KMBI Communi-k 3rd Quarter

communi-k ISSN 2243-8939

KMBI

VOL 10 NO 3

Run Well FINISH STRONG!!!

Anger INSIDE: MASAYA Management dito sa KMBI !!!

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Bakit Pobre Si Juan?

Smile ka din

The Art of

Isang Milyong

may Persuasion “Startpag Right, Runtime Well, Finish Strong” (Philippians Pag-asa 3:12-14)

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Contents VOLUME 10

News

NO.3

10

2013

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• KMBI implements EIR, DBM, and DST on loan computation

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• BSP certifies KMBI as Credit Granting Facility • KMBI, APPEND assist Typhoon Odette victims • KMBI moves forward with new organizational structure

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Features

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• Dahil Gusto Kong mapromote • Paano mahahanap ang “Hidden Treasure” • Anger Management • Bakit pobre si Juan?

• Facing Disappointments • Creating a stress-free workplace • Smile ka din, ‘pag may time!

• Present sa Sentro • Understanding the Art of Persuasion • I am an Agent of Change • Isang Milyong Pag-asa

• Mass Wedding seal 123 couples’ union • HR announces Operations staff movement • KMBI staff receive health and wellness seminars • MD1 PM semifinalist for CMA • PMs join Bayan Academy’s provincial leg • Valenzuela PMs attend PTTC livelihood training • NLE holds 2nd area fellowship • PMs showcase produce at Caraga ENTREP Day • Typhoon Maring victims receive assistance • KMBI extends aid to landslide victims • KMBI staff avails free warts removal

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Cover Story

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• Run Well, Finish Strong!!!

Updates

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• Organizational Performance • IT rolls out client profiling for KIIS • Tarlac branch prepares for AMF

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Communi-K • vol. 10 no.3

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EDITORIAL BOARD

THE EXECUTIVE’S NOTE As we continue to RUN WELL, we are constantly reminded of our roles as leaders. And as your new Executive Director, I recognize that this is not an easy role. With all the changes in the organization, there is a need to be in-sync with the goal to help us move forward and gain momentum for a bigger and better future of KMBI. How can we do this? I want everyone to observe and be inspired by these four R’s.

Be RELEVANT. God has a purpose for everyone and everything. There is a purpose why you are here in KMBI. What you need to do is to discover God’s purpose, serve it with all your heart and contribute to the success of KMBI. Work for your real master – the Almighty God. Be RELIABLE. Beyond just being dependable, ensure that what you are doing can contribute to the success of the organization. Always be consistent with the result of your performance and judgment.

Be RADICAL. Innovate! Don’t be contented with whatever you have right now. You can always improve to be excellent.

Lastly, be REGULATED. As leaders, don’t just abide by the organization’s policies and regulations; respect and do it in all honesty.

If we follow these R’s, I firmly believe that the coming year is an opportunity to begin again, to prove our worth, and show the world that KMBI is a ministry of God and the work of our hands is all for the glory of God.

RIZALDY R. DUQUE Executive Director

MASAYA dito sa KMBI !!!

Marissa M. Dela Rosa Editor-in-Chief Lea J. Gatpandan-Domingo Managing Editor Gellie Anne O. Abogado Editor Rhanny P. Barrera Melvin S. Geraldo Sweetheart B. Maga Jefferson T. Ng Concepcion B. Parantar John David I. Ulangca Contributors John David I. Ulangca Graphics Design Frolly C. Mariado Jefferson T. Ng Circulation For editorial, contributions, suggestions and inquiries, please contact: Marketing & Communications Dept.

Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., Karuhatan Valenzuela City 1441 Philippines Email: leagatpandan@kmbi.org.ph

Gusto mo bang ibahagi ang iyong masayang kwento?

Narito na ang Masaya Dito sa KMBI!!! corner na magbibigay daan sa mga natatanging kwento ng mga empleyado. Anuman ang iyong posisyon... anuman ang iyong kwento, mapadrama, comedy, o action, basta’t sumasalamin sa iyong totoong karanasan at pagiging masaya ay tiyak na pasok ang kwento mo dito!

Ipadala lamang ang iyong kwento at larawan sa pamamagitan ng email sa leagatpandan@ kmbi.org.ph

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Organizational News

KMBI, APPEND assist Typhoon Odette victims

Clockwise: Amy Magpayo, transformation coordinator praying for the typhoon victims; Olongapo branch program assistant unloading relief goods; branch staff and program members packing goods; local maintenance worker cleaning the roadway.

KMBI, in partnership with APPEND, assisted 859 staff and program members affected by Typhoon Odette in Olongapo City on September 27, 2013.

The goods were distributed in their respective centers where program members received a kilo of rice, coffee, sugar and powdered milk from KMBI and noodles and sardines from APPEND. “My family did not eat the whole day last Monday due

to heavy rain which brought chest level high flood in our residence,” shared Evangeline Dinulong, program member.

Olongapo branch also submerged in waist-deep flood and damaged office records, supplies and equipment.

According to the branch staff they started the mud clean-up on September 25. “We did it ourselves because everybody is also busy cleaning up their own homes,” Shiela Catiis, Olongapo branch manager reported.

BSP certifies KMBI as Credit Granting Facility

The Bangko Sentral ng Pilipinas (BSP) recently acknowledged KMBI as an entity with CGE or Credit Granting Facility. The certification expressed KMBI’s commitment to transparency and adherence to the Truth in Lending Act or RA 3765.

“This law will help protect our program members by giving them full disclosure of the true cost of their credit.” said Madelyn Frijillano, Acting Deputy Executive Director for Management Services.

The RA 3765 has already been implemented by the BSP on April 20, 2012 under Circular No. 755.

“This certification will be valid for three years from the date of issuance and is renewable annually thereafter.” added Frijillano.

KMBI implements EIR, DBM and DST on loan computation The Effective Interest Rate (EIR), Diminishing Balance Method (DBM) and Documentary Stamp Tax (DST) are now added in the computation of loan interest for new loans and re-loans starting August 1,

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Communi-K • vol. 10 no.3

2013 in compliance to the implementing guidelines of RA 3765 or Truth in Lending Act. The finance department assures that the amount of interest paid by the program members before will not be

affected. “Despite changes in computation, the interest remains to be PhP800.00 for loans amounting to PhP4,000.00,” said Madelyn Frijillano, KMBI acting deputy executive director for Management Services.

Organizational News

KMBI moves forward with new organizational structure Management Office (EMO), Reginold R. Delos Reyes is appointed Officer of Corporate Planning & Special Projects while Maylanie D. Apawan assumed Legal (Case Management) Officer position.

With the new structure, KMBI is set to take Rachel Cabato, managing consultant from Integrated Learning International, presented the new bolder steps Organizational Structure and Chart to the management team. towards greater stability and continuous KMBI Board of Trustees Gandeza, respectively. For growth. “I believe that the new announced the new the HCG, Albert Kim Ludwig organizational structure will Organizational Structure on N. Sumaculub, A. Edwin B. give us a chance to improve our September 30, 2013 together Aruelo, and Sharon O. Dionco intervention, continue on with with the appointment of new will be managing the Staffing our thrust to fulfil our vision set of leaders assuming their and Employee Relations, and create a better impact to posts effective October 1.

Staff Development, and our clients,” said Duque.

Total Rewards Management Rizaldy R. Duque, former Acting departments, respectively.

Deputy Executive Director for For the BIG, Marissa M. dela Operations, assumed post Rosa assumed as Marketing as the new KMBI Executive and Communications Manager Director. Further, with the new and Hazel Christine R. Bayaca structure, departments and as Program and Product operations were aligned into Innovations Department four new groups to accelerate Manager. Bayaca was further the delivery of KMBI’s top appointed as the Officer-inpriorities, i.e. Institutional Charge to oversee the BIG. Support (ISG), Human Capital Moreover, Grace D. Bautista, (HCG), Operations (OG), and Fay Lorraine C. Amodia, and Business Innovations (BIG).

Rhany P. Barrera assumed Regional Directors position Starting October 1, Madelyn for North Luzon Operations, Frijillano will lead the ISG South Luzon Operations and and HCG. Under the ISG are Visayas-Mindanao Operations, Administration, Finance and correspondingly. And for the Accounting, and Information Internal Audit Group, Harry D. Technology departments Dalanon takes the position as to be headed by Annalie the Senior Auditor/OIC. Newly appointed Executive Director, D. Concepcion, Joyce May Rizaldy R. Duque.

E. Tongson, and Jofel P. Likewise, under the Executive

MASAYA dito sa KMBI !!!

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Organizational News

Mass Wedding seal 123 couples’ union

HR announces Operations staff movement The Human Resources Department has announced on September 11 the promotion and appointment of selected operation staff effective September 1.

Clockwise: Couple from Pampanga area exchanging vows; Pampanga area staff as secondary sponsors of the newly weds; Couple from Rizal signing their marriage contract; and mass wedding participants from Rizal area during the ceremony.

123 couples sealed their union in the annual Mass Wedding activity conducted from June to August in 18 KMBI branches nationwide.

For this quarter alone, KMBI invested almost P258,000 to host the wedding celebration. Charis Ken Layawan, transformation

coordinator, reported that the Mass Wedding program was well appreciated by the beneficiaries, “all of them were thankful that their union was finally blessed and legalized.”

More branches are expected to organize the same activity before year ends.

KMBI staff receive health & wellness seminars KMBI, in cooperation with Intellicare, organized series of seminars for the 3rd Quarter of 2013 as part of the Health and Wellness Program of the HR Department held at the West Avenue Extension Office.

Intellicare provided the guest speakers for the Cervical and Prostate Cancer Awareness and

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Stress Management seminars.

“It was very informative and they were delivered in a manner that can be easily understood and appreciated by the audience,” said Rosaleeh Matienzo, product development unit head and participant of the said seminars.

Ian Mark Villacruz (Bicol Operations), Girlie Teringtering (Cebu Operations), Antonette Go (North Luzon West Operations) and Lanie Cardeño (North Luzon East Operations) are appointed as full-fledged area managers; while Suzette Madayag (CALABARZON 1), Jason Mendiola (CALABARZON 2), Jose Wenefredo Belista (CALABARZON 3), Jasmine Mendiola (Rizal), Glenn Parsacala (Bulacan) and Cashmere Cayaban (Pampanga) as area manager trainees.

Meanwhile, Ruben Jobo Jr. (Dagupan), Jevalyn Bebanco (San Carlos), Jeffray Gabia (San Fernando, La Union), Earl John Benito (Santiago) and Alex Simon (Tuguegarao) are promoted as full-fledged branch managers; Babylyn Ofiaza (Urdaneta) and Ramel Leyson (Guagua) as acting branch managers; Ariel Feliciano (Talavera) and Orlande Besa Jr. (Capas, Tarlac) as Full-Fledged PUS; Aldrin Mendoza (Urdaneta), Jubeth Cortez (San Carlos), Joyce Juliana Reofrir (Tandang Sora) and Winnie Mari (Binangonan) are appointed to an acting PUS position; and Reynold Ramones (Laoag) is now assigned as BA associate.

Organizational News

MD1 PM semifinalist for CMA

(Photos Left-right) Heidi Alimios (center) received the news as one of CMA’s semifinalist; Alimios being interviewed by one of the CMA review committees.

MCPI (Microfinance Council of the Philippines, Inc.) has announced KMBI Metro Davao 1 program member, Heidi Alimios, as one of the semifinalists for the 2013 CMA (Citi Microentrepreneurship Awards) Program.

The CMA Review Committee, composed of senior officers of Citibank Philippines, the Bangko Sentral ng Pilipinas (BSP) and the MCPI visited Alimios on September 12, 2013 as part of the screening process. “Alimios

PMs join Bayan Academy’s provincial leg

was chosen because her business has been consistently growing for 3 years. She also showed enthusiasm to enhance her business acumen by attending seminars.” said Belen Sison, OIC, Entrepneurship Development Services.

Alimios started out with a dress rental business and now expanded to party and events organizing which includes reception, decorations, invitation, dress rentals, and catering services.

Valenzuela PMs attend PTTC Livelihood Training 120 Valenzuela branch program members attended the livelihood training at the Philippine Trade Training Center in Pasay City from July 19-20. The training was facilitated by the Department of Trade and Industry or DTI.

Belen Sison, OIC-EDS, emphasized the importance of inventory management to KMBI Urdaneta branch attendees.

Program members joined Bayan Academy’s provincial leg held at Urdaneta branch on September 9. The provincial leg was joined by program members from Meycauayan and Urdaneta branch to learn Inventory Management facilitated by Susana Giolagon, Chief Budget and Cash Officer from Citi Foundation.

“We’ve learned a lot from the

MASAYA dito sa KMBI !!!

seminar especially with regard to strategies on implementing inventory count at least once a week and how important it is to have sales cash count as well,” shared Larilyn Lazo, Urdaneta branch program member.

The said program is sponsored by the Citi Microenterprise Development Center.

“This is a free training that we took advantage of for our program members to help them have a possible additional source of income,” said Mary Rose de Guzman, Valenzuela branch manager.

The participants learned techniques and new skills on meat processing, opening and managing a junk shop, franchising, flower arrangement and chocolate molding.

“There are now program members applying what they learned from the seminar,” added de Guzman.

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Organizational News

PMs showcase produce at Caraga ENTREP Day

(Left-right) San Francisco branch staff performed an intermission number; and Tagum branch program member Medilyn Bandigan, coco honey sap producer, won in the Best Product Display category.

At least 1,000 program members showcased their best produce during the Caraga Entrep Day held at the San Francisco Gymnasium, on September 21 with the theme “Malambuon nga Negosyo, Sigurado ang Asenso (Maunlad na Negosyo, Sigurado ang Asenso).”

The Entrepreneurship Development Services (EDS)

department helped CARAGA operations gather program members in mounting the whole day activity to showcase the different products made by clients from raw materials found in the region. Interesting food products on display are coco honey sap, pickled seaweeds, camote candy, chili sauce with banana paste, pastries, and chips from root crops among others. Moreover,

fresh agricultural produce and colourful handmade woven products like banig and native bags were also on display.

“The event encouraged the clients to further improve their products so it can be more marketable, not only during that day, but also in the future,” said Janet Lunzaga, EDS associate.

NLE holds 2nd Area fellowship

NLE area staff actively participating in one of the team building activities.

KMBI North Luzon East Operation held its 2nd Area Fellowship from August 9-10 at Keana Resort in Pagudpud, Ilocos Norte.

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and team building activities promoting camaraderie and team work. Area staff also organized a Mr. and Ms. NLE bagged by Norman Austria from Santiago Branch and Jackylyn Cagayan from Cauayan Branch.

“This activity was, indeed, full of joyful and meaningful experiences. We are looking forward to another Area Fellowship next year,” said Alex Simon, Acting Tuguegarao branch manager.

Organizational News

Typhoon Maring victims receive assistance

Sweetheart Maga and Amy Magpayo, transformation coordinators; and Fay Lorraine Amodia, South Luzon Operations director, facilitated the distribution of relief goods to the program members.

3,699 program members and staff affected by Typhoon Maring received assistance from KMBI on August 2013.

KMBI had allocated a total

of P.537M to fund the relief operation. “The 3,664 program members received, mostly, grocery items, while, the 35 affected branch and head office

KMBI extends aid to landslide victims

Program members received plywood, galvanized iron and grocery items from KMBI with Binan branch staff.

KMBI extended assistance to 16 program members affected by a landslide that hit Brgy.

San Antonio, San Pedro, Laguna.

Aside from grocery items, each program members received three sheets of galvanized iron

MASAYA dito sa KMBI !!!

and two pieces of plywood inside the evacuation center.

“The program members were very thankful for the assistance KMBI has provided for them,” said Antonio Gamay, Jr., KMBI Binan branch manager.

received monetary assistance, said Sweetheart Maga, transformation coordinator.

KMBI staff avails free warts removal 49 KMBI staff from the head office and nearby branches availed the free warts removal or electrocautery service offered by Intellicare on July 9 at the KMBI Head Office in Valenzuela City as part of the HMO provider’s additional benefits and services for its beneficiaries.

“Warts spread fast and can easily be transferred through skin to skin contact that is why we encouraged the staff to have their body checked for warts and fully take advantage of this free service,” said Jefferson Alegre, company nurse.

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Leaders’ Edge

Gusto hilMapromote!

DaKong w

Ni Gellie Anne O. Abogado

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agmamadali sa pagpasok, baka mahuli na sa opisina.

Titingin sa relos, sisilip-silip sa jeep kung malapit na ba ang bababaan. Pagbaba sa jeep, tatakbo hanggang sa makarating sa pintuan ng opisina. Hinahabol ang hininga at umaga pa lang mukhang stressed na! Ganyan ba ang normal na scenario mo sa pagpasok?

Marami sa atin ang nangangarap na mapansin ng ating mga superior; pero kung ganito na lamang ang ipapakita natin sa araw-araw sa tingin mo ba ay mapapansin niya tayo sa mabuting paraan? Baka nga sinasabi niya sa isip niya, “ano ba naman ‘to araw-araw na lang mukhang stressed.

Baka hindi niya kayanin ang mas malaking responsibilidad.”

Naku! Patay tayo dyan. Akala mo tama na ang umaabot ka sa tamang oras, na average ang performance pero hindi pala.

Ano nga ba ang maaari nating magawa para mas mapansin tayo in a good way… Actually, in the best way: Ipakita na Kayang-Kaya Mo. Ipakitang asset ka ng organisasyon. Tapusin ang 10 |

Communi-K • vol. 10 no.3

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trabaho ng maayos, on-time at subukang mamuno ng mga proyektong sa tingin mo ay ikabubuti ng branch, department o ng buong organisasyon. Sa ganitong paraan ay makikita ang iyong kahandaan sa paghawak ng mas malaking responsibilidad.

Pag-aralan ang Industriyang Ginagalawan.

Mahalagang alamin ang nangyayari sa industriyang ginagalawan mo. Kamusta ba ang iba pang microfinance organizations? Ano na ba ang mga bagong trends ngayon?

Ano na ba ang kalagayan ng microfinancing sa bansa natin? Maging masuri din sa kung paano ba ang takbo ng organisasyon. Huwag makuntentong trabaho mo lamang ang alam mong gawin upang pagdating ng inaaasam mong career level up ay handa ka na ring makipagsabayan sa mga bago mong boss.

Palawakin ang iyong Network.

Huwag mong ilimita sa mga kasama mo sa trabaho ang iyong nakakasalamuha.

Mahalaga ring makakilala ka ng ibang tao na posibleng makatulong sa iyo, sa iyong sentro, at sa organisasyon tulad

na lamang ng mga maaaring makapagbigay ng training sa iyong mga kliyente. Hindi ba mas mapapansin ka ng superior mo kung mayroon kang magawang ganito?

Ipakita ang Pagnanais mong Makatulong sa mission ng Organisasyon.

Ipakita ng may buong sinseridad ang iyong pagnanais na mapagbuti ang organisasyon. Siguro iniisip mo na trabaho na ng boss ‘yan, aba, hindi ba iyon ang nais mong mangyari, paano na lamang kung ikaw na ang nakaupo bilang boss, paano mo ngayon patatakbuhin ang iyong pinamumunuan kung wala ka namang kasanayan o hindi ka sync sa mission nito. Ang pagangat natin sa ating career ay hindi base sa pagiging maayos lamang ng ating trabaho, o kumpletong attendance record.

Importante din ang tinawag na “extra mile” at ang initiative mo na i-improve ang sarili para match ang iyong capacity sa trabahong hinahawakan mo.

Wag ding isawalang-bahala ang pinaka- importanteng trait na dapat ay mayroon ka – ang BIG C o Commitment dahil dyan magsisimula ang pagle-level up mo.

Leaders’ Edge

Paano Mahahanap ang

“Hidden Treasure”

Ni John David I. Ulangca

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abi ng marami may pera daw sa basura; ngunit literal ba na makakakuha ka ng pera sa basurahan? Syempre, hindi, pero maaari kang kumita mula dito. Kakailanganin mo nga lang ng konting oras at tiyaga para makita ang “hidden treasure” sa basura. Huwag kang mag-alala, sulit na sulit naman kapag nakita mo na ang halagang katumbas ng iyong dating tinatawag na “basura.”

Hayaan mong ikwento ko sa inyo kung paano ko natuklasan ang hidden treasure sa loob ng aming tahanan.

ibinenta ng bulto. At para hindi ka na matulad pa sa akin, hayaan mong bigyan kita ng tips para mas yumabong pa ang pera mo sa basura: Knowledge is Power. Sa bahay pa lamang ay ugaliin nang magsegregate. Hindi lang ito basta paghihiwalay ng nabubulok sa di nabubulok. Dapat mong alamin kung alin ang pwedeng mabenta at alin ang hindi.

Kaya naman simulan mo nang pagsama-samahin ang plastik, papel, bakal, bote at iba pang mga pwedeng maikalakal.

Alamin kung magkano ba ang

Maging Creative. Imbes na ibenta ang ilang mga raw materials o basura, baka naman pwedeng ikaw mismo ang lumikha ng isang produkto gamit ang mga ito. Dito nagsimula ang ilan sa mga microentrepreneurs natin.

Hindi naman siguro lingid sa iyong kaalaman ang nauusong Zesto bags ngayon na mula tetrapack ng mga juice. Ikaw, baka naman may maisip kang bagong pakulo na maaari mong magawa sa mga inaakala mong basura.

Maging Resourceful. Hindi naman sa lahat ng oras Isang umaga Dapat mong alamin kung alin ang ay sa bahay lamang inutusan ako ni pwedeng mabenta at alin ang hindi. tayo makakakita ng nanay na maglinis mga raw materials. ng aming bodega; Maging mausisa at marami na kasing nakatambak halaga ng mga kalakal ayon sa magtanung-tanong saan pa na gamit na hindi na namin kanilang uri. Sa paraang ito, pwede makakuha ng mga kailangan tulad ng mga bakal, malalaman mo kung ano ang bagay na maaari mong gamitin lumang dyaryo at magazines, maaari mong itabi sa susunod sa iyong DIY (Do-It-Yourself) karton, bote, mga sirang na may mas malaking halaga. project. Tulad na lamang ng appliances at marami pang iba. isa nating program member Noong una ay namroblema Magkaroon ng Mini-Junk mula sa Valenzuela Branch ako kung saan ko itatapon Shop. Kung mayroon kang na kumukuha ng mga retaso ang mga “basurang” iyon. medyo malaking pwesto sa ng foam sa isang pabrika at Inisip kong ipahakot ito pero inyong bakuran, pag-aralan ginagawa itong palaman sa gagastos pa kami ng pambayad ang pagkakaroon ng junkshop mga unan. Ayos, hindi ba? sa maghahakot kaya naman at ang kalakaran nito. Sa totoo sumagi sa isip ko na ibenta na lang, literal na may pera sa Ngayon, masasabi mo pa lang ang mga ito sa junkshop. basura kung ito ang pagba na walang pakinabang Aba! Tingnan mo nga naman, uusapan. Sa mga junk shop ang basura? Kung sa una ay luminis na ang bodega namin, kumukuha ang ilang pabrika inaakala nating wala nang silbi kumita pa ako. upang magamit bilang raw pero ito pala ang magbibigay materials. Mayroon tayong sa atin ng pera at posibleng Ngunit laking hinayang ko mga program members na makapagpayaman pa sa atin. ng aking matuklasan na mas nabubuhay at umunlad ang malaki pala ang dapat na buhay ng dahil sa pag-jujunkNais mo na bang hanapin ang kikitain ko kung hindi ko ito shop, alam mo ba iyon? pera sa dagat ng basura?

MASAYA dito sa KMBI !!!

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Leaders’ Edge

ANG MANAG B

eing angry is neither good nor bad. According to Charles Spielberger, PhD, a psychologist who specializes in anger management, it is perfectly healthy and normal to feel angry when you’ve been mistreated or wronged. The feeling isn’t the problem— it’s what you do with it that makes the difference. Most of the time anger is not a choice, it’s simply a response to a “trigger” (e.g. hurt pain and fear), but the expression of anger is a CHOICE and this is where the need to manage our anger comes in.

The Bible tells us that anger is not always a sin. There is a type of anger called “righteous indignation.” God can be angry (Psalm 7:11; Mark 3:5), and believers can be angry (Ephesians 4:26). Anger in

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the New Testament can be translated to two Greek words.

One means “passion energy” and the other means “agitated, boiling.” Biblical anger examples include David’s being upset over hearing Nathan the prophet sharing an injustice (2 Samuel 12:5) and Jesus’ anger over how some of the Jews had defiled worship at God’s temple in Jerusalem (John 2:13-18).

Notice that neither of these examples of anger involved self-preservation, but a defense of others or of a principle.

Here are two significant facts we have to consider when we get angry: 1. Once anger begins it changes our body, thoughts, and even initiates impulses into action. Anger can potentially “hijack” the rational thinking part of our

brain. This is often the case when a person states, “I just lost it!” this may result to actions that we’ll regret later such as harming or killing someone at some extent 2. “Anger is an emotional state that varies in intensity from mild irritation to intense fury and rage.” It is accompanied by physiological and biological changes; when we get angry, our heart rate and blood pressure go up, as do the levels of our energy hormones: adrenaline and noradrenaline. These may result to the following illnesses: a. b. c. d. e. f.

Headache Digestion Problems Insomnia Depression High Blood Pressure Skin Problems such as

Leaders’ Edge

GER GEMENT

By Sweet B. Maga

eczema g. Heart Attack that may lead to stroke But how do we manage our anger, especially in our type of work here in KMBI so that we may not sin? Here are some tips we can do:

up until we lose control. I remember a quote that says, “do not put for tomorrow what you can do today.” In short, if we are angry with someone, the best time to reconcile is not tomorrow but today. For all we know, the person concerned may not have a tomorrow to come, more so yourself.

1. Be honest and speak up (Ephesians 4:15,25). People cannot read our minds.

When we’re angry with someone or something, we must speak the truth in love to the person or people concerned (take note not just to anyone, but directly to the person or people involved). Remember what the scriptures say, we are of one body.

3. Attack the problem, not the person (Ephesians 4:29,31).

Along this line, we must remember the importance of keeping the volume of our voices low (Proverbs 15:1) and so with the words coming out of it. Keep in mind that we’re angry not of the person but the circumstance.

2. Stay current (Ephesians 4:26-27). We must not allow pent-up emotions to build

4. Act, don’t react (Ephesians 4:31-32). Because of our fallen nature, our first

MASAYA dito sa KMBI !!!

impulse is often a sinful one (v. 31). The time spent in “counting to ten” should be used to reflect the godly way to respond (v. 32) and to remind ourselves how the energy anger provides, should be used to solve problems and not create bigger ones. If we feel quite out of control, just simply walk-away from the situation temporarily, do some physical activities or simply walk until we managed to control our emotions.

Mastering the art of anger management takes a lot of work, but the more we practice, the easier it will get.

And the payoff can be huge.

Really.

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Cover Story

Run Well FINISH STRONG!!!

An excerpt from Ptr. Bong Saquing’s talk during the 2013 Leadership Retreat

By Gellie Anne O. Abogado

L

IFE is a journey where intersections and traffics are common. Each one of us drives our own life. And like a pro-driver we must follow some rules to get to our destination safe and sound and strong. Now if you will notice there is always this universal principle we follow whether our journey is by foot or by car – we Stop, Look, Listen and Go. And in our journey, we need to take note of these principles because these signs will lead us in reaching our ultimate destination:

LEARN HOW TO STOP • Stop and take a rest. When You feel uneasy and burned out, it is God’s reminder that you need to give ourselves a break from all the earthly desires and ambitions we have and rest for once. Trust that God will provide and that even in our sleep, He will continuously work for our grace.

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• Stop pleasing people. Don’t lean on what other people want to hear but rather on what they need to hear. If you firmly believe that your opinion would be for the greater good then it’s about time you discuss it with the people concerned and be equally open from all the criticisms that may follow.

• Stop looking down on yourself. Never try to seek respect from other people because in the eyes of God you don’t need to seek for it. People will respect you because of your character and because Christ is with you.

LOOK • Look back. Elaborating on what God said, “forget what lies behind,” He wants you to clearly comprehend that you should forget your hurtful past but not the promise He has made.

• Look around. God has set

opportunities and all you have to do is to open your eyes and look around.

Remember when Elijah almost gave up because the people of Israel have broken their agreement with God? But God told Elijah to look around because there are still 7,000 people left in Israel who never bowed down before Baal.

• Look Forward. Be reminded that God has a bigger and better plan for you. You may be facing trials today, but God is the master of your life and He will never want you to end up defeated. He will guide you all throughout your journey.

LISTEN • Listen to what God is telling you. God is saying He loves you and He wants you to listen and meditate in His words in order to understand His message and His plan for you.

• Listen to yourself. The bible said that death and life are in the power of your tongue.

That is why you should stop complaining about things for you will never develop the appreciation over it and you will end up feeling miserable.

GO • Go after God. That is His ultimate instruction.

Have a willing heart to do His desires because He is the only one who can orchestrate your future. If you desire to have a good life, career, family life, go after the will of the Lord and everything will be okay.

FINISHING WELL Finishing well is not something we can accomplish just by accident. There is a definite finish line. We will never know the exact date and time, but there is. When that time comes, how do we want to be

MASAYA dito sa KMBI !!!

remembered? What do we want to leave behind? The bible gave us a few pointers on how we can leave the life God has set and prepared for us so we can exit well and finish strong: Live completely used up. In everything you do, do it with all your heart; if you want to worship the Lord, don’t be ashamed to do so. Give it all you’ve got. Remember 2Timothy 4:6, “For I am already being poured out like a drink offering, and the time for my departure is near.” It is not about physical death but more of doing the will of God until it consumes us.

Live with no regrets. Most people regret the things they failed to do rather than the things they’ve done. But you know what’s worse? It is when you hear His word and yet you chose not to take the path He has set for you. You missed the opportunity and you may never be at peace with yourself and with your life.

Live a disciplined life. Just look at Paul and how he fought the good fight. He gave no cause for offense of anything so that the ministry will not be discredited. Just look at his words – his mind is always in the ministry. Paul, literally, gave it all and became a servant of God. He did not complain and he just followed what the Lord tells him to do.

We all need to understand that God desires for us to finish strong and have a fruitful life.

Remember what God said in John 15:16? “You did not choose me, but I choose you so that you might go and bear fruit.” And because it is already God’s desire, all we need to do is ask Him for it. It is not for you to decide on how you want things to be; but only through God’s gift of wisdom and guidance would you be able to find.

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

| 15

Leaders’ Edge

Bakit Pobre si Juan?

S

weldo na! Pero bakit parang hindi mo pa man nahahawakan ang iyong kinita ay tila ba may connecting flight schedule na ito patungo sa ibang mga palad at tanging pay slip na lang ang natitirang ebidensya na ikaw nga ay sumusweldo. Juan, anyare nga ba?

Kung hindi ka nalalalayo sa kwento ni Juan, baka dapat itanong mo na sa iyong sarili, saan ba ako nagkamali o ano ba ang mga bagay na hindi ko nagawa? Halika at isa-isahin natin ang mga kadalasang dahilan nating mga Pinoy kung bakit nga ba hindi tayo umase-asenso sa buhay.

One Day Millionaire ang Peg

“Payday naman, kain tayo sa labas!,” “Sweldo naman, bibili ako ng bagong damit ngayon!”

Nakarelate ka ‘no? Hindi naman masama na paminsan-minsan ay bigyan ng “reward” ang ating mga sarili. Pero ang tanong, naibudget mo na ba ang pera mo at naitabi na ang para sa iyong savings o saka mo pa lamang ito gagawin matapos mong i-enjoy ang araw na ito?

Naku, kung ang sagot mo ay iyong pangalawa, hindi kataka-taka kung wala ka pa ring ipon gaya ng pobreng si Juan. Palaging tandaan na magbudget. Iwasan ang pagiging impulsive buyer o ang pagbili ng mga bagay na hindi mo naman kaagad kailangan.

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Hindi Pagpapahalaga sa Piso

Uy, sale! Sige na, bilhin mo na, piso lang naman eh.

Ito pa ang isang madalas nating marinig kay Juan sa tuwing may maiibigan siyang bilhin. Piso lang naman, kaya ba okay lang gastusin? Hindi sa pagiging pilosopo pero ika nga nila hindi mabubuo ang milyon kung wala ang “Piso lang naman.” Kaya pahalagahan ang bawat pisong lumalabas sa inyong bulsa. Huwag padadala sa sale, hindi dahil naka 50% off ay naka-save ka na, dahil ang suma-tutal ay gumastos ka pa rin.

Palaging itanong sa sarili kailangan ko na ba ito ngayon? Bakit ko kailangan ito? Hindi pwedeng ang sagot ay basta “gusto ko lang.” Dapat parating may dahilan.

Nakakaligtaang Magtabi Kamusta ang savings mo? Kung kamot sa ulo at ngiti ang isasagot mo sa tanong na ito, ay alam

mo na kung bakit pobre si Juan. Irarason mo, nakalimutan ko eh o bata pa naman ako saka na iyang savings. Kailan pa? Kapag nandyan na ang kagipitan? Tandaan na matinding disiplina ang kailangan para rito. Dahil sa oras na magalaw mo ang savings mo ay siguradong masasanay kang hindi mag-ipon. At sa huli wala ka nang naitabi.

Ang saklap ‘di ba?

Bahala na si Batman

Isa ito sa mga katangian ni Juan na hindi maganda kung ang pinag-uusapan ay financial security. Parang sinasabi na, “hindi ko alam ang gagawin ko para yumaman. Bahala na kung anong mangyari!” O baka naman tinatamad kang gawan ng paraan ang kasalukuyan mong financial state, teka o baka naman umaasa ka na lang na baka maka-one time big time ka? Kung ganyan ka mag-isip, aba’y good luck na lang sa’yo. Hindi aksidente ang pagyaman. At kung wala kang savings, lalong hindi ka kayang sagutin ni Batman.

Feeling Loser Ang kadalasang pinag-uugatan nga nito ay ang

MASAYA dito sa KMBI !!!

kawalan natin ng tiwala sa ating sarili at pag-asang aangat pa ang ating buhay.

Ang ilan nga sa atin ay iniisip na dahil ipinanganak silang mahirap, mahirap na forever. Totoo ngang lahat ay nangangarap na maging mayaman ngunit hindi lahat ay naniniwalang kaya nilang maging mayaman. Dapat na magtiwala tayo sa ating kakayanan na kaya tayong iangat nito sa kung ano man ang katayuan natin ngayon; kung hindi tayo magtitiwala sa ating sarili, forever na lang talaga tayong talunan.

Sa totoo lang, hindi madali ang magpayaman, pero hindi rin ito imposible. Gawin ito sa tamang paraan, hindi ang araw-araw na pagtaya sa lotto, at sa tamang hangarin, hindi upang mapabilang sa alta sosyedad at makipag party-party sa mga mayayaman. Break your bad habits at siguraduhing magpapayaman ka dahil nais mong maging maayos ang buhay ng iyong pamilya at sa huli ay makatulong din sa mga nangangarap na yumaman.

Oh ready ka na, Juan?

Mga sanggunian: http://moneygizmo.net/why-most-filipinos-do-notget-rich/ http://cbnasia.org/home/2013/04/piso-yan-principle/ http://www.pinoysmartsavers.com/kmpstep01.pdf

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Feature Story Tips

D

ealing with the ups and downs can be exhausting. It is easy to let disappointments and minor set-backs take on a life of their own, and find yourself in a world of hurt. Disappointments can be quite painful, regardless of their magnitude. If you’re ambitious, you’ve suffered disappointments along with success. However, as what Booker T. Washington quoted, “I have learned that success is to be measured not so much by the position that one has reached in life as by the obstacles which he has overcome while trying to succeed.”

Are you facing disappointments? Let us be reminded of the following: 1. Adjust our expectations to God’s agenda. Not everyone gets to the top of the corporate ladder or win the Super Bowl or Olympic gold. Not every applicant gets the job.

Illness happens. Not every marriage soars. It might make sense not to set your goals so high. But who wants to settle for 18 |

Communi-K • vol. 10 no.3

mediocrity? God wants you to thrive so you can lead a positive life in a negative world. But people tend to be creatures of habit. We often gravitate toward what is safe, not necessarily what is good.

Or we settle for mediocre rather than pursue what is best.

To flourish in all areas of our life, we have to be faithful not successful.

The Lord will satisfy the heart that is hungry for Him and His will. Thus, we must evaluate ourselves and develop a greater dependency on Him. Let us aim to see our life as the Father sees it, and then we are to act on what He guides us to do.

2. Learn from our defeats.

Disappointment and failure build character and patience, when allowed to do so. They can teach us to win and lose with grace, an increasingly lost art these days. Romans 5:3-4 says: “We can rejoice, too, when we run into problems and trials, for we know that

they are good for us—they help us learn to endure.

And endurance develops strength of character . . .”

Teenage Hawaiian surfer Bethany Hamilton lost her left arm to a 1,500-pound shark. Her upbeat response startled observers. “This was God’s plan for my life,” says Hamilton, “and I’m going to go with it.”

Three months after the mishap, she was back, surfing competitively—she used her tragedy as an opportunity to inspire others with God’s care.

3. Build friendships. God often minister our hurts through other people. It can be tempting to put up walls especially when we’re vulnerable, but if we shut out friends, we could be sealing off healing and hope. During a particularly challenging time in my life, I was very glad to have close friends. Staying away from my family and relatives when illness struck me developed my trust to completely depend on my Shepherd and truly

Facing Disappointments

By Connie B. Parantar

God is for us, who can ever be against us? Since God did not spare even his own Son but gave him up for us all, won’t God, who gave us Christ, also give us everything else?” (Romans 8:31-32) The more we stake our security in God’s love, the less power disappointments will have to undermine our hope.

could seem—we only have to read his letters to know that.

He wrote, “Therefore we do not lose heart. Though outwardly we are wasting away, yet inwardly we are being renewed day by day. For our light and momentary troubles are achieving for us an eternal glory that far outweighs them all. So we fix our eyes not on what is seen, but on what is unseen. For what is seen is temporary, 4. Go deeper with God’s plans are always bigger than we but what is unseen God. Friends are think. The sting of our relatively short-term is eternal” ( 2 essential, but humans can let disappointments in no way compares to the Corinthians 4:16-18).

God’s plans are us down and ultimate hope we have in Him. always bigger than err in judgment. we think. The sting I had earlier of our relatively short-term discovered that God 5. Focus on ultimate hope. disappointments in no way would never desert me.

During that dark time in my compares to the ultimate hope He said, “I will never fail life, my mentor reminded we have in Him. you. I will never forsake me of what Paul said in you” ( Hebrews 13:5). His this same letter: “God First Peter 1:13 counsels, friendship had sustained causes everything to work “Prepare your minds for action; me over the years amidst together for the good of be self-controlled; set your criticism, financial those who love God” (v. hope fully on the grace to be challenges, educational 28). That “hasn’t been given you when Jesus Christ is disappointment, and repealed yet,” my friend revealed.” In other words, God broken relationships. God said. He was right. offers compassion, forgiveness, had a good track record; it and strength to those who made sense to trust Him. While we sometimes get it trust Him. Relationship with stuck on our present situation, Him gives us the great hope Paul found strength and that empowers us to face any hope through his friendship isn’t the end of the story. Paul knew how disappointing life disappointment. with God. He wrote, “If I can say it was so sweet to know that the Lord is my Shepherd, I lack nothing (Psalm 23:1). During my recuperation, God did not fail to send friends to comfort me and help me with the household chores.

Knowing that my friends were there—and that they cared—gave me strength and hope.

MASAYA dito sa KMBI !!!

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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Tips

Stressed?

Well, in all honesty, who isn’t?

Wherever we are or whatever our work entails us to do, stress would creepily sneak in and bother us the whole time! For some, stress actually pushes them to be better but it’s not always the case. Sometimes, we experience burnout and we need to pause for awhile, take a break or maybe… Have a little bit of fun at work!

Masaya Dito sa KMBI! Yes, that is what KMBI wants us to experience, feel and share to everyone. There should be a time to relax, laugh, play and have fun at work every once in awhile. It’s not a crime. As a matter of fact according to a research done

by Professor John P. Trougakos of the University of Toronto Scarborough and the Rotman School for Management,mental concentration is just like working out the muscles.

Occasional breaks are needed to fully utilize the mental power!

So how do you shake off stress out of your system?

Break into a joke every once in awhile. Yes, the first tip may sound a bit silly but seriously, this can help. Make your office a fun, light and enjoyable place to work at. Everyone’s looking oh-so-serious and stressed while working? Throw in an unexpected joke. You’ll see how those frowns will turn into smiles and how they can all switch back to work mode with such enthusiasm. Plus, for those who feel the haunting zzz’s every afternoon, this technique actually does magic!

Do a mentally stimulating activity. If you’re plainly bored, brain dead or you’re just so sick and tired of whatever it is you’re currently doing (let’s admit it, it happens every once in awhile), go grab a pen and start doodling. Or you may also want to play Candy Crush for a while but not too long, ok?

This activity not only relaxes your mind but it actually stimulates your brain too!

Wanna try?

Start a conversation with an officemate. “Hey, how was your weekend?” Your officemate may find it weird that you’re actually asking

Reference/s: http://under30ceo.com/why-goofing-off-just-got-serious/ 20 |

Communi-K • vol. 10 no.3

this but eventually, you’ll find yourself enjoying the conversation while working.

Plus, this kind of conversation stimulates the mind to be more productive and it is proven to bring in really brilliant ideas.

Give out random fun awards and prizes. Wouldn’t it be a fun if every week or month, you can try having a themed contest like, perhaps, the best dressed for the week or the funniest and friendliest for the whole month? Such silly-sounding things can actually lighten up things a bit at work and these will create a friendlier and a more welcoming environment even for the newly hired staff.

So are you still eating your daily dose of stress? Yes c’mon, admit it! But do you have a choice not to be stressed?

Of course, yes! Remember, it is the people that make the workplace stressful and not the other way around. So just goof around. Find a piece of joy in your heart and rub them off to others. You’ll see, relationships will be better and you might actually find yourself enjoying your workplace.

Tips

Smile ka din, ‘pag may time Ni Jeff T. Ng

M

aniniwala ka ba kung sasabihin ko sa iyo na Happiness is a choice? Sa totoo lang, maaari tayong maging masaya anuman ang ating kasarian, laki, sukat at estado sa buhay. Naiiba na lang ito sa depinisyon natin ng pagiging masaya.

Para sa iba, ang kasiyahan ay nakukuha mula sa makapal na bulsa, magandang pangangatawan o pagkakaroon ng special someone sa buhay. Ang babaw di ba? Paano na lang kung wala ka ng lahat ng ito? Ibig bang sabihin wala ka ng karapatan maging happy?

Kung ito na ang nakikita nating batayan ng kaligayahan sa mundo ay mag-isip ka muna.

Narito ang ilang bagay na maaari mong i-consider upang ang buhay ay maging truly happy: 1. Palayain ang sarili mula sa galit. Move on! Kalimutan na ang nakaraan at mga bagay na nagbibigay ng hurt feelings sa iyo. Matutong magpatawad at magdasal at hingin ang tulong ng Panginoon upang alisin ang galit sa iyong puso. Ayon sa Awit 94:19, “Sa karamihan ng aking mga pagiisip sa loob ko ang iyong mga pagaliw ay nagbibigay lugod sa aking kaluluwa.” Dahil sa tulong lamang ng Panginoon tayo tunay na magiging malaya sa anumang galit na ating nararamdaman.

2. Tigilan ang sobrang pagaalala. I-enjoy ang bawat sandali ng iyong buhay.

Huwag magpaka-stress sa

MASAYA dito sa KMBI !!!

pag-iisip at iwasang maging paranoid. Tama lang na marunong kang magplano subalit huwag mong hayaang kontrolin nito ang buhay mo. Magkaroon ng grateful heart dahil sa mga biyayang natatanggap mo sa araw-araw.

3. Mamuhay ng simple.

Importante ang pera, it makes the world go round ika nga. Pero dapat alam mo rin na ang paghahangad ng anumang sobra ay masama.

Kaya huwag nang magpastress kung sakali mang hindi makasunod sa uso dahil hindi naman ito talaga ang sukatan ng estado sa buhay.

4. Maging blessing sa iba.

Hindi ba sabi nga, “it’s better to give than to receive?”

Hindi ba’t napakasarap ng feeling kapag tayo ay nagbabahagi ng ating blessings. Hindi naman kailangang magpa-burger

araw-araw, maraming bagay ang pwede mong ibahagi sa iba kagaya na lamang ng pagtulong at pakikiramay sa nangangailangan o kaya naman ay ang pagbibigay mo ng oras para makinig.

Magugulat ka na sa mga simpleng bagay lamang ay makakapagpasaya ka ng iba.

5. Bawasan ang Expectation.

Sa pagkakaroon ng mataas na expectation madalas nagmumula ang pagkadepress at pagkalungkot. Huwag padala sa emosyon ng dahil lamang sa hindi nagustuhan ng iba ang iyong pinaghirapan o kung nakagawa man ng pagkakamali. Dapat pa ay maging motibasyon ito upang itama ang pagkakamali o magsumikap pa upang mas mapaunlad pa ang iyong sarili.

Kaya kaibigan, tandaan na choice mo kung paano ka magiging happy sa buhay.

Kung ang maliliit na bagay ay haharapin mo na tila ba pabigat, naku, hindi magtatagal ay nanakawin nito ang iyong kasiyahan.

O, paano? Smile, smile din, ‘pag may time, ha!

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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MF Index

Present sa Sentro Ni: Rhany P. Barrera

Bahagi na ng programa ng KMBI ang pagsasagawa ng center meeting kada linggo para sa mga program members nito. Ngunit nakakalungkot lang isipin na kahit pa nga kasing tanda na ng ating programa ang pagpapatupad ng center meeting, marami pa rin ang hindi ito naipapatupad ng maayos sa kanilang sentro; sa katunayan pa nga ay may ibang iniisip na ang pagkakaroon ng center meeting ay isang disadvantage; gayong ang center meeting ay nakadisenyo sa kanyang halaga at makikita lamang ang magandang bunga nito kung maisasakatuparan natin ang mga layon nito. Isa marahil sa mga rason kung bakit mayroong mga taong hindi nais ang pagkakaroon ng center meeting ay dahil hindi nila lubusang naiintindihan ang kahalagahan nito.

Ang sentro ay lugar upang maimpluwensyahan natin ang mga miyembro. Isa sa mga adhikain ng ating programa ay ang mabigyan ng pagkakataon ang mga miyembro ng sentro na matutunan at mapaalalahanan sa wastong Kristiyanong pag-uugali; ngunit ito ay mangyayari lamang kung patuloy natin silang huhubugin 22 |

Communi-K • vol. 10 no.3

na magkaroon ng “Christian entrepreneur” values. Ang bawat sentro ay nakadisenyo upang makapagbigay aral sa miyembro; at kung wala nito, para lamang tayong isang ordinaryong lending company.

Kung patuloy nating isusulong ang layuning ito darating ang panahong magiging proud tayo sa ating mga miyembro na kahit pa nga umalis na sila o

rin ito upang magabayan at mas ma-empower natin ang mga lider sa sentro nang sa gayon, hindi lamang ang kanilang pinansyal na katayuan ang ating natutulungan kung hindi pati na rin ang paglinang sa kanilang skills as a leader.

Tandaan na sa pamamagitan ng center meeting, mas maayos mong maibabahagi ang tunay na layunin ng organisasyon

ij

“patuloy natin silang huhubugin na magkaroon ng “Christian entrepreneur” values.” ij grumadweyt sa ating programa, alam nating bitbit nila ang mga values na naibahagi natin sa kanilang buhay.

sa mga miyembro at gayon din naman, magkakaroon ka ng pagkakataong marinig ang kanilang mga saloobin.

Ang sentro ay lugar upang mapadali ang lahat ng gawain.

Nabibigyan ng pagkakataon ang mga miyembro tuwing center meeting na mapag-usapan ang mga importanteng isyu sa sentro na makatutulong upang maging maayos at matiwasay, hindi lang ang kanilang samahan kung hindi pati na rin ang kanilang lingguhang responsibilidad sa sentro o sa organisasyon. Nakatutulong

Ang sentro ay lugar para sa mentoring. Sinasabi nga na upang maabot natin ang ating mga pangarap, kinakailangan ng bawat isa sa atin ng mentor kaya naman bilang mga program assistants at branch officer, tungkulin nating maging mentor sa ating mga miyembro upang magabayan sila sa iba’t-ibang aspeto ng kanilang buhay. Ito ang dahilan kung bakit kinakailangang gumawa

ng mga center officers ng topic na kanilang tatalakayin bawat center meeting upang matalakay ang mga bagay na maaaring makapagpalago sa mga miyembro maging ito man ay para sa kanilang negosyo, ispiritwal na pamumuhay o paghubog ng kanilang values.

Ang sentro ay lugar upang makipag-socialize. Sa pagkakaroon ng center meeting, mas naipapahayag at mas nakakapag-interact ang mga miyembro ukol sa kanilang iba’t ibang ideya at pananaw sa mga bagay na maaaring makatulong sa kanilang mga kasama sa sentro. Sinasabi ngang likas na social beings tayong mga tao kaya naman ang lingguhang center meeting ay isang paraan upang maramdaman ng mga miyembro na mayroong isang grupo na handang tumanggap, makinig at makapagbigay ng payo sa kanila. Ito ay nakakapag-boost din ng kanilang self-confidence dahil natututo silang magsalita sa harap ng ibang tao na dapat ngang i-develop ng isang entrepreneur. Personally, marami na akong nasaksihang pagbabago sa ating mga miyembro na noon ay mga

MASAYA dito sa KMBI !!!

simpleng microentrepreneur lamang ngunit ngayon ay naglelead na ng mga tao with full confidence.

Ang sentro ay lugar upang magsaya. Karamihan sa ating mga miyembro ay wala nang oras para sa kanilang sarili lalo na’t mga nanay na sila na bukod pa sa pag-manage ng kanilang mga munting negosyo ay kinakailangan pa ring asikasuhin ang kanilang pamilya at mga gawain sa bahay. Ang isang magaling na program assistant ay nararamdaman ang pangangailangang ito ng mga miyembro kaya naman makakagawa siya ng mga activities sa sentro na makapagbibigay aliw at makatutulong upang marecharge ang kanyang mga miyembro sa sentro.

Ang sentro ay lugar para makapag-evaluate. Dapat maintindihan ng isang program assistant na mahalagang makumusta niya ang kanyang

mga miyembro kada linggo upang malaman ang kalagayan nila at ng kanilang negosyo.

Isa sa mga nagiging problema ng sentro ay ang hindi pagkakakumpleto ng bayarin at ang kadalasan ngang hindi nakababayad ay ang mga miyembrong hindi gaanong nagpapakita sa sentro. Kaya kung mapansin mong madalas na mawala sa center meeting ang miyembro, kamustahin siya upang malaman kung may problema ba ito dahil ang buong sentro ang maaapektuhan kahit isa lamang ang hindi makabayad.

Ang center meeting ay ang maituturing nating backbone ng transformational program ng KMBI; at ang attendance ng mga miyembro sa sentro ay ang nagsisilbing salamin upang makita natin kung naisasakatuparan ba natin ang impact na nais nating magawa sa mga komunidad na kinasasakupan ng organisasyon.

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

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ENTREP 101

Art of

Persuasion Understanding the

MAGINE having the power to influence people, to create changes and to improve lives based on how you perceive things to be. It may all sound too surreal but it is possible. Have you

heard the word “Persuasion?” Persuasion is a skill that helps you move people to lean more to what you believe in.

Now, are you doing it right? If not, there are FOUR essential steps on how you can start practicing your persuasion skills effectively:

Be Credible.

In building your credibility, it is important to basically know what you are talking about. Educate yourself continuously. As change is inevitable, it is also vital that you are up to date with things concerning your business or industry. Work hard and show your clients that you are, indeed, passionate with what you are doing and that you deserve their trust.

Be Irresistible.

Exude confidence and show the clients that you deserve their YES. You are the expert in the field so make sure that you can manifest that through your words and actions. They already know you are credible in the business, so all you need to do is further prove that.

Credibility could come from word of mouth; but having seen it first-hand, will nail the deal down.

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Communi-K • vol. 10 no.3

Be Connected.

Be Empathic.

Get to know your clients. Find out what they need and know your common grounds so that you will be able to establish what you can offer them in response to what you both need- your sales quota and the solution to their problem at hand. Remember that when you persuade it must be a winwin situation for both of you; otherwise, you are practicing the skill the wrong way.

Learn to REALLY listen to your clients. Hearing is different from listening – keep that in mind. When you listen, you start to understand what they mean and what they feel. Through that, you will be able to connect with your clients emotionally. You will also have a more desirable appeal to the clients and this can help you with getting their approval.

PERSUASION is a skill that you need to practice, improve on and use with good motives. It can sometimes be associated with corrupted thoughts like comparing it to deceiving people; but it is not. If exercised constructively, persuasion can actually be more than just a selling tool. Real and effective persuasion can actually be a negotiating and learning process leading to a problem’s shared solution from both parties and not just from an individual’s opinion.

Resource/s: http://hbr.org/1998/05/the-necessary-art-of-persuasion/ar/1 http://hbr.org/2001/10/harnessing-the-science-of-persuasion/ar/1 http://www.thepoised.com/how-to-build-credibility/

Masaya Dito sa KMBI!!!

Corner

I

am an

of CHANGE

AGENT

By: Conrado Benitez, KMBI Dagupan Program Assistant

H

olistic transformation – that is the ultimate goal of the organization and is carried out by every Program Assistant. If that’s not enough, we still have to adjust to the different attitudes of our program members, the emotional impact of being away from our family and adapting to a new environment when we would be assigned to a new area, which is sometimes far from where we originally live. And although it may look like it is all blues for me, I can also say that I’m exhilarated with these challenges. Imagine being able to travel to different places and transform the lives of people – now that’s something!

But at that time, all I wanted was to have a stable job and even though being a Program Assistant is not directly connected with my college degree and licensed profession, I took the job because come to think of it, a lot of people are having a difficult time looking for a good paying and secured job; but alas! Here I am with that kind of offer so how can I turn this down?

One of the most memorable areas assigned to me was DAG-A438 at Brgy. Buenlag, Mangaldan in Pangasinan. My first encounter with them, however, was awkward. It was not easy for me to adjust to their environment and transformation isn’t a one-day When I started out in KMBI, I thing job! A month after, I honestly have no idea what I finally came to the conclusion was getting myself into. I am that this job is not about a registered nurse, anyway. convenience, glamour and prestige. It’s not even just about I am here to be a KMBI the amount Program Assistant – to be an of money I’m getting paid. agent of change!

MASAYA MASAYA dito sa KMBI !!! dito sa KMBI !!!

Being a Program Assistant is about dedication, patience and genuine love and concern to your Program Members; and when we signed that contract with KMBI, we all decided to embrace it.

In April 2012, we organized a tree planting activity in Buenlag, Mangaldan. Every program member participated actively and was very enthusiastic with the idea that they’re doing something to help the environment. Seeing them all having fun I suddenly blurted, “Sana ang ating samahan maging ‘sing tatag ng punong Narra na itatanim natin.”

Now, whenever I would go to the centers, especially at Ma’am Amansec’s residence (DAG-A438 Center President), for the center meeting, I am more confident that I do know now what I am here for. I am here to be a KMBI Program Assistant – to be an agent of change!

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

| 25

Feature Story

“

Naramdaman ko yung pagkilos ng Diyos sa buhay namin, hindi pala talaga ibibigay sayo ng Diyos ang isang problemang hindi mo kakayanin.

”

L

aki sa hirap. Ito ang paglalarawan na ibinigay ni Russel Amoranto, EDO Assistant II, para sa kaniyang sarili. Sa hirap ng buhay ay kinailangang pagkasyahin ng kaniyang mga magulang ang maliit na kinikita para sa pagaaral nilang magkakapatid.

Tandang-tanda pa niya kung paanong mas piniling pagtapusin ng kaniyang mga magulang ng pag-aaral ang isang kapatid dahil sa ito ay di hamak na mas matalino sa lahat. Kaya naman mas pinili na lamang ni Russel na kumuha ng auto-mechanic training upang mabilis makatulong sa mga magulang.

Hindi naman nabigo si Russel dahil matapos ang dalawang taong training ay natanggap siya bilang mekaniko sa Mitsubishi. Laking tuwa nito ng matanggap ang kaniyang kauna-unahang sweldo at makapag-uwi ng isang sakong bigas para sa pamilya.

Taong 1997, isa si Russel sa milyong kataong nawalan ng trabaho dahil sa krisis. “Pinasok ko po kung ano man yung makikita kong trabaho na kaya ko, naging promodiser po ako, rider sa fastfood, factory worker, tricycle driver,” Ani Russel.

Lumipas ang ilang taon ay nakilala niya si Analiza na isa ring factory worker. Di nagtagal, sila ay nagsama bilang mag-asawa at biniyayaan ng isang anak.

26 | Communi-K • vol. 10 no.3

Isang Milyong

Pag-asa Ni Lea J. Gatpandan-Domingo

Panibagong yugto ng buhay para kay Russel ang pagkakaroon ng pamilya. Pero ni sa hinagap ay hindi niya akalaing may mas malaking pagsubok pa siyang kakaharapin. Ipinanganak ang kanilang panganay na may butas sa puso. “Sinabihan po kami ng doktor na kailangan po niyang maoperahan sa puso, at kakailanganin daw ng isang milyon para magawa ito, sabi ko Diyos ko napakabata pa ng anak ko, paano niya kakayanin ang operasyon,” kwento ni Russel.

Dahil sa salat sa pera ay hindi na nila nagawang paoperahan ang bata. “Tumigil na rin po sa pagtatrabaho ang asawa ko para masubaybayan at maalagaang mabuti ang bata,” ika ni Russel. Kaya naman mag-isang itinaguyod ni Russel ang pamilya. Pinagkakasya ang maliit na kita mula sa pagtulong-tulong sa isang school service ng kanilang kamag-anak. Batid ni Russel na hindi sapat ang kinikita kaya naman ng makita niya na hiring ang KMBI ay agad siyang sumubok. Taong 2007 ay nakapasok na si Russel bilang utility/messenger sa KMBI. “Laking pasalamat ko po noong maregular ako kasi mahirap po talaga makahanap ng trabaho,” masayang wika ni Russel. Ayon sa kaniya ay napakalaking tulong sa kanilang pamilya ang pagkakaroon niya ng regular na trabaho.

Bukod sa naibibigay niya

MASAYA dito sa KMBI !!! dito sa KMBI !!!

ang pangangailangan ng pamilya ay nagagawa na rin niyang unti-unting mag-ipon.

Dahil na rin sa ipinapakitang pagmamahal at dedikasyon ni Russel sa kaniyang trabaho, siya ay napromote bilang EDO Assistant. Habang ang kaniyang anak ay patuloy na namuhay ng normal at nakapag-aaral sa pribadong paaralan.

Noong 2011, napansin ng mag-asawang unti-unting nawawalan ng ganang kumain ang kanilang anak, parating pagod at masakit ang ulo.

Matapos ang pasko, December 26, ay isinugod na sa ospital ang kanilang anak. Ayon sa doctor, nagkaroon ng brain infection ang bata. Naging bedridden ito at kinailangan ng agarang operasyon sa ulo.

Hindi man isang milyon ay malaki rin ang kakailanganin ni Russel para sa operasyon.

Lalong nalugmok si Russel ng makitang hindi sapat ang kaniyang ipon upang operahan ang kaniyang anak. “Nasabi ko talaga, Panginoon, bakit kami pa?. Akala ko talaga, wala na, kukunin na sa amin ang anak ko,” naluluhang kwento ni Russel. Laking gulat na lamang niya nang dumating ang tulong mula sa iba’t-ibang tao na bagama’t hindi niya hiningian ng tulong ay kusang nagpaabot ng tulong sa kaniya.

“Nagulat na lang ako biglang may magtetext, tinatanong account number ko, may

mga nagbigay ng pera para makatulong sa operasyon,” aniya. Sa suportang pinansyal at espiritwal mula sa mga kaibigan at katrabaho ay nagawang makalabas ng ospital ang bata matapos ang tatlong buwan. “Naramdaman ko yung pagkilos ng Diyos sa buhay namin, hindi pala talaga ibibigay sayo ng Diyos ang isang problemang hindi mo kakayanin,” patotoo pa ni Russel. Sa kasalukuyan ay walong taon na ang kaniyang anak, bagaman naroon pa rin ang butas sa puso ay patuloy pa rin itong namumuhay bilang isang normal at masayang bata.

Isang milyon…isang malaking halagang pinapangarap ng ilan upang matamasa ang masarap na buhay, pero para kay Russel ito ay pandugtong ng buhay ng kaniyang mahal na anak. Hindi man niya nabuo ang isang milyon ay nadugtungan pa rin ang buhay ng kaniyang anak dahil sa kaniyang pananalig sa Panginoon.

1 Corinthians 10:13 No trial has overtaken you that is not faced by others.

And God is faithful: He will not let you be tried beyond what you are able to bear, but with the trial will also provide a way out so that you may be able to endure it. - NET

“Start Right, Run Well, Finish Strong” (Philippians 3:12-14)

| 27

Organizational Performance

Efficiency*

Indicators* Loan Activity

3rd Quarter 2013

Cost per Unit Lent**

Php0.14

Cost per Loan Made**

Php1,276.37

Financial Self-Sufficiency

134.14%

Client Outreach

222,508

Loan Portfolio

Php840.97M

Value of Loans Made

Php2.130B

Ave. No. of Client per PA

258

MF Operations

1,116

No. of Loans Made

236,605

Support Group

106

Operational Self-Sufficiency 140.44%

Number of Staff

*Group Loan Program **Peso-dollar conversion as of Sept. 30, 2013 – Php 43.35

Our Vision “To see people in communities live in abundance with strengthened faith in God and in right relationship with their fellowmen and the rest of creation”

Project Update

IT rolls out Client Profiling for KIIS

Our Mission “KMBI is a Christ-centered development organization, existing to help transform the lives of its clients by providing sustainable microfinance, training & demand driven non-financial services”

Jofel Gandeza, IT Manager, discussed the importance of the KIIS to the Operations.

As of September, the IT department rolled out the client profiling as part of the MF system modules to 66 KMBI branches nationwide.

According to Jofel P. Gandeza, OIC, IT department, the rollout serves as transition of client profiling from Data Migration template in excel format to the new system. “As of September 30, 2013, we have already migrated 90,000 active clients in the system.”

Core Values Respect Integrity Stewardship Commitment to the Poor Discipline Innovation Excellence

To date, area managers nationwide already received KIIS orientation from the IT department.

Tarlac Branch prepares for AMF KMBI, in partnership with PlaNet Finance Technical Advisory Services, Inc. (PFTAS) has been working hand in hand on financial innovations to serve low income farming households.

The technical working group, composed of representatives from R&D, Operations and EDS, conducted series of studies, training and workshops from August 2 to September 13, 2013 in Tarlac Branch. Among the critical activities conducted are Demand and Supply Study, AMF Product Development Workshop, and AMF Loan Administration Training.

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Communi-K • vol. 10 no.3

KMBI

Head Office: KMBI Bldg., 12 San Francisco St., Karuhatan, Valenzuela City Tel (02) 291.1484 to 86 l Fax (02) 292.2441 http://www.kmbi.org.ph