The APPEND Family
The APPEND family, comprising APPEND and its partner organizations, uses the platform of microenterprise development to reach out to poor people so they can hear the Gospel and experience the fullness of life in Christ.
Taytay Sa Kauswagan, Inc. (TSKI)
TSKI was established in 1986 to serve the poor micro-entrepreneurs in the Visayas region. After several years, TSKI opened its lending services to groups of women, thus creating more opportunity for business creation and increasing the family income. They incorporate business development services into its lending program for groups and individual entrepreneurs in need of additional capital.
TSKI is among the organizations that established the Opportunity Microfinance Bank. It has likewise established its own bank called Kauswagan Bank, which was later merged with Opportunity Microfinance Bank.
TSKI now serves more than 250,000 microentrepreneurs through its more than 100 branches. It has gone beyond the borders of the Visayas region and is helping the poor in CALABARZON, Romblon, Mindoro, Marinduque and Palawan in Luzon and in the Davao and Zamboanga region in Mindanao.
Kabalikat Para Sa Maunlad Na Buhay Inc. (KMBI)
KMBI was formally established as a microfinance NGO (MF NGO) in 1985. After 31 years, it is considered as one of the biggest APPEND MF NGOs in terms of client outreach and assets. KMBI has more than 110,000 clients in Luzon, Visayas and Mindanao.
Vision: To see people in communities live in abundance with strengthened faith in God and in right relationship with their fellowmen and the rest of creation.
Mission: KMBI is a Christ-centered development organization existing to help transform the lives of its clients and develop its human resources who will provide sustainable microfinance, training, and demand-driven non-financial services.
Alalay Sa Kaunlaran, Inc. (ASKI)
ASKI is committed to be a global development organization that serves the needy in Luzon through socio-economic development, client-focused financial and non-financial services, and holistic transformation. They pursue this objective through the following:
Established in 1987 in Nueva Ecija and starting with its basic group and individual lending programs, ASKI now offers its clients with more services and has expanded its borders from Nueva Ecija to the provinces of Nueva Vizcaya, Isabela, Aurora, Cagayan, Tarlac, Bulacan and Pangasinan.
People’s Alternative Livelihood Foundation of Sorsogon, Inc. (PALFSI)
PALFSI was established in 1995 as an offshoot of the Food Transition Strategy (FTS) Program of the Social Action Center (SAC) of the Catholic church in Sorsogon, Sorsogon. Its main objective was to increase the family food supply and heighten awareness of proper health and nutrition. This was made possible by helping the beneficiaries sustain their livelihood. In time, the SAC program began to provide credit, savings and capital formation services. In the year 2001, PALFSI was founded as a separate foundation and took on the lending program.
APPEND and its microfinance NGOs established two corporations such as the following:
FORMERLY KNOWN AS Opportunity Microfinance Bank (OMB)
Opportunity Microfinance Bank (OMB) was established in 2001 by APPEND, five member NGOs and Opportunity International to address the growing needs of the poor for microfinance services. It was established to make a difference in the banking sector. It merged with Kauswagan Bank of TSKI in 2008 and is now known as Opportunity Kauswagan Bank Inc. or OK Bank.
OK Bank breaks traditional banking tradition by going to the microentrepreneurs to offer its services. In addition to its financial services, OK Bank provides its clients with skills training to enable them to build up or diversify their microenterprises. OK Bank also provides its clients with micro-insurance service. It makes a difference in banking by putting strong emphasis in leadership and spiritual training for both its clients and staff. With this, OK Bank is building a Christ-centered organizational culture that it shares with its clients and partners. The Bank has more than 15 branches in the Luzon and Visayas regions.
Katuwang Resource Center Incorporated (KRCI)
Katuwang Resource Center, Inc. was issued its Certificate of Registration by the Securities and Exchange Commission on June 18, 2001. In August of the same year, Katuwang began its operation in the poverty stricken communities initially in Bacolod City. With around PhP150,000 initial funds, Katuwang’s staff of three (Iver Y. Petran, Rolando R. Roque and Shella Mel Guimapang) started visiting communities and inviting people who would like to avail of its program services. The initial months were met with hesitation by some of the prospective program members. Just under a month of operation, the first members of Katuwang were devastated by a fire that gutted down over 200 houses, many of which were owned by the members in the area. With a clear sense that this was the purpose of their presence in the area, Katuwang disbursed earlier than scheduled to the people who needed a “helpmate”. Because of this, the sincerity of Katuwang was” tried in the furnace” and found to be true. This led to their entry in other communities who openly welcomed them.
In 2006, KRCI partnered with TSKI for its microfinance operation. Its clients grow from 1,800 to 7,000 plus clients. It is currently operating in the cities of: Bacolod, Bago, La Carlota, Victorias, Cadiz, Sagay, and San Carlos in Negros Occidental.
Community Economic Ventures Incorporated (CEVI)
CEVI was conceptualized in 1998 in Bohol to provide support to the need for livelihood among families covered by the Area Development Program of World Vision Development Foundation (WVDF). It was registered as a non-stock, non-profit, non-governmental organization in 2000.
CEVI started as a micro-enterprise development program that aims to offer more dynamic and sustainable projects. It is a Christian organization, which integrates values formation in its provision of financial and technical assistance to micro-entrepreneur engaged in trading, manufacturing, agriculture and service-type businesses. CEVI’s social mission is to “serve the economically active poor by providing appropriate and quality microfinance products and services to help their business grow.”
By providing better alternatives to access credit, build up capital, micro-insurance and savings, in addition to extending consultancy services and training (Credit Plus Education Program), CEVI has helped transform the lives of thousands of families.
PAGASA Philippines Lending Company, Inc. (PPLCI)
A company for a poverty-free society through Microfinance.
PAGASA Philippines Lending Company Inc. (PPLCI) is duly registered with the Securities and Exchange Commission (SEC) in 2007, and serves the low-income or economically poor Filipinos through microfinance program using the “ASA Methodology”. It started its operations in Metro Manila and gradually expanded its operation in nearby provinces and later opened more branches in Luzon as well as in Mindanao. The company is directly affiliated with ASA International. PAGASA aims to create employment for the community and/or locality supporting the micro projects to the members and job placement in the company.
Pinoy Ako Insurance Services Incorporated (PAIS)
Pinoy Ako Insurance Services, Inc. or PAIS was established on September 19, 2011. It was put up by APPEND and its partner organizations to expand its Microenterprise Development programs by adding microinsurance services. Pinoy Ako aims to help many Filipinos have insurance coverage which many could not afford because of the expensive prices being offered by traditional insurance in the market.
Pinoy Ako is a 100% Filipino-owned stock company which has the purpose of providing comprehensive, affordable and viable life and non-life insurance services to microfinance institutions, cooperatives, SMEs and to other people’s organizations and groups in the Philippines. In addition, fifty percent (50%) of Pinoy Ako’s income supports the KILOS 2 Scholarship Education Program of APPEND.
Pinoy Ako presently caters to more than a hundred thousand clients nationwide. It offers a wide range of insurance products such as Group Life Insurance, Group Property Insurance, Micro-Health Insurance, Credit Life Insurance, Group Accident Insurance and Dental Insurance.
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