CHAPTER I
COMPANY
PROFILE
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ASKI OVERVIEW
The first year of any operation is called the pilot year. Perhaps this is a metaphor for
practice flying or taking to flight a plane or a simulator spaceship. In the case of ASKI, it
seems better to think of it in its maiden year of operations as a small probe, a space rover
in the outer space
that is connected
to its mother ship
through
an
umbilical cord.
The mother ship
is no less than the
TSPI. TSPI was a
pioneer
non-
government
organization
(NGO), otherwise
known as a civil
society organization when that concept was still unheard of in the Philippines. One of the
objectives of TSPI is the desire to alleviate poverty, that is “empowering the poor through
microfinance development.” TSPI was established in 1981 receiving assistance from the
Maranatha Trust Australia and Opportunity International, USA.
The original concept was that TSPI would set up three new organizations in the different
parts of the country over a period of five years. TSPI Director, Eliseo Lademora visited
Cabanatuan and he was introduced to Mr. Norberto Diego Sr., Dr. Gemiliano Calling, Sr.,
Marceliano Buco, Trinidad Viloria and Elenita Salvador where he discussed the different
programs of the company.
Why in Nueva Ecija? Perhaps because its prominent citizens were thought to be
responsive to calls for change, including alleviating the poverty that spread during
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Martial law. The leader of government, Cory Aquino, created a lot of goodwill
throughout the world for restoring democracy and Nueva Ecija could be a fertile ground
for aid. From such seeds, ASKI sprang forth. ASKI was first called Gabay Sa Pag-unlad,
Inc.
ASKI was officially registered with the Securities and Exchange Commission (SEC) on
March 23, 1987 as a non-stock, non-profit organization committed to the promotion and
development of micro and small-to-medium enterprises and the delivery of social
services and formally launched operations on July 1, 1987.
ASKI’s unfaltering dedication to affect positive change in the lives of microentrepreneurs by providing SOCIO-economic development and spiritual transformation
had paved the way in realizing our commitment to create opportunities in serving
communities. Today, we are geared towards guiding the poor to experience the fullness
of life through the holistic approach and diverse and integrated programs and services we
offer.
ASKI AS A MICROFINANCE ORGANIZATION
“Microcredit, or microfinance, is banking the unbankables, bringing credit, savings and
other essential financial services within the reach of.millions of people who are too poor
to be served by regular banks, in most cases because they are unable to offer sufficient
collateral. In general, banks are for people with money, not for people without.” (Gert
van Maanen, Microcredit: Sound Business or Development Instrument, Oikocredit ,
2004)
ASKI does not make loans alone……it extends financial helps to those people who are
poor and low income earner with the ……
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ASKI LOGO
ASKI’s logo immediately tells us that Christian values animate the organization: the
world appears to be held by two encompassing hands and overlaid by a cross. In ASKI’s
own words: “two open palms anchoring a globe and a tall cross standing in the middle of
them.”
Cross: Jesus Christ Encompassing Hands: ASKI PEOPLES Globe: Needy
VISION
A God-centered, model microfinance organization committed to serve the needy in
Luzon through socio-economic development and holistic transformation
MISSION
Enhance spiritual life of our stakeholders through daily devotions, retreats and Christian
enrichment activities.
Ensure economic security of our clients by providing financial services and technical
expertise.
Link with domestic and foreign partners to realize community development programs and
projects.
Develop talents and skills of BOT’s, managers and employees
Safeguards resources, well-being and prestige of ASKI
CORE VALUES

God-centeredness

Stewardship

Committed to serve the poor

Integrity

Excellence

Respect for people
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DIRECTORY OF PARTNERS
A. NETWORK AFFILIATION AND MEMBERSHIP
•
Nueva Ecija Lenders Association (NELA)
•
Nueva Ecija Chamber of Commerce & Industry ( NECCI)
•
Small Medium Enterprise Development (SMED) Council, Nueva Ecija
•
Central Luzon Association of Microfinance Institutions, Inc. (CLAM)
•
Microfinance Council of the Philippines, Inc. (MCPI)
•
Alliance of Philippine Partners in Enterprise Development (APPEND)
•
Christian Micro-Enterprise Development (CMED) Network
•
Opportunity International (OI) Global Network
•
Banking with the Poor Network
•
Risk Management Solutions, Inc (RIMANSI)
•
Philippine Council for NGO Certification (PCNC)
B. FOREIGN PARTNERS
•
Tear Fund of New Zealand
•
Asia Development Assistance Facility (ADAF)
•
Voluntary Agency Support Scheme (VASS)
•
Opportunity International (Australia, United Kingdom, United States, Canada)
•
OIKO Credit (Asia Pacific Region)
•
Australian Agency for International Development (AusAID)
•
Plan International (Plan-Philippines)
•
Micro Finance Management Institute - USA
C. LOCAL PARTNERS
•
Development Bank of the Philippines (DBP)
•
Metropolitan Bank and Trust Company (MBTC)
•
United Coconut Planters Bank (UCPB)
•
Peoples Credit and Finance Corporation (PCFC)
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•
Sustainable Economic Activity Development, Inc. (SEAD)
•
Center for the Development of Human Resources in Rural Asia, Inc.
(CENDHRRA)
•
National Livelihood Support Fund (NLSF)
•
Landbank Countryside Development Foundation, Inc.
•
SBGFC (SB Corporation)
•
Community Organizers Multiversity (CO Multiversity)
•
Globe Telecom
•
MEDIA, Inc. (Kwentong Negosyo)
•
Pinoy ME
•
Foundation for a Sustainable Society, Inc (FSSI)
D. SCHOOLS, UNIVERSITIES, RESEARCH INSTITUTIONS
•
Central Luzon State University (CLSU)
•
Philippine Rice Research Institute (PhilRICE)
•
Nueva Ecija University of Science & Technology (NEUST)
•
College of the Immaculate Concepcion
•
ABS-CBN Bayan Academy (GEM Training)
E. NATIONAL GOVERNMENT AGENCIES/OFFICES
•
TESDA
•
Department of Science & Technology (DOST) – Region III
•
National Anti-Poverty Commission (NAPC)
•
Department of Trade & Industry (DTI)
•
Department of Social Welfare & Development (DSWD)
•
Cooperative Development Authority
•
Department of Agriculture (DA)
•
Bureau of Fisheries and Aquatic Resources (BFAR)
•
Department of Education (DepEd)
•
National Economic Development Authority (NEDA)
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•
Philippine Health Insurance Corporation (Philhealth)
F. LOCAL GOVERNMENT UNITS
•
Provincial and Municipal Government Units in the Provinces of:
Nueva Ecija
Tarlac
Isabela
Cagayan Valley
Aurora
Pampanga
Bulacan
Pangasinan
ORGANIZATIONAL STRUCTURE
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ASKI BOARD OF TRUSTEES
MS. MARIA L. CALLING Chairman & President
Mrs. Maria Calling is the wife of
the late ASKI Chairman and
President Dr. Gemillano Calling.
Serving ASKI for 2 years and 5
months as the previous Board
Member and Auditor, she has the
passion and generosity to share
her blessings by helping out the
needy. She is a registered nurse
and worked in United States from
1963-1965. She has years of
professional
nursing
educator
experience and on top of this, is
her becoming Dean for College of
Nursing
in
Cabanatuan
City
Colleges from 1975-1983. After
which, she focused in managing
their family business and in
assisting
her
daughter
who
established a foundation called Giving Assistance through Vocational Education which
sponsors scholarships for less fortunate yet deserving students.
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MS. ALICIA G. CALIWAG - Vice Chairmanperson &
Vice President
Ms. Alice G. Caliwag earned her college diploma and was
cited Cum Laude in the University of the Philippines. She is
the Head Directress and Dean of college department of the
REH Montessori in Talavera, Nueva Ecija. An active Board of
Trustee and member of FAMILIA Foundation of Nueva Ecija,
Inc and Local Water Utilities Admin for Talavera.
MS. AURORA J. MANGALILI –Corporate Sec.
Mrs. Mangalili is the head Catechist of St. Isidore
Catechetical Ministry in Talavera Nueva Ecija. She is also a
member and resource person of Parish Renewal Experience of
Cursillo for Women and a Consultant/Administrator of Nueva
Ecija University of Science and Technology (NEUST) at
Talavera, Nueva Ecija.
MS. DOMINGUITA B. RIVERA - Treasurer
Mrs. Rivera graduated with a degree of Bachelor of Science in
Commerce major in Management at College of the Immaculate
Conception (CIC) in Cabanatuan City in 1974. She was an
employee of the Development Bank of the Philippines in 1986.
Being a religious woman that she is, in 1991 she pioneered the
foundation of the Divine Mercy Crusade of Nueva Ecija
Foundation, Incorporated.
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MR. REYNALDO V. VILLANUEVA - Auditor
Mr.
Reynaldo
Villanueva,
A
graduate
of
Business
Administration from St. Joseph's College in USA in 1982. He
Finished his MBA at Ateneo de Manila University. He actively
serves church and community activities where he both handles
major position as a leader. He is the President of Nueva Ecija
Electric Cooperative, Inc. (NEECO II) from 1993 up to present. He also sits as Corporate
Treasurer of the Central Luzon Power Transmission Development Corporation since
1996. Currently, he is also the Vice President of Philippine Rural Electric Cooperative
Association (PhilRECA).
MR. MARK DANIELS - Member
He is a Certified Public Accountant and a lecturer at the same
time. He is the Asia Development Director of OI-Australia.
Board of Director of Opportunity Microfinance in India and
OK Bank in the Philippines.
REV. SAMUEL R. PADOLINA - Member
Pastor Padolina Finished his post-graduate studies at B.D.
Union Theological Seminary in Manila. He is an active
Minister of the United Methodist Church (UMC) Nueva Ecija
from 1958 - 1986. In 1987, he became the District
Superintendent of UMC - Nueva Ecija. Born in Gen. Tinio, Nueva Ecija, Rev. Padolina,
at present, is the School Director of Roxy Leffroge Foundation College in Palayan City
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MR.ROLANDO B. VICTORIA –
Executive Director /Ex-Officio Member
A Certified Public Accountant, Mr.
Victoria received his college diploma
at the Araullo Lyceum (now Araullo
University) in Cabanatuan City, with a
degree of Bachelor of Science in
Commerce. He also obtained a special
course in Program for Development
Managers
at
Management.
Asian
23
Institute
years
in
of
the
microfinance industry, Mr. Victoria
was known as one of the pioneers of
microfinance in the Philippines which
made him held the presidency in
various microfinance councils and
attended international trainings and
exposures around the globe. Currently, he is the Board Member of ABS-CBN Bayan
Academy for Social Entrepreneurship, Microfinance Council of the Philippines, Inc
(MCPI) and Central Luzon Association of Microfinance Institutions, Inc. (CLAM). Mr.
Victoria is also the Vice-President of Risk Management Solution, Inc. (RIMANSI) and
the Vice Chairman of Alliance of Philippine Partners in Enterprise Development
(APPEND). A true servant at heart, he extends his service to his pastoral community in
the municipality of Talavera and was the former President of FAMILIA Foundation of
Nueva Ecija, Inc.
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ADVISORY MEMBERS
DR. CONCHITA T. PECACHE- Advisory Member
Conchita T. Pecache Advisory Board Dra. Pecache lives in
Talavera Nueva Ecija. She is an anesthesiologist and earned
her college degree as Doctor of Medicine at the University of
Sto. Tomas (UST).
MS. ARMI S LINSANGAN - Advisory Member
Ms. Armi S. Linsangan is a Certified Public Accountant, a
Tax Consultant, Trainer/Lecturer at the same time. She was a
former Chairman of the Sustainable Economic Activity
Development, Inc. and a former Division Chief of the BIRLarge Taxpayers Audit & Investigation Division 1. She
graduated with the degree of BSC-Accounting at the Phil.
College of Commerce, CUM LAUDE. She also finished her Master of Science in Custom
Administration at Phil. Maritime Institute, Manila
MR YI BIO GAN
Yi Bio Gan Advisory Board An active leader in Socio-Civic
Organization in Cabanatuan, as well as, in the province of
Nueva Ecija. He facilitates outreach activities of Nueva Ecija
Lions' Foundation like "Blood Letting Program" and "Free
ECG and Consultation" especially for the poor people in
Nueva Ecija. Mr. Gan coordinates with the Philippine
National Red Cross in providing free laboratory medical exams. Mr. Gan is engaged in
trading business.
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ASKI’S SENIOR MANAGEMENT TEAM
MS. EMETERIA F. QUIJANO
Director, FAMA Department
MS. JANE M. MANUCDOC
Director, Credit Operations
MS. ZORAIDA M. LIBUNAO
Director, Resource Mobilization
MS. DIVINA GRACIA C. SANTOS
Director, HRD
MS. MARY JANE P. MACAPAGAL
Director, Research and Training Institute
MS. BABYLYN F. DELA
Director, ASKI Foundation
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Ms. Areli Vega
General Manger, ASKI MBA
Ms. Mary Grace Pena
Manager, Internal Audit
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ASKI MICROFINANCE PRODUCT
A. ALALAY SA KABUHAYAN PROGRAM (Self-Help Group) - AKP
A self -help group lending program that encourages borrowers to organize and
form groups in order to avail loans for income generating projects. It integrates
community organizing with economic activity, thereby promoting clients' unity,
cooperation, leadership and value formation. Loans are collateral free, thus
benefiting poor entrepreneurs. In place of collateral, the self-help groups apply
peer pressure and mutual guarantee mechanisms to encourage members to pay
their obligations on time.
B. Individual Lending Program (ILP)
Provides loans to individual home - based business owners outside the public
market or central business district. This program covers owners of small variety
stores, food shops, novelty stores or other small establishment located inside
residential properties.
C. Alalay sa Magsasaka Program (AMP)
Emerged as an incentive program of ASKI for good clients of MFI. It provides
financial support to clients involve in agribusiness. Today, the program also
extends its servicfes to non-clients of the organization. It aims to help farmers
avail financial services suitable to their needs and offer technical assistance to
develop farmers' skills and technologies in farming.
Alalay Sa Magsasaka Program (AMP) is now part of the major products
introduced by ASKI to respond to the needs of the farmers for crop production
and livestock raising.
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