Microfinance NGOs Act

MFI NGOs back Sen. Bam’s candidacy for his work in strengthening sector

An overwhelming number of microfinance non-government organizations (MFI NGOs) want re-electionist Sen. Bam Aquino back in the Senate for his solid track record in helping the sector develop and expand their capacity to extend assistance to more Filipinos.

SEDP-Simbag sa Pag-asenso, Inc., led by its president and CEO Fr. Jovic Lobrigo, was among the first to express support behind Sen. Bam, saying he was instrumental in passing Republic Act 10693 or the Microfinance NGOs Act benefiting millions of women and their families.

“Praying that he can continue his work in the Senate,” the group said in a statement posted on Facebook. 

Eduardo Jimenez, president of Kabalikat para sa Maunlad na Buhay, Inc. (KMBI), promised to definitely vote and campaign for Sen. Bam, who, he said, collaborated and supported microfinance players even before becoming a senator.

Jimenez added that Sen. Bam’s RA 10693 supported and strengthened the work of MFI NGOs that ultimately helped micro-entrepreneurs in the country.

Mercy Abad, president of Ahon sa Hirap, Inc (ASHI), said Sen. Bam has done a lot for the “common tao”, adding that the Microfinance NGOs Act has “helped our sector serve thousands of families.” 

“We in the microfinance industry cannot thank him enough for what he has done to assist us in our work,” said Abad, believing that the country needs leaders like Sen. Bam in the Senate.

“Intelligent, with integrity (naku sigurado kayong hindi kurakot), fearless, and hard working for our country, especially for the poor. Please include him in your vote,” added Abad.

Gomby Maramba, manager for Research and Development of the Negros Women for Tomorrow Foundation, also expressed gratitude to Sen. Bam for pushing for the passage of RA No. 10693 as principal sponsor and co-author. 

“The impact of this bill is huge for the over seven million microfinance clients and their families in the Philippines,” said Maramba.

“It allowed us to continue with our non-financial services and at the same time, all microfinance NGOs are now regulated to better serve its clients,” he added.

The law sets performance standards and provides preferential tax treatment for MFI NGOs to enable them to continue to operate and serve poor Filipino communities through financing, financial literacy, livelihood, and entrepreneurship training.

Aside from the MFI NGOs Act, Sen. Bam pushed for the passage of other laws for the development of micro, small and medium enterprises, such as the Go Negosyo Act, Youth Entrepreneurship Act, Credit Surety Act and the Personal Property Security Act.

Sen. Bam joins MFIs in celebrating anniversary of significant law, MFI NGOs Act

CEBU CITY – Sen. Bam Aquino joined the microfinance community here to celebrate the third anniversary of the enactment of Republic Act 10693 or the Microfinance NGOs Act, which he spearheaded as principal sponsor in the Senate.

The reform was signed into law on Nov. 3, 2015 and has since saved the sector P479.5 million, allowing MFI NGOs to help more Filipinos in need of low-interest, no-collateral loans.

In his speech during the Ramon Aboitiz Foundation Inc. (RAFI) Microfinance Entrepreneurs Summit, Sen. Bam thanked MFI NGOs for their role in crafting RA 10693 to help them become more effective in providing assistance to millions of Filipinos.

“Talagang maganda ang ating nakakamit kapag tayo’y nagtutulungan. Kaya po natin gumawa ng mga repormang nakakatulong sa ating mga kababayan,” Sen. Bam said.

“Thanks to our law, there are more micro-loans and more training programs from MFI NGOs for Filipino families and micro-entrepreneurs,” said Sen. Bam.

The senator also said that many micro-enterprises and local entrepreneurs inspired him to push for the passage of the law in the Senate, saying RA 10693 provides them the needed assistance and opportunity to succeed.

“Kaunting tulong, kaunting oportunidad at kaya nang iangat ng Pilipino ang kanilang pamilya. Kaunting tulong at matinding pagkayod at umaasenso ang pamilyang Pilipino,” said Sen. Bam.

Before he became a senator, Sen. Bam worked closely with MFI NGOs during his time as social entrepreneur and co-founder of Hapinoy program, which assists sari-sari store owners.

“Noong binigyan namin sila ng training sa negosyo, noong iniugnay natin sila sa MFIs para makakuha ng puhunan, nagawa nilang palaguin ang kanilang munting tindahan, mapaaral ang mga anak, at makalikha ng mas mabuting kinabukasan para sa kanilang pamilya,” said Sen. Bam. 

Republic Act 10693 gives incentives to MFI NGOs to continue helping Filipinos overcome poverty not just through financing but also through financial literacy, livelihood, and entrepreneurship training.

The law also provides MFI NGOs needed support and incentives that includes access to government programs and projects, technical assistance and exemption from taxes.

Sen. Bam’s advocacy for micro, small and medium enterprises inspired him to push for the enactment of several laws, such as the Go Negosyo Act, Youth Entrepreneurship Act, Credit Surety Act and the Personal Property Security Act.

Bam: MFI NGOs provide lower-interest, no-collateral loans to poor, micro-businesses

Rather than be burdened by high-interest loans collected by loan sharks and other informal lenders, Sen. Bam Aquino encouraged the public to approach m​icrofinance non-government organizations (​MFI ​NGOs) for lower-interest and no-collateral financing.

“Madali nga ang proseso ng pangungutang sa 5-6 subalit pinapatay naman tayo sa laki ng interes sa kanilang mga pautang,” said Sen. Bam.

 “Upang hindi na tayo mabigatan sa malaking interes, subukan nating lumapit sa mga MFI NGOs sa iba’t ibang bahagi ng bansa na nagbibigay ng pautang sa mas mababang interes at walang kolateral,” added Sen. Bam.

Sen. Bam explained that some micro-business owners were forced to close shop due to the high interest being collected by loan sharks. But businesses flourished after obtaining loans and undergoing training from different MFI NGOs in the country.

 “Huwag sayangin ang kita sa malaking interes na sinisingil ng 5-6,” said Sen. Bam.

 Aside from low-interest loans, MFI NGOs also provide clients with trainings and other business development skills that they can use to grow their livelihood. MFI NGOs also help in community organizing and values formation and offer other services like insurance and education and health-related loans to their regular clients.

Before he was elected as senator, Sen. Bam worked with MFI NGOs as a social entrepreneur.

During his term as chairman of the Committee on Trade, Commerce and Entrepreneurship in the 16th Congress, Sen. Bam sponsored and co-authored Republic Act 10693 or the Microfinance NGOs Act to ensure MFI NGOs continue to operate and serve poor Filipino communities.

 Sen. Bam said the MFI NGOs Act will help eradicate 5-6 by giving Filipinos an alternative means to obtain low-interest, no-collateral loans.

Republic Act 10693 gives incentives to MFI NGOs to continue helping Filipinos overcome poverty not just through financing but also through financial literacy, livelihood, and entrepreneurship training.

The law also provides MFI NGOs needed support and incentives that includes access to government programs and projects, technical assistance and exemption from taxes.

 In addition to the MFI NGOs Act, Sen. Bam will be looking into other measures where government can further support the MFI sector.

 Microfinance NGOs have been operating in the country since 1986. According to latest data, MFI NGO members of the Microfinance Council of the Philippines, Inc. (MCPI) have five million active borrowers.

 For a full list of MFI NGOs in the country, please visit http://www. microfinancecouncil.org/ regular-members/.

Bam: Support Microfinance NGOs to end 5-6, loan sharks

Sen. Bam Aquino called on the government to strengthen microfinance institutions (MFIs) in the country to give millions of Filipinos a better alternative from loan sharks and other informal lenders that burden them with unreasonable and high interest rates.

“Dapat palakasin ng pamahalaan ang ating microfinance institutions upang tuluyan nang magwakas ang pagdepende ng mga Pilipino sa 5-6 na naniningil ng sobra at hindi makatwirang interes na lalo pang nagpapahirap sa kanila,” said Sen. Bam.

 “Sa tulong ng Microfinance NGOs, mayroon nang alternatibong malalapitan ang mahihirap at maliliit na negosyante para makakuha ng pautang sa mababang interes at walang collateral,” the senator said.

 Sen. Bam made the pronouncement after it was reported that around three million Filipinos, mostly small entrepreneurs, are indebted to loan sharks and informal lenders.

 Despite the high interest, many Filipinos are enticed to obtain financing from loan sharks because they are not required to submit documentary requirements and collateral, unlike in banks.

 “Hindi na tayo kailangang kumapit sa patalim at kumagat sa 5-6 dahil mayroon tayong microfinance NGOs na handang magbigay ng pautang sa mababang interes at walang collateral,” Sen. Bam said.

 Microfinance NGOs provide Filipinos access to low-interest, no collateral loans to pay for housing, medical, and educational needs as well as loans for small businesses.

 Sen. Bam was the principal sponsor and co-author of Republic Act 10693 or the Microfinance NGOs Act during his term as chairman of Committee on Trade, Commerce and Entrepreneurship in the 16th Congress.

 “Layunin ng batas na ito na mailayo ang mahihirap sa malaking interest na sinisingil ng loan sharks at masusuportahan ang pagnanais ng gobyerno na mabura ang talamak na 5-6,” he said.

The law gives incentives to microfinance NGOs to continue helping Filipinos overcome poverty not just through financing but also through financial literacy, livelihood, and entrepreneurship training.

The law also provides microfinance NGOs needed support and incentives that includes access to government programs and projects, technical assistance and exemption from taxes.

Bam: Boost MFI NGOs to beef up campaign vs loan sharks

While it aggressively pursues abusive loan sharks, the government must also strengthen the country’s microfinance institutions (MFI) to help address the financing needs of the poor, according to Sen. Bam Aquino.

“As author of the Microfinance NGOs Act, we are supportive of eradicating 5-6 in the Philippines,” said Sen. Bam, referring to Republic Act 10693, which he pushed as co-author and principal sponsor during his term as chairman of Committee on Trade, Commerce and Entrepreneurship in the 16th Congress.

 The senator pointed out there are better alternatives to 5-6, like MFIs NGOs that provide alternative low-interest, no-collateral financing to the poor and would-be entrepreneurs who need loan to start their own business.

 “There are better alternatives to 5-6, whether these are government programs, or led by the private sector. Mas magandang masuportahan ang mga grupo at programang ito na regulated ng goberyno na makapagbibigay rin ng pautang na hindi kasintaas ng mga 5-6 ang interes,” he added.

 Sen. Bam called on the BIR to finalize tax regulation for MFI-NGOs for the law to be fully implemented and fulfill its mandate to give the poor low-interest financing.

 Microfinance NGOs provide Filipinos access to low-interest, no collateral loans to pay for housing, medical, and educational needs as well as loans for small businesses.

 Republic Act 10693 gives incentives to microfinance NGOs to continue helping Filipinos overcome poverty not just through financing but also through financial literacy, livelihood, and entrepreneurship training.

The law also provides microfinance NGOs needed support and incentives that includes access to government programs and projects, technical assistance and exemption from taxes.

 “MFI NGOs aid our poor countrymen in times of inflation and price increases. They also provide financing and training for livelihood and small businesses so families can overcome poverty,” he said.

 In 2013, MFI NGO members of the Microfinance Council of the Philippines, Inc. (MCPI) had a gross loan portfolio of over 15.26 billion pesos catering to more than 2.7 million micro-entrepreneurs.

 At the same time, Sen. Bam called on concerned government agencies to expedite the release of the implementing rules and regulations for Republic Act 10744 or the Credit Surety Fund Act.

 Aquino, author and sponsor of the measure’s Senate version, said it will institutionalize the CSF program of the Bangko Sentral ng Pilipinas (BSP), which addresses loan requirements ranging from P200,000 to P5 million.

 

Bam: Microfinance NGOs Act to help eradicate “5-6”

The Microfinance NGOs Act will help the government’s plan to eliminate loan sharks or “5-6” as it will provide the poor with alternative low-interest, no-collateral financing, according to Sen. Bam Aquino.

 

“Sa Microfinance NGOs Act, may alternatibong malalapitan ang mahihirap at maliliit na negosyante para makakuha ng pautang sa mababang interes,” said Sen. Bam.

 

“Sa batas na ito, mailalayo ang mahihirap sa malaking interest na sinisingil ng loan sharks at masusuportahan ang pagnanais ng gobyerno na mabura ang 5-6,” the senator added.

 

During the 30th anniversary of 30th Anniversary of Center for Agriculture and Rural Development Mutually Reinforcing Institutions or CARD-MFI, one of the biggest MFI-NGO in the Philippines, Sen. Bam hailed the MFIs’ role in helping Filipino women entrepreneurs.

 

“When you look at the stories na lumalabas, apat na milyong kababaihan ang natutulungan na magnegosyo at makakuha ng tulong para sa kanilang, mas malaking income para sa kanilang mga anak,” said Sen. Bam.

 

“Maganda mapag-usapan ang kuwentong ito na nagdadala ng pag-asa sa kabila ng kuwentong patayan at tungkol sa drugs,” added Sen. Bam, who worked closely with MFIs as a social entrepreneur prior to being a senator.

 

Sen. Bam pushed for the passage of the Microfinance NGOs Act or Republic Act 10693 as co-author and principal sponsor in the Senate during his term as chairman of Committee on Trade, Commerce and Entrepreneurship in the 16th Congress.

 

In turn, MFI NGOs give Filipinos access to low-interest, no collateral loans to pay for housing, medical, and educational needs as well as loans for small businesses.

 

The law gives incentives to microfinance NGOs to continue helping Filipinos overcome poverty not just through financing but also through financial literacy, livelihood, and entrepreneurship training.

 

The law also provides microfinance NGOs needed support and incentives that includes access to government programs and projects, technical assistance and exemption from taxes.

 

“MFI NGOs aid our poor countrymen in times of inflation and price increases. They also provide financing and training for livelihood and small businesses so families can overcome poverty,” he said.

 

“Now that the MFI NGOs Act has been passed and the IRR signed, let’s push for its quick and effective implementation,” he added.

 

In 2013, MFI NGO members of the Microfinance Council of the Philippines, Inc. (MCPI) had a gross loan portfolio of over 15.26 billion pesos catering to more than 2.7 million micro-entrepreneurs.

 

New Law to Help More Filipinos to Get out of Poverty

Non-government organizations (NGOs) that provide micro financing to the poor who want to start their own business stand to receive more assistance from the government after the Microfinance NGOs Act was signed into law by President Aquino.

Last Nov. 3, the Chief Executive signed Republic Act No. 10693 or “An Act strengthening Non-government Organizations (NGOs) engaged in Microfinance Operations for the Poor”.

“This new law will inspire and encourage more microfinance NGOs and institutions to contribute in the promotion of the development of micro businesses all over the country,” said Sen. Bam Aquino, co-author and principal sponsor of the measure in the Senate.

The new law provides microfinance NGOs needed support and incentives that includes access to government programs and projects, technical assistance and preferential tax treatment.

Aquino, chairman of the Senate Committee on Trade, Commerce and Entrepreneurship, said the new law “is a victory for all microfinance NGOs, which have been helping the government’s poverty alleviation program for decades without getting anything in return”.

“This is a recognition of the crucial role they play in lifting our fellow Filipinos from poverty and enabling the poor to build their own businesses and create their own sustainable livelihood,” said Sen. Bam, who worked with poor communities before becoming a senator.

Microfinance NGOs provide no collateral financing to those who want to start their own small business, luring them away from loan sharks or more commonly known as “5-6”.

Aside from loans, microfinance NGOs also offer training programs and seminars to enhance the entrepreneurial skills and financial literacy of their borrowers.

“Nais pa nating paramihin ang mga tumutulong sa ating mahihirap nating kababayan,” he shared. 

The Microfinance NGOs Act is the 6th law of the neophyte senator in the 16th Congress.

MFI NGOs Act Approved on Third and Final Reading

 

 

SBA Photo MFI NGO 1 081015

 

SBA Photo MFI NGO 2 081015

Senator Bam Aquino poses with microfinance non-government organization (NGOs) beneficiaries who witnessed the Senate’s approval of SB No. 2752 or the Microfinance NGOs Act on third and final reading last Monday (August 10, 2015).

The measure aims to strengthen non-government organizations (NGOs) that provide micro financing to the poor who want to start their own business. Aside from loans, microfinance NGOs also provide training programs and seminars to enhance the entrepreneurial skills and financial literacy of their borrowers.

Senate OKs Microfinancing Non Profits that Help the Poor

A measure strengthening non-government organizations (NGOs) that provide micro financing to the poor who want to start their own business has been passed by the Senate on third and final reading Monday.

 Principally sponsored by Senator Bam Aquino, Senate Bill No. 2752 or the Microfinance NGOs Act was approved by the Senate with around 100 beneficiaries from different parts of the country in attendance.

 “The approval was a victory for all microfinance NGOs, which, for decades now, have been helping the government’s poverty alleviation program without getting anything in return” said Sen. Bam, chairman of the Senate Committee on Trade, Commerce and Entrepreneurship.

 “The passage of this measure is recognition of their crucial role in lifting our fellow Filipinos from poverty and enabling the poor to build their own businesses and create their own sustainable livelihood,” he added.

 Sen. Bam hopes that the Microfinance NGOs Act will also encourage more institutions to help in the promotion of the development of micro businesses all over the country.

 Sen. Bam said microfinance NGOs provide low-interest, no collateral financing to those who want to start their own small business, luring them away from loan sharks or more commonly known as “5-6”.

 Microfinance NGOs offer a variety of loans – from business, housing, educational and medical – to low-income households with an average nominal interest rate of 2 to 2.5% and a usual loan cycle of 6 months.

 “Mabigat po talaga ang mangutang sa 5-6 dahil halos lahat ng kinikita mo sa araw-araw, doon napupunta. Sa MFI NGOs, magaan na hulog, mahaba pa ang palugit,” said Resureccion Aquino, owner of “Angels” figurines and ceramic display and a beneficiary of a P75,000 from Kasagana-ka Development Center, Inc. (KDCI).

 Aside from loans, microfinance NGOs also provide training programs and seminars to enhance the entrepreneurial skills and financial literacy of their borrowers.

 “Nakakuha na kami ng pautang, nabibigyan pa kami ng libreng insurance at mayroon pang training para sa dagdag na kaalaman,” said Rosana Santos, owner of J-Anmos Homemade Products and a recipient of a P50,000 loan from KDCI.

 The bill also provides microfinance NGOs needed support and incentives that includes access to government programs and projects, technical assistance and exemption from taxes.

 “With this Act, we will be able to reach more Filipinos in poor communities, enabling us to fulfill our mission as an institution – lifting the poor out of poverty and bringing our nation towards development,” said Dr. Aris Alip, founder and managing director of Center for Agriculture and Rural Development – Mutually Reinforcing Institutions (CARD-MRI).

 CARD-MRI is the biggest MFI NGO in the country, with around 1,780 branches in different parts of the Philippines.

 “The support that the bill accords to microfinance NGOs would ultimately benefit the enterprising poor in terms of greater affordability, accessibility, and variety of micro finance programs and services geared towards the expansion of their livelihoods and furthering their transformative contributions to community development,” the Microfinance Council of the Philippines said in a statement.

 With the House version of the measure already approved, a bicameral conference committee meeting will be held in the coming days to consolidate and finalize the provisions before it will be transmitted to Malacanang for President Aquino’s approval.

Bida Ka!: Ulat sa mga Bida

Mga Bida, noong unang araw ng Hulyo ay nakadalawang taon na tayo sa Senado. Sa panahong ito, dumaan tayo sa maraming hamon at pagsubok habang ginagampa­nan ang tungkuling ibinigay ninyo sa akin bilang isang mambabatas.

Pumasok tayo sa Senado sa panahong batbat ito ng kontrobersiya, tulad ng pork barrel scam ni Janet Lim Napoles. Sa unang taon natin, bagsak ang Senado sa mata ng taumbayan dahil sa kontrobersiya sa PDAF at iba pang isyu ng katiwalian.

Sa kabila nito, hindi tayo nawalan ng pag-asa na muling babalik ang tiwala ng taumbayan sa aming mga mambabatas basta’t tuluy-tuloy lang ang ating pagtatrabaho para sa kapa­kanan ng mas nakararaming Pilipino.

Kaya itinuon natin ang pansin sa pagtupad sa mga pangako natin noong kampanya na trabaho, negosyo at edukasyon. Ipinursige natin ang pagpasa sa ilang mahahalagang batas na makatutulong upang ito’y maging katuparan.

Ngayong papasok na tayo sa ikatlong taon sa ating termino, nais nating ibahagi sa inyo, mga Bida, ang ating nagawa noong huling dalawang taon sa Senado.

Apat na batas kung saan tayo ang may-akda, co-author o ‘di kaya’y principal sponsor ang naisabatas sa loob ng dalawang taon.

***

Noong nakaraang taon, naisabatas ang Go Negosyo Act kung saan itinatakda ang paglalagay ng Negosyo Center sa lahat ng munisipalidad, siyudad at lalawigan sa buong Pilipinas.

Sa Go Negosyo Act, nabigyang katuparan ang ating pa­ngako na tututukan natin ang paglikha ng trabaho at pangkabuhayan, pagpapalago ng maliliit na negosyo at pagsasaayos ng mga sistemang magpapadali sa pagnenegosyo.

Inaprubahan din ng Pangulo ang Philippine Lemon Law, na nagbibigay proteksyon sa mga bumibili laban sa mga depektibong kotse.

***

Ngayong taon, nais nating ibalita na napirmahan na ng Pangulo ang Philippine Competition Act, ang batas na magbibigay ng pantay na pagkakataong lumago sa lahat ng negosyo sa bansa.

Parurusahan nito ang anumang anti-competitive agreements at pang-aabuso ng malalaking kumpanya, at buburahin ang mga kartel na kumokontrol sa supply at presyo ng bilihin sa merkado.

Lubos kong ipinagmamalaki ang nasabing batas dahil naipasa ito sa ating panahon bilang chairman ng Senate Committee on Trade, Commerce and Entrepreneurship matapos mabimbin ng 25 taon sa Kongreso.

Naaprubahan na rin ng Pangulo ang Foreign Ships Co-Loading Act, kung saan papayagan na ang mga dayuhang barko na may dalang imported cargo o ‘di kaya’y cargo na nakatakdang ipadala sa ibang bansa, na dumaong sa iba’t ibang pantalan sa Pilipinas.

Sa batas na ito, bababa ang gastos sa pagpapadala, mas magiging maayos ang sistema ng import at export ng bansa at bababa ang presyo ng mga bilihin. Makatutulong din ang batas para paluwagin ang malalaking pantalan sa bansa.

Maliban sa dalawang batas na ito, naghihintay na lang ng pirma ng Pangulo ang Youth Entrepreneurship Act, na magandang sandata upang labanan ang lumalaking bilang ng kabataang walang trabaho sa bansa, na nasa 1.32 milyong kabataan.

Nakalusot na rin sa ikatlong pagbasa ang Responsive, Empowered, Service-Centric Youth Act, na layong patibayin ang partisipasyon ng mga kabataan sa pagpaplano sa mga sakuna at trahedyang dumarating sa ating bansa.

Nakapaghain na rin tayo ng committee report sa Microfinance NGOs Act, na layong palakasin ang sektor na nagbibi­gay ng mga pautang at iba pang tulong sa mga negosyo para sa maliliit na negosyante.

***

Hindi lang paggawa ng batas ang ating tinutukan noong nakaraang taon kundi ang pag-iimbestiga sa ilang mahaha­lagang isyu, tulad ng mabagal at mahal na Internet sa bansa.

Sa isang taon nating pag-iimbestiga, nahikayat natin ang mga telcos na tanggapin ang IP peering ng Department of Science and Technology (DOST). Naglabas na rin ang Department of Justice (DOJ) ng panuntunan laban sa mapanlinlang na Internet print, TV at radio advertisements.

Anumang araw mula ngayon, ilalabas na rin ng National Telecommunications Commission (NTC) ang memorandum circular na magtatakda sa kalidad ng standards na susundin ng lahat ng telcos, maging broadband o DSL.

Inimbestigahan din natin ang pagsisikip sa pantalan ng Maynila sa pagsisimula ng taon. Matapos ang ilang pagdinig, nanumbalik na sa normal ang operasyon nila.

Panghuli, nakipagtulungan din tayo sa Department of Trade and Industry (DTI), mga lokal na pamahalaan, eskuwelahan, mga business clubs at iba pang pribadong grupo para itayo ang mga Negosyo Centers na tutulong sa maliliit na negosyante.

Ayon sa batas nating Go Negosyo Act, papada­liin ng mga Negosyo Centers ang pakikipagtran­saksyon sa pamahalaan ng mga negosyo, magbibigay ito ng kaukulang abiso, training at serbisyo para lalo pang mapalago ang ating mga pinapangarap na k­abuhayan.

Mayroon na tayong naitayong 61 Negosyo Centers sa buong bansa pagkatapos ng kalahating taon at magbubukas pa ng mahigit 50 sa pagtatapos ng taon.

Mga Bida, patuloy kaming nagpapasalamat sa walang-sawang suporta ninyo sa aming opisina. Sa kabila ng mga naabot natin sa ikalawang taon, hindi pa rin tayo titigil sa pagtatrabaho upang lalo pang mapaangat ang kalagayan ng ating mga kababayan at ng buong bansa!

 

First Published on Abante Online

 

 

Scroll to top