COVER HERE
RECERVED PAGE
INSIGHT
MAGAZINE
CONTENTS
Editor in Chief
Place
Ma. Michaela P. Garcia
Associate Editor
Alexander M. Calma
5
Cainta, Rizal
Gateway to the East
Managing Editor
Maria Gilda Isabel A.
Parreño
Feature Editor
Mirella Medenilla Santiago
Writers/Researchers
Gernane P. Pureza
Guia P. E. Elloso
Jo-Anne Kristine A. Silvala
Charmaine A. Villanoa
Layout and Design
RIchard Leandro Z. Garcia
Ericka Cresel N. Quimpol
JAIRO C. Cabriga
Advertising Manager
Eran Llanora Lagos
People
16
Banking News
13
14
15
18
QCRB Opens 32nd Branch
20
Garcia is RBAP’s New Corporate Secretary
Consultants
Medardo B. Medenilla
Bernardo B. Jamilla
The Scholar Institute Section
Editor
Krystelle Ariane D.
Aguilar
Manolet O. Lavides
Banking Made Easy with QCRB Internet Banking
QCRB Flexi-Home Loan
Banking on Best Practices:
A Sure Way to Success (Part II)
Special Feature
8
6
Behind the Pages: The Profile
Life is a Fiesta! Go and Celebrate
12
Kutitay’s
Cakes Galore
21
The Scholar
Staffers
Bernadette B. Alpuerto
Sharlene May E.Flores
Luwijen C. Mahinay
Mary Honeyleen Diane O.
David
Fritz B. Panganiban
Noel G. Pastorfide
Publisher
Quezon Center for Research
and Studies, Inc.
2nd floor Garcia Corporate Tower
Lucena City
For comments and suggestions please email
editorinchief@qcrs.org
Buwan ng Wika
Who is Benigno “Ninoy“ Aquino
Education: A Vital Foundation
Mary Ann Ayaay Duenas:
Conquering Life’s Challenges
From The Editor
Another year has gone by without much notice. Didn’t I tell you, time flies when you are having
fun? We, at INSIGHT, truly love what we do. We meet people. We see places. We witness events.
We work on stories that we believe might teach us a thing or two. And we share them all with
you. We are fortunate to have a job this fulfilling. For our words and works to reach the corners
of Quezon, Laguna, Batangas, and Rizal, to be read with fondness, and to affect and benefit our
readers in ways we expect them to be give us, the INSIGHT team, a sense of accomplishment
like no other.
It goes without saying that our second anniversary is a cause for celebration. We may be very
young at two, but it sure was a jam-packed two considering the grounds covered. However, we
are not claiming to have already earned laurels to rest on. We have a long way to go. There are far
more grounds to be covered. We are only too happy to do so. What began as work has become
a passion. But we assure you, it has been an advocacy all along. We exist to share insights.
In our 1st Anniversary issue, you saw the faces of the people behind INSIGHT. This being our
2nd Anniversary celebration, allow us to introduce ourselves better through a profile compiled
by our youthful counterpart from The Scholar section. Also seen in the following pages is
another batch of interesting features, personalities, events, and banking-related news that we
managed to bring together for this special issue. Please enjoy them.
The past two years, we hope we met your expectations. We value your trust above all, thus we
strive to nurture it and be worthy of it. In the coming years, we promise to continue to better
ourselves.
Our birthday wish remains the same, be with us as we journey through the next year. We are
extremely grateful for your support.
Happy 2nd Birthday INSIGHT!
Ma. Michaela Prudencio-Garcia
Editor
4
Insight Magazine
JULY - AUGUST 2011
Cainta, Rizal
Gateway to the East
The Our Lady of Light Cathedral of Cainta, Rizal
‘Bibingka’, one of Cainta’s famous delicacies
D
area are suman (rice cake wrapped in banana leaf), latik
(boiled- down coconut milk used for glazing), and coconut
jam.
In 2003, the Sangguniang Bayan passed the resolution
seeking for the cityhood of Cainta. It was opposed by
the Sangguniang Panlalawigan in view of its unresolved
boundary disputes with Pasig, Antipolo, and Taytay. Last
year, current Governor Jun Ynares III expressed his full
support on reviving the city status bid. It is now awaiting
ratification in the Senate.
Cainta has a lot to offer; culture, tradition, food,
rich history, business opportunities. More than just a
passageway, it deserves a lengthy stopover, one that will
allow you to appreciate its dual facet, old and new, merged
seamlessly together.
ubbed as such because it serves as an entryway to
the rest of Rizal, Cainta is one of the oldest towns
founded on August 15, 1571. Despite being the
second smallest in the province in land area next to Angono,
it is one of the most urbanized, thanks to its proximity to
Metro Manila. On a national scale, it is the second most
populous and second richest municipality. Its economic
growth is evidenced by the numerous commercial and
industrial establishments that have sprouted in recent years.
It goes to say that it continues to attract new businesses
because of its strategic location and large populace that
represents an extensive target market.
Going full blast on economic progress doesn’t mean
Cainta is turning its back on traditions. Through the years,
it has managed to preserve its old, unique charm. During
the Lenten Season, it is known for the Cenakulo (a stage
play of the passion and death of Christ), Ang Pagpapapako
or Penetencia (a re-enactment of the crucifixion of Christ),
and reading of the Pasyon (Seven Last Words of Christ).
These rituals date back to the early 1900s. Local and foreign
tourists alike flock every year to witness these events.
The bibingka is believed to have been adapted from
the Indian cuisine. A strong Indian influence, to this day,
is particularly evident in Barrio Dayap. During the brief
British invasion of the Philippines in 1762-1763, there
were Indian soldiers called Sepoy who came and fought
with the Brits. Some of them settled and intermarried with
the native women. The descendants of the Sepoy are easily
recognizable. They have unique physical characteristics
that make them distinct from the average Filipinos who are
primarily of Malay and Chinese origins.
Quezon Capital Rural Bank (QCRB), one of the
leading rural banks in the country today, operates a branch
in Cainta along the commercial strip of Ortigas Avenue
Extension.
Cainta is also a haven for foodies. It is not called the
Bibingka Capital of the World for nothing. This local fare
can be had at various establishments around the town. The
title was rightfully claimed when Caintanos baked the
biggest bibingka on record. Aside from this, other native
delicacies that have become sources of livelihood in the
JULY - AUGUST 2011
Insight Magazine
5
Life is a FIESTA
GO and CELEBRATE!
We are a race that loves to celebrate. Every town and village
has its own special day when their fiesta is observed. In the provinces
this is a big thing. Villagers can be mobbed by jeeploads of guests
– relatives from out of town with neighbors (and even friends of
neighbors) in tow.
T
By: Mirella Medenilla - Santiago
here are festivals galore in
many provinces. Our very own
Quezon province has its own
nationally (and I would even venture to
say internationally) renowned Pahiyas
festival where houses from floor to
rafters are decked out with decorations
made from farm produce.
Even our Philippine Christmas is
unique with an extended season that
starts as early as September and ends
around the second Sunday of January. In
our hometown of Mauban, Christmas
is celebrated for 3 days – from the 25th
to the 27th.
I remember witnessing a graphic
example of how far people will go to
make merry. My uncle who is a doctor
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Insight Magazine
had his clinic in the ground floor of my
grandparents’ house. As a child I would
sit on the stairs and peep through a
window when there’s a commotion in
his clinic. One Christmas, he treated a
man who was unconscious because of
alcohol overdose. People were panicking
because they thought he would die.
On the 27th he was back on his feet
celebrating the third day of Christmas
with his drinking buddies.
But that is an extreme way to
celebrate. On the other extreme are
people who do not know how to
celebrate. I once read about a very
successful Filipino businessman in the
States who never had time to enjoy life
with his family. He said he is successful
because he gave all of his time to his
business. He credited his wife for taking
care of their family. She was the only
one who attended to their children and
the only one present to celebrate with
them their on special occasions. Sad isn’t
it? I’m sure his children’s celebratory
mood was dampened by his absence.
In life there are important things
that we have to celebrate. There are
milestones like birthdays, weddings,
baptisms and graduations. There are
achievements like passing the board,
promotions and awards. There are even
simple things like losing an inch from
your waistline or your pre-schooler
getting a star on her artwork.
Celebrations turn events into vivid
memories that people will cherish
for the rest of their lives. These do
not have to be grand and expensive.
There are simple ways that can make
every celebration unique and special.
Here are some suggestions on how to
commemorate momentous occasions
and celebrate your life:
JULY - AUGUST 2011
L
I
V
oosen up and let your hair down. There
is nothing more depressing than a
cold fish in a party. Celebrations are
moments out of the ordinary. These
should be enjoyed because they may not
happen quite that way again. Don’t sit
on the sidelines and let life pass you by.
mmerse yourself in the moment by being present
not just physically but also mentally. There are
busy professionals who can’t seem to leave work
in the office and still carry them around in their
minds. There are teens and young adults who
zone out with their techie gadgets and miss the
interaction with other people. A celebration is a
time for people to bond and to be a part of each
others’ lives.
people in your life.
E
alue relationships. Don’t wait for
a special occasion to celebrate. Go
on weekly dates with your spouse
and your children. Prepare a special
meal for your parents. Meet up
with friends for a cup of coffee.
Celebrating life is celebrating the
relationships you are in and enjoying
the time spent with the important
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Tower, Lucena City
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xtend yourself through love. Celebrations
are times when you give the gift of your
time and presence to someone else. You
show kindness to another person when
you are there to rejoice his good fortune
or a special occasion with him.
Celebrating life and its extraordinary moments can
turn a dull existence into a glorious fiesta. So go and
celebrate because as Oprah Winfrey said,
“The more you praise and celebrate your life,
the more there is in life to celebrate.”
JULY - AUGUST 2011
QCRS Printing and
Publishing
Using our Heidelberg, Solna
offset printers, vertical,
Minerva, mimeo, RISO and
other printing machines.
Insight Magazine
7
INSIGHT, the official publication of the Quezon Capital Rural Bank (QCRB) Group, has been consistent with
its mandate of bringing forth timely and inspiring stories featuring various events, people, places and the like. For two
years, it has provided its readers worthy reading materials which aim to inspire through stories that most of us are
likely to overlook. This was made possible through the tireless effort and shared sense of commitment of the Editorial
Team.
Being the second anniversary issue, it is the perfect time to give credit to the people who passionately dedicate their
time and effort, despite their busy schedules from their respective designations at QCRB and QCRS.
So let’s take a sneak peek at their basic profiles as they share with us their personal insights.
8
Insight Magazine
JULY - AUGUST 2011
MA. MICHAELA PRUDENCIO-GARCIA
Editor-in-Chief
ALEXANDER M. CALMA
Associate Editor
“Carry out a random act of kindness
with no expectation of reward, safe in the
knowledge that one day someone might do
the same for you.”
“Laugh when you can, apologize when
you should, and let go of what you can’t
change. Letting go doesn’t mean you’re
giving up, it means you’re moving on.”
Educational Attainment: AB Psychology
(College of the Holy Spirit, Manila)
Educational Attainment: BS Commerce
Major in Accounting (Luzonian University
Foundation (now MSEUF), Lucena City)
Work: HR Consultant-QCRB; RegistrarQCRS Institute of Management
Most Memorable Insight experience:
Is every meeting when I get to trade
and share ideas with a creative bunch of
people. I also get a certain high working
on extraordinary stories that I know will
inspire us and our readers.
MIRELLA MEDENILLA-SANTIAGO
Feature Editor
“Happiness comes from seeing miracles
everyday.”
Educational Attainment: Masters in
Entrepreneurship (Asian Institute of
Management, Makati); Creative Writing
(University of Illinois, Chicago USA); BS
Business Management (Ateneo de Manila
University, Manila)
Work: Blogger and Freelance Writer;
Contributor in Kerygma Magazine,
Didache, Gabay
Most Memorable Insight experience:
I have written about a number of
personalities and interesting places but
nothing stands out more than the article
I wrote about my father, Atty. Rudy
Medenilla, to honor him on his 80th
birthday. It was a gift that held more value
and was more appreciated than if I had
thrown him a lavish and expensive party.
JULY - AUGUST 2011
Work: Executive Vice-President & COOQCRB
Most Memorable Insight experience:
Every minute working on the INSIGHT
Mag is indeed memorable. What with
the stressful hours of proofreading and
reviewing the layout and text on the last
minute to beat the deadline! How could
you forget that? hahaha
GERNANE P. PUREZA
Writer/Researcher
MARIA GILDA ISABEL A. PARREÑO
Managing Editor
“Don’t do things for recognition, do it
because it actually matters to you.”
Educational Attainment: MA
Psychology Major in Industrial
Psychology (Philippine Women’s
University, Manila); BA Social Science
Double Majors in Sociology-Psychology
(University of the Philippines-Baguio)
Work: HR Officer-QCRB
Most Memorable Insight experience:
When we interviewed Don Ado of Villa
Escudero. It was very memorable for
me because we had a free tour of Villa
Escudero!
GUIA P.E. ELLOSO
Writer/Researcher
““If you’re trying to show off for people
at the top, forget it. They will look down
on you anyhow. And if you’re trying to
show off for people at the bottom, forget it.
They will only envy you. Status will get you
nowhere. Only an open heart will allow
you to afloat equally between everyone.”
– Tuesdays with Morrie (Mitch Albom)
everyday.”
Educational Attainment: BS Business
Administration Major in Entrepreneurship
(QCRS-Institute of Management, Lucena
City)
Educational Attainment: Bachelor of
Laws (Manuel S. Enverga University
Foundation, Lucena City) - BSC Banking
and Finance (Sacred Heart College, Lucena
City)
Work: Compliance Assistant-QCRB
Work: Legal Assistant-Garcia & Associates
Most Memorable Insight experience:
When we went to Laiya, San Juan Batangas
and interviewed the Gusi couple - the
owners of Acuatico Resort. The view is
breathtaking and the facilities are world
class plus the story behind their success is
really inspiring.
Most Memorable Insight experience:
My interview with the Medrano siblings is
very memorable for me since they were the
youngest that I was able to interview with
in my entire work at Insight. My experience
with them taught me a lot in their career in
sports. They really have a big future in the
world of sports.
“Happiness is the consequence of personal effort.
You fight for it, strive for it, insist upon it, and
sometimes even travel around the world looking
for it. You have to participate relentlessly in the
manifestation of your own blessings. And once
you achieved a state of happiness, you must never
become lax about maintaining it.” –Elizabeth
Gilbert (Eat, Pray and Love)
Insight Magazine
9
JO-ANNE KRISTINE A. SILVALA
Writer/Researcher
“In life, unlike chess, the game continues
even after checkmate.”
Educational Attainment: BS
Psychology (Sacred Heart College,
Lucena City)
Work: HR Assistant-QCRB
Most Memorable Insight experience:
My interview with Ms. Belda of Tiaong
Quezon because it was my very first
Insight assignment.
JAIRO C. CABRIGA
Layout and Design
“Think before you click.”
CHARMAINE A. VILLANOA
Writer/Researcher
“Start living your life as if there were no
problems, only opportunities for personal
growth.”
Educational Attainment: BS Business
Administration Major in Operations
Management (QCRS-Institute of
Management, Lucena City)
Work: HR Assistant-QCRB
Most Memorable Insight experience:
I will never forget my experience as the
editor of The Scholar section when I was
still a student. Interviewing the branch
managers of QCRB was unforgettable
because I gained a lot of insights about
work and management styles.
ERICKA CRESEL N. QUIMPOL
Layout and Design
“Be careful about what you think, your
thoughts run your life.”
Educational Attainment: BS Computer
Science (Sacred Heart College, Lucena
City)
Educational Attainment: BS Computer
Science (Sacred Heart College, Lucena
City)
Work: Graphic Design Artist-QCRB
Work: Graphic Design Artist-QCRB
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Insight Magazine
RICHARD LEANDRO Z. GARCIA
Layout and Design
“Never give up on something you really
want..it’s difficult to wait, but more difficult
to regret.”
Educational Attainment: Masters
in Business Administration – on
going (Manuel S. Enverga University
Foundation, Lucena City);
BS Business Administration Major in
Human Resource Management (DLSU –
College of St. Benilde, Manila)
Work: Corporate Secretary-QCRB; IT
Director-QCRS
ERAN LLANORA LAGOS
Advertising Manager
“The way to get started is to quit talking and
begin doing.”
Educational Attainment: AB Broadcasting
(Manuel S. Enverga University Foundation,
Lucena City)
Work: Advertising and Promotions
Specialist-QCRB
JULY - AUGUST 2011
is composed of devoted students from Quezon Center for Research and Studies Institute
of Management who enthusiastically share their passion in the field of journalism.
THE SCHOLAR
KRYSTELLE ARIANE D. AGUILAR
Editor, The Scholar section
III-BSBA major in Operations
Management
“I dream. I write. I inspire. “
Most memorable Insight experience:
During our interview with Manager
Aya of QCRB because it took us almost
3 hours of interview for she shared a lot
about her life that made us feel like we’ve
known her for so long and we felt that we
are friends already after the interview.
MARY HONEYLEEN DIANE O. DAVID
Staffer
III-BSBA major in Financial
Management
“It’s always kind of cool when you crack
up a piece of writing, saw the words in it,
appreciates its beauty and then realize,
YOU WROTE IT…(PRICELESS!)”
Most memorable Insight experience:
During our interview with Manager Aya
of QCRB. I have never met anyone who
could light up a mood so well than her.
She’s really bubbly, cool and inspiring.
BERNADETTE B. ALPUERTO
Staffer
II-BSBA major in Financial Management
“Life is like a crossroad full of detours.
Sometimes it is scary and risky on deciding
what path should be taken. Just always
remember no matter where it leads you, face
the consequences and accept the challenges.
Because aiming for success is really hard to
achieve, but the view from top is always worth
it.”
Most memorable Insight experience:
That feeling when I saw my first article
published in Insight Magazine. Truly, it
was priceless.
SHARLENE MAY E. FLORES
Staffer
II-BSBA major in Marketing
Management
LUWIJEN C. MAHINAY
Staffer
II-BSBA major in Marketing
Management
FRITZ B. PANGANIBAN
Staffer
III-BSBA major in Financial
Management
“Make God the center of your life and
everything will follow.”
“It is not the hardships in life that pulls you
down; it’s your thoughts and beliefs that will
bring you to what you should be. God will
never give us challenged that we cannot solve,
it is His way of purifying us.”
“Faith is being sure of what we hope for
and being certain of what we do not see.”
Most memorable Insight experience:
When I conducted my first interview alone
for the Scholar section of the magazine.
I was so nervous because I was used to
having a companion whenever I conduct
interviews. Fortunately, it turned out well
and enjoyed the whole interview with Ms.
Mary Ann Duenas.
Most memorable Insight experience:
My interview with the managers has been
the most memorable. Mostly, I only write
news articles, but interviewing seems to be
very different. I used to make interviews
when I was in high school, but the feeling
is not that overwhelming.
Most memorable Insight experience:
Being one of the writers for The Scholar
section is a privilege. It’s a pleasure to
see my article published in the Insight
Magazine, not only because it’s a personal
achievement for me but also because there
could be people who can be reached by it
and thus, becoming a part of their wellbeing.
NOEL G. PASTORFIDE
Staffer
III-BSBA major in Operations Management
“Impossibilities has no place in my life, coz’ if you dreamt it… You strive for it… You can achieve it!”
Most memorable Insight experience: Our interview with the former scholar of QCRS, Ms. Jinelyn Decepida. It
served as a big challenge that I was able to accomplish with Insight.
JULY - AUGUST 2011
Insight Magazine
11
S
hortly after the discovery of
flour, the most primitive people
in the world began making cakes.
The Egyptians of long ago were said
to be the first culture to bake a form of
cake remotely similar to modern cake.
Roman times saw cakes as offerings to
their gods. In early America, cakes were
viewed as a sign of wealth. Cakes have
since evolved into edible works of art,
at times, so elaborate they are better
seen and admired in a glass-enclosed
display in a museum than eaten. Then
Vivian ‘Beng’ Tan, the woman who
started it all for Kutitay’s
again, who can resist eating cakes?
Vivian Tan – Mañas or Beng, as
she is called by those who personally
know her, is a mother of three and a
fulltime government employee. For a
sideline business, she started by selling
chocolate coated polvorons and
molded chocolates. Her goodies were
an instant hit with her officemates,
relatives, and friends; especially so
around the Holiday season. This
encouraged her to venture into baking.
After all, she loves to eat cakes. She
turned this fondness into passion. In
2004, she learned the art of baking
and decorating cakes from the famous
cake designer and pastry chef Heny
Sison. Soon after, she began accepting
orders for all kinds of baked goods –
cupcakes, food for the gods, specialty
cakes, theme cakes, and the like, for all
occasions. It was only the beginning
of a flourishing business.
Three years ago, she opened
her quaint eating place strategically
located near Sacred Heart College, a
big campus in Lucena City. Catering
to mostly students, she serves meals
and snacks. Her carbonara spaghetti
and sizzling sisig are crowd favorites.
She named the place Kutitay’s, after
the endearing name her husband uses
to call their only daughter Kristin. It
also serves as the headquarters of her
cakes and other baked goodies-forall-occasions business. Bulk orders of
pasta and other dishes for parties are
also accepted.
Beng knows perfectly well that
the cake is the centerpiece of any
reception. She can work around any
theme and budget. Every Kutitay’s
cake is customized to the needs and
desires of the customer. Beng can be
presented with any design in mind
and she will surely satisfy you with her
interpretation of your idea. She gladly
welcomes any requests. That is how
paramount customer satisfaction is
for her. But should she be allowed to
decide, she also never fails to deliver.
The quality of her cakes speaks for
itself. They taste just as good as they
look.
Kutitay’s is already enjoying a loyal
clientele. Through word of mouth and
Beng’s friendly demeanor, it continues
to grow. But aside from the monetary
remuneration, what Beng appreciates
more are the people she meets and
keeps as friends. This, for her, gives
a deeper sense to what she is doing.
She’s very thankful of the people her
business has brought into her life. So
to speak, they are the icing on the
cake.
With the success and perks of
Kutitay’s, Beng is content and happy.
Baking and cooking are what she does
best. She is simply in her best element
in the kitchen. So it is of little wonder
that it crosses her mind every now and
then to quit her job and go fulltime on
her sideline. She doesn’t know exactly
when this will happen, but she is pretty
sure it will, in God’s perfect time.
http://www.facebook.com/pages/Kutitays/186058818112332
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Insight Magazine
JULY - AUGUST 2011
QCRB Opens 32nd Branch in Rosario, Batangas
M
arking another milestone
in its more than 30 years
of rural banking, Quezon
Capital Rural Bank (QCRB) formally
inaugurated its 32nd branch in the
bustling town of Rosario, Batangas
on August 16, 2011. The branch is
conveniently located along Carandang
St., at the heart of the town’s poblacion
and commercial district.
other related internet-based banking
services.
With the presence of QCRB,
the banking community or Rosario
is expected to benefit from the
introduction of the bank’s electronic
banking facilities including ATM and
The branch network is spread
across the provinces of Quezon,
Laguna, Batangas, and Rizal. It was
also announced during the occasion
that QCRB is opening two more
JULY - AUGUST 2011
QCRB is one of the leading rural
banks in the country, ranking among
the 5 biggest rural banks at present.
It was founded and established in
1974 in Lucena City by CPA-Lawyer
Atty. Leandro P. Garcia, the bank’s
Chairman Emeritus.
branches in Sto. Tomas, Batangas
and Siniloan, Laguna. Other than the
traditional banking services it offers,
QCRB is also offering foreign currency
deposits (FCDU) and other high-yield
placements, money remittances, fund
transfer and payroll servicing. It also
offers a wide range of loan products
that are custom-fit for every business
on convenient terms.
Visit the Rosario Branch of QCRB
and meet its Branch Manager, Ms.
Wilma Perez who is always ready to
welcome you.
Insight Magazine
13
Banking Made Easy with QCRB
Internet Banking
is proud to offer internet banking facility to
its Tellermate ATM cardholders. It is one of the electronic
channels made available by QCRB to give more convenience
to its transacting clients. It is like banking while checking
e-mail, updating status on Facebook and sending tweets and
comments. Just log on to www.qcrblive.com then click
Internet Banking located on the upper right corner of the
homepage and select from these available services:
Balance Inquiry. This is one way of checking your
ATM account balance for free.
Bills Payment. It is a faster and more convenient
way of paying your bills. No need to take long queue in
payment centers to beat the due dates of your bills. There
are over hundreds of billers available; utilities, credit cards,
pre-need and insurance companies, cable and internet service
providers. This facility is FREE and enrollment of biller is
no longer necessary.
Fund Transfer. You can transfer funds from your ATM
14
Insight Magazine
account to your other or another person’s account in another
BancNet member bank. This is faster and more convenient
than the over-the-counter online transfer.
Transaction Logs. Transactions made thru the Internet
Banking Facility can be retrieved and printed at the option
of the cardholder. This does not include those transactions
made thru other channels and over-the-counter such as
deposits and withdrawals. A Statement of Account can be
requested anytime from the branch where the ATM account
is maintained.
All successful transactions made thru the Internet Banking
Facility is provided with a printable acknowledgment receipt
wherein a Trace Number is given for future reference.
Since our facility is powered by Bancnet, all network
traffics are authenticated by VeriSign certificates for a more
secured and worry-free browsing.
Enjoy internet banking with QCRB!
JULY - AUGUST 2011
Flexi-Home Loan
H
ome is probably the biggest
investment someone will
ever make in his/her lifetime
– not merely as a symbol of success but
as a representation of the pinnacle of
devotion and hard work in providing
only the best for his/her family. It is
everyone’s dream yet many cannot
still afford due to lack of adequate
resources. In this regard, Quezon
Capital Rural Bank provides a way to
help realize their dream with its new
FLEXI-HOME LOAN.
The facility may be availed by
any qualified individual who wants
to purchase or renovate their dream
house. It is a long term loan with fixed
interest rate of 10.5% per annum. The
JULY - AUGUST 2011
term of payment is flexible depending
on the borrower’s capacity, from 5 to
15 years. With QCRB’s fast processing
of loans, any opportunity and time will
be used accordingly and beneficially.
The house and lot itself will be used as
mortgaged collateral. Flexi-Home Loan
is also available to those who want to
buy a townhouse, a condominium, a
commercial building or anything related
to real-state.
The bank, besides the features and
benefits, still adds more by collaborating
with other companies which will
provide the necessity of the borrowers.
Together with Calmarland Lucena,
QCRB will provide total flexibility on
its home loan by a residential lot a fund
to begin with. What more can you ask
for? Through QCRB’s Flexi-Home
Loan, anyone can make their dream
home come true.
By giving the people an opportunity
to have their dream house, QCRB
is helping the community and the
government address the housing
problems in the country.
Your dream home is now a reality.
If you’re planning to purchase a house
& lot, townhouse or construct your
own house, QCRB is here to help you.
Come and visit a branch now, call the
QCRB Customer Service Hotline 1800103737272 or log on to www.qcrblive.
com to find out more.
Insight Magazine
15
Manolet O. Lavides
Businessman by Choice
University, his entrepreneurial spirit managed to surface.
He opened a sari-sari store and went into buying
and selling of copra. Even with his parents’ financial
support, the young Manolet had the initiative to earn
his own money.
As a young boy in school, he excelled in Math.
Growing up, he honed his analytical and planning skills
in simple and complex things. He knew in his young
heart he will make a good businessman someday. But
being a son of the first lawyer, judge, and fiscal of
Lucena City from Atimonan, Quezon, Judge Manuel
Lavides and his wife, Honorata, he felt compelled to
take up law. While doing so at the Ateneo de Manila
After graduating from the Ateneo Law School, he
was hired by the firm of the late former Vice President
Salvador “Doy” Laurel. Eventually, with the belief
that very few lawyers become rich, he resigned from
his post at the firm and gave in fully to his original
calling. Determined, he decided to invest his savings
in the transportation business. In December of 1974,
he bought a mini bus from Francisco Motors. It cost
16
Insight Magazine
JULY - AUGUST 2011
“
Even in his
boyhood, he knew
in his young
mind that he will
make a succesful
businessman
someday.
”
Manolet O. Lavides
Former Congressman, 4th Dist., Quezon
Chairman, Superlines Corp.
By the year 1979, SuperLines has grown into a fleet
of 70 units in all. Manolet also began acquiring big
buses. With the growth of his bus line, he was asked to
join the Bus Operators Association of the Philippines
and became an officer. He joined the group which
included operators of Baliwag Transit, Pantranco,
Victory Liner, and Philippine Rabbit, to name a few.
By 1980, SuperLines started plying between Atimonan
and Cubao. Manolet wanted to penetrate the busier
Atimonan-Pasay route, but, as he recalled, it was very
difficult at that time to get a permit. That and the
presence of many competitors proved to be obstacles.
But these didn’t discourage him. In fact, he bought
more big buses.
One of the growing number of buses in its fleet,
Superlines now boasts of more than 170 units
plying the Atimonan and Manila/Bicol routes .
around P35,000.00. Knowing the son of the owner
from his Ateneo days, he got the unit at an initial down
payment of 25%. After only three months, not only
was he able to pay the remaining balance of the first
unit, but he was also able to purchase another one. His
buses plied the Atimonan-Lucena route. With the two
units, he was earning P5,000.00 a day. The prospects
looked bright and Manolet knew all too well how to
strike while the iron is hot. In the next few months, he
bought 5 more buses. He called his fleet SuperLines.
The name came about when a friend thought of him as
Superman for being smart and courageous enough to
go into business alone.
JULY - AUGUST 2011
In 1992, the busy businessman was coaxed to foray
into politics. He ran and won as Congressman of the
4th District of Quezon. After one term, he decided
not to seek re-election. His heart, after all, is really into
running his business. His instinct, once again, served
him right. SuperLines today has 170 buses operating
in Atimonan, Naga City, Legaspi City, Camarines Sur,
Camarines Norte, and Cubao. From its very first 2
employees, it now maintains 600 personnel.
Manolet Lavides refuses to give credit to sheer luck
for his successes in practically all his undertakings. With
conviction, he said, it was hard work and determination
that brought him to where he is now. And he knows
who to thank for all the blessings.
Manolet Lavides knows how to give back with all
the success that his bus lines has achieved. A devout
Catholic, he donated a digital musical bell for the use of
Our Lady of Angels Parish Church and a large sum for
the renovation of a school chapel at the Our Lady of
Angels Academy also in Atimonan Quezon.
Insight Magazine
17
Banking on Best Practices:
A Sure Way to Success
The 58th Annual National Convention and Corporate Meeting of the Rural Bankers Association of the
Philippines was held on May 25, 2011 at the SMX Convention Center. Keynote speaker was Landbank President
and CEO Gilda E. Pico. Her speech was a very insightful one aimed at contributing to the advancement of the
rural banking sector. INSIGHT will share it in four parts.
Part II
Pillar #2: Development
of Institutional values and
principles
Developing your institutional
values and principles is fundamental
for any successful organization.
Your mission statement, values, and
code of ethics are the “North Star”,
the beacon by which you set your
compasses and align your strategies.
They best represent what your rural
bank is about, and define what it is
and what it is not.
I would assume that you all have
your vision, mission, and values
statements. But it is not enough to
just have them on paper or framed
and posted on your walls. You
should constantly revisit them to
make sure that you are on the right
path or if the path you have set is
indeed the one you wish to tread.
Do your statements define your
bank? Remember that your vision
statement should reflect the essence
of your organization, and should
contain what it envisions in terms
of growth, values, employees, and
contributions to society as a whole.
The mission statement, on the
other hand, should be a more precise
declaration of a business strategy
and developed from the customer’s
perspective in accordance with
the vision of the organization.
Your mission should answer these
questions: What do we do? How do
we do it? For whom do we do it?
18
Insight Magazine
Machu Picchu (Peru)
A periodical mission review helps
your organization get back to basics
and make sure that you have not
skewed your activities to meet the
needs of other stakeholders more
than your actual clients.
The
values
statements,
meanwhile, should reflect the
core ideology and embody the
values that the organization lives
and breathes. And finally, a code
of ethics should be established
to ensure that all directors,
management and employees abide
by the same standards of conduct,
and as a requisite in guaranteeing
the balanced rights and interests of
all stakeholders involved.
Machu Picchu (Peru)
We now leave the continent
of Europe and head for South
America, to revisit one of the most
enigmatic ancient sites in the world,
the Machu Picchu in Peru.
The ruins of Machu Picchu
were rediscovered in 1911 by Yale
archaeologist Hiram Bingham.
Machu Picchu appears to have
been used by the ancient
Inca civilization as a secret,
self ­ contained ceremonial city
made invisible from below and
surrounded by agricultural terraces
and natural springs sufficient to
feed the population.
This ancient site has palaces,
baths, temples, storage rooms
and some 150 houses , all in
a remarkable state of preservation.
The central buildings use the
JULY - AUGUST 2011
classical Inca architectural style of
polished dry-stone walls of regular
shape, called ashlar. They were
masters of this technique of cutting
blocks of stone and tightly fitting
them together without mortar or
crushing machine.
It was a puzzle, however, how
the Incas moved and placed the
massive blocks of stones they used
in construction. The general belief
is that hundreds of men pushed the
stones up inclined planes because
a few of the stones were found to
have knobs on them, which may
have been used to lever them into
position.
In July 2007, the Machu Picchu
was named one of the Seven
Wonders of the World joining the
likes of the Great Wall of China
and the Taj Mahal in India.
Pillar #3: Human resource
Until today, there are lingering
questions about how the Incas
have been able to cut stones to
such precise dimensions without
the help of modern tools. The
Inca’s
ingenious
architecture,
notwithstanding
the lack
of
building technology during their
time, highlights the importance of
human resource which is the third
pillar for organizations to succeed.
It has been said time and again
that people are the most important
resource of a company. It is thus
critical for you to make sure that
your employees are not only
professionals with good technical
and communication skills, but they
must have the_riqht attitude.
Foremost, since we are in the
business of serving clients, every
bank employee should have a
strong sense of serving customers
with diligence and dedication. Some
banks have acquired a culture of
merely selling that somewhere
JULY - AUGUST 2011
Copan Ruins (Honduras)
along the way, customer service
has deteriorated. This is why it’s
important that your employees are
well-trained, not only to sell your
products, but more importantly,
to deliver excellent service to your
customers. Good interpersonal
skills and team spirit will play integral
roles in developing service-oriented
employees, but be sure to look for
integrity and passion for work.
As you go along molding a
service-oriented culture within
your organization, set your goals
on introducing volunteerism by
implementing Corporate Social
Responsibility or CSR programs
that are aligned with the needs of
the community. As rural banks, I
believe you can never go wrong with
educational scholarships, water
pumps, and donations to health
centers or computers for schools.
Fostering a socially-aware and
socially-responsible ethos among
your employees and stakeholders
will further bring forth their service
sense.
Copan Ruins (Honduras)
We move on with our journey
to the Copan Ruins in Honduras.
Back in 800 AD when Mayan
civilization spread across Central
America, Copan was a thriving city,
which functioned as the primary
civilization in the southern portion
of Mayan territory.
Major cultural developments
took place during this time,
and Copan became known for
its significant achievements in
mathematics, astronomy,
arts,
architecture,
and hieroglyphic
writing, prompting Copan to be
called “the Athens of the new
world.”
The brilliance of Mayan art is
evidenced in the careful planning
of their ceremonial centers; their
intelligent architecture based on
the constructions of scale-graded
pyramids; the finely detailed
sculptures in their altars and
historical monuments; their intricate
hieroglyphs, and the beauty of their
work in jade, ceramic and stone.
Today, the preserved portion
of Copan makes for but a small
fraction of its original size, but
even in ruins , their decorative stone
temples and plazas are still regarded
as masterpieces of antiquity.
(to be continued)
Insight Magazine
19
QCRB’s Prexy is RBAP’s New Corp. Secretary
Atty. Junjun Garcia (3rd from left) with other elected officers of RBAP being sworn into office by BSP Gov. Amado M. Tetangco Jr.
Atty. Edward Leandro Z.
Garcia, Jr., President and CEO of
Quezon Capital Rural Bank, Inc.
was elected as Corporate Secretary
of the Rural Bankers Association
of the Philippines (RBAP) for FY
2011-2012 during its 58th National
Annual Convention on May 25, 2011
held at the SMX Convention Center,
Mall of Asia, Pasay City. Prior to
this, he served as RBAP’s Past VP
for Luzon, and Past President of
the Quezon Federation of Rural
Banks, as well as the Confederation
of Southern Tagalog Rural Bankers.
20
Insight Magazine
The induction of the new RBAP
officers was held on August 4,
2011 at the Mindanao Ballroom of
Sofitel Philippine Plaza Manila. Atty.
Edward, together with the other
elected officers headed by RBAP’s
new President Ian Eric S. Pama of
Valiant Rural Bank, was sworn to
office by no less than Gov. Amado
M. Tetangco Jr. of the Bangko
Sentral ng Pilipinas. In his message,
Gov. Tetangco emphasized that the
rural banking industry plays a special
role in accelerating the country’s
economic growth through financial
empowerment of the countryside.
With more than 700 member
banks, RBAP is continuously
encouraging its members to
offer quality banking services
while complying with regulatory
requirements, and promoting the
welfare of the localities where
they operate. RBAP is constantly
satisfying the demands of customers
through a strong and responsive
banking system and by introducing
innovative products and services
which are adaptive and beneficial to
the communities they serve.
JULY - AUGUST 2011
The Scholar
By: Luwijen C. Mahinay
II-BSBA
Marketing Management
The Scholar
This section is the official publication of the
Quezon Center for Research and Studies Institute of Management. Formerly called the
Lodestar, it has now been incorporated as part
of the QCRB Group official magazine INSIGHT.
This will serve as the mouthpiece of the entire
studentry. The name represents the students
of QCRS-IM who are mostly scholars.
JULY - AUGUST 2011
Quezon Center for Research and Studies – Institute of
Management celebrated Buwan ng Wika last August 18, 2011.
With the theme: “Ang Filipino ay Wikang Panlahat, Ilaw at
Lakas sa Tuwid na Landas, QCRS held different activities to
give tribute and honor to the late Pres. Manuel Luis Quezon
who is considered as “Ama ng Wika”.
The celebration was held at QCRS gymnasium, Red-V
Lucena City. It was participated in by all the students and
faculty. Various contests promoting the Filipino language were
held. The Sophomores bagged the first place in Quiztorian
and Impromptu Speech contest while the Junior was hailed
champion in Postelogan (poster and slogan) and Tugsayawit
(tugtog-sayaw-awit).
The said event was sponsored by the Student’s
Government Organization (SGO).
Insight Magazine
21
The Scholar
FAITH
A Simple Ingredient for Success
by: Krystelle Ariane D. Aguilar
III-BSBA Operations Managements
S
haring name with the famed starfor-all season, QCRB Sariaya’s
Branch Manager, Ms. Vilma Z.
Pua surely knows how to shine in
her own simple ways. Two things
about her – simplicity depicts her
every gesture while contentment is
another.
A woman with a humble
beginning,
she
portrays
extraordinarily an ordinary life.
Vee-ai to her peers was born
on February 13, 1971 to Mrs.
Elsa Ramos Zarsuela and the
late Teoderico C. Zarsuela. She
is happily married to Mr. Dennis
Pua. Their union is blessed with
a son, Villgates Pua. Her family is
currently residing at Brgy. Isabang,
Lucena City.
Mgr. Vee-ai was a born Catholic.
In 1978 her family converted to
Iglesia Ni Cristo (Church of Christ).
At a young age she already thinks
maturely and learned to detach
herself from earthly joys and live
her life towards pleasing God.
Mgr. Vee-ai is a proud alumna
of public schools; she is a
consistent honor student during
her elementary and high school
days. She finished BS Business
Administartion Major in Banking
and Finance at Manuel S. Enverga
University Foundation. “I’m a
typical student”, she shared. She
divided her time between school,
house and church. After school,
22
Insight Magazine
when not studying, she devoted
the rest of her time participating in
church activities.
In October of 1992, she was
hired as a Teller at Quezon Capital
Rural Bank (QCRB). During her
stay, she slowly ascended from the
rank. From being a Teller she was
promoted to Bookkeeper, to Cashier,
then as Department Manager of
Treasury Department. At present,
she is the Branch Manager of
QCRB Sariaya. According to her,
her experience working from rank
and file positions contributed a lot
in her management style in terms
of client and employee handling.
She was also able to share and apply
the knowledge she earned from
various trainings and seminars she
attended. Mgr. Vee-ai shared that a
good manager must be flexible and
should treat all clients fairly. “Always
make your clients feel comfortable”,
she added.
Though she’s not an outgoing
type of person, she compensates
it in having a friendly aura at the
bank. Mgr. Vee-ai encourages open
communication among her staff, this
way she would know beforehand
if there is any tension or problem
arising among her staff. She makes
sure that problems are given
immediate action particularly issues
that may damage the reputation and
operation of the bank.
Mgr. Vee-ai believes that a sense
of belongingness is a vital foundation
Vilma Z. Pua, Branch Head of QCRB Sariaya
in building a good relationship.
Having the feeling that you’re a part
of something is what she’s trying
to build with her staff and clients.
She wants to impart to them the
same relationship she built with
the QCRB family. “Compensation
and other monetary rewards are
just a secondary factor that affects
the performance and productivity
of employees. The working
environment is what truly matters.
No matter how high your salary is
if you’re not happy with your job
you tend to look for another or may
result to a poor performance”, she
added.
Her faith has always been an
essential part of her successful
career. With God’s providence, she
was able to meet what is expected of
her despite the conflict of schedule
between her responsibilities at the
church and at work.
Outside work, Mgr. Vee-ai
lives a content life of a wife and a
mother. Her family lives a simple
yet happy life; she always finds time
in teaching her son good virtues and
unwavering faith in God. Having
God in her heart, she has nothing
to ask for.
“Put God at the center and
everything will go right”, she
shared.
JULY - AUGUST 2011
The Scholar
BENIGNO
“NINOY”
AQUINO
WHO IS
by: Myca Elaine L. Jalla
I-BSBA
H
is life and works has inspired
many Filipinos as well as other
nations to rise against oppression
and fight for independence. And
as we remember his heroism let’s
take a look at his life as a father, a
husband and a hero.
Popularly known as “Ninoy”, he
exposed himself to current events
by becoming a journalist of Manila
Times. He was an achiever at an
early age, when he was 17 years old
he received the Philippine Legion
of Honor for covering the war in
North Korea.
In 1949, Ninoy became a
presidential adviser on defense to
then President Ramon Magsaysay.
He was appointed as an emissary to
guerilla leader Luis Taruc, who later
surrendered to the government after
a four-month negotiation process.
Ninoy Aquino has done a notable
history in Philippine politics; at the
age of 22 he was elected Mayor
of Conception, Tarlac. In 1959
he became the youngest vicegovernor of Tarlac, and then in
1961 he became governor. Several
years later, in 1967 he became the
youngest senator at the age of 34.
When President Ferdinand E.
Marcos declared Martial Law in
1972, Ninoy, together with his
colleagues attempted to stop
the Marcos regime, which they
believed overpowered the rights of
Filipinos.
His love for the Philippines and
his countrymen is unquestionable.
While in prison he suffered from
heart attack that pushed him and
his family to go abroad. After
three years, he decided to go back
to continue his noble mission
despite the danger to his life. He
was remembered saying “if it’s my
“Filipinos are worth dying for...”
these are the words said by one of the world’s most iconic political
leaders of democracy – Benigno S. Aquino Jr.
JULY - AUGUST 2011
fate to die by an assassin’s bullet,
so be it, rather than be petrified by
inaction or fear of assassination,
and therefore stay in the side.” Upon
arrival on August 21, 1983 at then
Manila International Airport he
was shot at the back of his head, a
murder that remains unsolved. That
day, the world lost a great man.
He was an ordinary person, a
simple man, a responsible father
to his children and compassionate
husband to his wife that is how his
family describes him.
And as the nation commemorates
the 28th year of Ninoy’s martyrdom,
we Filipinos should look back on his
life and times; what former senator
Jovito Salonga once described as the
“greatest president we never had”.
His achievements, heroism, and
nationalism should always stay and
remember by every Filipino. He is
not just the father of Kris Aquino
and President Noynoy Aquino, he is
a man who once became a part of
history. His death brought an entire
nation to unite and rise for freedom,
justice, hope, peace and democracy.
Insight Magazine
23
The Scholar
Education:
A Vital Foundation
By:Noel G. Pastorfide
III-BSBA Operations Management
T
oday, the issue of literacy is not the same as in the past; it
is not only a matter of knowing how to read or write. We
tend to delineate literacy if someone is knowledgeable
to one particular field. For instance, an individual who knows
how to operate a computer is considered to be a computer
literate. But the important thing is, we have to identify where
that expertise starts and invest on it for it to become a strong
foundation.
A carpenter needs to know the angle of ninety degrees in
order him to construct a house; a mother doesn’t want her
children to suffer from diseases so she needs to know basic
hygiene; a professional needs to undertake basic education for
him to obtain a degree. These scenarios will always bring us to the
core of all social issues – the foundation of basic education.
The Philippines belongs to the developing countries where
education plays an important part in nation building. Illiteracy
caused many social problems - drugs, poverty, over population
and crimes. On the part of the Government, there are agencies
involved in uplifting the quality of education of our youths.
The Department of Education has introduced the K+12
System. It has been initiated by the Aquino administration
where students will have to undergo a new system of education.
This program will require all incoming students to enroll into
two more years of basic education. Thus, the K+12 System
will basically include the universal kindergarten, six (6) years
of elementary, four (4) years of junior high school with an
additional 2 years for senior high school. The program also aims
to meet the standards required for professionals who would
want to work abroad.
The Department of Social Welfare and Development
(DSWD) is having its Pantawid Pamilyang Pilipino Program
(4Ps). This program is a conditional cash transfer program that
provides incentives for poor families to invest in their future
by ensuring that mothers and children avail of healthcare and
that children go to school. As such, it is a human development
program that invests in the health and education of children.
Nevertheless, in spite of all the efforts of the concerned
agencies, there are still many out of school children in the
country. Moreover, the quality of education is continuously
declining.
Education, like a multi-storey building needs to have a
sturdy groundwork for it stand for a long time and battle life
challenges. Because Education is one of the few things where all
man becomes equal.
24
Insight Magazine
JULY - AUGUST 2011
The Scholar
Mary Ann Ayaay Dueñas
Conquering Life’s Challenges
T
hey say that behind every
successful man there is a woman;
this can be true but women can also be
on the front line of any field they want
to pursue particularly in the corporate
world. Mary Ann A. Duenas proved
that a woman can be successful when
she put her heart and dedication in her
goal.
Mary Ann is twenty five years old
and a daughter of Mr. Angel and
Maria Ayaay. She is currently residing
at Pagbilao, Quezon with her daughter
Lieann.
However, achieving her dream is not
easy. After graduating in high school,
she enrolled at Calayan Educational
Foundation, Inc. (CEFI), but after
only one semester she needed to stop
because of financial difficulty. After a
year, she realized she was being left out
by batchmates and so she decided to
JULY - AUGUST 2011
continue her studies. Mary Ann believes
that only a good education will enable
her to achieve her dream. With that in
mind, in 2008 she enrolled at Quezon
Center for Research and Studies –
Institute of Management. She took
the qualifying exam and was granted
a 50% scholarship. In September
2008, Mary Ann finished BS Business
Administration Major in Management.
After graduation she was hired at SM
City Lucena as a Cashier but as fortune
favors she was contacted by Quezon
Capital Rural Bank for a possible
position. She was hired as Administrative
Assistant of Dir. Ferdinand Z. Garcia –
a QCRB Director. She emphasizes that
her good relationship with her superior
and co-employees made her stay, in fact
she is on her third year at QCRB and
still she is very much content.
Mary Ann is very grateful to her
boss for his support not just in her
professional growth but also in her
personal dilemmas. She said that only
her loyalty and dedication to work is
her way of showing her gratitude. She
is also thankful to QCRB Pagbilao
for sponsoring half of her college
education.
Mary Ann is now focusing on her
career and on her daughter. She has
her fair share of disappointments and
challenges in life but she perseveres
to overcome them and attain her
objectives.
“Some things may not go as planned
but it doesn’t matter as long as you do
what is right and are thankful to God
for what you have and whom you are
with”, she said.
Sharlene May E. Flores
II-BSBA
Marketing Management
Insight Magazine
25
The Scholar
Sailing on a Troubled Sea
by Fritz B. Panganiban
III-BSBA
Financial Management
S
ometimes you just have to smile and try to
condition your mind that every struggle has
its end. You only have to be more persistent
than usual and learn how to fight, remember we are
in warfare. Thus, you should be a vigilant soldier
striving for your survival. In this kind of scenario,
we are motivated by the expectation that after the
turmoil, there will be a better life that awaits us.
You could say, “Oh, it’s a simple thing. I can do
it.” Yet, there are some instances when this will
not be applicable. You cannot just simply rely on
your own strength. My friend, it’s not enough.
In times of hardships, you could feel you are
sailing on a troubled sea; tossed to and fro by the
strong wind causing you to tremble. The wind is
the force that tests your faith and tries to destroy
you. At every blast, there will be a piece in the ship
that will be torn apart. There will also be chaotic
waves that might fully break you into pieces and
bring you in a hopeless state. Drifting in the ocean
will be the final destination. You know what’s our
usual attitude? We assume that to quit would be the
best answer and we are given no choice. Why not
look for a broken piece in which you can hold on.
During these times, there’s only one whom you
can ask for help, it is He who watches over us
and can make the sun shine again. Yes, we are
broken; He may not bring back the broken pieces
into its original state, but He will transform us
into a new creature. How amazing our God is.
Despite our life wrecked by sin, He is always
there to lend His hand to put us back on our feet
again with renewed strength to face life anew.
26
Insight Magazine
You could say, “Oh, it’s a simple
thing. I can do it.” Yet, there are
some instances when this will not
be applicable. You cannot just
simply rely on your own strength.
My friend, it’s not enough.
JULY - AUGUST 2011
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