Communi-k 2011 - 3rd Quarter

1|“Level Up: Next Gen” (John 15:16)

VOL 8 NO 2

communi-k

Soldier of DisciplineINSIDE:

Networking:Ano ito at bakit ko ito kailangan

Green Is the Color of Worship

Gusto kong ma-promote

Staying Positive in a Negative World

KMBIISSN 2243-8939

Work On What Is

VITAL

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communi-k

2 | Communi-K • vol. 8 no.2

Santi ago branch sponsors feeding program

Guagua branch att ends “Winning Atti tude at Work” Seminar

Davao clients join Agro-Trade fair

Koronadal grooves at the KMBI dance festi val

Naga branch aids clients aff ected by Juaning

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Almost 150,000 seddlings planted nati onwide through

Lunti an Kinabukasan Project

399 KMBI program members aff ected in Davao fl ash fl ood

EDS delivers Livelihood training to 34 branches

Kalusugan ay Kayamanan Campaign assist 1,024 PMs

Group loan operati ons monitor returning clients

KMBI joins Bicol MF Summit and Trade Fair

MI strengthen client protecti on

Providing medical access to the community Page 7

Humiliation? Failure? Rejections?How can we possibly remain focused in the face of life’s challenges Page 12

N E W S

PATH System switches on 2012

EISTOP automates accounti ng system

KMBI conti nues to be ISO 9001:2008 Certi fi ed

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P R O J E C T U P D AT E S

L E A D E R S ’ E D G E

C O V E R S T O R Y

Face to Face (Harapin ang problema)

Gusto kong ma-promote!

Say Goodbye to those Panda Eyes

10 Beauty crimes

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T I P S

Soldier of Discipline16

F E AT U R E S T O R Y

VOLUME 8 NO2 3rd QUARTER 2011

IN THIS ISSUE

Feeling ti red of going to work everyday? Learn from the perseverance of Alejandro dela Cruz on how to remain energized at work P. 26

Level Up: Work on What is Vital 14In trying moments, people normally experience fati gue, demoti vati on, and being unfocused. Come and let’s rediscover our vitality and work on what is vital!

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Breaking up with Debt

Green is the color of worshipDo you really believe that being totally debt free is impossible?

Go! Expand your capabiliti es and be fl exible, adapti ve and proacti ve

Time to make a diff erence for God and His creati on.

Staying Positi ve in a Negati ve World

Learn, Learn, Learn and Succeed

M F I N D E XWer na u? D2 na me ENTREP Center!24

Alamin ang sekreto sa pagkakaroon ng perfect att endance sa sentro

E N T R E P 1 0 1Networking: Ano ito at bakit ko ito kailangan18Para ka bang facebook na laging updated ang status mo sa iyong mga kliyente? O baka naman kailangan mong mag-twit para makakilala ng bagong kanegosyo. Tuklasin kung ano ang kayang gawin ng networking sa iyong personal na buhay.

10 Beauty crimes


Mayroon ka bang natatanging kwento na gusto mong ibahagi?

Narito na ang KWENTO MO BA ‘TO? na magbibigay daan sa mga natatanging kwento ng mga empleyado sa operati on. Anuman ang iyong posisyon...anuman ang iyong kwento, mapa-drama, comedy, o acti on, basta’t sumasalamin sa totoong karanasan sa operati on ay ti yak na pasok 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 RosaManaging Editor

Lea J. Gatpandan-DomingoEditor

Gellie Anne AbogadoAssociate Editor

A. Edwin B. ArueloGrace D. Bauti staKris G. Dalanon Contributors

John David I. UlangcaGraphics Design

Hector H. CelajesJeff erson T. NgCirculati on

For editorial, contributi ons, suggesti ons and inquiries, please contact: RM & C DepartmentKabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St., KaruhatanValenzuela City 1441 PhilippinesEmail: [email protected]

I remember a quote I read once from Henry Ford, owner of Ford Motors, one of the leading companies in the automoti ve industry -“If everyone is moving forward together, then success takes care of itself.” Ford believes in unity and that the success of the company will be rooted in the success of each individual who belongs in it.

I believe that KMBI shares the same intenti on and way of working with Ford. In KMBI’s 25 years of existence, we have conti nuously been helping our clients not just fi nancially but also spiritually as we provide them with more than just microfi nance services. We have given them livelihood trainings, and many other benefi ts which could help uplift their lives in many aspects whether it be fi nancially, socially or spiritually.

As we partake into KMBI’s 25th year anniversary let us always remind ourselves of what we work for, what we do in this organizati on and why God chose us to work here in KMBI. Allow it be our guide in bringing out the best in each of us. With the right goals, a humble amount of positi vity, confi dence and with full trust to God, our personal success will be within reach; and keep in mind that our success will branch out to the success of the whole organizati on.

Damiana D. ExiomoChairman and PresidentDamiana D. ExiomoChairman and President

THE CHAIRMAN’S NOTE

EDITORIAL BOARD

natatanging kwento na gusto mong ibahagi?

KWENTO MO BA ‘TO? na


News Briefs

Santiago branch sponsors feeding program

Guagua branch attends “Winning Attitude at Work” Seminar

17 Guagua branch staff att ended the Winning Atti tude at Work Seminar on August at Mary the Queen Academy of Pampanga. The said seminar was organized by The House of David Foundati on with the aim to enrich parti cipants’ atti tude at work.

Mary Rachelle Guzman, directress of Mary the Queen Academy of Pampanga, discussed the Guides on Atti tude and the Rules in Right Atti tude. Guzman defi ned Atti tude as “… an inward feelings expressed by behavior, roots is inward but its fruit is outward, our best friend or our worst enemy, more honest and consistent than our words, prophet of our future.”

According to Rose de Guzman, KMBI Guagua Branch Manager, she learned that, “Atti tude is all about creati ng your own path of success and failure. It’s who and what we are, how we react to situati ons and what makes us do things.” On the other hand, Laine Santos, program assistant, testi fi ed that thru this seminar, she learned to prepare herself in doing the right things to affi rm that she made the right decisions.

Guzman reminded everyone that, “Ability is what you’re capable of doing, Moti vati on determines what you do, Atti tude determines how well you do it.”

At least 60 children from Brgy. Linglingay, Alicia, Isabela benefi ted from the recent Feeding Program sponsored by KMBI Santi ago branch. This program was in line with the Nutriti on Month celebrati on last July according to the Nati onal Nutriti on Council of the Philippines. The said acti vity materialized for two consecuti ve weeks starti ng from the last week of July unti l August.

The KMBI staff and program members jointly helped in feeding the children. A bowlful of

lugaw (porridge) with egg was served and a simple presentati on was prepared by the staff to entertain everyone.

The feeding program was organized with the help of Narcisa Abundo, Santi ago Branch Center President and in coordinati on with Susana Andam, Brgy. Captain. “We didn’t expect that there are organizati ons like this. We have been trying to regularly conduct a feeding program but no one has ever volunteered to help fund it unti l now,” said Andam.

Davao clients join Agro-Trade Fair Three KMBI Metro Davao 1 program members were chosen to parti cipate in themonth-long Davao Agri-trade Fair held last August at SM City Davao.

Program members, Lorita Padilla and Evangeline Ledesma who are ornamental plant farmers and Alvin Montecillo, a vermi-compost producer were the chosen program members sponsored by KMBI to parti cipate in the said trade fair and each were given a booth to promote and sell their products. “These program members used to have diffi culty joining trade fairs because they have to spend daily transportati on

cost of almost 200 pesos. KMBI’s recent interventi on is a big boost to their businesses,” said Belen Sison, EDD Manager.

The Davao Agro-Trade Fair is an annual bazaar set-up for the Kadayawan Festi val which serves as a cultural community festi val of thanksgiving for a bounti ful harvest of fruits and fl owers which features the customs and traditi ons of the Bagobo tribe of Davao. Traders from all over Visayas and Mindanao join the annual Kadayawan Festi val to scout for several ornamental plants and purchase in bulk primarily for landscaping purposes.

Santi ago branch Program Assistants Romy Acosta and Raymond Cayaba assist program members in serving

lugaw (porridge) with eggs to the children

Guagua Branch Staff aft er a day of fun and learning


News Briefs

Naga branch aids clients affected by Juaning

Some 226 KMBI Naga branch program members aff ected by typhoon Juaning benefi ted from the relief goods operati on initi ated by the branch on August at Brgy. Bagumabayan, San Miguel and San Roque, Bula Camarines Sur.

“Their houses and resources were submerged in the fl ood and some of them

were temporarily residing at the evacuati on centers,” said Victor Palce, Naga branch manager. The fi rst leg of the relief operati on was held at the Bagumbayan Barangay Hall on August 26, 2011 and was att ended by 161 clients; while the second leg on the 31st of August helped 65 clients from Barangay San Vicente and del Rosario, Milaor, Camarines Sur.

“You’re the fi rst microfi nance to have a relief operati on done in this barangay, this relief will be consumed for one or two days; but your immediate assistance during these ti mes will be surely remembered,” said Anafl or Lim, Bagumabayan Barangay Chairman.

Koronadal grooves at the KMBI dance festival

TOP: Parade from South Cotabato Sports Complex to the South Cotabato Cultural Gymnasium

BOTTOM: One of the performances during the Dance Festi val

With the theme “Sa Tunga sang Kabudlay may Kalipay (In the midst of poverty there is Bliss)” KMBI Koronadal branch organized a Dance Festi val on September at the South Cotabato Cultural Gymnasium. 742 program members att ended the said acti vity that aims to promote good relati onship and unite the program members.

Aside from ENTREP program members, agricultural microfi nance and community development program members also graced the said acti vity. At least 13 groups presented a modern dance while 17 presented an ethnic inspired dance. “The performances were great and I think everyone deserves to win,” said Ednalyn Hospital, Koronadal branch manager.

Koronadal branch awarded Best Center certi fi cates to 26 centers based on their performance; KOR A-110 was declared winner for the Modern Dance Category; KOR A-219 for the Ethnic Dance Category; best banner went to KOR A-107; and the complete att endance award was bagged by KOR A-435 with 32 att endees.

Prizes were given away in between the programme through a raffl e draw. At the end of the acti vity, Hospital gave the closing remarks and thanked everyone who parti cipated and helped organize the said acti vity.


Organizati onal News

Davao City is caught by surprise with a sudden fl ash fl ood on Tuesday night (June 28) aff ecti ng 399 KMBI program members of Metro Davao1, where two of the program members have died. KMBI immediately organized a relief operati on on July 1 at Peace Assembly of God Church, Pag-asa, Mati na, Davao City to reach out to aff ected families in Mati na and Bangkal.

“Angelina Paches and Adora Baricuatro are among the people who died during the fl ash fl ood,” said Maribeth Pabayos, MD1 branch

399 program members aff ected in Davao fl ash fl ood

Almost 150,000 seedling seedlings were

reported planted nati onwide to support

the Lunti ang Kinabukasan project for

the third quarter of the year. For this

interventi on, 59 KMBI branches nati onwide

organized tree planti ng acti viti es in their

respecti ve locati ons.

As part of the 25th anniversary

celebrati on, KMBI launched the said

project as interventi on for environmental

preservati on through tree planti ng project.

The project also aims to develop awareness

among Board, staff , and clients on the

importance of trees and its

eff ect on our lives, and on how to become

good stewards of God’s creati ons. The

theme is based on KMBI’s four aspects of

transformati on focus: Spiritual, Economic,

Environmental and Social or SEES.

The project was also supported by

Haribon Foundati on and Department of

Environment and Natural Resources.

Almost 150,000 seedlings planted nati onwide through Lunti ang Kinabukasan Project

Clockwise: Fay Amodia, Acti ng operati ons Manager for NCR, planti ng orientati on with HARIBON Foundati on in

Tanay Rizal; KMBI Bus on the way to the planti ng site

manager. She also said that Baricuatro is one of the program members who joined the mass wedding on Saturday (June25). “I was so saddened by the fact that aft er the wedding, she’s gone together with her two children and parents who just came for a visit to att end the wedding,” she added.

KMBI spent a total of P121,899 during the said relief operati on. During the relief operati on the fl ood have subsided and evacuees already returned to their homes.

EDS or Entrepreneurship Development Services reached a total of 1,235 parti cipati ng clients for its livelihood training project. With the aim to give clients the desire to dream big, have the passion to grow, and help in job and income generati on for the community, EDS project served areas of Calabarzon 1 & 2, Caraga, Cebu, Davao, Leymarbo, NCR North, SOCKSARGEN, North Luzon East and West, Pampanga, and Rizal for the third quarter of the year.

EDS delivers livelihood training to 34 branches

EDS delivers/p.8



Kabalikat para sa Maunlad na Buhay Inc. (KMBI) will be implementi ng a separate monitoring system of the returning clients eff ecti ve July 1, 2011. This is to provide bett er services for the clients by obtaining accurate informati on for decision making.

“This new implemented monitoring system will help KMBI in monitoring and properly accounti ng the number of returning clients,” said Harry Dalanon, Accounti ng unit head.

As per the new monitoring system, all clients who have previously resigned and decided to join the program again aft er some ti me, will be reported as Returning Client. The Branch Accountant will be in charge with the monitoring and updati ng of clients through the Daily Operati ons Update (DOU). The Branch Manager shall check and approve the DOU prior to submission to the Head Offi ce.

The new implemented monitoring system will not only be of help to KMBI in obtaining the essenti al informati on; but will also be a big help to all clients as this would be considered in making decisions with regard to the improvement of the services provided by KMBI.

Group loan operati ons monitor returning clients

Kalusugan ay Kayamanan Campaign assists 1,024 PMs

KMBI recently fi nished its “Ang Kalusugan ay Kayamanan” campaign, a medical and dental mission, which ran from August to September. The said mission reached a total of 1,024 benefi ciaries in Bulacan, Pampanga, Cebu, Batangas, and Davao area.

Aside from medical check-ups and dental procedures, benefi ciaries received free medicines and vitamins some of which

CLOCKWISE: Amy Magpayo, Transformati on Coordinator for Luzon, with volunteers checks medicines

for the medical mission; Ang Kalusugan ay Kayamanan Tarpaulin at the venue; Roda Caronongan,

Systems Management unit head parti cipates in the blood letti ng acti vity; Consultati on with one of the

volunteer doctors.

are sponsored by Pfi zer, Sherryville Medical Healthcare and Products, Pharex Health Corporati on, Getz Pharma, GSK (GlaxoSmithKline), Unilab, 4HG Cooperati ve and Design plus.

The project was also in partnership with Cebu Doctors’ University, Ugnayan ng Pahinungod Manila, Philippine Dental Associati on Cebu and Davao, Philippine Red Cross, Intellicare

and Philippine Colleges of Occupati onal Medicine, Southern Mindanao Chapter.

The project aims to provide healthcare services and awareness in the community, provide an opportunity to hear the gospel, and to be more proacti ve in saving other people’s lives through the bloodletti ng acti vity, which is in line with KMBI’s 25th year anniversary celebrati on.

8 | Communi-K • vol. 8 no.2|

The livelihood training consists of Basic Entrepreneurship Orientati on, Entrepreneurial Assessment, Budgeti ng and Savings coupled with livelihood skills training workshop. Livelihood Training Workshop topic ranges from Food (Meat Processing and Chocolate Molding) to Non-food (Candle Making, Bead Craft , Dishwashing Liquid, Detergent Bar and Powder producti on) as well as services (Massage Therapy to be off ered at Bicol Area).

According to Belen Sison, EDD manager, one of the goals of this project is for clients to have an awareness on entrepreneurship; and initi ally grow in their mindset from being a livelihood oriented entrepreneur to a growth-oriented entrepreneur. “The success of the program will not be determined only thru the number of trainings conducted rather on the impact of the program to the lives of the clients,” said Sison.

The livelihood training is a collaborati ve eff ort of the Branch and EDS. The Branch has the opti on in choosing the livelihood training interventi on, inviti ng parti cipants up to encouraging and monitoring if the att endees pursue the new business idea generated out of the training.

EDS delivers... from p.6

Communi-K • vol. 8 no.2


KMBI join Bicol MF Summit and Trade Fair MI strengthen client protecti onWith the recent renewal of contract with Country Bankers Dev’t Corp. both parti es agree that the enrollment of dependents will no longer be coterminous with the microinsurance of program members. This indicates that in case of death of the program member, the enrollment of her dependents does not cease.

According to Nesie Parsacala, Finance and Accounti ng Manager, with the enhancement of policy, the dependents of the program members to benefi t from this feature because, they can sti ll avail of the benefi ts unti l they reach the maturity of microinsurance enrollment.

The microinsurance is part of the fi nancial services of the organizati on to support and assist clients and their families in case of death.

The enhanced policy will be implemented eff ecti ve September 01, 2011 and will be implemented on the microinsurance of the Program Members and their dependents who have enrolled on or aft er the said date. Program Members who are already enrolled before the said date will sti ll have the previous contract prevailing unti l their next loan.

Three Program Members of KMBI (Kabalikat para sa Maunlad na Buhay Inc.) Bicol area parti cipated in the annual Bikol Microfi nance Summit and Trade Fair with the theme “Building Synergies for Sustainable Social

TOP-BOTTOM: Merly Borbe, Legazpi Branch program

member, during the Cooking Contest; KMBI’s Trade

Fair Booth

Enterprise.” Bicol Microentrepreneur Council organized the said acti vity on September 21-25 at the Landco Plaza, Legazpi City Albay to help the Bicol microentrepreneurs market their products and expose them to diff erent business opportuniti es.

KMBI invested a total of P14,000 for the said initi ati ve that covered all expenses of the parti cipants. All products on display at the KMBI booth like the Abaca made bags and pouch and pili nut products were produced by its program members. Other items exhibited in the trade fair were also made by the clients of diff erent Microfi nance Organizati ons and/or organizati ons which are members of the Bicol Microfi nance Council, i.e. Camalig Bank, Rural Bank of Guinobatan Inc., Simbag sa Pag-asenso, Kolping Society Phil. Inc., and People Center for Sustainable Development.

At the end of the acti vity, KMBI bagged the Best in Ethnic Design and Best in Original Design awards, and got second place for the dessert-making contest.

According to EDS (Entrepreneurship Development Services) associate, Janice Balajadia, KMBI will conti nue joining trade fairs and bazaars since “… This will help and assist the clients in marketi ng their products. It is also an experience for them to further know the marketable quality of products.”


Reference: htt p://www.dumblitt leman.com/2008/02/20-ways-to-get-rid-of-your-debt-for.html

“Level Up: Next Gen” (John 15:16)

Leaders’ Edge

Breaking UpBreaking UpDEBT

with

Do you really believe that being totally debt-free is impossible? Come on! Don’t feel so hopeless yet! Yes, it

may look that way, but trust me, having a debt-free life can happen.

At fi rst, we have to understand that simply paying down debts wouldn’t be enough to get out of it. You have to set prioriti es on spending and set your goal. Number one rule: Commitment. Yes, commit yourself to have a debt free life. How to do that? H ere are some ti ps for you to save and have enough money to pave your way a real debt-free life.

Don’t Go Knocking on Debt’s Door –1. It’s the best and most obvious way. If you will keep on adding up debts on your list, you’ll spend longer periods of ti me paying for them. As much as possible do all sorts of alternati ves to keep you from having debt.Take it Easy on The Spending –2. Think twice before buying something. Do you really need it? Or the bett er questi on

would be, is it a necessity? Assess your spending habit. What urges you to buy something? If it’s not that good of a reason maybe you should cut off with the expenses and focus more on the important things. Do you really need that branded hand bag? Is P120 coff ee really a necessity? Ask yourself the next ti me you make a purchase.Perfect ti me to two-ti me –3. if you want to get rid of those debts you have, it’s about ti me that you look for an additi onal source of income. If you have skills in writi ng, you can get writi ng jobs over the internet; you might have baking skills so you can bake cookies to sell; or a negoti ati ng skills to run buy and sell business over the weekends. Have a Safety Net –4. Make sure that you have an emergency fund. So that when something unexpected happen you won’t need to borrow money from other people because you already have something you can stash for purpose. Or if you really need to borrow money,

at least it won’t be as big as it would initi ally be.The Perfect Time To Budget –5. It’s never too late to learn how to budget and it’s really “chicken” if you have the right perspecti ve. All you need to do is to list all the things you need and all the bills you need to pay, allot a specifi c amount for them, allot some for your emergency fund, then for your personal savings then to pay for your debt and voila! You can now spend the extra money on other stuff you want. Just keep in mind that as much as possible; don’t spend too much on things you won’t be needing. Save up as much as possible and you’ll be surprised how much your money has grown in ti me.

Remember, getti ng rid of debt is prett y much a fi nancial diet. You need discipline and the right budgeti ng to help you go through the whole process. Once you’re out of debt, you’ll soon realize how much bett er life is without it.

By Gellie Anne Abogado


Leaders’ Edge


oops! It’s not what you think, guys! The ti tle of this arti cle may be controversial but please don’t get me wrong, I might get fi red, haha!

Kidding aside, green is the color of nature and the call for deeper commitment for environmental protecti on is rapidly increasing all over the world. We, at KMBI, recently had our tree planti ng nati onwide to respond to this call. But why tree planti ng is very important and how can we protect them?

Trees allow us to liveWe may not live in the forest, but we need trees in order to live. Have you ever imagined your life without a tree? Since grade school, we learned that trees give us clean oxygen to breathe in and it eliminates carbon dioxide level from the atmosphere. It also provides us food and medicine. Even nowadays, people are sti ll using wood to cook their food. Inside our house, we can sti ll see and use tools and furniture made out of wood. Papers that we use are even made out of trees – tons of trees!

Trees protect us from soil erosion and fl ood, and it controls our climate by moderati ng the eff ect of sun, rain and wind. Aside from protecti ng us, trees also serve us shelter for animals. Their dead leaves turn into compost make our soil ferti le and healthy. Without trees, man could not live as well.

Allow trees to liveRecycle and reuse to save paper. By cutti ng down the usage of paper, you can also lessen the frequency of cutti ng down trees just to produce paper. Not only cutti ng down trees can harm the environment but also the process of making it. It uses large amount of electricity and chemicals that emits heavy level of carbon dioxide into the air. Aside from that, hundreds of thousand gallons of water are being wasted too. According to James De Rosa, Director of Research and Development for Global Warming Initi ati ves, Inc. in his study on “Helping Companies Reduce Greenhouse Gases,” one tree can produce 173 reams of paper. A total of 7 million reams of paper is equivalent to 12 pounds of CO2 being

released into the atmosphere.Plant and nurture nati ve trees or parti cipate in tree planti ng acti vity. If you have trees in your backyard, water them regularly and stop burning dry leaves to prevent greenhouse gas emission. Even the simplest ways can create a positi ve impact in protecti ng our environment.

The WorshipAs Christi ans, we have to be faithful stewards of God’s creati on. Worship in the bible defi nes as fulfi lling God’s command, one of God’s commands is to take care of His creati on; hence, taking care of His creati ons is an act of worship. We worship God for all the blessings and acknowledge that what we have is a gift from Him – including earth!

The task of environmental protecti on is everyone’s responsibility. It’s not yet too late to make our own litt le but signifi cant contributi on to save our planet. This is our home and this is our life.

GREEN is the Color of WorshipBy Lea Gatpandan-Domingo

Communi-K • vol. 8 no.210 Communi-K • vol. 8 no.2

11|“Level Up: Next Gen” (John 15:16) 11|“Level Up: Next Gen” (John 15:16)“Level Up: Next Gen” (John 15:16)“Level Up: Next Gen” (John 15:16)

Realize that God owns it all (Psalm 24:1) God expects us to be His stewards with nature (Genesis 1:26) Obey God in our lifestyle (Luke 12:15, 23, 34) God blessed diff erent species of plants and animals (Genesis 1:22) God Made an Eternal Covenant with the Diff erent Species of Plants and Animals (Genesis 9:8-9)

References: htt p://greenyourfuture.experience.com,www.savatree.com,www.cleanindia.orghtt p://www.fl ccolumbus.org/Stewardship.htm,htt p://www.christi anecology.org/Stewardship.html

Make a difference for God and His creation:

“Level Up: Next Gen” (John 15:16)“Level Up: Next Gen” (John 15:16) 11

12 | Communi-K • vol. 8 no.212 | Communi-K • vol. 8 no.2

Leaders’ Edge

By A. Edwin B. Aruelo

Staying Positive in aNegative World

If you are to give a ten-minute speech about yourself and how you are doing these days, what are the

words you would use to describe your circumstance? Would your talk be full of inspirati on? Would you be able to fi ll up the full ten minutes with positi ve, truthful and uplift ing words? Would it make you comfortable to talk about yourself to others? Would it make others listen comfortably to you as well?

Many of us go through life carrying pieces of junk on our backs inscribed with words such as humiliati on, failure, rejecti on, stupid, ugly, clumsy, worthless, unlovable. It’s impossible to feel good while our minds are being fl ooded with thoughts of negati vity, worry, fear, judgement, criti cism and self-doubt. How can we possibly expect to feel good while we constantly remain focused on all that is wrong in our lives and conti nue to expect the worst? The reality is, we can’t.

Happiness is not something that comes to you. It is something you create now. Waiti ng for something to change in order to be happy is waiti ng to live your life. It is not what happens to you that counts. It is how you react to what happens to you. It is your atti tude. When you adopt a positi ve atti tude, life becomes a rewarding adventure instead of something to get through.

Thinking right about ourselves and our circumstance, is seeing ourselves from a bett er point of view – GOD’s point of view. The key to right thinking is not only to see through to what you can be, but also to reach through and lay hold of what you can be by smashing through your limitati ons. We need to rock our boxes even if it means falling out, even if others around us don’t understand. As Art Sepulveda says, “Thinking right about ourselves (and our circumstances) is not always popular; it will be challenging – to you and to others – but without a doubt, it will be rewarding.” How do we stay positi ve, opti misti c and regain proper perspecti ve in the face of life’s challenges?

Plan to choose to be positi ve. It’s a decision. It’s your will power that

should dictate your choice. Always tell yourself: “I can,” “I am able,” “I can do it,” “I am a positi ve person.” Choose life rather than setbacks and limitati ons. Don’t allow yourself to be bordered by the scepti cism of the people around you. When you fall down, don’t be beaten up by discouragements of not pursuing your race. Aspire rather than dream. Move forward rather than leaving yourself in the corner.

Operate on the principle of visualizing a great future. Realize that there is more

to life than what you have experienced. God wants you to live a big life. His desire for us is to live triumphantly. However, it is our responsibility to stay focused and do our part. Your vision of your future is the blueprint of what you would become.

Serve to help others. Sounds funny? How can you help when even yourself are in

need of help? Mahatma Gandhi once said, “The best way to fi nd yourself is to lose

yourself in the service of others.” Indeed, one of the best ways to appreciate life and to create a positi ve atti tude is to be of service with the less fortunate than yourself. Being of service reminds you of your blessings, keeps you busy with generous acti viti es, and surrounds you with positi ve happy people.

Inspect yourself to junk anger, resentment and regret. These are great sources of

unhappiness if you allow it to infect your life. Worst, these elements are too infecti ous! No resentment can ever heal the pain you had neither hatred can allow you to move on with life. Holding to such solves nothing. Learn from life’s lessons, and take your eyes off your past, because your past is not your potenti al.

Totally dare to believe God. It is only when we have the right- relati onship

with God that we can realize that we are conqueror, an overcomer, a victorious warrior, adopted as son or daughter of the Most High, blessed with every spiritual blessing in the heavenly places in Christ, accepted in the Beloved, and redeemed by His blood. God uses ordinary people to do extraordinary things. So the next ti me you feel that the world has taken its course against you, just remember how God mighti ly used ordinary people to execute extraordinary things:

Adam was a failure (Gen 3:9-12, 17-19) Abraham was too old (Gen 17:16-17; 21:2-5) Joseph was abused (Gen 37:24-36; 39:7-20)Moses had a stutt ering problem (Exod 4:10)Gideon was afraid (Jud 6:11, 13, 15, 27)Job went bankrupt (Job 1:20-21)The Samaritan woman was divorced, more than once (John 4:16-19)Zaccheus was too small (Luke 19:3)

John Maxwell says, “it’s not who you are that holds you back, it’s what you think you are not.” True enough, the way we see ourselves and our circumstance dictates our existence, our emoti ons, our dealings, our decisions and our perspecti ve. It’s what makes us feel adequate or inadequate... likeable or unlikeable ... worthy or unworthy... winner or loser.

13|“Level Up: Next Gen” (John 15:16) 13|“Level Up: Next Gen” (John 15:16)

Implant God’s word in your heart. This will deliver you from emoti onal baggage

the enemy had thrown at you in ti me of weakness. Allow God’s word to shape you. Trust on His promises that you may be able to say to yourself – no doubts, borders, no limits, no fears... only faith in God.

Visit your prayer closet daily. It is in this place of inti macy with God that you

can fi nd peace and tranquillity despite of negati ve situati ons around you. Nothing can beat the power of our bended knees. God speaks. God listens... and when He listens, God answers.

Exercise your “ax”. Discover your ax – your gift , your calling, your abiliti es – and

fi ll your heart with grati tude. Count your blessings. Avoid the tendency to compare your life with the lives of others, with your ideal hopes for life, and with your own life when you were younger. Every moment of your life is a gift -- not something you are “enti tled to” or something you “deserve.” Practi ce “zero-based grati tude” - being grateful for everything in your life -- grateful that you woke up this morning, grateful that you have enough food to eat, grateful that you can walk and breathe and see.

Let me close in saying that having a positi ve mental atti tude is no cure to the ills of the world. It can never roll back the price of gasoline and basic commoditi es, neither it will spontaneously cure the graft and corrupti on in the government nor expedite judicial processes in our country, and in a larger scale, solve poverty, but at least, being positi ve always brings “hope.” It isn’t always easy, but I do believe that having a positi ve atti tude is much bett er that being negati ve.

A. Edwin Aruelo more known as the HR Manager of KMBI; but is also a man of great faith and is willing to impart his wisdom in sharing the word of God.


Cover Story

Every organizati on, regardless of type and size, (corporati on, not-for-profi t insti tuti ons, or government agencies)

will eventually reach a point of either disheartened, weakened, low-spirited or even damaged to a certain degree. This may happen because of various reasons like leadership crisis, uncertain or compromised operati on, mission drift , end of business cycle, etc. Eventually, organizati ons under trying moments will experience fati gue and by that ti me staff are demoti vated, unfocused, and stale due to mediocre performance – lacking vitality. Unless revitalizati on is seen necessary and urgent, it will not be able to prevent its end.

Oft en ti mes, revitalizati on is reacti ve…but it may actually be done pro-acti vely to prevent an organizati on arrive to an extremely diffi cult situati on. In this arti cle, I am going to discuss some suggesti ons in revitalizing an organizati on. Please note that while I will use “organizati on” as the object of revitalizati on, what will be discussed below is also applicable to branch setti ng.

You may be asking, “How to revitalize an organizati on?” Theresa Henige Oland, a management & public aff airs professional, discussed in her blog “The Message Pub” the relevance of mission in revitalizing an organizati on. She stressed the importance of being reminded about the organizati on’s mission. Most organizati ons start with well-defi ned mission and a strategy map how it will be accomplished. However, as ti me passes, it is easy to become complacent and lose sight of our mission. To prevent drift ing away from our reason for existence, Oland emphasized the importance of reviewing our mission periodically to see if it is sti ll relevant and if it is being pursued. Getti ng a clear sighti ng on purpose is parti cularly important when we are stalled

and drift ing. We may simply need to be reminded of our charter. Focusing on our mission will generate a renewed commitment to achieve our goals. It will also moti vate people by reminding them of why they do what they do, and why our organizati on is important.

To regain focus, William Bridges in his arti cle “Reorientati on + Renewal = Revitalizati on” (published in The Linkage Leader), recommends to Paint a convincing picture of our opti mal future state—or the future of the whole organizati on to have our desti nati on established again (and again and again). He also affi rmed that parti cipati ve planning to get there is necessary. Bridges says that to present them with the plan does only half the job, for it is in working through the issues and in designing the best soluti on that we really come to understand what is needed. Remember that people who parti cipated in craft ing the plan are the same people who will invest in implementi ng the plan.

Basically, in revitalizing an organizati on changes are introduced to get it back to its feet again. These changes may touch on diff erent dimensions of people inside the organizati on including physical, intellectual, emoti onal and spiritual, depending on the need. Its implementati on may be manifested in several management aspects such as strategy, structure, and system. Common reacti on to change is resistance because it creates discomfort to our usual routi ne. Contrary to this, it actually keeps us current with the ti mes. It moti vates us to improve on previous relati onships and processes.

Nonetheless, given that there is resistance and to lessen it, clear and ti mely

Work On What Is

VITALBy Rizaldy Duque

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

communicati on is imperati ve. Uncertainty becomes certain

when reasons for change and its corresponding benefi ts are made clear to the stakeholders at the onset. It will also encourage more parti cipati on if good behaviors toward the introduced changes are rewarded but make sure that you are not unwitti ngly rewarding the old ways of being and doing. Bridges cauti oned that, “Even leaders who are personally committ ed to a change in the large-scale, strategic sense oft en fi nd that they are thoughtlessly doing

and saying things that reward people for acti ng the old way on an individual or small-group level.”

In the context of KMBI and under the

assumpti on that we are a Christ-centered organizati on, it is equally important (or

may be the most important) that we insti gate change in our prayer lives, too.

Prayer is one of the less enjoyed acti viti es in KMBI. “Prayer is one of the greatest and most excellent means of nourishing the new nature, and of causing the soul to fl ourish and prosper.” These were some very meaningful words spoken by Jonathan Edwards over 200 years ago in his famous sermon on prayer. Times have changed and so has society, but Edward’s message remains ti meless. Prayer has not changed nor has its amazing benefi ts.

Our relati onship is strengthened when we pray – such a powerful benefi t of prayer. It helps us to understand that person a litt le bit bett er when we pray for those we know and love. It allows us to be more pati ent and understanding in frustrati ng situati ons, and knowing that He will answer our prayers in His ti me makes it easier. Perhaps it is because we are taking acti on and feel ownership in our relati onships, but most

likely it’s God’s amazing grace that helps to strengthen our relati onships through prayer.

Not only does prayer strengthen our earthly relati onship, but it also draws us closer to the Lord. It truly helps us establish a relati onship with Him, and understand more fully who he is and how he performs miracles in our lives every day. Aft er you’ve begun to pray on a daily basis, you suddenly begin to see Jesus and His miracles everywhere. You see Him in the sunset, feel Him in great grati tude for the roof over your head and the food on your table. You know Jesus; you yearn to be more like him.

“Prayer that is constantly and diligently att ended to is one of the best means of leading not only an amiable and pleasant life; but also a life of much sweet fellowship with Christ, and of abundant enjoyment of the light of his countenance,” says Edwards in his speech. To put it quite simply, when we pray, we are growing closer to the Lord we love. We are easing the struggles in our lives and improving our relati onships, all the while getti ng to know Him by learning His word, and applying it to our lives in many meaningful ways. Prayer indeed revitalizes!

On personal note, I am deeply convicted that prayer will shield us from becoming disheartened, weakened, low-spirited or even damaged. While the things I discussed above are important, let me reiterate that prayer is the most important one and I encourage everyone in KMBI to excel in this fundamental aspect of our organizati on’s life. There are no limits to the rewards of praying to a God who is forgiving, pati ent, and good to us all the ti me. In fact, the list truly is endless, and it’s diff erent for every individual. Thus, to revitalize our organizati on, our personal lives, and our relati onships, let us start working on what really is vital – prayer.

Work On What Is

VITAL


Cover StoryLeaders’ Edge

According to Peter Senge, “Learning organizati ons are organizati ons where people conti nually expand

their capacity to create the results they truly desire. It is where new and expansive patt erns of thinking are nurtured and where collecti ve aspirati on is set free. It is where people are conti nually learning to see the whole together. In this very competi ti ve world, these organizati ons excel because they are fl exible, adapti ve and producti ve.”

One example is Toyota; its operati ng principle is “to make all its work a series of nested, on-going experiments through which operati ons are constantly improved.” Expectati ons are clearly set before work is done; but as they perform, they keep an open mind by investi gati ng gaps between expectati ons and reality along the way. When a problem is discovered, they seek ways to improve. Here, they develop a deep understanding of their processes, product and people. Toyota summarizes its values and conduct guidelines with the following principles: challenge, kaizen (improvement), genchigenbutsu (go and see for yourself to thoroughly understand the situati on),

respect and teamwork. Today, it has grown to become a multi nati onal corporati on expanding to a global market.

Hence, Learning is att ainable and important for an organizati on’s sustainability and growth; but to produce impact, there has to be a culture. How can we have such a culture? Senge presents fi ve disciplines - systems thinking, personal mastery, mental models, building shared vision and team learning. We further categorize these with the following: improving oneself, building great teams and setti ng a new view on leadership.

Improving OneselfFinishing a master or doctorate degree does not indicate that we have arrived at peak learning. Lessons get obsolete in three to fi ve years. So, if we really want to improve, we should live in a conti nual learning mode. This is a lifelong discipline and is coupled with an acceptance that we do not know many things; that we are incompetent in certain areas and that we need to learn and grow.

Management guru, Peter Drucker, reinforced this in his arti cle “Managing Oneself”. He said that we need to discover where our intellectual arrogance lies and overcome it. For example, many arti sts pride that they are poor in mathemati cs. Drucker said this is self-defeati ng. Though we need to conti nually work on our strengths and not much on weaknesses, we should not be “contemptuous of knowledge in other areas.” Arti sts may sti ll improve their arithmeti c skills which they may be able to use for the improvement of their art works. The same goes for math experts; being good in computati ons should not be an escape ti cket to failing grammar.

Another way to improve one’s self is to develop systems thinking. This is seeing the big picture of the organizati on and the ability to examine the interrelati onship between parts. With such thinking, the long-term impact of any decision is highly considered. Senge said, we usually look on acti ons that produce instant improvements; but this oft en involves signifi cantly long-term costs. A good example for this is when

htt p://www.infed.org/thinkers/senge.htm\htt p://www.public.navy.mil/usff /Documents/managing_oneself.pdf\htt p://en.wikipedia.org/wiki/Toyota

Learn, Learn, Learnand Succeed


Leaders’ Edge

an organizati on cuts back on research and design. It can bring very quick cost savings; but can severely damage the long-term viability of an organizati on.

Building Great TeamsOne practi cal way is developing a “psychologically safe” environment. Here, the staff can freely express their viewpoints to improve processes or can ask naïve questi ons without fear of being criti cized. They can questi on, disagree, or open up any informati on without fear of losing their jobs.It is in this way that they can enter into a dialogue or a “genuine thinking together” regardless of positi ons. Senge adds that when the dialogue is joined with systems thinking, the staff develops a language that can deal with complexity as they become more open to each other’s ideas and are able to learn together. Their talks center more on solving important issues rather than dwelling on the negati ve things. From individuals, they mature to become a team.

As a team, they share a vision. This vision is something that they can own, and not just

memorized. This vision is concreti zed by sharing of ideas and plans as each staff see their specifi c part in achieving the whole. So, they learn not because they are told to but because they want to.

Setti ng a New View on LeadershipTraditi onal leadership relies on a special group of people within the organizati on who sets directi ons, make key decisions, and energize staff to own company’s causes. Senge said this is based on the assumpti on that the staff is powerless and lack personal vision and inability to master the forces of change. These organizati ons should shift to a new view on leadership.

In a learning environment, leaders are designers, stewards and teachers. As designers, they set the pace or the learning process so that the staff can deal with criti cal issues producti vely, they foster individual accountability; and they grow leaders. As stewards, they commit to and are responsible for the organizati on’s vision; they put it fi rst before self-interest; they see their personal vision as part of something

larger; and they build their staff to do the same. As teachers, they focus on purpose and systemic structure; they help their staff to understand their purpose as organizati on; they do not spoon-feed or teach people how to achieve the vision; they help them develop systemic understanding; they are open to challenge and further improvement; and foster learning.

Having a learning enviroment is a necessity because with this, companies and various organizati ons can produce bett er employees and members; thus, resulti ng into a company or organizati on with a bett er facade and output. This is defi nitely something that every leaders, companies and organizati ons should never take for granted.

Learn, Learn, LearnSucceed

By Kris Dalanon

Kris Dalanon being in KMBI for

about six years now, she has

grown to be a good leader to her

staff . She is the kind who pushes

them to be at their best and fully

believes in their capabiliti es and

what they can do.


Facebook – Meron ka ba nito? Alam mo ba na ang Facebook ay halimbawa ng isang networking. Ito ay halimbawa

ng isang social networking kung saan binibigyan tayo ng pagkakataon upang makakilala at makausap ang mga tao mula sa iba’t ibang lugar at estado sa buhay. Sa pamamagitan nito ay marami tayong nakikilala na maaaring makatulong sa ati n sa samu’t saring paraan. Kaya naman ang business networking ay importante din sa mga entrepreneurs.

Ang Business networking ay nakatuon sa pakikipaghalubilo o pakikipagkilala sa mga tao na maaaring makatulong sa iyong kasalukuyang negosyo. Sa unang ti ngin, parang madali lang ito, pero maraming kailangang isaalang-alang upang masabi mong matagumpay ang iyong business networking: Gaano na ba karami ang kakilala mo? Ilan nga ba sa kanila ang tunay na naiinti ndihan ang iyong negosyo? Ilan sa kanila ang naging kliyente mo o kaya naman ay nakapag-refer na sa iyo ng mga posibleng maging kliyente mo? Ilan sa mga na-refer nila ang naging kliyente mo o nakatulong sa negosyo mo?

Hindi lahat ng iyong makikilala ay makatutulong sa iyong negosyo pero ang iyong mga magiging galaw ay maaaring makatulong sa iyo upang makatulong ito sa negosyo mo.

May mga oras na makakalahok ka sa maraming kaganapan kung saan iba’t ibang tao ang iyong makikilala na maaaring makatulong sa pagpapalago ng iyong negosyo maging direkta man ito o hindi. Dito nagkakaroon kayo ng palitan ng business cards at pag-uwi mo ay minsan, malilito ka kung sino sila sa mga nakilala mo. Maaari din itong mangyari sa iyo kung hindi ka makapag-iiwan ng marka sa isang tao.

Paano ka maalala ng iyong mga nakausap:Magkaroon ng pagkakakilanlan 1. – Kailangan mo ng trademark ika nga, halimbawa na lamang sa pananamit, magkaroon ng isang bagay na makakapag-tangi sa iyo mula sa ibang mga tao. Maaaring ito ay isang simpleng alahas o di kaya ay ang iyong pabango. Tandaan na ang pagkakatanging ito ay dapat na mag-iiwan din ng magandang impresyon.

ENTREP 101

Ano Ito at Bakit Ko Ito Kailangan?Networking:


Ibigay ang iyong buong atensyon 2. – Marami sa mga maaari mong makahalubilo ay ang tanging intensyon ay ang makapaghanap ng network at hindi nakikipag-interact ng maayos sa iba. Ito na ang iyong pagkakataon upang mapakita na ikaw ay tunay na interesado na malaman ang tungkol sa negosyo o trabaho ng iyong kausap. Maaari ka ring makapagtanong ukol sa propesyon at industriya ng negosyo ng iyong kausap. Walang ti yak na perpektong katanungan ang maaaring ipayo sa iyo ng kahit ano pa mang libro dahil ayon nga kay Dale Carnegie, “take a genuine interest in other people.”Gumamit ng Keywords - 3. Sa isang pagti ti pon na kung saan mabibigyan ka ng pagkakataon upang makakilala ng mga tao na maaaring makatulong sa paglago ng iyong negosyo ay

tunay na mahirap lalo na ang mag- iwan ng marka sa bawat isang tao na

iyong makakahalubilo. Tandaan na pati ang iyong salita ay

dapat na makapag-iwan ng marka

upang mas matandaan ka ng iyong kausap. Gamiti n bilang keywords ang mga sumusunod na impormasyon ukol sa iyo habang ibinabahagi mo ang tungkol sa iyong negosyo: Iyong pangalan, Pangalan ng iyong negosyo, Industriya ng iyong negosyo, iyong produkto, at lokasyon ng iyong negosyo.Ipakita ang iyong kaalaman – 4. Sa iyong pakikipaghalubilo, huwag lamang basta magsalita upang may masabi. Tiyakin na ang bawat salitang iyong sasambiti n ay makatutulong upang mas makilala ka pa nila. Lagyan ng sense ang bawat salita at siguraduhing ito ay matatatak sa kanilang isipan.

Networking ang susi ng tagumpay parasa mga entrepreneurs, kaya namannararapat lamang na pag-ibayuhin nati n at linangin ang ati ng interpersonal skillsupang mas magamit pa ito ng husto sapakikipaghalubilo at pakikipanayam sa iba’t ibang tao lalo na sa mga taong lubos na makatutulong sa pag-unlad ng iyong negosyo.

Sanggunian: about.com | entrepreneur.com

Networking ang susi ng tagumpay parasa mga entrepreneurs. ”

“

Ano Ito at Bakit Ko Ito Kailangan?


Tips

Problema – hindi sila nawawala. Sa tuwing mareresolba na nati n ang isa, may isa namang darati ng uli. Minsan nga napapaisip tayo na nilikha ba ang mundo sa problema? Ito marahil ang pananaw ng marami sa ati n dahil nga marami na tayong naranasang iba’t ibang klase at lebel ng problema. Marami rin sa ati n ang nag-iisip na ang mga taong namumuhay ng masaya at matagumpay ay wala ng problemang inaalala; at dahil nga diyan ay kinaiinggitan nati n sila. Ang hindi alam ng ilan sa ati n ay kapag lalong umunlad ang isang tao, mas malaking problema ang kanyang kakaharapin. Ibig sabihin din nito ay mas madaming pagsubok ang maaari mong kaharapin; ngunit bakit hindi nga ba nati n makita sa kanila ito?

Hindi lamang ikaw ang may problema. Una sa lahat, kailangan mong tanggapin ang katotohanan na hindi lamang ikaw ang mayroong problema. Ang dahilan kung bakit ang ibang tao ay mas maunlad kaysa sa ilan ay dahil handa na sila na humarap sa mas malaking problema. Mga problema na kadalasan ay ti natakbuhan lamang ng ilan at ayaw harapin. Kaya naman kung hindi mo kayang harapin ang iyong problema, pinipigilan mo lang ang pagpasok ng tagumpay at pag-unlad sa buhay mo.Ngunit paano nati n haharapin ang

mga problema nati n? Ang dapat lamang gawin ay hanapin mo ang kasiyahan sa pagresolba ng problema mo. Huwag mong masyadong seryosohin ang mga bagay-bagay at huwag mong hayaang hilahin ka pababa ng iyong problema. Kaya sa ti ngin mo ay malaki ang iyong problema dahil sa iyong sariling pananaw. Katulad ito ng isang baso na half-full nga ba o half-empty?

Sabi nga sa Matt hew 6:25-27 - “…Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food and the body more than clothes? Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? Can any one of you by worrying add a single hour to your life?”

Tanggapin ang katotohanan na kailangan nati n ang problemang ito upang tayo ay umunlad. Naalala mo ba noong nag-aaral ka pa at binibigyan ka ng mga math problems para i-solve. Habang tumataas ang ati ng antas ay mas mahirap na math problem na ang ibinibigay sa ati n at may natututunan tayo. Tulad din ito ng mga problemang kinakaharap nati n sa araw-araw. Habang umuunlad tayo ay mas

lumalaki ang ati ng kakaharaping problema ngunit ito ay nagtuturo sa ati n ng isang leksyon na tunay ngang makatutulong at mas makapagpapaunlad pa sa ati n.

May ilan na mas nais pa na iwasan o di kaya ay takbuhan ang problema. Kapag iyan ang iyong ginawa ay mas hihilahin ka pa lalo pababa ng mga problema mo. Tandaan na habang maliit pa lamang ang problema ay dapat lamang na harapin na dahil kapag pinatagal pa ito, ay mas lalala lamang. Halimbawa na lamang ay kung may problema sa kasalukuyang trabaho, ang solusyon ng iba ay takbuhan ito at mag-resign na lamang. Paglipat sa kabilang trabaho ay iyon din ang naging problema hanggang sa wala ng nakuhang trabaho na tumagal. Hangga’t hindi mo hinaharap ang problema, babalik at babalik ito sa iba’t ibang paraan. Ngunit kung mas pinili mong harapin ang problema, agad itong matatapos, matututo ka at dadalhin ka nito sa panibagong lebel sa iyong buhay tungo sa pag-unlad.

Tandaan lamang na lahat tayo ay may kanya-kanyang problema; ito ang paraan ng Diyos upang turuan tayo. Sa oras na harapin nati n ito at malampasan ay ti yak na pag-unlad na ang kasunod.

Sanggunian: htt p://jacobkutt yta.hubpages.com

FACETO

FACEHarapin ang problema

20 Communi-K • vol. 8 no.2


Tips

Gusto kong MaPromote

Sanggunian: laurennovo.wordpress.com | ehow.com

Lahat naman tayo ay nais na ma-promote, hindi ba? Pero bakit ba parang napakahirap nitong abuti n

at kapag naman malapit na nati n itong marati ng o nandoon na tayo mismo sa itaas ay napakahirap namang manati li doon. Yun bang ti pong “almost but not quite.” Nariyang mas tumataas na ang mga inaasahan sa ati n at mas lumalaki na rin ang responsibilidad. Paano nga ba tayo magtatagumpay sa ati ng career?

1. Mag-aral at paunlarin ang technical skills. Ang unang makikita sa ati n ay ang ati ng teknikal na kakayahan. Kung tayo ay may potensyal ay mas magandang mas palawakin pa ang kaalamang ito. Kahit saan man kayo nagtatrabaho o ano man ang inyong trabaho, kung nais ninyo na magtagumpay sa inyong career dapat lang na pag-ibayuhin ninyo ang inyong verbal at writi ng skills. Marahil ang ilan ay iniisip na ito ay hindi mahalaga pero dyan kayo nagkakamali. Sa mga pagsulat ng mga memo o di kaya sa mga meeti ng, kailangan mong magbigay ng magandang impresyon ukol sa iyong kakayahan sa pagsusulat at pagsasalita. Hindi naman kailangang maging perpekto ngunit kung nais mong madagdagan ang iyong puntos sa pagpapatunay na karapat-dapat ka na ma-promote, kailangan mong paunlarin ang iyong kaalaman sa aspetong ito. Sa pag-aaral naman, hindi naman kinakailangan na kumuha ka pa ng masters

o doctorate degree. Sa kabilang banda, magiging mabuti ito para sa iyong career pero ang pag-aaral na nais kong ipabati d ay ang pag-aaral ukol sa kung ano ang background ng industriyang iyong pinasok. Halimbawa na lang ay kung IT ang industry ng iyong trabaho, dapat maging maalam ka sa mga basic terminologies man lang at kung anu-ano pa na may kinalaman sa iyong trabaho.

2. Pagpapaunlad ng Interpersonal Skills. Naaalala mo ba ang kasabihang “No man is an island?” Wala kang mararati ng kung wala kang makakasama o magiging kaibigan lalo na sa trabaho. Ang pagkakaroon ng magandang network sa trabaho ay importante. Hindi ka basta-basta mapopromote ng walang recommendati on sa iyong superior at mga positi bong feedbacks mula sa iyong mga kasamahan. Kailangan din na makisalamuha ka sa lahat ng tao sa iyong opisina dahil kung mas maraming tao ang nakakaalam ng iyong mga kakayanan, mas makabubuti ito para sa iyo.

3. Mahalin at Pagbuti hin ang Trabaho. Importante ang pagkakaroon ng talino, likas na kakayanan at experience sa trabaho; ngunit hindi lamang ito ang mahalaga. Nararapat lamang na maipakita mo ang iyong dedikasyon sa trabaho at upang maipakita mo nga ito dapat na matutunan mo rin na mahalin ang iyong trabaho. Ayon

nga kay Lauren Novo, isang PR at blogger, “Find glamour in the task you are given.” May iba nga sa ati n na hindi nila gusto ang trabahong kanilang nakuha ngunit ayon sa sinabi nga ni Novo, hanapin mo ang kagandahan sa iyong trabaho. Ano nga ba ang naitutulong ng iyong trabaho sa kompanyang iyong pinapasukan? Kapag nalaman mo na kung ano ito, ti yak na mas mamahalin mo pa ang iyong trabaho.

4. Huwag Palampasin ang mga Pagkakataon. Maging isang simpleng company outi ng lamang ito o di kaya ay mga seminar, huwag mong palampasin ang pagkakataon na makasali. Ipakita mo sa iyong mga kasama na marunong kang makisalamuha sa lahat at pagdati ng naman sa mga seminars, maigi lamang na sumali ka upang mas madagdagan pa ang iyong kaalaman.

Hindi madali at mabilis ang proseso ng pag-unlad sa iyong career at kapag narati ng mo na ang posisyon na nais mo, hindi din ganoon kadali ang magiging responsibilidad at trabaho mo. Mas malaki ang mga expectati on ng tao sa iyo at sa isang pagkakamali mo lang ay marami ang maaaring maapektuhan. Hindi ito pananakot o kung ano pa man. Ito ay para maihanda ka sa kung ano ang iyong kakaharapin. Maging masipag, mapagkumbaba, makihalubilo at pagyabungin ang kaalaman – sa mga sangkap na ito, ti yak ang iyong pag-unlad.

“Level Up: Next Gen” (John 15:16)

MaPromoteMaPromoteGusto kong


We, someti mes, take beauti fying for granted. This is not about wearing makeup; but more

of taking care of your skin. Yes, wearing makeup can make you look good; but isn’t a blemish-free canvass for your makeup bett er? It’s not always about concealing. We would be bett er and more budget-friendly, if instead of buying an aff ordable concealer, you won’t feel the need to buy one because you’re actually blemish-free!

Here are some of the Beauty Crimes that we oft en take for granted and the reason why we have this constant need to put our makeup on:

Overnight Cosmeti cs – 1. Don’t you dare leave your makeup on when you sleep! This is a big no-no as this will only block your pores and cause you acnes. Make sure that at the end of the day you remove your cosmeti cs using a makeup remover, then wash it thoroughly and lastly moisturize to hydrate your face overnight. Facial scrubbing every day -2. Use facial scrub but take it in moderati on. Do not use it every single day. Yes, a facial scrub can help remove the impuriti es in your skin but using it every day will only dry-up your skin. Who wants dry facial skin? Not me! Use them at least only 2-3 ti mes a week, then use a moisturizer. If you have oily skin, skip the moisturizer.Pricking Zits –3. I know, those facial ladies do that; but can you just leave that job to them? You might end up wounding yourself instead of speeding up the healing process. And please, do not prick those zits using your bare hands to . avoid infecti on.

Pulling and Rubbing –4. How do you apply your eyeliner? Do you pull your skin on your eye part? How do you apply your concealer or makeup base? Do you rub them on your face? If your answer is yes, then STOP! It will only cause you pre-mature wrinkles and we don’t want that to happen. So, when applying liner on your upper lid, close your eye naturally and line them, don’t pull. When you apply your concealer or makeup base, don’t rub, just dab using a sponge or your fi ngers or use a sti ppling brush.Tester Makeover –5. Some people think testers are amazing because you can use them for free; think again! Testers are called testers because that is what they are for. A lot of people have dabbed their unsaniti ze fi ngers or might have used that sponge applicator on their skin. And if you’re going to use them, their skin problems like acnes, warts, and the likes may be transferred to your skin. Either way, wipe the product fi rst with a ti ssue or bring your own makeup or “kikay” kit for testi ng purposes only.I’m Not Thirsty –6. A lot of people take this for granted but one of the reasons why a lot of people have dry skin is because they are not hydrated enough. No matt er how many and how oft en you apply moisturizers, it will not completely do the job if you’re not doing the basics. Drink 8-10 glasses of water everyday even if you’re not thirsty. It’s not only good for the skin but it’s also healthy.It’ll Work On Me Too –7. Just because the sales lady says it worked well on her or a beauty blogger blogged that it covered up all her blemishes doesn’t mean it will have the same eff ect on you. As much

Tips

as you can use reviews to guide you as to what to buy and not, it is always safer that you leave the judgment to yourself; try the testers (but keep in mind #5) and read the ingredients. Know your skin and where it may have allergic reacti ons too. Just because it worked on someone doesn’t mean it will always work on you.Only Lipsti cks are for Lips –8. Don’t take your lips for granted. Your lips can dry up and chap and that is not a good sight. Use a lip balm before applying a lipsti ck especially if it’s matt e and also use one before going to bed. You can also use lip scrub products to exfoliate your skin or lightly brush your lips with a tooth brush. If your lips are prone to drying up when using lipsti cks, switch to a lip gloss for a more hydrated feel plus it will make your lips look plumper, the Angelina Jolie way!Makeup Always – 9. Allow your skin to breathe every once in awhile. Have at least one or two days of a makeup-free day. Just like you, your face needs some rest too. Cosmeti cs have ingredients which could cause clogging on your pores so bett er skip a day or two without makeup so as to prevent the clogging and acnes.I cannot get any darker – 10. If you think the sun’s rays will just make your skin darker; think again. The UV rays may also give you skin diseases, sun burn, and even skin cancer whatever skin tone you may have. Use a product that will give your skin at least SPF 15 for proper protecti on.

Oft en ti mes it is the simplest of things thatwe tend to forget; and those simplethingsare oft en the ones that cause bigdamages. So, tell me, are you guilty or not guilty?

Hide No More:10 Beauty Crimes You Might Be Guilty Of

Tips


Tired of your zombie look? Or maybe looking like a punched panda? Oh well, a lot of us have been bugged

by those eyebags and dark circles. They make us look stressed and older. This is actually a common problem which is believed to be an effect of not having enough sleep and dehydration among other things. Some people think that there are no other solutions for it and if there is, it might be too invasive for them. But don’t be afraid. We have tips that will help lessen, lighten or might even completely remove your dark eye circles without holing your pocket.

Get Some Sleep!The number one most effective way to reduce those dark eye circles is by getting enough sleep. At least 6-8 hours of sleep for my age (early 20’s) would be good. The younger you are, the more number of hours of sleep recommended. According to fabric05.com, one of the reasons why people have those dark eye circles is because of insufficient sleep.

Beauty sleep wasn’t called beauty sleep for nothing!

Drink More WaterDehydration is one of the main reasons why you have those dark circles. Drink 8-10 glasses of water (we learned that in grade school, pretty basic.) a day to help reduce those dark eye circles and also to help maintain a good looking skin.

Cucumbers and TeabagsThe reason why you see this being used all the time on your favorite TV shows or movies is because this actually helps. According to healthtalkbuzz.com, cucumber is made of 90% water; therefore, it has a hydrating effect on the skin. Some researchers suggest using cucumber after refrigerating it. The cool temperature it releases actually helps reduce the puffiness of your eyes.

As for the Teabags, all you need to do is soak the teabag in warm water and then refrigerate it afterwards. This is

dual purpose as you can enjoy the tea and create a beauty treatment for your dark eye circles. When the teabag cools down, place it on the puffy part of your eye bags or dark eye circles. It is highly recommended to use green tea because of its anti-inflammatory ingredient or chamomile as it helps prevent swelling. The cooling effect it generates also helps reduce the puffiness.

Cosmetics and Other Beauty ProductsThere have been Eye roll-ons coming out of the market which is supposed to get rid or at least lighten your dark eye circles. Prices actually vary per brand or you can simply use a good foundation and concealer to hide them. You can do this before applying makeup to create a smooth and blemish-free looking skin.

Remember, the secret to beauty cannot be purely attributed to the expensive products you wear. There are natural ways to be beautiful, both inside and out.

Say Goodbye to those Panda Eyes!

Tips

Reference: gelleesh.com | healthtalkbuzz.com | fabric05.com


MF Index

Wer n u? tanong ni program assistant sa text sa kaniyang mga program members, at ang

sagot ng lahat ay D2 na me ENTREP Center! Aba! Talaga namang excited ang program members sa tuwing sasapit ang kanilang lingguhang center meeti ng. Ano kaya ang meron dito?

Isang beses sa isang linggo nagkakaroon ng ti natawag na Center Meeti ng ang bawat sentro ng KMBI. Inaasahan ang parti sipasyon ng mga program members dito dahil higit na makatutulong ito hindi lamang sa KMBI kung hindi lalo na sa mga program members.

Hindi Basta Araw ng KoleksyonAng Center Meeti ng ay hindi lamang araw ng koleksyon; mayroong mas mahigit pang layunin ito na makatutulong sa paglago ng mga program members. Dito ginaganap ang mga transformati onal acti viti es kung saan ang holisti c transformati on ay nagsisimula sa pamamagitan ng pagbabahagi ng bawat isa ng kanilang karanasan na maaaring makatulong sa iba nilang kapwa program members at kung saan naisasakatuparan ang transformati on sa apat na aspeto ng buhay - SEES (Spiritual, Economical, Environmental, Social).

Sa layunin ng Center Meeti ng na maisakatuparan ang pagpapaunlad sa mga

aspetong ito, sinasanay ang mga program members sa iba’t ibang gawain gaya ng pagdarasal at pagbabasa ng Bibliya, group sharing, pagbuo ng magandang samahan, at pakikipagtulungan. Bukod dito ay pinapaigti ng nito ang kaalaman ng mga miyembro sa pagpapalago ng negosyo at pagtuklas ng bagong produktong maaari nilang mapagkakitaan.

Bakit kailangan pa ng meeti ng?Kung mayroong naitutulong ang Center Meeti ng sa KMBI lalo’t higit mas marami itong naitutulong sa mga program members. Ang mga program members ay nagkakaroon ng dagdag kaalaman sa pamamagitan ng talakayan gamit ang SEES na ati ng ibinabahagi sa kanila. Tinutulungan din ng Center Meeti ng ang mga Program Members na magkaroon pagkakaisa at pagtutulungan habang pinati ti bay nito ang relasyon nila sa isa’t isa. Naaalala mo pa ba ang inyong Center Mutual Guarantee (CMG)? Sa center nagmumula ang pagtubo ng CMG o accountability sa bawat isa. Mangyayari lamang ang “accountability” na ito kung sila ay nagkaka-isa. Parang isang grupo ng magkakaibigan lang ito, kapag walang ti wala ang grupo sa isa’t-isa, asahan mong di magtatagal ay masisira ang kanilang samahan.

Ang Sekreto ng Perfect Att endanceSa requirement na 30-40 Program Members

Wer na U? D2 na me

ENTREP Center!ENTREP Center!Ni Grace Bauti sta

| Communi-K • vol. 8 no.224 | Communi-K • vol. 8 no.2

Ang Sekreto ng Perfect Att endanceSa requirement na 30-40 Program Members

|||| Communi-K • vol. 8 no.2Communi-K • vol. 8 no.2Communi-K • vol. 8 no.2Communi-K • vol. 8 no.2

25|“Level Up: Next Gen” (John 15:16) 25“Level Up: Next Gen” (John 15:16)

sa isang center, hindi laging nakakayanan na magkaroon ng perfect att endance; kaya naman dapat na huwag isasantabi ang paggawa ng mga nakaaaliw at makabuluhang acti viti es upang maengganyo ang mga program members na umatt end linggu-linggo ng Center Meeti ng. Gaya ng kanilang responsibilidad na umatt end, responsibilidad din nati n na`sa bawat pagdalo nila sa Center Meeti ng ay may matututunan sila na makatutulong sa pag-unlad hindi lang ng kanilang negosyo, kung hindi pati na rin ng kanilang sarili.

Kung walang Center Meeti ng, hindi lubusang maiinti ndihan ng mga Program Members ang tunay na intensyon ng KMBI. Maisasakatuparan lamang nati n ang transformati on na nais nati n sa pamamagitan ng isang makabuluhang Center Meeti ng.

O, ikaw, wer na u?

25|“Level Up: Next Gen” (John 15:16) 25252525“Level Up: Next Gen” (John 15:16)“Level Up: Next Gen” (John 15:16)“Level Up: Next Gen” (John 15:16)“Level Up: Next Gen” (John 15:16)

Grace Bauti sta sees herself as a strict and tough

leader with a motherly care for her staff . She also

believes that a good leader is also a good follower

and that is why she also practi ces obedience to her

superiors and maintains her credibility.


Project Update

Alejandro dela Cruz StoryProgram Unit Supervisor Trainee, Pasig branch

Soldier of DisciplineBy Gellie Anne Abogado

“I always ask God to give me strength. It’s the only thing I ask for from the Lord,” said Alejandro dela Cruz, a former PA of KMBI West Ave branch and recently promoted as PUS at Pasig Branch.

Having no late, absents or even a single under ti me, Alejandro has really been the persevering one ever since. He is from Negros and the second from the eldest out of nine children. He supported his educati on in college and worked from being a library janitor to being a laboratory assistant. When he was on his 3rd year in college, he was accepted as a scholar of the Philippine Army because he was already an ROTC offi cer. Because of his perseverance and hard work, he was able to graduate with a degree in BS Biology in 2002.

Alejandro’s fi rst work was with the Philippine Army. It has been his dream of becoming a soldier but soon, he felt like it wasn’t his calling so he decided to quit and tried his luck in Manila in 2008. He applied to a lot of job openings and when it was already down to two companies where he had been short-listed, he chose KMBI. “I believe it wasn’t an accident that I am here in KMBI. This is God’s will,” said Alejandro.

When he fi nally started working as a PA at West Avenue branch, the program members assigned to him wasn’t very friendly at fi rst because they were more at ease with their previous PA; but Alejandro never lost hope. He explained to the program members that “…The reason why we are here is because of KMBI’s program that will help uplift our

lives and should not be because of the PA’s assigned to you.” He also further discussed the benefi ts of having a CBU (Capital Build Up) and the microinsurance which KMBI off ers. “I explained to them that the longer they stay at KMBI, the higher their CBU will be; so that in case they decided to really stop loaning from KMBI and go on independently, they already have enough money to move on.” With the way Alejandro explained everything, he had won the program members’ hearts and they were fi nally at ease with him, at last.

A simple dream of having a simple life - that is what Alejandro asks for from the Lord. He just wants to conti nue working in KMBI so that he can fully support his child who is sti ll studying in Negros. He believes that he has been already in the process of fully fulfi lling his dream because what guided him the most is aft er joining KMBI, he truly met God. “KMBI has given me more than my monetary needs, it introduced me to God, it taught me how to open the bible, and it has given me enough confi dence to parti cipate in our daily bible sharing.”

When asked for what advice he could give other KMBI staff , he simply said, “You should be committ ed and loyal and most importantly, learn to love your work.” With two straight years of no absence, nor late, nor half-days, and even underti me, we can proudly say that we’ve got a really well-disciplined and hard working staff in Alejandro dela Cruz.

Communi-K • vol. 8 no.2

Feature Story

A passionate writer and blogger

who came to KMBI to share her

love and talent for writi ng and

to conti nuously inspire people.


Project Update

Soldier of Discipline

PATH System switches on 2012

KMBI’s Informati on Technology (IT) Division recently presented its newly developed system soluti on for Human Resource (HR) Management dubbed as PATH (Payroll, Att endance and Time Keeping, and Human Resources Informati on) System. PATH System aims to automate all the processes related to the operati on of the HR Department from data entry, tracking, up to analysis. The system consists of fi ve major modules: Recruitment and Talent Management. A system that streamlines the various processes involved in recruitment from hiring up to deployment processes. The system also has applicant tracking system that enables administrator to organize, control, manage, and conti nuously improve recruitment. Employee 201 fi les. A system that allows HR department to keep digital personal record of all employees. This system can track informati on like employment experiences, history of off enses, training, promoti on and salary package. Employee portal. A system that gives employees instant access to both their own employee data and corporate informati on via internet without having to go through the HR personnel. Task includes applicati on and approval of leaves, check 4HG loan status, travel plan and other benefi t-related acti viti es.

Time and att endance management. Automates ti me tracking related processes. This system effi ciently organizes daily ti me and att endance keeping records of every employee. It would also minimize inaccuracies of records. Payroll management. Automates the preparati on of payroll, calculati on of payroll taxes, generates payroll slips and reports. Currently, the IT Division fi nished and tested the said modules and confi gured servers to be used. According to Ronel Castor, IT Offi cer, “this system will improve how data of employees are entered, checking for benefi ts, accounti ng of ti me and leave, and viewing of employment records.” Among the many changes PATH System will bring will be the additi on of recruitment portal that aims to increase the accessibility of applicati on and status for both applicants and hiring departments. Once HR and IT Division is ready to fl ip the switch, KMBI employees should register to “Employee Portal” to access their employment informati on such as daily ti me record, applicati on for leave or even loan status, and their work history at KMBI. “There will be an orientati on on how to navigate this system before 2011 ends,” said Castor.

Project Updates

EISTOP or the Enhanced Informati on System towards Opti mum Producti vity is now taking its next step to enhance accounti ng system of KMBI. With Microsoft Dynamics AX, an ERP (Enterprise Resource Planning) soft ware soluti on for enterprises or large corporati ons with multi ple offi ce locati ons like KMBI, the organizati on is expecti ng to launch an automated accounti ng system in 2012. According to Nesie Parsacala, Finance and Accounti ng Manager, with the new system, “It will increase branch effi ciency and produce accurate report at real ti me. Lessen or reduce operati ng expenses, maximize assets, opti mize business processes and will provide excellent service both internal and external.” The Dynamics AX will be connected by Remote Desktop Connecti on; thus allowing the Head Offi ce to have access to the branch’s updates anyti me. The branch will be able to make use of its features such as the General Ledger, Account Receivable and Payable, inventory and the likes.“This will be of great help to the accounti ng system of KMBI because the Head Offi ce, being the locati on of the server, can already see the updates of the branches without the usual fi le sending done in e-mail which usually takes more ti me,” said Jofel Gandeza, IT Manager. The pilot testi ng for this project is set on January 2012 and it aims to have all branches uti lize the soft ware by December of 2012. For the next quarter, Parsacala will prepare a user training manual for the initi al product test in Anti polo and Tandang Sora branches with the server located at the Head Offi ce. Aft er the initi al test, the team will again congregate to discuss the results and possible product modifi cati on if needed.

EISTOP automates accounti ng system

MIS staff (left to right: Mark Jason Paras, IT assistant; Jofel Gandeza, MIS Manager; Christopher Santi ago, IT

assistant) testi ng PATH System Soluti on.


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

REGULAR HOLIDAYS REGULAR HOLIDAYSDATE DATE

New Year’s DayMaundy ThursdayGood FridayAraw ng Kagiti nganLabor DayIndependence Day

Eidul fi trNati onal Heroes’ DayEidul AdhaBonifacio DayChristmas DayRizal Day

Movable DateAugust 27Movable DateDecember 3December 25December 31

January 1April 5April 6April 9May 1June 11

SPECIAL (NON-WORKING) DAYS COMPANY SPECIAL (NON-WORKING) DAYS

Ninoy Aquino DayAll Saints Day

August 20November 1

KMBI 4 last working days Dec. 24, 26, 27, 28

Effi ciencyEffi ciency

Cost per Unit Lent*Cost per Unit Lent* Php 0.22Php 0.22

Cost per Loan Made*Cost per Loan Made* Php 1315.59Php 1315.59

Financial Self-Suffi ciencyFinancial Self-Suffi ciency 99.41%99.41%

Operati onal Self-Suffi ciencyOperati onal Self-Suffi ciency 102.99%102.99%

Number of Staff Number of Staff

MF Operati onsMF Operati ons 12661266

Support GroupSupport Group 101101

Organizational Performance3rd Quarter 2011

*Peso-dollar conversion as of September 30, 2011 – Php 43.63

KMBI (Kabalikat para sa Maunlad na Buhay Inc.) is now recommended for conti nuance of certi fi cati on on its ISO 9001:2008 given by TUV Rheinland Philippines in 2010. The surveillance auditi ng was done on September 18-22, 2011 at the KMBI Head and Extension Offi ce, and branches in Kidapawan and Koronadal. This year’s surveillance auditi ng scope was for the Design,Development Management Implementati on of Microfi nance Program. In additi on to previously certi fi ed departments, six other departments had undergone the ISO

certi fi cati on Audit, i.e Resource Mobilizati on & Communicati on, Entrepreneurship Development Services, Transformati on, Legal, and Training Departments. “This will be the fi rst of the annual surveillance audit in line with the accreditati on last year (October 7, 2010),” said Roda Caronongan, Systems Management Unit Head. The surveillance audit will be for the improvement of quality management system of the organizati on, bett er customer service and to check consistency in compliance to the system.

KMBI conti nues to be ISO 9001:2008 Certi fi edProject Updates

Left -Right: TUV Rheinland Phils. representati ves Ms. Minda Villapando,Lead Auditor; & Mr. Rene Julian, Technical Export; conducts a follow up audit on quality management system implementati on at Kidapawan branch; Center level verifi cati on on the implementati on of Microfi nance Program at West Avenue Branch.

Indicators

Loan Acti vity

Client Outreach 267,987

Php638.76M

Php1.65B

275

274,108

Loan Portf olio

Value of Loans Made

Ave. No. o f Client per PA

No. of Loans Made

Communi-k 2011 - 3rd Quarter

Documents

Transcript of Communi-k 2011 - 3rd Quarter