POWERING

INNOVATIONS
IN MICROFINANCE
conference on microfinance
July 24 - 25, 2008 * Asian Development Bank, Manila, Philippines
 Edited by Foxit PDF Editor
Copyright (c) by Foxit Software Company, 2004 - 2007
For Evaluation Only.

CONCURRENT WORKSHOP SESSIONS

Friday, July 25, 2008

9:00 a.m. - 10:30 a.m.

Community Development Programs by MFIs to Auditorium Zone A & B

Promote Wholistic Development
APPEND believes that community development enhances the impact of microfinance. The ComDev approach helps
communities become actively involved in addressing the causes and effects of poverty by empowering them to analyze,
plan, and implement their own development. The aim is towards total transformation of communities through positive
change in social, economic, political, physical, and individual areas of life.
While wholistic in its approach, the ComDev initiatives foster entrepreneurship within communities by helping them
establish sustainable community enterprises owned and managed by empowered community members. It mainstreams
non-enterprising poor to be part of the enterprising community. Once the communities are developed and empowered,
these can also “graduate” to credit-taking capability. This workshop will showcase APPEND’s microfinance institutions,
ASKI, HSPFI and TSKI’s powering innovations in community development that aims to promote a sustainable and effective
microfinance. Facilitator:
Resource speakers:
Vicente Geducos, Exec. Director Cristopher Lomboy
Virginia Juan, Executive Director, APPEND Documenter:
Hagdan sa Pag-uswag Fdn., Inc.
Babylyn dela Cruz Rebecca Corral
Reynaldo Ambao, BDS Department
Director for Community Development, Microfinance Council of the
Head, Taytay sa Kauswagan, Inc.
Alalay sa Kaunlaran, Inc. Philippines, Inc.
 POWERING
INNOVATIONS in
MICROFINANCE

July 25, 2008

Virginia “Jeng” Juan, APPEND
The Alliance of Philippine
Partners in Enterprise
Development (APPEND)
VISION
 A transformed and
progressive society where
people live in accordance to
God’s plan, with dignity,
sufficiency and responsibility
towards others and the rest
of the creation.
MISSION
 To help eradicate
poverty and to promote
national transformation by
contributing to the growth
and development of God-
fearing, socially-responsible
micro and small
entrepreneurs.
The APPEND Member Organizations
1. Alalay sa Kaunlaran sa Gitnang Luzon, Inc. (ASKI)
2. Daan sa Pag-unlad, Inc. (DSPI)
3. Hagdan sa Pag-uswag Foundation, Inc. (HSPFI)
4. Kabalikat para sa Maunlad na Buhay, Inc. (KMBI)
5. Opportunity Microfinance Bank (OMB)
6. People’s Alternative Livelihood Foundation of
Sorsogon, Inc. (PALFSI)
7. People Based Development Initiatives, Inc. (PDI)
8. Rangtay sa Pagrang-ay, Inc. (RSPI)
9. Talete king Panyulung Kapampangan, Inc. (TPKI)
10. Taytay sa Kauswagan, Inc. (TSKI)
11. Tulay sa Pag-unlad, Inc. (TSPI)
APPEND Network
Transformation
Program

LIFE Series
Living
In
Fellowship with
CHRIST for
Eternity
LIFE Series
a book and training
program for
character building,
discipleship and
leadership
The Gawaing Bahay materials were
designed for those who:
‡ Know and do household chores
‡ have very little time doing much
independent study
‡ have finished only elementary or high
school
‡ used to listening and watching soap operas
on radio and TV.
‡ The book is for those who are 9 to 70 years
old
Who uses Gawaing Bahay or Household
Chores?
‡ microfinance clients and their family
members
‡ Head office and branch staff
‡ Some staff in Catholic schools
‡ Baguio City as Character City

‡ There is growing interest from church and

development workers and leaders in
Indonesia and China
‡ OFW groups
 COMMUNITY
DEVELOPMENT
 The Comdev approach helps
communities become actively involved
in addressing the causes and effects of
poverty by empowering them to
analyse, plan, and implement their
own development.

The aim is towards total

transformation of communities
through positive change in social,
economic, political, physical, and
individual areas of life.
 While holistic in its approach,
the community development
initiatives foster entrepreneurship
within communities by helping them
establish sustainable community
enterprises owned and managed by
empowered community members.

It mainstreams non-enterprising poor

to be part of the enterprising
community.
Once the communities are developed
and empowered, they can “graduate”
to credit-taking capability.

Thus, community development

prepares clients for microfinance and
therefore deepens the impact of
microfinance.
Brief Background

Community
Development
Capacity Gender and
Building Development

Project PARTNERSHIP…

EMPOWERING WORKFORCE
Through COMMUNITY
ORGANIZATION (EICO)
- 12 Villages in Nueva Ecija
- Minimum Basic Needs (MBN)
Approach
 Capacity Building Program for Sustainable
Community Driven Development

Community
Development
Capacity Gender and
Building Development

Expansion of areas
( 4 new villages/2 old areas)
Issue Based Approach
Issue based Community Organization (
IBCO)

1.Integration
2. Social Investigation
3. Tentative Planning
4. Groundworking
5. Pre-action Meeting
6. Roleplaying
7. Mobilization
8.Reflection
9. Evaluation
10. Organization building
 Community Organization
( formation of community action groups)

Community Capability Building

( Hands-on Trainings, exposures, etc)

Community Owned Projects

( Livelihood, health, water, environment, infra, etc)
 *Empowered
Community/People
Organizations

Town Village Civil Total

s s Society
( POs,
10 22 Coop)
25 880
HH
Development of Community
Local Trainers & Organizers

Hand-on Training
Program

Paralegal

Risk & Debt

Management
Advocacy &
Networking
Resource
Mobilization
Basic Community
Organization
Participatory
Monitoring &
Evaluation
Total pax= 14
( 10 towns)
Turn Over of Community
Projects to Partners ( Exit Phase)

People Organizations Officers Partner Barangay Officers

 Project 1:
Management and
Control over
Irrigation Deep well
(Farmer Cooperative
In Talugtog, NE)
( 47 has. Served)
 Project 2:
Mobilization of Resources for
the maintenance of Bridge by
Igorot Groups
Project 3: Access for Supply of
Electricity ( Ps. 980,000.00
worth project)
 Project 4: Valuing the work and
Contribution
for Environment Protection

“Canal Cleaning “ TREE

Projects” Growing ”
 Project 5: Health and Sanitation Projects
( Maintenance of toilet facilities )
Barangay No. of units No. of Beneficiaries

Sta. Monica 15 75

San Eustacio 22 110

Bagong Buhay 15 185

San Roque 9 45

Mayamot 9 75

Valeriana 6 75

Camajuan 15 100

Panabingan 5 85

Nauzon 37 185

San Isidro 40 200

Total 173 1,105 per day

 Project 6: Sustained Education & Values Formation
( Pre-elem/Vocational Course, Youth Camps, Sports activities)

Brgy PO Name Activities Conducted Support Agencies Participant/

Beneficiary

Nagcuralan MASIPAG Early Child Barangay Council 120 Pre-school

Development Program

Community Mini-Library ASKI Elementary and High

School
Sta. Monica SSLP Community Library ASKI Elementary

Caputican KAPITBAHAY Community Mini-Library ASKI Elementary Students

Barangay Project Name

Sta. Monica Community Library

San Roque Summer Day Care

19 day care ages 4-5
years old
Nampicuan Pamay Sports Fest SK 45 Active
anan PYA Youth
Atin ng Barangay
Alagaa Council
n

Maria 4 ASKI-TESDA ASKI 35 Igorot

Aurora Villages Scholarship TESDA
Program Barangay
Council
 Project 7; Management and Development of Group Livelihood Project

P.O. Enterprise Status

SAGANA 1.Butchery Ps.10,359.00
2. Peanut Butter Making Ps.8,497.00
3. Bigasan Ps. 23,425.00
Singkober Goat Raising 18 heads
@ Ps2000= Ps.36,000.00
SSLP Rice Wine Produced 25 bottles(370ml) from 10
kilos of glutinous rice.
 Project 9: Management of Water Projects

Barangay No. of Maintained Nauzon & Spring and Water Ps. 700,000.00
Pumps San Isidro Development Per project
Laur

Mayamot 1

San Eustacio 1

San Roque 1

Sta. Monica 1

Bagong Buhay 1

Total 5

New project with the support of

Opportunity International-Australia( OI-A)
 Reinforcing Learnings on
Community Driven
Development Approach
among Marginalized groups
Culture Sensitive
CO-CD cum MED strategy
( Igorot Groups- 2007-2008)
 On-going Projects After a Year of Immersion
Name of Project Total Project Cost ASKI Counterpart Community / LGU
Counterpart

Construction of Day Care Center Ps 397, 105.88 Ps 367 ,105.88 Ps 30, 000
(Dianawan)

Construction of School Building for Ps 347 .947.00 Ps 255, 047 Ps 92, 900
(Galintuja)

Renovation of Day Care Center (Punglo) Ps 138, 342.50 Ps 107, 613.5 Ps 23,765

Renovation of water System for Barangay Ps 219, 875.00 Ps 165, 375 Ps 54, 500
Punglo

Renovation of Pacugao Bridge Ps 840, 000.00 Ps 300, 000 Ps 500 ,000 LGU
(Kadayakan) Ps 40, 000-Kadayakan
& Bayanihan

Spring Development Ps. 980,554.00 Ps. 750,545.00 180,000 ( POs0

( Palale) 50,000 ( Council)
Day Care Centers/School Building
Infrastructures

Rehabilitation of
Kadayacan Bridge Project
( Ps. 1.5 M )

Spring Development for

Palale,Gen.Tinio
( Ps. 785,000 Project)
 INFRASTRUCTURE
IMPROVEMENTS
CAPABILITY
BUILDING

Focus OPERATIONAL Immersion

Trageting STRATEGIES

COMMUNITY Partnerships/
SOCIAL/RELATIONS BUILDING LINKAGES
Partnerships &
Linkages

Local Government Units of

Aurora & Nueva Ecija

TESDA of Aurora Province

- Department of Agrarian Reform (DAR)
( North and South Offices-Region 3) -Department of Labor &
Department of Trade and Industry Employment
( DTI-Region 3) -City Health Office
-Department of Environment
-TESDA Region 2 & Natural Resources
-Department of Science & Technology -Department of Agriculture
- Isabela State University ( Region 2) -Department of Social
- Plan Intl. Welfare
• Project 8: Increased involvement in
Income Generating Project
( individual)
(Agriculture / Non-Agri Loans)
Mainstreaming of COMDEV
Strategy Institutionally
 Empowering the IP Communities & Leaders

MARRIAGE
ENRICHMENT
COURSE A
•People Organizations,
Cooperatives, Associations
( Farmer, women, youth)
L •Barangay Officers
P
H
A
Course
“Gawaing Bahay Series…
 Partnerships with TSKI &
HSPFI & other agencies for
the IP programme

Luzon-
ASKI- Igorot

Visayas-
TSKI- Ati

Mindanao- HSPFI-
Higaonon
 An Eye on the
OLD AREAS

Gingoog & Iligan

Introduction
The Community Development Work of Hagdan Sa Pag-uswag
Foundation, Inc. (HSPFI) made a remarkable achievement in cities
of Gingoog and Iligan. Many of the community people in both
areas gathered to group themselves. Many were willing to be
strengthened and educated with opportunities brought by the
TEAR Fund New Zealand. But some were reluctant about what
would be offered and where would this illusion lead them.

The courage and aspirations of the few seeded development.

The call now is to continue the work they started with or without the
assistance of HSPFI & TEAR Fund. Hence, they were
consolidated, rehabilitated and strengthened. It is for them to
pursue the challenge.
Iligan

Consolidation Activities
„ Pre Assessment Workshop
„ Needs Assessment
„ Regular Monitoring &
Evaluation
„ Baking Seminar
„ Simple Bookkeeping
„ Ecological & Sustainable
Crop Production
„ Exposure Trip
„ Small-Scale Infrastructures
Gingoog

Consolidation Activities
„ Organizational Diagnosis
using OCSAT
„ Regular Monitoring &
Evaluation
„ Conflict Management
„ Parliamentary Procedures
„ Small-Scale Infrastructures
„ Community Outreach
„ Simple Bookkeeping
 Brief Report on
Indigenous Peoples
Interventions
“A Work of Challenge & Heart”
(The HSPFI ComDev Team)
Indigenous Peoples in General
There is no accurate information regarding the population of this
group as of now. It is then a standard to approximate its number to
about 10% of the population of the Philippines, that is 85 Million,
according to the government. Approximately, 8.5 Million Indigenous
Peoples inhabitants are existing. Cutting up, 33% part is in Luzon, 6%
is in Visayas which is scattered and the majority of 61% in in Mindanao.

Currently, the Indigenous People in general are stumbled in the

circumstances wherein there is a neglect of economic development,
lack of basic services, presence of competition for lands and resources
continue, survival is threatened, continue to be victims of development
aggression, militarization, killings, human rights abuses and
discrimination and conflict of laws and policies.

Hence, we need to be vigilant and impartial in dealing and working

with these sensitive yet promising communities.
Overview of the Higaonon Tribe
The Indigenous Peoples communities of HSPFI were
Higaonon Tribes. HIGA means “Living”, GOAN means
“Mountain” and ONON means “People”, hence, they are called
“The People of the Living Mountains.” Originally, these people
existing around the eight rivers in their “Ancestral Domains.” This
community has distinct characteristics from the lowland people
such as customary laws, culture and traditions, spiritual beliefs,
justice system and language.

Today, they are driven back to the most secluded hinterlands.

Opportunities for development were less given to this first
dwellers of the lands. They were isolated. They were deprived.
Now, the challenge is amidst us to charter another unknown
waters. This is to uphold development in the Indigenous Peoples
communities.
Balingasag
„ Consultations, Researches
& Studies
„ Initial Meeting With National
Commission on Indigenous
Peoples (NCIP)
„ Meetings with Key Persons
of KHI
„ Area Visits (Meetings &
Consent of the Tribal
Leaders)
„ Participatory Rural
Appraisal
„ Small-Scale Infrastructure
(Toilet)
Malitbog
„ Consultations, Researches
& Studies
„ Initial Meetings with NCIP
„ IPRA Orientation
„ Research Team Orientation
„ Research Team Practicum
„ Participatory Rural
Appraisal
„ Asset-Based Community
Driven Approach (ABCD)
Orientation
„ Ecological & Sustainable
Crop Production
„ Farm Implements
Community Development Mainstreaming
Activities
„ Two Phases of Integration Seminar
Workshops among the ComDev Team &
Operations Personnel
„ Management Committee Meeting Slot for
ComDev Team Reports
„ Core Group for Mainstreaming Activities
Meeting
The Framework
DAGHANG SALAMAT!!!

MAGIS! Let’s work hand-in-hand in

giving better life to poorer communities,
particularly the “Indigenous Peoples
Community.”
 Taytay Sa Kauswagan, Inc.
“Bridging the Gap Between Poverty and Progress”

Taytay sa Kauswagan,
Inc.
Community-Based
Entrepreneurship
Development Program
(CBEDP)
AusAID and OI-Australia
A TYPICAL PHILIPPINE COMMUNITY
Rationale
The CBEDP was conceptualized due to
the need to reach the poorest of the
poor by providing opportunities for
the creation of sustainable community
enterprises, that would promote the
creation of jobs for the poorest and an
integrated approach for the well being
of the whole community

Taytay sa Kauswagan,
Inc.
 COMMUNITY-BASED ENTREPRENEURSHIP
DEVELOPMENT PROGRAM (CBEDP)
( Microfinance BDS Program )
A Conceptual Framework

Organizing community Entrep.Competency Level

Development of the
for planning
Entrepreneur
n AB cmp PRO Exp

Situational Analysis
(PRCA) Development of the
Enterprise
Participatory Community
Development Planning Entrepreneurship
Sustaining the Viability
Project Proposal of the Enterprise
Making
Development of the
Project Management Support System
Three Major Interventions
• Community Empowerment

• Community Participatory approach

• Community Enterprise aligned to the

LGU’s “One Town One Product” program

Taytay sa Kauswagan,
Inc.
Community Empowerment
• Provide capability for leadership
• Training on management skills
• Inclusion of transformational
program

Taytay sa Kauswagan, Basic Bookkeeping Training

Inc.
Community Participatory
Approach

Taytay sa Kauswagan,
Inc.
 1.Organizing Community for
Planning & PRRA

Transect Mapping

Household interview
Situational Analysis
Taytay sa Kauswagan,
Inc.
2.Participatory Development
Planning
Formulation of development plans

Taytay sa Kauswagan,
Inc.
3.Project Management

Problem Tree Analysis

Project Proposal Making

Taytay sa Kauswagan, Stakeholders’ Conference

Inc.
 Community Enterprises (OTOP)
Smithery – Sta. Barbara

Taytay sa Kauswagan,
Inc.
 Community Enterprises (OTOP)
Shell Accessories – Yapak, Boracay

Taytay sa Kauswagan,
Inc.
 Community Enterprises (OTOP)
Hand woven products – Salngan, Oton

Taytay sa Kauswagan,
Inc.
 Community Enterprises (OTOP)
Abaca fiber based products – Tuburan, Janiuay

Taytay sa Kauswagan,
Inc.
Community Enterprises (OTOP)
Squid based products – Nipa, Concepcion

Taytay sa Kauswagan,
Inc.
Enterprise Development

• Develop quality
• Develop product (ie designs and product line)

BEFORE AFTER

Taytay sa Kauswagan,
Inc.
Enterprise Development
• Capacity enhanced to meet large orders
Skills Training

Shell Processing

Loom weaving
Abaca Fiber weaving
Taytay sa Kauswagan,
Inc.
Enterprise Development
• Marketing and linkages to new local and
external markets

Taytay sa Kauswagan,
Inc.
Program
Impact
Impact on Enterprise
• Increased income ( P2,000/month to P4,000 )

• Increased employment – Job creation

by as much as 53%
• Enhanced business management skills
• Increased technical skills

Taytay sa Kauswagan,
Inc.
 Jobs Generated
Community Before Present Jobs %
Generated
Tungay, Sta. 104 123 19 18 %
Barbara
Salngan, Oton 4 24 20 500 %
Tuburan, 1 20 19 190 %
Janiuay
Yapak, Boracay 9 24 15 16 %
Qui-anan, San 45 55 10 22 %
Joaquin
Nipa, 20 35 15 75 %
Concepcion
TOTAL 183 281 98 53 %
Taytay sa Kauswagan,
Inc.
 Loan Releases
Community CBE # of Members Total Loan
Identity/Name Released

Tungay, Sta. TUDECO 25 1,396,000

Barbara
Salngan, Oton SLMPC 31 82,000
Tuburan, Janiuay TAWA 24 4,000
Yapak, Boracay YLMPC 20 70,000
Qui-anan, San QBMC 24 116,000
Joaquin

TOTAL 124 1,668,000

Taytay sa Kauswagan,
Inc.
 Community Participation
Community Population # of Households Average Pax (
Trngs/Activities)

Tungay, Sta. Barbara 496 100 35

Salngan, Oton 387 75 30

Tuburan, Janiuay 866 165 30

Yapak, Boracay 2,194 402 20

Qui-anan, San 556 103 35

Joaquin
Nipa, Concepcion 1,194 214 30

TOTAL 5,623 1,059 180

Taytay sa Kauswagan,
Inc.
 Impact on Health
• Access to health services and
medicines within their community
• Removal from the list of top three
communities with highest
incidence of malnourished children
LGU-Oton Feb report series 2007

Taytay sa Kauswagan,
Inc.
 Impact on Infrastructure
• Water System established
From shallow well to water reservoir

• School rooms constructed

Joint project of TSKI, Rotary International and LGU

Qui-anan, San Joaquin

Yapak, Boracay
Taytay sa Kauswagan,
Inc.
 Impact on Infrastructure
• Roads well-paved
• Production center built
• Barangay Hall constructed
Barangay road in Nipa, Concepcion

Barangay Hall in Tuburan, Janiuay

Taytay sa Kauswagan,
Loom weaving production center, Salngan, Oton
Inc.
 Impact on Youth
• Developed self confidence
• Focused on productive activities
• Realized the value of hard work

Youth Theater Group, Boracay

Induction of Youth Officers, Salngan, Oton

Taytay sa Kauswagan,
Inc.
 Community Empowerment
• Participatory processes provide a
venue for the ideas and opinions to be
heard
• Builds local leadership
• Skills developed in Resource
generation
• Enhanced people’s participation in all
community meetings for local
development

Taytay sa Kauswagan,
Inc.
Restored dignity
• Pride of the town
Inclusion of their community as a tourist
destination of the town highlighting their
Enterprise.

Taytay sa Kauswagan,
Inc.
 Serves as a model community
• Cooperation and hard work
makes a difference
Cited as an “Innovative model”
for poverty alleviation for
depressed communities by
government institution

Taytay sa Kauswagan,
Inc.
 Strengthens stakeholders’
linkages
• Allocation of budget for OTOP
• Increased awareness on TSKI’s
sincerity in poverty alleviation
• Increased possibility of
programs sustainability

Taytay sa Kauswagan,
Inc.
Stakeholders’ Conference
“Together, we
can make a
difference”

Taytay sa Kauswagan, Inc.

Edited by Foxit PDF Editor
Copyright (c) by Foxit Software Company, 2004 - 2007
For Evaluation Only.