Asian Solidarity called for SACCOS Rebuilding in Nepal

ACCUnewsVol: 44

Issue No.: 2April to June 2015

Quarterly Publication of the Association of Asian Confederation of Credit Unions

www.aaccu.coop

New FinLit Trainers Vow to Practice what they preach

NACUFOK Exposure Intensifies Need for an Integrated CU Network

The Association of Asian Confederation of Credit Unions operates as a regional representative

organization of credit unions and similar cooperative financial institutions in the region of Asia. ACCU

is representing 45 million individual members from more than 32,635 credit unions in 22 countries in

Asia. ACCU works in partnership with its member organizations to promote and strengthen credit unions as

vehicles of communit development and socioeconomic development of people.

3 NACUFOK Hosts ACCU Meetings of Board & Audit Supervisory; Asian Solidarity called for SACCOS Rebuilding in Nepal 4 NACUFOK Exposure Intensifies Need for an Integrated CU Network

5 New FinLit Trainers Vow to Practice what they preach 6 CSRR, a Business Solution in Anticipation; Bhutan: Five Credit Cooperatives Seen Registered by 2015

7 GWLN Volunteers Join the Mission in Paglaum MPC; Sister Societies Making its way in Asia 8 NEFSCUN Gets Mandate from SACCOS at the Summit; Human Capital Development a Top Priority for NEFSCUN & NCBL 9 ACCU welcomes Credit Union Leaders

10 SACUDIL Project Review; SACUDIL Promotes Role of SCU Association

11 Myanmar Highlights

12 Microlead Reaching Rural Area with Mobile Money;

CONTENTS

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NACUFOK Hosts ACCU Meetings of Board & Audit Supervisory

The National Credit Union Federation of Korea hosted the 82nd

meeting of the Board of Directors and the Audit Supervisory

Committee meetings on March 11, in conjunction with 28th

NACUFOK Exposure Program in Jeju Island, South Korea.

The Audit Supervisory Committee consists of the President and

Treasurer met prior to the Board meeting. The committee is

responsible for overseeing the financial operations of ACCU.

From Left: Mr. Hung Chi Wen -Treasurer; Dr. Moon Chul -Sung - 1st Vice President; Dr. Chalermpol Dulsamphant - President; Mr. Romanus Woga - 2nd Vice President and Ms. Elenita V. San Roque - Chief Executive Officer after their meetings in Korea.

Asian Solidarity called for SACCOS Rebuilding in Nepal

The 7.8-magnitude quake that hit Nepal on Saturday destroys

buildings in Kathmandu and severely affecting rural areas across the

region. As of April 28, the death toll has risen to 4,310, with almost

8,000 injured, officials say.

ACCU is in contact with its two members – the National Federation

of Savings and Credit Cooperatives (NEFSCUN) and the Nepal

Cooperative Bank (NCBL) to support them on their efforts to rebuild

SACCOS affected by the quake. “Our priority after the earthquake

was the safety of our families. We are starting to collect information

about the impact to the SACCOS and its members,” said NEFSCUN’s

Chair Rishi Raj Ghimire.

“Most of the families in Nepal are living outside home, sky being

the roof. We have calculated that there is heavy damage of life and

physical infrastructure, death toll over 5,000 and injured over 10,000.

Huge number of houses have been damaged due to earthquake,”

shared NEFSCUN’s CEO Bishun Pathak.

A fund raising campaign was circulated to ACCU network to help

NEFSCUN and NCBL in their rebuilding efforts. The funding will be

used to construct credit union offices plus purchase of required

equipment enabling them resume operation soon after clearing

job is completed. If sufficient fund is raised, the support can also be

extended in the building of members houses flattened by the quake.

Photo Credit: Google

Rish Raj Ghimire, the Chairman of the Nepal Federation of Savings

and Credit Cooperative Unions (NEFSCUN) joins the ACCU Board

following the vacancy in April. Mr. Hung, Chi-wen the Treasurer of

ACCU from the Credit Union League of the Republic of China – Taiwan

(CULROC) is no longer a delegate of CULROC to ACCU. Ghimire has

been involved in the Nepal SACCOS movement for more than 25

years. Through his leadership, the integration of SACCOS is taking into

shape. He is a number one supporter of ACCU programs in Nepal and

making sure it is being institutionalized at the federation. He has vast

experience on credit unions locally and internationally. Ghimire was

elected as Alternate Board in the September 2014 General Meeting.

NEFSCUN’s Chair Fills Board Vacancy

Rishi Raj Ghimire

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NACUFOK Exposure Intensifies Need for an Integrated CU Network

What CEOs Say?

“I really loved the exposure because

it touched on all the major moves of

NATCCO. My mind is now racing: how to

regionalize my staffing; how to finance

regional operations” Sylvia Paraguya,

Philippines.

“Thank you for organizing the study visit

in NACUFOK. It provided us excellent

opportunity to expose into developed

CU network in Asia. I myself found this

very encouraging & inspiring. In fact,

with considering the local context and

more towards for integrated network,

I set goals to be achieved base on the

leanings of the workshop”

Navindra Liyanaarachchi, Sri Lanka.”

“NACUFOK is a model in Asia. The CEOs are

inspired and believe that they can influence

change in their network,” added San Roque.

She indicated that ACCU will work together

with members to build tools, skills and

infrastructure for an integrated credit union

network.

ACCU and NACUFOK provided opportunity

for select CEOs of member organizations

to see for themselves and learn the Korean

credit union movement in the study visit

on March 9-13. The visit was in line with

the development theme - Sustainable and

Integrated Credit Union Networks in Asia.

The study was participated by 18 CEOs,

a regulator from Bangladesh and a

representative from DID. The attendees

were very much inspired and impressed

of the achievements of the Korean CU

network. NACUFOK have reached 5.8 million

members and movement assets of USD 60

billion.

Among member organizations, NACUFOK

is the only integrated network in Asia. The

federation has among others a shared

technology platform, supervision, mutual

aid, standardize operation, fit and proper

certification for positions of trust, corporate

marketing, and liquidity pooling.

“Despite sophistication in operations and

financial product delivery, the Korea Credit

Unions are still deeply rooted in their

communities.

It endeavors to preserve its values and

practices of self-help, self-reliance and

cooperation among cooperatives,” said

NACUFOK Chairman and President Dr.

Moon, Chul Sang. We have faced many

challenges in the past, but we have

surpassed them because of our commitment

to work together for the good of all, added

Dr. Moon.

On behalf of the Asian credit union

movement, ACCU President Dr. Chalermpol

Dulsamphant conveyed appreciation

to NACUFOK for sharing with its Asian

counterparts the best practices of the

Korean credit unions. NACUFOK has

organized 28 study visits attended by at

least 300 credit union leaders, professionals

and regulators. NACUFOK covers the inland

costs of the participants. “It is a small way

of demonstrateing of commitment to the

development of our counterparts in Asia,”

said NACUFOK Chair & CEO Dr. Moon.

“In the last two years, ACCU members

have recognized the need for higher level

integration of the credit union network that

will allow competitive financial services

offerings that improve lives of people,”

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New FinLit Trainers Vow to Practice what they preach

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ACCU was pleased to welcome the 22

participants from 6 countries namely

Bhutan, Lao PDR, Malaysia, Nepal,

Philippines, Sri Lanka and Thailand to the

Trainers Training on 360 Degrees Financial

Literacy for Credit Union Members workshop

on March 1 to 6, 2015 held at ACCU training

hall in Bangkok, Thailand.

To be effective trainer, the participants

agreed that they need first to be

financially literate – walk the talk.

“Financial Literacy is about an

individual’s ability to make informed

judgments and effective decisions

about the use and management of

their money to give them

better outcomes in life,”

explained ACCU CEO

Elenita San Roque at the

opening program. She said

that credit unions have the

responsibility to help

members become financially literate.

Financial literacy is not a subject taught

in schools and many members are facing

unsurmountable financial troubles due

to their inability to make sound personal

financial decisions. Participants realized the

need to realign the education program of

credit unions to inculcate personal financial

education.

It is necessary to instill the values of thrift

and prudence that will sustain members in

the long-term. The credit union role is to

help members build on the skills on finance

and teach them new ways of coping with

life’s ups and downs so that they can be

ready for whatever life throws their way.

In the absence of financial education,

members are not able to discern the

right financial choices (needs vs wants),

discuss money and financial issues without

discomfort, plan for the future, and respond

competently to life events that affect every

day financial decisions.

The training recognized that credit unions

offer loans to members for emergencies

instead of advising them prepare for

emergencies ahead of time.

In as much as financial literacy is essential,

credit unions at the same time must practice

responsible lending according to ACCU

Chief Technical Officer Ranjith Hettiarachchi.

The loans receive by members should build

wealth rather than creating financial burden

for members.

The training emphasized that credit unions

need to play role on financial advising, now

tied into life planning.

Credit unions must provide guidance to

members to build wealth – it is a peace of

mind experienced by a member when all

aspects of lives are aligned with their values

and inner core.

“Thanks a lot for the learnings, the

experience and the inspiration! This training

refueled me as I go back to the tons of

work I left at NATCCO. I will share this with

the MICOOP team and to all the coops that

we assist. May ACCU continue to conduct

trainings like this,” Veon Sierra of NATCCO.

The Trainers Manual on 360 Degrees

Financial Literacy for Credit Union Members,

designated as Credit Union Business

Solution No. 16 recognizes that a financially

literate membership of credit union is vital

to its success and fulfillment of its original

mission – helping people help themselves.

“Don’t save what is left after spending;

Spend what is left after saving.”

- Warren Buffett

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Bhutan: Five Credit Cooperatives Seen Registered by 2015

The trainers training on Credit Union Organization and Management held February 24 to 27 in Thimpu concluded with an action plan to organize

five credit cooperatives in Thimphu, Punakha, Samtse, Zhemgang and Trashigang. The training was organized by the Department of Agricultural

Marketing and Cooperatives (DAMC) with technical support of ACCU. There were 29 participants including 10 extension/dzongkhag (district)

officials from Thimphu, Punakha, Zhemgang, Trashigang, and Samtse and one official from the Rural Development Training Centre, Zhemgang.

Rural finance services play an important role in uplifting the socioeconomic condition of the rural poor community by helping in income

generating activities. Farmers groups are operating in the villages for joint purchases and marketing. Some of them also mobilize savings and

shares. In order to address the above rural credit issue, the Department of Agricultural Marketing and Cooperatives (DAMC) is promoting credit

cooperatives in Bhutan with the support ACCU. The ten supporters of ACCU from Australia pooled funds to support a two year project for Bhutan.

Bhutan registered its first credit cooperative in 2013 with the help of ACCU but owing to limited knowledge on the subject and the development

steps and procedure, the registered credit cooperative could not be mobilized till now.

CSRR, a Business Solution in Anticipation “Social Performance Management is a tool to measure the cooperative’s

Social responsibility in relation to the compliance with cooperative

principles and values,” said Lise Veilleux. CSRR helps an organisation set

and achieve its social goals by tracking social performance and using

this information for decision-making that puts learning into practice,

added Veilleux.

Veilleux designed a template for CSRR and tested with St. Peter Credit

Union, a member of the Credit Union League of Thailand. ACCU

is anticipating that the CSRR template, including questionnaire,

methodology and user instructions is the next business solution that

will be unveiled in 2015. The attendees of the Pre-Forum Workshop on

Human Resource Development will be the first to comment on the tool

this September 7-9, 2015 in Bangkok, Thailand.

Développement international Desjardins’ (DID) Management

and Governance Senior Advisor Lise Veilleux was in mission with

ACCU on February 9 to 20 to test and adapt the questionnaire for

Cooperative Social Responsibility Reporting (CSRR) of an Asian

community based Credit Union.

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GWLN Volunteers Join the Mission in Paglaum MPC

With the GWLN (Global Women Leadership Network) Empowerment

Grant winner 2014, ACCU CEO Elenita San Roque, two volunteers

from GWLN joined the mission in Paglaum MPC (PMPC), Philippines

on March 23 to 31. Shana Richardson, CEO of Ser Tech-USA and

Brianne Hurford, Communications and Development Manager of the

World Council supported the PMPC team in organizing Sister Society

and provided advice on loan underwriting.

ACCU works with PMPC to establish a business development center

that will help advance women members’ entrepreneurial and

leadership skills, as well as access to markets and information for

micro and small enterprise developments. The project is an action

research to be shared by ACCU with other credit union networks.

The CEO, E. San Roque won a grant funding for the project she

presented to the Global Women Leadership Network in its meeting in

July 2014 at Gold Coast, Australia. The funding is supported by GWLN

membership dues and the generous support of CUNA Mutual Group,

The Members Group and the Susan Adams Scholarship Fund, which

was established by Arizona State Credit Union and PSCU in honor

of former Entrust Financial Credit Union CEO Susan Adams. WOCCU

serves as the hub of GWLN.

Sister Societies Making its way in Asia

Three sister societies (SS) organized two months in a row in Asia

– Philippines, Nepal and Thailand. The first SS in Asia was organized

in the Philippines on March 29 at Paglaum MPC with 42 women,

supported by 10 brothers. ACCU CEO Elenita San Roque and Chief

Technical Officer Ranjith Hettiarachchi assisted at the first meeting

of SS at Mahila Abhiyan SACCOS in Nepal on April 19 with 30 women

members.

“Its great opportunity to be a part of Global Women Leadership

Network for our cooperative and feeling proud for being member of

First sister society in Nepal and second in Asia. Hopefully waiting to

do lots of work to empower, motivate,inspire women,” said Srijana

Sharma Tiwari, Chairperson of Mahila Abhiyan SACCOS.

Sarita Bhattarai serves as the Leader of the Nepal Sister Society, while

Maria Theresa Salabas and Juliet Rawlinson are the team leaders in

the Philippines. On April 23, ACCU CEO assisted SS Leader Kruewan

Chonlanai of the Credit Union League of Thailand in organizing the SS

composed of 50 women from credit unions accross Thailand.

Notably, all the leaders of the Sister Societies are Asian Development

Educators. Sister Societies aim to further the vision of World Council

of Credit Unions’ Global Women’s Leadership Network (GWLN), which

is to advance credit union women in leadership and support outreach

to women in World Council’s development programs worldwide.

Sister Societies are local chapters of the GWLN that are established

around the world to further the Network’s global mission by making a

local impact. The purpose is to convene credit union women, discuss

credit union issues, exchange ideas, network with neighboring credit

union leaders, and share lessons learned with Network members

worldwide. The three main areas of focus: personal development,

professional development, and credit union development.

Mark Your Calendar! Registration to the

2015 Asian Credit Union Forum Now Opens! Early Bird Deadline is on May 31, 2015

Pre - Forum Workshop: September 7 - 9, 2015

Asian Credit Union Open Forum: September 10 - 12, 2015

Annual General Meeting: September 13, 2015

For more inquiry, please email: accumail@aaccu.coop

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Human Capital Development a Top Priorityfor NEFSCUN & NCBL

The 11 point SACCOS Summit Declaration 2015 included mandates for NEFSCUN to prescribe

the standardization of SACCOS’ operation, Stabilization Fund, Supervision and quality assurance

through ACCESS branding.

Attended by more than 500 SACCOS leaders and professionals, the summit on February 6 to

7 was organized by NEFSCUN to bring critical issues and new development strategies for the

sustainability and soundness of the credit union movement. ACCU CEO Elenita San Roque made

two presentations on the topics: Standardization and Integration of the SACCOS network. The

summit is organized every two years.

NEFSCUN Gets Mandate from SACCOS at the Summit

A total of 52 (22 from NEFSCUN and 32

from NCBL) credit union leaders and

professionals were trained by ACCU in

separate training sessions. The Nepal

Federation of Savings and Credit Unions

(NEFSCUN) organized a Mini Master Program

on SACCOS Management on April 11 to 14

while the National Cooperative Bank of Nepal

organized the Credit Union Competency

Course on April 15 to 18.

“It is crucial for leaders and professionals

to undergo competency training for the

effective management of SACCOS,” said

NEFSCUN Chairman Rishi Raj Ghimire. At

the closing program of NCBL, the Chair

Ramesh Pd. Pokharel said he believes that

participants’ attitude, knowledge and skills

have changed through the training. He

encouraged them to apply the learning to

change their cooperatives for the better.

“Other cooperatives will notice the changes

and consequently inspire them to do the

same,” he added.

NEFSCUN has 2,300 SACCOS members while

NCBL has 8,000 cooperative members, of

which majority are SACCOS.

There is a great demand in training the

Board of Directors to enable them set the

direction of their SACCOS,” said Ghimire. It

is evident that the Board of Directors who

know their role in direction setting and

policy development are able to demonstrate

the impact in the growth and sustainability

of their SACCOS according to Ghimire. We

admit that there are small SACCOS that have

been in operation for years, but remain small

and unsustainable.

“NEFSCUN is working on the amalgamation

of SACCOS as we fully implement the

unification of SACCOS,” added Ghimire.

Both attendees from NEFSCUN and NCBL

will have to submit post – course work to

receive their certification from ACCU.

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ACCU welcomes Credit Union Leaders

Australian Development Partners

On February 9, 2015, ACCU welcomed the Select Credit Union Chief

Executive Mark Worthington and Encompass Credit Union Chief

Executive Officer Brian Bennett.

Both credit unions are part of the 10 Australian Credit Union

Supporter members that formed an alliance to support the work

of ACCU in promoting and strengthening credit unions in Lao PDR

and organizing the first credit unions in Bhutan.

Worthington and Bennett continued their travel to Laos on

February 10-13 where they saw and experience the development

work being carried out by the SACUDIL (Savings and Credit Union

Development in Laos) project.

“Mark and I are back from our travels, we very much enjoyed Laos

and were impressed with the work ACCU is doing over there. You

and your team are to be congratulated,” according to Bennett.

Prior to the visit, Worthington and Bennett were in Nepal as

resource persons to the SACCOS Summit organized by the Nepal

Federation of Savings and Credit Unions.

ACCU President, Dr. Chalermpol Dulsamphant together with Chief Executive Officer, Elenita V. San Roque and Chief Technical Officer, Ranjith

Hettiarachchi welcomed the President and Chief Executive Officer of the World Council of Credit Unions Brian Branch on February 16 to 20 in

Bangkok. The visit allowed Branch to learn more about ACCU operations, the challenges of the Asian credit unions and the priorities of ACCU in

strengthening federations to achieve higher level of integration and self-regulation. Brian also paid a visit to the Credit Union League of Thailand,

Soon Klang Thewa Credit Union and the Federation of Savings and Credit Cooperatives of Thailand. WOCCU is the global trade association and

development agency of credit unions with 208,000,000 Members from 57,000 Credit Unions in 103 Countries.

We take this opportunity to acknowledge and appreciate the following contributing Australian supporters.

World Council of Credit Unions

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SACUDIL Project Review

The retired Rabobank Alkmaars’ Executive Director Kees Jasperse

together with Rabobank Foundations’ Credit Risk Management

Officer Jona v.d. Ven led by SACUDIL Project Manager Choua Va

Xiong visited three (3) SCUs in Oudomxay and one (1) SCU in

Namthoumthai province in Laos PDR on February 23 to March 4,

2015.

The mission identified key issues SACUDIL Project is currently

experiencing. The two major obstacles are high delinquency

and insufficient net institutional capital. SACUDIL staff must pay

attention in resolving the problems before it leads to financial loss

to its members and affect member’s confidence. The review equally

recognized that competent and motivated staff is important for the

success of the project. The Project Manager Choua Vaxiong planned

to develop a tailor made curriculum to to train community leaders

and staff on accounting, financial statement analysis, and loan

management.

Kees Jasperse mobilized Euro € 7.647 that he donated to SACUDIL

Project. The fund will be used as initial capital for the Inter-lending

Service of SACUDIL.

The fund will help the SCUs to leverage their lending service as well

as generate some revenues for SACUDIL. As exit strategy, SACUDIL is

envisioned to be transformed as the secondary service organization

for SCUs.

SACUDIL Promotes Role of SCU AssociationProject Manager Choua Va Xiong presented the objectives of

ACCU – SACUDIL (Savings and Credit Union Development in

Laos) project along with the values it could add to the Credit

Union movement once the savings and credit unions register its

Federation/ Association in Laos.

With the request of ACCU, the Federation of Savings and

Credit Cooperatives of Thailand’s General Manager Anan

Chatrupracheewin made a presentation to raise awareness and

clarify the importance of establishing the Federation of Savings

and Credit Unions in Laos. Chatrupracheewin cited the need for

SCUs to have a center for education, pooling of resources, sharing

of management technologies, and shared services.

The attendees had an opportunity to clarify their doubts on

capacity building, funding, structure, location, manpower and

compensation structure of a federation.

Twenty – Three (23) registered SCUs in Laos actively participated

in the Microfinance Stakeholder Forum held at Lao Women

Training Center in Vientiane last February 17, 2015. The forum

was hosted by the Bank of Laos PDR and facilitated by Director

of Microfinance Institution Supervision Department Dr. Akhom

Paserth.

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Myanmar Microlead’s Project FIRSTS

Myanmar Project Achieves 5,000 Members in 2014

The first savings-led SCCs in Myanmar, organized under ACCU-CCS UNCDF MicroLead Project,

as of December 2014 has total membership of 5,160 generating total shares and savings in the

amount of USD 90,136 – 70% of which is granted to members as loans.

Myanmar SCCs Employ Computerized MIS

Five SCCs in Myanmar become the first SCCs to use computerized MIS in the cooperative

history of the country. The Managers of these five SCCs successfully completed their user

training held in Pathein Office last January 24 to 30 2015 conducted by Rajeeda Holdings (Pvt.)

Ltd.

11 More SCCs Introduce Financial Literacy to Communities

A total of 11 new SCCs organized in second round of community organizing will herald the

benefits of financial literacy for the first time in their respective villages. 70 community leaders

and Thana Staff attended the training on Cooperative Organization and Management last

February 3 and 4 and 18 and 19, 2015. This brings to 26 the total SCCs promoting financial

inclusion in Myanmar.Ltd.

First Round SCCs Review Performance and Gears up for 2015

The first bi-monthly Review Meeting for the year 2015 was held last March 19 and 26, 2015

in Bago and Ayeyarwaddy, respectively, to strategize for better membership recruitment,

governance and business viability. The Chairpersons and Managers resolve to, among others:

1) choose leaders in the next General Meeting those who are committed volunteers;

2) adopt on the agreed Key Performance Indicators for the Manager;

3) transfer office to more strategic location, and;

4) access fund with cost up to 50% of Shares and Savings.

Monetary Union Does Interlending With Myanmar SCCs

The Union of Monetary Cooperative Limited (UMCL), the national federation of cooperatives

engaged in savings and credit in Myanmar, released Two Million Kyats each to Ngwe Toe San

SCC and Thayaykittayar SCC both in Pyay Township, Bago Region last 31 March 2015. This is

the first batch of SCCs under ACCU-CCS Project to avail of interlending services offered by the

Monetary Union.

The Savings and Credit Cooperative Promotion and Microfinance Innovation Project under the MicroLead Expansion program of the

United Nations Capital Development Fund (UNCDF) is being implemented by ACCU and the Central Co-operative Society (CCS) since

2014. The project facilitates the establishment of at least 20 sustainable credit unions in Myanmar whose 50,000 members are from the low income

sector, are in the majority women and rural , and which will meet their members’ needs for diverse financial services. Below are some of the ‘firsts’

achievements of the project.

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Microlead Reaching Rural Area with Mobile Money

Myanmar MicroLead Project CTO Ranjith Hettiarachchi

together with UNCDF Program Specialist Inclusive Finance

Myanmar Paul Lutchenburg participated in the Reaching

out to Rural Areas with Digital Financial Services workshop

organized by Mobile Money for the Poor (MM4P) and

MicroLead from February 23 – 27, 2015 in Kampala, Uganda.

The four (4) days residential programme exposed participants

to the cutting edge initiatives in branchless banking which

allows Financial Service Providers (FSPs) to reach deeper into

rural areas.

In addition, the event discussed savings group linkages,

managing rural agents, small holder farmer initiatives,

and how one can tailor its services to best suit the rural

households.

Over 20 countries from Asia and Africa joined in this large

knowledge sharing event.

AssociAtion of AsiAn confederAtion of credit Unions 8th Floor, U Tower Building, No. 411, Srinakarin Road, Suanluang, Bangkok 10250, ThailandTel: (66) 2 704 4252 to 54 Fax: (66) 2 704 4255E-mail: accumail@aaccu.coop Website: www.aaccu.coop; www.aaccu.asia

accunews

Roberto EstoconingSecretary - Philippines

Elenita V. San Roque - Chief Executive Officer

Ranjith Hettiarachchi - Project Manager/Chief of Technical Team

Nutchakarn Toscha - Administrative Officer

Sukhmeet Sohal - Secretary/Programs

Pachakorn Jinasit - Secretary

Seksan Seenil - Office Assistant

Rishi Raj GhimireBoard Member - Nepal

Board of DirectorsDr. Chalermpol Dulsamphant

President - Thailand

Editorial Staff

Dr. Moon, chul Sang 1st Vice-President - Korea

Elenita V. San RoqueCEO - Ex-Officio

Romanus Woga 2nd Vice-President - Indonesia

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