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Pag-IBIG short-term loan eligibility now at least 12months of savings

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  Pag-IBIG members can now avail of a short-term loan after their first 12 months of savings in their Pag-IBIG savings account. According to a report from the CBD , Marilene Acosta, the chief executive officer of the Pag-IBIG Fund, announced this during the 2024 Stakeholders’ Accomplishment Report (StAR) for Visayas on March 21, 2025. Mrs. Acosta explained that the adjustment in loan eligibility aims to provide members with early access to Pag-IBIG’s loan services, such as the Calamity Loan, Multi-Purpose Loan (MPL), and the newly introduced Lung Health Loan. This initiative will greatly benefit new members of the Pag-IBIG Fund, particularly low-income earners facing financial crises or those recovering financially, by allowing them to avail of loans urgently to address their financial needs. Acosta also disclosed that the loan processing time will be shortened to as fast as an hour or, if possible, within five minutes, compared to the current processing time of two days. Our...

Crude Protein Requirements for Livestock

Crude Protein Requirements for Livestock Crude Protein Requirements for Livestock Livestock Type Category Stage/Production Crude Protein Requirement (%) Poultry Broilers Starter (0–3 weeks) 22–24% Grower (3–6 weeks) 20–22% Finisher (6–8 weeks) 18–20% Layers Starter (0–6 weeks) 18–20% Grower (6–18 weeks) 15–16% Laying hens (18+ weeks) 16–18% Swine Piglets Pre-starter (3–5 kg) 24–26% Starter (5–10 kg) 20–22% Grower Pigs 10–50 kg...

How to make Lactic Acid Bacteria Serum (LABS)?

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Lactic Acid Bacteria (LAB) are important groups of good organisms in fermented foods. They are the good bacteria that produce Lactic Acid as a by-product of digesting their food. LAB plays a vital role in promoting organic ways of growing foods, medicine, and cosmetics as marked being Generally Recognized As Safe (GRAS) by the FDA (Food and Drug Administration). These bacteria are generally safe for Humans, animals, plants, soils, and even in environment.  In Agriculture, LABS is used to enhance microbial presence in the soil and help improve soil pores so that air can pass through to the soil profile where plant roots are located. Some farmers who practice organic farming cultivate their own LABS for their plants, soil, and animals. Natural farmers spray their plants with Lactic Acid Bacteria Serum solution as a foliar application method; to the soil surface of the plant for the improvement of microbial activity in the soil and to fast the germination of the seeds; and deters the...

Viber Rakuten will launch a new e-wallet this 2025

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As per GMA News , Viber Rakuten Philippines announced the possible launch date of their newly digital wallet in the Philippines on Tuesday, February 18, 2025 during the held media briefing at Bonifacio Global City, Taguig City. Rakuten Viber will be the first social messaging app in the Philippines to offer a fintech solution. The Viber CEO Ofir Eyal, said on Tuesday that they intend for its e-wallet service to integrate with their messaging app to lessen the hassle or the “friction”, between the payment platforms and messaging apps when making purchases or doing a remittance. Viber Pay, as named on the e-wallet that will be embedded in the Rakuten Viber App, will help to make dynamic and smooth payment transactions between the customers and businesses in the app. It will also simplify the money transaction of the users between the other users, as all of their transactions, references, and traces will just be within the single app. Users will not go to other e-wallets, banks, and oth...

5 advantages of being a Card Bank member

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Financial security is what we always aimed for. This is the reason why we wake up every day, why we go to work and do job tasks hardly, and why we fight for our kids future. The financial security will give us an assurance to live without worrying about bills to pay and money to spend for needs. Do we have this mindset? To become financially stress-free in the future before our aged stage.Though most of us are living from paycheck to paycheck, we have goals in life to leave this behind. We have dreams to fulfill. Maybe the reason why you are still in the rat race is that you have no financial plan yet; you have not yet started to build your dreams, or you don't know how to start with it.  You have dropped in on this blog because you have a real goal to become successful in life and become financially secure. Let us explain to you, "Why do you need to join a financial organization or institution like a card bank?"Before we discuss anything about this bank institution, we ...

How to recover your Konek2Card Card Bank Online Account if you have lost your mobile number?

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Mobile number is one of your special keys to recover your online banking accounts, e-wallets, lending apps, and even all your social media accounts where your cellphone number was connected. In the recent year, the mobile number registration was implemented, which means your personal identity is now linked to your mobile number, and all of the registration was done on the telecommunications portals themselves. So, losing your mobile number is not just simple but really a big deal. Not just for recovering your social media accounts, bank accounts online, or even in e-wallets, but also a worry of losing your security. Though in case you have lost your mobile in any case of losing it through theft, misplacement, or defect, always call the telecommunication company of your number and report the incident for blocking or holding your number for any possible transactions that may use the number. After you have been reporting, you can request a number recovery or SIM replacement on your lost S...

Digital Banks will boost Philippines' Economy

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  The Philippines Central Bank is ready to add 4 digital banks in addition to the previous 6 digital banks licensed to operate. On January 1, 2025, the application was started for the new digital bank's application, where some applicants are foreign banks. The digital bank is a virtual service of banks, the same as physical banks but with no physical branches. They have a single branch located in a country to accept walk-ins or to do their daily business paper operations. Banks help thousands of businesses all over the country by providing them with financial services such as loans to fund their businesses and other banking services to make their financial transactions easier. Digital banks so far provide billions of pesos to businesses and individuals. Many businesses expanded through the help of banks, and they have become successful, and more individuals have granted their dream businesses with the help of digital banking. It is so easy for anyone to apply for a business loan an...

List of BSP Licensed Digital Bank in the Philippines

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Digital banks are a new legal and formal category of banks in the Philippines since 2020, when Banko Sentral ng Pilipinas opened the application of digital banks in the Philippines. The Digital Banks are no physical branches; all of their transactions will process online using their mobile application. Receipts, queries, and other banking transactions will be done through an end-to-end electronic portal.   Here is the list of BSP-licensed digital banks in the Philippines: 1. Maya Bank, Inc. Maya (formerly Paymaya) is the number 1 bank in the Philippines in terms of users and assets. They offer a high interest rate on your savings, revolving credit limit, personal loan, top-up, crypto, bill payment, investing, and other banking services. Website : https://maya.ph Email : support@maya.ph Hotline : (+632) 8845-7788 Address : 6/F Launchpad Center, TV5 Media Center Complex, Reliance corner Sheridan Streets, Barangay Buayang Bato, Mandaluyong, Metro Manila, Philippines   2. UnionDig...

Landbank offer new emergency loan to all Government Employees, Pensioners

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Landbank, the state-owned bank, launched a new loan offer for all eligible government employees and pensioners. This is to help government employees in times of emergency expenses and other urgent financial requirements. The Pension and Emergency Relief (PeER) loan facility offers from 20,000 pesos up to 100,000 pesos. Landbank will add a 10% per year interest rate to your loan. Which is lower than other emergency loans offered by the financial sector like 5-6, OLA's, and e-wallets.   All interested individuals are encouraged to visit any Landbank branches nationwide and/or call the Landbank hotline number to help in facilitating the offer.   On the report of Abante, the House Committee on Labor and Employment chairperson at Rizal Rep. Fidel Nograles said, "Maganda po ang bagong loan program na ito upang may legal na malalapitan ang ating mga kawani ng pamahalaan at pensiyonado sa halip na lumapit sa mga nagpapa-'5-6'.”   Nograles believes that PeER will h...

From Bitcoin to Digital Ledger Technology: Transforming Financial Systems of the Philippines

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The Bitcoin is the first virtual cryptocurrency released on January 3, 2009, by an unknown individual or group of developers who used the pseudonym Satoshi Nakamoto. Bitcoin is the pioneering of blockchain technology—the backbone of all cryptocurrency. Blockchain is the enter-connected nodes where all users have their own copy of transactions between the network. The nodes are a self-verifier of each transaction in every second to the entire chain—so called the ledger. However, Bitcoin is a decentralized virtual currency, which means it is not regulated by any states, and it was established by the private sector. Like the other cryptocurrency, it was launched and developed through public demand, aiming to make dependents not controlled by any government or state. In the nature of cryptocurrency, the public uses it as regular currency as pay for gigs, suspectedly used for illegal payment transactions and money laundering. Due to its high demand for virtual currency, Bitcoin, altcoins, ...