Annual report 2012

Messages 1

2012ANNUAL REPORT

2 2012 ANNUAL REPORT

Corporate Ideals

Messages

Success Stories

Products and Services

Comparative Performance Analysis

Year End Highlights

Year in Review

Board of Trustees

Leadership Team

Partners and Affiliations

Directory

03

04 - 07

08 - 11

12 - 14

15

16 - 17

18 - 19

20

21 - 22

23

24 - 25

INSIDE

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CORPORATEIDEALS

CORPORATEIDEALS

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To see people in communities live in abundance with strengthened faith in God and in right relationship with their fellowmen and the rest of the creation.

OUR VISION

OUR MISSION

KMBI is a Christ-centered development organization, existing to help transform the lives of its clients by providing sustainable microfinance, training, and deman driven non-financial services.

CORE VALUES

RespectIntegrityStewardshipCommitment to the PoorDisciplineInnovationExcellence


New FaceThe

BegunHasTransformationof


MESSAGE FROM THE CHAIRMAN

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The past 26 years was full of challenging and yet inspiring stories and experiences that defined KMBI today. In 2012, we continued on our new journey with renewed spirit and commitment to our Mission. As we roll out new generation of services, we are able to

expand our outreach from Filipino microentrepreneurs to small enterprises and farmers. These initiatives signalled the next phase of our battle against poverty. We are glad to announce that in preparation for the coming years, the Board of Trustees approved KMBI’s Four Strategic Directions that will continuously strengthen our core business - Transformation. These are: 1. Reach out to 314,000 clients, including microentrepreneurs and their families, low-income

farmers and fisher folk, OFWs and families of clients, and the poorest of the poor.2. Deliver holistic microfinance (financial and non-financial services) and community

development (financial and non-financial services) to its target clients.3. Improve portfolio quality, strengthen operational performance, and ensure financial

sustainability.4. Facilitate the economic, psychosocial and spiritual development of the program members.

The new face of transformation has begun and we will continue to find ways to actively develop our programs and services to reach out to those who are still under the poverty line. Though this is just the beginning of a new battle, with God’s grace, we acknowledged that KMBI is firmly positioned for the future. At KMBI, we acted as ONE to serve God, to build the nation, and to continually work in unity to accomplish our mission. Synergy won’t be possible without the commitment of our staff and partners. Thus, I would like to thank them for being with us through the years. To God be the Glory!

Damiana D. ExiomoChairman

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MESSAGE FROM THE EXECUTIVE DIRECTOR


KMBIStrongDelivered

Performancea

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2012 was an extraordinary year as KMBI delivered a strong performance brought about by a more strategic repositioning and sound execution of our plans. The spike in our financial and operational sufficiency also affirmed our viability and KMBI’s ability to deliver value

to our clients.

These breakthroughs were translated in different initiatives that we launched this year like the Masaya Dito sa KMBI campaign, the 2012 Leaders Retreat, piloting of the Client Feedbox System, partnership with other MFI’s thru MAHP and the development of the KIIS system. The technical assistance we received from partner institutions also enabled our clients to further grow their businesses.

I believe that KMBI will continue to offer relevant and market-led products that will provide solutions and better services for our clients. 2013 may be another challenging year but as we stir the boat to Start Right, Run Well and Finish Strong all for the glory of God, we will never go wrong.

Let me close this by expressing my gratitude to our staff and partners for their unwavering trust, commitment and involvement, and also to the Board of Trustees for their trust and support in my leadership.

Liza D. EcoActing Executive Director

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Ester Ardales, Legazpi Branch

Ester’s coco lumber business started 16 years ago when she was still a sari-sari store owner and a baranggay official. The constant prodding of her brother to buy power saws

prompted Ester to open a coco lumber business. Because of the growing demand for lumber, Ester’s husband also quit his job as a traffic aide to concentrate in managing their new business. Soon after, the couple decided to close down their sari-sari store as they earn more money from the lumber business allowing them to acquire a second hand truck in just a short time.

And like in most businesses, you don’t get to have a good day every day. Ester recalled instances of suppliers asking for advance payment but will not deliver lumbers. “Trusting coco-sellers is very crucial in this kind of business,” she quips. When typhoon Reming hit the country, total log ban was imposed forcing Ester to diversify. “We immediately bought three jeepneys and two second-hand tricycles to augment our diminishing income. On a daily basis we earn P1,500 for the jeepneys and P400 for the tricycles.”

The additional income not only sustained Ester’s family but it also allowed them to save and have rolling capital for a new business. So in 2007, Ester ventured in sound rental business and three years after, she bought a parcel of land and started to raise hogs. Ester’s husband managed the hog raising while she concentrated on the lumber business when the total log ban was lifted. However in 2012, Ester’s husband was amputated due to diabetes. Ester had no choice but to close down the hog production and moved on. She asked the help of her eldest to manage the remaining family business.

The Lumber Queen


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2012 KMBI Entrepreneur of the Year (KEY) Awardee

Despite what she’d been through, Ester’s children all went to college. Her businesses are booming, she now has four jeepneys, four second-hand power saws, eight on-call workers gathering lumber in the mountain and two regular employees in her lumber store.

She’s been with KMBI for 9 years now and when asked why she remains faithful to the program, “I really appreciate the products and services of KMBI, particularly the CBU, micro-insurance, bible sharing, among other activities.”

Aside from her triumphs as a businesswoman, Ester is also a three-term Councilor at Brgy. Buenavista

“ ”

I really appreciate the products

and services of KMBI,

particularly the CBU,

micro-insurance, bible sharing,

among other activities.

The Lumber Queen

Success Stories 9


Emelie Araña, Legazpi Branch


“ Failures and adversities are like muscles that often strain our lives. If we don’t stretch and strengthen the muscle through exercise, the strain will continue. As they say, our courage muscle only gets stronger when we take action and recognize that there are things that need to be done.

For KMBI Tagum Branch program member, Emelie Arana, she had her share of some tough weights. Emelie’s daughter has a rheumatic heart that requires treatment every 28 days. Since it was only Emelie’s husband who brings in the income as a talyer worker, the Arana household could barely keep up with the growing expenses.

So in 1995, Emelie decided to apply as sales agent of beauty products at Copaschem. In just three years, Emelie went from being an agent to being a business owner managing the sales and distribution of Cospachem products in her area. She hired two sales employees, earning through commission basis, while

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2012 KMBI Entrepreneur of the Year (KEY) Awardee

she and her husband did the field work. According to Ester, doing field work is not easy as motorcycle rent could go as high as P350 a day if they want to go to far-flung areas.

This is when Emelie discovered KMBI. “I got curious. I asked one member and they told me that KMBI is helping microentrepreneurs like me, so right there and then I knew that KMBI is the answer to my business needs!” Emelie started out with a P4,000 loan and used it to buy motorcycle so she doesn’t need to rent.

From the new motorcycle, Emelie’s business expanded exponentially. She now has 25 employees plus her other collectors. Aside from this, Ester was able to buy five new motorcycles and pay for her daughter’s medical needs.

For the year 2012, Emelie was selected as one of the awardees of KMBI’s Entrepreneur of the Year (KEY awardee). She used the Php30,000 cash prize to buy another tricycle and named it “KMBI” as her token of appreciation to KMBI for recognizing her hard work.

Success Stories 11

“ ”

I got curious. I asked one

member and they told me

that KMBI is helping

microentrepreneurs like

me, so right there and

then I knew that KMBI

is the answer to my

business needs.


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What does it mean to have our acts together? And what does it have to do with the act we are

called and expected to do? These are two issues that we, as Christians and servants of God, need to settle. As God’s chosen people, justified by grace through Christ Jesus, and called to be in union with Him, our response should be living a life that equally reflects God’s work in us. And once we have determined the answers to these questions and responded appropriately to the challenges laid down before us, we are like a double-edged sword ready to unleash from its sheath. Coming from such perspective, the logo 1ACT depicts a double-edged sword in sheath being unleashed for battle. The grip conveys two symbolisms: unity (number one), and a personal decision (“I”). “Act” is a calling to stop being passive; an instruction to execute and exercise power (as suggested in Eph. 3:20). Putting the two together, the logo intends to challenge KMBI staff and clients… …to serve God as ONE (one in faith and one baptism);

…to build the nation TOGETHER (have a single act since we have one Lord, one God, and one Father); and,

…to work in UNITY for the accomplishment of our mission (committing to act just as we are called in one hope of our calling).


TOGETHER WE CAN DO BETTER

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As a not-for-profit institution and transformation advocate, part of our core belief is to help people out of poverty. We do this by focusing on the three c’s - Capital, Capacity and Character.

Better Financial ResourcesPoor access to financial resources is one of the reasons why most enterprising poor cannot expand their business. Through Microfinance, KMBI builds on the CAPITAL of an individual. Thus, KMBI developed an array of products and services that caters to individual needs.

Group Loan Program (GLP) provides access to financial services to low-income clients that are mostly self-employed women who would be otherwise excluded from the services of commercial banks. By giving them access to small loans, KMBI believes that these women microentrepreneurs may grow their capital, facilitate enterprise growth and expansion that would help them get out of poverty.

Individual Microentreprise Program (IMEP) is an individual loan program intended for growth-oriented microentrepreneurs who want to grow their businesses and bring it to the next level, the transitioning SMEs (Small MicroEntrepreneurs). IMEP offers variety of loan products such as Productive Loan (PL) that intends to finance all sales-generating business activities e.g. additional working capital, product improvement, and market expansion and development; and Asset Acquisition Loan (AAL) that intends to finance activities that may not directly generate sales but can help in doing so e.g. (1) improvement, rental or acquisition of new office/store/factory, (2) renovation or expansion of existing office/store/factory, (3) purchase, assembly or down payment for a vehicle, and (4) purchase or fabrication of office or production machinery, equipment and furniture.

Agricultural Microfinance Program (AMF) is a loan product that extends financial resources to Filipino farmers in order to uplift their lives and contribute to the improvement of the agricultural sector in the Philippines. Agri-MF loan may be used for financing farm machines and equipment, supplies like seeds, insecticides, and fertilizers, Diversified Integrated Farming System (DIFS), and other agricultural-based expansion projects.

KMBI’s financial products include Capital Build-Up (CBU) that provide opportunities for clients to build their own financial resources and lessen their dependence in credit source in the future.

Products & Services 13


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Aside from loans, Micro-insurance (MI) is also given as an add-on service to clients to protect them in cases of death in the family and bankruptcy. For GLP, MI offers death insurance and burial benefits, while IMEP and Agri-MF both have life and non-life microinsurance. The non-life microinsurance, on the other hand, ensures coverage to help clients revive their businesses in case bankruptcy or force majure occurs.

Better OperationsBy providing trainings and financial literacy seminars through our Entrepreneurial Development Services and Product Development we build our clients’ CAPACITY.

Skills training for clients include both soft and hard skills i.e. human resource, accounting, negotiation, leadership, and management, among others. To further hone their skills, KMBI tapped government agencies and institutions that offer programs and services that will help clients build and enhance their capacity. GLP clients were able to join trade fairs and local and international seminars that enable business matching activities and linkaging. Business coaching and mentoring, depending on the nature of clients’ business and needs, were also provided for IMEP clients. While Agri-MF clients receive training and seminars related to agricultural farming systems and technology. Through these capacity building and exposure interventions, KMBI aimed at seeing our clients operating better businesses in the future.

Better PeopleBy giving weight on values formation we build our clients’ CHARACTER. We introduce them to Christ’s teachings in the hope that we can bring transformation in the lives of our clients. Values formation intervention is embedded in all activities particularly during skills training, business coaching and mentoring to help clients be more responsible, mature and sociable individuals.

Together we can do better


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Financial & Operational Performance

Despite the challenges, 2012 has been a good year for KMBI both in the financial and operational aspects. This year’s performance is attributed to the new strategies implemented in the Group Loan program and the enhancement of

internal systems to deliver more value and relevance to its growing client base. Below are the summary of this year’s financial and operational performances:

COMPARATIVE PERFORMANCE ANALYSIS

INDICATORS 2012 2011 INCREASE(DECREASE)

Client Outreach 218,800 266,236 (47,436)Portfolio at risk (%) 8.12% 14.17% (6.05%)

No. of Branches 71 71No. of Centers 8,214 8,659 (445)No. of Program

Assistants815 887 (72)

Total no. of Staff 1231 1335 (104)

Comparative Performance Analysis 15

Financial Ratios 2012 2011Current Ratio 2.09 1.83

Debt to Equity Ratio 0.85 1.37

CBU to Loan Outstanding Ratio 61% 63%

LR to Total Assets 63% 70%Operational Self-Sufficiency 121.14% 100.17%Financial Self-Sufficiency 117.55% 98.49%


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YEAR END HIGHLIGHTS

2012 was an exciting year of record performance. KMBI‘s success was driven by continuous innovation of its products and services, and genuine passion to help the poor.

Product InnovationAfter extensive studies and consultation, KMBI piloted the enhanced Group Loan Product (GLP) in Capas, National Capital Region (NCR), Lipa and Naga. Enhanced GLP enabled clients to loan a maximum amount of Php50,000 based on Credit Worthiness Evaluation or CWE.

Capacity BuildingKMBI strives to ensure significant value-added assistance through capacity development. During the entire year, 1,703 staff and 1,408 clients participated in different trainings and seminars such as Basic Marketing, Costing and Pricing, Financial Literacy, Basic Recordkeeping, and Basic Entrepreneurship. The training caravan was made possible in partnership with Local Government Units, Department of Trade and Industry XI and Central, Isabela Livelihood Training Cooperative, and Planet Finance. Apart from the training caravan, KMBI also hosted the 2012 APPEND Summer Camp, a Leadership Enhancement Camp, attended by board members and staff from different microfinance institution in the Philippines.

Networking and LinkagingClient participation in the International Conference on the Development and Delivery of Financial Education to Rural Microfinance Clients gained further momentum in 2012. KMBI also offered its clients significant experience from joining several trade fairs i.e. Kadayawan Trade Fair, Bicol Microfinance Council Trade Fair, and Buy Pinoy Exporter’s Fair. Further, on the second and final year of the tripartite partnership of KMBI with Microfinance Counsel of the Phils. (MCPI) and Planet Finance to enhance capacity, capability and outreach through the promotion of innovation, transparency and increased outreach to the poor, KMBI received technical assistance for both clients and staff on financial education, supply and demand study for agri-microfinance, and social performance management.

Culture-BuildingA culture-building campaign dubbed as Masaya Dito sa KMBI!!! (MDSK) was launched in 2012 aimed at seeing and making everyone in KMBI happy in their involvement in facilitating holistic transformation, either as trustees or staff or clients. The campaign imbibes, explore and nurture the concept of fulfillment and

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YEAR END HIGHLIGHTS

happiness one gets while working for KMBI. MDSK Campaign was highlighted by two contests launched this year, the Photo and Jingle Making contests aimed to increase the level of satisfaction and commitment of KMBI staff by sharing their “masaya” experience.

Quality Management SystemTUV Rheinland Philippines continually recognized KMBI’s commitment to provide excellent service as they awarded the renewal of its ISO 9001:2008 Certificate. TUV Rheinlad Philippines conducted thorough audit covering the organization’s operations and other processes to ensure quality service.

Strategic DirectionsThe Board of Trustees approved four new Strategic Directions for 2013-2017. The new phase will serve as KMBI’s roadmap for the next five years with the

goal of reaching out further to those under the poverty line and fulfilling its social mission.

Customer Relation ManagementAs the organization strive to improve customer satisfaction, Customer Feedback System or better known as Feedbox was launched and piloted in 2012 as venue to capture customer feedback on KMBI’s products and services. The implementation of Feedbox corresponds to KMBI’s tangible action in observing the Client Protection Principles.

System AutomationKMBI Integrated Information System or KIIS, a computer-based system used for information processing, started in 2012 to automatically organize the profiling and reporting system of the organization and enabling information to be virtually available for faster communication. The system includes four major system i.e. Micro Finance (MF) System, Accounting System, Human Resources Information System (HRIS), and Customer Relation Management (CRM) which includes Social Performance Management (SPM).

YEAR END HIGHLIGHTS

Year End Highlights 17


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KMBI took bold decisions and giant leaps in 2012. With the tireless effort and commitment of the 1,231 staff, KMBI emerged on top its game.

Group Loan Program Review and EnhancementThe enhanced group loan product allowed clients to loan a maximum amount of P50,000 depending on their business needs. The program is now being piloted in Capas, National Capital Region (NCR), Lipa, and Naga branches. Further, Credit Worthiness Evaluation or CWE was also implemented that enable branches to evaluate prospective clients and provide bigger loan amount.

Values FormationAs KMBI value the sacrament of marriage in the family, 142 unmarried couples were able to benefit from the Mass Weddings conducted in 27 KMBI branches with a total investment of P0.248M. On the other hand, to introduce clients in the teaching of Christ, 10,474 copies of Bible were distributed to staff and clients.

YEAR IN REVIEW


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Year in Review 19

Disaster Preparedness and Response ManagementAn effective Disaster Preparedness and Response Management (DPRM) program enabled KMBI to extend assistance to 8,566 families nationwide. For 2012, a total of 1.24 Million was invested for DPRM that provided assistance to those clients that have been greatly affected by natural disasters such as typhoons and fire.

Scholarship GrantsKMBI believes that education is one of the best tools to get people out of poverty. In partnership with APPEND, Knowledge for Inspiring Leadership (KILOS) program provided scholarship grants to deserving children of clients. KILOS produced 12 graduates and 7 scholars, while the Adopt a Family (AFP) program is currently sponsoring 10 students.

InsuranceTo improve the existing insurance services, KMBI partnered with PinoyAko to provide viable life insurance for the program members. Aside from parents, spouse and children, program members under PinoyAko now have the option to insure their siblings.

Community DevelopmentKMBI is committed to strengthen and develop communities through its community development program. In Naga, Camarines Sur, a total P0.84M were invested for purchase of hogs and goats that benefitted 41 families in Brgy. Carolina. For the Community Based Enterprise Development Program (CBED) of Koronadal, a total of 105 beneficiaries have received help through livelihood interventions with a total of P0.10M invested amount.

YEAR IN REVIEW

20 2012 ANNUAL REPORT20 2012 ANNUAL REPORT

BOARD OF TRUSTEES

DAVID D. GUTIERREZVice Chairman & Vice President

ATTY. ROMEL R. BAGARESTrustee & Corporate Secretary

DR. AMELIA L. GONZALESTrustee & Corporate Treasurer

BISHOP JOSE D. DALINOTrustee

EMMANUEL M. DE GUZMAN Trustee

DR. AGUSTIN B. VENCER, JR.Trustee

DAMIANA D. EXIOMOChairman & President

Messages 21

BOARD OF TRUSTEES DIRECTORS

MADELYN P. FRIJILLANOActing Deputy Executive Director

for Management Services

LIZA D. ECOActing Executive Director

ANNALIE D. CONCEPCIONAdministration Director

HAZEL CHRISTINE R. BAYACAActing Research & Dev’t. Director

FAY LORRAINE C. AMODIAActing Operations Director

South Luzon Operations

GRACE D. BAUTISTAActing Operations Director

North Luzon Operations

RHANY P. BARRERAActing Operations Director

Visayas & Mindanao Operations

RIZALDY R. DUQUEActing Deputy Executive Director

for Operations

Directors 21


LEADERSHIP TEAM

MA. BELEN M. SISONOIC, Entrepreneurship

Develoment Services Dept.

REGINOLD D. DELOS REYESOIC, Corp. Planning & Project Management.

MARY GRACE M. BURGOS OIC, Human Resource & Develoment Dept.

JOFEL P. GANDEZAOIC, IT Dept

MARISSA M. DELA ROSAOIC, Resource Mobilization

& Communications Dept.

CONCEPCION B. PARANTAROIC, Tranformation Dept.

MAYLANIE D. APAWANOIC, Legal Dept.

HARRY D. DALANONOIC, Audit Dept.

MACARIO D. DE CASTROQuality Management Representative

Quality Management Dept.

Messages 23Partners 23

PARTNERS AND AFFILIATIONS• Agricultural Credit and Policy Council• Alalay sa Kaunlaran, Inc.• Alliance of Philippine Partners in Enterprise

Development• Asia Pacific Rural and Agricultural Credit

Association• APRACA Center for Training & Research for

Agricultural Banking• Banco De Oro Unibank Inc.• Bank of the Philippine Islands• BPI Foundation• Banking with the Poor• Bicol Microfinance Council, Inc.• Card Bank• Card NGO• Center for Small Entrepreneurs• Central Luzon Association of Microfinance• China Banking Corporation• Cocolife Insurance Corp.• Country Bankers Life Insurance Corporation• DaansaPag-unlad, Inc.• Department of Social Welfare and Development• Department of Trade and Industry• Development Bank of the Philippines• Globe Bridging Communities• Hagdan sa Pag-uswag Foundation, Inc.• Haribon Foundation• Katuwang Resource Cooperative Inc.• Land Bank of the Philippines• Land Bank Countryside Development

Foundation, Inc.• City of Koronadal• Micah Challenge• Microcredit Summit Campaign• Microfinance Challenge• Microfinance Council of the Philippines, Inc.• Microfinance Council For Region 1 and CAR

• Microfinance Management Institute• Mindanao Microfinance Council• Opportunity Kauswagan Bank• Opportunity International Network• Opportunity International - Deutchsland• People’s Alternative Livelihood Foundation of

Sorsogon, Inc.• People’s Credit and Finance Corporation• Philippine Christian University• Philippine Council for NGO Certification• PinoyME Foundation• Planet Finance• Planters Development Bank• Punla Foundation, Inc.• Rangtay sa Pagrang-ay, Inc.• Talete King Panluyong Kapampangan, Inc.• Taytay sa Kauswagan, Inc.• Technical Education and Skill Development

Authority• TSPI Development Corporation• United Coconut Planters Bank• Visayas Association of Microfinance Institution• Wholistic Transformation Resource Center


CALABARZON 3BATANGAS2nd Floor JPA AMA Building, Barangay 10 P. Burgos Street, Batangas CityTelefax No. (043) 723-5325

LIPA2/F Big Ben Complex, J.P. Laurel Hi-way, Mataas na Lupa, Lipa City, BatangasTelefax No. (043) 455-3168

BALAYAN2nd Flr.,CLN Bldg. located at the Fe St. Brgy. 12 Balayan, BatangasTelefax No. (043) 211-6648

PINAMALAYAN2/F Cupiado Building, Madrid BoulevardZone II Pinamalayan, Oriental MindoroTelefax No. (043) 284-4450

BICOLNAGA2/F Thomas Enrile Building, Penefrancia Avenue, Naga City, Camarines SurTelefax No. (054)472-2761

DAET2nd Floor, LACSON Building, Governor Panotes Avenue, Barangay 8, Daet Camarines NorteTelefax No. (054) 440-7788

LEGAZPI2/F Rosario Salavador Building, Rizal Street, Legazpi City, AlbayTelefax No. (052) 481-3441

IRIGALT Building, Lot 2-A, Gonzales St., San Francisco, Iriga CityTelefax No. (054) 456-6012

VISAYAS OPERATIONS

CEBUCEBU SOUTH2/F Rufina Arcade, South Expressway, Barangay Mambaling, Cebu CityTelefax No. (032) 266-1688

MANDAUE4th Floor, COTIAOKING Building, along Cebu North Road, Basak, Mandaue CityTelefax No. (032) 238-4604

LAPU-LAPU2/F J.Y. Building, Patalinhug, BasakLapuLapu City, CebuTelefax No. (032) 505-4290

CEBU NORTH4/F Martinez Building, Osmena Boulevard Street, Cebu CityTelefax No. (032) 266-1690

LEYMARBOTACLOBAN4/F Dynasty Square, Zamora Street, Barangay 17, Tacloban City, LeyteTelefax No. (053) 321-4679

ORMOCA Mall Building, Rizal Street, Ormoc City, LeyteTelefax No. (053) 255-7705

TAGBILARAN UNIT3/F QVC Business Plaza Corporation, CPG North Avenue, Tagbilaran City/ Bohol 6300Telefax No. (038) 412-0628

NEGROSBACOLOD3/F VSB Building, 6th and 7th Street, Lacson Avenue, Bacolod City, Negros OccidentalTelefax No. (034) 434-2577

SILAY3/F Pollantes Building, Rizal Street, Barangay IV, Silay City, Negros OccidentalTelefax No. (034) 495-3660

KABANKALANG/F POS Marketing Building, corner Guanzon & Lirazan Streets, Kabankalan City, Negros Occidental Telefax No. (034) 471-3313

ROXAS2/F Hernandez Building, Roxas AvenueRoxas City, CapizTelefax No. (036) 632-0990

DIRECTORYMINDANAO OPERATIONS

SOCKSARGENGENERAL SANTOS 1G/F Door 1 & 2 Aquino Building, J. Catolico Avenue, General Santos City, South CotabatoTelefax No. (083) 552-0686

GENERAL SANTOS 23/F Panlaqui Building, Papaya Street, Bgy. Dadiangas West, General Santos CityTelefax No. (083) 552-0687

TACURONG2/F Bernardo General Ramon Magsaysay Avenue, Tacurong City, Sultan KudaratTelefax No. (064) 477-0099

KORONADAL2/F Del Rosario Building, General Santos Drive corner Aquino Street, Koronadal South CotabatoTelefax No. (083) 520-0280

DAVAOMETRO DAVAO 12/F VAB Building, Mac Arthur Hi-way Ulas, Davao CityTelefax No. (082) 297-4518

METRO DAVAO 2Unit 2 & 3, 3rd Floor UCPB BuildingBusiness Center, San Pedro Street, Davao CityTelefax No. (082) 222-4781

DIGOS2/F JMC Building 2, Rizal Avenue Digos, Davao Del SurTelefax No. (082) 272-0973

KIDAPAWAN2/F Prudenciado Building, Jose Abad Santos Street, Kidapawan, North CotabatoTelefax No. (064) 521-0171

CARAGABUTUAN2/F Rudy Tiu Building 3, Montilla Street, Butuan City, Agusan Del NorteTelefax No. (085) 816-2630

SURIGAO2/F Elipe Building, corner Narciso & Kaimo Streets, Surigao City, Surigao Del NorteTelefax No. (086) 826-2442

TAGUM2/F Door 12-A, Suarez Plaza, corner Sobrecary&Mabini Streets, Tagum City, Davao Del NorteTelefax No. (084) 216-3292

SAN FRANCISCO2/F Gift Gallery Barangay, I Bravo Compound, San Francisco, Aguasan Del SurTelefax No. (085) 839-3348

Messages 25Directory 25

DIRECTORYNORTH LUZON OPERATIONS

NORTH LUZON WEST AREASAN CARLOS2/F Rosario Building (SYM Motors) Rizal Street, San Carlos City, PangasinanTelefax No. (075) 634-1785

URDANETA3rd Floor, J. Sua Plaza Building, Alexander Street, Urdaneta CityTelefax No. (075) 529-3136

DAGUPAN3rd Floor, Assada Square Building, A.B. Fernandez Avenue, Dagupan City, PangasinanTelefax No. (075) 522-6830

SAN FERNANDO, LUG/F Kenny Plaza Building, Quezon AvenueSan Fernando City La UnionTelefax No. (072) 607-1250

NORTH LUZON EAST TUGUEGARAO3/F Adrian Lao To Building, 145 Bonifacio Street, Barangay Centro 1, Tuguegarao City, CagayanTelefax No. (078) 304-0494

SANTIAGO3/F 17 City Road, Calao East Santiago City, IsabelaTelefax No. (078) 305-1072

CAUAYAN3/F Room 303, CLU Building, National Highway,Cauyan City, IsabelaTelefax No. (078) 652-3910

LAOAGG/F Hernandez Building, Barangay 5, J.P. Rizal Street, corner CA Samonte Street, Laoag City, Ilocos NorteTelefax No. (077) 771-4727

CENTRAL LUZONTARLACBlock 5, Que Building, San Nicolas, Tarlac CityTelefax No. (045) 491-4842

CAPAS2/F 573 Lanzangan Building, Sto. Domingo II, CapasTarlacTelefax No. (045) 491-3607

GAPANUnit 301 3/F TSI Building, Bucana, Sto. Niño Street, Gapan CityTelefax No. (044) 486-7809

TALAVERA2/F, Pecache Building, Marcos District, Talavera, Nueva EcijaTelefax No. (044) 411-0848

PAMPANGAANGELES2/F Cano Building, Plaridel Street, Angeles CityTelefax No. (045) 888-1396

GUAGUA3/F One Crowne Plaza, Plaza Burgos Guagua, PampangaTelefax No. (045) 901-1205

MABALACAT2/F Explorer Bookstore Building, #11227 Mac Arthur Hi-Way Dau, Mabalacat, PampangaTelefax No. (045) 892-1296

OLONGAPOG/F Rementilla Building,1630 Rizal Avenue, East Tapinac, Olongapo CityTelefax Nos. (047) 611-0477

NATIONAL CAPITAL REGION OPERATIONS

BULACANMEYCAUAYAN2/F Mancon Building, Mc Arthur Hi-Way Meycauyan, BulacanTelefax: (044) 815-3960

BALIUAG3/F Writ Building, 1733 Ano Street, corner Roberto Chico Street, Baliuag, BulacanTelefax No. (044) 761-1958

MALOLOS UNIT1215 Mc Arthur Highway, Sumapang Matanda, Malolos CityTelefax No.: (044) 796-0390

VALENZUELA3/F JEM Building, Maysan Road, corner P. Gomez Street, Maysan Road, Valenzuela CityTelefax No.: (02) 442-4940

NCR NORTHNOVALICHES3/F Room 306-309, Our Lady of Mercy Building, #970 Quirino Hi-Way corner Ramirez Street, Novaliches, Quezon CityTelefax No: (02) 355-7244

SAN JOSE DEL MONTE2/F Umerez Building, Tungko San Jose Del Monte City, BulacanTelefax No. (044) 815-0076

TANDANG SORA2/F Units 201-203 D&B Royal Midway Plaza 419 Tandang Sora Avenue, Culiat, Quezon CityTelefax No. (02) 952-4210

WEST AVENUE3/F Unit F Carbal Building, No. 68 West Avenue, Quezon CityTelefax No. (02) 441-2363

NCR SOUTHMETRO MANILA SOUTH 13/F Trim Building, # 2755 Taft Avenue Pasay CityTelefax No. (02) 846-1304

METRO MANILA SOUTH 22/F Unit E & F, Permarc Building, 8124 Drive, A. Santos Avenue, Sucat, Paranaque CityTelefax No. (02) 846-6885

PASIG3/F RN Building, No. 17 Shaw Boulevard, Pasig CityTelefax No. (053) 477-7598

BINAN178 Bonifacio Street, Canlalay, Biñan, LagunaTelefax No. (049) 411-5958

RIZALMARIKINA2nd Floor, EMH Building II, Shoe Avenue, Santa Elena, Marikina CityTelefax No. (02) 584-6870

ANTIPOLO2/F E and F Building, M.L. Quezon Street, Antipolo City, RizalTelefax No. (02) 584-7179

BINANGONAN2/F LA Plaza Building, Rizal Street corner P. Gomez Street, Poblacion, Binangonan, RizalTelefax No. (02) 369-0259

ANGONO3/F Aurora Building, Quezon Avenue, Brgy. San Isidro, Angono, RizalTelefax No. (02) 295-2802

SOUTHERN LUZON OPERATIONS

CALABARZON 1CALAMBA3/F Sajitec Building, Crossing Calamba, LagunaTelefax No. (049) 502-7242

LOWER CAVITEG/F Huat Building, General Trias Drive, Rosario, CaviteTelefax No. (046) 438-1128

UPPER CAVITE3/F Reclaine Building, Aguinaldo Hi-Way, Sampaloc 1, Zone II, Dasmarinas, CaviteTelefax No. (046) 852-3273

CENTRAL CAVITE3/F Lolo Berong Building, Nueno Avenue Imus, CaviteTelefax No. (046) 472-2251

CALABARZON 2SAN PABLO3/F Jaojoco Building, Burgos Street San Pablo City, LagunaTelefax No. (049) 562-1308

STA. CRUZ2/F ASL Building, P. Guevarra Street Poblacion III, Sta. Cruz, LagunaTelefax No. (049) 501-6674

GUMACA UnitAguila Building, National Hi-way Peñafrancia, Gumaca, QuezonTelefax No. (042) 317-7465

LUCENA3/F HR Building, Quezon Avenue, corner Gomez Street, Lucena City, QuezonTelefax No. (042) 710-8775


1. Reach out to 314,000 clients, including microentrepreneurs, low-income farmers and fisher folk, OFWs and their families, families of clients, and the poorest of the poor.

2. Deliver holistic microfinance (financial and non-financial services) and community development (financial and non-financial services) to its target clients.

3. Improve portfolio quality, strengthen operational performance and ensure financial sustainability.

4. Facilitate the economic, psychosocial and spiritual development of the program members.

2013 - 2017 KMBI’s Four Strategic

Directions:

KABALIKAT PARA SA MAUNLAD NA BUHAY, INC.

12 San Francisco St., Karuhatan, ValenzuelaTel. Nos. (+632) 291.1484 to 86

Fax No. (632) 292.2441website: http://www.kmbi.org.ph

Documents

Annual report 2012