BusinessWeek Mindanao (January 6, 2021)

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Briefly Solons vs Philhealth SENATE Majority Leader Juan Miguel Zubiri, along with Senators Grace Poe, Joel Villanueva, Nancy Binay, Win Gatchalian, and Sonny Angara, has filed Senate Bill 1968, amending the Universal Health Care Act (UHC Act) to suspend the scheduled increase in Philippine Health Insurance Corporation (PhilHealth) premium contributions.

In the UHC Act, under which all Filipino citizens are part of the National Health Insurance Program, PhilHealth premium contributions are scheduled to increase annually in increments of 0.5 percent of an individual’s monthly basic salary beginning 2021 until 2025.

But owing to the current pandemic and its attendant economic impact on the Filipino people, this bill seeks to amend the UHC Act to postpone the scheduled increase to the year after any given public health emergency.

More subsidy THE Department of Social Welfare and Development’s (DSWD) Emergency Subsidy Program is still ongoing despite the length of restrictions being implemented due to the novel coronavirus pandemic.

As of Jan. 3, DSWD said it has distributed financial assistance to 49,039 family beneficiaries of the ESP. The agency added that the aid was worth P260 million.

These families, according to DSWD spokesperson Irene Dumlao, are those classified as low-income households by their local government units (LGUs) but were not qualified to receive the Social Amelioration Program (SAP) which was implemented during the first version of the Bayanihan law or the Bayanihan to Heal as One Act (RA 11469).

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Wednesday|January 6, 2021

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BARMM keeps economy ‘afloat’ amid pandemic C

OTABATO Cty -- The Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) remains optimistic that better economic opportunities are at hand for the coming year, even amid the coronavirus pandemic.

KUYAMIS FAIR. A Misamis Oriental provincial tourism office staff member checks a craft made of coconut displayed at Centrio Mall. Cagayan de Oro City. The display is part of the 8th Kuyamis Festival celebration.

Jan 4 & 8. 2021. photo by gerry lee gorit

Ishak Mastura, chair of the BARMM’s Regional Board of Investments (RBOI), said the optimism is heightened by the entry of the PHP14-million internet Community Wireless and Power Corporation (CWPC) in the region during the first quarter of the year.

“It is a wel c ome development, and the town of Wao in Lanao del Sur

Oro Chamber 2020-2021

Looking Back, Looking Forward

By MIKE BANOS, Editor-at-Large

THE month of January is named after Janus, the god of beginnings and transitions in Roman mythology, who presided over passages, doors,

gates and endings, as well as in transitional periods such as from war to peace.

He was usually depicted as having two faces looking at

opposite ways, one towards the past and the other towards the future.

For the following feature on Oro Chamber, we will similarly look at the year FORWARD/PAGE 5

( left photo ) Oro Chamber COVID-19 Response, Turnover of surgical masks for the frontliners to Cagayan de Oro City and Misamis Oriental Province on 18 May 2020. (right photo) Turnover of Leadership Award to 2020 Pres. Robertino E. Pizarro by 2020 Board Chairman Ruben A. Vegafria.

will be the pilot area for the project site,” Investments He said the RBOI has recently approved the CWPC application to invest in the region, the first-ever amid the 10-month economic crisis brought by the pandemic.

In 2019, t he reg ion recorded PHP4.1 billion, with the Lamitan Agri-Business

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Corporation investing in Cavendish banana plantations worth PHP1.8 billion in Basilan province.

Other investors were the JMI Sand and Gravel Truck Services Corporation with investments worth PHP1.4 billion in Maguindanao; the Maguindanao C orn D e ve l opm e nt D S A- 1 Corporation worth PHP515 million located in Datu Saudi Ampatuan of the same province.

In the same year, the Wao Development Corporation also invested PHP306 million for a new pineapple packing AFLOAT/PAGE 6

Water is coming to Natumolan, Tagoloan BARANGAY Natumolan in the Municipality of Tagoloan, Misamis Oriental will be enjoying potable water piped straight to their households in a year or so.

Natumolan is the 5th largest barangay of Tagoloan with a total area of 622 hectares and also its fifth most populated with a population of 7,674 (2010 Census). Among the key commercial establishments located in its area is the Mindanao Distribution Center of Fast Services Corporation.

“JE Hydro and BioEnergy Corporation will be constructing a 5-Million Liter Daily (MLD) Water Treatment Plant (WTP) and distribution system to

A JE Hydro tap stand to facilitate water connections in Natumolan, Tagloan.

service Natumolan and its adjacent barangays,” said Joel A. Baldelovar, Director for Business Development of JE Hydro, in a radio interview with Magnum Radyo’s Manny Agustero WATER/PAGE 6

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WEDNESDAY|JANUARY 6, 2021

Moreno: Full public compliance to protocols crucial in defeating virus

C

AGAYAN DE ORO CITY--"If the people of Cagayan de Oro cooperate wholeheartedly and

consistently (by fully complying with minimum public health protocols) then I have no doubt that we will

prevail over COVID-19."

Cagayan de Oro City Mayor Oscar Moreno voiced optimism over the low daily recorded average of COVID-19 cases in the city at the end of last month, which capped off both Christmas and New Year celebrations.

"Right now our priority is to stop the

virus from spreading and the city government cannot do this (without the public's full support)," Moreno said.

In her daily case update during Monday's press briefing, acting City Health Officer Dr. Lorraine Nery said the City Health Office (CHO) recorded 21 new confirmed cases for

Saturday and Sunday (January 2 and 3).

Of that number, the city registered nine cases on Saturday and 12 on Sunday. For December 2020, the city registered less than 20 daily cases.

But while the city's daily recorded COVID-19 cases dropped to 10 by December's end and then to nine cases at the

start of January, CHO Epidemiologist Dr. Teodulfo Joselito Retuya Jr. said they may expect a surge in cases after January 6.

"We take note of the recent opening of a store in one mall which drew a long line of customers (and see if something will come up)," Retuya said.

(CIO/PIA10)

BARMM aids families displaced by Maguindanao hostilities

Cagayan de Oro City Mayor Oscar Moreno voices optimism over the low daily recorded average of COVID-19 cases in the city at the end of last month, which capped off both Christmas and New Year celebrations. (CIO)

COTABATO City – Aid workers of the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) distributed on Tuesday relief goods to some 600 families displaced by armed hostilities in South Upi, Maguindanao.

Lawyer Naguib Sinarimbo, Interior

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

and Local Government Minister in the BARMM, quickly dispatched a team of relief workers to South Upi and turned over to Mayor Reynalbert Insular the bags of relief goods for the affected families.

“The bulk of affected families belong to the

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

Teduray indigenous community that had been repeatedly harassed by armed groups over land issues,” Insular said.

The relief goods that included rice and canned goods were distributed by personnel of Rapid Emergency Action on

Disaster Incidence (READI), the emergency and disaster response unit of BARMM. Sinarimbo, who also head of READI, said BARMM Chief Minister Ahod “Murad” Ebrahim has already ordered the AIDS/PAGE 6

DavNor town lures early biz permit renewals with perks, prizes DAVAO City – Perks and prizes await business owners who will apply or renew their business permit early as the Sto. Tomas town in Davao del Norte gears up for the opening of the 2021 “BOSS (Business One-Stop Shop (BOSS) NI TOMAS” on Monday.

Jane Gatillo, head of

the Business Permits and Licenses Office (BPLO), said Sunday her office is closely coordinating with the Municipal Treasurer’s Office (MTO) to ensure they will be able to receive a token of appreciation from the Sto. Tomas local government unit.

Apart from that, Gatillo said BPLO and MTO had established 11 one-stopshop locations in various barangays to also fast-track the processing of business permits and licenses with a lesser risk from exposure of clients to coronavirus disease 2019 (Covid-19).

“Those business permit applicants who missed their barangays' schedules will still be accommodated at the Municipal Recreation and Cultural Center. A separate team from BPLO will accommodate them to ensure that they are accorded appropriate assistance while renewing or applying for a business permit this year,” she added.

Mayor Ernesto Evangelista said a nocontact policy and simplified business permit renewal process that are compliant with Republic Act 11032 would be enforced strictly in this year’s BOSS NI TOMAS as it “diminishes red tape, help the businesses, and specifically avoid mass gatherings that could trigger the spread of Covid-19 (coronavirus disease 2019).”

RA 11032 is also known as the “Ease of Doing Business and Efficient Government Service Delivery Act of 2018”.

(PNA)

3 Brgy. nutrition scholars win Kauswagan urban container gardening tilt Advertising and Editorial E-mail : businessweekmindanao@gmail.com Contact nos. : 0917-7121424 • 0947-8935776

WEDNESDAY|JANUARY 6, 2021

By ERCEL MAANDIG

THE Barangay Nutrition Scholars (BNS) emerged

as the grand prize winner of the just concluded inter-department urban container and

Rethinking kids’ education in the year of COVID PEDRITA R. JORDAN,PHD ESP-II Iponan Elem. School

AMID the health, socioeconomic and political challenges brought about

by Covid-19, the reality everywhere is that our lives as individuals and communities have evolved.

In many parts of the world, the resurgence of infections is renewing the urgency for changes and solutions that will enable humanity to not only survive, but to thrive in the new normal.

At every level of society, strategic and hop eful conversations are being shared not only for shortterm health and safety fixes for communities, but also for the evolution of goals, mindsets and processes that will foster mankind’s desire to keep moving forward.

As a people-centred industry, education is as dynamic as the students, teachers and communities it serves, and is foremost in need of evolving. At the pandemic’s height in April, 90% of total enrolled learners globally were affected, with 190 countries closing education institutions to curb the spread of the disease.

While this reduced to about 50% in early September, the immediate and long-term impact on this generation of learners is already being felt.

Access to continuous education was a significant challenge, especially for marginalised and rural communities during the movement control order.

backyard gardening contest spearheaded by the barangay council of Kauswagan headed by chairman Pedro Balite.

The barangay nutrition scholars bagged P25,000 cash prize and a plaque.

Barangay kagawad Kirby Cahoy, who is the chairman of the committee on agriculture, said that several similar activities have been done by his committee prior to this contest that was supported by the whole Council.

"Mapasalamaton lang kaayo ko kay supportive ang akong mga kauban sa konseho ug gui gahinan gayod ug pondo alang niini nga programa," said Cahoy in his vernacular.

For his part, Balite said that he saw the project as very vital specially in this pandemic that most of the employees are working from home and in this kind of endeavour, the community will educate the importance in not going outside to buy foods specially vegetables and spices plus they have an assurance that these foods are fresh and very safe to cook.

The event was done

Photo shows Kauswagan Chairman Pedro Balite (3rd from left) gave a plaque of appreciation to the Guest Speaker City Councilor Jay Roa Pascual. (Photo by Ercel Maandig)

on December 22 with evaluation and judging before the proclamation of winners. Other winners were Lupong Tagapamayapa who bagged second place with P23,000 cash prize; third place went to Admin and Finance Department which bagged P20,000 cash prize; fourth place was barangay health workers (main) with P18,000 cash prize; and fifth place went to the Barangay Disaster and Risk Reduction

Management with a cash prize of P15,000.

Councilor Jay Pascual, who is the chairman of the committee on agriculture in the Cagayan de Oro City Council, was the guest speaker.

Pascual is hopeful that this project will be replicated in other barangays since the project is very vital in this recent world crisis due to the pandemic COVID-19.

Aside from that, the project will enhance

the preservation of our environment through segregation and recycling that will contribute great impact to our environment.

In conclusion, Balite will enhance this project early next year by spreading the project to every zone so that they will achieve their vision for Kauswagan by becoming the Urban Container Gardening Capital of the City. edited by mark francisco

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Opinion

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BUSINESSWEEK MINDANAO CORPORATION Publisher DANTE M. SUDARIA President/CEO ALLAN MARIO MEDIANTE Vice President for Corporate Affairs RUFINO T. MAGBANUA Vice President for Business Development VICENTE C. DELA VICTORIA Vice President for Operations JOE FELICILDA Vice President for Administration JOHN AARON M. DEL BANDO Vice President for Events and Promotions JOE PALABAO Vice President for Marketing ROSE MARY D. SUDARIA, PhD Vice President for Finance MIKE BAÑOS Vice President for Digital

T h e Wo r l d H e a l t h Organisation has granted “emergenc y validation” for the Pfizer-BioNTech Covid-19 vaccine, allowing countries across the globe to now approve its import and distribution for their citizens.

In a statement released on the final day of 2020, the WHO said its validation, the first since the start of the pandemic, “opens the door for countries to expedite their own regulatory approval processes to import and administer the vaccine”.

The UK has already launched its inoculation drive with the new vaccine since December 8, with the US, Canada and EU following suit.

“This is a very positive

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A great son Think a minute . . . This is a true story about a boy who dreamed of sailing around the world living a life of adventure on the sea. The day finally came at age 15 when he was old enough to follow his dream and join the Navy as a midshipman on a real war ship. Of course, his big challenge now was to convince his mother to let him go. But his dear mother had lost her husband only 5 years earlier and was left to raise more than a dozen children all by herself. So for her to give up her youngest son was asking almost too much. Yet she told him if that was what he really wanted, she would give her approval to let him go.

The day finally came to say goodbye. Her boy was standing in front of her in a dashing Navy uniform, ready to sail away. Suddenly his mother became overwhelmed with the pain of letting go of her youngest son. She began to cry uncontrollably and begged him to stay home to help her and the rest of the family. Her 15-year-old son was quiet for a long time before finally speaking. He

THINK A MINUTE

step towards ensuring global access to Covid-19 vaccines.”

W HO s a i d t h e U S / German developed PfizerBioNTech vaccine met its safety requirements and “its benefits outweighed any potential risks”. They said that its “emergency use” listing opens the way for regulators to approve the import and distribution of the vaccine. in their countries.

B u t t h e s u p e r- c o l d temperature the vaccine must be kept at, -70 degrees Celsius, makes shipping, storing and distributing it a challenge for developing countries.

COVAX, a global effort backed by the World Health Organisation to buy and distribute vaccines to poorer

countries, has commitments for 2 billion doses of vaccine so far and is in talks with Pfizer-BioNTech to buy some of its vaccine, which is claimed to be 95% effective after 2 doses.

The WHO convened a team of experts from around the world to review the data on the safety of the Pfizer/ BioNTech vaccine, along with its efficacy and quality, “weighing the benefits against the risks”.

But human rights groups are resining concerns about richer nations “hoarding” vaccines at the expense of developing nations.

Amnesty International’s recent report found that all of Moderna Inc’s Covid-19 vaccines and 96% of the

NUTS & BOLTS

JEROME DE LA FUENTE

Pfizer-BioNtech’s doses had been secured by “rich countries”, including Canada, the UK and US. “R ather than work together, we’ve had a ‘me first’ attitude in many countries and there’s been a lack of multilateralism and global APPROVES/PAGE 7

Missing the train

Editor-in-Chief

Motoring Editor

WEDNESDAY|JANUARY 6, 2021

WHO approves emergency use of the Pfizer/BionTech Covid vaccine

NELSON CONSTANTINO GILBERT Y. CHAO

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THERE is so much ado about members of the Presidential Secu r it y Group get t i ng inocu lated w it h Cov id 19 vaccines from China’s Sinopharm. Elsewhere on this planet, no one can tell as to how many have procured and managed to obtain doses of vaccine outside of what governments have ordered for their citizens. Our politicians, on the other hand, are busy trivializing the virtual dropin-the bucket doses which obviously were just a token, as Spox Harry Roque termed it.

Let’s look at what is happ en i ng b e yond ou r shores. Quite a number of countries tried to develop t hei r ow n home-g row n vaccines but many failed and had given up on their quests.

To fully appreciate the efforts, scientific research, and the distinctions of each of the vaccines t hat a re being developed, it is imperative to dissociate oneself from politics and biases and remove the tags or flags from where

the vaccines are developed.

Take note that even the World Health Organization has not made any endorsements or commentaries that would compliment or denigrate any brand.

It is, however, necessary that we mention here the nine leading vaccines that had undergone pre-clinical testing, undergoing trials, early and limited approval, a nd f i na l approva l for vaccination.

1. Pfizer/BioNTech was ahead in the race having c omple t e d t e s t i ng a nd three trials although have yet to have the stamp of final approval. It is being distributed a nd a lready administered by countries that had placed their orders early on regardless of whether or not it will be effective.

The efficacy of the vaccine is high at over 90%. The issue of concern is however t he negative 70 degrees cent ig rade temperat u re required from the lab and

in transit to the country of destination (US/Germany).

2. Moderna vaccine is similar to Pfizer except that transport is no problem in that it remains viable at 2 to 8 degrees centigrade. While it is undergoing trials orders for millions of doses had already been placed by several countries (US).

3. AstraZeneca/Oxford - early trials showed a high efficacy rate, moreover, the firm made a recent claim that the vaccine has a 100% efficacy rate. The vax can also be transported at 2 to 8 degrees centigrade (UK).

4. Novavax - is on the final stage of trial and is said to be the dark horse in the search of Covid-19 vaccine race. It too can be transported at 2-8 degrees centigrade (US).

5. Johnson & Johnsonour Food and Drug Administration has endorsed J&J vax and clears its trials in the Philippines. Also easy to transport at 2-8 degrees C

LETTERS FROM DAVAO

JUN LEDESMA and just require one dose to raise the immune system of the body. Recently however the company announced it will conduct separate trials using two doses (US).

6. Sinovac Biotech- this vaccine is reported to trigger an immune response by using chemically inactivated Cov id 19 v irus. W hi le trials are ongoing, it was, however, approved earlier for distribution after its pre-clinical testing. It also requires only 2-8 degrees centigrade to sustain its efficacy (China).

TRAIN/PAGE 7

Making the New Year a good year JHAN TIAFAU HURST wanted with all his heart to become a Navy officer—but not if it was going to break his mother’s heart. He was deeply sad and disappointed, yet he returned home to help his mother take care of the rest of the family.

But that’s not the end o f t h e s t o r y. Fo r t h i s honorable young man who almost became a midshipman, later became the captain of a country. This devoted son who sacrificed everything became known as the Father of the Nation: George Washington, the first President of the United States.

The Son of God Himself sacrificed ever ything, SON/PAGE 7

Unfortunately, we are still hearing that this COVID pandemic will still be with us for months and even for years. Let’s hope and pray that this piece of information will be proven wrong as early as possible, and that those things that are needed to end it are discovered and given to us. But even if that disturbing news holds true, we should not allow it to sour and darken our vision about this new year that has just begun.

If we have faith in God, we know that no matter how things go and develop in this new year, everything would just work out for the good.

With God, we would know how to derive good even from the worst evil that can menace us this year. God is always in control, and if we are with him, we too can have a certain degree of dominion over whatever will happen.

Whatever crisis we may have

would always offer us a new opening for a greater good.

We should just deepen our faith so that our hope would continue to be vibrant instead of thinning, and our charity, instead of fading, would grow stronger. With God, we are assured that not only would we survive whatever trials would come our way. We would even prosper, as we would certainly learn new things, acquire new virtues and invigorate those virtues that we already have, be purified of the remains of the sins of all men, etc.

In other words, this pandemic would give all of us an occasion to get closer to God and to cooperate more closely in the continuing div ine work of human redemption. That is how we should look at this news, so that not only would we be egged to prepare ourselves according ly but wou ld also lead us to see things

under a very positive and meaningfully light.

We can also say that God allows these trials, challenges, and difficulties to happen because he wants to remind us that we need to get closer to him. To be sure, he does not directly wish evil to happen to us, but allows the limitations of nature and the abuses of our freedom to play out because he can always derive a greater good from them.

Perhaps what we can do to help us face the new year with a very hopeful attitude is to immerse ourselves in the celebration of the 5th centenary of Christianity in our country, which is also made more meaningful since 2021 is also the Year of St. Joseph, a most faithful man of God who can help us in strengthening our relation with God. I believe that is a very practical and helpful way of living out this new year

HINTS AND TRACES

ROY CIMAGALA that strikes us now to be challenging. Instead of worr ying and brooding, letting ours elves to b e dominated by fears and anxieties, we would put ourselves in a pro-active, optimistic mode, doing a lot of good, the possibilities of which are actually endless.

With this celebration of the 5th centennial of our Christianity and the Year of St. Joseph, we are given a perfect occasion to learn NEW YEAR/PAGE 7

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WEDNESDAY|JANUARY 6, 2021

Forward... from page 1

that was with 2020 president Robertino E. Pizarro, and look forward with 2021 President Ruben A. Vegafria.

First, a look at the year just past as reported by immediate past president Pizarro during the virtual Oro Chamber General Membership Meeting held on 14 December 2020.

Oro Chamber At A Glance Oro Chamber only attained 43% of target revenue for 2020, although this was mostly balanced by reduced operating expenses due to the cancellation of most in-person events, resulting in net savings of P317,000 for period ending November 2020.

Despite the debilitating effects of the pandemic, the chamber ended the period with a net worth of P21.8-million, 21% increase in revenues and 16% decrease on expenses.

Although membership collection targeted for 2020 was not realized with a 65% attainment due also the decreased membership, with actual collections at 54%.

Membership increased slightly from 2019 with the induction of eight new members, bringing total membership to 362 member companies .

On Advocacy and Policy Formulation Oro Chamber worked closely with Cagayan de Oro LGU on granting deadline extensions and waiving of penalties on Business and Real Property Taxes. Thus the City LGU extended the deadline for the 3rd quarter RPT and the 4th quarter Business Taxes.

Oro Chamber also supported the agreement between the Anti Red Tape Authority (or ARTA) and Philippine Chamber of C ommerce and Industr y (PCCI) to provide a regional desk to receive complaints from the Business Sector against violations of Republic Act No. 11032 (Ease of Doing Business and Efficient Government Delivery Act of 2018).

On Partnerships The OROBEST Innovation Program continued on its second year, thanks to the Department of Science and Technology, USAID-STRIDE, and the Department of Trade and Industry for their continued support. Oro Chamber also forged partnerships to encourage investments in Region X through the Balik Probinsya , Bagong Pag-asa and Build, Build, Build programs.

“It is high-time to encourage more foreign direct investments (FDIs) to come to Mindanao, particularly Region 10. The best way to make this invitation powerful is for government to improve incentives for FDIs, like what they are doing now in Vietnam,” Pizarro stressed.

“This will pave the way for more economic activities, sustainable livelihood opportunities for all.

On Meetings and Conferences Oro Chamber conducted 10 Board Meetings, 4 virtual General Membership Meetings, 2 virtual conferences (MinBizCon and Philippine Business Conference), various webinars, forums and meetings; hosted five good business forums to continue our education information to

our members with regards to the economy and investment, security and development, taxes, and water utilities.

On COVID 19 Response When the local government ordered temporary business closures during the start of the spread of COVID, Oro C h amb e r m a d e a r api d assessment of its members.

We also participated in various COVID-19 response programs and projects with our local government, through our Regional Economy task group with NEDA. Oro Chamber also supported and endorsed member companies to avail of the P3-CARES Program.

How e v e r, ou r m e mb e rcompanies are still awaiting response from the Small Business Corporation on the status of their loan applications 5 months later.

2020 Summary Oro Chamber managed to continue advocating to support for our business community despite the pandemic. We continued forging partnerships, educating our members of the new regulations that affects business continuity, survival and future investments. We are here together with the government and other agencies and institutions to continue finding ways to bounce back from what we have lost in this time of crisis. We need to support each other and support our government programs. In this way, we heal and recover as one.

Looking Forward for 2021 In his acceptance speech as the 25th president of the Oro Chamber, 2021 President

Ruben A. Vegafria started with a call for the younger business leaders to step up to the challenge of leading the business community in the next decades.

Vegafria first served as Oro Chamber President in 2005, was re-elected in 2006 and is now serving his third term at the helm of the Oro Chamber as its President and Chief Executive Officer.

“We proudly held the distinction as the country’s First Hall of Fame Awardee by PCCI, and yet, here we are, facing a rather disturbing reality where “failure of election” in an annual election is becoming a regular spectacle,” Vegafria said. “ Is it because the chamber’s milestones and achievements are simply too difficult to emulate or even proximate that no one dares to cast their luck in? Is it because of meetings and workloads dominantly playing 24/7 in the president’s life, where less is left for business and family?”

“They may rightly be so, but should we, in conscience, allow this issue to spoil the positive public image and noble legacy nurtured and built all through the years by our leaders before us? Why is this happening to Oro Chamber despite its outstanding successes?,” he stressed.

Call for Young Business Leaders Vegafria said this deplorable situation was the reason why he called on young business leaders to join and get involved in the chamber.

“That is the reason why I proposed and insisted that we amend our by-laws to limit

the term of trustees to 3-years with no re-election, because there is no chance for anyone to win against a re-electionist trustee. And, I am glad that the amendments were ratified by the general membership earlier today.”

The 3-time Oro Chamber Chief Executive said business leaders must have 3 basic elements to become effective in leading a chamber: 1) A willing heart to learn, a willing heart to serve and a willing heart to sacrifice. 2) A clear understanding of your mandate and an unmistakable knowledge of the purposes and objectives of the chamber. As the influential voice of business in northern Mindanao, it is important that such voice be heard better, bigger and bolder.

3) And not the least, a strong and unselfish commitment to promote, defend and protect the welfare and interests of the member-companies; an abiding commitment to keep the organization pro-active and vibrant to the best of our abilities.

“Leadership in the chamber is certainly not one of ease and comfort. Our 365 day’s journey will, undoubtedly, be met with roadblocks of envy, criticism, even arrogance and ill-will. But once we have done our work and accomplished our goals of helping businesses and help improve the local economy, we know it is well worth it.”

Oro Chamber Standing Committees During the chamber’s planning session held earlier, Ve g a f r i a h a d p r o p o s e d organizational adjustments in the composition of the Oro

Chamber Standing Committees as a step towards developing and training future leaders. “ T h e Mont h l y G o o d Business For um will b e revived and new projects such as website activation, ARTA and MSME Help Desks, along with meaningful advocacies, sectoral meetings and trainings will be in place under the new normal. We will focus more attention to membership development, recruitment and retention and will do the extra mile to improve our collection efficiency, including improvements in revenue generation. Not the least, flagship projects from the previous administration such as the OROBEST Innovation Program, will be sustained.”

In his closing remarks to close the program, Jaime Rafael U. Paguio, Chairman of the Board, outlined the immediate contributions the Oro Chamber could do to help the city and region get back on its feet.

“As a business organization, our contribution will be how we can help restart the economy, how we can help our brothers survive the pandemic, and still in an optimistic and positive view, how we can make business thrive and even move forward during this ver y adverse conditions. We will live His guidance and His mantle of protection so we may be able to continue our task. And we graciously thank those who gave their generous time, and serve during the 2020 term—of President Robert Pizarro and Chairman Ruben Vegafria, and the community is ever grateful for all the programs done during this successful term.”

6

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WEDNESDAY|JANUARY 6, 2021

Afloat... from page 1

plant in Wao municipality, Lanao del Sur; and also the Hong Kong Feng Sheng Heritage Philippines Inc. based in Balabagan, Lanao del Sur investing PHP100 million for the establishment of an abaca fiber processing plant.

Agriculture Agriculture sector chair Mastura said that if there is one sector that BARMM relies on heavily, it would be agriculture.

He said that while other RBOI registered firms were struggling to survive the economic crisis brought about by the lockdowns to contain C ov i d - 1 9 , a g r i c u ltu r a l investments continue to “survive” amid the pandemic.

“The agricultural sector has somehow managed to assuage the crunch brought by the effects of Covid-19 in the region,” Mastura said.

He said the BARMM remains a good choice for agriculture-based investments in the south. Cotabato City as an investment center.

Finance With the recent turnover of Cotabato City as an integral part of BARMM, prospects also remain high for new investments to come in 2021, particularly in banking and finance.

Mastura noted that the city is situated in the heart of Central Mindanao, a strategic financial center having the most number of branches from both government and private banking institutions.

Cotabato City even has a Central Bank regional office in its downtown area, a government banking authority that many local government units cannot boast in Central Mindanao.

Mastura said the BARMM would also promoting the city to become the center of Islamic banking in the country with the anticipated coming in of the Malaysianowned MayBank, through its subsidiarity MayBank Islamic.

Considered the largest in Southeast Asia, MayBank is eyeing to open a branch in the city next year. “ Wi t h t h e BA R M M having an annual block grant amounting to PHP70 billion this year and PHP75 billion next year going through the banking system in Cotabato City, such volume of money alone cements its role as the financial center of the region,” Mastura said.

Peace and order Another improving aspect in the BARMM is its improving peace and order situation brought about by the ratification of the Bangsamoro Organic Law that formed the 21-month-old region following the signing of the government-Moro Islamic Liberation Front (MILF) comprehensive peace agreement. “ The MILF is now pursuing the path of peace and development under the BARMM, and we are proving ourselves to be capable leaders of our Bangsamoro constituents,” Chief Minister Ahod Ebrahim of the MILFled BARMM said in a recent interview.

An estimated 12,000 for mer MILF memb ers are undergoing the decommissioning process as among the key provisions of the Annex on Normalization of the Comprehensive Agreement on the Bangsamoro (CAB) that aims to help the former combatants become peaceful and productive citizens once more.

The Army’s 6th Infantry Division (ID) in Central Mindanao said that close to 200 combatants of the Bangsamoro Islamic Freedom Fighters, a breakaway group from the MILF, have yielded to authorities after witnessing for themselves the return to normal lives of their former MILF comrades.

“We welcome the BIFF’s return to the mainstream society,” Maj. Gen. Juvymax Uy, the 6ID commander, said.

Fight against Covid-19 BARMM officials said that

if there is one tough battle they are currently facing right now, it would be the coronavirus disease 2019 (Covid-19) crisis.

The region’s Ministry of Health (MOH) believes that perseverance and dedication remain the largest factor for BARMM's record as having the least number of cases number of Covid-19 cases at the regional level.

“Our combination of hard work and effective contract tracing has been working against the virus,” Dr. Amirel Usman, acting MOH minister, said, adding that current active Covid-19 cases in the region are only at 86 as of Dec. 20, 2020.

Since March this year, the region has 2,497 Covid-19 cases, with 2,315 recoveries, for a 93 percent recovery rate.

Usman has expressed hope that the region can “flatten the curve” by the early part of 2021. “ The suppression of Covid-19 is tantamount to reopening and reviving of the regional economy that the constituents are eagerly yearning for,” he said. (PNA)

Water...

from page 1 last December 31st, 2020. JE Hydro is the fast emerging Water C ompany in the Philippines, with strong adherence in the advocacy that Access to Safe Drinking Water is a Fundamental Human Right.

Baldelovar apologized for the inconvenience the excavation and pipelaying works which have already started, while construction of the WTP will be starting this week. Construction of all works has been covered by a barangay ordinance and permits, and is expected to be completed in the next 10-12 months.

“Water will cost residents less than 3 centavos per liter of potable water piped in to their residences compared to the P25 per liter of bottled water. 1,000 liters or one cubic meter of potable water will only cost them P25,” he

Teachers and parents adapt alternative learning modalities DENIA M. ABAO Master Teacher I Baliwagan Central School Balingasag South District

WHILE students continue to adjust under the distance learning set-up, teachers around the country have also been learning new ways to teach their learners.

Lockdown measures against the coronavirus disease 2019 (Covid-19) has demolished the four corners of the classroom.

It wasn’t easy; and still is, as educators put efforts to rebuild those corners that are now situated in learners’ domicile.

Educators from the Department of Education (DepEd) and the Commission on Higher Education (Ched) have different tags for this new

platform for learning. Some call it electronic learning or e-learning, distance e du c at i on , a lte r nat ive learning, online schooling, etc.

The commonality of these labels, however, is the use of technolog y, especially the Internet, in molding a generation of students prohibited from phy s i c a l ly i nte r a c t i ng with each other and their teachers. They also only have a screen as their physical connection with what is called “school.”

This is where teachers can ask questions and encourage dis c ussions among students“So learning

isn’t just an exercise of consumption but one of collaborative learning not just between teacher and students, but among the students themselves as well.

These educators also n ot e d t h e a d v a nt a g e s and disadvantages of the current set-up in teaching and learning.

Something happened when we were busy learning how to go online: We suddenly found ourselves with a dynamic and v i g orou s prof e s s i on a l learning community that a l l ow e d v i r tu a l l y any educator to consult any colleague or to share tips and strategies with others.

added.

Baldelovar said the Level III water system will deliver potable water straight from the water treatment plant to households of Brg y.

Natumolan, and neighboring barangays, twenty four hours a day, 7 days a week.

The Natumolan WTP will source raw surface water from the nearby Tagoloan River, which once treated can be used for drinking, bathing, cooking and other personal uses.

“Raw water will undergo a series of treatments using J E Hy d r o p r o p r i e t a r y technolog y,” Baldelovar noted. “This will ensure that the product water is potable and complies with the standards set by the World Health Organization and the Philippine National Standards for Drinking Water.”

With its design capacity of 5MLD, JE Hydro Natumolan WTP can also service adjacent barangays which are not yet being served by the Tagoloan Water District (TWD).

“We are capable of also servicing nearby barangays like, part of Poblacion and Baluarte,” Baldelovar said. “ The Barangay Council can simply contact us to signify their interest and we will immediately send our engineering team to survey their area to further explore the feasibility of distributing potable water to their area.”

Baldelovar clarified JE Hydro does not seek to compete with the TWD, and Cagayan de Oro City Water District (COWD) which are already serving the Poblacion and Barangay Casinglot, also in Tagoloan respectively.

As of August 2020, COWD already has over 103,577 ser vice connections. Its service area is spread over the city and the adjacent municipalities of Opol, Misamis Oriental in the west side and Casinglot, Tagoloan in the east.

Casinglot is Tagoloan’s 4th largest barangay with a total area of 680 has. and also 4th most populated (as of 2010 Census) with 8,588.

COWD rate as approved

by LWUA is P21.84 for first 10 cu.m. or minimum P218.40 per month, + commodity c h arge of P 2 0 . 5 5 for

additional cu.m. consumed beyond 10 cu.m., from 11-20 cu.m., P31.85 (21-30 cu.m.), P33.65 (31-40 cu.m.) and P36 (41-up cu.m.).

“For private utilities like JE Hydro, water rates are approved by the National Water Resources B oard (NWRB),” Baldelovar said.

“Our approved rate for Natumolan is P25 x actual volume of water consumed (e.g., 5 cu.m. x P25 = P125.)

“This is more affordable for smaller households like what we have in Natumolan so they don’t have to pay a minimum rate that is more expensive than the actual volume of water they consume.”

Indahag Update In a related development, Baldelovar said JE Hydro is merely awaiting approval of city council plenary to approve the project so an excavation permit can be issued and digging and pipelaying can start. Construction of the WTP and distribution system is expected to be completed in the next 10-12 months.

The city council committee on public utilities chaired by Councilor Teodulfo E. Lao, Jr. favorably endorsed the Indahag project to the plenary of the local legislative body for further consideration during its consultation held on 17 December 2020.

JE Hydro has proposed the construction of a Water Treatment Plant (WTP) with a capacity to deliver 10 million liters daily (MLD) of clean and safe potable water at no cost to Barangay Indahag.

Baldelovar said once the City Council plenary approves the project, pipelaying can immediately start and the project can start operating before the end of 2021.

“We are concurrently applying for a Certificate of Public Convenience from the NWRB to distribute water in Bgy Indahag and the 10MLD will be sufficient to supply 10,000 households in Bgy Indahag, which will catalyze the development of its economy,” he added.

Besides a 24/7 supply of clean and safe potable water, the JE Hydro project also projects its distribution rate at P35 per cubic meter (cu.m.) compared to the P80-85 per

cu.m. Indahag residents now pay for water delivered by truck to the barangay.

Baldelovar said this can be reckoned at 3.5 centavos per liter or P7 per drum vs. the P18 per drum (at 5 drums of 200 liters each which is equivalent to one cu.m. of water) or a 60% reduction of their water expenses per drum.

He explained the water rate for Indahag would be more expensive compared to Natumolan since its WTP is double in size (10MLD vs 5MLD) and the additional cost of the pipeline which would bring in surface water from Bubunawan River in Bgy Pualas, Baungon, Bukidnon with water rights secured from NWRB for 10MLD. It would also have higher operating costs since it requires more electricity to pump the raw water from Baungon and up the higher elevation to Bgy. Indahag.

Aids... from page 2

immediate resolution of the problems hounding the residents of Barangays Itaw and adjoining Pandan, both in South Upi. “The BARMM is acting on the problem with the help of elders from the area,” Sinarimbo, who is also designated as BARMM spokesperson, said.

On Sunday, a hitchhiker was k i l le d w hi le t hre e others, one of them a relief worker of the South Upi local government unit, were wounded in the ambush of Insular’s convoy of vehicles.

The mayor’s convoy was heading to the town center from a relief operation when ambushed by suspected members of the lawless Bangsamoro Islamic Freedom Fighters. (PNA)

Recognition of Honors and Awards for Learners in the New Normal Modality: Still Applicable?

MAURITA M. DONASCO School-in-charge Tablon National High School

AS you are transitioning to the “new normal” in the learning environment, you are likely reevaluating every aspect of the students.

This should include how to appreciate the adolescents.

Recognition can be an incredibly powerful tool to help students through times of crisis. During the pandemic, students were 103 percent more likely to feel supported by the school management and 59 percent

more likely to trust their teachers. When students were not recognized, they were 23 percent less likely to feel supported by their teachers and twice more fearful of COVID-19.

Even before the world had to completely change the learning atmosphere, only 32 percent of students felt the recognition they received was sincere and meaningful and 40 percent of the students felt the

recognition they received was an empty gesture. Most recognition experiences were mediocre at best before the pandemic, but with remote studies and social distancing, there are now understandably more barriers to creating great recognition experiences.

Recognition is not a program; it’s not just about the rewards. It is about the importance of seeing, hearing, and valuing people.

7

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WEDNESDAY|JANUARY 6, 2021

Son...

from page 4

including His perfectly innocent life, because of His great love for us. Then three days later He came back to life to rule over everything He had created. Yet He still gives us human beings the freedom and choice whether or not we will accept His authority and follow His leadership over our life.

The great news is that we can trust Him, because He has already proven that He rules and leads us with His unfailing love that sacrificed Himself for us. Won’t you trust and ask Him to take full charge of your heart and life for the rest of your life?

You have nothing to lose and absolutely everything to gain. Just think a minute . . .

Approves... from page 4

coordination in the world.”

Me a nw h i l e , C h i n a’s National Medical Products Administration announced the conditional approval of a vaccine developed by Beijing Biological Products Institute, a subsidiary of state-owned Sinopharm. Approval has been granted a day after Sinopharm claimed the vaccine had an efficacy rate of 79.3% against Covid019 in a DEED OF ABSOLUTE SALE K NO W A LL MEN BY T HESE PRESENTS:

This DEED OF SALE made and executed by and between:

VIRGIE P. NAVARRO, of legal age, widow, Filipino citizen and with residence and postal at Sambulawan, El Salvador City herein referred to as “VENDOR”; -And ORLANDO L. MANZANO, of legal age, married, Filipino citizen and with residence and postal address at Bayabas, West Bound Terminal, Cagayan de Oro City, herein referred to as the VENDEE; That the VENDOR is the portion owner of certain parcel of land under Original Certificate of Title No. E-5117, situated in the Sambulawan, El Salvador, Misamis Oriental containing an area of TWO HUNDRED (200) square meters, more or less, and has been the subject of an DEED OF ABSOLUTE SALE, filed by the heirs, in Favor of ORLANDO L. MANZANO, per DOC #123; PAGE #25; BOOK #CXXIII; Series of 2020 under the Notarial Registry of ATTY. RAMIL G. GARREON. BWM: January 6, 13 & 20, 2021

EXTRAJUDICIAL SETTLEMENT OF ESTATE AMONG HEIRS WITH DEED OF ABSOLUTE SALE K NO W A LL MEN BY T HESE PRESENTS: That the late NESTOR G. PAGAPULAAN died intestate on ____________ at_________________, EFI G. PAGAPULAAN, died intestate on __________ at _______________ and JOSELITA G. PAGAPULAAN died intestate on ______________ at _________________ at the time of their death left a certain real property with Original Certificate of Title No. E-5117, situated in the Sambulawan, El Salvador, Misamis Oriental, containing an area of ONE HUNDRED (100) square meters, more or less and has been the subject of an EXTRAJUDICIAL SETTLEMENT OF ESTATE AMONG HEIRS WITH DEED OF ABSOLUTE SALE, filed by the heirs of NESTOR G. PAGAPULAAN, EFI G. PAGAPULAAN, JOSELITA G. PAGAPULAAN, in favor of ORLANDO L. MANZANO, per DOC #124; PAGE #25; BOOK #CXXIII; Series of 2020 under the Notarial Registry of ATTY. RAMIL G. GARREON. BWM: January 6, 13 & 20, 2021

final large-scale clinical trial.

But come epidemiologists are questioning Sinopharm’s claims because it has not provided necessary data for it to be independently verified.

New Year... from page 4

more about our faith and to develop a more solid life of piety where we would know how to abandon ourselves in the loving providence of God even as we do our part as productively as possible! roycimagala@gmail.com

Train... from page 4

7. Gamaleya - like Sinovac, this vaccine was approved before trial and presently available in limited quantity.

It can be stored at 2-8 degrees centigrade (Russia).

8. CanSino Biologics - this vaccine was given the green signal to inoculate China military forces prior to its trials. It uses the common cold virus to trigger the i m mu ne response. Ca n be stored at 2-8 degrees centigrade (China).

9. Sinopharm - this is the controversial vaccine that was inoculated to members of the Presidential Security Group. This was used by hundreds of thousands in China following its early approval for distribution prior to trials. It went through pre-clinical tests. Easy to transport at 2-8 degrees centigrade (China).

Ta ke note t hat on ly China and Russia allowed the use of their vaccines even before they launch the clinical trials which other developers do. But they went through pre-clinical testing.

I would presume they use guinea pigs to do this and the use of the “inactivated” covid virus to enhance the immunity system. Given these modalities and the emergencies spawned by the

pandemic they took the risk and so far we have yet to hear some serious side effects.

Amidst the brouhaha over the Sinopharm vaccines that the PSG got our FDA finally decided to allow Johnsons & Johnsons to conduct clinical trials here. The FDA has said a mouthful against what it termed as the illegal use of and purchase of the vaccines which have not been approved by the FDA. But we are in the midst of a full-blown pandemic that had claimed the lives of millions even in the most advanced countries like the US and UK. And then here comes a new strain that is more infectious. Our problem here is that FDA and the political opposition thought we live in normal times and are preoccupied with looking at legal loopholes to make the Duterte administration look bad. The Presidential Security Guards took that risk on the heels of the new strain and accepted that token from whoever donated that Sinopharm doses to skirt the legal issues of purchasing without prior bidding and completed. Obviously, the PSG knows better about “e m e r ge nc y u s e ” t h a n the FDA who still thinks Covid-19 is just a common cold.

If we follow t he opposition and the FDA, t he Phi l ippi nes w i l l be left in the “kangkungan”.

See what happened when somebody dropped the ball on the Pfizer negotiation?

While our neighbors have placed adva nced orders and payments on various vaccines still undergoing clinical trials, here we are debating whether it is legal or illegal to do the same. If we are that legalese even in the midst of the pandemic then maybe Congress should give the President Emergency Power to place orders of

PRA Form No. 10.1 (LCRO) Republic of the Philippines CITY CIVIL REGISTRY OFFICE 1F South Wing Administrative Bldg. City Hall, Capistrano-Hayes Sts. Cagayan de Oro City NOTICE TO THE PUBLIC

In compliance with Section 5 of R.A. No. 10172, a NOTICE is hereby served to the public that ARNIE LOU VALCORZA ACTUB has filed with this Office a petition for the correction of clerical error of the CHILD’S SEX from “MALE” to “FEMALE” in the Certificate of Live Birth of ARNIELON VALCURSA ACTUB who was born on MAY 10, 1985 at TIGNAPOLOAN, CAGAYAN DE ORO CITY MIS. OR. And whose parents are ARNOLPO B. ACTUB and EMMA P. VALCURSA.

Any person adversely affected by said may file his written opposition with this Office not later than JANUARY 07, 2021.

(SGD) EVANGELINE C. TAPANGAN City Civil Registry

BWM: January 6 & 13, 2021

Kagay-an Festival 1st Oro Lechoneros Encuentro Champion

for Orders, Contact Yoyong:

09354145759 09169249371

vaccines from wherever is the source. This, although sadly I think we again missed the early train.

Phoenix... from page 8

that the e-gift feature on the app has been especially useful during the holidays stating, “It allowed users to buy and give vouchers without leaving home.”

Since the start of c om mu n it y qu ar ant i ne measures caused by the COVID-19 pandemic, Phoenix introduced several digital-based initiatives to sustain business operations.

These include the implementation of cashless payment at its fuel stations, the introduction of its fuel delivery service for SMEs, and the launch of online ordering

and delivery services for its LPG business.

In June, the company announced its partnership with Limitless, which has since offered its members points for valid purchases at partner establishments including Phoenix. Limitless now has more than 100,000 members who have access to perks and other exclusive privileges.

DSWD releases additional Php10K grant to LAA families thru Starpay app MARAWI CITY -- With its continuing efforts to uplift the lives of the affected families in Marawi, the Department of Social Welfare and Development (DSWD) started releasing additional Php10,000 worth of Livelihood Settlement Grant (LSG) to 28,204 families from the less affected area (LAA) of the city.

DSWD partnered with Starpay Corporation as a financial service provider through its smartphone application.

“Registration was already facilitated

by Starpay Corporation and log-in details were distributed to the families through their nominated mobile numbers,” said DSWD Region X Director Mari-flor Dollaga-Libang.

Starting December 28, 2020, 5,000 families were notified daily about the assistance.

Libang further said that initial concerns using the digital application is the unavailability of smartphones and blocked accounts. With this, DSWD 10 also requested assistance from the city government of Marawi and Task Force Bangon Marawi (TFBM) Field Office to intake the details of the families having similar concerns. The agency shall then

By MARIA TERESA R. OBLIG Teacher III Bulua Central School

request manual beneficiary reference numbers for these families.

The beneficiary should download the Starpay application and upgrade its user level. To upgrade one's account, details such as name, selfie, birthdate, permanent and present address, and valid ID are needed. Acceptable IDs include passport, driver's license, PWD ID, Barangay ID, TIN ID, SSS, Philhealth, among others.

After taking a selfie, at least one ID should be chosen and uploaded with details. A message will then be sent once the account is upgraded.

To claim the assistance, the beneficiaries can cash out their wallet balance through MLhuillier pay out or Security Bank or Chinabank ATM cardless withdrawal.

From April 2019, DSWD distributed of Transitory Family Support Package of Php53,000 and additional Php14,400 to 17,905 displaced families or Marawi IDPs from the 24 most affected area (MAA); distribution of LSG worth Php20,000 to 17,905 displaced families IDPs from MAA and Php10,000 for 28,266 displaced families IDPs from LAA as well as the distribution of Pabaon Package and 30 kilograms of rice. (LELA/ PIA ICIC)

Online classes

BULUA Central School is one of the schools in the Cagayan de Oro City S cho ols Division t hat have conductedo online classes in this so-called new normal due to COVID-19 pandemic. Anchorec with DepEd's mission and vision, Bulua Central School never ceases to continue to serve its learners to learn despite its challenges.

In this so-called new normal, online classes of Bulua Central School is conducted with the use of the Internet. That is why Bulua Central School improves its connectivity by adding more access to the Internet.

In this manners, including the learners must have their connectivity at home with the help of the parents or guardians in here through learning management of which learners can view their lessons and communicate the teachers as well as their fellow learners.

This can be synchronous or asynchronous - synchronous

wherein learners have to have a class online on a specific given time; and asynchronous wherein learners have to study the lesson and answer exercises further on the given lesson during offline or asynchronous in digital modules are also available.

The number of minutes in this online class may vary according to the grade level.

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Share. Protect. Earn.

Everyone wins with financial inclusion via FWD’s Affiliate Program

F

WD Insurance is excited to announce the launch of a digital ecosystem that rewards everyone for doing good by way of sharing financial life skills and helping bridge the protection gap in the country.

The groundbreaking FWD Affiliate Program is a first in the market. Everyone can be an affiliate by simply downloading the mobile app and completing the registration process for free.

Through the app, our financial advisors can spread financial knowledge and awareness in a trustbased environment to help others upskill their financial management and start future proofing with investments and life insurance. At a time when Filipinos are stretching

If interested, contact:

their budgets, now they can get expert financial self-help, and even be an ambassador helping others

DANICA SUDARIA

increase their financial IQ by sharing inspiring posts with rewards.

Technology that enables

dannycarosesudaria0512@gmail.com 0936-046-2356

this Affiliate app could not have come at a better time. The current global pandemic has made people

think more about life and health issues, while economic uncertainty has triggered increasing interest in financial management and planning.

Recent statements made by the Bangko Sentral ng Pilipinas exposed the average Filipino’s vulnerability: only 48% have savings to lean on during hard times, while household out-of-pocket expenses for health financing rose to a staggering P379.7B in 2019, as reported by the latest Philippine Statistics Authority numbers.

According to FWD Insurance President and CEO Li Hao Zhuang, the Affiliate Program is a win-win platform for everyone involved. The app offers shareable financial knowledge, tools and

solutions while also creating employment, with an aim to start a virtuous cycle that directly empowers people and enhances protection inclusion.

“We want to reduce the digital divide and address the protection gap in the country," Li Hao notes.

"Through FWD’s Affiliate app, we democratize financial education and protection and make it rewarding for everyone."

"It allows our customers to be rewarded for doing good, and we believe that is especially valuable in this time of need.” For more information regarding FWD Insurance’s products, customers can connect with their FWD Insurance advisor or via FWD’s 24/7 Live Chat (https://fwd.com. ph)."

PHOENIX Petroleum further reinforced its push for the digital platform by offering discounted fuel vouchers through Limitless, an app-based loyalty program. Last December 28, Phoenix fuel vouchers in P1,000, P500, and P100 denominations were offered on the Limitless app at 80% off during the independent oil player’s first digital flash sale.

“As our brand further evolves, we have also

innovated the way we offer our products and conduct our promos. Incorporating e-commerce into our business has been pivotal, especially this year when safety has been of prime concern,” said Phoenix President Henry Albert Fadullon. “By partnering with Limitless and offering our discounted vouchers online, our customers were treated to a big discount without them having to line up at the stations.

It’s safer, and also more

convenient because the vouchers can be redeemed anytime,” he added.

Exclusive to Limitless members, the online sale gave customers the chance to avail of discounted vouchers, which have no expiry, and can be used at participating Phoenix retail stations upon refueling. Over P1 million worth of Phoenix fuel vouchers were sold during the flash sale, which is estimated to have attracted over 2,200 new Limitless members in the course of two days.

“Unlike other fuel discounts offered in the past, the Limitless flash sale eliminated the need to queue at stations, making the process easier. For further convenience and safety, those who were able to take advantage of the sale only need to show the vouchers on their Limitless app when they gas up so the transactions are contactless. Made possible through a digital channel, it’s an ideal innovation that perfectly suits our current circumstances, and customers can expect more regular promos on the app,” said Celina Matias, Phoenix Vice President for Integrated Marketing and Strategies. She also added

Phoenix strengthens thrust for digital with online flash sale

A motorist redeems his discounted fuel voucher at a Phoenix gas station through the Limitless app

PHOENIX/PAGE 7