AREA OFFICERS’ MEETING

25 March 2010

The meeting started at 1:45 in the afternoon hosted by DWAL – Lamba. The
opening prayer, gospel reading and reflection was conducted by host-center as
the first part of the meeting.

The second part immediately followed by the singing of the National Anthem
then the inspirational talk delivered by the Barangay Chairman of Lamba,
Legazpi City. Roll call of attendance was done to the participating centers
of Cluster 2 Centro Legazpi City.

• The present centers are as follows:

1. ONVA - Orosite 8. B-24 - Rizal

2. PWO - Dapdap 9. BOMB - E. Binanuahan
3. WGB - W. Binanuahan 10. KAP 1 - Buraguis
4. PWP - Puro 11. CEA - Cabangan
5. CWP - Gogon 12. DWAL - Lamba
6. SKKP - Pigcale 13. SIPWA - Sn. Isidro
7. SKVV -Victory 14. KAP 2 - Buraguis

• With 3 late comers which are:

1. B – 35 - Tinago
2. SRWO - Sn. Roque
3. BVWA - Baybay

• Absentees are:
1. NKD - Dinagaan
2. SKCC - Capantawan
3. WAB 2 - Bitano

Reading of the Minutes of the meeting and Financial Report of the previous
AOM was not done due to the absences of the concerned officers.

Ms. Nanette Mujar, Branch Manager of Legazpi, showed the Centers’

Status as of March 2010. So far, only 3 centers namely: BOMB – E.
Binanuahan, B-24 – Rizal and WAB 2 – Bitano has incomplete remittances
while the rest have 100% repayment rate. Almost all centers have problem
regarding the attendance.

Ms. Bertiz and Mr. Arnedo, both CDW reported on the plans, output and
accomplishment of their respective centers they are handling. Each centers
in the meeting presented their problems encountered and action taken by
the members, officers, CDW and Branch Manager and their
recommendations as well as their suggestions.
 • Problems Encountered
1. Repayment
2. Tardiness and absenteeism
2. Hardheaded old members
3. No permanent place to conduct CWM
4. Frequent change of CDW
5. Conflicting schedule of meeting
7. Abonohan system
8. Members not informed by the CDW about the deduction of
penalty in the amount of Php500 due to absences that
said amount will be added to the CBU.

• Action Taken
1. Approved lower loan
2 Late comers shall be fined Php5.00 as center agreement
and proceeds will be added to the Butaw funds.
3. Hardheaded members were advised to resign due to non-
compliance of the weekly dues.
4. Deepest heart to heart talk by the CDW and center officers
5. Constant follow up and reminder about their obligation
6. Reiteration of program policy.

• Recommendations / Suggestions
1. Follow up SSS implementation
2. Possibly to have a permanent CDW
3. Provide training for members like food processing,
handicraft making, candy making and livelihood training
4. Sport fest for the members
5. Fast processing of loan approval (DLAC, MLAC)
6. Provide legal intervention to the delinquent members (legal
action from an attorney)
7. Revisit the policy (MPL)
8. CBU Withdrawal in case of an emergency.

Ms. Arlene Deinla, Area Manager of Legazpi City, reminded all the
members regarding the penalties for the late comers and absentees and
requested a copy of the official names of Over-all Area Officers. She
noticed that some centers did not abide by the rules of SEDP like for
instance, the format of the center report. Ms. Deinla noted all the problems
encountered in every center to wit:

• Frequent change of CDW, -and this is because the term of

CDW in one center is from 1 year to a maximum of 2 years and also due to
illnesses suffered by the CDW.

• Frequent change of schedule of meeting of the center

• Deduction and Penalty awareness of members – during the
LU reading it should be read aloud if there are any deduction and penalties on the
members’ loans.

• Delayed processing of Loans – depends upon the kind of loan

and the amount as well.

For example:
For loans Php25,000 and up – needs the approval from the main office
Php10,000 – P25K – approval of the Area Manager is needed
Php10,000 and below – needs the approval of the Branch
Manager

Members are advised to submit their proposal 4 to 8 weeks before the maturity of
their loans to give ample time for the processing of loans. Ms. Deinla promised to
do their best to meet all the members’ recommendations/suggestions raised during
the AOM.

Agenda of the Area Manager:

Ms. Deinla explained that a full center with a minimum of 30 members can avail of
the scholarship granted by the SEDP. She announced that the TESDA is giving
short term courses for free to qualified members provided that their children are
high school graduates with a general average of 80% up. Ms. Deinla expects an
active and full participation of the centers in any event that the SEDP may extend
to the members specially in recollections.

The general manager of SEDP MBA, Mr. Dalit discussed and answered all the
questions concerning the insurance.

The next AOM host will be the SRWO – SN. ROQUE.

New elected Secretary: Freo, Lenielobeth

New elected Treasurer: Advincula, Marisol

Meeting adjourned at 4.30 P.M.

Prepared by:

LENIELOBETH DIAZ-FREO
Area Secretary