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Microfinance Program of PATAMABA
Region VI
The PATAMABA in Region VI has a highly successful microfinance
program which recently integrated a damayan fund. Other programs and services
include livelihood loans, savings mobilization/capital build-up, skills
training, awareness raising (on gender issues and reproductive health),
community organizing, entrepreneurship development, and marketing assistance.
The regional leadership has built on the tradition of mutual aid. Starting
with the officers who contributed P5.00 a month to a reserve fund, the
campaign for damayan membership continued among groups who were entering
new lending cycles where social protection through burial assistance would
already be integrated. All 183 participants in the microfinance program
have joined in, contributing P2.50 every 15th and 30th of the month to
total P5.00 a month.
The group also embarked on a campaign to enroll members in formal social
protection schemes where members had the option to pay at a lower rate
of P235 (instead of the regular SSS rate of P282). PATAMABA negotiated
for informal accreditation as a collecting agent that charges P240 per
member (P5 goes to the PATAMABA general fund).
Sixty officers and members in PATAMABA Region VI have enrolled in Philhealth
– some through the indigent program of the LGUs, others through
the auspices of their respective congressmen, although a few also entered
as individually paying members who contribute P100 a month. There are
also a few who are barangay health workers and therefore have Philhealth
benefits as part of their incentive at work.
The Red Cross accident insurance program has attracted more members because
the P35/year payment is light on the pocket. And there is an incentive
for PATAMABA to collect P5 of the P35 which is retained by the organization.
This arrangement was negotiated by PATAMABA leaders who met with Red Cross
representatives in the area. 
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