BSP clarifies regulations for cooperative banks
THE BANGKO Sentral ng Pilipinas (BSP) has issued clarificatory
guidelines for cooperative banks' loans, capitalization and governance
requirements.
Memorandum No. 007-2013, dated Feb. 22, was released yesterday,
detailing the discussions between the BSP and the Cooperative Banks
Federation of the Philippines last march.
"They requested clarification for avoidance of doubt and facilitate
explanation to the cooperative members," BSP Deputy Governor Nestor A.
Espenilla, Jr. said in a text message.
Cooperative banks are covered by regulations on loans to directors,
officers, stockholders and related interests (DOSRI), the BSP said.
According to existing regulations, loans extended by cooperative banks
to their primary stockholders will be considered DOSRI loans, and are
therefore subject to prudential regulations.
Thus, the loans should not be set upon terms that are less favorable to
the bank compared to those offered to other clients. They must also
follow general guidelines in the granting, processing and reporting of
loans to the central bank.
Loans to primary stockholders, though, are exempted from the individual
ceiling on DOSRI loans, as prescribed in the Manual of Regulations for
Banks. The cap is equivalent to the DOSRI's deposit plus the book value
of his or her paid-in capital contribution to the cooperative bank.
Loans to primary shareholders, meanwhile, are not considered DOSRI loans
unless their individual members are also directors or officers of the
cooperative bank.
Loans to primary stockholders must be secured, otherwise, these will be
deducted from Tier 1 capital.
On capitalization, the BSP said that deposit for stock subscriptions
(DSS) will be considered as Tier 1 or core capital.
However, the DSS must meet the definition of an equity instrument: not
interest-bearing or withdrawable by the subscriber. It must also be
issued only when the cooperative bank's authorized capital is already
fully-subscribed, and the banks' stockholders and directors have
approved the increase in capitalization.
The BSP must likewise have been notified of the increase in
capitalization, and the Monetary Board must have approved any
transactions involving the ownership of voting shares of stock.
Cooperative banks are prohibited from using loan proceeds for capital
build-up. They can deduct from loans only if the borrower consents to
it, and the bank can support it with reliable data and record-keeping.
Moreover, the BSP stressed that cooperative banks, like all other banks,
must have the required number of independent directors, as stated in
Circular No. 749 issued last February.
"At least 20% but not less than two of the members of the board should
be independent directors," it reiterated.
An independent director may be nominated by a cooperative, it added, as
long as this cooperative does not have "substantial shareholdings," or
have enough shares to elect a seat on the board, or have at least 10% of
the bank's equity.
Lastly, corporate governance and audit committees are required at the
level of the board of directors, the BSP said.
"The corporate governance committee that banks, including cooperative
banks, are required to constitute is tasked to evaluate the
qualifications of persons nominated to be bank directors..." it explained.
Election committees, on the other hand, are not required, although the
BSP does not object to their creation.
Information technology (IT) officers also aren't a requirement if
cooperative banks have "very basic or no" IT system.
Based on BSP data, cooperative banks had P13.039 billion in outstanding
loans as of the first quarter of 2012. A third of this was in community,
social and personal services, and another third in agriculture, hunting
and forestry. Other major items included wholesale and retail trade,
repair of motor vehicles, personal and household goods, real estate and
renting, and health and social work. -- Diane Claire J. Jiao
- See more at:
http://www.bworldonline.com/content.php?section=Finance&title=BSP-clarifies-regulations-for-cooperative-banks&id=66376#sthash.GaHuE7DT.dpuf
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
Wednesday, February 27, 2013
Wednesday, February 6, 2013
Philippines a 'rising tiger' - World Bank
Philippines a 'rising tiger' - World Bank
BY CAI ORDINARIO
POSTED ON 02/05/2013 6:19 PM | UPDATED 02/05/2013 8:15 PM
MANILA, Philippines - Macroeconomic stability, and transparency and
accountability reforms in the Philippines have allowed the country to
catch up with its peers in the region, World Bank Philippines Country
Director Motoo Konishi said Tuesday, February 5.
"The Philippines is no longer the sick man of Asia, but the rising
tiger," Konishi told reporters in a briefing.
"The Philippine economy is going strong despite the global uncertainty,"
he added.
The Philippines grew 6.6% in 2012, besting even its closest rival,
Indonesia, which posted a 6.2% growth.
Jobs, infra spending
Konishi said this is an "opportune time" to implement other reforms that
would ensure the country is treading the path to inclusive growth.
He said inclusive growth means decent jobs and poverty reduction. To
achieve this, he said the country needs to place greater emphasis on
job-creating sectors such as agriculture and tourism.
Honing the two sectors will entail the passage of several laws such as
those on national land use, competition, and cabotage, which refers to
the carriage of cargo between two points within a country by a vessel or
vehicle registered in another country.
These measures must go hand in hand with better infrastructure spending.
Konishi said that the country has not yet increased its infrastructure
to gross domestic product (GDP) ratio to the recommended 5%. Currently,
the country spends 2.6% of GDP on infrastructure such as roads,
transport, power and irrigation.
Konishi also said the government must increase social services spending,
particularly for disadvantaged groups such as out-of-school youths,
indigenous peoples, and people with disabilities.
He earlier said that the Philippines needs to create 14.6 million jobs
from now until 2016 to absorb the country's labor force. Konishi said
the job opportunities locally as well as abroad are not enough to
accommodate all the Filipinos looking for better jobs.
"This is the most opportune time to speed up reforms for achieving
inclusive growth or growth that creates more decent jobs and reduces
poverty," Konishi said.
Aid
Finance Secretary Cesar Purisima said donors have been given a better
view of what the Philippines still needs to meet its growth and
development potentials.
Mindanao, for one, is expected to get more Official Development
Assistance (ODA) from donors. The Philippines' poorest region is
expected to get more aid for road networks that connect farms and ports,
courtesy of the Japan International Cooperation Agency.
The government also said the USAID is focused on helping solve the
energy problem in the region while the United Nations and European Union
have expressed their willingness to help displaced communities due to
recent calamities that hit Mindanao.
For the social sectors, Department of Social Welfare and Development
(DSWD) Secretary Corazon Soliman said the government is helping 321,000
families transition to self-sufficiency after graduating from the
Conditional Cash Transfer program.
Soliman added that the DSWD is working with the Department of Labor and
Employment to remove some two million children out of child labor.
The agency, she added, is working with the Technical Education and
Skills Development Authority to train some 900,000 out-of-school youths
to gain training in vocational courses such as welding and cosmetology.
She also said the DSWD and the National Economic and Development
Authority are in the process of crunching poverty data. The two agencies
expect the results of the Family Income and Expenditure Survey conducted
in 2012 to be released in the first quarter of 2013. - Rappler.com
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
BY CAI ORDINARIO
POSTED ON 02/05/2013 6:19 PM | UPDATED 02/05/2013 8:15 PM
MANILA, Philippines - Macroeconomic stability, and transparency and
accountability reforms in the Philippines have allowed the country to
catch up with its peers in the region, World Bank Philippines Country
Director Motoo Konishi said Tuesday, February 5.
"The Philippines is no longer the sick man of Asia, but the rising
tiger," Konishi told reporters in a briefing.
"The Philippine economy is going strong despite the global uncertainty,"
he added.
The Philippines grew 6.6% in 2012, besting even its closest rival,
Indonesia, which posted a 6.2% growth.
Jobs, infra spending
Konishi said this is an "opportune time" to implement other reforms that
would ensure the country is treading the path to inclusive growth.
He said inclusive growth means decent jobs and poverty reduction. To
achieve this, he said the country needs to place greater emphasis on
job-creating sectors such as agriculture and tourism.
Honing the two sectors will entail the passage of several laws such as
those on national land use, competition, and cabotage, which refers to
the carriage of cargo between two points within a country by a vessel or
vehicle registered in another country.
These measures must go hand in hand with better infrastructure spending.
Konishi said that the country has not yet increased its infrastructure
to gross domestic product (GDP) ratio to the recommended 5%. Currently,
the country spends 2.6% of GDP on infrastructure such as roads,
transport, power and irrigation.
Konishi also said the government must increase social services spending,
particularly for disadvantaged groups such as out-of-school youths,
indigenous peoples, and people with disabilities.
He earlier said that the Philippines needs to create 14.6 million jobs
from now until 2016 to absorb the country's labor force. Konishi said
the job opportunities locally as well as abroad are not enough to
accommodate all the Filipinos looking for better jobs.
"This is the most opportune time to speed up reforms for achieving
inclusive growth or growth that creates more decent jobs and reduces
poverty," Konishi said.
Aid
Finance Secretary Cesar Purisima said donors have been given a better
view of what the Philippines still needs to meet its growth and
development potentials.
Mindanao, for one, is expected to get more Official Development
Assistance (ODA) from donors. The Philippines' poorest region is
expected to get more aid for road networks that connect farms and ports,
courtesy of the Japan International Cooperation Agency.
The government also said the USAID is focused on helping solve the
energy problem in the region while the United Nations and European Union
have expressed their willingness to help displaced communities due to
recent calamities that hit Mindanao.
For the social sectors, Department of Social Welfare and Development
(DSWD) Secretary Corazon Soliman said the government is helping 321,000
families transition to self-sufficiency after graduating from the
Conditional Cash Transfer program.
Soliman added that the DSWD is working with the Department of Labor and
Employment to remove some two million children out of child labor.
The agency, she added, is working with the Technical Education and
Skills Development Authority to train some 900,000 out-of-school youths
to gain training in vocational courses such as welding and cosmetology.
She also said the DSWD and the National Economic and Development
Authority are in the process of crunching poverty data. The two agencies
expect the results of the Family Income and Expenditure Survey conducted
in 2012 to be released in the first quarter of 2013. - Rappler.com
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
Financial Expertise Of Filipinos Improving, Latest Survey Of Citibank Reveals
Fin'l Expertise Of Filipinos Improving, Latest Survey Of Citibank Reveals
By Lee C. Chipongian
February 4, 2013, 5:25pm
Financial awareness as translated through savings, budgeting and
retirement plans are more intrinsically woven into the daily lives of
the average Filipino as finances and job security improves.
In its latest survey on the financial quotient or "Fin-Q" of local
consumers, Citibank Philippines said that for the second year in a row,
the tally of financially-driven and "money-wise" Filipinos remain on the
high side and further noted record-high scores on budgeting, insurance
and retirement plans.
Sustaining last year's high mark, Filipino consumers scored a high of 53
out of 100 in the survey.
"The improved score was driven by increased awareness among respondents
of the importance of planning personal finances, ownership of several
financial products such as investments and insurance, and a general
optimism on their financial future," according to the American bank
Citibank, considered the largest foreign bank in the Philippines. "More
and more Filipinos now understand the value of budgeting and planning
for their retirement, and claim building their savings has become a
personal priority."
Based on the latest survey results, 9 out 10 Filipinos are budgeting,
planning and working around getting retirement plans as part of their
long-term financial future and security.
"They create a budget on a monthly basis, and 65 percent acknowledged
the importance of sticking to their budget," said Citibank.
"In preparing for their future," the bank concluded, "Filipinos seem to
be right on track as well. In fact, it was a record year in terms of
their confidence in their insurance coverage, with nearly 8 out of 10
saying they own insurance products or enjoy income protection."
The survey noted especially that as far as preparing for a retirement
plan, 63 percent of respondents said they are on track with their
financial condition as far as savings are concerned.
"As they prepare for retirement, a total of 63% said they are on track
with their retirement savings or had already started to set aside some
savings for it.
The online survey, which started in 2007, covered the bank's account
holders and credit card holders. It included 80 basic questions on
financial habits and know-how and a scoring of 11 different questions
with 100 as being the maximum possible score.
The latest survey data was conducted in 2012 and culled 3,500 online
respondents located in seven countries including the Philippines.
Citibank said about 500 interviews were conducted in Australia, India,
Indonesia, Korea, Singapore and Taiwan.
According to Citibank Country Officer Sanjiv Vohra, "when consumers are
engaged in discussions on saving, budgeting and investing, it raises
awareness on the importance of being able to make smart financial
decisions for their future."
As for the region-wide survey, Citibank said that consumers across Asia
Pacific generally have scoring of above the 50-point market or an
average of 53.2 points.
About 67 percent of those surveyed show optimism in their financial
futures while 44 percent have started to build up their savings. A
higher number of 63 percent are aware of their need to secure retirement
plans while 57 percent already have insurance policies.
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
By Lee C. Chipongian
February 4, 2013, 5:25pm
Financial awareness as translated through savings, budgeting and
retirement plans are more intrinsically woven into the daily lives of
the average Filipino as finances and job security improves.
In its latest survey on the financial quotient or "Fin-Q" of local
consumers, Citibank Philippines said that for the second year in a row,
the tally of financially-driven and "money-wise" Filipinos remain on the
high side and further noted record-high scores on budgeting, insurance
and retirement plans.
Sustaining last year's high mark, Filipino consumers scored a high of 53
out of 100 in the survey.
"The improved score was driven by increased awareness among respondents
of the importance of planning personal finances, ownership of several
financial products such as investments and insurance, and a general
optimism on their financial future," according to the American bank
Citibank, considered the largest foreign bank in the Philippines. "More
and more Filipinos now understand the value of budgeting and planning
for their retirement, and claim building their savings has become a
personal priority."
Based on the latest survey results, 9 out 10 Filipinos are budgeting,
planning and working around getting retirement plans as part of their
long-term financial future and security.
"They create a budget on a monthly basis, and 65 percent acknowledged
the importance of sticking to their budget," said Citibank.
"In preparing for their future," the bank concluded, "Filipinos seem to
be right on track as well. In fact, it was a record year in terms of
their confidence in their insurance coverage, with nearly 8 out of 10
saying they own insurance products or enjoy income protection."
The survey noted especially that as far as preparing for a retirement
plan, 63 percent of respondents said they are on track with their
financial condition as far as savings are concerned.
"As they prepare for retirement, a total of 63% said they are on track
with their retirement savings or had already started to set aside some
savings for it.
The online survey, which started in 2007, covered the bank's account
holders and credit card holders. It included 80 basic questions on
financial habits and know-how and a scoring of 11 different questions
with 100 as being the maximum possible score.
The latest survey data was conducted in 2012 and culled 3,500 online
respondents located in seven countries including the Philippines.
Citibank said about 500 interviews were conducted in Australia, India,
Indonesia, Korea, Singapore and Taiwan.
According to Citibank Country Officer Sanjiv Vohra, "when consumers are
engaged in discussions on saving, budgeting and investing, it raises
awareness on the importance of being able to make smart financial
decisions for their future."
As for the region-wide survey, Citibank said that consumers across Asia
Pacific generally have scoring of above the 50-point market or an
average of 53.2 points.
About 67 percent of those surveyed show optimism in their financial
futures while 44 percent have started to build up their savings. A
higher number of 63 percent are aware of their need to secure retirement
plans while 57 percent already have insurance policies.
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
Saturday, February 2, 2013
Employers to pay entire SSS premiums for helpers earning less than P5,000
Employers to pay entire SSS premiums for help earning less than P5,000
By Ronnel W. Domingo
Philippine Daily Inquirer
6:31 pm | Saturday, February 2nd, 2013
MANILA, Philippines—Employers who engage household helpers at less than
P5,000 a month should now shoulder fully their kasambahay's
contributions to the Social Security System.
Emilio S. de Quiros Jr., SSS president and chief executive, said in a
statement that the pension fund will soon issue new rules on employers'
responsibilities relating maids, family drivers, yayas, gardeners,
cooks, and laundry women.
The signing into law last Jan. 18 of Republic Act No. 10361, which lays
down policies for the protection and welfare of domestic workers,
prompts the issuance of the new SSS guidelines.
"As early as September 1993, the SSS had already made the registration
and coverage of househelpers mandatory," De Quiros said.
SSS data show that 95,860 of its members as of December 2012 were
domestic workers.
As of October last year, househelpers and their employers accounted for
contributions amounting to P189 million or 0.2 percent of total
collections at the time.
Under existing SSS guidelines, employers must register househelpers and
remit to SSS their monthly contributions, which is 10.4 percent of the
gross income. The employer is responsible for 7.07 percent while the
kasambahay covers the 3.33 percent. For example, if the help earns
P5,000 monthly, the monthly contribution is P520, of which the employer
pays P353.50 while the kasambahay pays P166.50
"We have made significant strides in fulfilling that mandate, but this
new Kasambahay Law has more 'teeth' in terms of enforcing compliance and
punishing non-compliance," De Quiros said.
"More importantly, househelpers are given wider social protection
through their mandatory membership and contributions in PhilHealth and
Pag-IBIG, aside from SSS," he added.
Under the new law, househelpers earning less than P5,000 a month are
exempted from paying social security premiums, which the household
employer alone must bear. Help earning more than P5,000 a month will
have to shell out 3.33 percent of the monthly premium with the employer
paying 7.07 percent as specified by the existing guildelines.
De Quiros noted that non-compliance with the provisions of the
Kasamabahay Law carries a fine of P10,000 at least and P40,000 at most.
"This is significantly higher than the current penalty imposed by SSS of
not less than P5,000 and not more than P20,000," the SSS chief said.
"Hopefully, household employers will be further deterred from not
obeying the law."
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
By Ronnel W. Domingo
Philippine Daily Inquirer
6:31 pm | Saturday, February 2nd, 2013
MANILA, Philippines—Employers who engage household helpers at less than
P5,000 a month should now shoulder fully their kasambahay's
contributions to the Social Security System.
Emilio S. de Quiros Jr., SSS president and chief executive, said in a
statement that the pension fund will soon issue new rules on employers'
responsibilities relating maids, family drivers, yayas, gardeners,
cooks, and laundry women.
The signing into law last Jan. 18 of Republic Act No. 10361, which lays
down policies for the protection and welfare of domestic workers,
prompts the issuance of the new SSS guidelines.
"As early as September 1993, the SSS had already made the registration
and coverage of househelpers mandatory," De Quiros said.
SSS data show that 95,860 of its members as of December 2012 were
domestic workers.
As of October last year, househelpers and their employers accounted for
contributions amounting to P189 million or 0.2 percent of total
collections at the time.
Under existing SSS guidelines, employers must register househelpers and
remit to SSS their monthly contributions, which is 10.4 percent of the
gross income. The employer is responsible for 7.07 percent while the
kasambahay covers the 3.33 percent. For example, if the help earns
P5,000 monthly, the monthly contribution is P520, of which the employer
pays P353.50 while the kasambahay pays P166.50
"We have made significant strides in fulfilling that mandate, but this
new Kasambahay Law has more 'teeth' in terms of enforcing compliance and
punishing non-compliance," De Quiros said.
"More importantly, househelpers are given wider social protection
through their mandatory membership and contributions in PhilHealth and
Pag-IBIG, aside from SSS," he added.
Under the new law, househelpers earning less than P5,000 a month are
exempted from paying social security premiums, which the household
employer alone must bear. Help earning more than P5,000 a month will
have to shell out 3.33 percent of the monthly premium with the employer
paying 7.07 percent as specified by the existing guildelines.
De Quiros noted that non-compliance with the provisions of the
Kasamabahay Law carries a fine of P10,000 at least and P40,000 at most.
"This is significantly higher than the current penalty imposed by SSS of
not less than P5,000 and not more than P20,000," the SSS chief said.
"Hopefully, household employers will be further deterred from not
obeying the law."
--
-----------------------------------------------------------
CARLOS ANI - Consultant
Chairman of the Board - SEEDFINANCE Corporation
Mailing address: PO Box 90 UPLB Los Banos Laguna, Philippines 4031
Emails: carlosani@gmail.com , carlosani@seedfinance.net
Landline Phone: +63495010127 (PLDT)
Cellphone Numbers: +63926-2778044 (Globe)
+63908-1737072 (Smart)
My Websites:
CARLOSANI.COM - http://www.carlosani.com
SEEDFINANCE Corporation - http://www.seedfinance.net
DEVJOBS - http://www.devjobsmail.com
PHILDEVFINANCE - http://phildevfinance.posterous.com
http://phildevfinance.blogspot.com
FORWARD PHILIPPINES - http://forwardphilippines.wordpress.com/
My News Clippings - http://www.myclipps.posterous.com
Family website - http://www.anifamily.net
Skype name: carlosaniph
----------------------------------------------------------
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