1. 2014 ROTARY INTERNATIONAL CONVENTION
“MICROFINANCE: INTEREST TO ACTION”
June 3, 2014, Legends Room, ANZ Stadium
Sydney Olympic Stadium

2. “Good Governance as a Platform in
Implementing Microfinance Program
by Rotary Clubs”
CARLOS H. YTURZAETA, CPA
RAGM Regional Outreach Director for East Asia
Assistant Governor, RI District 3830
Past President, Rotary Club of Makati EDSA, RI D -3830
Vice-Chairman, Good Governance Advocates &
Practitioners of the Philippines (GGAPP)

3. • Microfinance or Microcredit as a Tool in
Poverty Alleviation
• Microfinance is being used in many 3rd
world and developing countries
• Microfinance vs Typical Community
Service Projects
• Microfinance is helping the marginalized
to have dignity resulting to empowerment
Rotarian Action Group for Microfinance and Community Development

4. • Microfinance is a type of community loan
program.
• Microfinance works on “one for all, all for
one” basis.
• Microfinance satisfies the avenues of
service and the areas of focus, particularly,
economic and livelihood program.
Rotarian Action Group for Microfinance and Community Development

5. • Microfinance has an output: MICRO
ENTERPRISE or MICROBUSINESS.
• Microfinance is, therefore, to be properly
managed and supervised.
• Otherwise, there will be no success and the
objective of Microfinance fails.
• Critical to this is Good Governance
Rotarian Action Group for Microfinance and Community Development

6. • Good Governance is:
– Transparency
– Accountability
– Fairness
– Integrity
– Stewardship
• Good governance will result in excellence
and professionalism.
Rotarian Action Group for Microfinance and Community Development

7. • Good governance will result in more
Microfinance initiatives that can be
implemented on a District-wide basis.
• Good governance will become a platform
for all the microfinance endeavors that a
Rotary Club will implement.
Rotarian Action Group for Microfinance and Community Development

8. Indispensable Declarations:
Core Values - Rooted in the values of a “good
parent of a good family” – what we hold dear.
Mission – Rooted in the mission using
microfinance as a tool in uplifting the economic
and social condition of our marginalized
brethren.
Vision - Rooted in the long-range objective of
providing dignity for humanity.
Rotarian Action Group for Microfinance and Community Development

9. Key Success Factors:
• Learn from other successful Microfinance
organizations and endeavors – best practice
• Microfinance becomes successful if it is founded
on sound personal values and principles which
lead to Good Governance.
• A successful Microfinance Program is one that
can be replicated throughout generations.
Rotarian Action Group for Microfinance and Community Development

10. • Microfinance is a sacrifice – Service Above
Self.
• Microfinance will give Rotarians pure joy
– He who serves best, profits most.
Rotarian Action Group for Microfinance and Community Development

11. 2014 ROTARY INTERNATIONAL CONVENTION
“MICROFINANCE: INTEREST TO ACTION”
June 3, 2014, Legends Room, ANZ Stadium
Sydney Olympic Stadium
“Good Governance as a Platform in Implementing
Microfinance Program
by Rotary Clubs”
CARLOS H. YTURZAETA, CPA
RAGM Regional Outreach Director for East Asia
Assistant Governor, RI District 3830
Past President, Rotary Club of Makati EDSA, RI D -3830
Vice-Chairman, Good Governance Advocates & Practitioners of the Philippines (GGAPP)
Email Address: carlos_yturzaeta@yahoo.com.sg and mobile nos: +639175360937

12. YEAR
1997 - RCC ORGANIZED JULY 12, 1997
1997 - present SITIO MALAYA DAY CARE CENTER
– First project.
2000 - MATCHING GRANT NO. 16001 for P
989,000.00
2001 - present MICRO CREDIT PROJECT AND OTHER
LENDING SERVICES
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
Beneficiaries:
350 families - Sitio
Malaya
280 families - Sitio
Tuyuan
250 families - Sitio
Cubic
LOAN : 3,000 – 30,000 Pesos

13. REBATE SYSTEM:
10% reward - 100% repayment on time
2001- today - 13 YEARS – 100% REPAYMENT RECORD
2007 - 2008 - MALAYA TUYUAN CUBIC MULTIPURPOSE
COOPERATIVE organized from P 90,500.00
rebates for 5 years received from the Rotary
Club of Parañaque Micro Lending – Seed
Money for Coop.
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects

14. Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
2014 (6 years) - Seed Money of P 90,500.00 is now
P 1.3 Million, with 87 members from
39 Charter members.
- MTCMP Coop – produced a 3 Module
seminar.
1. MORAL VALUE FORMATIONS
2. BASIC ACCOUNTING
3. RECRUITMENT MODULE.

15. ACTIVITIES IN THE RCC AREA:ACTIVITIES IN THE RCC AREA:
- Weekly Feeding Program by RCC.
- Annual Medical / Dental Mission done by RCC
and RCP.
- Dengue Fumigation
- Quarterly Seminars for members and
prospective members
- Monthly Board Meeting for MTCMP Coop.
- Annual Christmas party for Day Care Children
and gift giving.
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects

16. Cont...Cont...
- General Assembly including election of officers
for RCC and MCTMP Coop.
- Strategic planning including Annual Budget and
review of Policies and Procedures.
- RCP SPOUSE SCHOLARSHIP for 4 Elementary
students.
- Continuing improvement/rehabilitation of Day
Care and Livelihood Center, Day Care Center
Library and RCC / Coop Headquarters.
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects

17. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Project Name:
Sitio Malaya RCC Humble Beginning

18. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Project Name:
Sitio Malaya RCC Day Care Center

19. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Project Name:
Sitio Malaya RCC Compound

20. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Microcredit Project Credit Investigations & Evaluation

21. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
CESAR B. DELUYAS, JR.
- Sari-Sari Store & Bakery
- RCC Past President &
Past Coop Chairman
Credit Limit: P30,000

22. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood & Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
CHARLIE C. TOBIAS
- RCC/MTCMP Coop Member
- Motorcycle Spare Parts &
Service
Credit Limit: P30,000

23. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
MARY J. GONZAGA
- RCC/MTCMP Coop
Member
- Meat Processing & Lutong
Ulam
Credit Limit: P15,000

24. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
MA. DULCE M. DELA CRUZ.
- Internet & Computer Rental
- RCC / MTCMP Coop Member
Credit Limit: P20,000

25. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
ELAINE H. HERMIDA
- RCC/MTCMP Coop bod
Chairperson
- Sari-Sari Store & Soft
Drinks
Dealer
Credit Limit: P100,000

26. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
EZABETH & TONY
CALDO
- RCC/MTCMPC
Treasurer & Member
- School Supplies &
Electronic
Services
Credit Limit: P75,000

27. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
ROMANA G. LABRADOR
- RCC/MTCMP Coop
Member
- Tricycle Operator & Eatery
Credit Limit: P50,000

28. SITIO MALAYA RCC / MTCMP COOPERATIVESITIO MALAYA RCC / MTCMP COOPERATIVE
ACCOMPLISHMENTSACCOMPLISHMENTS
Project Name : Microcredit Project – Example of Borrowers
Location : Sitio Malaya, Merville, Parañaque City
Classification : RCC - “Livelihood and Entrepreneurship”
Sustainability of Clubs Community Service ProjectsSustainability of Clubs Community Service Projects
MOTORCYCLE LIVELIHOOD LOANS FOR TRICYCLE OPERATORS
So far 6 RCC/Coop Members Availed the MLL payable in 24 and 36 months at a
lower and affordable amortizations.

29. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Microcredit Loan Releases

30. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Sitio Malaya RCC/MTCMPC Strategic Planning Session

31. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Sitio Malaya RCC/MTCMP Coop Pre-Membership Orientation

32. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Sitio Malaya RCC/Coop General
Assembly & Social Gatherings

33. SITIO MALAYA RCC / MTCMPSITIO MALAYA RCC / MTCMP
COOPERATIVE ACCOMPLISHMENTSCOOPERATIVE ACCOMPLISHMENTS
Sitio Malaya RCC/Coop Regular Monthly Board Meeting