Professional Documents
Culture Documents
Laguna Mayors in Narco List' Cry Foul: Los Baños Scientist Dreams Big by Looking Up
Laguna Mayors in Narco List' Cry Foul: Los Baños Scientist Dreams Big by Looking Up
Laguna Mayors in Narco List' Cry Foul: Los Baños Scientist Dreams Big by Looking Up
Laguna mayors in
‘narco list’ cry foul
small entrepreneurs
experts and opportunities to
start or expand their busi-
ness. “Marami po talaga
BPI Direct BanKo opened its 200th branch in Los Baños on March dito na gusto po magsim-
ula, magtayo ng negosyo.
12, promising better days ahead for small businesses and OFWs. They need advice from ex-
perts at magkaroon din ng
By JERVIS GONZALES valid IDs for loans be- pagkakataon na makapag-
low Php100,000, while loan,” she said.
LOS BAÑOS — Nenita Mamaril has been selling cas- small assets like motor-
sava cakes for more than 14 years. In all those years, Help for OFWs, too
cycles can be used as col-
she faced a persistent problem: securing extra capital to laterals for loans above Mary Jane Corcuera,
maintain and expand her business. With little to no alter- Php100,000. BPI Di- head of One-stop Migra-
native, she was forced to turn to loan sharks, often pay- rect BanKo offers lower tion Resource Center from
ing as much as Php4,000 a day for the high interest and interest rates ranging the Office of the Governor’s
a small portion of the principal. As a result, Mamaril’s from 2.5% to 4% and Public Employment Services
business, Net’s Cassava Republic, hardly flourished as loanable amounts rang- Office (PESO), said BPI Di-
she got trapped in a vicious cycle of indebtedness. ing from PhpP25,000 to rect BanKo can help not only
But Mamaril has reason to be optimistic these days: She Php300,000 depending SMEs but also OFWs and
is one of the beneficiaries of BPI Direct BanKo, which on the loan scheme. their families who plan to
offers small and medium enterprises (SMEs) like hers These rates, accord- open businesses. “BPI and
low-interest loans. BPI Direct BanKo opened its 200th ing to BanKo president BanKo have been part of our
branch in barangay Maahas last March 12, 2019, which Jerome Minglana, are advocacy to promote invest-
Mamaril attended. ment among OFW families,”
“one of the lowest, if
A subsidiary of the Bank of the Philippines Islands, BPI she said.
not the lowest among
Direct BanKo is a microfinance enterprise for SMEs. It is important to sus-
microfinance loan pro-
Since its inception in 2017, it has assisted over 45,000 tain the livelihood of OFWs
viders.”
clients and is looking forward to help over 85,000 clients BanKo Chairperson Simon Paterno and Mary Jane Corcuera of families when they no longer
by the end of 2019. Although a bank ac-
One-stop Migration Resource Center (above) cut the ribbon dur- work abroad. One way to do
count with BPI is not ing the opening program of Banko’s 200th branch in Los Baños.
High interest rates necessarily a require- BPI Direct BanKo beneficiary Nenita Mamaril (top) shares to the that is by going into busi-
Microfinance companies are crucial because these are ment for the loan, Min- public how BPI’s microfinance loans have helped her business ness, said Mabiasen of the
a more viable alternative compared to informal lending glana said BPI Direct flourish. (Photos by Jervis Gonzales) Microenterprise Loans and
services, said Rob Mabiasen, head of BPI Direct BanKo’s BanKo encourages cli- Branch Network, stressing
Microenterprise Loans and Branch Network. Although ents to open a bank account afterwards that will be used to the importance of saving up among OFW families.
informal loan services are easier to avail as most do not settle their loans but also for savings purposes. “We want Mamaril, the owner of Net’s Cassava Republic, attests to
require paperwork, these loans tend to have higher inter- to set up the behavior of savings among our clients. We BPI Direct BanKo’s effectiveness. She settled her outstand-
est rates coupled with a daily payout. This, Mabiasen said, want to teach them the value of savings,” Minglana said. ing loans within a week of her loan filing, allowing her to
drains out earnings or savings of SMEs. Los Baños officials expressed gratitude to BPI Direct secure a bigger capital to grow her business. Freed from
In order to encourage SMEs to avail of microfinancing BanKo for choosing to open its 200th branch in the town. the clutches of high-interest lending, Mamaril was able to
from reputable companies and discourage the use of in- “Malaking tulong ito para sa mga mamamayan ng Los develop parts of her house and also build a small factory
formal loaning services, BPI Direct BanKo only requires Baños na nangangailangan ng tulong-pinansyal,” said and office. “Maganda na po ang aking tindahan ngayon.
SMEs to present a barangay or mayor’s permit along with Robert Laviña, Los Baños municipal administrator. Very presentable na po yung tindahan,” she said. L
Laguna mayo
Vol. 1 No. 8
NEWS ANALYSIS
as election weapon
produce — such as unverified “intelli-
gence reports” — regardless of whether
this will stand in a court of law.
Te likens the “narco list” to the mili-
tary’s “order of battle,” a list of its en- IN disclosing his latest “narco list,” Presi- fice, saying last year — after it bared more
dent Rodrigo Duterte insisted that this names in its “narco list” — that it would
emy targets that it comes up on its own. was not related to the upcoming elections. ask the Commission on Elections to do
“It’s the same thing with tokhang — ex- “I’m not really interested in releasing it exactly that.
ecutive determination of probable cause before or after the elections because I do In April, weeks before the barangay and
but not for filing of cases,” Te said, add- not have the slightest intention to hurt Sangguniang Kabataan elections, the gov-
ing: “It’s Marcos all over again.” anybody or to be a cause of the failure of ernment released the names of more than
Publicizing the names of those in the an election of a certain man who wants to 200 barangay officials.
do Año the day the president released the “narco list.” The DILG
e list. (Malacañang photo) list without first filing criminal cases — serve the public,” Duterte said. The government insists that these lists
in which case the proper determination The Department of the Interior and Lo- are meant to raise the public’s awareness
ment before the Office of the Ombudsman. While of probable cause would kick in — sug- cal Government, which drew up the list about their politicians. There is no deny-
gests that the motive behind the “narco based on its intelligence reports, defend- ing, however, the impact these lists have
probable cause can still be applied, the fact that the
ed Duterte’s move. “It would be unfair for on the conduct of elections.
Department of Justice is not involved indicates the list” is politics, not criminal prosecu-
them to ascribe bad intentions on our part One Laguna mayor, Bruno Ramos of
low “evidentiary threshold” used for the list, said law- tion. Te, La Viña, and Bagares agreed. because this was not done for politics,” Bay town, has said he would not seek re-
yer Romel Bagares, executive director of the Center It remains to be seen whether the DILG spokesman Jonathan Malaya told election because of the list, even though
for International Law. government will file criminal cases ANC last week, referring to critics of the he has not been charged in court for any
The DILG case is an “implicit” acknowledgment against those in the list. For now, the “narco list.” drug offense. Critics have accused the
that the government can’t determine probable cause, politicization of probable cause seems But the DILG itself has said publicly government of “weaponizing” the “drug
Bagares pointed out. Even then, the Ombudsman, to serve Duterte’s purpose. L that these lists are meant to disqualify war” and these lists to influence the elec-
politicians from running for public of- tion. L
and so fascist
last weekend, my seatmate It seems a pervasive thing to delegate. Even in the way
inside the van from Shaw we believe, there is a tendency to delegate our problems
Boulevard appeared impa- to God. We think that when we heap all our problems
tient. “Haist, buhay Pinas on Him, these will all vanish like magic. He will sort ev-
THE images of Ronald Cardema online, many
talaga! Dapat may gawin erything out for us but when our expectations are not
of them taken before he was appointed chair-
sila sa impyernong trapik met, we back out. We forget that maybe God, with all His
man of the National Youth Commission, are THE RUDE TRUTH na ito!” she exclaimed. might, has other concerns, too, and cannot attend to the
disconcerting. Some show him doing the Aya Jallorina Who she was referring to pleas of every supplicant. We forget that before the alms,
closed fist salute with politicians, like President
exactly, I don’t know. The we need to help ourselves first.
Duterte and Davao City mayor Sara Duterte.
government? Our legislators? The MMDA? The LGUs?
Others show him lined up with Duterte Youth
Or commuters themselves? “Like it or not, for injustice or irregularity
members in poses and accoutrement — like red
At a state university where I attended classes, I heard to be effectively defeated, we need more
armbands — reminiscent of Nazis. In at least
the same lament of my classmates concerning the school’s than just moan our discontent but remain
one photo, he is shown in a nighttime parade
facilities, particularly the women’s toilets. Many are an- bystanders. We must not be oblivious to
holding a tiki torch, as neo-Nazis often do.
These allusions to Nazism are upsetting, to gry at the university’s inaction to upgrade the facilities events that are actually unfolding before
but only a few did something to change the situation. our very eyes.”
say the least. What’s worse is that Cardema, a
Someone who knows my advocacy about rate reforms
native of Laguna, is embodying the sordid poli-
in electricity often asks: “May increase na naman sa sin- So why delegate when we can actually act on it? We
tics of these images. This is reprehensible giv-
gil sa kuryente. Sobrang burdened sa overcharges ang have the power to expunge anything we see as detrimen-
en his position in a government agency whose
konsyumers! Kelan kayo mangangalampag sa ERC at tal to us — be it the environment, the government, our
main mandate is to look out for the welfare of
Meralco?” She supports my group’s lobbying but it is leaders, our malfunctioned transport system, and the
the youth. Cardema is supposed to be a model
more of a provocation rather than actual cooperation. flawed bureaucracy. We can dissent when government
for young Filipinos, which is a scary notion giv-
When the going gets rough, she hides in her comfortable policies go astray. We can intelligently criticize.
en the fascistic politics that underpins his ac-
cocoon. She doesn’t want to be in hot water, she said. When our leaders belittle our capacity as skilled work-
tions and statements.
Familiar, right? People complain about irregularities ers, we can show them what we can do. When our legis-
Cardema endorses the violence that his pa-
yet are evasive in taking action to change the course of lators do not act on their promises, we can reject them
tron, the president, unleashed on the nation in
things. They can be likened to bystanders who cheer at in the next polls. If we are disgusted with how they run
the name of a bogus “war on drugs.” Several of
street fighters but are quick to scamper for safety when the government, we can join their ranks and see if we
his constituents, many of them children who
the police come. can carry out reforms. When we see red tape, let us not
had no link at all to the drug trade, have fallen
This kind of attitude leaves impassioned souls to la- nurture it by paying a bribe. Rather, let us report the
victims to the “drug war” that has killed tens of
bor against the abusive system, while the apathetic ones anomaly.
thousands.
go on with their mundane lives as if every little victory Let us say what we think — by ourselves and not as
“Ronald Cardema is supposed to be a earned by dissidents does not affect them. Passively, they mouthpiece of the politicians we patronize. If we find faults
model for young Filipinos, which is a scary wait for heroes and heroines, for the knight in shining in our leaders, inform them. Write your concerns. Wheth-
notion given the fascistic politics that armor to rescue them. They look timidly, without lifting er they act on it or not, the important thing is to send the
underpins his actions and statements.” a finger, for fear of retribution. They say they cannot ac- message across. Let them know people are watching.
cept abuses but they will never talk about it. “‘Hangga’t Like it or not, for injustice or irregularity to be effec-
He engages in the same reprehensible con- sila ang nandiyan, all we can do is be silent. Ayaw natin tively defeated, we need more than just moan our discon-
duct by the military of “red-tagging” activists, na mi kumatok sa ating pintuan sa kadiliman ng gabi.” tent but remain bystanders. We must not be oblivious to
even proposing that the government deprive To them, the apathetic side is always the safe side. So events that are actually unfolding before our very eyes.
funding for student activists in state universi- they delegate the job of dissenting to courageous souls. When exigencies call for it, we need to act. It is a small
ties. Like the military, he equates dissent with They join the millions who remain silent in the face of contribution to making this country work. L
taking up arms against the government, never
mind that protest is a legitimate and constitu-