For Training 1

TOPICS TO BE DISCUSSED:
 Authorized Agency Officer

 Members Service Profile/Agency Remittance
Advice
 GSIS Loan Applications
 Certification of GSIS Loan Applications
Agency Authorized Officer
The Agency Authorized Officer (AAO) is

the official representative of a
government agency who not only
approves loans, but also serves as a
partner of the GSIS in the timely
submission of updated information of
his agency and its employees.
Agency Authorized Officer
The agency is likewise responsible for updating the

members’ membership profiles. It must submit to
GSIS, through the designated agency authorized
officer, any change in the employment status of
members using the Agency Remittance Advice (ARA),
the basis for updating the membership profile to
reflect the new salary rate, employment status,
position and any other important information.
Membership Information Sheet
Updating Member Service Profile
Agency Remittance Advice
Form A - For new members/re-employed/reinstated
Form B - For transferees
Form C - For salary adjustments
Form D - For employees with LWOP and for termination
Form E - For employees with changes/correction in their
Personal Data
GSIS Loan Applications
GSIS offers various loans to assist members with their

financial needs: (Consolidated Loan)-MULTI Purpose
Loan, Policy Loan and Emergency Loan. Members and
pensioners may apply for these loans using their GSIS
eCard through the GWAPS kiosks located in all GSIS
branches, selected government agencies and Robinsons
Malls.
 Active Members of GSIS
 At least 1 year in service
 Are not on leave of absence without pay
 Have no pending administrative or criminal
cases
 Have no arrears under GSIS Financial
Assistance Loan or Housing Loan
 Without Un-deducted Obligations
Multi-Purpose Loan ( Consolidated Loans)
The following GSIS service loans may be paid through MPL in the
following order:
 Salary Loan
 Restructured Salary Loan
 Enhanced Salary Loan
 Emergency Loan Assistance
 Summer One-Month Salary Loan
 Conso-Loan Plus or Enhanced Conso-Loan Plus
The following GSIS service loans may be paid through
MPL in the following order:
 Member’s Cash Advance
 eCard Cash Advance or eCard Plus Cash
Advance
 Emergency Loan
 Home Emergency Loan Program (HELP)
 Education Assistance Loan I and II; Fly Pal, Pay
Later; Study Now, Pay Later; and Stock Purchase
Loan. Not included in the program is GSIS’s
housing loan and policy loans.
Emergency Loan
The Emergency loan provides assistance to GSIS to
members affected by natural calamities.
Policy Loan
Policy loan is a loan program which you can avail from your GSIS life
insurance policy.
The Policy Loan bears an interest of 8% compounded annually.
A member can apply for the Policy Loan using the GSIS Wireless
Automated Processing System (G-W@PS) kiosk installed in all GSIS servicing
offices and select government offices nationwide.
A member who has been insured for at least one year may be granted
the Policy Loan. The availing member must also have updated premium
payments and has an active policy to be eligible under this loan product.
How to Apply for a Loan thru GW@PS
Your financial worries are solved by

applying for a loan through the GSIS
Wireless Automated Processing System (G-
W@PS) Kiosk. Absolutely, no documents
are required when filing for a loan using
the G-W@PS kiosk which resembles an
automated teller machine.
Here are 10 easy steps to apply for a loan through the G-
W@PS kiosk:
1. Go to a GSIS office nearest you.
2. Place your eCard Plus in the G-W@PS kiosk card
reader. It will display your personal data.
3. Choose Loan Windows icon. The screen will display
the type of loans
4. Touch the loan icon you prefer (example: Conso
loan, Salary loan, Emergency loan assistance, summer
one-month salary loan). The screen will display the
tentative computation of your preferred loan. You may
change the loanable amount or payment terms.
5. The Kiosk will prompt you to update your cellphone

number and agree to the Application Agreement.
6. If you want to proceed with the application, touch
“Agree” icon. If you want to cancel, touch “Cancel” icon.
7. If you touched “Agree,” the screen will display the
verification page. You may select the finger to be used for
verification.
8. To confirm your loan application, place selected finger on the
biometric scanner. Your loan will be forwarded to your Agency
Authorized Officer (AAO) for approval/disapproval.
9. Wait for a text message notifying you of the status of your
loan application.
10. Once approved, you can withdraw anytime your loan
proceeds from any Megalink, Bancnet and Expressnet ATM located
nationwide.
Certification of GSIS Loan
Applications
Agency Authorized Officers (AAOs)
Agency Authorized Officers or AAOs, serve as the links of GSIS to its partner remitting agencies. They
have the following responsibilities:
Certify the loan applications of members in their agencies as to the following:
•That the net take home pay of members is sufficient to cover the regular monthly amortization of
the loan applied for;
•That loan borrowers are in active service;
•That loan borrowers have no pending administrative and/or criminal charge; and
•That in case of separation from the service, the agency shall make the final payment to members
only after clearance is obtained from GSIS;
Process for Loan Applications
AAO will check the AAO
Certification System to
generate the filed Loan
Application to be
submitted to the
Verifier
Verification of
Loan Application
and coordination
GSIS will send with the AAO
Email and SMS
Notification to the
borrower AAO will
disapprove/approve the
Loan application thru AAO
Certification System
GSIS Financial Assistance Loan
GFAL is a program that enables Under GFAL, the maximum loan
GSIS members to consolidate amount is Php500,000, with a
and transfer to GSIS their 6% interest rate per annum and
outstanding loan balance from 6-year payment term through
lending institutions that charge salary deduction. If the amount
high interests. GFAL’s low of loan balance transferred to
interest and longer payment GSIS is lower than P500,000,
term yields higher take-home borrowers may apply for the
pay for members and protects remaining credit as Top-Up Loan
their future retirement benefit. for their other needs.
GSIS pays GFAL’s proceeds directly to lenders, while Top-Up loan proceeds
are released to members.
Interested GFAL applicants from DepEd must be:
- permanent government employees with outstanding loan from lending institutions,

government banks, or cooperatives accredited or recognized by their agency;
- have at least three years of periods with paid premiums; and have no due and demandable
loan account with GSIS.
- they should not be on leave without pay at the time of application;
- have a take-home pay of not lower than Php5,000 after deduction of monthly obligations;
- have no pending administrative case or criminal charges.

GFAL REQUIREMENTS
 GFAL Application Form

 GFAL TOP-UP Application Form
 GFAL SOA
 SOA from PLI
 Tentative Loan Computation
 Latest Payslip
Request SOA from Submit the Filled up

You may download
PLI GFAL forms and SOA
GFAL Forms from the
GSIS Website and Fill to GSIS and request
it up for tentative Loan
Computation
The Borrower will GFAL PROCESS Submit complete

submit the complete forms to DepEd
GFAL documents to Verifier to verify your
GSIS for processing GFAL Application
The verifier will
AAO will certify the coordinate with the
latest payslip and AAO and submit the
sign the GFAL Forms forms for
Certification
SALARY DIFFERENTIAL DUE TO
STEP INCREMENT
Requirements: (2 copies each)

 Latest Appointment
 Payroll/Payslip of old salary and adjusted salary
 Certificate of Leave Without Pay
 Updated Service Record
SALARY DIFFERENTIAL DUE TO
PROMOTION/RECLASSIFICATION
Requirements: (2 copies each)

 Latest Appointment
 Payroll/Payslip of old salary and adjusted salary
 Certificate of Leave Without Pay
 Assumption to Duty
SALARY FOR BENEFITS:
PROPORTIONAL VACATION PAY
Source: DepEd Memorandum No. 049, s. 2020

CLOTHING ALLOWANCE
 6,000.00 PHP
 Already in service and are to render services
for at least 6 months in fiscal year
**For Newly Hired Employees…
 Only after rendering 6 months of service and if expected
to render services for at least 6 months for the rest of the
year
Source: Budget Circular No. 2018-1
CHALK/CASH ALLOWANCE
 3,500.00 PHP
 Has at least 1 teaching load
 Given not earlier than the official start of school
year
 Teachers who assume duty beyond 30 calendar
days after official start of school year shall be
eligible on a pro-rata basis
Source: DepEd Order No. 10, s. 2020
MID-YEAR BONUS
 Equivalent to 1 month basic pay
 Given not earlier than May 15
 Personnel has rendered at least 4 months from
July 1 of preceding year to May 15 of current year
 Personnel remains in service as of May 15
 Personnel has obtained at least satisfactory
performance rating
PERFORMANCE BASED BONUS
 Bonus will depend on the school’s

and division’s performance
YEAR-END BONUS & CAHS GIFT
 Equivalent to 1 month basic pay
 Cash gift worth 5,000 PHP
 Given not earlier than November 15
 Personnel has rendered at least 4 months from
January 1 to October 31 of the current year
 Personnel remains in service as October 31

YEAR-END BONUS & CASH GIFT
If you retired/separated from government service before
October 31 of the same year, you shall be granted a PRO-RATED
share of YEAR END BONUS and CASH GIFT
Length of Service Percentage of YEB & CG
4 months less than 5 months 50%

YEAR-END BONUS & CASH GIFT
If you rendered a total of less than 4 months of service from
January 1 to October 31 of current year and are still in government
service as of October 31, shall be entitled to pro-rated Cash Gift
Length of Service Percentage of P5,000 Corresponding Amount

3 months but less than 4 months 40% P2,000
2 months but less than 3 months 30% 1,500
1 months but less than 2 months 20% 1,000
Less than one month 10% 500

PRODUCTIVITY ENHANCEMENT INCENTIVE
 5,000 PHP
 Given not earlier than December 15
 Personnel remains in service as November 30
 Employees who rendered at least 4 months of
satisfactory service as of November 30

PRODUCTIVITY ENHANCEMENT INCENTIVE
 **If less then 4 months, pro-rated PEI applies:

Length of Service Percentage of P5,000
3 months but less than 4 months 50%
Less than one month 20%

LOYALTY/CASH INCENTIVE
 Employee who incurred an aggregate of not more than
fifty (50) days authorized vacation leave without pay
within the 10-year period shall be considered as having
rendered continuous service for purpose of granting the
loyalty pay
 Employee who incurred an aggregate of not more than
twenty-five (25) days authorized vacation leave without
pay within the 5-year period may qualify for the 5-year
milestone loyalty award
Source: CSC Memorandum Circular No. 6, s. 2002
LOYALTY/CASH INCENTIVE
Years in Service Amount of Entitlement

10th year P10,000
15th year 5,000
20th year 5,000
25th year… 5,000
Source: CSC Memorandum Circular No. 6, s. 2002

MATERNITY BENEFITS
 105 days maternity leave with pay
 60 days maternity leave with pay for miscarriage and
emergency termination of pregnancy
 Additional 15 days maternity leave if female worker
qualifies as solo parent
**Employees with maternity leaves filed during vacation will

receive double pay: their basic pay and maternity benefit
WORLD TEACHER’S DAY
 1,000 PHP
 Still in service as of October 5

MONETIZATION
 Officials and employees who have accumulated fifteen
(15) days of vacation leave (VL) shall be allowed to
monetize a minimum often (10) days: Provided that at
least five (5) days VL credits is retained after monetization
and provided-further that a maximum of thirty (30) days
may be monetized in a given year per
 Requirements:
 Leave Form
 Updated Leave card

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TOPICS TO BE DISCUSSED:

 Authorized Agency Officer

The Agency Authorized Officer (AAO) is

The agency is likewise responsible for updating the

GSIS offers various loans to assist members with their

Your financial worries are solved by

5. The Kiosk will prompt you to update your cellphone

- permanent government employees with outstanding loan from lending institutions,

- they should not be on leave without pay at the time of application;

- have no pending administrative case or criminal charges.

 GFAL Application Form

Request SOA from Submit the Filled up

The Borrower will GFAL PROCESS Submit complete

Requirements: (2 copies each)

Requirements: (2 copies each)

Source: DepEd Memorandum No. 049, s. 2020

 Bonus will depend on the school’s

Source: Budget Circular No. 2016-4

Source: Budget Circular No. 2016-4

Length of Service Percentage of P5,000 Corresponding Amount

Source: Budget Circular No. 2016-4

Source: Budget Circular No. 2016-4

 **If less then 4 months, pro-rated PEI applies:

Source: Budget Circular No. 2016-4

Years in Service Amount of Entitlement

Source: CSC Memorandum Circular No. 6, s. 2002

**Employees with maternity leaves filed during vacation will

Source: DepEd Order No. 29, s. 2020

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