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Teach 15,000 rural kids to save and invest

by NATCCO (National Confederation of Cooperatives)
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest
Teach 15,000 rural kids to save and invest

“Education is the passport to the future, for tomorrow belongs to those who prepare for it today.”

This is according to Malcolm X and Agusan del Norte Teachers, Retirees, Employees, and Community Multi-Purpose Cooperative (ANTRECCO) believes on this. This is the very essence why ANTRECCO joined the group of cooperatives that implement Aflatoun Program. Aflatoun Program is a Child Social and Financial Education.

This program contributes to 4 out of the 17 United Nation’s Sustainable Development Goals which are, NO POVERTY, QUALITY EDUCATION, DECENT WORK and ECONOMIC GROWTH, and REDUCED INEQUALITIES. Because of the reasons cited above, ANTRECCO became interested in implementing it.

From that interest, it became the passion of not only of its General Manager, but also the other Branch Managers, officers, and staff. The implementation of Aflatoun Program started last 2014, with five (5) pilot schools namely: Santiago CES, Agay NHS, Carmen CES, Carmen NHS and Buenavista NHS. It expanded the program by adding twelve (12) additional schools last 2018 and these are the following. (1) Santiago NHS, (2) Tubay NHS, (3) Doña Rosario NHS, (4) Doña Rosario CES, (5) Tubay CES, (6) Luis B. Azura Mem. ES, (7) RTR CES, (8) Cogon CES, (9) Nasipit CES, (10) Mateo B. Abao CES, (11) Tagcatong CES and (12) Cahayagan ES.

ANTRECCO has three (3) branches that cater Aflatoun Program. Carmen Branch caters 6 schools. Cabadbaran Branch caters 9 schools and Libertad Branch caters 2 schools. Altogether, ANTRECCO has trained 101 teachers and 8 school heads for the Aflatoun Program. It has total number of 2,076 student depositors with a total amount saved of Php 528,560.87 as of May 31, 2019.

Last January 2019, ANTRECCO sent three (3) participants to Kuala Lumpur, Malaysia for Capacity-Building Training Program for Aflatoun Coordinators and Advocates. These 3 participants are now certified National Trainer on Aflatoun Program.

During March 2019 Recognition Day, ANTRECCO also awarded Top Savers of the Year to all partner schools. The Top Saver for all the Aflateens and Aflatouns is Marie Antoinette, a Grade 9 - Section Fleming student of Carmen National High School. Marie Antoinette says that with Aflatoun Program she learned to save from her allowances. Aflatoun Program is really a blessing on her life and she will continue to save money for Aflatoun and it will become her habit forever in her life. She intends to save as a preparation for her study in college. She believes that her savings will really help her mother especially in her schooling in the future.

Last Brigada Eskwela 2019, ANTRECCO supported the preparation of all Aflatoun schools by donating painting materials and even attended the kick off program of Brigada Eskwela in selected partner schools.

As for their future fruitful plans, ANTRECCO is currently coordinating with Department of Education in the Division of Agusan del Norte’s Schools Division Superintendent to proceed with its training for the sixteen (16) additional partner schools in the Municipality of Las Nieves, Agusan del Norte.

It is the dream of ANTRECCO to institutionalize the implementation of Aflatoun program. This means that it will implement the program to all its branches across the region. And with the support coming from NATCCO, DepEd, Teachers, parents, and the learners, it will all come into fruition. 

We usually hear inspiring testimonies from our young savers of the great impact they have embraced because of the Aflatoun Program. However, one that also consists of the Aflatoun Network are our educators who have been an instrument to teach the heart of the program to our Aflatouners!

Introducing one of the dedicated Aflatoun Teachers and School Coordinator of Lamac National High School, Ms. Miriam Balansag who shared her journey from the moment Lamac Multi-Purpose Cooperative introduced the program to their school community last 2017.

Being in the program for two years, challenges and success stories have already transpired in Lamac NHS and how did Teacher Miriam motivate her students to develop their habit of savings? How did she become engaged in the cooperative through the Aflatoun movement?

Check out her testimony below to be inspired and encouraged through her #AflaStory!

 

Saving a penny has always been my desire since my high school days. And now that I am already a teacher, I look forward to see this desire in my students as well.

 

Luckily, Aflatoun program was introduced during my 1st year here in Lamac National High School. I was so eager about its implementation because I knew this is going to be an avenue in teaching the students to become financially literate. However I was also a bit hesitant since I was unsure if the students would embrace it or if their parents would support them in this aflatoun program. Also, considering that Lamac is the pioneer of this program, it was really a challenge for me if I could help sustain it here in our school.

 

However, through the help of the Youth Program Head, Mr. Kevin Paslon and our ever supportive principal, Dr. Delfin P. Tuquib, we were able to successfully start its implementation last November 2017.

 

At first students were not that dedicated in saving a part of their ‘baon (allowance)’ but through constant motivation, their savings became consistent. One of the most effective motivation I did was giving 100 pesos ($2) per month on top of their savings to the most consistent saver of the month. This strategy made them more excited to save apart from having something to withdraw at the end of the school year. There were even times that I forgot to follow up, and it’s already them reminding me, “Ma’am ang savings d i? (Maám, can we save?)”. In fact, their savings was way bigger than I expected. This made me realize that the desire I had back then when the program first launched in our school has already been emulated by my students.

 

In addition, the teachers of Lamac National High School were so grateful that our principal has always pushes us to be equipped with trainings and seminars that made us more equipped may it be beneficial in our field of teaching or personal development like financial literacy workshops. I had been blessed with a lot of opportunities that taught me the real essence of the cooperative movement, and this directed me to become part of Lamac Multi- purpose Cooperative which awakened my innate desire to serve the people as well.

 

I can still remember a teaching in one of our seminars, from Warren Buffett, “Do not save what is left after spending, but spend what is left after saving.” At first, it may be hard, you may not see its importance yet, but in the long run, you’ll get used to it and you will just realize that a penny is worth saving.”

 

You can follow inspiring testimonies and #AflaStory on our facebook page: Aflatoun Philippines. Till next update, Global Givers! Keep saving!

Meet Elijah, inspiring young saver for this month!
Meet Elijah, inspiring young saver for this month!

A great start for another month, Global Givers! How well have you been?

Today, we have another great story from one of our savers in the Philippines. His name is Elijah, and he came from a small town called Pinamungajan in Cebu, which is also known as the Queen City of the South. He is currently a Grade 5 student who, like any other kids in the Philippines, became hooked on video games in this day and age of developing technology. Elijah have his own unique story of transformation to tell, shall we start?

Having been born in a middle class family living in the province, Elijah's parents strived hard to send him to a good school and to create a bright future for him and his siblings. But because of the nature of their work, both of his mother and father has not been always at home. And to compensate for their busy schedule, Elijah's parents oftentimes just gave him money and give in to his purposeless requests. His parents meant well but this only contributed to Elijah's carelessness with his money.

"My parents were all busy on their work so I was hooked up with computer games, playing rubber bands, and stickers. I bought everything and anything that I want, mostly junk foods, and then I give it to my friends. I was generous to them because I enjoyed their company. Since my parents were all busy, I felt like they don’t have time for me”, Elijah stated.

It was three years ago, on the year 2016, when our local cooperative partner, Lamac Multi-Purpose Cooperative started reaching out to Tajao Central Elementary School, Elijah’s school. When his parents knew about Aflatoun, they enthusiastically let Elijah join our social and financial education program with the hope that he will learn the importance of money. That time, Elijah only saved money because his mother told him so and not because he willingly wanted to.

One afternoon after class, Elijah hasn’t come home yet. Her mother got really worried and shortly discovered him intensely playing computer games and even paying for his friends at a computer shop near his school. Her mother got even more disheartened when she learned that this happened several times already and that Elijah had very little sense of the value of money. Yet, instead of reprimanding Elijah, her mother decided to enlighten and encouraged him to save. Elijah recalled, “She [my mother] told me that I should stop playing computer games because it is not good for my body and for my studies. It is just a waste of money. She encouraged me to save the money that I received from them and from my grandparents. She helped me realized that not all the time they are always there to give me money or even have money to give.”

Elijah’s parents didn’t want them to experience the hardships they’ve undergone just to finish college during their years and worked so hard to be able to provide their daily needs. They also apologized to Elijah for those times they were not around because of their work and he felt that they didn’t care.

As I look at my mother, I knew what she’s doing is very difficult and hard because she is a working mom. So from then on, I gradually realized the importance of savings for my future. I know there are lots of computer shops, there are many foods that could make me happy but I’ve learned to control myself and the value of hard-earned money. This event has taught me self-discipline and how to prioritize needs over wants.

Elijah, with the support coming from his parents, decided to join taekwondo training that diverted his interest from playing video games and helped him physically, emotionally and mentally. He also sold his online game account and rubber bands and saved all of its earning to his Aflatoun savings account. He put off that quick blip of happiness to create something greater in the long run, like the ant who saved up for the rainy days.

Now, Elijah has been a consistent Aflatoun Child of Year awardee for 3 years straight! Truly inspiring! Her parents, friends, and mentors are more proud of him than ever because he is now saving more and spending less, inspired to think about his future. He learned that the simple practice of setting aside any amount of money, no matter how small, has the potential to enrich lives in ways many of us would not have expected. And this makes us proud, too! Way to go, Elijah!

Elijah with his classmates and advisers
Elijah with his classmates and advisers
Elijah is a consistent Savers awardee (from 2016)
Elijah is a consistent Savers awardee (from 2016)
Elijah: Child of the Year 2019 and Keynote Speaker
Elijah: Child of the Year 2019 and Keynote Speaker

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In this complex 21st century economy, one potential way of integrating young people into the labor market is to increase youth entrepreneurship. Becoming an entrepreneur offers benefits to the young person through deepening their human capital attributes (self-reliance, skill development) and increasing their levels of happiness. Entrepreneurs create jobs, increase innovation, raise competition and are responsive to changing economic opportunities and trends. NATCCO believes in the capacity and potential of young people to create opportunities for themselves and live a life of creativity, success, and service through entrepreneurship thus we conducted the 2-leg Youth Entrepreneurship Training that aimed to provide an avenue for entrepreneurship ideas, innovation, and teamwork.

Last April 24-25, 2019, NATCCO held a two-day Youth Entrepreneurship Training at Goducate Training Center, San Miguel, Iloilo. We had a wonderful opportunity to train 29 aspiring young entrepreneurs from Visayas region during this 1st leg of the training. We are extremely grateful for all youth participants for their dynamic participation as they represent each of their Cooperatives to set an exemplary contribution to the community as young entrepreneurs. The training also provided our young leaders with additional take-aways of a timely topic on how to become a responsible voter in preparation for the recently concluded May 2019 Philippine Elections.

Then, a month after, we successfully conducted the 2nd leg of the Youth Entrepreneurship Training, this time in Luzon Region. It was attended by 49 young entrepreneurs and was held in Ban-aw Resort, Candon City, Ilocos Sur on May 23-29, 2019. The three-day training was designed to introduce entrepreneurial concepts to aspiring youth entrepreneurs with a glimpse of being literate in a digital economy, with a whole day of benchmarking to two of the most successful cooperative partners in youth development. This paved way for the participants to witness and hear the Stories of Innovation from one of the biggest cooperative in Luzon, Sacred Heart Savings Cooperative and Sta. Cruz Savings Development Cooperative, through a study-visit in one of their branches.

Our vision to create positive change-makers in the country is enabled through creating young entrepreneurs who could contribute to the social issues beginning in their community. We believe that this opportunity to hear about their potential to become entrepreneurs inspired them to create a more meaningful personal vision beginning with themselves and their involvement in the Cooperatives, and eventually responding to a much bigger issue of the society.

We are grateful and overwhelmed of the support our partner cooperatives have granted and giving their young leaders the opportunity to be exposed in the field of enterprise. And we are also grate to your generous help, Global Givers. May we continue to deepen and reach the personal vision of the young leaders of our generation!

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Michael smiles as he prepare his goods for the day
Michael smiles as he prepare his goods for the day

Good day, global givers! How are you? Hope everything is going well wherever you are.

Today, we are going to share with you another inspiring story from one of our young savers here in the Philippines to motivate us from saving wisely and spending responsibly. When you think that you could not break free from the past habits that could damage your lifestyle, Michael shows the otherwise!

Michael is a Grade 9 Student of San Jose National High School, one of the partner schools of Most Holy Rosary Multi-Purpose Cooperative, in Rodriguez, Rizal. He used to be a typical teenager, hooked on computer and online games. Almost every day in a week, he would only spend most of his allowance and time on computer rental and online games.

When Most Holy Rosary MPC started implementing the Aflatoun program in his school, he found the program interesting and thus sparked his desire to save more money to be deposited on his account. Joining our savings program helped and motivated him to redirect his priorities and to live a more purposeful life.

With this goal etched on his mind, he gradually awakened his entrepreneurial skills and started using his own money to build his micro-enterprise. You will often see him in their school with his paper bag full of goods. With selling leche flan (caramel custard) and turon (fried sweetened banana rolls, he was not only able to profit from his business but he was able to save his income to his account passbook instead of splurging it in playing computer games.

His social skills enabled him to connect and inspire people who are even older than him. His confidence has grown and so are his savings. Michael is an epitome of Aflatoun's pursued outcome for the youth: to be socially and financially invested.

"Nakakatuwa sya! Hindi sya nahihiya kay laki-laking bata nagtitinda ng turon at lecheflan sa school. Lahat ng kita nya sinisave nya sa kanyang #Aflatoun. Ngayon nga, may nakaipit na pera sa kanyang libreta, ihuhulog daw nya yun. Hinahayaan lang naman namin. [He’s amusing! Even though he is tall for his age, he is not ashamed to bring and sell turon and leche flan in his school. What’s even more delightful is that he saves up all of his profit on his account. Actually, he has some money hidden on his passbook right now, and he said he plan to deposit it. We just let him be.]" His mother, Roda, added. His father, Marlon, on the other hand is also a proud member of Most Holy Rosary MPC and everyone in his family is into saving into coop.

His story is truly motivating, hope it inspired you like it did to our team.

Till next update, keep saving!

Michael sells turon in his school and makes profit
Michael sells turon in his school and makes profit
 

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Organization Information

NATCCO (National Confederation of Cooperatives)

Location: Quezon City, Metro Manila - Philippines
Website:
Facebook: Facebook Page
Project Leader:
Lasalette Gumban
Youth Program Officer
Quezon City, Philippines
$5,205 raised of $10,000 goal
 
91 donations
$4,795 to go
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