2012 ANNUAL REPORT
Messages
1
INSIDE 03
Corporate Ideals
04 - 07
Messages
08 - 11
Success Stories
12 - 14
Products and Services
15
Comparative Performance Analysis
16 - 17
Year End Highlights
18 - 19
Year in Review
20
Board of Trustees
21 - 22
Leadership Team
23
Partners and Affiliations
24 - 25
Directory
2
2012 ANNUAL REPORT
CORPORATE IDEALS `
OUR VISION To see people in communities live in abundance with strengthened faith in God and in right relationship with their fellowmen and the rest of the creation.
OUR MISSION KMBI is a Christ-centered development organization, existing to help transform the lives of its clients by providing sustainable microfinance, training, and deman driven non-financial services.
CORE VALUES Respect Integrity Stewardship Commitment to the Poor Discipline Innovation Excellence
Messages
3
MESSAGE FROM THE CHAIRMAN
The of
New Face
Transformation Has
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2012 REPORT 2012ANNUAL ANNUAL REPORT
Begun
T
he past 26 years was full of challenging and yet inspiring stories and experiences that defined KMBI today. In 2012, we continued on our new journey with renewed spirit and commitment to our Mission. As we roll out new generation of services, we are able to expand our outreach from Filipino microentrepreneurs to small enterprises and farmers. These initiatives signalled the next phase of our battle against poverty. We are glad to announce that in preparation for the coming years, the Board of Trustees approved KMBI’s Four Strategic Directions that will continuously strengthen our core business - Transformation. These are: 1. Reach out to 314,000 clients, including microentrepreneurs and their families, low-income farmers and fisher folk, OFWs and families of clients, and the poorest of the poor. 2. Deliver holistic microfinance (financial and non-financial services) and community development (financial and non-financial services) to its target clients. 3. Improve portfolio quality, strengthen operational performance, and ensure financial sustainability. 4. Facilitate the economic, psychosocial and spiritual development of the program members. The new face of transformation has begun and we will continue to find ways to actively develop our programs and services to reach out to those who are still under the poverty line. Though this is just the beginning of a new battle, with God’s grace, we acknowledged that KMBI is firmly positioned for the future. At KMBI, we acted as ONE to serve God, to build the nation, and to continually work in unity to accomplish our mission. Synergy won’t be possible without the commitment of our staff and partners. Thus, I would like to thank them for being with us through the years. To God be the Glory!
Damiana D. Exiomo Chairman
Messages
5
MESSAGE FROM THE EXECUTIVE DIRECTOR
KMBI Delivered
Strong
a Performance
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2012 REPORT 2012ANNUAL ANNUAL REPORT
2
012 was an extraordinary year as KMBI delivered a strong performance brought about by a more strategic repositioning and sound execution of our plans. The spike in our financial and operational sufficiency also affirmed our viability and KMBI’s ability to deliver value to our clients. These breakthroughs were translated in different initiatives that we launched this year like the Masaya Dito sa KMBI campaign, the 2012 Leaders Retreat, piloting of the Client Feedbox System, partnership with other MFI’s thru MAHP and the development of the KIIS system. The technical assistance we received from partner institutions also enabled our clients to further grow their businesses. I believe that KMBI will continue to offer relevant and market-led products that will provide solutions and better services for our clients. 2013 may be another challenging year but as we stir the boat to Start Right, Run Well and Finish Strong all for the glory of God, we will never go wrong. Let me close this by expressing my gratitude to our staff and partners for their unwavering trust, commitment and involvement, and also to the Board of Trustees for their trust and support in my leadership.
Liza D. Eco Acting Executive Director
Messages
7
Ester Ardales, Legazpi Branch
The Lumber Queen
E
ster’s coco lumber business started 16 years ago when she was still a sari-sari store owner and a baranggay official. The constant prodding of her brother to buy power saws prompted Ester to open a coco lumber business. Because of the growing demand for lumber, Ester’s husband also quit his job as a traffic aide to concentrate in managing their new business. Soon after, the couple decided to close down their sari-sari store as they earn more money from the lumber business allowing them to acquire a second hand truck in just a short time. And like in most businesses, you don’t get to have a good day every day. Ester recalled instances of suppliers asking for advance payment but will not deliver lumbers. “Trusting coco-sellers is very crucial in this kind of business,” she quips. When typhoon Reming hit the country, total log ban was imposed forcing Ester to diversify. “We immediately bought three jeepneys and two second-hand tricycles to augment our diminishing income. On a daily basis we earn P1,500 for the jeepneys and P400 for the tricycles.” The additional income not only sustained Ester’s family but it also allowed them to save and have rolling capital for a new business. So in 2007, Ester ventured in sound rental business and three years after, she bought a parcel of land and started to raise hogs. Ester’s husband managed the hog raising while she concentrated on the lumber business when the total log ban was lifted. However in 2012, Ester’s husband was amputated due to diabetes. Ester had no choice but to close down the hog production and moved on. She asked the help of her eldest to manage the remaining family business. 8 8
2012 REPORT 2012ANNUAL ANNUAL REPORT
2012 KMBI Entrepreneur of the Year (KEY) Awardee
Despite what she’d been through, Ester’s children all went to college. Her businesses are booming, she now has four jeepneys, four second-hand power saws, eight on-call workers gathering lumber in the mountain and two regular employees in her lumber store. She’s been with KMBI for 9 years now and when asked why she remains faithful to the program, “I really appreciate the products and services of KMBI, particularly the CBU, micro-insurance, bible sharing, among other activities.” Aside from her triumphs as a businesswoman, Ester is also a three-term Councilor at Brgy. Buenavista
“
I really appreciate the products and services of KMBI, particularly the CBU, micro-insurance, bible sharing, among other activities.
SuccessMessages Stories
” 99
Emelie Araña, Legazpi Branch
F
ailures and adversities are like muscles that often strain our lives. If we don’t stretch and strengthen the muscle through exercise, the strain will continue. As they say, our courage muscle only gets stronger when we take action and recognize that there are things that need to be done.
For KMBI Tagum Branch program member, Emelie Arana, she had her share of some tough weights. Emelie’s daughter has a rheumatic heart that requires treatment every 28 days. Since it was only Emelie’s husband who brings in the income as a talyer worker, the Arana household could barely keep up with the growing expenses. So in 1995, Emelie decided to apply as sales agent of beauty products at Copaschem. In just three years, Emelie went from being an agent to being a business owner managing the sales and distribution of Cospachem products in her area. She hired two sales employees, earning through commission basis, while
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2012 REPORT 2012ANNUAL ANNUAL REPORT
2012 KMBI Entrepreneur of the Year (KEY) Awardee
she and her husband did the field work. According to Ester, doing field work is not easy as motorcycle rent could go as high as P350 a day if they want to go to far-flung areas. This is when Emelie discovered KMBI. “I got curious. I asked one member and they told me that KMBI is helping microentrepreneurs like me, so right there and then I knew that KMBI is the answer to my business needs!” Emelie started out with a P4,000 loan and used it to buy motorcycle so she doesn’t need to rent. From the new motorcycle, Emelie’s business expanded exponentially. She now has 25 employees plus her other collectors. Aside from this, Ester was able to buy five new motorcycles and pay for her daughter’s medical needs. For the year 2012, Emelie was selected as one of the awardees of KMBI’s Entrepreneur of the Year (KEY awardee). She used the Php30,000 cash prize to buy another tricycle and named it “KMBI” as her token of appreciation to KMBI for recognizing her hard work.
“
I got curious. I asked one member and they told me that KMBI is helping microentrepreneurs like me, so right there and then I knew that KMBI is the answer to my business needs.
”
SuccessMessages Stories
1111
ww
TOGETHER WE CAN DO BETTER
W
hat does it mean to have our acts together? And what does it have to do with the act we are called and expected to do? These are two issues that we, as Christians and servants of God, need to settle. As God’s chosen people, justified by grace through Christ Jesus, and called to be in union with Him, our response should be living a life that equally reflects God’s work in us. And once we have determined the answers to these questions and responded appropriately to the challenges laid down before us, we are like a double-edged sword ready to unleash from its sheath. Coming from such perspective, the logo 1ACT depicts a double-edged sword in sheath being unleashed for battle. The grip conveys two symbolisms: unity (number one), and a personal decision (“I”). “Act” is a calling to stop being passive; an instruction to execute and exercise power (as suggested in Eph. 3:20). Putting the two together, the logo intends to challenge KMBI staff and clients… …to serve God as ONE (one in faith and one baptism); …to build the nation TOGETHER (have a single act since we have one Lord, one God, and one Father); and, …to work in UNITY for the accomplishment of our mission (committing to act just as we are called in one hope of our calling).
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2012 REPORT 2012ANNUAL ANNUAL REPORT
A
s a not-for-profit institution and transformation advocate, part of our core belief is to help people out of poverty. We do this by focusing on the three c’s - Capital, Capacity and Character.
Better Financial Resources Poor access to financial resources is one of the reasons why most enterprising poor cannot expand their business. Through Microfinance, KMBI builds on the CAPITAL of an individual. Thus, KMBI developed an array of products and services that caters to individual needs.
Group Loan Program (GLP) provides access to financial services to low-income clients that are mostly selfemployed women who would be otherwise excluded from the services of commercial banks. By giving them access to small loans, KMBI believes that these women microentrepreneurs may grow their capital, facilitate enterprise growth and expansion that would help them get out of poverty.
Individual Microentreprise Program (IMEP) is an individual loan program intended for growth-oriented microentrepreneurs who want to grow their businesses and bring it to the next level, the transitioning SMEs (Small MicroEntrepreneurs). IMEP offers variety of loan products such as Productive Loan (PL) that intends to finance all sales-generating business activities e.g. additional working capital, product improvement, and market expansion and development; and Asset Acquisition Loan (AAL) that intends to finance activities that may not directly generate sales but can help in doing so e.g. (1) improvement, rental or acquisition of new office/store/factory, (2) renovation or expansion of existing office/store/factory, (3) purchase, assembly or down payment for a vehicle, and (4) purchase or fabrication of office or production machinery, equipment and furniture.
Agricultural Microfinance Program (AMF) is a loan product that extends financial resources to Filipino farmers in order to uplift their lives and contribute to the improvement of the agricultural sector in the Philippines. Agri-MF loan may be used for financing farm machines and equipment, supplies like seeds, insecticides, and fertilizers, Diversified Integrated Farming System (DIFS), and other agricultural-based expansion projects. KMBI’s financial products include Capital Build-Up (CBU) that provide opportunities for clients to build their own financial resources and lessen their dependence in credit source in the future.
Messages Products & Services
1313
Together we can do better
Aside from loans, Micro-insurance (MI) is also given as an add-on service to clients to protect them in cases of death in the family and bankruptcy. For GLP, MI offers death insurance and burial benefits, while IMEP and Agri-MF both have life and non-life microinsurance. The non-life microinsurance, on the other hand, ensures coverage to help clients revive their businesses in case bankruptcy or force majure occurs.
Better Operations By providing trainings and financial literacy seminars through our Entrepreneurial Development Services and Product Development we build our clients’ CAPACITY. Skills training for clients include both soft and hard skills i.e. human resource, accounting, negotiation, leadership, and management, among others. To further hone their skills, KMBI tapped government agencies and institutions that offer programs and services that will help clients build and enhance their capacity. GLP clients were able to join trade fairs and local and international seminars that enable business matching activities and linkaging. Business coaching and mentoring, depending on the nature of clients’ business and needs, were also provided for IMEP clients. While Agri-MF clients receive training and seminars related to agricultural farming systems and technology. Through these capacity building and exposure interventions, KMBI aimed at seeing our clients operating better businesses in the future.
Better People By giving weight on values formation we build our clients’ CHARACTER. We introduce them to Christ’s teachings in the hope that we can bring transformation in the lives of our clients. Values formation intervention is embedded in all activities particularly during skills training, business coaching and mentoring to help clients be more responsible, mature and sociable individuals.
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COMPARATIVE PERFORMANCE ANALYSIS
Financial & Operational Performance
D
espite the challenges, 2012 has been a good year for KMBI both in the financial and operational aspects. This year’s performance is attributed to the new strategies implemented in the Group Loan program and the enhancement of internal systems to deliver more value and relevance to its growing client base. Below are the summary of this year’s financial and operational performances:
INDICATORS
2012
2011
INCREASE (DECREASE) (47,436) (6.05%)
Client Outreach Portfolio at risk (%) No. of Branches No. of Centers No. of Program Assistants Total no. of Staff
218,800 8.12% 71 8,214
266,236 14.17% 71 8,659
815
887
(72)
1231
1335
(104)
(445)
Financial Ratios Current Ratio
2012 2.09
2011 1.83
Debt to Equity Ratio
0.85
1.37
61% 63% 121.14% 117.55%
63% 70% 100.17% 98.49%
CBU to Loan Outstanding Ratio LR to Total Assets Operational Self-Sufficiency Financial Self-Sufficiency
Comparative PerformanceMessages Analysis
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YEAR END HIGHLIGHTS
2
012 was an exciting year of record performance. KMBI‘s success was driven by continuous innovation of its products and services, and genuine passion to help the poor.
Product Innovation After extensive studies and consultation, KMBI piloted the enhanced Group Loan Product (GLP) in Capas, National Capital Region (NCR), Lipa and Naga. Enhanced GLP enabled clients to loan a maximum amount of Php50,000 based on Credit Worthiness Evaluation or CWE.
Capacity Building KMBI strives to ensure significant value-added assistance through capacity development. During the entire year, 1,703 staff and 1,408 clients participated in different trainings and seminars such as Basic Marketing, Costing and Pricing, Financial Literacy, Basic Recordkeeping, and Basic Entrepreneurship. The training caravan was made possible in partnership with Local Government Units, Department of Trade and Industry XI and Central, Isabela Livelihood Training Cooperative, and Planet Finance. Apart from the training caravan, KMBI also hosted the 2012 APPEND Summer Camp, a Leadership Enhancement Camp, attended by board members and staff from different microfinance institution in the Philippines.
Networking and Linkaging Client participation in the International Conference on the Development and Delivery of Financial Education to Rural Microfinance Clients gained further momentum in 2012. KMBI also offered its clients significant experience from joining several trade fairs i.e. Kadayawan Trade Fair, Bicol Microfinance Council Trade Fair, and Buy Pinoy Exporter’s Fair. Further, on the second and final year of the tripartite partnership of KMBI with Microfinance Counsel of the Phils. (MCPI) and Planet Finance to enhance capacity, capability and outreach through the promotion of innovation, transparency and increased outreach to the poor, KMBI received technical assistance for both clients and staff on financial education, supply and demand study for agri-microfinance, and social performance management. Culture-Building A culture-building campaign dubbed as Masaya Dito sa KMBI!!! (MDSK) was launched in 2012 aimed at seeing and making everyone in KMBI happy in their involvement in facilitating holistic transformation, either as trustees or staff or clients. The campaign imbibes, explore and nurture the concept of fulfillment and
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2012 ANNUAL REPORT
YEAR END HIGHLIGHTS happiness one gets while working for KMBI. MDSK Campaign was highlighted by two contests launched this year, the Photo and Jingle Making contests aimed to increase the level of satisfaction and commitment of KMBI staff by sharing their “masaya” experience.
Quality Management System TUV Rheinland Philippines continually recognized KMBI’s commitment to provide excellent service as they awarded the renewal of its ISO 9001:2008 Certificate. TUV Rheinlad Philippines conducted thorough audit covering the organization’s operations and other processes to ensure quality service.
Strategic Directions The Board of Trustees approved four new Strategic Directions for 2013-2017. The new phase will serve as KMBI’s roadmap for the next five years with the goal of reaching out further to those under the poverty line and fulfilling its social mission.
Customer Relation Management As the organization strive to improve customer satisfaction, Customer Feedback System or better known as Feedbox was launched and piloted in 2012 as venue to capture customer feedback on KMBI’s products and services. The implementation of Feedbox corresponds to KMBI’s tangible action in observing the Client Protection Principles.
System Automation KMBI Integrated Information System or KIIS, a computer-based system used for information processing, started in 2012 to automatically organize the profiling and reporting system of the organization and enabling information to be virtually available for faster communication. The system includes four major system i.e. Micro Finance (MF) System, Accounting System, Human Resources Information System (HRIS), and Customer Relation Management (CRM) which includes Social Performance Management (SPM).
Messages Year End Highlights
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YEAR IN REVIEW
K
MBI took bold decisions and giant leaps in 2012. With the tireless effort and commitment of the 1,231 staff, KMBI emerged on top its game.
Group Loan Program Review and Enhancement The enhanced group loan product allowed clients to loan a maximum amount of P50,000 depending on their business needs. The program is now being piloted in Capas, National Capital Region (NCR), Lipa, and Naga branches. Further, Credit Worthiness Evaluation or CWE was also implemented that enable branches to evaluate prospective clients and provide bigger loan amount.
Values Formation As KMBI value the sacrament of marriage in the family, 142 unmarried couples were able to benefit from the Mass Weddings conducted in 27 KMBI branches with a total investment of P0.248M. On the other hand, to introduce clients in the teaching of Christ, 10,474 copies of Bible were distributed to staff and clients.
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2012 REPORT 2012ANNUAL ANNUAL REPORT
YEAR IN REVIEW Disaster Preparedness and Response Management An effective Disaster Preparedness and Response Management (DPRM) program enabled KMBI to extend assistance to 8,566 families nationwide. For 2012, a total of 1.24 Million was invested for DPRM that provided assistance to those clients that have been greatly affected by natural disasters such as typhoons and fire.
Scholarship Grants KMBI believes that education is one of the best tools to get people out of poverty. In partnership with APPEND, Knowledge for Inspiring Leadership (KILOS) program provided scholarship grants to deserving children of clients. KILOS produced 12 graduates and 7 scholars, while the Adopt a Family (AFP) program is currently sponsoring 10 students.
Insurance To improve the existing insurance services, KMBI partnered with PinoyAko to provide viable life insurance for the program members. Aside from parents, spouse and children, program members under PinoyAko now have the option to insure their siblings.
Community Development KMBI is committed to strengthen and develop communities through its community development program. In Naga, Camarines Sur, a total P0.84M were invested for purchase of hogs and goats that benefitted 41 families in Brgy. Carolina. For the Community Based Enterprise Development Program (CBED) of Koronadal, a total of 105 beneficiaries have received help through livelihood interventions with a total of P0.10M invested amount.
Messages Year in Review
1919
BOARD OF TRUSTEES
DAMIANA D. EXIOMO Chairman & President
DAVID D. GUTIERREZ
Vice Chairman & Vice President
EMMANUEL M. DE GUZMAN Trustee
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ATTY. ROMEL R. BAGARES Trustee & Corporate Secretary
BISHOP JOSE D. DALINO Trustee
DR. AMELIA L. GONZALES Trustee & Corporate Treasurer
DR. AGUSTIN B. VENCER, JR. Trustee
DIRECTORS
RIZALDY R. DUQUE
LIZA D. ECO Acting Executive Director
Acting Deputy Executive Director for Operations
ANNALIE D. CONCEPCION
HAZEL CHRISTINE R. BAYACA Acting Research & Dev’t. Director
Administration Director
GRACE D. BAUTISTA
Acting Operations Director North Luzon Operations
MADELYN P. FRIJILLANO
Acting Deputy Executive Director for Management Services
FAY LORRAINE C. AMODIA Acting Operations Director South Luzon Operations
RHANY P. BARRERA
Acting Operations Director Visayas & Mindanao Operations
Messages 21 Directors
21
LEADERSHIP TEAM
MA. BELEN M. SISON
MARY GRACE M. BURGOS
MAYLANIE D. APAWAN
REGINOLD D. DELOS REYES
CONCEPCION B. PARANTAR
MARISSA M. DELA ROSA
MACARIO D. DE CASTRO
JOFEL P. GANDEZA
OIC, Entrepreneurship Develoment Services Dept.
OIC, Corp. Planning & Project Management.
HARRY D. DALANON OIC, Audit Dept.
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OIC, Human Resource & Develoment Dept.
OIC, Tranformation Dept.
Quality Management Representative Quality Management Dept.
OIC, Legal Dept.
OIC, Resource Mobilization & Communications Dept.
OIC, IT Dept
PARTNERS AND AFFILIATIONS • Agricultural Credit and Policy Council • Alalay sa Kaunlaran, Inc. • Alliance of Philippine Partners in Enterprise Development • Asia Pacific Rural and Agricultural Credit Association • APRACA Center for Training & Research for Agricultural Banking • Banco De Oro Unibank Inc. • Bank of the Philippine Islands • BPI Foundation • Banking with the Poor • Bicol Microfinance Council, Inc. • Card Bank • Card NGO • Center for Small Entrepreneurs • Central Luzon Association of Microfinance • China Banking Corporation • Cocolife Insurance Corp. • Country Bankers Life Insurance Corporation • DaansaPag-unlad, Inc. • Department of Social Welfare and Development • Department of Trade and Industry • Development Bank of the Philippines • Globe Bridging Communities • Hagdan sa Pag-uswag Foundation, Inc. • Haribon Foundation • Katuwang Resource Cooperative Inc. • Land Bank of the Philippines • Land Bank Countryside Development Foundation, Inc. • City of Koronadal • Micah Challenge • Microcredit Summit Campaign • Microfinance Challenge • Microfinance Council of the Philippines, Inc. • Microfinance Council For Region 1 and CAR
• • • • • • • • • • • • • • • • • • • • •
Microfinance Management Institute Mindanao Microfinance Council Opportunity Kauswagan Bank Opportunity International Network Opportunity International - Deutchsland People’s Alternative Livelihood Foundation of Sorsogon, Inc. People’s Credit and Finance Corporation Philippine Christian University Philippine Council for NGO Certification PinoyME Foundation Planet Finance Planters Development Bank Punla Foundation, Inc. Rangtay sa Pagrang-ay, Inc. Talete King Panluyong Kapampangan, Inc. Taytay sa Kauswagan, Inc. Technical Education and Skill Development Authority TSPI Development Corporation United Coconut Planters Bank Visayas Association of Microfinance Institution Wholistic Transformation Resource Center
Messages 23 Partners
23
DIRECTORY MINDANAO OPERATIONS SOCKSARGEN
GENERAL SANTOS 1 G/F Door 1 & 2 Aquino Building, J. Catolico Avenue, General Santos City, South Cotabato Telefax No. (083) 552-0686 GENERAL SANTOS 2 3/F Panlaqui Building, Papaya Street, Bgy. Dadiangas West, General Santos City Telefax No. (083) 552-0687 TACURONG 2/F Bernardo General Ramon Magsaysay Avenue, Tacurong City, Sultan Kudarat Telefax No. (064) 477-0099
CALABARZON 3
BATANGAS 2nd Floor JPA AMA Building, Barangay 10 P. Burgos Street, Batangas City Telefax No. (043) 723-5325 LIPA 2/F Big Ben Complex, J.P. Laurel Hi-way, Mataas na Lupa, Lipa City, Batangas Telefax No. (043) 455-3168 BALAYAN 2nd Flr.,CLN Bldg. located at the Fe St. Brgy. 12 Balayan, Batangas Telefax No. (043) 211-6648 PINAMALAYAN 2/F Cupiado Building, Madrid Boulevard Zone II Pinamalayan, Oriental Mindoro Telefax No. (043) 284-4450
BICOL
NAGA 2/F Thomas Enrile Building, Penefrancia Avenue, Naga City, Camarines Sur Telefax No. (054)472-2761 DAET 2nd Floor, LACSON Building, Governor Panotes Avenue, Barangay 8, Daet Camarines Norte Telefax No. (054) 440-7788 LEGAZPI 2/F Rosario Salavador Building, Rizal Street, Legazpi City, Albay Telefax No. (052) 481-3441 IRIGA LT Building, Lot 2-A, Gonzales St., San Francisco, Iriga City Telefax No. (054) 456-6012
VISAYAS OPERATIONS CEBU
CEBU SOUTH 2/F Rufina Arcade, South Expressway, Barangay Mambaling, Cebu City Telefax No. (032) 266-1688
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MANDAUE 4th Floor, COTIAOKING Building, along Cebu North Road, Basak, Mandaue City Telefax No. (032) 238-4604 LAPU-LAPU 2/F J.Y. Building, Patalinhug, BasakLapuLapu City, Cebu Telefax No. (032) 505-4290 CEBU NORTH 4/F Martinez Building, Osmena Boulevard Street, Cebu City Telefax No. (032) 266-1690
LEYMARBO
TACLOBAN 4/F Dynasty Square, Zamora Street, Barangay 17, Tacloban City, Leyte Telefax No. (053) 321-4679 ORMOC A Mall Building, Rizal Street, Ormoc City, Leyte Telefax No. (053) 255-7705 TAGBILARAN UNIT 3/F QVC Business Plaza Corporation, CPG North Avenue, Tagbilaran City/ Bohol 6300 Telefax No. (038) 412-0628
NEGROS
KORONADAL 2/F Del Rosario Building, General Santos Drive corner Aquino Street, Koronadal South Cotabato Telefax No. (083) 520-0280
DAVAO
METRO DAVAO 1 2/F VAB Building, Mac Arthur Hi-way Ulas, Davao City Telefax No. (082) 297-4518 METRO DAVAO 2 Unit 2 & 3, 3rd Floor UCPB Building Business Center, San Pedro Street, Davao City Telefax No. (082) 222-4781 DIGOS 2/F JMC Building 2, Rizal Avenue Digos, Davao Del Sur Telefax No. (082) 272-0973 KIDAPAWAN 2/F Prudenciado Building, Jose Abad Santos Street, Kidapawan, North Cotabato Telefax No. (064) 521-0171
CARAGA
BUTUAN 2/F Rudy Tiu Building 3, Montilla Street, Butuan City, Agusan Del Norte Telefax No. (085) 816-2630
BACOLOD 3/F VSB Building, 6th and 7th Street, Lacson Avenue, Bacolod City, Negros Occidental Telefax No. (034) 434-2577
SURIGAO 2/F Elipe Building, corner Narciso & Kaimo Streets, Surigao City, Surigao Del Norte Telefax No. (086) 826-2442
SILAY 3/F Pollantes Building, Rizal Street, Barangay IV, Silay City, Negros Occidental Telefax No. (034) 495-3660
TAGUM 2/F Door 12-A, Suarez Plaza, corner Sobrecary&Mabini Streets, Tagum City, Davao Del Norte Telefax No. (084) 216-3292
KABANKALAN G/F POS Marketing Building, corner Guanzon & Lirazan Streets, Kabankalan City, Negros Occidental Telefax No. (034) 471-3313 ROXAS 2/F Hernandez Building, Roxas Avenue Roxas City, Capiz Telefax No. (036) 632-0990
SAN FRANCISCO 2/F Gift Gallery Barangay, I Bravo Compound, San Francisco, Aguasan Del Sur Telefax No. (085) 839-3348
NORTH LUZON OPERATIONS NORTH LUZON WEST AREA
SAN CARLOS 2/F Rosario Building (SYM Motors) Rizal Street, San Carlos City, Pangasinan Telefax No. (075) 634-1785 URDANETA 3rd Floor, J. Sua Plaza Building, Alexander Street, Urdaneta City Telefax No. (075) 529-3136 DAGUPAN 3rd Floor, Assada Square Building, A.B. Fernandez Avenue, Dagupan City, Pangasinan Telefax No. (075) 522-6830 SAN FERNANDO, LU G/F Kenny Plaza Building, Quezon Avenue San Fernando City La Union Telefax No. (072) 607-1250
GUAGUA 3/F One Crowne Plaza, Plaza Burgos Guagua, Pampanga Telefax No. (045) 901-1205
PASIG
MABALACAT 2/F Explorer Bookstore Building, #11227 Mac Arthur Hi-Way Dau, Mabalacat, Pampanga Telefax No. (045) 892-1296
BINAN 178 Bonifacio Street, Canlalay, Bi単an, Laguna Telefax No. (049) 411-5958
OLONGAPO G/F Rementilla Building,1630 Rizal Avenue, East Tapinac, Olongapo City Telefax Nos. (047) 611-0477
MARIKINA 2nd Floor, EMH Building II, Shoe Avenue, Santa Elena, Marikina City Telefax No. (02) 584-6870
NATIONAL CAPITAL REGION OPERATIONS BULACAN
3/F RN Building, No. 17 Shaw Boulevard, Pasig City Telefax No. (053) 477-7598
RIZAL
ANTIPOLO 2/F E and F Building, M.L. Quezon Street, Antipolo City, Rizal Telefax No. (02) 584-7179
MEYCAUAYAN 2/F Mancon Building, Mc Arthur Hi-Way Meycauyan, Bulacan Telefax: (044) 815-3960
TUGUEGARAO 3/F Adrian Lao To Building, 145 Bonifacio Street, Barangay Centro 1, Tuguegarao City, Cagayan Telefax No. (078) 304-0494
BINANGONAN 2/F LA Plaza Building, Rizal Street corner P. Gomez Street, Poblacion, Binangonan, Rizal Telefax No. (02) 369-0259
BALIUAG 3/F Writ Building, 1733 Ano Street, corner Roberto Chico Street, Baliuag, Bulacan Telefax No. (044) 761-1958
ANGONO 3/F Aurora Building, Quezon Avenue, Brgy. San Isidro, Angono, Rizal Telefax No. (02) 295-2802
SANTIAGO 3/F 17 City Road, Calao East Santiago City, Isabela Telefax No. (078) 305-1072
MALOLOS UNIT 1215 Mc Arthur Highway, Sumapang Matanda, Malolos City Telefax No.: (044) 796-0390
SOUTHERN LUZON OPERATIONS
CAUAYAN 3/F Room 303, CLU Building, National Highway,Cauyan City, Isabela Telefax No. (078) 652-3910
VALENZUELA 3/F JEM Building, Maysan Road, corner P. Gomez Street, Maysan Road, Valenzuela City Telefax No.: (02) 442-4940
NORTH LUZON EAST
LAOAG G/F Hernandez Building, Barangay 5, J.P. Rizal Street, corner CA Samonte Street, Laoag City, Ilocos Norte Telefax No. (077) 771-4727
NCR NORTH
NOVALICHES 3/F Room 306-309, Our Lady of Mercy Building, #970 Quirino Hi-Way corner Ramirez Street, Novaliches, Quezon City Telefax No: (02) 355-7244
CALABARZON 1
CALAMBA 3/F Sajitec Building, Crossing Calamba, Laguna Telefax No. (049) 502-7242 LOWER CAVITE G/F Huat Building, General Trias Drive, Rosario, Cavite Telefax No. (046) 438-1128 UPPER CAVITE 3/F Reclaine Building, Aguinaldo Hi-Way, Sampaloc 1, Zone II, Dasmarinas, Cavite Telefax No. (046) 852-3273
CENTRAL LUZON TARLAC Block 5, Que Building, San Nicolas, Tarlac City Telefax No. (045) 491-4842
SAN JOSE DEL MONTE 2/F Umerez Building, Tungko San Jose Del Monte City, Bulacan Telefax No. (044) 815-0076
CAPAS 2/F 573 Lanzangan Building, Sto. Domingo II, CapasTarlac Telefax No. (045) 491-3607
CENTRAL CAVITE 3/F Lolo Berong Building, Nueno Avenue Imus, Cavite Telefax No. (046) 472-2251
TANDANG SORA 2/F Units 201-203 D&B Royal Midway Plaza 419 Tandang Sora Avenue, Culiat, Quezon City Telefax No. (02) 952-4210
CALABARZON 2
GAPAN Unit 301 3/F TSI Building, Bucana, Sto. Ni単o Street, Gapan City Telefax No. (044) 486-7809
WEST AVENUE 3/F Unit F Carbal Building, No. 68 West Avenue, Quezon City Telefax No. (02) 441-2363
TALAVERA 2/F, Pecache Building, Marcos District, Talavera, Nueva Ecija Telefax No. (044) 411-0848
NCR SOUTH
PAMPANGA
ANGELES 2/F Cano Building, Plaridel Street, Angeles City Telefax No. (045) 888-1396
SAN PABLO 3/F Jaojoco Building, Burgos Street San Pablo City, Laguna Telefax No. (049) 562-1308 STA. CRUZ 2/F ASL Building, P. Guevarra Street Poblacion III, Sta. Cruz, Laguna Telefax No. (049) 501-6674
METRO MANILA SOUTH 1 3/F Trim Building, # 2755 Taft Avenue Pasay City Telefax No. (02) 846-1304
GUMACA Unit Aguila Building, National Hi-way Pe単afrancia, Gumaca, Quezon Telefax No. (042) 317-7465
METRO MANILA SOUTH 2 2/F Unit E & F, Permarc Building, 8124 Drive, A. Santos Avenue, Sucat, Paranaque City Telefax No. (02) 846-6885
LUCENA 3/F HR Building, Quezon Avenue, corner Gomez Street, Lucena City, Quezon Telefax No. (042) 710-8775
Messages 25 Directory
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2013 - 2017 KMBI’s Four Strategic Directions:
1. Reach out to 314,000 clients, including microentrepreneurs, low-income farmers and fisher folk, OFWs and their families, families of clients, and the poorest of the poor. 2. Deliver holistic microfinance (financial and non-financial services) and community development (financial and non-financial services) to its target clients. 3. Improve portfolio quality, strengthen operational performance and ensure financial sustainability. 4. Facilitate the economic, psychosocial and spiritual development of the program members.
KABALIKAT PARA SA MAUNLAD NA BUHAY, INC.
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2012 ANNUAL REPORT
12 San Francisco St., Karuhatan, Valenzuela Tel. Nos. (+632) 291.1484 to 86 Fax No. (632) 292.2441 website: http://www.kmbi.org.ph