{"id":41645,"date":"2023-04-20T18:15:54","date_gmt":"2023-04-20T10:15:54","guid":{"rendered":"http:\/\/www.teampcheng.com\/blog\/?p=41645"},"modified":"2023-04-20T18:16:00","modified_gmt":"2023-04-20T10:16:00","slug":"ask-a-coop-about-your-financial-resiliency-heres-why","status":"publish","type":"post","link":"http:\/\/www.teampcheng.com\/blog\/lifestyle\/ask-a-coop-about-your-financial-resiliency-heres-why\/","title":{"rendered":"Ask a COOP about your financial resiliency\u2014here\u2019s why"},"content":{"rendered":"\n<p><strong>APRIL 2023<\/strong> \u2014 In November of 2022, the <strong>Co-operative College of the Philippines<\/strong> and <strong>CLIMBS Life and General Insurance Cooperative<\/strong> conducted the <strong>COOP Climate Summit 2022: Cooperatives for Climate Action &amp; Education<\/strong>, hosted by Cindy Obe\u00f1ita (Miss Intercontinental 2021) and moderated by Donna C. Dizon, the Co-operative College of the Philippines\u2019 CEO and Principal and concurrent Vice President for Admin and Corporate Planning in CLIMBS.&nbsp;<\/p>\n\n\n\n<p>At the summit, experts from varying financial institutions in both the private and public sectors spoke on the definitive need to address climate change and its effects on the Philippine economy\u2014particularly, the vulnerable populations that work in agriculture and aquaculture. CLIMBS also shared their goal of insuring 20 million Filipino lives by 2024; as of 2021, they have reached well over six million.<\/p>\n\n\n\n<p>It is precisely the pressing need for CLIMBS\u2019 microinsurance and tailored packages that should prompt the public to ask themselves more in-depth questions about their own finances and how to manage them. These particular services are available to farmers and fishermen for them to insure themselves against more destitute seasons or natural disasters; to provide their children with opportunities for higher education; meanwhile, <a href=\"https:\/\/www.moneymax.ph\/money-management\/articles\/unbanked-filipinos-reasons#:~:text=This%20means%20the%20number%20of,from%2051.2%20million%20in%202019.\">over 40% of the Philippine population are reportedly unbanked.<\/a><\/p>\n\n\n\n<p>While this statistic is shrinking due to, among other solutions, digital banking and insurance companies\u2019 changing degrees of accessibility, that number is still reflective of what can be described as a cultural misgiving of the tools necessary to improve the adult population\u2019s quality of life and that of the generation after them, as well as the lack of resources to dispel the apprehension. In more straightforward data, it is estimated that<a href=\"https:\/\/www.bsp.gov.ph\/SitePages\/MediaAndResearch\/SpeechesDisp.aspx?ItemId=993\"> only 25% of Filipinos can be considered financially literate.<\/a> And so the majority of the country remains not only underserved, but also dangerously unaware of the ways in which their money can do more, or even of where their money goes.<\/p>\n\n\n\n<p>It is also in the interest of climate justice\u2014one of CLIMBS\u2019 focus points\u2014that Filipinos should be enabled to improve their quality of life independently and with confidence. Although <a href=\"https:\/\/www.manulife.com.ph\/about-us\/newsroom\/latest-news\/more-than-100-pasig-students-graduate-from-manulifes-financial-literacy-program.html\">local government units have already partnered with other organizations to help better our overall financial literacy<\/a>, especially among the youth, those of us with access to more should be all the more curious when it comes to how green our money can really be.<\/p>\n\n\n\n<p>With the market opportunities opening up to smaller, even individual investors, the world of finance seems to be changing faster than anyone can keep up with\u2014but it still pays to ask these questions. \u201cWhich insurance package is actually best for me?\u201d \u201cAm I saving after spending, or spending after I\u2019ve saved? What difference does it make?\u201d \u201cWho am I actually helping with my financial participation?\u201d To find out more about their products and services, or how you can do your part to help the underserved, you can <a href=\"https:\/\/www.climbs.coop\/contact-us\/\">contact CLIMBS Life and General Insurance Cooperative<\/a> or <a href=\"https:\/\/www.climbs.coop\/\">visit their website<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>APRIL 2023 \u2014 In November of 2022, the Co-operative College of the Philippines and CLIMBS Life and General Insurance Cooperative [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2730],"tags":[9172],"class_list":["post-41645","post","type-post","status-publish","format-standard","hentry","category-lifestyle","tag-climbs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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