START RIGHT: FORWARD TO

INSIDE: 16 The Power of Unity14 Fun Night Photo Gallery 18 Standing up for the Truth

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KMBI Corporate Members convene for 2014 AGMKMBI announces new Official Receipt KMBI joins USAID Forward ProjectBOT approves PBI and staff incentivesKMBI dons its new IDKMBI intensifies its MI ProgramSSS confirms KMBI official addressKMBI joins Devex’s 1st Partnership ForumKMBI leaders attend Principles of Mentoring People WorkshopMindanao staff attends MF Supervisors Skills TrainingKMBI now operates in 40 branches nationwideNorth Luzon staff joins TOT on Financial LiteracyKMBI adapts Life Series BookKIIS in full swing nationwide3M investments for Staff Health CareBranch Accountants now directly report to HOKoronadal Branch supports Greening ProjectButuan Centers initiate Tree Planting activity220 individuals benefitted from Koronadal outreach programLuzon, VizMin move forward to One KMBI

Start Right: Forward to 1KMBI

Fun Night Photo Gallery

The Power of Unity

Standing up for the Truth

Organizational PerformanceKMBI Celebrates its 28th Anniversary2015 Collection Holidays

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FEATURES

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ExecutiveNote

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NEWS

KMBI employees posed with the newly elected board of trustees during the Annual General Assembly.

KMBI Corporate Members convene for 2014 AGM

In accordance to the 2009 amended By-Laws,

KMBI Corporate Members convened for the Annual General Meeting (AGM) held at the KMBI Head Office, 12 San Francisco Street,

Karuhatan, Valenzuela City on February 22, 2014.

During the AGM, corporate members elected the new set of Board of Trustees for 2014. The said new Board of Trustees are:

David D. Gutierrez, Chairman and President; Eduardo C. Jimenez, Vice-Chairman and Vice-President; Atty. Romel R. Bagares, Corporate Secretary; Edgardo F. Garcia, Corporate Treasurer; Dr. Virginia P. Juan, Member; Atty. Rainier Q. Chu, Member; and Bishop Jose D. Dalino, Member.

The holding of the Annual General Meeting is governed by Section 1, Article IV of the KMBI Amended By-Laws which states that “The annual meeting for the purpose of electing members of the Board of Trustees of the corporation shall be held every 4th Saturday of February each year.”

KMBI announces new Official Receipt

On May 28, 2014, Kabalikat para sa

Maunlad na Buhay, Inc

(KMBI) announced via broadsheet, tabloid and social media the release

of its new official receipt.

Effective May 30, 2014, the old design of Official Receipt will no longer be honored by KMBI. Thus, the new format of Official Receipt had been printed and issued pursuant to the exclusive Authority to Print (ATP) granted to the KMBI Head Office

in Valenzuela City by the Bureau of Internal Revenue on May 14, 2014.

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NEWS

BOT approves PBI and staff incentives

Cecil Wee and Vic Perez, Product Specialist for Microenterprise Loan and Program Specialist, respectively, represented KMBI during the said training. “In 2013, we’ve received grants, in the form of technical assistance, from the Ayala Foundation and USAID. KMBI is part of the 20 CSOs that comprises the second batch. Participating CSOs, like KMBI, will be trained on the USAID pre-award requirements so

KMBI joins USAID Forward Project

KMBI joined the Peer Learning Event on Proposal Writing on August 27 – 29, 2014 in Clark, Pampanga. It is part

of the Technical Assistance granted to KMBI by the Ayala Foundation Inc, in partnership with the United States Agency for International Development (USAID).

that we can compete for USAID grants and contracts directly,” Reggie delos Reyes, CPSP manager, explained.

The project aimed at strengthening CSO capacities to achieve sustainable and significant impact, be more accountable to their constituents, and to effectively compete for and manage donor resources. This three (3) year project started on September 28, 2011 and will run up to September 27, 2014.

Participants of “Strengthening the Capacity of CSO Project posed for group picture after the seminar.

KMBI’s Board of Trustees

recently approved Performance Based Incentive or PBI and staff incentives such as Gratuity and Anniversary Gifts. Employees will be receiving incentives starting September until December this year. Meanwhile, the BOT further approved the release of the 1st half (Jan-June) of employees’ 13th month pay on May while the second half will be released on November.

KMBI invested a total of P6M for the gratuity and anniversary gifts.

KMBI dons its new IDEffective August 2014, all

employees will wear the new KMBI ID for all official transactions to replace their worn-out IDs.

The Human Capital Group (HCG) announced that the new KMBI ID is a breath of fresh air as the new design imbibes a fresh spirit of hope and represents KMBI

as dynamic, steadfast, strong, unifying, intelligent and stable organization.

The new design was launched during the Staff Regrouping held in Subic, Zambales and Davao City with a symbolic commitment ceremony led by Mr. Rizaldy Duque, executive director.

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NEWSKMBI intensifies its MI Program

KMBI joins Devex’s 1st Partnership Forum

Ed Garcia, Corporate Treasurer and Rizaldy Duque, Executive Director, during the Memorandum of Agreement signing with FirstLife Financial Co. Inc. President & CEO Peter Coyuito and Executive Vice President Jaime Santiago.

Apart from the usual life insurance provided to

clients, the enhanced Micro-insurance program of KMBI, initiated by the Program and Product Innovations Department of the Business Innovations Group (BIG-PPI), now offers reimbursement of medical expenses for emergency care effective July 1 and August 1, 2014 for VizMin and Luzon Operations, respectively.

In collaboration with PinoyAko and coordination with First Life Financial Co, Inc. and EastWest Healthcare, all KMBI

program members can now benefit from the said add-on service. It covers medical expenses for emergency care due to life threatening condition, accidental injury or sudden and unexpected onset of a medical condition. A program member can reimburse hospital expenses up to P10,000 per annum or P5,000 per loan cycle.

Pinoy Ako, in partnership with First Life and East West will cater the Luzon Area while VizMin operations will be under Life and Emergency Care Program of First Life.

The Kabalikat para sa Maunlad na Buhay,

Inc. (KMBI) joined Devex’s first Partnerships Forum in Manila on June 10, 2014 at EDSA, Shangrila, Makati City.

Rizaldy Duque, executive director and Reginold delos Reyes, Corporate Planning and Special Project manager, attended the said event together with representatives from different funding institutions to discuss the changing development landscape in the perspective of multi-lateral and government funding organizations, the Mindanao Peace process including its challenges and opportunities.

“This session gave KMBI a clearer idea on determining which funders can be tapped for certain programs and services. The Forum was a good opportunity for KMBI to be exposed, learn and interact from larger development organizations,” said delos Reyes, Corporate Planning and Special Project manager.

SSS confirms KMBI official address

The Social Security System (SSS) recently confirmed

that the official and legitimate representative of KMBI remains at No. 12 San Francisco Street Karuhatan, Valenzuela City.

With the acknowledgement, SSS will only honor transactions related to KMBI through authorized personnel from KMBI Head Office.

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NEWSKMBI leaders attend Principles of Mentoring People Workshop

Mindanao staff attends MF Supervisors Skills Training

Eduardo Jimenez, Vice-Chair and Vice President, and wife Gloria Jimenez, facilitated the whole-day workshop adapted from the book “The way of the Shepherd” by Dr. Kevin Leman and William Pentak.

Anchored in 1 Peter 5:2-4, Jimenez emphasized that in mentoring people, one must view their work as a calling

and make other people follow. He further reminded participants that the heart of a good leader has the heart of a good shepherd meaning every leader must: 1) Know the condition of their flock 2) Discover the SHAPE of their sheep (i.e. Strength, Heart, Attitude, Personality and Experience) 3) Help the sheep identify them 4) Make

Two KMBI managers from Mindanao operations

attended the Microfinance Supervisors Skills Training organized by the Mindanao Microfinance Council held at Dipolog City from July 10-11, 2014.

KMBI leaders comprised of the Leadership Team and Area Managers attended the “Principles of Mentoring” workshop on August 26 at Great Eastern Hotel, Quezon City.

the pasture a safe place 5) The staff (long stick) of direction 6) The rod (shorter stick) of correction 7) The heart of the shepherd.

Principles of Mentoring workshop is part of the Human Capital Group’s (HCG) LEAD program. Participants are expected to cascade the learning to their staff immediately.

Photos Left-Right: Ed Jimenez, Vice Chair and Vice President, and Ms. Gloria Jimenez, conducted the whole-day workshop; Workshop participants working a personality test.

Crismar Escalon and Evelyn Francisco, Digos and General Santos 1 branch managers were selected to attend the training to further enhance their knowledge and skills in terms of translating the grand

mission of microfinance into sustainable and scalable operations.

Learning from the said training was cascaded among KMBI officers from SOCKSARGEN and Davao operations.

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NEWSKMBI now operates in 40 branches nationwide

North Luzon staff joins TOT on Financial Literacy

After all the challenges, the Kabalikat para sa Maunlad na Buhay, Inc. (KMBI) now operates with 40 branches and 2 additional units. nationwide. KMBI reopened its Tuguegarao, Naga, Butuan, Valenzuela, Marilao (formely Meycauayan), Manila (formerly MMSB1), San Fernando and Angeles branches and officially inaugurated on April 28, June 26, July 22, October 1, 15 & 17 respectively.

Tuguegarao branch staff and program members listening to the short reflection during the branch inauguration.

Lanie Cardeno, North Luzon Area Manager during the TOT on Financial Literacy. (Photo courtesy of APPEND)

Meanwhile, KMBI put up new units in Victorias in Bacolod and Goa, Camarines Sur on September and October.

The inaugurations, signified the new beginning for new members of KMBI family, after weeks of prayer and rehabilitation. The symbolic cutting of the inaugural ribbon, unveiling of map, and short reflection, were among the highlights of the activity.

In partnership with APPEND, KMBI adapted series 3 of

the Life Series Book as training material for center meetings as part of BIG-PPI’s client education initiatives.

The book “Pamilyang OK, Pwersa ng Bansa” was unveiled on August 27, 2014 at the Great Eastern Hotel where author-speaker, Ptr. Joey Umali facilitated a whole-day workshop to KMBI management and area managers that aims to strengthen KMBIs partnership with APPEND; that affirm KMBIs main business is holistic transformation and to emphasize the importance of family as an institution.

As a transformational material, program assistants shall receive two books, “one is a student manual dedicated for program members and the other one is the teacher’s manual to be used by KMBI staff,” Ptr. Umali explained.

KMBI adapts Life Series Book

In partnership with the Alliance of Philippine

Partners in Enterprise Development (APPEND), 26 KMBI North Luzon staff joined the Trainers’ Training on Financial Literacy Education on September 12, 2014 at Isabela Hotel, Isabela.

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NEWS

Branch Accountants now directly report to HO

To provide immediate response on accounting

issues, KMBI transferred the accountability of accounting system from its branches to the head office.

Effective June 1, 2014, all accounting staff are directly

reporting to the Finance and Accounting Department (FAD) at KMBI Head Office. Marvin Barrieta, Jr. Accountant, is now the coordinator for Visayas and Mindanao Operations while Ronwaldo Viray, Branch

Accountant, for the Luzon Operations.

The said changes ensure timely and accurate report and the continuous capacity building of branch accounting staff.

3M investments for Staff Health Care

KMBI invested a total of 3M for the

renewal of its Health Care Program with Intellicare on March 2014. Intellicare has been KMBI’s health welfare partner for its staff for the past six years.

“With the partnership, KMBI was able to get additional services like free cauterization at the comfort of our own office, health care and wellness seminars, and discount on vaccines on a yearly basis,” said Sharon Dionco, Total Rewards Management manager.

KIIS in full swing nationwide

Manual days are over as the KMBI Integrated

Information System (KIIS) MF System was finally rolled-out to all branches and the Head Office. The Institutional Support Group-Information Technology (ISG-IT) department conducted a reorientation to all accounting staff from August 12 to September 5, 2014.

“During the pilot testing in 2013, we’ve identified flaws in the system which resulted to its modification to address the problems.

Branch Accountants encoding client’s profile online.

Reorientation was conducted and we presented the latest enhancements, revised processes, and new features and settings of the MF System,” said Jofel Gandeza, MIS manager.

KIIS is a computer-based system used for information processing to automatically organize the profiling and reporting system of the organization and to enable information to be virtually available for faster communication.

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NEWSKoronadal Branch supports Greening Project

Butuan Centers initiate Tree Planting activity

220 individuals benefitted from Koronadal outreach program

Koronadal branch supported the Tree

Growing and Community Greening Project of the City Government of Koronadal on June 29, 2014 for two consecutive years.

18 staff and 20 program

members planted trees in Park Riverside, Brgy. Cacub, South Cotabato. “This is our way of saving the Mother Earth for the next generation,” said Rosunny dela Luna, Koronadal Branch manager.

KMBI Butuan is now in full swing as branch staff and 55 program members from different ENTREP centers participated in the Tree Planting activity initiated by Brgy. Ambago Women’s Group and Butuan Center A435 last August 23, 2014. The Tree Planting activity is part of the City Mayor’s project in cooperation with the LGUs and NGOs to plant a million tree.

220 individuals benefitted from Koronadal Branch’s

outreach program on July 12, 2014 at Sitio Lamtabong, Brgy. Lambingi, Banga, South Cotabato. Aside from

Koronadal branch staff during the Tree Planting activity.

Photos Left-Right: Koronadal branch program members assisting in the distribution of porridge; Peter Sunio, Loan Officer, faciliting games prepared for the children; relief goods ready for distribution.

feeding 170 kids, packed goods (noodles, sardines and rice) were distributed to 70 beneficiaries.

“Staff and some friends contributed cash to make

this activity possible. We’re also surprised that we’re able to raise P10,000 for this activity,” shared Sheilla Tanawan, Koronadal branch accountant.

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NEWSLuzon, VizMin move forward to One KMBI

Photos Left-Right: Rizaldy Duque, Executive Director, reminding VizMin staff to never give up on their real purpose; Luzon Operations staff during the praise and worship.

With the theme Start Right: Moving Forward

to One KMBI, the Kabalikat para sa Maunlad na Buhay, Inc. (KMBI) convened 728 staff and selected program members on separate occasions for Luzon and VisMin Operations.

The two-day activity held at White Rock Water Park Resort from Aug 1-2 for Luzon and at Seda Hotel, Davao City for VisMin from August 15-16, solidified KMBI’s stand and presence in its areas of operations. Thus, this year’s regrouping served as a platform for discussion between the Board of Trustees, Management and staff on various issues, plans and improvements concerning the organization.

During the regrouping, KMBI launched its newest ID and the Life Series book for Operations. Moreover, KMBI’s new partners, PinoyAko, FirstLife Financial

Co, Inc, and East West Health Care conducted a short orientation on Health Emergency Lingap Pampamilya Program or HELPP, to give the program members an additional protection in case of emergency hospitalization.

During the Fun Night, the activity was able to raised a total of P19,210 intended for special projects for clients. “As we intend to solidify ourselves more intensely, we believe that we are everyone’s strength. The term, “regrouping” is more expressive of our deliberate intention to group as one, as we reconnect with one another to solidify our stand together,” touted by Edwin Aruelo, Director for Human Capital Group and Chairman for Staff Regrouping. “Regrouping is just like after war. Soldiers - hurt, tired, hungry, and depressed - all come together to regain

strength and power,” said Hazel Christine Rosacia-Bayaca, Staff Regrouping co-chair and Business Innovation Group (BIG) director. The staff regrouping was also made possible with the help of production director, Marissa Dela Rosa from Marketing and Communication Department.

“It was such a good break for everyone. I’m happy to see that our clients really enjoyed the activities as well,” shared Cyrene Ramos, West Avenue Branch program unit supervisor. Meanwhile, Marinel Pesidas, Metro Davao 2, program member, expressed, “Masaya ako dito sa KMBI, ngayon lang ako naka-experience ng ganito…marami akong na-meet na bagong kaibigan, bagong lenggwahe, at bagong products ng kapwa ko kliyente,” said Pesidas.

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What does it mean to be ONE?

If someone said to you that unity could dramatically change the world, would you believe in it? In today’s world, we are very prone to conflicts. It may be in the government, community, family, work, and even in Churches. Conflicts will turn to division and people will turn against each other. Thus we have to get over from the

issues that caused division among us. If we are united, we will be more armed to combat more serious issues in the future.

As Christians, KMBI should come together in brotherly love. It would be much easier to build a better nation if we are united. So, what can we do now?

Own up our Family. As family, our roots remain as

ONE. We need to acknowledge that we belong to only ONE Family and One God. Notice how Paul approached the Corinthians in 1 Corinthians1:10 “I appeal to you, brothers and sisters, in the name of our Lord Jesus Christ…” he called them brothers and sisters. Let us be brothers and

sisters just like how Paul approached the Corinthians. Let us be each other’s strength.

Never give up on our real purpose! –1 Corinthians 1:17 “For Christ did not send me to baptize, but to preach the gospel…” Our purpose is to facilitate TRANSFORMATION and we should never give up on that. Let us not forget that we’re called

An excerpt from Mr. Ed Jimenez, Vice Chair and Vice President, and Mr. Rizaldy Duque, Executive Director, talk during the Staff RegroupingBy Lea J. Gatpandan-Domingo

STARTRIGHT: FORWARD TO 1KMBI!

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to contribute in building a better nation – that is our grand mission and vision.

Engage willingly in making unity a reality! - 1 Corinthians 1:10 “…that all of you agree with one another in what you say and that there be no divisions among you, but that you be perfectly united in mind and thought.” If we are not going to engage willingly, our dreams will never be fulfilled. In the gospel of John, the Lord Jesus Christ prayed for unity. Let us learn to love others and forget selfishness. I do believe that there is a greater guidance for us to achieve unity by the grace of God. If we achieved unity, by the grace of God, God will be glorified. To glorify God is our purpose.

Know our roots. Let us be passionate to know more about Christ. We are fortunate that KMBI provided that opportunity

for all of us. We want to be rooted. We want to know more about Christ because it’s Christ that we bring to the field.

Mimic Christ. Be passionate to know every characteristic of Christ. In our current situation, one of the characteristics of Christ that is very important to mimic is Humility. We need to be humble in our righteousness.

Bag the goal (perfection). We need to bag the goal. What kind of goal? This is the resurrection in the spiritual and physical sense. In Philippians 3:11 it says that “...and so somehow attain to the resurrection from the dead. We are spiritually dead prior to the acceptance of Christ as Lord and Savior.” When we received Christ, we have been revived; we have been given a new body - a new mind and spirit.

An excerpt from Mr. Ed Jimenez, Vice Chair and Vice President, and Mr. Rizaldy Duque, Executive Director, talk during the Staff RegroupingBy Lea J. Gatpandan-Domingo

STARTRIGHT: FORWARD TO 1KMBI!

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2 Corinthians 5:17 says, “therefore if I want to see Christ, he is a new creation.” This is the start of perfection in our life.

Inevitable victory. The inevitable victory will be given. Philippians 3:12 says, “not that I have already obtain all this or have I already arrived at my goal. I press on to to take hold on of that for which Christ Jesus took hold of me.” We are now being assured that inevitable victory has happened and will continue to happen.

When KMBI was established in the 1980s, part of its objective is to integrate God and His work to our work. That will not be taken out in the way we do things in KMBI. We will continue being empowered by that concept and by that reality. The difference this time is that we will work on it as ONE KMBI!

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While listening to Sir Dave, I was reminded of the book “Lessons

from the Mouse,” I’ve read several months ago about the struggles and success of Walt Disney. In the book, a boss told his staff, “There’s no such thing as a perfect boss or a perfect company. If you’re looking for either one, you’re doomed to a life of disappointment.” Disney, like any other company, faced challenges, and so does KMBI. But beyond the blunders and defeats, they continued to work, shared their mistakes, and consistently focused on what is important – they move as ONE.

As KMBI strived to move as ONE, Sir Dave shared important lessons from the ants. Same as those from the mouse, it tells us to be united.

In the Bible, Paul tells us something significant about God and unity. Romans 15:5-6 says May the God who gives endurance and encouragement give you the same attitude of mind toward each other that

Christ Jesus had, so that with one mind and one voice you may glorify the God and Father of our Lord Jesus Christ. In verse

five, Paul mentioned two aspects of God’s character i.e. steadfastness and encouragement. In today’s changing world (and at KMBI), one of the things we need is someone who is steadfast and reliable. When we are down and disappointed, we need a lift by receiving encouragement. The God we worship gives endurance and encouragement. Paul’s prayer is that the God of steadfastness and encouragement will “grant us to live in harmony with one another, in accordance with Christ Jesus.”

Why Ants?Ants are mentioned in the bible, in Proverbs 6:6-8

and Proverbs 30:24-25. In proverbs 6, Solomon invites us to study the ant for the purpose of learning wisdom. Ants have no

commandment; yet, they work together to store food for the winter. Proverbs 30:25 makes a similar point, ants are creatures of little strength yet they store up their food in the summer. Now, how does little ants with little strength managed to store enough food to make it through the winter months? The answer is, they start early, they look to the future, they pull their strength, and they work together for the common good. Let us consider the ways of the ant. Thousands of years ago King Solomon said, go to the ant, consider her ways and be wise.

Facts about AntsThere are over 10,000

The Power of

Unity

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Take a lesson from the ants, you lazybones. Learn from their ways and be wise! Even though they have no prince, governor, or ruler to make them work, they labor hard all summer, gathering food for the winter.”

- Proverbs 6:6-8.

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to eat, they immediately inform others by leaving a trail of scent. They share everything. That’s how they love one another and work as a team.

3. Ants are hardworking. They keep themselves busy all day long. Whenever they face obstacles, they never give up so easily. They are not afraid of carrying objects bigger than they are.

Power of

UnitySee how ants work together and care for one another? Today, as we move forward as one, we want our staff to be just like how ants care for one another. Walang iwanan! The call for us is to be ONE KMBI, in unity there is life. We shall indeed be laborers of God. It is commonly accepted that there is power in unity. “A rope made of three cords is hard to break.” Ecc. 4:12.

species of ants, they sleep seven hours a day, and can lift 10 times their weight, the ants’ abdomen contains two stomachs, one stomach holds the food for itself and the other stomach is for food to be shared with other ants. Ants are clean and tidy. Each colony of ants has its own smell. In this way, intruders can be recognized immediately. If a worker ant has found a good source for food, it leaves a trail of scent so that the other ants in the colony can find the food.

Lessons from the Ants1. Ants are great planners.

They are well organized, disciplined, and exhibits action in time. Each ant has a special job and they are organized in carrying out their tasks. The way they march one after the other is the best sign of discipline. They are always on time; they store food during summer for the coming winter. So when the winter comes they never lack anything.

2. Ants are not selfish. If they found something

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“There be four [things which are] little upon the earth, but they [are] exceeding wise. The ants [are] a people not strong, yet they prepare their meat in the summer.” - Proverbs 30:24-25.

An excerpt from Mr. David D. Gutierrez’ talk during the Luzon Staff Regrouping.By Lea Gatpandan-Domingo

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Gusto naming proteksyunan ang aming operations…na ‘wag madamay ang staff at clients.…ang naging malaking consideration ko ay ‘yung mga tao ko, kasi feeling ko accountable ako sa kanila. So sabi ko ayoko kayong iwan. Dapat sama-sama tayo kung saan man ang maging desisyon natin. Nagkasundo kami na mag-HO kami kasi standard ang process at policies. Nagkaisa kami na ito talaga yung tayuan naming desisyon. Ibinaba namin hanggang sa PA level kasi responsibility ko iyon. Ibinaba na rin namin ang information hanggang sa clients. Malaking tulong yung pinatawag kami sa Head Office at nakita namin si Sir Ed Jimenez, mas

Standing up for the

TruthF

or the past 9 months, we witnessed how the infamous January incident shook and changed KMBI. Many have left, and those who remained faithful to the mission and vision of KMBI struggled to keep things in

order, did whatever is right no matter the discomfort and sacrifices.These are the stories of our brave men and women from the field.

Those who were kept silent and simply asked to obey defied odds and stood up for what is right because of their faith and strength of character.

lalong naging kampante ako, nagkaroon kami ng peace of mind na ito talaga yung path para sa amin. Sa nangyayari ngayon sa Davao confident pa rin ako. Malaki ang challenge pero lagi kong sinasabi sa kanila na sa bawat desisyon huwag lang ang sarili ang isipin, isipin ang clients, ang image ng KMBI. Hindi na ito tungkol sa position, o sa benefits o sa salary kasi temporary lang naman ‘yun. Ang importante ay ang integrity mo, yung pagkatao mo mismo, aanhin mo ang mataas na salary kung wala kang peace of mind at di ka masaya. Ang position, darating ‘yan in God’s perfect time.

- Amy AndilabDavao Area Manager

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Standing up for the

Truth

Sa KMBI, sanay naman tayo to submit. Pero nung dalawa yung directives mula sa itaas nalito kami, but we also submit to them dati, we provide ano man ang kailangan nila sa branch noon, ang importante sa amin controlled namin ang branch kasi accountable kami dito. Pero never kaming nagpadikta sa IS namin. ‘Yun ang gusto ko, kaya nag-usap usap kami at sama-samang nagdesisyon…nagdesisyon man ako, hindi iyon sa sarili ko lang, para sa kalahatan…good talaga yung makinig at saka tingnan mo na as much as possible intact kayo.

Realization namin na it’s good na maging transparent, wala kang itatago even to the level of clients and even external partners. Itinago na nga ito nang matagal eh tapos itatago mo pa ulit, wala ka ng naitulong (kapag itinago pa).

-Crismar EscalonDigos Branch Manager

Hindi lang isang side yung pinakinggan namin actually, narinig din namin yung side ng kabila (so-called PCO). Noong time na nasuspend si Sir Rhany, pinakinggan namin s’ya hindi dahil si Sir Rhany s’ya (pertaining to Rhany’s position as Operations Director) gusto namin marinig ano ang side nya. Na-appreciate ko na yung buong team kalmado at nagdecision kami hindi para sa sarili kundi para sa branch at members. Hindi kami nagpadala sa height ng emotion, nag-isip talaga kami.

-Ilyn TarnateBranch Accountant

“Transparent po ang mga officers, nilatag po sa amin ang mga pangyayari at kung bakit po nagkagulu-gulo. Dahil malinaw sa amin ang mga nangyari, naging kampante po kami, naging isa po ang aming pag-iisip at naging normal po ang takbo ng aming operations kasi alam namin ang aming ipinaglalaban.”

- Ellen CabalanPUS Trainee

Malaki ang tiwala namin sa mga leaders namin at nakita namin na yung ginagawa nila ay sumusunod pa rin sa policy ng KMBI. Three years na ako dito at yung mga policies na yun ay given na mula ng mag-umpisa kami, kaya integrity wise, nag-kwestyon talaga kami, bakit nag-iba.

-Sheryl ManteBA Associate

Organizational PerformanceAs of September 30, 2014

Indicators

Loan Activity

Client Outreach 108,899

Loan Portfolio Php551.73M

Value of Loans Made Php1.380B

Portfolio-at-Risk 5.84%

Ave. No. of Client per PA 201

No. of Loans Made 133,815

Efficiency

Cost per Unit Lent Php0.15

Cost per Loan Made Php1,572.17

Financial Self-Sufficiency 134.83%

Operational Self-Sufficiency 143.29%

Number of Staff

MF Operations 634

Support Group 71

*Peso-dollar conversion as of September 30, 2014 - Php 44.97

Our Vision“To see people in communities live

in abundance with strengthened faith in God and in right

relationship with their fellowmen and the rest

of creation.”

Our Mission“KMBI is a Christ-

centered development organization, existing to help transform the lives of its clients by

providing sustainable microfinance, training & demand driven non-

financial services.”

Core ValuesRespectIntegrity

StewardshipCommitment to the

PoorDiscipline

InnovationExcellence

KMBI12 San Francisco Street

Karuhatan, Valenzuela CityTel (02) 291.1484 to 86

Fax (02) 292.2441http://www.kmbi.org.ph

KMBI celebrates its 28th yearWith its 40 branches, 2 satellite units and the Head Office, KMBI simultaneously celebrated its 28th Glorious Years on October 24, 2014.

With the theme Start Right: Forward to One KMBI, the Head Office and branches organized a simple gathering aimed at giving thanks to God’s faithfulness and strengthening the camaraderie among the staff. Part of the program is affirmation of the Lord’s faithfulness and commitment setting.

Each branch held a staff celebration while those involving program members varied from one

branch to the other. Valenzuela branch, in cooperation with Corporate Planning and Special Project and BIG- PPI Department, held a wellness caravan in partnership with PinoyAko, First Life, and East West who are KMBI’s partners in its Microinsurance program. It was also supported by Uniliver-PureIT who conducted an orientation on water-borne diseases and water purification and raffled off two units of water purifier as part of their pursuit to provide safe drinking water.

KMBI invested a total of P0.3M for the celebration.

2015 Collection HolidaysHOLIDAYS DATE HOLIDAYS DATE

A. Regular Holidays

New Year's Day January 1 Christmas Day December 25

Maundy Thursday April 2 Rizal Day December 30

Good Friday April 3 B. Special Holidays (Non-working Days)

Araw ng Kagitingan April 9 Chinese New Year February 19

Labor Day May 1 Ninoy Aquino Day August 21

Independence Day June 12 Additional Special Holiday

January 2

Eidul Fitr Movable date December 24

National Heroes Day August 31 Last Day of the Year December 31

Eidul Adha Movable date C. Special Holidays (Non-working Days)

Bonifacio Day November 30 KMBI last working days

December 21, 22, 23, 28 & 29