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The ANALYST

The Official Publication of BSBA-Financial Management

29/07/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗦𝗔𝗥) 𝗥𝗶𝘆𝗮𝗹, (𝗕𝗡𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿 𝗮𝗻𝗱 (𝗜𝗗𝗥) 𝗥𝘂𝗽𝗶𝗮𝗵 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁e

The Saudi Riyal, Brunei Dollar, and Indonesian Rupiah exchange rates as of July 26, 2024, were 15.5646 PHP for Saudi Riyal, 43.3089 PHP for Brunei Dollar and 0.0036 PHP for Indonesian Rupiah accordance with the Bangko Sentral ng Pilipinas (BSP).

𝐖𝐡𝐚𝐭 𝐦𝐞𝐚𝐬𝐮𝐫𝐞𝐬 𝐡𝐚𝐬 𝐭𝐡𝐞 𝐜𝐞𝐧𝐭𝐫𝐚𝐥 𝐛𝐚𝐧𝐤 𝐭𝐚𝐤𝐞𝐧 𝐫𝐞𝐜𝐞𝐧𝐭𝐥𝐲 𝐭𝐨 𝐬𝐭𝐚𝐛𝐢𝐥𝐢𝐳𝐞 𝐭𝐡𝐞 𝐏𝐇𝐏 𝐞𝐱𝐜𝐡𝐚𝐧𝐠𝐞 𝐫𝐚𝐭𝐞?
Central banks employ several strategies to mitigate inflationary pressures on the national currency. One key approach is adjusting interest rates; raising them can reduce borrowing and spending, which helps lower inflation. They also engage in open market operations by buying or selling government securities to influence the money supply. Increasing reserve requirements for banks limits the amount of money available for lending, which can curb inflation. Additionally, central banks may intervene in foreign exchange markets to stabilize the national currency's value. Issuing clear monetary policy statements helps manage market expectations and reduce uncertainty. Other measures include managing liquidity conditions, setting inflation targets to anchor expectations, implementing macroprudential regulations to ensure financial system stability, and coordinating with government fiscal policies to create a cohesive economic strategy.

1 SAR = 15.5646 PHP
1 BND = 43.3089 PHP
1 IDK = 0.0036 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘭𝘺𝘴𝘴𝘢 𝘔𝘰𝘯𝘵𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

26/07/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | Price Freeze in Metro Manila due to Typhoon Carina

Due to typhoon Carina and southwest monsoon (habagat), Metro Manila is under the state of calamity. The Department of Trade and Industry (DTI) announced a price freeze on basic necessities like rice, meat, eggs, medicine etc. that aims to prevent the increase of price until the calamity ends.

DTI Secretary Fred Pascual said, "𝙏𝙝𝙚 𝙥𝙧𝙞𝙘𝙚 𝙛𝙧𝙚𝙚𝙯𝙚, 𝙚𝙛𝙛𝙚𝙘𝙩𝙞𝙫𝙚 𝙞𝙢𝙢𝙚𝙙𝙞𝙖𝙩𝙚𝙡𝙮, 𝙖𝙞𝙢𝙨 𝙩𝙤 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙘𝙤𝙣𝙨𝙪𝙢𝙚𝙧𝙨 𝙛𝙧𝙤𝙢 𝙪𝙣𝙟𝙪𝙨𝙩 𝙥𝙧𝙞𝙘𝙚 𝙞𝙣𝙘𝙧𝙚𝙖𝙨𝙚𝙨 𝙙𝙪𝙧𝙞𝙣𝙜 𝙩𝙝𝙞𝙨 𝙩𝙞𝙢𝙚 𝙤𝙛 𝙘𝙧𝙞𝙨𝙞𝙨."

“𝙒𝙚 𝙖𝙧𝙚 𝙘𝙤𝙢𝙢𝙞𝙩𝙩𝙚𝙙 𝙩𝙤 𝙚𝙣𝙨𝙪𝙧𝙞𝙣𝙜 𝙩𝙝𝙖𝙩 𝙗𝙖𝙨𝙞𝙘 𝙜𝙤𝙤𝙙𝙨 𝙧𝙚𝙢𝙖𝙞𝙣 𝙖𝙛𝙛𝙤𝙧𝙙𝙖𝙗𝙡𝙚 𝙖𝙣𝙙 𝙖𝙘𝙘𝙚𝙨𝙨𝙞𝙗𝙡𝙚 𝙩𝙤 𝙖𝙡𝙡 𝙖𝙛𝙛𝙚𝙘𝙩𝙚𝙙 𝙧𝙚𝙨𝙞𝙙𝙚𝙣𝙩𝙨,” he added.

There are penalties to those who will violate the law, including imprisonment and fines. Under the price Act, during the calamities prices of basic necessities are automatically frozen for 60 days.

Source: https://business.inquirer.net/471267/dti-orders-price-freeze-in-metro-manila-amid-state-of-calamity

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘻𝘪𝘢 𝘔𝘢𝘦 𝘉𝘦𝘯𝘰𝘴𝘢
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

22/07/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗦𝗔𝗥) 𝗥𝗶𝘆𝗮𝗹, (𝗕𝗡𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗜𝗗𝗥) 𝗥𝘂𝗽𝗶𝗮𝗵 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁e

The Saudi Arabian Riyal, Brunei Dollar and Indonesian Rupiah exchanges rates as of July 19, 2024, were 15.5342 PHP for Saudi Arabian Riyal, 43.2194 PHP for Brunei Dollar and 0.0036 PHP for Indonesian Rupiah in accordance with the Bangko Sentral ng Pilipinas (BSP).

𝐇𝐨𝐰 𝐝𝐨 𝐜𝐚𝐩𝐢𝐭𝐚𝐥 𝐟𝐥𝐨𝐰𝐬 𝐚𝐧𝐝 𝐟𝐨𝐫𝐞𝐢𝐠𝐧 𝐝𝐢𝐫𝐞𝐜𝐭 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐢𝐧𝐟𝐥𝐮𝐞𝐧𝐜𝐞 𝐞𝐱𝐜𝐡𝐚𝐧𝐠𝐞 𝐫𝐚𝐭𝐞𝐬 𝐢𝐧 𝐞𝐦𝐞𝐫𝐠𝐢𝐧𝐠 𝐦𝐚𝐫𝐤𝐞𝐭𝐬?
Capital flows and foreign direct investment (FDI) significantly affect exchange rates in emerging markets. FDI can strengthen the local currency by attracting foreign investors who exchange their currency for domestic currency. However, its effects are complex, as it can stimulate growth, increase imports, and potentially pressure the exchange rate. Despite this, FDI can also enhance a country's competitiveness and contribute to long-term exchange rate stability. Emerging markets are particularly vulnerable to capital flow reversals, emphasizing the need for sound economic policies to manage exchange rate volatility.

1 SAR = 15.5342 PHP
1 BND = 43.2194 PHP
1 IDR = 0.0036 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘒𝘺𝘭𝘢 𝘊𝘺𝘳𝘪𝘭 𝘕𝘢𝘤𝘢𝘳𝘪𝘰
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

19/07/2024

𝗗𝗔𝗬 𝟯 𝗢𝗙 𝗛𝗔𝗞𝗕𝗔𝗡𝗚 𝟮𝟬𝟮𝟰 𝗦𝗨𝗖𝗖𝗘𝗦𝗦𝗙𝗨𝗟𝗟𝗬 𝗖𝗢𝗡𝗖𝗟𝗨𝗗𝗘𝗦

As the third and final day of ""𝐇𝐀𝐊𝐁𝐀𝐍𝐆 𝟐𝟎𝟐𝟒: 𝐀 𝐒𝐭𝐞𝐩 𝐓𝐨𝐰𝐚𝐫𝐝𝐬 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐯𝐞 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐚𝐧𝐝 𝐆𝐞𝐧𝐮𝐢𝐧𝐞 𝐒𝐞𝐫𝐯𝐢𝐜𝐞" wraps up today, July 19, 2024, participants gained valuable insights into the processes and requirements for conducting activities in their organizations, further enriching their growth as student leaders.

The morning session featured an action planning workshop where student leaders prepared their action plans for the upcoming academic year 2024-2025. In the afternoon, they presented their crafted action plans, with Hon. Charles Michael G. Salas providing critiques and suggestions, helping them refine their strategies and improve their plans.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴

19/07/2024

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

"𝐇𝐀𝐊𝐁𝐀𝐍𝐆 𝟐𝟎𝟐𝟒: 𝐀 𝐒𝐭𝐞𝐩 𝐓𝐨𝐰𝐚𝐫𝐝𝐬 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐯𝐞 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐚𝐧𝐝 𝐆𝐞𝐧𝐮𝐢𝐧𝐞 𝐒𝐞𝐫𝐯𝐢𝐜𝐞," enters its third and final day. Hosted by CSPC- Student Affairs and Services, student leaders proudly wear their Hakbang 2024 shirts and are currently having their Action Planning Workshop at the CSPC Auditorium today, July 19, 2024.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴

18/07/2024

𝗗𝗔𝗬 𝟮 𝗢𝗙 𝗛𝗔𝗞𝗕𝗔𝗡𝗚 𝟮𝟬𝟮𝟰: 𝗔 𝗦𝗧𝗘𝗣 𝗧𝗢𝗪𝗔𝗥𝗗𝗦 𝗧𝗥𝗔𝗡𝗦𝗙𝗢𝗥𝗠𝗔𝗧𝗜𝗩𝗘 𝗟𝗘𝗔𝗗𝗘𝗥𝗦𝗛𝗜𝗣 𝗔𝗡𝗗 𝗚𝗘𝗡𝗨𝗜𝗡𝗘 𝗦𝗘𝗥𝗩𝗜𝗖𝗘

The second day of the event was attended by the CSPC student organizations, including the two organizations from BSBA-FM, The ANALYST and Junior Financial Executives - CSPC Chapter, successfully kicked off today, July 18, 2024. Student leaders were able to hear some knowledgeable and informative discussions to enhance their leadership skills and financial stewardship.

It is attended by four professional speakers: Mr. Eugene N. Eclar, JD, talked about 𝐁𝐚𝐥𝐚𝐧𝐜𝐢𝐧𝐠 𝐀𝐮𝐭𝐨𝐧𝐨𝐦𝐲 𝐚𝐧𝐝 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲: 𝐃𝐞𝐟𝐢𝐧𝐢𝐧𝐠 𝐁𝐨𝐮𝐧𝐝𝐚𝐫𝐢𝐞𝐬 𝐟𝐨𝐫 𝐈𝐧𝐝𝐞𝐩𝐞𝐧𝐝𝐞𝐧𝐭 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐋𝐞𝐚𝐝𝐞𝐫𝐬. Ms. Angelika P. Ngo, CPA, DIT, discussed 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐒𝐭𝐞𝐰𝐚𝐫𝐝𝐬𝐡𝐢𝐩: 𝐄𝐧𝐬𝐮𝐫𝐢𝐧𝐠 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐚𝐧𝐝 𝐏𝐫𝐨𝐩𝐞𝐫 𝐔𝐬𝐞 𝐨𝐟 𝐒𝐜𝐡𝐨𝐨𝐥 𝐅𝐮𝐧𝐝𝐬 𝐢𝐧 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧𝐬. Engr. Gerald A. Turiano discussed 𝐀𝐜𝐡𝐢𝐞𝐯𝐢𝐧𝐠 𝐁𝐚𝐥𝐚𝐧𝐜𝐞 𝐀𝐧𝐝 𝐏𝐚𝐯𝐢𝐧𝐠 𝐓𝐡𝐞 𝐖𝐚𝐲 𝐅𝐨𝐫𝐰𝐚𝐫𝐝: 𝐌𝐚𝐧𝐚𝐠𝐢𝐧𝐠 𝐀𝐜𝐚𝐝𝐞𝐦𝐢𝐜 𝐄𝐱𝐜𝐞𝐥𝐥𝐞𝐧𝐜𝐞 𝐚𝐧𝐝 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐂𝐨𝐦𝐦𝐢𝐭𝐦𝐞𝐧𝐭𝐬 𝐖𝐡𝐢𝐥𝐞 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐢𝐧𝐠 𝐏𝐨𝐬𝐭-𝐋𝐞𝐚𝐝𝐢𝐧𝐠 𝐏𝐚𝐭𝐡𝐰𝐚𝐲𝐬 𝐟𝐨𝐫 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐋𝐞𝐚𝐝𝐞𝐫𝐬. Lastly, Dr. April Z. Luzon discussed 𝐀𝐜𝐭𝐢𝐨𝐧 𝐏𝐥𝐚𝐧𝐬: 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬 𝐟𝐨𝐫 𝐒𝐮𝐜𝐜𝐞𝐬𝐬 𝐢𝐧 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘻𝘪𝘢 𝘔𝘢𝘦 𝘉𝘦𝘯𝘰𝘴𝘢
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢

18/07/2024

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

The second day of "𝐇𝐀𝐊𝐁𝐀𝐍𝐆 𝟐𝟎𝟐𝟒: 𝐀 𝐒𝐭𝐞𝐩 𝐓𝐨𝐰𝐚𝐫𝐝𝐬 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐯𝐞 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐚𝐧𝐝 𝐆𝐞𝐧𝐮𝐢𝐧𝐞 𝐒𝐞𝐫𝐯𝐢𝐜𝐞," hosted by the CSPC- Student Affairs and Services, is currently underway at the CSPC Auditorium today, July 18, 2024.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴

18/07/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | PhilHealth's Latest Financial Action Excludes Member Contributions

The Philippine Health Insurance Corporation (PhilHealth) announced on Tuesday, July 16, 2024, that the funds transferred to the national government are not made up of members' contributions. PhilHealth issued the statement in response to a health reform advocate who raised concerns about the fund transfer.

In a text message to ABS-CBN News, PhilHealth Corporate Affairs Vice President Rey Baleña mentioned that they consulted with several agencies regarding the fund transfer. The funds being sent come from the National Government's unused portion of the subsidy given to PhilHealth by the General Appropriations Act (GAA) for Indirect Contributors.

In alignment with the National Government’s mission and directive to invest in the country’s economic growth and development, especially in government infrastructure and social programs.

Source: https://news.abs-cbn.com/business/2024/7/16/funds-from-contributions-of-paying-members-not-included-in-philhealth-fund-transfer-exec-1445

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘉𝘪𝘢𝘯𝘤𝘢 𝘐𝘴𝘢𝘣𝘦𝘭 𝘑𝘢𝘤𝘰𝘣𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

17/07/2024

𝗗𝗔𝗬 𝟭 𝗢𝗙 𝗛𝗔𝗞𝗕𝗔𝗡𝗚 𝟮𝟬𝟮𝟰 𝗪𝗥𝗔𝗣𝗦 𝗨𝗣 𝗪𝗜𝗧𝗛 𝗜𝗡𝗦𝗜𝗚𝗛𝗧𝗙𝗨𝗟 𝗟𝗘𝗔𝗗𝗘𝗥𝗦𝗛𝗜𝗣 𝗧𝗔𝗟𝗞𝗦

Student leaders from different organizations, including members of The ANALYST and the Junior Financial Executives - CSPC Chapter, engaged in insightful discussions crucial for their development as leaders and organizational members, as HAKBANG 2024: A Step Towards Transformative Leadership and Genuine Service successfully kicked off its first day today, July 17, 2024. The event was hosted by the CSPC- Student Affairs and Services, headed by Dr. Jay L. Luzon, SASO Director.

Mr. Franz Kiven Astibe, the first resource speaker, discussed topics on '𝐀𝐥𝐢𝐠𝐧𝐢𝐧𝐠 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐰𝐢𝐭𝐡 𝐏𝐮𝐫𝐩𝐨𝐬𝐞: 𝐄𝐦𝐛𝐞𝐝𝐝𝐢𝐧𝐠 𝐒𝐜𝐡𝐨𝐨𝐥 𝐌𝐢𝐬𝐬𝐢𝐨𝐧 𝐚𝐧𝐝 𝐕𝐢𝐬𝐢𝐨𝐧 𝐢𝐧 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧𝐬' and '𝐁𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐒𝐲𝐧𝐞𝐫𝐠𝐲: 𝐂𝐨𝐥𝐥𝐚𝐛𝐨𝐫𝐚𝐭𝐢𝐯𝐞 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐟𝐨𝐫 𝐚 𝐓𝐡𝐫𝐢𝐯𝐢𝐧𝐠 𝐒𝐜𝐡𝐨𝐨𝐥 𝐄𝐧𝐯𝐢𝐫𝐨𝐧𝐦𝐞𝐧.' Meanwhile, Ms. Ma. Kiara Sapinoso-Deligencia, the second resource speaker, delivered a talk on '𝐂𝐡𝐚𝐫𝐚𝐜𝐭𝐞𝐫-𝐃𝐫𝐢𝐯𝐞𝐧 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩: 𝐂𝐮𝐥𝐭𝐢𝐯𝐚𝐭𝐢𝐧𝐠 𝐑𝐞𝐬𝐩𝐞𝐜𝐭 𝐚𝐧𝐝 𝐈𝐧𝐭𝐞𝐠𝐫𝐢𝐭𝐲 𝐢𝐧 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧𝐬.'

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴 𝘢𝘯𝘥 𝘔𝘢𝘳𝘪 𝘑𝘶𝘴𝘵𝘪𝘯𝘦 𝘗𝘢𝘱𝘢𝘳𝘦𝘴

17/07/2024

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

The first day of the three-day annual leadership training, titled as "𝐇𝐀𝐊𝐁𝐀𝐍𝐆 𝟐𝟎𝟐𝟒: 𝐀 𝐒𝐭𝐞𝐩 𝐓𝐨𝐰𝐚𝐫𝐝𝐬 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐯𝐞 𝐋𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐚𝐧𝐝 𝐆𝐞𝐧𝐮𝐢𝐧𝐞 𝐒𝐞𝐫𝐯𝐢𝐜𝐞," hosted by the CSPC- Student Affairs and Services, is currently underway at the CSPC Auditorium today, July 17, 2024.

This event is being attended by student leaders from various recognized and accredited organizations of the institution.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴

15/07/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗦𝗚𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗔𝗨𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗕𝗛𝗗) 𝗗𝗶𝗻𝗮𝗿 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁e

The Singaporean Dollar, Australian Dollar and Bahraini Dinar exchange rates as of July 12, 2024, were 43.4185 PHP for Singaporian Dollar, 39.3920 PHP for Australian Dollar and 156.6530 PHP for Bahraini Dinar accordance with the Bangko Sentral ng Pilipinas (BSP).

𝐖𝐡𝐚𝐭 𝐦𝐞𝐚𝐬𝐮𝐫𝐞𝐬 𝐡𝐚𝐬 𝐭𝐡𝐞 𝐜𝐞𝐧𝐭𝐫𝐚𝐥 𝐛𝐚𝐧𝐤 𝐭𝐚𝐤𝐞𝐧 𝐫𝐞𝐜𝐞𝐧𝐭𝐥𝐲 𝐭𝐨 𝐬𝐭𝐚𝐛𝐢𝐥𝐢𝐳𝐞 𝐭𝐡𝐞 𝐏𝐇𝐏 𝐞𝐱𝐜𝐡𝐚𝐧𝐠𝐞 𝐫𝐚𝐭𝐞?
In recent months, the Bangko Sentral ng Pilipinas (BSP) has implemented a series of measures aimed at stabilizing the Philippine Peso (PHP) exchange rate, including proactive foreign exchange interventions to manage liquidity in the market and moderate currency fluctuations. Additionally, the BSP has adjusted key policy rates strategically to influence capital flows and support the PHP, while also providing forward guidance to ensure transparency and manage market expectations effectively. These efforts underscore the BSP's commitment to maintaining exchange rate stability amidst external economic uncertainties and safeguarding the country's macroeconomic stability.

1 SGD = 43.4185 PHP
1 AUD = 39.3920 PHP
1 BHD = 154.6530 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘭𝘺𝘴𝘴𝘢 𝘔𝘰𝘯𝘵𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

11/07/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | MANY WORKERS IN NCR WILL BENEFIT THE RISE OF MINIMUM WAGE UP TO P34

NEDA Secretary Arsenio Balisacan stated during the palace press briefing that the minimum wage in the National Capital Region (NCR) will increase to 35 pesos that could affect 40,000 to 140,000 workers around NCR that will slightly raise the unemployment rate.

In addition, the reason is to match the inflation and maintains workers' purchasing power without harming the economy. The National Wages and Productivity Commission's decision, announced it on July 1 and will take effect 15 days after publication.

The barangay Micro Business Enterprises are exempt under Republic Act No. 9178 and those small businesses and affected by the natural disaster.

Source: https://www.gmanetwork.com/news/money/economy/912751/neda-p35-ncr-minimum-wage-hike-to-affect-at-least-40-000-workers/story/

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘻𝘪𝘢 𝘔𝘢𝘦 𝘉𝘦𝘯𝘰𝘴𝘢
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

07/07/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗛𝗞𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗖𝗛𝗙) 𝗙𝗿𝗮𝗻𝗰, (𝗖𝗔𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁e

The Hong Kong Dollar, Swiss Franc and Canadian Dollar exchange rates as of July 5, 2024, were 7.5096 PHP for Hong Kong Dollar, 65.1734 PHP for Swiss Franc and 43.0818 PHP for Canadian Dollar accordance with the Bangko Sentral ng Pilipinas (BSP).

𝐈𝐧 𝐰𝐡𝐚𝐭 𝐬𝐜𝐞𝐧𝐚𝐫𝐢𝐨𝐬 𝐦𝐢𝐠𝐡𝐭 𝐚 𝐜𝐮𝐫𝐫𝐞𝐧𝐜𝐲 𝐩𝐞𝐠 (𝐟𝐢𝐱𝐞𝐝 𝐞𝐱𝐜𝐡𝐚𝐧𝐠𝐞 𝐫𝐚𝐭𝐞) 𝐛𝐞 𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞𝐨𝐮𝐬 𝐨𝐫 𝐝𝐢𝐬𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞𝐨𝐮𝐬 𝐟𝐨𝐫 𝐚 𝐜𝐨𝐮𝐧𝐭𝐫𝐲'𝐬 𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐬𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐚𝐧𝐝 𝐠𝐫𝐨𝐰𝐭𝐡 𝐩𝐫𝐨𝐬𝐩𝐞𝐜𝐭𝐬?
A currency peg stabilizes exchange rates, benefiting businesses with reduced uncertainty in international transactions and anchored inflation expectations; however, it limits monetary policy flexibility, exposes economies to external shocks and speculative pressures, and can lead to currency misalignment affecting export competitiveness and trade balances.

1 HKD = 7.5096 PHP
1 CHF = 65.1734 PHP
1 CAD = 43.0818 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘭𝘺𝘴𝘴𝘢 𝘔𝘰𝘯𝘵𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

07/07/2024

𝗥𝗲𝘀𝘂𝗹𝘁𝘀 𝗥𝗲𝗹𝗲𝗮𝘀𝗲𝗱: 𝗖𝗦𝗣𝗖 𝗕𝗦𝗕𝗔-𝗙𝗠 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 𝗪𝗲𝗹𝗰𝗼𝗺𝗲𝘀 𝟭𝟬𝟵 𝗡𝗲𝘄 𝗦𝘁𝘂𝗱𝗲𝗻𝘁𝘀

Following the meticulous BSBA-FM Profiling and Qualifying Interview held on June 21, 2024, at the CSPC Graduate School Multi-Purpose Hall, the BSBA FM Program proudly announces the list of accepted applicants for the academic year 2024-2025.

Out of 231 hopeful student applicants who took the profiling and qualifying interview, 109 individuals have been selected to join the CSPC community. This includes 105 first-year students and 4 transferees, marking a significant milestone in their academic journey.

Furthermore, accepted applicants are encouraged to complete their enrollment promptly to secure their place at CSPC and prepare for the upcoming academic year.

𝑪𝒍𝒊𝒄𝒌 𝒉𝒆𝒓𝒆 𝒕𝒐 𝒔𝒆𝒆 𝒕𝒉𝒆 𝒓𝒆𝒔𝒖𝒍𝒕: https://www.facebook.com/100095057557226/posts/332161236629126/

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘳𝘭𝘦𝘯𝘦 𝘔𝘢𝘵𝘢𝘺𝘢
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

04/07/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | SENATORS CALL FOR WAGE LEGISLATION AND CALL THE P35 NCR HIKE INSUFFICIENT

Senate leaders pressed for a pay adjustment through legislation on Tuesday, claiming that a P35 increase in the National Capital Region's minimum wage is insufficient to assist workers with their living expenditures. As stated by Sen. Juan Miguel 'Migz' Zubiri, the P35 daily increase in the minimum wage is egregiously insufficient to cover the escalating expenses of daily life, reaching impoverished households.

The Senate will keep supporting the idea that daily wage earners benefit greatly from even a slight decline in profits, provided that it does not force enterprises into bankruptcy. Pay Order NCR-25, issued by the NCR pay board on June 27, 2024, raised the minimum wage for workers outside of agriculture from P610 to P645 per hour. The minimum wage was increased from P573 to P608 for workers in the agricultural sector, service and retail businesses with 15 or fewer employees, and manufacturing businesses with fewer than 10 regular employees.

Source: https://news.abs-cbn.com/business/2024/7/2/senators-push-for-legislated-increase-after-finding-p35-minimum-wage-increase-in-ncr-too-low-1322

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘉𝘪𝘢𝘯𝘤𝘢 𝘐𝘴𝘢𝘣𝘦𝘭 𝘑𝘢𝘤𝘰𝘣𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

03/07/2024

𝗕𝗦𝗕𝗔-𝗙𝗠 𝗠𝗮𝗸𝗲𝘀 𝗣𝗿𝗼𝗴𝗿𝗲𝘀𝘀 𝗧𝗼𝘄𝗮𝗿𝗱 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗖𝗲𝗿𝘁𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻

The recently concluded visit by the Commission on Higher Education Regional Quality Assessment Team (CHED RQAT) for the Certificate of Program Compliance (COPC) application of the Bachelor of Science in Business Administration major in Financial Management (BSBA-FM) marks another significant event in the program’s pursuit of excellence.

"𝙏𝙝𝙚 𝙫𝙞𝙨𝙞𝙩 𝙤𝙛 𝙩𝙝𝙚 𝘾𝙃𝙀𝘿 𝙍𝙌𝘼𝙏 𝙛𝙤𝙧 𝙩𝙝𝙚 𝙙𝙤𝙘𝙪𝙢𝙚𝙣𝙩 𝙧𝙚𝙫𝙞𝙚𝙬 𝙖𝙣𝙙 𝙖𝙨𝙨𝙚𝙨𝙨𝙢𝙚𝙣𝙩 𝙝𝙖𝙨 𝙜𝙧𝙚𝙖𝙩 𝙞𝙢𝙥𝙤𝙧𝙩𝙖𝙣𝙘𝙚 𝙨𝙞𝙣𝙘𝙚 𝙞𝙩 𝙞𝙨 𝙖 𝙣𝙚𝙘𝙚𝙨𝙨𝙖𝙧𝙮 𝙨𝙩𝙚𝙥 𝙞𝙣 𝙜𝙚𝙩𝙩𝙞𝙣𝙜 𝙩𝙝𝙚 𝘾𝙚𝙧𝙩𝙞𝙛𝙞𝙘𝙖𝙩𝙚 𝙤𝙛 𝙋𝙧𝙤𝙜𝙧𝙖𝙢 𝘾𝙤𝙢𝙥𝙡𝙞𝙖𝙣𝙘𝙚. 𝙏𝙝𝙞𝙨 𝙥𝙧𝙤𝙘𝙚𝙨𝙨 𝙞𝙨 𝙘𝙧𝙪𝙘𝙞𝙖𝙡 𝙩𝙤 𝙚𝙣𝙨𝙪𝙧𝙚 𝙩𝙝𝙚 𝘽𝙎𝘽𝘼-𝙁𝙈 𝙥𝙧𝙤𝙜𝙧𝙖𝙢 𝙨𝙖𝙩𝙞𝙨𝙛𝙞𝙚𝙨 𝙩𝙝𝙚 𝙚𝙙𝙪𝙘𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙘𝙧𝙞𝙩𝙚𝙧𝙞𝙖 𝙨𝙩𝙖𝙩𝙚𝙙 𝙗𝙮 𝙩𝙝𝙚 𝘾𝙃𝙀𝘿, 𝙖𝙡𝙩𝙝𝙤𝙪𝙜𝙝 𝙬𝙚 𝙝𝙖𝙫𝙚 𝙣𝙤𝙩 𝙮𝙚𝙩 𝙗𝙚𝙚𝙣 𝙜𝙧𝙖𝙣𝙩𝙚𝙙 𝙩𝙝𝙚 𝘾𝙊𝙋𝘾 𝙖𝙣𝙙 𝙢𝙪𝙨𝙩 𝙘𝙤𝙢𝙥𝙡𝙮 𝙬𝙞𝙩𝙝 𝙨𝙤𝙢𝙚 𝙢𝙞𝙣𝙞𝙢𝙪𝙢 𝙘𝙧𝙞𝙩𝙚𝙧𝙞𝙖. 𝙍𝙚𝙖𝙘𝙝𝙞𝙣𝙜 𝘾𝙊𝙋𝘾 𝙨𝙩𝙖𝙩𝙪𝙨 𝙬𝙞𝙡𝙡 𝙫𝙖𝙡𝙞𝙙𝙖𝙩𝙚 𝙩𝙝𝙚 𝙦𝙪𝙖𝙡𝙞𝙩𝙮 𝙤𝙛 𝙤𝙪𝙧 𝙘𝙪𝙧𝙧𝙞𝙘𝙪𝙡𝙪𝙢, 𝙚𝙣𝙝𝙖𝙣𝙘𝙚 𝙞𝙩𝙨 𝙘𝙧𝙚𝙙𝙞𝙗𝙞𝙡𝙞𝙩𝙮, 𝙖𝙣𝙙 𝙜𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚 𝙤𝙪𝙧 𝙨𝙩𝙪𝙙𝙚𝙣𝙩𝙨 𝙖 𝙝𝙞𝙜𝙝-𝙦𝙪𝙖𝙡𝙞𝙩𝙮 𝙚𝙙𝙪𝙘𝙖𝙩𝙞𝙤𝙣 𝙘𝙤𝙢𝙥𝙡𝙞𝙖𝙣𝙩 𝙬𝙞𝙩𝙝 𝙣𝙖𝙩𝙞𝙤𝙣𝙖𝙡 𝙨𝙩𝙖𝙣𝙙𝙖𝙧𝙙𝙨," said Mr. Roque B. Cruz II, Program Chair of BSBA-FM.

This progress would not have been possible without the collaborative efforts and dedication of the BSBA-FM faculty members and the CSPC community.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴

02/07/2024

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

The Commission on Higher Education Regional Quality Assessment Team (RQAT) is currently at the CSPC Boardroom today, July 2, 2024, for the Certificate of Program Compliance (COPC) application of the Bachelor of Science in Business Administration major in Financial Management program through the leadership of Mr. Roque B. Cruz II, BSBA-FM program chair, and Ms. Christine Margoux Sirios. The document review and assessment are being conducted by Ms. Ma. Sharie A. Bailon, Education Supervisor from CHED RO V, along with Dr. Debbie A. Adriano, a member of the CHED RQAT.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴

27/06/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | USE OF THE CARD PAYMENT METHOD RISES UP TO 3.4 TRILLION THIS YEAR

GlobalData foresees the rise of using cards for payment in the Philippines by 17.2 percent to 3.4 trillion this year due to consumer shift towards digital payment method with the annual rate of 15.1 percent and will reach up to 6 trillion by 2028.

The central bank's Digital Payments Transformation Roadmap, smaller bank branches, and micro-banking offices are supporting the growth of digital payment which is aiming to make 50% payments digital and will include 70% of Filipino adults in the financial system. Moreover, the debit card is used more for low-to-medium value payments.

Shivani Gupta, senior banking and payments analyst at GlobalData said, cash is the most popular payment method in the Philippines but due to consumer electronic payments awareness, financial institutions have improved the payment method to cards and risen in recent years.

Source: https://www.philstar.com/business/2024/06/26/2365694/philippines-credit-card-payments-hit-p34-trillion-year/amp

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘻𝘪𝘢 𝘔𝘢𝘦 𝘉𝘦𝘯𝘰𝘴𝘢
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

24/06/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗨𝗦𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗝𝗬𝗣) 𝗬𝗲𝗻, (𝗚𝗕𝗣) 𝗣𝗼𝘂𝗻𝗱 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁

Thr United States Dollar, Japan Yen and United Kingdom Pound exchanges rates as of June 21, 2024, were 58.7850 PHP for United States Dollar, 0.3699 PHP for Japan Yen and 74.4217 PHP for United Kingdom Pound in accordance with the Bangko Sentral ng Pilipinas (BSP).

𝙃𝙤𝙬 𝙙𝙤 𝙚𝙭𝙥𝙚𝙘𝙩𝙖𝙩𝙞𝙤𝙣𝙨 𝙖𝙗𝙤𝙪𝙩 𝙛𝙪𝙩𝙪𝙧𝙚 𝙚𝙭𝙘𝙝𝙖𝙣𝙜𝙚 𝙧𝙖𝙩𝙚𝙨 𝙞𝙢𝙥𝙖𝙘𝙩 𝙘𝙪𝙧𝙧𝙚𝙣𝙩 𝙚𝙘𝙤𝙣𝙤𝙢𝙞𝙘 𝙙𝙚𝙘𝙞𝙨𝙞𝙤𝙣𝙨, 𝙨𝙪𝙘𝙝 𝙖𝙨 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩 𝙤𝙧 𝙗𝙤𝙧𝙧𝙤𝙬𝙞𝙣𝙜 𝙞𝙣 𝙛𝙤𝙧𝙚𝙞𝙜𝙣 𝙘𝙪𝙧𝙧𝙚𝙣𝙘𝙞𝙚𝙨?
Currency forecasts steer investment choices! Investors flock to currencies expected to strengthen, anticipating a bigger return when converting back. Conversely, if a currency is expected to weaken, investments might be delayed or even involve borrowing that currency to buy it cheaper later. This back-and-forth based on expectations can even influence the exchange rate itself. Similarly, businesses can leverage these forecasts by borrowing in a currency expected to weaken, reducing their repayment burden when converted back to their home currency.

1 USD = 58.7850 PHP
1 JPY = 0.3699 PHP
1 GBP = 74.4218 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘒𝘺𝘭𝘢 𝘊𝘺𝘳𝘪𝘭 𝘕𝘢𝘤𝘢𝘳𝘪𝘰
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

21/06/2024

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

The Bachelor of Science in Business Administration Major in Financial Management Profiling and Qualifying Interview 2024 is currently underway at the CSPC Graduate School Multipurpose Hall, today, June 21, 2024. The student applicants, who consist of waitlisted, shifters, transferees, automatic admissions, and qualified student applicants, are being interviewed by Mr. Roque B. Cruz II and Ms. Christine Margoux M. Sirios, core faculty members of the BSBA FM program.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘳𝘭𝘦𝘯𝘦 𝘔𝘢𝘵𝘢𝘺𝘢
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘈𝘭𝘭𝘰𝘳𝘥𝘦

20/06/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | SSS INVITES PUBLIC TO JOIN NEW PENSION BOOSTER PROGRAM

The Social Security System (SSS) is urging the public to take part in MySSS Pension Booster, a retirement savings initiative designed to enhance the financial stability of Filipinos.

As stated by Joy Villacorta, the Social Security System (SSS) President for Benefits Administration Division, the regular SSS program is compulsory, whereas the MySSS Pension Booster is voluntary.

The MySSS program will increase the retirement payout that they are eligible for under the Regular SSS Program. It is seen as a convenient, tax-free, safe investment opportunity that allows the member to earn income from their contributions, helping them reach their retirement savings target and live comfortably.

Source: https://news.abs-cbn.com/business/2024/6/18/sss-encourages-public-to-participate-in-pension-booster-program-1717

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘉𝘪𝘢𝘯𝘤𝘢 𝘐𝘴𝘢𝘣𝘦𝘭 𝘑𝘢𝘤𝘰𝘣𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

19/06/2024

𝗜𝗡 𝗣𝗛𝗢𝗧𝗢𝗦

The Investiture of Dr. Amado A. Oliva Jr. as the 6th SUC President of Camarines Sur Polytechnic Colleges (CSPC) took place today, June 19, 2024, at the CSPC Gymnasium.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘉𝘪𝘴𝘶ñ𝘢
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘙𝘰𝘲𝘶𝘦 𝘉. 𝘊𝘳𝘶𝘻 𝘐𝘐

17/06/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗧𝗪𝗗) 𝗡𝗧 𝗗𝗼𝗹𝗹𝗮𝗿 𝗮𝗻𝗱 (𝗩𝗘𝗦) 𝗕𝗼𝗹𝗶𝘃𝗮𝗿 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁𝗲

The New Taiwan Dollar and Venezuela Bolivar exchange rates as of June 14, 2024, were 1.8127 PHP for New Taiwan Dollar and 1.6123 PHP for Venezuela Bolivar in accordance with the Bangko Sentral ng Pilipinas (BSP).

𝗛𝗼𝘄 𝗱𝗼 𝗴𝗲𝗼𝗽𝗼𝗹𝗶𝘁𝗶𝗰𝗮𝗹 𝗲𝘃𝗲𝗻𝘁𝘀 𝗮𝗻𝗱 𝗲𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗶𝗻𝗱𝗶𝗰𝗮𝘁𝗼𝗿𝘀 𝗶𝗻𝗳𝗹𝘂𝗲𝗻𝗰𝗲 𝗲𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗿𝗮𝘁𝗲 𝗺𝗼𝘃𝗲𝗺𝗲𝗻𝘁𝘀?
Geopolitical events and economic indicators are pivotal drivers of exchange rate movements, exerting significant influence on the global currency markets. Geopolitical uncertainties, such as political instability and trade tensions, can increase market risk perception, prompting investors to flock to safe-haven currencies and leading to their appreciation. Meanwhile, economic indicators like interest rates, GDP growth, employment data, and inflation rates play crucial roles in shaping currency values. Central bank policies, economic performance, and inflation levels all contribute to determining the strength or weakness of a currency. The intricate interplay between these geopolitical and economic factors underscores the complex nature of exchange rate dynamics, requiring careful monitoring and analysis to navigate the ever-changing landscape of international finance.

1 TWD = 1.8127 PHP
1 VES = 1.6123 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘭𝘺𝘴𝘴𝘢 𝘔𝘰𝘯𝘵𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

13/06/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | BSP NEW PROPOSED WAYS TO REFUND THE FAILED INSTAPAY AND PESONET TRANSACTION

Bangko Sentral ng Pilipinas (BSP) has a new offer for Philippine banks that any failed fund transfer must quickly respond starting in January 2025. No fees for failed transactions but the fees that are already paid must be returned, PESOnet must happen the refund within two hours while for InstaPay is within one hour. This new way is more faster than the current 2-3 banking days. Banks give until January 1, 2025 to prepare for the changes.

These new rules are seen in BSP Circular No. 1195 on the Consumer Redress Mechanism Standards for Account-to-Account Electronic Fund Transfers. These rules were approved by the Monetary Board on May 30.

“𝙏𝙝𝙚𝙨𝙚 𝙥𝙚𝙧𝙞𝙤𝙙𝙨 𝙖𝙧𝙚 𝙨𝙞𝙜𝙣𝙞𝙛𝙞𝙘𝙖𝙣𝙩𝙡𝙮 𝙨𝙝𝙤𝙧𝙩𝙚𝙧 𝙩𝙝𝙖𝙣 𝙩𝙝𝙚 𝙘𝙪𝙧𝙧𝙚𝙣𝙩 𝙧𝙚𝙨𝙥𝙤𝙣𝙨𝙚 𝙩𝙞𝙢𝙚 𝙤𝙛 𝙢𝙤𝙨𝙩 𝙥𝙖𝙧𝙩𝙞𝙘𝙞𝙥𝙖𝙣𝙩𝙨, 𝙬𝙝𝙞𝙘𝙝 𝙪𝙨𝙪𝙖𝙡𝙡𝙮 𝙩𝙖𝙠𝙚𝙨 𝙖𝙧𝙤𝙪𝙣𝙙 𝙩𝙬𝙤 𝙩𝙤 𝙩𝙝𝙧𝙚𝙚 𝙗𝙖𝙣𝙠𝙞𝙣𝙜 𝙙𝙖𝙮𝙨,” the BSP said in a press release on Tuesday, June 11.

Sources:
https://www.rappler.com/business/bangko-sentral-orders-quicker-refunds-failed-instapay-pesonet-transactions/ #:~:text=The%20Bangko%20Sentral%20ng%20Pilipinas,money%20to%20the%20sender's%20account.

https://www.bsp.gov.ph/Regulations/Issuances/2024/1195.pdf

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘻𝘪𝘢 𝘔𝘢𝘦 𝘉𝘦𝘯𝘰𝘴𝘢
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

11/06/2024

𝗧𝗵𝗲𝗔𝗡𝗔𝗟𝗬𝗦𝗧 𝗠𝗮𝘆 𝟮𝟬𝟮𝟰 𝗜𝘀𝘀𝘂𝗲 𝗶𝘀 𝗡𝗼𝘄 𝗔𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲!

We're pleased to announce that the Volume 1, Issue No. 2 of TheANALYST Newsletter is now available online! Explore the latest updates, insights, and happenings from the BSBA Financial Management program.

Access your copy now!

𝗦𝗶𝗺𝗽𝗹𝗲𝗯𝗼𝗼𝗸𝗹𝗲𝘁 𝗙𝗹𝗶𝗽: https://simplebooklet.com/theanalystnewslettermay20241

𝗚𝗼𝗼𝗴𝗹𝗲 𝗗𝗿𝗶𝘃𝗲: https://drive.google.com/file/d/1KiAuNiVTwW0RxKvCMbh6SxUMZWoFBKn_/view?usp=drivesdk

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

10/06/2024

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

Today, June 10, 2024, at the CSPC Auditorium, another milestone has been achieved as we celebrate the 41st Charter Anniversary of Camarines Sur Polytechnic Colleges (CSPC), which continues to provide the best quality education and excellence for the students and community with a theme of "𝐂𝐒𝐏𝐂 𝐓𝐑𝐀𝐍𝐒𝐂𝐄𝐍𝐃𝐒 @𝟒𝟏."

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘳𝘪𝘻𝘪𝘢 𝘔𝘢𝘦 𝘉𝘦𝘯𝘰𝘴𝘢
𝘗𝘩𝘰𝘵𝘰𝘴 𝘣𝘺 𝘙𝘰𝘲𝘶𝘦 𝘉. 𝘊𝘳𝘶𝘻 𝘐𝘐

10/06/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗭𝗔𝗥) 𝗥𝗮𝗻𝗱, (𝗦𝗘𝗞) 𝗞𝗿𝗼𝗻𝗲𝗿, (𝗦𝗬𝗣) 𝗣𝗼𝘂𝗻𝗱 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁𝗲

The South African Rand, Sweden Kroner, and Syrian Pound exchange rates as of June 07, 2024, were 3.0947 PHP for South African Rand, 5.6495 PHP for Sweden Krones and 0.0045 PHP for Syrian Pound in accordance with the Bangko Sentral ng Pilipinas (BSP).

𝙃𝙤𝙬 𝙘𝙖𝙣 𝙨𝙤𝙢𝙚𝙤𝙣𝙚 𝙩𝙧𝙖𝙘𝙠 𝙝𝙞𝙨𝙩𝙤𝙧𝙞𝙘𝙖𝙡 𝙚𝙭𝙘𝙝𝙖𝙣𝙜𝙚 𝙧𝙖𝙩𝙚𝙨 𝙩𝙤 𝙞𝙙𝙚𝙣𝙩𝙞𝙛𝙮 𝙩𝙧𝙚𝙣𝙙𝙨 𝙖𝙣𝙙 𝙥𝙤𝙩𝙚𝙣𝙩𝙞𝙖𝙡𝙡𝙮 𝙥𝙧𝙚𝙙𝙞𝙘𝙩 𝙛𝙪𝙩𝙪𝙧𝙚 𝙢𝙤𝙫𝙚𝙢𝙚𝙣𝙩𝙨 𝙩𝙝𝙖𝙩 𝙢𝙞𝙜𝙝𝙩 𝙗𝙚 𝙛𝙖𝙫𝙤𝙧𝙖𝙗𝙡𝙚 𝙛𝙤𝙧 𝙩𝙧𝙖𝙫𝙚𝙡?
To identify favorable exchange rates for your travels, track historical data using financial websites, central bank websites, or currency exchange services. Look for long-term trends, seasonal variations, and upcoming economic events that might impact the currencies involved. While predicting the future is difficult, this analysis can help you decide if waiting for a better rate might be beneficial. Set alerts to be notified when the rate hits your target, and remember to consider economic forecasts alongside historical trends for a more well-rounded picture. By being informed, you can increase your chances of getting the most value out of your travel budget.

1 ZAR = 3.0947 PHP
1 SEK = 5.6495 PHP
1 SYP = 0.0045 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘒𝘺𝘭𝘢 𝘊𝘺𝘳𝘪𝘭 𝘕𝘢𝘤𝘢𝘳𝘪𝘰
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

06/06/2024

𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗡𝗘𝗪𝗦 | May Inflation Surges as Electricity Fuel Costs Spike

On Monday, June 5, 2024, the Philippine Statistics Authority (PSA) reported that inflation climbed for the fourth month in a row in May, fueled by rising electricity and fuel costs. The consumer price index increased to 3.9 percent, up from 3.8 percent in April.

Additionally, the PSA reported that inflation for housing, water, electricity, gas, and other fuels accelerated to 0.9 percent in May, up from 0.4 percent in April.

"𝙒𝙚 𝙬𝙞𝙡𝙡 𝙘𝙤𝙣𝙩𝙞𝙣𝙪𝙚 𝙩𝙤 𝙛𝙞𝙣𝙙 𝙨𝙪𝙥𝙥𝙡𝙮-𝙨𝙞𝙙𝙚 𝙨𝙤𝙡𝙪𝙩𝙞𝙤𝙣𝙨 𝙩𝙤 𝙝𝙚𝙡𝙥 𝙢𝙖𝙣𝙖𝙜𝙚 𝙩𝙝𝙚 𝙥𝙧𝙞𝙘𝙚 𝙞𝙣𝙘𝙧𝙚𝙖𝙨𝙚𝙨 𝙤𝙛 𝙤𝙩𝙝𝙚𝙧 𝙘𝙤𝙢𝙢𝙤𝙙𝙞𝙩𝙞𝙚𝙨 𝙖𝙣𝙙 𝙠𝙚𝙚𝙥 𝙞𝙣𝙛𝙡𝙖𝙩𝙞𝙤𝙣 𝙬𝙞𝙩𝙝𝙞𝙣 𝙩𝙝𝙚 𝙩𝙖𝙧𝙜𝙚𝙩 𝙧𝙖𝙣𝙜𝙚 𝙞𝙣 𝙩𝙝𝙚 𝙢𝙤𝙣𝙩𝙝𝙨 𝙩𝙤 𝙘𝙤𝙢𝙚," Socioeconomic Planning Secretary Arsenio Balisacan said in a statement.

Source: https://news.abs-cbn.com/business/2024/6/4/inflation-rises-to-3-9-percent-in-may-1844

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘉𝘪𝘢𝘯𝘤𝘢 𝘐𝘴𝘢𝘣𝘦𝘭 𝘑𝘢𝘤𝘰𝘣𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

03/06/2024

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗡𝗭𝗗) 𝗡𝗲𝘄 𝗭𝗲𝗮𝗹𝗮𝗻𝗱, (𝗡𝗢𝗞) 𝗡𝗼𝗿𝘄𝗮𝘆, (𝗣𝗞𝗥) 𝗣𝗮𝗸𝗶𝘀𝘁𝗮𝗻 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁𝗲

The New Zealand Dollar, Norway Kroner, and Pakistani Rupee exchange rates as of May 31, 2024, were 35.8403 for New Zealand Dollar, 5.5644 for Norwegian Krone and 0.2108 for Pakistan Rupee in accordance with the Bangko Sentral ng Pilipinas (BSP).

How do market sentiments and investor speculation influence currency exchange rates?
Market sentiments and investor speculation play a significant role in influencing currency exchange rates. When investors are optimistic about a country's economic prospects, they are more likely to buy its currency, increasing its demand and thus its value relative to other currencies. Conversely, if investors are pessimistic or uncertain, they may sell off that currency, leading to its depreciation. Speculative trading can amplify these movements, as traders attempt to profit from anticipated changes in exchange rates based on their perceptions of future economic conditions, political events, or central bank policies. Therefore, market sentiment and speculation can contribute to volatility in currency markets and drive fluctuations in exchange rates.

1 NZD = 35.8403 PHP
1 NOK = 5.5644 PHP
1 PKR = 0.2108 PHP

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘈𝘭𝘺𝘴𝘴𝘢 𝘖. 𝘔𝘰𝘯𝘵𝘦
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

30/05/2024

𝗖𝗢𝗡𝗚𝗥𝗔𝗧𝗨𝗟𝗔𝗧𝗜𝗢𝗡𝗦 𝗕𝗦𝗕𝗔-𝗙𝗠 𝗖𝗦𝗣𝗖-𝗖𝗘𝗧 𝗣𝗔𝗦𝗦𝗘𝗥𝗦!

The results for the CSPC College Entrance Test (CSPC-CET) are now out. Among the applicants, 56 are qualified for the Bachelor of Science in Business Administration major in Financial Management (BSBA-FM) program, while 34 are waitlisted.

Below is the full list of qualified and waitlisted applicants for the BSBA-FM program this AY 2024-2025.

https://drive.google.com/file/d/1lfgMwvWtdCZ1VJdFXkbznPfgfZeNg06-/view

Stay tuned for the schedule of the BSBA-FM profiling and qualifying interview.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴
𝘚𝘔𝘗 𝘣𝘺 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

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𝗪𝗔𝗧𝗖𝗛 | 22ND ASSOCIATION OF BICOL BUSINESS STUDENTS REGIONAL CONGRESS The 22nd Association of Bicol Business Students Regional Congress is currently in full swing, embracing the theme 'Navigating the Future: Digital Transformations and Cultural Dynamics in ASEAN Business.' Spanning from May 2nd to May 5th, 2024, this highly anticipated event is being attended by participants from 16 ABBS chapter schools across the Bicol region. Watch the video so you won't miss out on the insightful discussions and vibrant atmosphere of the 22nd ABBS Regional Congress 2024! "𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬" 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳𝘴: 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘉𝘪𝘭𝘣𝘢𝘰 𝘢𝘯𝘥 𝘈𝘱𝘳𝘪𝘭 𝘉𝘢𝘥𝘰𝘯𝘨 𝘕𝘦𝘸𝘴 𝘢𝘯𝘥 𝘚𝘤𝘳𝘪𝘱𝘵 𝘞𝘳𝘪𝘵𝘦𝘳𝘴: 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘉𝘪𝘴𝘶ñ𝘢 𝘢𝘯𝘥 𝘈𝘱𝘳𝘪𝘭 𝘉𝘢𝘥𝘰𝘯𝘨 𝘝𝘪𝘥𝘦𝘰𝘨𝘳𝘢𝘱𝘩𝘦𝘳𝘴: 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘈𝘭𝘭𝘰𝘳𝘥𝘦 𝘢𝘯𝘥 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳: 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯 Keep posted for events and updates by following our Official pages: The ANALYST T and The NICHE #ABBSRC2024

𝗣𝗔𝗡𝗢𝗢𝗥𝗜𝗡 | 𝗠𝗮𝗸𝘂𝗹𝗮𝘆 𝗻𝗮 𝗣𝗮𝗴𝘁𝗮𝘁𝗮𝗽𝗼𝘀 𝗻𝗴 𝗦𝗜𝗞𝗟𝗔𝗕 𝟮𝟬𝟮𝟰 Sa huling araw ng SIKLAB: CSPC Intramurals 2024, March 23, 2024, bumuhos ang sigla at kasiyahan ng mga CSPCeans. Ang pagtatapos ng SIKLAB 2024 ay naging espesyal at masigla dahil sa huling kompetisyon ng dance sports at cheer dance. Huwag nang magpahuli! Panoorin ang video at alamin ang kahanga-hangang kaganapan ng SIKLAB 2024! “𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬” 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳𝘴: 𝘈𝘯𝘨𝘦𝘭𝘪𝘯𝘦 𝘈𝘥𝘰𝘭𝘧𝘰 𝘢𝘯𝘥 𝘊𝘭𝘦𝘯𝘵 𝘑𝘶𝘴𝘵𝘪𝘯𝘦 𝘈𝘭𝘦𝘫𝘢𝘯𝘥𝘳𝘰 𝘝𝘪𝘥𝘦𝘰𝘫𝘰𝘶𝘳𝘯𝘢𝘭𝘪𝘴𝘵: 𝘎𝘭𝘦𝘯𝘥𝘰𝘯 𝘑𝘢𝘮𝘦𝘴 𝘈𝘣𝘰𝘳𝘥𝘰 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳: 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯 Keep posted for events and updates by following our Official pages: The ANALYST and The NICHE

𝗖𝗧𝗛𝗕𝗠 𝗦𝗽𝗼𝗿𝘁𝘀𝗳𝗲𝘀𝘁 𝟮𝟬𝟮𝟰, 𝗧𝗮𝗴𝗶𝘀𝗮𝗻 𝗻𝗴 𝗚𝗮𝗹𝗶𝗻𝗴 𝗮𝘁 𝗟𝗮𝗸𝗮𝘀! Sa pagpapakita ng tunay na pagkakaisa at kakayahan, nagkasama-sama ang mga mag-aaral ng iba't ibang programa sa College of Tourism, Hospitality, and Business Management (CTHBM) para sa taunang pagdiriwang ng Sportfest 2024 na pinangunahan ng CTHBM College Student Council (CSC). Aktibo ngang lumahok ang mga estudyante mula sa BSBA-FM, BSTM, BSHM, BSOA, at BSEntrep. Ang tatlong-araw na pagdiriwang ng Sportsfest ay magdudulot ng nakaaaliw na pagtatanghal at pagtutulungan sa loob ng komunidad ng CTHBM. Sama-sama nating gawing makulay at masaya ang taunang pagdiriwang na ito! "𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬" 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳𝘴: 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘉𝘪𝘭𝘣𝘢𝘰 𝘢𝘯𝘥 𝘊𝘑 𝘈𝘭𝘦𝘫𝘢𝘯𝘥𝘳𝘰 𝘕𝘦𝘸𝘴 𝘢𝘯𝘥 𝘚𝘤𝘳𝘪𝘱𝘵 𝘞𝘳𝘪𝘵𝘦𝘳𝘴: 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘉𝘪𝘴𝘶ñ𝘢 𝘢𝘯𝘥 𝘝𝘦𝘳𝘢 𝘒𝘺𝘭𝘭𝘦 𝘗𝘪𝘭𝘪 𝘝𝘪𝘥𝘦𝘰𝘨𝘳𝘢𝘱𝘩𝘦𝘳: 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘈𝘭𝘭𝘰𝘳𝘥𝘦 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳: 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘈𝘮𝘶𝘤𝘢𝘯

𝗔𝗻 𝗢𝘂𝘁𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗕𝗦𝗕𝗔-𝗙𝗠 𝗦𝘁𝘂𝗱𝗲𝗻𝘁 𝗥𝗼𝗰𝗸𝘀 𝗡𝗲𝘄𝘀 𝗔𝗻𝗰𝗵𝗼𝗿 𝗖𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗶𝗼𝗻 Ms. Micah Danielle Bilbao, a BSBA-FM Student and the TV and Radio Broadcaster of TheANALYST participated in 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧 for the News Anchor category hosted by the Universitas Muhammadiyah Puworejo, Indonesia via Zoom. The result of the competition may not have turned out in her favor. Nevertheless, the dedication that she gave in joining the competition is truly commendable. These are the schools that participated in the International Student Competition: (a) Universitas Muhammadiyah Purworejo, Indonesia, (b) Universitas Tidar, Indonesia, (c) Universitas Ahmad Dahlan, Indonesia, (d) Universiti Teknologi MARA (UiTM) Pahang, Malaysia, (e) Universiti Teknologi Malaysia (UTM), (f) Fatoni University, Thailand, (g) University of Saint Anthony, Philipines, and (h) Camarines Sur Polytechnic Colleges, Philipines. 𝐇𝐞𝐫𝐞 𝐚𝐫𝐞 𝐭𝐡𝐞 𝐰𝐢𝐧𝐧𝐞𝐫𝐬 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐍𝐞𝐰𝐬 𝐀𝐧𝐜𝐡𝐨𝐫 𝐂𝐚𝐭𝐞𝐠𝐨𝐫𝐲: 🥇 Bea Anne Michaela Calestra | University of Saint Anthony, (USANTOfficial), Philippines | Total score 283.8 🥈 Arifah Hilmi Fidihani | Universitas Muhammadiyah Purworejo, Indonesia | Total score 277.7 🥉 Frances Leona V. Tagum | University of Saint Anthony, Philippines | Total score 275.7 𝗣𝗲𝗼𝗽𝗹𝗲'𝘀 𝗖𝗵𝗼𝗶𝗰𝗲 𝗔𝘄𝗮𝗿𝗱 | Sriaji Joyo Atmojo, Universitas Tidar,Indonesia | 286 YouTube likes Furthermore, a team of dedicated individuals was behind the video. These

𝗪𝗔𝗧𝗖𝗛: 𝗔 𝗦𝘂𝗰𝗰𝗲𝘀𝘀𝗳𝘂𝗹 𝗛𝗮𝗹𝗹𝗼𝘄𝗲𝗲𝗻 𝗠𝗼𝘃𝗶𝗲 𝗦𝗰𝗿𝗲𝗲𝗻𝗶𝗻𝗴 A scream worthy and heart-pounding halloween movie screening was successfully conduced at the CSPC LRDS Audio Visual Room on October 25, 2023. The event commenced at 8:00 AM to 5:00 PM, catering a lot of CSPCean moviegoers from different departments and programs together with their classmates, friends and even their special someone. "𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬" 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳𝘴: 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘚. 𝘉𝘪𝘭𝘣𝘢𝘰 𝘢𝘯𝘥 𝘊𝘭𝘦𝘯𝘵 𝘑𝘶𝘴𝘵𝘪𝘯𝘦 𝘝. 𝘈𝘭𝘦𝘫𝘢𝘯𝘥𝘳𝘰 𝘕𝘦𝘸𝘴 𝘢𝘯𝘥 𝘚𝘤𝘳𝘪𝘱𝘵 𝘞𝘳𝘪𝘵𝘦𝘳𝘴: 𝘈𝘳𝘭𝘦𝘯𝘦 𝘚. 𝘔𝘢𝘵𝘢𝘺𝘢 𝘢𝘯𝘥 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘋. 𝘉𝘪𝘴𝘶ñ𝘢 𝘝𝘪𝘥𝘦𝘰𝘨𝘳𝘢𝘱𝘩𝘦𝘳: 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘖. 𝘈𝘭𝘭𝘰𝘳𝘥𝘦 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳: 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

𝗣𝗔𝗡𝗢𝗢𝗥𝗜𝗡 | 𝗠𝗴𝗮 𝗘𝘀𝘁𝘂𝗱𝘆𝗮𝗻𝘁𝗲 𝗻𝗴 𝗕𝗦𝗕𝗔-𝗙𝗠 𝗦𝘂𝗺𝗮𝗯𝗮𝗸 𝘀𝗮 𝗠𝗶𝗱𝘁𝗲𝗿𝗺 𝗘𝗸𝘀𝗮𝗺𝗶𝗻𝗮𝘀𝘆𝗼𝗻 Sa pagtatapos ng midterm eksaminasyon, aming nakapanayam ang ilan sa mga estudyante ng BSBA-FM upang matuklasan ang kanilang karanasan at ang kanilang naging preparasyon para sa pagsusulit na naganap simula noong Oktubre 8, 2023. Sa inyong pinakitang pagpupurgisi at dedikasyon, kami ay naniniwalang may ngiti sa inyong mga labi kapag nakita niyo na ang inyong mga marka. Good luck at huwag kalimutang magpahinga. "𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬" 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳: 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘚. 𝘉𝘪𝘭𝘣𝘢𝘰 𝘕𝘦𝘸𝘴 𝘢𝘯𝘥 𝘚𝘤𝘳𝘪𝘱𝘵 𝘞𝘳𝘪𝘵𝘦𝘳𝘴: 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘋. 𝘉𝘪𝘴𝘶ñ𝘢, 𝘊𝘭𝘦𝘯𝘵 𝘑𝘶𝘴𝘵𝘪𝘯𝘦 𝘝. 𝘈𝘭𝘦𝘫𝘢𝘯𝘥𝘳𝘰, 𝘢𝘯𝘥 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘚. 𝘉𝘪𝘭𝘣𝘢𝘰 𝘝𝘪𝘥𝘦𝘰𝘨𝘳𝘢𝘱𝘩𝘦𝘳: 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘖. 𝘈𝘭𝘭𝘰𝘳𝘥𝘦 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳𝘴: 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯 𝘢𝘯𝘥 𝘐𝘳𝘪𝘴𝘩 𝘊. 𝘝𝘪𝘭𝘭𝘢𝘳𝘢𝘻𝘢

𝗪𝗔𝗧𝗖𝗛: 𝑷𝑰𝑵𝑻𝑨-𝑲𝑨𝑰𝑺𝑨: 𝑻𝒆𝒂𝒄𝒉𝒆𝒓𝒔' 𝑫𝒂𝒚 𝟐𝟎𝟐𝟑 Under the leadership of the CSPC Supreme Student Council (SSC) and various college organizations, the Mr. and Ms. Edukasiya 2023 was successfully held during the PINTA-KAISA: Teachers Day 2023 celebration on October 5, 2023 at the CSPC Gymnasium. The CSPC students proudly wear their department color shirts to show unending support to their respective educators. 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳𝘴: 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘚. 𝘉𝘪𝘭𝘣𝘢𝘰 𝘢𝘯𝘥 𝘊𝘭𝘦𝘯𝘵 𝘑𝘶𝘴𝘵𝘪𝘯𝘦 𝘝. 𝘈𝘭𝘦𝘫𝘢𝘯𝘥𝘳𝘰 𝘕𝘦𝘸𝘴 𝘢𝘯𝘥 𝘚𝘤𝘳𝘪𝘱𝘵 𝘞𝘳𝘪𝘵𝘦𝘳𝘴: 𝘝𝘦𝘳𝘢 𝘒𝘺𝘭𝘭𝘦 𝘚. 𝘗𝘪𝘭𝘪 𝘢𝘯𝘥 𝘈𝘭𝘺𝘴𝘴𝘢 𝘖. 𝘔𝘰𝘯𝘵𝘦 𝘝𝘪𝘥𝘦𝘰𝘨𝘳𝘢𝘱𝘩𝘦𝘳𝘴: 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘋. 𝘉𝘪𝘴𝘶ñ𝘢 𝘢𝘯𝘥 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘖. 𝘈𝘭𝘭𝘰𝘳𝘥𝘦 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳𝘴: 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘋. 𝘉𝘪𝘴𝘶ñ𝘢 𝘢𝘯𝘥 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯

𝗨𝗻𝘃𝗲𝗶𝗹𝗶𝗻𝗴 𝗩𝗼𝗶𝗰𝗲𝘀: 𝗔 𝗦𝘂𝗰𝗰𝗲𝘀𝘀𝗳𝘂𝗹 𝗚𝗲𝗻𝗲𝗿𝗮𝗹 𝗔𝘀𝘀𝗲𝗺𝗯𝗹𝘆 𝗼𝗳 𝗕𝗦𝗕𝗔-𝗙𝗠 𝗣𝗿𝗼𝗴𝗿𝗮𝗺 The JFINEX-CSPC Chapter and TheANALYST successfully executed their presentation for the Constitution and By-Laws and Action Plans for Academic Year 2023-2024 during the 1st general assembly of the BSBA-FM last Friday, September 29, 2023 at the CSPC Pearl Function Hall. Our publication team had the chance to interview some bonafide BSBA-FM students to gain a deeper understanding about their perceptions, feedbacks, and expectations for the event. May this event serve as the beginning of our journey as the pioneering batch of the BSBA Financial Management program. And as our program's mantra resounds in our hearts, Together We Transcend. "𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬" 𝘙𝘦𝘱𝘰𝘳𝘵𝘦𝘳: 𝘔𝘪𝘤𝘢𝘩 𝘋𝘢𝘯𝘪𝘦𝘭𝘭𝘦 𝘚. 𝘉𝘪𝘭𝘣𝘢𝘰 𝘕𝘦𝘸𝘴 𝘞𝘳𝘪𝘵𝘦𝘳: 𝘊𝘩𝘳𝘪𝘴𝘵𝘪𝘯𝘦 𝘑𝘰𝘺 𝘋. 𝘉𝘪𝘴𝘶ñ𝘢 𝘝𝘪𝘥𝘦𝘰𝘨𝘳𝘢𝘱𝘩𝘦𝘳: 𝘚𝘩𝘢𝘪𝘳𝘢 𝘔𝘢𝘳𝘪𝘦 𝘖. 𝘈𝘭𝘭𝘰𝘳𝘥𝘦 𝘝𝘪𝘥𝘦𝘰 𝘌𝘥𝘪𝘵𝘰𝘳𝘴: 𝘝𝘦𝘳𝘢 𝘒𝘺𝘭𝘭𝘦 𝘚. 𝘗𝘪𝘭𝘪 𝘢𝘯𝘥 𝘑𝘰𝘩𝘯 𝘋𝘦𝘭 𝘙𝘢𝘪𝘯𝘦𝘳 𝘔. 𝘈𝘮𝘶𝘤𝘢𝘯