ISSN 2243-8939
communi-k
VOL. 13 NO. 2
Paying it FORWARD Reciprocating 30 years’ worth of abundance
Kabalikat para sa Maunlad na Buhay Inc.
INSIDE
12 Melba Sanoy Story
21 To Buy or Not to Buy
1
22 Winning Through Life
INSIDE VOL. 13 NO. 2
ORGANIZATIONAL NEWS PG. 4 ME Summit 2016: Empowering the Entrepreneurial Poor PG. 5 LEaD Camp 2016: I Live to Love and to Lead PG. 6 BA & BM Conference: Reinforcing Leadership through Camaraderie PG. 7 Data Scientist, Newest KMBI Trustee PG. 7 56 new employees participate in ONE Program PG. 8 300 MFI practitioners attend Annual MCPI Conference PG. 8 Eight KMBI Key Officers Voyage to Unilever India PG. 9 262 Couples Tie Knot in Mass Wedding PG. 9 Book-giving from Canvas.ph PG. 10 2017 Plans Bared; BOM Reviewed
NEWS BRIEF
PG. 11 Koronadal Branch participates in tree planting festival PG. 11 P1.29m aid given to PMs affected by Typhoon Lawin
FEATURE STORY PG. 12 Young at Heart (The Gamelba Sanoy Story)
COVER STORY PG. 14 Pay-It Forward: Mandaue Branch
LEADERS’ EDGE PG. 16 Jesus in Me: Share and Steward: Talents PG. 17 Pack the Hero Kit! Eco-friendly items you need to start bringing PG. 18 Have you Judged Someone Today? PG. 21 To Buy or Not to Buy?
TIPS PG. 20 Money Tips PG. 24 Tara na, Byahe na! PG. 26 Grammar 101: The Fundamentals of Writing
MF INDEX
PG. 22 Winning Through Life PG. 28 Masaya Dito sa KMBI: Selfie 2
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The President’s Note KMBI has been blessed to tread beyond three decades in service to the poor. I earnestly recognize the unswerving dedication everyone has sowed in the organization. Truly our efforts have not been brought to waste; in fact, our communal hard work has paved direction for KMBI to witness bountiful years ahead. But may I remind all of us that it is God who is pulling all the strings for His greater purpose, as evident from the ringing success of our 30th anniversary celebration. Last year’s LEaD Camp and ME Summit are clear manifestations of God’s abundance raining down on us. Moreover, the reason God has been endowing us with prosperity is that He sees the capacity of all KMBI staff to demonstrate responsible stewardship and invite the rest of the microfinance industry to follow suit. This may be His way of grooming us with the responsibility of being a catalyst of transformation in the lives of the poor. In like manner, we remain hopeful that this business of transformation will ripple across the entire Filipino community. We have proven to make a profound mark in history from our 30th year, and we are determined to inscribe many more in the foreseeable future. The theme of our Communi-K, “Paying it forward: Reciprocating 30 years’ worth of abundance”, showcases the countless good deeds that we have returned to people in repayment of God’s faithfulness. In addition, this reading material should serve as a gentle reminder that blessings come in all forms, and they aren’t fully ours for the taking. We are merely God’s couriers who are uniformly tasked to forward these blessings to the less fortunate and fulfill His divine purpose. This realization strikes us with awe, because this suggests how much trust God is putting in us, as exemplified in 1 Corinthians 4:2: “Moreover, it is required of stewards that they be found trustworthy.” With all these in mind, let us continue to show that we deserve His grace and blessings by passing them on to the poor. This completes the cycle of giving, as it is stated in Proverbs 19:17 that “whoever is generous to the poor lends to the LORD, and he will repay him for his deed.” Exciting years filled with God’s abundance await, and I would like everyone to stick around and brace ourselves for the best that’s yet to come! EDUARDO C. JIMENEZ
President and Vice Chairman, KMBI
EDITORIAL BOARD Princes O. Dacca Editor-In-Chief
John David I. Ulangca Graphics
Margaret Rose N. Rodriguez Managing Editor
For editorial contributions, suggestions, and inquiries, please contact:
Rico B. Antion Kenneth S. David Marie Alleona T. Tagle Contributors
IBAHAGI ANG INYONG MASAYA SA KMBI EXPERIENCE!
Hinihikayat din namin ang lahat ng empleyado, anuman ang posisyon... Corporate Affairs Office Na magsumite ng kanilang Kabalikat para sa Maunlad kwento ayon sa kanilang na Buhay, Inc. karanasan sa KMBI na 12 San Francisco Street., may kalakip na picture at Karuhatan, Valenzuela City ipadala sa Inc. email: 3 Kabalikat para sa Maunlad na Buhay jiulangca@kmbi.org.ph
ORGANIZATIONAL NEWS
ME Summit 2016: Empowering the Entrepreneurial Poor
Left pic (Top to Bottom): Program Members remain seated as they await the announcement of winners of the Handog Pangkabuhayan raffle promo; Atty. Bagares (middle) reads raffle winner aloud assisted by President and Vice-Chairman, Mr. Eduardo C. Jimenez (right) and Vice President and Chairman, Mr. David D. Gutierrez (left). Right: Classic singer Chad Borja serenades one lucky Program Member who went emotional onstage.
More than 3,500 KMBI Program Members had fun and inspiration from the recently held MicroEntrepreneurs’ (ME) Summit on October 22, 2016 at the SMX Convention Center, Pasay City. Senator Bam Aquino graced the event with his keynote address. Other influential personalities present at the Summit were included Ms. Miriam Quiambao-Roberto, Ms. Christine Bersola-Babao, Ms. Chit Juan, and Cong. Harry Roque. Former beauty queen Ms. Miriam Quiambao-Roberto educated the attendees on becoming women of value, 4
and Echo Store owner Ms. Pacita “Chit” Juan urged the clients to play a proactive role in sustaining the environment. On the other hand, Ms. Christine Bersola-Babao taught the participants the ingredients for entrepreneurial success, while Vice-President Leni Robredo reinforced the untapped capacity of women as change-makers in the society through a video-recorded statement. In addition, Ms. Lydia Malot, hailed as Pearl Awardee and National Awardee of the 2015 Citi Microentrepreneurship Awards (CMA), delighted the crowd with her special
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dance number. To top off the series of empowering discussions, Congressman Harry Roque delivered his informative update and speech. This was followed by the OPM Hitmen taking the attendees back in time by singing songs of classic serenade. The ME Summit was a large-scale event that seeks to establish a place for empowerment to women microentrepreneurs through learning opportunities and discussions from reputable speakers. The activity was in line with the celebration of KMBI’s 30th founding anniversary.
LEaD Camp 2016: I Live to Love and LeadORGANIZATIONAL NEWS
Left pic (top to bottom): Mr. Dan Andrew Cura shares inspiration through his plenary talk; head office staff groove on stage with a special dance number. Right pic (top to bottom): (from left to right) Mr. Jimenez, Mr. Gutierrez and Mr. Garcia join the stage for the culmination session; three KMBI staff link arms together forming a triangular bond.
It was another year jampacked with plenty of knowledge, enjoyment, and inspiration for 750 KMBI staff as they took part in the 2016 Leadership Enhancement and Development (LEaD) Camp held at the SMX Convention Center, Pasay City from October 20 to 21, 2016.
Among the highlights of the rest of the first day were colorful dance performances from K-Force, awarding rites that gave distinction to the top-performing areas, branches, and employees, as well as inspirational talks from Mr. Edgardo F. Garcia, the organization’s Corporate Treasurer.
The two-day event, dubbed with an overarching theme of “Leading the Christian Life in Action,” concentrates on three major tenets servantleaders must uphold: (1) live by loving God; (2) love by connecting with others; and (3) lead by serving.
The LEaD Camp Day 2 kicked off with a series of plenary talks from former beauty queen, Ms. Miriam Quiambao-Roberto, medical missionary, Dr. Don D. Cua, and Far East Broadcasting Company President, Mr. Dan Andrew Cura.
KMBI Chairman and VicePresident Mr. David D. Gutierrez commenced the first day of the LEaD Camp.
The rest of the second day was enlivened with the Dance Evolution competition
joined by all 12 groups, with the Davao Area reigning as three-peat champion. Last year’s LEaD Camp was one of the most significant activities of KMBI in celebration of its 30th founding anniversary. In his LEaD Camp 2016 Chairman’s message, Human Capital Director Mr. Anselmo Edwin B. Aruelo expressed that the Camp aims to bring all KMBI employees on the centrality of God’s love as this should be the core of every leader’s being. “Leadership anchored in God’s love is direction, but leadership without God’s love is destruction,” he wrote in the statement.
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ORGANIZATIONAL NEWS ORGANIZATIONAL NEWS
BA & BM Conference: Reinforcing Leadership through Camaraderie
Left pic: Branch and Area Managers lump into groups and raise their answers written on the chalkboard during the “Clash of the Great” session. Right pic: Branch Accountants evaluate their own performances using color-coded paper strips
Sixty-three key personnel from the Credit Operations Group (COG) rounded up at the Function Hall of the Golden Phoenix Hotel, Pasay City for the 3rd Annual Branch Managers’ (BM) Conference held on October 19-20, 2016. Attendees of the BM Conference comprised of the 45 Branch Managers (BM) and 17 Head Officebased COG staff. The twoday conference is designed to orient the participants on newly approved policies of the organization, enhance managerial skills through basic leadership and discipline, spread awareness on policies and procedures among COG officers, encourage a spirit of unity and camaraderie among BMs and Area Managers, and recognize outstanding BM and branch performance. KMBI 6
Chairman
and
Vice-President, David D. Gutierrez, commenced the first day of the activity. The Day 1 of the BM Conference zeroed in on the issue of extra-judicial killings, the discussion of which was facilitated by Atty. Gilbert Andres of Roque and Butuyan Law Offices. Subsequent to the discussion was the orientation on new policies conducted by Human Capital Director, Mr. Anselmo Edwin B. Aruelo. On the succeeding day, the BMs ramped up for a group activity. Before the two-day event concluded, outstanding Branch Managers were given recognition via an awarding ceremony. Branch Accountants’ Convention Simultaneously, more than 60 staff from the Finance and Accounting
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Division (FAD) assembled at the function room of SMX Convention Center, Pasay City for the Branch Accountants’ (BA) Conference. Amongst those discussed in the forum were updates on the recent BIR issuances and memoranda, orientation on new policies, review of Basic Accounting Standards and its Conceptual Framework, the importance of the role of BAs, and evaluation of their performances at work. These activities are aligned to the strategic direction of KMBI to ensure financial and organizational sustainability. KMBI sees the need to provide training and capacity-building to Branch Managers and Accountants, as they play a vital role in the function of the organization.
Data Scientist, Newest KMBI Trustee
From left: President and Vice-Chairman Mr. Eduardo C. Jimenez, Corporate Secretary Atty. Romel Bagares, Trustee Ms. Mila Bunker, new Trustee Mr. David Salmo, Vice-President and Chairman Mr. David D. Gutierrez, and Trustee Atty. Rainier Chu
KMBI has announced its newly elected Member of the Board, Mr. Lemuel David A. Salmo. Mr. Salmo, a BS Statistics graduate of the University of the Philippines,
is currently the lead consultant in a government tax project. He is also a research consultant of the Biodiversity Conservation Program and lecturer at the University of the Philippines Diliman. In addition to his
wide expertise in the field of Analytics, Statistics, and Micro Simulations, Mr. Salmo is the management consultant of the Capital City Alliance Church.
ONE KMBI Program Adds 129 New Graduates relate to microfinance, KMBI’s operations, and organizational policies. The trainees were also given field exposure activities to understand more effectively the hands-on duties of a Program Officer.
Graduates of the Orientation of New Employees (ONE) KMBI Program from July to December 2016 tally a total of 62 new hires from Head Office, Bulacan,
NCR, Pampanga, and Rizal Areas; and 67 trainees from VisMin operations. Among the topics included in the two-week training program are theories that
ONE KMBI Program is designed to prepare newly hired employees of KMBI to fit in their new positions. It aims to help employees have a broader understanding of KMBI’s advocacies and undertakings so that they can effectively perform their given tasks.
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ORGANIZATIONAL NEWS
300 MFI Practitioners Attend Annual MCPI Conference settlements, clean energy, and health and wellbeing, through a series of discussions. The topics discussed in the conference play a KMBI President and Vice-Chairman, Mr. Eduardo C. Jimenez (third significant role for KMBI as from left) and other noteworthy microfinance practitioners swear a microfinance institution in as the new Board Members of the Microfinance Council of the in determining and Philippines during its annual conference. formulating new policies Around 300 practitioners event, with President and that are augmentative to representing various Vice Chairman Eduardo the needs of clients, staff, microfinance institutions C. Jimenez as one of the and the environment, and developmental resource speakers and the objective of which is organizations rounded MCPI Board. patterned after the UN’s together in observance Sustainable Development of the 2016 Annual The two-day conference, Goals. Conference of the dubbed with the theme Microfinance Council of “Realizing Sustainable The conference is MCPI’s the Philippines, Inc. (MCPI) Development Goals yearly event that brings held from July 28 to 29 at through Microfinance” together microfinance the Century Park Hotel in aims to emphasize the actors from NGOs, banks Manila. role of the microfinance and cooperatives, funders, sector in achieving the government institutions, A total of 24 sustainable development donors, investors, and other representatives from KMBI targets of water and support organizations. were in attendance to the sanitation, resilient human
Pure-It Loan Program Launched in All KMBI Branches Nationwide KMBI, in partnership with Unilever Pure-It, has successfully implemented the rollout of its Pure-It Loan Program under the Kabalikat para sa Kalinisan at Kalusugan (KKK) Program in all KMBI branches starting November 2016. This was done following the Trade Visit of KMBI’s Pure-It Team to Unilever India to explore partner 8
microfinance industries in the country, insights from which were presented during the Pure-It Workshop along with the finalization of loan features and guidelines held a month before the rollout. As part of the kick-off activity, the Training of Trainers (TOT) was held at La Breza Hotel in Quezon City last November 15,
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2016 to brief staff of policies, procedures, and instructions pertinent to the operation of Pure-It devices. The Pure-It Loan Program is the pioneer product being offered by KMBI on Health and Sanitation, which helps KMBI in giving value-added services to clients and nonclients.
ORGANIZATIONAL NEWS
262 Couples Tie Knot in Mass Wedding Around 262 couples from 41 branches all over the country exchanged their sweet I do’s and pledged spiritual oneness with their other half during the yearly Mass Wedding that spanned from July to September 2016.
This activity is one of the non-financial services offered by the organization to unmarried cohabitating members to help them legalize their union. It also helps the couple reap the benefits of social protection programs.
A newly wed couple walk down the aisle as they receive congratulatory greetings from peers and colleagues.
Book-giving from CANVAS
Left pic: Two kids scan the book they received during the activity in Valenzuela branch. Right pic (top to bottom): Children beneficiaries study the contents of the free book handed to them; four kids happily pose holding the BenCab books courtesy of Canvas.ph
Children of Program Members from the NCR Area received free books coinciding with the last tranche of branch-initiated activities mounted in December. This activity was done courtesy of the Center for Art, New Ventures and Sustainable Development (CANVAS), a non-profit organization
in the Philippines that aims to promote reading comprehension among functionally illiterate children and expose them to contemporary artworks of renowned Filipino artists. The book-giving is in consonance with CANVAS’
“1 MILLION BOOKS FOR 1 MILLION FILIPINO CHILDREN” campaign that seeks to donate one million copies of its award-winning books to Filipino children. KMBI acquired a total of 1,000 “BenCab” and “SOL” books which were distributed to five branches across the NCR Area.
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ORGANIZATIONAL NEWS
2017 Operational Plans Bared; BOM Reviewed
From top-left clockwise: KMBI Management presents their 2017 plans to the Board; Ms. Hazel Christine Bayaca runs through the major assumptions for 2017; Ms. Amelita Andilab reads the BOM aloud scouting for corrections; Mr. Timothy John Pasicolan facilitates the reading of the BOM.
The KMBI management team presented to the Board of Trustees the operational plans for the year 2017 last November 21-23, 2016 at the Sequoia Hotel, Quezon City. The three-day assembly was a revalidation of the objectives served in the business plan “Vision 2020: Paghandom sa Damlag,” the organization’s most exhaustive planning stint devised to keep track of 10
KMBI’s directions and goals in the coming years. The series of presentations ascertained whether the major assumptions set for the year have been met and what could be done to deliver a more efficient course of action over the next year to the benefit of staff and clients. Simultaneously, the reading of the updated Branch Operating Manual (BOM)
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was conducted at the same venue by another working committee. The session aims to update the BOM to current processes within the Credit Operations Group. The BOM is a document that encompasses the fundamental policies, procedures, and guidelines of the organization which are necessary to the orientation of all KMBI staff members.
NEWS BRIEF
Koronadal Branch Participates in Tree Planting Festival Koronadal saw the urgent need to take charge of and conserve the environment the best way it could.
Koronadal Branch staff and Program Members pose as they participate in the City’s 6th Tree Growing Festival.
Staff and Program Members of KMBI Koronadal Branch were among the thousands of individuals who proactively took part in Koronadal City’s 6th Tree Growing Festival last June 29, 2016.
spearheaded by Mr. Abelardo Tejada Jr., Koronadal Branch Manager. It was a combined effort of the City government and KMBI Koronadal Branch in diminishing the effects of climate change in the area.
The activity successfully planted some 250,000 assorted seeds spanning across an 800-hectareland, more or less of spring sources and riverbank areas.
Recent streaks of El Niño hazards have started to burden the environment of Koronadal, leaving the city’s forests and even the lowlands degraded and denuded of greens.
The Branch’s participation in the activity was
With this phenomenon, the City government of
Armed with spades, bolos, and hole diggers, KMBI Koronadal Branch responded to the call and vowed to partake in the environmental movement as it is aligned with KMBI’s 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.’ The Tree Growing Festival is a vow of KMBI Koronadal Staff and Program Members to strengthen their partnership with the City Government of Koronadal by being active movers of the locale’s advocacy on environmental restoration.
P1.29M Aid Given to PMs Affected by Typhoon Lawin Two weeks after the Typhoon Lawin ravaged the northern parts of Luzon, KMBI released financial assistance to 2,500 Program Members (PMs) in the North Luzon East (NLE) Area as part of the organization’s relief efforts. The operation spanned from November 2-4, 2016.
This was done through the Disaster Preparedness and Risk Management (DPRM) Program, facilitated by the Human Capital Department (HCD) to help lessen the effects of natural disasters and calamities on Program Members by means of financial relief. KMBI extended P500 worth of cash assistance to 433
PMs from Cauayan branch and 2,150 PMs from Tuguegarao branch, with the amount totalling to PhP 1,291,500. “I’m thankful to KMBI because they give us blessings beyond our expectations,” said Ms. Norma Ignacio, a Center President in Cauayan Branch.
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“And whatsoever you do, do it heartily as to the Lord and not unto men; Knowing that of the Lord ye shall receive the reward of inheritance: for ye serve the Lord Christ.” – Colossians 3:23-24 (KJV) The word “commitment” comes with a hefty implication. It may be easy to set our mind to start an activity or a job, but going on is something that needs to be fuelled with passion. Oftentimes, we find ourselves gradually losing the flames that keep us going until we burn out completely. As a result, we quit and settle for a new job or hobby that we think will rekindle our passionate heart. Enter KMBI Valenzuela branch, and you’ll meet Ms. Gamelba Sanoy, the Branch Accountant who has just hit her 18th year of service in KMBI. Ms. Melba started off as a ministry worker at their local church along with her husband who is a pastor. “I really did not want to work yet, since I had to tend to my 1-year-old baby at that time. I joined my husband in serving the ministry full-time,” she shared. 12
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But God opened a path for her one day when someone dropped by at their church and advertised a job opening from KMBI. She felt that the organization’s mission and vision aligned to hers. “I knew nothing about KMBI at first. But when they related the purpose of the organization as well as its mission and vision, I sensed a strong feeling of connection. It felt as if the work of KMBI is closely tied to what my husband and I were planning to do for the Lord,” she enthused. However, to respond to the call, she had to make her biggest sacrifice. “To start my journey in KMBI, I had to send my youngest child to my brother in the U.S., since nobody else could take care of him. I had to make that decision in order to sustain my calling and fulfill my purpose here at KMBI.” However, she believed that this was but a forbearance that will eventually come to pass, and that “all things work together for good...” (Romans 8:28) She finally stepped into the doors of KMBI, but her succeeding days in the organization would put her endurance to test. “When I entered KMBI, I had no past experience of
FEATURE STORY
Committed to the
Ministry The Gamelba Sanoy Story By Kenneth S. David
accounting,” she admitted. In addition, Ms. Melba was initially known for her low self-esteem and apparent coyness. These characteristics held her back from bringing out her sociable self. Nevertheless, she regarded her early days as a vast training ground for development. “My life here at KMBI has taught me to associate with fellow staff and clients and to pray for them.” Still, things did not go smoothly for Ms. Melba. She found out that hard work alone would not serve her dreams on a silver platter. She had to toil her way through the years and stand against obstacles which almost depleted her motivation to trudge another mile. “There were lots of ups and downs,” she revealed. “But I kept reminding myself to focus on who I am serving through my job. I would always tell myself that I am not working in KMBI for nothing. God placed me here for a reason.” She added that no job is easy, but working for God’s glory is what will provide a sustaining grace to keep you going. “At every step, always keep in mind that God
is at work with you, and He will not leave your side wherever you go,” she stated. Perhaps it really is not the nature of her work that made her stay. The real reason might be that she considered her work at KMBI her ministry. “KMBI is not just a work; it is a ministry. If you only see work as just work, then you won’t last long enough. If you are doing your job, do it not for yourself, but ultimately for God,” she highlighted. 18 years were all it took for Ms. Melba to envision where KMBI is going in the next 30 years. Struggles may still come through, but she believes that KMBI will remain unyielding in the face of tribulations. “It’s the Lord who built KMBI. I saw God’s faithfulness to KMBI and how He worked to protect the organization. Even though people may seem unfaithful at times, God remains and will remain faithful forever.” The farther she looks back into her years in the organization, the more she reinforces the testimony of the Scripture that “unless the Lord builds the house, our labor will be in vain...” (Ps. 127:1) Kabalikat para sa Maunlad na Buhay Inc.
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Pay-It FORWARD Mandaue Branch
By Marie Alleona Tagle
K
MBI’s 30th year of service is indeed a milestone. From a small-scale lending institution that started in a choir room, the organization has massivelly expanded through the years. To date, it continues to reach even the farthest areas in the Philippines. These achievements testify that KMBI is at work in servicing transformation to the doors of the poor. Being part of the organization comes with a special privilege—we are given time to share and reflect on God’s teachings, delve into our innermost being, connect with our brothers and sisters, and care for one another. In other words, being in the organization itself is already a blessing. So then, how can we pay back? One good way of recompensing is by giving. In 2015, KMBI launched a project called “Pay-It Forward” in commencement of its 30th anniversary celebration. KMBI handed cash gift to all KMBI employees, and each staff was instructed to “pay it forward” by sharing the gift to either an individual or a group in need, whether in cash or in-kind. The best three PayIt Forward projects were selected, but only one winner was declared. And just this November, Mandaue Branch’s Pay-ItForward project was hailed as the winner. 14
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But what made it stand out from the rest of Pay-It Forward stories? Each staff of Mandaue Branch shared 300 pesos from the cash gift they received during KMBI’s 29th Anniversary. Mandaue’s Pay-It-Forward project was inspired by Eat Bulaga’s noontime segment show, “Juan for All, All for Juan: Sugod Bahay” but with a twist. They made a surprise appearance at the house of three families while singing. They brought instruments and set up a group of singers to complete the band. It was as though they were suitors serenading their crushes. Not only did they sing to touch the hearts of these families, but they also supplied grocery bags to them. But the act of repayment didn’t end there. They even bonded with these families to know them more and offered them confiding words. And before parting ways, they happily prayed together. Through the Pay-It-Forward, we are once again reminded that delivering smiles is done even through the simplest deeds. The decision of Mandaue Branch to select Lusviminda, Gina, and Tripina’s life was very timely because at that time, their families were undergoing trials and tribulations. This act of kindness
COVER STORY
“For it is in giving that we receive, in pardoning we are pardoned, in dying that we are born to eternal life.” St. Francis of Assisi
shown by the staff of Mandaue branch touched the families since the gesture was unexpected. Words of gratitude were all they could utter. For them, the staff of Mandaue branch were angels in disguise; the families were overwhelmed with the amount of blessings they received. With these small acts, we are able to share God’s overflowing grace. Giving time for someone or some cause adds meaning to our life by creating precious moments for ourselves and the people with whom we spend a little of our time. It gives us a greater feeling of blessedness to give a portion of our resources to others than it does to receive. Let’s make every day a Pay-It Forward day. Acts 20:35 says: “In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’” May this serve as a simple reminder to everyone that God’s grace can be passed on from one person to another, and we are not merely receivers of His grace. Rather, we are the instruments and the vehicles. He blesses us because He puts enough trust in us that we are capable of openhandedly passing His blessings to others. Kabalikat para sa Maunlad na Buhay Inc.
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JESUS in me
LEADERS’ EDGE
Share and Steward
Talents By Margaret Rose Rodriguez
M
ost Christians associate stewardship with money and managing resources. But more than the material wealth, did you know that your time and your talents are part of God’s gifts too? But how many times have we squandered our time thinking that we’re not good enough? How many times have we found ourselves envious of our neighbor’s talents? Our talents are given to bless others and purify us. Have you ever questioned God on His equal distribution of talents? Did this line ever run through your head: “Lord, how come person x is a very good speaker? Or person y is a very good writer? Or that person z is really good in math? And I’m not good at any of those talents?” Did you know every time we belittle ourselves to those we envy or become disdainful to those we feel are inferior to our abilities, God exposes the pride in our hearts. He finds ways for us to glorify Him by repenting our self-importance and humbling ourselves in His wisdom.
Our talents are our responsibility and accountability. If we find ourselves in the position where we know more, as a good steward, we should share our knowledge and skills to those who know less. In the same way, we should not be envious of people who may have more talents than we do. Each of us has a role in society. The same way how our body function differs. Our eyes can see, our hands can grab and hold, and our feet carry us where we need to go. Whatever gifts we have, we should cultivate, maximize, and share with others. In our final day of judgment, we will give full account to God, our rightful Master, if we had been good stewards of the resources He has bestowed upon us. This includes our time, knowledge, relationships, material resources, and talents.
The Lord rewards those who are faithful in serving Him. “Whatever you do, work at it with all your heart, as working for the Lord, not for men, since you know that you will receive an inheritance from the Lord as a reward. It is the Lord Christ you are serving.” -Colossians 3:23-24 Let us embrace the thought that all of our efforts to cultivate, maximize and share our talents will have a reward. We have to constantly remind ourselves that God—not our Immediate Supervisors—is the ultimate Boss. He sees everything. You are not toiling in vain with all your challenges and sacrifices. Let us be faithful stewards of our talents. Everything we do is connected with every move God makes in our society. Our seemingly small actions to serve the common good bear a profound impact on how we further His Kingdom. http://www.desiringgod.org/articles/steward-the-gifts-god-has-assigned-to-you https://tifwe.org/four-principles-of-biblical-stewardship/
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PACK THE HERO KIT! ECO-FRIENDLY ITEMS YOU NEED TO START BRINGING By Kenneth S. David
B
efore you finish reading this paragraph, I want you to take a brief glance at the contents of your bag. I bet many of us are not too keen on carrying an environmental-friendly item around, because it’s way beyond our average expenditures. But remember: that one-time cost you pay will eventually yield the long-term benefit of saving Earth...and your wallet.
SOLAR POWERBANK – Many consider solar powerbanks to be a luxury, but that’s not entirely true. It’s quite the opposite, actually. It spares your device from being bound into the wall socket. Most importantly, it curbs the cost of your electricity bill and minimizes the need to plug in both the power bank and the phone. I suggest you buy a high-quality one, because that will grant you greater power-efficiency in the long run.
the local grocery store, you can use your eco bag to stuff in your purchase. More often than not, vendors tend to wrap whatever you buy–regardless of size–in plastic. This results to unnecessary waste piling up. It’s best to keep one or two ecofriendly bags around. They’re foldable, so they shouldn’t have problems fitting inside your bag. STAINLESS WATER BOTTLES – It’s difficult to justify having to buy expensive water containers when you can keep cheaper plastic ones that essentially do the same purpose of keeping you hydrated. While plastic bottles are not biodegradable by themselves, they do degrade over time, which results to chemicals leaching into the water (hence the reason you see expiration labels on bottled waters). It’s true that you’re not likely to preserve the plastic bottle long enough before it expires; you’ll dispose it as soon as you’ve consumed it up anyway, but that bottle you threw a moment ago is another bottle closer to world’s pollution. But if you really can’t help it, then at least try to recycle the bottles and put them to good use.
ECO BAG – This one’s a given. Of course you’ll refuse using this as an alternative to your primary bag, as it is less secure from pickpockets. But please do mother Earth a favor: if you need to buy anything at, say, Kabalikat para sa Maunlad na Buhay Inc.
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Have you
By Rico B. Antion
JUDGED someone today?
I
t is said we will all be judged for all our actions in the afterlife. Whether we have been a good servant or a rotten tomato, we will all face the consequences of our actions. In a society that demands perfection in every facet of our lives, we often neglect to realize that “to each his own.” And the sad part of it is that we JUDGE others because they are different, and because they are not like us. In the scripture on the book of John 8:111, it teaches us the story of the woman caught in adultery. According to the Jewish tradition/law, anyone found committing this crime shall be stoned to death. With this, Jesus interjected in the middle of the angry mob saying: “All right, but let the one who has never sinned throw the first stone!” And there was silence. And at the end of the conversation between Christ and the weeping woman, Jesus told to her: “Where are your accusers? Didn’t even one of them condemn you?” the woman replied: “No, Lord.” And Jesus said,
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Communi-K vol. 13 no. 2
“Neither do I. Go and sin no more.” Reflecting on this story, we are often the mob who quickly rules out the worst in our fellowmen; we are quick to point fingers while at the same time blinded in our own flaws. But standing on judgment with Christ, we are unworthy of this love. We are separated and condemned because we, too, commit the same mistakes as the woman in the scriptures. We commit adultery in our daily lives, we are infidels, we are disloyal, and we are dishonest with our binding with Christ. I remember during my high school days, a popular slogan from America became so catchy in the Philippines that they even built a merchandise of goods around it: “WWJD” or What Would Jesus Do. Every pupil back then wore the same bracelet with the initial WWJD embedded in their wrist. I vividly remember looking to this bracelet every time I would be confronted in a dilemma. All I have to do is just glance on my wrist and feel empathic and would do what is right on that particular moment.
LEADERS’ EDGE
let the … “ : id a s s u s e J s A inned s r e v e n s a h o h w e on e!” throw the first ston JOHN 8:1-11
Fast forward today, I have lost my bracelet, and I also don’t look to my wrist whenever I’m pressed against a wall. But the good thing is, I have Jesus within me and He is constantly whispering to me the things He wants me to do. I am still a sinner, but I surrender all my flaws to Him. I still judge others, but I judge with an open heart. I have compassion now with the people who have less, be it material, knowledge, or wisdom. I now set example to others; I would like to be “that” WWJD bracelet. I would like to serve as a constant reminder
that God loves all regardless of everything. I know that my journey is still on-going, and I only scratched the surface of the vast contribution in the transformation of others. Nevertheless, I will continue to be the agent of change. I will continue to set a good example to others and that I will avoid judging others, but rather be there to understand. As Jesus said: “…let the one who has never sinned throw the first stone!”
Kabalikat para sa Maunlad na Buhay Inc.
19
TIPS
MONEY TIPS By Kenneth S. David
Admit it, Most of us have difficulty fighting back that surge of spending the instant we check our balance at every payroll. It’s hard to resist the indulging force, but we have to. Interestingly, personal finance coach Alvin T. Tabañag, through his article on Rappler, has devised a nifty year-round saving approach that will work for just about anyone without hurting the pocket. He brands it as the “12-month saving challenge.” Basically, this method allows you to save up gradually beginning from the first month up to the last month of the year. The formula below is used to determine one’s monthly savings: Savings for the month = base amount + additional monthly savings Savings for the month = base amount + (month% x your monthly income) Month% refers to the percentage equivalent to the chronological order of the month (January is 1%, February is 2%, March is 3%, and so on). Base amount is not a compulsory element, but it’s for those who are willing to add some thrill to their saving commitment. With this variable, you have the freedom to devote a fixed amount of money on top of your monthly savings. You can set it to zero, or you can shoot it up to as much as PhP 1,000/month. You may increase your base amount halfway if you feel that you can go further. Here’s to give you an idea of how the formula works. Suppose your monthly income is PhP 15,000, and you dedicate to save a fixed amount of PhP 500 per month. Take a look at the example below: Income= PhP 15,000/month; Base amount= PhP 500 MONTH January February March April May June July August September October November December
BASE ADDITIONAL MONTHLY SAVINGS TOTAL SAVINGS AMOUNT (MONTH % X INCOME) FOR THE MONTH 500 1% x 15,000 = 150 650 500 2% x 15,000 = 300 800 500 3% x 15,000 = 450 950 500 4% x 15,000 = 600 1,100 500 5% x 15,000 = 750 1,250 500 6% x 15,000 = 900 1,400 500 7% x 15,000 = 1,050 1,550 500 8% x 15,000 = 1,200 1,700 500 9% x 15,000 = 1,350 1,850 500 10% x 15,000 = 1,500 2,000 500 11% x 15,000 = 1,650 2,150 500 12% x 15,000 = 1,800 2,300 PhP 17,700 TOTAL AMOUNT SAVED FOR THE YEAR
This practical saving approach offers flexibility and sustainability, as the savings amount relies on the individual’s monthly income. In addition, the option to include a fixed amount won’t immediately bore those who are up for some serious saving challenge. But here’s a friendly reminder: saving is entirely different from being stingy. Just because you committed to save, doesn’t mean you have to compel yourself to tighten your belt and compromise your way of life. Saving is not necessarily an obligation, but rather a practice of self-discipline that will teach you the right place to put your money. Reference: Rappler.com 20
Communi-K vol. 13 no. 2
TO BUY
or not
TOeBImUpuYlse?! Comics
Stop th
By Margaret Rose Rodriguez So, you tell yourself that you need to stick to a budget. You make a list. You’re proud to have made it this far. You go in the grocery store. You get your items. Then, there it is. A shelf is enticing you to buy some goodies at 50% off. They’re yummy, you love them and they’re half the price. You contemplate on buying them. Should I get one? No. Two. Let me give my sister. No. Three. Mom will get disappointed if she doesn’t get anything. You end up blowing your budget. You come home with four packs of goodies and feel guilty afterwards. My friend, you have just experienced impulse buying. Look around your house. Are there items that you haven’t used in the last 6 months? Have you ever wondered about what made you buy them in the first place? If we truly want to save, we need to get into the heart of what causes impulse buying in the first place: 1. The pleasure of getting something new As young children, we inherited the concept of being rewarded with material things from our parents when we are at our best behavior and show scholastic achievement. The sense of buying as “reward” extends to our adult life. We believe that we have “earned” or “deserve” to splurge on things that we deemed “expensive” after going through a difficult time. 2. FOMO - The “Fear Of Missing Out” We also feel the impulse to buy when we think we might regret it later on that we did not take the opportunity to grab a certain deal. Retailers take advantage of
this “fear” by adding extra “freebies” to add in the item they want to sell. 3. The desire to save We sometimes buy things we may not need in our effort to “save”. This often happens when something that was previously offered at a low cost turns out to be a very good deal since the value of the item being offered is perceived as “costly”. This may turn out to be an upselling tactic by retailers. This would mean being saddled with three shampoo bottles instead of one since there was a “buy two, get one promo”. 4. The means to battle boredom or depression Perhaps the most costly mindset to be in is to enter a shopping area sad or bored. Shopping does give an adrenaline rush and many women succumb to this. According to the survey in September 2009 conducted by Dailymail.co.uk: “The poll of 5,347 women revealed every week the average shopaholic will spend money they don’t actually have on a fast food lunch, chocolate, beauty products, nice shampoo, make up and accessories….. More than half of those polled (53 per cent) admitted it didn’t matter what they bought, as long as they purchased something.” It will be helpful to be aware of these behaviors the next time we enter a shopping facility. Armed with the knowledge behind our impulses, we can think twice on buying something we might regret later on when we go back to our houses.
Referenced from : http://www.dailymail.co.uk/femail/article-1215530/Addicted-shopping-More-15millionwomen-high-spend.html#ixzz4SyduB0oR https://www.psychologytoday.com/blog/consumer-behavior/201303/five-reasons-we-impulse-buy
Kabalikat para sa Maunlad na Buhay Inc.
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Winning
MF INDEX
By Kenneth S. David
through life
F
or the past 30 years, God has vested KMBI with strong willpower to stand triumphant above adversities and continue to spark transformation from the household of its Program Members. Successful clients like Ms. Lydia Malot and Ms. Maternidad Salili are a solid proof that KMBI rightfully gives back its share of blessings to people, and that the organization is working around the clock to perform its God-given undertaking. But are our efforts enough to revolutionize their way of living? These clients can attest.
LORLINE LURA Ms. Lorline Lura is the owner of a wellknown seafood store in Davao del Sur. In the past, she and her husband were working to sustain the needs of their family. Soon, they both quit their work in trade of putting up a small seafood store. “We should not forever remain an employee. Keeping a business is better, since there’s everyday income,” she said. Her business grew exponentially when she joined KMBI. “KMBI is truly my partner in business, especially when my credit line kept increasing. The management also runs the organization very well.” She claims approachability is the key to sustaining customers who, in turn, maintain the flow of your business. “The best way to keep your business running is by being approachable. Because if you can’t be approachable, people won’t come to you.” It’s no wonder her affable character helps her earn Php 40,000-60,000 a month.
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MARICEL PANAYAS Ms. Maricel Panayas of M’lang, North Cotabato wants the world to know that she is a proud “daughter of KMBI”. Back then, she used to do all sorts of pink-collar jobs, such as manicure, laundry, pantry works, and housekeeping. They had no permanent residence and ate burnt rice every day. She was denied of loan privileges due to her being a “squatter”. But it all changed when a KMBI Program Officer willingly took her in despite her financial standing. She volunteered to form her own center where she currently presides. “KMBI allowed me to experience being a center President for the first time in my life.” Her sari-sari store, which she used to call “sira-sira store” then, has now expanded to a mini-grocery store. Apart from progression in business, KMBI also instilled self-confidence in her. Such confidence enabled her to snag the first “Digital Literacy” award last 2015, besting representatives from 35 countries in tech knowledge. “Look for a microfinance institution that has a genuine intention of serving and does not choose who to help,” she shared. One remarkable thing that she professed was her lifetime commitment to KMBI. “I will stay here for as long as I have breath.” Without doubt, she is a product of transformation.
ARLYN TALAMOR For Ms. Arlyn Talamor of Tagum, loyalty is more than just a choice; it is a principle that you have to assert time after time. This proved true during the peak of the intracorporate dispute. Seven centers in their area settled to the other side and invited her to do the same, but she was firmly resolved to stick with KMBI. She committed to give back the loan she was entrusted to the original KMBI branch because that was where she had acquired the loan. That simple but rational way of thinking turned out to be the right decision. The estranged members are now recognizing her unfazed loyalty, and this drives them to come back to KMBI one after another, seeing that Ms. Arlyn has progressed greatly in life. They are just some of the many clients whose lives have drastically changed. But what do they have in common? They do not forget to look back and be grateful to KMBI for knocking on their doors and giving them a renewed life. Kabalikat para sa Maunlad na Buhay Inc.
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W
ant to travel but on a limited budget? Check out these five awesome destinations!
1. CAGAYAN Seemingly underrated, Cagayan offers a lot of stunning views if you go off the beaten track. You can explore the Callao Caves and the Pinacanuan River, which is an hour away from the capital, Tuguegarao. While in the capital, don’t forget to take a bite from Jomar’s Panciteria and order “Batil Patung”, the local’s version of pancit. If hiking is your cup of tea, you can start exploring the Sierra Madre Mountain Range, one of the Philippines’ most extensive mountain ranges. If you have more time, try to visit Palaui Island where the famous “Cape Engano Lighthouse” dots the landscape. How to get there: From Manila: Tuguegarao Bus –(PhP 600900) (One way - Florida Bus) To Callao Caves: Tuguegarao to Terminal going to Penablanca (tricycle) (P10.00). Penablanca-Callao Tricycle (PhP 40.00). Callao Caves Entrance Fee: PhP 20, before getting on a boat that will take you across the river (PhP 20.00/roundtrip). To Palaui Island: Get a Tuguegarao to Sta. Ana FX (PhP 180); Transfer to Sta. Ana to San Vicente Port via tricycle: (PhP 20); hire a boat to Cape Engano Lighthouse: PhP
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1800 (6-8pax) Entrance: Palaui Island – PhP 50 Food: Batil Patung PhP 70/order; 100/150 *note Palaui Island has limited stores; items must be bought from Sta. Ana. Lodging: PhP 700-1000/room; Palaui Island PhP 250/night 2. SAGADA, MOUNTAIN PROVINCE Tourism boomed exponentially in Sagada when “That Thing called Tadhana” came out of theaters a few years ago. Hiking seems to be the best thing to do in Sagada. Tourists reconnect with nature inspired with tranquil surroundings and fresh mountain air. Visit the Sumaging Cave and for adventurers, do the “Cave Connection” for exciting spelunking activities. Visit the Hanging coffins of Echo Valley and wait for the sunrise at Kiltepan. Try the Log Cabin Dinner buffet or a slice of the famous lemon pie in the Lemon Pie House of Sagada. You can also get your coffee fix while browsing through archival photos of the area in the Masferre Cafe. How to get there: Manila-Sagada Bus PhP 720 (Coda Lines) Lodging: PhP 300-500 per room Food: PhP 100-150/pax 3. ANGONO, RIZAL Dubbed as the Art Capital of the Philippines, Angono is home to community of Artists
TIPS
Tara Na,
Biyahe Na! By Margaret Rose Rodriguez
and sprouted two National Artists namely Lucio San Pedro (Music) and Botong Francisco (Painting). The best time to go to Angono is February where Art houses open their doors to celebrate the Art Month. You can visit the Nemiranda Arthouse, Blanco museum, Ang Nuno Art Gallery, Atelier Art Gallery, And the 2nd Gallery (managed by the grandson of Botong Francisco). Don’t forget to visit Balaw-Balaw Restaurant for exotic eats (Steamed beetle larvae, fried itik, fried crickets, frog marinated in wine, etc.) How to get there: From SM Megamall FX to Angono costs PhP 45/pax. Entrances: Nemiranda Art House entrance: PhP 50; Blanco Museum: PhP 75; Angnuno Gallery (Balaw-Balaw restaurant) Free; 2nd Gallery (Donation), Orville Tiamson Studio: PhP 35, Aaron Bautista Studio (Donation). Food: PHP 100-150 Lodging: (daytrip) 4. DAET AND CALAGUAS ISLAND, CAMARINES NORTE Camarines Norte is the gateway to Bicolandia and home to a lot of delectable dishes like the Kinunot (Shark or Manta Ray Coconut Stew), Pandecillos (Baked Pili Custard in Bread), Pinangat, Laing and Tilmok (crabmeat with gabi leaves cooked in chilis and coconut milk). One can visit the Mercedes Beach Port near Daet and visit the tinapa factories scattered
around the area. One of the highlights of Camarines Norte is the island of Calaguas which feature a long stretch of white beach facing the pacific ocean. How to get there: From Manila: Manila-Daet Bus PhP 900 (12 hours); then get a bus transfer: DaetParacale Bus – PhP 60; You can also go straight from Manila to Paracale by bus: PhP 600 (Superlines) (12 hours); Then take the Boat to ferry you to Calaguas island – PhP 500/pax (2 hours) Lodging: Tent PhP 200/night 5. CORON, PALAWAN Voted as the Best Island in the world according to Conde Nast Traveller, Palawan elicits the ulitimate beach get-away. The Island of Coron is situated on the Northern tip of The Swim in the cleanest lake in the world, Kayangan Lake. You can also explore the Twin Lagoons. How to get there: You can visit Coron via ferry from Manila for PhP 2200 two-way fare (Atienza Shipping Line). The Ship leaves every Friday at 5pm and arrives at Coron on Saturday at 7am. Flights will set you back around Php 7000 - Php 12,000 (two-way) depending on the season. You can get rooms as cheap as PhP 600 pesos per night and eat locally at less than PhP 100 per meal.
With reference from: http://blog.clientheartbeat.com Kabalikat para sa Maunlad na Buhay Inc.
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The Fundamentals of Writing GRAMMAR 101:
I
have read countless times across several writing articles that “to be an effective writer, one must have a good grasp of grammar.� However, we fall under the dominant idea that grammar lapses should not in any way hinder the flow of normal, day-to-day conversations. On the flip side, lack of understanding of the English language creates a barrier to professionalism and formal discourse. I am listing here the most commonly committed grammatical errors to guide you on their proper usage. SUBJECT-VERB AGREEMENT The most basic rule in the S-V agreement is that a singular noun (dog, employee, bell) requires a singular verb (barks, works, rings). For starters, a noun is considered singular when it indicates only one person, animal, place, or thing. On the other hand, a noun referring to more than one person or thing (phones, children, leaves) is considered plural and correspondingly requires a plural verb (are, play, fall). Take a look at the case in point below:
Incorrect: The employees seeks to transform the lives of clients. Correct: The employees seek to transform the lives of clients. In the second example above, the subject employees refers to more than one person (plural) and should therefore take the plural verb seek. Now, this is where things get a little trickier. Mixing a preposition (of, to, for) in the sentence can cause confusion to the majority of English learners, like so: Incorrect: The crime rate in Southeast Asian countries are crossing the alarming threshold nowadays.
Incorrect: The institution help the poor. Correct: The institution helps the poor.
The thing that makes the above sentence confusing is the prepositional phrase in Southeast Asian countries. Some will identify the subject as Southeast Asian countries (plural) and tend to write the plural verb are, which is incorrect. Southeast Asian countries do not border on an alarming level; the crime rate does. Therefore, the subject should correspond to the singular verb is.
Notice that the subject institution is singular. Thus, writing the singular verb helps will make the sentence correct.
Correct: The crime rate in Southeast Asian countries is crossing the alarming threshold nowadays.
Likewise, plural nouns require plural verbs.
TENSES Tenses play a very important role in the
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Communi-K vol. 13 no. 2
By Kenneth S. David
English language. They tell us the point in time in which something happens. There are many types of verb tenses, but for now, we’ll focus on the most basic errors created using tenses. ARE OR WERE/IS OR WAS The word is (plural are) is called a linking verb. Meaning to say, it is used to connect ideas in a sentence. We use linking verbs in their present form (am, is, are) to talk about what’s happening right now, or if we want to express general ideas, facts, or existing beliefs. We use was (plural were) to express a phenomenon or idea that took place in the past. Incorrect: Filipinos were known to be hospitable. What happened to the Filipino people? Using were in the sentence implies that Filipinos used to be hospitable, and that their hospitability is a past trait that no longer exists in the present time. Given that the sentence expresses a general notion or an idea that is already established, it is correct to replace were with are. Correct: Filipinos are known to be hospitable.
TIPS
IT’S VS. ITS It’s is a contraction of “it is” and is often misused to convey possession of an object. Proper usage: It’s best to keep an eye out for typographical errors before submitting your draft. Many English learners make the grave decision of placing ‘s after it to show ownership. But please take note that it is a pronoun. While you simply add apostrophe + s after a noun to indicate possession (the boy’s slippers, a mother’s love, KMBI’s mission and vision), pronouns follow a different rule (his, her, its). Incorrect: The car and it’s iridescent coating took the internet by storm. Correct: The car and its iridescent coating took the internet by storm. I’ll toss in an extra tip: Very often do I see stalls or establishments that write “Apple’s for P50” or “Herbal product’s sold here”. You are perfectly fine with selling “Apples for P50” or simply saying “Herbal products sold here”. There’s no need for apostrophes.
If you have any grammar topics or questions Then again, unless something happened in mind that you wish to be elaborated in to Filipinos that stopped them from being the next publication, feel free to mail them hospitable, then that’s the only time using to ksdavid@kmbi.org.ph. I’m more than were would be proper. glad to help you out! Sources: http://www.grammarbook.com/grammar/subjectverbagree.jsp http://www.grammarly.com Kabalikat para sa Maunlad na Buhay Inc.
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Organizational Performance Indicators
As of December 31, 2016
Efficiency
Loan Activity
Cost per unit Lent
0.19
Client Outreach
119,281
Cost per Loan Made
Php1,807.89
Loan Portfolio
684,5M
Financial Self-Sufficiency
115.30%
Value of Loans Made
Php 2.15B
Operational Self-Sufficiency 116.62%
Portfolio-at-Risk
Php 16.7M
Ave. No. of Client per PA
202.5
MF-Operations
767
No. of Loans Made
225,362
Support Group
104
Number of Staff
Our Vision “To see people in communities live in abundance with strenghtened faith in God and in right relationship with their fellowmen and the rest of creation”
Our Mission
MASAYA DITO SA KMBI
Groufie Corner
Send your Masaya dito sa KMBI groufies to jiulangca@kmbi.org.ph for a chance to be featured in the next publication!
Tagum Branch Grace Asedillo w/ Area Manager
d Office KMBI HeaPa rty 2016 as Christm
“KMBI is a Christcentered development organization existing to advocate and work for the integral transformation of the lives of its clients and their communities, by providing sustainable microfinance and responsive non-financial services.”
Core Values Christian Faith People’s Well-Being Good Governance Continuous Improvement Teamwork
ng of Area Departmental planni Managers in Tagaytay
12 San Francisco Street Karuhatan, Valenzuela City Tel (02) 291.1484 to 86 Fax (02) 292.1441 www.kmbi.org.ph 28
Communi-K vol. 13 no. 2
Pampanga Area Retreat 2016