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Annual Report 2020 Vision and Mission 5 I Am Very Thankful That We Were Institution, CARD, Inc

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Annual Report 2020 Vision and Mission 5 I Am Very Thankful That We Were Institution, CARD, Inc 04 ABOUT THE COVER 05 VISION AND MISSION 06 MESSAGE FROM THE CHAIRPERSON 08 UGNAYAN AT KWENTUHAN 10 CENTER STORY ACCOMPLISHMENTS 12 EXECUTIVE DIRECTOR'S REPORT 16 THIS IS OUR 2020 18 2020 IN NUMBERS PEOPLE BEHIND CARD, Inc. 20 MANAGEMENT COMMITTEE 24 BOARD OF TRUSTEES 26 AREAS OF COVERAGE 28 INSTITUTIONAL PARTNERSHIP 30 BOARD COMMITTEE 33 AUDITED FINANCIAL STATEMENTS CONTENTS ABOUTABOUT THE THE COVER COVER Our cover embraces the technology- VISION driven initiatives of CARD MRI and addresses the challenges of the CARD, Inc. (A Microfinance NGO) is a pandemic by utilizing key digital strategies to banking in the comforts world-class leader in microfinance and of one’s home. community-based social development undertakings that improves the quality The cover features Lorna Atienza, 62 years old, a former president of CARD of life of socially-and-economically MBA, as she holds one of the most challenged women and families towards important tools the CARD banking nation building. group has devised for a hassle- free mobile banking experience, konek2CARD. The cover entails that there is no limitation as to who uses the mobile banking application, which can be integrated to the lives of the For the last 35 years, CARD MRI clients we serve for easier, faster, has been supporting marginalized and more efficient transactions. Be women and their families through they young or old, anyone can freely microfinance services and social use konek2CARD as the application development initiatives. As a new fulfills the goal of CARD MRI to era approaches and a New Normal financially include those in the hem mission begins, we continue our mission to of the society. Meanwhile, the icons eradicate poverty armed with optimal that emanate from the mobile device CARD, Inc. (A Microfinance NGO) is committed to: resources that will help us achieve our symbolize the digital communities • ultimate goal. This 2020, we chose that we have built to bridge the gaps • Empower socially-and-economically challenged a new path paved with innovations in communication and encourage a women and families through continuous access to that had proven to be effective in our collaborative approach between the financial, microinsurance, educational, livelihood, journey to digitalization. mutually reinforcing institutions. health and other capacity-building services that eventually transform them into responsible citizens for their community and the environment; • Enable the women members to gain control and ownership of financial and social development institutions; and • Partner with appropriate agencies, private institutions, and people and community organizations to facilitate achievement of mutual LORNA aTIENZA goals. Client 4 CARD, Inc. Annual Report 2020 Vision and Mission 5 I am very thankful that we were institution, CARD, Inc. witnessed OVERCOMING HARDSHIPS still able to continue our work firsthand CARD MRI’s core values Message from the Chairperson throughout the year. Despite not in full display during this period. meeting the initial targets we set From the founding chairman to for 2020, I am still very proud to our staff, all exhibited the essential clients and communities, who know that our operations and virtues we hold dearly in their were undoubtedly more affected outreach were not severely tasks and responsibilities. Guided by the pandemic. Many of them hindered during this period. by these core values, CARD, lost their sources of income - Careful adjustments allowed Inc. shall remain resolute in our their jobs, businesses, and other us to work within the standard mission of social development opportunities – and so it was truly minimum health protocols, and and poverty eradication. We such an uncertain time. We at digital initiatives that were quickly will continue to do our part in CARD, Inc. recognized this and integrated to our operations made providing our microfinance and quickly organized ourselves in our tasks more efficient, so we development services to more order for us to adapt and continue could accommodate and help underserved Filipino families to serve our clients as soon as more clients. This pandemic during these times of hardship, possible. certainly gave CARD, Inc. a clear and we will make sure that once reminder how advantageous we overcome this pandemic, we Since day one of the pandemic, digital solutions are in our line of will be there for them ready with a Dr. dolores m. torres CARD, Inc. together with our work, and we in turn will make helping hand. founding chairman - Dr. Jaime sure that our push towards digital Chairman Aristotle B. Alip, and my fellow transformation will accelerate senior advisers, had kept even further. Of course, all of ourselves abreast of the situation this was achieved thanks to the vividly remember when the before us and conducted daily awe-inspiring dedication of our lockdown was announced in meetings where we could staff throughout the country who March 2020. All of us at the carefully plan approaches that chose to continue to serve the Center for Agriculture and Rural we could hastily take even when families and communities they Development (CARD), Inc. restrictions were in place. With are acquainted with. I am forever I the help of the Microfinance grateful to their commitment to (A Microfinance NGO) [CARD, Inc. for brevity] were caught off- Council of the Philippines and our CARD MRI’s collective mission of Guided by these guard by the pandemic, some of fellow microfinance institutions uplifting the lives of our Nanays core values, CARD, us even wondered if any worst- (MFIs) we were able to lobby and and their families, and towards Inc. shall remain case scenarios could happen in be allowed to resume operations our eventual goal of eradicating resolute in our the following days. The biggest as part of the essential services poverty in the Philippines. mission of social challenge CARD, Inc. faced sector by May. This was a development during this time was the pause major obstacle CARD, Inc. had We at CARD, Inc. gained a lot and poverty of our operations for over two overcome, and we have already of valuable insights during this eradication. months throughout the strict devised strategies that would allow pandemic. Rest assured that we lockdown. At that time, we were us to safely operate and provide will apply what we have learned worried not only for our institution our services to immediately adapt this 2020 in all of our strategies but most importantly for our to the situation. for the succeeding years. As an 6 CARD, Inc. Annual Report 2020 Message from the Chairperson 7 Ugnayan at Kwentuhan Dr. Dolores M. Torres MRI’s dedication to its core achieve their dreams and to ignite Senior Management Adviser mission of eradicating poverty in the fire that is already burning in the Philippines. them. Finally, to boost the morale of One important thing we learned hen the COVID-19 with our members strengthened. both our staff and clients, we took from the year that passed is pandemic hit the Through Ugnayan at Kwentuhan, the opportunity to gather them that stories and conversations, Philippines, it was quite we kept our connection with our in a series of four online training however intangible they may an unforeseen force clients strong through having sessions that let us reminisce the seem, are an important foundation to be reckoned with. It phone conversations with our history of CARD MRI together with in our relationship with our clients. W our members’ and staff’s journey By 2021, we hope to gather more shut down industries and put management and staff. This way, everything on halt. For CARD we reassured our clients that with the mutually reinforcing stories of hope from our clients MRI, this meant we had to take the pillars of CARD MRI remain institutions. As the Enhanced and staff as we continue our a short pause to regroup and re- indestructible. We constantly Community Quarantine lifted, journey towards recovery. strategize. We decided that above assure them that we will continue our members and staff gathered all else, our staff and clients health helping them through our just like they do during a Center Meeting, followed the minimum and safety is our top priority. programs. We let the warmth that emanates from our presence health standards, and listened to However, the fire that is ablaze our Institutional Heads as they in our hearts as we work to give blanket them through wary days and sleepless nights. recount the story of how CARD our clients a better way of life will came to be. never be extinguished. Whatever plight comes our way, even as Because CARD MRI’s strength is in the lives we have changed, During the online training dire as the COVID-19 pandemic, session, which was attended by The stories and our stories shall continue to we have also come up with a way to encourage our members approximately 500 participants conversations, prosper and be a source of hope per session, we have shared to anyone who hears it. This is amid these challenging times however intangible by sharings with them stories of both laughter and tears because where Ugnayan at Kwentuhan of the stories we have heard and they may seem, comes to life. hope these challenging times by are an important sharing with them stories of hope imparted to the community we have built. We are also grateful foundation in our Ugnayan at Kwentuhan is a through Ang Kwento ng Center Ko, which chronicles the lives of our for our institutional heads for relationship with project that bridged the distance their consistent support of the we had with our members during nanays, as we and their centers. our clients. We have heard stories from 142 community through Ugnayan at the pandemic. It allowed us to stay Kwentuhan 2020.
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