Pre-fiscal year

Training
Livelihood
Batch 1 FY2019-2020
 Preparation for the Pre-fiscal year training

1. Present the 14 new List of BiB’s to trainers

2. Allow them to select the type of BiB they want to actual demonstrate
3. Each trainer should demonstrate different BiB’s (2 LT & 1 HL Mentor = 3
different BiB’s per Branch)
4. Let them prepare for the actual demonstration
5. Branch Head will do the video recording during the actual demonstration
New List of Business-in-a-
Box
1. Binangkal 8. Mallows de Pastillas
2. Carmelitos 9. Mango Jelly
3. Cheese stick 10.Piaya
4. Empanada 11.Pichi-pichi
5. Fishball 12.Sapin-sapin
6. Green Banana Fries 13.Sugar-coated peanut
7. Kwek-kwek

New List of BiB’s Link:

https://drive.google.com/open?id=1LiWmQ7XmJrI4mDRtZLG5jPu1K7Us0DlW
 Video Recording
Instructions:

1. Use HD camera available

2. We need raw data for the video, no logo/watermark on the BiB video
3. Make sure it is a continuous or not more than 10 mins. video (1 video file) to
complete the whole BiB demonstration
4. When you submit the video make sure to fast-forward the procedures that
requires time (cut, slice, mash, boil, waiting time/cooking time)
5. Make sure that the assigned trainer to demonstrate the BiB is well prepared
6. Use hairnet and apron
7. Arrange the BiB ingredients in order as per procedure and make sure you
have a clean table.
 Video Recording
Instructions:

8. Use visual aids in presenting BiB ingredients, procedure and income

forecast
9. Strictly follow the BiB lesson guide
10. Check your camera microphone (volume), lightings
11. Make sure Trainer will present in a loud and clear voice
12. Start with greetings
13. Use Tagalog language
14. Trainer will introduce their self
15. When presenting the BiB ingredients focus the camera to every BiB
ingredient
 Video Recording
Instructions:

16. When presenting the BiB procedure focus the camera to the actual
demonstration
17. Focus your camera to trainer and their visual aid when presenting the
income forecast
18. Avoid unnecessary noises
19. Video will be use as a Training tool across the bases.
 Livelihood Schedule of Activities
Day 1 Activities Time Allotted Facilitator

1 ICE BREAKER 1 & 2 (JOINT HEALTH & LIVELIHOOD) 1 hr.

Branch Head
2 Break 30 mins.

3 Presentation of the 14 new BiB List 30 mins.

Livelihood
4 Feedbacks 30 mins. Coordinator

5 BiB Video Watching

(3 videos) Feedbacking after watching a 1 hr.
video, and so on Branch Head
6 Feedbacks

7 Lunch 1 hr
 Livelihood Schedule of Activities
Day 1 Activities Time Allotted Facilitator

8 BiB Video Watching

(6 videos) Feedbacking after watching a 2 hrs.
video, and so on
9 Feedbacks

10 Break 30 mins.
Branch Head

11 BiB Video Watching

(4 videos) Feedbacking after watching a 1 hr & 20 mins.
video, and so on
12 Feedbacks

13 Wrap-up 30 mins.
 Livelihood Schedule of Activities
Day 2 Activities Time Allotted Facilitator

1 Break 30 mins.

2 BiB Demonstration (BiB1) 30 mins.

3 Feedbacks 15 mins

Branch Head
4 Break 30 mins

5 BiB Demonstration (BiB2) 30 mins.

6 Feedbacks 15 mins.

7 BiB Demonstration (BiB3) 30 mins.

8 Feedbacks 15 mins.

9 Lunch 1 hr.
 Livelihood Schedule of Activities
Day 2 Activities Time Allotted Facilitator

10 Coaching: Topic 1 1 hour

Business Recording
Practice

11 Coaching: Topic 2 1 hour

Profit Sharing Livelihood Coordinator

12 Break 30 mins

13 Coaching: Topic 3 30 mins.

Review your Business goals

14 Brainstorming 1 hr. Branch Head

Review of Livelihood KPI

15 Reminder & Wrap-up 30 mins.

DAY 1
Presentation of New List of BiB’s
New List of Business-in-a-
Box
1. Binangkal 8. Mallows de Pastillas
2. Carmelitos 9. Mango Jelly
3. Cheese stick 10.Peanut Brittle
4. Empanada 11.Piaya
5. Fishball 12.Pichi-pichi
6. Green Banana Fries 13.Sapin-sapin
7. Kwek-kwek 14.Sugar-coated peanut
Ask the trainer to name the photos in
the next slides
Lesson Guide
Ask them if they knew or have an idea
how to make the products on the list
Feedback
Watch BiB Videos
Sapin-sapin
Feedbacks: Sapin-sapin

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Cheese stick
Feedbacks: Cheese stick

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Coated Peanut
Coated Peanut
Feedbacks: Coated Peanut

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Empanada
Feedbacks: Empanada

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Green Banana Fries
Feedbacks:
Green Banana fries

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Mallows de Pastillas
Feedbacks:
Mallows de Pastillas

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Kwek-kwek
Feedbacks: kwek-kwek

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Taro Chips
Feedbacks: Taro Chips

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Fishball1
Fishball2
Fishball sauce
Feedbacks: Fishball

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Yema
Feedbacks: Yema

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Carmelitos
Feedbacks: Carmelitos

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
Pichi-pichi
Feedbacks: Pichi-pichi

1. If you have a better recipe share it with the

group
2. Share any other ways to do it better
3. Innovation to improve the product (in
terms of ingredients, add-ons, procedure,
packaging, etc.)
4. Share potential risk or challenges
5. Share market opportunities for the product
DAY 2
 BiB Demonstrations

Instructions:

1. Submit videos after the Pre-fiscal year training (June 3, 2019)

2. Submit BiB photos (June 3, 2019)
3. Don’t forget to select your judges for BiB presentation
4. Criteria should be the following
- hairnet and apron - eye contact
- table set-up - over-all presentation
- follow lesson guide - you may add other criteria and you may decide
- visual aid your preferred percentage per criteria
- audible voice
 BiB Demonstrations

Instructions:

5. Prepare certificate or reward for the winner

- Prizes could be cleaning product kits from your refresher trainings
- Soap cycling and other supplies if available
5. Submit your proposed changes in the lesson guide if you have
Sample BiB Demonstration
 Feedbacks
After BiB demonstration:

Ask feedbacks from the audience using the questions below and share your own
feedback as well. Please use constructive feedbacks.

1. Did the trainer/s presented the lesson confidently?

2. Did the trainer/s delivered the lesson with mastery?
3. Did the trainer/s follow the manual/BiB lesson guide in delivering the BiB
lesson?
4. Did the trainer/s delivered the lesson differently?
5. How did the lesson delivered differently?
6. Other comments and observations
7. Suggestions and improvements
 COACHING
TOPIC 1: BUSINESS RECORDING
Before or after Transform VHL session, Livelihood trainer will coach the SG
Officers and part of the coaching topic is Business Recording, Profit Sharing and
Review your Business Goals aside from coaching them how to do the policy
making.

It is timely to teach them how to do Business Recording after the first BiB lesson.
BUSINESS RECORDING: CASH BOOK

Have you tried to check with the participants or savings group how they record
their business transactions?

CASH BOOK - shows the daily record of all cash, credit or cheque transactions
received or paid out by a business.

- We will use this to record your daily cash record and monitor your business
money in and money out
- There is a date column , and the descriptions of all the money that came in
and out, amount of money that came in (Cash-In) and amount of money that
came out (Cash Out) from your group and the cash balance column to know
your Cash-on-Hand.
BUSINESS RECORDING: CASH BOOK ACTIVITY

Here are the instructions:

- Whenever I read the instruction, you will write the transaction in the
Cash Book form (practice form).
- All dates should be written in the date column
- All specific transactions and descriptions should be written in the
Description column
- All the money that came in will be written in the Cash-In column
- All the money that came out will be written in the Cash-Out column
- All Opening Balance will be written in the Balance column
- And you will write the running cash balance in the Balance column.
- You will get the running balance by adding the previous balance plus
Cash-In minus Cash-Out.
CASH BOOK ACTIVITY 1

Here are the instructions:

- Your latest Running Balance is your actual Cash-on-Hand
- While the total Cash-In (Sales) is your Gross Sales
- and your Total Expenses is your business

But before that here is an example:

● Discuss each description below and show the sample Cash Book in
Manila paper.
● April 1, 2019 - Opening Balance is P2,000
● April 2, 2019 - you purchase ingredients for your Puto Cheese business
○ first class flour - P320
○ refined sugar - P220
CASH BOOK ACTIVITY
● April 2, 2019 - you purchase ingredients for your Puto Cheese business
○ baking powder - P110
○ eggs - P100
○ margarine - P100
○ coconut - P300
○ cheese - P110
○ molder - P360
○ your transportation expenses - 200
● You did the Puto Cheese business and earned Php3,500.
CASH BOOK ACTIVITY

Questions:
● How much is the Total Cash-on-Hand?
● Gross Sales?
● Total Expenses/capital?
● Net profit?
CASH BOOK ACTIVITY
CASH BOOK ACTIVITY

● The Total Cash-on-hand is Php3,680. If you notice, Gross Sales is not

equal to the Total Cash-on-hand, it’s because the Php2000 the
Opening Balance was not all used up for business only Php1,820 was
used for business expenses/capital.
● The Gross Sales is Php3,500
● And the Total Expenses/Capital is Php1,820 with a Net Profit of
Php1,680.
CASH BOOK ACTIVITY 2
These are the instructions:
○ April 3, 2019 - Opening Balance is P3,680
○ April 4, 2019 - you purchase ingredients for your Puto Cheese
business
■ first class flour - P640
■ refined sugar - P440
■ baking powder - P220
■ eggs - P200
■ margarine - P200
■ coconut - P600
■ cheese - P220
■ molder - P720
■ your transportation expenses - 200
○ You did the Puto Cheese business and earned Php7,000.
CASH BOOK ACTIVITY
Questions:
○ How much is your Total Cash-on-Hand?
○ How much is your Gross Sales (Business Sales)?
○ How much is your Total Expenses/capital?
○ How much is your Net profit?
CASH BOOK ACTIVITY
TOPIC 2: PROFIT SHARING
Profit sharing is a system of sharing the profits that a company or a business
entity makes between all the people who work for it.

Transform Week 12 is a high time to discuss profit sharing and will have to
make a guidelines on profit distribution, which everyone will have to agree with.
Profit-sharing is also scheduled at the time of the year when most people need
cash, such as during Christmas or school enrolment.

When you say profit-sharing, it is usually share-out profits not the savings of the
group.

Let’s practice profit sharing..

TOPIC 2: PROFIT SHARING
Computing earnings from compulsory savings

MALIPAYON SAVINGS GROUP

VALUE PER SHARE/COMPULSORY CONTRIBUTION ₱5.00

TOTAL # OF SHARES/COMPULSORY CONTRIBUTION 7,390

TOTAL CONTRIBUTIONS ₱36,950

TOTAL EARNING FROM LOANS % AND FEES ₱3,000

TOTAL FUND ₱39,950

( TOTAL CONTRIBUTIONS + TOTAL EARNINGS FROM LOANS % AND FEES)

NEW VALUE PER SHARE/COMPULSORY CONTRIBUTION ₱5.41

(TOTAL FUND ÷ TOTAL # OF SHARES )

DIVIDEND PER SHARE/ COMPULSORY CONTRIBUTION ₱0.41

(NEW VALUE PER SHARE − VALUE PER SHARE)
TOPIC 2: PROFIT SHARING
What did you notice with the example I gave you? Why is there no peso sign
in the “Total Number of Shares” portion?
Right, that is because 7,390 is the number of shares bought by the members
and not the value or amount.

What is the Total Contributions then? That would be 7,390 multiplied by the
share price/compulsory contribution of P5.00 or P36,950.00.

The group earned P3,000 from interests and fees. When combined, the Total
Contributions and the Total Earnings from Loan Interests and Fees make up
the group’s Total Fund.
TOPIC 2: PROFIT SHARING

We then divided the Total Fund by the number of shares, resulting to a new
value per share of P5.41. This means that for every purchase of P5.00, the
member earned P0.41 (41 centavos) or 8% of the share price.
ACTIVITY 1: PROFIT SHARING

Name of No. of Total × Total New Share

Members Shares/ Contributions Dividend Dividends Value
Compulsory /Share Value Per
Share

Maria 200 ₱1,000 ₱82 ₱1,082

₱0.41

Daisy 300 ? ? ?
ACTIVITY 1: PROFIT SHARING

Name of No. of Total × Total New Share

Members Shares/ Contributions Dividend Dividends Value
Compulsory /Share Value Per
Share

Maria 200 ₱1,000 ₱82 ₱1,082

₱0.41

Daisy 300 ₱1,500 ₱123 ₱1,623

ACTIVITY 2: PROFIT SHARING
Computing earnings from business investments

MALIPAYON SAVINGS GROUP

TOTAL GROUP SAVINGS BALANCE ₱31,120

TOTAL PROFIT FROM THE PERIOD ₱3,000

Name of Savings divided by the × Profits for Individual Profit New Savings
Members Balance Total Group the Period Share Balance
Savings Balance

Maria ₱1,300 ₱125.32 ₱1,425.32

₱31,120 ₱3,000
Daisy ₱1,200 ? ?
ACTIVITY 2: PROFIT SHARING

At the end of the cycle, Maria had accumulated a total savings balance of
P1,300. To get Maria’s profit share, we divide her savings balance by the
group’s total savings balance (P31,120) and multiply it by the total profits
earned from our businesses. The result is called Individual Profit Share, or
Maria’s earnings from her savings. This is then added to Maria’s individual
savings balance, yielding a total of P1,425.32.

Any questions?

Are you now ready to compute Daisy’s individual profit share and new savings
balance?
ACTIVITY 2: PROFIT SHARING
Computing earnings from business investments

MALIPAYON SAVINGS GROUP

TOTAL GROUP SAVINGS BALANCE ₱31,120

TOTAL PROFIT FROM THE PERIOD ₱3,000

Name of Savings divided by the × Profits for Individual Profit New Savings
Members Balance Total Group the Period Share Balance
Savings Balance

Maria ₱1,300 ₱125.32 ₱1,425.32

₱31,120 ₱3,000
Daisy ₱1,200 ₱115.68 ₱1315.68
PROFIT SHARING

Notice that Maria had higher profit than Daisy because she had more
savings compared to Daisy.

What we taught you is a suggestion based on best practices on profit-

sharing. There are a lot of ways to distribute profit. It is up for your group to
decide which method to take. The most important when preparing or doing
a profit- sharing is that everybody’s efforts and resources is taken into
consideration and that everybody is agreeable to it. It’s hard to decide when
you have a stake on it so let everybody decide. When facilitating the profit-
sharing time, don’t think of what you can get from the sharing but more on
what is best for everyone in the group. Again, it belongs to the group after
all.
TOPIC 3: REVIEW YOUR BUSINESS GOALS

Why do you think are we doing this? Reviewing the business goals?

Goals are important for us to set our direction.

Now why is it important that we review our goals?

- So that we can check our progress and see where we are in our goals. We
can also adjust if we see that we are doing more than our target or our
target is way too much ahead of us.
- Another thing, it serves as a reminder and it will also tell us to celebrate
small accomplishments.
REVIEW YOUR BUSINESS GOALS

Reviewing business goals provides us a feedback on what went wrong.

Sometimes, there is nothing wrong with how things were done. It could be
that we have made a very impossible plan. When reviewing we can assess
whether we have to modify plans/goals or totally change plans/goals.
 BRAINSTORMING

REVIEW OF THE LIVELIHOOD KPI

BiB Success

1. BiB Dispersal - 80% target

2. BiB Repayments - 80% target
3. BiB Sales - 50% of our participants will use their BiB’s in business
4. Unique participants who received BiBs - we desire that all participants will
participate in BiB uptake

Are you okay with your Livelihood KPI? That we will measure BiB success
through these four KPI’s above?
 BRAINSTORMING

REVIEW OF THE LIVELIHOOD KPI

Increase in pre-existing income generating activities

1. Number of pre-existing income streams

2. Frequency (Weekly basis)

Is it possible for us to monitor the pre-existing business of the participants in

a weekly basis? How many times in a week they do business and how
much income they have in a week for their pre-existing business?
 BRAINSTORMING

REVIEW OF THE LIVELIHOOD KPI

New Income generating activities

1. Number of new income streams

2. Frequency (Weekly basis)

Is it possible for us to monitor the new businesses of the participants aside

from BiBs? How many times in a week they do business and how much
income they have in a week for the new businesses?
 BRAINSTORMING

BRANCH HEAD:

1. Please take note of the answers of the Livelihood Trainers and Livelihood
Coordinators
2. The answer to the questions will set the expectations from the Livelihood
team
3. Please take the questions seriously
4. Submit feedbacks on June 3, 2019 to National Livelihood.
 REMINDER

GROUP BUSINESS ENCODING GUIDELINES

1. BiB Group Uptake for Group Business - all members in a BiB group uptake
should be encoded in the database.
2. Make sure that we have a total of 7 kits per BiB-type and 7 list of names
regardless if the BiB uptake is individual or group uptake in our encoding
and a total of 35 kits or list of names per community.
3. In this way we can count all the Made a Sale report correctly