Ck 1stq 2015

ISSN 2243-8939

Vol 12 NO 1

INSIDE:

12 Managing Change

14 Joy at Work

18

2 years... Zero PAR and counting!

INSIDE

vol. 12 no.1

NEWS 4 5 6 7 8 9

Board of Trustees Convene for 2015 AGM Former Phil. Treasury Head Joins KMBI New Org Structure Implemented COG Revives Branch Performance Ranking Executive Director attends Haggai Institute Training Maxicare tapped as New Health Provider for Staff 12% VAT Collection on loan interests begin April 1 Taxes Lowered for 13th Month Pay and Bonuses Staff Incentive Scheme Faces Review Early Release of 13th Month Pay HCG reveals Face Me winners HO Holds 1st Bowling Tournament HCG Pilots Peer Assessment System

LEADERS’ EDGE

10 Mission Drift: Are We in Danger?

12 Managing Change

COVER STORY

14 Joy at Work (He says, She says...)

16 Are you a High Performer or Workaholic?

17 Nasaan ka ba Joy?

For Circuit Training Tips Check out pages 24-25

FEATURE STORY:

18 2 years...Zero PAR and Counting!

20 Siomai Queen

TIPS:

22 Affirming the Power Within You 23 Have You Been Kind and Generous Lately?

24 Tabang Di-matunaw, I-circuit mo yan!

MF INDEX:

26 Legal Vocabulary 27 Comics and Sudoku 28 Org and Branch Performance

PA Noon, BM na Ngayon?

Find out more in page 18

2

| Communi-K • vol. 12 no. 1

THE EXECUTIVE’S NOTE “Joy at Work.” Ito ang tema ng ating issue ng Communi-K ngayon, isang bagay na kung saan para sa mga manggagawanguri ay mahirap magkaroon. Maraming dahilan kung bakit ang kagalakan habang tayo ay nagtatrabaho ay hindi nararanasan o naisakakatuparan gaya ng kawalan ng kakayahan na mamuno ng isang bisor o taga-panguna, mapaniil na paligid, maliit na pasahod, walang sapat na kagamitan, maling pamamalakad, mapanghusgang mga kasamahan o kliyente, at marami pang ibang dahilan. Ngunit isang bagay ang aking naitanong sa aking sarili, “Kung ang lahat ng mga nabanggit na dahilan ay mawawala, makadarama na nga ba ako ng kagalakan sa aking ginagawa?” Sa huli, naisip ko na hindi pa rin ako magkakaroon ng kagalakan sa aking ginagawa kahit na mawala ang mga inakala kong balakid. Mawala man ang halos lahat ng balakid ngunit may matira lamang na isa, sapat na ito upang hindi ko maranasan ang kagalakan sa pagta-trabaho.

It is our common tendency that we find hard to be contented with things. Many times our source of contentment is addressed or resolved only to find ourselves discontented again because of another reason. Every contentment we are able to muster through our own strength and doing is just temporal. In this manner, if we ourselves cannot command contentment to happen in our lives, how much more with things that are beyond our control. Could there still be a way to find joy at work? The answer is a resounding, “Yes! There is still a way.” I really believe that there is one ultimate and only way to have joy at work and that is to surrender our lives to Jesus Christ by confessing our sins to Him and accepting Him as our Lord and Savior, and continue to walk our journey through His Spirit and live according to His Words or the Bible. Basically, joy at work can be possible through a surrendered life to Jesus (our source of joy) with complete dependence and obedience to Him. Doing so will erase worry in our lives which is either the root cause of discontentment resulting to elusive joy at work or the main reason in having no joy at work. The Bible says, “But seek first his kingdom and his righteousness, and all these things will be given to you as well” (Matt. 6:33, NIV). The key is to seek “His kingdom” which I interpret as complete dependence and obedience to Jesus Christ. By obeying this command, the Bible promises that “all these things,” referring to things that make us worry, will be added unto us and therefore we will be joyful.

Come to think of it, KMBI is a Christ-centered organization. Isn’t it logical to find our joy in Jesus? The key really to having joy at work is Jesus Christ. No more, no less. Have Jesus and have a great day ahead!

RIZALDY R. DUQUE Executive Director EDITORIAL BOARD Marissa Dela Rosa Editor-In-Chief

Margaret Rodriguez Graphics

IBAHAGI ANG INYONG 1KMBI experience!

Margaret Rodriguez Managing Editor

For editorial contributions, suggestions and inquiries, please contact:

Hinihikayat din namin ang lahat ng empleyado, anuman ang posisyon... Na magsumite ng kanilang mga kwento ayon sa kanilang karanasan sa KMBI na may kalakip na picture at ipadala sa email :

Reginold Delos Reyes Rhany Barrera Margaret Rodriguez Blesilda Visaya Richard Domingo Pio Marquez Marissa Dela Rosa Maria Fiorella Occena Contributors

Corporate Affairs & Communications Department Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco Street., Karuhatan, Valenzuela City

jiulangca@kmbi.org.ph

Joy at Work

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Org News Board of Trustees Convene for 2015 AGM

David D. Gutierrez Chairman & VP

Eduardo C. Jimenez President & VC

Virginia P. Juan Member

Atty. Raineer Q. Chu Member

Pursuant to the Corporation Code of the Philippines and KMBI By-Laws*, the Board of Trustees (BOT) held its Annual General Membership Meeting at the KMBI head office last Feb 28, 2015.

Highlights of the said meeting were the BOT election, the addition of Mr. Eduardo Sergio G. Edeza as member and the ratification of 2014 resolutions.

The assembly voted to elect the following members as Trustees and Officers for the year 20152016, namely: David D. Gutierrez , Chairman and Vice President ; Eduardo 4

Atty. Romel R. Bagares Corporate Secretary

Jose D. Dalino Member

C. Jimenez, President and Vice Chairman; Atty. Romel R. Bagares, Corporate Secretary; Edgardo F. Garcia, Corporate Treasurer; Dr. Virginia P. Juan, Member, Atty. Raineer Q. Chu, Member; Bishop Jose D. Dalino, Member; Eduardo Sergio G. Edeza, Member.

Mr. Jimenez, a longtime consultant on microfinance to the Bangko Sentral ng Pilipinas and a well-known figure here and abroad on financial inclusion, replaces Mr. David D. Gutierrez, who stood at the helm of the Board as KMBI went through what is yet its most trying time in its 29 years of existence.

| Communi-K • vol. 12 no. 1

Edgardo F. Garcia Corporate Treasurer

Eduardo G. Edeza Member

The new President thanked his predecessor for steering the corporation through difficult waters in the last two years, when it was wracked with a bitter intra-corporate dispute now being litigated in court. “I am confident with Mr. Jimenez as President, KMBI is in better hands,” said Mr. Gutierrez. * Under KMBI By-Laws Article 4-Meeting, Section 1, The Annual Meeting for the purpose of electing members of the Board of Trustees of the corporation shall be held every 4th Saturday of February of each year. It must be held at its principal office at No. 12 San Francisco Street, Karuhatan, Valenzuela City.

(Amended June 8, 2008)

Org News News Org Former Philippine Treasury Head Joins KMBI The BOT announced the admission into the corporate membership and the election into the Board as a new Trustee of Mr. Eduardo Sergio G. Edeza, former National Treasurer of the Republic of the Philippines and the Treasurer of the Bangko Sentral ng Pilipinas and the incumbent Senior Vice President for Treasury of San Miguel Corporation.

“Mr. Edeza’s joining us is a great support for the corporation,” said Mr. Jimenez. “His financial acumen and experience will be a much needed contribution to us as we look forward to expansion in the next five years.”

Mr. Edeza, a banking and treasury expert with over 29 years of experience tucked under his belt, is back with the private sector after his stint with the government. Prior to his current post at San Miguel Corporation, he worked as Senior Executive Vice President (SVP) at Metrobank and as President of the Bank of Commerce.

New Org Structure Implemented The long wait is over as KMBI Board of Trustees (BOT) finally announced the approval of the new organizational structure for 2015-2020.

The new structure is more streamlined, consultative and more apt to further the strategic goals of the organization. Thus, it will now be composed of 5 major groups: Credit Operations Group (COG) - Implementing body for credit programs and non-financial services to clients.

Client Services Group (CSG) - Caters to client’s needs in training, products, insurance and values education.

Institutional Support Group (ISG) - Ensures efficient administration of equipment and services as well as ensures safety of staff, data and properties.

Finance and Accounting Group (FAG) Ascertains all financial transactions of the organization.

Human Capital Group (HCG) mobilizes needs for KMBI staff for optimum productivity.

Executive Management Office (EMO) - Manages all legal, communications, and internal control matters.

Supports the BOT and ED. The New Group heads are as follows: Rhany Barrera is appointed director of COG; Hazel Christine Bayaca, CSG; Madelyn Frijilliano, FAG; Edwin Aruelo, HCG; and Reginold Delos Reyes, ISG. Part of the roll-out is the JD workshop given last March 20, 2015 that will become the basis for the salary rationalization and appointment of new positions on April 2015.

(From Upper Left to Right) Rhany Barrera Credit Operations Group Hazel Christine Bayaca Client Services Group Madelyn Frijillano Finance & Accounting Group Edwin Aruelo Human Capital Group Reginold Delos Reyes Institutional Support Group

Joy at Work

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Org News COG Revives Branch Performance Ranking The Credit Operations Group is currently reviving its old tradition of ranking branches based on performance on a quarterly basis.

Ranking criteria are loosely based on the following: 1. Average active clients per Program Assistant.

2. Client fall-out.

3. Portfolio-at-risk (PAR)

rate.

4. Average disbursement rate per Program Assistant.

5. Average income per Program Assistant.

emulated and studied for possible best practices in people & loan management and client marketing strategies.

Other than encouraging healthy competition, the listing are a source of pride and inspiration for KMBI employees to improve their performance.

Currently, KMBI is looking at institutionalizing the branch ranking into its policies and systems to possibly reward the top performers in the future.

Top performers are

Top Ten Performing Branches January-March 2015 1ST QUARTER RANK

1 2 3.5 3.5 5 6 7 8 9 10

AREA

BRANCH Koronadal

SOCSKSARGEN

Santiago

NLE

Angono

Rizal

Tandang Sora

NCR North

Digos

Davao

Tuguegarao

NLE

Metro Davao 1

Davao

Victorias

Negros

Mandaue

Cebu

Cebu North

Cebu

*Note: Ranking is still in pilot stage and unofficial

Maxicare tapped as New Health Provider for Staff KMBI tapped Maxicare as the new healthcare provider for regular staff.

According to Total Rewards Management department, the health coverage is an improvement from previous HMO as the new health package includes 110,000 Maximum Benefits Limit per illness (MBL), an online LOA issuance, in-patient care 6

with semi-private room, out-patient care, dental care, and annual physical check-up.

Maxicare Coverage runs from March 10, 2015 to March 9, 2016. HMO kits were delivered on March 25, 2015 to KMBI Head office and branches nationwide.

| Communi-K • vol. 12 no. 1

Exec Director Attends Haggai Institute Training From March 2-27, KMBI’s Executive Director, Rizaldy R. Duque attended a month-long Advance Leadership Training at the prestigious Haggai Institute in Maui, Hawaii.

“This is part of our Leadership Development program in KMBI. I can say that what I’ve learned from the training is more than the investment KMBI generously gave me.“ Duque quips.

Haggai Institute trains credentialed leaders from Asia, Africa, Latin America and the Middle East thru training to impact their world through Jesus.

Org News 12% VAT Collection on Loan Interests Begin April 1,2015 Effective April 1, 2015, KMBI collects 12% Value Added Tax on its loan interest nationwide as part of its compliance to the Bureau of Internal Revenue’s (BIR) order.

This comes as a big leap for the organization, transitioning from NonVAT to VAT. From the perspective of the Bureau of Internal Revenue, the microfinance services of non-stock, non-profit MFI organizations are already subject to VAT because loan services from

microfinance non-stock, non-profit MFI organization are treated as activities conducted pursuant to a trade or business.

dissemination drive was also launched nationwide for better understanding of VAT for both staff and clients.

Hence, to mitigate the effect of VAT on clients, KMBI will absorb all VAT coming from processing fee, MI fee, CGLI fee and passbook instead of passing these on to clients. An information

The 12% VAT covers new and existing loans, where clients were given two options to settle their VAT payment; 1.) to pay the weekly VAT and 2.) to pay the VAT during the last amortization.

KMBI Branch Managers and Accountants listen attentively during the VAT Information Campaign

Taxes Lowered for 13th Month Pay and Bonuses The Total Rewards Management (TRM) department under the Human Capital Group (HCG) announced the implementation of RA 10653 across the organization effective February 12, 2015.

According to Sharon Dionco, manager, TRM department, KMBI shall immediately apply necessary adjustment on tax computation to those covered by RA 10653.

adjusting the 13th month pay and other benefits ceiling, from Php 30,000.00 to Php 82,000.00, excluded from the computation of gross income for purposes of income taxation.

The RA 10653 is an act

Joy at Work

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Org News Staff Incentive Scheme Faces Review The Staff Incentive Scheme (SIS) is now on its 7th month of implementation and awaits further review from the Human Capital Group.

The said program was first conceptualized to improve the earning capacity of KMBI’s 73% majority - the program assistant. Studies show that implementing an incentive scheme can help boost operational performance, reward performing staff and provide additional income for Program Assistants in lieu of salary adjustments.

The program targets four parameters as basis of its

monetary payments. They are: Case load per PA, which refers to an increase in client outreach equivalent to an incentive of P31.20 for every 1 client in excess of 250 clients to a maximum of 300 clients.

Loan Outstanding per PA which refers to the increase in loans loans receivable, equivalent to an incentive of 0.000866666 or 0.1 % for every P1.00 in excess of P1.2M to a maximum of P3M. Client retention rate per PA, shall refer to an

equivalent incentive of P78.00 for every 1% increase in client retention in excess of the minimum 90% client retention.

Portfolio-at-risk (PAR) deductor is the 20% deduction of the total incentives earned per 1% increase in PAR. As a consequence, the PA crossing the 5% limit will not receive any incentive.

Under the said scheme, a maximum total incentive of Php 3,900.00 can be earned by a PA per month. The Human Capital group is currently discussing about possible improvements on the SIS.

Early release of 13th Month Pay KMBI released the first tranche of the 13th month pay for all regular employees on May 4, 2015 amounting to their five (5) months salary.

immediate financial needs of KMBI staff especially now that school enrolment is coming,” according to Edwin Aruelo, director, Human Capital Group .

“The early release is meant to augment the

The second and final tranche of the 13th month

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| Communi-K • vol. 12 no. 1

pay shall be released in November, covering seven (7) months worth of salary.

The tranche releases are part of HO Finance and Accounting policies on compensation and other benefits.

Org News HCG reveals Face Me Winners The Human Capital Group revealed the four KMBI Face Me winners on March 6, 2015 after its month-long promotion via Facebook.

Sherwin Cromente and Abigail Ann Jordan, representatives from Davao and the Head Office respectively were chosen as KMBI Face Me of the Year based on their happy face and beautiful mind.

Meanwhile, Earl Benito and Princess Carey Paredes both from NLE area

were the People’s Choice winners having received the highest number of Facebook likes.

The contest was the brainchild of the Human Capital Group to coincide with the corporate devotion’s theme for February, Joy at Work.

The contest aimed to encourage a positive working attitude and increase job productivity for operations and support staff.

From Top to Bottom : Face Me of the Year: Sherwin Cromente, Digos Branch; Abigail Ann Jordan, Head Office From Left to Right: People’s Choice Winners: Earl John Benito, Santiago Branch ; Princess Paredes, Cauayan Branch

HO Holds 1st Bowling Tournament 1st year anniversary of the HO recovery after the infamous takeover.

KMBI Head Office held its 1st Bowling Tournament last Feb 6, 2015 in SM Valenzuela. Head Office staff organized the said activity to celebrate the

Total Rewards Manager Sharon Dionco and Procurement Unit Head Lito Penalosa reigned as Bowling Queen and King respectively. The Human Capital Group (HCG) plans to organize more sports fest to promote camaraderie and sportsmanship among staff.

HCG Pilots Peer Assessment System The Human Capital Group (HCG) piloted on February 2015 the “Peer Assessment System” as part of the July-Dec 2014 Performance Evaluation.

According to Richard Domingo, staff dev. specialist, the evaluation of peers and subordinates on their respective leaders is an effort to enhance the current performance management system in place.

Joy at Work

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Leaders’ Edge

Mission P

eter Greer and Chris Horst’ book “MISSION DRIFT” was a revelation on how organizations face the tendency of moving away from its original mission. It surfaced the reality that the question of “mission drift”, a byword among development organizations, was a serious question we never asked ourselves.

Can we still remain true to the purpose we were created or become something else? Was it possible to become MISSION TRUE in a saturated and cutthroat environment where everybody is fishing at the same small lake?

When we speak of “transformation is our business”, what do we mean? Are we measuring the rate of transformation for clients, or however it is measured, or simply

we reflect at our total assets, client outreach and retention, portfolio quality as the final indicator for good organizational performance?

And the Answer is YES. Like all big problems, changes in the organizational culture and direction comes from seemingly harmless decisions. Let me point out some of the potential reasons for being Mission Untrue:

1. WE HAD ALLOWED TO BE DEFINED BY MICROFINANCE We say that microfinance is our tool for transformation, an entry point for households and eventually exposing them to the Gospel.

The question really is “how do we carry out

10 | Communi-K • vol. 12 no. 1

Dr

our transformation agenda” and where does microfinance comes in?

Are we following the model of “microfinance plus (meaning with values formation)” or holistic transformation (with microfinance as an offered service)? How do you strike the balance for both?

2. WE ARE NOT CLEAR ON WHAT TRANSFORMATION WE ARE LOOKING FOR Being specific in our desired vision is critical in forming our operational systems, structure and methodologies. When we say “ To see people in communities”, what does that mean? Do we mean “geographical communities” or do we include “sectors of societies”. Another is “with strengthened faith in God”. Does this imply

Leaders’ Edge

rift: rift

Are we in Danger?

that (a) through us people make a profession of the Lordship of Jesus, or (b) from a unchurched person becoming a church person?

By being specific we are able to tailor ways of effectively reaching out our mission. But when we are still fuzzy about what we would like to see, just like getting 20 people to answer one question and arriving at 20 different answers, then this is a critical weakness that we need to address.

3. WE ARE CONFUSED

BY THE WORD “CHRISTIAN” Here lies a contentious point. Can KMBI, a ministry started by a local church and identified as a “Christ centered development organization”, be “unchristian” at the same time? What makes an

By Reginold Delos Reyes

organization Christian?

When do we say that we are a “Christ centered” development organization?

The absence of a corporate Statement of Faith is an indicator that we need to further clarify this crucial aspect.

Now we are forced to ask the hard and critical questions.

4. WHERE WE PLACE OUR FUNDS REFLECT OUR HEART

The process to move to Mission True organization is a daunting task that would require corporate commitment and endless evaluation until we are able to commonly articulate, expound and practice holistic transformation. But there is no option for us. Only by being a MISSION TRUE organization can we achieve relevance in the over-all scheme of God’s Kingdom here on earth.

Being mission true means to be deliberate in what we do. Where we place our resources is indicative of what we value. Money, by its very essence is a tool to get things done.

When you let money, or the “perceived” lack of it determine your direction, you move away from your mission. We become economically driven materialists or in political thought, practicing Marxists**.

What now?

Who are we?

What would we like to see? What is our role in that future?

** Marxism is anchored on the belief that economics (or materialism) determines our future.

Joy at Work |

11

Leaders’ Edge

Managing Change

CHANGE AHEAD

By Rhany Barrera

Change is inevitable.

As the old adage goes, “the only permanent thing on earth is CHANGE”. Change is part of our daily lives, it happens in our homes, at our workplace, in our relationships and even in our selves. It happens to the rest of us. It is indeed hard to move on after a broken relationship or every time we find ourselves in an unfamiliar situation.

Being unaccustomed to a new circumstance makes it difficult for us to cope.

We tend to make mistakes.

We get hurt. We become afraid. We don’t like it, but we cannot avoid it. As they say, change is like a ghost, the more you are afraid, the more it will hurt and haunt you.

As I said, in life, we all encounter different situations that tests our capacity. Nobody is immune to it. But our

reaction to these changes can be managed.

How?

1. RECOGNIZE CHANGE AND BE PREPARED Since we know that change certainly happens in every aspect of our life, being prepared is very important.

One good exercise is to plan in advance and always think of the worse case scenario. Don’t get me wrong on this. Thinking ahead only means we are ready for Plan B in case the previous plan doesn’t work as planned. It would help us control our reaction because we have studied other options.

2. CHANGE YOUR MINDSET It is all about our attitude.

We cannot control events, situations and the people

12 | Communi-K • vol. 12 no. 1

around us. BUT, we have all the choices in our hand as to how we will react on a certain situation.

Mastering our self is very important in coping with change. Our attitude can actually help us or become our liability if we fail to master it. We are what we think. Things do happen twice, first in our mind before it will be actualized.

The mind is the factory of all our action, thus, in this tiny muscle everything is conceptualized. If we are trained to think well, our physical body will do well; if our mind is trained to think self-centeredness and evil, our physical body will likewise translate it physically. Investing in our mind by thinking good thoughts is a best habit we can make as this would not only give us positive outlook in life but will also protect us in many uncharted situations and events happening in our lives.

Leaders’ Edge 3. LEARN AND DEVELOP YOUR SELF

to survive in a fast changing environment.

Ignorance is an enemy of change. Take a look at people who get easily affected by change. They are the ones who are usually afraid of growth and resists change.

4. BE AN AUTHOR OF CHANGE RATHER THAN A VICTIM

Remember, we cannot separate progress from change. As long as we live, we will encounter change, as Harol Wilson perfectly puts it, “He who rejects change is the architect of decay. The only human institution which rejects progress is the cemetery”.

That is why learning is a lifelong process.“Survival goes not necessarily to the strongest but to the species that is most adaptable to changing circumstances”, according to Charles Darwin. Learning is not an option; instead it is a necessity for an individual

People who see the big picture are most likely innovators of change.

They don’t remain victims rather they move toward progress and commonly tend to be successful. Learn from the life of people who in spite of uncertainty, continue to hold on to their dreams, remain focused and believed in their selves. In the end, they don’t just survive, they initiated change and became champions of their chosen field. Not only they become successful but they also influenced the life of other people, including those who felt are victims of change.

5. TRUST GOD. Above all remain in the promise of God. When He said “For I know the plans I have for you… plans for welfare and not for evil, to give you a future and a hope“ (Jer. 29:11), He means that inspite of the situation.“And we know that for those who love God all things work together for good, for those who are called according to his purpose” (Romans 8:28). God’s love to His children is true 24/7 and will remain true until the end of the day. That promise is enough for us to be confident of our life.

Let us embrace change and be a better person so that next time we encounter difficulties because it is different from what we used to, simply put on a brave face and move on.

Joy at Work |

13

Cover Story

B

eing relatively new to the organization, it has been quite a challenge to get into the groove of things. In those early months, it was a constant battle of will and wits to wake up every morning to face the day. I kept on reminding myself that I have chosen to be here or I was led to be here.

This led me to thinking what is my journey all about? What is our journey all about? What is our organization’s journey all about? As Atty. Rainier Q. Chu puts it during this year’s first ever Corporate Fellowship, “our

spirituality is a journey, a journey of finding Christ.”

Now this leads us to the topic of Joy at Work and how to find it. According to Atty. Chu, “JOY at work is basically our journey to be able to see Christ. Our JOY is every time we are able to see Christ in what we are doing.” What will work, what will last is the definition of shalom in the Bible. Shalom is peace with God, peace with people and with one’s self. If we are able to have these three in our lives then we have J-O-Y.

J ESUS

This is about believing and accepting that Jesus is

very much part of our lives. However painful sometimes life could be, Jesus is always there working in it. This is a testament that JOY is about having HOPE. Hope as represented by Jesus’s presence in our lives and that we have to continue fulfilling our mission, whatever that mission might be.

OTHERS

We have to reconcile upon ourselves that we are not alone. We are very much different as we are the same within the organization. What is common among us is that we share the vision and mission of this organization.

We have to believe that the value of the work that we do for the organization and the people that we serve, our program members outweighs our individual differences. When your passion becomes your work, it is no longer work.

YOU

It is difficult to be connected if we have no awareness of who we are. of what is our impact with one another. You have a journey within yourself and then you have journey together as a community in worship. Key to finding joy is self – awareness and

14 | Communi-K • vol. 12 no. 1

JO

@ WO

He says...

By Bless Visaya (Excerpts from Atty. Raineer Q. Chu’s talk on Joy at Work)

finding Jesus Christ within us, within you. Solitude is a way of starting worship.

We have to have a time with God. You have to have a time with God.

Indeed, JOY is very realistic, honest and courageous. It allows us to face whatever situation we are in and still feel at peace in the work that we do. To journey with Him and to find JOY where we are planted.

OY

ORK

She says...

By Marga Rodriguez (Excerpts from Maloi Salumbides talk on Joy at Work)

A

re you happy that you are working in KMBI? Or does any of these three phrases look familiar to you? Does it mirror your attitude towards work?

1. Lunes na naman! Bakit ang ikli ng bakasyon?

2. Ang boring na ng work ko…

3. Ang hirap… I give up!

If you said “yes” to any or all of the phrases written above, then maybe there might be something lacking

in your cultivation of Joy at Work. Remember that attitude accounts for a lot. It starts with our thoughts.

You always have an option to dwell on the negative as much as you can dwell on the positive. When you find yourself entertaining one of those thoughts, be reminded of the Passage in Philippians. “ Finally, brothers and sisters, whatever is true, whatever is noble, whatever is right, whatever is pure, whatever is lovely, whatever is admirable—if anything is excellent or praiseworthy—think about such things.”

-Philippians 4:8

So always remember that you have a choice. It starts with the things you feed your mind. We only have a limited time in this world.

So be wise on what to focus on. I encourage you to choose to think about joy. When we have joy in our hearts, excellence is sure to follow. Some will ask... how do I become excellent? What are the things I have to remember to excel on the things I need to do? There are five pointers for this:

Expose oneself to

Excellence Let some excellence from your mentor rub off on you!

Xtraordinarily

Persevere Never give up amidst trials and tribulations.

Communicate Clearly and Confidently When other people understand you, people will be more obliging to help you to where you need to go.

Explore New Frontiers Opportunities lie in unchartered waters.

Learn Endlessly

It’s never too late to learn something new. Learning is our path to growth.

According to John W. Gardner, who authored the theory of Multiple Intelligence, “Excellence is doing ordinary things extraordinarily well”.

So, when we do our work, we should always do it with pride and excellence! Let us look beyond our imperfect mortal bosses. The work that we produce is for the Glory of His ministry.

In the end, we are all ultimately accountable to God. So, we shouldn’t just be joyful, but we should autograph our work with our mark of Excellence!

Joy at Work |

15

Leaders’ Edge

S

ome employee will say, “I am hardworking”, and others would say “I work smarter”. Maybe you are also quoting the same phrases. In reality, there are employees who are considered high performers and some workaholic. Looking at your way of working, are you a high performer or a workaholic?

According to lexicon, a“high performer” is an employee who is a key contributor, demonstrates high performance, may be qualified for a broader role within the same profession and has reached the potential to move “upward’ in a management capacity. Meanwhile, a “workaholic” is simply a person who is addicted to work. According to wikipedia, this person may possibly enjoy his work or simply feel compelled to do it.

Now, here’s the fun part.

Put a check mark on the items you think best describes you at work. Be honest! ___ 1. Do you seek feedback from your

supervisor to check whether your performance is acceptable or not? ___ 2. Do you arrive very early in the office and/or render daily overtime to prepare projects? ___3. Do you remain emotionally stable or calm and consistent in your working style even under pressure? ___4. Do you believe that the best way to get more work done is to render more working hours? ___5. Do you manage your time, complete the workload and plan ahead with a great deal of autonomy? ___6. Do you feel stressed when you’re not at work? ___7. Do you mentor or train other employees to help them improve their productivity? ___8. You often disturb your officemates who are enjoying vacation with his/ her family or taking time to enjoy their leaves? ___9. Do you value your self because you believe that by doing so, it allows you to serve others at a higher level? (i.e. vacation, leaves, enjoyment with family) ___10.You cannot say no to your boss even if your

16 | Communi-K • vol. 12 no. 1

workload is too heavy for you to carry? ___11. Do you design your day in the office and do the most important thing first and move if necessary other unnecessary things first on the next day? ___12.When on vacation, you are always online and checking your office email account?

Now the verdict: Odd numbers represent high performer employees while even numbers, reflects a workaholic.

So are you a workaholic or a high performer?

Always remember that at the end of the day, workaholic do work to look important while high performers look for important work to do. :-)

References: Jullien Gordon, nationally recognized speaker and founding partner of New Higher Jada A. Graves, Careers product manager at U.S. News http://www.salesbenchmarkindex. com/blog/how-to-turn-b-playersinto-top-sales-performers

Leaders’ Edge

M

insan may isang babae na nawalan ng singsing. Nakita siya ng isang binata habang hinahanap niya ito sa labas ng bahay. Ano ang hinahanap mo? Tanong ng binata? Yung singsing ko kasi nahulog. Saan ba nahulog? Muling tanong niya. Doon sa loob ng bahay sagot ng babae. E, bakit dito mo hinahanap sa labas, pagtatakang tanong ng lalaki? Kasi sa loob madilim e, dito maliwanag.

Sa kwento, makikitang may mali na agad. Hinahanap ng babae ang kanyang singsing sa lugar na alam nyang malabo itong makita. Ang senaryong ito ay nagpapa-alala sa akin kung gaano kahirap makita ang kasiyahan o yung tinatawag na “JOY” sa trabaho man o personal nating buhay.

Of course, lahat naman tayo nagnanais ng masayang buhay, katunayan kahit pa magtiis

tayo o magpakamartir, pilit nating kinakaya para lang maging masaya. Pero syempre gaano man ang nais natin na makatikim ng kahit konting “joy” sa buhay, minsan ang ending pa din ay kalungkutan.

Tingnan na lang natin ang kwento ng ilang mayayaman na miserable sa huling araw ng kanilang buhay. Ang mga kilalang celebrities na halos sambahin na ng mga fans, nabibili ang anumang nais pero ano ang nangyayari?

Kundi man sila lulong sa droga, ang iba naman ay depressed at nagsu-suicide na lang.

Nasaan ka ba JOY? Bakit ang ilap mo?

ay nagkatawang tao, ipinako sa krus, namatay at muling nabuhay upang iparanas sa atin ang kasiyahang kailan man sa mundo ay hindi matatagpuan. Ayun sa Pahayag 2:4 sa Kanyang pagbabalik, “Pupunasin ng Diyos ang bawat luha sa kanilang mga mata. Mawawala na ang kamatayan, ang pagtangis, ang pag-iyak o ang kabalisahan. Ang mga bagay sa nakaraan ay lumipas na.” Wow! Ito ay isang napagandang pag-asa sa lahat sa atin na naglalagak ng buhay sa Panginoon. Ito ang “Joy” na di na mapapawi at maaagaw sa atin kailanman!

Ayon sa Filipos 4:4 “Magalak kayong lagi sa Panginoon. Inuulit ko, magalak kayo!”

Napakaganda ng sinabi dito ni Pablo dahil malinaw niyang sinabi na ang tunay na kasiyahan ay nasa Panginoon. Ang Panginoon

Ikaw, hinahanap mo pa rin ba si “JOY”? Bakit hindi ka lumapit sa Panginoon na Siyang pinagmumulan ng lubos at tunay na kagalakan? Wala namang mawawala kung susubukan mo ngayong papasukin Siya sa puso mo.

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Feature Story TWO AND A HALF YEARS...

ZERO PAR and

COUNTING!

BY MARGARET ROSE RODRIGUEZ

K

MBI Mandaue Branch looks like your typical microfinance trust bank.

It typically opens ahead of its neighboring offices and loan officers are dispatched early to make their rounds. Inside the branch, the low ambient hum of the airconditioning and the buzz of the dot matrix printer fill up the space of an otherwise quiet office. But what lies in an unassuming exterior is the fact that it has

Rebecca Prada, Branch Manager of KMBI Mandaue

maintained the status of zero-PAR for more than two years.

“Our secret?

Operationally, everyday is month end,” Rebecca Prada, Branch manager enthuses. So instead of scrambling at the end of the month to gauge the over-all performance of the branch, staff observes the “month end” attitude every single day. Rebecca further drives this in by educating and instilling the discipline of ontime payment to the program members, and continuously reminds staff not to compromise on loan repayment strategies.

According to Rebecca, maintaining Zero-PAR status is not an easy task.

“It takes a lot of personal sacrifice, hard work

18 | Communi-K • vol. 12 no. 1

and determination.” She explains that more than the technical know how, it is important to change the mindset of the staff.

Our secret?

Operationally, everyday is month end.

q Part of changing the mindset, is to produce a setting that will reinforce those changes. Rebecca recalled the resistance from her staff when she was first appointed PUS. “The staff didn’t like me as their leader, at first.”

She took this in stride and humbled herself. Rebecca knew she had to change within. She started to make deliberate efforts to

Feature Story connect and bond with her staff thru counseling and extending her patience.

Soon after, her efforts paid off when she finally established trust, opened communications line and created a healthy working environment.

When the 2014 corporate dispute surfaced, Rebecca was appointed branch manager due to a leadership vacuum in Mandaue. This was a very challenging time for her.

As newly appointed BM and with the pressure to maintain the Zero-PAR tradition, she immediately inculcated the culture of passion for work with everyone.

It was also during this time she had to learn how to appreciate and trust her people. “My two PUS are my wingmen. In this kind of work, it is very important to know the

My two PUS are my wingmen. In this kind of work, it is very important to know the person and their work ethics before you place them in key positions.Your job becomes easier and you can easily identify the kind of support that they need.

relationship with her fellow officers is key in winning the hearts and minds of the staff. “When you have a solid team, everything else follows.”

So how do you maintain Zero PAR? With Mandaue Branch, they have been proving how it can be done in two and a half years… and counting!

q person and their work ethics before you place them in key positions. Your job becomes easier and you can easily identify the kind of support that they need.” Rebecca added that having a harmonious

Rebecca and her team in KMBI Mandaue Branch

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Feature Story

Siomai Queen

Si Madam Myrna Hamot, habang gumagawa ng siomai sa kanyang kitchen sa Roxas City.

S

i Madam Myrna Hamot ay isa sa mga inspiring nanay ng KMBI. Mula sa kanyang natutunan na paggawa ng siomai sa KMBI, napaunlad niya ito at ngayon nga ay kinikilala na siya bilang Siomai Queen ng Roxas City.

Sinubukan naming balikan si Madam Myrna nito lamang nakaraang taon upang kamustahin ang kanyang siomai.

Laking gulat namin nung malaman namin na wala na ang kanyang dating canteen sa Veterinary Medicine ng Capiz State University. Nasira daw ito ng bagyong Yolanda.

“Medyo may kalungkutan kasi nasira nga yung canteen ko, pero after mga 2 weeks, tuloy pa rin naman ako. Tapos nag-

opening muli ang klase, nagtinda na ulit ako ng siomai. Kasi nga ang problema nung mga bata pag hindi daw ako nagtinda, wala daw

pero may natira pa ring maliit na store dito kaya lumipat muna ako for the meantime,” ani ni Myrna.

“

Naniniwala akong kung unahin mo nga ang Panginoon, siya ang mag-guide, siya ang magbibigay ng strength.

” silang kakainin na mura saka masarap pa, yun ang sabi nila. Kaya nga lang malungkot dahil wala na yung building

20 | Communi-K • vol. 12 no. 1

Kahit na parang nagsisimula muli si Myrna, pakiramdam niya ay hindi nawala ang magic ng kanyang siomai. Arawaraw ay patuloy syang gumigising ng maaga para gumawa ng fresh siomai.“Kapag 6-6:30 na ng umaga, tapos na ‘ko gumawa ng siomai, delivery na yun. Minsan pinipick-up nila dito, minsan hinahatid ko, yun.

Tig-150, tig-100 so makaminimum ako ng 450 to 500 a day. Pieces yon.

Per piece ang benta ko pero may 50 centavos sila bawat isa. 4.50 bale ang sa akin. Merong isa nakiusap na four pesos na daw

ang ibibigay ko para daw malaki naman kitain niya.

Kasamahan naman natin sa KMBI kaya pinagbigyan ko rin. Sa hapon naman babalikan ko na sila para maningil. Ubos ang siomai araw-araw”, pagmamalaki ni Myrna.

Ayon pa kay Myrna, kahit siomai lamang ang kanyang tinda ay malaki naman ang kitang dala nito. Mula sa siomai, si Myrna ay kumikita ng mahigit dalawang libong piso (PHP 2,000) kada araw at ito ay ginagawa lamang nya tuwing madaling araw at naniningil na lamang tuwing hapon. Ang galing di ba?

Kung tutuusin, minumungkahi na noon ng kanyang mga anak ang kanyang pag-reretiro subalit para kay Myrna, mas may malaking purpose ang Panginoon kung bakit siya ay nagpapatuloy sa pagnenegosyo.

“Ang dasal ko naman parati kay Lord eh, ano lang naman ang hinihingi ko e, yung mabigyan ako ng strength at saka maipagpatuloy ko na mailuto ito para sa mga tao na nangangailangan at mapaglikuran Siya sa pamamagitan ng aking pagtuturo sa mga nanay tuwing may bible study.

Naniniwala akong kung unahin mo nga ang Panginoon, siya ang magguide, siya ang magbibigay ng strength. Huwag mo namang sabihing iyo lang ang lahat, hindi ka mabebless. Kailangan maibalik mo ang para sa kanya.”

Sa ngayon ay pinagpaplanuhan na ni Myrna at kanyang mga anak ang pagpapatayo ng isang pwesto na “malafastfood” sa dating pwesto niya sa Vet Med. Nung tanungin kung ihihinto nya ang paggawa ng siomai “hindi dahil swerte ang

siomai at nakakatulong din ako di lamang sa mga bumibili nito kundi pati na din sa church namin dahil yung window time na naiiwan bago ako maningil sa hapon ay nagagamit ko para makapag-service kay Lord”, ang masayang tugon ni Myrna.

“ Ang dasal ko naman parati kay Lord .... yung mabigyan ako ng strength at saka maipagpatuloy ko na mailuto ito para sa mga tao na nangangailangan at mapaglikuran Siya sa pamamagitan ng aking pagtuturo sa mga nanay tuwing may bible study. ”

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21

TIPS

Affirming the POWER Within YOU

By Maria Fiorella Occena

I

gravitate around the fact that I am just human. I can do my best to reach my humanly potential, yet I am limited.

Turned out, it ain’t that bad. I am just like anyone, I can only do so much, BUT I can do SOME things, A LOT of things and even BIG things, with HIS grace.

I once heard a TV-host asked his guest “What do you fear most?” I found myself asking the same question. And I remember my youthful thoughts then, I thought I would not really want a brokenheart, because it kills one’s enthusiasm for life. When it happens you can’t really go too far. We experience heartbreaks in different ways, in those moments our very fiber is tested.

In those moments, we go deep into ourselves as our life, our character, our views, our relationships, even our faith are grilled.

•Remind yourself everyday to HANG-ON, and •Always remember that YOU ARE NOT ALONE. •GOD will not fail you, nor forsake you.

Our friends especially our families would be willing enough to carry us through the difficult times. So be strong, be courageous and do not be afraid.

When you have learned how to thrive, strive to be MORE. Knowing a few ways to affirm your power and awaken to new possibilities in your life would be handy. Some authors and speakers would

So, when you are tested, remember to pack a few things: •Trust that IT WILL PASS. 22 | Communi-K • vol. 12 no. 1

suggest for us to be in tune with ourselves and to make DAILY affirmation of our potential.

Remember, SUCCESS is just around; it is anybody’s game. While keeping your balance, you have to focus, unlock and affirm the power within you.

As Steve Jobs famously quoted “Stay Hungry. Stay Foolish.” So never stop learning, and be curious about the things around you. When you have questions, ASK. When you are persistent enough, you will get your answers.

Image: http://The powerwithinpodcast.com/

TIPS

W

e live in an age where annulments and legal separations are going up. It doesn’t help that our society, despite openly condemning extra marital affairs, is paradoxically intrigued by the lives of the people engaging in it.

You don’t have to look too far -- people having keen interest in gossip columns, high viewership of telenovelas tackling infidelity and “mistress” movies that become box office hits. It is no wonder why many married individuals feel insecure about the “status” of their marriage.The question then is: How do you build a solid relationship with your partner? What are the things we can do to make the relationship last?

According to marriage counselors and psychologists, there are two traits that are vital to the longevity of the relationship: KINDNESS Kindness in intention, words and actions create a safe environment for trust & intimacy. It is where one can share openly without being afraid. This feeling of safety helps couples bond more and lessens the likelihood for partners to stray.

Kindness is hardest to give when we are frustrated

cd

Have you been

lately? u Building a Solid

Relationship

with your Partner

q By:

Margaret Rose

Rodriguez

ab and angry. But this is also the most important time to be kind. Kindness is the compassion one gives when the partner needs patience and support, battling over sickness or a loss of a job or family.

Kindness will dictate how you speak when you are expressing anger. We can explain why we are hurt and angry instead of criticizing our partner for past mistakes and differences. We have to remember that love can only mature in the presence of pain since only then, do we really

understand compassion, forgiveness and tenderness and respect the people giving it.

GENEROSITY Generosity gives an indelible impression for its recipient. This habit of giving without asking anything in return is a reflection of a pure heart.

Contributing time and resources to your family/ partner increases the impression of reliability and cooperation. Everyone wants a partner that is fully engaged in the relationship.

Although there are a lot of reasons why relationships fail, we often find the kindness and generosity stifled within the relationship. As partners get familiar with each other and stresses of life pile up, couples may feel tired putting effort into the partnership. This is why we should see the two virtues as “muscles”.

It is something that can be learned and developed through time.

How about you? Have you been kind and generous lately? http://www.businessinsider. com/lasting-relationships-relyon-2-traits-2014-11

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23

TIPS

W

ooot! Wooot! Wow Sexy! Summer na nga! Inggit ka ba sa mga nag-gagandahang katawan? If your answer is, “Yes! Yes! Yes!” let us begin to tunaw your taba at subukan ang Circuit Training. Circuit what?

Ayon sa ating mga coaches sa FHG Circuit Hub na sina Carl Limsipon at Cosel Gutlab, ang Circuit Training ay isang workout routine

kung saan iba’t ibang exercises ang kailangan gawin sa loob ng maikling oras. Ito ay kombinasyon ng cardiovascular fitness at resistance training.

Ang tanong, pwede bang mag – circuit training ang lahat? Pwedeng-pwede basta kumonsulta muna sa doktor lalo kung mayroon kang health condition gaya ng vertigo, sakit sa puso at iba pa. Now, this brings us to the benefits of circuit

training. Gamitin natin ang acronym na F – H – G: Fitness Efficiency. Sa Circuit Training intense exercise ang ginagawa sa loob lamang ng maiksing oras kaya mas madaling magbawas ng timbang at ma-tone ang mga muscles ng katawan.

Higher Metabolism. Dahil sa high – intensity interval training (HIIT) at mabilis na transition from one

The FHG Circuit Hub Team in their Headquarters, at Valenzuela City.

24 | Communi-K • vol. 12 no. 1

TIPS exercise to the other, ang pag-burn sa fats ay double time din. Mayroon pa itong tinatawag na after burn effect kung saan patuloy na nag-burn pa rin ng calories ang katawan 48 hours matapos ang circuit training.

Greater Cardiovascular Endurance. Ayon sa mga pag-aaral, kung consistent ang circuit training sa loob ng 8–12 weeks,pwedeng madevelop din ang ating capacity to take in oxygen na kakailanganin ng katawan natin magperform ng tasks na kailangan ang endurance.

The fun part starts now.

No pain, no gain. Are you ready to push yourself to the limit? Tandaan na importanteng mag-warm up muna para di mabigla ang katawan. Maginhale gamit ang ilong at exhale gamit ang bibig.

Magpahinga din during interval at uminom ng konting tubig bilang pagiingat.

Simulan na natin. Tandaan, ang mga exercises ay uulitin ng dalawa hanggang tatlong beses. May rest period na 10 to 15 seconds between exercises at 30 to 45 bago ulitin muli ang isang set.

Circuit Training Basics

Cross leg Crunches for 30 seconds Gayahin ang nasa larawan. Siguraduhing hindi lalapat ang likurang bahagi ng iyong ulo sa floor.

Mararamdaman mo ang pag – squeeze sa iyong mid – section o core.

Plank for 30 seconds Dumapa sa floor at ipwesto ang kamay sa gilid at i-angat ang katawan na parang nagpu-pushup.

I-hold ang position for 30 seconds. Keep your back flat, in a straight line from head to heels.

High Knees for 30 seconds Ito ay jogging in place mas mataas lamang ang pagangat ng tuhod habang ginagawa ang ehersisyo.

Kung kaya, i-angat ang tuhod hanggang beywang para maprotektahan ang likod.

Ang hirap ano? Sa umpisa lang iyan. Tandaan walang pumapayat na hindi nahihirapan. :-)

Joy at Work |

25

MF Index

LEGAL VOCABULARY

By Maria Fiorella Occena

A

glossary of legal terms which may help us in our daily operations or activities.

SWINDLING (ESTAFA) Articles 315 and 316 of the Revised Penal Code of the Philippines (Act No. 3815) provide the ways of committing and the acts that constitute Swindling or more commonly known as Estafa, and its corresponding penalties.

Swindling is committed when a person defrauds another, causing him/her to suffer damage.

Example A: A received Php 5,000 for B. It is A’s duty or obligation to deliver the amount to B, yet she converted it to her own use, depriving B the use of his/her money.

Example B: A with intent to defraud the proprietor or manager, ate in a restaurant or stayed at a hotel, without paying.

SMALL CLAIMS Actions (cases) filed before the Metropolitan Trial Courts, Municipal Trial Courts, MTCC and MCTC

for payment of money where the value of the claim does not exceed One Hundred Thousand Pesos (P100, 000. 00) exclusive of interest and costs. It is purely civil in nature, which claims or demands may be for money owed under Contract of Lease, Loan, Services, Sale, or Mortgage. (A.M. No. 088-7-SC) Example: 1. A and B borrowed Php99,000 from C; 2. A and B promised to be solidarily liable to C; 3. Their Contract of Loan is due and demandable on June 1, 2015; 4. On June 1, 2015 C demanded the payment for Php 99,000 with interest from either A OR B; 5. Despite repeated demands they did not pay; 6. C now can file a case for small claims with the proper MTC, since the principal amount subject of the Contract of Loan is only Php 99,000 and does not exceed or is not more than One Hundred Thousand Pesos (P100, 000. 00).

SOLIDARY LIABILITY

26 | Communi-K • vol. 12 no. 1

A solidary (or “joint and several”) liability or obligation refers to a legal relationship, where one or more of several debtors are each liable and can be held to pay for the entire amount or obligation.

There is a solidary liability when the obligation expressly so states, when the law so provides or when the nature of the obligation so requires.

The debtor who made the payment may claim from his co-debtors only the share which corresponds to each, with the interest for the payment already made.

Example: A and B borrowed Php1,000 from C. In their Promissory Note they promised themselves to be solidarily liable to the debt. They likewise agreed that A is liable for the Php600 and B for the Php400. Hence, once due and demandable, C may demand the entire Php1,000 either from A OR B. If C demands it from B, and B pays the Php1,000 to C, B now has the right of reimbursement for the amount of Php600 from A.

(Answer sheet from back page)

SUDOKU

Comics and Sudoku

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27

Organizational Performance

As of March 31, 2015

Our Vision

Efficiency

Indicators Loan Activity

Cost per Unit Lent

Php0.14

Client Outreach

138,519

Cost per Loan Made

Php1,412.43

Loan Portfolio

Php610.29M

Financial Self-Sufficiency

112.03%

Value of Loans Made

Php511.40M

Operational Self-Sufficiency

135.34%

Portfolio-at-Risk

6.90%

Ave. No. of Client per PA

280

MF Operations

599

51,469

Support Group

156

No. of Loans Made

Number of Staff

*Peso-dollar conversion as of March 31, 2015 - Php 44.67

KMBI Corporate Website: Smart and Contemporary KMBI launched this March the new corporate website that can be accessed in various formats that includes smartphones and laptop devices.

The site sports a more formal, contemporary look - a blend of navy blue and green reflecting a KMBI that is serious on moving forward from its past while in transition for the future.

28 | Communi-K • vol. 12 no. 1

Our Mission

“KMBI is a Christcentered development organization, existing to help transform the lives of its clients by providing sustainable microfinance, training & demand driven nonfinancial services.”

Core Values

Respect Integrity Stewardship Commitment to the Poor Discipline Innovation Excellence

“We want to revitalize the look of our website to strengthen our online presence. Our website has been optimized for mobile for easier access.

The navigation is more user friendly, and the multimedia content streams easier for better appreciation of what KMBI is doing”, beams Marissa Dela Rosa, manager, Corporate Affairs and Communications Department.

The new website can be accessed via http://www.kmbi. org.ph

“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.”

KMBI

SUDOKU (Answers at the back)

12 San Francisco Street Karuhatan, Valenzuela City Tel (02) 291.1484 to 86 Fax (02) 292.2441 http://www.kmbi.org.ph