a lifetime.” The high-point is expected to be an open-air mass at dusk on Sunday at the Luneta’s Quirino Grandstand, with organizers preparing for up to six million people despite a forecast of rain and security concerns. “I really want to see the pope, not just see him on a TV, so I am prepared to sacrifice,” said saleswoman Vanessa Tupaz, 54, referring also to worries about the dangers of being in such a huge crowd. “There is a feeling that blessings will be coming and there will be answered prayers and naturally, there will be a feeling that you are part of a celebration.” Organizers have said that, if the crowd is as big as expected, it will surpass the previous record for a papal gathering of five million during a mass by John Paul II at the same venue in 1995. Francis, who will be making the fourth papal visit to the Philippines, is also due to visit communities devastated by super typhoon Yolanda (Haiyan), which killed or left missing 7,350 people in 2013. Church officials have said one of the main reasons for Francis wanting to visit the Philippines was to make a “mercy and compassion” trip to meet survivors of the typhoon. On Saturday, he is scheduled to deliver a mass to tens of thousands of people in Tacloban City and have an intimate lunch with 30 typhoon survivors. Security concerns Authorities have expressed major concerns over the pope’s security in the Philippines, where attempts have been made to kill visiting pontiffs twice before. Nearly 40,000 soldiers and police are being deployed to protect the pontiff in what Armed Forces chief General Gregorio Pio Catapang Jr. described as a “security nightmare.” Potential stampedes from the giant crowds, as well as the threat of Islamic militants or lone-wolf assailants are among the concerns. On the first papal visit to the Philippines in 1970, Bolivian painter Benjamin Mendoza donned a fake priest’s cassock and swung a knife at Pope Paul VI as he arrived at

Manila airport. Paul VI was wounded but continued his trip without disclosing his injury. One week before John Paul II’s 1995 visit, police uncovered a plot by foreign Islamist extremists to kill him by bombing his Manila motorcade route. President Benigno Aquino III made a nationally televised address on Monday specifically to highlight the security threats for the pope and call on all Filipinos to help protect him. “I ask you, do you want history to record that a tragedy involving the pope happened in the Philippines?” Aquino said. Adding to the concerns, the 78-year-old pontiff has insisted he will not travel in a bullet-proof “popemobile” during his big events so can he be closer to the faithful. Sri Lanka success The pope flew out of Sri Lanka on Thursday morning, a day after one million gathered to hear him give mass in what police said was the biggest public celebration ever for the capital of Colombo. Many had waited through the night to see the first pope to visit the island in two decades canonize Joseph Vaz, a 17th century missionary who disguised himself as a beggar to evade persecution. Francis also became the first pope to visit Sri Lanka’s former warzone, using a prayer service at a small jungle shrine to urge forgiveness to heal the wounds of a long civil war. His visit, which began on Tuesday, came days after an election that exposed bitter divisions on the island and saw the surprise victory of Maithripala Sirisena over strongman president Mahinda Rajapakse. Archbishop Malcolm Ranjith said the pope had brought “great joy” to the island as it struggled to recover from civil war.On Thursday, January 15, at 5:32 p.m., 79-year-old Jorge Mario Bergoglio, the 266th pope of the Roman Catholic Church, finally arrived in the Philippines, home to some 76 million Catholics, the only predominantly Christian country in all of Asia and the world’s third largest Catholic nation.

Rumor... from page 1

officer, at a press conference held Tuesday at the City Mayor’s Office. “And until now, we still have a lot of inquiries.” In fact, Mrs. San Juan said just last week, an American firm visited the city to prepare the ground work to set up a Business Process Outsourcing (BPO) professional coding center in the city. “This is a big opportunity for Cagayan de Oro to venture into professional coding and tie up with schools and universities,” she noted. “We also have real estate and other projects coming in.” Figures collated by the Cagayan de Oro Finance Department headed by Dr. Glenn C. Bañez appear to corroborate this. Total revenues from business taxes in 2014 increased by 30 percent (+P220.2-million) to P950.54million from the 2013 collections of P730.385-million. The number of business permit registrations increased 20 percent (+3,587) from the 18,191 registrations in 2013 to 21, 778 in 2014. Even more telling, the number of new business permits applications jumped by 50 percent from 3,477 in 2013 to 5,219 in 2014. Dr. Bañez belied allegations floated by some critics of the Moreno administration’s enforcement of the 2003 Tax Code that the figures have been padded by multiple registrations of establishments operating previously with only one business permit. “Certainly not true!” said the

acting city treasurer when queried about it. “That’s an old practice that’s been there even before I assumed office and that’s specified by the tax ordinance of Cagayan de Oro.” Some local business organizations previously aired concerns to that the administration’s “strict enforcement” of the 2003 Tax Ordinance was driving businessmen and investors to move elsewhere. However, some personnel of the City Finance Department say taxpayers hardly make any negative comments about the “strict enforcement” of the 2003 Tax Ordinance but rather how quick and orderly it was now for them to renew their business permits. “This year, there will be no more requirements for business permit renewals,” Dr. Bañez said. “No bank statements, no financial statements, no VAT returns. Just go to the City Treasurer’s Officer Kiosk, input your mayor’s permit number and cellphone number of the owner.” “As soon as you pay your business tax, we will inform you through text that the tax you paid for January is either for the 1st quarter, half year or entire year. However, you have to input what period you want to pay at the kiosk (quarter, half year or full year) otherwise, the default setting of the program will automatically bill you for a full year,” he added. The administration remains open to business owners who want to reduce or adjust their business tax payments provided they bring with them pertinent documents related to their request for reduction of tax payment. “My office is open from 8:00AM to 6:00PM Monday to Sunday the whole month of January to attend to all requests for discounts and adjustments for those whose businesses may have been adversely affected in the previous year,” Dr. Bañez said. Business permit renewals for 2015 started Monday, Jan. 5 due to holidays. Under the local govt code, the deadline for the renewal of business is set for Jan. 20 but Dr. Bañez has extended the renewal until Jan 31st, 2015. The acting city treasurer said they are still enforcing the 2003 Revenue Code because of some technicalities in publication and have not implemented the 2015 Revenue Code which is supposed to take effect on the second quarter of the year. Atty. Cresencio P. Co Untian, Jr., a CPA/lawyer and professor who has authored three textbooks on taxation which are widely prescribed by top law schools throughout the country, advised businessmen to pay the full year now so they will not be affected by any future tax increase. However , he clarified further that under the 2015 Tax Code passed by the city council last year, there is no decrease in the tax rate, just a change in the bracketing of the tax payable. “If tax rates are reduced, tax collections do not increase because the people who have not been paying

taxes will still not pay. Employees are automatically deducted so they have no choice. But businessmen will find all manner of ways to reduce their taxes: they pad their expenses and under report their revenues. If you lower the tax, I don’t think it will result to more payments.” During the same press conference, Mayor Oscar S. Moreno said that as of November, 2014, Dr. Bañez reported that the city’s gross revenues already exceeded P2.7-billion (B). “In 2013, we proposed for 2014 a budget of P2.6-B, but they suppressed this to P2.3-B. However, our regular collection of taxes and revenues without new taxes still reached P2.7-B as of November, 2014.” With the continued vigorous collection of business and other taxes by the City Finance Department, the mayor said Cagayan de Oro can easily attain revenues of P3-B for this year, given the robust growth in the Internal Revenue Allotment (IRA) for LGUs specified under the Local Government Code. “IRA in 2015 will increase by not less than 12 percent because IRA is tied up with national taxes. With the phenomenal growth of the IRA, the LGUs share has now increased. Even without any increase in local revenues, because of the increase in IRA, we can safely budget P3-B. That’s why we proposed a P3.8-B budget because we knew if we just worked hard, we can attain that. Dr Bañez will tell you a budget of P5-B in Metro Manila for a city comparable to Cagayan de Oro is insubstantial.”

Selfie... from page 1

miniature of Pope Francis out of cardboard and installed it at the entrance of the chapel last January 2, 2015. “Since the installation of the Pope Francis miniature, thousand of people flock to the chapel to take selfie photos as the Pope’s scheduled visit to the country reached fever pitch,” Pimentel said. The miniature of Pope Francis is installed at the entrance of the Xavier University Chapel inside the university compound along Corrales Street in Cagayan De Oro City. “Pimentel said since the installation of the Pope’s miniature at the university chapel on January 2, thousands flock to the chapel every day to take “selfie” here.” The selfie fever is also imminent in one of the city’s commercial center where a bookstore also installed a miniature of Pope Francis at the store’s entrance on January 5, 2015. “Thousands also flock to the bookstore to take selfie photos with Pope’s miniature in the bookstore,” he said. He said that there are hundreds of miniatures of the Pope Francis in other cities in the country as well. “People from all walks of life also flock to the Pope’s miniatures in other parts of the country to take selfie photos either alone or with friends and members of the family,” Pimentel said. (PNA)

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Feature... from page 2

hardwork, and unremitting devotion to the things you want to see happen.” With the interventions of DSWD, Violeta claimed that, “Kaya namin ang Pagbabago (We are capable of change)!” Today, there are now 1,718 Pantawid Pamilya beneficiaries in Lopez Jaena who are also enjoying the benefits of SLP.

ARMM... from page 2

Mitmug, former speaker of the Regional Legislative Assembly and deputy executive secretary, took over Sangcopan’s post as chief of staff. “Bilang bagong chief of staff, titingnan natin na maging mabuti ang kalagayan ng mga empleyado natin, na maibigay natin ng tama ang mga agenda ng regional governor, at maisagawa yung mga required na mga aktibidades tulad ng Gender and Awareness Development o GAD,” he said. Balagot, Governor Hataman’s former executive assistant, said he will be handling special programs of the ARMM, as the new deputy executive secretary.

Production... from page 3

consumer segment. Sales of the branded consu me r fo o ds g roup (B CFG), excluding t he packaging division, increased by 18.5 percent to P76.13 billion from P64.23 billion in 2013. The domestic business expanded by nearly a quarter to P52.35 billion from P42.18 billion previously, driven by the beverage business, which grew by 38 percent. Strong sales in Vietnam

and Thailand pushed BCFG’s international sales by 7.8 percent to P23.78 billion from P22.05 billion the prior year. These two markets accounted for 74 percent of total international sales. Sales of the agro-industrial group climbed 11 percent to P8.20 billion from P7.39 billion over the same period, on the strength of its farm and feeds businesses. Sales of the commodity foods group fell 15.4 percent to P6.94 billion from P8.20 billion the previous year, dragged by lower sugar volumes despite an increase in prices. The flour business grew by 4.8 percent on higher volumes.

Cuts...

from page 3 taxes that were imposed from January 2013, Mr. Riley said. “In 2013, PMFTC, Inc. paid more than P73 billion in taxes and duties to the Government. It contracts over 50,000 farmers and last year purchased over 16 million kilos of Philippine Tobacco,” its statement added.

Cimagala... from page 4

In this regard, we have to be clear about the proper relationship between our senses and emotions, on the one hand, and our intelligence and will, our spiritual faculties, on the other. We have to be guided more by our intelligence and will without neglecting the indispensable role of our senses and emotions. And let’s see to it that these spiritual faculties of ours are nourished by our faith and by God’s grace that is given to us in abundance. We have to be clear about this because we have

the awful tendency to be dominated by our emotions and passions, and to fall into sentimentalism that would often be dead to the faithnourished intelligence and will of ours. Or said in another way, we allow our intelligence and will to be directed not by faith and the grace of God, but by our senses and feelings alone, and by some worldly criteria, like social trends, etc. To be sure, love is not all sweet. Let’s not delude ourselves into thinking that it is an all-things-brightand-beautiful affair. It will unavoidably involve suffering, lots of it, since it has to cope with the limitations of our nature, and more so, with the consequences of ours sins, and these latter can be endless. Be that as it may, we should not think that love is something difficult to do. It is first manifested by doing our ordinary daily duties and responsibilities, for these are the basic expressions of God’s will for us, and love is precisely doing God’s will. It can be shown by always being nice to others, thinking well of them in spite of their defects and mistakes. It is especially shown when we can manage to be merciful and compassionate with everyone, friend or foe. roycimagala@gmail.com

Batas... from page 4

Romans 1:16 also assures all believers that they should not be ashamed of the Gospel (the Bible, of course) “for it is the power of God for the salvation of all believers…” It is therefore important that, if Pope Francis wants to strengthen our countrymen’s faith in God during these greatly troubled times, he

should tell Filipinos: read and study and obey your Bibles! -ooo REACTIONS? Please call me at +63 917 984 24 68, +63 918 574 0193, +63 922 833 43 96, or Skype (batasmauricio), Viber (+63 918 574 0193) and Line (+63 917 984 24 68). Email: batasmauricio@yahoo. com, melaniolazomauriciojr@ o u t l o o k . c o m , mmauriciojr111@gmail.com. -30-

customers. The partnership is expected to derive synergies f r o m S e c u r i t y B a n k’s distribution platform and FWD Life’s innovation and expertise. The Insurance C ommission last Apr i l granted FWD Life a license to operate in the country, making it the first foreign life insurance company in nearly a decade to enter the

Unveils...

BSP...

from page 5

to of fe r l i fe i nsu r anc e pro duc ts to t he b an k’s

By Ramil R. Laurelia T-III Bonbon Elementary School

Schools in this generation has already embraced the challenge of modernization. This is due to the reason that students’ mind evolves through time, making it challenging for educators to engrave lessons. Thus, in order to cope up on the people’s practices and mindset, the strategies of teaching must join the cycle. T h e re a re v a r i ou s methods most educators used in discussions. In some ways, these are not just to modernize form of teaching but also to make learning among students easier than usual. Text2Teach is a program for this kind of use. It is the Philippine version of the global Bridge IT program which provides educational videos and lesson guides on hard-to-teach concepts and least-learned competencies in subjects such as English, Mathematics, Science, and Values Education. These videos and lesson guides are aligned with the curriculum set by the Department of Education (DepEd) to be implemented i n publ i c el e me nt ar y

Republic of the Philippines REGIONAL TRIAL COURT OF MISAMIS ORIENTAL 10TH Judicial Region Branch 17 Cagayan de Oro City OFFICE OF THE PROVINCIAL SHERIFF NOTICE OF EXTRA-JUDICIAL SALE File No. 2014-309 Upon extra-judicial petition for sale under Act No. 3135 filed by HOME DEV’T MUTUAL FUND ( PAG-IBIG FUND ), mortgagee, with office at J.R. Borja St., Cagayan de Oro City, against ISRAEL B. BANAAN, mortgagor, married to Jocelyn G. Banaan, residing at Lot 15 Blk 19, Pag-ibig City Homes, Malanang, Opol, Misamis Oriental to satisfy the mortgage indebtedness which as of October 28, 2014 amounts to FOUR HUNDRED EIGHTY SEVEN THOUSAND FIVE HUNDRED SIXTY PESOS (P 487,560.00), inclusive of penalties, charges, attorney’s fees and expenses of foreclosure, the undersigned or her duly authorized deputy will sell at public auction on January 29, 2015 at 10:00 A.M. or soon thereafter at the Office of the Clerk of Court, Regional Trial Court, Branch 17, Hall of Justice, Cagayan de Oro City to the highest bidder, for cash or manager’s check and in Philippine Currency the following property with all improvements, to wit: TRANSFER CERTIFICATE OF TITLE NO. 136-2012001236 Lot : Lot 15, Blk 19, Psd-10-057664 Portion of Lot : Lot 1, Pcs-10-003972 Land use : Residential Location : Malanang, Opol, Misamis Oriental Boundaries : SE, Line 3-4 by Road lot 2 (15.00 M. wide) x x x x ….. Owner : Israel B. Banaan Area : Ninety (90) square meters, more or less All sealed bids must be submitted to the undersigned on the above-stated date, time and place. In the event the public auction should not take place on the said date for whatever reason, the public auction will proceed on the next working day, without further notice, posting and publication. Prospective buyers may investigate for themselves the title herein-above described and encumbrances thereon, if any there be. Cagayan de Oro City, December 15, 2014. FOR THE EX-OFFICIO PROVINCIAL SHERIFF BY:

schools across the country. 11 countries all over t h e wor l d , i n c lu d i ng Philippines already enjoy Te x t 2 Te a c h pro g r am . It is good how mobile technology can be used for education and how could be so beneficial to students, teachers, schools and to the country’s educational system, at large. Text2Teach program uses advanced mobile technology and is integrated with teachertraining method. Te x t 2 Te a c h p r o g r a m aims to contribute to the quality of teaching and learning in underserved schools and communities in the Philippines. It is implemented in partnership with Microsoft, the Department of Education, local government units, G l o b e Te l e c o m , a n d Pearson Foundation. The systems of education are levelling up just to cope up this generation’s mindset that sometimes a source of student problems. In solving such problem, it is big help that way of teaching must be upgraded through this modern time.

Republic of the Philippines REGIONAL TRIAL COURT 10TH Judicial Region Branch 28 Mambajao, Camiguin IN THE MATTER OF PETITION FOR ISSUANCE OF NEW OWNER’S COPY OF OCT. NO. P-6736 in the name of Domingo Ebarle Arao (deceased) Represented herein by his daughter MELITONA A. DUCUSIN, Petitioner,

MISC. CASE NO. 141

- Versus – HON. ALMA CONCEPCION M. PARREÑO, Provincial Prosecutor, In her capacity as Ex-Officio, Register Of Deeds of Camiguin, Respondent. X------------------------------------------------------/// ORDER Let this case be set for hearing on April 22, 2014 at 8:30 o’clock in the morning, at this court. Persons interested in this petition are required to answer and appear before this court on the aforesaid date and make known their opposition thereto. Let copy of this Order be published at petitioner’s expense once a week for three consecutive weeks prior to the date of hearing in any newspaper of general circulation in the Province of Camiguin. For a period of fifteen (15) days prior to the date of hearing, at the expense of the petitioner, let a copy of this order and of the petition be posted at the bulletin boards of the entrance door of this Court, Hall of Justice, Mambajao, Camiguin, Public Market, Mahinog, Camiguin; Municipal Hall, Mahinog, Camiguin; and Provincial Capitol, Mambajao, Camiguin.

SO ORDERED. Mambajao, Camiguin, December 9, 2014 (Sgd) JEOFFRE W. ACEBIDO Acting Presiding Judge

(Sgd.) FE O. BONTUYAN-BULARON Sheriff IV BWM: Jan. 9, 16 & 23, 2015

Philippine market. The permit comes after the insurer put up the P1billion capital that the government requires. On top of that, FWD Life is spending P300 million for its operational expenses, having hired 40 so far for its Philippine venture. Pacific Century Group is the private investment firm of Richard Li, son of Asia’s richest man, Li Ka-Shing.

Text2Teach program

from page 5

MBOs provide. Banks with MBOs can also increase the ceiling for monthly average daily balance of microdeposit accounts from the existing P40,000, provided they meet BSP requirements. “The expanded services will still primarily cater to the needs of the microfinance clients and the prudential requirements and operational controls will be retained,” the BSP said. According to the BSP, at least a third of the country’s 1,634 cities and municipalities are considered ‘unbanked’. To date, the country has 508 MB Os ser ving 325 municipalities, of which 62 towns only have MBOs. “Banking presence tends to be skewed to higherincome and more populated areas considering the cost of setting up banking offices and operating such offices. The countryside is therefore c h a l l e n g e d by l i m i t e d financial services,” the BSP said. The central bank will post a list of unbanked areas on its website, and update the same every quarter.

BWM: Jan. 16, 23 & 30, 2015

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GAME OF THE GENERALS “THE SIEGE” in cooperation with PhilGGo (Philippine Game of the Generals Organization)