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
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Out of
the target 1,617 LGUs, 622 or 38% have replicated BSRP in their respective
areas of jurisdiction for the year 2005.
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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.
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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.
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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.
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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.
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formally adopting of
the Project;
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appropriating funds for
Project implementation;
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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
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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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