The BAYANIHAN SAVINGS REPLICATION PROJECT (BSRP) is a community-based savings, microfinance and enterprise development program that builds the capacities of low-income families in handling their finance and managing their livelihood. It was conceptualized adopting the Filipino Value of working and helping each other towards a common goal. It was conceptualized adopting the Filipino Value of working and helping each other towards a common goal.

The project introduces an innovative approach to strengthen LGU capacities to be effective entrepreneurs and development managers, through the strengthening of linkages with NGOs/Pos/CSOs and the private sector and increasing LGU access to micro-finance institutions and official development assistance.( Read more about BSRP)

ACCOMPLISHMENTS

  • Out of the target 1,617 LGUs, 622 or 38% have replicated BSRP in their respective areas of jurisdiction for the year 2005.
  • As of January 2006, there are already 4,856 organized BCs and 113,293 BC members with a total savings of PhP 69,261,057.23.
  • From these organized BCs, 70% or 3,385 are engaged in various entrepreneurial activities such as sari-sari stores, retailing and wholesaling of agricultural products, hog- raising, cattle buy and sell, etc.
    By end of 2005, 80,230 members have benefited through the lending activities of matured BCs, some of whom have engaged their loans in livelihood activities.
  • A Memorandum of Agreement has been forged between the Department and the Bayanihang Pilipino, Inc. (BaPI), an NGO to sustain the gains and continuous operations of all BSRPs organized under DILG initiative.
    Along this line, preparatory meetings and discussions with another NGO, Kanayunan Techno-Transfer, Inc, are on-going in support of the BSRP-FCs organized by DILG. This will be in the form of livelihood assistance particularly for agricultural products and poultry production.
  • Technical assistance was also provided to several clients interested in replicating the BSRP. This includes the recently-conducted Orientation-Briefing for Seaweed Farmers in Region X and CARAGA.

What are steps involved in implementing the BSRP at the LGU level?

Step 1. The City/Municipal LGOO, with the assistance of the DILG Regional and concerned Provincial Office, facilitates the "matching" or partnership between the LGU and trained BSRP Local Technical Specialists (LTS) in the locality.

Step 2. The City/Municipal LGOO facilitates the issuance of a Local Executive Order by the Mayor and /or Resolution by the Sangguniang Panlungsod or Sangguniang Bayan.

  • formally adopting of the Project;
  • appropriating funds for Project implementation;
  • creating the Project Management Group (PMG) composed of one (1) representative from LGU (preferably the Cooperative Development Officer, if present) as Chair; (2) representatives from community organizations in the locality; at least one (1) BSRP Local Technical Specialist (LTS) or trained BC organizer; and the City/Municipality LGOO; and
  • providing for the functions of the PMG as the overseer of the Project and the body responsible for planning, implementing and evaluating all phases of Project implementation in the locality.

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Step 3. The City/Municipal LGOO, as chair, convenes the PMG to plan the suceeding activitiesof the Project. The Cooperative Development Office (or any other office designated by the Mayor) acts as secretariat of the PMG. The PMG meets at least once a month to monitor and evaluate the status of operations of all BCs under its jurisdiction.

Step 4. The PMG facilitates the conduct of the Local Project Launching by the LGU. This is undertaken through a general assembly of all stakeholders of the Project, such as barangay leaders, community organizations (vendors associations, transportassociations, PTA, homeowners associations, etc.) local residents, and others. During the launching, commitment and support to the Projects is generated, and volunteers from each community organization are identified to become would-be Bayanihan Center (BC) organizers.

Step 5. The PMG schedules and conducts Training I for would-be Project organizers and promoters and selects the trainees from among the identified community organization volunteers. Training I is a 3-day training on the Operating Principles of the Program. The LGU sponsors Training I and BSRP LTS or BC Organizer acts as trainer. It is recommended to have at least forty(40) trainees per batch for Training I to graduate at least twenty-five (25) BC organizers per batch.

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Step 6. Formulation and Operation of Bayanihan Centers

Formulation:

Graduates of Training I (now accredited BC organizers) are expected to organize at least two (2) Bayanihan Centers each within two (2) weeks after graduation, and facilitate the operation of these BCs for at least a six-month period. Each BC should have 20-30 members. BCs develop their own system/policies on savings and loans, and on livelihood undertakings if they later decide to venture into these. Members are taught how to organize and to operate the BBP. BC members may be provided with accident insurance and an emergency fund is made available from their savings. The BC serves as the model of harmony, unity, and effective collective action on barangay issues and concerns. They have the option of either forming their own cooperative or joining an existing one at a later period. Operations of each BC involve the election of BC officers and weekly meetings, which include value formation, team building and savings generation. Only BCs that remain active and operational beyond the 6-month testing period are authorized to go into lending operations for its members.

Team Building and Values Formation:

Commitment of BC members is validated through active participation and cooperation. Members develop trust and confidence among each other and learn the value of savings. Members attend weekly meetings and remit an amount which becomes their savings. The weekly meetings become venues for skills and livelihood information dissemination, technology transfer, resource mobilization, policy making, and sharing.

Savings Mobilization:

Members of the Bc are encouraged to pleldge equal amount on a regular basis and these savings are pooled in a single grou bank account. Each member has a passbook as a proof of savings and as a record of his credit transactions. The Account Officer collects and records the deposits, and the amount is recorded in the individual passbooks as well as in a group ledger. Collection of savings and record keeping are done during weekly meetings to ensure that all members witness the taransactions. Qualified members may apply for a loan after six months. Members who have a 100 percent attendance in meetings and have not failed to remit their savings usually qualify for the loan. usage of the loaned amount is approved by the BC and te member's savings usually serves as collateral.

Regular Coaching and Monitoring:

Guidance and coaching sessions are held, wherein organizational problems and immediate issues are discussed and tackled to include issues such as non-attendance in weekly meetings, irregular remittance of savings, and issues related to withdrawals and borrowings. Coaching sessions also takle new avenues for group action such as training on enterprise development, exploration of new income-generating projects or activities, and others. Eight(8) Bayanihan Paluwagan Indicators on Social Capital Formation are applied as indicators to monitor the performance of BCs. These indicators are: mutual respect, skills compency, rectitude, wellbeing, affectio, options/opprtunities, power and wealth. These indicators are the bases for classifying BC into Class A for endorsement to the DILG Regional Office and the Central Project Management Office. (excellent), Class B (fair), or Class C (poor). Class A BCs are recommended for integration with other local and/or national development programs while those classified as Class B or C are for increased supervision.

Note:

BC organizers who have at least three (3) active BCs at the end of the testing period may be "promoted" to the level of Account Officers who have at least six (6) active BCs at the end of a one-year period are "promoted" to the level of BSRP Local Technical Specialist. Recommendations for promotion are initiated by the PMG are submitted to the DILG Provincial Office.

Step 7. During the third month of the 6-month testing period, the PMG conducts Training II on Financial Systems Development for BC treasurers and bookkeepers. This will prepare their respective BCs to go into lending operations after the testing period. Training II is also a 3-day training with a maximum of 40 trainees per batch.

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For more information, please contact us:


Ms. ZORAIDA M. AQUENDE
Div. Chief -LFRDD

Ms. ROSANNA B. BAUTISTA
Asst. Div. Chief

Ms. Rudelita R. Remoroza
BSRP, Team Leader

BSRP Project Team:
Maria Cristina M. Rubio
Elena F. Agullano
Jaime S. Vergara, Jr.

 

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