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SURVIVING DISASTER!

SURVIVING DISASTER!. Background. More than 20 storms entered the Philippines in 2006, six of them affected Bicol directly, three of which were super typhoons Typhoon Milenyo hit Bicol in Sept. 28, 2006, causing heavy damage in Sorsogon

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SURVIVING DISASTER!

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  1. SURVIVING DISASTER!

  2. Background More than 20 storms entered the Philippines in 2006, six of them affected Bicol directly, three of which were super typhoons Typhoon Milenyo hit Bicol in Sept. 28, 2006, causing heavy damage in Sorsogon Typhoon Reming (Nov. 30, 2006), directly hit Albay with maximum wind speed of 230 kph

  3. Damages 707,966 families or 3,536,342 persons were affected in 14 provinces of 3 Regions (incl. IV-A, V) 734 dead, 2,360 injured and 762 missing persons in the 3 regions 588,037 houses were damaged - 40% totally; 60% partially Estimated damage to agriculture and infrastructure amounted to Php 5.4 billion

  4. Bank’s Immediate Response located and checked the situation of employees Bank employees helped clear the roads to the bank inspected damages at the Main office and branches (Tiwi and Sorsogon) cleaned up; recovery of forms, recovery of data and repair damages to the building prepared for liquidity fluctuation conducted survey on the status of the borrowers distributed relief goods to heavily-affected clients

  5. PAR: Before, After and Now

  6. Policy Response banking operation resumed on Dec. 4, 2006 bank was closed for 1 day after the typhoon on Dec. 1st maximum of Php10,000 withdrawal per client per day no loan releases for 1 week after the typhoon 1 month moratorium on penalties for individual micro loan clients 1 month moratorium on amortization for group loan clients

  7. no withdrawal of savings for microfinance clients, but allowed use of savings as payment for their loans continue collection on clients who can pay repeat loan undergoes evaluation before release no release of new loans for 1 month write off bad accounts Policy Response

  8. Lessons all data should be backed up properly office documents and equipment should be well-secured contractual savings is important for the clients so that that they have something to use in case of calamities/emergencies Bank personnel should be trained in disaster response management to assist their families and clients properly

  9. THANK YOU!

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