1st and 2nd Quarter Communi-k

1|“Level Up: Next Gen” (John 15:16)

VOL 8 NO 1

KMBI

communi-k“Appointed you to go and bear

fruit, fruit that last...”John 15:16

Panalo ka kapag may Disiplina

22 INSIDE:Balik eskwela, Balik homework

2008

Kulang Pa rin Ba?

10

Net Generation: Sino ba sila? 21

No Holding BackBuilding CharacterBuilding Leadership

Next Gen

Communi-K • vol. 8 no.12 |

Contents

VOLUME 8 NO1 1st-2ND QUARTER 2011

P. 5

P. 8

IN THISISSUE

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5-7

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24

24

Branch News

Organizational News

Leaders’ Edge

Cover Story

MF Index

ENTREP 101

Tips

Project Updates

Organizational Performance

Summer Saya 2011 kicks off•Batangas and Cebu South embrace V-Day•Silay, Sta.Cruz, NORSOCO, hold sports fest•HeadOfficeandBranchesundergoSafety•

Awareness Training and Drill

Mass Wedding outshines typhoon Falcon•Perez receives KILOS scholarship grant•KMBI taking its outreach strength to 71•LEaD Camp unites staff and PMs•KMBI, MCPI and PlaNet Finance forge partnership•BOT re-elects Exiomo as Chairman and President•Internal Audit Team establishes to support QMS•

Kulang Pa rin ba?•

I Hate My Job•

No Holding Back: • Building Character, Building Leadership

Hunting your lost treasure•

Balik Eskwela, Balik Homework•Net Generation: Sino Ba Sila?•

Individual loan•AgriculturalMicrofinancing•

Aiming Towards One Direction•

KMBI @ 25 yearsThe Footprints of Decades of Service Against Poverty•

Panalo ka kapag may Disiplina•

Walang One Click•

P. 6

P. 7


Summer Saya 2011 kicks off•Batangas and Cebu South embrace V-Day•Silay, Sta.Cruz, NORSOCO, hold sports fest•HeadOfficeandBranchesundergoSafety•

Awareness Training and Drill

EDITORIAL BOARD

Mayroon ka bang natatanging kwento na gusto mong ibahagi?

Narito na ang KWENTO MO BA ‘TO? na magbibigay daan sa mga natatanging kwento ng mgaempleyadosaoperation.Anumanangiyongposisyon...anuman ang iyong kwento, mapa-drama,comedy,oaction,basta’tsumasalaminsatotoongkaranasansaoperationaytiyaknapasok ang kwento mo dito!

Ipadala lamang ang iyong kwento at larawan sa pamamagitan ng email sa [email protected]

Rizaldy R. DuqueEditor-in-Chief

Marissa M. Dela RosaEditor

Lea J. Gatpandan-DomingoAssociate Editor

Joel D. ClavecillaHarry D. DalanonMargie Ritz M. GenatoFrancis J. KongRamel L. LeysonAmelia S. MagpayoMishell M. MalabaguioRosA.MatienzoRose Ailene R. PeñaContributors

Marga N. RodriguezJohn David I. UlangcaGraphics Design

Hector H. CelajesJeffersonT.NgCirculation

Foreditorial,contributions,suggestionsandinquiries, please contact: RM & C DepartmentKabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., KaruhatanValenzuela City 1441 PhilippinesEmail: [email protected]

Years ago, a small group of people dreamed of helping church members and experience what it means to be blessed. From a small room catering to less than 100 program members, who could have imagined what used to be a dream, will grow this big?

From its humble beginning, KMBI has now grown to a non-stock, non-profitdevelopmentorganization,whichhasareasofoperationsin almost all parts of the country.

Andasitapproachesits25thyearofexistence,it’snowreapingthefruitsofitslabor–fromreceivingrecognitionsfromotherentities,toenjoyingseveralyearsofsuccess,toestablishingmoreareasofoperation,andtobuildingenhancedpartnershipwithkeyorganizations.

Wewillcontinuetobuildtheorganizationfromthisstrongfoundation.KMBI’s25yearswouldn’tbefruitfulwithoutitspeople.Oureffortofmorethantwodecadesoffightingagainstpovertyshould not stop from here.

Withthisyear’stheme“LevelUp!NextGeneration”–ourjourneyhasjustbegun!Wewillcontinuetoaffectandinfluenceoursocietyand equip them with knowledge and skills to knock down poverty. We can only do so much if we do not have the best people who are committedinhelpingothers.

At KMBI, everyday is an opportunity to grow beyond present challenges. And I am purposely praying that more people will join theorganizationwhowillpushforholistictransformation.

Ourpurposecontinuestobeasimpleone–toencouragepeopletogrowandbearfruitsthatwilllastalifetime!

Damiana D. ExiomoChairman and President

THE CHAIRPERSON’S NOTE


Branch News

Summer Saya 2011 kicks off

Summer Saya 2011 finally kicked off at Bacolod and Roxas branches as they hosted a sporting event to promote team work and camaraderie in their respective branches.

Program members unleashed theircompetitivesidesovergames and challenges. Bacolod branch program members enjoyed the praise and worship, parlor games, raffledraw,andSearchforGng. KMBI Beauty Contest held at Onyok Velasco Gym, Bacolod City. On the other hand, Roxas branch gathered its clients at Capiz

Gymnasium, Villareal Stadium, Roxas City, Capiz for a day of fun and excitement with tons

ofactivitiessuchasAmateurSingingandDance Contest, Search for Gng. KMBI BeautyContest,Oathtakingofofficers,andrecognitionofoutstandingcenters.

In the spirit of camaraderie and fair play, KMBI Silay, Sta. Cruz, and branches of SOCKSARGEN area conducted their annual sports fest on their respective areas.

Theactivityaimstostrengthenthebondbetweenstaffandtoinstillthevalueof team spirit to everyone. In the same note,ithopestodeveloptheemployees’competitivecharacteranddeterminationto excel.

Head Office and Branches undergo Safety AwarenessTraining and DrillIn cooperation with the Bureau of Fire Protection (BFP) and National Red Cross, staff from head office, Batangas, and Cebu North and South branches recently underwent safety awareness training and drill exercises in their respective offices. The said activity was organized to heighten awareness on disaster prevention, mitigation and preparedness.

Truthsandfactsaboutthehazardsanddamages brought about by natural disasters such as typhoons, earthquakes, volcanic eruptionsandman-madecatastrophessuchas terrorism were discussed during the brief awarenesstraining.Afterthebriefing,afireand earthquake drill was administered by BFPrepresentatives.

Silay, Sta.Cruz, SOCKSARGEN, hold sports fest

Bacolod branch staff together with reigned Gng. KMBI 2011 after the awarding ceremony.

Batangas and Cebu South embrace V-Day

Batangas and Cebu South branch once again filled the excitement of its program members as it orchestrated a Valentine’s Day Fair on February at their respective branches.

Branches took the opportunity to minister to the married couples and their families and to promote the importance of love and commitment. Batangas branch gathered its members to a day of praise and worship. Pastor Jun Ceasar, Batangas branch mentor, graced the said event

SeniorFireOfficerIVandOfficer-in-ChargeinPublicInformationSectionAlfredo Castro of BFP Valenzuela stressed thatpreventionisalwaysbetterthancure.Hence,helpingeachotherespeciallyintimeof need would mean having a safer and betterplacetolive,headded.

Thisactivityisheldannuallyincompliancetotheorganization’ssafetystandards and measures.

Cebu North branch officers demonstrates the proper rescuing procedures in case of disaster.

anddeliveredashortreflectionon4Csofmarried life: Completeness, Commitment, CompanionandChrist.Tofurtherspiceuptheactivity,aphotocontestwasorganizedwhere in program members who are at least 10yearsmarriedsubmittedtheirsweetestphotographs with their husband. On the otherhand,CebuSouthbranch’shighlightof the event was the contest of oldest love letterskeptbytheirprogrammembers.

Winners of the said contest were given afreeValentine’sdatewiththeirhusbands.

Among the highlights of the activityareshortdevotion,praiseandworship, amazing race, bayanihan, dance competitions,patintero,mixedvolleyball,and basketball. Before the sportsfest, Tacurongbranchsolemnlysweartoberespectfulofthegameandeachother.TheOathofSportsmanshipwasledbyTacurongformerbranchmanager,RobelitoAndrade.


Organizational News

KMBI taking its outreach strength to 71

Perez receives KILOS scholarship grant

To complete the 71 branches as part of KMBI’s expansion plan for 2011, it opened its last branch at Pinamalayan, Oriental Mindoro.

Thebranchwasformallyinauguratedon April 18, 2011 graced by the organization’schairmanandpresident,Damiana Exiomo, and other management committees.Duringitsinauguration,Pinamalayan branch disbursed a total of P1,236,000 of loans to 309 clients.

While keen in expanding to more branches, Exiomo said that the organizationwillnowfocusonbeefingupits current branches.

Mark Josep Perez, a 15-year old son of Marilou Perez, KMBI program member from Upper Cavite branch, recently received his scholarship grant for the school year 2011 – 2012. Perez immediately reported on May 25 at Alliance for Philippine Partners in Enterprise Development (APPEND) office to process his enrolment at the University of Sto. Tomas, España, Manila.

PerezgraduatedatTagaytayCityScienceNationalHighSchool.Accordingto him, at a young age, he dreams to be the pride of his parents and to become a lawyer someday. He decided to take upPoliticalScienceincollegetoreachhisultimategoals.“IwouldliketothankKMBIfortheirsupportbecauseIwouldn’tbeherewithoutKMBI.MayGodcontinueto shower them with blessings and use them to inspire more people,” said Perez.

In partnership with APPEND and GordonandHelenSmithFoundation,KMBI is able to support knowledge developmentandleadershippotentialofpromising youth.

Mass Wedding outshines typhoon Falcon

Rains and floods did not even stop them! 563 couples in 66 branches nationwide exchanged vows and tied the knot despite of Falcon’s raging winds and rain as KMBI spearheaded its annual mass wedding.

“Malaki ang tulong nito. Una, spiritually blessed ka ng God, blessed ka ng minister, blessed ka ng society...so malaki angbenefitnito,”(Thisreallyhelps.First,you are blessed by God, you are blessed by the minister, you are blessed by the society...soit’sreallybeneficial,”)saysJoelClavecilla,TandangSora,branchmanager.

Itwasanemotional,funandSpiritual-filledeventasthesecouplesmade a covenant before men and God in thesanctityofmarriage.CouplesfromValenzuela branch even had to ride on a truckandpedicab,withthebrides’weddinggownssafelykeptinaplasticbag,justtomake it to the venue.

For some, it was a dream come true as some couples had concerns as to what kind ofweddingandchurchtheywouldattendbecauseofdifferenceinreligiousbeliefs.

Ronalyn Marino, a program member fromTandangSoraandaCatholic,whogot

married to Radia Solaiman Disomimba, a Muslim,saidthatshe’sgratefulbecauseKMBI has prepared an ecumenical wedding for couples like them aside from the financialsupportitgaveforthewedding.“Maraming problem – sa religion, sa family...ngayon, binigay sa amin ng KMBI ang pagsasama na tiyak para sa kanya...Para maging legal ang pamilya namin, maging legal yung pagsasama namin.” (Therewereproblems–inreligionandfamily...now KMBI gave us the kind of wedding that suits him...to legalize our familyandourrelationship.”)RonalynandRadia already have a child.

Theecumenicalmassweddingwasjoinedbycouplesofdifferentspiritualbackgroundandorientationwhohavebeen living together and most already have children.Thisisoneoftheorganization’smajoractivitiesthatarebeingtakencareofbytheTransformationDepartment.Itaimsto reach one of the components of its SEES (Spiritual,Economic,Environmental,Social)program, which is to draw people near to GodandhaveadeeperrelationshipwithHim.

Left Photo: Couples from Valenzuela branch uses “padjak” or a pedicab as their bridal car going to the reception after the ceremony. Right Photo: Grooms helping each other to prepare themselves for the big day.


Organizational News

LEaD Camp unites staff and PMs

KMBI, MCPI/p.7

Photos (clockwise):Crismar Escalon, Kidapawan branch manager, shares her experiences related to the topic “Pag-angat ko, Sabay ng Bayan ko”; one of the program members praising and worshiping the Lord during the camp; 5-year service awardees acknowledged during the camp; and Ms. Bolet Bautista talks about Self Care (Stress Management) during one of the breakout sessions.

KMBI, MCPI and PlaNet Finance forge partnership

KMBI signed on March 17 in Quezon City, a Memorandum of Agreement (MOA) on Improving Financial Inclusion and Social Impact Towards Food Security in Southeast Asia project. This European Union funded project is spearheaded by PlaNet Finance (PF) in partnership with Microfinance Council of the Philippines (MCPI).

Out of 18 applicants, KMBI along withsevenotherorganizationshasfulfilledtheselectioncriteriaforthesaidproject.Thetwo-yearprojectaimsto increase food security and farm productivityamongtheunderservedsmall farm households by giving access toawider-rangeoffinancialservicesandcreatespositivesocialimpactand

May 2011. Cebu City – KMBI marked another milestone as it recently held its 4th Leadership Enhancement and Development (LEaD) Camp at the Pacific Grand Ballroom, Waterfront Hotel in Lahug, Cebu City where staff and program members joined together for the first time.

With the theme “LEVEL UP! Next Generation,”thisfour-daycampaimedtoencourage everyone to take a step farther from where they are right now by providing helpful topics, which would help them becomebetterindividuals.Theseincludedtopicsaboutfinances,managingstress,

topics like emphasis on the role of women in building strong community for the program members and people management for the staffamongothers.

Major plenary sessions were also conducted for both program members and stafftogivethembetterunderstandingof what it means to “level-up.” Seasoned speakers such as Dr. Philip Flores, Dr. Bessie Rios,andAtty.WeenaMendozasharedtheirexpertiseaboutlevelingup,beingsuccessfulinoneselfasmeansofcontributingtothesuccessofthenation,andthepowerofsynergy,respectively.

One of the major highlights of the event

wastheawardsnightforKMBI’sserviceawardeesandperformingstaffmembers.Theballroomwasfilledwithfunandexcitementasparticipantsenjoyedspecialnumbers from Cebu program members and captivatedtheirheartsandsoulsduringthePraise&WorshipNight,ledbyKMBI’s4HG band and with special performance byUV(UniversityofVisayas)Chorale.Theparticipantswerealsoencouragedtodotheir parts in taking care of the environment with the back-to-back performances of 4HG band and Gary Granada, an advocate ofenvironmentalconservationandsocialchange.

Thiseventisheldannuallytofurtherhonetheskillsoftheparticipants,anchoredtotheorganization’sstrategicgoalsandmission.


Organizational News

Internal Audit Team establishes to support QMS

To assist the organization in meeting the quality management standards and consistency in compliance with the ISO 9001:2008, KMBI (Kabalikat para sa Maunlad na Buhay, Inc.) started to pool its Internal Audit Team. To be part of the team, selected staff attended the 3-day training conducted from June 1-3 by QConsult, Inc, an International Management Systems Standards expert.

According to Reynald Alpajando, quality management manager, this is the second batch of the internal audit team; thefirstbatchwasgatheredinAugust2009.He further explained that the audit team is expected to assist the audit division in ensuring that the quality management principles associated with ISO 9001:2008 is consistently complied in all branches and departmentthroughauditactivities.

For the third quarter of the year, Entrepreneurship Development and Services,InformationTechnology,ResearchandDevelopment,ResourceMobilizationandCommunications,andTrainingdepartments together with branches in Digos,GeneralSantos1,Naga,Tacurong,and Upper Cavite will undergo quality audit forISO9001:2008certification,Ontheother hand, a surveillance audit will also be conducted on departments and branches thatwererecentlycertified.

BOT re-elects Exiomo as Chairman and President

Ho Chi Minh City, Vietnam – The Kabalikat para sa Maunlad na Buhay, Inc. (KMBI) elected on February 25, during the Annual General Board Meeting, its board of trustees for 2011 – 2012.

Duringtheelection,DamianaExiomowas re-elected as chairman and president. Eduardo Jimenez will serve as vice chairman andvicepresident,Atty.ServillanoMendozawas also re-elected as secretary; Dr. Amelia Gonzales replaced the late Aurelio Llenado, Jr. as treasurer, while Emmanuel De Guzman and Dr. Ricardo Jumawan will serve as

membersoftheBoardofTrustees.Exiomo expressed her gratefulness to

the board and management for their trust. “Ilookforwardtocontinueservingandworking with this dynamic people to bring continuedsuccessandinspirationtoother,”said Exiomo.

Thenewlyelectedtrusteesalsojoinedthe KMBI management on their Strategic Planning last February 28 – March 2, in Ho Chi Minh City, to discuss the plan of the organizationforthenextfiveyears.

Left-Right; Atty. Servillano Mendoza, corporate secretary; Mr. Eduardo Jimenez, vice chairman and vice president; Dr. Amelia Gonzales, corporate treasurer; Mrs. Damiana Exiomo, chairman and president; Dr. Ricardo Jumawan, trustee; and Mr. Emmanuel de Guzman, trustee.

KMBI, MCPI...from p.6

Katherina Bantegui, QConsult Inc. Lead Management Sytem Consultant conducts Internal Audit Training.

financialliteracyinCambodia,Vietnamandin the Philippines.

With this MOA, PF shall provide technicalassistanceinintegrationofSocialPerformanceManagementinKMBI’soperationstoeffectivelydevelopagri-microfinancefinancialandnon-financialproducts to its clients. MCPI shall assist PF inimplementingthetechnicalassistancetoKMBIinvariousways,suchasassistingin

thefacilitationoftraining,anddeliveryofcoaching and mentoring to ensure smooth implementationofthetechnicalassistance.

Theprojectaimedatassistinginterestedmicrofinanceinstitutionsin enhancing their capacity, capability andoutreachthroughthepromotionofinnovations,andtransparency.TheagreementwillenduponcompletionofallobligationsofPFandMCPIin2013.

Communi-K • vol. 8 no.18 | Communi-K • vol. 8 no.18 |

ang nagsasabi ng kahalagahan ng budget para maayos na mapangasiwaan ang iyong pera o kayamanan? Kaya dapat ay magkaroon ka muna ng budget. Syempre kailangan mo ng budget ayon sa kung magkano ang kinikita mo. Ang budget ay parang isang mapa na gagabay sa paggamit mo ng iyong pera. At higit sa lahat ito ay maglalayo sa iyo sa sobrang paggastos at pagiging baon sa utang.

Sinusunod mo ba ang itinakdang budget? Marami ang naniniwala sa kahalagahan ng kanilangbudget,perokakauntilangangsumusunod nito. Kaya dapat maging faithful kasaitinakdamongbudget.Magdesisyonkasa iyong sarili na sundin ito.

May listahan ka ba tuwing ikaw ay magsa-shopping?Sige,sabihinnanatingalamna alam mo na kung anu-ano ang mga kailangan mong bilhin kada buwan, pero minsan kapag wala kang listahan, aminin natin,napapagastostayosamgabagaynahindinamanpalanatinkailangan.Tandaanlagi ang Needs vs. Want, bago bilhin ang isang bagay na wala sa iyong listahan ay isipingmabutikungitobaaykailangantalaga o mga bagay na “gusto” mo lang kaya mo binili.

Bills, Bills, Bills! Nabayaran mo na ba? Hangga’tmaagaaydapatmongbayaranang mga ito. Mainam na pagkatanggap ng sweldoaymabayaranmonaangmgautilitybills mo upang hindi mo ito makaligtaan o kaya naman ay aksidenteng mabawasan pa ang pambayad mo dito. Bukod dito, maiiwasan mo rin ang mga karagdagang multa.

May ibang utang ka pa ba? Ang pagkakaroon ng utang ay isang malaking responsibilidad. Huwag hayaang maging alipin ka nito. Kaya kung maaari, bayaran ito agad o iwasan ang pagkakaroon ngutanghangga’tmaaari.

Handa ba ang bulsa mo sa mga di inaasahang pangyayari? Kalimitan sa mga di inaasahang mga pangyayari tayo ay nahuhulog sa malaking pagkakautang kaya planuhin at maglaan ng budget bago pa mangyari ang mga bagay na ito. Kaya dapat sa budget mo ay may nakatakdang halaga kung magkano ang mapupunta sa savings athindiyungkunganolangangmatirasaiyong kinikita.

Nagta-tithes ka ba? AngisangparaannamaparangalannatinangDiyossaatingmgakinikitaayangpagkilalanaangatingperaaygalinglahatsaKanyaatdapatnatinibigayangnararapatsa Kanya. Siya ang may-ari ng lahat ng bagay at kaya niyang ibigay ang lahat kung naisin Niya. Sinabi ng Kawikaan 3:9-10 “Parangalan mo si Yahweh sa pamamagitan ng iyong mga kayamanan, at mula sa iyong mga pinakamainam na ani, Siya ay iyo ring handugan. Sa gayon kamalig mo ay lagi nang aapaw, sisidlan mo ay hindi matutuyuan.”

Syempre hindi naman pwede na hindi mo maramdaman ang iyong pinaghirapan, kayadapatmaglaanngkauntingbahaging budget para sa iyong sarili. Matapos mapangasiwaan ng maayos ang pera at mapaglaanan ng budget ang mga pangangailangan, dapat lang na bigyan din ng kasiyahan ang sarili.

Kapag taas noo mo nang masasagot ng OO ang mga ito, ay siguradong hindi na kukulangin ang iyong budget. Matututo kang disiplinahin ang iyong sarili at mamuhay ayon sa magkano ang iyong kinikita.

Tayong lahat ay excited sa tuwing araw ng sweldo, kaya nga tayo nagtatrabahoparamaibigaynatin

angpangangailanganngatingpamilya,‘di ba. Nandiyang excited tayo sa pag-iisip kung pwede na bang mapalitan ang butas mong sapatos, o kaya naman pwede na bang mabilhan ng bagong bag si Junjun, o bagongLEDTVmanlangsimisisomister.Pero paano na lang kung wala pa ang araw ng sweldo ay naipangako mo na sa iba ang laman nito? Bayad sa utang sa credit card, utang kay Aling Lusing, nakasanla ang ATMcardsabumbay,atibapa.Teka,mukhang taga-withdraw ka na lang yata ngiyongpinagpagurann’yanatmukhangkulangpaanglamanngATMcardmosamga dapat mong bayaran.

Ano ang dapat mong gawin? Maiisip mo ah, dapat ma-promote ako sa trabaho para lumaki ang sweldo at mapagkasya ito. Tamanamanito,peropaanokungilangpromosyon na ang dumaan ay palagi pa ring kulang. Baka naman nasa iyo na ang problema at wala sa iyong kinikita. Malaking problema ito. Nais mo bang malaman kung tama ang iyong paghawak ng pera? Narito angilangkatanunganattipsupangmai-ayosang paghawak ng iyong kinikita.

May nakatakdang budget ka ba? Ilang libro na ba ng Financial Management

Leaders’ Edge

KULANG PA RIN BA?

Ni Harry D. Dalanon

Sanggunian: http://www.christiananswers.net/q-

eden/wise-spending.html


Leaders’ Edge

I

MY JOBHATE

You hate your job. You’re thinking of quitting. You are not happy and you find that you have to drag yourself

out of bed every morning so you can go to work. If you feel you’re being trapped in this situation then today’s message is for you.

Having a job you hate is never easy but sometimes you just need to grin and bear it until you have another gig lined up. Here are some productive things you may want to do:

1. START THE DAY WITH SOMETHING POSITIVE. Your daily morning ritual is extremely important. Start with being positivebydoingsomethingpositive.Gotobed early and wake up early so you will have timetostartthedaywithquietmeditation.Orbyrecitingasimpleprayer.Youmaywantto set your alarm to play upbeat or classical music,haveawonderfulsipofcoffeeandreadasectionofaninspirationalbookandwhen you improve your mornings, you will be surprised at how this can do wonders for the rest of your day. Going into a job you hate will be worse if you get to the officefeelingrushed,stressedandfrazzled.Set aside some moments of solitude each morning.2. KEEP YOUR EYES ON THE PRIZE. It is not truethateverythingaboutyourjobstinks.You are not working in the sewage are you? Donotexaggerate.Therewillalwaysbesomething out there in your work life that

will make you happy. So make weekly goals to help you achieve those goals. But be careful with your daily goals too. Do one thing each day to help you reach your goals. Do not be too obsessed with crossing all youritemsoffyour“To-do-list”everydaybecausethiswillfrustrateyou.Sometimesitiseasiertomakeitto5o’clockwhenyoucan keep your eye on the prize. When you getupinthemorning,setadailyobjectivefor yourself and make sure you achieve it. Thiswillgiveyouasenseofaccomplishmentand keep you feeling good about your progress.3. DEVELOP YOUR SKILLS. You may not love your job for the moment but do not rot. Use yourtimetolearnnewskills.Thiswayyouareputtinginyoumorevalueandworthandpreparingyourselftobeabettercandidatedowntheroad.Attendyourcompanytraining courses, learn something new on your computer. Read books. Listen to tapes duringlunch.Turnthisjobthatyouhateinto an opportunity for personal growth and improvement. 4. EXERCISE. Your problems and challenges become bigger than life when you are weak andunhealthy.Sogotothegym.Run.Takeanicelongwalk.Puttheseactivitiesinyourschedule so that you will have something to look forward to every day.5. CELEBRATE. Findlittlewaysoftreatingyourself. Celebrate your victories. You beat the deadline. Your boss compliments you. Findoutwhatmakesyoufeelbetterinside,

nomatterwhatisgoingonoutside.Planoutyournextvacation.Joinasmallgroup.I know so many young people who are involved with Bible study groups and they reallylookforwardtotheirweeklymeetings.I guess here they all meet together and pray that God be merciful with their bosses. (joke….don’ttakemeseriouslyhere…..)6. IMPROVE YOUR PERFORMANCE. It doesn’tmatterwhetheryoulikeyourjobor you hate it. You must make it your goal to go to the next level and excel in what you do. Never for a moment think that just because you are employed you are working for somebody else. Your current accomplishments will be your equipment in futureopportunities.7. ALWAYS BE POSITIVE. Do not let your unhappiness in your job destroy your relationshipwithpeople.Maintainyourcontactsandkeepyourrelationshipspositive.Andthisincludedthebossyouloveto hate. Realize that this too shall pass. Keep your chin up and be a professional.If you are faithful in the small things then big things are bound to come.

Helen Keller says: “Keep your face in the sunshine and you can never see the shadow.” Believe me, there is sunshine even in your cubicle.

By: Francis Kong

Source: http://franciskong.com


References: http://wealthwisdomandsuccess.comwww.preachology.comwww.thepracticeofleadership.nethttp://EzineArticles.com/2459435http://johnmaxwellonleadership.com/2010/04/20/are-you-driven-by-emotion-or-character/http://brucemctague.com/character-and-leadership

Be TrustworthyAsCollinPowellsaid,Trustistheessenceof leadership. So how can you become a trustworthy leader? First, you must have competence;itisthefirstreasonwhyyouareinyourpositionbytheway.So,itisyourcompetencefirstthatattractsyourfollowers.Ofcourse,don’tforgettoenhanceyourcompetenceastimegoesby.Second,you must have integrity; it is as simple as being honest with all your dealings. Learn to apologize when you are wrong. Being a leaderdoesn’tmeanthatyouarealwaysright.BerighteousaccordingtoGod’seyesand He will help you make things right beforeman.Third,knowhowtorespect; respect is always a two-way process; you respect people before you earn respect. It is not only about you being respected but it is also how you respect others. Lastly, you must have consistency;okay,let’ssayyou demonstrated competence, integrity and respect, but if it is not consistent, it will surely be blown away. You have to be consistent in everything you do. No one would like to follow a leader that is trustworthy one moment and unpredictable the next days.

Be passionate on the visionPassion is contagious. Let your team feel your passion and let them emulate it. If you have genuine passion for the vision of theorganization,youwillhelpyourteamexpand their vision too. By doing that, you can also help your people to believe that theycanattainmore.Youcanworktogethertowards one vision and goal. It would be easier for you to make them follow because they support the vision.

Become a good communicatorLearn to explain things well to allow your teamtohaveafirmgraspoftheideasthatyou are trying to convey and how to make thingsdone.Also,don’tforgettogenuinelylistentothem.Communicationtakesplace

NO HOLDIN

G BACK

BUILD

ING C

HARACTER

BUILD

ING LE

ADERSH

IPInleadership,titlesshouldnot

stand alone. It should be backed up withcharacter-acharacterthatmotivateandinspireyourteam.Yourtitlecanhelpyou start with your leadership, but only characterwillletyousucceed.Itdoesn’tmatterifyouareleadingateamoftwopeople,anENTREPcenterof30,oranentireorganizationofthousand.Thebottomlineis,anyone can be a leader, but only those who have character can be a great one. I know yournextquestionwouldbewhatarethecharacteristicsthatallgreatleadersshare?Now, to help you with that, here are some tipsthatwouldhelpyoubecomeagreatleader.

only when your team understands what you are trying to say. As a good communicator, you should know your audience, you must be conscious of how and what you are going to communicate with them.

Think of your peopleLeadersdon’tjustthinkofthemselves,theyalso think of how to elevate their people andtheentireteam.Inspirethemtotakeactionandenhancetheircapacity.Thinkabout their strength and how to maximize it. Do not try to do everything yourself, trust your people, it should always be teamwork. Your people will appreciate your willingness to trust them.

Leadership is a magnetic personality that

can just as well be a glib tongue. It is not

“making friends and influencing people,”

that is flattery. Leadership is lifting a

person’s vision to higher sights, the raising

of a person’s performance to a higher

standard, the building of a personality

beyond its normal limitations.” –

Peter F. Draker

Remember that character creates trust and trust makes people follow – that is leadership.Leadershipisdifferentfrommanagement, though manager should provide leadership, not all leaders are managers. Leadership is actually about people skills and working towards what is rightforthebenefitoftheorganizationandits team.

Everyone is a leader, hence, we are encouraged to be a character driven leaders…

Don’tjustlead…developacharactertolead!

Leaders’ Edge

Do youstillremember the best leader you’veeverworked for? What are the traits that made that person a great leader? In the corporate world, when youareintheposition,peoplenormallylookuptoyou.Theyfollowyoubecauseyouareinthepositionto direct or manage them and you are a good leader. But what if people just simplyfollowthetitleattachedtoyour name and not with your vision andcourage?Thinkaboutit,would you be a good leader and make good leaders in the future? Or your leadership style would suck and hold back your team?

Leaders’ Edge

By: Le

a J. G

atpandan-D

omingo

In Developing the Leader Within You, John Maxwell wrote about differences between character-driven and emotion-driven people:

Do right, then feel good.

Are commitment driven.

Make principle-based decisions.

Letactioncontrolattitude.

Believe it, then see it.

Create momentum.

Ask,“Whataremyresponsibilities?

Continuewhenproblemsarise.

Are steady.

Are leaders.

Feel good, then do right.

Are convenience-driven.

Make popular decisions.

Letattitudecontrolaction.

See it, then believe it.

Create momentum.

Ask, “What are my rights?”

Quit when problems arise.

Are moody.

Are followers.

CHARACTER DRIVEN: EMOTION DRIVEN:


meansresilience;it’sthepowerorabilitytoreturn to the original form and the ability to recover readily from illness. What a great description!

For 25 years, the Kabalikat para sa Maunlad na Buhay, Inc. or KMBI, has been helping the entrepreneurial poor carryingtheflagshipprogramofholistictransformation.ItsvisionistoseeeveryindividualitreachestohaveabetterlivingandadeeperrelationshipwithGodandtherestofHiscreation.25yearsofhardship,ofperseverance,ofcontinuinghopeandendless love for the people all for the glory of God!

Let’slookbackattheearlyyearsofKMBI,fromtakingaboldstepofplantingsmallseeds of faith to what it has now become.

From a church-based ministry. Ω United Methodist Church, Valenzuela City – this

Alliance of Philippine Partners in Enterprise Development,Inc.orAPPEND,firstandoneofthelargestgroupsofChristiandevelopment NGOs in the Philippines.

KMBIandotherinstitutionsunderAPPENDnetworksharethesamesentimentsandvaluesinupliftingthelivesofourFilipinofamilies, regardless of their religious and politicalaffiliations.Anduntilnow,ithas been serving the poor by providing sustainablefinancialandnon-financialservices.

With effective approach and Ωmethodology. In 1991, it implemented theUgnayanngmgaKristiyanongMangangalakal(UKMA)projectthatbecame the prototype of the Branch Scale Up model that is being adapted in several countries worldwide. UKMA gaveopportunitiesfortheclientstomeettogether and be enriched with spiritual and leadershiptrainings.TheBranchScaleUpmodel,alsoknownasTrustBankmodel,isacombinationofGrameenconceptandseveralothermicrofinanceapproaches.

Tocreatestrongertie-up,italsoestablishedpartnershipwithOpportunityInternational(OI)Networkin1994.

Striving and growing stronger in its Ωoperations.10yearsafterKMBIcametoexistence,itinaugurateditsfirstbuildinginValenzuela City in 1995. KMBI knew that in order to survive and see its vision through, itmusthavesolidfoundationinthefieldofoperationsthatiswhyithasformulatedits 11-year plan to establish branches in Northern and Southern Luzon and in Mindanao. It has never gone weary in improvingitsoperationsasitcontinuouslyseek every opportunity to be of service to every Filipino family. Up to date, it has been operatingin71brancheswithfivemegabranchesnationwide.

Living with standards and excellence. Ω For more than a decade, KMBI has been receivingawardsandrecognitionsfromdifferentinstitutionsforitsexemplaryworkandundyingdedicationtoservethepoor.Itconstantlyredefinesitsstructuresandprocessestobeofbetterservicetopeoplebothforitsclientsandstaff.AndwiththerecentISO9001:2008certificationin2010,itiscommittedtomaintainingand/orimproving its processes.

Yielding but not breaking. Ω Several disasters have hit its program members and staff;challengesareupeverynowandthen.

But KMBI remained strong, not withdrawing from its advocacy to pressing towards a betterfutureforeveryone.

Exists to glorify God. Ω Proverbs19:17says, “Whoever is kind to the poor lends to the LORD, and he will reward them for whattheyhavedone.”KMBI,throughGod’sgrace,hasbeenactiveandunwaveringinachieving its goals and in making God known tothem.Thepoorwillrealizetheexistenceof the Holy One if they will experience how to be loved and be taken care of. And this is the driving force of every individual behind the name, KMBI.

KMBI,startingfromitsfieldpersonneltotheofficepersonnel,tothemanagementanddirectors,totheBoardofTrustees,areallmotivatedtoservebyonethingandthatisto serve the Lord by serving the poor people of the country.

Truly,silverisoneofthefinestmetalsthatsignifiesvigorandvibrancy.AsKMBIcelebrates its 25th year of existence, the organizationwillcontinuetosoarhighandreach out to more and more Filipinos all for the glory of God.

birthedtheendlesspossibilitiesforKMBIwhen it started as a church-based credit program in 1985, only catering to its membersduringthattime.Itonlyhadoneworker in a six-square meter working area.

Oneofitsfirstfounderswhothoughtoftheconcept was the late Aurelio “Jun” Llenado, Jr.HewasworkingthenasbankexecutiveofficerinBangkoSentralngPilipinas(CentralBankofthePhilippines).Togetherwiththeotherfirstfour,whichincludeDra.AmeliaGonzales, Noel Alcaide and Emmanuel “Ka Emmy” De Guzman, they responded to the call of God, which is to share His love and see the poor people live in abundance.

KMBI’shearthasalwaysbeenforthepoor,helpingandequippingthembothfinanciallyand spiritually.

As a non-stock, non-government Ωdevelopment organization. It was in 1986 when it was formally launched as anorganization.Itonlyhadlessthan50clientswhoreceivedfinancialaidfromKMBI.Fouryearslater,itmadeatie-upwith

SILVER – it has long been prized as a precious metal, perhaps one of the most commonly known chemical elements in the world.Ifonehearssilversounds,it’sclearandsoft.Ifit’ssilvertongue,itiseloquentandpersuasive.Andwhenit’saboutsilver,itindicatestwenty-fiftheventofaseries.

BasedonNorthwestTerritorialMint,“Diversityissilver’sprimaryasset.Itsuniquepropertiesincludebeauty,strength,sensitivitytolight,malleabilityandductility,electricalandthermalconductivity,reflectivityandtheabilitytoendure extreme temperature changes.” Malleabilitymeansflexibilitywhileductility

|

The Footprints of Decades of Service Against Poverty

Communi-K • vol. 8 no.1 |“Level Up: Next Gen” (John 15:16) 1312

By Rose Ailene R. Peña

Reference: http://bullion.nwtmint.com/silver_uses.php


meansresilience;it’sthepowerorabilitytoreturn to the original form and the ability to recover readily from illness. What a great description!

For 25 years, the Kabalikat para sa Maunlad na Buhay, Inc. or KMBI, has been helping the entrepreneurial poor carryingtheflagshipprogramofholistictransformation.ItsvisionistoseeeveryindividualitreachestohaveabetterlivingandadeeperrelationshipwithGodandtherestofHiscreation.25yearsofhardship,ofperseverance,ofcontinuinghopeandendless love for the people all for the glory of God!

Let’slookbackattheearlyyearsofKMBI,fromtakingaboldstepofplantingsmallseeds of faith to what it has now become.

From a church-based ministry. Ω United Methodist Church, Valenzuela City – this

Alliance of Philippine Partners in Enterprise Development,Inc.orAPPEND,firstandoneofthelargestgroupsofChristiandevelopment NGOs in the Philippines.

KMBIandotherinstitutionsunderAPPENDnetworksharethesamesentimentsandvaluesinupliftingthelivesofourFilipinofamilies, regardless of their religious and politicalaffiliations.Anduntilnow,ithas been serving the poor by providing sustainablefinancialandnon-financialservices.

With effective approach and Ωmethodology. In 1991, it implemented theUgnayanngmgaKristiyanongMangangalakal(UKMA)projectthatbecame the prototype of the Branch Scale Up model that is being adapted in several countries worldwide. UKMA gaveopportunitiesfortheclientstomeettogether and be enriched with spiritual and leadershiptrainings.TheBranchScaleUpmodel,alsoknownasTrustBankmodel,isacombinationofGrameenconceptandseveralothermicrofinanceapproaches.

Tocreatestrongertie-up,italsoestablishedpartnershipwithOpportunityInternational(OI)Networkin1994.

Striving and growing stronger in its Ωoperations.10yearsafterKMBIcametoexistence,itinaugurateditsfirstbuildinginValenzuela City in 1995. KMBI knew that in order to survive and see its vision through, itmusthavesolidfoundationinthefieldofoperationsthatiswhyithasformulatedits 11-year plan to establish branches in Northern and Southern Luzon and in Mindanao. It has never gone weary in improvingitsoperationsasitcontinuouslyseek every opportunity to be of service to every Filipino family. Up to date, it has been operatingin71brancheswithfivemegabranchesnationwide.

Living with standards and excellence. Ω For more than a decade, KMBI has been receivingawardsandrecognitionsfromdifferentinstitutionsforitsexemplaryworkandundyingdedicationtoservethepoor.Itconstantlyredefinesitsstructuresandprocessestobeofbetterservicetopeoplebothforitsclientsandstaff.AndwiththerecentISO9001:2008certificationin2010,itiscommittedtomaintainingand/orimproving its processes.

Yielding but not breaking. Ω Several disasters have hit its program members and staff;challengesareupeverynowandthen.

But KMBI remained strong, not withdrawing from its advocacy to pressing towards a betterfutureforeveryone.

Exists to glorify God. Ω Proverbs19:17says, “Whoever is kind to the poor lends to the LORD, and he will reward them for whattheyhavedone.”KMBI,throughGod’sgrace,hasbeenactiveandunwaveringinachieving its goals and in making God known tothem.Thepoorwillrealizetheexistenceof the Holy One if they will experience how to be loved and be taken care of. And this is the driving force of every individual behind the name, KMBI.

KMBI,startingfromitsfieldpersonneltotheofficepersonnel,tothemanagementanddirectors,totheBoardofTrustees,areallmotivatedtoservebyonethingandthatisto serve the Lord by serving the poor people of the country.

Truly,silverisoneofthefinestmetalsthatsignifiesvigorandvibrancy.AsKMBIcelebrates its 25th year of existence, the organizationwillcontinuetosoarhighandreach out to more and more Filipinos all for the glory of God.

birthedtheendlesspossibilitiesforKMBIwhen it started as a church-based credit program in 1985, only catering to its membersduringthattime.Itonlyhadoneworker in a six-square meter working area.

Oneofitsfirstfounderswhothoughtoftheconcept was the late Aurelio “Jun” Llenado, Jr.HewasworkingthenasbankexecutiveofficerinBangkoSentralngPilipinas(CentralBankofthePhilippines).Togetherwiththeotherfirstfour,whichincludeDra.AmeliaGonzales, Noel Alcaide and Emmanuel “Ka Emmy” De Guzman, they responded to the call of God, which is to share His love and see the poor people live in abundance.

KMBI’shearthasalwaysbeenforthepoor,helpingandequippingthembothfinanciallyand spiritually.

As a non-stock, non-government Ωdevelopment organization. It was in 1986 when it was formally launched as anorganization.Itonlyhadlessthan50clientswhoreceivedfinancialaidfromKMBI.Fouryearslater,itmadeatie-upwith

SILVER – it has long been prized as a precious metal, perhaps one of the most commonly known chemical elements in the world.Ifonehearssilversounds,it’sclearandsoft.Ifit’ssilvertongue,itiseloquentandpersuasive.Andwhenit’saboutsilver,itindicatestwenty-fiftheventofaseries.

BasedonNorthwestTerritorialMint,“Diversityissilver’sprimaryasset.Itsuniquepropertiesincludebeauty,strength,sensitivitytolight,malleabilityandductility,electricalandthermalconductivity,reflectivityandtheabilitytoendure extreme temperature changes.” Malleabilitymeansflexibilitywhileductility

|

The Footprints of Decades of Service Against Poverty

Communi-K • vol. 8 no.1 |“Level Up: Next Gen” (John 15:16) 1312


Reference: http://bullion.nwtmint.com/silver_uses.php


Leaders’ Edge

Ashumans,wearecomplexbeings.Godgaveusspiritualgiftsthatwouldenable us to be in service for God and to others. Everyone were given at leastonegiftfromtheHolySpirit,whileotherscanhavetwoormore,butalotofpeoplefindithardtotuneinortodiscoverthesegifts.Althoughthere

areseveralspiritualtestsavailableonlinetohelpyoudiscoveryourgifts,there’snosingletestthatcanvalidatethesegifts.ItactuallytakesanefforttodiscoverandlearnthemeanstouseitaccordingtoGod’spurpose.Tohelpyoufindyourwaytothelosttreasure–yourspiritualgift,letusfirstgothroughthedifferenttypesofSpiritualGiftsandidentifyyourselffromanyofit.

By Amy Magpayo

The Way to Discover your Spiritual Gift

Communi-K • vol. 8 no.1

HUNTING YOURLOST TREASURE

14


Leaders’ Edge

Spiritual Gifts

Administration - ThegiftofAdministrationisthedivineenablementtounderstandwhatmakesanorganizationfunction,andthespecialabilitytoplanand execute procedures that accomplish the goals of the ministry. A person with thisgiftcandevelopstrategiesorplanstoreachidentifiedgoals,assistministriestobecomemoreeffectiveandefficient,createorderoutoforganizationalchaos,manageorcoordinateavarietyofresponsibilitiesto accomplish a task, and organize people, tasks, or events.

Celibacy -ThegiftofCelibacyisthedivine enablement to some members of the Body of Christ to remain single and enjoy it; tobeunmarriedandnotsufferfromsexualtemptations.

Discerning of Spirits-ThegiftofDiscernment is the divine enablement to distinguishbetweentruthanderror.Itisabletodiscernthespirits,differentiatingbetween good and evil, right and wrong.

Exhortation-ThegiftofExhortationisthe divine enablement to present truth so astostrengthen,comfort,orurgetoactionthose who are discouraged or wavering in their faith.

Exorcism -ThesupernaturalabilityGodgives to certain believers to cast out demons and evil spirits.

Faith -ThegiftofFaithistoactonGod’spromiseswithconfidenceandunwaveringbeliefinGod’sabilitytofulfilHispurposes.

Giving -ThegiftofGivingistheabilityto contribute money and resources to the work of the Lord with cheerfulness and liberality.Peoplewiththisgiftdonotask,“How much money do I need to give to God?” but, “How much money do I need to live on?”

Healing -ThegiftofHealingisthedivineenablementtobeGod’sinstrumentfor restoring people to wholeness. Demonstrate the power of God, bring restorationtothesickanddiseased.

Helps -ThegiftofHelpsistoaccomplishpracticalandnecessarytaskswhich free-up, support and meet the needs of others. Serve behind the scenes whereverneededtosupportthegiftsandministries of others.

Hospitality -ThegiftofHospitalitytocare for people by providing fellowship, food and shelter. Provide an environment where people feel valued and cared for and set people at ease in unfamiliar surroundings.

Intercession -ThegiftofIntercessionis to consistently pray on behalf of and for others,seeingfrequentandspecificresults.Feel compelled to earnestly pray on behalf of someone or some cause and exercise authorityandpowerfortheprotectionofothers and the equipping of them to serve.

Interpretation of Tongues -ThegiftofInterpretationofTonguesisthedivineenablement to make known to the body of Christ the message of one who is speaking on tongues.

Leadership-ThegiftofLeadershipistocastvision,motivate,anddirectpeopletoharmoniously accomplish the purposes of God.

Mercy-ThegiftofMercyistocheerfullyandpracticallyhelpthosewhoaresufferingorareinneed.Mercyiscompassionmovedtoaction

Miracles-ThegiftofMiracleWorkingistoauthenticatetheministryandmessageofGodthroughsupernaturalinterventionswhich glorify Him.

Missionary -ThegiftofMissionaryisthe divine enablement to minister in their spiritualgiftednessinasecondculture.Enjoyothercultures,oftenhavefriendsinothernations,mayspeakaforeignlanguage, enjoy travelling, and are willing to assimilate in another culture.

Prophecy-ThegiftofProphecyisthedivine enablement to reveal the truth and proclaimitinatimelyandrelevantmannerforunderstanding,correction,repentanceoredification.

Teaching-ThegiftofTeachingistounderstand, clearly explain and apply the word of God, causing greater Christ-likeness in the lives of listeners.

Tongues -ThegiftofTonguesisthedivine enablement to speak, worship or pray in a language unknown to the speaker.

Voluntary Sacrificial Life-ThegiftofMartyrdom is the divine enablement to undergosufferingforthefaitheventodeathwhile consistently displaying a joyous and victoriousattitudethatbringsglorytoGod.

Ministerfearlesslyandfruitfullyinsituationsof great danger without complaint.

Word of Knowledge-ThegiftofWordof Knowledge is to bring truth to the body througharevelationorBiblicalinsight.

Word of Wisdom-ThegiftofWordofWisdomistoapplyspiritualtrutheffectivelytomeetaneedinaspecificsituation.

Now,doyouidentifyyourselfinanyofthelistedspiritualgiftsabove?Orareyouthornbetweentwoormoregifts?Tohelpyou fully understand your own spiritual gift,herearesomestepsforyoutoexplorefurtheryourowngifts.

Pray - Envelop the whole process inprayer.TheLordwillleadyoutoanidentificationofyourgift(s)ifyouallowHim to guide and direct you in all your endeavors. Sincerely ask the Lord to show youyourgiftandhowtouseitforHisglory.

Observe -Spiritualgiftsareactuallynot hidden, though some of them are supernatural. Start observing what comes to you naturally. It can be something that you always do or exercise in your daily life or something that just come when it is needed. Sinceyourawarenesstospiritualgiftisstilllimited, you are not able to recognize it

Hunting Lost.../p.23

LOST TREASURE


Cover StoryCover Story

Communi-K • vol. 8 no.1 1716

Tandaan ninyo, ang kagustuhan ng Diyos ay mamunga, mas mamunga, at ang bunga ay tumagal.“

”Everyorganizationhasitsownarrowsodoes every individual. But how will we integrate ourselves among others

who also have their own personal goals? How can we grow with them?

During the annual general assembly held on January 2011, we are reminded that,whatGodwantsisforustobefruitful,to bear more fruits and these fruits should last.Thethemeversethisyear,thatisanchored to John 15:16, explains why every person,thoughhe/shemayhavehis/herown endeavor, should seek other peoples help and mingle with them in order to surviveandbemoreproductive.Asuniqueindividual,eachhashis/herowntalents,strengths and weaknesses and it is human nature that we desire something good for ourselves. We plan for our future; we think ofbetterthingstocome;welookforwardto achieving all of them. However, can we arrive from one point to another without anycircumstanceofmeetinganotherperson?

Each one of us is compared to a wild plant in the midst of the forest. People come and go leaving that wild plant unnoticed.Gardeningisthepracticeof


live alone. Man needs other people to take care of him, to encourage him, to challenge himandtogrowwithhim.It’sthebeautyofhavingameaningfulrelationshipwithone another. And this is one of the secret ofkeepinganorganization.Eachcomponentperformsitsdutieswellandtogether,resultsareevenbetter.Thougheachoneisdifferentinhis/herownway,headingtowardsonedirectionandbearingfruitsthat last means a more viable, sustainable, andstableorganization.


LEVEL UP! Next GenAiming Towards One Direction

Cover Story

|“Level Up: Next Gen” (John 15:16) 1716

In this organization, we allow the managers to manage and develop our skills. This is the WE arrow.

Whenthewildplantcontinuouslygrows and bears more fruits, it become sustainable.Andthesefruitslast.Thisis the landscapingstage.Togetherwiththe other plants, it grows more and even

becomesmorebeautiful.Samethingwithus, if we go together towards one direction, all of us will become productive and efficient. From the WE arrow, it becomes the US arrow.

It’struethateveryindividualisuniquein his own way. But God created man not to

This is the potting stage – the ME arrow. Just like the wild plant, we also need someone to look after us – to prepare us for something better.Thispersonorgroup ofpersonsseesourpotentialuntilweareable and our talents are made VIABLE for anyone to see from the outside arena.

Afterthepottingstagecomesthegardening stage. We are taken out of our shelves to mingle with others and complementeachother’sstrengthsandweaknesses just like the wild plant when it is ready and can survive with the others. From being able, we make ourselves sustainable. We bear more fruits because of the relationshipandinterdependencewehavewith the other groups.

growing plants; of tending a garden while gardener is one who works in or tends a garden.Thisgardenertakescareoftheplantsandsometimesprunesthemifheneedstosoitcangrowbetterandbearmorefruits.Thewildplantissegregatedamong the others to give more room to growonitsownwithoutaffectingotherplants and vice versa.


WALANGOne click

RelationshipMatters

Sa panahon ngayon, sabi nila teknolohiya na daw ang pinakamahalaga. High-tech

na nga naman kasi ang lahat. Lahat na lang pwedeng gumalaw sa isang pindot, isang click o kaya ay pa-touch-touch na lang–lahatotomatik.Isanalangyataanghindimaaaringmagingotomatiko–angpagbuongisangmabutingrelasyonsakapwa. Kagaya ng teknolohiya, isa ito sa pinakamahalagasaatingbuhay.

May mga pag-aaral sa ibang bansa ang nagsasabing ang dahilan ng pagreresign ng empleyado sa isang trabaho ay ang hindi magandang relasyon sa boss at ka-trabaho at ang paglilipat ng empleyado sa ibang proyekto. Ayon ito sa pag-aaral sa walong organisasyon at 1000 empleyado. Naalala ko tuloy ang sinabi ni Joel Clavecilla naBranchManagerngTandangSorabranch sa isang interview, sabi nya, sa kanyangpalagayangmgastaffokliyentena nagreresign ay iyong mga taong hindi napakisamahan ng maayos ng kanilang pinuno.NapakahalagarawngrelationshipayonkayClavecilla,dahilangtrabahonatinay tungkol sa tao at hindi robot.

Paano na lang kung kada anim na buwan ay nagreresign ang empleyado at kliyente mo? Ganito kahalaga ang relationship,kayanitongsumiraogawingtagumpay ang isang sentro, grupo, pamilya, negosyo o organisasyon. Ngayon, ano ang estado ng relasyon mo sa iyong empleyado, kliyente o pamilya? Matagumpay ka ba o naghihintay ka pa rin ng teknolohiya para magingotomatikoito?

Upang matulungan ka sa iyong pakikipag-kapwa, narito ang ilang paraan

upang mas maging malalim ang inyong samahan:

Buksan ang komunikasyon.• Pwede mo itong gawin sa pormal o impormal na paraan,halimbawasamgameetingsokaya naman sa mga simpleng kwentuhan, pwede kang maglahad ng personal mong experiences na pwedeng maka-relate ang iyong team. Kapag may mga nagtatanong sayo kahit gaano ka ka-busy ay bigyan mo sila ng panahon na masagot ang tanong nila. Sa ganoong paraan, alam nila na madali ka nilang malapitan sa anumang oras.Daratingangpanahon,silarinmismo ay magiging bukas sayo sa kahit na anongbagay.Saloobngcentermeetingmaaaring magsimula ang komunikasyon, sabi nga ni Margie Genato, program unit supervisorngTandangSorabranch,“angisang magandang sentro ay nagmumula saisangmagandangmeeting,”parasakaniya ito ang daan upang makilala mo ang iyong mga kasama. Suportahan ang mga kasama.• Iparamdam ang suporta sa iyong mga kasama. Kung sila ay may mga proyekto, maaari mo silang tanungin kung ano ang maitutulong mo kahit hindi ka kasali doon. Maaari ka ring magbigay payo sa mga proyekto na kanilang ginagawa. Ito ang magbubuklod sa inyo bilang isang grupo. Iwasan din ang pagsasalita ng laban sa ibang tao, maiiwasan nito ang samaan ng loob at mas magiging motivatedangmgataosakanilangpagtatrabaho. Huwag ka ring mahiya na humingi ng tulong o opinyon sa iyong mga kasama tungkol sa iyong proyekto, sa

ganitong paraan ay mas magkakakilanlan kayo at magiging komportable kayong katrabaho ang bawat isa. Ritwal.• Hindi ko alam kung tamang tawagin itong ritwal, pero ang gusto ko lang sabihin ay magkaroon ng gestures na maaaring makapagparamdam sa ibang tao na sila ay mahalaga. Simpleng tapik sa balikat sa tuwing kayo ay nagkikita omataposangmeeting,paggawangthank you note sa mga kasama bilang pasasalamat kahit na sa maliit na bagay na kanilang naitulong sayo, beso-beso,

ENTREP 101

Communi-K • vol. 8 no.118


at marami pang iba. Naobserbahan ko itosaisangprogramassistantnatinsaTandangSorabranchnasiRamelLeyson,mataposangkanilangcentermeetingay nakikita ko na nilalapitan nya ang bawat miyembro nya at kinakamusta, bukod pa rito ang kaniyang pagtapik sa balikat.SabiniLeyson,kontingtapiklangdaw sa balikat ay nakakagaan na ito ng pakiramdam, lalo na kung marami kang problema, para daw bang sinasabi mo sa kaniya na “kaya mo ‘yan!” Mag-organisa ng gawain na walang •

kinalaman sa trabaho. Hindi naman lahat eh puro trabaho na lang, kailangan marunongdintayongmag-time-out.Time-outmunasatrabahoparamakapag-relaks. Sabi nila mas magiging open pa daw ang iyong mga kasama kung meron kayong pagkakataon na kalimutan muna ang trabaho at mag-bonding muna. Walanamansatagalngbondingtimeito,pwedengcoffeebreakomag-lunchlang kasama ang mga ka-grupo, hindi magtatagal ay makakapagpalagayan na kayo ng loob.

Tandaan,kapagangisanggrupoay natutong makisama, sila-sila mismo ang magtutulungan. Magpapalitan ng ideya, kuro-kuro at kaalaman, sabay-sabay na matututo, at sabay-sabay ring magtatagumpay. Sa pakikisama, hindi uubra ang one click!

“The single most important ingredient in the formula for success is

knowing how to get along with people.”

(Ang isang napakahalagang sangkap ng tagumpay

ay ang pagkakaroon ng kakayahang makisama. ) - Teddy Roosevelt -

Mga Sanggunian:http://www.upliftprogram.com/article_relatetip.htmlhttp://www.garfinkleexecutivecoaching.com/articles/buildingpositiverelationshipsatwork.htmlhttp://watershedsolutions.wordpress.com/2011/04/06/why-relationships-matter-at-work/http://www.rethinkingyourwork.com/2009/10/23/what-is-your-organization%E2%80%99s-tipping-point-relationships-matters/http://www.positive-attitude-tips.com/interpersonal-relations.html

|“Level Up: Next Gen” (John 15:16) 19

Communi-K • vol. 8 no.120 |BALIK - ESKWELA

Buwan ng Hunyo. Katapusan ng tag-araw at hudyat ng tag-ulan. Maulan. Malamig. Pasukan na naman.

Balik-eskwela na naman ang mahigit 24% ng mga kabataan sa silid-aralan. Hindi pa nabibilang dyan ang mga papasok sa mga pribadong eskwelahan. Ang mga paaralan atunibersidadaytilasabiknanamangakayin ang mga estudyanteng nawalay sa kanila ng ilang buwan. Ngunit, ganun din kaya ka-excited ang mga estudyanteng magbalik-eskwela?

Alamnamannatinnaisasamga“majorrequirements” sa pag-aaral ay ang paggawa ng “homework” o takdang aralin. “Homework” ang tawag sa mga araling kailangang pag-aralan o tapusin sa tahanan. Isa ito sa mga standards ng paaralan upang hubuginathasainangkaalamanatiba’tibang kakayahan ng mga bata.

Karaniwan naman na kinatatamaran itong gawin ng mga bata dahil kadalasan ay maraming distraksyon sa loob ng tahanan na higit na kukuha ng kanilang atensyon.

Kaya nga madalas ay isang malaking hamon sa magulang at mga guro paano gawing interesante ang bawat homework. Narito angilangtipsupangmahikayatangmgabatang gawin at tapusin ang kanilang mga homework:

1. Tanggalin ang ideya na ito ay isang gawaing kailangang gawin sa bahay. Mas

mahiraphikayatinangisangbatangbigyanng pansin ang paggawa ng takdang-aralin kung gagawin pa ito sa bahay dahil ito ay “extra load” pa sa kanila. Kalimitan ay mas gustongbatangmaglaro,manoodngTVo magcomputer sa halip na gumawa ng “homework.” Bagkus, palitan ang konsepto na ito ay isang oportunidad upang lalong matutunan ang mga subjects sa paaralan. Tanunginangbatakungmayroonsyangkailangan pag-aralan imbes na kung mayroon siyang inuwing gawain mula sa paaralan.

2. Iwasan ang mga maaaring makasagabal sa mag-aaral habang ito ay gumagawa ng takdang-aralin. Kung ikaw ay magulang, kailangangmagingsensitibosakalagayannginyongmgaanak.Tandaannaitoayhindi lamang isang commitment ng mag-aaral kundi ng buong pamilya. Sa halip na manood ng tv o makinig ng radyo habang nag-aaral ang inyong anak, ilaan ang panahong ito sa paggawa ng ibang bagay tulad ng pagliligpit ng kalat, paghuhugas ng pinggan o iba pang gawaing-bahay. Makakabawas ito sa anumang maaaring makakuha ng kanyang atensyon at makakatulong ito sa pagco-concentrate ng bata sa kanyang inaaral.

3. Magpakita ng suporta at malasakit sa mag-aaral. Ang homework ay hindi dapat maging isang pabigat sa mag-aaral. Hikayatinangbatanamaglaanngoraskungkailan niya gagawin ang kanyang homework. I-monitor ito upang matulungan ang bata na

maging “habit” ang pag-check at paggawa ng homework sa napag-usapang oras sa isang araw.

4. Tulungan ang bata sa kanyang homework ngunit huwag akuin ang paggawa nito. Tumulonglamangkungangbataayhumihingi ng tulong sa kanyang homework. Magbigay ng suhestyon o sitwasyon upang masmaintindihanngbataangkanyangpinag-aaralan. Ang homework ay para sa bata hindi para sa magulang na inuuwi lamang ng bata.

5. Purihin ang bata sa kanyang sariling pagsisikap na tapusin ang takdang-aralin. Malaking bagay para sa mga bata na makitaatmapurisakanyangpagtitiyagaatpagsisikap. Makatutulong ito upang higit nyangpagbutihinangpag-aaral.Iwasanang pagbibigay ng mga materyal na bagay bilang reward o kapalit sa paggawa nito ng homework. Makakasanayan lamang itonabataatmagigingepektibolamangpansamantala. Sa halip ay huwag maging madamot sa pagbibigay ng papuri kung may nagawangmabutiangisangbata.

6. Makipag-ugnayan sa guro kung kailangan. Ang paggawa ng homework ay isang “partnership” sa pagitan ng paaralan atngtahananupangmalinangnangmabutiang kahusayan ng inyong anak. Huwag mag-atubiling sumangguni sa guro ng inyong anakkungsatinginnyoaymaynakikitangproblemapagdatingsapag-aaralnginyonganak.

Tips

Sanggunian : http://www.parenting-ed.org/html/html/Homework%20Handout%20.htm: http://www.newsforparents.org/expert_motivate_kids_homework.html

Balik eskwela, Balik homeworkNi Rose Ailene R. Peña


Tips

Net GenerationSino ba sila?

maaaring hindi ka sang-ayon sa kaniyang opinyon pero subukan mo itong tanggapin at tulungan syang maging matatag ang kaniyang emosyon. Hindi magtatagal ang opinyongiyonayunti-untingmagbabago,siya rin mismo ang makakatuklas na mali iyon at ito ay dahil sa tulong mo.

Karaniwan sa mga kabataan ang nagrerebelde sapagkat hindi sila nabibigyan ng atensyon ng kanilang kapamilya. Nauuwi sa barkada at nalululong sa masamang bisyo dahil pakiramdam nila dito sila masaya, ito langangmakakaintindisakanila,atitolangang paraan para makita at mapansin sila ng kanilang mga kapamilya.

NaalalamopabaangTVcommercialniAteShawie(Cuneta)kungsaanhinihikayatnyaang mga magulang na samahang kumain ang kanilang mga anak? Ang pagkain ng sama-sama ay magbibigay daan sa mga bata lalo na ang mga teenagers na maging bukas sa kanilang mga kapamilya. Mas nararamdaman nila ang koneksyon ng bawat isa kapag sama-sama silang kumakain. Mas nakararamdam ng seguridad ang mga kabataang ito sa mga panahong palagi nilang nakakasama at nakaka-kwentuhan ang kanilang pamilya sa harap ng hapag-kainan. Kapag nawala sa kanila ang insecurity, mas magiging masayahin ito at matututong makisalamuha sa iba.

Ni Lea J. Gatpandan-Domingo

makukwentosaatinangkanilangmgaexperiences, ito man ay masaya, malungkot, kabiguanatibapa.Dapatnatinsilahayaangmagsalita. Kaya nga mas nagiging malapit silasakanilangmgakaibiganogirlfriend/boyfriend dahil dito sila nakakakuha ng atensyon na gusto nila, dito nila malayang nasasabi ang kanilang mga nais o frustrationssabuhay.

LOOKNgayonnanagawamongitigilangiyongginagawa para bigyang atensyon ang teenagernaito,masmagandangtingnanmo siya sa kaniyang mga mata habang siyaaynagsasalita.Alamnamannatinangkahalagahan ng eye contact sa pakikipag-usaphindiba?NapakaramingdistractionssapaligidgayangTV,mobilephone,atibapa, mas maganda kung sa kaniya mo muna ibibigay ang buong atensyon at hindi sa mga bagay na pwede naman ipagpaliban. Mas nararamdaman nila na sincere ka sa pagtanggap mo sa kaniya at sa kaniyang mga sasabihin.

LISTENPakingganmabutiatintindihinangkanilangmga sinasabi. Mas maganda rin na lalo mopasyanghikayatinnailahadsaiyoang kaniyang mga experiences. Habang nakikinig, huwag mo syang husgahan, pulaan, pigilan sa pagsasalita, o kaagad-agad mong pagagalitan. Subukan mong intindihinangkaniyangmgasinasabiat nararamdaman, at pag-aralan ang sitwasyon. Bantayan rin ang iyong mga kinikilos at facial expression habang sya ay nagsasalita dahil maaaring maging daan ito na siya ay mailang na ituloy ang kaniyang sinasabi. Irespeto mo ang kaniyang opinyon,

GenerationX,Y,Z,netgeneration...ito ang tawag sa mga henerasyon ng kabataan. Bawat henerasyon

ay magkakaiba, bawat bata ay iba-iba, may sariling paniniwala, paninindigan, at pag-iisip.Teka,saanghenerasyonbaakonabibilang? Well, masasabi kong isa ako samgaGenX(ayonsaakingpaniniwalaatayonsaWikipedia,lolz).Ganoonpaman,hindimannalalayoangatinghenerasyonsa mga kabataan ngayon, masasabi pa rinnatingibaangkabataanngayonkaysanoongatingpanahon.Minsanhiraptayongintindihinanghiligatpag-uugalingatingteenagernabunsongkapatid,pamangkin,anak, o sadya bang tayo ay tumatanda naathindinanatinkayangmaki-ridesakanilangtrip?Itonangabaangtinatawagnagenerationgap?Kadalasan,dahilsahindipagkakaintindihanaynagigingsakitnguloang mga kabataang ito dahil pakiramdam nilaayhindisilanaiintidihanngkanilangpamilya.Upangsilaaymaintindihanatmapangalagaan ang kanilang teenage years, narito ang tatlong simpleng paraan – Stop, Look, and Listen.

STOPGaanokamanka-busy,dapatnaitigilmuna ang iyong ginagawa at ibigay ang buong atensyon sa iyong teenager na anakokapatidsamgapanahonggustonilang makipag-usap sa iyo. Mahalaga sa mga teenager ang pakiramdam na sila ay pinapahalagahan dahil sila ay nasa stage na gusto nilang patunayan ang kanilang sarili. Kaya kailangang maramdaman ng mga kabataang ito na sila ay pinahahalagahan, namalayasilangmakakalapitsaatinbilangmagulang,kapatidokamag-anakparamakinig,atintindihinsila.Namalayanilang

References: http://www.preteenagerstoday.com/articles/you-and-your-children/stop-look-and-listen-4951/http://www.aboynamedxander.com/2011/06/family-that-eats-together-stays-forever.htmlhttp://troubledteensolutions.com/handling-parental-frustration-some-useful-tips/

Tips

“Level Up: Next Gen” (John 15:16) 21

Communi-K • vol. 8 no.122 || 22

Panalo ka kapag may Disiplina

Microfinance – Dito mas kilala ang KMBI. Nagpapautang daw kasi ang KMBI sa maliliit na negosyante.

Totoo naman ito, pero ano ba ang kinalaman ng pagpapahiram ng pera sa transformation program? Ang KMBI ay nagpapahiram ng pera upang mabigyan ng pagkakataon ang maliliit na negosyante na madagdagan ang puhunan at tuluyang mapalago ang kanilang kabuhayan. Sa pamamagitan nito, ang mga maliliit na negosyante ay mababago ang kanilang buhay sa aspeto ng ekonomiya. Kasama ng microfinance program ng KMBI ay ang patuloy nitong pagpapalakas ng spiritual, social, at environmental aspects ng kanilang mga empleyado at kliyente. Pumapasok ito sa lingguhang pagpupulong ng miyembro sa kanilang sentro at sa mga aktibidad na kanilang ginagawa.

Bumalik tayo ngayon sa usaping pagpapahiram ng pera. Ang KMBI ba ay tinuturuanangmamamayannamangutang?Bakitmahalagaang100%collectionozeroPAR(portfolioatrisk)?Sapagbabayadngnahiramna pera, sa KMBI man o kahit sa kapitbahay, ay napakahalaga para sa isang tao. Napakaraming aspetongatingbuhayangmababagoomaaapektuhan kung tayo ay hindi marunong magbayad. Ano ba ang mangyayari kung ikaw aylagingon-timesapagbabayad?

Maiiwasan ang pagkawala ng kredibilidad. � Kungdatiaynapakadalisa’yongmakahiramng pera kahit kanino, kapag nalaman ng marami na hindi ka marunong magbayad ng pagkaka-utang ay mawawalan ka ng kredibilidad para sa kanila. Hindi na nila ipagkakatiwalasaiyoangperangkanilangpinaghirapan dahil sa takot na ito ay hindi makabaliksaiyonghiniraman.Daratingangpanahonwalanakahitisaangmagtitiwalasa iyo. Upang hindi ito mangyari ay dapat na palaging ibalik ang nahiram na pera.Maiiwasan ang paglaki ng utang. � Sa pagbabayad sa tamang oras ay maiiwasan mong lumaki ang iyong utang, ang ibang institutionngaaynagpapatawpanginteressa bawat pagpalya sa pagbabayad. Gayong wala namang interes, ay mas lalaki pa rin ang iyong babayaran sa susunod na takdang araw ng bayaran dahil kailangan mo ngayong

doblehin ang iyong bayad upang mapunan ang isang linggo mong hindi pagbabayad. Kung ang sampung piso ay mahirap bunuin, paanopakayakungdodoblehinpanatinito.Magkakaroon ng disiplina. � Ito ang isang napakahalagang aral na gusto ng KMBI na ibahagisaatinglahat–angpagkakaroonngdisiplina.HinditayotinuturuanngKMBIna umasa sa utang, ang nais nito ay matuto tayonggamitinsatamangparaanangatinghiniram na pera. Nais nito na lumago ang atingkabuhayan.Paanobanakikitanalumalagoangatingbuhay?Syemprekungmayroon tayong kakayahang makabayad sa tamang oras at mayroon tayong kinikita. Isang senyales ito ng pag-unlad.Magkakaroon ng Peace of Mind. � Mas madaling matulog kung wala kang iniisip na pagkaka-utang hindi ba? Malaya at taas noo kang makapaglalakad sa inyong lugar na walang iniisip na baka makasalubong mo ang sisingil sa iyo. Hindi mo kailangang magsara ng bahay at magkunyaring walang tao upang hindi ka masingil. Importante ang peace of mind para sa tao, bukod sa magiging malaya ka sa iyong mga kilos, mas makakapag-isip ka pa ng maayos para sa iyong negosyo o trabaho. Maiiwasan rin nito ang madalas na pag-init ng ulo.

Tips para maging Zero PAR ang iyong sentro:

Magkaroon ng magandang pakikisama. � Mas madaling kausap ang mga taong alammongnagkaka-intindihankayo.Ibaang koneksyon lalo na kung kayo ay may pagkakaibigan, mas madali silang susunod sa iyo. Ang pakikisamang ito ay dapat na totoo sa iyong kalooban at hindi dahil sa trabaho lang dahil malalaman at mararamdaman ng kliyente kung ikaw ay hindi totoo sa iyong pakikisama. Huwag kalimutan ang lingguhang Center �Meeting. Ang kliyente ay tatamaring pumunta sa sentro kapag alam nilang wala naman silang gagawin doon. Kaya paghandaanangbawatcentermeeting.Maaari kang mag-research sa internet o mga magasin ng mga topic o gawain na sa tinginmoaymae-enjoyngiyongkliyente.Angcentermeetingayhindidapatarawngsingilan lang, dapat ito ay araw ng inyong

pagsasama-samang matuto at mag-enjoy. Palaging ipaalala sa miyembro ang �kahalagahan ng paggamit sa negosyo ng hiniram na pera. Ang perang pinahiram ay para sa pagnenegosyo, kaya dapat lang na doon ito mapunta at hindi sa iba pang bagay. Maaaring alam na ito ng kliyente pero nakakalimutanonahihikayatsilanggamitinito sa iba, kaya mas mainam na ikaw mismo ang magpapaalala kung para saan ang pera. Maaari mo silang bisitahin at kamustahin ang kanilang negosyo.Siguraduhing maliwanag ang policy ng �KMBI sa iyong mga kliyente. ‘Wag na ‘wag kakalimutang ipaalam sa miyembro na mahalagang hindi sila pumalya sa pagbabayad dahil maaapektuhan ang kanilang records. Ang hindi pagbabayad sa tamang oras ay maaaring maging dahilan ng hindi pagtaas ng halagang maaari nilang mahiram Maaari mo ring ipaalala sa mga ito ang kahalagahan ng pagbabayad at ang tamang paggamit ng perang hiniram.

Sa pagkakaroon ng disiplina sa pagbabayad ay sisikapin nilang palaguin ang kanilang kabuhayan upang kumita at makapagbayad.Unti-untiaymakikitanatinangpagbabago na ninanais ng KMBI, uunlad ang kanilang buhay. Kapag maunlad ang kanilang pamumuhay, makakatulong na rin sila sa kanilangkapwa.Daratingangpanahonnahindina nila kailangang mangutang pa dahil tuloy-tuloy na ang tagumpay ng kanilang kabuhayan. Nataposmanangatingobligasyongmapa-unlad sila ay patuloy pa rin tayong tutulong saibanghindipanatinnaaabot,hanggangsamasabinatinsaPanginoonang–Lord, mission accomplished!

MF Index

“Hindi tayo tinuturuan ng KMBI na umasa sa utang, ang nais nito ay matuto tayong gamitin sa tamang paraan ang ating hiniram na pera.”


Project Update

KMBI soon to pilot test IMEPBy Mishell M. Malabaguio

Clients Lydia Malot and LeteciaTabotabo of Metro Davao branches recently received the much awaited individual loan from KMBI. Each of them received Php150,000 loan in March 2011 as KMBI’s proactive response to their urgent needs. This individual loan is just a prelude of the actual program that will be dubbed as the Individual Microenterprise Program or IMEP.

Priortotheintervention,Malot,anatade coco contract grower, lacked capital and wasatthemercyofasupplier-financierforrawmaterials.Thedemandforherproductwas increasing but due to the high interest ratesshegetsfromhersupplier-financier,who also controls the raw materials, Malot decided to ask KMBI for help. During this time,anotherclient,LeteciaTabotabo,wasalso asking for a bigger loan amount from KMBI.

Tabotaborunsamanpoweragencywhereinsheneededadditionalrevolvingfundfortheemployees’salariesandcashadvances.ThesepushedKMBItooffertheinitialfeaturesofIMEP.

IMEPinterventionhelpedMalotincreasedherproductionandgetorders

from ProFoods Cebu and Del Monte. Most importantly, it freed Malot from her previoussupplier-financier.Tabotabo,ontheother hand, has more funds to lend to her employees. She and her husband, Rogelio were also able to channel enough working capital to their supplementary businesses.

Whiletheinterventionison-going,theactual IMEP is being developed to provide bothfinancialandnon-financialservices.Thefinancialserviceswillincludeloanpackages, capital build-up, and life and non-lifemicroinsurance,whilethenon-financialservices will include skills training, business-matchingandlinkaging,valuesformation,and business coaching and mentoring.

IMEP zero in not only on loan packages butonthenon-financialservicesthatintends to provide growth development plan for both the business and the owner. Atpresent,theProductDevelopmentTeamispreparingfortheIMEPpilottestinginDavaoCity.Theinterventiongiventothetwo clients created buzz among program membersandbranchstaff.Thus,theystarted to inquire about the program and indeedveryexcitedaboutKMBI’sIndividualMicroenterprise Program.

Davao Area Manager Hazel Laurente, Metro Davao 1 branch manager, Grace Asedillo, together with Mr. and Mrs. Letecia Tabotabo during the awarding of KMBI’s Individual Microenterprise Loan.

asagiftfromtheHolySpirit.Youcanalso study some books about spiritual gifttovalidateyourgifts.Youcanalso ask other people about your self observationsanddon’tforgettoasktheAlmightyGodforconfirmationofthegift.

Let Go of Fears - Having thesespiritualgifts,especiallythesupernaturalonesarereallyintimidatingfor some, but you have to let go of your fearsandexerciseyourgifttoserveandglorifytheLord.What’sreallyfrightening for this is when people start tousetheirgiftinthewrongway.Letgoofyourfearsbutdonotletyourgiftsmanipulate you.

Practice -Practiceyourgift(s)and get involved in ministry. By doing that, you will also discover your true passion.Ifyoubelievethatyourgiftis“Helps,” then go and help people in your ministry, or work somewhere where your help is greatly needed. You would feelgreatfulfilmentindoingso.

Discoveringyourspiritualgiftisreallyimportant but it should not end by simply discovering it, you should practiseit.Therearepeopleouttherewhoarelessofnaturalgiftbuttheybecomebetterthanthosewhoarenaturallygiftedbecausetheyhavedetermination.So,asdeterminedChristians,weareencouragingyoutoexploreyourspiritualgifts,learnGod’sWord,andpractise.

References:http://www.enewhope.org/spiritualgifts/report.phphttp://www.spiritualawakeningprocess.com/2011/06/discovering-your-spiritual-gifts.htmlhttp://spiritualgifts.wordpress.com/2010/09/09/searching-for-my-spiritual-gifts/http://mintools.com/gifts.htmhttp://www.biblegateway.com/passage/?search=1%20cor.%2012:4&version=NIV; NLT; NASB; http://ebcrochester.org/misc/php/LifeWaySpiritualGiftsSurvey.php;Every Nation Leadership Institute; Lifeway Christian resources

Hunting Your... From p.14


Indicators

Loan Activity

Client Outreach 260,155

LoanPortfolio P662M

Value of Loans Made P1.1B

Portfolio-at-Risk 11.78%

Ave. No. of Client per PA 259

No. of Loans Made 183,985

Energizing the Agricultural Sector of Koronadal, South Cotabato

Project Update

Efficiency

Cost per Unit of Money Lent* Php 0.22

Cost per Loan Made* Php1,337.25

FinancialSelf-Sufficiency 92.22%

OperationalSelf-Sufficiency 97.32%

Number of Staff

MFOperations 1205

Support Group 89

The prototype test of KMBI’s Agricultural Microfinance Program benefited a total of 17 clients for the cropping period of November 2010 to March 2011. Communities reached are Barangays Carpenters Hill and Sarabia of Koronadal City, South Cotabato.

Farmer partners enjoyed the program packageoffinancialandtechnicalassistanceintendedtostimulatechangeintheirwayoflife. Realizing that KMBI cannot do development work on its own, networks are built with the KoronadalCityAgricultureOfficeandPhilippineCropInsuranceCorporation(PCIC)RegionalOfficeXI.EmelitaMiguel,EricMiguelandagricultural technicians of Koronadal contributed through trainings on organic agriculture and onsite technical assistance; while the PCIC team

led by Bonifacio Pales provided informationonbenefitsofcropinsurance and conduct of damage assessmenttoaffectedfarms.

Despite the challenge of pests andcalamities,theprogramhasa100% repayment rate for the loans provided to the partners. 82% of farmerswerebenefitedwithclaimsfor indemnity from PCIC because of the damages caused by rats and lodging.Theamountawardedtoeachfarmerisestimatedat17%oftheirproductioncost.

Throughfeedback,farmerpartners disclosed that they are

happytohavetheaccesstoalternativericeproductionfinancingwithlowerinterestrates.Theyallhadthelibertytochoosewhichtraderto sell their produce. Comparing with market pricesfromthepreviousharvest,farmers’sales showed a 10% increase on price per kilo.

EighteenfarmerscontinuedwiththeAgri-MF Program for the April cropping schedule; of whom four applied for expansion and was awarded with loan increases. During aconsultationmeeting,farmerpartnerswere challenged to do more for their family, for their community, and for their sector. Currently, they are undergoing a series of strategic planning workshops to rise up to that need.

Koronadal farmer partners threshing harvested rice crops.

Organizational Performance2nd Quarter 2011

*Peso-dollar conversion as of June 2011 & Change rate – Php 43.49

Our Vision“To see people in

communities live in abundance with strengthened

faith in God and in right relationship with their

fellowmen and the rest of creation”

Our Mission“KMBI is a Christ-centered development organization,

existing to help transform the lives of its clients by providing

sustainable microfinance, training & demand driven non-financial services”

Core ValuesRespectIntegrity

StewardshipCommitment to the Poor

DisciplineInnovationExcellence

Goal 25.250“Reaching out to 250,000 Filipino households on our

25th year”

Kabalikat para sa Maunlad na Buhay, Inc.Head Office: KMBI Bldg., 12 San Francisco St.,

Karuhatan, Valenzuela CityTel (02) 291.1484 to 86 l Fax (02) 292.2441

http://www.kmbi.org.ph

1st and 2nd Quarter Communi-k

Documents

Transcript of 1st and 2nd Quarter Communi-k