For Group 10 ONLY

1. ! "!

2. 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
! #!

3. !
!"#$#%&'()%%*&+,&-#./(/$#&012&345*/(&)#!*")&
&
36%76#''&6#3%6"&
*8091:1;&#<=89:81>8?&:1&(+@@A1:B:8?&,+9&C*DE&'BA281B?&
!
79+A=&$A@F89%!!10! !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!309B189&%9;01:G0B:+1%!!Sagip Kapwa !
389:+2&(+H8982I&&&&&&&&&&&&&&&&-0J&KLML&A1B:N&KODKP&QANJ&KLML&&&&&&&&&&&&RR%>B&KLML&A1B:N&MSDMT&Q01A09J&KLMM&
&'()*+)!,-),./0&&&&&&&&&&&&&&&&&&RR&!A;&KLML&A1B:N&MPDMU&%>B+F89&KLML&&&&!&&Q01&KLMM&A1B:N&OL&!=9:N&KLMM&
59:8,&'A@@09J&+,&!>B:H:B:8?&41289B0V81I!&1+)!'234),5!'(*66768!9*527:!*+!8;7<)!<3,;=)65/!>6,(;<)!
=))5768+!?75-!+5*.)-3(<)2+@!+3,7*(!A2)A*2*5736!32!=3B7(7C*5736@!=367532768!32!)D*(;*5736@!*6<E!,36576;768!
76757*57D)+!;6<)25*.)6/0!!!
Towards the end of the two-week rotation from January 17 to 28, 2011, the group concentrated on
working on the following:
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
&'()*+)!;+)!*<<75736*(!+-))5+!7F!6),)++*2G/0!
$0@8&W&':;10BA98&+,&Y:8N2&398>8=B+9I&
! $!

4. EFGH&F,)"+/+.&IJ%,"/,+<,6&/+&2#33$+/*/,6&?FI2B&
! !!!!!!!!!!!! I+:G#7G8#*)*/#+&8,%#"*&
!
!"#$%&'##!!!10!!!!!!!!()"*+,"&-".)+/0)*/#+&1&2#33$+/*4$!!Sagip Kapwa Project !!!!!!!!!!!!!!!!!!!!!!!5)*,6&#7&8#*)*/#+$! January 17-28, 2011 (LEC)
(9)++,:&;<*/=/*/,6&&
2#+*/+$/+.&#"&2#"",<*/=,&
%,"&>,4&8,6$9*&;",)6&?@)6,:& ;<*$)9&;<*/=/*/,6&2#3%9,*,:& ;66,663,+*C&D$6*/7/<)*/#+&7#"&5,=/)*/#+&
A,)6$",6&
#+&((AB&
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.
I. Field trip to a support group for
II. The Sagip Kapwa officers updated the A quarterly audit and a monthly
microfinance organizations (Card
group regarding the revised monitoring financial report using the
MRI, Inc)
forms that was being used during monitoring forms will ensure less
December 2010. Their feedback was errors and periodic update of the
To create a monitoring II. Development of revised forms
essential for further development of the financial status of Sagip Kapwa.
system for # of paid loans for financial monitoring (manual)
forms and fully incorporating it into the
operations and monitoring of their financial
III. Revision of operation workflow
status. Part of the monitoring is also
during collection period
auditing the ledgers of 2010.
III. After incorporating Sagip Kapwa officers’ Operational changes are still
inputs after the field trip in Card MRI, the open for discussion after a few
entire team devised a couple of weeks of its implementation.
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
! "!

5. 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.
I. To address short-term financial The final draw will be done on the
I. Preparation for Raffle event to
sustainability, the group, together with the last LEC day, which is on April 1,
address short-term financial
Sagip Kapwa team, initiated the 2011. This will also be a
sustainability
preparations for the Raffle event. culminating activity of the group
To create other sources of Mechanics, prizes, and other operations together with the Sagip Kapwa
income: were discussed. community.
o Short-term
fundraising activity II. To address long-term financial List of sponsors will be discussed
II. Preparation of materials for the
o Solicitation letter and sustainability, the group together with the and finalized with the Sagip
writing of solicitation letter for the
brochure Sagip Kapwa team, finalized the solicitation Kapwa team. Updates on the
raffle and for long-term use and
letters and informative brochure to be solicitation using the updated
informative brochure regarding
presented to probable sponsors in the solicitation letters and brochures
Sagip Kapwa
future. will also be discussed.
#$%&'(&!)(&!'**+,+-.'%!(/&&,(!+0!.&1&(('234!$%&'(&!()56+,!'.!'**+,+-.'%!.'22',+7&!0-2!+,&6(!,/',!6'3!.-,!/'7&!5&&.!1-7&2&*!53!,/+(!2&8-2,!,&68%',&4!9!
!"#$%&"'(&)*+'",-.$%&/0&1./-2&3$#4$.%:!
Kathlene Marie A. Barcelona
Cristal Ann G. Laquindanum
Mariel Angelou Parulan
Russell Rivera
Conrad Josef Villafuerte
!
!
! "!

6. LEC Rotation Jan17-28
M onday Tuesday W ednesday Thursday Friday Saturday Sunday
17 18 19 20 21 22 23
! Fundraiser ! Auditing of ! Preceptor visit ! Auditing of ledgers for ! Details for the raffle
Final planning ledgers for 2010
! Meet with
! Field trip to a 2010 event finalized
preceptor
! Volunteer-for-the- microfinance ! Raffle updates with ! Brochure design and
day organization in QC (set- Sagip Kapwa members solicitation letters
! Mapping out of up by Hapinoy) ! Invitation design for the long-term
operation ! Meeting with Sagip finalized fundraiser finalized
workflow during Kapwa officers for the ! Observation and time ! Feedback and
collection Raffle event analysis of operation processing of time
! Feedback/proces ! Assigned committees workflow of the Sagip analysis and
sing for the Raffle event Kapwa officers during operation workflow
during collection
! Feedback/processing collection
of the Field trip - ! Recommendations
on the workflow
were made
24 25 26 27 28 29 30
! Updates with ! Implementation ! Preceptor visit ! Auditing of ledgers for ! Special General
Father Eugene and of revised Assembly
the officers of
! Continuation of 2010
monitoring updates with Father ! Audit report was o Sagip Kapwa
Sagip Kapwa system updates
Eugene finalized
! Presentation of ! Implementation ! Preparation day For ! Final preparations for o Mechanics for
fundraiser plan of the raffle
Pre-raffle and raffle the pre-raffle event
! Monitoring form recommendation event were
revisions s for operations o Update on Raffle announces
! Recommendations ! Revised sponsors
for operations operations o Raffle ticket print-
! Long term workflow done out
financial and ! Implementation of new
sustainability plan recommendation recommendations for
discussed s were made the operation workflow
! Updates on the ! Synthesis with
raffle event preceptor
6

7. !"#$%&'()*%+'*,'%-./0123%
4')56%723)8)3)19%':;%<=3*=3%
>':='.6%?@%3/%ABC%AD??%
January 18, 2011
I. Audit
• Total number of audited folders: 117
• Total number of folders with errors: 37
• Percentage Error: 31.62%
LOAN SAVINGS
(inPhP) (inPhP)
Deficit 2,250 280
Excess 1,977 903
Difference 273 623
(Deficit) (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
% @%

8. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
January 19, 2011
I. Field trip 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
II. Meeting with Sagip Kapwa Officers
Time started: 10:00 AM
Attendees:
Kathlene Barcelona, Cristal Laquindanum, Mariel Parulan, Russ Rivera, CJ Villafuerte, Neneth
Frondoza, Maya, Clarisse
! "!

9. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
A. Sagip Kapwa Pre-Raffle 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
Materials needed
• Sound system • Prizes for games
• Food • Raffle tickets
• Game materials
Committee
• Program – CJ & Ate Clarisse
• Food – RIAN &Ate Maya
• Raffle committee – RIAN & Ate Neneth
S c h e d u l e : Basketball court/Church, 6:30 pm - 8:00pm, January 28, 2011
Projections
• 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
! "!

10. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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 field trip
• 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
! "#!

11. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
• 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:
nd
o Plastic container for the receipt will not count money anymore, 2 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
! ""!

12. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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 SAVINGS
(inPhP) (inPhP)
Deficit 0 10
Excess 5 431
Difference 5 421
(excess) (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?
! "#!

13. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
III. Raffle event updates
• Name of event
o Pre-raffle party: Party bag magpasagipremyo
o Raffle: Sagipapremyo Raffle Project!
• Ticket design
• Invitation design
! "#!

14. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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
! "#!

15. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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.
th
! The 6 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.
! "#!

16. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
III. Audit Data
st
• Father and the Volunteers had a short meeting after the 1 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
! "#!

17. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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.
! "#!

18. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
- 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
! "#!

19. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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
! "#!

20. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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
! "#!

21. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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.
! "#!

22. LEC Sagip Kapwa
Daily Activities and Output
January 17 to 28, 2011
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
!
! ""!

23. ! !!!!!!!"#$%&!'#&(#!)*+,-./ !
!"#$%&'()*&+$,*--*#+&)*(-.$/*0*#$,*1*0&).$2)345$2&6&4$7#)#.$8)#9(!0$:.$;<(=#+$>*04.$86*1*??*+(-$@@AA$
$ 7(15$B#5$CDEFG$HI@@@JIK$(L&*1$&MN$$(<A@AJDAO6#0L&*15!#L$
$
$ $ $
$
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.
!
.0+!1#2-*%#3!4%55%+3#*%-56!"%/%+!4%7%/#*6!8*$96!8#:#9!;+*+6!)*+,-./!<6!=>-?+3!@%/96!! ):+3-I!JDKCL!MFGGGEF! PQR#%7I!
)A!8+B!CDEF6!GGHH6!=>-?+3!@%/96!):%7%&&%3-5! N#BI!JDKCL!MCFGG<O! ->HGHEDHS:+/R#%7T.+R!
!
!
!

24. ! ! !
!
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, rianparulan@yahoo.com
Project Head, Sagipapremyo Raffle Project
Ateneo School of Medicine and Public Health
Noted by:
_______________________ ___________________________
Fr. Eugenio Pulcini, sx Mrs. Enriza Frondoza
Sagip Kapwa Project Manager
Sagip Kapwa Project
"#!
*Checks may be payable to Eugenio Pulcini, Banco de Oro (BDO) SM City North EDSA Branch, Account number 02-507-17603.!
"#$!%&'()*&+!,*--*$+&)*(-.!/*0*$!,*1*0&).!2)34.!2&5&4!6$)$.!7)$8("0!9.!:;(<$+!=*04.!! 75$+(G!HAI@J!KCDDDBC! LMN&*1G!
7>!2$?!@ABC.!DDEE.!:;(<$+!=*04.!75*1*FF*+(-! ! (;EDEBAEO5$0N&*1P"$N!
!
!
!
!

25. ! ! !
!
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.
"#!
*Checks may be payable to Eugenio Pulcini, Banco de Oro (BDO) SM City North EDSA Branch, Account number 02-507-17603.!
"#$!%&'()*&+!,*--*$+&)*(-.!/*0*$!,*1*0&).!2)34.!2&5&4!6$)$.!7)$8("0!9.!:;(<$+!=*04.!! 75$+(G!HAI@J!KCDDDBC! LMN&*1G!
7>!2$?!@ABC.!DDEE.!:;(<$+!=*04.!75*1*FF*+(-! ! (;EDEBAEO5$0N&*1P"$N!
!
!
!
!

26. !
! !"#$%&'"%("&)*+,-./ &
! .0+&1"2-*$"3&4$55$+3"*$-56&!$/$+&4$7$/"*6&8*#9:&8";"9&<+*+6&)*+,-./&=6&>?-@+3&A$/96&);$7$%%$3-5&BBCC&
!
<-7:&D+:&EFGHI&JKBBBLKM&-N"$7&"OP&&-?CBCLFCQ;+/N"$7:.+N!
! ! !
!
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, Noted by:
Fr. Eugenio Pulcini, sx Mrs. Enriza Frondoza
Sagip Kapwa Project Manager
Sagip Kapwa Project
*Checks may be payable to Eugenio Pulcini, Banco de Oro (BDO) SM City North EDSA Branch, Account number 02-507-17603.&
.0+&1"2-*$"3&4$55$+3"*$-56&!$/$+&4$7$/"*6&8*#96&8";"9&<+*+6&)*+,-./&=6&>?-@+3&A$/96&& );+3-P&EFGHI&JKBBBLK& VWN"$7P&
)R&8+S&HFLK6&BBCC6&>?-@+3&A$/96&);$7$%%$3-5& T"SP&EFGHI&JHKBB=U& -?CBCLFCQ;+/N"$7:.+N&
&
&
&

27. ! ! !
!
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.
"#!
!
"#$!%&'()*&+!,*--*$+&)*(-.!/*0*$!,*1*0&).!2)34.!2&5&4!6$)$.!7)$8("0!9.!:;(<$+!=*04.!! 75$+(G!HAI@J!KCDDDBC! NOP&*1G!
7>!2$?!@ABC.!DDEE.!:;(<$+!=*04.!75*1*FF*+(-! L&?G!HAI@J!K@CDD9M! (;EDEBAEQ5$0P&*1R"$P!
!
!
!
!

28. 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 Sagip Kapwa on its 5th anniversary
income of around PhP137,000 has
been generated and reinvested in the
same plan.
What are the challenges that lie
ahead?
As an offshoot of the project, a savings
deposit scheme for kids, “Sagip-Kapwa
In a community of more than 2,000
Kiddie Savings Club” was also started poor families with a total population of
on July 2005. As of December 31, more than 9,000 (2002 barangay
2010, about 300 kids have joined the census), the project’s impact is just like
program and were able to generate a a drop in a bucket. The continuing
total savings of PhP120,412. The aim impoverishment of so many people is
of the saving scheme is to teach an affront to our Christian faith and
Sagip
children the value of thrift and to moral values. In the light of God’s favor
become financially responsible. for the poor, through the help of
kindhearted people, we would like to
Last 2010, another offshoot project reach out to more poor families and to
was initiated that extended the services continue to increase little by little the
Kapwa
of Sagip Kapwa to Health, and the basic amount of the loan, for the
objective is to provide incentive for support of their livelihood activities.
those members who loan. Currently, Furthermore, Sagip Kapwa intends to
subsidy for Philhealth has been extend services offered through other
granted to 14 active members. activities.
Project
Sagip Kapwa Project
Ina ng Laging Saklolo Chapel
Sitio Militar
Sitio Militar, Brgy. Bahay Toro, Project 8, Quezon City
Ina ng Laging Saklolo Chapel
Philhealth talk last February 2010

29. 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.
We foster a “Gospel-like”
vs. a “business-like” attitude
How does SAGIP-KAPWA Project work?
What is the goal of SAGIP-KAPWA The project is managed by a team of
project? volunteers who themselves are members of
The goal of the project is to Sagip-Kapwa and are also residents of Sitio
strengthen the formation of Christian Militar. Membership to the group is open The saving deposit could be withdrawn
communities through self-help and to all residents of the community. anytime if a member so desires. The
cooperation. “Tumutulong ang Diyos However, priority is given to those who are project maintains a very simple but
sa iyo upang matulungan mo ang ibang particularly in need. A simple screening adequate accounting system to manage its
pamilya!” The Christian principle of process is done to ascertain the financial operations effectively.
sharing and multiplying God’s capability and “business attitude” of the
blessings through charity and potential beneficiaries. A small loan (from Where does the project get its funds?
solidarity is the leading assumption Php2,000 to Php7,000) with minimal Sagip-Kapwa started with a revolving fund
of this endeavor. The micro-lending interest is given to qualified members. The of Php 500,780. The said fund came
project is carried out in the most said loan is meant to be paid within a mostly through small donations from
compassionate manner “Gospel- period from 30 up to 100 days depending several sponsors, mainly from abroad.
like”(vs.“business-like”), always on the choice of the member. The mode of
striving to help the poorest of the payment is through amortization either on
poor. It is our common desire to a daily, weekly, 15/30 or monthly basis.
uplift the social-economic condition A daily saving deposit, with a minimum of
of poor families within the Php5/day, is required from all members.
community with the hope that they
will live a more decorous life.