LEC rotation january 17 28, 2011

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Outline

I. Calendar of activities II. Journal of day to day activities and output III. Sagip Kapwa Financial Analysis IV. Audit Report V. Philhealth Status VI. Operations Workflow Revisions

a. Field Trip to Card Inc b. Operations Audit c. A day as Sagip Kapwa Volunteers d. Implementation of Revised Monitoring System e. Other Recommendations

VII. Fund-raising activities a. Short-term b. Long-term

VIII. Appendix a. Solicitation letter for the Raffle Event b. Solicitation letter for Sagip Kapwa sponsors c. Information Brochure about Sagip Kapwa

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I. I. Operation Workflow On the second day of the two-week rotation, the group, together with three officers from Sagip Kapwa, had the chance to visit Card MRI, a non-profit organization that acts as a support group for other microfinance organization. Its objective is to be a formal banking institution at the service of the poor, mainly landless rural women, lending them money to develop small-income-generating activities. This capital will serve either start-up businesses or expand existing businesses. The whole group along with Dr. Allan Evangelista went to observe their operations and got some insight on what different aspects of their organization might be applicable to Sagip Kapwa. The details of the field trip and the feedback from the Sagip Kapwa officers are in the additional sheets provided. After incorporating Sagip Kapwa officers’ inputs after the field trip in Card MRI, the entire team devised a couple of recommendations to revise the operations during collection. The group replaced the Sagip Kapwa officers’ during one collection day to fully understand how the collection was being done. Time analysis was also done, along with observations of the actual collection to serve as baseline to ensure that the changes will be an improvement rather than a setback to the operations. Feedback from the officers was always incorporated in every change that was made to ensure that there would be less resistance to change. Details on the workflow revisions are in the additional sheets provided.

II. II. Short-term and long-term fundraising activities To address short-term financial sustainability, the group, together with the Sagip Kapwa team, initiated the preparations for the Raffle event. Mechanics, prizes, and other operations were discussed. To address long-term financial sustainability, the solicitation letters and informative brochure were finalized to be presented to probable sponsors in the future. Details on the project proposal and the solicitation letter and brochure are in the additional sheets provided. /@@82:0B8&W&'AF?8XA81B&!>B:+1&3+:1B?I&

- To prepare for the final draw of the Raffle Event on April 1, 2011 - To update the operational revisions done and to fully incorporate the revised monitoring forms into the

system - To update the status of the solicitations using the solicitation letters and brochure

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To create a monitoring system for # of paid loans

I. Field trip to a support group for microfinance organizations (Card MRI, Inc) II. Development of revised forms for financial monitoring (manual) III. Revision of operation workflow during collection period

I. The group arranged a field trip in Card MRI, Inc. a non-profit organization who acts as a support group for microfinance organizations. Together with three officers from Sagip Kapwa, the group visited one of the collection days of an assigned microfinance organization and observed their operations. Feedback session with the Sagip Kapwa officers were done to process what observations they think are applicable for Sagip Kapwa’s development. II. The Sagip Kapwa officers updated the group regarding the revised monitoring forms that was being used during December 2010. Their feedback was essential for further development of the forms and fully incorporating it into the operations and monitoring of their financial status. Part of the monitoring is also auditing the ledgers of 2010. III. After incorporating Sagip Kapwa officers’ inputs after the field trip in Card MRI, the entire team devised a couple of recommendations to revise the operations during collection. The group replaced the Sagip Kapwa officers’ during one collection day to fully understand how the collection was being done. Time analysis was also done, along with observations of the actual collection to serve as baseline to ensure that the changes will be an improvement

A quarterly audit and a monthly financial report using the monitoring forms will ensure less errors and periodic update of the financial status of Sagip Kapwa. Operational changes are still open for discussion after a few weeks of its implementation.

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rather than a setback to the operations. Feedback from the officers was always incorporated in every change that was made to ensure that there would be less resistance to change.

To create other sources of income:

o Short-term fundraising activity

o Solicitation letter and brochure

I. Preparation for Raffle event to address short-term financial sustainability II. Preparation of materials for the writing of solicitation letter for the raffle and for long-term use and informative brochure regarding Sagip Kapwa

I. To address short-term financial sustainability, the group, together with the Sagip Kapwa team, initiated the preparations for the Raffle event. Mechanics, prizes, and other operations were discussed. II. To address long-term financial sustainability, the group together with the Sagip Kapwa team, finalized the solicitation letters and informative brochure to be presented to probable sponsors in the future.

The final draw will be done on the last LEC day, which is on April 1, 2011. This will also be a culminating activity of the group together with the Sagip Kapwa community. List of sponsors will be discussed and finalized with the Sagip Kapwa team. Updates on the solicitation using the updated solicitation letters and brochures will also be discussed.

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Kathlene Marie A. Barcelona Cristal Ann G. Laquindanum Mariel Angelou Parulan Russell Rivera Conrad Josef Villafuerte !

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Monday Tuesday Wednesday Thursday Friday Saturday Sunday

17 18 19 20 21 22 23

! Fundraiser Final planning ! Meet with

preceptor

! Audit ing of ledgers for 2010

! Volunteer-for-the-day

! Mapping out of operation workflow during col lection

! Feedback/processing

! Preceptor visit ! Field tr ip to a

microfinance organization in QC (set-up by Hapinoy)

! Meeting with Sagip Kapwa off icers for the Raff le event

! Assigned committees for the Raff le event

! Feedback/processing of the Field tr ip


! Raffle updates with Sagip Kapwa members

! Invitation design f inal ized

! Observation and t ime analysis of operation workflow of the Sagip Kapwa off icers during col lection

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! Detai ls for the raff le event f inal ized

! Brochure design and sol icitat ion letters for the long-term fundraiser f inal ized

! Feedback and processing of t ime analysis and operation workflow during col lection

! Recommendations on the workflow were made

24 25 26 27 28 29 30

! Updates with Father Eugene and the off icers of Sagip Kapwa

! Presentation of fundraiser plan

! Monitoring form revisions

! Recommendations for operations

! Long term financial sustainabil i ty plan discussed

! Updates on the raff le event

! Implementation of revised monitoring system

! Implementation of recommendations for operations

! Revised operations workflow done and recommendations were made

! Preceptor visit ! Continuation of

updates with Father Eugene

! Preparation day For Pre-raff le and raff le event o Update on Raff le

sponsors o Raffle t icket print-

out ! Implementation of new

recommendations for the operation workflow

! Synthesis with preceptor


! Audit report was f inal ized

! Final preparations for the pre-raff le event

! Special General Assembly

o Sagip Kapwa updates

o Mechanics for the raff le were announces

LEC Rotation Jan17-28

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January 18, 2011 I. Audit

• Total number of audited folders: 117 • Total number of folders with errors: 37 • Percentage Error: 31.62%

LOAN (inPhP)

SAVINGS (inPhP)

Deficit 2,250 280 Excess 1,977 903 Difference 273

(Deficit) 623

(Excess) Total Error 4,227 1,183 Combined Error 5,410

II. A Day as Sagip Kapwa Volunteers

a. Ledgers i. Cristal Laquindaum ii. Russ Rivera iii. CJ Villafuerte

b. Receipt issuance i. Rian Parulan

c. Cashier i. Kats Barcelona

Sagip-Kapwa Process Waiting Line Flowchart

a. Bottleneck Areas: ii. Receipt Issuance and Cashier

LEC Sagip Kapwa Daily Activities and Output January 17 to 28, 2011

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January 19, 2011 I . F ie ld tr ip to Card, Inc

• Group was divided into four and visited the areas where the account officers go every week

• Unit manager: Michael Baculo, Cubao Unit • Center meeting is at 7:30 AM • Each center (minimum of 10 members, maximum of 40 members) has a treasurer,

center chief, and secretary. Each week they do their collections and they remit to their assigned account officers

• Before the session meeting begins, the center’s officers already have started with the collection. Each session has an opening prayer lead by an assigned member. Oath of the members and Card Inc. are stated by the members and the account officer and the Card Inc’s hymn is sung by everyone. Then, the previous meeting’s minutes is read by an assigned member, if there are not changes or clarifications, it will be finalized or approved by two members of the center. A short health education is conducted by the account officer which the members should be actively participating in. Before ending the meeting, a tally of the day’s collection is done and double-checked with the attendance. The money is wrapped by the account officer and will be given to a member for safekeeping until they will hand it over to Card Inc.’s office in Cubao.

• Forms: o Member’s ledger o Center Attendance book o Collection sheet

• Other details during the meeting: o No membership fee, no processing fee, no passbook fee o Collection is once a week o 14.72% interest in 3-7 weeks o Educational loan

! 18% interest ! member must have at least 1 year membership with good performance ! 3 to 12 months to pay ! Elementary: PhP1,500-3,000 ! High School: PhP1,500-PhP5,000 ! College: PhP1,500-10,000

o Housing Repair Loan ! PhP 10,000; 18% per annum ! member must have at least 3 years membership with good performance ! member must have at least 90% attendance rate ! loan can only be granted if it will be used in the near future ! 3 to 12 months to pay

o Philhealth and Philcare Health insurance ! Philhealth is PhP30/weekly ! Philcare is Php1,800 per annum to be paid in advance by Card Inc., member

will pay Php45/weekly

I I . Meeting with Sagip Kapwa Off icers Time started: 10:00 AM Attendees: Kathlene Barcelona, Cristal Laquindanum, Mariel Parulan, Russ Rivera, CJ Villafuerte, Neneth Frondoza, Maya, Clarisse


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A. Sagip Kapwa Pre-Raff le Party Objective:Create a springboard event that will introduce the fund-raising raffle event to the community

Methodology: • Organize a simple event to launch the raffle project • Program to hold singing and dance numbers • Sing/duet with one of the members/volunteer • Dance number by Sagip-Kapwa kiddies • Introduce the raffle project = P 20, P 10 • Games • Honorable guests (to help in public relations of the org, especially with local

barangay) • Food will be served (expenses shared bet SK and LEC grp 10) • Gather funds for prizes in the raffle:

o 1st P 5,000 = (1000 cash + sack of rice + 2000 grocery) o 2nd P 3,000 = (700 cash + half sack rice + 1500 grocery) o 3rd P 1,700 = (500 cash + electric fan (700) + 500 grocery) o Consolation Prizes

- consolation 1 = 300 grocery bag (x 7) ! 3000 - consolation 2 = 700 electric fan (x 5) ! 3500 - consolation 3 = 400 flat iron (x 3) ! 1200

o TOTAL = 17,400 • other mechanics:

o 5% commission for top 5 sales = max of 500 tickets = P 500 = TOTAL = P2,500

o raffle tickets will be sold at a discounted price of P 10 from P 20 on the night of the event

o raffle draw will be held on March for which another gathering/party will be held. • Projected sales = 2,000 tickets for Php 20 each

Materia ls needed • Sound system • Food • Game materials

• Prizes for games • Raffle tickets

Committee • Program – CJ & Ate Clarisse • Food – RIAN &Ate Maya • Raffle committee – RIAN & Ate Neneth

Schedule:Basketball court/Church, 6:30 pm - 8:00pm, January 28, 2011

Project ions

• Expenses: o raffle prizes = P 17,400 o top 5 with 5% commission = P 2,500 o raffle ticket printing = P 1,500 o party for food night = P 2000 o TOTAL = 23,100

• Gross income: P 40,000 • Funds raised: P 16,900


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B. Sagip Kapwa Raffle Night

• Objective: Fund raising project that will contribute to the organization’s pool of funds which the organization can self-sufficiently organize, by themselves without the help of LEC group.

• Methodology:

• Printing of raffle ticket (100 tickets per bundle) • Pre-selling for raffle

o P 10 to be sold during pre-raffle night • Actual selling period for raffle

o Each member sells a minimum of 100 tickets (P3,000) starting January 29 until march 31.

• Raffle night o Draw for prize winners o Awarding of active member with most highest sales

• Materials: o Raffle tickets o Simple merienda

• Committee:

o Finance ! To come up with sponsors who will donate the prizes

o Marketing ! To make sure members are selling until march ! Update on members who have tickets

o Logistics ! To arrange raffle night and program

• Schedule: Apr 2-3 2011, 6:00 pm, basketball court • Projections: (refer to pre-raffle night project proposal)

C. Feedback on the f ie ld tr ip

• Their process was very fast but it’s done all at the same time • It’s very structured because they already know who will pay that day and how much

they’ll pay. The problem is, in Sagip Kapwa, people come as they please so it is impossible to know who will come per day.

• Their payment is already in big amounts because it is collected weekly but in Sagip Kapwa, their money is collected daily and in whatever amount.

• Their interest is very high, compared to Sagip Kapwa which is just 3% • It is an advantage that they have Philcare, which is applicable for OPD also. This is

what Sagip Kapwa really aim for. • There are no penalty fees in Sagip Kapwa compared to theirs which has penalty in even

the smallest things (ie. Not bring their ID to the meeting, being late in the meeting, etc) • Their loans are categorized into educational, repair loan, etc. vis a vis Sagip Kapwa

which is not categorized. • It is also an advantage that they have an education part (CWE) but in SK cathechism is

alsto taught and there is also bible sharing. • It is also admirable that they have that they have songs and oath every meeting. • Sagip Kapwa also doesn’t have ID, only T-shirts for the officers • Minutes also are very structured. • Prayers – SK prayer but not done everyday • Vocal confirmation of withdrawal is also their advantage


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• Recommendation #1: o At the end of the day, folders are stack up with the cashier. During the

accounting of cashier and receipt, ledger people will now audit, oral confirmation of the amount of deposit and savings

! However, this takes up time and it is an additional step • Recommendation #2:

o Plastic container for the receipt will not count money anymore, 2nd count will be the cashier

• Recommendation 3: o Forms are inserted in the middle of ledger and receipt, counterchecks

the previous and new entry plus entry in the forms. No counting from forms and receipt. Money counting only done by ledger and cashier

• Recommendation #4: o Steps are indicated in the ledger plus reminders to check the name, etc


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January 20, 2011 I. Audit • Total number of audited folders: 150 (active: 93, delinquent: 57) • Total number of folders with errors: 11(active: 8, delinquent: 3) • Percentage Error: 7.3%

ACTIVE LOAN

(inPhP) SAVINGS (inPhP)

Deficit 0 10 Excess 5 431 Difference 5

(excess) 421

(Excess) Total Error 5 441 Combined Error 446

II. Observation of Sagip-Kapwa volunteers • The manner and speed (~5 minutes per customer) by which they do things speak a lot about

the how long they have been doing this system and the level of expertise they have achieved

• Bottle neck still remains at the receipt issuance station, despite average time of ~50 seconds for the receipt offer to finish processing one transaction. And this bottleneck is further aggravated if there are a lot of people arriving all ath the same time

• Another step that prolongs the whole process is when they look for the file/ledger of the members in the file cabinet.

• There is still the problem of accountability when data is inputted in the ledgers. The ledger officers are technically tasked to sign their names at the end, but this is not being done.

• The ledger forms are not really followed. Savings are placed in loans and loans are placed in savings

• Money and the tendency to fly and the coins to fall to the ground

Recommendations: • Daily schedules for when people could show up. This is to decrease bottle neck at the

receipt station • There should be separate ledger forms for loans and savings. smaller so that it can be

placed in a small notebook • Conduct a volunteer workshop to remind them of proper data inputting and identify probable

poke-yokes • Address the money inside the folder. Perhaps it could be placed in a more confined small

container basket? Plastic?


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III. Raffle event updates • Name of event

o Pre-raffle party: Party bag magpasagipremyo o Raffle: Sagipapremyo Raffle Project!

• Ticket design

• Invitation design


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January 21, 2011

General Meeting (LEC group) • Details for the raffle were finalized

o Program was updated and completed o Prizes for the raffle were settled o Samples of the tickets drafted and printed

• Operations for the organization was discussed and suggestions were made o Observations

• Filing does not have a system which makes it easy to alphabetize and sort for it to be easily retrieved

• Folders are not that sturdy and are easily torn • Ledgers are not filled up accordingly • Not that legible handwriting, sometimes they put the withdrawal in the deposit

column and vise versa • Volunteers know member’s name and do not need to ask once they arrive • No double checking of arithmetic in ledgers • Each person is not fully utilized and that there is a lot of idle time since there

are three of them in one station • Money is just placed in the folder even if it were all coins so it would again be

disarranged and sometimes money would get misplaced • Once passed to Ate Maya sometimes it would not be in order so sometimes

the folder which arrived first was placed in the bottom so it would be processed last

• Ate Maya would again count the money and double check the ledger • Since there are three persons to do the ledger, most folders would pile up at

Ate Maya’s station • Ate Isabel would again count the money

o Recommendations • Remove one person for the ledger station and create another station which

double checks the ledgers work and makes sure that all the forms are appropriately filled up and are correct before it reaches the station of Ate Maya

• Make Ate Maya stop counting the money • Create additional forms so as to double check and create a monthly

summary for each individual • Have plastic bags at the ledger station and put the money there after

counting so once it gets passed, it would be inside one bag inside the envelope

• The manager does not have a monthly summary of each individual account which is tabularized

• Brochure for Sagip Kapwa was revised and made up to date by inputting the different changes and improvements that SK did


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January 24, 2011 Update of Activities with Fr. Eugene

I. Letter Comments • Fr. Eugene pointed out changes for the Raffle letter and Solicitation letter

involving the letter’s content about Sagip Kapwa, semantics, and the figures regarding prizes.

II. Financial Report

• General Situation of 2010 Table o Clarifications on the computation of data in the table were made.

! The 6th column with the heading “Copy” was clearly defined as the total amount of savings in the bank.

! Allowances for volunteers: P5,000 / month but P60,000 per year ! Expenses

• High in December due to patronage refunds o 2010 Patronage Refund Computation: 30% of

P122,015.00 for total patronage refund • 3% Annual Savings Interest

o Max Savings Interest only P50,000 even if savings extend beyond this number

o Data Extrapolation / Explanation / Use: ! Trend of this table show which months in 2010 members had

high savings, withdrawals and loans availed. ! Expenses are also high in June because of Sagip Kapwa

Education Services ! The number and high amount of expenses are the reasons why

Sagip Kapwa Project needs some amount of donation per year • Income & Expenses 2010 Table

o Clarifications on the computation of data were also done. o Errors on computation were found in the table figures. December data

was not added to the total. • Suggested Income Statement

o The group made a simple income statement based on the data of 2010. The objective of the Income Statement is to determine the specific financial situation of the Sagip Kapwa Project

o To improve the income statement the group suggests itemizing the expenses. Father Eugene accepted this suggestion.

! It was clarified that food expenses are not from the Sagip Kapwa funds.

• Father Eugene suggests having a Balance Sheet as well.


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III. Audit Data

• Father and the Volunteers had a short meeting after the 1st day of audit. It was discussed that some members may be open to being talked to about the errors and fixing them.

• In the 2010 Income Statement, from a Net Income of P91,334.16, it would be reduced to P85,488.16 after subtracting the losses calculated from the 2 audit days. Father Eugene agrees with this calculation.

• A question was asked on how to write the corrected errors in the financial statements if some members agree to a compromise. The suggestion was to place payments to miscellaneous income.

IV. Operations Recommendations (discussion left open)

• There are 2 main recommendations by the group. The first is to have 2 volunteers doing the current work of Ate Maya and the second is to have a Ledger Checker before receipt issuance. There were several problems pointed out from these suggestions. One of them involving the tallying at the end of the day.

• It was also pointed out that Ata Clarice would have more work from the suggestions and the added paperwork

• Reverend Purnomo agrees that the suggested plastic bags can work but problems can arise with the receipt issuance. (e.g. What would happen if the receipt was already issued and errors were found)

• Father Eugene and the volunteers want to count money for each step • Another suggestion of placing the receipt issuer and cashier together was turned

down by Father Eugene because he explains that they totally have different jobs

V. SAGIPAPREMYO • The raffle’s objective was explained to Father Eugene and the volunteers was for

short term sustainability • Father wants the activity on Friday as more of a formal General Assembly,

instead of party-like. The partying could be done for the raffle draw date itself. • Prizes were changed as was discussed when the letters were amended. • Father Eugene agrees that the raffle expenses should be minimized as can be. • Tickets:

o Father Eugene wants the ticket bundles to be to have 25 tickets instead of 50

o Ticket design: ! Size – 2.75 inches x 6 inches ! Write in the ticket the sentence: “All proceeds will go to the Sagip

Kapwa Project” ! Design should have a bigger Sagip Kapwa logo ! Do not specify the consolation prizes in the tickets. Just write

“and many other consolation prizes” • Target tickets to sell: 2,500 pieces

VI. January 28, 2010 Program

• Retain the 6:30 pm call time instead of an earlier time because there has never been a GA in the afternoon

• Children of the members are encouraged to come because they can help in selling the tickets

• Remove the games and the volunteers dance number. Add a part for the Ateneo students to inform the members of their activities


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VII. Long term financial sustainability • Brochure

o It was asked how was the revolving fund computed because the data in the brochure was from 3 years ago

January 25, 2011 I. Implementation of revised monitoring system

- This was postponed as of now. The project head feels the hesitation of the manager and some of the volunteers in implementing an additional step (filling up the revised monitoring sheets) within the daily operations. Ate Neneth points out the lack of manpower and piling up of other jobs. The project head proposes to continue talks with the volunteers regarding the implementation of monitoring system and ask for their inputs/suggestions.

II. Implementation of recommendations for operations A. Meet-up at the Xaverian house

- The group met at the Xaverian house to finalize the strategy for operations. - There was a concern raised, if there is really a need to introduce a change,

considering that daily operations work smoothly. - The group decides that small changes can improve operations and translate to less

mistakes and loss for the Sagip Kapwa. B. At the Site

- Strategy implemented o Use of plastic bags (sandwich bags) for handling money deposited to avoid

misplacement along transfer per station o Make the receipt counter stop the counting (Ate Maya) o Make the receipt counter do a ledger check (arithmetic and countersigning of

ledger) before transfer to cashier o Make sure the customer gets the acknowledgement receipt and updated

passbook o First come, first serve. From the ledger counter, processed folders should be

placed below the pile, so that the receipt counter (Ate Maya) will first process the folders of members who arrived first.

o The ledger people and the cashier will count the money.


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- Sagip-Kapwa Process Waiting Line Flowchart (based on new strategies implemented)

Previous flowchart:

Revised Flowchart:

WT- waiting time o The average time for one transaction to be completed is 5 minutes. (as

compared to 6 minutes transaction time based on previous flowchart) o Bottleneck area identified is at the first station, especially when members arrive

all at the same time. The retrieval of folders take up some time as well since the


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retriever still looks through the unarranged stack. Counting of coins take up time as well.

o Waiting time before transfer to receipt/ledger check took up an average of 1 minute only.

o Transaction time for receipt/ledger check only took up an average of 1 minute. Ate Maya did not count the money anymore.

o The cashier transaction time only took up 1 minute

- Other observations: o With the use of plastic bags, there is more ease and order in the transfer of each

folder per station, as no more coins or bills were displaced. o Previous bottleneck area in the receipt/ledger check section was controlled.

Transaction time was lessened to only a minute. o There was no problem in the accounting of money (cashier notebook and receipt

log) at the end of daily operations. o The ledger people were more cautious in counting of money and

recording/countersigning the ledger. o The members should be reminded to bring home their passbook and get the

acknowledgment receipt.

- Other recommendations: o Ate Clarisse will update the monitoring forms weekly or monthly? o Revise the floor plan of operations to be implemented the next day.

PREVIOUS FLOOR PLAN

o there is a large open area for member entry o transfer of folders from ledger to receipt section is not orderly


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PROPOSED FLOOR PLAN o restricted area for member entry o more smooth transfer of folders from ledger to receipt/ledger check section

III. Update on Raffle Printing Ate Elvie gave printing price of 1,800 pesos for 2,500 tickets. January 26, 2011 I. Updates with Father (continuation)

A. Brochure revision with Father Eugene B. Philhealth update - total of 14 active members now availing the Philhealth subsidy C. Field trip to Card Inc. evaluation - father was receptive on the idea of incorporating Philcare into SK’s services - Dr. Evangelista suggested for us to study about Philcare first and make a formal proposal D. Revised new operations - Transaction time was cut down to 1 minute based on observation yesterday - Father said that there is no need for a table for the CIs.

- Dr. Evangelista was curious about the plastic bags. The group explained that simple as it may be, it helped a lot in handling money. - Father and Dr. Evangelista suggested having a meeting again with the volunteers to evaluation the revisions introduced

E. Others - Rian: observed that there was lack of sense of ownership among the members - Dr. Evangelista: this should be opened up to the members

- Dr. Evangelista: the group should tap on the fact that there would be a change in leadership of SK, to ensure continuity


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II. Synthesis with Dr. Allan Evangelista A. Question of Dr. Evangelista: What have you learned in your community work? - CJ: how to introduce change

o It’s in the way of introducing change for them to accept it o It is indeed a challenge to introduce change

- Russ: systems approach o Go to the balcony, based on an outsider’s perspective o Consider ramifications, stakeholders o Learn to work with different kinds of people

- Rian: Everything is a process o There were a lot of suggestions from the group but not all were

accommodated o Things have to take time before they are fully accepted o We don’t really need to affect the organization in a major way immediately.

Small changes count. - Tal: foundation should be good

o Importance of good rapport o As doctors, we tend to solve every problem by ourselves. But then we

should also consider the contribution of our patient/partner organization o We should learn to take things by its context o Sustainability is important.

- Kats: Leveling off between the two parties o Honesty, transparency and respect are important for the partnership to work

- Dr Evangelista: the group as a catalyst B. Other comments - Dr. Evangelista: Involve Ate Neneth in the study about Philcare - Dr. Evangelista: Ate Neneth is an important figure especially since there would be a change in leadership. What will happen to SK when Fr. Eugene leaves? - Dr. Evangelista: Tap lower batch to continue this undertaking - Rian: We were able to use our MBA skills

II. Implementation of new operations

- Father Eugene and Dr. Evangelista were able to observe the new changes in operations.

- The use of the revised monitoring forms is still under discussion. The group is thinking of a weekly or monthly or biannual update of these forms, instead of daily update to lessen the work.

- The revised floor plan was implemented. - The revised work flowchart was implemented again. This time, workflow was

observed to be smoother and more orderly. - Invitations for the special GA on Friday were given out to the members. - Fr. Eugene already reminded the SK kids about their dance/song number on Friday - Ate Neneth:

o Operation was more organized. o The volunteers were more cautious. o At first, the volunteers were worried because they were being timed; Ate

Neneth reminded them that it is important for the group to do this to compare efficiency.

o The volunteers were amenable to the change introduced. III. Other reminders

- To be submitted to Dr. Evangelista on Saturday o Peer evaluation o Group report

- Give copies of report to Father, Ate Neneth and the School.


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January 27, 2011

I. Final auditing of ledgers for 2010 a. 53 ledgers from delinquents were audited b. Only one folder with error (PhP1.00 in excess of collection)

II. Final preparations for the Special general assembly January 28, 2011

I. Special General Assembly a. Updates of the officers on the financial status of Sagip Kapwa b. Progress report of the group on the activities done with Sagip Kapwa c. Announcement of the Raffle event

i. Mechanics ii. Disbursement of ticket raffles

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III. Sagip Kapwa Financial Analysis Based on SK Financial data 2010

Based on the 2010 data from SK c/o Brother Purnomo, loans released and loan payments were close in value; same goes for savings and withdrawal. Outside collection comes from delinquent members. With these numbers, we can estimate that the cash flow within the organization is somehow balanced.

The numbers in the last row are the corrected values.

Income of SK comes from (1) interest income from loans, (2) Service Fee, (3) Membership Fee, (4) Passbook Fee, (5) Interest from Bank and from (6) Donations.

Expenses of SK were not categorized. Expenses are high during the month of June due to Education expense for members, wherein SK gives educational assistance for one kid per member family. There is also a high expense during December due to expenses for the anniversary party and patronage refund. Given these data, the group made a simple income statement for the year ended December 31, 2010. See that expenses are not categorized.

! "$!

Recommendations:

SK has no formal monitoring of finances except for the year 2008, wherein an accountant assisted them. The group proposes a simple monitoring system for such using templates for income statement (see below), balance sheet and cash flow statement.

Using the financial data prepared by the accountant in 2008, the group would try to build a simple template for balance sheet and cash flow statement. These templates (Excel worksheets) would be forwarded to Brother Pur once finished.

This is solely for the purpose of monitoring their finances and not so to become a rigid process of financial accounting. With the use of the revised monitoring forms (from daily operations), the group proposes that it would be now easier to record these financial statements.

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The group proposes the use of a simple template above for Income Statement, with itemized expenses, which SK can update monthly and/or yearly. Miscellaneous income can come from collection from bad debts (delinquent/outside collection).

! "&!

IV. Audit report The group assisted the volunteers in auditing document ledgers of both active and delinquent members for 3 days. Below is the summary data:

Translated to pesos:

There is Php 5,857 loss in income based on this audit report. Synthesis

Incorporating the audit data, the net income for 2010 would be reduced to Php 85,487.16. This loss comes mainly from recording errors by the volunteers. Father, together with Mrs. Neneth Frondoza, already talked with the concerned volunteers to be more cautious in handling the ledgers and other documents. Likewise, to help reduce errors in recording, the group proposes slight changes in daily operations (floor plan, duties of volunteer during collection time).

! "'!

V. Philhealth status 1st wave of application - started payments by 2nd quarter 2010 - members: - Bonifacio, Ana - Carodan, Alvin - dela Cruz, Marilou - Francisco, Lucia - Gamos, Herminda - Lontoco, Richard - Mangubat, Mercy - Total of 7 active members of Sagip Kapwa were able to avail of Philhealth subsidy - By the 3rd quarter 2010, Philhealth payment for Richard Lontoco was stopped; his employer continued the payments. 2nd wave of application - started payments by 4th quarter 2010 - members: - Frondoza, Enriza - Garcia, Angelito - Glifonia, Angelito - Insigne, Anita - Javier, Irene - Pastor, Rosario - Roa, Epifania - Sidaya, Jenny - Total of 8 active members of Sagip Kapwa were able to avail of Philhealth subsidy As an extension of service beyond microfinance, SK is providing Phihealth subsidy for active loaning members. This activity started in early 2010 wherein “Phiilhealth talk” was organized with a key speaker from Philhealth discussing the benefits and importance of having health insurance. In addition, the group conducted a health survey, with approximately 30 community respondents mentioning health as one of the family’s priorities. This activity encourages the members to loan and in turn, help increase interest income for SK. In return, these members benefit from 50% subsidy for a health insurance. Indirectly, this activity also aims to help increase health awareness. Currently, a total of 14 active members of Sagip Kapwa are benefiting from Philhealth subsidy. SK is anticipating another wave of application. Processing of these papers are now being handled by the manager.

! "(!

VI. Operations Workflow Revisions Field trip to Card, Inc The group, together with three officers from Sagip Kapwa, had the chance to visit Card MRI, a non-profit organization that acts as a support group for other microfinance organization. Its objective is to be a formal banking institution at the service of the poor, mainly landless rural women, lending them money to develop small-income-generating activities. This capital will serve either start-up businesses or expand existing businesses. The whole group along with Dr. Allan Evangelista went to observe their operations and got some insight on what different aspects of their organization might be applicable to Sagip Kapwa.

o The group was divided into four and visited the areas where the account officers go every

week o Unit manager: Michael Baculo, Cubao Unit o Center meeting is at 7:30 AM o Each center (minimum of 10 members, maximum of 40 members) has a treasurer, center

chief, and secretary. Each week they do their collections and they remit to their assigned account officers

o Before the session meeting begins, the center’s officers already have started with the collection. Each session has an opening prayer lead by an assigned member. Oath of the members and Card Inc. are stated by the members and the account officer and the Card Inc’s hymn is sung by everyone. Then, the previous meeting’s minutes is read by an assigned member, if there are not changes or clarifications, it will be finalized or approved by two members of the center. A short health education is conducted by the account officer which the members should be actively participating in. Before ending the meeting, a tally of the day’s collection is done and double-checked with the attendance. The money is wrapped by the account officer and will be given to a member for safekeeping until they will hand it over to Card Inc.’s office in Cubao.

o Forms: ! Member’s ledger ! Center Attendance book ! Collection sheet

o Other details during the meeting: ! No membership fee, no processing fee, no passbook fee ! Collection is once a week ! 14.72% interest in 3-7 weeks

o Educational loan ! 18% interest ! member must have at least 1 year membership with good performance ! 3 to 12 months to pay

• Elementary: PhP1,500-3,000 • High School: PhP1,500-PhP5,000 • College: PhP1,500-10,000

o Housing Repair Loan ! PhP 10,000; 18% per annum ! member must have at least 3 years membership with good performance ! member must have at least 90% attendance rate ! loan can only be granted if it will be used in the near future ! 3 to 12 months to pay

o Philhealth and Philcare Health insurance ! Philhealth is PhP30/weekly ! Philcare is Php1,800 per annum to be paid in advance by Card Inc.,

member will pay Php45/weekly

! ")!

Feedback on the field trip o Their process was very fast but it’s done all at the same time o It’s very structured because they already know who will pay that day and how much

they’ll pay. The problem is, in SagipKapwa, people come as they please so it is impossible to know who will come per day.

o Their payment is already in big amounts because it is collected weekly but in SagipKapwa, their money is collected daily and in whatever amount.

o Their interest is very high, compared to SagipKapwa which is just 3% o There are no penalty fees in SagipKapwa compared to theirs which has penalty in even

the smallest things (ie. Not bring their ID to the meeting, being late in the meeting, etc) o It is also an advantage that they have an education part (CWE) but in SK catechism is

also taught and there is also bible sharing. o It is also admirable that they have that they have songs and oath every meeting. o SagipKapwa also doesn’t have ID, only T-shirts for the officers o Minutes also are very structured. o Prayers – SK prayer but not done everyday o Vocal confirmation of withdrawal is also their advantage o Their loans are categorized into educational, repair loan, etc. vis a vis SagipKapwa which

is not categorized o It is an advantage that they have Philcare, which is applicable for OPD also. This is what

SagipKapwa really aims for. Operations Audit Total number of audited folders: 117 Total number of folders with errors: 37 Percentage Error: 31.62% Active Members

LOAN (inPhP)

SAVINGS (inPhP)

Deficit 2,250 290 Excess 1982 1343 Difference 268

(Deficit) 1,183 (Excess)

Total Error 4,227 1,183 Combined Error 5,410

Father Pulcini and the Volunteers had a short meeting after the 1st day of audit. It was discussed that some members may be open to being talked to about the errors and fixing them. They said that they would try to reduce the errors and they would talk to the members and inform them of their mistake

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A Day as SagipKapwa Volunteers Ledgers

o Cristal Laquindaum o Russ Rivera o CJ Villafuerte

Receipt issuance o Rian Parulan

Cashier o Kats Barcelona

We volunteered to different stations for the day in order to experience what the volunteers were doing so as to get a feel and understand more their work Sagip-Kapwa Process Waiting Line Flowchart

Operations for the organization was discussed and suggestions were made Observations

o Filing does not have a system which makes it easy to alphabetize and sort for it to be easily retrieved

o Folders are not that sturdy and are easily torn o Ledgers are not filled up accordingly o Not that legible handwriting, sometimes they put the withdrawal in the deposit column and vise

versa o Volunteers know member’s name and do not need to ask once they arrive o No double checking of arithmetic in ledgers o Each person is not fully utilized and that there is a lot of idle time since there are three of them in

one station

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o Money is just placed in the folder even if it were all coins so it would again be disarranged and sometimes money would get misplaced

o Once passed to the Receipt issuance station sometimes it would not be in order so sometimes the folder which arrived first was placed in the bottom so it would be processed last

o Receipt Issuance personnel would again count the money and double check the ledger o Since there are three persons to do the ledger, most folders would pile up at the receipt issuance

station o Cashier would again count the money

Recommendations

o Use of plastic bags (zip lock bags) for handling money deposited to avoid misplacement along transfer per station

o Make the receipt counter stop the counting o Make the receipt counter do a ledger check (arithmetic and countersigning of ledger) before

transfer to cashier o Make sure the customer gets the acknowledgement receipt and updated passbook o First come, first serve. From the ledger counter, processed folders should be placed below the

pile, so that the receipt counter will first process the folders of members who arrived first. o The ledger people and the cashier will count the money

o With the use of plastic bags, there is more ease and order in the transfer of each folder per station, as no more coins or bills were displaced.

o Previous bottleneck area in the receipt/ledger check section was controlled. Transaction time was lessened to only a minute.

o There was no problem in the accounting of money (cashier notebook and receipt log) at the end of daily operations.

o The ledger people were more cautious in counting of money and recording/countersigning the ledger.

o The members should be reminded to bring home their passbook and get the acknowledgment receipt.

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o It was noted that the floor plan and seating arrangement of the volunteers had no order so a revised floor plan for operations was suggested by the manager

o This floor plan would create a large open area for member entry o However the transfer of folders from ledger to receipt section is still not orderly

Other floor plan that was suggested is the following:

o This created restricted area for member entry o Also a smoother transfer of folders from ledger to receipt/ledger check section

! ##!

Implementation of revised monitoring system The project head feels the hesitation of the manager and some of the volunteers in

implementing an additional step (filling up the revised monitoring sheets) within the daily operations. Ate Neneth points out the lack of manpower and piling up of other jobs. The project head proposes to continue talks with the volunteers regarding the implementation of monitoring system and ask for their inputs/suggestions. Other recommendations Philcare is one of the things that Sagip Kapwa officers noted to be an admirable thing about Card Inc. PhilCare is the multi-service Health Maintenance Organization (HMO) subscribed to by the Card, Inc. The fee of members is Php180.00 per month. PhilCare provide client’s access to quality and affordable healthcare services both for their preventive and curative needs through its wide range of product lines. They have different health benefits packages to offer. There is the Individual/Family Program, which includes the Premiere, Premiere Elite, Executive Elite, and Globalcare Programs. There are also Corporate Programs. This includes the BG Plus / BG Plus Elite, which have life insurance involved, the Comprehensive Care Program that offers tailor-fit health benefits, and the Health Management Program where the client designs he healthcare package within a specific budget. Health Buddy Cards are also available from PhilCare. Currently, it is unknown to the group which package Card, Inc. subscribes to.

PhilCare has 8,900 affiliated specialists, 273 affiliated hospitals and more than 160 out-patient clinics nationwide. Eligible members must be 59 years old and below. If spouse is aged 59 years old and below, and is actively working, he/she can be enrolled as well. All children aged 6 months to 20 years old, with single status, may also be enrolled.

The relatively cheap price of Php180.00 per month makes PhilCare, as one possible option that Sagip-Kapwa members could avail as a group and cover their Out-Patient needs that PhilHealth could not provide. PhilCare could be utilized more by the community as most health problems the families encounter do not need hospital confinement, requiring only simple physician consults. Another reason why PhilCare could be a future activity that Sagip-Kapwa could offer is the possibility of modifying the packages offered by the HMO. This would allow Sagip-Kapwa to choose the services that would be most beneficial to their members.

There are also impediments that would not make PhilCare the ideal HMO for Sagip-Kapwa. The first involves age limit of members and their beneficiaries. More than a few members of Sagip-Kapwa are above 59 years old, and they have spouses also above this age. A higher age limit would be better for the HMO of choice for the microfinance organization. The second also involves the membership criteria. Unlike, PhilHealth, parents would not be part of the beneficiaries. This would pose as a problem since many Sagip-Kapwa members have their parents, who are not part of the workforce, live with them. Another impediment is the 12-month waiting period before pre-existing illnesses can be covered. A shorter waiting period would be better.

An HMO that would address these impediments, while maintaining the price and quality of service would be better suited for Sagip-Kapwa. With this thought, other HMOs should be researched on, such Caritas Health Shield, Inc. or Blue Cross Health Care, Inc.

! #$!

VII. Fund-raising activities A. Short-term fundraising activity SAGIPapremyo Raffle Project Proposal! Objective: • Organize a raffle project as part of Sagip Kapwa’s short-term financial sustainability

strategies • Create a springboard event that will introduce the fund-raising raffle event to the

community Methodology: • Organize a simple event to launch the raffle project (to be done during Sagip Kapwa’s

general assembly) • Program will include

o Song number by the Sagip Kapwa Kiddie volunteers o Updates/reports to be done by Fr. Eugene o Introduce the raffle project o Tickets to be sold at Php10 during the pre-raffle party o Regular tickets to be sold at Php20 until March 22, 2011 o Deadline for remittance of sold ticket is on Mar 23, 2011 o 5% commission goes to the top 5 highest sellers

! Some snacks will be served ! Gather funds for prizes in the raffle:

o 1st P 5,000 = (2000 cash + 1,000 grocery + one (1) sack of rice) o 2nd P 3,000 = (1500 cash + 700 grocery + half sack rice) o 3rd P 1,700 = (500 cash + 500 grocery + one (1) electric fan)

! consolation prizes: o three (3) P300 grocery bag " 900 o three (3) 700 electric fan " 2100 o three (3) 400 flat iron " 1200

TOTAL = PhP 13,900 • other mechanics:

o 5% commission for top 5 sales • if projected maximum sales per person = of 500 tickets • commission expense is projected at Php 2,500 ! raffle tickets will be sold at a discounted price of P 15 from P 20 on the night of the event

for the first 50 tickets sold (LOSS = P 250) ! raffle draw will be held on March for which another gathering/party will be held ! Projected sales = 1,500 tickets for Php 20 each = 30,000 ! Grand draw on April 2011 ! Some games and dance numbers will be prepared as part of the celebration.

Materials: • Sound system • Food • Game materials • Prizes for games • Raffle tickets

Committee • Program – CJ & Ate Clarisse • Food – RIAN & Fr. Eugene • Raffle committee – RIAN & Ate Neneth

! #%!

Schedule: Basketball court/Church, 6:30 pm - 8:00pm, January 28, 2011 Projections • Expenses: P 19,900

! raffle prizes = P 13,900 ! 5% commission = P 2,500 ! raffle ticket printing = P 1,800 ! party for Grand draw night = P 2000

• Gross income: P 30,000 • Funds that will be raised: P 9,800

B. Long-term fundraising activity

• Brochure and solicitation letters are attached

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Date: ___________________

________________________

________________________

________________________

Dear Sir/Madam:

Peace, joy, and love to you and your family this 2011!!

We are fourth year medical students of the Pioneer Batch of the Ateneo School of Medicine and Public Health. As part of our curriculum, we were assigned to work with a community to incorporate our learning not just in medicine but in public health and management as well. For three years, we have been working with Sagip Kapwa Project, a microfinance program situated in Sitio Militar, Brgy. Bahay Toro, Project 8, Quezon City. The project is headed by Xaverian missionaries, under the leadership of Fr. Eugenio Pulcini. The project is managed by a team of volunteers, who themselves are members and residents of the community of Sitio Militar. The main target of Sagip Kapwa project would be the informal settlers of this community who are in need of financial support for their small businesses. Sagip Kapwa differs from other microfinance programs as it strongly stresses on the Gospel-like attitude of helping out the poor, providing more flexible terms and packages. In the same way as other microfinance programs, Sagip Kapwa promotes self-help and fosters cooperation and community building. Currently, Sagip Kapwa offers loans and savings services for adults and kids, as well as subsidy for Philhealth. There is no intention by the project to earn profit in itself and as such only a small interest is charged to cover for the project’s most basic operational expenses. To continue to serve its members, it is imperative to find means to ensure the survival of the organization. Therefore, our group is working together with the Sagip Kapwa volunteers for a fund-raising activity, namely Sagipapremyo Raffle Project, to be launched this January 28, 2011, with the final draw to be held this coming April 1, 2011.

! ! !!

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The prizes are as follows:

1st prize • Php 2,000 cash • Php 1,000 worth of groceries • One (1) sack of rice

2nd prize • Php 1,000 cash • Php 700 worth of groceries • Half-sack of rice

3rd prize • Php 500 cash • Php 500 worth of groceries • Half-sack of rice

…and many other consolation prizes! In light of this, we are asking for your kind assistance to continue to pursue this endeavor. Donations in cash, check*, or in kind are very much welcome. It is for us a God’s blessing to receive more benefactors to help even more people! Your support would be deeply appreciated. Again, thank you very much and may the good Lord continuously bless us!

Sincerely yours,

_____________________ Mariel Angelou Parulan (0917) 8138151, [email protected] Project Head, Sagipapremyo Raffle Project Ateneo School of Medicine and Public Health Noted by: _______________________ Fr. Eugenio Pulcini, sx Sagip Kapwa Project

___________________________ Mrs. Enriza Frondoza Manager Sagip Kapwa Project

! ! !!

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R E P L Y S L I P

I/ We, (name of person/company) pledge (cash PhP ______________)/(bank, check no.___________)

(kind_______________________) for the benefit of Sagip Kapwa Project. I/We support its mission/vision of serving the poor through

this microfinance project rooted on “Gospel-like” perspective, self-help and community building.

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Date: ___________________

________________________

________________________

Dear Sir/Madam:

Peace, joy, and love to you and your family this year!

I am writing on behalf of Sagip Kapwa Project, a microfinance program situated in Sitio Militar (an area populated by around 10,000 informal settlers), Brgy. Bahay Toro, Project 8, Quezon City. The microfinance project began in December 2004. It is headed by Xaverian missionaries, under the leadership of Fr. Eugenio Pulcini. The project is managed by a team of volunteers, who themselves are members and residents of the community of Sitio Militar. The main target of Sagip Kapwa project would be the informal settlers of this community who are in need of financial support for their small businesses. Sagip Kapwa differs from other microfinance programs as it strongly stresses on the Gospel-like (vs business-like) attitude of helping out the poor, providing more flexible terms and packages. Sagip Kapwa promotes self-help and fosters cooperation and community building. Currently, it offers loans and savings services for adults and kids, as well as subsidy for Philhealth. There is no intention by the project to earn profit in itself and as such only a small interest is charged to cover for the project’s most basic operational expenses. To continue to serve its members, it is imperative to find means to ensure the survival of the organization. In light of this, we are asking for your kind assistance to continue to pursue this endeavor. Donations in cash or check* are very much welcome. It is for us a God’s blessing to receive more benefactors to help even more people! Please feel free to contact us for more information about our project. Your support would be deeply appreciated. Again, thank you very much and may the good Lord continuously bless us!

Sincerely yours,

Fr. Eugenio Pulcini, sx Sagip Kapwa Project

Noted by: Mrs. Enriza Frondoza Manager Sagip Kapwa Project

! ! !!

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R E P L Y S L I P

I/ We, (name of person/company) pledge (cash PhP ______________)/(bank, check no._____________)

for the benefit of Sagip Kapwa Project. I/We support its mission/vision of serving the poor through this microfinance project rooted on

Gospel-like perspective, self-help and community building.

What has been achieved so far?

From its beginning up to December 31, 2010, the project has benefited more than 360 members and has disbursed more than 12 million pesos, mainly due to the sense of responsibility of the members who have faithfully paid back their loans. For the year 2010, an operational income of around PhP137,000 has been generated and reinvested in the same plan. As an offshoot of the project, a savings deposit scheme for kids, “Sagip-Kapwa Kiddie Savings Club” was also started on July 2005. As of December 31, 2010, about 300 kids have joined the program and were able to generate a total savings of PhP120,412. The aim of the saving scheme is to teach children the value of thrift and to become financially responsible. Last 2010, another offshoot project was initiated that extended the services of Sagip Kapwa to Health, and the objective is to provide incentive for those members who loan. Currently, subsidy for Philhealth has been granted to 14 active members.

In a community of more than 2,000 poor families with a total population of more than 9,000 (2002 barangay census), the project’s impact is just like a drop in a bucket. The continuing impoverishment of so many people is an affront to our Christian faith and moral values. In the light of God’s favor for the poor, through the help of kindhearted people, we would like to reach out to more poor families and to continue to increase little by little the basic amount of the loan, for the support of their livelihood activities. Furthermore, Sagip Kapwa intends to extend services offered through other activities.

Sitio Militar, Brgy. Bahay Toro, Project 8, Quezon City

Sagip Kapwa Project Sitio Militar Ina ng Laging Saklolo Chapel

Sagip

Kapwa

Project

What are the challenges that lie ahead?

Philhealth talk last February 2010

Sagip Kapwa on its 5th anniversary

Ina ng Laging Saklolo Chapel

We foster a “Gospel-like” vs. a “business-like” attitude

What is the goal of SAGIP-KAPWA project? The goal of the project is to strengthen the formation of Christian communities through self-help and cooperation. “Tumutulong ang Diyos sa iyo upang matulungan mo ang ibang pamilya!” The Christian principle of sharing and multiplying God’s blessings through charity and solidarity is the leading assumption of this endeavor. The micro-lending project is carried out in the most compassionate manner “Gospel-like”(vs.“business-like”), always striving to help the poorest of the poor. It is our common desire to uplift the social-economic condition of poor families within the community with the hope that they will live a more decorous life.

What is Sagip Kapwa Project? Sagip-Kapwa is a simple micro-lending project initiated in December 2004 by the community of the “Ina ng Laging Saklolo Chapel”, which belongs to Our Lady of Perpetual Help (OLPH) Parish, located in Sitio Militar, Brgy. Bahay Toro, Project 8, Quezon City. The project was born out of the pastoral mission of the Catholic Church to spread the good news of salvation through evangelization and socially relevant projects for the poor. The project has been initiated and is being undertaken under the guidance of the Xaverian Missionaries through Fr. Eugene Pulcini, the priest in charge of the Chapel, with the acknowledgement of the OLPH Parish Priest.

How does SAGIP-KAPWA Project work? The project is managed by a team of volunteers who themselves are members of Sagip-Kapwa and are also residents of Sitio Militar. Membership to the group is open to all residents of the community. However, priority is given to those who are particularly in need. A simple screening process is done to ascertain the financial capability and “business attitude” of the potential beneficiaries. A small loan (from Php2,000 to Php7,000) with minimal interest is given to qualified members. The said loan is meant to be paid within a period from 30 up to 100 days depending on the choice of the member. The mode of payment is through amortization either on a daily, weekly, 15/30 or monthly basis. A daily saving deposit, with a minimum of Php5/day, is required from all members.

The saving deposit could be withdrawn anytime if a member so desires. The project maintains a very simple but adequate accounting system to manage its operations effectively. Where does the project get its funds? Sagip-Kapwa started with a revolving fund of Php 500,780. The said fund came mostly through small donations from several sponsors, mainly from abroad.

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LEC rotation january 17 28, 2011