Comdev Compilation

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 Promote Wholistic Development

Auditorium Zone A & B

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: Virginia Juan, Executive Director, APPEND Babylyn dela Cruz Director for Community Development, Alalay sa Kaunlaran, Inc.

Vicente Geducos, Exec. Director Hagdan sa Pag-uswag Fdn., Inc. Reynaldo Ambao, BDS Department Head, Taytay sa Kauswagan, Inc.

Cristopher Lomboy Documenter: Rebecca Corral Microfinance Council of the 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 Godfearing, 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 Building

Gender and 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 Building

Gender and 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 s

Village s

10

22

Civil Society ( POs, Coop) 25

Total

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 Projects”

“ TREE Growing ”

Project 5: Health and Sanitation Projects ( Maintenance of toilet facilities ) 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

Barangay

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

Nagcuralan

PO Name

MASIPAG

Activities Conducted

Support Agencies

Participant/ Beneficiary

Early Child Development Program

Barangay Council

120 Pre-school

Community Mini-Library

ASKI

Sta. Monica

SSLP

Community Library

ASKI

Elementary and High School 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 anan Atin ng Alagaa n

Sports Fest

Maria Aurora

4 Villages

ASKI-TESDA Scholarship Program

SK PYA Barangay Council

ASKI TESDA Barangay Council

45 Active Youth

35 Igorot

Project 7; Management and Development of Group Livelihood Project

P.O.

Enterprise

Status

SAGANA

1.Butchery 2. Peanut Butter Making 3. Bigasan

Ps.10,359.00 Ps.8,497.00 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 Pumps

Mayamot

1

San Eustacio

1

San Roque

1

Sta. Monica

1

Bagong Buhay

1

Total

5

Nauzon & San Isidro Laur

Spring and Water Development

Ps. 700,000.00 Per project

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 (Dianawan)

Ps 397, 105.88

Ps 367 ,105.88

Ps 30, 000

Construction of School Building for (Galintuja)

Ps 347 .947.00

Ps 255, 047

Ps 92, 900

Renovation of Day Care Center (Punglo)

Ps 138, 342.50

Ps 107, 613.5

Ps 23,765

Renovation of water System for Barangay Punglo

Ps 219, 875.00

Ps 165, 375

Ps 54, 500

Renovation of Pacugao Bridge (Kadayakan)

Ps 840, 000.00

Ps 300, 000

Ps 500 ,000 LGU Ps 40, 000-Kadayakan & Bayanihan

Spring Development ( Palale)

Ps. 980,554.00

Ps. 750,545.00

180,000 ( POs0 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 Trageting

OPERATIONAL STRATEGIES

COMMUNITY SOCIAL/RELATIONS BUILDING

Immersion

Partnerships/ 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 Trade and Industry ( DTI-Region 3) -TESDA Region 2 -Department of Science & Technology - Isabela State University ( Region 2) - Plan Intl.

-Department of Labor & Employment -City Health Office -Department of Environment & Natural Resources -Department of Agriculture -Department of Social 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 L P H A

•People Organizations, Cooperatives, Associations ( Farmer, women, youth) •Barangay Officers

Course “Gawaing Bahay Series…

Partnerships with TSKI & HSPFI & other agencies for the IP programme LuzonASKI- Igorot VisayasTSKI- Ati Mindanao- HSPFIHigaonon

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 for planning

Development of the Entrepreneur

Situational Analysis (PRCA) Participatory Development Planning Project Proposal Making Project Management

Development of the Enterprise Community Entrepreneurship Sustaining the Viability of the Enterprise

Development of the Support System

Entrep.Competency Level n

AB

cmp PRO Exp

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, Inc.

Basic Bookkeeping Training

Community Participatory Approach

Taytay sa Kauswagan, Inc.

1.Organizing Community for Planning & PRRA

Transect Mapping

Household interview

Taytay sa Kauswagan, Inc.

Situational Analysis

2.Participatory Development Planning Formulation of development plans

Taytay sa Kauswagan, Inc.

3.Project Management

Problem Tree Analysis

Project Proposal Making

Taytay sa Kauswagan, Inc.

Stakeholders’ Conference

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 Taytay sa Kauswagan, Inc.

AFTER

Enterprise Development • Capacity enhanced to meet large orders Skills Training

Shell Processing Loom weaving Taytay sa Kauswagan, Inc.

Abaca Fiber weaving

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. Barbara

104

123

19

18 %

Salngan, Oton

4

24

20

500 %

Tuburan, Janiuay

1

20

19

190 %

Yapak, Boracay

9

24

15

16 %

Qui-anan, San Joaquin

45

55

10

22 %

Nipa, Concepcion

20

35

15

75 %

TOTAL

183

281

98

53 %

Taytay sa Kauswagan, Inc.

Loan Releases Community

CBE Identity/Name

# of Members

Total Loan Released

Tungay, Sta. Barbara

TUDECO

25

1,396,000

Salngan, Oton

SLMPC

31

82,000

Tuburan, Janiuay

TAWA

24

4,000

Yapak, Boracay

YLMPC

20

70,000

Qui-anan, San Joaquin

QBMC

24

116,000

124

1,668,000

TOTAL

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

2,194

402

20

556

103

35

1,194

214

30

5,623

1,059

180

Yapak, Boracay Qui-anan, San Joaquin Nipa, Concepcion TOTAL 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, Inc.

Loom weaving production center, Salngan, Oton

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.