Ugnayan-September 2011 Issue

8/3/2019 Ugnayan-September 2011 Issue

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the ocial e-newsletter o the microfnance council o the philippines, inc.

Volume 5

Issue 2

September

2011

Whats Inside

1 First Macro Bank is MCPIsNewest Member

Training on Client ProtectionContinues

2 MCPI and PWRF-SP Partner orWater Services and Sanitation

4 Search is on or 2011 CitiMicroentrepreneur o the Year

Microinance, Agri ProductionLoans Available or SmallFarmers/Fishers

Greetings

Congratulations on your

25th year, TSKI!

Happy 9th anniversary ,

KASAGANA-KA!

First Macro Bank is

MCPIs Newest MemberThe Micronance Council o the Philippines (MCPI) ocially welcomes FirstMacro Bank, Inc. (FMB) as the newest addition to its amily o micronance

practitioners.

Training on Client Protection Continues

As part o the ongoing campaign to put into practice the Client ProtectionPrinciples and incorporate it in the daily operations o micronance institutionsthe Micronance Council o the Philippines, Inc. (MCPI) and Oikocreditorganized a training on Client Protection Principles or Oikocredits partnerslast September 22-23 in Fersal Hotel, Malakas, Quezon City.

In the training, participants were introduced to the six Client ProtectionPrinciples: Avoidance o Over-indebtedness; Transparent and ResponsiblePricing; Appropriate Collection Practices; Ethical Staf Behavior; Complaints

Handling and Resolution; and Privacy o Client Data. The gathering presentedthe attendees with the opportunity to identiy their respective organizationsstrengths where these practices are concerned; as well as pinpoint areas thatneed improvement.

The emphasis on client protection is an advocacy known as the Smart Campaigninitiated by key micronance leaders ollowing the global nancial crisis andthe micronance industry crises in a number o countries.

Aside rom generating awareness o the key client protection principles, thiactivity also aimed to educate and build the capacity o the MFIs to carryout a sel-assessment o their client protection practices; and create a team

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ugnayanis published by the MicronanceCouncil o the Philippines, Inc.

All rights reserved. 2011 by MCPI.

Address all correspondenceand inquiries to:MCPI SecretariatUnit 1909 Jollibee Plaza CondominiumF. Ortigas Jr. Road, Ortigas Center1605 Pasig City.Telephone Nos.:(+632) 631-5920, 631-6184Email:[email protected]: Micronance.CouncilTwitter: MFCouncilPHL

MCPI and PWRF-SP Partner for Water Services and Sanitation

Last September 1-2, microinance andtraining institutions based in Luzonattended a seminar on MicroinanceProgram or Water Supply and

Sanitation (WSS) in Un-servedCommunities in Astoria Plaza, PasigCity ollowing the same seminar heldin Cebu on May 26-27, 2011.

The 2-day seminar, organized inpartnership between the MicroinanceCouncil o the Philippines, Inc.(MCPI) and the Philippine WaterRevolving Fund Support Program(PWRF-SP) aims to encourage moremicroinance practitioners to: (1)include water and sanitation in themicroinance programs o theirrespective organizations, (2) partnerwith water service providers onwater supply to serve waterless andpoor households; and (3) signiicantlyimprove the sanitation aspect by

oering their clients loans or toiletconstruction or repair.

Topics in the seminar included

Product Development Cycle discussedby Mr. Cristopher Lomboy, Asia PPISpecialist o Grameen Foundation;Introduction to Water SupplyOperations and Sanitation, and CostEstimates o Dierent Models by Engr.Rene Capiz, Water Supply Engineer oPWRF-SP; and Partnership Models orWater Supply and Sanitation by Ms.Doreen Ere, Policy and InstitutionalSpecialist o PWRF-SP.

Product development, according toMr. Lomboy, starts by identiyingneeds and opportunities-in this case,the need or water and sanitation-beore a product is designed andpilot-tested.

Dierent partnership models amongMFIs, water utilities/water districts,water associations/borrower, andclients/households were discussedtogether with their respective rolesand obligations in the partnership.

Cost estimates on dierent WSSmodels were also given.

The Director or Alalay sa Kaunlaran(ASKI) Foundation, Inc. Babylyn F. delaCruz showed ASKIs pilot water kioskproject in Barangay Bagong Sikat,Cabanatuan City. Inauguration oAguador sa Nayon is in September2011.

TSPIs partnership with PWRF-SP developed and pilot tested a

marketing tool and strategy to creategreater appreciation o the valueo proper human waste disposal.Since pilot testing commenced in

the chosen branches, more than thetarget number o clients availed o thesanitation loan and a 100% repaymentrate was observed or both existingand new clients.

Institute or Popular Democracy(IPD) Local Governance ProgramCoordinator Erik Villanuevaspresentation ocused on organizationo water cooperatives in waterlesscommunities and network withother associations or cooperationon technical, economic and policyissues. Models o water cooperativesin the country and in Bolivia werealso shown, including their successes,setbacks, and assistance given themby the local government.

Video on Water or the Poor programo the USAID-Environmental ServicesProgram in Indonesia capped thepresentations.

Participants o the seminar voicedoptimism on the project but cited thatit needs unds, capability-buildingand inormation drive so there will bemore takers-MFIs and clients alike.

Copies of the Powerpoint and video presentations, and the seminareport are available from the MCPISecretariat.


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First Macro Bank... FROM PAGE 1

First Macro Bank was established in1960 by a group o socially-consciouspeople led by Anatolio B. Cruz. Thenknown as Rural Bank o Pateros, Inc.and the only bank in the municipalityat the time, it answered the bankingneeds o Pateros and its neighboringcommunities.

Although it did not ofermicronance productsuntil the year 2000, FMBhad been doing similarlending and communityinvolvement where it islocated. The bank believesin the enterprising pooras viable clients so it wasnatural or the bank todevelop a micronanceproduct when the practice

became mainstream.

FMB has more than ve thousandmicronance clients; and teno its eleven banking units ofermicronance services. It listens tothe needs o its clients and respondsto them by ofering customer-driven products. This and the non-nancial oferings o the bank, suchas livelihood training and seminarsaimed at strengthening the capability

o the microentrepreneurs, make First

Macro Bank an outstanding leader incommunity development.

First Macro takes pride in itsstaf o committed and dynamicproessionals in its eleven branchesin Metro Manila and neighboringtowns, which provide clients with

the highest quality o service. Theyofer regular bankingproducts like savings,time and currentaccount deposits;and micronance,housing, car, salary,SSS, and businessloans. Remittance andbills payment servicesare also available.FMB has also startedproviding clients with

ATM services.

At the helm is the banks PresidentReginald L. Ocampo, whoseexperience in the loans departmentand branch operations prior tobecoming president more thanenables him to steer First Macro toachieving its plans. In 2005, the same

year he became president, the bankimplemented some structural andorganizational changes, including

the setting up o the micronance

compliance unit. The year 2006saw the banks participation in theMicronance Inormation eXchange(MIX), in support to MCPIs programto establish industry benchmark; andthis year First Macro demonstrated itscommitment to pricing transparencyby participating in the transparent

pricing initiative o MicroFinanceTransparency (MFT). Bettemicronance services are expectedas improvements are applied by thebank.

When asked why First Macro Bank joined MCPI, Mr. Ocampo said thaFMB believes in MCPIs thrusts andvision. This condence in MCPas a good partner in promotingand strengthening the banksmicronance program and the entire

micronance industry was the reasonwhy FMB attended its training andseminars even beore its membershipwas made ocial. On its end, MCPI iscondent that FMBs membership wilproduce a long-lasting relationshipthat will not only support and developmicronancing at FMB, but amongrural banks in general.

Welcome aboard, First Macro Bank!

We believe

in the

enterprising

poor as viable

clients...

-First Macro Bank, Inc.

o resource persons that could helpSmart Campaign implement theseprinciples.

MCPI joined Smart Campaign in2008 when it started as a BeyondCodes project partner and sincethen has collaborated in a number

o initiatives to promote the ClientProtection Principles. On June 1314, 2011, the same training was heldin CSB International ConerenceCenter and Hotel, Manila, withmicronance institutions, PeoplesCredit and Finance Corporation(PCFC), and SEEDFinance Corporationas participants. It was organized byMCPI in partnership with the SEEPNetwork and Smart Campaign.

Training on Client... FROM PAGE 1


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Search is on

for 2011 Citi

Microentrepreneur

of the Year

Aspirations. Hard work. Businessstrategy. Microentrepreneurial

success. These are what the CitiMicroentrepreneur o the Year (MOTY)is all about. And the search is on.The Microinance Council o thePhilippines, Inc. (MCPI) receivedeighty our (84) nominations romits members and sixty one (61) romother networks ater this yearslaunching o the Citi MOTY searchon May 27,2011. Out o this number,twenty our (24) nominees wereincluded in the shortlist as semi-inalists. Teams composed o MCPI,the Bangko Sentral ng Pilipinas (BSP)and Citibank volunteers have visitedthe nominees or interview andurther evaluation ater which twoscreenings will ollow to determinethe winners.

The awards have two categories-Masikap and Maunlad. Masikapnominees have business assets worthP300,000 or less while Maunlad

candidates have P300,000 up toP1 million worth in assets. Therewill be one National winner andthree Island Group (Luzon, Visayas

and Mindanao) awardees or eachcategory.

National winners in the twocategories will receive P200,000 each;and the three Island Group awardeesP100,000 each. As an added beneitor winners, a three-year lie andhealth insurance coverage will alsobe awarded to them. The winners willalso undergo training on inancialliteracy and entrepreneurship. AP10,000 incentive will also be given

Microfinance, Agri

Production Loans

Available for Small

Farmers/Fishers

An initial P400 million und hasbeen allocated by the AgriculturalCredit Policy Council (ACPC) tound either agricultural productionor micronance loans o eligiblesmall armers and shers in theareas o operation o participatingcooperative banks. For the ull story,please go to http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66(clickthe link to view online article).

to the MFIs branch and their loanoicers serving the winners ortheir part in the achievement o themicroentrepreneurs.

More than 70 outstandingmicroentrepreneurs who haveimproved their quality o lie andgenerated employment or othermembers o the community throughtheir sustainable enterprise have beenrecognized by the Citi MOTY searchsince the awards program started in2002.

Announcement o winners will be inNovember 2011.

Something new is coming soon...

www.microfinancecouncil.org
http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66http://www.microfinancecouncil.org/http://www.microfinancecouncil.org/http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66http://www.philstar.com/Article.aspx?articleId=731559&publicationSubCategoryId=66

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Ugnayan-September 2011 Issue