KMBI Communi-K, Power up the Big C

1|“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20)

Say NO! with thanks, grace and compassion

INSIDE:Utang: Deal or No Deal?

Goodbye PAR! Tips Para Maging Zero Par 17

Ang Galingni Juan!

18 8

God Will Provide

10 16

communi-k VOL 9 NO 2

KMBIISSN 2243-8939

CBIGTHEPOWER UP

|2 Communi-K • vol. 9 no.2

VOLUME 9 NO.2 2nd QUARTER 2012

HO holds Annual Disaster Management Orientation and Drill

News BriefsBalayan branch renders “KMBI Master Chef”

KMBI Calamba mounts Center Officer’s Retreat

NCR South team up to clean up

Pinamalayan turns one

Legazpi branch assist BU students immersion

Cebu North assists 28 fire victims in Bo. Luz

Santiago PMs initiate clean-up drive

p4

p5

Cover Storyp12 Power Up the Big C

p17

MF Index

Ang Galing ni Juan!

Project updatep23 CCDE distributes 1st harvest to beneficiaries

Masaya Dito sa KMBI!!!

p23 Photo contest winners!

Feature Story

p16 Goodbye PAR! Tips para maging Zero PAR

ENTREP 101

p14 I - Promote

Leaders’ Edge

p8

p9

p10

p11

God Will Provide

Dabarkads sa Workplace

Utang: Deal or No Deal?

Green Tips Ngayong Rainy Days

p6

p7

BOT appoints new KMBI leaders

KMBI host Thanksgiving Party

8 AFP scholars from KMBI announced for

SY 2012

Caraga staff celebrates Panagtigum 2012

Organizational News

Tipsp18

p19

p20

p21

Say “NO” with thanks, grace and compassion

Mabuting Kaibigan, Masamang Kaaway!

Lumolobo ka na ba? Tips upang hindi lumaki

ng husto sa trabaho

15-minute Quick Makeup Look

CONTENT

Cover Story: Power Up the Big CCommitment is a big word. It’s one thing to be committed and to stay committed. Cont. p12

Feature Story: Goodbye PAR!

Kahit sino sa KMBI ay alam ang ibig sabihin

nito. Pero ano nga ba ang ibig sabihin nito

para sa isang taga-operations? Cont. p.16

Leaders’ edge: God Will Provide If you prayed with all your heart and with

sincerity, God heard you and smiled at you.

Cont. p.8

Mf index: Ang Galing ni Juan!

Saan ka ba naman ba makakakita ng

fishbol-an sa ibang bansa? O di kaya

ang sikat na takatak boys? Mayroon ba

silang binatog, iskrambol o samalamig?

Walang ganyan sa States! Cont. p.17


Gusto mo bang ibahagiang iyong masayangkwento?

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

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

Marissa M. Dela RosaEditor-in-Chief

Lea J. Gatpandan-DomingoManaging Editor

Gellie Anne O. AbogadoAssociate Editor

Edwin Aruelo

Hernan Aspiras

Merry Francisco-Danes

Emman ManlapazContributors

John David I. UlangcaGraphics Design

Hector H. CelajesJefferson T. NgCirculation

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

THE EXECUTIVE’S NOTE EDITORIAL BOARD

Liza D. EcoActing Executive Director

Catalyst of Change - this is how we describe our profession. Our life in KMBI is definitely not glamorous but it has its rewards that make people stay. Through the years, I have worked with strongly committed leaders that not only share but fully live out the mission of the organization. These great leaders kindle the passion that I have to serve people.

Remember, what differentiates a great leader from the rest is the strong commitment they share and imbibe from people they are working with. It is easy to say that we are committed to our work and to the goal of the organization; but it is another thing to really act it out. Commitment simply means sticking until the very end and giving your 100%. You see, commitment is a choice, a decision you’ve made when you give out your YES.

As we go along with our work, let us be reminded to stay committed to our real boss, who may influence our commitments, and that is our God. According to Colossians 3:23, “whatever you do, work at it with all your heart, as working for the Lord, not for men,” with that in mind and in heart, we’d be sure to keep our commitment.

Be committed and let that passion ignite!


News Briefs

Balayan branch renders “KMBI Master Chef”

Adapted from a reality cooking game show, KMBI Balayan branch render its own version of “Master Chef” in the first ever Kitchen Sportsfest dubbed as “KMBI Master Chef.” 70 program members participated on the said event held at the All for Christ Church Brgy. Salong, Calaca, Batangas on May 26, 2012.

“With this activity, we aimed at showcasing talents of our program members in cooking and budgeting. This activity also enhanced their leadership, decision making and team building,” said Carol Ortega, Balayan branch program unit supervisor.

The kitchen sportsfest started with dawn watching, short reflection and praise and worship led by Pastor Joel Betis. Thereafter, participants were divided into two groups and given P2,200 to feed 50 people. The participants moved to Calaca Public market for the palengke challenge where they bought ingredients for dishes such as kare-kare, fried fish, palitaw and juice drink. “The palengke (wet market) challenge will enhance the budgeting skills of our program

members as they have to strategize and budget the money to be able to feed 50 people,” said Jose Ian Aguilar, CALABARZON 3 area manager.

After two hours of preparation and cooking, Normilita Limboc was proclaimed the 1st KMBI Master Chef. Limboc received a trophy and P500 cash prize. A raffle draw followed the awarding where washing machine, cellular phone, 172 sacks of rice, and rice cooker were given away to the participants. Balayan branch invested P13,000 to mount the whole day activity.

Staff from Batangas and Lipa branches served as Celebrity Master Chefs that guided challengers all throughout the activity. Meanwhile, Jose Ian Aguilar, and Florentino Gillado, Batangas branch program assistant, served as the cooking game show masters. Balayan branch also invited Brgy. Captain Teresita Marcial, Lipa branch manager Ma. Margarita Robles, and Jenly Medel (wife of Batangas branch manager, Richard Medel) as judges.

NCR South team up to clean up

Affirming its commitment to support KMBI’s environmental program, NCR South Area recently conducted its Clean Up Drive on April 14 at Tanza, Cavite.

NCR South branches, Binan, Pasig, MMS1 and MMS2 participated on the said activity at the Amaya community. The activity was part of KMBI’s commitment and partnership with Island Basics, a small & medium enterprise (SME) with an advocacy for greener environment.

After the clean up, the group held its team building activity at the Hardin de Postema Resort. The activities facilitated by the managers were adapted from KMBI’s previous retreat to further enhance the team’s ownership of common goal and improve relationship among staff and officers.

Photos (Clockwise): Balayan branch program members and participants of KMBI Master Chef preparing their dishes for the contest; PMs buying ingredients during their Palengke Challenge; and participants raised their hands in complete abandon during Praise and Worship.

KMBI Calamba mounts Center Officer’s Retreat

KMBI Calamba branch mounted a one-day retreat and team building activity for 144 center officers on May 26 at the Happy J. Family Resort in Calamba, Laguna.

The retreat was meant to refresh the spirit and empower center officers to be more efficient in handling their respective ENTREP groups. Moreover, the team building activity also provided venue for center leaders to meet other peers and widen their social network while having fun in the process. The day-long activity was capped with a raffle draw of small ticket items such as electric fans, pail, thermos, plastic drawers, dish container and pails of rice.

PMs having fun during their Center Retreat at Happy J Family Resort in Calamba, Laguna


News Briefs

Legazpi branch assists BU students in immersion

Santiago PMs initiate clean-up drive

With the aim to set a good example in the community, program members of KMBI Santiago branch initiated a clean-up drive to mark Brgy.Barancuag’s fiesta on June 23. Headed by its center president, Nora Tamani, together with some barangay officials, 20 program members and some staff gathered together in unity to clean the community of Brgy. Barancuag, Angadanan, Isabela. “We want to show them that aside from the financial help KMBI provides for the program members, we are also here to work hand in hand with the various programs of the barangay, which could lead to the development of the whole community,” said Earl John Benito, Santiago branch manager.

Six BSBA Major in Microfinance students from Bicol University immersed in KMBI (Kabalikat para sa Maunlad na Buhay Inc.) Legazpi Branch on April 24 to May 25, 2012 as part of their requirement in the said University. According to Kris Joy Dalanon, training manager, Shadow Learning method was used for the immersion. The students joined the Program Assistants and were exposed to various field works like (1) Organization of Program members, (2) Loan Facilitation, Collection and Control and (3) Center Management. “Through this immersion we support the industry’s effort to develop pool of manpower, which the organization is also clamoring for and will be benefitting in the long run,” added Dalanon.

Legazpi branch staff are the key contributors of the success of the immersion activity

Cebu North assists 28 fire victims in Bo. Luz Cebu North branch provides assistance to fire victims in Bo. Luz, Cebu City on June 6, 2012. A total of 28 families from four different centers gathered at the Abellana Gym to receive the galvanized iron, plywood and nails to help them rebuild their homes razed by fire last May 11.

KMBI Pinamalayan celebrated its first branch Anniversary through a trade fair and pageant held on April 21, 2012 at the ABADA College Gymnasium, Pinamalayan, Oriental Mindoro.

More than 300 program members from different municipalities attended the celebration which was kicked off by a motorcade of contestants of the Gng. KMBI 2012 in the main highway. Pinamalayan also organized a branch trade fair which showcased products of its program members ranging from processed foods, native delicacies, direct selling items, and cottage industry crafts.

Rhanny Barrera, acting operations director, graced the said event and officially launched the “Masaya Dito sa KMBI”

Pinamalayan turns ONE

campaign, of which the whole activity was part of.

Among the highlights of the celebration is the recognition of Best Center House (PIN -A 437), acknowledgement of branch’s Entrepreneur of the Year (Jennifer Capuli) and coronation of Mrs. Leonisa Ramos as Gng. KMBI Socorro 2012. Winners received certificates and gift packs. Moreover, television, washing machine, electric fan, and other prizes were given away for the raffle draw.

Pinamalayan branch is one of the newly established branches in 2011. Currently, it has a loan portfolio of P5.18 million maintaining a good standing of zero portfolio-at-risk or 0 PAR since its inauguration.

Rhany Barrera, Operations Director, together with Pinamalayan branch staff and reigned Gng. KMBI Socorro 2012.

Cebu North branch manager, Girlie Tering-Tering and Program Unit Supervisor, Lorena Elnas spearheaded the program and the relief distribution. As part of its Disaster Management System, KMBI invested a total of Php64,400 for the said relief operation. Thus, it is also the 9th relief operation of KMBI for program members this year.


Organizational News

KMBI head office staff attended the annual Disaster Management and Fire Earthquake

(From L-R) The 3 new Acting Deputy Executive Directors, Liza D. Eco for the Client Services Group, Rizaldy R. Duque for the Operations Group and Madelyn P. Frijillano for the Management Services Group

Valenzuela Bureau of Fire Protection Senior Fire Officer IV and Officer-in-Charge in Public Information Section, Alfredo Castro, demonstrating the proper way of using a fire extinguisher.

BOT appoints new KMBI leaders

KMBI Board of Trustees recently announced the appointment of new leaders of the organization in line with the ongoing restructuring of KMBI.

A division amongst three major clusters was initiated to facilitate organizational growth.

The Three main clusters are: (1) theOperations Group under its new Acting Deputy Executive Director, Rizaldy R. Duque; (2) the Management Services Group under Acting Deputy Executive

Director Madelyn P. Frijillano; and (3) the Client Services Group under its assigned Acting Deputy Executive Director, Liza D. Eco. The assignment of the three main clusters was made effective on May 7, 2012.

Aside from the newly assigned Acting Deputy Executive Directors, a re-alignment of the new Directors and Officers-in-Charge was announced on June 20, 2012.

The new organizational structure issaid to improve efficiency andeffectiveness of the organization, enhance

inter-relationship of all departments andbuild institutional effectiveness.

With the said changes, BOT appointed new Acting Directors for Finance and Accounting, Research and Development, and Entrepreneurship Development Services Department i.e. Nesie Grace A. Parsacala, Hazel Christine R. Bayaca, and Belen M. Sison, respectively. Further, officers-in-charge for Information Technology, Corporate Planning and Project Management, Resource Mobilization and Communications, Legal, Quality Management, and Audit Department was also announced i.e. Jofel P. Gandeza, Reginold D. Delos Reyes, Marissa M. Dela Rosa, Maylanie D. Apawan, Eureka D. Pesigan, and Harry Dalanon, respectively. While Annalie D. Concepcion is retained as the Director of the Administration Department, Mary Grace M. Burgos as the officer-in-charge for Human Resource Development Department, and Concepcion B. Parantar as the officer-in-charge for the Transformation Department.

“The next step for us now is to review ourgroup loan product and other businessprocesses with the goal of becoming moreclient focused,” said Madelyn Frijillano, new Deputy Executive Director for Management Services.

HO holds Annual Disaster Management Orientation and DrillSafety Orientation on June 06, 2012 at the West Ave. Extension Office and the actual drill at the Valenzuela head office.

Invited Clinical Psychologist from the National Center for Mental Health, Cons Paubsanon, Jr., gave a brief talk on the psychosocial effect brought by disasters. He likewise presented the various approach on dealing with psychosocial problems after a disaster.

Meanwhile, Valenzuela Bureau of Fire Protection Senior Fire Officer IV and Officer-in-Charge in Public Information Section, Alfredo Castro, provided easy life-saving

tips if an earthquake or fire occurs. He also stressed the importance of presence of mind as well as unity to successfully endure and survive an emergency or a disaster. “Orientations and drills like these are important so you would be prepared in case a real disaster or emergency like fire or earthquake happens,” said Castro.

After orientation, a simulation drill was conducted at the Head Office to test if the staff learned the techniques discussed during the orientation. “It should always be taken seriously because if done properly in real life situations, it could really save lives,” added Castro.


Organizational News

KMBI hosts Thanksgiving Party

KMBI management hosted a Thanksgiving Party for the job well done in hosting the 22nd APPEND Leadership Camp held at the

Waterfront Hotel, Lahug, Cebu City. During the festivities, KMBI CEO Eduardo Jimenez shared the compliments he received from

leaders in the APPEND Network. “I received a lot of compliments about how excellent the event was handled despite undergoing our recent crisis. Others expressed how they were blessed by all of the learning they have received from the guest speakers, the praise and worship, the venue and the spirit of the KMBI staff.” Ms. Marifel Suplemento, representative from APPEND in turn expressed her thanksgiving over KMBI’s role in ensuring the success of the Leadership Camp.

The activity started with group fellowship, and praise and worship. Thereafter, team building activities such as cheering competition, bible verse relay, and swimming relay were also conducted. Further, AVPs on the APPEND Leadership Camp were also shown.

The next APPEND Leadership camp is slated to be hosted by TPKI for 2013.

4HG members: (L-R) Ken Layawan, Glenn Parsacala, Sweet Maga, Rannah Gadon and Harry Dalanon jamming on a worship song during Thanksgiving party held at Club Manila East.

KMBI announces 8 AFP Scholars for SY 2012

Eight students from KMBI (Kabalikat para sa Maunlad na Buhay Inc.) were chosen as the second batch of scholars under the AFP (Adopt-a-Family Program) of APPEND (Alliance of Philippine Partners in Enterprise Development) for the school year of 2012 as announced last May 17.

The said scholars from KMBI are Ace Dhenniel V. Daria (Malolos), Jelliza E. Ranoco (Calamba), Clain Darrenne B. Mendoza (Upper Cavite), Jobet J. Babaan (Upper Cavite), Nikko A. Ibay (Tacurong), Giovanni

CARAGA staff celebrates Panagtigum 2012Part of cultivating the team spirit and organization’s pride, CARAGA area come together for the Panagtigum 2012, a sports fest activity, held at D.O Plaza Sports Complex in Patin-ay, Agusan Del Sur on April 21, 2012. Hazel Laurente, CARAGA area manager, welcomed the participants with an opening remarks followed by a torch lighting that jumpstart the program. Among the activities are cheerdance competition, basketball, volleyball, and the Search for Ambassadress and Ambassador of KMBI that spur participants sportsmanship. Coined from the word Panagtigum, a Visayan term for pagkikita-kita, CARAGA area used the activity to enrich teamwork. “We are aiming at strenghtening staff’ unity in order for them to work together in one mind, heart and goal,” said Laurente.

Four of the eight AFP Scholars from KMBI (L-R) Jelliza E. Ranoco, Giovanni A. Tingson, Patrick B. Pe Benito and

Clain Darrenne B. Mendoza

A. Tingson (Bacolod), Patrick B. Pe Benito (Calamba) and Rose Al Tayam (Calamba).

The scholars will receive PhP10,000.00 tuition fee subsidy, PhP1,500.00 monthly allowance and PhP1,000.00 uniform allowance per semester. “For the chosen students, I wish them to have a thankful heart for there are organizations like APPEND who willfully help people without asking for anything in return,” said Rannah Gadon, continuing education assistant of KMBI.

HO holds Annual Disaster Management Orientation and Drill


Leaders’ Edge

GODWILLPROVIDEEvery time we hear or read this phrase

we automatically think that God will bless us with financial or material

things in perfect time or in a supernatural way. We hear and are encouraged by other people’s testimonies about their personal experiences wherein God provided their needs, or we ourselves can testify that truly He never forgets us; that for He always provides. Most of us think of “God’s provision” as a thing we can quantify and more often than not, we measure it by physical and monetary measure.

However, God’s provision is not limited tothe financial area of our lives. In the bible,even before God created man, He alreadycreated first all the things that man needsto survive and enjoy life. Then, He created man and saw that the man was stillunhappy, He created a woman to be hiscompanion. It is clear that God has createdand provided us everything we need in life.If we will evaluate our lives, God provided us a family who loves and care for us, relatives that support us, friends we can hang out with and comfort us; and a community that gives us a sense of protection every time we are in our place. We must not forget that God created us in His own image and likeness (Genesis 1:26); we are fearfully and wonderfully made (Psalm 139:14). God

also gave us the ability to produce wealth– (Deuteronomy 8:18) and an assurance that we will be successful and prosperous in the future (Jeremiah 29:11). God even provides problems and struggles in life to mold our character and make us matured, God-dependent and strong individuals. He gives us challenges to bring out the best in us. After realizing these things we can say that since the beginning, GOD HAS ALREADY PROVIDED for us.

And don’t forget that at this very momentyou are reading this, God gave you this TIME – time to acknowledge His love and mercy for you and ALL He provided for you to become successful in the future. I challenge you to take this time and to think about ALL that God has already provided for you. You can pause for a while………….. And right now, I want you to pray this simple prayer:

Lord, Thank You; for You provided all that Ineed in life to become successful but I am sosorry because I neglected it all, and I reliedon my own strength and followed my sinfulnature. Today, I acknowledge that You areright and I am wrong. I believe that withoutYou in my life I cannot fulfill my destinyaccording to your plan. I need You in mylife. And right know I invite You to comeand lead my life. I surrender and commit

my life to You. Be my Lord and my saviour,in Jesus’ name, AMEN.

If you prayed with all your heart and withsincerity, God heard you and smiled at you. I believe that all the promises thatHe gave you will be fulfilled in your lifebecause He is our Father in heaven and weare His children.

For you to continue to have journey withGod (1), recover your bible, (2) have time to meditate on it and, (3) go to church and find a group that can help you to grow your relationship with God. Remember that God has already provided you everything you need to succeed. You only have to A.S.K! and you will receive; and you will find and the door will be open for you to have it.-oh Happy Day! :)

Leaders’ Edge


By Emman Manlapaz

People would often describe Emman as a responsible and God-fearing individual who is born to be a leader. He shares his optimism everyday to his colleagues with just one push of the send button on his phone - Oh happy day!


Halos araw-araw ay nakakasama natin ang ating mga katrabaho sa opisina. Kahit pa nga anong

gawin natin ay hindi natin sila maaaring iwasan dahil darating at darating ang pagkakataong kakailanganin natin ang isa’t isa. Sa isang organisasyon na gaya ng KMBI, kailangan ang pagtutulungan ng bawa’t isa upang magampanan natin ang ating mga tungkulin tungo sa pagtupad ng layunin ng organisasyon. Ngunit minsan, kahit saan pa ngang opisina, ay hindi maiiwasan na magkaroon ng alitan o pagtatalo ng ilan. Madalas nga, ito pa ang nagiging dahilan ng pagka-unsyami sa pagpapatupad ng layunin ng isang kompanya o organisasyon. Anu-ano nga ba ang maaari nating gawin upang magkaroon ng maayos at magandang relasyon sa ating mga kasamahan sa trabaho? Ngiti naman D’yan! Kung ikaw ang tipong laging subsob sa trabaho at nakasimangot, bukod sa hindi ‘yan magandang tingnan at nakadadagdag pa ng iyong wrinkles, hindi rin iyan ang tamang attitude sa trabaho. Ngiti naman d’yan tuwing makakasalubong mo ang isang kasamahan sa trabaho o di kaya makipagkwentuhan tuwing break time. Ngitian din at i-welcome ang mga bagong empleyado. Hindi mo rin naman siguro gugustuhing pagpasok mo sa

isang kompanya ay panay matataray at nakasimangot ang mga tao diba? Sumunod sa Company Policies Oo, nakakatulong ang tamang pagsunod sa company policies! Ang mga company policies ay ginawa upang ma-maintain ng isang kompanya o organisasyon ang kanilang standards at para na rin sa ikabubuti ng marami. Kung susuway ka, gawin na lang nating halimbawa ang dress code sa isang kompanya, maaari itong pag-umpisahan ng conflict na bakit hindi ka nasisita o di kaya ay maaari kang magkaroon ng violation na minsan nga ay maaaring ikasama ng iyong loob. Gayun din naman sa mga nagpapatupad ng company policies. Siguraduhing alam at naiintindihan ng mga empleyado ang company policies ng maayos upang hindi magkaroon ng alitan o pagtatalo ukol dito. Huwag Mang-Tsismis! Alam mo ba na isa sa mga pinagmumulan ng away ay ang tsismis. Kaya iwasan ang pagkakalat ng tsismis laban sa iyong mga kasamahan sa trabaho o di kaya umiwas din sa pakikinig sa tsismis. Oo, hindi rin tama ang makinig ka sa tsismis na ikinuwento sa iyo dahil sa oras na marinig at manatili na ito sa iyong isip, hindi mo mapapansing nag-iiba na ang tingin at pakikitungo mo sa tao na inyong pinag-tsismisan.

Alam mo kung ano ang mabuting gawin kapag napunta na ang kwentuhan ninyo sa tsismisan tungkol sa inyong mga kasamahan sa trabaho? Change topic! Ito ang tamang panahon para sumingit ka at mag-change topic. Magbigay ng Respeto Ang pagbibigay ng respeto ay wala sa posisyong pinanghahawakan ng isang indibidwal. Hindi kinakailangang maging Director pa o Manager ang isang tao para bigyan mo ng respeto. Ang hindi mo pagbibigay ng respeto kahit pa sa mas mababa ang posisyon sa iyo ay maaaring pagsimulan ng alitan. Tandaan na kung bibigyan mo ng respeto ang lahat ng tao sa iyong opisina, mas magiging maayos ang relasyon mo at hindi ka mahihirapang makisalamuha sa mga tao sa trabaho. Ang pagkakaroon ng magandang relasyon sa iyong mga kasamahan sa opisina ay makatutulong upang maging maayos din ang iyong pagtatrabaho. Isipin mo na lang, kung magkaroon ka ng hindi kapalagayan ng loob sa trabaho, hindi ba’t nakakawalang ganang pumasok o magtrabaho? Mas nagiging productive tayo kung bukod sa mahal natin ang ating trabaho ay kasundo din natin ang ating mga kasamahan. At sa pagiging productive natin ay hindi malayo ang pag-asenso, hindi lamang ng ating sarili, kung hindi pati na rin ng buong organisasyon.

Mga sanggunian: http://office-relationships-politics.knoji.com/how-to-create-a-harmonious-relationship-with-your-colleagues/ http://www.exforsys.com/career-center/conflict-management/maintain-harmony-at-workplace.html

sa WorkplaceDabarkads

Leaders’ Edge

Ni Gellie Abogado


Ano nga ba ang pumapasok sa ating isipan tuwing maririnig natin ang salitang: UTANG? Maraming umaasa

dito, maraming takot dito at maraming hindi pinapangarap na makadaupang palad ito. Sa totoo lang, mahirap ang mayroong utang; ngunit may mga pagkakataong hindi talaga natin maiwasang kumapit kay Manong Bumbay o kaya naman sa mga kamag-anak nating mas may kaya sa atin upang humiram ng pera. Marami tayong iba’t ibang dahilan kung bakit kinakailangan nating mangutang at ang sabi nga natin, kung mayaman nga lang tayo, hindi na natin kailangan mangutang. Teka, teka, hindi niyo ba alam na kahit ang mga mayayaman ay nagkakautang din? Oh, nagulat ka ‘no? Kung inaakala mong kapag yumaman ka ay hindi mo na kakailanganing mangutang, dyan ka nagkakamali. Maraming mayayaman ang umuutang pa rin, ngunit nagkakatalo lang iyan sa kung saan mo nga ba gagamitin ang perang iyong inutang. Hindi naman siguro lingid sa kaalaman nating lahat na ang KMBI ay nagpapahiram ng pera sa microentrepreneur upang mas mapalago pa ang negosyo nila. Ito ang masasabi nating: Good Debt. Oo, meron tayong tinatawag na good at bad debt. Hayaan mong bigyan kita ng halimbawa o scenario kung paano mas lalo pang maiintindihan ang ibig sabihin ng good debt at bad debt. Napapalapit na naman ang pistang bayan sa lugar nina Aling Simang. Ang mga kapit-bahay niya ay nagkakatay na ng baboy, namimili na sa palengke ng iba’t ibang sangkap upang maihanda at inaayos na ang kanilang mga bahay upang maging presentable para sa

mga darating na bisita. Alam ni Aling Simang na tradisyon na ang maghanda tuwing pistang bayan, kaya naman lumapit siya sa isang Bumbay upang mangutang ng 5/6 nang may maihanda siya at maimbitahan ang mga kamag-anak mula sa Maynila na dumalo sa kanilang pistang bayan. Ang dahilan ni Aling Simang, pinapairal lamang niya ang isang katangian nating mga Pilipino, ang pagiging hospitable. Si Gina ay isang call center agent na kumikita naman ng sapat para sa kanyang pang-araw-araw na pangangailangan. Ngunit sa loob ng isang taon ay ikakasal na siya sa kanyang kasintahan at alam niyang kailangan niyang makapag-ipon para sa kanyang magiging pamilya lalo na’t mahirap na ang buhay ngayon. Kaya naman, nagloan si Gina sa kanilang opisina at ginamit niya ang perang iyon upang ipuhunan sa online business na kanyang itinayo. Dalawang pangyayari, parehong nangutang, magkaibang paraan ng pangungutang, magkaibang bagay na paggagamitan. Ano ang inyong masasabi? Alin ba sa tingin ninyo ang good debt at bad debt? Ang ginawang pangungutang ni Aling Simang upang ipang-handa ay isang bad debt. Oo, maganda ang kanyang intensyon ngunit ang kanyang ginawang pangungutang ay isang dead investment. Ang ibig sabihin nito ay hindi iikot ang pera at bagkus, mauubos lamang ito at hindi mapapalago. Ang ginawa namang pangungutang ni Gina ay ang tinatawag na good debt. Nangutang si Gina ngunit ang perang kanyang nahiram ay ginamit niya upang magkaroon ng online business na makapagbibigay sa kanya ng extrang kita.

Iikot ang kanyang pera at may posibilidad pa ngang lumago ito. Na-gets mo na ba? Isa pang halimbawa: Kapag ikaw ay nangutang upang ipagpagawa mo ng bahay, alam mo bang bad debt din ito? Oo, basic necessity nga siya pero ayon sa rules ng assets and liabilities, ang pangungutang upang makapagpagawa ng bahay ay isa pa ring dead investment. Kinalaunan, magkakaroon ng mga sira sa bahay at gagastos ka pa ng gagastos upang maipakumpuni lamang ito; ngunit ibang usapan naman kung nagpagawa ka ng bahay at nilagyan mo ito ng ilang extrang room for rent. Sa pamamaraang ito, magkakaroon na ng income ang bahay mo at matatawag mo na nga itong isang good debt dahil nakakapagpasok na ito ng pera. Malinaw na ba? Kaya naman importanteng tama mong ma-handle ang iyong pera. Isipin mo na lang kung sakaling mayroong magkasakit sa iyong pamilya, ang pagpapa-ospital ay isang bad debt; kaya nga dapat ay marunong ka magtabi ng pera para sa emergency fund, pambayad ng utang at syempre, huwag kakalimutan ang 10% na tithes. Kung wala namang extrang pera pang-handa sa mga birthdays, pista at kung ano pa mang okasyon, huwag na lang maghanda. Marami pang mas importanteng bagay ang kailangan mong pagtuunan ng pansin. Tandaan na hindi masama ang mangutang. Ngunit dapat lamang nating i-analyze maigi kung saan nga ba natin gagamitin ang perang ating inutang. Ito bay ay isang bad o good debt?

Leaders’ Edge

UTANG: DEAL NO DEALORNi Gellie Abogado


Parang kailan lang ay nagtatampisaw ka sa dagat at nagbibilad sa araw pero ngayon heto at hirap ka na

namang gumising sa umaga dahil sa lamig ng panahon. Oh no! tag-ulan na naman?! Syempre kapag sinabing tag-ulan ay maiisip na rin natin ang baha, putik at trapik na ating kinaiinisan sa tuwing tayo ay lalabas ng bahay. Alam naman nating ang pagbabaha ay isa lamang sa mga epekto ng pagsasawalang bahala ng marami sa ating kalikasan. Kaya naman narito ang ilang simpleng pamamaraan upang kahit ngayong tag-ulan ay mapangalagaan pa rin ang kalikasan: 1. Conserve water. Hindi dahil sa maraming

tubig ngayong tag-ulan ay pwede kang mag-aksaya ng tubig. Kaya naman ate at kuya, ilabas na ang timba, batya at mas makakabuti kung mayroong drum at sahurin ang tubig ulan. Ang tubig ulan na ito ay pwede mong gamiting panlinis ng CR, panglaba ng mga basahan, at pandilig sa mga halaman. Siguraduhin lang na maayos na takpan ang mga tubig upang hindi ito tirahan ng lamok. Sa ganitong paraan, napanatili mo ng malinis ang iyong bahay, at makaka-save ka rin ng pera mula sa iyong water bill.

2. Panatilihing maayos ang basurahan. Siguraduhin maayos ang inyong mga basurahan dahil kapag ito ay natumba at kumalat ang inyong mga basura, siguradong aanurin ng ulan ang iyong mga basura na pwedeng maging sanhi

ng pagbaha. 3. Sumali sa mga Tree Planting activities.

Alam mo bang mas mataas ang survival rate ng mga bagong tanim na puno kung ito ay itatanim sa panahon ng tag-ulan? Hayaan mo na muna ang maputik na daan, ang mahalaga ay makapagtanim tayo ng puno na maaaring magligtas ng ating buhay.

4. Tingnan kung barado ang drainage sa inyong lugar. Kung sakaling barado ito ay ipagbigay alam agad sa

kinauukulan para maisagawa ang drainage cleaning activity.

5. Tanggalin ang sebo o mantika bago hugasan ang kasangkapan sa kusina. Kung maglilinis ng mga masesebong kaserola at kawali, mas mabuting punasan muna ito gamit ang tissue

o dyaryo bago ito hugasan. Ang mga sebo o mantika na bubuhos sa

inyong lababo ay maaaring maipon

at mamuo pagdating ng panahon. Ito ay magiging dahilan ng pagbabara ng inyong drainage.

6. Magdala ng face towel o basahan sa byahe. Sa mga sasakyan ay madalas nating makita ang mga taong nagpupunas ng sarili o kaya naman ng sapatos gamit ang tissue kapag umuulan. Ang iba sa kanila ay itinatago muli ang gamit na tissue sa kanilang bag habang ang iba naman ay basta na lamang itinatapon ito sa kung saan. Siguro naman ay alam na natin ang maaaring mangyari sa mga basurang ito kapag tag-ulan. Kung towel o basahan ang ating gagamitin, bukod sa makakatulong tayo sa kapaligiran ay makaka-save din ang ating bulsa.

O, ayan! ‘di ba pwede pa ring maging eco-friendly ngayong tag-ulan. Kaya naman ugaliin nating pag-ingatan ang kalikasan sa lahat ng panahon upang sa ganoon ay maiwasan rin ang sakuna.

Green Tips Ngayong Rainy Days

Mga sanggunian:

http://ecofriendlytip.com/2009/06/26/easy-green-tips-rainy-season/

http://globalnation.inquirer.net/cebudailynews/community/view/20090406-198182/Plant-trees-during-rainy-season

Leaders’ Edge

Ni Lea Gatpandan-Domingo


Commitment is a big word. It’s one thing to be committed and to stay committed. The dictionary could give

us tons of meaning but it’s another story if the Big C is applied in every aspect of our lives. For example, in a relationship, commitment is said to be something beyond love. For a relationship will not survive on love alone.

When we sign the contract upon being hired full time in a company or in an organization, we pledge loyalty and commitment to the organization and to our work. It is actually quite easy to say that we are committed to our work; but really doing it is another thing. Temptations will knock on your door and will try to break your commitment – will you give in?

Starting Out and Doing Good

I guess everyone gives out their most impressive performance during their first few months at work; but let’s admit it that once we’ve signed that regularization paper, we tend to be more relaxed and

comfortable thinking you’re already good with your current situation. Is that all there is to us?

Pause. Rewind.

Why do we apply in a specific job? Is it just about the money? Personally, I look for a job, which I am really into. I don’t want to just go and pass my resume to a job, which would entail me to do things I’m not into or out of my passion. It’s like marrying someone I’m not attracted to in the first place. That’s where commitment initially starts. It’s when you’ve chosen a job equated to your passion and entails you to do the things you love doing the most.

Being productive at work means loving and staying committed to what you do. That is why it is a necessity that you’re doing your job not just to earn money; but because you can actually see yourself doing it in the long run and actually being happy in that situation. Have you visualized it?

When Temptations Knock

Give in to that chocolate cake and you’re sure to break your commitment with your diet; you would feel the guilt afterwards but you won’t feel it while you’re enjoying that sweet little piece of devil. You know it’s a temptation, you know it’s wrong; but here’s what you’re telling yourself, “a little piece of cake won’t hurt nobody.” Actually, it will – YOU. When you give in to a temptation just to satisfy your initial needs, you’re not putting someone else’s job at stake but yours. Before you give in, ask yourself, are you ready to lose your bread and butter? How will this affect your family, your current state in life or your relationship with your co-workers?

And then, it all comes back to how much you value your job and the work of the organization you’re in. You might think that no one will notice it and it won’t have an effect on the organization; but truth is that you would be creating this little hole, which will eventually grow bigger if left untreated.

Cover Story


Ni Gellie Abogado CBIGTHEPOWER UP

13|“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) l

Again, before you do things, think it over. It may look like an opportunity; but if you are using the organization for the benefit of another body or if the organization will be at stake, it is not an opportunity; but a temptation. Yes, they may look like an ice cream sundae with cherry on top; but it melts easily and before you know it, it’s all gone and melted and your hands are now all sticky. The goods did not last long and it even left you with a bigger mess. Working Together and Being Stronger

KMBI, as microfinance institution here in the Philippines, is one of those organizations, which aims to help alleviate poverty in our country through holistic transformation.Do you have the same vision? Together, we should only have one desire; and that is to fight poverty. And whatever our task in this organization will have a significant effect in achieving and reaching this goal. Each one of us, whatever our position may be, is part of the vision and the team against poverty and yes - you are definitely one of us. This may be your bread and butter; but in being one with the organization means we all share the same goal.

If we give in to the temptations to break our commitment with the organization, we are jeopardizing our dream to defeat poverty. Yes, whatever you might be doing in this organization, you are playing a significant role and you are important. So if you fall into temptation, there is a possibility that you will, eventually, drag the organization down with you and the vision to defeat poverty will now be out of sight.

In the end, it all boils down to how committed are we to our task in fighting poverty with the organization. Are we in the running on becoming agents of change or are we just doing this as a source of income? Keep in mind that if you’re thinking of the latter, you cannot fully grow in your job. Passion, love and commitment will always be the main ingredients for a successful you;and with your success, comes the success of the organization’s goal.

13“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20)

“Whatever you might be doing in this organization, you are playing a significant role and you are important.”


Maaari ka rin magbigay ng regalo sa iyong mga loyal customers tuwing Pasko. Maaari kang mamili sa Divisoria ng naka-wholesale upang mas makatipid. Sigurado ma-aapreciate ito ng iyong mga loyal customers.

I-Reorganize ang iyong Tindahan

Kung ikaw ay isang may tindahan o maraming produkto na binebenta, ito ay para sa iyo. Naisip mo na ba ang linisin at ayusin mo ang inyong paninda? Ano ang ikinatutuwa mo kapag ikaw ay namimili sa supermarket katulad ng Savemore, Robinsons at Puregold? Ano ang common sa kanila? Tama! Maganda at malinis ang pagkakaayos ng mga produkto nila at halos lahat ng kailangan mo ay mayroon sila. Ikaw ba ay ganyan sa iyong tindahan? Ang tamang merchandising ng produkto at malinis na kapaligiran ay nakakahalina ng mamimili. Pagsama-samahin ang mga complementary products kagaya ng kape, gatas at asukal. Mga simpleng bagay lamang ito pero madalas ito ay nakakaligtaang gawin dahil busy daw o walang kasama sa tindahan. Pero kung susuriin at gugustuhin, kayang-kaya itong gawin. Maglaan lamang ng oras at panahon. Pwede kang magsarado muna

I-reorganize ang iyong tindahan

ENTREP 101

Customer is the KING! Ang statement na ito marahil ay narinig na natin o nabasa. Ito ba ay tama? Definitely, this is true. Kung nais mong umunlad ang iyong negosyo, lagi mong isipin kung ano ang makakabuti sa iyong customers. With Customer as KING, mas makakaisip ka ng mas creative na pamamaraan upang mapabuti mo ang kalagayan ng iyong negosyo at mas makatugon sa pangangailangan ng iyong “market” o “customers.” Hindi kailangang magastos o maging magarbo para lamang mapanatiling interesado ang customers mo sa iyong produkto o serbisyo. May iba’t ibang pamamaraan o promotional strategies upang maabot mo ang mas malawak na market o makatugon ka sa pangangailangan ng iyong costumers:

Usung-uso na nga ang mga online Group Buying sites. Bakit hindi mo i-try sa iyong negosyo? Magpaskil o maglagay ka ng announcement sa labas ng stall mo kung saan ang bawat grupo ng 10-20 katao, na bibili ng produkto mo ay magkakaroon ng group discount. Kailangang ma-compute mo ang discount depende kung magkano

ang gusto mong kitain. Magkakaroon ka ng bulk orders na makakapagbigay sa iyo ng madaliang kita dahilan sa mabilisang turnover of goods. Ang mga taong ito mismo ang maghahanap ng mga kasamahan nila. Parang nakakuha ka na rin ng libreng advertisement, hindi ba?

Ang bawat mamimili ay may kanya-kanyang expectation sa bawat establishment na kanilang pinupuntahan. Ikaw, ano ang mga bagay na ini-expect mo kung ikaw ay may bibilhin? Sigurado ako, isa sa mga iyan ay magandang pakikitungo ng may-ari o salesperson sa pinuntahan mong tindahan. Kung iyan ang totoo para sa iyo, iyan din ang katotohanan para sa iyong mga costumers. Ang magandang pakikitungo sa isang customer ay isang mainam na strategy upang makuha mo ang loyalty nila. Hindi mo dito kailangang gumastos. Ang matamis mong ngiti at maayos na pakikitungo ang iyong puhunan. Maaari mo ring alamin ang mga birthdays ng mga loyal mong kliyente; maaari mo silang padalhan ng regalo o birthday card. Hindi naman kailangang may kamahalan ito. Siguradong matutuwa sila na naalala mo sila sa kanilang kaarawan.

I-Promote Makabagong Pamamaraan ng Product Promotion

Ang Group Buying Strategy

Pakitunguhan ng Maganda ang mga Customers

Ni Merry U. Francisco-Danes


ng tindahan sa araw o oras na ikaw ay matumal, upang maisagawa ang paglilinis at pag-aayos. Magkaroon ng Signage

Ang iyo bang negosyo ay mayroon signage o karatula? Karamihan sa mga napuntahan kong kliyente ng KMBI ay walang mga signages na makatutulong sana na makilala at matandaan ang kanilang pwesto o stall. Hindi kinakailangang mahal ang signage. Ang pagpapagawa ng tarpaulin ay di kamahalan at nababase sa iyong kakayahan. Maaari din namang gumamit ng pintura o maghanap ka ng mga libreng nagpipintura ng mga advertisement na nakatie-up sa isang produkto kagaya ng Del, Coke at Tide.

Mag-Sponsor

May nagpapaliga ba sa inyong lugar kada taon? Mag-sponsor ka! Hindi kailangan malaki ang iyong ibigay, napag-uusapan naman iyon, basta ang deal mo lang ay libre ang plugging ng iyong negosyo at makakapagkabit ka ng iyong tarpaulin na nagpropromote ng iyong negosyo.

Go Online!

Kung ikaw naman ay techie, at ang mga products mo ay fashion accessories, native products, clothes, or ukay-ukay o kahit na anong possibleng bagay na pwede mo

mabenta mo sa internet, pwede kang pumunta sa Facebook, Multiply at gumawa ng libreng account sa mga nasabing social networking sites. Libre ang mga ito, ang kailangan mo lang ay maganda ang iyong website. Maaari mong i-try ang mga group buying site gaya ng Deal Spot, Cash pinoy, Metrodeal, ngunit kalakip ng bawat mabebenta ay ang porsyento o commission nila.

Hindi mo kailangan ang mataas ng edukasyon o malaking pera para mai-market ang iyong negosyo. Marunong ka lamang mag-observe sa iyong kapaligiran, kakumpetensya, at lalong-lalo na sa mga customers mo, ang iyong negosyo ay siguradong aangat.

Magkaroon ng Signage

Mag-Sponsor

Go Online!


Goodbye PAR!Feature Story

ZERO PAR – Kahit sino sa KMBI ay alam ang ibig sabihin nito. Pero ano nga ba ang kahalagahan nito para sa isang taga-operations? Malamang kung hindi ka taga-operations at hindi mo pinagdaanan ang pagiging Program Assistant ay hindi mo lubusang maiintidihan ang kahalagahan nito sa kanila at ang kanilang mga pinagdaanan makamit lang ito. Marahil ay marami na tayong narinig sa kanilang mga karanasan, may masaya, exciting, nakakatakot o minsan ay sadyang kakaiba lang.

Para sa ilan ay hindi madaling makamit ang Zero PAR, pero pinatunayan ni Cashmere Cayaban, na kayang-kaya itong makamit ninuman. Si Cashmere ay kasalukuyang Area Manager ng Pampanga Area. Bago nya nakamit ang kasalukuyang posisyon ay naging Program Assistant ito ng Koronadal branch hanggang sa mapromote bilang Branch Manager ng Mabalacat branch. Lahat ng ito ay bunga ng kaniyang sipag at dedikasyon sa trabaho.

Bilang Branch Manager noon aynagsumikap siyang mapanatiling Zero PAR ang kaniyang branch. Pero paano nga ba nya ito nagawa? Excited ka ng malaman ano?

Magtiwala Kay GodAyon kay Cashmere, gaano man kalaki ang problema mo, mas malaki pa rin ang Panginoon dito. At tandaan, hindi ka bibigyan ni Lord ng problem na hindi mo makakayang harapin. Lahat ng pagsubok na ibibigay sa iyo ni Lord ay makatutulong sa pag-unlad ng iyong pagkatao, kaya wag kang matakot sa problema, bagkus, ma-excite ka dahil mag-lelevel-up ka na at iyan ay dahil kay God!

Team WorkNo man is an Island, dapat tandaan mo yan. Naalala mo pa ba ang kantang ito: Walang sino man ang nabubuhay para sa sarili lamang? Dapat tandaan mo lagi ang linyang iyan. Hindi mo kayang hawakan ang sentro mo ng ikaw lang mag-isa. Upang maging maayos ang iyong pagpapatakbo sa sentro dapat lamang na makipagtulungan ka at makipag-coordinate sa iyong center president ng maayos. Kung sakali, at sana ay huwag naman, magkaroon ka ng problema sa iyong sentro, malaki ang maitutulong ng tamang komunikasyon at pakikipagtulungan mo sa center president at sa iba pa ngang naatasang opisyal sa sentro. Gayun din naman sa mga kasama mo sa branch. Maari kang humingi ng tulong sa iyong mga kasamahan o di kaya ikaw mismo magbigay ng tulong. Hindi ba, it¹s better to give than to receive nga?

Sumunod sa Tamang ProsesoMahalaga ang hakbang na ito; dahil dapat maintindihan ng lahat na ang prosesong inilabas ng organisasyon upang mapili ang mga microentrepreneurs na maaaring sumali sa programa ay lubos na makatutulong upang maging 0-par ang bawat branch. Huwag lang basta kumuha ng tao para lang mabuo ang sentro. Importanteng may business ang mga kukuning kliyente upang masiguro na mayroon silang kakayahang magbayad at mapalago ang perang ipinahiram sa kanila.

Simple lang naman hindi ba? Kung kaya ni Cashmere ay siguradong kaya mo rin ito. Maaaring mahirap ang proseso pero pasasaan ba’t ikaw rin ang makikinabang nito.

Goodbye PAR!mula kay Cashmere CayabanTips para maging

Zero PAR

Feature Story



TipsMF Index

Sakay ng bus papasok sa trabaho, ito ay tumigil upang magsakay, pero hindi lang mga pasahero ang sumampa.

Nariyan si manong na tindero ng mani. Tanong nga niya, “hubad o may balat? Maanghang ba? Dagdag ng bawang?” Sa gabi naman sa aking pag-uwi, habang naglalakad ay nadaanan ko si manang na tindera ng balut. “Manang, padagdag ng asin,” sabi ko. Pasalubong ko ito sa nanay ko na mahilig sa balut. Teka, wala pa pala kaming ulam! Nadaanan ko ang stall ng pritong manok sa kanto – wala pa ngang sampung piso may crispy chicken ka na! Only in the Philippines! Likas na maparaan tayong mga Pilipino sa paghahanap ng raket o mapagkakakitaan. At kahit pa sabihin nating mahirap ang buhay, marami namang paraan para makaraos tayo at makapag-uwi ng makakain ng ating pamilya. Saan ka ba makakakita ng fishbol-an sa ibang bansa? O di kaya ang sikat na mga takatak boys? Mayroon ba silang binatog, iskrambol o samalamig? Walang ganyan sa States! Isa nga iyan sa mga dapat nating ipagmalaki bilang Pilipino – ang ating innovativeness. Kahit saang lupalop tayo mapadpad, makakahanap talaga ang mga Pinoy ng

paraan upang kumita ng pera. Oo, mahirap nga ang buhay, ngunit nakaka-survive. Ngunit, sapat na nga bang maka-survive lamang? Mayroon pa ba tayong magagawa upang makatulong at mapaunlad ang buhay ng ating mga kapatid na Pinoy? Ang Microfinance at si Juan Sa tulong ng mga microfinance institution, nabibigyan ng pagkakataon ang mga maliliit na negosyanteng Pilipino upang makapangutang, mapaunlad ang kanilang negosyo at unti-unting umasenso. Ang dami na ngang Microfinance institutions ngayon sa ating bansa ngunit iisa lamang ang ating layunin – labanan ang kahirapan. Parang super hero lang hindi ba?

Ang mga pinansyal at di-pinansyal na serbisyo ng KMBI ay nakatutulong ng lubos sa mga maliliit na negosyante hindi lamang para sa pandagdag puhunan. Mayroon pa ngang microinsurance ang KMBI para sa dagdag seguridad ng mga program members nito, CBU o Capital Build Up na tumutulong upang makapag-ipon ang ating mga negosyante at dumating ang panahon na hindi na nila kailangang mangutang. Pati na nga iba’t-ibang training na makatutulong sa kanila upang madagdagan ang kanilang kaalaman ay ibinibigay rin, bukod pa ang mga transformational activities na

nakapaglalapit sa kanila sa Panginoon, na siya ngang may bigay ng lahat ng yaman dito sa mundo. Bongga, ‘di ba?

Si Ivy Millare, ang proprietor ng Bebs and AJ Hauz of Pies sa Koronadal, ay isa nga sa nagpapatunay na okay talaga ang mag-join sa isang microfinance. Mula nga sa inisyal na puhunan niyang 2,000 at nadagdag pa ang inisyal na ipinahiram ng KMBI na 4,000 din, unti unting napalago ni Ivy ang kanyang negosyo. Sabi nga ni Ivy mas nagustuhan daw niya ang microfinancing kaysa sa pangungutang sa mga indibidwal. “Ang pinakanagustuhan ko sa KMBI ay ang mga iba pa nitong serbisyo tulad ng microinsurance. Pag sa mga indibidwal ka humiram ng pera, walang mga benefits tulad ng insurance,” ani Ivy. Sa ngayon nga, may sarili na ngang Pasalubong Center at Dine-in Area si Ivy sa Koronadal na matagal na nga nilang pangarap na mag-asawa.

Oo, mahirap nga tayong mga Pilipino, ngunit hindi pang-habang buhay ay makukuntento na tayo sa estadong ganito. Kaya naman nandyan ang mga Microfinance institutions upang tulungan ang ating mga kapwa Pilipino na bidang-bida pagdating sa paghahanap ng pagkakakitaan! Ikaw, anong raket mo?

Ang Galing ni Juan!Ni Gellie Abogado

l“God will do exceedingly abundantly above all we ask or think or imagine” (Ephesians 16:20) 17


The difficult part of saying “NO” is that we simply don’t want to hurt someone, isn’t it? Our families,

friends, co-workers and even our neighbours wouldn’t dare to ask from us, if they didn’t need or want it, anyway; and most of us want to be helpful.

Culturally, we’ve been oriented that saying “no” is rude, heartless, unacceptable, indifferent and sometimes provocative. It’s either we hurt our own feelings or those around us. We feel guilty when someone feels rejected and we simply don’t want to see people get disappointed.

For sales people, receiving “no” means a challenge to start another negotiation and just the start of getting “yeses.” For a parent, a “no” is simply translated as discipline in love and action. But for the broken hearted, a “no” is simply a nightmare.

Saying “no” is inevitable. But when we do, we want to do it well. We want to be certain, firm and believable. We want our “no” to be accepted, yet, unchallenged. We simply don’t want our “no’s” to compromise our beliefs, yet preserving the tactfulness of our spirit. More than anything else, we want our “no’s” to leave no broken relationship.Do you have a difficult time saying no? I do. At heart, I am a people-pleaser. There have been times that saying yes at the expense

of what really matters to me, often led to a cluttered life. At times, I have to say “no” to make myself more productive at work, in church and most importantly, for my family. I simply learned to communicate my choice simply and without explanation or with as little explanation as possible.

Let me share with you three insights I have learned in the processes of saying no with thanks, grace and compassion in refusing a request or offer:

Work out what is important to you

Recognize your priorities. Never compromise your time and resources at the expense of what you value most. People come and go, opportunity knocks and leaves...what remains material is the choice we make.

Before you can say no to anything, you need to know what things are important to you. Is it being able to come straight home after work, or be with your friends and play basketball? Is it being able to do the very best job you can for your clients, or doing your task because you are merely paid for? Is it accepting a present in favor of something, or doing the right thing even when no one is looking around?

I had to leave KMBI for a time in favor of more important family considerations,

while having more time finishing my masters degree. I had the opportunity to do full-time consultancy in a family corporation. My engagement was clear – to help set up the HR Department and professionalize the company after almost 10 years of operations. The company has been so generous in my pay and in my entitlements including a brand new car, 2012 Ford Fiesta. However, there have been practices which Management would not want to get rid of, including transactions recorded in double books of accounts and non-payment of dues both to employees and the government. I returned the car in two months time. I was asked what else do I need to stay. I simply remarked – “My God... my integrity... my principles, beyond anything else.”

It’s best to say “no” to be able to work out what really matters to us.

Say “no” when you really mean no.

Delaying an answer only adds an underlying stress to your life. Keeping your response simple rather than a complicated, indirect or verbatim response would sound as if you’re making excuses, anyway. But when you say “no,” remember to make your response truthful. There’s always a way to speak the truth in love.

There would be times when my “barkadas” would jump around and invite me for a

by Edwin Aruelo

Say “NO” with thanks, grace and compassion

Tips


ride in the course of personal activities which I planned earlier. I simply beg off and give a simple response that I am trying to focus on existing priorities. It doesn’t mean that I value less our friendships, but my circumstance at the moment dictate my focus. As a husband, my time for Des (my wife) is of the essence.

Indeed, one important insight I learned in saying no is that before I do say yes to others, I make it sure that I am not saying no to myself. How do I do that? Offer alternatives. Let me suggest you some ways to phrase refusals:

• “No. But thanks.”• “Thank you for thinking of me, but no, I just

can’t. Let me suggest someone else who might.”

• “I’d like to help, but I’m not able to now. Is there any time that I could work with you on that?”

• “I’m sorry. Feel free to ask me again in the future. It might be a better time then.”

• “Thanks, but the truth is I really hate movies. Let’s plan to do something we both like, some other time.”

• “That’s not something I’m comfortable with.”

• "I can, but my schedule is booked now. How about some other time?"

• “That doesn’t work for me now. I’ll let you know if that changes.”

Just remember to deliver these words calmly and kindly in the real situation. Be always prepared to say no effectively.

Save the friendship

Saying no isn’t about being cold to another. It’s about staying in connection and deepening it. Even if you say “no,” do not burn bridges. Here’s a warning: no matter how compassionate and caring you are, some people won't take no for an answer and you'll still end up with a power struggle. Some people will be hurt, some people will be resentful, and sometimes relationships will end when you don't give the other person what they want. You can only do your best.

But think of these realities:

• When you say yes to a job you don’t love, you say no to your dreams

• When you say yes to working overtime, you say no to your social life

• When you say yes to someone you don’t love, you say no to a fulfilling relationship

Over-commitment is a rampant problem among us today. Learning to say “no” may mean being more productive later.

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


Tips

Ni Hernan AspirasMABUTING KAIBIGAN, MASAMANG KAAWAY!


Ang pagkatuklas ng kuryente ang isa sa mga bagay na nagpabago sa paraan ng pamumuhay ng tao. Sa

paglipas ng panahon ay nahasa ito upang mapagaan ang pang-araw araw na gawain. Madaming pamilya ang nakadepende dito para magkaron ng liwanag sa mga tahanan, makapanood ng tv, makapakinig ng radio,makapag-init ng pagkain, makapag-charge ng cellphone, at marami pang bagay. Subalit tulad din ng ibang mga bagay na ginagamit natin sa araw-araw, madalas na naisasantabi ang maayos at ligtas na paggamit dito na siya namang pinagmumulan ng maraming sakuna; una na dito ang sunog o pagkakuryente na nagiging sanhi ng pagkawala ng buhay at mga ari-arian. At upang maiwasang mangyari ang mga ganitong sakuna, narito ang ilang mga pag-iingat na maaaring gawin: 1. Iwasang magsaksak ng maraming gamit

sa iisang electric outlet upang hindi ito mag-overload.

2. Panatilihing nasa magandang kondisyon ang mga kawad ng kuryente. Palitan o

ayusin ang mga sunog o lumang kawad at siguraduhin na ang electrician na mag-aayos nito ay lisensiyado o may sapat na kaalaman. Kung mag-aayos ng kawad o outlet ng kuryente sa loob ng bahay, siguraduhin na naka-switch off ang breaker upang maiwasan ang pagkakakuryente ng magkukumpuni nito.

3. Huwag magsaksak ng de-kuryenteng kasangkapan ng walang sapin sa paa o basa ang tinutungtungan. Huwag humawak sa nakasaksak na kurdon kung basa ang kamay o paa.

4. Kung sakaling pasukin ng tubig ang inyong bahay, lagyan ng takip ang mga electric outlet na nasa mababang lugar upang di matalsikan ng tubig. Kung sakaling aabutin ng tubig ang mga

outlet na ito, makabubuting i-switch off ang breaker upang maiwasang may makuryente.

5. Kung may maliliit na bata sa bahay, huwag hayaang maglaro ang mga ito ng malapit sa mga outlet ng kuryente o anumang kawad. Huwag din silang hayaang paglaruan ang mga gamit na

de kuryente dahil kahit di ito nakasaksak ay maari pa rin itong makapagdulot ng aksidente.

6. Ugaliing tanggalin sa saksakan ang mga kasangkapan matapos gamitin at lalo na kung kayo ay aalis ng bahay.

7. Kung may telepono, maglagay ng numero ng pinakamalapit na Fire Department malapit dito.

Safety First! ito ang dapat nating ugaliin, lalo na pagdating sa paggamit ng kuryente. Mabuti itong kaibigan na magbibigay sa atin ng benepisyo at ginhawa sa buhay kung ito ay gagamitin ng tama. Subalit maaari rin itong maging masamang kaaway na sisira sa lahat ng ating pinaghirapan at maaaring kumitil ng buhay kung hindi tayo magiging maingat sa paggamit nito.

Hernan is the big guy with a big heart in the Admin Department. Co-workers will tell you that he is a fun-to-be-with person and you’ll surely never have a dull moment when you’re with this guy. Work-wise, he is known to be responsible, committed and a good leader.


TipsTips

Lumo-LOBO ka na ba?Tips upang hindi lumaki ng husto sa trabaho

“Uy, mukhang bumibilog ka yata ah...” pamilyar ba sayo ang linyang ito? Kung napansin mo na bumigat ka na mula nang pumasok ka sa kumpanyang pinagtatrabahuhan, malamang na bukod sa iyong appetite sa pagkain, kultura na ring maituturing sa iyong opisina ang walang habas na pagkain.

Sabi nga sa ilang pag-aaral, ang opisina ay “breeding ground” ng stress at poor nutrition. Ito ay dahilan sa sedentary routine na kung saan nakaupo ka lang maghapon at napakaraming temptasyon na kumain. Maaaring merong may birthday, o may malapit na bilihan ng merienda o pwede rin na may isang “living feeder” na talagang hilig lang kumain at i-share ang kung anuman ang mayroon siya.

Pansinin na kapag tumataba ang tao, bumabagal ito kumilos, madaling mapagod at mas nagiging sakitin. Oo, masarap kumain subalit kung present na ang lahat ng indicators kaya ka tumataba, ibang usapan na ito. Malaki ang nagiging epekto nito sa performance at mental ability ng tao lalo na sa trabaho.

Narito ang ilang tips para sa matigil na ang iyong patuloy na paglobo:

DISIPLINA SA PAGKAINHindi porke available ang pagkain sa inyong opisina ay kailangan mo ring makisalo parati sa pagkain. Hindi bawal tumikim. Ang bawal ay iyong sobrang pagkain. Isipin mo na lang kung araw-araw may pakain sa opisina, paano ka na?

PLANUHIN ANG KAKAININKaraniwan may mga malapit na kainan sa mga opisina. Nandyan ang fastfood chains, karinderya, o kaya naman ay canteen. Piliin lamang ang kakainin kung maisipan kumain sa alinman sa tatlo. Basta tandaan na pinakamabilis magpataba ang mga pagkain sa fast food chains dahil ito ay high in salt at saturated fats. Mas makabubuti kung magbaon na lamang ng pagkain para sa iyong tanghalian o almusal. Ugaliin din na magbaon ng prutas o di kaya naman dried fruits, nuts o crackers.

GUMALAW-GALAWHuwag tamarin maglakad o gumalaw-galaw. Magstretch or di kaya ay maglakad-lakad sa opisina tuwing break. Di man ito makabawas ng calories, makakatulong naman ito upang maiwasan ang “mindless eating” na siyang parating nangyayari kung maghapon lang nakaupo.

UMINOM NG TUBIGNakakatulong ang tubig upang hindi madehydrate at magutom. Tumutulong din ito upang mabawasan ang pagod o fatigue na nararamdaman sa maghapong pagtatrabaho. Excuse na din ang pagkuha ng tubig sa pantry upang magkaroon ng break ang maghapong pag-upo.

Tandaan, ang iyong paglobo ay hindi kasalanan ng pagkain na available sa paligid mo kundi sarili mo mismo. Masarap kumain subalit sa iyong pagkain kailangan ikaw ang may kontrol. Happy responsible eating!

Ni Marissa Dela Rosa


DIRECTIONS:Who says makeup is only for special occasions? Well, it has been a common misconception that you

only apply makeup when you’re going to a special occasion or to an event; well let’s beat the misconception because you can use makeup even at work or when you’re just going out to meet-up with your friends. The trick here is there is always a different makeup look depending on where you’d be going.

Imagine wearing a blue eye shadow with red lips on at work; don’t you think it’s too awkward and, yes, too much? Applying makeup may be a bit tough for some people, but we can always try to learn, eh? So, allow me to teach you how we can create a simple everyday makeup look perfect for work or just about anytime of the day.

What you will need:

Moisturizer

Eye brow Pencil

Eye Shadow palette consisting of nude shades

(these colors usually come in shades of brown)

Mascara

The perfect blush for your skin tone

A lip balm

The perfect pink or nude lipstick for your skin

tone

A finishing loose powder

Don’t worry, girls, you don’t need to buy expensive makeup products. You can purchase locally-made products found in your nearest drug store. The makeup look we would be creating will only take about 15 minutes of your time, so no worries!

Again, creating this makeup look will only take about 15 minutes of your time and it will make you look fresh and not overly made up.

15-minuteQuick Makeup Look

Tips

1. Apply your favorite moisturizer all over your face. This actually isn’t just supposed to be part of your makeup process; this should be part of your daily routine. You need to moisturize your skin always and preferably, use one, which has SPF to protect your face from the harmful rays of the sun. If you want to use a foundation, you can do so, but it’s not really a necessity; actually, the lighter, the better. If you can find a tinted moisturizer, it’s better, because it already has a light coverage and a moisturizing effect in one.

2. A pair of good and neat brows will make your day. So make sure your brows are tamed and always neatly maintained in its proper shape. You may opt to use an eyebrow pencil just to fill in your brows. Don’t let your brows become too thin. Thin brows will make you look older.

3. Now grab onto your eye shadow palette: First, apply a lighter shade of brown all over your eyelids, and blend it well. You may use an eye shadow brush or your fingers. Make sure there are no sharp edges of some sort. Next, apply the darkest shade of brown on your crease. Start from your outer V and then going in. You may use a blending brush for this job (the brush, which has a pointed end) or your sponge tip applicator. Just make sure you’d be able to blend it well. And, last, use a white or the lightest matte pink pastel shade you have and apply a decent amount on your brow bone for highlighting purposes. It will help your beautiful brows stand out.

4. I’ve read somewhere that mascara is one of the most important parts of your eye makeup. It will make you glow even without an eye shadow on. So make sure that you use the perfect mascara for

your lashes. If you’ve got thin lashes, use a volumizing mascara; but if you’ve got short lashes, you may opt to use a lengthening mascara. Now, curl your lashes first and then apply 2-3 coats of your

chosen mascara.

5. Now, onto your blush. There are actually different ways on how you can apply your blush based on the shape of your face; so make sure that you’d be able to identify the shape of your face and correspond it with the proper blush application. Blush shades also depend upon your skin tone. If you have a fair skin, the lighter shade, the better. Go for pastel shades. If you’ve got medium skin go for rosey pink and deep peaches shade of blushes; and if you’ve got dark skin, you may opt to use a deep orange shade of blush to compliment your complexion. And remember, don’t apply too much blush. Just apply enough to make it look like you’ve got naturally blushing cheeks and not to make you look like a clown.

6. On your lips, use a lip balm first (preferably with SPF content) and afterwards, you may apply your lipstick. For an everyday makeup look, use a pink or nude shade of lipstick; but again, there are still different shades of pink and nude lipstick. You may ask the sales lady where you’d be buying your lipstick regarding the perfect pink or nude shade for you.

7. Last, but not the least, use a finishing loose powder for that matte and fresh effect on your skin. No, you cannot use that loose talc powder for setting your makeup. You can actually buy a cheap loose powder in your nearest drug store only P150. It will keep your face shine-free, matte and fresh looking. Unlike if you’re using talc, the white particles will get stuck somewhere in your face and you’d have a whiter complexion than your normal skin tone. Keep in mind that having a whiter face isn’t equated to looking good. Your makeup should only enhance your skin tone and not change it.

DIRECTIONS:


CCDE distributes 1st harvest to beneficiaries

The CCDE (Carolina Community Development Enterprise) in Baranggay Carolina, Naga City made their first harvest in May, which amounted to around Php40,000 and this was distributed among 19 beneficiaries of the hogs; while the goats are expected to be sold by July.

The first half of 2012 was focused on the disbursement of funds amounting to Php564,690 to purchase piglets, goats, and feeds. The livestock was distributed to the selected 23 beneficiaries. As of the moment, there is no intention of adding another enterprise since, according to Belen Sison, acting entrepreneurship development services director, “Enterprises have to strengthen its governance first and community members have to commit their time and resources in ensuring the success of the enterprise.”

The EDS Department is slowly implementing guidelines until they have decided to exit the area, which is dependent on CCDE’s established governance to manage the enterprise and sustain its operations. The CCDE is not yet registered as a People’s Organization. They are still finalizing their by-laws as well as the membership composition. “We hope to register the enterprise by 1st quarter of 2013,” added Sison.

CCDE beneficiary, Elena Agpay, in her hog raising business.

Project Update

“God will do exceedingly abundantly above all we a


Efficiency

Cost per Unit Lent* Php 0.19

Cost per Loan Made* Php 1,195.73

Financial Self-Sufficiency 97.42%

Operational Self-Sufficiency 106.95%

Number of Staff

MF Operations 1214

Support Group 98

Organizational Performance2nd Quarter 2012

*Group Loan Program**Peso-dollar conversion as of June 30, 2012 – Php 41.85

Indicators* Efficiency*

Loan Activity

Client Outreach

Cost per Unit Lent**

Cost per Loan Made**

Financial Self-Sufficiency

Operational Self-Sufficiency

Number of Staff

Php0.19

Php1,213.98

99.45%

104.83%

1,179

107

MF Operations

Support Group

266,610

Php633.57M

Php1.048B

279

167,488

Loan Portfolio

Value of Loans Made

Ave. No. o f Client per PA

No. of Loans Made

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

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

Ikwento ang saya sa kanta! Sali na at manalo ng 5,000 pesos!Bukas ang contest sa lahat ng KMBI staff. Magdownload lang ng registration form sahttp://www.facebook.com/awitingkmbi at ipadala ang lyrics at form [email protected]. I-upload sa Youtube ang kanta.Isang entry ang pwede isali kada grupo o indibidwal.

Bigayan ng entries ay July 30 - August 24, 2012.Final Judging ay sa August 31, 2012.

Para sa karagdagang impormasyondumalaw lang sa http://www.facebook/awitingkmbi

KMBI Communi-K, Power up the Big C

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Transcript of KMBI Communi-K, Power up the Big C