Women and Men in a Credit Project: The Case of the Naga City Market Vendors

Women and Men in a Credit Project: The Case of the Naga City Market Vendors

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Photos from Women and Men in a Credit Project: The Case of the Naga City Market Vendors's post 21/04/2023

First Year Students from Bachelor in Public Administration (Group 3) were assigned to handle the case study of Naga City. This case concerns many issues for the vendors who are part of the project of Bicol Cooperative Development Center (BCDC) affiliated to NATCCO that despite the said project, they still experiencing predicaments in life. To understand more about the issues, here is a short description of the case;

The study focused on the vendors from Naga City who are part of the project, particularly the credit project for female vegetable vendors in the city public market. Also, this study tackled all the problems of the vendors; the market setup, the condition of the vendors who lived in the market already, assistance to vendors, and the collection system.

Last April 19, 2023, we presented our case study along with the solutions we have made and our takeaways about the study using the Highlights, Hindsights, Foresight, and Insights methods.

HIGHLIGHTS:
• ASSISTANCE TO VENDORS
Originally, the borrowers could pay PlO a week to the treasurer elected by the group formed by the DSWD. However, this created problems when the treasurer failed to remit some of her collections to the DSWD. The auditor-elect claimed that whenever she wanted to check the treasurer's records, the treasurer or her records were not available. In their desire to ensure that their payments would be properly recorded by the DSWD, the borrowers bypassed the treasurer and settled their accounts directly at the DSWD office in the market.

• FAMILIES IN THE MARKET
The market was their only home. Here, they slept using folding beds or, as beds, benches, or table booths cleared of produce. They also ate (often buying cooked food from nearby carinderia or food stalls), bathed, and did their ablutions here. Here, too, babies grew up and people grew old.
At a young age, women whose natal families cultivated small farms began helping, their mothers sell the various products of their farm or agricultural goods which they bought from farmers in their village. They joined their mothers in the market after school or during weekends and school holidays.
When the children grew older, they were sent to the closest public school, but they were drawn early into market-related work: minding the store; running errands and/or carrying water and other small parcels for other vendors for a small fee; slicing jackfruits, unripe papaya, and other vegetables; or grating coconut to make a life for customers easier.

• COST AND COLLECTION SYSTEM
Because transactions were conducted at the BCDC office, several women complained that each had to spend ₱2 every time for jeepney fare in addition to the ₱15 “interest.” They saw these costs as too big for the size of the loan. Some wanted the BCDC to send one of its personnel to collect from them, preferably daily; others, however, preferred to pay at the BCDC office if only to show the BCDC who the good payers and the delinquent ones were.

INSIGHTS:
The situation that vendors in Naga City Market went through can give them a lot of lessons in life. The essentials of knowing how to raise a child, how to determine who’s trustworthy or not, the significance of education, and many more. Simple things, but if we analyze them thoroughly we’ll find out how important are these in our life.
As students who have read and analyzed the case of Naga City Market Vendors, we learned that education is truly significant in a person. No one can take it away from an individual. As Public Administration students, we must learn how to manage not just our time, money, and resources around us, but we must also learn how to manage people, know how they might think, and how to interact with different people who have various attitudes. Improve our leadership skills and show how dedicated we are to be public servants.

HINDSIGHTS:
• ASSISTANCE TO VENDORS
- Lack of supervisions in the treasurer

• FAMILIES IN THE MARKET
- Lack of support from government
- The parents are irresponsible because why they let their children to minding the store at a young age.

• COST AND COLLECTION SYSTEM
- Lack of knowledge

FORESIGHTS:
• ASSISTANCE TO VENDORS
- Superior positions should have a conversation regarding to what happened. That would become as a 1st warning. If the treasurer can’t fill his duty again, then suppension should be uplifted.

• FAMILIES IN THE MARKET
- The government should make a program called “PABAHAY” and educational asisstance to their children.
- Give the parents an stable job that can’t no longer their children minding their stores.

• COST AND COLLECTION SYSTEM
- General Assembly/Symposium. Superior must have general assembly/symposium to explain to the vendors, so that they can understand that the ₱15 is not an interest but savings deposit that is credited to their account.
- Vendors should elect a representative from their fellow vendors to pay in BCDC. In that, per week has an assigned vendor to pay for a fare. Take note: that is alternate.

As we continue to learn more about this case study, we are hoping for our future readers that they inculcate all the lessons presented above and might use them for their future endeavors.

We would like also to Thank Dr. Jhamie Tets Infante-Mateo for the supervision and enlightenment during our presentation.

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