BusinessWeek Mindanao (February 15-16, 2023)

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P15.00 Volume XIV, No. 106 Wed-Thu | February 15-16, 2023 www.businessweekmindanao.com

Market Indicators FOREX PHISIX AS OF 6:00 PM FEB 14, 2023 (TUE) 6,838.76 38.03 points 0.34 cents X

X

Troubled abaca industry

DAVAO City – The Davao del Norte provincial government has initiated interventions to address the troubled abaca sector in Talaingod town, where thousands of indigenous people (IP) are affected by the suspension of abaca-buying operations.

In a statement Tuesday, Governor Edwin Jubahib said he met with the Philippine Fiber Industry Development Authority (PhilFIDA) personnel and local buyers on Monday to find a solution to the problem faced by mostly IP abaca farmers.

“There is a need to resolve the issue to prevent the return of insurgency in the province,” he said, referring to the past influence of the New People’s Army in the town.

Alorica Davao

GLOBAL customer experience (CX) provider Alorica has expanded its presence in Davao City with the unveiling of its newest facility, Alorica Davao 3, inside the bustling Matina IT Park.

In a statement, Alorica said that its new site spans over 3,000 square meter of operational floor space, showcasing the company’s impressive growth in the area, where it already employs over 4,500 people. With the site’s opening, Alorica is poised to hire even more and contribute further to Davao’s economic development.

Alorica Davao 3 can house an additional 5,000 new employees, making it a key office location for attracting top talent. Boasting its own recruitment hub with the capacity to process 150 on-site job applications, the site would enable the company to meet the surging demand for its digitally-charged CX solutions.

Canceled flights

AT least four domestic flights were canceled on Tuesday due to bad weather, the Manila International Airport Authority (MIAA) reported.

These Manila-DipologManila flights were the PAL Express (2P) 2557/2558 and Cebu Pacific (5J) 703/704.

The weather bureau on Tuesday said the trough of a low pressure area (LPA) outside the Philippine Area of Responsibility will bring moderate to heavy rains over the Zamboanga Peninsula.

ON PROPOSED CHARTER CHANGE

T

HE lead legislator of the House Committee on Constitutional Amendments on Saturday bared that their panel is gearing to focus on proposals related to economic revisions and foreign investments.

“President Ferdinand 'Bonbong 'Marcos Jr. has been going around the world to encourage investors to come to the Philippines. It is counterintuitive that we have 60-40 economic restrictions which therefore discourages international businesses,” he

Iligan City targets improved ranking in 'competitive index'

documents and monitor the local government's compliance with the CMCI officials.

KID’S PLAY. Sama kids play to their heart's content at the Badjao Village in Bongao, TawiTawi. MindaNews photo by

More Filipino children exposed to online sexual abuses

Iligan City administrator Darwin Manubag said they have formed a City Competitiveness Committee (CCC) to review the

"Based on the evaluation, we have some problems in the submission of documents and their accuracy to the surveying team. They have noticed that there are noncomplied items," he said in

an interview.

COLORS OF LOVE. A bouquet of flowers in this shop in Malaybalay City costs P500-P1,000 during yesterday’s Valentine’s Day. Photo by H. MARCOS C. MORDENO/MindaNewsLast year, Iligan City was at the bottom or 33rd in the urban cities category of CMCI. In 2021, the city was positioned at 32nd place. Forming the CCC will have an impact on the reports made to the CMCI secretariat, Manubag said.

By ANTONIO L. COLINA IV MindaNews

DAVAO City — An advocacy group has expressed alarm over the increasing number of Filipino children getting exposed to various threats on the internet, particularly sexual abuse or exploitation.

DAVAO City — Former Sarangani Governor Miguel Rene Alcantara Dominguez has joined the 60-year-old Alsons Development and Investment Corporation (Alsons Dev) as its new director who will oversee the business strategy and operations of the premier property developer and real estate pioneer in Davao City. Alsons Dev is the real estate

At the online launch of “Web Safe & Wise Campaign” on Friday , Allan Nuñez, advocacy specialist for

ChildFund Philippines, said the country is known as a “global epicenter” of the Online Sexual Abuse or Exploitation of Children (OSAEC).

He said the production of images of sexual abuse and exploitation has significantly increased in the country. At least 600,000 images and videos of naked, sexualized,

Bukidnon eyed as global food producers’ hub

THE Board of Investments (BOI) has thrown its strong support behind the full development and promotion of the 40-hectare Bukidnon Domestic Industrial Zone in Mindanao as hub for global food producers.

BOI Managing Head Ceferino S. Rodolfo said the agency has facilitated the

meeting of all stakeholders in Bukidnon to push for the project.

“This endeavor is very promising and we truly believe in Bukidnon’s potential to be a global food manufacturing hub,” said Rodolfo during a recent meeting with Bukidnon local government officials led

by Governor Rogelio Neil Roque, Vice Governor Clive D. Quiño, and First District Representative Jose Manuel Alba.

Located at Barangay Dicklum, Manolo Fortich, Bukidnon, the industrial zone boasts a complete access road, power and

RUFUS/PAGE 7

BONG S. SARMIENTO

THE Iligan City government is targeting a better ranking in the annual Cities and Municipalities Competitive Index (CMCI) this year, an official said Monday.

CDO govt to decongest city hall

THE CAGAYAN de Orocity is set to establish satellite offices in different barangays to accommodate clients from far-flung areas and at the same time decongest the city hall.

Glenn Bañez, one of the consultants from the City Mayor’s Office (CMO), revealed in a media forum on Thursday, Feb. 9, that among the barangays that have been initially eyed for the plan include Puerto, Lapasan, Kauswagan, Bulua and the Cogon area here.

The plan is to provide the Kagay-anons convenient public service. With the satellite offices, tax payers and other transactions that involve payments can be accommodated right there in their locations.

“Nakita ni Mayor [Rolando Uy] nga luoy kaayo tong mga naa didto sa layo kay muanhi

pa sila sa (The Mayor saw that those who are far from the city hall are pitiful because they still need to come to the) city hall just to pay their taxes,” Bañez said.

Apart from establishing satellite offices, the LGU is also planning to use the ‘delivery’ method for those establishments or people who want to get documents from the city hall such as cedula, mayor’s permit, business permits among others.

“You don’t need to go to the city hall anymore. You pay online and we will deliver it to your house,” Bañez added.

The LGU still needs to write a letter to the Commission on Audit and the Bureau of Local Government Finance pertaining to the said plan as the LGU, Bañez said, needs an authority from the monetary bank to allow commercial banks to accept

payments.

Streamlining permits issuance

Apart from decongesting city hall, the local government also wanted to give resolution to the existing problem on the issuance of building permits, as it would take three to four months, or up to six months, Bañez said.

Under the LGU’s plan through a proposed ordinance, the LGU is looking to hasten the issuance of building permits based on the category. The categories are simple (garage or lowcost housing), complex (2-3 story building) and highly technical (five floors up).

Bañez said the applicants only need to submit the top documents and the building permit will be released within three working days under the simple category; seven working days for complex

category and 15 working days for highly technical category.

Among the documents the applicants need to submit include barangay clearance and locational clearance from the city planning; title or any documents proving ownership of land or lease contract; real property tax clearance on land, building

and machinery; ancillary permit/documents and payment of fees, taxes, and other charges.

However, apart from submitting the said documents, applicants must also sign a notarized affidavit of undertaking in order to submit the remaining requirements within 30

working days from the released date of the building permit.

Bañez said the public hearing for the said proposed ordinance is currently ongoing and they were currently working on the said plans in order to possibly implement them within this year. (PNA)

Davao City forms body vs. anti-trafficking, VAWC

DAVAO CAity – The city government has formed a body to address the issue of human trafficking and violence against women and children.

In a statement Monday, the City Information Office (CIO) said the Local Committee on Anti-Trafficking and Violence against Women and Their Children (LCAT-VAWC) will serve as a functional and parallel structure to monitor and oversee the implementation of laws and policies on the matter.

The LCAT-VAWC is composed of the city mayor as the chairperson and the City Social and the City Social Welfare and Development Office (CSWDO) department

head as co-chairs.

In addition, the CIO said Mayor Sebastian Duterte signed an order on Feb. 9 declaring support for Republic Act No. 9208 (Anti-Trafficking in Persons Act of 2003) and Republic Act No. 9262 (AntiViolence Against Women and Their Children Act of 2004).

“The LCAT-VAWC, anchored on R.A. Nos. 9208 and 9262, is tasked with implementing policies and programs to protect women and children who are victims of trafficking and violence,” the CIO said.

It said the committee has the power to create and establish systems for surveillance, investigations, and rescue, and to undertake

Starting the First Quarter Right

By: DANNY BOY R. BONGO Juan A. Acapulco Elementary School Kinuman Sur Ozamiz City

Even experienced teachers have some trepidation on the first day of class. To give yourself and your students the sense that the course is off to a solid start, it can be helpful to create a mental checklist of goals to complete. To answer any valid queries that students might have about the goals of the course and your expectations for their participation in class. Students should have confidence in your ability to educate the course, be able to anticipate the style of your instruction, and understand the expectations you have for them as they leave the first meeting.

The start of class and the end of class are two crucial times during instruction. Events that take place during these periods may have an impact on both pupils' motivation to learn and their capacity to integrate key ideas. Different classroom models

might aid in framing what the instructor does to start and end class. You must use every effort as a teacher to guarantee that your students achieve academic success. Technology and teamwork should be used when suitable. When providing assignments, be sure to make your expectations clear. If required, give helpful criticism. Above all, remember to recognize and appreciate accomplishments.

The first day of school might be a little intimidating for many youngsters. There are a lot of new individuals to get to know, teachers to learn about, and classrooms to check out. However, you may maximize your first day if you put some effort into preparing. Teachers who can successfully strike a balance between fun and hard work will not only have happier pupils under their care and higher academic performance.

information, education, and advocacy campaigns against trafficking in persons and violence against women and children.

Moreover, the LCATVAWC can also secure assistance from local government units and national government departments and has the power to exercise all necessary measures to attain its purposes and objectives.

The mayor’s order also named the CSWDO as the committee secretariat, and that the funding and operating costs for the LCAT-VAWC will be derived from available funds and resources of the local government, under accounting and auditing regulations. (PNA)

DEED OF EXTRA-JUDICIAL SETTLEMENT AMONG HEIRS OF THE LATE JESUS VACALARES WITH DEED OF ABSOLUTE SALE

Notice is hereby given that the late JESUS VACALARES died intestate on October 6, 2002, at Amoros, El Salvador City, Misamis Oriental, leaving a parcel of land covered by Transfer of Certificate of Title No. 136-2012000870 situated at Barrio of Malanang, Municipality of Opol, Province of Misamis Oriental containing an area of FIVE HUNDRED ONE (501) square meters and more particularly described and bounded as A PARCEL OF LAND situated in Barrio of Malanang, Municipality of Opol, Province of Misamis Oriental, Island of Mindanao. Containing an area of FIVE HUNDRED ONE (501) square meters, more or less, and has been the subject of DEED OF EXTRA-JUDICIAL SETTLEMENT AMONG HEIRS OF THE LATE JESUS VACALARES WITH DEED OF ABSOLUTE SALE. The late JESUS VACALARES, died intestate, without Will and Testament, the parties are the sole and only heirs of the decedent entitled to succeed to his estate, being his legitimate children, respectively. DEED OF ABSOLUTE SALE, for and in consideration of the sum of ONE HUNDRED FIFTY THOUSAND PESOS (Php. 150,000.00), Philippine currency, paid in hand by the VENDEE CHYLLENE FAITH B. LUSDOC, of legal age, Filipino citizen, single and with residence address at Zone 2A, Tulahon, Malanang Opol, Misamis Oriental, receipt of which is hereby acknowledged by the VENDORS

NAMELY: AVELINO I. VACALARES, JESUS I. VACALARES, RAUL I. VACALARES, MERCY V. PATEÑO, FLORIE I. VACALARES, NOEL I. VACALARES AND FE V. PUNZALAN, do by these presents, SELL, CEDE, TRANSFER and CONVEY, absolutely and unconditionally unto the said VENDEE, her heirs, successors or assigns, their respective FULL SHARE of the above-described parcel of land free from all liens and encumbrances. That the VENDORS does hereby warrant legal title and peaceful possession of the property herein sold and conveyed, and will defend the same unto the said VENDEE, her heirs, successors or assigns, against all claims of all persons or entities whosoever, filed by the heirs of JESUS VACALARES, as per Doc. No. 205;

BSP warns public anew vs virtual asset firms

THE Bangko Sentral ng Pilipinas (BSP) on Tuesday, Feb. 14, has again issued a warning against transacting with virtual asset service providers (VASPs) that are unregistered and domiciled abroad or unknown foreign virtual asset companies.

The BSP said there are only 20 registered VASPs with the BSP as of endJanuary 2023, of which two are not yet operational and two are inactive. Of the registered VASPs, the BSP also listed four that are not operating at the moment.

In total, of the 20 that did register with the BSP, only 12 are active and in operation as of end-January.

These 12 VASPs are:

COEX STAR; Appsolutely; COINS PH; Bexpress; Bloomsolutions; Frenetic; Moneybees Forex; Maya Philippines; Philbit; PDAX; TopJuan; and Zybi Tech.

The BSP on Tuesday also reissued an August 17, 2022 public advisory reminding Filipinos that the BSP will not be able to enforce legal recourse or protect consumers such as redress mechanisms for VASPs based abroad. Dealing in virtual assets, said the BSP, are generally considered as high risk activities “which may result in huge financial losses due to price swings.”

The BSP highly encourage financial consumers to verify with the BSP if the virtual

asset firm or companies they are dealing with is supervised and regulated.

Based on a Dec. 7, 2022 memo, the central bank has likewise instructed all registered VASPs not to engage in any business activities other than for the safekeeping of assets.

The BSP imposed a three-year ban on VASP licensing beginning on Sept. 1, 2022. The BSP refers to virtual currencies as virtual assets. It issued a circular to govern VASPs in 2017. The VASP regulation expands the BSP’s previous rules on virtual currency exchanges to include businesses that perform an exchange between one or more forms of virtual

GSIS mobile application users exceed 500,000

GOVERNMENT Service

Insurance System’s (GSIS)

mobile app recorded 506,040 registered users and an average of 25,000 users after a year of being available to the public.

The GSIS Touch mobile app also recorded 372,338 loan applications since its release, app developer OutSystems said in a statement on Thursday.

“Some of the most pressing issues that government agencies face today include the speed it takes to deliver a product or seamless service to the market. As a leading high-performance low-code

platform, OutSystems hopes to improve business efficiency and lower operational costs as we continue to extend our services and assist more Philippine government agencies in their digital transformation efforts for the coming years,” OutSystems Asia-Pacific Vice-President Mark Weaser said.

GSIS leveraged on OutSystems’ platform to develop the mobile app, allowing over 2.5 million members and pensioners to apply for loans and tap services online, the application developer said.

The GSIS app was

Drill and Review: Integral Parts of the Lesson

By: CHRISTY JESSA G. TUASTUMBAN Teacher- 2 Katipunan National High School Sinacaban District Division of Misamis Occidental

In designing or planning a lesson, it is necessary to include activities to activate either prior knowledge or previously learned lesson before entering into a new one. After the activities, questions will follow to recall learners’ mastery. These are parts in preparing a lesson which are called drill and review.

Drill is a technique of developing mastery through repetitive learning of fixed responses, or patterns of responses to specific situations and conditions. The primary purpose for drill exercises therefore is to extend, reinforce and refine student’s capabilities. Review on the other hand, strengthens connections among materials/ lessons

already learned. Also, review helps to recall. It aids in preparing the learners for a new techniques. Moreover, this review helps us in giving more attention to details.

Learners will know the value of doing “practice” because reviewing is practicing old skills before introducing a new one. These drill and review are the two interconnected parts of the lesson. They are inseparable. These parts are essential parts in the teaching and learning process to achieve positive learning progress. Therefore, teachers should always remember that drill and review are integral parts of the plan with only one goal, to target mastery of the lesson.

assets, the transfer of virtual assets and its safekeeping or adminstration.

BSP Deputy Governor Chuchi G. Fonacier said in the December 2022 memo that there are persistent threats in the virtual asset world that affect practices and endanger the safety and security of customer funds, such as what happened in the FTX debacle, a cryptocurrency that went bankrupt last year.

Fonacier said all VASPs, particularly those providing safekeeping and administration services for virtual assets such as custodians, should ensure that customers’ virtual assets are not being used for any business activities other than for safekeeping on the customers’ behalf. VASPs facilitate the conversion or exchange of fiat currency to virtual assets or vice versa.

Fonacier also reminded all VASPs to be especially critical in assessing the risk profile of liquidity providers and check the following: license and registration status; the legal and supervisory framework of the jurisdiction from which the liquidity providers are domiciled; and supervisory/ enforcement capabilities of relevant regulatory bodies/ enforcement agencies.

PERA contributions reach P330 M — BSP

THE Bangko Sentral ng Pilipinas (BSP) said contributions to the Personal Equity and Retirement Account (PERA) reached P329.55 million in 2022, up 30 percent from P253.35 million in 2021.

developed in 2020 in response to the restrictions and safety concerns caused by the coronavirus disease 2019 (COVID-19) pandemic, OutSystems said.

“Currently, GSIS is working on a payment portal integration for loan payments with one of its partner banks.

The GSIS Mobile Touch App will also be further improved by adding a facial recognition feature, payment portal or integration with more financial institutions like banks for online payment of loans; integration with the Philippine ID System

GSIS/PAGE 7

As of end-December last year, PERA registered 5,100 contributors, 16 percent higher from 4,382 in 2021. PERA is the government’s voluntary retirement savings program.

The BSP said on Tuesday, Feb. 14, that of the total P329.55 million, about P223.71 million were investments by 3,600 employed individuals.

Meanwhile, 785 selfemployed individuals contributed P45.25 million while 721 overseas Filipino workers invested P60.58 million.

The BSP reiterated that PERA is a “superior

Inculcating Good Manners in Schools

By: MARILOU D. LICAYAN Teacher 3 Antero U. Roa Central School District-7 Ozamiz City Division

Good manners are primarily learned at home; proper guidance from home elders namely: the grandparents, aunts, uncles and parents as well. For some reasons and contributing factors, there are school children who lack proper etiquette and decency. Indeed, actions are visible enough for these learners are distractors in the class. They love violence and bullying thus, as agent of change in the institution, teachers should include inculcating good manners in the daily teaching. Moreover, a school has its interdisciplinary committee to look after the welfare of disturbed individuals. All schools have its prefect of discipline and guidance counselors. But, it is the

teacher inside a classroom who holds classes oftentimes are more responsible for each learner. Though, it is unfair for the teacher’s part but, it is in reality that teachers in schools are second parents.

Instilling good manners has been one of primary concerns of teachers. Schools are the best places in doing it. Some of the most effective methods of developing good manners in school are modeling, curriculum use and putting it into practice, in a way that learners will b e able to grasp what is right and what is wrong.

Inculcating good manners in schools is useful. It can help learners understand that doing right all the time is the best.

retirement savings option” because of the tax benefits and tax exemptions on earnings from PERA investments.

It offers a five percent tax credit on the PERA contribution that can be used to pay for national income tax liabilities and a tax-free distribution on qualified withdrawal of PERA investments, said the BSP.

Anyone with a Tax Identification Number can be a PERA contributor. An individual can contribute up to P100,000 while overseas Filipinos can participate by as much as P200,000 annually. By the time the contributor reaches 55 years old and have invested in PERA for at least five years, they can redeem the PERA investment taxfree.

Income earned from PERA investments is exempted from

final withholding, capital gains and regular income tax.

PERA contributors are also entitled to a five percent tax credit on contributions while qualified PERA withdrawals are not subject to taxes. In addition, in case of the death of the contributor, the PERA asset will be released to the beneficiaries without paying estate tax.

In September 2020, the BSP implemented a digitized version of the PERA to encourage more investments. The digital PERA made it more convenient and efficient by enabling Filipinos to open PERA accounts, choose among different accredited PERA products, and settle PERA transactions electronically using their mobile phones or other digital

Fostering Healthy Classroom Environment

By: MAIDY S. OBAD Teacher

3

Antero U. Roa Central School District-7 Ozamiz City Division

School rooms or classrooms for any learning spaces are called class homes. These are learning zones for young people; an area where in learner’s dream and ambition takes place. This claim is correct because students are engaged in school for at least eight hours per day, five days per week thus, safety is the most essential aspect to be considered all the times.

A healthy classroom environment helps learners and teachers to be at their best, physically, mentally, emotionally and socially. There are indications of a healthy and safe classroom; these are the absence of violence, bullying, harassment and others.

In a classroom setting, everyone needs to feel safe and protected. A positive

classroom climate accepts everybody as part of the whole; acceptance of the learners’ diversity; where individual differences should always given importance and considerations. Indeed, interests, skills, needs and abilities differ from one learner to another.

Teachers must foster a positive school environment that not only promotes academic excellence but also creates a warm, safe, and nurturing environment. A sense of belonging and acceptance can keep these young people away from danger.

Whatever the situation is, and whoever our learners are; cultivating a healthy and safe classroom environment promotes learning in a better way.

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True Friends Say What's True

Think a minute… The former U.S. president, Harry Truman, had a reputation for being an honest and loyal friend no matter what the cost. One of Truman’s friends, Tom Pendergast, helped Truman win his first election to public office as a county judge. However, Truman did not always agree with his friend’s crooked way of doing business. One time a group of dishonest businessmen wanted Pendergast to influence his friend Judge Truman, but Pendergast replied: “Truman always stays true to his honest character and principles. There is nothing I can do to tempt or make Truman cheat or do anything dishonest.”

Eventually Pendergast was put in jail for the crime of tax evasion. Years later when Truman was vice-president of the U.S., Pendergast died. Yet Truman still flew across America for the funeral. He said: “Even though we disagreed, we were still friends.”

True friendship is not based on what a friend does for you, but on what he means to you, even if you disagree with him and disapprove of

opinion

Earth Democracy For Justice, Sustainability & Peace

WHEN the late chieftain of the Higaonon Tribe of Cagayan de Oro City, Fausto Orasan known as Datu Sandigan, was passionately advocating and protecting the integrity of the environment in the uplands against illegal loggers and miners, he was killed after seven attempts to his life. On the seventh attempt, his residence in Pigsag-an was rained with bullets by these armed men who, as narrated to me by Datu Sandigan himself, were even brandishing their high powered guns, shouting while walking in the streets at 2:00 o'clock in the morning not to follow the good Datu or else, they would also be killed. Miraculously, he survived but not the on the 8th attempt in the mining area of Tuburan during his watchful visit as he was then a volunteer to report to the "Task Force Kinaiyan," which I am heading to stop these illegal mining activities as embodied in the "Writ of Kalikasan" issued In 2013 by the Court of Appeals.

His life was taken away by the assassins' bullets in that Saturday afternoon of September 13,2014 in his efforts to stop the degradation of the environment where the Higaonons are now living who were before inhabitants of the city but now have been pushed to live in the hinterlands.

Why must Datu Sandigan sacrifice his life for Mother Earth? Perhaps, those who are viewing the planet as private property for enclosure of the commons to satisfy their profit motive that have already captured the mindset of all governments, institutions, universities and even religious groups, Datu Sandigan, for giving his life for God's creation, is crazy. That was how we were perceived before when we were lying in the streets to stop the illegal flow of logs in the 90's.

THINK A MINUTE

JHAN TIAFAU HURST

his ways. True friends say what’s true—even if it hurts, because they care about what is right and best for your life.

“A true friend gets in your way, if you’re going down the wrong road.” A proverb says: “Faithful are the wounds from a friend.” Just like a doctor sometimes must cut you to heal and save your life.

“True friends stab you in the front”—because they want to save you from worse problems and pain. Love does not lie, because “Truths that are kept silent become poison.” We all have things in our character we need to change, so sooner or later confrontation is necessary. A close, strong relationship only grows out of deep trust built on honest communication

The truth is what Datu Sandigan had dedicated his life for Earth Democracy for justice, sustainability and peace which seemed to be too alien to a world that has been deeply buried in so much materialism and consumerism. No less than the world known environmentalist and a physicist Dr. Vandana Shiva, a professor in a University in Canada mentioned to me when she was visiting us during the heights of our direct action against logging through human barricades together with Datu Sandigan and the IPs in the 90's that what the Indigenous Peoples are advancing worldwide is Earth Democracy which is both an ancient worldview and an emergent political movement for peace, justice and sustainability. She said that "Earth Democracy connects the particular to the universal the diverse to the commons, and the local to the global. Native American and Indigenous cultures worldwide have understood and experience life as a continuum between human and non-human species and between present, past and future generations. An 1848 speech attributed to Chief Seattle of the Suquamish tribe captures this continuum."

"How can you buy or sell the sky, the warmth of the land? The idea is strange to us. If you do not own the freshness of the air and the sparkle of the water, how can you buy them? Every part of this earth is sacred to my people. Every clearing and humming insect is holy in the memory and experience of my people. The sap which courses through the trees carries the memories of the red men. This we know: the earth does not belong to man; man belongs to the earth. This we know. All things are connected like the blood which unites our family. All things

are connected."

Earth Democracy is the awareness of these connectedness and of the rights and responsibilities that flow from them. This is what our Indigenous People are advancing as exemplified by Datu Sandigan. Indeed, all species, peoples, and cultures have intrinsic worth. It is the firm belief of that Indigenous People that all beings are subjects who have integrity, intelligence, and identity not objects to ownership, manipulation, exploitation, or disposability. No humans have the right to own other species, other people, or the knowledge of other cultures through patents and other intellectual property rights.

Today, the Indigenous People (the Higaonons and Maranaos) are very much bothered as their ancestral domain is now the subject of interest by the LGUs nearby to convert a very wonderful holy ground into tourism site for money raking. In their letter to me, they expressed such alarm, to wit:

"Kaya naman kaming mga Tribung Hig-onon at Tribung Maranao ng Barangay Lantud ay nagkakaisa upang maisa katuparan ang kagustuhan ng aming mga ninuno para sa kapakanan naming lahat hanggang sa darating pang henerasyon, kong kaya kami ngayon ay maninindigan upang bawiin ang aming karapatan sa pamuno sa aming teretoryo na linalapastangan ng mga taong nasa posisyon. Sa pamamagitan ng aming coop na Igpanuyadug sa Abaga Ta Bayug Agriculture Cooperative at sa tulong nga lahat ng ahensiya hanggang sa National Government lalong lalo na sa pinaka mamahal naming Pangulong BBM inaasahan naming mga tulong, babangon kami kasama ang basbas ng aming mga ninuno

at sa biyaya ni Magbabaya!"

Yes, we must recognize the rights of the Indigenous People as soon as possible as they have categorically stated in their position paper: "Gagawin namin ang lahat mapangalagaan lang ang aming kalikasan sa loob ng aming ancestral domain dahil pinaglaban ito ang aming ninuno sa loob ng ilang siglo kaya handa rin kaming pumatay at handa rin magpakamatay upang ipaglaban ang aming karapatan sa loob ng aming teretoryo."

By the way, the newly formed cooperative is headed by a very brave warrior and brigade commander of the North Eastern Command of the Moro Islamic Liberation Front (MILF) of the 6th Special Force Unit, Sultan Abdul Ayunan Amoran. With him are some five battalion commanders and 1,400 MILF combatants.

Indeed, Mindamora Falls is the manifestation of the Unseen Being, the creator. Can there be a more amazing site on earth than the radiating two-story waterfalls flowing amidst the backdrop of the green scenery of blooming trees and flowers and above are flocks of birds hovering and dancing to the music of the wind in harmony with the music emanating from water falling, Yes, just like Datu Sandigan's stand, "It is where Magbabaya is that is worth dying for."

AN INTOXICATING LOVE

US musician and author Ted Gioia argues in his excellent book Music: A Subversive History (2019): "At every stage in human history, music has been a catalyst for change, challenging conventions and conveying coded messages – or, not infrequently, delivering blunt, unambiguous ones. It has given voice to individuals and groups denied access to other platforms for expression. Pop music has often been dismissed as "lightweight" given its young audience, simple snappiness and mainstream status, but those elements are really where its strength is concealed. Pop songs don't originate themes of mental wellbeing,

equality, liberty, activism – but they do transmit them to the broadest platforms possible".

Snap the radio on, zip to any station, and what are you likely to hear? Love songs. Songs of new love, songs of disappointed love, songs of grateful love, songs of crazy love. I still remember my time as a radio host in Davao City several years ago playing the Hits of the 60's, 70's and 80's. Nothing has changed. Times change, but through history the flow of love songs is a constant.

Plenty of people are surprised or even shocked to find an explicit love song in the bible - complete with erotic lyrics. But "Song of Songs" is

exactly that. It shows no embarrassment about lovers. Consequently, intermittent attempts have been made to rule "Song of Songs" out of the bible. It's like making it "for adults only". Imagine, my dear reader, in 16th century Spain for instance, professor Fray Luis de Leon was dragged out of his classroom and taken to jail for four years. His crime? He translated "Song of Songs" into Spanish.

If you start reading "Song of Songs", you will find out that this book conveys a very different atmosphere from most modern love songs and pop music. Since love songs are always popular, many people approach "Song

of Songs" with great expectations. However, readers often find the book much different from what they had expected. One is the poetic imagery. Second: "Song of Songs" is hard to follow. One part doesn't seem connected to the next.

Try to explore the "Song of Songs". One thing is for sure. You'll learn a lot about the love between God and His people.

ORLAN R. RAVANERA

KIM’S

Lumad Declaration:”Andam Kami Magpakamatay Para sa Kinaiyahan”

Local vehicle sales start 2023 with 42% growth

THE Chamber of Automotive Manufacturers of the Philippines, Inc. (CAMPI) and the Truck Manufacturers Association

(TMA) reported on Monday that their combined vehicle sales at the start of the year increased by 42.1 percent to 29,499 units.

This translates to an increase of 8,734 units from the 20,765 units sold in January 2022.

"The double-digit sales

SEC roadshow to pitch capital market as MSME funding source

THE Securities and Exchange Commission (SEC) is launching a nationwide roadshow that aims to highlight easy and accessible funding options for micro, small and medium enterprises (MSMEs) in the capital market this week.

The commission will kick off the SEC Roadshow on Capital Market Formation for MSMEs and Start-ups at the Pinnacle Hotel in Davao City on Feb. 15. The roadshow will emphasize how MSMEs can tap the capital market, including crowdfunding platforms, to raise funds for business expansion.

Crowdfunding is a fundraising activity typically conducted by start-ups and SMEs, where the public can

support or fund a business idea through an online platform.

The SEC regulates crowdfunding activities in the country, with the Rules and Regulations Governing Crowdfunding provided under SEC Memorandum Circular No. 14, Series of 2019.

Under the crowdfunding rules, SMEs no longer have to register securities with or secure approval directly from the SEC before they can solicit investments from the public. SMEs need only conduct their fundraising activity with a crowdfunding intermediary, funding portal or crowdfunding platform registered with the SEC.

Within a 12-month period, an SME may raise as much as

Republic of the Philippines

SUPREME COURT

P10 million when its securities are offered and sold to any investor, and up to P50 million when offered and sold to qualified investors.

There are currently three crowdfunding intermediaries registered with the SEC, namely Investree Philippines, SeedIn Technology, Inc. and the Eastern Securities Development Corporation (Round One).

“The Covid-19 (coronavirus disease 2019) pandemic has caused many financial problems for a lot of MSMEs around the country. We at the SEC hope to stem their financial woes by providing possible solutions to these enterprises, particularly

SEC/PAGE 7

growth of 42.1 percent recorded in January, coming from a year-on-year robust growth performance in 2022, is a good development momentum for the auto industry as we start the year," CAMPI president Rommel Gutierrez said in a statement.

Sales of car passengers and commercial vehicles both registered double-digit growths in January.

Passenger car segment sold 7,506 units last month

-- 29.8 percent higher than the 5,784 units sold in January 2022.

Commercial vehicle sales also accelerated by 46.8 percent year-on-year to 21,993 units from 14,981 units.

Light commercial vehicles led the sales with 16,757 units sold last month followed by Asian utility vehicles with 4,587 unit sales.

Light trucks sold 370 units in the previous month,

while trucks and buses categories IV and V sold 235 and 44 units, respectively.

"The auto industry is optimistic of its continued expansion from the demandside standpoint driven by the growing domestic consumer market. On the other hand, the supplyside challenge(s) are also an important factor that the industry is mindful of as this may hamper the industry growth," Gutierrez said. (PNA)

Citicore to diversify renewable energy projects by 2030

CITICORE Renewable Energy Corp. (CREC) is diversifying its renewable energy projects to support the country’s 2030 energy targets.

suppliers to support the firm’s first battery energy storage system in Silay City in Negros Occidental, which will have a capacity of 25 megawatt hours.

REGIONAL TRIAL COURT OF MISAMIS ORIENTAL

10th Judicial Region

Cagayan de Oro City

OFFICE OF THE PROVINCIAL SHERIFF

NOTICE OF EXTRA-JUDICIAL SALE EJF-2023-1293

Upon Extra Judicial Petition for Sale under Act 3135 as amended by Act No. 4118. Filed by HOME DEVELOPMENT MUTUAL FUND(Pag-Ibig) , a government financial institution duly organized and existing under and by virtue of Republic Act. No. 9679 with principal office at The Petron Mega Plaza Building, 358 Sen. Gil Puyat Ave., Makati City, with branch office at Pag-IBIG fund Bldg., J.R. Borja St., Cagayan de Oro City, against ROSEMARIE B. ONDAP , of legal age, Filipino citizen, with postal address at Lot 21, Blk 41, KISAN LU PAG-BIG CITY, Iponan, Cagayan de Oro City, Misamis Oriental, to satisfy the mortgage indebtedness which as of August 15, 2022 amounts to THREE HUNDRED FORTY THOUSAND EIGHT HUNDRED ONE PESOS & 70/100(P340,801.70) Philippine currency, including interest and penalty charges, the undersigned Sheriff will SELL at Public Auction on March 6, 2023 at 10:00 o'clock in the morning or soon thereafter at the main entrance of RTC Branch 41, 2nd flr., Goldridge Bldg., Mastersons Avenue cor. P.N. Roa, Sr., Avenue, Upper Carmen, Cagayan de Oro City, to the Highest Bidder, for CASH and in Philippine Currency, the real property mortgaged together with all improvements thereon, to wit:

TRANSFER CERTIFICATE OF TITLE NO. T-137-2016004648

A PARCEL OF LAND (Lot-21, Blk-41, PCS-10-002661, being a portion of Lots 3594, 3596, 3597, 3598, 3600, CAD-237 & Lot 3595-I, (LRC) Psd-128619), Situated in the Bario of Iponan, City of Cagayan de Oro, Island of Mindanao, Bounded on x x x ; Beginning at x x x ; containing an area of ONE HUNDRED FORTY (140) SQUARE METERS more or less, including all improvements existing and to be constructed/erected thereon.

Prospective buyers/bidders may investigate for themselves the Title and Tax Declaration herein-above described and encumbrances thereon, if any there be.

All sealed bids must be submitted to the undersigned on the above-stated date, time and place.

In the event the public auction should not take place on the said date for whatever reason, the same will proceed on the following working day, without further notice, posting and publication.

Cagayan de Oro City, January 18, 2023.

FOR THE EX-OFFICIO PROVINCIAL SHERIFF

BY:

CREC president and chief executive officer Oliver Tan told reporters over the weekend that the company targets to operate solar power projects, run-of-river hydro plant, offshore wind power and energy storage system over the next seven years.

Tan said CREC plans to launch 1 gigawatt (GW) of solar projects every year until 2027, or a total of 5 gigawatts (GW) installed capacity within five years.

This year, the company will infuse $800 million in capital expenditure for its solar power projects, with its project in Batangas getting the lion’s share.

He said CREC is also in talks with Chinese

The energy storage facility will start commissioning by early 2024.

“The energy storage system will complement our 5-GW solar projects,” he added.

Tan also shared that the RE firm has started the construction of its first hydropower project in Isabela province. It will have a capacity of 19.7 MW peak.

The hydro facility is expected to be completed by 2026.

As the government polishes its policies to encourage investments in offshore wind power resources, Tan said CREC will be venturing into

offshore wind projects. He added CREC has secured seven service contracts from the Department of Energy for its offshore wind projects. Three of which will be located in North Luzon, two each in the provinces of Zambales and Guimaras. By 2030, Tan said the energy firm targets to operate at least two offshore wind projects, with a combined capacity of 700 MW.

He said CREC is looking for foreign partners to support its future renewable energy projects.

“We welcome them (foreign partners) because of the enormous capital requirement to fund these projects. The local firms can’t do it alone, so we welcome them. And I think, it will be mutually beneficial for them to partner with local,” he added. (PNA)

Stages of Learning Development

By: VIVIAN E. REGUMAN Juan A. Acapulco Elementary School Kinuman Sur Ozamiz City

(SGD) ALDEN V. SAMBAAN Sheriff IV

What developmental phases do kids go through as they age from infancy to adulthood? You might consider how a youngster develops from babbling to speaking single words to whole sentences, or from crawling to walking. Emergent reading, early reading, transitional reading, and fluent reading are the four separate phases that children move through as they improve their reading skills. These stages are occasionally given different names or broken down further into substages. The stages represent the same broad skills advancement regardless of how they are titled. The rate and age at which children pass through these phases varies, much like in other aspects of growth and development.

Emergent readers are discovering the significance of print. Even though they are unable to read the printed words, as they turn

the pages, they narrate stories in their own words. They discuss what they like or observe in the narrative while making comments about the illustrations. The capacity to rhyme and employ alliteration are among the phonemic awareness skills the children are gaining.

Early readers are starting to interpret short words with typical spelling patterns and comprehend the predictable relationship between letters and their sounds. They also naturally pick up on some sight words. They can read some straightforward books on their own by combining decoding techniques with sight word awareness. The students might summarize some of the key scenes and express their opinions about the work after reading or listening to it.

In transitional reading, individuals are able to decode

multisyllabic words using a range of ways and immediately recognize several spelling patterns and sight words.

The pupils can now read independently for extended stretches of time and are starting to read simple chapter books. Their comprehension abilities are also developing swiftly. The children are currently starting to draw conclusions in addition to recognizing tale structure and giving personal responses to texts.

Fluent readers, they read clearly and at the right speed. They are able to decipher the meanings of the majority of vocabulary words they come across by using context cues, their understanding of the word's roots, or other cues.

The pupils' ability to compare and contrast, assess, summarize, and use other higher-level skills shows that they can understand complicated materials.

DHSUD-Davao conducts seminar workshop on risk-sensitive comprehensive land use

DAVAO CITY – The Department of Human Settlements and Urban Development, Region XI (DHSUD XI) conducted the first seminar workshop on risk-sensitive comprehensive land use on February 6-10, 2023, at the Fair Crown Suites, Aguho St., Davao City.

The said activity was also made possible with the support by the Environmental, Land Use and Urban Planning and Development Division (ELUPDD) of the local government unit (LGU) of Santa Cruz in Davao del Sur.

It was learned that the 5-day seminar workshop was conducted in preparation for the LGU’s Risk-Sensitive Comprehensive Land Use Plan (CLUP) and Zoning Ordinance.

The activity was also focused on providing inputs pertinent to sectoral and ecosystem analysis, as well as capacitating the concerned stakeholders about Climate and Disaster

Risk Assessment (AR5) and Mapping activity for the preparation of the Existing Land Use Maps per Barangay and hazard areas.

Ryan Anthony A. Paran, ELUPD Division Chief HHRO VI EnP, headed the workshop activities, together with the ELUPDD Technical Team, and with the guidance of DHSUD XI Regional Director RM Miguel R. Palma Gil. (JCE)

(SGD)

LAPASAN BARANGAY COUNCIL

February 11.

Lapasan, Cagayan de Oro City barangay chairman Julito Ogsimer (right facing camera) listens to a constituent during the Fatima edition of his sitio empowerment outreach held last Saturday,

PHOTO

Rufus...

from page 1

said.

For years, lawmakers noted that the 60-40 restriction on public utilities discourages foreign investors from building businesses in the country.

Rodriguez said there are currently eight legislative measures calling for the Constitutional Convention to propose amendments to the Constitution, and another two resolutions seeking to introduce economic changes.

The Public Consultation on Constitutional Reform in this city on Friday, Feb. 10, was the first public hearing outside the Batasan Pambansa.

Rodriguez said the consultation aims to hear observations and comments of different sectors regarding the proposals to amend the Constitution.

The committee is expected to conduct more consultations, including in the provinces Iloilo, Pampanga, and Bulacan, to come up with an inclusive and comprehensive report on proposed measures. (PNA)

Iligan...

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"We can report that last year, we have a better business registry with 1,500 new businesses, and this will have an impact on our new economic dynamism," he added.

Glenn Villacin, executive director of the Iligan Investment and Incentives Promotion Center, said that around 80 percent of the CMCI requirements have been complied with under the new administration of Mayor Frederick Siao.

The remaining 20 percent is still being worked out by the CCC for submission before the Feb. 20 deadline.

Arnold Garbanzos, the public-private partnership director, said one of the indicators of the "highly competitive" city is the number of new investors coming in.

"The higher the rank (at CMCI), the more investors will come,“ he said. The CMCI secretariat is headed by the Department of Trade and Industry.

CMCI is a mechanism of rankings of local government units based on the total of five

pillars: Economic Dynamism, Government Efficiency, Infrastructure, Resiliency, and Innovation.

Provincial rankings are based on population and income-weighted averages of the overall scores of cities and municipalities under a province. (PNA)

Children...

from page 1

and abused Filipino children were uploaded, shared and sold online in 2018, he said.

He noted that this number significantly increased by 256% during the COVID-19 pandemic as most children spent more time on the internet due to lockdowns and schools shifted to online classes.

He said spending more time in the online environment during the pandemic was a “perfect trap” set up by people who took advantage of the situation to victimize more children in the country.

The pandemic lockdowns started in March 2020. Faceto-face classes resumed only late last year.

Anand Vishwakarma, country director of Childfund Philippines, said “Websafe and Wise” is a global effort headed by Childfund Alliance to” build an accessible, safe, and exclusive digital world for children and youth.”

Nuñez said the group was also alarmed that household members who are “economically burdened” have been forced to sexually exploit or abuse the children in exchange for money.

He said the “Web Safe & Wise Campaign” was launched to educate stakeholders in the private sector, particularly the media, to contribute to efforts in eliminating online threats against children.

“Every child in the Philippines should enjoy a safer and better digital environment free from all forms of online abuse and exploitation and violence,” he stressed.

Around half of the 44 million Filipino internet users are children aged 17 years old and below, he added.

Nuñez said there is a need to protect the children from age-inappropriate content across all online platforms.

He explained that this includes engaging the minors for a consultation and educating them, including the private sector and media practitioners, through webinar

CAN ARTIFICIAL INTELLIGENCE BE CREATIVE?

By: Jinky G. Marcelo Faculty, College of Information Science and Computing Central Mindanao University

Artificial intelligence (AI) has already made significant contributions to various domains such as business, education, healthcare and agriculture, among others. However, computer applications which are developed by artificial intelligence are designed to be logical and systematic based on perceived patterns. If computers can only work in existing patterns, can AI evolve to a point where it can be creative or generate really unique data such as text, images, poetry, paintings, designs and even songs? AI has gotten smarter, and studies demonstrate that it has the potential to emulate human creativity. More recently,

research has shown that generative artificial neural networks can generate images from textual description, synthesize meal images from ingredients, generate cartoon characters, translate images from semantic representations, convert photographs of people into emojis, generate images of people at different ages, create random interior designs to give decorators fresh ideas, create new music compositions in various styles and a lot more practical applications. Now, Is AI a risk to creativity? Despite these amazing breakthrough capabilities, AI will never replace the creativity of humans, but it can be used as a tool to augment human creativity.

series, training, community education and outreach.

He said the media are responsible in ensuring informed reporting on issues related to child online safety and protection and should follow an ethical approach to covering issues involving OSAEC.

“Media plays an instrumental role in protecting children by increasing public discourse on the issue,” he said.

Ariel Sebellino, executive director of the Philippine Press Institute, added that efforts and initiatives must be smarter to combat challenges and problems.

“People just don’t know that once kids are left like that, they are already exposed to so many dangers, be it potential or real. These are the realities now,” he said.

He added that the role of journalists in addressing these online dangers is “very critical and crucial.”

Bukidnon...

from page 1

and perimeter fences. The industrial zone is also accessible to and from the Mindanao International Container Port and the soon-to-be operational Don Carlos Bukidnon Domestic Airport.

Rodolfo noted that Bukidnon, Southern Philippines’ food basket, is ready to make it happen for global investors particularly food manufacturing players as the province offers to host them through its 40-hectare rich Bukidnon Industrial Zone.

In a statement, Monday, Feb. 13, Rodolfo said that BOI will be inviting global investors and businesses, particularly in the agriculture and food production sectors to invest in the industrial zone noting its competitive advantages.

Bukidnon has a progressive agriculture-based economy with products such as pineapple, tomato, coffee, rubber, cattle, and bamboo.

With high altitude, relatively flat land area, and consistently good weather, Bukidnon also boasts of its competitive advantages for the agri-industry. The province is among the top producers of regular bamboo and has the most abundant supply

of Asper or giant bamboo in the country.

The province’s opportunitydriven infrastructure including improved all-weather provincial road networks and enhanced barangay connectivity serve as facilitating factors for greater economic development.

The province already hosts big players in the food production business including Del Monte Philippines. Inc., Republic Biscuit Corporation and Liwayway Marketing Corporation which may help attract similar projects to consider Bukidnon as their investment destination.

They are also targeting investors in the Bamboo Industry and those whose activities support sustainable development and reduced carbon footprint.

In the meeting, the Provincial Planning and Development Office of Bukidnon presented the competitive advantages of the province and why the province would be an ideal location for a domestic industrial zone. The BOI, in turn, committed to assist the local government in the promoting the industrial zone by inviting possible developers and locators.

“To realize this, we are proposing to schedule a series of roundtable meetings with industry stakeholders and industrial zone developers in the next three months from January 2023 to solicit inputs and interests and ready the industrial zone for strategic promotions,” he said. (mb.com. ph)

GSIS...

from page 3

for online, real-time Annual Pensioner Information Revalidation by pensioners using facial image verification; and GSIS Touch as portal to the GSIS eWallet,” it added.

“As a government agency that is at the forefront of innovation, we are proud to have been able to launch the Touch Mobile App that is accessible by hundreds and thousands of our members. We look forward to seeing the app become the next major communication and transaction channel of GSIS, allowing more Filipinos to have seamless access to our services without traveling to the GSIS branches or agency offices in the country,” GSIS Information Technology and

Importance of Understanding Human Development in Teaching and Learning

By: Lorijane T. Gumahin Teacher III Balingasag Central School

Balingasag Central District

Division of Misamis Oriental

As a teacher interacting children in school is the prime scenario. The better able you are to provide proper support, the more you will understand about how children develop and evolve.

The main motivations for studying human development are to better understand the life experience, to assist others in understanding what they are going through, to comprehend how society and individual growth are related, to lead others more skillfully, and to promote others' physical and mental well-being.

Understanding and growing personally and professionally can be greatly benefited from the study of human growth and development. There are many reasons why several research conducted about human growth and development.

Children's life undergoes significant alteration once they start school. There is a substantial development on the physical, social, and cerebral levels. Middle Childhood is characterized by growing

Service Group Senior VicePresident Juan P. Evangelista said.

PERA...

from page 3

devices, said the BSP.

After the BSP launched the digital PERA where investors can settle via InstaPay and PESONet, the number of contributors increased to 5,100 in 2022 from 1,684 in 2020.

The digitalization of PERA has brought more overseas Filipinos as contributors since 2020. It has also significantly reduced processing time and transaction cost, as well as simplified account opening.

The BSP launched PERA in 2016 under Republic Act No. 9505. As a voluntary retirement savings program, it supplements state-based pension plans and employer-sponsored retirement plans such as the Social Security System and the Government Service Insurance System.

Friends...

from page 4

with each other. My friend needs to know I will always accept him, even if I do not approve of what he is doing.

But friendship is a two-way street and the truth cuts both ways. So we need to be willing to listen when a friend cares enough to confront us about something wrong in our life. One of the most important reasons God gave us friends is to help us grow and become more like Him in our character. Jesus is the best friend you will ever have. Won’t you ask Him to forgive you for your wrong ways of living, and to take full charge of your character and way of life? That is when He can start rebuilding you into the man or woman He made you to be. Just think a minute…

SEC...

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through the capital market and crowdfunding,” SEC Chairperson Emilio Aquino said.

Aquino will be leading the Davao City roadshow, together with speakers from the Philippine Stock Exchange, Investment & Capital Corporation of the Philippines, the Philippine Chamber of Commerce and Industry, Investree Philippines, SeedIn Technology and Round

EXTRA JUDICIAL SETTLEMENT WITH WAIVER OF RIGHTS

KNOW ALL MEN BY THESE

PRESENTS:

Notice hereby given that this EXTRA JUDICIAL SETTLEMENT WITH WAIVER OF RIGHTS, made and executed in the City of Cagayan de Oro by and between the following:

distance from the family and increasing attention to the needs of friends, school, and independence recreationrelated pursuits. Children gain a better knowledge of social concepts of where they fit in the world. They can speak about their experiences, feelings, and they want their peers to appreciate and accept them both teammates and classmates. Numerous tasks could be part of the role as teacher. This ought to be decided after talking with your school head and the families of the learners.

The teacher should know the characteristics of the learners to design strategies and approaches that is appropriate to each learner’s human development. It will consequently lead to a better interaction in the classroom. Having a broad understanding of human development enable the teacher to deliver the lesson smoothly and easily for the better understanding of the learners. It creates a conducive learning environment that will establish comfort and harmony of learning.

One.

The roadshow is an initiative led by the newly created SEC office for the Advancement of Strategic Investments in SMEs (OASIS), which aims to encourage SMEs to explore the capital market as a means to acquire external financing.

OASIS seeks to promote the interests of SMEs by setting up viable alternatives in raising capital by simplifying the capitalraising products, streamlining the registration process and encouraging investment houses and other financial institutions to implement SME-friendly underwriting and advisory programs, among others.

The initiative is also part of the commission’s 888@88 goal, which means that there should have been at least 888 companies that tapped the capital market by the time the SEC celebrates its 88th anniversary in 2024.

After Davao City, the commission will be bringing its roadshow to other areas in the country, including in the cities of Cebu, Cagayan de Oro, Zamboanga, Bacolod, Legazpi, Iloilo, Tarlac, Baguio, the Calabarzon region, and Metro Manila. (PR)

Republic of the Philippines

Department of Transportation LAND TRANSPORTATION FRANCHISING & REGULATORY BOARD

Regional Office No.10, Apovel, Bulua, Cagayan de Oro City CONRADO F. SATUR, CASE NO. R10-EV-TH T. GEVERO 2023-02-126

NOTICE OF HEARING

APPLICANT request for the Extension of Validity of the Certificate of Public Convenience to operate TRUCK FOR HIRE (TH) SERVICE on the route: CAGAYAN DE ORO CITY and from the said place to ANY POINT IN REGION 10, accessible to motor vehicle traffic and Vice Versa and with the use of One (01) unit/s.

This application shall be considered by this Board on March 02, 2023 at 10:00 A.M. at this Board on which date Applicant shall formally submit his/her/its evidence.

The Applicant shall publish said notice at least Ten (10) Days prior to the date of hearing once in a newspaper of general/ local circulation.

Party(ies) opposed to the approval/ granting of the application must file his/her/its written opposition with supporting documents, unless this Board deems it necessary to require additional documentary evidence and/or his/ her/its oral testimony(s).

WITNESS, AMINODEN D. GURO, Regional Director, LTFRB-Region X, this 13th day of February 2023 at Cagayan de Oro City, Philippines.

(Sgd.) ATTY. MOHAMAD FAHDEL S. PIMPING HEARING OFFICER

BWM : Feb 15, 2022

DEED OF EXTRA-JUDICIAL SETTLEMENT OF ESTATE

MYRNA C. MANDAC (widow), DAN

JAYVEE C. MANDAC (single), all of legal age, Filipino citizens except for RAYMOND NICHOLAS C. MANDAC who is a British citizen, and residents of Gusa, Cagayan de Oro City, after having been duly sworn to in accordance with law do hereby depose and state that they are the sole and only surviving heirs of the late RENATO B. MANDAC, who died on April 14, 2021 in Gusa, Cagayan de Oro City. The deceased died intestate, without will or testament, and without any outstanding debts in favor of any person or entity. That deceased left among others a parcel of land situated in Gusa, Cagayan de Oro City covered by Transfer Certificate of Title No. T-60266 (Tax Declaration No. G-283992) containing an area of Eight Hundred TwentyOne (821) square meters, together with residential building covered by Tax Declaration No. G-283919. The above-described parcel land is free from all liens and encumbrances, his heirs, successors or assigns hereby adjudicate including all improvements found thereon, share and share alike in the manner provided and mandated by the laws of Succession, filed by the heirs of RENATO B. MANDAC, as per Doc. No.179; Page No.35; Book No.93; Series of 2022 under the Notary Registry of ATTY. QUINTILIANITO S. BABARIN, JR.

Notice is hereby given that the late Bienvenido Pagligaran died intestate on APRIL 24, 2022 at Gango, Libona, Bukidnon, leaving an estate located at Gango, Libona, Bukidnon and more particularly described as Transfer Certificate of Title No. ET-425, A PARCEL OF LAND situated in the Barrio of Gango, Municipality of Libona, Province of Bukidnon, Island of Mindanao. Containing an area of TEN THOUSAND FOUR HUNDRED FORTY TWO (10,442) SQUARE METERS, more or less. The decedents left no debts and the parties herein are their sole legal heirs, they being his wife and children, and has been the subject of DEED OF EXTRA-JUDICIAL SETTLEMENT OF ESTATE. This Deed, made and executed in Cagayan de Oro City, Philippines, by VERONICA PAUG VDA. DE PAGLIPARAN, of legal age, widow, Filipino and residing at Zone 1A, Gango, Libona, Bukidnon, hereinafter called the HEIR; REYNANTE P. PAGLIGARAN, of legal age, Filipino, and residing at Zone 1A, Gango, Libona, Bukidnon, hereinafter called the HEIR; ROEL P. PAGLIGARAN, of legal age, Filipino and residing at Zone 1A, Gango, Libona, Bukidnon, hereinafter called the HEIR; JENELYN P. ARDA, of legal age, Filipino and residing at Zone 1A, Gango, Libona, Bukidnon, hereinafter called the HEIR; EVANGELINE P. PAGLIGARAN, of legal age, Filipino and residing at Zone 1A, Gango, Libona, Bukidnon, hereinafter called the HEIR, filed by the heirs of Bienvenido Pagligaran, as per Doc. No. 210; Page No. 42; Book No. 93; Series of 2022 under the Notarial Registry of ATTY. QUINTILIANITO S. BABARIN, JR.