Social Enterprise Development Partnerships, Inc.

Delinquency Management

Delinquency is one of the major challenges that microfinance institutions face. The course enables participants to understand delinquency by tracing its causes and costs. To hasten appreciation of delinquency, it offers various perspectives on delinquency from the vantage point of the borrowers and the microfinance institution. Participants will also be taught on how to measure delinquency using international standards. The course prescribes report formats integrated in the MFI’s information system to track important information for decision-making. The delinquency management course emphasizes both preventive and curative strategies. Preventive delinquency management strategies include financial shields or prudent financial management practices; growth strategy; and delinquency prevention techniques in microfinance methodologies. Curative delinquency management strategies include prioritizing delinquency management measures; remedial management and litigation; crafting incentives system to reduce delinquency; establishing the delinquency task force; loan administration strategies to delinquency management; and crafting delinquency management plan. The course will also present research results on the most common delinquency problems that MFIs face, and how successful MFIs have addressed these problems.

Market-Based Financial Product Design and Development

The financial product design and development course uses market-based or demand-led approaches. The framework to be discussed outlines research methodologies using participatory rapid appraisal techniques to determine the needs of the market; assess institutional readiness for product development; and assess competitive advantage of product prototypes. The course extends the whole process of product design and development that involves assembling the product development team, design process, product costing and pricing, pilot testing, product launch and commercialization. SEDPI market research results will also be presented in the course. The research, which was conducted to several microfinance institutions all over the Philippines, shows how the Philippine microfinance industry has evolved in the last three years. Participants will also be presented with an actual case of a microfinance institution in its journey towards defining its niche and eventually succeeding in the market.

Fundamentals and Methodologies of Microfinance

The course offers more than the basics of microfinance. It introduces the concept of the microfinance triad – savings, loans and investments. The course offers a deeper understanding of the fundamentals and principles of microfinance coupled with an appreciation of various microfinance methodologies – Group/Solidarity Lending, Village Banking and Individual Lending. The course also describes the characteristics of microfinance clients and the impact of microfinance to the poor based on actual impact assessment results. Aside from the appreciation of various microfinance methodologies, the course also tackles traditional and innovative microfinance products and services – loans, savings, microinsurance and remittances. The course ends with a discussion on challenges, issues, trends and future opportunities in the microfinance industry.

Microfinance Training Courses

Clarice Crisostomo

Clarice finished her undergraduate degree in Sociology at the University of the Philippines Diliman, emerging as one of the honor students in her batch. Having finished her course in October, she then became a Research Assistant to her thesis adviser and then shifted her employment path from academe into corporate setting when she worked for more than a year at TV5, the third largest broadcasting network in the country.

Her research skills may have helped her in dealing with respondents and clients for the organization. This is her first work in the development sector, and she is more than thrilled to execute her abilities as these were indebted to the classical sociologists and were then synthesized with the influence of her adviser whose works are centered to filipinizing the discipline.

Ann Carl Bailey

Ann Carl Bailey graduated Cum Laude with a degree in Business Management Honors from the Ateneo de Naga University. Prior to joining SEDPI, she first worked as a business process associate for an insurance company. She later realized that her interests lie in development sector so she got involved with the eSkwela Project, a UNESCO Awardee for Non-Formal Education whose focus is on information & communications technology integration for the education of out-of-school youth all over the Philippines. She also handled Financial Education and Skills Training for street children in Metro Manila under Childhope Asia Philippines and served as a Senior Development Associate for Ayala Foundation’s Technology Business Incubator for budding technopreneurs.

Carl also had her share of volunteer work at the Sarvodaya Sharmadana Societies’ orphanage in Moratuwa, Sri Lanka back in 2010. Furthermore, she was amongst the 15 people from around the world who was granted a 3-month fellowship in New York. This fellowship was under the Teaching Project of the Dekeyser & Friends Foundation in partnership with Green Chimneys which aims to restore possibilities and creating futures for children with emotional, behavioral, social and learning challenges through educational, therapeutic and outreach activities with the integration of animal Assisted Therapy.

Currently, Carl is taking her Masters Degree in Industrial Relations at the University of the Philippines – Diliman. At SEDPI, she is involved in the planning, organizing, monitoring, and evaluation of development interventions, such as capacity building programs and technical assistance, introduced to partner social enterprises and other development organizations. She hopes that by taking part in organizations that work for a cause, she too can make a difference to one person at a time.

Melinda Gabuya

Melinda Gabuya holds a Bachelor’s Degree in Legal Management and a minor degree in Cultural Heritage Studies from the Ateneo de Manila University. Prior to SEDPI, she worked for Smarter Good—a US Ashoka Fellow-led global enterprise that provides program and administrative services for social enterprises and non-profit organizations abroad.

Her passion for the culture and social sector was cultivated by her involvement to various student organizations such as Ateneo Baliklaya for prison advocacy and the Ateneo Student Business Review for cultural entrepreneurship. Today, she continues to be a staunch advocate for cultural heritage awareness by co-founding Heritage Conservation Society Youth, a movement advocating for the celebration of Philippine art and heritage.

In November 2012, Melinda served as a Philippine delegate to the UNESCO Human Rights Forum Asia Region held in Thailand where she had the chance to learn and exchange ideas on social development from fellow youth social activists and changemakers

Melinda brings to SEDPI her experience gained in project management, communications, research, and writing. She dreams of building her own social enterprise one day that weaves together two of her life’s greatest passions: social development and cultural heritage.

Maria Kharmita Lising

Maria Kharmita Lising graduated from Ateneo de Manila University with a Bachelor of Arts major in Management Economics and minor in Financial Management. During college, she was involved in different socially-oriented organizations. She was Vice President for Projects of the Ateneo Special Education Society (SPEED), an organization that caters to children with special needs.

Shortly after graduation, she joined Jesuit Volunteers Philippines (JVP). She served as Youth Education and Enterprise Program Coordinator for the Local Government Unit of Kiamba, Sarangani Province, where she conducted demographics research on Kiamba youth and helped supervise education programs. She also served as home study program teacher and youth organizer in Gawad Kalinga Nuestra Senora dela Soledad, San Isidro, Nueva Ecija, where she taught elementary students and facilitated leadership seminars and team-building activities for members of youth organizations.

After her JVP year, Charmie worked as part-time NSTP facilitator for the Office for Social Concern and Involvement (OSCI) of the Ateneo de Manila University. She then worked as Project Development Specialist for DMCI Homes, a real estate developer. Charmie was also a finalist in the British Council’s ‘I Am A Changemaker’ competition.

Driven by her passion for development work, Charmie left her corporate work and joined SEDPI. As a program officer, she has handles clients’ needs under the Technical and Mentoring Assistance and has also been part

Denise Subido

Denise Subido graduated cum laude from Ateneo de Davao University (ADDU) with a degree in International Studies, major in Asian Studies. She has worked as a research assistant to several sociology professors in ADDU and has interned with United Nations Development Program – Action for Conflict Transformation (UNDP-ACT) and the Philippine Overseas Employment Agency (POEA).

After graduation, she became a volunteer for Jesuit Volunteers Philippines (JVP) and was assigned to Iloilo City, where she drafted and conducted various trainings to college youth in Central Visayas. After her JVP year, she worked as Associate Program Staff for Philam Foundation, Inc., where she was acquainted with microfinance and social entrepreneurship. Denise screened, appraised and validated various livelihood projects nationwide that the foundation funded, such as agriculture and aquaculture projects and microfinance institutions. Apart from project appraisals, she also conducted trainings and attended several seminars on Social Entrepreneurship, strengthening her training skills, which prove to be valuable in SEDPI.

Now a senior program officer for SEDPI, Denise conducted various trainings nationwide, including Fundamentals and Principles of Microfinance, Delinquency Management, Market-Based Financial Product Design and Development, and Risk Management. Apart from that, she has also been part of the research team on housing microfinance and domestic payments in the Philippines with the Philippine Business for Social Progress and the Bill and Melinda Gates Foundation. Along with her teammates, Denise also handles clients for Technical and Mentoring Assistance (TAMA).

Denise is currently taking up her Masters in Applied Business Economics at the University of Asia and the Pacific.

Enid Kathleen Madarcos

Enid Kathleen Madarcos earned her degree on Sociology (cum laude) from the University of the Philippines at Los Baños. In her college years, she has been a student assistant and an intern for the International Rice Research Institute.

After graduation, she worked as a researcher and writer for a company that profiled the municipalities in Palawan for video production. She then worked as an instructor at the Western Philippines and taught sociology. Apart from her teaching duties, she also stood as adviser of the Sociology Student’s Organization. Moreover, she conceptualized various researches for the University and conducted seminars on research writing. She has also conducted community-based researches using Key Informants, Focus Group Discussions, and Surveys.

With SEDPI, Enid has been part of the training team for various trainings nationwide such as Product Design and Development, Financial Analysis, Character and Capacity Based Lending, Delinquency Management, Financial Literacy for Remittance Receivers and Fundamentals and Methodologies of Microfinance.

Enid Kathleen Madarcos graduated Cum Laude with a degree in Sociology from the University of the Philippines-Los Baños. Prior to graduation, she worked as an intern at the International Rice Research Institute (IRRI). Shortly after, she taught at the Western Philippines University under its Social Sciences Department.

Her work as a research assistant at IRRI and as an associate at the research department of the academe exposed her to community-based research and resource management. These experiences have equipped her with a strong research background, which proves to be very valuable in her current work at SEDPI. As program officer, she conducted various researches in microfinance all over the country including those commissioned by the Philippine Business for Social Progress (PBSP), Mindanao Alliance for Self-help Societies-Southern Philippines Educational Cooperative Center (MASS-SPECC), Mercy Corps and Bankable Frontiers Associates. In all these researches, Enid displayed her proficiency and rigor on statistical analysis and data processing.

To add to her excellent research skills is Enid’s competence in teaching, which she exhibits in trainings she delivers for SEDPI. She conducts training for technical and mentoring assistance for partner microfinance institutions and at the Ateneo de Manila University’s Microfinance Capacity Building Program.