ISSN 2243-8939
communi-k KMBI
VOL 9 NO 1
ENCOURAGING
AND EMPOWERING
INSIDE:
Magbabalik Patience Does ka ba sa Pay Kanya? 10 8
When Teaching The Customer Comes in Different is Always Right? Forms 15 Tama o Mali? 16
Mga Prinsipyo sa Pagkalinga sa Kliyente 22
CONTENT VOLUME 9
NO 1
1st QUARTER 2012
News Briefs
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Batangas conducts tree monitoring at Brgy. Mabacong Butuan supports PhilHealth Run San Fernando hosts LNW Annual Area Fellowship
Organizational News
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IMEP serves 9 clients in Davao City AMF welcomes 22 new farmer partners KMBI celebrates “Masaya Experience” KEY awardees join PinoyME’s anniversary celebration KMBI release CCDE seed fund KMBI pilots Client Feedback System
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Top branches receive cash incentive
Leaders’ Edge 䢺
Magbabalik ka ba sa Kanya?
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Gusto Kong Yumaman Ngunit ‘Di Ko Magawa
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Patience Does Pay
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Protect Yourself from Summer Problems
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Cover Story 䢳䢴
Encouraging and Empowering Faith
Feature Story 䢳䢷
When Teaching Comes in Different Forms
ENTREP 101 䢳䢸
The Customer is always Right? Tama o Mali?
Tips 䢳䢺
Healthy Body, Mas Happy!
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Dito ka na sa Healthy Choice
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PAAno mo Aalagaan ang iyong Paa
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It’s More Fun Bumyahe!
MF Index 䢴䢴
Mga Prinsipyo sa Pagkalinga sa Kliyente
Masaya Dito sa KMBI!!! 䢴䢵
West Avenue 1st Summer Saya
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EDITORIAL BOARD
THE CEO’S NOTE
Rizaldy R. Duque Editor-in-Chief Marissa M. Dela Rosa Managing Editor
For the strength of the pack is the wolf, and the strength of the wolf is the packk -- Rudyard Kipling
Lea J. Gatpandan-Domingo Editor Gellie Anne O. Abogado Associate Editor Janice Balajadia Hazel Chris ne R. Bayaca Mary Grace Burgos Susan Hembrador Sweetheart Maga Rose Ailene R. Pena Marga N. Rodriguez Reggie D. Delos Reyes Contributors John David I. Ulangca Graphics Design
O
ne direc on. One goal. End poverty. I believe this sums up KMBI’s mission and vision for the na on. We may arrive in different approaches and different loca ons and yet we share a common goal – to help people get out of poverty.
Why am I saying this? Each one of us has a crucial role in achieving our goal. Everyone has to come together in courage and in unity to achieve our goal just like the pack of the wolves. If there is a target, these wolves don’t come just as they wish. They plan. They pa ently observe. They think. They seek each other’s help and coopera on. They know that if one move fails at their expense, it will have a great effect on the pack.
Hector H. Celajes Jefferson T. Ng Circula on
To maintain stability, organizing themselves into a pack comes naturally. No hesita ons. No reserva ons. For wolves, pack means loyalty and devo on not just to one another but also to their common goal – survival.
For editorial, contribu ons, sugges ons and inquiries, please contact: RM & C Department Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., Karuhatan Valenzuela City 1441 Philippines Email: leagatpandan@kmbi.org.ph g.ph
And as you read through the pages of this material, may you remember what we need as an organiza on to remain standing amidst difficul es: Affirm who God is and His a ributes. God is not just omnipresent; He is not just omniscient. God is love; God is just; God is holy. We need to understand these so we know how to relate with the others; con nue to Commit and support the vision, mission, goals and objec ves of KMBI; con nue to Trust God as we fulfill our ministry and be a listening Servant-leader. If we take them by heart, I’m confident that we would be able to do the very calling we have at KMBI!
Gusto mo bang ibahagi ahagi ang iyong masayang ang kwento?
As we move forward, let’s learn from the teamwork of the pack of the wolves to achieve our goal. Remember that just like a wolf, the purpose of our existence in the organiza on is the survival of our goal. Let’s stand together just like a pack of the wolves. To inspire us more, let me share with you the “Wolf Credo.” Respect the elders. Teach the young. Cooperate with the pack. Play when you can. Hunt when you must. Rest in between. Share your affec ons. Voice your feelings. Leave your mark.
Eduardo C. C Jimenez Chief Execu ve Officer
Narito na ang Masaya Dito!!! corner na magbibigay daan sa mga natatanging kwento ng mga empleyado. Anuman ang iyong posisyon... anuman ang iyong kwento, mapadrama,comedy, o ac on, basta’t sumasalamin sa iyong totoong karanasan at pagiging masaya ay yak na pasok ang kwento mo dito! Ipadala lamang ang iyong kwento at larawan sa pamamagitan ng email sa leagatpandan@ kmbi.org.ph
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
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News Briefs
Batangas conducts tree monitoring at Brgy. Mabacong
San Fernando hosts LNW Annual Area Fellowship San Fernando branch hosted the annual LNW Area Fellowship on March 17 at the La Union Commission on Audit Basketball Court with the theme “Teamwork: The Secret Ingredients of Success” hosted by San Fernando branch. Part of the said ac vity is a short devo on led by Ptr. Melchor Cavero, San Carlos branch partner pastor. Ptr. Cavero gave emphasis on the important of teamwork and humility. He emphasized that “one could not achieve his dreams, goals, and objec ves without the apprecia on and gra tude to the person who helped and guided him.”
Batangas branch staff and program members during the tree monitoring ac vity at Brgy. Mabacong, Batangas.
KMBI Batangas branch staff and program members conducted an area cleaning and tree monitoring ac vity at Brgy. Mabacong, Batangas on March 10. The 3,000 seedlings was part of the organiza on-wide tree plan ng ac vity ini ated by the Transforma on department last year, “A er 7 months, we are overwhelmed to see these trees growing. It’s a great fulfilment to be part of this ac vity and to con nue taking good care of these trees for the benefit
of the next genera on.” said Richard Medel, Batangas branch manager. Medel further encouraged other branches to also monitor and map in their calendars the yearly visita on, “Being Masaya Dito Sa KMBI means sharing happiness. We could only experience true happiness if we let other people be happy because of our service, and not only to them but also to their community,” Medel added.
This year’s host prepared ac vi es that would strengthen the spirit of sportsmanship and camaraderie. Dagupan, Urdaneta, San Carlos, and San Fernando branches par cipated in the cheerdance compe on and other ball games. “We are conduc ng this ac vity annually to maintain unity and good rela onship among branch staff because it is very important in the opera ons. We will not be able to achieve our goals if we are not connected and in good rela onship with our fellow staff.” said Jasmine Mendoza, OIC, LNW area.
Butuan supports PhilHealth Run In solidarity with PhilHealth’s 17th anniversary celebra on, KMBI Butuan branch staff joined the Mindanao-wide simultaneous run dubbed as “PhilHealth Run: The Mindanao Run for Hope” on February at the Father Saturnino Urios University, Butuan City. The first simultaneous run held across the island of Mindanao gathered more than 17,000 runners from Zamboanga, Cagayan de Oro, Davao, Butuan, Marawi, and Koronadal. The said event aimed to bridge financial assistance for the Kids of Hope of Southern Philippines Medical Center-Children’s Cancer Center and Blood Diseases Unit and Butuan Lingap Center.
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Butuan branch staff posed for pictorial a er the PhilHealth Run.
Organiza onal News
IMEP serves 9 clients in Davao City
Imelda Buna and Heidi Alimios of Metro Davao 1 branch qualifies for the Individual Micro Enterprise Program.
Star ng January 18, the Individual Micro Enterprise Program or IMEP is officially on its pilot tes ng in Davao City, serving nine clients with total loans disbursed at P1.36M. To help support the growth-oriented businesses, several trainings were conducted such as Basic Record keeping, and DTI’s Entrepreneurship Mindset Seminar. A Growth Assessment was also conducted for the enterprises of Lydia Malot and Emily
Salang, both IMEP clients in its prototype tes ng phase. “IMEP has a wide range of loan products, but for the mean me, we only offer noncollateralized financial products to the market. Other systems and features of suplemental products will be offered in the near future,” said Mishell Malabaguio, product development officer of R&D.
In March, Davao’s central business district will be the target of IMEP team’s intensified marke ng and promo ons. Prepara ons for the program expansion are also underway. Coordina on with key officers from KMBI Mindanao opera ons have already been set off. A consulta on mee ng involving these leaders will be organized to ensure that plans materialize reaching more growth-oriented entrepreneurs.
AMF welcomes 22 new farmer partners
Photos L-R: During the 1st tranche release to FC-105 LC-01, Barangay Avancena, Koronadal City; Turnover of 1st check to their facilitator, Kag. Victor Agrazamendez.
Agricultural Microfinance Program or AMF welcomed 22 new farmer partners from the newly established cluster in Brgy. Avancena, Koronadal City.
Currently, the program is serving 4 barangays in Koronadal City and is catering to a total of 69 farmers.
“ We already disbursed a total of Php2.5million as of March this year,” said Junel Villamor, R&D’s product development associate. According to Ros Ma enzo, product development head, aside from the con nuous refinement of AMF’s design and features, the product development team is currently conduc ng a study to determine the responsiveness of the program to its farmer partners’ needs. The farming sector of South Cotabato has recently been encountering problems with rice produc on. Lessons from the experiences of clients and AMF staff will form part of the setup opera onal system for the expansion targeted towards the end of this year.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
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Organiza onal News
KMBI celebrates “Masaya Experience”
KMBI Staff, management and BOTs enjoying different ac vi es during the 2012 Leadership Retreat.
Bringing “Masaya Experience” at its height, KMBI gathered its HO staff and leaders from its branches na onwide for the 2012 Leadership retreat held at The Century Park Hotel, Manila on February 17-18, 2012. With the theme “God’s Call to Unity in the Body” (Ephesians 4:1-6), Ptr. Jebo Banzuelo and Dr. Gloria Jimenez gave inspira onal messages on the value of unity in the organiza on. The various team-building ac vi es prepared by REACH (Resources Employment
And Community Horizons) Incorporated, mulled the importance of unity in facing different challenges and situa ons in life. “Through the ac vi es we learned that in order to achieve unity within the group, we should all learn to respect and give others a chance to cooperate and par cipate,” said Maritess Vargas, Tacurong branch accountant. Moreover, KMBI also presented its 2011 Accomplishment Report and 2012 Business Plan.
One of the event highlights is the official launching of the “Masaya Dito sa KMBI!!!” The campaign aims to share and nourish the “masaya experience” and bring it to the next level. Featuring fun experience of staff and program members in delivering and receiving holis c transforma on program, the “Masaya Dito sa KMBI!!!” official campaign video was also premiered. As Eduardo Jimenez, President of KMBI said, “I want your stay in KMBI to be joyful; and the basis of that is, if God is with us, the joy of the Lord is with us.”
KEY awardees join PinoyME’s anniversary celebra on celebra on of Pinoy ME’s 6th year anniversary. “The event broadened my knowledge in managing the business, and I will share what I have learned from the conven on with my co-members back in Koronadal City,” said Millare. Meanwhile, Cortez tes fied she enjoyed the ac vity and learned the importance of budge ng and passion in doing business. Photos L-R: Microentrepreneurs during one of the sessions; Jesus Tambun ng, President and CEO of Planters bank shared how they merge social responsibility and rural development in their banking services.
KMBI’s 2011 Key Awardees joined Pinoy ME’s Pinoy Microentrepreneurs Conven on on February 23-24. Program
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members Ivy Millare and Precilla Cortez met with other 100 outstanding microentrepreneurs na onwide in
During the conven on, successful microentrepreneurs shared their insights to help other microentrepreneurs grow their businesses. It also provided a venue for par cipants to showcase their products to a larger market.
Organiza onal News
KMBI release CCDE seed fund
KMBI pilots Client Feedback System
Rizaly Duque (Speaker) RM&C Director, discussed Client Feedback System in Capas.
Belen Sison (center) EDS OIC, facilitated the distribu on of goats, piglets, and hog feeds to CCDE members.
CCDE or Carolina Community Development Enterprise, KMBI’s Community Development Project in Naga City, received on February the first tranche of seed fund amoun ng to Php277,970 to purchase piglets and goats for its 22 members. 38 piglets were distributed to 19 beneficiaries and six goats to another 3 beneficiaries. Further, members who received piglets also received hog feeds enough for the next 3-4 months un l its dispersal and vaccina on. B-Meg provides weekly technical assistance to assure beneficiaries of good produce.
“This will be sold to B-Meg through the CCDE with an assured profit given to the beneficiaries and the enterprise. Sales proceeds will again be used to buy new piglets for turn over to the exis ng beneficiaries. The current buying price of B-Meg is higher compared with market price,” said Belen Sison, OIC, Entrepreneurship Development Services (EDS) department. EDS department projects the release of 2nd tranche by April.
Top branches receive cash incen ve KMBI iden fied its top four performing branches for 2011 namely, Kidapawan, Tacurong, Digos, and Lapu-Lapu. Each branch will receive a cash incen ve of P50,000; half of it can be used to fund branch ac vity for clients while the rest shall be given to staff. “This recogni on and cash incen ve acknowledges and salute branches that performed well last year and mo vate others to excel this 2012,” said Rhanny Barrera, ac ng
opera ons director. “However, I would like to remind branches to work hard not just because of incen ves and rewards but because of the work itself. Our work is a blessing and we should treasure it by excelling in what we do. At the end of the day you would not know what more is in store for you because of the good things you’ve done,” cau oned Barrera.
KMBI recently piloted the Client Feedback System (CFS) or Feedbox on selected branches na onwide. Star ng March 2012, the system enables clients and staff to channel its experiences in KMBI through a proper forum. According to Rizaldy Duque, RM&C director, the feedback mechanism aims to capture the complaints and recognize those who are doing the right things at work. “Feedbox is all about communica on and building good rela onship. We are simply giving people an addi onal channel to provide feedback that will help the organiza on to strengthen and enhance its services,” Duque added. The new system shall be piloted for three months in San Jose del Monte, Tandang Sora, Guagua, Tarlac, Upper Cavite, Lower Cavite, Kidapawan, Metro Davao 1, and Cebu North and South, before the na onwide implementa on this year. CFS is part of the incoming Customer Rela onship Management Program of KMBI that will measure, value and create long-term rela onship with its clients.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
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Leaders’ Edge
Magbabalik ka ba sa Kanya? Ni Sweet Maga
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no ba ang paborito mong teleserye? Sigurado akong arawaraw ay excited ka na sundan ang mga susunod na pangyayari sa pagitan ng bida at kontrabida sa iyong pinapanuod na teleserye. Mapapatay kaya s’ya? Makukulong? O magbabagong-buhay? Naalala ko ang isang talinghaga sa bibliya na pinamagatang The Prodigal Son o Ang Alibughang Anak. Gaya ng mga teleserye, isang anak na gahaman sa kayamanan at kapangyarihan ang nagsilbing kontrabida rito. Lahat naman sa a n ay pamilyar sa kwentong ito na matatagpuan sa Luke 15:11-24. Hindi ba’t siya ay naglustay ng salapi ng kaniyang ama para sa masamang bisyo gaya ng babae, alak, at sugal. Pero di kalaunan, nang maubos ang nakuhang yaman sa ama, ay nagbalik ito sa kanilang tahanan. Siguro kung sa teleserye ito nangyari malamang na hindi kaagad mapapatawad ng ama ang anak, maaaring umikot pa ang maraming eksena bago makuha ang kapatawaran. Pero sa kwentong ito, malugod siyang nanggap ng kaniyang ama sa kabila ng lahat. Sa kanyang paguwi, malayo pa man siya, nakita na siya ng kanyang ama at patakbo siyang sinalubong nito, sabay niyakap at hinagkan (v20b). Dito sinabi ng anak “Ama, nagkasala ako laban sa langit at sa iyong paningin. Hindi na ako karapat-dapat na tawaging anak
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mo.”, ang kanyang ama ay sumagot “Dalhin ninyo ang pinakamainam na kasuotan at isuot ninyo sa kaniya. Magbigay kayo ng singsing para sa kaniyang kamay at panyapak para sa kaniyang mga paa. Magdala kayo ng pinatabang guya at katayin ito. Tayo ay kakain at magsaya. Ito ay sapagkat ang anak kong ito ay namatay at muling nabuhay. Siya ay nawala at natagpuan. Sila ay nagsimulang magsaya.” Kung a ng ihahalintulad sa a ng buhay ang istoryang ito, ang ama ay ang a ng Diyos. Tayo ang alibughang anak na nagrebelde laban sa Diyos, pagkatapos ay nagsisi sa kasalanan at bumalik sa Kanya. Sa talinhagang ito maaari na ng matutunan na bilang mga anak ng Diyos, hindi Niya tayo pinipigilang magrebelde bagaman masakit ito para sa Kanya. Binigyan Niya tayo ng kalayaang piliing lumayo sa piling Niya. Tulad ng isang amang lubusang nagmamahal sa kanyang anak, ma yaga Siyang naghihintay sa a ng pagbabalikloob. Maaasahan na n na kung buong puso tayong hihingi ng tawad sa Kanya, manana li Siyang tapat at matuwid (Roma 5:19) at tayo’y patatawarin (1 Juan 1:9). Ang buhay na n ay may simula, may pagdurusa, may kasiyahan, at mayroon ding katapusan - parang isang teleserye.
Ang pagkakaiba lang, tayo mismo ang direktor at pwede na ng sundin o hindi ang script ng kwento ng a ng buhay. Kung ikaw ang kontrabida, ano ngayon ang iyong gagawin? Alam mo bang kahit ano pang pagkukulang ang iyong nagawa ay ma yaga pa ring naghihintay sa iyong pagbabalik ang a ng Diyos? Babalik ka ba ngayon sa iyong naghihintay na Ama?
Kung ikaw ay isang teleserye, ano ang nais mong ending ng iyong istorya? S Sweet is the Transforma on C Coordinator for South Luzon O Opera on of KMBI. She cconsiders her work with KMBI a as an extension of her ministry iin Christ; that is why she feels sso blessed to be part of the o organiza on.
Leaders’ Edge
Ngunit ‘Di Ko Magawa! Ni Gellie Anne Abogado (with excerpts from Palou Abustan’s talk “Ang Babaeng Mayaman”)
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ahat naman tayo ay nangangarap na mabigyan ng magandang buhay ang a ng pamilya at maranasan ang kasaganaan sa buhay kaya naman kayodkalabaw na marahil ang ginagawa ng marami sa a n. Ngunit parang la hindi pa rin sapat ang a ng ginagawa. Ang tanong, nais mo ba talagang yumaman? Syempre naman! Sino ba ang ayaw yumaman, tama? Ngunit kailangan bang manalo pa sa lo o o kaya naman ay makapag-asawa ng mayaman upang magkaroon lang ng maginhawang buhay? D’yan ka nagkakamali. May magagawa ka upang maging mayaman na di kailangan ng tulong ng iba. Kung desidido ka talagang yumaman, narito ang mga bagay na dapat mong iwasan na akala na n ay ayos lang pero ito pala ang mga dahilan kung bakit hindi na n makamtan ang gintong ninanais: 1. Pagnanais ng Simpleng Buhay – Hindi naman masama ang mangarap ng simpleng pamumuhay pero ang sabi na n, gusto na ng maging mayaman. Pero bakit tuwing natanong tayo kung ano ang pangarap na n sa buhay, bakit marami sa a n ang nagsasabi na nais lang nilang magkaroon ng simpleng buhay at hindi naman ang talagang yumaman. Aminin, madalas na n itong marinig o minsan tayo pa mismo ang nagsasabi. May isang kasabihan na, “Be careful of your thoughts for your
thoughts become your words. Be careful of your words for your words become your ac ons. Be careful of your ac ons for your ac ons become your habits. Be careful of your habits for your habits become your character. Be careful of your character for your character becomes your des ny.” Kaya kung nais mo ng simpleng buhay lamang at hindi yumaman, iyan ang pagkakaloob sa iyo, dahil iyon ang sinasabi mo. 2. Pagsasarili ng Problema – Ayon sa Jeremiah 29:11, “For I know the plans I have for you, declares the Lord. Plans to proper you and not to harm you; plans to give you hope and a future.” Nandyan lamang ang Diyos at handa Niya tayong gabayan. Kung ano man ang biyaya at lakas na mayroon ka ngayon kaya nakapagtatrabaho ka ay kaloob ito ng Panginoon hindi ito sa iyo nanggagaling. Kaya naman kung may problema ay huwag mahiyang tumawag sa Diyos. Siya at bukod tanging Siya lamang ang nakakaalam kung ano ang inilaan Niya para sa iyo. 3. Paglulustay dahil, “deserve ko naman ito eh” – Guilty ka ba? Kung nais mong lumago ang iyong pera, dapat lamang ay magkaroon ka ng disiplina at matutong magbudget. Teka, paano nga pala ang tamang pagbubudget? Well, ganito lang ‘yon, 10% ang itabi para sa Panginoon, o sa Panginoon ‘yon ha ‘wag nang galawin pa ( thes); 30% ay itago para sa emergency fund, bayad-utang fund, at kayaman fund or savings; at
ang 70% ay maaari mo nang magamit sa iba pang pinaglalaanan. Tulad nga ng nabanggit sa ikalawang bilang, ang Panginoon ang nagbigay sa a n ng lahat ng yaman at lakas na a ng natamasa, kaya naman nararapat lamang na ibigay na n sa Kanya ang ikapu (10%) ng a ng nakukuha, hindi ba? Tandaan na huwag kang gagastos hangga’t hindi mo pa naitatabi ang 10% at 30%. Disiplinahin ang sarili. Kailangan iyan! 4. Wala Akong Pera eh – Huwag kang maging nega! Kung nais mong yumaman, i-declare mo yan! Mayroon kang pera, maaaring minsan ay hindi sapat ngunit mayroon pa rin. Huwag mo ring sanayin ang sarili mo sa salitang never. Ang mga mayayaman kapag may nais sila, ginagawan nila ng paraan. Kung may gusto kang maabot, i-declare mo yan at gawan mo ng paraan. Huwag makuntento na lagi nalang wala. Pero tandaan na kahit gawin mo ang lahat ng iyan pero nagkukulang ka naman ng pag wala sa Panginoon at pagsisikap ay wala ring mangyayari. Mahirap ang buhay ngunit walang imposible kay Lord basta ipakita mo lamang sa Kanya na ikaw ay deserving sa pagyaman! Gellie is a passionate writer and blogger who came to KMBI to share her love and talent for wri ng and to con nuously inspire people.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
9
Leaders’ ers’ Edge
does pay
By Mary Grace M. Burgos
I
t’s half past 6 in the morning and I am s ll at the corner of EDSA and J. P. Rizal St. (north-bound side) of Guadalupe Maka wai ng for a red, ordinary commuter bus to take me to SM North where I usually transfer to another bus that will take me to the office. Why the red ordinary commuter bus? When running a bit late, it’s usually the be er and faster op on I have over taking the MRT that will guarantee I s ll make it to work on me. But today isn’t like any usual day. It’s Monday and on a day like this, MMDA traffic enforcers would come out early along EDSA. In fact, from where I am standing, one of them is already within sight. I know one or two of them with their motorbikes will come towards where I am standing with other passengers and will mo on us to go where we are and get to their passenger prescribed loading area about 500 meters away. Now I am in an awful dilemma. If one traffic enforcer get near before my bus arrives, I will be forced to walk very far and take a snail-paced bus or climb up and take the MRT. Either way, I will be surely late for work. So I said to myself, no. I will not move yet. I will wait on ‘ ll God causes my bus to arrive.
10 | Communi-K • vol. 9 no.1
About 5 minutes before 7a.m. and as two enforcers were gearing up to begin their approach, my red, all-metal hero appeared in such a powerful speed I was literally swept away! Then, I learned PATIENCE does pay. Pa ence as we have o en been taught is a trait or behaviour associated with the prim and proper. Not being hurried and impulsive but calm, composed and in control despite the hustle and bustle of one’s surroundings and being s ll and quiet despite provoca ons. They say pa ent people do not hurry. When faced with a circumstance, pa ent people usually wait for the right me to take the ac on the situa on requires. This however seems to paint a picture of pa ence as simply a passive wai ng or gentle tolerance. It is not so. Pa ence as “bearing pains or trials calmly without complaining”, “being steadfast despite opposi on or adversary”, “showing selfcontrol under provoca on or strain,” it is not something benign but imply that pains, trials, adversity and strain may also be involved. The Bible confirms this too. In the New Testament, “pa ence” has been translated into mostly ac ve,
t ingredient n a c ifi n g si a is e c n Patie ian life but it st ri h C s u o ri to ic v a to or develops is neither acquired n overnight.
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robust words. Consider, for example, Hebrews 12:1: “Therefore since we also are surrounded with so great a cloud of witnesses, let us lay aside every weight and the sin which so easily besets us, and let us run with pa ence the race that is set before us” (NKJV). In this verse, “pa ence” takes equal meaning with “endurance” and “perseverance”. Anyone par cipa ng in a race can never be passive but has to be someone who will endure the difficul es that come with the compe on. A Chris an runs the race pa ently by persevering through difficul es. In the Bible, pa ence is persevering towards a goal, enduring trials, or expectantly wai ng for a promise to be fulfilled. Pa ence is a significant ingredient to a victorious Chris an life but it is neither acquired nor develops overnight. God’s power and goodness are crucial to the development of pa ence. Colossians 1:11 tells us that we are strengthened by Him to “great endurance and pa ence,” while James 1:3-4 encourages us to know that trials are His way of perfec ng our pa ence. Our pa ence is further developed and strengthened by res ng in God’s perfect will and ming, even in the face
of evil men who “succeed in their ways, when they carry out their wicked schemes” (Psalm 37:7). Pa ence, being also among the fruits of the Spirit Gala ans 5:22 will grow in us if we will con nually open our hearts and minds to the indwelling power of the Holy Spirit. So why be pa ent? If faith can move mountains, pa ence too has its own posi ve consequence. Pa ence never goes unrewarded but always comes with a fulfilled promise. We see in the Bible many examples of those whose pa ence characterized their walk with God and received the fulfilment of God’s promises. James points us to the prophets “as an example of pa ence in the face of suffering” (James 5:10). He also refers to Job, whose perseverance was rewarded by what the “Lord finally brought about” (James 5:11). Abraham, too, waited pa ently and “received what was promised” (Hebrews 6:15). Jesus is our model in all things, and He demonstrated pa ent and endurance: “Who for the joy set before him endured the cross, scorning its shame, and sat down at the right hand of the throne of God” (Hebrews 12:2).
Exercising pa ence in wai ng for a bus however is too simple a circumstance to demonstrate pa ence. Its true test comes o en in situa ons where we feel our personal honor and rights are violated – when people make fun of our physical disabili es, when our sense of fashion is ridiculed, our decisions are opposed, our requests declined, when we become subject of malicious gossips, when we are diagnosed with a life-threatening illness, and so on and so forth. Yet in all of these circumstances, as followers of Christ, we have to persevere and endure as much as Christ did because Pa ence reveals our faith in God’s ming, omnipotence, and love (1 Thessalonians 5:14). Teach us, O Lord, the disciplines of pa ence, for to wait is o en harder than to work. – Peter Marshall Ace has been an HR prac oner for f more than 16 years and currently the HR Manager for Compensa on and Benefits. She is married for almost 15 years, a mother of four lovable kids.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
11
Cover Story
ENCOURAGING
AND EMPOWERING Hazel Chris ne R. Bayaca
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ow faith is being sure of what we hope for and certain of what we do not see (Hebrews 11:1, NIV). By faith we understand that the universe was formed at God’s command, so that what is seen was not made out of what was visible (v. 3).By faith Noah, when warned about things not yet seen, in holy fear built an ark to save his family. By his faith he condemned the world and became heir of the righteousness that comes by faith (v. 7). By faith my family experienced peace, joy, and so much love amidst the crisis we faced when my mom suffered from complicated chronic illness. I recall, however, that on several occasions within those four years of agony, I s ll turned to the Lord and asked “Why Lord? Why her? Why us?” In those moments I couldn’t help but be cynical. Nevertheless, God is slowly unfolding His reasons and great plans. In the middle of trials, the Lord makes us experience His presence and faithfulness more closely in countless and unimaginable ways thru people and situa ons. I can personally a est to the faith that the Lord never le us nor forsook us. Mom peacefully joined the Lord in heaven. Four months a er, my family received a gi of a new life. By faith,
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there is this li le baby inside my womb six months a er my OB-gynecologist said that I will have difficul es in having a baby due to polycys c ovary (PCO) resul ng from hormonal imbalance. The PCO even caused me diabetes, which made pregnancy a much remote dream. Remember how Abraham, by faith, even though he was past his age – and Sarah herself was barren – was enabled to become a father because “he considered Him faithful who had made the promise (v. 11).” I once read from Patrick Overton, educator and community development specialist, that when you have come to the edge of all light that you know and are about to drop off into the darkness of the unknown, faith is knowing one of two things will happen - there will be something solid to stand on or you will be taught to fly. But I wonder why even a er everything we have read and heard about faith, despite the many miracles and evidences in our lives, we s ll tend to lose faith. Have you no ced that nowadays we are so preoccupied with problems and difficul es? Most of the me we talk about what’is wrong with the government, our organiza on, our colleagues, the youth, etc. It seems that cri cal, judgmental, and complaining people
find each other and feed each other with pessimism. And it seems they are always resistant to change. Are you one of them? Hey, admit it! All of us are guilty of that, one way or the other. It’s high me to be different! The Bible tells us in Hebrews 10:23 & 24 “Let us hold unswervingly to the hope we profess, for he who promised is faithful. And let us consider how we may spur one another on toward love and good deed.” In my search for answers on how to encourage and empower faith, I tripped over the sermon of Dr. Robert Myers, Senior Pastor at the Del Norte Bap st Church in Mexico and the website of The Navigators that made me realize about empowering faith: Being reminded that salva on is complete. We are to remind ourselves what it cost God to give us the gi of salva on. This salva on was won and that victory over Satan and death was assured on the cross. Affirming that there is forgiveness. Though victory over sin has been conquered for us, at mes we s ll fall short. Ask God for forgiveness and rely on His promise to forgive and make you clean again. Assurance of victory. You may feel weak and powerless to stand against life me habit that displeases God. You’re no longer
alone! Watch for how God provides ways of escape for you. Assurance of answered prayers. You can ask in Jesus’ name because you belong to Him and trust Him to answer in the way He thinks is best. Knowing Jesus is always with you and guides you. He made a promise in Hebrews 13:5 and Joshua 1:5 that he will never leave you nor forsake you. The Lord is omnipotent, omnipresent, and omniscient. He knows best beyond our understanding. Believing that with God nothing is impossible. Jesus confirmed this in Mark 10:27. God wants us to be encouraged and be an encouragement to others. He has given us the means to do so. Jeff Doles, writer of Keeping the Faith When Things Get Tough and several books on faith,shared some prac cal pointers. 1.Recognize that you do not have to stay discouraged. It may be like a bird that flies over your head, but you do not have to let it nest in your hair. Stop speaking out of nega vity and start speaking in faith. Find out what the Word of God has to say about your situa on. 2.Remember that, if you accepted the Lord Jesus Christ, you are in covenant with God, and He has commi ed Himself
to take care of you in every situa on. 3.Meditate on the Lord. It is not about us, but about Him. Let your medita on be about the Lord, His love, promises, goodness, and works. Get in His presence, give thanks and praise Him. 4.Stand in the armor of God and be equipped as Paul described in Ephesians 6:11-18. Discouragement will tell you that you have nothing going for you and everything going against you. Encouragement tells you that you have everything going for you and it doesn’t ma er what you have going against you. God is on your side, with the provision for every need and the answer for every problem you may have. Now to him who is able to do immeasurably more than all we ask or imagine, according to his power that is at work within us, to him be glory in the church and in Christ Jesus throughout all genera ons, forever and ever! Amen (Ephesians 3:20-21).
Hazel served KMBI under EDS, Transforma on and R&D departments on different periods. She earned both her post-graduate and bachelor degrees at the University of the Philippines.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
13
Leaders’ Edge
Protect Yourself from
Summer Problems
A
re you off for the beach, the sand and some far away land? Or maybe, you might want to do more because this could be an ac ve season for everyone? Summer, perhaps, is the most an cipated season. Most people are out in the sun taking every opportunity to either work or take pleasure. However, while the sun seems to give vibrancy and life, there are situa ons where people may not enjoy it as this could also be detrimental to our health. Here are some of the common summer problems, quick-fix remedies and preven on:
HEAT STROKE Heat stroke is a form of hyperthermia, which means that the body temperature increases drama cally and can be fatal if not promptly and properly a ended. The body is able to generate heat as a result of metabolism, and disperse heat by form of swea ng. In extremely hot condi on or due to very rigid ac vity under the sun, the body may not be able to dispel the heat and the body temperature rises. Dehydra on is also another cause. If anyone suffers from a heat stroke, the first and foremost thing to do is to cool oneself. Get to a shady area, apply or spray water on the skin, fan the vic m to promote swea ng and place ice packs under armpits and groin. If the vic m is able to drink liquids, have him/her drink cold water or other cool beverages that do not contain alcohol or caffeine. Monitor body temperature and no fy emergency services for further instruc ons and treatment.
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Always rehydrate yourself and limit prolonged ac vi es under the sun. Drink plenty of fluids but avoid drinks with too much caffeine, which only lead to dehydra on. Wear hats, light-colored and light clothes.
SKIN, HAIR and SCALP The skin is one part of the body that are always exposed during summer. The warm sunny days of summer drive us to cut short on our usual clothes to make us more comfortable and get the “hot, summer” look. The only hazard is we tend to overlook some skin prepara on to ba le the effects of UV rays. I. Polymorphous light erup on (PMLE). These are itchy, red rashes caused by exposure to ultraviolet radia on from tanning beds and sunlight. They usually appear on the neck, arms, thighs, chest and face. It is advised for people with fair skin to minimize sun exposure by limi ng me under the sun un l the skin gradually gets used to the new weather condi on. Applying sunblock helps prevent rashes from first me occurrence. II. Acne. When it’s hot, the glands in the skin produce more oil; thus, it leads to being more prone to breakouts on the face, back and chest.Avoid scrubbing excessively as this could only worsen the condi on of acne. Use a good scrub that contains jojoba beads, which removes dead skin cells without damaging pores. For women, if you need and can’t help to put on makeup, use oil-free products and put sunscreen.
III. Heat rash. When the sweat ducts are clogged and the sweat can’t get to the surface, heat rash occurs.It o en appears on the body where fric on occurs or in folds of skin. Applying hydrocor sone creams or sprays can calm heat rash. Pu ng on talc on affected areas and wearing breathable, lightweight clothing are also advised to avoid the skin from irrita on. IV. Insect bites. Bugs such as chiggers and cks are commonly found in grass and weeds. They are a racted to heavily scented products such as sprays, shampoos, lo ons and perfumes; thus, using mild scented products can be more helpful during summer. Apply insect repellent when needed but only apply to exposed skin. V. Dry, scorched hair. Avoid pu ng too much chemicals on hair. This is also true to avoid split-ends. Cut your hair regularly to revive its bounce and body. Giving your hair a li le massage can unlock moisture in your hair. You can also use SPF sprays on hair and prevent cancer of the scalp. Taking lots of water and ea ng healthy are s ll the best ways to protect the body from the damaging effects of the sun. Always remember that your health is more important than ge ng all the dazzle this season. As the old cliché goes, too much of everything is bad. You don’t need to stay long under the sun just to experience and show off that you’re “in” this summer. Sources: http://www.livestrong.com/article/19195-skin-problems-summer/ http://emedicine.medscape.com/article/1119686-overview http://www.medicinenet.com/heat_rash/article.htm http://www.medicinenet.com/heat_stroke/article.htm
Feature Story
When Teaching Comes in Rhany P. Barrera Story By Lea J. Gatpandan-Domingo Gatpa
W
hat can I do to become successful in life?? Born in a typical poor family Barrera Ac Ac ng family, Rhany Barrera, ng Opera ons Director of KMBI, once asked this ques on to himself when he was young.
Pro mag-apply sa KMBI as Program Assistant an family ko.” para masuportahan din ang
Rhany was born in a small town in Koronadal City to a rice farmer and a public school teacher. “I remember when I was a kid, I used to sell banana cue, roasted peanuts, pineapple juice and ice candy in Koronadal City. Yung kita ko ay nakatulong sa daily expenses namin.” “Actually a er high school, I see no opportunity to get to college pero hindi ako tumigil na mangarap na maging isang public school teacher like my mother. Nagtyaga talaga ako. Pumunta ako ng Bicol at doon tumulong ako sa farm ng uncle ko. So habang nag-aaral ako, I also work in the Farm hanggang sa makakuha ako ng job as a school janitor at eventually nakatanggap ako ng scholarship.” Rhany was able to finish college with a degree in Secondary Educa on major in Mathema cs. When he returned home in Koronadal, Rhany was able to land a job in a private school. However his desire to enter public school prompted him to resign to have me to review for his licensure exam. “Nakapasa ako noong 1999 and while wai ng for a teaching job, nagkainteres ako nun na
While working at KMBI, despite the challenges, Rhany enjoyed his new journey and his greatest dream shi ed in an instant. “Ang maging isang teacher ang greatest dream ko. I love to teach, kasi alam kong mabibigyan ko ng pagkakataon ang mga estudyante ko na magkaroon ng mas magandang buhay kung patuloy silang mag-aaral. Pero nang maging PA ako, nakita ko na ang pagtuturo ko sa mga program members ay walang pinagkaiba sa pagiging isang guro. I realized that I can also make a difference in other people’s life even outside the classroom.” Known to be a disciplinarian to his program members, Rhany worked hard to gain the trust and respect from his program members “As leaders, regardless of age, we need first and foremost to lead by example. We have to set the values at the center and live with it. This is how I gained their trust and respect.“ Rhany consistently used his dedica on and God-given talent to take on seemingly impossible daily opera ons in Koronadal. “Noong una, hindi ko pa lubusang naiin ndihan ang mission at vision ng KMBI, ang naiini ndihan ko lang kailangan na ng tulungan ang mahihirap. Kaya sa
umpisa ay hindi naging madali para sa akin ang pagbuo ng mga sentro. Minsan kahit tambay ay napapa-utang dahil mahirap sila. Hanggang sa marealize ko na ang mga taong ito ay walang capacity to repay at mukhang hindi rin nila gustong tulungan ang sarili nilang makaahon sa kahirapan. These people should also decide for themselves first to get out of poverty so we can help them.” With that, he started to seek people that are more determined to get out of poverty un l he was able to establish good centers. His determina on, discipline, and passion led him to the peak of his career. Rhany rose from the ranks, handled different posi ons, and relocated to different parts of the Philippines where KMBI has its opera ons. Rhany’s success is the fruit of his passion, determina on and faith in God. At first, he only dreams to become a teacher un l God opened his eyes and revealed His greatest plan for him – to make a difference in the lives of the poor. While real teachers are in school, Rhany con nue his journey outside the classroom where the world is much bigger and teaching comes in diffrent forms. Lea is the Publications Unit Head under the RM&C Department. Her staff consider her both as a mentor and a mother to them.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
15
ENTREP 101
TAMA Ni Janice Balajadia
akakita ka na ba ng malaking poster sa isang ndahan na nakasaad na “Customer is Always Right?” Ano ang implikasyon sa iyo ng katagang ito bilang isang kostumer? Ang statement na “Customer is Always Right” ay galing kay Harry Gordon Selfride isang founder ng London’s Selfridges store na nagbukas noong 1909. Ang ibig sabihin nito ay ang mga kostumer ang laging una sa negosyo. Ginagamit din ang katagang ito bilang isang polisiya ng kumpanya upang maging masaya ang mga kostumer sa pamamagitan ng pagsunod sa kanilang hinihingi. Dahil kung walang kostumer, walang negosyo!
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magresulta ng pagbibigay ng substandard na serbisyo ng empleyado. Alalahanin na ang mga empleyado ay hindi mga robot na walang mga damdamin. Sila ay mga tao na may pakiramdam. Isaalang-alang din na n na meron ding rights o karapatan ang mga empleyado. Sila ang katuwang sa pagpapatakbo ng negosyo. Kapag sila ay nakaramdam ng pangangalaga ng business owner o ng kanilang boss, ito ay makikita sa kanilang uri ng serbisyo. Nagkakaroon sila ng mas higit na mo basyon upang mag trabaho. ‘Pag ganito ang sitwasyon masasabi na n na kapag happy ang empleyado, happy din ang mga customers!
Sa kabilang banda, no one is always right! Lahat ng relasyon, kahit ang pinakamatagumpay na tao minsan ay may pagtatalo, lalo na sa owner-customer rela onship. Kung susuriin na n, ang kostumer ay hindi 100 % na tama. Nakaencounter ka na ba ng isang eksena sa isang ndahan na pinagpilitan ng kostumer na makakuha ng size na hindi naman available? Gayundin, naka-encounter ka na ba ng mga Program Members na galit na galit dahil hindi ma-withdraw ang Capital Build-Up (CBU)? Mapapansin na n na sa ganitong pagkakataon ay nababastos o nagiging kawawa ang mga empleyado na n at nagiging dahilan ito ng pagbaba ng kanilang morale. Maaari rin itong
Alam mo ba na dahil sa katagang Customer is Always Right ay mas binibigyan pa ng special treatment ang mga abusadong kostumer kaysa masasabi na ng nice kostumer. Parang mali hindi ba? Sino ba ang nagiging loyal customer? Di ba ang nice customers. Nakaranas ka na ba ng mga kostumer o kliyente na ipinipilit ang kanilang gusto kahit mali naman? Kadalasan naimpluwensyahan pa ng mga ito ang ibang mga kostumers o kliyente na maaaring ikasira ng negosyo. Isipin na n na pwede rin itong mangyari sa a ng mga ENTREP centers.
Reference: www.smartcampaign.com;www.d ncr.ph
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Mapapa-isip ka na lang sa isang tabi, sila ba talaga ay iyong mga kostumers? Nais mo bang maranasan ang mga ito sa iyong negosyo? Of
Leaders’ Edge
O
MALI
course not! May kasabihan, “Preven on is be er than cure”. Mas magandang kung alam na n ang karapatan ng kostumer upang maiwasan ang mga hindi inaasahang complaints o reklamo. Narito ang walong pangunahing karapatan ng Consumer: 1. The Right to Basic Needs Napapaloob dito ang pag-regulate ng presyo ng mga pangunahing pangagailangan at gayundin, ang pagbabawal ng kartel sa pamilihan. 2. The Right to Safety Karapatan ng consumer o mamimili na maging maingat sa pagpili ng produkto o serbisyo na makasasama sa buhay at kalusugan. 3. The Right to Informa on Ito ay proteksyon ng consumer na magkaroon ng sapat na kaalaman tungkol sa produkto o serbisyo. Ang mga adver sers ay hindi dapat nililinlang ang mga consumers sa pamamagitan ng maling label at maling impormasyon na may kinalaman sa warranty, mga kontrata ng serbisyo, o mga tuntunin sa pagkakautang.
4. The Right to Choose Karapatan ng consumer na mamili ng produkto o serbisyo. 5. The Right to Representa on Karapatan na mailahad ang interest ng consumers sa pamahalaan. 6. The Right to Redress Dito napapaloob ang return and exchange policy. 7. The Right to Consumer Educa on Karapatan na magkaroon ng kaalaman at sapat na inpormasyon ang consumer. 8. The Right to Healthy Environment Karapatang mamuhay at magtrabaho sa kapaligiran na hindi nakasasama sa kalusugan. Sa mga katulad na ng nagtatrabaho sa isang Micro-Finance Ins tu on (MFI), may inilabas ang Smart Campaign na Principles of Client Protec on and Good Prac ce Indicators. Binibigyan nito ng pansin ang tamang pagtrato sa kliyente, pagsiguro na may kakayahan ang kliyente sa pagbabayad, pagiging transparent sa lahat ng impormasyon o transaksyon sa pagpapatakbo ng programa, pagbibigay kalidad sa serbisyo, tamang pagtugon sa
mga reklamo, at pagiging pribado ng mga impormasyon hinggil sa kliyente. Ang mga nakasaad sa itaas ay mahalagang malaman ng bawat empleyado, hindi lamang ng mga frontliners na direktang nakikipagugnayan sa mga kliyente. Sa pakikisalamuha na n sa kliyente (kapwa na n empleyado at mga tunay na kliyente sa labas ng tanggapan) mahalagang maisabuhay na n ang mga ito. Tunay nga na ang a ng mga kostumer ay mahalaga, ngunit mahalaga din ang mga katuwang na n sa negosyo, ang mga empleyado. Maiiwasan na n ang di pagkakaunawaan kung isinasabuhay at alam na n ang karapatan ng mg kostumer. Tandaan Kapag Happy ang Empleyado, Happy din ang Customers!
Janice has been with KMBI for a year now as an EDS Associate; a bubbly young lady who has a passion for her work.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
17
Tips Tips
Healthy Body, Mas Happy! Simpleng pamamaraan upang maging mas fit and healthy By John David Ulangca
B
usy ako! Madalas sinasabi na n ito, pero sa panahon ngayon ay wala na yatang taong hindi busy. Busy sa pamilya, trabaho, at marami pang iba. Kaya naman kapag may kaun ng oras na na ra para sa sarili ay mas pinipili na ng matulog o kumain, o manood ng sine/TV kaysa sa mag-ehersisyo. Karaniwang bik ma nito ang mga taong nagtatrabaho sa opisina. Kapag stressed o pagod sa trabaho ay mas pinipili na ng mag-relax. Kaya mas prone ang mga office workers sa pagiging obese. Nakakita ka na ba ng kargador sa pier o construc on worker na mataba? Karaniwan sa kanila ay mayroong ma punong pangangatawan dahil sa physical ac vi es na kanilang ginagawa. Bukod sa oras ay nakikita na ng gastos ang pag-aalaga sa katawan. Iniisip na ng mahal ang pagpunta sa gym pero kahit naman saan ay pwede tayong magkaroon ng magandang pangangatawan basta’t tayo’y may disiplina.
Ano ba ang benepisyo ng pag-eehersisyo? Magkakaroon ng self-confidence – kapag healthy ka ay mas tataas ang kompyansa mo sa sarili. Mas fresh ang pakiramdam ng taong healthy dahil nailalabas nito ang mga toxins sa katawan habang nag-eexercise. Maliksing pagkilos – dahil tama ang iyong mbang sa iyong height ay mas mabilis ang iyong paggalaw. Mas marami ka ring magagawa sa buong araw. Mas magiging epek bo sa maraming bagay – mapapaganda ng pag-eexercise ang daloy ng oxygen sa a ng katawan. Dahil dito mas maganda rin ang a ng mental ac vity at naenhance rin ang a ng memory.
18 | Communi-K • vol. 9 no.1
Narito ang ilang basic tips upang makapag-ehersisyo kahit na tayo ay busy sa maraming bagay. Sit ups- Pagkagising matapos magdasal sa umaga ay gumawa ng at least 10 sit ups at dagdagan ito kada araw. Nakakatulong ito sa pagpapaliit ng bilbil dahil nutunaw nito ang taba sa a ng katawan at nailalabas na n ito ng maayos kasama ng a ng dumi. Maganda rin na gawin itong muli bago matulog. Mag-jogging or maglakad- Maaaring magjogging tuwing weekends o habang walang pasok. Maaari ring sa halip na sumakay ng jeep o tricycle pagpasok o pag-uwi mula sa opisina ay maglakad na lamang kung kaya namang lakarin ito. Bukod sa maraming taba o calories ang natutunaw nito, mas magiging masigla rin ang iyong buong araw dahil nakakatulong din ito sa maayos na pagdaloy ng dugo sa a ng katawan. Uminom ng tubig- Nakakatulong ang paginom ng tubig di lamang sa pagdaloy ng dugo. Maganda ang naidudulot ng pag-inom ng maligamgam (lukewarm) na tubig kesa sa malamig dahil mas madaling matunaw ang a ng mga taba kumpara sa malamig na tubig. Kumain ng prutas at gulay - “An apple a day keeps the doctor away.” Sikat na kasabihan yan di ba. Totoo naman ito, ang pagkain ng prutas gaya ng mansanas ay nagpapalakas ng a ng katawan. Alam niyo ba na sa isang mansanas lamang ay maari na kayong mabusog at sisigla ang iyong katawan? Maaari din naman kumain ng pinya at berdeng gulay na mayaman sa fiber. Kumain ng marami sa wastong oras – Huwag kang magpakamatay sa gutom.
Hindi dahil gusto mong maging slim ay ipagpapaliban mo ang pagkain. Mahalaga na kumain ng tatlong beses sa isang araw. Ang pinakamahalagang oras ng pagkain ay ang almusal, mas marami mas mainam. Ito ang magbibigay sayo ng lakas sa buong araw. Sa tanghali naman ay maaari pa ring kumain ngunit iwasan ang matataba at masesebong pagkain, kung hindi naman maiiwasan ay siguraduhing uminom ng maligamgam na tubig pagkatapos upang matulungang matunaw ang sebo sa loob ng katawan. Sa gabi naman ay kumain ng maaga at kaun lamang. Piliin ang mga pagkaing magaan sa yan o madaling matunaw dahil sa gabi wala na tayong gagawin kaya di tayo agad agad matutunawan. Ito ay isa sa mga sanhi kung bakit tayo nagkakaroon ng bilbil. Matulog ng maaga - Dapat tayong matulog ng maaga upang makabawi ang a ng katawan na napagod sa maghapon na ng pagtatrabaho. Ang pagpupuyat ay di nakakabu sa a ng pangangatawan, babagsak ito at maaring magdulot ng iba’tibang sakit. Hindi dahil busy ka ay di mo na kailangang mag-ehersisyo at pabayaan na lang basta ang pangangatawan. Maraming simple at murang paraan para magawa ito. Habang bata pa ay simulan na na n ang pangangalaga dito upang kahit na tayo ay magka-edad na ay feeling young and healthy ka pa rin!
David is RM&C’s Publica on Assistant and is responsible for the crea ve layouts of the organiza on’s publica ons. His co-workers see him as crea ve, responsible and approachable.
Tips
q Ni Marga Rodriguez
M
atatamis, matataba, at oily foods, ito ang karaniwang masarap kainin, hindi ba? Kaya naman ito rin ang karamihan sa pinapasok sa a ng katawan, ang sobrang pagkain nito ay hindi mabu sa a ng kalusugan. Halimbawa na lang sa aming pamilya, palibhasa’y masarap magluto ang aking magulang at pare-pareho kaming mahilig kumain, apat sa aming lima ang may diabetes, at isa na ako doon. Mula sa walang pakundangang pagkain, pagpupuyat, at stress, hindi na kinaya ng aking katawan ang tuluyang pang-aabuso ko rito at doon ko naisip na ang lahat pala ay may hangganan. Un -un ay nagbago na rin ang pananaw ko sa aking pagkain, sa aking katawan o kalusugan at sa “wellness” nito. Ayon sa aking doktor, dapat ngnan na n ang a ng katawan bilang isang “investment.” Kung puro basura at unhealthy ang ipinapasok na n sa a ng katawan, basura rin ang a ng aanihin. Kaya nga mayroong mga sakit gaya ng diabetes, cancer, heart a ack, stroke, at iba pa. Kung healthy ang binibigay na ng pagkain sa a ng katawan ay makaiiwas tayo sa sakit. Gusto mo kamo ng healthy foods pero wala kang oras magpeprepare nito?Narito ang ilang ps upang masigurong healthy ang iyong kakainin. 1. Piliin ang fresh at hindi nalutong pagkain. Hangga’t maaari ay dapat 51% na pinapasok na n sa katawan ay fresh. Mga fresh na prutas at gulay ang pinaka mainam, gaya ng ponkan, pinya, mansanas, letsugas, pipino, at iba pa. Pwede mo itong gawing salad, simple na, healthy pa. Sa opisina, madalas kong baon
ay ang vegetable smoothie - kombinasyon ito ng talbos ng kamote, saluyot at dalawang boteng yakult. Mataas sa Chlorophyll content ang dalawang gulay na ito na siya namang nagpapadami at naglilinis ng dugo na n. Ang epekto nito sa akin? Aba mas gumanda pa ang ku s ko! Marami rin itong enzymes, bitamina at minerals na karaniwang nawawala sa pagluto. 2. Iwasan ang “Processed food.” Kung maaari magbaon ng pagkaing kaluluto lamang noong umaga. Umiwas o bawasan ang processed meats tulad ng canned goods, corned beef, fishballs, squidballs, chicken balls, meat loaf, siomai, hamburger, etc. dahil madalas itong may dagdag na “extenders.” Madalas may mga nitrates ito at iba pang mga chemicals na nagpapalaki sa a n. Maraming pag-aaral na rin ang nagawa ukol sa pagkain ng processed meat arawaraw ay nagdudulot ng mas malaking risk sa heart disease at cancer. Bakit hindi mo subukan ang pagkain ng mais, kamote, kamoteng kahoy, mani, saging na saba, at iba pa para sa iyong almusal o merienda. Nariyan rin ang lutong gulay, at hindi rin naman ipinagbabawal ang pagkain ng karne gaya ng inaakala ng iba, kailangan lang na moderate ang pagkain nito. 3. Uminom ng maraming tubig lalo na sa biyahe. Minsan, ang akala na ng gutom, ay uhaw pala. Uminom ng at least 2 liters a day para malinis ng a ng katawan at
maiwasan ang UTI, pagkahapo, at sa dehydra on. Para sa mga nagbabawas ng mbang at madalas sikmurain, magandang pambusog at neutralizer ng acid ang tubig. Ang tubig din ay madalas ginagamit ng alterna ve doctors para pang-detoxify ng katawan na n. 4. Uminom ng tsaa o tea. Maraming klaseng tsaa na gawa sa green tea ang mahusay sa a ng katawan at hindi kasing acidic ng kape. Ang mga tsaa ay may “flavonoids” na tumutulong kalabanin ang cancer, sakit sa puso at pre-mature aging. Meron din nauusong “ginger tea” at “turmeric tea” na gawa sa luyang dilaw. Mahusay ang turmeric na panlaban sa pabalik-balik na ubo at di matanggal na sipon. Tinutulungan kasi ng turmeric ang katawan na n maging mas malakas ang resistensiya laban sa mga bacteria at virus. Marami pang healthy at murang pagkain na available sa a n. Importante na magkaroon tayo ng interes na magbasa ukol dito para maalagaan na n ng mabu ang mga katawan dahil ito ang puhunan na n sa a ng mga trabaho. So, sana sa susunod na kailangan na ng magdesisyon kung ano ang kakainin, pillin mo na yung healthy choice.
Marga is currently the Web Unit Head under the RM&C Department of KMBI. Crea ve and passionate are two words which best describes her. She is responsible for the crea ve and innova ve online campaigns of the organiza on.
Mga Sanggunian: h p://www.wisegeek.com/what-are-flavonoids.htm, h p://www.bewellbuzz.com/general/benefits-of-turmeric-for-skin-and-more/, h p://www.huffingtonpost.com/neal-barnard-md/processedmeat-cancer_b_919034.html, h p://altmedicine.about.com/od/popularhealthdiets/a/Raw_Food.htm,h p://thetaoofgoodhealth.com/10-health-reasons-why-you-should-drink-more-water-4/
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
19
Tips
PAA
No Mo
Aalagaan ang
L
iyong PAA
akad dito, lakad doon. Gala dito, gala doon. Kung saan-saan na nga tayo nakarara ng. Kapag napagod, bibili ng tubig, uupo sandali, magpupunas ng pawis at lakad muli. Teka, teka, kinamusta mo na ba ang iyong mga paa? Aba, sila ang nagpakapagod na magdala sa iyo kung saan saang lugar kaya naman dapat lamang na kamustahin mo sila. Sandali lang, hindi mo ba sila nabibigyang pansin? Kung gayon, magpatuloy lamang sa pagbabasa at i-share ko sa inyo kung paano nga ba na n maalagaan ang a ng mga paa ng hindi naman sila magtampo sa a n at patuloy pa rin tayong makagala. Okay ba? 1. Hugasan ang paa – Simple lang di ba? Ngunit hindi lang ito basta babasain ah!
20 | Communi-K • vol. 9 no.1
Dapat kuskusin mo hanggang sa mga singit ng bawat daliri dahil doon maaaring mamugad ang mga fungi at bacteria. Ayaw mo naman siguro na magkaroon ng di kanais-nais na amoy ang iyong paa, hindi ba? 2. Tuyuin ang paa – Tama nga naman na punasan na n ang a ng paa. Dapat din bigyang atensyon ang pagpupunas sa mga singit ng a ng mga daliri upang hindi ito pamugaran ng bacteria. 3. Mag-moisturizer – Sino may sabing mahal ang mag-moisturize? Humanap ng lo on na makapagbibigay sa iyong paa ng karampatang moisture upang hindi maging dry ang iyong paa. Ano nga ba ang itsura ng dry na paa? Ito yung namumu ang paa, nagka-crack
ang sakong at hindi magandang ngnan talaga. Kaya naman dapat na alagaan at pagandahin mo rin ang iyong paa. Matapos maligo, ugaliing lagyan ng lo on ang paa. Isa pang karagdagang p, tuwing matutulog, maglagay ng lo on at magsuot ng co on na medyas para ma-absorb ng paa ang moisturizing proper es ng lo on at maging mas maganda ang iyong paa. Ngunit tandaan na iwasang lagyan ng lo on ang singit ng daliri dahil maaari itong pamugaran ng bacteria. 4. Linisin ang kuko – Pedicure! Tama, pedicure nga ang tawag doon. Hindi naman kinakailangang mapamahal o di kaya ay magbayad pa ng pang-pedicure. Sa totoo lang, maaaring gupitan mo lamang ang iyong kuko upang mapana li itong malinis. Ngunit tandaan na ang paggupit ng kuko ay dapat sa hugis na square upang hindi ka magkaroon ng ingrown nails. Alam mo naman sigurong medyo may kasakitan ang pagkakaroon ng ingrown hindi ba? 5. Sapatos at Tsinelas – Hindi naman kinakailangang bumili ka pa ng mamahaling sapatos o ng Havaianas na tsinelas. Tandaan lang na bago mo bayaran ang iyong sapatos ay siguraduhing hindi ito masikip para sa iyong paa kung hindi, maaari kang magkaroon ng kalyo. Sa tsinelas naman, upang maging maayos ang proteksyon ng iyong paa, huwag ipagpilitan ang small size. Bumili ng tsinelas na kasya ang iyong paa upang magkaroon ito ng karampatang proteksyon. Madali lang naman alagaan ang iyong mga paa at nararapat lamang na bigyan sila ng kaukulang pansin upang hindi tayo magsisi sa huli. Ang a ng mga paa ang tumutulong sa a ng makara ng kung saan mang lugar at madalas nga ay sila ang unang napapagod tuwing tayo ay umaalis. Bigyan mo sila ng pansin. Hindi dahil nasa baba sila ay hindi ka na maaaring yumuko upang alagaan sila. Tandaan mo na ang iyong mga paa ang nagdadala at bumubuhat sa iyo. Nakokonsensya ka na ba? Mga sanggunian: h p://aideno hetower.hubpages.com/hub/TakingCare-of-Your-Feet h p://www.wikihow.com/Take-Care-of-Feet-atHome
Tips
It ’s More Fun
Bumyahe! Ni Marissa Dela Rosa
K
inaka na ba ang paa mo bumyahe? Aminin mo, ikaw ba yung po na hahamakin ang lahat makagala lang? O pong mag-iinarte muna pero sasama din naman? O yung po na basta maisipan, alis na agad? Kahit anong karakter ka pa, basta sa galaan tandaan na may natawag na “art and science of travelling.” Ano daw? Tama ang iyong narinig. Hindi biro ang magbyahe dahil bukod sa iisiping gastos kailangan din isipin maige ang mga dapat dalhin bago umalis. Iyon ang art and science dun! Imaginin na lang kung bago ka palang umalis ay stressed ka na at lalo pang mastress dahil kulang na lang isama mo ang buong kwarto o bahay mo para lang sa ilang araw na bakasyon! Nakakatawa di ba. Kaya narito ang ilang handy ps para masigurong wagi ka sa bawat byahe mo:
1.Ano ba ang kailangan ko i-pack? Una, saan ka ba pupunta? Importanteng malaman mo ang weather, ang kultura at mga gusto mong puntahan na lugar para hindi ka mabigla pagda ng sa iyong des nasyon. Tandaan na magkaiba ang ibig sabihin ng “gustong dalhin” sa “dapat dalhin.” May mga gusto kang dalhin pero kaya mo bang ising wala ito ng kahit ilang araw lang? Kung OO, deadma ka na muna dahil baka hindi mo rin naman
yan kailanganin pag andun ka na. Bigyang importansya ang “need” vs “want” para hindi mo pagsisihan ang pagdala ng unnecessary things sa byahe. 2.Paano paga-gaangin ang buhay dahil sa bag? Kahit sinong seasoned traveller ang tanungin iisa lang ang sasabihin nila, na nakadepende sa gagami ng bag ang pag-gaan ng buhay ng isang byahero. Kung sa beach ka pupunta, wag magdala ng bag na may gulong unless patag at malayo ang iyong lalakarin. Mainam din na mbangin muna ang bag bago ito lagyan ng laman. May mga bag na mabigat kaya kung ayaw mong magdusa sa pagbuhat, yakin na ang gagami ng bag ay lightweight, durable, angkop ang size lalo pa ang shape nito. Kung kaya mo naman magbyahe na isang bag lang ang dala, gawin mo. Siguraduhin lang na kasya ang gamit at hindi na kakailanganin pang gami n ang dalawang kamay sa pagbi bit. Wag kalimutan lagyan ng lock ang zipper para hindi ka manakawan at maparanoid sa pagbabantay ng iyong bag.
gusu n. Ang polo, dress at luku ng mga tela ay dapat na nasa ibabaw. Maari ring ibalot sa plas c ang mga nairolyong damit upang hindi rin ito mabasa. Magagamit muli ang plas c na ito bilang pambalot ng maruming damit o lalagyan naman ng pasalubong sa iyong paguwi. Toiletries. Ito na yung sabon, shampoo, deodorant, atbp. Ilagay ito sa isang Ziploc bag para hindi ito tumapon sa mga damit or ibang gamit. Gamot. Ilagay sa isang maliit na medicine kit na madaling tandaan. Sapatos. Ilagay sa isang drawstring bag para hindi humalo sa ibang malinis na gamit Kaya kung magbabyahe, tandaan lang ang mga simpleng ps na ito. Basta ang rule of thumb, huwag magdala ng hindi naman kailangan. Pagplanuhan mabu ang dadalhin kahit pa sabihing spontaneous travel ang iyong gagawin. Gawing standard ang one travel bag tuwing bibyahe para mas maging magaang at pahingado ang pakiramdam. Siguro naman pwede mo ng sabihin na “It’s more fun bumyahe!”
3. Paano ang tamang pagpack ng gamit? Damit. Wag i klop ang damit gaya ng nakasanayan bagkus ay irolyo lang ito gamit ang ssue paper para maiwasang ang pagkulubot o iyong natawag na “wrinkling” sa damit. Ilagay din sa pinakailalim ng bag ang pantalon at iba pang damit na hindi
M is the Communica on Maris Manager under the RM&C M Department. Her staff describes D her as someone who stands h up for them and on what she u believes in. She manage to b develop a good rela onship with d her staff while also being a good h lleader.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
21
MF Index
MGA PRINSIPYO sa PAGKALINGA SA KLIYENTE
DAAN PATUNGO SA MAUNLAD NA BUHAY Ni Reggie Delos Reyes
inulat ang mundo sa balita noong 2010 sa India nang may pitong kababaihang kasapi ng SKS India Microfinance (isa sa pinakamalaking MFI sa India) ang nagpakamatay dahil hindi sila makabayad ng kanilang mga utang. Ayon sa imbes gasyon ng Microfinance Ins tu ons Network, maliban sa mahigpit na paghatak ng mga personal na gamit ng mga miyembrong di makabayad, may ilang emplyedo ng SKS ang nagpayo na isang paraan upang mabayaran ito ay ang pagpapakamatay dahil mababayaran sila ng kanilang microinsurance!
G
Samantala, sa bansang Mexico, ang COMPARTAMOS Banco (pinakamalaking MF bank sa La n America) ang unang microfinance bank na nagbenta ng ini al public offering (IPO) noong Abril 20, 2007 ang umaani ng kontrobersya. Pangunahing dahilan dito ay ang kanilang mataas na interes na umaabot ng 101% kada taon! Dahil daw ito sa mataas na gastos ng paglalagay ng mga loan officers sa kanilang mga sangay, ngunit lumabas sa pagsusuri na ang bulto ng kanilang gastusin ay napupunta sa sweldo at benepisyo ng kanilang pamunuan. Nagbibigay tanong tuloy sa a n: “maari ba na ang mga organisasyong tulad ng KMBI na tumutulong sa mahirap ay magiging sanhi sa kanilang patuloy ng paghihirap at pagbaba ng kanilang antas ng buhay? Mayroon
22 | Communi-K • vol. 9 no.1
bang pamantayan na dapat sundin ang mga tunay na development organiza ons upang patuloy na alagaan at kalingain ang kapakanan at interes ng mga mahihirap habang kumikita tayo? Syempre ang sagot na n dyan, meron. Mula sa karanasan ng iba’t ibang ahensya sa microfinance, naitatag ang natawag na SMART Campaign na siyang nagpapalaganap na natawag na CLIENT PROTECTION PRINCIPLES. Sa kasalukuyan, may pitong prinsipyo itong isinusulong. Ang Board of Trustees ng KMBI ay sumang-ayon at pinag bay ang mga prinsipyong ito noong Enero 2012. Sa madaling salita, ang pangangalaga sa a ng mga miyembro ay kasama na sa a ng pangunahing tungkulin. Narito ang pitong (7) CLIENT PROTECTION PRINCIPLES at ilang aplikasyon nito sa programa ng KMBI. Appropriate product design and delivery Ang Provider (o KMBI) ay dapat isa-alang alang ang wastong paraan sa pagdi-disenyo ng produkto at kung paano ito ihaha d ng hindi makasasama sa mga kliyente. Ang mga produkto at “service delivery channel” ay idi-disenyo batay sa katangian ng mga miyembro. Dito pumapasok ang pagiging need-based ng a ng mga produkto (pinansyal at di-pinansyal) dahil sa umpisa pa lamang
ay isinasama na ang wastong paraan upang ito’y ipatupad. Kailangang ito ay pakikinabangan ng kliyente upang umunlad ang antas ng kanilang buhay, habang iniingatan na huwag silang maabuso sa proseso. Ito ang gabay ng a ng Research and Development Department. Preven ng Over-indebtedness Tini yak nito ang wastong pangangalaga sa lahat ng proseso ng pagpapautang. Sinusuri dito ang kakayahan ng kliyente na gami n sa tama ang nahiram na pera at mabayaran ito sa tamang panahon at maiwasan ang pagkabaon sa utang. Dahil ang hindi tamang pagpapautang ay nagre-resulta sa mas higit na kahirapan ng mga kliyente. Sa panahon ngayon kung saan ‘saturated” na ang merkado, marami nang pagkukuhanan ng pautang ang mga microentrepreneurs. Dapat lamang na maging wasto ang pagpapatupad ng credit at background inves ga on ng a ng mga branch officers at staff. Kasama din dito ang tamang pagsusuri sa cash flow ng mga kliyente upang malaman kung magkano talaga ang kailangang dagdag puhunan para sa kanilang mga negosyo. Transparency Lahat ng impormasyon tungkol sa credit program ay naipapaalam sa mga kliyente sa paraan na madali nilang main ndihan. Binibigyang pansin nito ang maliwanag
A
Masaya Dito sa KMBI!!! CORNER CO
na impormasyon sa halaga, patakaran at kondisyon ng mga produkto. Ito ang pangunahing dahilan kung bakit walang “hidden charges” ang KMBI. Meron tayong orienta on upang maging maliwanag sa mga kliyente kung ano ang kanilang makukuha at kailangang bayaran at gaano katagal itong dapat bayaran sa linggwahe na kanilang naiin ndihan. Inuulit ito sa Branches bago ang re-loan upang maging yak ang mga kliyente sa kanilang pinapasukan. Responsible Pricing Ang presyo, patakaran at kondisyon ay dapat na abot-kaya para sa mga kliyente at sapat din naman upang kumita ang KMBI. Dito binibigyang pansin ang pagbalanse ng interes ng kliyente (mababang interes sa utang) sa pangangailangan ng KMBI na kumita. Kaya dito ibinabatay ang interes at iba pang fees na kailangan upang maisulong ang transforma onal agenda ng KMBI at mabigyan pa ng wastong interes ang CBU ng mga kliyente. Fair and respec ul treatment of clients Binibigyan halaga dito ang pagkakaroon ng mabu ng pakikitungo, paggalang, walang kinikilingan o bahid ng diskriminasyon ng mga empleyado ng KMBI sa mga kliyente nito. Nakapaloob din dito ang mga hakbang upang matukoy at maitama ang korapsyon pa na rin ang agresibo at abusadong pagtrato ng kaniyang mga kawani at mga ahente, lalo na sa panahon ng pagbibigay ng pautang at pangongolekta. Privacy of Client data Ito ay ang pagrespeto sa privacy ng mga impormasyon hinggil sa kliyente. Ang pagkakaroon ng integrity at security ng mga impormasyon ng kliyente ay mahalaga at kalakip din nito ang paghingi ng permiso sa kanila kung sakaling kailanganin ng ibang tanggapan ang nasabing impormasyon.
Tulad sa mga bangko, pinu-protektahan na n ang mga datos ng a ng mga kliyente at hindi na n ginagamit maliban lamang sa paraan na pumayag sila. Isang halimbawa dito ay sa bawat litrato na gagami n sa anumang KMBI publica ons ay ngangangailangan ng pahintulot mula sa kaukulang miyembro at hindi maaring gami n sa ibang paraan upang hindi sila maabuso. Mechanisms for complaint resolu on Pagkakaroon ng sistema sa pagtanggap, pagtugon at pagsasaayos ng mga hinaing o reklamo ng kliyente.
West Avenue 1st Summer Saya By Susan Hembrador
T
he heat is on this summer! West Avenue branch staff, program members and their families gathered for the first time to
a day of fun-filled activi ty at the Hi-Rizz Resor t , Tanza, Cavi te. aimed to strengthen relationships.
Ito ang dahilan kung bakit magpapatupad tayo ng natawag na FEEDBOX Sugges on Mechanism . Sa kasalukuyan, nasa pilot stage tayo ng sampung (10) branches (San Jose,Tandang Sora, Guagua,Tarlac City, Upper Cavite, Lower Cavite, Cebu North, Cebu South, Metro Davao 1 at Kidapawan). Pag natapos na ang pilot run nito (June 2012) ay ihahanda na ang lahat ng mga branches upang gami n ang FEEDBOX.
Our day star ted wi th praise and worship to give
Sa pagtatapos, mainam na kilalanin na n na ang KMBI ay sumusunod sa mga prinsipyong binanggit na ng Bibliya, tulad ng pagtulong sa mahihirap, pagkilala at pagrespeto sa dangal ng bawat tao, pagiging tapat sa tungkulin, servant leadership at patuloy na pagkilos sa kagalingan. Ang wastong pagkaunawa at pagsasabuhay ng mga prinsipyong ito sa anumang aspeto ng a ng mga trabaho ay tunay ngang magiging daan ng a ng mga program members tungo sa maunlad na buhay.
recollect memories from the activi ty during their
thanks to the Lord for allowing us to have this activi ty, followed by a shor t inspirational devotion by P tr. Jun Sanoy. Afterwards, program members star ted the activi ties by competing in sing and dance contest and several parlor games where everyone had a really fun time. “Masaya Di to Sa KMBI!!!” is truly evident as par ticipating program members still share and center meeting. One of the program members and center vice president for finance, Laura Pascual testified “Ang saya, sana mauli t uli t, grabe sumaki t ang tiyan ko sa katatawa dahil ang kukuli t ng mga palaro.”
Being the manager of the Resource Mobiliza on Division is a challenging task but Reggie does it well. His co-workers see him as a hard working and focused leader who stops at nothing to achieve his goals for the organiza on with the provision from the Lord.
“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) |
23 23
Organizational Performance
1st Quarter 2012 Efficiency Loan Ac vity
Indicators Loan Ac vity
Cost per Unit Lent* Cost per Loan Made* Financial Self-Sufficiency Opera onal Self-Sufficiency
Php 0.19 Php 1,195.73 97.42% 106.95%
Client Outreach
266,694
Loan Por olio
Php617.60M
Value of Loans Made
Php522M
Ave. No. o f Client per PA
276
MF Opera ons
1214
No. of Loans Made
83,393
Support Group
98
*Peso-dollar conversion as of March 31, 2012 – Php 42.90
Number of Staff
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 creation”
Our Mission “KMBI is a Christ-centered development organization, existing to help transform the lives of its clients by providing sustainable microfinance, training & demand driven non-financial services”
Core Values Respect Integrity Stewardship Commitment to the Poor Discipline Innovation Excellence
Kabalikat para sa Maunlad na Buhay, Inc. Head Office: KMBI Bldg., 12 San Francisco St., Karuhatan, Valenzuela City Tel (02) 291.1484 to 86 l Fax (02) 292.2441 http://www.kmbi.org.ph
24 | Communi-K • vol. 9 no.1