21/11/2019
HIGHLIGHTS OF POLICY BREAKOUT SESSION
I. ATI’s Organic Agriculture Programs/Projects under New DA Administration, and its Status/Updates & ATI-CALABARZON Best Practices
Facilitated by ATI RFO IV A CALABARZON, the breakout session was discussed by the ATI IV A Training Superintendent I Mariel Celeste C. Dayanghirang. In her discussion, she highlighted “HiLING Program” as one of ATI-CALABARZON’s best practices under DA administration.
HiLING Program stands for High impact, Location specific, Institution centered, Need based, and Goal directed. Dubbed as the extension innovation of the ATI-Region IV A, the program is designed for the sustainable development and sustainable intervention. Ms. Dayanghirang explained and justified the acronym of HiLING—High impact such that it involves national/regional agencies, SUCs, LGUs, and the private sector; location specific usually involving 4th to 6th class municipalities; Institution centered with each members of the family as beneficiaries; Need-based with specific interventions matched with the location’s needs; and Goal oriented activities in line with Ambisyon 2040, Ani at Kita of DA, ATI, and capacitating families and farm communities.
From 2016-2019, a total of 84 families were reported to benefit from the program with a total of 336 individuals across CALABARZON.
The implementation framework of HiLING program was discussed into its parts--pre-intervention phase (conceptualization, planning, and preparation phase) five months before actual intervention; actual intervention phase for six months; and impact evaluation phase. All of which are aimed to cause maximized productivity and profit to beneficiaries, disaster readiness in times of calamities, and empowerment among individuals.
The discussion was concluded with video presentation about the program and insights from the beneficiaries. The video featured 30 families as the beneficiaries; 16 from Macalelon, Quezon, and 14 from Mabitac, Laguna. Families were engaged into a series of trainings and seminars: DRRM on climate change, first aid training, Farmers Field School (FFS), Farmers Business School (FBS), Training on Meat processing, Training on Enterprise Development, Training on Early Child Care Development (ECCD), Training on Gender and Development, Training on Rice Updates and the like. Furthermore, regional youth camps, planting soybean and tricantera, and FFS on sustainable pig farming were also launched by the program.
II. Program of Sustainable Agriculture in the Communities
Fr. Edu Gariguez, Executive Secretary of Caritas Philippines discussed on Sustainable Agriculture Community Empowerment and Resilience Strategy. As part of the humanitarian, development, and advocacy arm of CBCP, the National Secretariat for Social Action (NASSA)/Caritas Philippines, Fr. Gariguez highlighted the involvement of the church and their organization in serving and helping the most vulnerable, including farmers. He started his presentation by defining food security; quoting the 1996 World Food Summit, as the concept is said to exist “when people, at all times, have physical and economic access to sufficient, safe and nutritious food to meet their dietary needs and food preferences for an active and healthy life.” With this, he stressed the importance of agriculture and rural development in addressing poverty, more specifically in investing small holder farmers.
In his discussion, Fr. Gariguez explained the three tenets of NASSA: Humanitarian, development, and advocacy, along with their attributed projects and activities. Humanitarian efforts of the organization is said to focus on relief & rehabilitation, emergency response and community-managed disaster risk reduction (CMDRR). Meanwhile, development includes sustainable agriculture and rural development, livelihood and poverty alleviation, self-help group (SHeG) – MicroFinance, and Social Enterprise. Lastly, advocacy efforts include justice and peace, ecology and Laudato Si Campaign, land rights and agrarian reform, and good governance and Human Rights.
Focusing on small farmers, farmer communities, food sovereignties, he discussed sustainable agriculture framework and principles. Basically, in the PMP framework on Sustainable agriculture, economic, environmental, and social factors are unified by Food and livelihood security, social organization and promotion of farmers’ rights, and environmental regeneration. Another framework supplementing the discussion was shown; with sustainable agriculture, land rights/agrarian reform, community empowerment, and ecological advocacy/resilience unified by the concept of improving quality of life and achieving a sustainable ecosystem.
Some programs and activities of the organization in line with the frameworks were discussed by Fr. Gariguez: FarmFirst, the Sulong Carper program, Climate Change Mainstreaming in Community Organizing, Natural Resource Management Through Sustainable Agriculture, Disaster Preparedness through CMDRR, Product Development and Creation of Community Enterprise with Social Mission, Building Community Resilience Towards Food Security, amongst all other land installation and ownership, land production, and legal process initiatives of the catholic church serving the farmers, farmer organizations in securing their lands and capacitating them with sustainable agriculture and resiliency to climate change.
Fr. Gariguez also introduced the organization’s published reading materials about FarmFirst for Climate Change and Establishing Community Managed Learning Farms Towards Food Security & Sustainable Agriculture. He stressed that all their programs, activities, and initiatives seek everyone’s participation, contribution, and involvement, regardless of religion or belief.
III. Land Bank of the Philippines Agricultural and Development Lending Center “Capital Opportunities”
Account Officer Edwin Umali of Land Bank of the Philippines (LBP) Agricultural and Development Lending Center- Cavite discussed on the salient features and requirements of the Agricultural Competitiveness Enhancement Fund (ACEF) Lending Program as part of the Capital Opportunities of the LBP. The said program was implemented in compliance with RA 8178 or the Agricultural Tarrification Act, as amended by RA 10848 or the ACEF Extension Act in order to increase the productivity of farmers and fisherfolks, including their cooperatives and associations, micro and small enterprises, through extension of credit assistance.
Apart from the Agricultural Credit Policy Council credit programs, the government also extended loan assistance through ACEF. According to Mr. Umali, ACEF aims to provide necessary credit to farmers and fisherfolk and their cooperatives and associations, and micro and small enterprises to increase their productivity and to establish an agricultural lending program that enhances competitiveness of target project beneficiaries or sectors especially small farmers and fisherfolk. It was emphasized by Mr. Umali that farmers and fisherfolks must be treated with special care and priority assistance. considering that they are the core to LBP’s mandate.
The salient features of ACEF Lending Program was discussed next, more particularly on the eligible borrowers, eligible projects and loan purpose. Eligibility criteria for individual farmer and fisherfolks were mentioned as follows: individual should present a viable project, he/she should not be an existing LBP borrower nor he/should have an outstanding loan from other formal lending institutions for the same project, and he/she should have a marketable surplus of the project or other confirmed sources for repayment. Meanwhile, for micro and small enterprises, the requirements are similar only that each should be duly registered with DTI/SEC and should have no adverse findings nor have an existing landbank borrower. For farmers’ and fisherfolk Coops and Associations, each should be duly registered with CDA/SEC/DOLE-BRW, should be operational for at least 6 months, should have no adverse findings on the borrower nor have an existing landbank borrower, should entail a core management team (i.e. manager, cashier, treasurer or equivalent positions), and lastly, with proven track record.
Loan features, the loanable amount, financing mix, credit facilities, Interest Rate, Loan Tenor/Repayment Term, Application/Pre-termination fees, Credit Investigation/Background Investigation, Pre-release requirement, mode of release, loan restructuring, refinancing, penalty for loan default, security/collaterals were also tackled by Mr. Umali. With each important factor to satisfy for the loan, he explained each and made some clarifications. One of which is, if a particular building is to be made as a security/collateral, the land will be included as well. Also, as per the processing of the loan, provided that all basic requirements were satisfied and accomplished, Mr. Umali assured that applicants in Cavite are given a maximum of five (5) days for the approval of the loan for amounts not exceeding 300, 000 pesos. Sixth day will be the signing and release of the funds through LandBank ATM for utmost convenience. The rest of the applications are given thirty to forty-five (30-45) days for the processing and approval of the loan application.
Documentary requirements and the ACEF loan form were discussed next. For farmers’ and fisherfolk cooperatives and associations, the following must be secured and accomplished for processing of the loan application: loan application form , General Information Sheet, Photocopy of Certificate of Registration (for cooperatives, the cert. of registration from the CDA and for associations, cert of registration from either DOLE-BRW, SEC and other registering agencies), Bio-data of incumbent officers and board of directors with ID, board resolution authorizing the coop/association to borrow and designating authorized signatories, audited financial statement for the last year or latest interim financial statement for start-up companies, business plan/consolidated farm plan and budget, and the current year business permit. Mr. Umali reassured that the applicants shall find the submission of business plan easier than before since LBP already designed a standard form for all applicants that will only involve checking and brief answering of some questions relative to the project to be funded and the application itself. Furthermore, the ACEF loan form has its English and Filipino version, so that farmers and fisherfolks will only wish to accomplish the form with the language they are comprehendible and comfortable with.
Some questions were raised after the discussion. A concern on who shall “inherit” the outstanding loan in the case of accident or death of the main applicant was raised; Mr. Umali explained that the spouse who signed in the loan application of the farmer/fisherfolk applicant is indicated beforehand and therefore understood to be the inheritor of the loan if that in case, happens. Another concern was asked on what will the borrower do if he/she is gravely affected by an unexpected disaster/epidemic such as the onslaught of African Swine Fever (ASF). Mr. Umali advised that the borrower must immediately go to the lending center that handled the lending account and consult with the manager regarding on the feasible options for the situation.
One of the breakout sessions for the 16th National Organic Agriculture Congress (NOAC) focused on policy. Policy breakout session catered to three (3) fruitful discussions:
1. ATIs Organic Agriculture Programs/Projects under New DA Administration and its Status/Updates & ATI-CALABARZON Best Practices by Ms. Mariel Celeste C. Dayanghirang of ATI RFO IV A CALABARZON
2. Program of Sustainable Agriculture in the Communities by Fr. Edu A. Gariguez of CBCP, NASSA Caritas
3. LBP Agricultural and Development Lending Center by Mr. Edwin Umali of LBP Agricultural and Development Lending Center - Cavite