Microfinance: Interest to Action Part 5 of 5

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Microfinance: Interest to Action Part 5 of 5

  1. 1. 2014 ROTARY INTERNATIONAL CONVENTION “MICROFINANCE: INTEREST TO ACTION” June 3, 2014, Legends Room, ANZ Stadium Sydney Olympic Stadium
  2. 2. “Good Governance as a Platform in Implementing Microfinance Program by Rotary Clubs” CARLOS H. YTURZAETA, CPA RAGM Regional Outreach Director for East Asia Assistant Governor, RI District 3830 Past President, Rotary Club of Makati EDSA, RI D -3830 Vice-Chairman, Good Governance Advocates & Practitioners of the Philippines (GGAPP)
  3. 3. • Microfinance or Microcredit as a Tool in Poverty Alleviation • Microfinance is being used in many 3rd world and developing countries • Microfinance vs Typical Community Service Projects • Microfinance is helping the marginalized to have dignity resulting to empowerment Rotarian Action Group for Microfinance and Community Development
  4. 4. • Microfinance is a type of community loan program. • Microfinance works on “one for all, all for one” basis. • Microfinance satisfies the avenues of service and the areas of focus, particularly, economic and livelihood program. Rotarian Action Group for Microfinance and Community Development
  5. 5. • Microfinance has an output: MICRO ENTERPRISE or MICROBUSINESS. • Microfinance is, therefore, to be properly managed and supervised. • Otherwise, there will be no success and the objective of Microfinance fails. • Critical to this is Good Governance Rotarian Action Group for Microfinance and Community Development
  6. 6. • Good Governance is: – Transparency – Accountability – Fairness – Integrity – Stewardship • Good governance will result in excellence and professionalism. Rotarian Action Group for Microfinance and Community Development
  7. 7. • Good governance will result in more Microfinance initiatives that can be implemented on a District-wide basis. • Good governance will become a platform for all the microfinance endeavors that a Rotary Club will implement. Rotarian Action Group for Microfinance and Community Development
  8. 8. Indispensable Declarations: Core Values - Rooted in the values of a “good parent of a good family” – what we hold dear. Mission – Rooted in the mission using microfinance as a tool in uplifting the economic and social condition of our marginalized brethren. Vision - Rooted in the long-range objective of providing dignity for humanity. Rotarian Action Group for Microfinance and Community Development
  9. 9. Key Success Factors: • Learn from other successful Microfinance organizations and endeavors – best practice • Microfinance becomes successful if it is founded on sound personal values and principles which lead to Good Governance. • A successful Microfinance Program is one that can be replicated throughout generations. Rotarian Action Group for Microfinance and Community Development
  10. 10. • Microfinance is a sacrifice – Service Above Self. • Microfinance will give Rotarians pure joy – He who serves best, profits most. Rotarian Action Group for Microfinance and Community Development
  11. 11. 2014 ROTARY INTERNATIONAL CONVENTION “MICROFINANCE: INTEREST TO ACTION” June 3, 2014, Legends Room, ANZ Stadium Sydney Olympic Stadium “Good Governance as a Platform in Implementing Microfinance Program by Rotary Clubs” CARLOS H. YTURZAETA, CPA RAGM Regional Outreach Director for East Asia Assistant Governor, RI District 3830 Past President, Rotary Club of Makati EDSA, RI D -3830 Vice-Chairman, Good Governance Advocates & Practitioners of the Philippines (GGAPP) Email Address: carlos_yturzaeta@yahoo.com.sg and mobile nos: +639175360937
  12. 12. YEAR 1997 - RCC ORGANIZED JULY 12, 1997 1997 - present SITIO MALAYA DAY CARE CENTER – First project. 2000 - MATCHING GRANT NO. 16001 for P 989,000.00 2001 - present MICRO CREDIT PROJECT AND OTHER LENDING SERVICES Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects Beneficiaries: 350 families - Sitio Malaya 280 families - Sitio Tuyuan 250 families - Sitio Cubic LOAN : 3,000 – 30,000 Pesos
  13. 13. REBATE SYSTEM: 10% reward - 100% repayment on time 2001- today - 13 YEARS – 100% REPAYMENT RECORD 2007 - 2008 - MALAYA TUYUAN CUBIC MULTIPURPOSE COOPERATIVE organized from P 90,500.00 rebates for 5 years received from the Rotary Club of Parañaque Micro Lending – Seed Money for Coop. Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
  14. 14. Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects 2014 (6 years) - Seed Money of P 90,500.00 is now P 1.3 Million, with 87 members from 39 Charter members. - MTCMP Coop – produced a 3 Module seminar. 1. MORAL VALUE FORMATIONS 2. BASIC ACCOUNTING 3. RECRUITMENT MODULE.
  15. 15. ACTIVITIES IN THE RCC AREA:ACTIVITIES IN THE RCC AREA: - Weekly Feeding Program by RCC. - Annual Medical / Dental Mission done by RCC and RCP. - Dengue Fumigation - Quarterly Seminars for members and prospective members - Monthly Board Meeting for MTCMP Coop. - Annual Christmas party for Day Care Children and gift giving. Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
  16. 16. Cont...Cont... - General Assembly including election of officers for RCC and MCTMP Coop. - Strategic planning including Annual Budget and review of Policies and Procedures. - RCP SPOUSE SCHOLARSHIP for 4 Elementary students. - Continuing improvement/rehabilitation of Day Care and Livelihood Center, Day Care Center Library and RCC / Coop Headquarters. Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
  17. 17. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS    Project Name:  Sitio Malaya RCC Humble Beginning
  18. 18. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS    Project Name:  Sitio Malaya RCC Day Care Center
  19. 19. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS    Project Name:  Sitio Malaya RCC Compound
  20. 20. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS   Microcredit Project Credit Investigations & Evaluation
  21. 21. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects CESAR B. DELUYAS, JR. - Sari-Sari Store & Bakery - RCC Past President & Past Coop Chairman Credit Limit: P30,000
  22. 22. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood & Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects CHARLIE C. TOBIAS - RCC/MTCMP Coop Member - Motorcycle Spare Parts & Service Credit Limit: P30,000
  23. 23. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects MARY J. GONZAGA - RCC/MTCMP Coop Member - Meat Processing & Lutong Ulam Credit Limit: P15,000
  24. 24. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects MA. DULCE M. DELA CRUZ. - Internet & Computer Rental - RCC / MTCMP Coop Member Credit Limit: P20,000
  25. 25. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects ELAINE H. HERMIDA - RCC/MTCMP Coop bod Chairperson - Sari-Sari Store & Soft Drinks Dealer Credit Limit: P100,000
  26. 26. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects EZABETH & TONY CALDO - RCC/MTCMPC Treasurer & Member - School Supplies & Electronic Services Credit Limit: P75,000
  27. 27. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects ROMANA G. LABRADOR - RCC/MTCMP Coop Member - Tricycle Operator & Eatery Credit Limit: P50,000
  28. 28. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSACCOMPLISHMENTS   Project Name  :  Microcredit Project – Example of Borrowers Location      :  Sitio Malaya, Merville, Parañaque City Classification    :  RCC - “Livelihood and Entrepreneurship” Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects MOTORCYCLE LIVELIHOOD LOANS FOR TRICYCLE OPERATORS So far 6 RCC/Coop Members Availed the MLL payable in 24 and 36 months at a lower and affordable amortizations.
  29. 29. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS   Microcredit Loan Releases
  30. 30. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS   Sitio Malaya RCC/MTCMPC Strategic Planning Session
  31. 31. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS   Sitio Malaya RCC/MTCMP Coop Pre-Membership Orientation
  32. 32. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS   Sitio Malaya RCC/Coop General Assembly & Social Gatherings
  33. 33. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS   Sitio Malaya RCC/Coop Regular Monthly Board Meeting

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