|FULFILLING THE PROMISE. Leah Dinglasan, 41, fulfills the dream and her promise to husband Marine Technical Sergeant Aldrin Cadiz Dinglasan to grow the business the soldier has started.|
This has been her routine ever since she lost her husband during the five-month siege in Marawi City after an ISIS-affiliated group from Mindanao took over the city.
While Leah keeps herself busy in managing the business her husband has left her, the widow is still coping with her loss.
“Mahirap, siyempre iniisip ko parin siya. Pero tuloy lang ang buhay,” Leah said, adding that she was left to care for their three children.
Tech. Sgt. Dinglasan, 41, was already three days into the siege after a sniper bullet struck his cheek on May 31, 2018. Moments before his death, he called Leah that once he returns from his tour of duty, they would manage together the small sari-sari store business they had started.
The soldier was set to retire after his Marawi duty.
After receiving a call and hearing the news of the soldier’s demise from his commander, Leah was at first in disbelief. She argued that he just called moments before.
Leah narrated how Tech. Sgt. Dinglasan’s body can’t be recovered due to heavy firing from enemy snipers. His body was recovered three days after his death.
Back in March 2017, the couple started a small variety store business for their family’s upkeep and finance their children’s studies.
With P20,000 in hand, Tech. Sgt. Dinglasan bankrolled the variety store and started the business before leaving for his tour of duty.
Leah was left to manage the business, while her husband is in Marawi City.
The couple hoped that soon, once he retires, they would grow the business into a mini-grocery store.
After her husband’s death, Leah received assistance from the government in various forms and from the private sector.
Leah in March 2018 received a P100,000 loan assistance from the Small Business Corporation (SB Corp.) under its special program, Wounded-and-Killed in Action (WIA-KIA), an offshoot program to help soldiers and police who were either killed or wounded during the Marawi conflict, from the Pondo sa Pagbabago at Pag-asenso (P3) micro loan program.
“Mayroon ding pension from the Armed Forces of the Philippines, Philippine Veterans Affairs Office, Employees Compensation Commission, financial and educational assistance para sa mga anak namin, at mayroon din galing sa private sector,” Leah added.
With the livelihood assistance she received, Leah made a few changes in the store, enlarging it and adding more supplies.
Five months after she received the financial assistance, the store is now worth P150,000, a 50% increase in capital.
“Minsan kumikita ako ng P8,000, yun na ang pinakamalaki. Pero kapag Monday, kumikita lang ako ng P3,000,” she offered.
Leah explained that it was Tech. Sgt. Dinglasan’s dream for the business to grow.
“Ang sabi niya sakin 'Ma, gusto ko yung tindahan natin magsimula sa maliit. Gusto ko palalakihin natin. Hindi yung tulad noong dati na kaunti lang yung laman ng tindahan natin,'” she said, holding back tears.
She also hopes that after she completes the payment for the P100,000 loan from SB Corp., she can borrow money from the P3 program to expand her business.
While she understands that her husband is gone, Leah is still grateful to Tech. Sgt. Dinglasan that despite knowing that she won’t share the accomplishment with him, he had left her and their children something that they will treasure.
“Gusto kong magpasalamat sa nasa ‘Itaas’ at sa asawa ko, dahil hindi niya kami pinabayaan,” Leah said.♦
Activity: DTI Negosyo Seminar para sa Marawi
Date: 30 January 2018
Venue: MSU-IIT Gym, Iligan City
Participants: Over 1,500 Internally Displaced Persons (IDPs) Of Marawi
Sponsoring Agency / Organization / Institution:
1. Department of Trade and Industry
2. Lanao Muslim Youth Association
3. College of Business Administration & Accountancy, MSU-IIT
With the destruction that Marawi City is experiencing, the Internally Displaced Persons (IDPs) are now asking on how they can recover from the devastation brought about by the war or how they can regain and begin their lives again.
The Task Force Bangon Marawi Sub-Committee on Business and Livelihood (TFBM-SCBL) headed by the Department of Trade and Industry continuously creates initiatives to allow the effective rehabilitation of the people of Marawi. Member-agencies are TESDA, DOLE, DSWD, DA, DAR, DENR, DOST, OPAPP and other international and local national organizations (INGOs/NGOs) and civil society organization (CSOs).
The “TF Bangon Marawi” programs initiated by the various government agencies are interventions in response to the clamor of the IDPs in helping them rebuild Marawi City and alleviate the lives of the affected families, not only in Marawi City but also in nearby municipalities.
Interventions include livelihood programs like conduct of trainings: skills training by TESDA and entrepreneurial trainings by DTI; provision of starter kits (DTI/TESDA); other livelihood projects from above-named agencies and financing assistance from SB Corporation.
The DTI Negosyo Seminar para sa Marawi is one of the entrepreneurial trainings that will help the IDPs, businessmen or not:
1. To develop the correct mindset and the livelihood opportunities they can engage in; to identify related interventions such as marketing and product development for IDPs businesses;
2. To further improve the recovery of IDPs with the delivery of seminar and information regarding proposed loan programs/grants.
The pool of speakers are considered experts of their own fields:
1. Dr. Francisco “Dean Pax” E. Lapid
a. Chairman of SPAC Information Technology, Inc. – provider of IT business solutions and systems developer in US
b. Acclaimed as one of the professional speakers and business consultants in the Philippines
c. AMEN Pioneer mentor of the Phil. Center for Entrepreneurship (PCE) Foundation, Inc. Go Negosyo
d. Dean of Entrepreneurship Circle of Bo Sanchez’s Truly Rich Club
e. An Adjunct faculty of Asian Institute of Management (AIM)
f. Has a passion to become an instrument of change for others, a founding mentor of LEAD MORE Development Center, a learning organization created by mentors who design, develop and deliver entrepreneurship frameworks with the purpose of prospering entrepreneurs and professionals on the way to mastery.
2. Armand Quismoro Bengco
a. Hosts GMA News TV’s and Light Network’s Possibilities with Francisco Colayco and RHTV’s Seminar School Plus
b. Currently, the Manager of Colayco Foundation and KsK Cooperative, a multi-purpose investment cooperative
c. Part of the GoNegosyo-Philippine Center for Entrepreneurship
d. Member of the Board of Directors of OWN Equity Mutual Fund of Metrobank Group, One Wealthy Nation, and other 4 corporations.
3. Paulo M. Tibig
a. One of the sought after and celebrated motivational speaker who earned the moniker of “#EntrepChamp” because of his business knowledge and wisdom.
b. A regular resource person in National TV and Radio
c. Also known as “a man who walks the talk”
d. 2014 ASEAN Business Award Philippines, Young Entrepreneur Award
This Negosyo Seminar para sa Marawi is organized by DTI in collaboration with the Lanao Muslim Youth Association (LMYA) and the College of Business Administration and Accountancy (CBAA) of MSU-IIT.
In support of the government’s efforts to jumpstart the rehabilitation of the already-declared liberation of war-torn Marawi and its nearby affected localities from terrorists influence, the Philippine Board of Investments (BOI) is proposing the inclusion of such areas in the list of Less Developed Areas (LDAs).
“Listing these areas as LDAs will encourage more investors, both local and foreign, to seriously look into investment opportunities in the said areas,” said Trade Undersecretary and BOI Managing Ceferino Rodolfo adding that such investments will mean more employment and income opportunities, and eventually lead to normalcy or even better quality of life for returning residents and internally-displaced persons (IDPs) in the affected areas.
Putting up investment projects in LDAs are entitled to maximum incentives provided under the Omnibus Investments Code including a 100 percent deduction from taxable income of necessary and major infrastructure works. As provided for in the 2017 Investment Priorities Plan (IPP)—a listing of the preferred priority investment activities that maybe given incentives, among the activities entitled to incentives are manufacturing, agribusiness, services, infrastructure, logistics, power generation, and mass housing.
Complementary to the government’s socio-economic agenda to uplift the lives of Filipinos and attain inclusive growth, the BOI has been at the forefront of facilitating and approving investment projects that are impactful, socially-relevant, labor intensive, and promotes innovation, while at the same time making sure that these projects are of national interests and makes responsible use of the country’s resources.
Earlier in 2016, the BOI Board, through Resolution No. 1902 Series of 2016 and adopted by Memorandum Circular No. 2016-003, approved the inclusion of 134 calamity-stricken cities and municipalities including those devastated by Yolanda in the list of LDAs in the 2014-2016 IPP. The initiative aims to stabilize and fast track the socio-economic rehabilitation and re-development in the areas devastated by super typhoon Yolanda back in 2013.
Already, the BOI approved a total of 92 projects worth Php141.36 Billion in areas highly affected by super typhoon Yolanda from November 2013 to October 2017. These investment projects will generate around 12,622 in new jobs at full operations.
About 83 percent of the approved investment projects are power projects where 27 of which are renewable energy, two bunker fired power plant, one diesel fired power plant, one energy storage and one energy source exploration project. The remaining 17 percent of the registered investment activities are shared by the sectors of transportation and storage (four percent), Manufacturing (four percent), Real Estate Activities mostly mass housing projects (four percent), accommodation and food service (three percent), and the remaining sectors (two percent).
Trade Secretary and BOI Chairman Ramon Lopez meanwhile reassured foreign and local investors that the government fully prioritizes restoration of peace and order in the country, safeguarding not only the citizens but also the security of businesses and investments.
“We wish to reassure our investors that the peace and order climate in the country remains stable and sound,” he said adding that the government guarantees protection of investments the right to repatriate profits and benefit from the administration’s drive for zero corruption.
President Rodrigo Duterte on October 17, 2017 declared Marawi and its nearby localities free from terrorist influence, marking the beginning of the much-needed rehabilitation of the areas. The President also earlier issued Administrative Order No. 03 creating Task Force Bangon Marawi, an inter-agency task force for the recovery, reconstruction, and rehabilitation of Marawi and the other affected localities. Among the functions of the task force is to develop and implement a comprehensive rehabilitation and recovery program based on a post-conflict assessment, and form sub-committees to focus on different areas for development.
The Department of Trade & Industry, BOI’s mother agency, along with the Department of Agriculture (DA), Department of Agrarian Reform (DAR), Department of Environment and Natural Resources (DENR), Department of Labor and Employment (DOLE), Department of Social Welfare and Development (DSWD), Department of Science and Technology (DOST), Mindanao Development Authority (MinDA), Office of the Presidential Adviser on the Peace Process (OPAPP), and Technical Education and Skills Development Authority (TESDA), constitute the member agencies of the Sub-committee on business and livelihood.
Already, the Sub-committee led by DTI distributed livelihood starter kits such as sewing kits and sari-sari store supplies to IDPs in Marawi and nearby areas, allowing them to start anew and earn even while still in evacuation centers.
In late September 2017, the DTI also launched the Bangon Marawi Product Store its Main Office in Makati City showcasing Maranao products on sale to the public such as brassware, wooden furniture, wearables, woven products, jewelry, fashion accessories, and native delicacies. The sales and proceeds of the Bangon Marawi products will go to the Maranaos who produced the products. DTI also carries the Bangon Marawi products in all Go Lokal! stores nationwide.
The other Sub-committees with their lead agencies include: the Department of Public Works and Highways (DPWH) for the immediate repair, rehabilitation and reconstruction of public schools, national roads and bridges and government buildings; the Office of the Cabinet Secretary (OCS) for the immediate rehabilitation and construction of temporary permanent shelters, and restoration of water, electricity and other public utilities; the DSWD and the Department of Health (DOH) for the provision of sanitation and health facilities, medical supplies, food, portable water, and other basic necessities; and the Department of Interior and Local Government (DILG) for the restoration and maintenance of peace and order, and continuity of public services in the city.
The President committed a P10-20 billion budget for the Task Force to implement a comprehensive, multi-year plan for the rehabilitation efforts.
The economy of Marawi has been largely based on agriculture, particularly rice and corn, and exportation of handicrafts.
The Regional Board of Investments-Autonomous Region in Muslim Mindanao (RBOI-ARMM) which regulates and exercises authority over investments within the ARMM, offers incentives to activities engaged in agriculture, agribusiness/aquaculture & fishery, basic industries, consumer manufactures, infrastructure and services, industrial service facilities, engineering industries, logistics, BIMP–EAGA trade and investment enterprises, tourism, health and education services and facilities and halal industry.♦
The Department of Trade and Industry (DTI) is keen on fasttracking the revival of Marawi City’s illustrious business environment, as the agency looks to provide more assistance to affected Maranao entrepreneurs.
“We plan to allocate more budget for this year to support the Bangon Marawi programs to provide livelihood assistance to around 80% of identified internally displaced persons (IDPs) in 2018,” said Trade Secretary Ramon Lopez.
DTI Regional Operations Group (ROG) Undersecretary Zenaida C. Maglaya said that the agency has set aside Php 50 million to fund the Shared Service Facilities (SSF) project and will seek additional budget to fund the provision of livelihood starter kits, micro loans, mobile rice mills, tricycles, construction of public markets, and provision of retail spaces in major malls to promote Maranao products, among others.
“We will continue to provide assistance to our brothers and sisters in Marawi. As of now we are working to assist Maranao entrepreneurs with micro loans through the Pondo sa Pagbabago at Pag-asenso or P3, mobile rice mills, tricycles, and equipment,” Maglaya said.
The P50 million SSF fund will help address the needs of Maranao entrepreneurs in the aspect of loomweaving,wood working, and brasswares by providing equipment that matches their needs, she added.
The agency, through the Small Business Corporation (SB Corp), also released a total of P375,000 micro loans in the form of P3 to 37 Maranao borrowers, who were also recipient of DTI’s business starter kits, received assistance from DTI.
SB Corp has earmarked at least 1,000 Marawi entrepreneur beneficiaries that will receive loan packages in the first quarter of 2018.
The agency has also provided entrepreneurs with mobile rice mills, livelihood starter kits such as sari-sari store kits, and sewing kits. The Department, in partnership with the Skills Mastery Institute (SMI), also trained and retrained the IDPs on garments making.
As of December 2017, a total of 588 equipment/starter kits were distributed and provided trainings to 1,963 IDP beneficiaries. In addition, 240 beneficiaries were linked to financial institutions.
Maglaya added that DTI will train these beneficiaries who were given aid on simple book-keeping to help sustain their businesses.
As part of Task Force Bangon Marawi (TFBM), DTI, as lead agency, together with other government agencies comprising the subcommittee on business and livelihood (SC-BL), has assisted affected Marawi residents.
“With the help of member agencies of the Task Force Bangon Marawi Subcommitee on Business and Livelihood, we assure that Maranao entrepreneurs will be back on their feet in no time,” Maglaya said.
The assistance is in line with the order of President Rodrigo Duterte to provide livelihood to IDPs in Marawi City and other affected localities. This also follows Administrative Order No. 03 of the President, mandating the creation of an inter-agency task force that would implement the recovery, reconstruction, and rehabilitation of Marawi City and other affected localities of which providing business and livelihood is crucial.
Member agencies of the Subcommittee on Business and Livelihood are the Department of Agriculture (DA), Department of Agrarian Reform (DAR), Department of Environment and Natural Resources (DENR), Department of Labor and Employment (DOLE), Department of Social Welfare and Development (DSWD), Department of Science and Technology (DOST), Mindanao Development Authority (MinDA), Office of the Presidential Adviser on the Peace Process (OPAPP), and Technical Education and Skills Development Authority (TESDA).♦
At least 24 Maranao entrepreneurs received assistance from the Small Business Corporation (SB Corp) in form of the Pondo sa Pagbabago at Pag-asenso (P3) loans to help bring back the business environment in the war-torn city.
SB Corp, the micro-financing arm of the Department of Trade and Industry (DTI) released a total of P245,000 to 24 borrowers who were also recipient of DTI’s business starter kits. Another P10,000 P3 loan package was also released to 13 micro enterprises last week.
“DTI is bringing the government's P3 microfinancing program closer to the entrepreneurs of Marawi by helping them start and rebuild their businesses. We are committed in reviving the vibrant business environment in the city, especially for the Maranaos who are well-known as traders,” said DTI Secretary Ramon M. Lopez.
As part of Task Force Bangon Marawi (TFBM), DTI, together with other government agencies comprising the subcommittee on business and livelihood (SC-BL), has assisted affected Marawi residents to bring back the illustrious business city.
DTI Undersecretary for the Regional Operations Group (ROG), Zenaida Cuison-Maglaya, assured that the agency has been on the ground to provide assistance to affected Marawi internally displaced persons (IDPs) to hasten the recovery and rehabilitation of the city.
“Together with member agencies of the Task Force Bangon Marawi Subcommittee on Business and Livelihood, we would make sure that Marawi City will quickly return to normalcy upon the orders of the President. We’re bringing back business for our brothers and sisters who were greatly affected by the war,” Maglaya said.
SB Corp has earmarked at least 1,000 Marawi entrepreneur beneficiaries that will receive loan packages in the first quarter of 2018.
Maglaya added that more entrepreneurs will be assisted by the agency through loan packages without interest.
The initial 37 borrowers were recipient of the DTI business starter kit from DTI Lanao del Norte and DTI Iligan City provincial offices. Succeeding loans will be done in cooperation with the local government and the administrator of the Marawi public market who shall identify qualified market stall owners as perspective borrowers.
Other micro enterprises who are neither DTI starter kit recipients nor Marawi public market stall owners, may apply for P3 loans from SB Corp accredited conduits such as Radiowealth Finance Company Inc. (RFC) and CARD, Inc. who are presently operating in the area.
The provision of starter kits is in line with the order of President Rodrigo Duterte to provide livelihood to IDPs from Marawi City and other affected localities. This also follows the Administrative Order No. 03 of the President, mandating the creation of an inter-agency task force that would implement the recovery, reconstruction, and rehabilitation of Marawi City and other affected localities of which providing business and livelihood is crucial.
Member agencies of the Subcommittee on Business and Livelihood are Department of Agriculture (DA), Department of Agrarian Reform (DAR), Department of Environment and Natural Resources (DENR), Department of Labor and Employment (DOLE), Department of Social Welfare and Development (DSWD), Department of Science and Technology (DOST), Mindanao Development Authority (MinDA), Office of the Presidential Adviser on the Peace Process (OPAPP), and Technical Education and Skills Development Authority (TESDA).
The P3 program for Marawi will also provide credit risk support to microfinancing institutions (MFIs) including rural banks who want to start lending in the Lanao del Sur area in exchange for their timely and quick response. Loan qualification criteria will be relaxed to support gradual normalization of MFI operations in Lanao del Sur and nearby provinces where the displaced microenterprises were temporarily relocated.
Interested microenterprise owners may contact SB Corp P3 Marawi coordinators at (088) 291-8033, 0975-906-2762, or 0916-662-0488.♦