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BusinessWeek MINDANAO

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Volume VI, No. 053

Market Indicators As of 6:21 pm October 23, 2015 (friday)

FOREX US$1 = P46.44

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Policy forum DAVAO City -- Environment groups and representatives from government agencies and agribusiness plantations will gather for a policy forum this October 27, 2015 at the Matina Episcopal Mission Center to discuss guidelines in adopting climate-mitigation standards in agri-plantations in Mindanao. “The current state of cultivated slopes in Mindanao has degraded with the unbridled expansion of plantation crops. With global warming and the extreme weather patterns that it brings, this situation may worsen because plantations are also vulnerable to climate change,” said IDIS executive director Ann Fuertes. The Interface Development Interventions (IDIS), Davao City Watershed Management Council (WMC), and the Davao City Water District (DCWD) is hosting the forum together with the Relief International- Enterprise Works Worldwide, Phils (RI-EWWP), a Cagayan de Oro-based environment consultancy group.

Investment plan MATI City -- The provincial government of Davao Oriental is confident that with the newly adopted Annual Investment Plan for 2016, it will be able to sustain and strengthen even more their award-winning good governance programs and projects. Governor Corazon Malanyaon has recently convened the Provincial Development Council which have deliberated, approved and adopted the Annual Investment Plan for 2016 to be funded under the twenty percent of the Local Government Development Fund (LGDF). She says that programs and projects to be funded under the LGDF will boost her administration’s five development agenda which are to defeat poverty, safeguard the environment, expand access to infrastructure, utilities and social services, sustaining public order and security and to strengthen effective governance.

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M’danao gets bulk of PRDP’s infra projects www.businessweekmindanao.com

Monday | October 26, 2015

P15.00

By CARMELITO Q. FRANCISCO, Correspondent

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TOTAL of 190 infrastructure projects with a combined cost of P11.3 billion have been approved for implementation under the Philippine Rural Development Project (PRDP), with Mindanao cornering the bulk at P5.1 billion for 113 sub-projects. Luzon, on the other hand, has 52 sub-projects worth P4.3 billion, while the Visayas got the green light for 25 sub-projects at P1.932 billion, according to a statement issued last week, which also indicated the change in the

PRDP title to “project” from “program”. Consolacion E. Satorre, Mindanao deputy program director for the PRDP, said basic infrastructure facilities such as water systems and Infra/PAGE 11

Energy Camp for public school teachers, students mulled By MARK FRANCISCO, Staff Writer

MORE than 30 public schools here without electricity would undergo an extracurricular training on “energy conservation,” a company executive said Friday. Jeffrey O. Tarayao, the president of One Meralco Foundation, said that the public school teachers would come from both elementary

and high school division who would also be tasked to impart the training to students. Ta r a y a o s a i d t h a t the training would focus on subject about energy conservation where public school teachers would use the “old school class cards” camp/PAGE 11

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HAZY MORNING. The orange glow of the sun can still be seen at 6:00 Friday morning due to the atmospheric haze believed to have come from the forest fires in Sumatra, indonesia and is now blanketing the skyline of Cagayan de Oro and other cities in Mindanao. photo by bong d. fabe

Authorities issues advisory on Indon haze By BONG D. FABE, Contributing Editor

GOVERNMENT authorities has issued an advisory to citizens of Mindanao cities affected by the haze to be extra careful to avoid

unnecessary risks. The DOH urged the public to wear appropriate dust masks when going out and to refrain from physical

activities such as doing physical exercise in heavily polluted areas. “For elderly, children and those with respiratory-asthma, chronic obstructive pulmonary disease (COPD) and cardiovascular diseases, stay indoors with good ventilation,” it said. Health officials also advised everyone to “consult a doctor if there is difficulty in breathing, cough, chest pain, increased tearing of the eyes, and nose or throat irritation.” “Further, stay away from low-lying areas where smoke haze/PAGE 11

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Economy

Best performing food terminals recognized

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OR its excellent job in establishing and operating food terminals for its local producers, the local government unit of Bacolod, Lanao del Norte, earned the title as the Best Performing Municipal Food Terminal

(FT) and received P30,000 worth of goods for this success. On the other hand, the Mantibugao Agrarian Reform Beneficiaries Cooperative of Manolo Fortich, Bukidnon; Agay-ayan Multi-purpose C o op erative (MPC) of

Gingoog City, Misamis Oriental; and Paglingkawas MPC of Kauswagan, Lanao del Norte, respectively won, as the first, second and third Best Performing Barangay FTs. As reward, the first, second and third Best Performing Barangay FT, won P20,000,

Awards. She also acknowledged and praised the incredible participation of the women and youth in the agricultural sector, and ended her speech with a proud salute to all the achievers. The Regional Achievers

P15,000 and P10,000, worth of goods, respectively. “The outstanding achievers are proof that we are indeed breaking the cycle of rural poverty,” Usec. Puyat gratefully remarked in her keynote speech during the conduct of the Regional Achievers

Awards is a yearly event observed by DA-RFO 10 to recognize the outstanding works of farmers and other agricultural groups in the development of agriculture in the whole region. (MCLPaylaga, DA-RFO 10/ PIA 10)

Gingoog awards P7.7M for skills training of marginalized sectors

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G I NG O O G C it y - - In preparing for its marginalized s e c t or s t h rou g h s k i l l s t raining , Gingo og cit y government has downloaded P7,661,714.86 in fortifying the city’s implementation of both soft and hard trades in partnership with the Technical Education and Skills Development Authority (TESDA) The executive office has received TESDA’s 2014 budget for technical and

endeavor as it offers wider chances to Gingoognons. “Now that you are skilled workers, you are now on the go to grab opportunities. Your future is in your hands. You are the one who shape your destiny. Our LGU’s role is to support you always,” said the lady mayor. As the point person of the Bottoms-Up Budgeting (BUB), Epifanio Zarate said his acknowledgment to 22 civic society organizations

vocational courses amounting to P6,129,371.87 and the city government has shelled out its 20% cost-sharing of P1,532,342.99 which has invested 904 skilled beneficiaries by making themselves equipped and ready for job opportunities here and abroad. Sp eaking b efore the beneficiaries, Mayor Marie de Lara Guingona has disclosed that her administration has been very supportive to this

(CSO) who engaged in techvoc endeavors. “These CSO’s help in producing the city’s pool of skilled labor force. We salute their commitment and humane consideration for the betterment of the jobless and unskilled residents,” he said. Moreover, serving as the TESDA coordinator, Hyasmin Apao said the program targets to increase employability, en hancement of s o ci a l awards/PAGE 11

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CorporateWorld 3 Globe Telecom bares new portfolio of high-speed home broadband plans Advertising and Editorial E-mail : businessweekmindanao@gmail.com Contact nos. : 0917-7121424 • 0947-8935776 Editor: Nelson Constantino

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LOBE logo (1)In a bid to strengthen its broadband business, Globe Telecom has unveiled its new roster of home broadband plans powered by fiber-to-the-home (FFTH) te chnol og y, prov i ding customers the fastest fiber connection speeds at home now available at a more affordable price. The offering of a more aggressive home broadband portfolio also forms part of the telco’s efforts to uplift the state of internet services in the country by giving customers access to a faster

internet experience with lower monthly service fees (MSF). With the new Globe Platinum Broadband Plans, home broadband customers can enjoy a broadband plan with internet speeds of up to 50 Mbps at Plan 2499, 100 Mbps at Plan 3499, 200 Mbps at Plan 4499, 500 Mbps at Plan 7499, and 1 Gbps at Plan 9499. All plans are bundled with unlimited data with no data cap and free access to Spotify, NBA League Pass, and HOOQ. The new pricing scheme effectively puts the Philippines

Pag-IBIG outsources customer service to Teleperformance for P194-M THE state-owned Home Development Mutual Fund, more popularly known as PagIBIG Fund, has outsourced its customer service operations to Teleperformance in a twoyear P194-million deal. Pa g - I B I G p r e s i d e nt Darlene B erberabe said outsourcing their contact center operations will mean

cost savings as they previously spent P377 million for their in-house operations, and better focus on their loan operations. “Because contact center is really not our core function, by outsourcing this we will be able to improve our lending activities through better pag-ibig/PAGE 10

at par, if not better, against other countries such as USA, Thailand, and Indonesia in terms of affordability of broadband services. With its commitment to reach more customers, Globe is making its new Platinum Broadband Plans at less than half than its previous price offering. “We are ver y excited to offer our new Platinum Broadband Plans as our way to provide Filipinos, one area at a time, with highquality broadband services that need not be costly. We offer a full range of best-value broadband plans from 50

Mbps to as much as 1 Gbps now made more affordable and accessible, complete with value-for-money plan constructs that include exclusive perks and privileges, freebies, and premium device bundles for a world-class internet experience like no other, perfect for today’s fast-paced and digitallyconnected lifestyle at home,” says Gilbert Simpao, Senior Vice President for Consumer Broadband at Globe. By October 24, 2015, the 50 Mbps and 100 Mbps plans will be initially available in over 80 Platinum-covered

sites in select key areas within Ortigas, Taguig City, Alabang, Makati, Eastwood, Rockwell, Mandaluyong, Pasay, Pasig, San Juan, Muntinlupa, Las Pinas, Paranaque, Manila, Q u e z on C it y, and St a. Rosa, Laguna. On the other hand, the 200 Mbps planis initially offered in Green

Meadows, Acropolis, White Plains, Forbes Par, Bel-Air Village, Urdaneta Village, Ayala Alabang, Alabang 400, Southbay Gardens, The Amaryllis, San Lorenzo Village, Serendra, Abrio Nuvali, and Ayala Greenfield Estates. globe/PAGE 11

Lafarge renamed Republic Cement & Building Materials, Inc. A CEMENT company that traces its origins to the 1950s will be changing its name yet again to reflect the entry of its new owners -- the Aboitiz group and its foreign building materials partner. In a special meeting yesterday, stockholders of Lafarge Republic, Inc. approved the change of the company’s name to Republic Cement & Building Materials, Inc. The company last changed its name in June

2012. Erramon I. Aboitiz now bears the title vice-chairman, while Sabin M. Aboitiz is one of the directors along with Manuel R. Lozano, Peter Joseph Buckley, Roman V. Azanza III, Peter James Edwards, Dong Hoon Lee, Wigberto E. Tañada and Benjamin I. Ramos. Ma . Ru by S a r a h S . Nitorreda, corporate secretary, confirmed the outcome of the vote. She

also said that the company’s board of directors had been delegated the authority to appoint a new independent auditor for this year. She did not confirm whether the company will be pushing through with a plan to delist from the stock exchange, as it previously said. She said, however, that no application has yet been filed with the securities regulator. In September this year,

a company jointly owned by Aboitiz Equity Ventures and Irish building materials company CRH Pls completed the acquisition of Lafarge. CRH has partnered with AEV for the investment to comply with foreign ownership rules in the P h i l ippi n e s . T h e Ir i s h company is also taking over some of Holcim Ltd. and Lafarge SA’s businesses in Europe, Canada, and Brazil as lafarge/PAGE 10


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Older and Better

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Opinion

2013 ppi’S Best in Business and Economic Reporting

YOUR DAILY Mindanao-wide BUSINESS NEWSPAPER

hin k a minute… An older man I know was walking back to his office after eating lunch. On the way back he met a friend, so he stopped and they talked a few minutes. As they were saying goodbye to each other the old guy said to his friend: “When we met just now, which way was I walking? To my office or to the restaurant?” His friend answered, “You were walking to your office.” The old man smiled and said: “OK, I guess that means I’ve already had my lunch, so I better get back to work now.” That poor old guy’s memory was so short, he really didn’t know if he was coming or going! It seems no matter how hard we try, none of us can stop from getting older. Aging is a natural law and process we simply can’t stop or change. We can exercise, eat only healthy food, take vitamins, use all the best lotions and oils on our skin, but we’re still getting older every day. And if it’s true that our memory is the first to go, then I know I’m well on my way! It’s sad that many people become grouchy, mean, or impatient as they grow older. But in fact, it should be

THINK

A Minute

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Display of Faith

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rust or reliance? What means faith for you? To say it clearly: without faith we are really nothing. Faith is belief; believe in us, beliefs in our works, talents and personalities. We also should believe in our parents or better, in the whole family including the black sheep, who can be found everywhere. We should also believe in our friends, even sometimes it seems to become a very difficult task. A friend? A real friend? An expatriate friend...? Without faith, we will be reaching the rock bottom. Please don’t say, it’s a likely story. The German poet Johann Christian Friedrich von Schiller (1759-1815) mentioned in his drama “Maria Stuart”: “Even the

word might be dead, but faith keeps it alive.” Yes, I can live with this. Faith and hope belongs t o g e t h e r. In h i s b o o k “Through the Valley of the Kwai”, Scottish officer Ernest Gordon wrote of his years as a prisoner of World War II. The 6’2’’ man suffered from malaria, diphteria, typhoid, beriberi and jungle ulcers. Many circumstances quickly plunged his weight to less than 100 pounds. Lying in the dirt of the death house, he waited to die. But every day, a fellow prisoner came to wash his wounds and to encourage him to eat parts of his own rations. As this fellow prisoner nursed Ernest back to health, he talked with the agnostic Scotsman of his own strong faith in God and

showed him that, even in the midst of suffering - there is hope - and faith! Faith is indeed tantamount to convincing and conviction. Richard Wagner, a German classical composer and poet found the following lyric: “Blessed are those people, who know how to life their life in humility and faith!” Well, let’s even continue believing in our government. Faithful hope is loyal, reliable, exact and honorable. Faith looks beyond the transient life with hope for all eternity. The hope we read in scripture is not a wishy-washy optimism. First and second Chapter of Thessalonians, for example, give encouragements to all Christians, who have been undergoing persecution for

H ave M y Say

Klaus Doring

their faith. And, Corinthians 13:2 says: “If I have faith it can move mountains!” +++ Email:doringklaus@gmail. com or follow me in Facebook or Twitter or visitwww. germanexpatinthephilippines.blogspot.com or www. klausdoringsclassicalmusic. blogspot.com .

Unforgettable election campaign experiences

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ith the onset of the election fever, I can not but fondly recollect some of my own unforgettable election experiences. They happened years ago when I took to the campaign trail either for myself or my party’s candidates. I first took office in 1986 as one of the many Officers-in-Charge (OICs) of President Corazon C. Aquino. Post 1986, I first got involved in the election campaign of the late Lulu Teodoro. She was running for Congress in the former joint congressional district of Las Pinas-Muntinlupa. She was President Cory’s candidate . As a show of support, I personally joined Ms. Teodoro in most of her sorties. One day, we campaigned inside the premises of a big factory along the South Super Highway. The welcome was warm. A senior officer of the company accompanied

Ms. Teodoro at the factory assembly line. Before we left the premises, the officer handed Ms. Teodoro a sealed envelope containing a “modest token of the company’s support”. Ms. Teodoro thanked the officer and we proceeded to the next campaign stop. Twenty minutes later, a less senior officer came running after us. He was very profuse in his apologies. He retrieved the previous envelope and handed Ms. Teodoro another one. As we found out later, the previous envelope contained a check payable to the rival candidate!! T he fol l ow i ng ye ar, it was my turn to run. I sought election as Mayor of Muntinlupa. As was customary, the preferred mode of campaigning in our town was house-to-house. O n e d ay, we we re campaigning along the railroad tracks in Sucat,

the northernmost barangay o f Mu nt i n l u p a . I w a s accompanied by all the party candidates from vice mayor to the councilors. I was much younger then and I could easily work both sides of the railroad tracks. I did not mind the scorching afternoon sun as I tried to pump as many hands as I could. It was heartwarming and re-assuring to hear from the constituents their words of support. Then, an old man whom I approached told me: “I am sorry I can not vote for you.” Having recovered from the shock, I asked him: “Why, Lolo? Do you not approve of the way I ran Muntinlupa?” “You are OK, Mayor,” he said. “But you see, this is already Taguig!” Kris Aquino, who was just starting her career in show biz, made a surprise visit during one of our small evening plaza meetings. She

SPEAKING

O ut

Ignacio Bunye sang a couple songs to the delight of the crowd and then delivered her spiel “Ang sabi ng Mommy ko, iboto ninyo si Toting. Basta si Toting, Magaling!” My gut feel, prior to that point in the campaign, was that the local election would be closely contested. After Kris’ appearance, I felt that I began to surge ahead. But the big moment came when President Cory, herself, showed up during bunye/PAGE 10

“A proposal for change in governance” Jhan Tiafau Hurst just the opposite. As we grow older, we should grow sweeter, kinder, more gentle and accepting of others’ faults. We should become more compassionate and understanding of other people’s needs and problems, since we’ve learned how easy it is for us to make mistakes. We should just become more caring and forgiving. Friend, if you want to get better with age, then today you can ask Jesus Christ to forgive you and take full charge of your heart and character every day. He’s the only One Who can help you start changing daily into the person you really want to be. That’s how you can enjoy even more the second half of your life, as you grow older—and better. Just Think a Minute …

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IFE’S INSPIRATIONS: “…Woe to the wicked! Disaster is upon them! They will be paid back for what their hands have done…” (Isaiah 3:11, the Holy Bible). -ooo “A PROPOSAL FOR CHANGE IN GOVERNANCE”: Guillermo Cunanan, former general manager of the Ninoy Aquino International Airport, a member of the Philippine Military Academy (PMA) Class of 1966, and an active leader of the Association of Generals and Flag Officers (AGFO), asked me sometime ago to comment on a document he entitled “A Proposal for Change in Governance”. I am unaware why Cunanan would want a comment from a lawyercolumnist-broadcaster like me, but I considered it an honor to be even asked my opinion on a matter that the

Philippines and the Filipinos clearly needed to ponder on, especially because it affects their lives and the lives of their families as well, here and in the near future. Or, perhaps, Cunanan and whoever may have been with him in coming out with that proposal had somehow read, or have become aware of, my advocacy of constantly reminding our people of some Biblical and spiritual guidelines on electing our political leaders, right here in this column, that he considered me worthy to say something about what they have in mind. -ooo IT IS TREASON NOT TO DO ANYTHING TO STOP RP’S DESTRUCTION: Well, whatever the reasons may have been, I wish to share the first part of the proposal with our readers today, particularly because

it explains why Cunanan and those working with him believe that there must be a radical change in our country’s political system. “It is treason not to do anything about our country’s continuing journey to destruction,” Cunanan intoned. Read on: “The Philippine election system, as has been widely acknowledged, is a flawed system that produces mostly dishonest and selfish government leaders. It is flawed not only in the sense that the counting of votes is conducive to rampant manipulation. “Our present system also essentially requires every candidate to spend an unreasonably huge amount of money for his campaign. A presidential candidate, for example, necessarily has to set up a huge campaign network that requires enormous amount of money to run

K akampi

Mo A ng Batas

Atty. Batas Mauricio effectively. So does every senator, congressman and governor. -ooo ROUTINE OF POLITICAL SPENDING, CHEATING AND SDTEALING IN RP: “First in the mind of every newly elected politician is how he shall recover his election expenses. After he has recovered his investments through illicit and immoral batas/PAGE 10


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Vice Governor Pelaez wants public-private partnership for unfinished school buildings investigated M I S A M I S ORIENTAL – In a move to find out the reasons for the delay in school building constructions in the Province, Vice Governor JOEY G. PELAEZ invited various representatives

from the Department of Education (DepEd) and the contractors of the Public-Private Partnership project to construct schoolbuildings. This was af ter Vice Governor Pelaez personally discovered that several

school buildings constructed under the PPP project were left unfinished and some have not even started. During his book distributions in the different schools in the Province, teachers and administrators complained to him about

UNFINISHED SCHOOL BUILDINGS IN MISAMIS ORIENTAL – VICE GOVERNOR JOEY G. PELAEZ takes down notes during the discussions in the Sangguniang Panlalawigan regarding the unfinished classrooms of the Department of Education under the PublicPrivate Partnership Project of the National Government.

the undue delay on the construction of classrooms which Vice Governor Pelaez saw first-hand. For instance, in Linangkayan Elementary School, construction has started last year but after a few months, the construction s t opp e d . T h e f l o or i n g already cracked and dusts come out every time students step on it. In Laguindingan National High School, a 2 storey – 4 classroom building was constructed starting last year. Until now, the building lies there unfinished and unused. The same is true with Initao Central School. Lastly, classrooms in Jasaan National High School were also constructed starting last year but were left by the workers unfinished. Due to congested classes, teachers are already using them to decongest the classrooms. “Have I not personally distributed books in the different schools in the province, I will not see the gravity of this problem. Te a c h e r s h a v e b e e n complaining to me about these projects, saying that

they are way beyond their completion dates,” Vice Governor Pelaez said. During the 34th Regular S ession of the Sanggunian Panlalawigan last 21 September 2015, Vice Governor Pelaez invited several personnel from DepEd and the contractors of the PPP projects to shed light on the issue. Among those who came were Engr. Jerry Asilo and Engr. Mariafels Trompeta from DepEd Region 10, Engr. Sandy Simo from DepEd MisOr, Engr. Winston Idulsa from DepEd Gingoog City, Mr. Rodello Choresca and Eric Gemora from BSP-VTL JV Consortium. During the session, it was revealed that the PPP project was awarded last O c tob e r 2 0 1 3 an d t h e target completion date is supposed to be on April 12, 2015. Sadly, many of these classrooms are not finished and left unattended. Representatives from the contractors said that the reason for the delay is the terrain of some schools.

Some are hard to reach and some are not even accessible to transportation. B u t Vi c e G o v e r n o r Pelaez did not accept the explanation saying that this is applicable only to those schools in the mountains but not in very accessible areas such as Laguindingan National High School. “I am ver y dismayed over t he long delay of these constructions! These unfinished classrooms in the Province give great inconvenience to teachers and students. It also cast doubts on the preparedness of the schools for the K to 12 Program of DepEd,” Pelaez exclaimed during the session. Vice Governor Pelaez wants these delays in school building construction investigated so that the national government will be able to fast-track implementation of PPP projects respecting school buildings. He also said that someone should answer for this injustice to teachers and students.

Working student is exemplary child of NorMin By Oliver B. Inodeo, DSWD

Cagayan de Oro City --- A working student has been hailed as the Exemplary Pantawid Pamilya Child 2015 of Northern Mindanao here. Angel Anne Marie Jabian, 14 of Purok 2, Mitazan, Aloran, Misamis Occidental, bested other four provincial representatives during the two-day search here recently. A daughter of a farmer, Angel disclosed that the income of her parents is not sufficient to support her daily fare in going to her school, Aloran Trade High School, from her house, that’s why she volunteered herself to become a working student

to one of her relatives living near the school. Angel’s residence is relatively far from the school and she would spend P30 a day for her fare before. But, Angel is quick to add that she managed to balance her studies and household chores. A consistent Top 1 pupil from Grade 1 to Grade 6 dur ing her element ar y formation; Angel has never been absent from school despite her obligations as a working student. “I persevere to achieve my dreams and to become student/PAGE 10

GOVERNOR BAMBI EMANO GRACES PHILWATER 2015. Governor Bambi Emano serves as Guest Speaker during the Philippine Water Works Association, Inc. (PWWA) holding of the 23rd International Conference and Exhibition on Water Resources Management dubbed as PHILWATER 2015, October 22 at the Luxe Hotel. Gov Bambi speaks in front of over 500 guests and participants from all over the country about the beauty of Misamis Oriental and how thankful he is that PWWA chose to hold their big event here in the province. He also thank the PWWA for bringing in so much new technology and ideas which he believed would be possible answers to water system problems in the province. Also present during the event are PWWA President Engr.Roger Borja , PWWA Representative for Int’l Affairs & Convention Co-chairman Mr. Edgar Lopez, PWWA Director Joel Baldelovar and VP / Nat’l Affairs Convention chairman Mr. Romeo Garcia. photo courtesy of governor bambi emano’s facebook page


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PHL posts $219-M BOP surplus in September THE Philippines’ balance of payments (BOP) position - the sum of its total transactions with the rest of the world reverted to positive territory in September 2015, with a surplus of US$219 million. Data released by the Bangko Sentral ng Pilipinas (BSP) Monday showed that the September surplus is a turnaround from the $450-million deficit in August 2015 and is higher than year-ago’s $98 million. It broug ht the endSeptember BOP surplus to $1.81 billion, way better than the $3.4-billion deficit same period last year. BSP Governor Amando Tetangco Jr. traced the inflows

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last September to the central bank’s foreign exchange operations and income from its foreign investments. He s aid dep osits of the national government with the central bank also boosted the surplus and offset payments made by the national government for its foreign-denominated debt. ” This brought the cumulative surplus to $1.81 billion, making us poised to achieve our full-year projection of US$ 2 billion,” he said. ”The healthy BOP figure augurs well for stability in the foreign exchange market,” he added.

residing in the affected provinces are eligible to borrow if they are not on leave of absence without pay, have no arrears in paying premium contributions, and have no loans in default,” the state-firm said. “First-time borrowers may apply for a P20,000 emergency loan. Those with existing emergency loan may borrow P40,000, from which their loan balance will be deducted,” it added. GSIS said the loan is payable in three years or 36

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Bangko Sentral tightens rules on financial institutions

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HE Bangko Sentral ng Pilipinas (BSP) has introduced more stringent rules for BSP-supervised financial i n s t i tu t i o n s ( B S F Is ) , particularly on treasury activ ities, and the fit and proper rules in a bid to address operational risks and align these to international standards. In a statement, the BSP said its polic y-making Monetar y B oard (MB) approved on 15 October 2 0 1 5 n e w re g u l at i on s t h at e x p e c t f i n a n c i a l i nst itut i ons “to a c t ethically and with utmost

integrity, especially in the context of their active participation in financial markets.” It s a i d t h e h i g h e r st and ards were put in place as the BSFI’s treasury activities may have lapses that “may bring about s i g n i f i c ant l o ss e s and exposures to compliance and reputational risks.” It explained that the rules “highlight the key role played by the Board of Directors and Senior Management in setting the tone at the top and establishing standards of good behavior, including

GSIS offers emergency loans in typhoon-ravaged provinces THE Government Service Insurance System (GSIS) has allotted over P584 million for emergency loans in Benguet and Kalinga and more than P197 million in Abra to pension fund members recently hit by typhoon Ineng (international name: Goni). In a statement, GSIS said it is offering emergency loans to 28,035 members and 5,019 old-age pensioners in the areas battered by the typhoon last August. “Active members working or

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equal monthly installments at 6% interest per annum and is covered by a loan redemption insurance, which deems the loan fully paid in case of death of the borrower, provided that the loan repayment is up to date. The deadline for application is Oct. 31 for Benguet and Kalinga, and Nov. 1 for Abra. Active members of the pension fund may apply for the loan through the GSIS Wireless Automated Processing System kiosks in any of GSIS’s

42 branch offices, 14 extension offices, and 58 service desks; provincial capitols; city halls; municipal offices; large government agencies such as the Department of Education; 27 Robinsons Malls; and SM Super Malls in Manila, Pampanga, and Cebu, GSIS added. The pension fund saw its net income plunge to P29.6 billion in the first half from P94 billion due to volatilities in the equities market, putting it further behind in its P65-billion income goal for 2015.

adherence to market conduct rules.” ”BSFIs are expected to have codes of conduct specific to the treasury unit, in addition to any institution- or industrywide codes that personnel adhere to, and policies and procedures to ensure that the provisions of the code are upheld,” it said. The new regulations will clearly differentiate t h e t r e a s u r y u n i t ’s functions and to separate the conflicting duties such as riskt a k i ng and re c ord i ng , and reconciliation and settlement. ” The BSP likewise expects BSFIs’ control functions, namely risk management, compliance, and audit, to regularly and actively participate in the oversight of treasury activities,” it said. ”Non-compliance with the regulations will lead the BSP to deploy the appropriate supervisory enforcement actions, in the manner s et out in the BSP Super visor y Enforcement Policy under Circular No. 875 dated 15 April 2015,” it stressed. Relatively, the central

b a n k i nt ro d u c e d n e w qu a l i f i c at i on s for t h e appointment of the BSFIs’ officers and directors. The new qualifications require a would-be official to be assessed based on his “integrity and probity to his reputation in the market, as wel l as his ability to comply with market conduct rules and the requirements of other regulatory bodies beyond the BSP.” The central bank c ons i d e rs it “t i m e ly to introduce a new perspective in the overall evaluation of a person’s fitness and propriety to assume a dire c torship or officership by giving more importance to displayed behaviors rather than a checklist of requirements.” T hus , “t he e x ist i ng criteria have been supplemented by skills and, for directors, independence of mind and sufficiency of time.” The BSP s aid t hes e requirements were stated in the Basel Committee on Banking Supervision’s recent guidance dubbed “Corporate governance principles for banks.”


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Puregold opens in Valencia City, Bukidnon today

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uregold has an unmatched customer service anchored on its advocacy to provide Filipinos with their complete shopping needs and best value for their hardearned money. Puregold is also known throughout the country for its reasonable prices and wide assortment of items. It consistently continue its unwavering commitment to uphold consumer and retail excellence in the service of the Filipino people.

It will also further strengthen its solid relationship with the people of Bukidnon. For over a decade, Puregold has successfully established a well-trusted and respected reputation in the Philippines as a provider of the best hypermarket shopping experience for every hardworking Filipino consumer. PUREGOLD PROMOS Entrepreneurs may now have an access to Puregold Tindahan ni Aling Puring (TNAP). TNAP is

Puregold’s customized program to provide quality products and profitable business opportunities for every Filipino family. TNAP is designed specifically for small and medium scale entrepreneurs, which include sarisari store owners, karinderya/ canteen owners, caterers, and other kinds of resellers. End-users or non-business owners may also avail of Puregold Perks - another loyalty program by Puregold that is open to all

shoppers who are 18 years old and above with a minimal membership fee of P100. It can earn points every time they shop at Puregold. Points earned have an equivalent peso value and may be used to purchase at any Puregold store. Along with these loyalty programs, Puregold strives to continuously give the best price and offers to its customers. For the grand opening of Puregold Valencia, Bukidnon, the store will offer Buy 1 Take 1” on selected items. Also, customers

may join the “Ikaw na ang Maging Milyonaryo Anniversary Promo” wherein customers weekly gets the chance to win up to 1 Million Pesos. Promo runs until November 30, 2015. And this October Puregold have launched the 100 Papremyo! 100% Saya Promo wherein cars and appliances will be given away to 100 lucky shoppers. PUREGOLD SERVICES For other services, Puregold launched the PurePadala. With PurePadala, the money that every OFW remits

goes directly to the basic and most important necessities of their families: food, tuition and utilities, loan payments, and even as start-up capital for sari-sari store businesses among many others. Puregold calls this “responsible remittance”. PurePadala ensures that the money OFW’s and immigrants send to their families will not be wasted. Puregold’s PurePadala will help and assure OFWs that all their sacrifices are worth it, one sure transaction at a time.


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SCG International Internship Program Helps ASEAN Students Explore Sustainable Industrial Career Paths A s ASEAN sustainable business leader, SCG has recently hosted an international internship program in Thailand for students in ASEAN countries, namely The Philippines, Indonesia, Vietnam, Myanmar and Cambodia to professionally groom the young generation through a one-month intense yet fruitful internship program. Vince Lui A. Cruz is one of the students who joined this program. After studying chemistry for three years at the Faculty of Engineering, University of Santo Tomas in Manila, Vince received an opportunity that provides him with the mentorship, professional skills and hands-on experience directly related to his major study. That is the opportunity to do an international internship at SCG. One of the first of its kind, SCG International Internship is 2nd and 3rd year college students’ life-work solution as it provides all support every business professionalto-be’ needs in order to reach his or her dream experience. In 2015, this unique internship has brought the 34 selected ASEAN students’ dream to explore a real businessenvironment to reality. When Vince enrolled SCG International

Internship program and was assigned to work for SCG Packaging unit in Ban Pong District in Ratchaburi Province of Thailand, he recognized the assignment was quite challenging yet interesting. “At the beginning of the program, I had to start from scratch because I knew nothing about paper packaging process, but all mentors at SCG were so good at providing me with opportunities to learn how to control and optimize the paper packaging production,” said Vince. Together with SCG’s professionals and its century-long business experience, its team assists each college studentprofessionally from giving knowledge-based support to grooming each international intern in his or her own unique way.In order to prepare these young bloods from different characters, strengths, and backgrounds for the upcoming launch of AEC. Meanwhile, in the cross-cultural working environment at SCG, though Vince settled on wanting to work on his packing assignment, he started to learn how to communicate with the Thais. “SCG International Internship program was the thing I had been waiting for because the program had selected some Thai interns to work

with us, so it is fun to spend our time together learning Thai culture and language. First, the Thai trainees help me to communicate with Thai people who don’t speak English. Later, I’ve learnt to speak some Thai and it works! That’s such an amazing experience,” he said. Apart from being excited with his new working environment at SCG inRatchaburi, while participating in the internship, Not only was Vince thrilled to PM16, the world class containerboard production line adopted at SCG, but he also grasped the application of the technologies SCG is developing and learnt how they works. “At first I was terrified to see the big machine as it’s quite loud, but my SCG mentor taught me step by step how to control the machine to optimize the production process. Also, all machines in SCG facilities are those of world class standards. So, I feel safe working there.” Vince added. The most unique feature of the program in Vince’s view is that students undertake to get hands-on experience in a specific career area and work-life balance in Bangkok which could be represented by the concept of ‘YOLO’ (You only live once). He is also inspired by common interests among ASEAN

participants with different cultures and languages including dinning and travelling. SCG always believes in good corporate governance and sustainable development for the better living of everyone. During this one-month internship, lots of extracurricular activities were meticulously hosted for students. Therefore, not only did Vince gain experience working in SCG Packaging unit, but he also learnt how to apply knowledge from the internship in his real life after he get back to the Philippines. “For industrial work, it’s all about analytical skills and productivity especially in chemical engineering field. This internship has taught me how to optimize the production process and allowed my analytical skills to grow even more,” said Vince When asked what he likes most about SCG, Vince replied that Thai people play a major role in building community among ASEAN college students which reflects SCG’s ultimate vision of being ASEAN sustainable business leader. From the threeyear past records, SCG International Internship has helped a number of international interns from ASEAN region in creating a social circle by connecting the seniors with the juniors. SCG

SSS launches thru-the-web issuance of social security numbers Workers who need to apply for their own Social Security System (SSS) membership n u m b e r, a m a n d a t o r y requirement of private sector companies and household employers, can now do it electronically through the SSS website (www.sss.gov. ph) instead of lining up at SSS branches. R enato Ma lto, SSS Officer-in-Charge of the Service Delivery Department, said among those expected to benefit f rom t he t hr u-t he-web issuance of social security or “SS” numbers are millions o f c u r r e nt a n d f u t u re Filipino workers starting their employment in the private sector, households or overseas. “We also accept online SS number applications from self-employed people such as entrepreneurs, freelancers and informal sector workers. Those eligible for voluntary SSS membership, such as overseas Filipino workers (OFWs) and non-working spouses of active SSS members, can also apply

for their own SS number through our website,” Malto said. The web-based issuance of SS numbers offers an e a s i e r an d m o d e r n alternative for workers aiming to register with the SSS. Previously, workers can only secure an SS number by personally applying for it at SSS branches. Ma l t o s a i d t h e S S S has adopted a two-phase application pro cess for the online issuance of SS numbers. The web system will initially verify if the applicant already has an existing SS number using the full name and birth date given by the worker, who must also provide an email address as part of the first phase. “O n c e t h e S S S h a s determined that the applicant has no previous SS number, the web system will prompt the worker to provide additional details during the second phase such as the home address, contact information, marital status, and names

of the spouse, parents and children,” he said, adding that the applicant would be notified of the results of the first and second registration phases through email. Workers wit h an SS number issued through the SSS website can use it for paying their monthly SSS contributions. The issued SS number would be considered as “temporar y,” and the worker has to convert it to permanent status by presenting any accepted supporting documents such as the birth or baptismal certificate or valid passport to any SSS branch. “Once the worker has successfully changed the

temporary SS number to a permanent one, it can be used to file for various S S S b e n e f it s an d l o an privileges, as well as to apply for the UMID [Unified Multipurpose Identification] card if at least one monthly contribution has already been posted,” Malto said. In 2014, nearly 2.3 million manual application forms for SS numbers were received at SSS branches, including 1.67 million E-1 forms for regular and household employees; 583,146 RS-1 forms for selfemployed workers; 20,458 OW-1 forms for OFWs; and 5,517 NW-1 forms for non-working spouses of SSS members.

believes that not only our own achievements are important, but also the social circles among young adults in ASEAN countries. Therefore, SCG International Internship aims to give guidance to our interns and help

in character building because of the belief in ‘the value of individuals’, one of SCG’s business philosophiesto portray an important of human development to the organization.

K-12 Education System In The Philippines By Juan Bacang Jr. Head Teacher I Imbayao Elementary School

The implementation of the K-12 plan in the Philippine Basic Education Curriculum is the key to the nation’s development. T h e g ov e r n m e nt m ay face many problems as it implements the program over the course of several years; it is a necessar y improvement since increasing the equality of education is critical to the nation’s success. The goal of the new c ur r i c u lum is to g ive Filipino students enough time to master skills and concepts so that they are ready for tertiary education when the time comes. Wit h K-12 e ducat ion, students are equipped with sufficient instructional time for subject-related tasks, making them more prepared in every subject area. Filipino graduates would also be automatically recognized as professionals abroad because of following the international education standard as practiced by all

nations. The K-12 education plan offer solutions to many problems in the country. It’s been 2 years since the implantation of K-12 in the country started and now schools are gearing up to open the application for senior high school students. This is another challenge yet to be overcome but somehow it will all work out with all the support of public and private sectors. As 2016 draws near, the full implementation of the program is fast approaching. Thus, adding more teachers and building cl a ss ro oms shou l d b e prioritized to successfully initiate the program and for the betterment of the learning environment. The K to 12 Program is just the beginning of what the entire Filipino citizen hope to be the answer to the Philippines’ comeback to the global stage, and a sustained path toward progress and development for its people.


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Pag-Ibig... from page 3

focus,”Pag-IBIG president Darlene Berberabe. Berberabe said Te l e p e r f o r m a n c e a l s o committed to higher service level agreements, such as improvements in responding to calls and answering queries through email and chat. Teleperformance will fully assume call center operations for Pag-IBIG’s 15.6 million members starting December through a 24/7 operation that will cater to member queries through calls, email, and chat on their savings, as well as status and verification of their loans.

Lafarge... from page 3

part of moves to bag antitrust regulatory approval for the merger. “Post-acquisition integration activities are exp ected to commence prompt ly in t he ne w ly acquired businesses,” AEV said in a previous disclosure.

Bunye... from page 4

our “miting de avance”. She told a crowd of thousands gathered at the Alabang jeepney terminal: “Kung pipili ako ng 5 pinakamahusay kong OIC, makakaseguro kayo na isa doon si Toting.” With the vaunted “Cory magic”, it was all over but the shouting. Once, President Fidel V. Ramos visited Muntinlupa City Hall to proclaim his official candidates for the 1995 local elections. Over coffee, and his trademark unlighted cigar, FVR gave his anointed candidates precious tips on how to campaign. “I call this 4K,” FVR

started. “First K. Kawayan. Wave at the people. By waving you immediately establish contact with them even from afar. “Second K. Kamayan. Up close, shake their hands. Your hand shake must be firm. While shaking hands, don’t forget the eye contact. “Third K. Kumustahan. While shaking hands, ask a general question about t h e f am i l y. Eve r y b o d y appreciates being asked about his/her loved ones. “And don’t forget the last K. Kodakan. Filipinos are very fond of picture-taking.” “4K is a sure-fire formula,” FVR said with a wink and a ‘thumbs up’. Those were exciting times indeed. Note: You may email us at totingbunye2000@gmail. com.

Batas... from page 4

use of his newly acquired power, he then works to similarly generate funds for the next elections. By this time, he would have lost all his scruples. “Once he has saved enough to ensure his re-election, stealing would have become a habit. He then goes on to endlessly acquire more and more, in order to continuously satisfy a luxurious lifestyle he has, by then, made a part of his social and political status.“Since almost all of our political leaders go through this route of political spending, cheating and stealing, we continuously suffer from corrupt leadership. After all, what can we expect of a nation led mostly by thieves and cheats?” There is more of this next issue. -ooo PLEASE LISTEN: “Ang Tanging Daan” (The Sole

The importance of class attendance

Way): a Bible study and prayer session online could now be heard, 24 HOURS a day, in the Philippines and the world at www.facebook.com/ angtangingdaan or www. facebook.com/ANDKNK (For ANDKNK, look for “Ang Tanging Daan” broadcasts). Phone: 0922 833 43 96, 0918 574 0193, 0917 984 24 68. Email: batasmauricio@yahoo. com.

Student... from page 6

successful in the future,” Angel said during her first radio interview in a local station here. Good example to others When asked about her passion, Angel disclosed that she wants to become good example to others. “I want to be different from others in a good way because I know, I am unique. I want to become a good example to others,” Angel said. Ser ving as the newly ambassador of children’s rights in Northern Mindanao, Angel is overwhelmed by the support from her family, school administrators, local government unit, and other stakeholders of Pantawid Pamilyang Pilipino Program in Misamis Occidental. “It’s worth the hardwork and diligence that I have invested. I owed back this to Pantawid Pamilya, my mentors, my family, my friends and to my God,” Angel said, adding that she is a proud beneficiary of Pantawid Pamilya. Changes in life Everday, Angel’s father, Rey, will visit and cultivate the family’s ricefields while her mother Mariter will take care of her and her elder sister. Either under the heat of the scorching heat of the sun or under a heavy downpour, Angel’s father has to work hard to support the family’s need. “Honestly, every afternoon when I got home from school

in my elementary years, I can see from my naked eyes that my father is really tired from work. I felt guilty of it,” shared Angel during the radio interview. “Sad to say, his income is not enough for my needs. At that moment, I was losing hope to finish my studies. Until such time when we became a beneficiar y of Pantawid Pamilya,” added the teary-eyed Angel. Angel’s family became benefiary of the program in 2011. “Pantawid Pamilya is a great help to my family. I can already buy the materials and supplies needed for my projects on time. Because of Pantawid Pamilya, I achieved good grades and I maintain my top post,”said Angel. Aside from that, Angel told us that, “Pantawid helped educate my parents and other beneficiaries in terms of livelihood, halth and wellness, education for children and many others.” As it is, “I am always been grateful to DSWD and all other government agencies which helped us fight poverty.” Meanwhile, Rosa Bianca Galos of Mambajao, Camiguin and Regine Dablo of Lagonglong, Misamis Oriental have earned the second and third spots, respectively. The contender were ju d ge d b as e d on t he i r b ehav i or and pr a c t i c e, talent, intelligence and wit, community and school participation, and Kaya Koa ng Pagbabago (I am capable of change) presence and appearance. The search is conducted to recognize the children beneficiaries of the program who set examples at home, in school, and in their community. It is one of the strategies of Pantawid Pamilya to encourage the children to nurture habits and values that would mold them to good and active citizens.

By Juan Bacang Jr. Head Teacher I Imbayao Elementary School

Class attendance is important for a student for his learning is more enhanced while in school. It is where he achieve more explanation and further understanding in his lessons. In classes, there is a teacher who will teach him and there are classmates to whom he can interact with, in order for learning to be more productive. In addition, there is an appropriate environment in schools that responds to a student’s learning needs like libraries, science laboratories, computer laboratories and so many others. Moreover, a student can find peace and quiet place to study since learning is a priority in schools. Thus, learning in this place is effective and efficient. Student behaviors are also formed more in schools. It is due to the

factCAGAYAN that school is BRANCH one of DE ORO MAIN P & J Lim Bldg., Tiano Brothers Kalambagohan Sts., the places a student find Tel. # (08822) 727-829 * # (088) 856-1947 venuesTelefax where he could be CAMIGUIN BRANCH corrected and reprimanded. B. Aranas St., Poblacion, Mambajao, Camiguin Tel. # (088) 387-0491 It is alsoCORRALES a home wherein BRANCH Corrales Ave., Cagayan de Oro City he is punished and also DIVISORIA BRANCH rewarded. Atty. Erasmo B. Damasing Bldg., #61 Don A. Velez St., Cagayan de Oro City Tel. # (088) 857-3631 Furtherly, a student’s LAPASAN BRANCH attendance in class truly Lapasan Hi-way, Cagayan de Oro City # (088) 231-6739 mattersTel. because when a CARMEN BRANCH Vamenta Blvd., Cagayan de Oro City child does, it is not just Tel. # (088) 231-2011 his mind that is being set but as well shape his attitude, build paradigms and principles and create passion and dreams. It is in school where he further learn more on good things and bad things. T h e at t e n d a n c e i s important because students are more likely to succeed in academics when they attend school consistently. It is difficult for the teacher to build their skills and progress when a student is absent more often than not.

CDO MAIN BRANCH P & J Lim Bldg., Tiano Brothers Kalambagohan Sts., Tel. # (08822) 727-829 * Telefax # (088) 856-1947

DIVISORIA BRANCH Atty. Erasmo B. Damasing Bldg., #61 Don A. Velez St., Cagayan de Oro City Tel. # (088) 857-3631

CAMIGUIN BRANCH B. Aranas St., Poblacion, Mambajao, Camiguin Tel. # (088) 387-0491

LAPASAN BRANCH Lapasan Hi-way, Cagayan de Oro City Tel. # (088) 231-6739

CORRALES BRANCH Corrales Ave., Cagayan de Oro City

CARMEN BRANCH Vamenta Blvd.,Cagayan de Oro City Tel. # (088) 231-2011


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Infra... from page 1

farm-to-market roads remain the most soughtafter projects. “We are happy with the response of our LGU partners. Together, we [can] ensure that each project is done with quality and follows the agreed harmonized procedures between the national government and the World Bank,” said Ms. Satorre. Ne arly half of t he submitted sub-project proposals were from local government units (LGUs) in the southern island of Mindanao, according to Arnel V. de Mesa, PRDP national deputy director. The six-year PRDP, a Wo r l d B a n k - f i n a n c e d program with the Department of Agriculture (DA) as lead implementing agency, is an expanded version of the Mindanao Rural Development Program, that was completed last year. A total of 343 infrastructure projects have so far been submitted and reviewed with a proposed budget of P21.4 billion. The P27-billion PRDP fund, however, only has P18 billion allocated for infrastructure projects. A n a d d it i on a l $ 5 0 0 million (about P23 billion) budget has been submitted by the DA to the World Bank to cover more proposals, but the funding agency has yet to decide on the request. Un d e r t h e P R D P ’s Intensified Build Up of Infrastructure and Logistics for Development (I-BUILD) component, assessments are being undertaken to ensure that the projects that will be rolled out are climate resilient. Of the approved projects since the PRDP launch late last year, one potable water supply system with a budget of P4.296 million has been completed, while 10 farm-tomarket roads with a combined length of 29.32 kilometers and an aggregated budget of P297.608 million are 50% complete, based on data from the DA’s Web site.

Camp... from page 1

during demonstrations in schools without electricity. The topics on the flash cards would delve around energy, which would be integrated into the English, Math, Science, Technology L i v e l i h o o d E d u c at i o n , Edukasyon Pantahanan at Pangkabuhayan and Values Education subjects. “We intend to educate the youth about energy – how it is harnessed and conserved – so they become responsible electricity consumers. The targeted beneficiaries are from fourth to tenth graders,” Tarayao said. By the end of the year, the public school students from Cagayan De Oro would join their colleagues from the cities of Batangas (Luzon)

and Dumaguete (Visayas) as pilot beneficiaries of the project, he said. “Over the long term, we hope to teach students the nature and proper use of electricity, which they would hopefully cascade to their friends and most especially their parents and siblings at home,” Tarayao said. (PNA) FPV/CD/MARK FRANCISCO

Haze... from page 1

and suspended particles may settle,” they added. The Philippine Atmospheric, Geophysical, and Astronomical Services Administration (Pagasa), on the other hand, issued a warning to motorists to be extra careful when driving due to the limited visibility brought about by the haze.. As of Friday morning, visibility was limited to just 10 kilometers, Pagasa’s Victor Flores Jr said. Like the DOH, Flores also advised the public to wear masks especially those who have pulmonary and respiratory diseases. Authorities said motorists “should exercise extreme caution whenever on the road to prevent accidents by using headlights/foglights; follow the required minimum speed level and extreme caution in low, visibility driving; and ensure that vehicle is in good running condition.” T h e E nv i r o n m e n t a l Management Bureau (EMB) of the Department of Environment and Natural Resources (DENR) and the DOH have yet to release result of several tests they conducted over the skies of Mindanao. While authorities have yet to determine the origin of the haze over most of the southern Philippine island of Mindanao and some parts of the Visayas region in the central Philippines, they did not discount the possibility that it indeed came from the forest fire in Sumatra that Indonesian have been battling since July. “ Thick smoke haze continued to engulf many parts of Sumatra with some of the haze spreading to the northern half of the Malay Peninsula. In Kalimantan, the hotspot activities could not be fully determined due to cloud cover and partial satellite pass. Nonetheless, moderate to dense haze remained visible in large areas of the Borneo Island. Some haze has also spread to the southern parts of the South China Sea,” the ASEAN Specialized Meteorological Centre website said in its Regional Haze Update as of 8:08 pm on Thursday (October 22). If indeed the haze over Mindanao comes from the forest fire in Indonesia, it can increase risks of respiratory tract infections and cardiac ailments, the DOH warned in its public advisory. Haze is an atmospheric condition where particles,

smoke, dust and moisture suspend in the air obscuring visibility. Sources of haze include emissions from power plants, industrial activities, traffic as well as farming practices such as swiden (slash-and-burn or kaingin, which is being practiced in ASEAN countries such as Indonesia and the Philippines). In Southeast Asia, haze poses a serious and recurring problem every year, particularly between May to October, due to the burning of forests in some countries to clear land. Haze cont ains dust, smoke particles and air pollutants such as sulfur dioxide, nitrogen dioxide, ozone, carbon monoxide and particulate matter which are suspended in the atmosphere causing a slight obscuration of the lower atmosphere. During forest fires, levels of theses particulate matters increase. Since these particulate matters are microscopic in size, they can go deep into the lungs and in some cases enter the bloodstream, the DOH said. Particulate matter less than 2.5 micrometer (PM2.5) in diameter can penetrate into the small air sacs of the lungs, thereby posing highest health risk. Short term exposure to these particulate matters can

aggravate lung diseases, can cause asthma attacks and acute bronchitis, and increase susceptibility to respiratory infections. Those suffering from heart diseases can also suffer heart attacks and arrhythmias when exposed to particulate matters even for very short periods. The Health department further said that particulate matters’ effect can be classified into local and systemic. Local effects are eye, nose and throat irritation. Also, people with history of sinus problems or sensitive nose are more likely to develop nasal congestion, sore throat and coughing. There may be increased incidents of skin irritation as well for eczema or other skin conditions. Systemic effects such as asthma attacks, bronchitis or worsening of heart diseases are more serious effects. Also, there have been suggestions that long term exposure to air pollution may rise to increase risk of cancer, the DOH warned. During the 1997 Southeast Asian, haze which affected a number of countries in the region, an increase in air pollutants from 50 to 150 μg/m3 was significantly associated with increases of 12% of upper respiratory tract illness, 19% asthma and 26% nasal inflammation. Mindanao cities started

Republic of the Philippines REGIONAL TRIAL COURT OF MISAMIS ORIENTAL 10TH Judicial Region Gingoog City OFFICE OF THE CLERK OF COURT & EX-OFFICIO SHERIFF NOTICE OF EXTRA-JUDICIAL SALE EJF NO. 208 Upon extra-judicial petition for sale under Act 3135 as amended by Act 4118, filed by FIRST VALLEY BANK INC., represented by Jamael M. Dangnan, Branch Manager, with principal address at Baroy, Lanao del Norte and a branch office at Barangay 22, Gingoog City, against Mortgagors Spouses SABAS & JOSEFINA BIÑA with postal address at Purok 1, Barangay 20, Gingoog City, to satisfy the mortgage indebtedness which as of September 30, 2015 have a m o u n t e d t o F O U R H U ND R ED T WEN T Y- T H R EE THOUSAND, THREE HUNDRED ONE & 67/100 (Ph 423,301.67) PESOS embracing the principal, interests and other charges, excluding foreclosure expenses, the undersigned Sheriff will sell at public auction to the highest bidder for CASH on December 2, 2015 at 8:00 O’clock in the morning up to 4:00 O’clock in the afternoon at the Office of the Clerk of Court, Regional Trial Court, Hall of Justice, Dugenio Street, Gingoog City, the following property with all the improvements existing thereon, to wit: TRANSFER CERFTIFICATE OF TITLE NO. T- 7410 A PARCEL OF RESIDENTIAL LAND (Lot 2-C, Psd – 10-009612, being a portion of Lot 2, Pcs – 10 -000433) situated in the barrio of Cabuyoan, City of Gingoog, Island of Mindanao, containing an area of TWO HUNDRED TWENTY-EIGHT (228) SQUARE METERS,more or less, registered in the name of Sabas Vina, Filipino, of legal age, married to Josefina Awayan. All sealed bids must be submitted to the undersigned on the above-stated date and time. In the event that the public auction will not take place on the said date, it shall be held on the next working day without further notice. Prospective bidders may investigate for themselves the Title herein above-described and the encumbrance therein, if any there be.

Gingoog City, October 2, 2015

FOR THE EX-OFFICIO SHERIFF BY:

(SGD.) DAN E. LABADAN Sheriff IV RTC-OCC Gingoog City

BWM: Oct. 26, Nov. 2 & 9, 2015

experiencing the haze on October 18, according to Pagasa during the 6th Regular Meeting of the Regional Disaster Risk Reduction and Management Council (RDRRMC) Technical Working Group. Pagasa said the southwesterly winds drove the smog from the Sumatra forest fires toward Mindanao where the haze became visible in most parts of the island.

Awards... from page 2

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2014 ppi’S Best in ENVIRONMENTAL Reporting

socio-economic program which gears up the city’s laborers. Likewise, mayor Guingona extended her appreciation to President Benigno Aquino III, TESDA Secretary Joel Villanueva, directors Edgar Sales and Leo Velez, Apao, Zarate for their support to her administration in skills training implementation. (Buboy Pabia, Gingoog city media bureau)

Globe...

mobility and creation of jobs. from page 3 “As the serving arm of Finally, the 500 Mbps and the City Mayor’s Office, 1 Gbps plans will be available our Community Training in Acropolis, Bel-Air Village, and Employment Center Forbes Park, Greenmeadows, ( C T E C ) i s v e r y mu c h Urdaneta Village, and White thankful to the present Plains for its initial roll-out. administration for giving All plans will be availablein importance to our jobless, more sitesover the coming out-of-school-youth, solo months as the telco’s fiber parents, Pantawid Pamilya network expands to more b enef ici ar ies, marg ina l areas nationwide. s e c t o r, u n s k i l l e d a n d Aside from fiber-fast other individuals seeking c on ne c t iv it y, Pl at i nu m for skills development and Broadband customers also get c ap abi lit y bui ld i ng for access to exclusive perks and personal consumption and privileges such as a dedicated future capital for sustainable P l at i nu m R e l at i on s h ip employment,” Apao said. Manager, dedicated Platinum She further expressed Hotline, and Concierge her gratitude to the city assistance. mayor, technical-vocational For more information on i nst itut i ons ( T V I ) and the Platinum-covered areas, the members of the Local visit tattoo.globe.com.ph, call Poverty Reduction Action 730-1010, or visit any Globe Team (LPRAT) for this Store. Republic of the Philippines REGIONAL TRIAL COURT 10th Judicial Region Cagayan de Oro City NATIONAL HOME MORTGAGE, EJF FILE NO. 2015-227 FINANCE CORP., (NHMFC), Mortgagee, -versus- FOR : EJF REAL ESTATE MORTGAGE UNDER ACT 3135 GAUDENCIO R. BACABIS JR., married to MARVELYN B. BACABIS Mortgagors. X - - - - - - - - - - - - - - - - - - - - - - - - - - - - -/ SHERIFF’S NOTICE OF SALE Upon extra-judicial petition for sale under ACT 3135 as amended filed by NATIONAL HOME MORTGAGE FINANCE CORPORATION., mortgagee, against SPS. GAUDENCIO and MARVELYN BACABIS, mortgagors, resident of VILLAMAR SUBDIVISION, Lot 18, Block 16, Iponan, Cagayan de Oro City, to satisfy the mortgage indebtedness which as of May 31, 2014, amounts to (P 701,384.38) excluding penalties, charges, attorneys fees and expenses of foreclosure, the undersigned Sheriff will sell at Public Auction on November 16, 2015 at 9:00 A.M. or soon thereafter at the main entrance of the Tourism Hall, City Hall Cagayan de Oro City, to the highest bidder, for CASH and in Philippine Currency, the properties with all its improvements to wit: TRANSFER CERTIFICATE OF TITLE NO. T – 72810 A PARCEL OF LAND (Lot 18, Block 16, Pcs-104305001035, being a portion of Lot 6631, Cad-237, Cagayan Cadastre, Lot 24235-F, Psd-10-005313, Lot 1, Lot2, Pcs-10-000059) situated in the Barrio of Iponan, City of Cagayan de Oro, Island of Mindanao. Bounded on the N., along line 1-2 by Lot 17 of Block 16, of the Consolidationsubdivision plan Pcs-104305-001035, on the E., along line 2-3 by Lot 3632-B, Cad-10-0000647-D; on the S., along line 3-4 by Lot 19, also of Block 16. Containing an area of ONE HUNDRED SIXTY EIGHT (168) square meters more or less. Prospective buyers may investigate for themselves, in the event of Auction Sale cannot take place for whatever legal reason the sale will proceed on the following day, without further notice, posting and publication, the title here in above describe and encumbrance thereon, if any there be. Cagayan de Oro City, Philippines, October 9, 2015 (SGD.) TERESITO C. ESTENZO Sheriff IV BWM: Oct. 19, 26 & Nov. 2, 2015


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YOUR Mindanao-wide BUSINESS paper

Editor: Cheng Ordoñez

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‘The Peacemaker Mus Sema’ aims to regain Cotabato City Hall C By Cheng Ordoñez, Executive Editor

OTABATO CITY - Moro National Liberation Front (MNLF) Chairman Muslimin Sema filed his certificate of candidacy (COC) for mayor of Cotabato City in an attempt to regain the seat of Cotabato City hall.

Sema, had ser ved as mayor of this city for three consecutive terms. Called by many as “The Peacemaker,” Sema said he should have retired from p olit ics and s ett le d in farming, but he could not just ignore the clamors for him to regain the seat of the top local executive of Cotabato City and address the peace and security concerns hounding Cotabato City. Sema is chairman of the largest and politically-active faction in the MNLF, which forged a peace agreement with the national government on September 2, 1996. But unlike Nur Misuari’s, the MNLF group of Sema is neither hostile to the Moro Islamic Liberation Front (MILF) nor opposed to the ongoing government-MILF peace initiative. Sema was accompanied in filing his COC, by his spouse, Representative Bai Sandra, the incumbent congresswoman of Maguindanao and thousands of supporters behind. After praying Juhur at a nearby mosque, Sema and his complete slate walked to the City Comelec Office to file their COCs.

From the City Comelec, they accompanied Rep. Bai Sandra Sema to the Provncial Comelec Office to file her COC for a third term. Both the couple belong to the ruling Liberal Party. The duo have vowed to push forward the completion of high-impact congressional projects in Cotabato City’s 37 barangays which are inside the first district of Maguindanao. In a press conference before the filing of their COC, Sema answered the question on why he is coming back to politics. Sema said the people wants peace and tranquility and perceived him to be “The Peacemaker.” Gunning for the vice mayoralty post under LP is businessman Mohammad Pasigan. A for me r bro a d c ast journalist and now incumbent Councilor Bruce Matabalao is also seeking reelection under the Sema’s slate. Matabalao is known for his being supportive of the Mindanao peace process. The Semas are among the few Moro leaders in Central Mindanao openly peacemaker/PAGE B3

Rep. Bai Sandra Sema

Muslimin Sema


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F eature B2 Smart targets ‘millennial’ travelers with expanded data roaming coverage in 110 countries 2013 ppi’S Best in Business and Economic Reporting

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U

nrivalled mobile leader Smart Communications (Smart) has expanded the coverage of its Surf Abroad 550 data roaming package to cover more than 110 countries around the world — the widest data roaming network available to Filipino travelers today. Moreover, Surf Abroad 550 is now available as a fully automated service for Smart Postpaid subscribers for a worryfree data roaming experience. “We have enhanced Surf Abroad 550 to become much bigger and better: bigger because of its widest data roaming coverage and better because of an enhanced user experience. This is aligned with our strategy to take advantage of the booming tourism industry, serve the communication needs of the growing number of Filipino travelers, and remove their fear of bill shock when it comes to data roaming,” said Eric Alberto, Executive Vice President and Head of Enterprise Business at

PLDT and Smart. Smart’s improved data roaming offer caters to a growing market of young travelers, often referred to as “millennials,” which are increasingly traveling for leisure in other countries given new overseas routes and lower airfare promos made available by local airlines. “Today’s travelers know the value of mobile data connectivity, so they demand an alwayson, instant-sharing experience to make the most of their overseas trip. This is why Smart has made it a lot easier and more convenient for them to connect to the Internet and enjoy their favorite apps and websites on their phones,” said Alex Caeg, Smart Senior Vice President for International and Carrier Business. Hassle-free data roaming “Now, all users have to do is turn on ‘data roaming’ on their data-enabled phones and they will instantly be connected to our preferred roaming partners in that country. No more need to register via text or call our

roaming hotline. This is part of our commitment to allow our subscribers to live the ‘Smart Life’ even while traveling overseas,” said Tina Mariano, Global Access and International Services head at Smart. From just 57 countries in 2014, Smart’s data roaming coverage has now been expanded to more than 53 additional countries, including top tourism destinations such as Myanmar, India, Finland, and Luxembourg, among many others. By the end of the year, the list will further be expanded to include a total of 180 countries around the world. ‘Internet’ an important travel amenity The simple and hasslefree enhancements to Smart’s roaming data offer appeal particularly to millennial travelers, according to Mariano, especially since they are the types of travelers who are always eager to instantly capture and share their experiences online via Facebook, Instagram, and other social networks. According to the

Smart offers a bigger and better Surf Abroad 550 with coverage to over 110 countries and anti-bill shock features. At the launch of the product are Eric R. Alberto, Executive Vice President and Head of Enterprise Business at PLDT and Smart; Tina Z. Mariano, Global Access and International Services head at Smart; and Alex O. Caeg, Smart Senior Vice President for International and Carrier Business.

2015 Annual Millennial Travel Habits study by global travel search site Hipmunk, Internet connectivity ranks among the top amenities most important to millennials whenever they book their flights or hotels abroad. Around 43% of millennials surveyed by Hipmunk, for example,

rank fast Internet connectivity as their most favorite hotel perk, while Internet ranks next to entertainment in the list of top in-flight amenities important to them. Available for only P550 per day, Smart’s Surf Abroad 550 will give users high-speed mobile Internet connections in

covered countries, valid for one day. Network lock technology for anti-bill shock The new offer is powered by a networklock technology that makes sure the service only works on partner networks, and eliminates the hassle of having to smart/PAGE B3

Yesterday Once More

Liceo College of Music Seniors Concert to raise funds for scholarships Mayor Moreno, Rep. Rodriguez guest performers

Yesterday Once More - Mrs. Baby Escudero, Mrs. Mela Malferrari & Mrs. Glor Delgado

Senior faculty members of the Liceo de Cagayan University College of Music are rendering a concert to raise funds for its Music Scholarship Program. Dubbed as, “Yesterday Once More”, the concert is scheduled on October 30, 2015 at Liceo’s Rodelsa Hall, Cagayan de Oro City. Featured artists include Ms. Mela V. Malferrari, Ms. Consuelo M. Escudero, Atty. Gloria A. Delgado and Mr. Benjamin S. Santos, all senior citizens and faculty members

of the LdCU College of Music. City Mayor Oscar S. Moreno and CdO 2nd District Rep. Rufus B. Rodriguez will also join as guest performers. “We are knocking on your good hearts to make some senior citizens of the Cagayan de Oro Federation of Senior Citizen Affair Incorporated (KAPISKA) happy. KAPISKA members are poor senior citizens of our city,” said Ms. Ginny Aspera, faculty member. Should you be unable to

watch the concert, we will take care of distributing your tickets to senior citizens who are unable to afford the tickets,” she added. Tickets are priced at Php300.00 each. For reservations please contact t he L i c e o d e C ag ay an University College of Music at (08822) 72- 2244 loc. 140 or Mobile +63- 925- 349- 7377. Tickets are also available at the Rodelsa Hall Lobby on the concert date/ (The Night Stalker)


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CDO Resident bags Filinvest Land raffle prize twice

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homebuyer of Filinvest Land, Inc. (FLI) from Baloy, Cagayan de Oro won twice at the recently held second monthly draw of Filinvest 60 for 60 Raffle promo.

The lucky Kagayanon, whose name is being withheld for confidentiality reasons, received an EastWest Gift Card worth P120, 000. This promotion gives 60 lucky home buyers

of selected Filinvest properties a chance to win P60, 000 cash prize in three monthly raffle draws starting September 2015. Qualified participants of the Filinvest 60 for 60 raffle promo must have

paid the full reservation fee of their Filinvest homes from selected Futura Homes, Filinvest or Filinvest Premiere brands from July 1 to September 30, 2015. A qualified home buyer

receives one electronic raffle coupon for every P500, 000 worth of their Filinvest home’s total selling price, which means higher chances of winning for multiple-unit buyers. “We put great value to our home buyers. And through this promotion, we would like to reward them, help them build their dreams and transform their lives,” said Josephine Gotianun- Yap, president and CEO of FLI. Earlier, a resident of the island province of Camiguin in Northern Mindanao was one of the 16 winners of Filinvest 60 for 60’s first monthly draw. The third and final set of winners will be drawn on November 13, 2015 in FLI Main office in EDSA,

Mandaluyong City. Built on the Gotianun tradition of integrity, quality and service, FLI is one of the most-trusted real estate developers in the country with a diverse property portfolio catering to all markets. FLI strives to fulfill every Filipino’s dream of owning a home, all over the Philippines. Winners will be officially notified by Filinvest via phone, SMS, email and registered mail. For more info and updates on Filinvest 60 for 60 raffle promo, contact (02) 8500888 or (0917) 8770888 or check out FLI’s website: www.filinvestland. com and social media accounts: facebook.com/ FilinvestGroup and twitter. com/Filinvest

CDO Mini Energy Camp aims for grassroots demand side management By Mike Baños

While other energy players pay lip service to energy demand side management, a new program backed by the country’s largest distribution utility has taken the bull by the horns, so to speak. Energy demand management, also known as demand side management (DSM), is the modification of consumer demand for energy through various methods such as financial incentives and behavioral change through education. Choosing the latter path to promote its advocacy among the Philippines’ 40,000 public schools, the Coalition for Better Education (CBE) and One Meralco Foundation launched Monday, 19 October 2015 the first ever Teacher’s Mini Energy Camp in Cagayan de Oro City which aims to develop 100 flash cards for energy education of students in public

elementary schools from Grades 4-10. “Before the opening of the next school year, we expect the 35 teachers attending this Energy Camp to develop at least 100 new flashcards for Energy Education,” said Jeffrey O. Tarayao, One Meralco Foundation President and Meralco Chief Corporate Social Responsibility Officer who developed the program with CBE Executive Director Luchi Flores. Three local school teachers were among the original 37 handpicked teachers nationwide who developed the initial Energy Ed kit of flash cards over a year are the lead campers for the CDO 3-day Mini Energy-Camp: Myrna P. Banana (Maccabean Elementary School), Avellino Costanillo (Camp Evangelista Elementary School) and Jessica Joy Hinacay, City Central

Peacemaker...

Smart...

campaigning for public support to President Benigno Aquino III’s Mindanao peace process. Just last Tuesday, Sema held a peace dialogue with MILF’s figurehead, Murad Ebrahim, at Camp Darapanan in Sultan Kudarat town in Maguindanao. T h e c o mp l e t e s l at e of Sema consists of Mohammad Ali “Bruce” Matabalao, Sukarno Sema, Duma Sinsuat,Johari Abu, Rodela Formento,Michael Datumanong, Jaafar Ali, Bai Princess Piang-Abdulrakman, Eduardo dela Fuente and Troy Eric Cordero.

manually select a roaming partner whenever a subscriber wants to access data services. By automatically registering to the service with preferred roaming partners abroad, subscribers will no longer have to suffer from “bill shock” when they return to the country. Once the service is active, subscribers will receive an SMS notification informing them that they have already been subscribed to the enhanced Surf Abroad 550 package.

from page B1

School principal. Anita M. Gochuco, Department of Education Cagayan de Oro City Division Superintendent, said she hopes the program can eventually be shared with the 70 public elementary schools and 39 public high schools in the city, 30 of which remain without electricity. Flores said the initial 300 flash cards will be integrated into the public school K-12 curriculum subjects including English, Math, Science, Technology Livelihood Education (TLE), Edukasyon Pantahanan at Pangkabuhayan (EPP) and most especially, Values Education (Edukasyon sa Pagpakakatao). “Over the long term, we hope to teach students the

nature and proper use of electricity, which they would hopefully cascade to their friends, and most especially, their

parents and siblings in the home,” Tarayao said. “There is an old Zen saying which says, ‘A seed will never see its flower’. May

we all be so similarly inspired to aspire for a responsible stewardship of God’s creations in the generations to come.”

1 Meralco Found Pres Jeff Tarayao fields questions during the presscon for the CDO Energy Camp launch 19 Oct 2015 at VIP Hotel. With him are CBE ED Luchi Flores & DepEd CDO City Supt. Anita Gochuco

from page B2

The public plaza in front of San Isidro Cathedral remains the favorite hangout of many residents of Malaybalay City, as can be seen in this photo taken Wednesday (14 Oct 2015). mindanews photo by h. marcos c. mordeno


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