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.