Mindanao Examiner Regional Newspaper May 8-14, 2017 by Mindanao Examiner Regional Newspaper

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U.S. President Donald Trump (Photo from Gizmodo.com) and Philippine President Rodrigo Duterte (King Rodriguez/Presidential Photo)

Duterte to revive barter trade

Commissioner Nicanor Faledon, of the Bureau of Customs, with Sulu Governor Toto Tan during his recent visit in the province on President Rodrigo Duterte’s instructions to discuss the revival of the barter trade in Sulu Archipelago. (Photo by Ahl-franzie Salinas)

ARMM

Eastern Mindanao

SULU – President Rodrigo Duterte made good his promise to Muslims in southern Philippines to revive barter trading with Malaysia, particularly in the Sulu Archipelago, in an effort to relive the long lost tradition and help hasten the economy in the area. Duterte has sent Commissioner Nicanor Faeldon, of the Bureau of Customs, to Sulu province

Western Mindanao

where he met with provincial leaders headed by Governor Toto Tan and representatives of various sectors to discuss the revival of the barter trade which had flourished for many centuries in the past. Among those that attended the meeting were municipal mayors, local traders and entrepreneurs and members of the Sulu Chinese Chambers of

Cebu

Commerce. Faeldon said he was instructed by Duterte to come here and discuss the barter trade with Malaysia and neighboring countries as well such as Indonesia. “Pag magkaisa sila, I will restore the barter trade sa Sulu. Kasi yung barter trade noon walang gulo,” Faeldon quoted Duterte as telling him. Continue on page 3

Manila

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May 8-14, 2017

TRUMP ENJOYS TALKING WITH DUTERTE: WHITE HOUSE PRESIDENT RODRIGO DUTERTE’S political critics, including human rights organizations opposed to his tough anti-drug campaign, continue launching tirades against the former Davao City mayor for his alleged brutal war on illegal drugs. But Duterte said he will continue his war to save the country and his people from the menace of illegal drugs and even U.S. President Donald Trump at one time praised the Filipino leader for his antidrug campaign. Just recently, Trump phoned Duterte and they spoke on various issues,

including nuclear threats posed by North Korea that also threatens regional security in South East Asia. Trump even invited Duterte to Washington. In a statement by the White House, it said Trump’s conversation with Duterte was very friendly and the American president enjoyed it and is looking forward to also visit Manila in November. “It was a very friendly conversation, in which the two leaders discussed the concerns of the Association of Southeast Asian Nations (ASEAN) regarding regional security, including the threat posed by North Korea.”

President Rodrigo Duterte (Photo by Michael Rey Baniquet)

“They also discussed the fact that the Philippine government is fighting very hard to rid its country of drugs, a scourge that affects many countries throughout the world. President Trump enjoyed the conversation and said that he is looking forward to visiting the Philippines in November to participate in the East Asia Summit and the U.S.ASEAN Summit. President Trump also invited President Duterte to the White House to discuss the importance of the United States-Philippines alliance, which is now heading in a very positive direction.”

According to a report by the NonProfit Quarterly, this was not their first exchange. Duterte called Trump to congratulate him on his election, and Duterte later claimed that Trump wished him success with his anti-drug campaign. Duterte has not yet officially accepted the invitation, citing a busy schedule. Trump has a commercial connection to the Philippines: His name is stamped on a $150 million, 57-floor tower in Manila, it said. Duterte hosted the recent ASEAN Summit in Manila. ( With a report from Malou Cablinda.)

Workers decry discrimination, unfair labor practises in Cotabato, Maguindanao COTABATO CITY – A labor group called Kilos Bayan has decried the inaction of the Department of Labor and Employment against erring establishments that continue to discriminate against Muslims and tribal people in Cotabato City in southern Philippines. Goldie Omelio, media liaison for the Kilos Bayan, said discrimination is still widespread here and added that they brought this to the attention of the government agency, but it failed to act on their complaints. Omelio said many establishments here and in Maguindanao province were also not paying their

employees the minimum wage as provided by law. Worst, many of these employees earn as little as P100 a day which is a far cry from the daily minimum wage of P295, while some working at groceries were being forced to buy commodities in the store and payments deducted from their salaries. Speaking over a radio program at dxMS Radyo Bida, Omelio said: “Maliban dito, marami ding mga non-agricultural establishment sa Cotabato City at Maguindanao ang hindi nagbibigay ng tamang pa sweldo na itinatakda ng Department

of Labor and Employment in Region 12. Nasa P295 kada araw ang minimum wage, nasa mahigit 100 lamang umano ang pasahod ang ilang mga establisimiyento na nasa Cotabato City. Malaking paglabag umano ito sa karapatan ng maraming mga manggagawa,” Omelio said. Dozens of Kilos Bayan members also held a sit down protest recently in Cotabato City to dramatize the plight of the workers. The Department of Labor and Employment is yet to issue a statement on the allegations of Kilos Bayan. (Rhoderick Beñez)

Members of the labor group Kilos Bayan protested alleged discrimination and unfair labor practices in Cotabato City and Maguindanao province in southern Philippines. (Mindanao Examiner Photo by Rhoderick Beñez)

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Duterte to revive barter trade Continued fr om page 1 from Tan also shared his memories with Faeldon during the recent meeting and said “during the glory days of trading with Malaysia, there was no outbreak of violence as it is now because everybody was busy with making a living and simply plying their trade. The only thing you need during those times was simply your credibility as a trader and trust,” he said. Or his part, Faeldon said the government is sincere in helping not only the local economy and reviving the old barter tradition, but also to ensure that people, especially the poor, will benefit from this. “The administration of President Duterte ay hindi nagdidikta kung ano ang gagawin ninyo, instead kayo ng magdikta sa amin kung ano ang gagawin namin and that is why we

are here. You are the experts in this kind of business,” he said. “Prepare a position paper kung paano umpisahan ulit ang barter trade sa Sulu and I personally will hand it over to President Duterte.” Tan said they will immediately prepare the papers and praised Duterte for his sincerity and pledges he made to the people of Sulu, and thanked Faeldon for his visit. Faeldon, a former Marine officer, said he once served in Sulu, particularly in the town of Kalinggalan Caluang, and reminisced those years when barter trading was still the main livelihood of the locals. “I really missed the Batik shirts from Indonesia and the chocolate-coated candies, the BATA sandal, Maling luncheon meat, processed canned goods

that I used to buy in barter trade centers for pasalubong every time I go home for rest and recreation,” Faeldon said. Locals also welcomed the revival of barter trading and thanked the government for its effort in bringing back the tradition which their ancestors began. “Yan ang hanap-buhay ng mga lolo at lola at tatay at nanay nila. Sabi ng nanay ko noon pa man uso na ang barter (trading) sa mga Intsik at tapos sa Malaysia at Indonesia,” said Abubakar Hussein, a local trader. Sulu was the center of trade in the past and had been exchanging goods with Chinese merchants. Barter trading with Malaysia stopped in 2016 following the spate of cross-border attacks by the Abu Sayyaf. (Ahl-franzie Salinas)

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Rebel attack in Davao City sparks ‘word war’

ARMM Governor Mujiv Hataman (center) turns over new construction equipment worth over P84 milliom to representatives of the five provinces of the region in Cotabato City. The equipment were received by eight district engineers of Maguindanao, Lanao del Sur, Basilan, Sulu, and Tawi-Tawi. The equipment include three pay-loaders, three road excavators, and two road rollers. Also in photo is Department of Public Works and Highways Secretary Don Loong (4th right). (Photo by Omar Mangorsi - ARMM Bureau of Public Information)

Koronadal City sumabak sa Guiness record challenge

DAVAO CITY – It’s a war of words and insults now between the New People’s Army and presidential daughter and current mayor of Davao City, Sara DuterteCarpio who branded the communist rebel group as “stupid and bumbling idiots” after calling her a “hypocrite”. The rebels recently attacked a factory of the Lapanday Foods Corporation owned by the wealthy Lorenzo family in Davao City and shot one of its security guards and wounded a civilian; and accused the company of land grabbing and exploitation of its workers. Carpio, who strongly condemned the attack, said it was an act of terrorism and a personal insult. Restituto Baguer, a spokesman for the “Pambangsang Katipunan ng mga Magbubukid” allied with the rebel group, accused Carpio of being a hypocrite, saying his husband, lawyer Mans Carpio works as a legal counsel for the Lapanday Foods Corporation. He also tagged the mayor as a spokesperson and defender for Lapanday Foods Corporation. “It is understandable that Davao City Mayor Sara Duterte (Carpio) views the May 29 NPA’s punitive action in the city as an “act of terrorism” against the Lorenzos, given that her husband, Atty. Mans Carpio, is a legal counsel of the Lorenzo-owned Lapanday Foods Corp. We can only expect that a GRP local chief executive who has vested interest in the companies of a land grabbing comprador-landlord to be the latter’s spokesperson and defender,” Baguer said. He added that Carpio was silent when armed men allegedly working for Lapanday Foods Corporation shot and wounded 9 farmers at a banana plantation last December in nearby Tagum City in Davao del Norte province. And even appointed Senior Superintendent Alexander Tagum, then the provincial police chief of North Cotabato as Davao City police chief despite his alleged human rights abuses. “Sara Duterte hardly made noise when Lapanday’s armed goons opened fire and wounded nine unarmed civilian peas-

ants three days after the latter’s land occupation of the land grabbed Lapanday banana plantation in Tagum City last December. Duterte also supported the appointment of Superintendent Alexander Tagum as Davao City Police Chief, the same fascist police officer who led the massacre of barricading El Niño victims in Kidapawan City in April last year,” Baguer said. “Thus, for Sara Duterte to claim the NPA’s assault in the Lorenzo-owned businesses in Davao City a “personal insult,” is not only hypocritical but downright self-serving. Nothing can be farther from the truth when she scored the NPA as a group that pretends to champion social justice and equality. For peasants around the region, the NPA’s series of raids in Lapanday’s plants in Mandug and Bunawan, and ranch in Pangyan, Calinan (also in Davao City) is a fitting retributive action by a true people’s army against a greedy feudal lord and capitalist,” he added. Inday S ar a rretaliates etaliates Sar ara Carpio, known for her feisty character, said she and husband are separate entities and do not discuss their jobs to each other, but are only committed to work for their own family. “My husband and I are separate entities. In fact, we do not discuss the job that we chose to do, we just commit to sincerely work and earn money for the benefit of our children,” she said. She also narrated how she rushed to the hospital to personally look at the situation of the wounded civilian, Larry, who is a fruit and fish vendor who fell victim to an NPA bomb explosion during the April 29 raid at Lapanday Foods Corporation. “So let me make you understand why I condemned what the New People’s Army have done. On or about 8 o’clock in the morning of April 29, 2017, I was standing in the middle of the trauma room of the Southern Philippines Medical Center praying that the civilian who was injured in the IED blast – courtesy of the terrorist NPA – will not die. Larry had no one with him so I was the one who had to read through

his text messages to look for a family member. I was the one who called his wife, broke the bad news, and asked her to come and stand by her husband’s side.” “One of his text messages spoke of his work as a simple laborer, who sells fruits and fish. The victim was the very person that you say should be defended from injustice. So when I condemned what the NPA did, I spoke for Larry. But you did not know that, did you? You just assumed when I say personal, it is all about my life. Because that is how you are. You are selfish individuals and you think the world is all about you. As Mayor tasked with the responsibility of the safety of civilians, the injury of Larry is my injury,” Carpio said. She further said the incidents in the cities of Kidapawan and Tagum were not her concern being the mayor of Davao City. But she admitted that she personally favored Tagum to be the chief of the local police force because of his tough stance against the NPA. “I personally made it happen that Senior Superintendent Alexander Tagum come in as Director of the Davao City Police Office, because he stood his ground against you. The so-called punitive action against the company was nothing but an action against peace, economic stability, and the security in Davao City. We now have 130 employees without work and Larry still in a coma. And yet the Lorenzos will still have money that you and I can only dream about in this lifetime. It did not even make a dent in their bank accounts.” “I maybe a hypocrite to you, but you are stupid to me and all the peace-loving Dabawenyos. Terrorists and fake organizations do not have the right to talk about social justice. Show me your faces and then maybe I will listen to your rant about social justice. Look, you cannot even spell the word ‘Pambansang’ correctly. Bumbling idiots,” Carpio said. The NPA, which is fighting for a separate state, is currently negotiating peace with the government. (Mindanao Examiner)

Mga nagsilahok sa Guinness record challenge sa Koronadal City sa South Cotabato province sa Mindanao. (NDBC Photo / Rhoderick Beñez) KORONADAL CITY – Mahigit sa 4,000 mga motorcycle riders ang nagtipon-tipon sa Koronadal City sa South Cotabato upang tangkain na mapasali sa Guinness Book of World Records na may pinakamaraming

nagpaandar ng motorsiklo. Postibo naman si Koronadal City Mayor Peter Miguel na kaya nilang lagpasan ang record ng Kawasaki sa Mall of Asia sa Maynila noon nakaraang taon. Ipaaalam umano ng

Guinness sa lalong madaling panahon kung magtatagumpay ang Koronadal. Nagpasalamat naman si Miguel sa mga sumali at nakidalo sa naturang event kamakilan lamang. (Rhoderick Beñez)

SUPPORT PEACE IN MINDANAO Child Labor. A boy works as a fare collector in Zamboanga City despite dangers pose by such job. (Mindanao Examiner Photo)

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Acr oss: cross: 1. Edge 4. Assists 8. Peruvian capital 12. Poem of praise 13. Fit of temper 14. Press 15. ___ constrictor 16. Firmly loyal 18. Birch or spruce 20. Thickly polulated 21. Mediate 25. Bench 26. Service charge 27. Intentions 31. Fit 32. Double curve 33. Spoiled child 34. Companions 35. Deteriorate 36. Pavarotti solo 37. Leaving 39. Cowboys' contest 43. Get together 44. Surpassed 47. NBC's rival 50. Surrealist painter Salvador ___ 51. Take care of 52. Typewriter key 53. She, in Toulouse 54. Picnic intruders 55. Naval officer (abbr.)

Answ er to last w eek osswor d: Answer week eek’’s cr crosswor ossword:

Do wn: Down: 1. Burglarize 2. Altar vow (2 wds.) 3. Spaghetti topping 4. Desirable quality 5. Butt in 6. Stamping tool 7. Train terminal (abbr.) 8. Existence 9. Tehran's country 10. Velvety growth 11. Chip in 17. President before JFK 19. Ceremonial events 21. Urgent abbr. 22. Songstress ___ McEntire 23. Fable author 24. Bible division 27. Ease up 28. Aggravate

29. Foremost 30. Deer 37. Speck 38. Tears apart 39. Took a bus 40. Face shape 41. Wooded valley 42. Famed canal 45. ___ loss (2 wds.) 46. Barbie's guy 48. Forbid 49. ABC rival

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TECH TIPS: Siri Tips And Tricks: Commands You Need To Know SIRI IS an old favorite in a now-crowded AI assistant market. Owners of the iPhone and other Apple devices are no doubt familiar with Siri already, but there's a lot it can do for you that you may not have heard about yet since new features are added all the time. In this article, we've gathered all the most useful Siri commands, from the basics to more advanced features. How to summon S ir Sir irii There are several ways to get the attention of your assistant. On your iPhone, once you have the option enabled, you can ask it questions and give her commands by starting off with, "Hey Siri." You can also press and hold the center button on Apple Earpods or double tap on one of your AirPods to activate Siri without having to say "Hey Siri." On a Mac computer, you can also click the Siri icon in the menu bar. It's always with you, even on Apple Watch, iPad and Apple TV. The basics Settings You can tell Siri to turn the following on or off: Wi-Fi, Bluetooth, wireless data, airplane mode, do not disturb mode and night shift. You can also make adjustments to the screen brightness or audio volume, by saying "turn volume/brightness up/down". You can even change the language and gender of Siri's voice. It's also nice to configure Siri to be able to pronounce your name and understand your relationships to people. To teach it how to say your name, just say "Learn to pronounce...". To teach it who your mother, brother and other important people in your life are, just say "My mom is Kathy Smith," and it will associate it with the existing contact. App-specific commands Siri works with native and some third-party apps. Just tell Siri to "Open..." then say the name of the app.With Siri, you can take a regular photo or selfie and then view the photos in the app of your choice, all without having to touch the screen or buttons. You can ask it to call you an Uber or Lyft, make payments to friends with Paypal and even search for design trends on Pinterest. Some of the features you'll use most, though, more likely involve messaging and calls, which we'll get to in the next section. Communication Sending calls and texts using Siri is easy, no matter which apps you prefer to use for it. To send a message via your preferred app, just say "Message John on WhatsApp 'See you later'," but swap out WhatsApp for Facebook Messenger, Skype,WeChat or others as you please. You can also "Call mom," or "Call mom on WhatsApp," or "Facetime Mom". You can also use Siri to tweet, check and send emails and check voicemail messages. Just use the following commands: "Tweet 'My vacation is going well because New York is the best city'." "Send email to Dennis about paying the bill and say

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'Have you paid the water bill this month?'." "Check email." "Read new messages." "Read new WhatsApp messages." "Do I have new voice mail?" "Play the voice mail from Scott." Stay organized Siri can help you keep on top of your daily tasks, reminders and meetings. You can tell it to remind you of things at specific times or when you arrive at a particular place, for example, "Remind me to feed the cat when I get home at 7 PM". If a reminder isn't what you need, you can also set a timer to jolt you in 15 minutes to check the food in the oven. You can also have Siri add things to an existing list in the Reminders app, by saying something like "Add lettuce to my grocery list". To keep you waking up on time for your busy day ahead, say "Wake me up at 5 AM," then tell it to "Turn off all alarms," once you're awake. To get an overview of your schedule for the day, ask "What appointments do I have today?". Schedule meetings efficiently by saying "Schedule a meeting with Jennifer at 4 PM today," and then cancel by saying "Cancel my 4 PM appointment". Search You can ask Siri to search for things both online and on your phone. Here are some commands and questions you can use to find out what you want to know: "Do I need an umbrella today?" "What is the weather like today?" "Show me photos from yesterday." "Find photos of Chicago." "What time is it in London, UK?" "What is Apple's stock price?" "How many ounces are in a pound?" "What is 18 percent of $40?" "What is the definition of elucubrate?" "What is trending onTwitter?" Enter tainment ntertainment Music You can use Siri to control music with your voice. Basic commands like play, pause, skip, next, stop and play previous song all work as you'd expect. To play a specific song, simply say "Play 'Can't Buy Me Love' by the Beatles" or try a broader selection with "Play top songs from 1964" or "Shuffle my Sixties playlist". To specify the next song to play, just say "After this, play 'A Hard Day's Night'," or "Play more like this," for similar. If you like what you're hearing, ask "What song is this?" to find out via Shazam, or tell Siri to buy it for you. Movies Siri can also help you with picking out a movie, too. Ask her "What is the synopsis of 'Guardians of the Galaxy Vol. 2'?" and then if you like the sound of it, ask if it is playing at a theater near you. Siri can fill you in on locations and upcoming showing times in your area. Sports With Siri, sports trivia and scores are always just a question away. Keep on top of the news for your favorite team or league with the fol-

lowing Siri sports commands: "Did the Yankees win?" "How did the Red Sox do last night?" "What was the score the last time the Yankees played the Boston Red Sox?" "What baseball games are on today?" "What are the college football rankings?" Random fun commands Are you bored? Try these fun commands: "Tell me a joke." "Knock knock." "Why did the chicken cross the road?" "What does the fox say?" "What is zero divided by zero?" "What planes flying are above me?" Be careful with any Siri tricks you hear about that involve a string of three numbers. Pranksters have been posting false tips on social media, suggesting that certain combinations of numbers will trigger cool features. But, actually, these numbers are commanding the phone to dial emergency services. Don't tell Siri to dial 911 or any of these other numbers which you may not know are emergency codes in other areas: 000, 108, 999, 110 or 112. On the go Navigation Siri can help you get exactly where you want to go without you having to lift a finger to navigate. Get directions to work by bike or public transport, find out how bad traffic will be on the way home by car and figure out your ETA in a snap. Just say "Find transit/driving/ walking directions to work/ other destination", "How do I get to In-N-Out Burger by bike?" or ask "What is my ETA?". When you're travelling long distances, you can also tell it to "Check flight status of US Airways Flight 1234". Recommendations When you're on the go, Siri can help you find things to do in your area. It can find gas stations that are open in the middle of the night, the nearest pharmacy or art museum, the best place to get a burger in Manhattan and even reserve a table for you. Smar martt home With Siri and HomeKit, you can control your smart home without lifting a finger - and isn't that type of convenience why you bought all those gadgets for in the first place? Set the mood by programming phrases like "Dinner party", "Party time", "I'm home" or "Movie night" to activate settings on multiple devices at once, like turning the lights up or down, turning the TV or disco ball on, changing the temperature in a certain room, turning on the radio and similar tasks. There's a lot you can do with Siri to make your life easier if you try these tips and tricks. If you're having a hard time remembering commands, you can ask Siri "What can you help me with?" or just wing it - the assistant is usually intelligent to understand simple commands. (Brittany McGhee, AndroidPIT)

HEALTH: Gouty Arthritis at Mataas ang Uric Acid Payo ni Dr. Willie T. Ong ANG GOUT ay isang pangkaraniwang sakit. Ang sintomas ng gout ay ang matinding pamamaga at pananakit ng mga kasukasuan ng mga daliri ng paa, kamay at tuhod. Sobrang sakit ang gout. Para malaman kung gouty arthritis nga ang sakit, kailangan natin suriin ang Uric Acid sa isang blood test. Kapag mataas ito, gout ang dahilan ng iyong arthritis. Iba kasi ang gamutan ng gout sa ordinaryong arthritis lamang. Nakukuha ang gout sa 2 bagay: (1) Lahi - Namana sa magulang, (2) Pagkain Mahilig kumain ng mga pagkaing mataas sa uric acid. Ano ang pagkaing dapat iwasan ng isang taong may gout? Sa mga gulay, bawasan ang pagkain ng asparagus, cauliflower, mushroom at spinach. Mataas ito sa uric acid. OK lang ang kanin. Pagdating naman sa ulam, dito tayo nagkakatalo. Umiwas sa

Dr. Willie T. Ong mga lamang loob (bituka, atay, utak, puso at kidneys), sisig, sardines, tunsoy, tamban, dilis, bagoong, tahong at mani. Ang gravy, patis, at lechon liver sauce ay mataas din sa uric acid. At para sa mga alcoholic, umiwas sa pag-inom ng beer at alak kung ayaw mong atakihan ng sakit na gout. Ano na lang ba ang puwede kainin? Puwede naman ang lahat ng gulay puwera sa mga nabanggit ko na. Ang gatas, keso at paminsan-minsan na karne ay pinapayagan din. Ang coffee, tea, gelatin at lahat ng

prutas ay hindi bawal sa gout. Ano ang mga gamot sa gout? Kapag inatake na ng gout, hindi na sapat ang pagdi-dyeta sa pagkain lamang. Kailangan ng maintenance na gamot para bumaba ang iyong uric acid levels sa dugo. Nagrereseta kami ng Allopurinol 100 mg o 300 mg tablet bawat araw depende sa taas ng iyong uric acid. Inumin ito araw araw para hindi umatake ang gout. Kailangan po ito. Sa oras ng pagsumpong ng gout, nagbibigay kami ng Colchicine tablets, 4 na beses sa maghapon. Isang mahalagang tip lang po: Bawal ang Allopurinol tablets habang matindi ang atake ng gout. Inumin lang ang maintenance na Allopurinol kapag humupay na ang sakit pagkalipas ng 2 araw. Ganito po ang gamutan ng mga doktor sa gout. Magpa-check-up sa inyong doktor

Heads of departments of the Autonomous Region in Muslim Mindanao Cabinet, including locally-funded agencies, convened for the 2nd ARMM Expanded Cabinet Meeting recently at the Office of the Regional Governor in Cotabato City. The meeting discussed the ARMM Regional Development Plan, 2017 Ramadan Activities, 2018 ARMM Budget Proposal Presentation, Delayed Implementation of Projects from 2012-2016, and Administrative Order 25 Secretariat Evaluation, among others. Governor Mujiv Hataman presided over the meeting. (Bureau of Public Information)

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P10

May 8-14, 2017

Public urged to report illegal money lenders CEBU CITY â&#x20AC;&#x201C; The Securities and Exchange Commission urged the public to report illegal money lenders, especially those so-called '5-6' lenders who are operating without permits. Atty. Lindeza Gavino, director of SEC Cebu Extension Office, said this type of lenders are not registered and thus cannot operate their money lending businesses. "It is illegal to act as a lending investor or what we call lending company unless you are registered as a corporation and you secure a license to operate as such with the SEC," Gavino said. Gavino asked the public to report these money lenders through their i-Message Mo facility by accessing SEC's website at www.sec.gov.ph. The facility is an alternative venue where the public, investors, complainants, requestors, and others are able to follow-up their queries, complaints, issues, concerns and give suggestions, opinions and tips as well as track the status of redresses or comments from anywhere. Under the Lending Company Regulation Act of 2007, it is illegal to act as a lending company or investor unless registered with SEC as a lending company. The law also mandates lending companies to orga-

nize only as corporations, making it illegal for individuals to engage in the business of lending without being registered as a corporation with the Commission and secure the required Certificate of Authority. Gavino explained that prior to the enactment of this law, individuals and partnerships were allowed to operate a lending business even without these requirements. But now, she emphasized that lending companies are required to convert themselves into corporations as well as to secure authority from the Commission. The SEC has been going after these informal money lenders after President Rodrigo Duterte himself has ordered agencies to go after these "5-6" money lenders. Most of them are offering interest rates of 20 percent or more, she said. Gavino said SEC does not impose maximum interest rates to lending companies, but she said it should be at a "reasonable" rate. "Lending business is not illegal. It will only be illegal if you fail to register with SEC and if you go beyond the rate that you disclose," she said. Currently, legally-operating lending companies in the country follow a three to five percent interest per month. Upon registration with SEC, these lending companies are also required to disclose the

interest rate they charge to borrowers, she said. Gavino reminded individuals and lending companies that they are only given at the end of this month to secure their authority or otherwise face penalties. Under Section 12 of the Lending Company Regulation Act of 2007, violators may face a fine of not less than P10,000 and not more than P50,000 or imprisonment of not less than six months to 10 years or both, at the discretion of the court. Evelyn Garso, in-charge on the processing of the licenses of lending corporations at SEC Cebu Extension Office, said they needed to submit the 10 listed requirements for registration and issuance of the certificate of authority. These requirements are cover sheet; CGFD clearance; all documents required for incorporation (name reservation payment confirmation, articles of incorporation, treasurer's affidavit, by-laws, and confirmation of correction); application form; information sheet; valid NBI Clearance of all incorporators and stockholders; additional requirements for foreign directors and officers; manual on anti-money laundering; board resolution on the manual certified by the corporate secretary; and notarized bank certificate of deposit. (Carmel Loise Matus)

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ARMM

Eastern Mindanao

CEBU - Nipasidaan ang Philippine Health Insurance Corporation (PhilHealth) ilabi na sa mga Overseas Filipino Workers (OFW ) batok sa mga pekeng official receipts sa premium contribution payments nga naglibot karon sa pipila ka parte sa nasod. Matud pa sa taho nga nakaabot sa PhilHealth, adunay mga recruitment agencies nga nang-isyu og

Western Mindanao

mga pekeng PhilHealth Official Receipts (PORs) sa mga OFW isip parte sa pagproseso sa ilang mga dokumento. Tungod niini, nagpagawas og abiso ang PhilHealth nga nagpasidaan sa publiko nga magbinantayon batok sa mga pekeng POR. Gitataw sa PhilHealth nga ang PhilHealth Regional ug Local Health Insurance Offices lamang ang

Cebu

otorisadong mo-isyu og POR. Padayon ang buhatan sa PhilHealth kauban ang Philippine Overseas Employment Agency ug uban pang mga hingtungdang ahensiya nga mas hingosgan ang kampanya batok sa mga mapamatud-ang naghimo sa maong ilegal nga buhat. (Elvira Bongosia)

Manila