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Appendices

Appendices

Appendix 1

WORK PLAN

OBJECTIVE/ACTIVITY

LINKAGE

PLACE

TIMETABLE

EXPECTED OUTPUTS

1. To identify IGPs and prepare project feasibility studies

        

1.1 Resource/technology/capability assessment

Acs

Longos Amangonan

June 7

Project Proposals

   

Nibaliw

- do -

  

1.2 Project identification

WGs

Masidem

June 14

  

1.3 Project planning workshops

WGs, Acs

Cayungnan

June 15

  
   

Mabilao

June 17

  
   

Bolasi

- do -

  
   

Pao

2nd week July

  
   

Cato

- do -

  

1.4 Preparation of project proposals

LBP

FAO Office

June 20 - July 15

  

1.5 Review of draft proposals Dangley, Mona, Pangasinan San Isidro

  

FAO Office

June 23 -

  
   

July 15

    

1.6 Finalization

        

1.7 Preparation of Project Appraisal Reports

  

FAO Office

up to July 30

  

2. To assist new borrowers in

WGs, Acs, LBP

:(To be identified later)

June 23 -

Accomplished Loan Applications

completing loan applications

  

July 30

    

2.1 Identification of WGs needing assistance

        

2.2 Secure/accomplish loan applications

        

3. To identify new and larger- scale IGPs involving capital assets

Fish Processing

  

June 1 - July 30

Project Proposals

 

Expert, WGs

      

3.1 Identification of IGPs

  

Pangasinan institutions

    

3.2 Research activities

(Various agencies)

      
         

3.3 Discussion with proponents

  

Pangasinan, FAO Office

    

3.4 Development of project concepts/design

        

4. To review and analyze the use of

PMS, ACs, WGs

Pangasinan, FAO Office

  

Analysis of the Use of

loan funds

      

Loan Funds

4.1 Formulation of survey design

    

June 1 - 2

  

4.2 Preparation of questionnaire

    

June 3

  

4.3 Questionnaire administration and retrieval

    

June 6 - July 30

  

4.4 Processing of questionnaire

    

August 1 - 3

  

4.5 Consolidation

    

August 4 - 5

  

4.6 Analysis of findings

    

August 8 - 10

  

4.7 Report Preparation

    

August 10 - 15

  

5. To prepare marketing enterprises for women in coordination with the National Consultant. Fish Processing Expert

Fish Proceesing Expert

Pangasinan. FAO Office

August 16 - 30

Conceptual Plans for Marketing Enterprises

 

BFAR. WGs

      

5.1 Identification of marketing enterprises

        

5.2 Consultation with Fish Processing Expert

        

5.3 Conceptualization and Development

        

5.4 Report Preparation

        

6. To prepare Consultant's Report

NPC

FAO Office

Sept. 1 - 20

Consultant's Report

6.1 Consolidation/Integration all outputs

        

6.2 Formulation of Recommendations

        

6.3 Preparation of Over-all Report

        

6.4 Submission of Draft Report

    

Sept. 22

  

6.5 Finalization of Report

    

Sept. 23 - 30

  

Prepared by:

DOLORA N. NEPOMUCENO

IGP Consultant

Approved by:

MEDINA N. DELMENDO

National Project Coordinator

Appendix 2

INTERVIEW QUESTIONNAIRE

RE: USE OF LOAN FUNDS

1. Name of Respondent (Optional): ________________________________

2. Position in the WG: __________________________________________

3. Name of WG: _______________________________________________

4. Type of Project

5. Amount of Loan

6. Date Availed

 

P

  
     
     

7. Do you think WG members had a clear understanding of the purpose for which the loan fund was to be used?

( ) Yes. How were they made to understand?

____________________________________________________________________________________________________________________________________________________________

( ) No. What measure/s do you think should have been done to ensure clear understanding of the use of the loan funds?

________________________________________________________________________________________________________________________________________________________________

8. Was the loan fund used by the members properly?

( ) Yes. a) Where was it utilized?

________________________________________________________________________________________________________________________________________________________________

b) What safeguards were undertaken to ensure loan funds were used properly? On the part of:

( ) No.

________________________________________________________________________________________________________________________________________________________________

9. Was the WG able to get a loan re-availment?

( ) Yes.

( ) No. Why?

________________________________________________________________________________________________________________________________________________________________

10. Do you have any suggestion/recommendation to prevent occurrence of fund diversion?

________________________________________________________________________________________________________________________________________________________________

Appendix 3

CASE STUDIES

The case studies in this Appendix relate to three of the loan fund diversion incidents in 1993.

1. CHANGE OF IGP

The respondent is an Area Coordinator (AC) in charge of a 18-member women's association. She took over as AC from the former coordinator three years ago.

The association obtained its second loan release amounting to P 102,270.00 in January 1993 for implementation of fish and vegetable trading and hog fattening projects. In April 1993 due to difficulty in purchasing fish stocks for sale, three of the participants with approved loans for fish trading decided to utilize their loan funds instead for hog fattening reportedly with the consent of the Association President.

Upon learning of the incident, the AC immediately reported the matter to her Area Supervisor, who, in turn, included the same in his monthly Assessment Report to the Project Management Office (PMO) in Lingayen, Pangasinan for proper action. After appropriate verification, the PMO notified the LBP.

In line with the bank's policies and operating procedures, the loan became due and demandable. Since the concerned participants were not capable of immediately paying their loans, they were allowed to continue the new IGP and were granted an extension of the loan due date, but they were required to execute a promissory note and submit a resolution approved by the women's association.

To date, the three participants have been operating the hog fattening projects individually. Their loans will mature in October 1994.

2. MISUSE OF LOAN FUNDS

2.1 Case Study No. 1

The respondent is an Association Treasurer who assumed her position from the former treasurer. Her group, obtained a P 74,245.00, loan from the LBP in 1993 for the working capital requirement of a commodity trading project. The Association President received the loan release from the LBP together with the Area Coordinator.

During the distribution of individual loan allocations, many association members were not present because of an inherent or perceived fear to take responsibility for a loan. In view of this, some of the group members opted not to avail of their approved loans.

As a consequence, the President took much more than what was approved for her. Furthermore, the assigned AC partook of the loan funds amounting to P 10,000 which she used to venture into a business on her personal capacity, with the intention of returning the money later on.

While other members were able to get their approved loans, some would like to get additional amount but the President had already taken the funds allocated for those who decided to back out.

The AC was able to return only P 2,000.00. The President was forced to assume the responsibility for payment of the P 8,000.00 balance. The AC was terminated and replaced by another.

The loan of the association has been fully paid as of July 1994. The group is proposing a renewal of their loan for the same IGPs.

2.2 Case Study No. 2

The respondent was a former Treasurer and is presently the President of a women's association engaged in commodity and fish trading. The group members received a loan amounting to P 80,000.00 as part of LBP's initial releases in 1993.

Under circumstances she could hardly explain, the former AC was able to obtain portion of the loan funds, in cash and in kind, amounting to P 16,472.00 from two women's associations which were assigned to her.

The incident was properly reported to concerned authorities in the PMO and LBP. Aside from paying their respective approved loans (which they already paid in early 1994), the group members assumed responsibility for payment of the P 16,472.00 taken by their former AC as a precondition for availment of the second tranche of loan.

The association likewise went through a process of reorganization and a new set of officers were elected including the new President.

At the time of interview (31 May 1994), the President, Treasure, and newly assigned AC had just received the release of the second loan availment.

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