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Citi Microenterprise Development Center toasts 50th batch of scholars – Marks six years of nurturing micro businesses to become small and medium enterprises



Manila — The Citi Microenterprise Development Center (CMDC), a partnership between Citi Philippines and the Bayan Academy for Social Entrepreneurship and Human Resource Development, Inc., recently held the graduation rites for its 50th batch of micro entrepreneur-scholars.


The CMDC scholars spent 9-days under the Grassroots Entrepreneurship and Management (GEM) course to learn the different facets of enterprise management including self-mastery, situation mastery, and enterprise mastery. The lectures were facilitated by experts who clearly understand the unique business operations and workings of a microenterprise.


Funded by Citi Foundation, CMDC was launched as a pilot program in 2011 and has since served as a training haven for micro economic heroes.


Citi Philippines Public Affairs and Corporate Citizenship Director Aneth Lim was present to congratulate the graduates, just as she encouraged them to take full advantage of this life-changing opportunity by making a real difference not only in their families but also in their communities. “The future of this nation lies in your hardworking hands,”  Aneth said. “We hope you value the investment we have made in you, and pay it forward by growing your businesses, sharing your knowledge smd skills and serve as mentors, and continuing to fuel your success with your courage and determination.”


Citi Philippines Public Affairs and Corporate Citizenship Director Aneth Lim (leftmost) wished the graduates success in their entrepreneurial journey as microbusinesses towards small and medium enterprises in the future. She is joined by (from left): Ester Sheila Vitto and Victoria Bantilan, who were recently named among the winners of the 2015 Citi Microentrepreneurship Awards, and Bayan Academy Executive Director Philip Felipe.


After graduation, CMDC will continue to support the scholars as they are transitioned to the Citi-Small Business Advisory and Coaching Services (Citi-SBACS) where they are provided with one-on-one business coaching and mentoring on issues such as marketing, finance, human resources, operations, and regulatory requirements.


Bayan Academy’s Chairman & President, Dr. Eduardo A. Morato, Jr., thanked Citi Foundation and Citi Philippines for bringing to life their organization’s entrepreneurship education advocacy throughout the entire Philippines. He also acknowledged more than 250 microfinance institutions, cooperatives and other likeminded institutions in 36 municipalities and cities all over the country for believing in the power of educating micro entrepreneurs on self mastery and enterprise development.


“Through the Citi Microenterprise Development Center, we will continue to empower more Filipino entrepreneurs and other enablers by responding to their needs to create a new entrepreneurial culture in the Philippines,” he added.The graduates are enthusiastic in their desire to avail of, and benefit from, the programs offered by CMDC—activities that aim to empower and equip them through intensive knowledge and technology transfers.


Foremost among the participants were two winners of the 2015 Citi Microenterpreneurship Awards (CMA): Ester Sheila Vitto of Bahag Footwear and Repair Shop in Oriental Mindoro, who was the Regional Awardee from Luzon; and Special Agri Micro-Business Awardee Victoria Bantilan of Edna’s Fresh Mushrooms in Negros. The CMA is a partnership among Citi Philippines, Bangko Sentral ng Pilipinas and Microfinance Council of the Philippines that honors outstanding Filipino microentrepreneurs through an awards program.  Winners of the CMA are awarded scholarships to CMDC.


Since receiving their respective awards last year, which also included generous cash grants that they’ve reinvested into their businesses, these two successful microentrepreneurs have begun reaping the benefits of the recognition gained.


Ester shared that she is in the process of completing a new manufacturing site slated to open this year, which was partly financed from the proceeds of her cash prize. Through this facility, Vitto’s Bahag Footwear and Repair Shop can now increase production and take in more orders of their slippers and sandals, all made from recycled rubber. She is also more confident in her ability to expand beyond Oriental Mindoro, and is looking into franchising as a means to help other micro-business owners.


Meanwhile, Victoria, together with her husband Roberto, have just added a half-hectare lot for organic red and brown rice production, which they grow in addition to mushrooms.  Apart from this, they are also looking into expanding their mushroom harvest by way of constructing a new growing house, again using the proceeds from the money that she won.


Even with these achievements, these two enterpreneurs refuse to rest on their laurels, and still find the need for further learnings and knowledge, particularly in the areas of entrepreneurship and business management.


“Even though I already earned a degree in accounting, I realized that by participating in CMDC’s training session, there are still so many things I have to learn,“ shared Victoria. “Apart from that, I was also able to expand my network by meeting like-minded people.”


For Bantilan, such trainings are a boon to those like her who received little formal education. “Even at our age, the training we received will be very beneficial as it opened our minds on how to further grow our business,” she enthused.


CMDC Graduation 2016 - photo with article

CMDC is a recipient of the Social Empowerment award at the 2013 Asia Responsible Entrepreneurship Awards (AREA) for its impact on improving and scaling-up microfinance clients’ businesses.

CMDC has trained nearly 3,000 microentrepeneurs.  More than half have experienced an increase of 10% in their income and almost 4,000 new jobs have been created by the scholars and their businesses. CMDC was formed as a response to the expressed needs of the majority of microentrepreneurs to go back to the learning table and address their knowledge and skills gap in developing and growing their micro businesses.


Citi Microenterprise Development Center Set to Train Over 600 Aspiring Microentrepreneurs

Citi Philippines and Bayan Academy for Social Entrepreneurship and Human Resource Development Inc. joined hands anew in launching Year Five of the Citi Microenterprise Development Center (CMDC).  Funded by Citi Foundation, CMDC provides hundreds of high potential yet low-income micro business owners access to training, coaching and business advisory services on enterprise management, to aid them in growing and expanding their businesses.


Citi Philippines CEO Aftab Ahmed recognized the achievements of the microentrepreneurs that enrolled at the Citi Microenterprise Development Center. Nearly 2,000 of them have proven their ability to expand their businesses and create new jobs along the way.

Aftab Ahmed, CEO of Citi Philippines led the opening ceremony and commended the microentrepreneurs’ hunger to excel and do well in their micro businesses.  In his speech, he said: “I admire each of you for having the conviction to make your dreams a reality.  Each of you has successfully created businesses from the ground up, and started an income stream not just for yourselves but also opened job opportunities for the community.”


With four decades of banking experience in 11 countries, Ahmed generously shared his insights and advised the microentrepreneurs not to be afraid to take risks and have the willingness to fail in order to make their businesses grow.


Established in 2011 after a successful pilot in 2010, CMDC has trained and mentored over 1,700 microentrepreneurs nationwide. CMDC was borne as a response to the expressed needs of the majority of microentrepreneurs to go back to the learning table and address their knowledge and skills gap in developing and growing their micro businesses.


Ma. Wilma Ruiz, a 2013 CMDC scholar, attended the opening to inspire the incoming batch of “students”. She shared how the entrepreneurial management courses of CMDC gave her the courage and ability to create a new micro business of selling her own line of perfumes.  From a buy and sell business, she has become a producer and built Gemfrali Collection into a viable microenterprise.  Today, she carries a growing selection of perfumes and earns more than twice her monthly income compared to when she first started her business.


From 2010, CMDC scholars have steadily experienced an increase in income by at least 10% and have generated over 3,500 jobs.  This impact on the lives of the beneficiaries was further validated by a study conducted by the University of the Philippines  College of Social Work and Community Development’s Sikhay Kilos Foundation  in 2013 from a pool of CMDC scholars from 2010-2011. The study noted that majority of the scholars have obtained positive net worth along with other notable changes in their micro businesses’ such as improvement and/or expansion of product lines, increase in inventories, engagement in other forms of businesses and creation of additional jobs.


Dr. Eduardo A. Morato, Jr., Chairman and President of Bayan Academy thanked Citi Foundation and Citi Philippines for their continued partnership, and pioneering the program that believes in the power of Filipino entrepreneurs. Through CMDC, Bayan Academy is able to share its intellectual capital to the clients of microfinance institutions and at the same time, build a strong social capital that would move the country to its greatest heights in the years to come through enterprise development.


Citi Philippines CEO Aftab Ahmed (3rd from right) commends the students of the Citi Microenterprise Development Center for growing their micro businesses into profitable income streams that generate jobs for their communities.


Citi Philippines CEO Aftab Ahmed sat in on the lectures during the launch of Year 5 of the Citi Microenterprise Development Center (CMDC) program. Funded by Citi Foundation, CMDC offers training and mentoring services to high potential micro business owners.

On its 5th year, CMDC is set to train over 600 microentrepreneurs and loan officers on entrepreneurship, including topics on self-mastery, personal finance, marketing, operations, human resources, and finance.   Upon graduation, the scholars are entitled to receive Citi Small Business Advisory and Coaching Services from experts that include volunteers from Citi Philippines.


“CMDC is more than just a training and coaching facility – it has become a hub that brings together aspiring micro business owners, business coaches and mentors that include Citi volunteers, as we all work together to build our nation from below,” said Dr. Morato.


With Citi’s commitment in growing grassroots enterprises, the CMDC was recognized as the Social Empowerment Awardee in the 2013 Asia Responsible Most Outstanding Awards given by Enterprise Asia.

Uplifting Lives and Communities through the Gift of Learning

JPMorgan Chase & Co. and Bayan Academy continue to educate and empower through its Entrepreneurship Education for Community Development


In extreme situations of poverty, hope shines brightest in real-life examples of individuals who remain positive and persevere despite challenging odds. The stories of 3 individuals, who persevered despite the challenges and the odds, were able to earn decent living and uplift their lives and that of their family’s – thanks to the JPMC Entrepreneurship Education for Community Development (JPMC EECD), a program of JPMorgan Chase Co. through the JPMorgan Chase Foundation and Bayan Academy for Social Entrepreneurship and Human Resources Development (Bayan Academy).


Melinda Bernabe, Edwin Gialolo and Ronnie Boy Flores come from different backgrounds but all share the same aspirations – to help their families by providing for their needs, to get education and employment and to improve their lot.  Through their training at the JPMC EECD, they were able to gain not only education and employment but also the self-confidence and the hope to move forward in their lives and see themselves in a better light.

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Melinda (fourth from left) received her medal at the culminating activity.

Melinda Bernabe may have once been a shampoo girl in a hair salon, but now, she operates her own hairstyling and foot spa business at her hometown in Taytay, Palawan – the result of her training with JPMC’s EECD.  Born to a poor family with five children in a remote area, she was forced to stop going to high school in order to help support them.


While she married young, her husband left her and their 2 children, forcing her to work in a beauty parlor.  “I wanted to work as a beautician when I was young. It was my dream, but I do not have the means to study,” she said.


So when the opportunity to join the JPMC EECD came, Melinda grabbed it and decided to study. For 30 days, she acquired skills by gaining knowledge inside the classroom and experience during their class inside the salon. After her graduation, Melinda took and passed the TESDA’s Beauty Care NC II assessment in 2014. She went back to her hometown to start her own small salon — Melinda’s Touch — in front of her house.


Three months after operating Melinda’s Touch, Melinda gained loyal customers and grew her business. With her initial earnings, she was able to purchase equipment and beauty products. By word of mouth, her number of customers increased.


Now, Melinda earns between P1,000 to P2,500 per week from around 50 regular customers. With this, she is able to help her parents and also able to provide good education for her children.


“I feel proud as I am able to do what I love doing, and at the same time, I am able to support my family,” Melinda shared. Melinda’s Touch also accepts hair and make-up services  for wedding events and she occasionally invites her former classmates-beauticians to work with her as her assistants.


Edwin (left) with his batch mates in a group session.

For Edwin Gialolo of Tacloban City, an elementary drop-out student, Typhoon Yolanda was the culprit to the downfall of his family. Losing hope of finding a good life after what happened, he joined the thousands who were offered resettlement in Manila, and left his family in the ravaged city not telling them where he is going to.


Instead, he found himself becoming a street kid, roaming major thoroughfares begging for money and looking for food scraps, almost lured by local crime syndicates into petty theft.  It was the timely rescue by the Center for Community Transformation (CCT) in Pasay City that saved him from his quagmire.  He was brought to CCT in its shelter in Magdalena, Laguna and the NGO informed his family that he is staying there presently.


His dorm parents noticed Edwin’s interest is always inside the kitchen, attentive to how food is being prepared. CCT, as a partner of Bayan Academy, offered him to join the Cookery NCII community-based training in its Tagaytay Retreat Center.


“I have always wanted to be like (famous TV celebrity chef) Boy Logro,” Edwin confessed. “I want to become a chef because it is a very in-demand job here in our country and abroad. It also pays well which will help me and my family. I want to build a home for my family where we can live happily and peacefully.”


Edwin said that after passing the TESDA’s Cookery NC II assessment in 2014, he was inspired to finish his primary education at the CCT Magdalena School while at the same time, he worked as Kitchen Assistant at CCT Magdalena.


“I am thankful to JPMorgan for giving me the chance to learn cooking.  I will return with pride and a toque on my head, to show to my parents that something fruitful came from my journey to Manila,” Edwin shared.



Styling Himself for a Second Chance

Ronnie Boy Flores of Baseco, Tondo, Manila used to see himself as a wayward child, rebellious and always in trouble.  Living in a depressed community like Baseco where clearly the struggle to lead a decent life is real, Ronnie Boy lived like most of his peers and was a source of disappointment to his family.


A friend told him about the JPMC EECD training. He joined but did not take it seriously at first. “I got encouraged mainly for the free food being given during the sessions, the free uniform and transportation allowance,” he confessed.  “At first, I did not take the training seriously; our instructors often reprimanded me. I am also not confident about myself as I just finished Grade 3. I have difficulty in reading and writing,” he honestly shared.


In time, he had a change of heart and started to appreciate the lessons being taught. “I realized the worth of learning the skills so that I could earn money the decent way. I also thought I needed to change and become worthy of my family’s respect.”


With this change, he struggled to cut ties with his troubled past. “I got teased and heckled by my former friends every time I passed by and refused to drink with them.”


Even when he finished and started working, it was an uphill climb. He was offered a job in Reyes Haircutters, one of Bayan Academy’s partner-institutions. “Though I learned how to cut, put color and perm hair, I wasn’t given immediately those jobs,” he narrated.  “At first I only handled the dust pan and broom for sweeping the customers’ cut hair.  In time, he was given more challenging jobs and now he is proud to say that he has handled them well.  He also got a regular job in the salon’s branch at Anonas, Quezon City as a senior haircutter.


Ronnie Boy receives P13,000 monthly income from his salary, commissions and tip. He also received other company benefits required by the government.


At present, he is the breadwinner of his family having six siblings. He was able to send his sister to school and now affords to rent a place with his mother outside Baseco.


Ronnie Boy spoke in behalf of his batchmates during their graduation and left a promise: “I promise to put to good use all the things I have learned in order to achieve for myself and my family. We are leaving this place with your dreams for us – to become successful and uplift our families from poverty. Thank you to Bayan Academy and JPMorgan for believing is us when nobody seems to.”


Helping People Lead More Productive Lives


For five years now, the JPMorgan Chase Foundation has been tremendously supporting the plight of disengaged youth and adults in high need urban communities in the Philippines.

Through the JPMC Entrepreneurship Education for Community Development Program, Bayan Academy is set to train 1,049 individuals by the end of 2015 with the objective of preparing them to become productive.


Roberto L. Panlilio, JPMorgan Chase Philippines Senior Country Officer, believes that a productive and financially capable workforce will continue to bring about economic development and progress for the country. “We remain committed to our corporate responsibility agenda and support efforts to build vibrant communities. This program has also become an opportunity for our employee volunteers to mentor our beneficiaries, share their skills and expertise and extend assistance where they can,” says Mr. Panlilio.


“Thus, as we continue to touch the lives of many, we need to make sure that our experiences in doing this developmental approach must be documented and shared,” said Dr. Eduardo Morato, Chairman and President of Bayan Academy.


For more information on JPMorgan Chase & Co. Entrepreneurship Education for Community Development Program, visit Bayan Academy at 825 EDSA, Quezon City, call 920-3025 or email bayanacademy@gmail.com.


Bayan Academy Successfully Concludes Beauty Care NCII Technopreneurship Course

On August 10, 2015, Bayan Academy’s Technical and Livelihood Center conducted a 26-day Technopreneurship course about Beauty Care NCII in Mandaue City, Cebu. This TESDA-accredited workshop trained the disengaged youth and adults on a wide array of beauty care services such as manicure and pedicure, hand spa, facial treatment, foot spa and facial make-up application. A total of thirty (30) graduates, equipped with the necessary skills, passed the competency assessment of TESDA Region VII. 18 were accepted for internship at Rose Institute of Cosmetology and Pharmacy while the rest chose to apply the training and entrepreneurship knowledge they have gained by setting up their own businesses.


The graduation, which was held on September 10, was hosted by JPMorgan Chase & Co. at their building premises in eBloc Tower 1, Cebu I.T. Park. The event was attended by key representatives from the partner organizations – Catherine Chiong, Vice President, and Nina Perez, Assistant Vice-President for JPMorgan Chase & Co.; Philip Felipe, Executive Director of Bayan Academy; Jose Marmol, Focal Person for Community Based Training Program of TESDA; Arlyn Bunso, SCA Facilitator; and Ma. Vida Rosales, Area Servant Leader of Center for Community Transformation (CCT).


“Start dreaming big for yourselves, your families and the communities where you live in.”, shared by Cathy Chiong from JPMorgan Chase & Co. during her inspirational message to the graduates

Before the program ended, Bayan Academy Executive Director Philip Felipe thanked JPMorgan Chase & Co., TESDA, and Center for Community Transformation and Rose Institute, for their continuous commitment in promoting workforce readiness in Cebu. He also reminded the graduates that beyond the skills they learned, it is their attitude and character that would make them last and successful in their fields.



Graduates of Technopreneurship on Beauty Care NCII with representatives from Bayan Academy, JPMorgan Chase & Co., TESDA, Rose Institute and Center for Community Transformation

Bayan Academy for Social Entrepreneurship and Human Resource Development, in partnership with JPMorgan Chase & Co., continues to develop the unemployed youth and adults to become productive members of the society through the Technical and Livelihood Program sponsored by JPMorgan Chase & Co.


Since 2010, JPMorgan Chase & Co. and Bayan Academy have been working together to develop technical skills training – programs including hair styling, massage and spa services and technopreneurship training which combined technical skilling with entrepreneurship modules customized according to the technical skills taught – for the disengaged youth and adults from low-income communities in Manila, particularly in BASECO. In 2014, JPMorgan Chase started funding for the engaged youth, which aims to address the mismatch of skills that are currently available and the skills needed in the workforce.


For more information, you may visit www.bayanacademy.org or contact Mr. Arthur C. Aguinaldo of Bayan Academy at 426-3140 / 927-9365.


New ‘Masters in Social Entrepreneurship’ Course a Helping Hand for Change Makers

From creating solar power kits for low-income families to paving the way for small-scale farmers to export their goods, social entrepreneurs are helping the society’s marginalized and disadvantaged. Often hailed as change makers, social entrepreneurs are individuals who provide innovative solutions to some of society’s most pressing challenges.



AGSB Dean Rodolfo Ang stresses the University’s commitment to nation building, poverty alleviation and inclusive growth.

A social enterprise idea is one thing but succeeding is another. With that in mind, social entrepreneurs gathered at the Ateneo Graduate School of Business in Makati City on June 19, 2015 to discuss how a practitioner-oriented curriculum could benefit them.


“Leadership, Innovation, Social Impact, Be Part of the Social Change” served as the pre-launch of AGSB’s newest Masters in Entrepreneurship for Social Enterprise Development (ME SED) track. The new discipline is geared towards helping mission-driven individuals achieve growth through continuous innovation and transformation.


In his welcome remarks, AGSB Dean Rodolfo Ang emphasized the role of social entrepreneurs and how it complements Ateneo’s commitment to nation building, poverty alleviation and inclusive growth.


“We share your passion and hope that we can play a role in helping enable people to help others help themselves.”


“We hope to be of service to you so you can be of service to others,” says Dr. Eduardo Morato.

The main speaker, Dr. Eduardo Morato gave an overview of social entrepreneurship, stating the virtue of a good entrepreneur as one that does not merely provide jobs but creates value.


“Merely providing labor wages is not enough – we have to create value, raise productivity and raise the bar,” he said.


Morato chairs the ACE Center for Entrepreneurship and Management Education, Inc. and Bayan Academy. He is also the Program Director of Executive Doctorate in Educational Leadership at the Development Academy of the Philippines. He served as course designer for the AGSB ME program as well as the Master in Corporate Entrepreneurship and the ME SED track.


He added that most social entrepreneurs may need help in fostering an entrepreneurial and socially responsible outlook. This is where AGSB’s ME SED course comes in handy.


“That is the spirit of the program. It is a highly practitioner-oriented program. It is not an academic program in a traditional sense,” he said.  ME SED aims to help social entrepreneurs attain sustainability and higher efficiencies for their social enterprise.

The program has 3 building blocks/modules: Preparing the enterprise and self-enhancement; Creating and running the enterprise and self-engagement; and Growing the enterprise and self-enlightenment.


The forum serves as the pre-launch of AGSB’s newest Masters in Entrepreneurship for Social Enterprise Development.

Lisa Dacanay, president of the Institute for Social Entrepreneurship in Asia, gave perspectives on social entrepreneurship.


Lisa Dacanay talks about the different perspectives of social entrepreneurship.

Morato and Dacanay will serve as mentors to the ME SED students.


For more details on the AGSB ME SED track, send a message to entrep.gsb@ateneo.edu or call (632) 899 7691 (local 2407) and (632) 899 4579.







Pinoy Tsuper Hero 2015: The Search for Model Drivers in the Philippines

The modern day driver is someone that truly cares about the environment. He is the protector of the passengers. He is the formator of strong Filipino families. He serves as an inspiration to his colleagues and to the transport group in general. They have the ethics worthy to be called the Pinoy Tsuper Heroes of today deserving to be recognized and applauded.


The prime mover of Pinoy Tsuper Hero, Mr. Dennis Uy, President and CEO of Phoenix Petroleum Philippines


The Pinoy Tsuper Hero (PTH), the nationwide search for the role model Filipino driver has recognized its first grand winner at the Dolphy Theater of ABS-CBN Corporation on May 28, 2015. Pinoy Tsuper Hero is fueled by Phoenix Petroleum Philippines in cooperation with ABS-CBN Lingkod Kapamilya Foundation and Bayan Academy for Social Entrepreneurship and Human Resource Development (Bayan Academy) that aims to empower the transport group by engaging public-private partnership in providing quality information campaign and capacity building to promote drivers as defenders and not offenders. Since November 2014, PTH has been on the road gathering nomination forms from ten areas including Zamboanga City, Davao City, General Santos City, Bacolod City, Cebu City, Cavite, Batangas, Pampanga, Bulacan, Pasay City and Quezon City. The successful provincial activation was made possible by ABS-CBN Regional Network Group headed by Atty. Abigail Aquino-Querubin, the official media partner of PTH.


This project was thought of and initiated by the President and Chief Executive Officer of Phoenix Petroleum Philippines, Inc., Mr. Dennis Uy. According to Mr. Uy, it was when typhoon Pablo hit the country and was being televised that on a Christmas time, some drivers will not be able to be with their family because they need to serve and drive for the victims of the typhoon, thus, giving him the idea of creating Pinoy Tsuper Hero.


”This will be the first program to recognize and appreciate drivers who do beyond their call of duty and who can serve as role models not only to fellow drivers but also to the fellow Filipinos,” Mr. Uy said. hit the country and was being televised that on a Christmas time, some drivers will not be able to be with their family because they need to serve and drive for the victims of the typhoon, thus, giving him the idea of creating Pinoy Tsuper Hero.


Ms. Charo Santos-Concio, President and CEO of ABS-CBN, welcoming the guests, finalists, and Phoenix Petroleum Philippines.


This project also highlights the good things and inspiring stories about the drivers. Ms. Charo Santos-Concio, the President and Chief Executive Officer of ABS-CBN Corporation, confirmed in her speech that Maalaala Mo Kaya (MMK) will be choosing stories from the Pinoy Tsuper Hero Top 10 finalists.


“Dahil sa Pinoy Tsuper Hero, may mga magsisilbing inspirasyon at paalala sa ating lahat, na kahit sino ka man maging ikaw man ay isang driver ay may kakayahan kang gumawa ng kabutihan at dapat tularan,” she added.


Doing business while doing good, this was raised by Ms. Gina Lopez, chairperson of ABS-CBN Lingkod Kapamilya Foundation, as she congratulates Pinoy Tsuper Hero and Phoenix Petroleum Philippines in coming up with such brilliant project to recognize Filipino drivers. She mentioned that ‘pwede pala! and kaya pala!’ for the corporate businesses to raise money while raising consciousness.


“You want to raise fund, you want to project corporate image, you do it by doing good,” she uttered.


Ms. Gina Lopez personally congratulates Phoenix Petroleum Executives on the success of PTH after she delivered her special message.

The awarding ceremony was graced and attended by prestigious guests, Chairman Francis Tolentino of the Metro Manila Development Authority (MMDA) and the Honorable Senator Grace Poe-Llamanzares who also shared their inspirational message to the Tsuper Hero.



Chairman Francis Tolentino of MMDA sharing his prepared presentation to briefly inform the PTH audience on what MMDA is currently busy about in promoting road worthiness.

Chairman Tolentino was grateful to be invited in the first program that recognizes the drivers of the country. He gave points on the importance of the transport sector in contributing for the economy of the country and the appeal to give importance to the drivers too by providing benefits.


“Sa makabagong panahon, ang ating mga tsuper ay isa sa mga sector na kailangang pagtuunan ng pansin maliban sa paglalaan ng pondo, imprastruktura dapat tutukan natin maging ang kanilang kalusugan,”, he shared.


The chairman also left a challenge to the drivers as they become the Pinoy Tsuper Heroes, he said to them, “magpatuloy sa pagseserbisyo ng may buong kagalingan at manguna sa paglikha ng mga bagay na may masaganang bunga ang ating mga driver, ang inyong kontribusyon maliit man o malaki sa paningin ng marami ay may benepisyo sa pangkalahatan.”



Pinoy Tsuper Hero finalists strike their pose after the brief encounter with Sen. Grace Poe- Llamanzares


The PTH Team was also fortunate to have Senator Grace Poe-Llamanzares in sharing her time and relating the values acknowledged by his late father as it used to have famous movies starred by the role of a driver. Senator Poe- Llamanzares mentioned that driving also becomes his father’s basis in knowing one’s ability in making life. The drivers also became the most trusted ones in keeping life, making their family driver as her best example of being honest and confidant to them. But she reminded the drivers of its role to further the verve in the road by doing their responsibilities on their vehicles and in following traffic rules and regulations.


Ang totoong husay ay nakikikita hindi sa paggawa ng extra-ordinaryo, kung hindi sa mga bagay na karaniwan, sa mga bagay na paulit-ulit man ay ginagampanan pa rin ng buong ingat at galing. Ganyan ng ipinamalas ng 2015 Pinoy Tsuper Hero, kaya kayo ang aming mga ehemplo, dahil sa inyo, ay nagiging mas maayos ang pagpapatakbo ng trapiko at sana ay marami pang mga katulad ninyo.”, she added.


The senator also extends the help of her office to the Pinoy Tsuper Heroes in case they would like to be assisted with their grievances.



Mr. Romeo De Guzman, Chief Operating Officer of Phoenix Petroleum Philippines sends his advice to the “kings of the road”.

The culminating day also turned to be the kick-off of the Pinoy Tsuper Hero 2016 as Mr. Romeo De Guzman, the Chief Operating Officer of Phoenix Petroleum Philippines announced the expansion of the project for the upcoming year.


“This is not the end of this met, it’s just the beginning of what we have started this year. Next year we will launch a much wider horizon marami kaming pupuntahang lugar di lamang yung 10 regional places o lugar sa Pilipinas. Umaasa kami na itong mga Tsuper Hero ay magpapalaganap ng inyong mga lahi sa buong Pilipinas,” he announced.


The Road to the National Selection


The Pinoy Tsuper Hero regional winners needed to pass the Secretariat’ shortlisting process, verification and background check before facing the Regional Selection Committee. The Top 1 in the region faced the members of the National Selection on May 27, 2015 to present themselves and their transport related advocacies.

Ms. Celina Matias, AVP for Band & Marketing of Phoenix Petroleum Philippines, one of the co-chairpersons of the National Selection Committee, briefly shared the process and criteria that the finalists underwent during the finals interview and after attending a special course on social marketing for the transport group.


“For the presentation, we had several criteria, first is the relevance ad social impact of their project, doability, charisma and communication skills,” Ms. Matias shared. She also mentioned that the selection committee took into consideration on how did the 10 made it to the finals, “We also took into consideration lahat ng matrix kung bakit sila nandito – family background, safety, responsible driving, pre-inspection with the vehicles. All of these make our Pinoy Tsuper Hero today,” she added.


During the final presentation and interview, the National Selection Committee headed by Dr. Eduardo Morato, Jr., Chairman & President of Bayan Academy, pushed for the recognition of the personal qualities and the drivers’ ethics on top of their numerical scores.


The reason why I don’t want the numbers to tie our hands is because their presentation is just half of the formula. We have to recognize their performances in taking care of their families, their abilities in protecting the environment, their very personal qualities. Having put the numerical scores, let’s make the qualitative differential,” he said during the nationwide finals deliberation.


Pinoy Tsuper Hero 2015 National Selection Committee chaired by Dr. Eduardo A. Morato, Jr., co-chaired by Ms. Celina Matias of Phoenix Petroleum Philippines and Mr. Paul Mercado of ABS-CBN Lingkod Kapamilya Foundation, with members: (L to R) Mr. Antonio Tagaro of Department of Enivronment anad Natural Resources (DENR), Rev. Fr. Antonio Labiao, Jr. of the Diocese of Novaliches, Mr. Joseph Abeleda of Liga ng mga Transportasyon at Mga Operators ng Pilipinas (LTOP), Cynthia Cruz of Automobile Association Philippines (AAP), Engr. Aileen Mappala of University of the Philippines- National Center for Transportation Studies Foundation (UP-NCTSFI), and Atty. Abigail Aquino- Querubin, Head of ABS-CBN Regional Network Group.

The pride of Lipa City Batangas, tricycle driver cum model father Reynaldo Samonte won the first ever Pinoy Tsuper Hero award. His runner up was Conrado Canilao, an entrepreneurial tricycle driver from Porac, Pampanga received additional 30,000 pesos on top of his regional prize of 40,000 pesos in cash.


Reynaldo received a total cash prize of 140,000 pesos, 50,000 peso-worth of fuel and lubes from Phoenix Petroleum, 1,000,000 peso- worth of family accident insurance for a year, and a brand new tricycle with complete franchise.



Winning moment. Reynaldo Samonte of Lipa City Batangas gracefully raised his trophy awarded by Mr. Dennis Uy, President and Chief Executive Officer of Phoenix Petroleum Philippines, as he was declared to be the very first Pinoy Tsuper Hero.




JPMorgan Chase Foundation Empowers Provincial Educators with K-to-12 Technopreneurship Training

JPMorgan Chase & Co. (JPMC) through the JPMorgan Chase Foundation continues to empower educators across the country with its Teachers’ Training on Entrepreneurship for the K to 12 Basic Educational Program to be implemented in 2016.


Roberto L. Panlilio, Senior Country Officer at JPMorgan Philippines, shared through a message that the global financial services firm remains committed to the Philippines, to helping communities, and to nationwide job creation efforts. “We believe in the impact of the comprehensive six-day technopreneurship program developed by Bayan Academy for Social Entrepreneurship and Human Resource Development, Inc. and have seen its effectiveness in equipping Technology and Livelihood Education (TLE) teachers with the necessary entrepreneurial knowledge to teach Senior High School (Grades 11 and 12) students under the K to 12 program. We continue to work closely with our nonprofit partners and encourage our own employees to support these programs that aim to create pathways to opportunity for those who most need them.”


“The program was started to provide a better chance for students to start their own enterprises through technical skilling and entrepreneurship. Bayan Academy is one in this quest of making the unemployed but technically skilled individuals become productive members of the society,” said Dr. Eduardo A. Morato, Jr., Bayan Academy’s Chairman and President.


With 160 teachers from 159 schools participating in its initial run in the National Capital Region in 2014, the success and positive reception of the program prompted JPMorgan Chase and Bayan Academy to expand its reach to different provinces, in partnership with the Department of Education (DepEd).  A series of runs were conducted in Region III and IV, and most recently in the Visayas region – specifically in Cebu, Leyte and Samar. A total of 313 teachers from more than 200 DepEd schools participated.


During the training run in Cebu City, a module on proper decorum during a job interview was led by JPMorgan Chase & Co.’s Cebu Global Service Center. Employee volunteers also engaged with the teachers in role-playing exercises that would equip the latter with the right set of soft skills on how to effectively deliver the right messages during interviews as well as in interactions with their own students.


“This is the first time that TLE teachers have gone through an intensive 6-day training program,” said Febelyn Bendulo, DepEd Cebu City Division’s TLE Supervisor. “We are happy that we were given this type of training to equip us in teaching our students,” she added. “This particular workshop exceeded my expectations,” shared by one of the participants Criselda Mariñas from Abellana National High School.


Another program is slated in June in partnership with the Technical Education and Skills Development Authority (TESDA) and Technical Vocational Schools and Associations in the Philippines (TEVSAPHIL).


Since 2010, JPMorgan Chase & Co. and Bayan Academy have been working together to develop technical skills training for the disengaged youth and adults from low-income communities in Manila, particularly in BASECO. In 2014, JPMC started funding for the engaged youth, which aims to address the mismatch between the skills the youth currently have and the skills needed in the workforce.



Graduates of the 6th JPMC Teachers’ Training on Entrepreneurship for the K to 12 Basic Educational Program with JPMorgan Chase’s employee volunteers led by Revie Anne Serrano, Asst. Vice President for Communications and Cathy Chiong, Vice President for Compliance.

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Beyond Checkbook Philanthropy – the Citi Volunteers Way


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For four years now, we at Bayan Academy have welcomed Citi volunteers year-round to serve as trainers and mentors to high potential microentrepreneurs in the Philippines.


This year, as Citi marks 10 years of its Global Community Day, our doors continue to be wide open to the increasing number of Citi volunteer-business mentors who never fail to give their all when coaching our “student” microentrepreneurs.


Our partnership with Citi Philippines began in 2011 when Citi Foundation agreed to pilot our proposal to address the knowledge and skills gap faced by low-income microentrepreneurs who wished to scale up.


We established the Citi Microenterprise Development Center (CDMC) and through a Grassroots Entrepreneurship and Management program, we began providing quality and intensive enterprise development training programs in Metro Manila.


We also knew that our students would need more than formal training so we introduced Small Business Advisory and Coaching Services to mentor our microentrepreneurs as they sought to build bigger and better businesses.


What we didn’t know, however, was just how much support Citi Philippines would provide. We quickly learned that the bank was so much more than checkbook philanthropy. It has and continues to be committed to tapping its people as agents for positive change.


Throughout these years and across our various initiatives, Citi volunteers have guided our microentrepreneurs by providing their expertise on a range of relevant business topics – finance, marketing, operations, law, and leadership, amongst many others.


We at Bayan Academy have been privileged spectators, seeing for ourselves the efforts put in by Citi volunteers to really make an impact in the lives of our beneficiaries.


Our students share the same experience: they continue to be amazed at the deep involvement of Citi volunteers from CCO visits to roundtable discussions and having Legal officers orient them on the laws governing their businesses.


This Global Community Day, aside from classroom mentoring, Citi volunteers will be going one step further. They will be visiting the business premises and employees of our microentrepreneurs, providing them with deeper insight on what they can improve and further develop.


These sessions will further continue post-Global Community Day so that Citi volunteers can monitor the actual implementation of their suggestions and recalibrate if and when necessary.


The entire Bayan Academy community is glad to see Citi volunteers actively engaged; their generosity has become a powerful tool to capacitate the microentrepreneurs towards continuous growth.


The contributions of Citi Foundation, Citi Philippines and the Citi volunteers is more than corporate social responsibility; it is in fact impact investing that has created a model of microenterprise development here in the Philippines.


To date, with support from Citi, Bayan Academy has nurtured almost 2,000 micro business owners keen to take that next big step. Our programs have also gone beyond Metro Manila, to include Visayas and Mindanao.


I look forward to yet another successful Global Community Day with Citi Philippines and to the further development of our strong partnership.


Weaving Dreams and Fulfilling Wishes


Rosemarie Eroles displays her fashionable bayong during a recent exhibit at the Citi Microenterprise Development Center.


Bayan Academy and Citi Foundation partners to help micro-entrepreneurs upgrade their business potentials



Remember the timeless adage, “Behind the success of a man is a woman?” In the case of Rosemarie Eroles and Catherine del Monte, it was the other way around.  Rosemarie’s husband Alex and Catherine’s husband Richard, have always been the ever-supportive partner to these aspiring businesswomen.


For 10 years, Rosemarie and Alex have been at the helm of a 12-year-old enterprise selling native handicrafts, which in turn is helping plain housewives and young women in Lucban, Quezon who weave buri and pandan leaves into fashionable bags.  Their business Marilex Handicrafts was the offshoot of Rosemarie’s training with Bayan Academy’s Citi-Bayan Entrep Eskwela program, where she was part of Batch 3 in 2012.


On the Del Monte couple’s side, their one-stop cellphone repair and accessories shop in Sta. Lucia mall bloomed through the years that their business now occupies an entire block in the mall’s floor and they have even expanded into various cellphone-related businesses. They started in just a small corner a few years ago with people discouraging them to get that small area as it is not usually noticed by mall goers, but through their persistence and hard-work, their efforts paid off.


Improving products

“I have been selling bags and handicrafts made from buri and pandan, which I learned from my parents who have been doing it since 1978,” explains Rosemarie while in her shop at a mall in Quezon City.  “But when I attended the classes at Bayan Academy, I got to learn more about improving and marketing the products. I learned that I could turn the bayong, which is usually something you would only bring to the market, into something fashionable and classy.”


She then put up Marilex Handicrafts, an offshoot of their husband-and-wife business Eroles Collections, which turns the woven bags that they buy from their hometown in Lucban into artsy accessories in their house in Luzon Avenue.  From selling their products in bazaars and tiangges, people started noticing the quality and style of their bayongs which paved the way for them to supply for the likes of SM and The House of Tesoro.  She proudly says that they have become a hit with balikbayans who buy many pieces and in turn, become “exporters” of her products.


However, this has not stopped her from pursuing other things.  Now, she is also selling ladies’ accessories like bracelets, necklaces and earrings; and homemade food like yema cake, Lucban longganisa, and pancit habhab from her hometown.  These items now help augment income to the already thriving sales of her bags.  She has also been a regular fixture in community bazaars, tiangges and trade shows.  In short, the once plain housewife is now a full-time businesswoman.


One-stop shop

“When we started, we were the only one who does repairs and service for cellphones. We started really small but we saw the opportunity to provide cellphone accessories and sell more units. Customers came in because we were a one-stop shop for all their cellphone needs. Soon, we were being emulated by other tenants in the mall,” says Richard.  “With the income we have set aside, we expanded our space and got other spaces too so that we can reach out to more customers.”


The Del Monte couple are unfazed with the competition. In fact, they relish

it a

s they discover more opportunities for income-generating activities. “Right now, we ha

ve opened a pawnshop for gadgets… as we found this another good venture as people are sometimes in need of immediate cash.  We also opened a printer repair shop so
if the cellphone business takes a backseat, then there is another business to turn back to.”

Lessons learned



Husband and wife Richard and Catherine Del Monte recently opened their newest branch of Trich and Trish Telecom Marketing located along Marcos Highway, Cainta, Rizal.

Rosemarie and Catherine credit a lot of their training from the Citi-Bayan Entrep-

Eskwela in honing further their entrepreneurial skills, with how they manage their people and the financial side of the business.


“The most important business technique I learned from [the classes] is

to avoid taking the profits from the business into buying things that are us

ually ‘luho’.  I admit that it was really tempting in the beginning to buy things that would make us feel good.

But now, we take into consideration first what we would do with the profit.  We decided to save while rotating the capital to other businesses,” says Rosemarie. Catherine wholeheartedly agree, adding that “income from business should be used to expand the business, not to buy items that are not necessities for everyday living. Capital should also not be touched for personal purposes.”


Since 2006, Bayan Academy’s flagship Entrep-Eskwela Program,

also known as Grassroots Entrepreneurship and Management (GEM) Program, had a total of 21 program licensees. These licensees are now implementing GEM in their own organizations through 426 accredited trainers who have undergone training for this purpose.


“The reach of this program is estimated to be 500,000 micro-entrepre

neurs who will now be able to bring their enterprises to a higher level,” says Dr. Eduardo Morato, Bayan Academy President.  “This is real nation-building at its finest as these successful micro-entrepreneurs will uplift not only the lives of their family but also their community or even back to their hometowns.”


With support from Citi Foundation, the CSR arm of Citibank Philippines, the Citi-Bayan Entrep-Eskwela Program was launched. It is part of the “Citi Microenterprise Development Center (CMDC)” Project, which supported the establishment of a center that will cater to training 200 high-potential microfinance clients.  Composed of more than 100 modules, the program assists participants in learning the various facets of enterprise management, including a self-mastery module.


Husband and wife Richard and Catherine Del Monte recently opened their newest branch of Trich and Trish Telecom Marketing located along Marcos Highway, Cainta, Rizal.


JPMorgan Chase, Bayan Academy and TESDA Empower Out-of-school and Underprivileged Youth Through Technopreneurship Program


TESDA Director General Joel Villanueva received a certificate of appreciation for his support of the joint JPMorgan Chase – Bayan Academy entrepreneurship program from JPMC Head of Communications, Pixie Javier-Gutierrez.



Global financial services firm JPMorgan Chase & Co. (JPMC), through its social responsibility arm JPMorgan Chase Foundation, works with various organizations to create pathways to opportunity for their beneficiaries by supporting economic growth, workforce readiness, and financial capability in communities around the globe. In 2010, the banking giant’s Philippines office embarked on a community development together with social development organization Bayan Academy, to empower out-of-school youth in the marginalized community of BASECO. The JPMC Entrepreneurship Education Program for Community Development was implemented to provide participants with technopreneurship training on Commercial Cooking, Hairdressing and Beauty Care. The success of the pilot prompted JPMC and Bayan Academy to scale the program and expand their reach for a fourth year. From an initial 25 beneficiary families in 2010 to a target of another 500 families for 2015, selected participants come from different poverty-stricken areas in the National Capital Region and other high-need communities in Pampanga, Cavite, Palawan, Bacolod, Davao and Gen. Santos City.


“Our program partnership has touched the lives of over 544 families from 2010 to 2014,” shared Patricia Anne Javier-Gutierrez, Head of Communications, on behalf of Roberto Panlilio, Senior Country Officer, JPMorgan Chase & Co. (JPMC) Philippines, during the recent graduation of training participants held at the JPMC Building in Taguig City. “That would translate to over 2,700 direct individual beneficiaries and boasts of an increase in employment rate from 82% from the first batch of graduates to now 91% for this fourth batch of graduates,” she added, referring to the 206 NCR-based program participants.


JPMC and Bayan Academy has also sought the help of government agency Technical Education and Skills Development Authority (TESDA) for conducting JPMC-sponsored training programs.


“I’d like to congratulate JPMorgan and Bayan Academy for putting together this program that would not only empower our youth, but also encourages our fellow Filipinos who are looking for a way to achieve their dreams,” said TESDA Director General Sec. Joel Villanueva who graced the said event as a keynote speaker. “Not too long ago, a lot of people would think of technical-vocational [graduates] as second-class citizens. Before, the only key to be successful in life was to be a college graduate, but I beg to disagree. There’s a choice for all of us and there’s a career track for the tech-voc sector,” Villanueva added.


To ensure placement for graduates of the program, Bayan Academy continues to form strategic partnerships with several different companies that have included Reyes Haircutters and The Manila Catering.


“There’s something exquisitely magical that happens when people work together,” remarked Gina Lopez, Chairman of the ABS-CBN Lingkod Kapamilya Foundation, Inc. and Vice-Chair of Bayan Academy. “It goes far beyond what you’re able to achieve on the physical plane but there’s something that happens when people join their hearts together for a common cause,” she added and applauded Bayan Academy for a successful run of the training program.


In the same spirit, Mr. Celestino “Les” Reyes, founder of Filipino salon chain Reyes Haircutters, shared his three simple rules for success: Learn, Earn and Save.


A few of the graduates also shared their success stories. Eighteen-year-old Jerick Sapnay, a graduate of Hairdressing, was an unemployed high school graduate who found out about the training program through the Diocese of Novaliches. His dream of having a comfortable home for his family is what motivates him to do well in his new career.


Originally from Misamis Occidental, 23-year old Aileen Clarin came to Manila in 2010 and worked as a sales lady and factory worker before she enrolled in the Cookery course. Born to farmer parents and the youngest of 7 children, she was unable to go to college because of her family’s lack of income. “Even if I enjoyed cooking, I knew my knowledge wasn’t enough to get me a job. After passing the TESDA assessment, she was offered a kitchen assistant position at The Manila Catering where she did her on-the-job-training.


Aside from out-of-school youth, the training program was also offered to those who sought better opportunities. Manuelito Olario’s true passion is cooking, which he was able to pursue through the Program. A graduate of BS Education from Pasig Catholic College, he worked as a waiter while undergoing training and is now working at Benny’s Café in Makati City. “Because of JPMC, Bayan Academy and TESDA, I was able to enhance my skills and know-how. The training was really helpful and I’m able to use that knowledge towards pursuing my dream,” he said.



“From having no source of income, the program graduates now earn and can contribute to their family’s and the community’s economic and social development – an accomplishment in itself that the program implementers should be very proud of,” shared Javier-Gutierrez.



Program Partners (from left-Les Reyes, Dr. Morato, Jr., Ms. Gina Lopez, Ms. Pixie Gutierrez, Ms. Marietta Goco, Dr. Ned Roberto, ERDA Foundation’s Edlyn Burgonio, LGU Pasig’s May Ann Mirabete, Rev. Fr. Ramon Maria G. Bernabe, OMI)

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JPMorgan Chase Head of Communications Pixie Javier-Gutierrez challenged the graduates to be industrious as they progress in their careers


Vice Chair Gina Lopez of Bayan Academy with the graduates


JPMorgan Chase Foundation’s Beauty Care Scholars


JPMorgan Chase Foundation’s Hairdressing Scholars


JPMorgan Chase Foundation’s Cookery Scholars