L-I GOP-WB Sign US$ I OOM Loan Agreement For Gov't Anti-Poverty Program The project will empower communities to Soliman of the Department of Social Welfare U he Government of the Philippines (GOP) access better services from local governments; and Development, which will implement and the World Bank recently signed a loan improve local governance by strengthening the project. agreement for the US$100-million loan for formal and informal institutions to become More than 5,300 barangays in 193 the KALAHI-Comprehensive and Integrated more inclusive, accountable, and effective; muicipalities n 40 of the poorest provices Delivery of Social Services (KALAHI- and provide resources for community nalitie are te torest province CIDSS) Project. investment programs, which will be designed, nationwide are expected to benefit from the KALAHI, which stands for Kapit-Bisig implemented, and managed by local project. These will be mostly in the rural Laban sa Kahirapan or "linking hands in communities. the fight against poverty," is the national "The Bank's strategy for the Philippines is The KALAHI Program aims to redistribute anti-poverry program of the Philippine built on twin pillars-promoting growth physical and resource assets to the poor, government. CIDSS is one of the and enabling people, especially the poor, to improve access to basic edulcation, health government's most successful anti-poverty participate fully in development," Country a electricity, boost activities n agrculture and programs Director Robert Vance Pulley said The eles and actviteseed cultur and The loan agreement for the project, approved project supports the second pillar by giving and small businesses of the poor, strengthen in September by the WB Board of Executive influence over decisions and resources to polincal participanon and cultural expression Directors, was signed by Finance Secretary local communities. i poor communities; and reduce the Isidro Camacho and WB Country Director "The project articulates the principles of vulnerability of the poor to the effects of Robert Vance Pulley empowerme'nt where people create and build economic shocks and disasters. The KALAHI-CIDSS Project will help the their own future," said Secretary Corazon (07 2 government strengthen the capacity of local communities to design, implement and manage development projects such as roads and bridges, village schools, clinics, water supply and sanitation facilities. ' , "The project will promote good governance, r la"o . transparency, participation with local level decision making, and increased A accountability as communities gain hands- x on experience in managing projects," said <- 4 ' Cyprian Fisiy, World Bank Task Team Leader ir for the project. 7 2 _ L (From left) Bhuivan Bhatinagar, WB Senior Social Scientist, WB Country Director Robert Vanice Pulley, Finance Secretary Isidro Camacho, and Social Welfare and Development Secretary Corazon Soliman *WB-Govt Sign Loan for SEMP lI p2 e Meet the Bank's New Staff p6-7 In This Issue New Look for RPWebsite p3 Seminar on KDC p7 Updates on WB Prolects p4-5 *World Development Report 2003 p8 c - WB-Gov't Sign Loan Agreement for Social Expenditure Management Project More Textbooks and Classrooms for Schools, Drugs for Health Programs The Philippine government can provide more textbooks and classrooms for school children and adequate medicine in barangay - health centers for the poor, with the approval of the US$ 100 million loan for the Second -_'-__ Social ExpendituLre Maniagement Project - (SEMP II) 1 _ "The project clearly reflects the Bank's focus on improving the quality and efficiency of v basic education, public health, and social services for the poor in the Philippines," said _ WB Country Director Robert Vance Pulley, - - who signed the loan agreement with Finance Secretary lsidio Camacho - - - -- "With thie government's tight fiscal condition, efficienciy and effectiveness of public sector resulting in savings of US$20 million for the the loani is timely as it seeks to support and agencies through strengthened procurement government protect the national btidget for sociai services," and finiancial management, improved allocation As of Jtly 2002, the first SEMP built 155 new and use of resources, improvement in the work classrooms, repaired 13,400 classrooms, he added ' relevant aeencres a3id itacreased environment of relevant agences, and icreased delivered 103,000 desks and chairs to schools, The loan agreement for SEMP 11 was signed transparency, accotintability and iesponsiveness and trained 17,500 teachers recently by the government and the World through public expenditure tracking Bank SEMP 11 aims to help the government The project will be implemented by the Moreover, the project helped nearly 700,000 improve the delivery of basic education, public Deprtments of Edcain entelfare families in 6,000 barangays It also helped the health, and social services for the poor Department, of Puc Work e and government operate and maintain residential In particular, the project will help the Highways, under the oversight and support of and community-based centers, which served Fmore than 28,600 personis and helped 430,000 government increase the availability of the Department of Btidget and Management families who were victims of calamities, as well textbooks, build new classrooms, anid provide SEMP 11 btlilds on the achievements of the as 77,000 distressed and disadvantaged persons drugs for public health programs It will also first SEMP, wvhich was also supported by the support barangay-centered activities for social Bank with US$ I 00-million loan The first Ways to improve the quality and services in poor municipalities SEMP, for instance, helped improve the efficiency of providing basic Furthermore, SEMP 11 aims to enhance the procurement of textbooks, desks and chairs, social services for the poor * Improve planning, procurement and trackinig for key inputs such as textbooks and drugs l) I GOP-WB Sign LoanAgreementforAnti-Poverty Program * Continue and institutionalize the medium- It will also introduce the following innovations-an open menu for selection of project activities, and long-term program for systems and selection of proposals through an inter-barangay competitive forum, community management of process improvements begun in SEMP I project funds, including community contracting, and deepening of facilitation and broadening m Cover additional areas expensditure project ~~~~~~~~~~~~~~~~~~~~~~~managemenit improvemenit suich as teacher of transparency requirements deploymnent and drug regulatory systems CIDSS is one of the social services progranms being supported by the Bank's First Social Expenditure StIpport the government and civil society in Management Project (SEMP I) It aims to reduce the unmet minimum basic nceds of poor families developing transparenicy and aCeCointability Management Project (SEMP I) It aims to t~~~~~~~~~hrough budget analysis, public expenditure such as health, food and nutrition, clothing, shelter, water and sanitation, income and livelihood tracking, and client feedback After eight years of implementation, CIDSS now covers 1,084 municipalities and 3,893 barangays 5-r SEslP Pr1y,PJPif, 2 WBNews WB RP'sWebsite Has New Look and Feel - Philippines ___a ,d.,,,. ,7o ,.,S4l%97 pSpptO*, |007 r - Unveiled during the launch of the L2' vo _ AKnowledge/or Development Center (KD C), IjJ-- ; !_ 1l 1 1If fafrf7ttwRa - the website has been revamped to make it I. _bgnOS nno more user-friendly. .flLJ2L L Li f;.4 £jLjJ± 0 1 -o -,dd_a.sN E r. 1 0,fgss T a>n71. 0 W~~~~~~~fld U4,~,,Iyi7.t l.7*,p, 0s, A~ .... ... , ,,C,. by ...fl.......p,,O,bflr ............,,,, ,2eodAn 09* _ ~~~~~~~~L - f2~-^-SDsns et a L e el i t t Sot 1 6Ho¢nd tur ....Ah.....L..P.. . . .. ns.for.t.e.site.i nc. l ngt FOnaelhse n.r* odLIcedtheBatik T he Wrl Ban Plipiesesten LIP its cnet ahi adng ierctv to me b)sts colicke "ecome,"M which (ww wrdakogp)as reenl fetrs gve me quc iformto v dn abot tIphe Bnk raL :chd, sporing a2 n ew lotoknd feeat and waisdoes ithPilipie and |GD&'tha et is vrn iiiii a to th Wol Ban Hee' so! i Infeedback frmpoesiias aots h ol Group~~~~~~~~~~~~~~~~~~tg sit Uneie during the glabncl eof at d Stidelcnts wh aetid h iewe the Knowledge for Dev elopmnt Cntpoer od they viste the Wol BalsKC* n- Eda lfo,2 KDC) it has benreapd tmakit soofnformtin o the World Ba nk Art Direto 11|11 ~ ~ ~ ~ ~ ~ ~~~~i loae on thgiLi flo ofoa th Tasurmnge n Opani Ags |e e compJDhlpicate waid inforemationt wooase Iorde PsgCiy hl ink a thr But th32nk shol have witnhomepage Plans for the ste nclude beefing Fortunately, the se int e d theBank T he World Bank Philippinles xvebsire tip its content and adding interactive to me I just clicked "Welcome," which (www worldbank org.ph) was recently features. gave me quick informaton abour the Bank relaunched, sporting a new look and feel and what is does the Philippines and that is very similar to the World Bank Here's some feedback from professonals around the world Group site Unveiled during the launch of and stidents who have tried the site when the Knowledge for Development Center they visited the World Bank's KDC, a one- Edmar Villanlor, 23 (KDC), it has been revamped to make t stop of informatilon on the World Bank Art Director more user-friendly and other development literature KDC BCD-Pinpoint Direct Marketing, Inc. is located on the giouad loor of the Talpan The site's content structure used to be Place, Emerald Avenue, Orilgas Center, "It's easy to navigate the site because all the complicated and information was hidden pasig C jty.slinks aie there But the inks should have within the site, With Its reorganized icons so that the user can easily find the content, users can now easily find the information he's looking for" information they need wilthi three clcks C,eerly Rosal, 20 of the mouse. Links that take users out of 4t year, UP Diliman Johannalyn Razon, 18 the WB PH website have been given 3rd year, PUP context, makng it easier for users to figure "The content is presented and written out what it is about simply so it is easily understood Also, "The content of the site is relevant to the accessing Bank reports and documents is course I'm raking (BS Business Economics), Unlike the old websire, almost all content quick and easy because it uses the Global particularly the informationl on the is now in HTML Most press releases have JoIs system If I'm researchig about a Phiippine economy--histoical printer-friendly versions and news articles particular subject, I'll just have to type the background, current situation, and soc are archived for easy reference Downlloads keywords in the search " economic data and indicators. indicate file type and size so users willi have an idea how much time it xviii take them Eliseo Gonzales Jr., 22 to get it. And if users are interested in Graduate student, UE receiving site tipdates by e-mail, they can fill our a form available from the sire's "I don't know much about the Bank 3 Helping Improve the Poor's Living Conditions The World Bank has been helping the Philippines reduce poverty, which often affects the most vulnerable-families, women, children, the youth. It has supported government projects that aim to increase the access of the poor to basic social services like education, health, shelter, water and electricity. Featured here are some of these projects, which have made a difference in the lives ofpoor Filipinos. ComwpeTa#ve Wads mean1 ghdG qug#2y,R With the passage of the law privatizing team agteed to putchase textbooks thtough . '' L / 1 _ the production of textbooks for public international competitive bidding. l - 33 schools in 1996, the government invited The results of the bidding were highly private Filipino publishers to accredit their favorable, allowing the government to save , . books by the Department of Education US$4 million (out of an estimated bidding Investing in (DepEd) for selection as textbooks of US$10 million) This meant more The law aims to end a government books for more schoolchildren. Prices were children's education monopoly and open the textbook industry lower by 40%, falling from P40-65 per in the provinces to competition But poor implementationi book to the negotiated prices of P25-40 of the law resulted in the protection of a per book Moreover, the quality of content Through the Third Elementary few suppliers who delivered low quality and paper was superior to those produced Education Program, the government has and high-priced textbooks Owing to the before international competitive bidding helped the most disadvantaged schools and increased cost of textbooks from negotiated was introduced communities in 26 poor provinces, with prices, the number of textbooks to pupil Today, some 50 million textbooks have 1,908 new classrooms built and 2,5 14 ratio dropped to as low as one textbook been acquired under TEEP and the Social classrooms repaired to eight pupils Expenditure Management Project, raising Over 7 million textbooks and teacher's A Bank-financed Third Elementary textbook distribution from I book to 4 manuals in four subjects-English, Math, Education Project (TEEP) had funds children to I book to 2 children The Science and Filipino-have been delivered available for textbooks but required Bank now helps the government formulate to the provinces, which have also received competitive bidding With the support of a long-term textbook policy and plan the 63,035 standard school and classroom kits, officials from DepEd and the Department distribution, tracking and use of textbooks A total of 2,134 in-service training courses of Budget and Management, the project in the classroom have been conducted involving 54,565 teachers and school administrators m . $ i Furthermore, the program's School T ~~~~~~~Improvement Innovation Facilrty has awar-ded ? - C\^ X 1,574 grants for projects that aim to improve 4 ( £ reading comprehension and develop indigenous teaching materials. With these accomplishments, the government has improved its capacity to raise learning achievements and expand ., , _ ___ . access to quality public education at the primary level Easy, affordable screen method for cervical cancer Cervical cancer is the second most common to womeni than the Pap smear Called the cancer among Filipino womiien, next to bieast Acetic Acid Wash Method (AAW), it can be cancer Abotit 10 in every 100,000 wvomen easily perforned by almost anyone, in ailmost - , * r- die of cervical cancer withiin a five-year aniy settinig, using only a light source, a period Further, two-thirds of women] speculuIm, acetic acid such as vinegar, and, diagnosed with cervical cancer aie in the optionally, a gynoscope Only positive cases advanced stage, where mortality is high using AAW will be referred for Pap smear, Early detection, which can be done through hence reducing the number of Pap smear a Pap smear test, greatly reduces the incidence tests of cervical cancer However, most women The DOH now seeks the issuance of a health , . tenid to avoid the Pap snmear test because of policy adopting the use of AAW in thc p its invasive nature and cost screening of cervical cancer The Philippine Under the Bank-supported Women's Health Society of Cervical Pathology and Colposcopy, the Society of Gynecologic Oncologists of the Philippines. and the Xm Department of Health (DOH) pilot-tested Philippine Obstetrics and Gynecologic an alterinative scieeniig method for cervical Society have expressed support for the cancer that costs less and is mnore acceptable scieening method. - - Clean, safe water 24 hours a day for Magdalena folks Meeting the needs of Adequate water supply is a problem in The LGUUWSP, which is financed by an families in conflict- many places in Metro Manila In some areas, Adaptable Program Loan from the Bank. afflicted areas water services are often restrcted to less aims to help LGUs improve and sustain the than one hour a day and in others, water is provision of water, sanitation, drainage and Ex generally unsafe to drink other environmental services to their people. pandng the access of war victims to basic It also seeks to help LGUs improve their social services is the thrList of the Special Just a two-hour drive from Manila, a town capacity for planning and management of Zone for Peace and Development called Magdalena in Laguna has been relying water and sanitation services (SZOPAD) Social Fund, a Bank-assisted on a spring well in a nearby town, Liliw, as its water source for the past 80 years Juanita Resureccion, a 58-year old housewife project that aims to alleviate poverty n poor Constructed in the 1 920s, the old water from Barangay Ibabang Butnong, says and conflict-affected areas, particularly in system has deteriorated through the years "Ginhawa kami sa bagong water system Mindaniao and Palawan The quality of water has worsened because Buong araw may tubig kami sa bahay Di of contamination and old leaking or busted kagaya dati na 30 minutes lang sa isang araw NY ith the SZOPAD Social Ftid, more pipes The water has been found to contain dumating ang tubig " Her family uses the children can attend school as 453 new harmful bacteria that can cause diarrhea, water for cooking, bathing, and washing classrooms have been built and 46 have been gastroentertis, and parasitism and service dishes and clothes renovated Education accounts for the biggest was available for just 30 minutes a dayTo chunk at 47% of all completed subprojects, meet their water supply needs, most families . reflecting SZOPAD's and the Bank's priority bought extra water at P I 00 per 20-liter '\ -t of giving children wider opportunity to have container and washed their clothes in a river- a b fuur several kilometers away from the communrty Early this year, a part of the town cut its . Water supply and sanitation projects make pipes from the old water source and - C up 19% of completed subprojects wlhile connected itself to a new water source , health projects share 6% Pre- and post- developed within the town Built through , ¶; _ harvest facilities, mostly of warelhouses, funds borrowed from the Bank-supported i - account for 17%. The rest are rural roads Local Government Unit Urban Water and commulity development projects Close and Sanitation Project (LGUUWSP), ^ to 450 inrastructure subprojecrs *ere the new waterworks system now serves - c e b more than 2,000 homes in nine barangays MT 5 p Get to Know the Bank's New Staff Mary has been working at the Bank since 1992, "However, the contradictions are healthy and with four years in the Field Office in Indonesia they keep us questioning our institutional and over six years at the headquarters in values and our objectives." ~w~ ' _ Washington DC. In Indonesia, she was the Community Development Specialist for the She adds that the Bank is an iteresting place Rural Water Supply Group and at the HQ, to work in because of the great diversity of she was a Social Development Specialist cultures and professional backgrounds. "The - ~ responsible for social development and social most rewarding aspect of my work is being safeguard compliance for Bank projects across able to meet with people at the grassroots and all sectors in the East Asia region. learning from them." Before joining the Bank, Mary had worked What does she do after office hours? MARY JUDD extensively in East Asia for more than 15 years "Unfortunately, I continue working because I Mindanao Coordinator as a research fellow; community development am such a workaholic. However, I hope that specialist; Fulbright Senior Researcher; being in the Philippines will detract me from "The most rewarding aspect of my work development consultant for bilateral and working long hours because of all the wonderful is being able to meet with people at the multilateral donors; program coordinator for new places for me to explore, people to meet, grass roots and learningifrom them. " a major international NGO; and Peace Corps and all the shopping malls to see," she relates. Mary Judd joined in September the WBOM's trainer. Mary likes to collect antiques, paintings, ethnic Environment and Social Unit as the Mindanao "It's a challenge to work for the Bank because weavings and shawls. Coordinator. She will task manage the ARNIM there are a lot of contradictions within it, such She has a Ph.D. in Economic Anthropology Social Fund Project, liaise with the government as, it is both a research and an operational from the University of California at and ARMM stakeholders, and facilitate donor institution, there are both academics and coordination. project-oriented people within it," she says. Berkeley, USA. Specialist or Project Officer for Mindanao. new perspective, a feeling of being on the She will provide support to Bank task teams outside looking in on my own country, on working on Mindanao, including the ARMM Mindanao. And this time, with a much clearer ltSE * t> Social Fund Project. She will also liaise with view," she says. "The job is very challenging the government and ARMM stakeholders, because I need to be able to communicate -OA g_ support donor coordination, and contribute through the assistance provided by the Bank , , to the Bank's knowledge management in Mindanao, that the Bank means activities related to Mindanao. development, not debts; that the Bank is not fqwl+ I -Before joining the Bank, Miriam was the about buildings, but about building peaceful, . .~# .- Director of the Promotions and Outreach self-relant communties." Department of the SZOPAD Social Fund She continues: "The job is especially MIRIAM PAHM for three years. The SZOPAD Social Fund is meaningful to me because I am from Project Coordinator for Mindanao / a Bank-assisted project for conflict affected Mindanao and I have seen the face of war in National Mindanao Specialist communities in 14 provinces and 9 cities in the conflict-affected communities I have "I netbeaetcmMindanao. worked with. For me, working for the Bank 'I need to be able to communicate through the assistance provided by the She also headed the Project Management is not just another prestigious job, but an Bank in Mindanao, that the Bank means Unit of the South Cotabato / Sarangani / opportunity to make a difference." development, not debts; that the Bank is General Santos City (SOCSARGEN)Area Miriam likes reading books and listening to not abot buildings, but about buildin. g Development Project for four years. This was music. "I have no skills for ballgames, so I go peacefil, self-reliant communities." an USAID-assisted project which built major for ballroom dancing," she says. infrastructure including roads, airport, sea She has a Ph.D. in Agronomy from Cornell Miriam Pahm joined the Environment and and fishports and other facilities 'in University, USA ad an MS in Microbiology Social Unit of the World Bank Office Manila SOCSARGEN. from the University of the Philippines at Los on August 5, 2002 as the National Mindanao "Working for the Bank gives me an entirely Bafios, Laguna. 6 -~~~ ~ ~ ~ ~ ~ ~~~~~~~~~ - Seminar on KDC & Depository Libraries Vs1 .__ j 1 . FE TIMONERA I Financial Management Specialist "The most satsfying part of mnyjoh is that at the end of the day, the results of what l'i I do will touch the lives of many people." Fe Tirnonera had been a consultant to the Bank for tvo years before she joined the Bank A three-day seminar-workshop for information management, and provide fLill-time in November 2001 as a financial libratians of the World Bank's linkages to all depository libraries managemenir specialist At the Manila office, Knowledge for Development Centers she performs two functions-as a disbursemenit (KDC) and depository libraries in the Meanwhile, the unversities will help officer and as a finanicial management specialist was held on September 9 promote the Banks knowledge sharing for Bank-assisted projects IIppInes efforts by holding forums on the role A certified public accountant with an MBA part2cipants from the Banys 10 KDCs of KDCs anid depository libraries degree, Fe has 25 years of experience m finafcial and depository libraries all over the The speakers during the semliar- management, auditng, and management naagmn, auiig idnaaeittcountry workshop included WB Senior Public consultancy Before she and her husbanid-an electrical engineer-formed a small The seminar-workshop aimed to inform Information Officer Veronique management consultancy firm, she was a The par-works op eabl to Bank' Danforth, Dean Josie Sison of the UP partner in Fernandez, Santos & Lopez for three thewparticipant netablis the Institute of Library Science, WB years and had worked witlh Price Waterhouse knowledge sharing network i the Economist Rajashree Paralkar, External for 10 yeais. country. It also helped understand its Relations Officer Leonora Gonzales, She said she joined the Bank because "the Bank role in reducing poverty and and Public Information Assistant is the Bank, where I will be both professionally contribution to knowledge sharing. Charito Sanalila Country Director and financially satisfied " She adds "I work logousand getitonman agallysatisfiedSe mydownactDuring the seminar, the participants Robert Vance Pulley welcomed the long hours aind get to manage mly own activities as I am held accountable for my output " learned the role of KDCs and depository participants. libraries in the Bank's knowledge sharing rBttems aiFigpr fm jo ista efforts and gained practical knowledge at the end of the day, the results of what I do will touch the lives of many people,"she on the management of KDCs and emphasizes depository libraries The participants To prepare herself for a stressful day at the also acquainted themselves on the Bank's Bank, where she spends more than nine hours program of assistance in the Philippines. each day, five days a week, Fe works out at the The partcipants are expected to help -i gym for an hour, at least three tinmes a week ce on t i , ~~~~~~~~clhetits on their miformation needs > {3 Tz- , After office, she goes straight home to San through the KDCs and depository Pedro, Laguna, where her seven-year-old son, l ta t mng her youngest, waits for her for some tutorials i t iaC She also has a 20-year-old son and a 13-year- For its part, the Bank will continue to i -_* old daughter "After office and during support and develop depository library weekends, I'm a frill-time wife and mother. I spporta e p de positor ira cook I go to the market I enjoy the company projects, provide more trang for i of my family" librarians on KDC management, tipdate I' - -___* depository libraries with new developments related to WB a .7 -1 14 il 01, I IWorld Development Report 2003: Sustainable Development in a Dynamic World -^ r . ~ Arugutst 2002 250 pages - J,s; The report explains that niisguided policies obtain secure land tenure, as well as access to and wveak governance in the past decades have education, healthi care, and othei basic services. contributed to environmental disasters, income t The report stresses that the burden of inequality, and social upheaval in some El-' -coutirresftenrsitg in d P deprivatio, be shared locally, nationally, and globally, L_ riots, refugees fleemig famine or civil wars thus. It continues "Many poor people depend on The governments of rich and developing fragile natural resources to sirvive Similarly, paDcepation and substanrive ded ocracy countries should act now to avert a growing truIst between individuals, which cani be eroded inclusiveness and transparency as they buld risk of severe damage to the environment and or destroyed by civil unrest, is a social asset profound social unrest if they want the global with important economic benefits It enables the institutions needed to manage their economy grow four times in the next 50 years, people to make agreements and undertake resources according to the World Development Report transactions that would otherwise not be * Rich countries need to increase aid, cut poor 2003 (WDR 2003) possible Development policies need to be country debts, open their markets to exporters more sharply focused on protecting these in developing countries, and help transfer "ather keyn vicisot act clnow to iniate virtunatural and social assets " technologies needed to prevent diseases, rather than VICIOUS cycles - to create constituencies for sustainability ..Much will Thus, the WDR 2003 suggests new alliances increase energy efficiency and boost be possible if we plant now the seeds of at the local, national, and global levels to agricultural productvity. adaptive, durable institutions that respond to address these problems. "'rhe burden for * Civil society can contribute by serving as a the interests of all citizens," the report stresses development must be shared more widely voice for dispersed interests and provide Rich countries must further open their markets independent verification of public, private Thgreport d estimates thaduct bil' 2050athe wo s and cut agricultural subsidies that depress and non-governmental performance gross domestic product will reach US$140 trillion and its population will increase to 9 incomes ofThird World farmers, and they * Private firms can contribute by committing billion "Without better policies and must increase the flow of aid, medicines, and themselves to sustain their daily operatiois institutions social and eiivironmental strain ew technologies to develoiping countries and create incentives to pursue their interests may derail development progress, leading to The report adds that in turn, the developing while advancing environmental and social higher poverty levels and a decline in the countries must become more accountable and objectives. quality of life for everybody," it emphasizes transparent and ensure that poor people can S To orderWorld Bank Group publications. Asian Institute of Management Or vist our 24-hour online website at To borrow, contact contact Development Resour-ce Centei. www worldbank org/publications Knowledge for Development Center International Booksource Center Inc Knowledge for Development Center Ground FloorTheTaipan Place. I 1 27-A Anspolo Street Barangay Venezuela loseph R. McMicking Campus Emerald Ave, Ortigas Centet; Pasig City Makati City, Tel (632) 896-6501 / 6505 / 123 Paseo de Roxas. Makati City Tel 917-3034 I 637-5855 6507 Fax (632) 896-1741 (632) 892-401 1 loc 296 *'l'e World Bank Country Office Manila Pbce 23/F The Taipan Place Stamp Gn[av ch 0 Emerald Ave Ortigas Center, Pasig City Here InTouch is a quarterly newsletter of the World Bank Country Office Manila All correspondence may be addressed to The World Bank Country Office Manila 23/F.TheTaipan Place Emerald Ave Ortigas Center, Pasig City Tel 637-5855 to 64 Editonal Staff Robert Vance Pulley, editonal adviser Leonora A Gonzales, editor Charito C Sanalila, production assistant