f

A joint project of the

Women's Educsdon, Development, Productivity and ResclU'Cb Organization (WEDPRO), Inc. and CO-OPERAID with Bnll1lcisl Il$SiStllnce from the Swiss Govemment and the SwissLesgue of Catholic Women

FEBRUARY 1998 QUEZON CITY, PHILIPPINES

Acknowledgment

Project Background ------------------------------------------------------ 1

Project Components ----------------------------------------------------- 2

Profile of Beneficiaries and their Microenterprises ----------------- 9

Issues and Concerns: Challenges Ahead ----------------------------- 13

Financial Report ----------------------------------------------------------- 18

Appendix 1 (List of Beneficiaries, Microenterprises

and Amount if Loan) --------------------------------------- 20

Appendix 2 (Photo Documentation of Proiea Activities

and Women's Microentetprises) ------------------------------ 21

FINAL REPORT

The project, ''Establishment of Microenterprises for Marginalized Women if Angeles Ciry, " ended its second year of project implementation on January 31, 1998. Financial support for this phase of the project was provided mainly by CO-OPERAID (formerly Interaid-Schweiz), the Swiss goveinment, and the Swiss League of Catholic Women, The project is being implemented by WEDPRO under its Integrated Socio-Economic Program (ISEP) with the following goals:

~ To promote and support a program for the establishment of rnicroenterprises to accelerate the development and expansion of productive opportunities of marginalized women;

~ To cultivate stronger collaboration alTIong the urban poor through community organizing;

~ To strengthen and enhance the capabilities or marginalized women in the planning and implementation of microenterprises; and

~ To develop systems and conduct training programs that aim to develop women's technical capabilities and functional effectiveness in project development and management.

!. Community Organi'{jng

Community organizing remains to be the bedrock of ISEP. The progratn continues to support, expand and consolidate the women's cooperative that WEDPRO established in 1994 (though formally registered with Cooperative Development Authority in 1996), called Nagkakaisang Kababaiban ngAngeles Ci!y (United Women of Angeles City) or NAGlZA.

NAGI<A is an organization of women who used to work in the entertainment industry, and was organized and supported by WEDPRO from the start of this project. Simultaneously, it made headway in orga111zmg the participant/beneficiaries in three (3) urban poor communities or barangay (smallest political unit) or village, namely, Anunas, Margot and Capaya. The women of these communities have decided to join NAGI<A, and to undertake independent activities that seek to respond to their particular needs. In Barangay Anunas, for example, the women are doing a participatory survey of their community.

This survey includes a study of the demographic characteristics, the incidence of different forms of violence against women, particularly focused on domestic violence, and the reproductive health situation of women in the community. With assistance from the WEDPRO Quezon City office and two (2) graduate volunteers from the University of the Philippines' College of Social Work and Community Development, the women will collect, tabulate and analyze the data from the survey. Hopefully, with the information, the women will be better equipped to address the problems of abuse of women in intimate relationships, and other forms of violence against women 01 A W), in Anunas.

2

2. Non-Formal Education and Skills Training

Spread throughout the year is a series of non-formal education sessions and hands-on skills training. Topics taken up are:

e Trafficking and Prostitution;

e A Situationer on Women;

iil Gender Sensitivity;

iil Women and Development;

e Parenting;

iil Women and Health was given emphasis, with the Women's Health Care Foundation (\VHCF) , Inc. providing training on reproductive health for the women for eight (8) consecutive Fridays.

While the community women are not in prostitution, they are particularly vulnerable to it due to their poverty, the high incidence of physical and sexual abuse in their barangay and the Filipino culture that push women and children to earn 1TIOney for their family in whatever way. It was very revealing during the very well attended session on trafficking and prostitution, to find out that almost everyone has relatives working out of the country in domestic service and entertainment-oriented job.

The sessions on Women Situationer, Gender Sensitivity & Women and Development are eye-openers on the non-enviable position of subordination of Filipino women. They come to the realization that subordination is not a woman's destiny, that women like men are just as entitled to all human righ ts.

Being parents, they enjoyed the session on parenting with

special emphasis on single parenting considering that several mothers are single-handedly carrying on their parental roles

due to separation from their husbands (husbands working abroad or husbands have abandoned their family) or the death of their husband.

3

The graduation day of the fifteen (15) Community Health ~ Workers was a moving experience both for the women as well as WEDPRO and WI-{CF. There was a palpable atmosphere of joy with S01ne women crying, very grateful of the knowledge especially because they are notwell educated .. ., The women presented a short cultural activity and they made known their gratitude to WEDPRO and WI-reF for bringing

them into the project. Their sense of pride within themselves is clearly . mirrored in their faces.

Skills training topics covered are listed below:

)~ Cooking, )c Baking,

x Food processing, and x I-Iandicrafts.

)c A four-day training on project feasibility study preparation and micro enterpris e management was conducted jointly by WEDPRO and the local Rotary Club.

It is worth noting that NAGKA women themselves facilitated these training sessions to effect skills transfer from "old" to "new" members. Admittedly, their skills are very feminine tasks and WEDPRO would have wanted to develop non-traditional skills such __ as carpentry, plumbing, automechanics, etc. which are more high paying. However, this is at the moment the level of tasks to which the women are very comfortable with.

3. Socialized Credit

Forty-two (42) women have availed of loans ranging from P5,000.00 to P 15,000.00 with varying repayment periods of 3 months to 8 months. The bulk of the loans were granted on September 17, 1997. By November 25, 1997 ,five (5) women have fully paid back their loans and were granted bigger loans to expand their businesses. Among the old members of NAGKA, one woman is already on her fourth loan, while four (4) women have been granted loans for the second or third time. R~pqyment rate stands at a high 90%. Understandably, those who are behind their payments are

4

the women engaged in livestock raising. We foresee that they will update their amortization once they are able to sell the hogs. Collection of payments is done by the community organizers every Tuesday and is deposited to a bank within the day. Owing to the distance of the communities from the WEDPRO field office, the collectors go to the women. The former system of collection involves depositing 1noney in locked cash boxes which the women bring to the field office every Monday. Now the community organizers collect the money and take the time to talk to the women to find out how they are doing.

The procedure for loan release is as follows:

1. The proponent submits a simplified project feasibility study and business plan, detailing projected expenses, sales and net .;:1 profit including anticipated problems and how they intend to solve these.

The WEDPRO staff conducts credit investigation to establish credit worthiness of the women and identify two other women willing to be the proponent's co-maker.

The project's Joint Management Committee OMC) composed of three (3) NAGKA officers and WEDPRO field staff sits en bane to decide who will be granted loans, how much, and for how long.

4. The WEDPRO staff prepares the loan documents and checks. Based on the agreement reached with the proponents, the loan is levied the following items:

~ a one-time 1 % service fee,

~ 2% monthly interest, and

d 3% Providential Fund. In the event of payment default, it is agreed that a 5% penalty on the amount due must be added as penalty for late payment.

The latter may be accessed with 1 % monthly interest for three (3) months for emergency purposes, such as illness in the family, educational needs of children and others. The women may withdraw their fund contribution partially or in full at 3% interest per annum. This fund has proven to be

5

the latter may be accessed with 1 % monthly interest for three (3) months for emergency purposes, such as illness in the family, educational needs of children and others. The women may withdraw their fund contribution partially or in full at 3% interest per annum. This fund has proven to" . bebeneficial to the women. Since they are usually unable to borrow from the bank because of the prevailing high interest rates ranging from 26% to

·34% per annum and their lack of collateral, the socialized credit and the Providential Fund provide a helpful source of needed funds. In the past, their usual option was to borrow from "loan sharks" who charge a minimum of 20% interest per month.

WED PRO abides with the micro finance principle of lending small amounts of money for a short period of time, making daily or weekly collections, and making the loans readily available. And this has proven to be wise.

4. Support Services

& Day care services are provided by the project so that the women can fully participate in training and meetings without worrying about their children. One room in the field office has been converted into a daycare room and provided with children's tables and chairs, a blackboard, coloring books, colors and toys. Three (3) women were trained as daycare U workers and they take turns taking care of 10 to 15 children when there is a training activity or a meeting.

& Health care services are provided by the WI-reF through a weekly clinic and laboratory services. Two (2) trained community health workers go on rotation to help in medical history taking, record keeping and taking vital signs of patients. Unfortunately, for Year 3, WHCF will not be able to continue their services in the field, as funding for their project ended in 1997, though parties concerned still thought up of some ways to continue training and occasional

6

medical service tie-ups, despite funding limitations, in recognition of the importance of sustainability and support for community women and their families.

& Peer Counseling: Two WED PRO staff attended a five (5) day training in Feminist Counseling intending to echo their learnings to four (4) others to form a pool of Peer Counselors. This however is still for future engagement as some pre-requisites, other than trainings still have to be addressed. At the moment, the community organizers particularly the one who lives in Margot have their hands full with cases of woman battering and even some incest cases.

As WEDPRO is not a center for abused women, the staff has to be constantly reminded that provision of direct services to the women are still difficult, and has to be approached programmatically, so for now, referrals are what can be offered only. A list of direct providers (medical, legal, shelter, counseling) in Metro Manila and Pampanga both GO's and NGO's has been prepared for a more systematic referral system. The WEDPRO Board of Trustees, together with the Management Committee feels strongly about organizationally addressing and equiping the field office, at least, with competence in handling direct V A W intervention work, as this is inevitably a given in community organizing.

5. Publication ofWomen'J StorieJ and '}-Imv-to-Manua/J"

Four women have graciously shared their life stories to serve as inspiration to other women. As well, they provided a step-by-step procedures on how they started and gave tips on how to keep the

business endeavors (food vending, variety store, rice

trading, sewing) going. As men tioned in Co-

Operaid Year 3 proposal, this publication

will be used to serve as a guide for

those wanting to go in similar businesses.

The hers tory of NAGKA plus description of WED PRO's ISEP are in the illustrated publication. Two thousand copies have been published and will be circulated in Angeles and in Metro Manila.

7

6. Documentation, Monitoring and Evaluation

All project related activities are documented through photographs am:!._ reports. Documentation also includes the following:

RS a monthly detailed report of the staffs community visit, RS collection,

RS training,

£S health clinic, £S networking, J6 advocacy,

16 attendance in personal development activities.

After every training, brief assessments are usually done to discuss the activity: what we did right and what can be improved. A close and regular monitoring of the microenterprise coupled with a thorough credit investigation resulted to a high repayment rate. Of course, we cannot discount the women's innate trustworthiness.

A final evaluation attempted to establish the impact of the project on the lives of I the women. In a workshop followed by a one-an-one

interviews the women put into words what the CO-OPERAID

project ... meant to them. Eighty percent (800/0) specifically men-

tioned • that they gained self confidence through the small

busi- nesses they established which enabled them to put

more food on the family table. Likewise, majority are

begin- rung to realize and affirm their self worth and the

need to assert their rights. Three women pointed particu-

larly to their right not to be battered physically or emo-

tionally and how they succeeded in making their hus-

bands to accept this basic right. All three of them make use

of the name of WEDPRO, wrongly or rightly to jolt their

husbands when they threaten to hurt them.

8

J1DIR~JQ) IFIIILJE o IF JEJENIEIFII CCIIAJPillIE§ ANJD) 1rJHIlElilFl MIT CClFS.cQ) JENlrJEIruFIPlIT§IE§

A total of fifty - two (52) women participated in the various activities conducted (education sessions, skills training,· workshops) while forty-two (42) accessed and were granted

loans (although forty-six (46) actually applied). Of those granted loans,

~ twelve (12) are from Margot, m twenty (20) from Anunas,

~ three (3) from Clarkview,

m three (3) from Sapang Palay , ~ two (2) from Balibago

~ one (1) from Capaya and ~ one (1) from Amsic.

As to their marital status, thirty one (31) are married, two (2) have live-in partners, three (3) are widowed, four (4) are separated, and two (2) are unmarried. The youngest beneficiary is twenty-two (22) years old while the oldest is fifty-five (55). The median age is thirty-four (34) years. Considering that majority are still in their reproductive ages, many have two or three children at the moment. Five became pregnant or gave birth during the project and jokingly refer to their WEDPRO babies. Most of the husbands are either tricycle or jeepney drivers, farmers or handicraft workers. Two husbands are overseas contract workers, one is a mechanical foreman, one is a security guard while another is a vehicle assembler.

The businesses they put up are as follows:
1. Carinderia/Food Vending 13
2. Variety Store 11
3. Handicraft 5
4. Livestock Raising 5
5. Fresh Fish, Meat and Vegetables 3
6. Rice Trading 3
7. Dry Goods Buy and Sell 2
8. Sewing 2
9. Vehicle assembly/motor shop 1
10. Houseware vending 1
11. Tricycle Operation 1 9

What about their net income? One woman claimed a daily net income of Pi 00.00 selling native delicacies. Several mentioned earning an average of P1S0.00 to P200.00 daily. Those selling cooked viands appear to make more money with average income of P400.00 and two making more or less P1,000.00 daily. Those engaged in raising hogs are expecting to sell each hog for P4000.00 for a net profit of P2,SOO.OO per pig. Meanwhile, those into handicrafts average P200.00 to P300.00 daily. Rice trading earns for the women about PSOO.OO a week.

Here are the stories of four (4) women: Raquel, Josephine, Elvisa and Salve.

RAQUEL - is thirty-three (33) years old and a mother to four (4) children aged nine, seven, five and three. Her husband is a Mechanical Foreman and they live in their own house in Margot.

'My business is a sari-sari store 2vhich I started Jvhen I got a P5,OOO.OO loan from WEDPRO. I built a small selling in front of II!} bouse and with the balance of PI,800.00 after the construction I began operating. The

first jew days tuas trial and error - I bought slow moving items until I learned what products lPil1 sell. NOJP, I don't have to bOfTOW monty from my neighbors and there is abvays food on our dining table. My children learned to value the store as our source of livelihood. Even my husband helps minding the store.

'With my little success, my sef-respea has risen. I n/as able to prove that I can earn monty even at home Jvhile taking care of II!} children. I hope to share with other nomen all that I learned especiallY about uomen J' rights. "

10

'My Jvish is for "!y business to grOJv and become a part qf an organization ,vho lvtil teach nomen about basiness and their rights as nomen.

JOSEPHINE - is twenty-four (24) years old with two (2) children aged eight (8) and four(4). Her husband is a handicraft decorator. They live in Anunas.

'1 bottght a tri0'de Jvhich my busband otttfitted as a mobile food counter:

1 cook chicken mami (l'hicken noodle SOttp) in the morning and ttsttalIY bifore 12 noon, 1 have sold everything. 1 now have a regttlar sozaie of income. To our relatiues, 1 was able to show that JPe can live on our otun withottt asking help

from them. I was able to shotu my husband my ability to make decisions and to pttt ttp my own business. Because rf this, I gained self confidence and became emotionallY strong.

Note: Last December, Josephine's youngest boy met an accident when another boy pushed the tricycle. It capsized and poured the boiling noodle soup on the four (4) year old boy. All their savings went into the boy's medical expenses and they were unable to pay the loan. They sold the tricycle for P5,OOO.OO and got a permanent stall where Josephine sell cooked food to handicraft workers. Beginning last week of January, they resumed amortization of their loan.

ELVISA - is a thirty-four (34) year old wife from Anunas. She's married to a laborer and they have two children aged ten and eleven years old.

11

''My present business is selving basket lining. I bought a seJving machine from the proceeds of I7ry loan. 1 gained a lot when] joined the LVED PRO project. First!J!, I stopped : feeling bored at home. SecondlY, I earned I7ry OJvn

income. NOJv I am proud if myse!f. I am able to provide for the basic needs if 17!} children lvithout asking monry from my husband. As for my husband, how I wish I will become successful that I don't have to ask him even a single centavo. I iuan: to stand on 17!} oum without his help.

"If I can make changes in the projea, I will concentrate helping nomen iuho are badlY in need if help - those Jvho are among the poorest if the poor. I wish I can have a business which I can use to help other housewives earn their mun income. With God's blessing I hope someday this 1vill come true. "

SALT/E - is thirty-one (31) years old and pregnant with her sixth child. She met her husband 13 years ago while working in a bar as a laundrywoman. He was the bar's security guard. Salve is a battered wife. Salve regularly attends all education sessions and training bringing along her three youngest children. When the JMC met to discuss about her loan, they were put in a dilemna. The credit investigation revealed that she is a poor credit risk and no one was willing to be her loan co-maker. The JMC decided to give her a loan of P2,OOO.OO which may be considered a grant if she is unable to pay.

'7 borrowed from WEDPRO P2,OOO.OO to start a poultry. U nfortunate!J! we uere ejected from our house thus I have not started. Since Ijoined IJ7EDPRO activities, I have gained more strength to fight my husband }vho constantfy batters me. Things have not changed much. ~f7e are still jinanc:ia!fy hard up. My husband and I quarrel and make up. My seff-image has somewhat improved. I

knOJv that it is not nght for my husband to beat me, but uba: can I do? I u/ant to leave him and go back to the province if 11!} parents. I }vis/J my business will pick up and that I can help other nomen in similar situation as I am."

12

ON PROJECT PARTICIPANTS

Organizing women in prostitution remains to be WEDPRO's primary advocacy. As specified in the proposal we continued and will continue our partnership with NAGI<A. By the end of year 1 of the project, NAGI<A had eighteen (18) members where one-half were bar women and another half were poor women. When NAGI<A registered as a Multi-purpose Cooperative in June 1996, we thought that they were on their way to autonomy and independence. We know that they still need to be skilled on leadership and organizational management but we believed that expansion and recruitment of membership can be left to their own initiative. However, this is not what happened.' Membership had dwindled to half and no new members particularly among the bar women had been recruited. Five women left Angeles City while three became inactive when their businesses folded up. One was prohibited by her husband from continuing her membership.

NAGI<A women sincerely talk about how valuable the project had been for them in terms of consciousness raising on women's issues, skills training, low interest loans and support services. As well, they recognize the importance of bringing in other women to avail of the same benefits and to share their experiences with. Yet we sense a reluctance to recruit other bar women. Can it be that the women wanted to "forget" their bitter experiences and therefore would not want to have more bar women in NAGKA to remind them of things they would rather not remember? If this is so, WEDPRO needs to still process their feelings about the past to make them realize that they do not have to feel guilty and that it was not their fault they ended up in prostitution.

For year 2, the participants are urban poor women whose communities were chosen for its vulnerability to prostitution. WEDPRO did not make it a requirement for the new project participants to join NAGI<A as we thought that it is a decision that they themselves must make, While early in the project they contemplated forming their own community-based

13

organizations, towards November, participants from Anunas, Margot and Capaya decided to join NAGKA. It was agreed that considering their physical distance from the residence of old NAGKA members, if they SQ . decide to have independent community-based activities, they are free to do so. Meanwhile, with the infusion of new members, NAGKA made modest business plans. To raise funds for the organization, they are holding a raffle. Besides their one-year old rice trading business, they plan to acquire a pay telephone and a photocopier as additional business.

This February, Nagka was informed that it will be able to access Pl00,OOO.OO from the Gender and Development Fund of Angeles City. Based on their experience especially in the ]MC, they decided to go into the relending business. They plan to lend money to Nagka women who want to expand their business. Nagka will hold its office in WED PRO and the latter will continue to assist NAGKA especially in education and organizing.

LATE BREAKING NEWS ABOUT NAGKA

ON WOMEN'S MICROENTERPRISES

Unlike in Year 1 where there were only three (3) types of Microen terprises (food vending, food processing and handicrafts), in Year 2 there were more variety. Food being a basic necessity, selling of native delicacies, cooked viands and snacks, rice, fresh fish, meat, vegetables and canned goods, topped the list of successful business ventures. One staff will attend this corning March a twelve-day Workshop of Tools and Techniques for Microenterprise Practitioners. With her learnings, she intends to be of better assistance to the women in identifying business opportuni ties and in micro enterprise manage men t.

ON SOCIALIZED CREDIT

Out of the P400,OOO.OO loaned out, over Pl00,OOO.OO had been repaid and five women have accessed tills to expand their business. The high

14

repayment rate prove the wisdom of the principle of lending in small amounts with short repayment period, weekly collection and making credit readily available. This way, if a woman is unable to pay, only a small amount is lost. Too, we required two co-makers who promised to pay the loan in the event the proponent failed to do so .. Considering that the comakers are their friends who are just in need of money as they do, puts some pressure on the women not to default.

JMC has also decided to give small grants to needy women who may not be creditworthy but have attended most of the education session and trainings. For 1998, we will earmark 5% of the socialized credit for this purpose.

ON COLLECTION

With the Community Organizers doubling as collectors, we maximized their presence in the communities. However, since lending is continuous, we foresee more women accessing this socialized credit, thus collection will take more of the Community Organizers' time. In this event, we will appoint two NAGKA women to be collectors. This will give two women some income and also capacitate them in matters of handling money. For purposes of control, the collectors will remit their collection within the same day to the Field Office, for deposit to the bank.

ON EDUCATION SESSIONS AND TRAINING

So as not to overburden the women, we scheduled a maximum of two learning activities a month. We were happy to find out that the women looked forward to going to the Field Office for their education sessions and skills training. In fact, the women from Anunas and Margot hire a jeepney driven by the husband of one of them, so they can go together. For many, it was a novelty to learn that they have the right to say no to having sex with their husbands if they don't want to. And that women's rights are human rights they have to assert and fight for.

15

I

ON SUPPORT SERVICES

~ Day / Child Care Services

With trained day care workers and

a day-care room all to themselves, the children play and learn while their mothers attend trainings or meetings. WEDPRO will acquire a television and a video recorder for their educational and entertainment value. This service however needs to be upgraded and systematized for greater efficiency.

~ Health Services

Women's Health Care Foundation ended its clinic and laboratory services in December 1997. They however committed to give continuing education for the Community Health Workers and occassional outreach clinics to the women's communities. The Community Health Workers can be further trained so that they can more effectively assist patients in their barangays for simple illnesses without having to bring them to a clinic. WED PRO intends to network with a local medical university for one or two interns to practice in the WEDPRO clinic once a week.

m Counseling

As mentioned earlier, violence against women 01 A W) is a big issue among the women and that WEDPRO is seriously looking into approaching this problem more programmatically. The matter of security of the battered and abused women and children and of the staff is a primary concern. Also, debriefing of counselors must be provided for. Still we believe that YAW is a C01ll1llUIUty problem that must be addressed by the community itself. W01nen and men must be organized to respond to this scourge.

16

As we close this chapter of the joint WEDPROCOOPERAID project, we are bouyed by the women's successes however modest. Not only did the women proved themselves to be capable business persons, more importantly they came out committed women conscious of their human rights. We begin year 3 with the learnings from Years 1 and 2 and because of these lessons, we are more confident that in 1998, the new batch of participants will surpass the accomplishments of the previous years.

17

July 1997-January 1998

DUDGETITEM

ACTUAL COST

I. PERSONNEL Salaries including 13110 month pay Benefits

P200,000.00 15,642.08

II. TIWNING EXPENSES Honoraria of Resource Persons Food

Supplies and Materials Transportation Documentation Evaluation Workshop

35,000.00 39,175.00 31,374.25 24,325.55

9,683.75 7,958.60

Ill. PUBLICATION OF WOMEN'S STORIES AND HOW-TO-MANUALS

60,000.00

IV. SOCIALIZED CREDIT

325,000.00

V. ADMINISTRATION Rental

Utilities

Supplies

T rans portation Communications

44,100.00 10,496.50 6,588.00 28,950.00 7,851.30

TOTAL

P846,145.03

Funds Received by April 14,1997

$35,200.54 X P26.35 P927,534.22 $8,762.00 X P27.85 P244,021.70

Final Tranche Received July 20, 1997

TOTAL GRANT RECEIVED FROM COOPERAID

Pl,171.555.92

Total Disbursement as of June. 1997

P336,550.00

Total Disbursement forJuly 1997-JrulUary.1998

P846,.145.03

FUND BALANCE (Deficit) as of january, 1998

(Pll,139.11)

18

NOTES TO FINANCIAL REPORT

1. The Philippine Peso depreciated against US Dollars; exchange rate at the time of submission of Proposal was $1.00: P26.00.

2. The project officially ended December 31,1997 but actrviucs particularly community organizing and collection are continuous thus staffs salaries up to January 1998 were duly paid.

3. There was substantial savings for the publications since instead of paying the services of a writer/researcher, we opted for the community organizers to interview the women. The women were given tokens of appreciation for the sharing of their stories and experiences.

4. Administrative expenses for utilities, communication, supplies and transportation have gone up and these were charged to the contingency fund. Expenses for transportation doubled since the collectors have to do the rounds instead of the women corning to the office to pay.

5. Deficit amounting to P11, 139.11 was added to WEDPRO's counterpart.

19

i 1

I

APPENDIXl:

LIST OF BENEFICIARIES, MICROENTERPRISES AND AMOUNT OF LOAN

1. Purifieaeion Gilbore Food Vending P1s,00O.00
2. Nenita Cionelo Food Vending 15,000.00
;3. Haide Rubia Food Vending 15,000.00
4. AvelitaGonzales Handicrafts 15,000.00
5. Erlinda Lampera Food Vending 15,000.00
6. Corazon Esguerra Handicrafts 5,000.00
7. Perlita Sicat Sewing/Tricycle Operator 15,000.00
8. Milagros David Food Vending 15,000.00
9. Norma Lopez Sewing/Food Vending 5,000.00
10. Clarita Dizon Piggery 5,000.00
11. Mylene Mercado Variety Store 5,000.00
12. Raquel Quilla Variety Store 5,000.00
13. jean Calinao Variety Store 5,000.00
14. Areelia Garcia Variety Store/Rice and Feeds 15,000.00
15. Rolita Duhan Variety Store 10,000.00
16. Zenaida Flores Handicrafts 10,000.00
17. Evelyn Pangilinan Fresh fish, meat and vegetables 10,000.00
18. Laila Ocampo Variety Store 10,000.00
19. Rosita Espeleta Variety Store 10,000.00
20. Divina de Guzman Fresh fish and meat 10,000.00
21. Gina Zurita Food Vending/Variety Store 10,000.00
22. Rebecca Yandan Vehicle Assembly 15,000.00
23. Eliza Flores Food Vending 10,000.00
24. Beverly Somera Variety Store/Meat,fish and veg. 15,000.00
25. Carolina Frias Houseware vending 15,000.00
26. Josephine Soriano Mobile Food Vending 8,000.00
27. Primitiva Yanga Food Vending 8,000.00
28. Mariquita Pangilinan Food Vending 10,000.00
29. Mila Gamboa Variety Store/Food Vending 15,000.00
30. Sinia Paras Dry Goods 5,000.00
31. Carmelita dela CLUZ Variety Store 5,000.00
32. Marife Dolindo Food vending 7,000.00
33. Nilda Vi bar Rice Trading 5,000.00
34. Arlene Banzon Food Vending 7,000.00
35. Letty Pacana Dry Goods 10,000.00
36. Myrna Gomez Rice Trading 8,000.00
37. Rebecca Cabrera Piggery 10,000.00
38. Elvisa Soriano Handicrafts 8,000.00
39. Analiza Soriano Variety Store 7,000.00
40. Salve Marjes Poultry 2,000.00
41. Catalina DangcuJis Piggery 5,000.00
42. Nilda Laurilla Handicrafts /P iggeLJ 5,000.00 20

APPENDIX 2:

21