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Welcome!

Welcome!. A microfinance-oriented rural bank. Topics to Be Covered. History & VMGSP Who’s who Bank policies & code of conduct Benefits review Performance reviews Products & services Profile of KABULIG Members. History of the Bank.

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Welcome!

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  1. Welcome! A microfinance-oriented rural bank

  2. Topics to Be Covered • History & VMGSP • Who’s who • Bank policies & code of conduct • Benefits review • Performance reviews • Products & services • Profile of KABULIG Members

  3. History of the Bank • March 08, 1975: Rural Bank of Balasan (RBB) established. • March 21, 1994: a new group of young entrepreneurs led by Elsa A. Kapunan, Col. Red Kapunan Jr., Atty. Vic Sumulong and Col. Ceferino Sarmenta was issued an authority to take over by the Bangko Sentral ng Pilipinas. • October 1998: RBB re-registered with the Securities and Exchange Commission (SEC). • 2002: start of KABULIG Grupo microfinance program—a group lending program using a combo approach of the Grameen system, MABS (micro-access to banking services), and GRASA (a mix of Grameen and Association of Social Advancement systems). • August 04, 2003: RBB was renamed Progressive Bank, Inc. (PBI). • October 15, 2005: Loan Collection and Disbursement Point (LCDP) established in Pototan, Iloilo.

  4. History of the Bank • mid-2006: Suga KABULIG Solar PhotoVoltaic Lending Program for Gigantes islands and other non-electrified areas of northern Iloilo. It is a government-subsidized individual microfinance loan program, in partnership with the Department of Energy (DOE), Solar Electric Company (Solarco), Development Bank of the Philippines and People’s Credit and Finance Corporation. • 2007: the rural bank expanded its microfinance products and services to include the umwad KABULIG (business) and KABULIG panguma (agri-fishery) loan programs under the USAID-Microenterprise Access to Banking Services (MABS). Also, KABULIG Clean Air. • January 2008: opening of the bank’s Iloilo City branch. • PBI is accredited by the Bangko Sentral ng Pilipinas, Land Bank of the Philippines, and People’s Credit and Finance Corporation. • It is a member of the Philippine Deposit Insurance Corporation (PDIC), Rural Bank Association of the Philippines (RBAP), and Iloilo Federation of Rural Banks (IFRB).

  5. Institutional Values • God-centered • Exemplary public service through social entrepreneurship • Integrity

  6. Vision A progressive, stable and caring financial institution that uplifts the quality of life of the poor. Isa ka progresibo, istable kag may pagpalangga nga institusyon nga nagabulig sa pagpasanyog sang kalidad sa pagpangabuhi sang mga pigado.

  7. Mission To be a leading service provider of innovative financial services and enterprise development support for the economic empowerment of the poor in Panay. Mangin nagapanguna nga magahatag sang mga bag-o nga serbisyo pinansyal, bulig kag suporta para sa pag-umwad sang negosyo para sa economic empowerment sang mga pigado sa Panay.

  8. Objectives In the next five years (2008-2012), PBI aims to: • Reach out to 65,000 clients through innovative financial products and enterprise development support. • Ensure financial sustainability of the organization. • Delight customers with quality products and services. • Make PBI a happy and rewarding place to work in.

  9. Strategies & Programs

  10. Who’s Who Board of Directors Col. Eduardo E. Kapunan Jr. (PAF, Ret.) Chairman Elsa A. Kapunan Member Severo E. Kapunan Member Atty. Victor R. Sumulong Member Carlos Jose Virgilio A. Jalandoni Member Ethel P. Demaisip Member (Independent) Annabelle F. Hiso Member (Independent) Bank Officers Col. Eduardo E. Kapunan Jr. (PAF, Ret.) President Elsa A. Kapunan Asst. to the Pres. Carlos Jose Virgilio A. Jalandoni Vice President Jolyn C. Balberona Manager Zobel A. de la Cruz Compliance Officer Marie June A. Dato Cashier Ninfa B. Bartolome Microfinance Head

  11. Who’s Who

  12. Who’s Who

  13. Products & Services LOANS Regular Banking • SSS, PVAO, GSIS Loan • Agricultural Loan • Commercial Loan • Salary Loan (LGU Employees) • Real Estate & Chattel Loan • Seaman/OFW Loan

  14. Products & Services Microfinance Loans • Kabulig Grupo (group lending program) • Umwad Kabulig (microenterprise loan) • Umwad Panguma (micro-agri loan) • Suga Kabulig (solar PV lending program) • Kabulig Clean Air (2-stroke LPG converter kit)

  15. Products & Services SAVINGS • Regular savings • Time deposit • Special Savings Plus for Kids • Kiddie & Teen Savers

  16. Products & Services SERVICES • Money Transfer (Western Union) • Government Check Rediscounting • SSS Remittance

  17. Profile of Kabulig MF Members Loan Use: Type of Business

  18. Profile of Kabulig MF Members Loan Use: Loan Proceeds

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