Letter to Pres. Aquino and Sec. Abaya

Open Letter to His Excellency Benigno Simeon Aquino III, 

President of the Philippines

and Honorable Joseph Emilio Abaya, Secretary

Department of Transportation and Communications

Dear President Aquino and Secretary Abaya:

Between 1989-1990, we began the advocacy for a Philippine safety agency that led to the passage of the Republic Act to create the NTSB - National Transportation Safety Board.

Shown below is the reconstruction of the briefing on the need to operationalize the National Transportation Safety Board. We revised the briefing over and over again. The updating of the voluminous data on accidents over land, to include actuarial and statistical computations of the probabilities of new accidents for extended, extrapolated periods, is not included since it would be too tasking for us and we do not have the resources nor are equipped any longer to undertake the job.

In the past, we were fortunate to be working with a foreign counterpart - the Harris Corporation Florida USA, a conglomerate with over 100 companies under its wings, that allowed us to opportunity to campaign for the privatization of the then Air Transportation Office's ATS (Air Traffic Service) as well as to push for the creation of the Philippines' transport safety agency.

- Original proponents for National Transport Safety Board 1994
Read more from here

Aquino government moro-moro

The zarzuela continues. This supposedly "good-intentioned" Senate Hearing, in aid of Demolition, succeeds as a major public relations campaign of world wide magnitude. As a play, the entire production does not rate even a low D grade. It was too transparent to be stage managed, with Madam Janet Lim Napoles talking to her friend-senators as if they were long-lost friends. She does not even use the respectful address of Your Honor and never leads her statements with Mr. Chairman of the Committee.

Madam Napoles was in the Senate at her best element. She even complained that she must be given her free lunch time.

Led by Senators TG Guingona, a known substance abuser and Peter Alan Cayetano, a man insanely driven by the ambition to rise above the person who fed his young models-loving father from the palm of his hand (called Tanda by Sen. Miriam Santiago, ex Judge and former Cory appointee as well as collector of about a half-million pesos bribe per head now ensconced in Switzerland from the lion's share of undocumented 4 million chinese in the Philippines during the 1986 installed revolutionary regime), the drama goes on attempting to be the best Pitong Komikera-Komikerong Itlog show in this part of the globe.

The lady from Lima was also present, hubnubbing with Sen. Santiago during recess with Sens. Cayetano and Trillanes trading ideas from time to time during the interregnum when the Great Madam money giver to presidents, politicians and bureaucrats and money grubber, in the league of Mr. Zaldy Co and Mr. Edwin Gardiola said Time Out, I Have To Eat Lunch. Missing the action was the real lawyer of Madam, Atty. Fred Villamor, for whom the lady of Lima lawyered for Madam Napoles, being an obedient , willing partner with or without her underwear.

The useless debates centered on the scripted silence of Ms. Napoles and the supposedly honest, "credibility of the truth" statements of Benhur Luy, as well as other Napoles underlings. Even President Benigno Simeon Cojuangco Aquino the 3rd did not bother to listen to any of the burdensome, inane and previously scripted talk flying freely at Senate. The turd had prepared speeches to media about the bagyo - super typhoon Yolanda. The Madam continuously denied everything while Brain dead Miriam Santiago became her tutor in how to deny everything in the most decent, legalistic manner: "I refuse to answer, I invoke my right against self-incrimination."

On occasion, at least once or twice, it was mentioned that the famous NGO (non-government organization) and PO (people's organization) community organizer, Madam Napoles, even used the dead to populate her NGOs and POs. From her probably great gratitude to the dead, she possibly bought beautiful Heritage Park lots for her benefactors - Senators, Presidents, Congresspersons, the President's top men and women, local officials and national budget bigwigs.

A Letter Inviting GeoHazard experts to Manila for a Conference

December 9, 2013

Dear Sir / Madame,

Greetings!

This is to formally invite your attention to our determination to hold the international conference on geohazard mapping and relevant environment issues. Our group decided to launch a campaign in 2009 for sustainable crisis hazards mapping and relevant environmental concerns after returning from Mindanao, Philippines following the end of the effort in ending the highly expensive hotel billeting by Juma’a Abu Sayyap of selected staff members of the International Committee of the Red Cross (ICRC) from Switzerland (Andreas Notter), Italy (Eugenio Vagni) and Philippines (Mary Jane Lacaba).  More  >  >

Reconstruction and Recovery

The World Bank says that timely reconstruction will help lessen the impact of super typhoon Yolanda. Before we digest these words, it is also significant to look back into the past.

There was a time in fairly recent past when NBC news anchor Brian Williams sounded like a broken record repeating the words over and over again that: Aviation in the United States of America is dying. This is now true with Philippine air line companies and selected several other businesses in the Philippines right at this very moment.

During the post-Yolanda period, only at least one air line company that very enterprisingly lowered its passenger rates (presumably including for cargo) per seat-mile, notwithstanding that the Philippine government ordered that a number of fees and charges being levied in the aviation sector will be waived, among other behests in order to lessen the burden for victims of the calamity and those that had to fly to ground zero to participate in disaster relief and recovery operations . . . .

Dire is a weak description for the situation that a select number of businesses in the Philippines are in right now. More > >

Proposed revision of Senate Bill for Bohol-Cebu-Negros Rehabilitation

A proposed bill (text shown below) for the reconstruction and recovery of Bohol-Cebu and Negros Oriental that suffered from enormously damaging, killer earthquakes enjoins the government to create the Bohol-Cebu-Negros Reconstruction Commission and to allocate no less than Philippine Pesos Thirty Billion for this and other purposes.

This site proposes the bill to be revised to include all of Visayas but to take care of affected areas only, particularly those provinces in Eastern, Western and Central Visayas affected also by typhoons.

The proposed budgetary allocation be changed from PHP30-Billion to Philippine Pesos One Hundred Fifty Billion (PHP150-B). The law must also be made retroactive.

Any actions respective to the current response to the damage and other effects of calamities such as what is happening now in Tacloban City where thousands are dead, hundreds of thousands are hungry, there is killing, looting, anarchy in the streets, relief is short, power and communications are down, everything has gone haywire, must be charged to the funds of this Commission.

However, the Philippine Legislative Branch must go to work soon and fast. Any waiting on the wings, any slippages as had been done and now being regretted by the Executive Branch, should be avoided. The concerned are admonished to act now for the welfare of the people.

Resolving an Invisible Crisis

It is not bandied about, but there is a hidden crisis that has been lingering for a long, long time concerning the set policy and general behavior of the Philippine banking community to entrepreneurs in the country.
Right photo: Credit cards. Source: www.theguardian.com

Selective servicing is done by the banking industry, allowing only a meager few to avail of decent credit, while a lot of loose change is happily spread over a wide base by banks through the credit card system. The banks promote their credit cards and special incentives by making the card holder salivate at gifts and rewards to be obtained freely if and when the holder increases purchases.

A large number of law firms and collection agencies all over the country have benefited up to 45% commissions share for recovering long lost debts for credit card companies and banks. 

The question is, when all over the world especially in the US Army, people start shying away from using credit cards because it buries one in serious perpetuating debt burdens, more if you are not scion or heir to the tycoons in Forbes' List, Philippine banks are obsessed with selling that product: the plastic money. 

And 99% of members of the Bankers' Association of the Philippines are racing against each other in selling insurance and pension plans without letting the enterpreneur class to succeed. ( Please see source article here. )

However when it comes to slightly bigger credit, the bank will sit on the application of the borrower and not grant the loan if and when a small justification can be found. If the depositor and borrower is a billionaire or a drug lord, criminal with a sack of money and roomful of funds still waiting to be counted at his hideout, the response is quick and the banker can even cite the Holy Bible at Matthew 13:12: "They who have, therefore they shall be given more."

hmes2013: Will there be more Negros, Bohol Killer Quakes?

Source: http://www.hazmapping.com

From over 40 casualties, the death toll has risen to nearly 100 in the Carmen, Bohol Province-Cebu City earthquake. At that figure, the Carmen-Cebu tremor can qualify as a Killer Quake. Cebu and nearby areas has to be declared to be in a state of calamity. There are limited manuevers that aircraft can make at the Cebu airport due to the cracking and opening up of the airport's runways.

The six million dollar question is: how many more incidents like those in Carmen, Bohol and Cebu City and the other ones in Leyte, Samar will we be expecting?

Were the Philippine Institute of Volcanology and Seismology (Philvolcs) prepared adequately enough with equipment to monitor ground movement, tectonic plate disturbance, the nearly 100 deaths could have been avoided. 27 Billion Philippine Pesos is earmarked for pork barrel in the 2014 General Appropriations Act out of a total expenditure program of 2.26 Trillion Philippine Pesos. Would it be difficult to allocate even half of that pork barrel budget for emergency preparedness, disaster risk reduction, equipment upgrade?

Past Warnings of Big Disaster

This site has been warning the public for more than four years since the time of the former President, Mrs. Gloria Macapagal Arroyo. Due to the total torpedoing of the private sector (Corinthian Gardens, Forbes Park, Dasmarinas Village, the owners of high rise condominiums at the left side of EDSA southbound, among others), of the program for predicting highly lethal effects of a major tremor in Metro Manila and the replication of this effort in many urban areas in the country by the same sector in collusion with some corrupt officials in the government, a large disaster and environmental hazards summit was proposed to be supported by the Philippine Government and the United Nations, among other institutions from many other sectors - including the non-profit (minus the Napoles et al NGOs).

Wanting responses

It is reiterated that in the time of Mrs. Arroyo, only the then Administrator of the Maritime Industry Authority (MARINA), Ms. Elaine Bautista, now Mrs. Horn, had the small effort to make an email message to the proponents of the 2010 Disaster and Environmental Hazards Mapping Summit. And that was only because the United Nations Environment Programm (UNEP)  told the former Ms. Bautista to get in touch with HMES 2010 organizing group. At the time, concurrent to her post in MARINA, Ms. Bautista was considered a friend of UNEP and a significant point person for the Philippine Government in relation to selected UNEP concerns - particularly about emergency and assistance.

When Mr. Benigno Simeon Cojuangco Aquino 3rd became President, the organizing group wrote to Ms. Corazon Juliano Soliman of the Department of Social Welfare and Development and Gen. Voltaire Tuvera Gazmin. Ms. Soliman did not respond. It was noticed however that several days later, Gen. Gazmin, the Secretary of the Department of National Defense gave an interview to national media.

In that interview, when Gazmin was asked about what the people should do when a disaster strikes, he replied: "Run for your lives."

Carrying the barest minimum luggage in their bodies, the poor, helpless people in above photos must have taken advice similar to that of Gen. Voltaire Gazmin's to leave and forget belongings elsewhere and to "run for your lives."

It will appear that the kind of response the government has given is exceedingly wanting in substance. It is hoped however that as a grandfather and parent, Gazmin to no fault of his own was merely showing his personal concern for the safety of the life of the average citizen. He was probably very well-meaning and was admonishing the people not to bring their television sets, beds, furniture, cash safety vaults, washing machines, cabinets, sofa, stoves with their fuel gas tanks, desk-stand-ceiling fans, air conditioners, desktop computers and refrigerators outside of their homes and instead to proceed to a more safe location and be saved in time of major catastrophe.

The head of the Philvolcs, Dr. Renato Solidum absolutely cannot be faulted and is blameless. For decades, had been ready to accept the support for equipment upgrade and modernization. Despite the billions of funds allocated to the departments of the government, the great oversight of perpetually forgetting to take care of the Philvolcs modernization programme has consistently been committed by this government.

Despite the billions lost for the personal enrichment of selected persons in our public sector and their intimate partners in very enterprising undertakings in the private sector, no one has shown keen interest in allowing the Philvolcs to finally get hold of the adequate funding for acquisition of hardware and software that will highly increase its forecasting accuracy and its earthquake trending studies and research on the major faults all over the country. Click here for more.

Sane Growth and Development

Before development happens, the integrity of society must be ensured. This includes government, the people, the various sectors, coming together or undertaking acts showing signs and semblances of convergence or confluence towards a greater goal, fortunately, for the greater good.

In case of the presence of intervening forces such as destabilization, massive corruption and decay of the state's institutions, sometimes swift solutions need to be applied to prevent further deterioration of the politic into regression. During specific events in human history where the basic nature of man was fully put to test, the worst kind of behavior among constituents of the state deplorably brought nations down.

From the Middle East, Africa, the Americas, Europe, Asia and the cold continent vast territories were laid to waste due to the the surge of barbaric behavior among both the leaders and subjects of kingdoms and states. In the Philippines today, or even in the Americas, in Europe and elsewhere, developments like this are taking place. The decline in societal integrity threatens basic survival in the face of worsening conditions in the globe wrought by phenomena such as climate change, the onslaught of the hyper effects of maximized solar flare activity, the planetary behavior in our own Milky Way, among many others.

On many occasions in the past, often external forces were helpful in bringing about the healing of a kingdom or state. But the most poignant stirrings towards treating a nation's ills must start from within.

The people of the Philippines will suddenly come to the realization at one point, that they are going on a downward spiral that will take the entire country past the point of no return. When this happens the basic politic will gradually slide inexorably into anarchy. The hostage taking in Zamboanga City, the succeeding similar sympathetic acts in Cotabato, the breakdown of the peace process with the Moro Islamic Liberation Front, the deterioration of peace and order, the overwhelmingly shocking reports about horrendous overspending for unacceptable purposes, appear to be clear manifestations in the scheme of things and such events will continue to fester and like wounds that grow into serious afflictions. Without doubt, these ills could develop rapidly into irreparable proportions.

At this time, benign foreign intervention may be necessary, or forceful internal interference - as it were - as it appears that the major force steering the country has become fully corrupted enough and totally demonized by its very own doings and undoings to have any more moral ascendancy to lead. There is no alternate but for the prevailing inchoate corporate philosophy of a government gone wayward to be wholly replaced by a saner and more coherent paradigm.

Mr. Aquino at Malacanang and his cabinet has lost their precious moment and bets are off. It is time for change, and in the Philippines' case, an overhauling regime change. The people and the future generations deserve no less than that.

Source: http://shepherdlions.blogspot.com
September 17, 2013

Rationalizing severe business sector corruption

Bangko Sentral ng Pilipinas (Wikipedia photo)

Policy regime change is needed in the business and especially in the finance sector. The old paradigm of the Philippines and selected vassal type states with supplier economies, must be revolutionized. This will depend mostly on the act of the young, emerging, up-and-coming captains of industry.

The history of Philippine finance has been that of subservience and excessive docility towards superior super powers or stronger industrial economies. This cannot be the case any longer. Even with the excursion of individuals or groups like Enrique Razon to foreign frontiers, Ayala and other entrepreneurs - Eduardo Cojuangco Jr., Lucio Tan, Henry Sy, John Gokongwei to foreign enterprise destinations or missionary ports such as New Zealand, Australia, China, Latin America, Papua New Guinea, Vietnam, among many others, much has to be repaired in the Philippines.

Benevolent, jump-starting credit from both the public and the private sector is close to non-existent, breeding unsophisticated but widespread corruption within the private sector; the government is most of all helpless to stem this kind of graft and corruption within the world of Philippine business. The doctrine of trust as the most important item for purchase in the Philippines is extremely prostituted to nauseating proportions. At the end of the day, private enterprise becomes the receiving end of chastisement and censure for entering into haphazardly concocted schemes that bleed the public treasury dry or siphon the blood of the average consumer publics.

While banks deprive the vast majority of the country of credit, the financial sector lends indiscriminately to public sector institutions that simply steal the borrowed funds or connive with private business groups or ghost, or shell non-profit service providers to divert the loans and bank the same in private accounts.

Still, notwithstanding this cruel practice of the financial sector, Big Business engage in blatant theft of intellectual property of both local and foreign IP owners, enriching themselves without regard to any kind of regulation or rule designed to rationalize fair use of property rights.

One of the greatest failures of the state stems from the lack of a strong, collective espousal of concern for one's country. The fundamental blame can be traced to this country's entire educational system that is wholly inadequate in this regard in comparison with more nationalistic, patriotic states like Japan, Taiwan, South Korea, Malaysia, and others. Both the public sector and the business sector work in proverbial synchronicity towards improving the nation state - all in their own niches. Compounding this problem is that the sons and daughters of the captains of industry and political elite usually grow up under the watch and tutelage of more or less illiterate baby sitters (yaya) and imbibe a culture of Mr. Nonoy Marcelo's nincompoopism, similar now to that exhibited by the national leadership.

As a classic example, in a few decades following the Second World War, Taiwan subsidized power, communication-telecommunications, among many other amenities so that business will grow. In the Philippines, both business and public sector will bleed the people dry for the use of these utilities but give way to the elite to be free of hassles in freely using and increasing their consumption of both power wattage and telecom air time.

The country plunged into the mendicancy promoting program of handing out cash to the poorest of the poor. This entailed nearly 3 billion pesos (about US70 million dollars) per year during the time former President Gloria Macapagal Arroyo and ballooned into 21 billion pesos or more (approximately US490 million dollars) at the present, in the incumbency of Mr. Benigno Aquino.

If credit regime policy was revolutionized and this so-called cash transfer program, including the billion peso bribes to legislators and bureaucrats were spent instead for pump-priming national credit, if only the leaders of the country were more patriotically inclined instead of exceedingly greedy, a lot of change would have happened over the last three years.

It will certainly take a mere pittance of the 2014 2.26 Trillion pesos Philippine budget to create islands of growth in the financial credit sector. But if things go on as they are, this is mere wishful thinking but without doubt a situation that could breed bigger problems in the near future. The state of want and deprivation everywhere surely will translate into bigger crimes, fuel terrorist group's recruitment efforts and spur a myriad social issues that will be difficult for any future administration to competently manage.

Then again, the same could have been hoped, if the previous regimes from the post-Marcos era to the present had entered into this kind of paradigm shift. But there appears to be no hope for the country given the kind of nincompoops pretending to run the government or acting like captains of industry in a country they will never consider to be their own love. The best next thing that could happen in the Philippines then, going back to the initial premise that the only redeeming factor are the youth and the conscientious citizens of this land, will be a full-blown, whole system resetting revolution or a self-imposed values reorientation and policy regime shift by the business sector.

Every source of decay dies of its own; however, there is absolutely no crime in removing the root of a disease even before its appointed death. Relatedly, any system can always have bugs. But no system admin would appreciate running the system with the bugs when ridding it of the problem issues will make the thing run smoother, more efficiently and make every affected end user happy.

Source: http://shepherdlions.blogspot.com
September 8, 2013

Yolanda: There is a lesson to all this

What is Roxas really doing

in Tacloban anyway if the

glitches and troubles in attending

to the needs of disaster victims

can't be resolved?

Elders used to say, even in darkness you will find some light, spelling hope and possibly a better future ahead. With the darkness wrought by Yolanda, it cannot be helped that somewhere we will find that light and the signs that all the suffering of the victims will somehow come to a close.

The occasion of doing micromanagement, grandstanding and other similar acts, apparently towards political ends, might ruin instead of prop up the chances of some politicians. This has contributed to making the situation darker in Leyte, other areas that were devastated by Yolanda.

In the case of Senator, now DILG secretary Manuel A. Roxas the 3rd, the desire to show exemplary performance and to do what other acts in Tacloban that he may not be able to perform with partners in Metro Manila, he had to sacrifice not being with the other member of his family, Mrs. Corina Sanchez Roxas and spend his working day as well as nights in Tacloban - or somewhere near that no man's land: His stay in Tacloban irks the people who see him there and does not bode well for his political future. (Photo credit: Inquirer news)

Seat of power and corruption

Malacanang (Wikipedia photo)

By whatever rationalization or justification, the current brouhaha over the PDAF, DAP, Malampaya, the Napoles scam expose, all lead to the role of Malacanang. At this time, the slogan by which the current administration artificially propelled itself into power is already dead.

Source: http://shepherdlions.blogspot.com

October 12, 2013

An Open Letter to Mr. Henry Sy, Forbes List Billionaire

October 31, 2013

Dear Mr. Henry Sy,

The operation of the business conglomerate of SM Shoemart, Banco de Oro, the SM port management and ferry transport company, SM Development Corporation and real estate marketing companies, including the new Grande Belle brand in the gambling and entertainment industry are a showcase for a dynamically growing and evolving business template.

In the whole of Southeast and other parts of Asia where the SM business brand has operated, the group of companies has met only with success. Such success has carved a niche for Mr. Henry Sy in the upper echelon of the small community of billionaires.

In 1983, the Wei Wan Yan food packaging concept was formed and the Credence paper  and other school and office products line brand was born. In the immediate period, the marketing campaign concept for a multi-products line Bonus was accorded copyright ownership by the Philippine Government.

The owner of the brands shall now fully use the Wei wan yan, Credence and Bonus trade names as its own right. It is known  a well known fact that the SM Shoemart group of companies, particularly its merchandising arm, SM Supermart and SM Hypermarket, along with Save More and other allied marketing-retailing companies are using the Bonus trademark.

What propelled the company of Mr. Henry Sy to use the name Bonus that is rightfully owned by others is not known. However, there is a limit to the use of proprietary items like brand names as defined in both the laws of countries and in the Geneva Convention for the protection of intellectual property. In this, it is fitting that the company of Mr. Henry Sy should therefore stop  using the brand Bonus or make amends in the unlawful use of the brand whose copyright belongs to some other party.

The owners of the Bonus brand are prepared to accept a decent and reasonable offer of peaceful and amicable amends from the side of the illegal, unlawful infringers of its intellectual property.

This site can be reached through the email syneticindustries@gmail.com.

By:


The Owners
Bonus brand copyright

New information about the fund scandals

As we predicted on October 3, 2013, new information indeed has surfaced about the fund scandals presently rocking the government and nearly the entire population.

Read the details of the new findings that were revealed recently. It is now time for the people to become one, united against the perils and damages wrought by graft, corruption and their other attendant crimes.

It is admonished now, for change to happen, wake up everyone.

Banking Woes in the Philippines

The article below is from the website of QCFC an advocacy group based in the Philippines for change and reduction of graft and corruption. It is a lament over the lack of sensitivity of the banking sector in the Philippines to the needs of enterprise.

Inevitably, a major revamp, or policy regime change is needed in the banking system in the Philippines as admonished in the site called www.qualitychange.org. There is hardly any more time to waste. The economies of Asia have undergone major upheavals, yet the Philippine economy is still in severe doldrums. The government does not have the political will to spur change, with its penchant for stealing taxpayers' money for personal aggrandizement.

Politicians maximally utilize persons like Ms. Janet Napoles who divert Philippine peso skims to the United States in suitcases without fear of the Anti-Money Laundering laws, Mr. Zaldy Co (who even ran for Congress himself and won), and many other fund fixers later masquerading as filthy rich financiers (outside of the Forbes List) to steal billions of money from the national treasury.

Much of the thievery is done through the pork barrel - discretionary public funds that are hardly accounted and form part of political accommodations, horse trading between the Executive branch and the Legislative, including the Judiciary.

With a public sector motivated by greed and wanton plunder of the national coffers often with the quiet collusion of members of the banking sector, there is absolutely no way for the government to censure and reform the banking industry simply because it has no moral ascendancy at all.

The Philippine President, Mr. Benigno Simeon Cojuangco Aquino 3rd, does not want the pork barrel to be abolished, as evidenced by his own recent statement over national media in defense of the Disbursement Acceleration Program (DAP) that is a creative new name for pork barrel. Mr. Aquino the 3rd is adamant that he announced the DAP two years ago. Therefore, since the 3rd made a public disclosure of this benign, saintly kind of pork barrel, the spending thereof has to really be just and fair but only for all the horrible looking money making ogres concerned, the 3rd not excluded.

There is nothing in this sanitized, beatified, canonized pork barrel for the small entrepreneurs who need money for developmental projects.

Any intervention that must be done to change the way things are being done in the banking system will be initiated by the citizenry as well as well meaning members of the private sector. The issue is not all about simple patriotism, love for country, but the obligation of the creatures sitting in comfortable niches to return to their host country a share of what they have amassed over the years and decades of siphoning the hard earned money of ordinary people in whose names the Philippine bonds and treasury bills are created, among other debentures that average citizens of the Republic are bound to pay for during their maturity.

No banker will not acknowledge this fact, but they close their eyes due to their all-consuming greed and insatiable lust for more and more money, without looking back to where they came from and who are the source of the incomes they derived from their very expert manipulation of currencies, notes, bonds, bills and all the shit in banking.

Philippines: Every average businessman in this country has to go through the eye of a needle to be accommodated by the banks. Businessman Mr. G. Go, actively engaged in small scale financial services for both big and small entrepreneurs says:

"There is an exception. You can always borrow big amounts from banks but you have to have pedigree. If you don't have pedigree forget about borrowing big even from the biggest banks. They won't even look at your loan application. How stupid is that?"

That about translates to this: Bankers look at clients as dogs, cats and cows. Those with pedigree are instantly good clients. and must be given service de luxe and with haste. Those without are immediately considered bad clients and cannot be serviced for big transactions ever.

In Masinag, an officer of RCBC Savings Bank, Ubaldo Sadiarin would go out of his way to offer something to drink to all his visiting customers. Mr. Sadiarin cannot look at his clients as animals, since animals normally don't take coffee, black, with or without sugar or milk. This banker does not only offer coffee, tea or juice. He painstakingly helps you obtain your loan and helps you be able to access the money at the fastest possible time. The fellow must not be the ordinary, brain damaged banker. However, this trait of said banker should not impel his own banking institution to think ill of him. In fact this bank manager should be pirated by the Department of Finance or the Bangko Sentral ng Pilipinas.

Bangko Sentral ng Pilipinas

Except for Maybank Philippines, very few banks through their run-of-the-mill branch managers, mid-level officers and workers will even offer you water, juice or coffee. How much more a big loan?

Among the brainless, idiotic and impractical policies of banks is imposing quota performance on their bank managers. Whereas there is very meager creativeness among many top bank management officials in promoting their respective bank product brands, to attract clientele, this strict policy of quota is ruthlessly rammed upon the throats of the helpless bank managers and all the bank workers below these managers.

This leads to the great inadequacy of the banking system in pump priming of the economy through the promotion of brisk and dynamic exchanges between and among local business as well as with the rest of the world.

Such a noteworthy posture could be done by not limiting the distribution of the bulk of bank investments, credit, to billionaires like Andrew Tan, Henry Sy, Lucio Tan, Jaime Ayala, Eduardo Cojuangco, Eugenio Lopez, Ramon Ang, Washington SyCip, John Gokongwei, or big time criminal thieves like Janet Lim Napoles, Zaldy Co, jueteng collectors Yolanda Ricafort, Tony Santos, notorious drug dealers like the Lim clan of Malabon-Navotas of the Chinese Triad, Li Lan Yan aka Jackson Dy, Li Tan Hua, Hanson Young (ordered killed by his Chinese Godfather Mr. Stephen Hui while in police detention) among many other dregs of society.

Preferred clients therefore are billionaires, criminals, jueteng collectors, drug lords - not necessarily in that order. Certainly, there are Senators, Senate fixers, Congressmen, Batasan complex arrangers, Governors and their Vice, Mayors and Vice, Board Members, Barangay Chairmen and Boards, appointed officials among a few other money grubbing species.

Gallery of favored bank clientele:

Philippine Billionaires

Drugs Money, Jueteng Money from Yolanda Ricafort, Atong Ang,

Charing Magbuhos, and some from drug lords shown below

Drug Lord Li Lan Yan aka Jackson Dy

Drug Lord Li Tan Hua, son of a Chinese General

Most certainly, there is no need to justify the extremely laughable overriding need to meet headquarter's quota for each and every bank branch manager to merely accommodate deposits, loan applications and other bank requirements from big businessmen and criminals alike at the expense of allowing the majority of transactions in the country to proceed with a positive momentum and spur the economy onwards.

The all-consuming greed of bank founder-owners has given birth to the cross-eyed policies constricting the Philippine banking system. This kind of pernicious culture has even pervaded onto the rural banks and thus created misery after misery from the metropolis to the countrysides.

Therefore, instead of promoting business and helping entrepreneurs to shine, the Philippine banking community has an invisible declaration of war against any businessman who registers his or her enterprise - if and when that hapless creature does not have the pedigree of billionaires, drug lords, jueteng lords, big time thieves of government taxes, among many other obnoxious animals. The big question is why the Philippines' Department of Finance, Bangko Sentral ng Pilipinas and the entire economic cluster of the public sector as a whole, would not lift a finger to change this kind of situation.

Whatever functions the Department of Finance assigns to its officers, it is admonished that before the Philippines slides down to the lowest ranking in world economies or the country experiences more and more difficulties with the onslaught of unnatural occurrences like shortages and devastations from disasters like the Boholindol - Cebulindol, gestures with a semblance of bringing reforms to the banking sector should be started as soon as possible.

No self-respecting public sector finance agency in the age of the AMLA should allow this lopsided situation where only billionaires, drug lords, gambling lords and thieves are given preferential treatment. The time for best banking sector practices should be put in place is long overdue. While it is not quaint to say the planet, the entire globe is too unstable for the country to expect to survive the next few hundred years, the worst that could happen without reforming the unfair practice of bankers in the Philippines is for the country to perpetually be a supply economy.

As it is, even our human resource is being supplied all over the world and very few complain.

There is no rice to export, no trees and forests to log over, little trickles of gold to mine with the banks benefiting from all the harvest without giving back good banking service to their host: the people of the Philippines. That includes the entrepreneurs within the population.

The credit cards Metro Bank and foreign credit institution VISA, (e.g. Unionbank Prepaid Visa, BPI Prepaid, PNB Prepaid, PSBank Prepaid, Security Bank Prepaid among many others) promotes credit that is already prepaid before you spend a cent for purchases.

A large number of law firms and collection agencies all over the country have benefited up to 45% commissions share for recovering long lost debts for credit card companies and banks.

The question is, when all over the world especially in the US Army, people start shying away from using credit cards because it buries one in serious perpetuating debt burdens, more if you are not scion or heir to the tycoons in Forbes' List, Philippine banks are obsessed with selling that product: the plastic money.

And 99% of members of the Bankers' Association of the Philippines are racing against each other in selling insurance and pension plans without letting the entrepreneur class to succeed. These locos must have lard as brains.

Why can't the Philippines' bankers offer various products, differing types of credit and pretend their bank managers understand how to use the SWIFT transmission, letters of credit, bank guarantees, term notes, and all other kinds of debentures without concentrating only on the Philippine Government as creditor?

Banks buy and buy treasury bills, government bonds and rediscount the bills and bonds at a fat profit but they cannot lend back with a smile to the people of this country.

The Philippine banking system cannot perpetuate this kind of situation where the only valued customers are the rich, the close friends and relations of bankers, lumped together with the drug lords, public fund thieves (Janet Napoles, Zaldy Co, et al), jueteng lords and other criminals.

This is not a country only of billionaires, millionaires, friends and bankers' close relations as well as the shit, waste and rejects of society such as heinous criminals. This is a country of nearly 100,000,000 Filipinos with millions of enterprising ones engaged in business in both the formal and informal economies of scale.

Colombia and Mexico of the famous illegal drugs, Switzerland, Singapore, Hongkong and the Caymans, among a few other havens of those with money that are mostly dirty and stained with the blood of millions, may be thriving from accommodation of unclean funds but the banking communities in these places do not necessarily just favor the Sys, Tans Ayalas, and their ilk, or their counter parts in the Underworld. They service legitimate businessmen more than the Philippine banking system does and do help their economies to grow, one way or another.

Thus there must be loose screws somewhere in the brains of the owner-founders of our local banks for they cannot foresee a Philippines with a thriving entrepreneur class, vibrant and alive, competing with the rest of the world while offering Filipino-style world class products and services.

As the website www.qualitychange.org declares:

Policy regime change is needed in the business and especially in the finance sector. The old paradigm of the Philippines and selected vassal type states with supplier economies, must be revolutionized. This will depend mostly on the act of the young, emerging, up-and-coming captains of industry.

The history of Philippine finance has been that of subservience and excessive docility towards superior super powers or stronger industrial economies. This cannot be the case any longer. Even with the excursion of individuals or groups like Enrique Razon to foreign frontiers, Ayala and other entrepreneurs - Eduardo Cojuangco Jr., Lucio Tan, Henry Sy, John Gokongwei to foreign enterprise destinations or missionary ports such as New Zealand, Australia, China, Latin America, Papua New Guinea, Vietnam, among many others, much has to be repaired in the Philippines.

Benevolent jump-starting credit from both the public and the private sector is close to non-existent, breeding unsophisticated but widespread corruption within the private sector; the government is most of all helpless to stem this kind of graft and corruption within the world of Philippine business. The doctrine of trust as the most important item for purchase in the Philippines is extremely prostituted to nauseating proportions. At the end of the day, private enterprise becomes the receiving end of chastisement and censure for entering into haphazardly concocted schemes that bleed the public treasury dry or siphon the blood of the average consumer publics.

While banks deprive the vast majority of the country of credit, the financial sector lends indiscriminately to public sector institutions that simply steal the borrowed funds or connive with private business groups or ghost, or shell non-profit service providers to divert the loans and bank the same in private accounts.

The simple equation in this situation ultimately involves government and the people. If small entrepreneurs decide to boycott the entire Philippine banking sector, there will be a small dent on the earnings of the sector. With the interlinked interests of those at the top levels of government and the banking system, the public sector cannot give up easily on its support for the banking industry. But a compassionate government will at least admonish the bankers that a sufficiently acceptable new tack should be taken to uplift the economy much, much higher than its present peak performance.

Something has to give and it has to be soon. The Philippine government must become more responsive to the needs of the entrepreneurs of this country so that revenues coming therefrom will improve. And show a little more compassion to its constituents instead of completely being devoid of it for the sake of mindless smoke belching and skirt chasing.

When the floodgates open sometime soon enough, it will be difficult to stem the tide.

As it is, natural phenomena have wrought untold disasters in this nation of beautiful and hospitable people. Together with man-made disaster, bankers will have no safe place to turn to. Furthermore, no banker can take his money or his safety vault to the grave, unless his resting place in his hole six feet below the ground is spacious enough to accommodate his riches.

Then again, the so-so practical-minded bankers will simply fart and twit the question: So if I'm dead, who cares? I lived a great Life fully as a Banker and I am happy. If I go, I go. That's how it is. Then Mr. and Ms. Banker excretes just a teeny weeny little sweat and a foul sigh, and its over for the worry.

If all Philippine Bankers are like that, do you really have to place your trust therein ever if they treat you like shit and wouldn't change their view towards you unless you joined the league of Forbes Lists and the Underworld?

Related articles:

Assessment of the problems of the Philippine financial sector
Issues and challenges facing the banking sector

Speed up reforms - World Bank tells Philippines

QCFC - Philippine Banking Sector Must Reform

Philippines: Every average businessman in this country has to go through the eye of a needle to be accommodated by the banks. Businessman Mr. G. Go, actively engaged in small scale financial services for both big and small entrepreneurs says:

"There is an exception. You can always borrow big amounts from banks but you have to have pedigree. If you don't have pedigree forget about borrowing big even from the biggest banks. They won't even look at your loan application. How stupid is that?" 

That about translates to this: Bankers look at clients as dogs, cats and cows. Those with pedigree are instantly good clients. and must be given service de luxe and with haste. Those without are immediately considered bad clients and cannot be serviced for big transactions ever. Click here for the rest of this article.

Bangko Sentral ng Pilipinas

Gallery of favored bank clientele:

Philippine Billionaires

Drugs Money, Jueteng Money from Yolanda Ricafort, Atong Ang,

Charing Magbuhos, and some from drug lords shown below

Drug Lord Li Lan Yan aka Jackson Dy

Drug Lord Li Tan Hua, son of a Chinese General

Land Grabbing by Multi Billionaire

BIG GUNS WILL SCARE YOU if you try to get back your land that is grabbed by a the Multi-Billionaire mentioned in the post below.

If you try something stupid, those big guns will be trained on you and you might get shot.

They mean business when they steal your land. They will do everything, including killing you. Its like, I'll take your property but don't mess with me or my bullets will stop you. That pure f___k! Why can't we drive these unscrupulous business microbes away?

The Hideous Face of Corruption

The COA - Chairperson (photo below) of the Commission on Audit's Report on the 10-Billion non-government organization fund scam is dismissed by House of Representatives Speaker as indefensible in Court since it was signed only by a Task Force and not by the COA Commissioners themselves.

Photo Credit: Pastor Eryche Cortez

Image source: Philippine Daily Inquirer

The Honorable Ma. Grace Pulido Tan, Chairperson, Commission on Audit, was extremely moved and broke into tears and called the content of her Report over national media the vernacular equivalent of "horrifying," "monstrous," "diabolic," or "hideous" (kahindik-hindik). For reasons unknown, print media downgrades Hon. Grace Tan's description (kahindik-hindik) into the subtler synonym of "disgusting." ABC Channel 5 Radio anchors, the Tulfo brothers give more ooze and juice when mentioning Hon. Grace Tan's ghoulish remark.

Hon. Grace Tan knows whereof she speaks. Her namesake, the famous accountant R. Pulido, possibly a very close relative, was an imposing figure in the Commission on Audit for many decades and spread his influences and powers generously, that in the period of the late 90s a lot of young persons claimed they were begat by the erstwhile young, charming female persons who became beneficiaries of his COAish auditorial visiting powers. The namesake was not as opulent as Napoles of late, but managed pretty well.

Meanwhile, hovering in the air is the filing of applicable charges vs. 20 persons to include former the former President, Her Excellency Gloria Macapagal Arroyo - GMA, as well as Madam Janet Lim Napoles aka Jenny. At the same time, truly hideous as the Hon. Grace Tan's corruption Report revelations is the dole out of hundreds of millions of dollars (over fifty billion Philippine Pesos) by His Excellency Benigno Simeon Cojuangco Aquino III to the Honorable Members of both the House of Representatives and the Senate of the Philippines. This is in payment of the support for His Excellency, The President, of his firm advocacy of the impeachment of the head of the Philippine Supreme Court, The Honorable Chief Justice Renato C. Corona as well as The Honorable Justice Merceditas Guitierrez, head of the government watchdog agency, The Office of the Ombudsman.

Former Members of the House of Representatives who are intimately identified with His Excellency, The President were also disclosed to be involved in huge money-making schemes that will expose the Philippine Government to the tune of several hundred to billions of dollars (Rail project, Batangas break-water project, tens of other big ticket public sector contracts - both funded or to be financed by loans and private investments under the Build-Operate-Transfer, Build-Operate-Lease and several other similar scheme.)

The biggest surprise for this and the following week is the identification of the actual and real faces behind the Napoles fund scam. Going all out for the filing of cases, the National Bureau of Investigation and the Department of Justice, among other agencies, will be stumped when new information comes to light about the true nature of the campaign to popularize the issue about Napoles' scam, notwithstanding the great breadth and horrendously humongous size of the scam perpetrated by others like Messrs. Zaldy Co and his fellows in ABAKADA Party List and non-profit as well as business corporations and involving huge property ownerships such as the Misibis Bay, Midas Hotel, among others.

Author Ms. Raissa Robles speaks of her strong early perception of the linkage between Napoles and the former Lady President, GMA as well as former presidential spouse, ex-First Gentleman Miguel T. Arroyo. The public deserves to know these things and deserve to be told not just the basic facts but the rationale behind why certain persons treat 70 billion Philippine Pesos as simple spending money, without any scruples as to why these funds are being thrown about like gift candy to greedy demons in superbly tailored jusi, pina and classy bespoke suits.

In the next few days, so much more information will be revealed, most specially in the same volume as the kilometric legal depositions and narratives, legal research about the Napoles multi-level networking scam, necromancy and rabid brown-nosing in the corridors of power. The public will have their share of the reality behind these scams and how it becomes apparent as Hon. Grace P. Tan declared, that indeed there is such a thing as The Extremely Hideous (kahindik-hindik) Face of Corruption.

Announcement

A business organization internet site will publish an open letter, addressed to the top-ranked Asia billionaire owner of a huge retail-banking-real estate-gambling conglomerate with regard to illegal business practices without due regard to the parties that are robbed of the opportunity to profit from their proprietary interests.

This letter will be emailed to various public sector agencies concerned with providing legal remedies and sanctions on individuals and groups committing illegal acts similar to those perpetrated by the retail-banking-real estate-gambling conglomerate in the Philippines.

Transforming Perspective in Philippine Elections

The perspective in Philippine elections could be transformed into a more efficient, fraud and corruption-free system.

This is espoused by the private sector as shown below:

The Government of the Philippines' Commission on Elections and its allied government agencies can do well to modernize the whole gamut of equipment and software now existing and in use within the Commission.

In April 2013, private sector group encouraged the head of that agency to upgrade the Comelec system to the state-of-the-art and the best communications technology.

Considering the dynamics of government approval of unsolicited proposals, it may either take a long process before the public sector responds to the proposal, but it is also possible that government may not mind encouragements such as this at all. See more of this article here.

It is envisioned that if not under this administration, a similar system shall emerge through the political will of the succeeding administrations.