1. BUKIDNON COOPERATIVE BANK ACTION PLAN  Personal Digital Assistant (PDA) system  Improve MF organizational structure for better operation  Introduce new techniques to improve client retention 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

2. BUKIDNON COOPERATIVE BANK ACTION PLAN  Acceptance and availability of funds for PDA  Acceptance of management to improve structure 2. Problems and Constraints You Expect To Encounter

3. BUKIDNON COOPERATIVE BANK ACTION PLAN  Funds and budget for training  Approval for PDA system 3. Support Needed From Management

4. COOPERATIVE BANK OF MISAMIS ORIENTAL ACTION PLAN  Incorporation of Personal Digital Assistant (PDA)in Microbanker  Strengthening of client’s selection by AO’s  Intensify collection of delinquent accounts  Incentive Scheme for performing AO’s 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

5. COOPERATIVE BANK OF MISAMIS ORIENTAL ACTION PLAN  Management may not appreciate importance of PDA  Management may not consider incentive scheme as practical  Management may treat training/workshops as expense rather than investment 2. Problems and Constraints You Expect To Encounter

6. COOPERATIVE BANK OF MISAMIS ORIENTAL ACTION PLAN  Allocate funds for PDA and training  Logistical support to follow-up past due accounts ( use of vehicles)  Compare compensation with other banks in the area 3. Support Needed From Management

7. Green Bank of Caraga ACTION PLAN  Personal Digital Assistant (PDA)system  Review incentive scheme  Finalize product manual  Re-echo Supervisors’ Forum to all GBC MF supervisors and AO’s to improve MF operation 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

8. Green Bank of Caraga ACTION PLAN  Financial Support  MIS capability to design PDA collection system 2. Problems and Constraints You Expect To Encounter

9. Green Bank of Caraga ACTION PLAN  Financial support  HRD assistance 3. Support Needed From Management

10. RURAL BANK OF CANTILAN ACTION PLAN  Personal Digital Assistant (PDA)system  Model AO for the month, quarter/ and year  Revision and access of product manual  Schedule of MFU meetings (monthly and quarterly)  Prior approval by supervisors on penalties imposed on delinquent accounts 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

11. RURAL BANK OF CANTILAN ACTION PLAN  Availability of PDA programmer to maintain the PDA system  Selection of model AO may encourage “tapal” system, or may create “gap” among AO’s 2. Problems and Constraints You Expect To Encounter

12. RURAL BANK OF CANTILAN ACTION PLAN  Acquisition of equipments to improve delivery of MF products (typewriters, PDA, motorcycles) 3. Support Needed From Management

13. RURAL BANK OF DIPOLOG ACTION PLAN  Replicate MF product to other branches  Improve the CI/BI process 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

14. RURAL BANK OF DIPOLOG ACTION PLAN  Training of new account officers  Refresher seminar for existing account officers 2. Problems and Constraints You Expect To Encounter

15. RURAL BANK OF DIPOLOG ACTION PLAN  Approval to replicate MF program to other branches 3. Support Needed From Management

16. RURAL BANK OF KAPATAGAN VALLEY ACTION PLAN  Personal Digital Assistant (PDA) system  Controllable measures in client selection and CI/BI  Delinquent accounts must be handled by one AO 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

17. RURAL BANK OF KAPATAGAN VALLEY ACTION PLAN  Technical skills on PDA collection system  An improved CI/BI may entail more time to complete 2. Problems and Constraints You Expect To Encounter

18. RURAL BANK OF KAPATAGAN VALLEY ACTION PLAN  Management support 3. Support Needed From Management

19. RURAL BANK OF TALISAYAN ACTION PLAN  Personal Digital Assistant (PDA) system  Retention of10% of loan amount as savings  New CI/BI strategy for new applicants  Conduct clients’ forum per area  Emphasis (no bribery; complaints to supervisor) during client orientation  Training for crecom on credit decision 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

20. RURAL BANK OF TALISAYAN ACTION PLAN  More time for programmer to develop PDA  Client’s hesitation to attend forum 2. Problems and Constraints You Expect To Encounter

21. RURAL BANK OF TALISAYAN ACTION PLAN  Approval of PDA system  Management’s invitation for clients to attend forum  Free snacks for clients attending forum 3. Support Needed From Management

22. SIAM BANK ACTION PLAN  Personal Digital Assistant (PDA) system  Loan increase is proportionate to savings  Demand letters for delinquent government employees  Validate results of bank-wide TNA with our bank 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

23. SIAM BANK ACTION PLAN  Additional workload in sending demand letters and convincing AO’s of its effectiveness as collection tool  Resistance from clients of additional compulsory savings  Learning course for PDA 2. Problems and Constraints You Expect To Encounter

24. SIAM BANK ACTION PLAN  Budget for PDA system if benefit is greater than cost  Full support from managers and supervisors on revisions of product manual  Training program for supervisors and AO’s based on TNA results 3. Support Needed From Management

25. CENTURY RURAL BANK ACTION PLAN  Personal Digital Assistant (PDA) system  Pressure of Product Manager  Hire new AO’s  Creation of Junior Credit Committee 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

26. CENTURY RURAL BANK ACTION PLAN  Lack of experienced AO for PDA system  PDA may be an expensive system 2. Problems and Constraints You Expect To Encounter

27. CENTURY RURAL BANK ACTION PLAN  Funding for hiring of new AO’s and purchase and development of PDA 3. Support Needed From Management

28. NETWORK RURAL BANKING GROUP ACTION PLAN  Personal Digital Assistant (PDA) system  Refresher courses on delinquency management and marketing of MF products and services 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

29. NETWORK RURAL BANKING GROUP ACTION PLAN  Cost of PDA  MIS program 2. Problems and Constraints You Expect To Encounter

30. NETWORK RURAL BANKING GROUP ACTION PLAN  Approval to implement PDA system  Budget approval for refresher courses 3. Support Needed From Management

31. RURAL BANK OF LEBAK ACTION PLAN  Personal Digital Assistant (PDA) system  Strategy to increase outreach 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

32. RURAL BANK OF LEBAK ACTION PLAN  Design PDA program custom built for bank needs  Increased outreach may lead to higher delinquency (lesser time to cover more borrowers) 2. Problems and Constraints You Expect To Encounter

33. RURAL BANK OF LEBAK ACTION PLAN  Management implementation of the PDA system 3. Support Needed From Management

34. RURAL BANK OF MONTEVISTA ACTION PLAN  Personal Digital Assistant (PDA) system  Documentation of deviations and amendments for standardization  Improve CI/BI and client selection processes  Address operational issues to improve profitability and sustainability 1. New Ideas Learned from Other Participants You Like to Try to Improve your Microfinance Operations in the Next Three Months

35. RURAL BANK OF MONTEVISTA ACTION PLAN  Support of officers involved in the implementation  Designation/hiring of training officer to handle all MFU training 2. Problems and Constraints You Expect To Encounter

36. RURAL BANK OF MONTEVISTA ACTION PLAN  Formulation of training modules  Allocation of funds for training and MF product enhancement 3. Support Needed From Management