Professional Documents
Culture Documents
Personal Information: Hannah Angela L. Antig
Personal Information: Hannah Angela L. Antig
Personal Information: Hannah Angela L. Antig
Antig
Personal Information
Educational Background
2016-Present
University of Mindanao, Peñaplata College
Senior High School Department
General Academic Strand (GAS)
Brgy. Peñaplata, IGaCoS
2012-2016
Assumption Academy of Peñaplata, Inc.
Junior High School
Brgy. Peñaplata, IGaCoS
2006-2012
Peñaplata Central Elementary School
Brgy. Peñaplata, IGaCoS
With Honors
Most Punctual
Retreat-Graduation Requirement
TDM Retreat House
Matina, Davao City – 2016
Character References
Applicant’s Signature
NARRATIVE
8:00 Am – 5:00 Pm
5 March 7, 2018 9 NO CLASS
8:00 Am – 5:00 Pm
6 March 8, 2018 9 Encoding the student’s
8:00 Am – 5:00 Pm name who disobeyed the
7
REPORT
March 9, 2018
8:00 Am – 5:00 Pm
9
school rules
Cont. Arrange the ledger in
Alphabetical Order
ACCOMPLISHED
FORMS
Samal Island Multi-Purpose Cooperative’s Central Fund
About the Central Fund
MASS-SPECC has established a central fund unit managing the investments of the
members and provides wholesale loan to qualified cooperative-members. Pooled funds
of cooperatives, as well as external funds are utilized and managed by the Central Fund
unit in several ways. As of 2015, the Central Fund is able to administer the total amount
of almost P490 Million investments (savings and share capital) of member cooperatives
and more than P600 Million of loan receivables with delinquency rate of 5% at PAR 1
day.
LOAN FUND
MASS-SPECC provides financial assistance to qualified members who are in need of
loan for various purposes. The Loan Fund is from both internal and external sources.
Savings deposits of co-op members are either invested in Trust banking or lent out to
other co-op members in need of financial assistance. Loan products are designed
according to purpose, repayment term and credit rating of borrowing co-ops. In order to
protect the funds of the members used in wholesale lending activity of the Federation,
risk management measures are put in place. A credit rating system is practiced and
applied to all new and repeat borrowers. Loan pricing is flexible according to risk of
each account. Pricing is also based not only on amount borrowed but also on all other
services provided by the Federation to ensure that the borrowing cooperative is not only
financially sound but also healthy in areas of governance, management and social
performance.
DEPOSIT GENERATION
TIME DEPOSIT
Also known as Certificate of Deposit (CD) held for a fixed-term. The Certificate of
Deposit is issued for a specified term with a minimum of 30 days up to a maximum of
five years. The longer the term and the higher the amount, the higher the interest will
be.
The Time Deposit rates are on a per annum basis and are subject to change without
prior notice. Pre-termination of TD is allowed, however, interest rate shall be based on
the prevailing savings deposit rate of MASS-SPECC. All earnings from the Time
Deposit are not subject to withholding tax as mandated with RA 9520.
MASS-SPECC can provide its primary member cooperatives with interest rates that are
competitive with other financial institutions. Beyond the interest rate, your placement will
afford MASS-SPECC to reach out to other cooperatives in the Philippines.
R.A. 9520 requires that every cooperative shall determine its net surplus at the close of
every fiscal year and allocate at least 10% to its General Reserved Fund. Provided
that, in the 1st 5 years of operation after registration, this amount shall not be less than
50% of the net surplus.
The accumulated reserve fund is usually deposited in the bank for the protection of and
shall be used for the stability of the cooperative and to meet net losses in its operations.
The general assembly may decrease the amount of allocation when the fund already
exceeds the share capital.
Most often coops do not make optimal use of their reserve funds. And to make matters
worse, due to common misconceptions their reserve funds may not be adequately
funded. However, with proper planning, these shortcomings can be avoided by
regularly setting up a corresponding amount to fund the reserve fund. The cooperative
shall ensure that the fund shall be utilized for investment in safe and secure investments
like liquid, fixed-term deposits in the secondary or tertiary cooperative, with any
commercial bank or in any financial instruments under the provisions of the R.A 9520.
MASS-SPECC provides investment scheme proposals that will assist cooperatives in
managing their General Reserve and Retirement Fund portfolio. Both the General
Reserve and Retirement Funds can help cooperatives in maximizing the potential
earning capacity of their own funds. And this will be realized thru the concept of pooling
together the resources of the coops to accumulate a substantial amount and then invest
them in a diversified portfolio of Fixed-income securities and Equities security
investments.
We prudently select the top 3 best investment companies with the best financial
managers in the country. Doing this on your own will not give you the best earnings you
desire, but together with other coops we will be able to enjoy the earning power of our
millions.
RETIREMENT FUND
Republic Act 7641, otherwise known as the Compulsory Retirement Act, states that
institutions with at least 10 regular employees are required to provide retirement
benefits to employees who are at least 60 years old and who have rendered at least 5
years of service.
As a result of this mandatory pension scheme, employers are left with no choice but to
put money aside for their employees’ retirement.
Setting-up of a retirement plan will enable the cooperatives to prepare for future
retirement benefits due to the employees under the law. Instead of outright and lump
sum payment of retirement benefits directly from the coop’s funds, the coops are able to
program their contributions in a much smaller amount by investing the fund to a high
performance investment solutions that are available in the market.
Investment vehicles that are specifically designed for retirement savings have tax
benefits, as compared with general investments. An employer-sponsored retirement
investment plan can be one of the most critical elements in your retirement savings
picture.
As we are concerned of the cooperatives’ welfare, MASS-SPECC offers to be the
custodian of your Cooperative’s Retirement Fund. As custodian, we will:
Let you decide what type of instrument to invest in.
Require you to deposit your fund for a minimum of 5 years.
Provide you with regular updates of your investment.
Provide the coop with sample retirement plan template.
Require your coop to have your Retirement plan approved by the BIR for tax
exemption purposes.
MASS-SPECC will charge a management fee of 0.75% of the earnings.
History of UM Penaplata College
Sometime in the early part of 1950, a group of Samal pioneers, led by District
Supervisors Florencio Valera, requested the administration of the University of
Mindanao (Davao District), formerly Mindanao Colleges to open branch at Samal
particularly in Peñaplata to cater to incoming high school students.
Realizing that the request was in conformity to the aims and objectives of the school
administration, the Board of Trustees of the said University approved the opening of
another UM branch that was first established in the exotic island of Samal in the 50's.
Thus, UM Peñaplata College formerly known as MC Peñaplata Institute was born.
The School at first, offered only first and second year in the secondary level. It started
with 24 and 11 students at first and second year levels, respectively. The pioneering
faculty members at that crucial stage were Mr. VictorianoPeñacerada and Mr.
ArsenioPuzon. Mr. Peñacerada was appointed as school head from 1950 to 1953.
In 1953, a recognition no. 814, series of 1953 for a complete secondary course was
granted to UM Peñaplata. This was duly signed by Dr. CecilioPutong, Secondary of
Education during that time. That was the beginning of the operation for complete
secondary course in this institution. it had an initial of 200 hig school enrollees coming
from different barngays in Samal, since UM Peñaplata was the sole school which
offered complete secondary education at the time. Five determined faculty members
were added to the fold. Mr. Juan Payumo became the head of the school from 1953 to
1956.
MC Peñaplata Institute flourished and reached its peak of since then. Students all
over the place came to study in this institution. Four classrooms were added to the
original two rooms. Physical improvements were beginning to be seen in the campus . A
college course which is Bachelor of Arts came into existence in 1966. Thus, MC
Peñaplata Institute was changed into UM Peñaplata Junior College. The late Cleto
Gales Sr. became the pillar head from 1956 up to his retirement in the year 1980.
Prestige was the invaluable legacy he left not only the students and mentors, but to the
institution as well.
During this time, Mrs. Rosario Gales, his beloved wife was appointed as principal of
the high school. She became the initiator of change not only in the physical aspects of
the school, nut in the upliftment of the students' way of learning as well. She contributed
a lot for the good of the school. Her 44 years of service in the institution were beyond
compare. She became the mirror of excellence. She still possessed this attributes when
she retired from her post in 1994. Mrs. Gales was considered a living legend on UM
Peñaplata during her terms.
Dr. Ramsey Alverio the director of UM Panabo College was appointed as the director
of UM Peñaplata College from 2001 to 2004.
Prof. Alberto M. Condes a faculty of the College of Arts and Sciences of the UM Main
Campus was appointed as the new director of UM Peñaplata College from 2004 up to
the present. He initiated the changes of the Vision, Mission and Goals of UM Peñaplata
College.
VISION
MISSION
Provide a dynamic and supportive academic environment through the highest standard
of instruction, research, and extension in a
CORE VALUES
CORE COMPETENCY
ACTION VALUES
Cover Page
Table of Contents
Accomplished Forms
Resume
Application Letter
Clearance Documents
Medical Certificate
Letter of Endorsement
Letter of Acceptance
Work Site
Activities Performed
Time Table
Narrative Report
Company Portfolio
Other Documents
UM LOYALTY MARCH
___ Cooperative Governance & Management (*)
___ Financial, Risk & Credit Management (*)
Required training for coop officers (Board, Committees, CEO/GM) to qualify per CDA M
emorandum Circular 2015-09 pursuant to Article 44 of RA 9520 and Rule 7 of the revise
d Implementing Rules & Regulations
We also offer other trainings required by CDA: Audit Management, Strategic Planning,
Conflict Management, Internal Control, Rules Formulation, Parliamentary Procedure,
Leadership and Values Reorientation, Records Management, Basic Accounting for Non-
Accountants.
___ Financial Analysis for Board of Directors
___ Strategic Thinking for Decision Makers
___ Capacity Building for Education Committees
___ Conciliation and Mediation Skills Training
___ Capacity Building for Election Committees
___ Capacity Building for Ethics Committees
___ Risk Management ___ Cooperative Essentials
___ Leadership and Governance ___ Coop Taxation
___ System Audit/Use (MBWin) ___ Coop Taxation