PROGRAM

25July2012,Wednesday
PreConferenceEvent 5:008:00p.m. MCPIAnnualGeneralMeeting(Venue:BayviewSalon) Closedmeeting.ForMCPImembersonly.

26July2012,Thursday
ConferenceDay1 8:009:00a.m. 9:0010:15 Registration(Venue:Ballroom) OPENINGPLENARY Invocation NationalAnthem WelcomeRemarks Ms.MilaM.Bunker,Chairperson,MicrofinanceCouncilofthePhilippines,Inc. KeynoteMessage Gov.AmandoM.Tetangco,Jr.,BangkoSentralngPilipinas Launchofthe2012CitiMicroentrepreneuroftheYearAwardsProgram VideoPresentation MessagefromMr.SanjivVohra,CountryOfficer,CitibankPhilippines CoffeeBreak PLENARYSESSIONONE PovertySituationinthePhilippines Poverty remains a major development challenge in the Philippines a significant proportion of population has remained poor over the past two decades. Who are the poor? Where are they located? What is the nature of povertyinthePhilippines?ThissessionwillrefreshMFIsandotherstakeholders on some povertyrelated statistics and remind them as well that in a country where poverty remains pervasive, microfinance should remain all the more steadfastandrobustresponsible,propoor,andclientfocused.

10:1510:45 10:4511:30

Ms.JessamynO.Encarnacion,Director,SocialStatisticsOffice, NationalStatisticalCoordinationBoard PovertyOutreachofMicrofinanceInstitutions:FindingsfromaStudy MCPI, Grameen Foundation, Oikocredit, and the Mindanao Microfinance Councilcollaboratedinastudythatsoughttoexaminethedifferentaspectsof poverty outreach using the Progress out of Poverty Index (PPI) data gathered fromselectedMFIsinthePhilippines.Thestudylookedintothethreeaspectsof

11:3012:30pm

poverty outreach concentration (percentage of clients that are poor), scale (number of poor clients), and penetration (percentage of poor households in areasreached).Thissessionwillpresentfindingsandhighlightsfromthestudy and will involve a panel discussion among the different MFIs that took part in thestudy.

12:301:30p.m. 1:303:00

Presenter:Mr.ChristopherA.Tan,RegionalDirector,EastandSoutheastAsia, GrameenFoundation Panelists: Ms.MilaM.Bunker,President,AhonSaHirap,Inc. Mr.RolandoB.Victoria,ExecutiveDirector,AlalaySaKaunlaran,Inc. Mr.GilbertS.Maramba,ResearchManager,NegrosWomenforTomorrow Foundation,Inc. Facilitator:Mr.CristopherG.Lomboy LunchBreak PLENARYSESSIONTWO UnderstandingMultipleBorrowinginMicrofinance:ResultsfromaResearch This session is a presentation of the final results of a research on Multiple Borrowing in Microfinance an undertaking by the Asian Institute of Management, Oikocredit, Grameen Foundation, and MCPI. This research attempts to determine the incidence of multiple borrowing in a selected community the Commonwealth area in Quezon City where multiple borrowingiswidelybelievedtotakeplace.Basedonconsolidatedbranchclient data from eight participating MFIs that serve households in this locality, a profile of multiple borrowers was established and the broad correlation betweenmultipleborrowinganddelinquencywasassessed.

3:003:30 3:305:00

ProfessorErwinR.Tiongson,AsianInstituteofManagement ProfessorRonaldT.Chua,AsianInstituteofManagement Facilitator:Dr.Ma.PiedadS.Geron CoffeeBreak BREAKOUTSESSIONS BeyondCredit:ProductsandServicesforMicrofinanceClients ValueChainFinance(Venue:LeSalonI) Valuechainfinance,definedasfinancialproductsandservicesthatflowtoany point in a value chain in order to increase its growth and competitiveness, is becoming an attractive model of spreading the risks in rural finance. This session will be a venue to enhance awareness on models and approaches for usingtheresourcesandlinkagesofthevaluechaintoincreasefinancialservice provisiontoruralproducersandtraders.

Ms.JinkyS.Flores,GeneralManager,GataDakuMultiPurposeCooperative Ms.LeticiaP.Villa,FirstVicePresident,ProgramManagementGroup, LandBankofthePhilippines Facilitator:Ms.JesilaM.Ledesma

SavingsProductsforMicrofinance(Venue:LeSalonII) Historically,microfinanceinstitutionshavefocusedprimarilyoncreditservices. Today,thereisgrowingrecognitionthatlowincomehouseholdsneedandusea variety of financial services which include savings. In this session, BPI Globe BanKO and Cantilan Bank will discuss the features of their microsavings products,theimportanceofprovidingmicrosavingstolowincomehouseholds, andthechallengestheyencounteredinprovidingthisservicetotheirclients.

Ms.TeresitaB.Tan,President,BPIGlobeBanKO Brig.Gen.CharlesY.Hotchkiss,ExecutiveVicePresident,CantilanBank,Inc. Facilitator:Ms.MelizaH.Agabin

FinancialEducation(Venue:Ballroom) This session focuses on microfinance practitioners efforts in promoting financial education that increase clients awareness and understanding of the right values toward their finances by gaining the basic knowledge and skills in managingsavings,income,expenses,investments,andbeingconsciousofrisks that will help them avoid overindebtedness. Financial wellbeing and ultimately,abetterqualityoflifefortheclientandhis/herfamilyaretheresults thesectorhopestoachieveinprovidingnonfinancialservicessuchasfinancial education.

Mr.ManuelL.Margate,Manager,ClientServicesDepartment, NegrosWomenforTomorrowFoundation,Inc. Dr.EnriqueL.Navarro,SeniorAdvisor,CARDMRIDevelopmentInstitute Facilitator:Mr.CristopherG.Lomboy

EndofDay1 Cocktails

27July2012,Friday
ConferenceDay2 8:309:30a.m.

Ugnayan:NetworkingSession(Venue:Ballroom) Presenters: Ms.GeraldineDesiderioGarcia,SeniorVicePresidentandGeneralManager, CountryBankersInsuranceCorporation Ms.MaudSavaryMornet,RegionalManagerEastandSoutheastAsia, responsAbility Ms.MarieValdez,ProjectManager,SoftwareGroup

9:3010:45

PLENARYSESSIONTHREE CreatinganEnablingEnvironmentforClientCenteredMicrofinance Representativesfromthegovernmentandtheinvestorcommunitywilldiscuss the importance of bringing back the focus on clients in the future of microfinance. Speakers from the Bangko Sentral ng Pilipinas, Department of Finance,andBlueOrchardFinancewillsharethespecificrolesthatgovernment andinvestorsplayinpromotingclientcenteredmicrofinance.

UndersecretaryGilS.Beltran,DepartmentofFinance DeputyGovernorNestorA.Espenilla,Jr.,BangkoSentralngPilipinas Ms.MirandaPhua,InvestmentAnalystAsia,BlueOrchardFinanceS.A. Facilitator:Mr.DaniloA.Songco

10:4511:00 11:0012:00p.m.

CoffeeBreak PLENARYSESSIONFOUR InitialResultsfromtheNationalMicrofinanceClientMappingInitiative ThissessionisapresentationoftheinitialresultsoftheNationalMicrofinance Client Mapping Initiative which is an effort of fifteen consortium members consistingofnetworks,wholesalers,andfunders.Thisresearchprojectaimsto depict the picture of the state of saturation of microfinance services in the Philippines.Theresultswillbepresentedinmaps,whichshallreflectbarangay, municipalandprovincialoutreachlevelsofsaturationthatcanbeusedbyMFIs andwholesalersindecidingwhereelsetoexpandandwhoelsetoserve.

Ms.RosaMarieRivera,Consultant,CORDAID Facilitator:Ms.LalaineM.Joyas

12:001:30 1:303:00

LunchBreak BREAKOUTSESSIONSAddressingtheRisksandVulnerabilitiesofClients

DisasterRiskReductionandManagement(Venue:LeSalonI) ThePhilippinesranksthirdintermsofcountrieswiththehighestdisasterrisk, accordingtothe2011WorldRiskReportpublishedbytheBndnisEntwicklung Hilft (Alliance Development Works). Scientists have long pointed out that the geographic location of the Philippines makes it vulnerable to natural hazards suchasearthquakes,volcaniceruptions,andtyphoons.Andalmostbydefault, the poor suffer more physical and economic losses than the rest of the population because they are the ones located in disasterprone and/or hazardous ecosystems. How could MFIs take a more proactive approach to disastermitigation?WhataretheopportunitiesforcollaborationbetweenMFIs anddisastermanagementorganizationswithrespecttodisasterpreparedness, disasterresponse,relief,rehabilitation,mitigationandadaptation?

Mr.RusticoBias,GlobalAdvisoronCMDRR,CORDAID Ms.MilaM.Bunker,President,AhonSaHirap,Inc. Ms.AmparitoCarmenC.Cubil,ExecutiveDirector,SurigaoEconomic DevelopmentFoundation,Inc. Facilitator:Ms.RosaMarieRivera AvoidingOverindebtedness(Venue:Ballroom) In a competitive industry like microfinance, overindebtedness is an issue that everyone is still trying to understand and deal with. It is an issue that causes significant harm to both clients and MFIs, and has fundamentally stirred the industry.Asmicrofinanceproviders,howcanwepreventclientsfrombecoming overindebted? How can we ensure that systems support the prevention of overindebtedness? This session will look into existing practices of two institutionsthathelppreventoverindebtednessoftheirmicrofinanceclients.

Mr.RolandoB.Victoria,ExecutiveDirector,AlalaySaKaunlaran,Inc. Ms.MariaAnnadR.Ignacio,ExecutiveDirector,KasaganakaDevelopment Center

Ms.JudylynF.Joven,ChiefOperatingOfficer,KasaganakaDevelopmentCenter Facilitator:Ms.JesilaM.Ledesma TruthandTransparencyinLending(Venue:LeSalonII) Asclientprotectionhasbecomeincreasinglyrelevantinmicrofinance,initiatives thatsupportthisprinciplearebeingputinplace.Thissessionputsthespotlight onpricingtransparencyandBangkoSentralngPilipinas(BSP)CircularNo.755. The circular encourages creditgranting facilities including NGOs engaged in microfinance to register their lending activities with the BSP, disclose the true price of a loan to a client using the Effective Interest Rate (EIR), and use the decliningbalanceinthemannerofcomputinginterest.

3:003:30 3:305:00

DeputyDirectorGerardoA.Butardo,BangkoSentralngPilipinas Facilitator:Ms.LalaineM.Joyas CoffeeBreak CLOSINGPLENARY(Venue:LeSalon) Synthesis

ClosingRemarks Hon.RepresentativeCresenteC.Paez,COOPNATCCOPartyList Hon.SenatorAquilinoPimentelIII

OathtakingofMCPIBoardofTrustees,20122013 Raffle Emcees:Mr.EduardoC.JimenezandMs.LalaineM.Joyas