DepEd Teacher's Blog

40 sample questions for a Principal Qualifying Examination (PQE) or school head promotion screening in the Philippines

noreply@blogger.com (Claw Machines) — Sun, 22 Feb 2026 09:44:00 +0000

40 sample questions for a Principal Qualifying Examination (PQE) or school head promotion screening in the Philippines. These focus on leadership, management, curriculum, law, finance, and ethics — aligned with standards of the Department of Education

Leadership & School Governance

What are the core responsibilities of a school principal?
How does a principal implement School-Based Management (SBM)?
What leadership style is most effective in a public school setting and why?
How do you create a shared vision for your school?
How will you handle resistance to change among teachers?
How do you align school goals with DepEd’s strategic objectives?
What is instructional leadership?
How do you promote a positive school culture?
How do you ensure transparency in decision-making?
What is your strategy for continuous school improvement?

Planning & School Improvement

What is a School Improvement Plan (SIP)?
How do you use data to improve student performance?
What are the components of an Annual Implementation Plan (AIP)?
How do you monitor the implementation of school programs?
How do you set measurable targets for your school?
How would you improve low NAT or assessment results?
What indicators show that a school is performing well?
How do you prioritize school needs with limited resources?
How do you evaluate the effectiveness of school programs?
How do you prepare for school accreditation or validation?

Instructional Supervision

How do you conduct classroom observations effectively?
What is the RPMS and its purpose?
How do you mentor struggling teachers?
How do you ensure curriculum implementation fidelity?
What is differentiated instruction?
How do you promote inclusive education?
How do you support teachers' professional development?
How do you address poor teaching performance?
What is the importance of formative and summative assessment?
How do you integrate technology in teaching and learning?

Financial & Resource Management

What is MOOE and how is it managed?
How do you ensure proper liquidation of school funds?
What procurement rules must schools follow?
How do you prevent misuse of funds?
How do you prepare a school budget proposal?
What is transparency board posting?
How do you mobilize community resources?
How do you manage school property and inventory?
What internal controls should a school have?
How do you respond to audit findings?

Legal & Ethical Concerns

What are the key provisions of Republic Act No. 4670?
What is the Anti-Child Abuse Policy in schools?
How do you handle a complaint against a teacher?
What is due process in administrative cases?
What is Child Protection Policy under DepEd?
How do you ensure gender-sensitive practices in school?
How do you handle bullying cases?
What actions will you take in cases of sexual harassment?
How do you maintain professionalism and ethical conduct?
How do you handle conflicts between parents and teachers?

IMPACT 2026: 7th ANNUAL INTER-HIGH MATH AND PHYSICS COMPETITION

noreply@blogger.com (Claw Machines) — Sun, 22 Feb 2026 09:19:00 +0000

The University of the Philippines Circle of Engineering Students (UP CREST) will conduct the Inter-High School Math and Physics Competition (IMPACT) 2026 from March 14–16, 2026. Now in its 7th year, IMPACT continues its mission to challenge and inspire future scientists through a friendly yet rigorous academic competition that brings together outstanding high school students from across the country.

IMPACT goes beyond a traditional quiz bee by offering participants a platform to push their limits, strengthen their appreciation of the sciences, and apply their knowledge under pressure. The competition covers a wide range of topics, including Algebra, Geometry, Trigonometry, Statistics, Classical Mechanics, Electromagnetism, Thermodynamics, Optics, and Waves.

The competition is open to all bona fide junior and senior high school students.

Registration details and other information may be accessed through https://bit.ly/IMPACT2026RegForm

Participation of learners and teachers from public and private schools shall be purely voluntary and will not hamper instructional time in compliance with the provisions of DepEd Order (DO) No. 012, s. 2025, titled Multi-Year Implementing Guidelines on the School Calendar and Activities and DO 9, s. 2005, titled Instituting Measures to Increase Engaged Time- on-Task and Ensuring Compliance Therewith and the policy on off-campus activities stated in DO 66, s. 2017.

.This is also subject to the no-collection policy as stated in Section 3 of Republic Act No. 5546 also known as An Act Prohibiting the Sale of Tickets and/or the Collection of Contributions for Whatever Project or Purpose from Students and Teachers of Public and Private Schools, Colleges and Universities (Ganzon Law), issued in DO 19, s. 2008, and reiterated in DepEd Memorandum No. 041, s. 2024.

For more information, please contact: Mr. Andrei Joshua A. Alayon Vice President for Public Relations UP Circle of Engineering Students Mobile Number: 0967-334-6421 Email Address: up.crest@gmail.com and up.crest@coe.upd.edu.ph Facebook Page: http://facebook.com/up.crest Website: http://www.up-crest.org

5th NATIONAL/INTERNATIONAL ROBOLUTION 2026: ROBOTICS AND AUTOMATION COMPETITION

noreply@blogger.com (Claw Machines) — Sun, 22 Feb 2026 09:09:00 +0000

The Erovoutika International Robotics Academy, in partnership with schools and universities, will host the 5th National/International Robolution 2026: Robotics and Automation Competition on December 5–6, 2026. The Regional Robolutions will be held in the following regions:

Region Venue

South Luzon De La Salle University Lipa
North Luzon University of Baguio
Visayas University of San Carlos
Mindanao Ateneo de Davao University
National Capital Region To be announced

Robolution is a platform for local and international robotics and automation competitions. It aims to bring together the brightest minds and most competitive talents to showcase and test their skills in robotics and automation. This year’s event will feature a variety of engaging activities, including robotics and automation seminars, workshops, and competitions.

The target participants are elementary to secondary school learners and teachers from both public and private schools.

More details about Robolution 2026 are available at:

Erovoutika’s website: http://robolution.erovoutika.ph
Facebook pages: https://www.facebook.com/erovoutika and
https://www.facebook.com/robolution2019

Participation of learners and teachers from public and private schools shall be purely voluntary and will not hamper instructional time in compliance with the provisions of DepEd Order (DO) No. 012, s. 2025, titled Multi-Year Implementing Guidelines on the School Calendar and Activities and DO 9, s. 2005 titled Instituting Measures to Increase Engaged Time-on-Task and Ensuring Compliance Therewith and the policy on off-campus activities stated in DO 66, s. 2017.

This is also subject to the no-collection policy as stated in Section 3 of Republic Act No. 5546 also known as An Act Prohibiting the Sale of Tickets and/or the Collection of Contributions for Whatever Project or Purpose from Students and Teachers of Public and Private Schools, Colleges and Universities (Ganzon Law), issued in DO 19, s. 2008, and reiterated in DepEd Memorandum No. 041, s. 2024.

For more information, please contact: Ms. Edarlyn A. Deplomo Erovoutika Event Head Erovoutika International Robotics Academy Mobile Numbers: 0918-363-4615 and 0906-149-7307 Email Address: erovoutika@gmail.com

15th ATENEO CHEMISTRY OLYMPIAD 2026

noreply@blogger.com (Claw Machines) — Wed, 17 Dec 2025 19:47:00 +0000

The Ateneo Chemistry Society (ACheS) invites all Grade 9–12 learners from public and private high schools to its 15th Ateneo Chemistry Olympiad (AChO), to be held online on February 28, 2026, and onsite on March 7, 2026.

With the theme, Persisting Beyond Half-Lives, the event aims to offer a platform to test and expand the participants’ knowledge and skills in Chemistry, while also gaining insights into the current state of the field in the Philippines.

The 15th AChO will be comprised of four major components:

1. Individual Written Exam Elimination Round

2. Team Laboratory Exam Semi-Finals Round

3. Final Quiz Bee Round

4. Geographical Indication Proposal Defense

Interested participants may submit inquiries or request assistance regarding registration, event guidelines, or other concerns through the link: https://forms.gle/j99WyUCvqaNHJ6ye9.

Participation of learners and teachers from public and private schools shall be purely voluntary and will not hamper instructional time in compliance with the provisions of DepEd Order (DO) No. 012, s. 2025, titled Multi-Year Implementing Guidelines on the School Calendar and Activities and DO 9, s. 2005 titled Instituting Measures to Increase Engaged Time-on-Task and Ensuring Compliance Therewith and the policy on off-campus activities stated in DO 66, s. 2017.

For more information, please contact: Mr. Darren Franco D. Antonio Project Head Mobile Phone Number: 0949-762-1117 Email Address: darren.antonio@student.ateneo.edu Facebook Page: facebook.com/AteneoChemistryOlympiad

ESTADISTIKA 2026: An Annual Invitational Statistics Contests

noreply@blogger.com (Claw Machines) — Wed, 17 Dec 2025 19:33:00 +0000

The University of the Philippines Los Baños (UPLB) Statistical Society invites high school students to participate in ESTADISTIKA 2026: An Annual Invitational Statistics Quiz, Essay Writing, and Poster Making Contests, to be held at UPLB, Laguna on March 14, 2026.

With the theme “ESTAnaw: Ang Sining ng Pagbabago ng Wika at Kultura sa Mata ng Datos,” the event aims to instill the value of statistics among Grades 7–12 learners and to promote excellence in statistics among the youth. In celebration of its 20th year, ESTADISTIKA 2026 invites high schools from all regions of Luzon to participate.

Interested participants may register from January 5 to February 6, 2026 through the following link:
https://bit.ly/ESTA2026

Participation of both public and private schools shall be purely voluntary and shall not disrupt instructional time, in accordance with:

DepEd Order No. 012, s. 2025 (Multi-Year Implementing Guidelines on the School Calendar and Activities),
DepEd Order No. 9, s. 2005 (Instituting Measures to Increase Engaged Time-on-Task), and
DepEd Order No. 66, s. 2017 (Policy on Off-Campus Activities).

This activity is also subject to the no-collection policy stipulated in Section 3 of Republic Act No. 5546 (Ganzon Law), which prohibits the collection of contributions from students and teachers for any project or purpose.

For more information, please contact Ms. Jan Ashley C. Aliluya Steering Committee Head University of the Philippines Los Baños Statistical Society Email Address: jcaliluya@up.edu.ph or estadistikastats@gmail.com Mobile Phone Number: 0953-709-9421 Facebook Pages: facebook.com/STATS.ESTADISTIKA

CALL FOR APPLICATIONS FOR JOB VACANCIES AT THE ASEAN SECRETARIAT

noreply@blogger.com (Claw Machines) — Wed, 17 Dec 2025 19:25:00 +0000

Call for Applications: ASEAN Secretariat Positions

The Association of Southeast Asian Nations (ASEAN) Secretariat, the central administrative body of ASEAN, is inviting applications for key positions that will strengthen the region’s collective agenda.

Assistant Director – Energy and Minerals Division
Senior Officer – Political Cooperation Division 2
Senior Officer East Asia Summit Unit – External Relations Division 1

As the institution responsible for facilitating and coordinating the implementation of ASEAN’s policies and initiatives, the Secretariat plays a pivotal role in advancing regional cooperation and integration.

These roles are critical in driving ASEAN’s priorities in:

Energy security: ensuring sustainable and resilient energy systems across the region.
Political cooperation: fostering peace, stability, and shared governance among member states.
External diplomatic relations: engaging global partners to enhance ASEAN’s strategic relevance.

Filling these positions with highly skilled and dedicated professionals is essential to effectively carry out ASEAN’s mandate and to advance the region’s community-building efforts.

Retired Teachers Itinerary to Cebu

noreply@blogger.com (Claw Machines) — Sat, 27 May 2023 16:07:00 +0000

Day 1

Airport pick up

CCLEX Longest Bridge in the Phils

Sto Nino Church and Magellan Cross

Parian Shrine and San Diego House

Casa Gorordo Museum

IT Parks – Lunch

Temple of Leah, Cebu – pm

Little Tokyo

Sirao Garden-Little Amsterdam – pm

Ayala Cebu - Dinner

Day 2 (6k transpo)

2Am leave the house

Oslob Whale Shark and lunch

Oslob Tumanog Falls

Edgar Restaurant - Lunch

Argao Hall of Justice and Church

Sibonga Simala Shrine

Bolhoon Church

Carcar Church and old house

Carcar Lechon – Lunch or baon

Baywalk City of Naga – Dinner

422 years old church

Day 3 (6k transpo)

Barili Falls php20 entrance

Badian Kawasan Falls 2km walk Php 50entrance

Badian Canyoneering Php1.5k

Moalboal Resort Sleepover P1.5k night

SM Mall of Asia Dinner

Barili or mantayupan falls

Kawasan Falls - 1 large and 6 small falls

Day 4

Island hopping in Lapu Lapu (4k boat rental whole day)

Bring food and fish food

PIck up from house, wait and bring back to house.

3pm Tri to Cebu City

Tops or Ilcorso – SM Seaside – Dinner

Boat with 15 pax capacity – ₱2,700
https://www.freedomwall.net/travel/island-hopping-in-mactan-cebu-a-travel-guide/

Day 5 Go home (what time)

Taboan pasalubong center

Delivery from house airport

--------------------------------------

Day 3

2Am to Daan Bantayan (2k to 3k gas) 6Am

Get any room at any resort overnight

Island hopping Bantayan Island

Day 4 Am Trip to Cebu

Camp Sawi and Camp wagi - Habal habal

Bantayan sand bar -

Back to Cebu City -

Floating Restaurant Cordova Dinner

Virigin Island - bantaya island hopping package

Day 5 Go home (what time)

1000 Flowers Lapu Lapu

Taboan pasalubong center

Delivery from house airport

Language Teacher Vacancy in Japan - Source Japanese Embassy

noreply@blogger.com (Claw Machines) — Sun, 19 Sep 2021 06:39:00 +0000

The JET Programme is conducted by local authorities and other organizations (Contracting Organizations) of Japan with the help of the Ministry of Internal Affairs and Communications (MIC), the Ministry of Foreign Affairs (MOFA), the Ministry of Education, Culture, Sports, Science and Technology (MEXT), and the Council of Local Authorities for International Relations (CLAIR).

Key Duties and Responsibilities

Assistant Language Teachers (ALTs) will work in private or state-funded schools, or neighborhood sheets of training in the prefecture or region they will be allocated to. ALTs’ essential undertaking is to aid classes drove by Japanese Teachers of English in the accompanying habits:

Assisting in the preparation of teaching materials;
Planning and supervising extracurricular activities for students, such as English club or sport activities;
Organizing cultural or international exchange programs.

Eligibility Requirements

be interested in Japan and be willing to deepen their knowledge and appreciation of Japan after their arrival; be motivated to participate in and initiate international exchange activities in the local community; make effort to study or continue studying the Japanese language prior to and after arriving in Japan.
be both mentally and physically healthy.
be willing and able to adapt to living and working in Japan, and be determined to responsibly complete their period of participation.
hold a Bachelor’s degree or higher, or obtain such qualifications by the designated arrival date.
be a Filipino citizen.
be adept in contemporary standard pronunciation, rhythm and intonation in English and possess excellent language ability that can be applied accurately and appropriately; have the ability to form sentences in a comprehensive and logical manner. (See Note 1)
not have participated on the Programme since the 2017 JET Programme year or have participated on the Programme for more than 5 years in total.
not have declined a position on the Programme after receiving notification of assignment in the previous JET Programme year (excluding cases where it is accepted that the Participant had a valid, inevitable reason for withdrawing).
not have lived in Japan for 6 or more years in total since 2010.
have a desire to proactively maintain relations with Japan, even after completion of the Programme.
concerning entry into Japan for participation on the Programme, agree to reside in Japan under the status of residence stipulated in Article 2-2 of the Immigration Control and Refugee Recognition Act.
be willing to obey all Japanese laws.
Applicants with a suspended jail term must have finished their period of probation by the time they submit their application form.
be interested in the Japanese education system, particularly foreign language education in Japan.
be interested in working with children.
be qualified as a language teacher or be strongly motivated to take part in the teaching of foreign languages.

Additional evaluation points will be given to applicants who:

Have a bachelor’s degree or higher in English or Education.
Have a professional language teaching license and/or experience (especially in the classroom setting).
Have general teaching experience or qualifications. (See Note 2)
Have a Japanese language background (JLPT passer) and/or Japan study background. (See Note 2)
Have experience traveling/living in foreign countries.

Note:

An applicant’s ability to use the English language accurately and appropriately will be assessed based on the information he or she will provide in the application documents, as well as the results of an in-house English exam.
The screening process also involves a teaching demonstration in English and a Nihongo conversation test.

Application:

Please follow the instructions carefully. The screening committee takes into consideration the applicants’ ability to follow the guidelines and instructions.
The following application instructions might be subject to change due to the current pandemic situation. Please check this website frequently for the latest instructions.
PLEASE COMPILE YOUR APPLICATION DOCUMENTS INTO THREE (3) COMPLETE, SEPARATE SETS placed inside a brown/transparent envelope. Please do not use a clear book.
Do not staple the forms and other documents

Application Form (Word) printed in A4 size paper
Application Guidelines (PDF) Please read through the guidelines thoroughly before starting your application.
Attachment Chart Sheet of Application (PDF)
Self- Report of Medical Condition (s) (Word) All applicants are required to submit this form with their application.
Statement of Physician (Word)

All application materials required for this program are due on December 3, 2021 (Friday) and must be submitted via post or courier (LBC, Grab Express, Lalamove, etc) to:

Note ： This year, we accept application submission via post or courier only due to the spread of infectious diseases. Considering delivery schedule by courier service, especially in year-end season, early submission is encouraged.

The JET Programme
Japan Information and Culture Center
Embassy of Japan in the Philippines
2627 Roxas Boulevard, Pasay City 1300

Tentative Expected Timeline: The schedule is subject to change.

2021 From September to December	Submission of Application
2022 Mid- January	First screening results (released to only qualified applicants)
2022 Late January or mid-February	Interviews
2022 Late March or Early April	Interview results are released (Official result)
2022 May	Release of Placements
2022 August	Departure for Japan

For Inquiries

For more details about JET Programme, please visit http://jetprogramme.org/en/

Source: Embassy of Japan in the Philippines

Guidelines on Enrollment for the School Year 2021 - 2022

noreply@blogger.com (Claw Machines) — Sat, 11 Sep 2021 11:54:00 +0000

GUIDELINES ON ENROLLMENT FOR THE SCHOOL YEAR 2021-2022 IN THE CONTEXT OF THE CONTINUING NATIONAL PUBLIC HEALTH EMERGENCY DUE TO COVID-19

1. Amid the continuing national public health emergency due to COVID-19, the Department of Education (DepEd ) remains resolved to find ways to improve the provision of learning opportunities to all Filipino learners for School Year (SY) 2 0 2 1- 2 0 22. Taking into account the challenges and opportunities encountered, the Basic Education Learning Continuity Plan (B E-LCP) shall continue to be the blueprint t and guidepost of Dep Ed continuing efforts ensuring learning continuity.

2. In this light, DepEd issues the enclosed Guidelines on Enrollment for School Year 2021- 2022 in the context of the continuing National Public Health Emergency due to COVID-19 to provide schools various options for implementing an enhanced enrollment process that adheres to the guidelines set by the Inter-Agency Task Force on Emerging Infectious Diseases (IAT F- EID), the Office of the President, and the Department of Health (DOH).

3. These guidelines shall guide parents, legal guardians, and teachers in the enrollment of learners for SY 202 1- 2022. This policy provides a range of options to facilitate the enrollment of learners for all public schools in basic education and Alternative Learning System (ALS) programs nationwide. State Universities and Colleges (SUCs) offering basic education and private schools in basic education are encouraged to adopt this policy to their specific contexts.

4. These guidelines shall govern only the SY 2021-2022 enrollment. DepEd Order No. 03,

s. 2018 remains in effect, but its provisions inconsistent with these guidelines are suspended for SY 2021-2022.

5. For more information, please contact the Education Management and Information Systems Divisio n-Planning Service, Department of Education Central Office, DepEd Complex, Meralco Avenue, Pasig City through email at ps.emisd@deped.gov.ph.

6. Immediate dissemination of and strict compliance with this Order is directed.

The Implementing Guidelines on the SY 2021

noreply@blogger.com (Claw Machines) — Sun, 08 Aug 2021 17:46:00 +0000

1. RATIONALE

1. The Department of Education ensures the effective implementation of the K to 12 curriculums for every learner to acquire lifelong learning skills for the 21st century, and to experience learning beyond the classroom despite the challenges posed by this pandemic.

2. Amid this health crisis, DepEd has been promoting the government’s overall initiative to encourage strict adherence to public health protocols while implementing policies that ensure the delivery of accessible, responsive, and quality education. Schools and community learning centers (CLCs) are encouraged to adhere to the school calendar and activities to comply with the required number of school days to attain the learning standards and ensure that national/local school events and activities/celebrations are observed.

3. The policy aims to provide direction and guidance to schools and CLCs in planning their respective activities relative to curricular operations and other celebrations/ observances within the required number of school days.

R. SCOPE

4. These The Implementing Guidelines on the SY 2021 calendar and Activities shall be applicable to both public and private elementary and secondary schools including CLCs nationwide. Private schools and state/local universities and colleges (SUCs/ LUCs) have the choice to implement or deviate from this School Calendar. They may begin classes not earlier than the first Monday of June and not later than September 13, 2021 pursuant to RA 11480. Nevertheless, any deviation from the school calendar shall be reported to the respective Regional Offices (ROs) in advance.

III. DEFINITION OP TERH8

5. For the purpose of this policy, the following terms are operationally defined as

follows:

a. Co-curricular Activity are authorized, voluntary, and non-graded engagements, whether on or off-campus, that reinforce the development of 2lst-century skills conducted beyond the scheduled contact time between teachers and students. The activities must be anchored on both the content and performance standards in the curriculum

b. School day is a day devoted to instructionally relevant activities pursuant to engaging students in learning the lessons of the curriculum (adopted from D.O. No. 9, s. 2005].

6. The Department of Education issues these policy guidelines to ensure that all public and private schools, as well as non-DepEd schools offering basic education, adhere to the

number of school days required to implement the curriculum and school-related activities, such as standard events and activities/observances, throughout the school year. Further, these policy guidelines ensure that school days are properly implemented to support learners in attaining the learning standards.

v. GUIDELINES

7. School Year 2021-2022 shall formally start on September 13, 202 1 {Monday), and shall end on June 24, 2022 {Friday). There shall be a total of 209 days inclusive of Saturdays and the five-day midyear break. With the compressed school year, the conduct of distance learning activities for learners during Saturdays is authorized but should religious considerations prohibit activities on a Saturday, they shall be undertaken on a Sunday. The teachers, however, will not be required to render service on Saturdays and Sundays.

8. The conduct of face-to-face classes, whether in partial or full scale, will not be allowed unless permitted by the Office of the President.

9. In the Alternative Learning System, learning intervention shall formally open on the same date, September 13, 2021 . The program duration will be dependent on the learner’s educational background or existing knowledge level prior to enrollment in the ALS program.

10. Private schools and state/local universities and colleges (SUCs/LUCs) offering basic education have the choice to implement or deviate from this School Calendar. They may begin classes not earlier than the first Monday of June and not later than September 13, 2021, pursuant to RA 11480. Any deviation from the school calendar shall be reported to the respective Regional Offices (ROsJ in advance, along with the following documents:

a. The school’s plan for compliance with minimum health standards issued by DepEd, consistent with guidelines of the Department of Health (DOH), the Inter- Agency Task Force for the Management of Emerging Infectious Diseases (IATFJ and the Office of the President (OP} ;

b. The updated school’s Learning Continuity Plan reflecting the learning delivery modalities that will be implemented , which shall constitute compliance with the requirements provided under Item b of Annex 3, DepEd Order No. 021, s, 2019; and

c. Their school calendar for SY 2021 -2022.

11. In preparation for the opening of classes for SY 202 1-2022, the schools shall conduct

the following activities:

a. Enrollment, which shall be held from August 16, 2021 to September 13, 2021 . A separate set of guidelines on enrollment for SY 2021-22 shall be released; arid

b. Brigada Eskwela and Oplan Balik Eskwela, to be held on announced dates, which shall focus on information campaign, preparations, and strengthening partnerships that complement the Department’s effort to ensure quality basic education.

12. The Basic Education Learning Continuity Plan (BE-LCPJ, as contained in DO No. 012, s. 2020 entitled “Adoption of the Basic Education Learning Continuity Plan for School Year 2020-202 1 in the Light of the COVID- 19 Public Health Emergency” shall continue to provide guidance on the delivery of basic education for SY 2021-2022. The health, safety

and wellbeing of all learners, teachers, and non-teaching personnel shall remain as the utmost priority of the Department.

13. Regional Offices are directed to make adjustments to enhance the implementation of the BE-LCP, to include:

a. Maximizing the use of DepED TV and and Radio-based instruction to lessen reliance on printed modules;

b. Utilizing textbooks to enrich learning experience; c. Coming up with a strategy to encourage the return of learners who did not enroll last SY;

d. Validating the number of private schools that temporarily suspended operations but intend to reopen this SY 2021-2022; and

e. Ensuring equitable distribution of teacher's workload following the basic standards set in Magna Carta for Teachers.

14. The Most Essential Learning Competencies (MELCS) shall continue to apply for the SY 2021-2022. Similarly, assessment of learning shall follow DO No. 031, s. 2020 entitled “Interim Guidelines for Assessment and Grading in Light of the Basic Education Learning Continuity Plan”.

15. As provided in DO No. 029, s. 2018 entitled “Policy on the Implementation of Multi- Factored Assessment Tool (MFAT]”, MFAT shall be administered to Grade 1 learners a month after the opening of classes. The results will be used as basis for instructional planning and for formulating appropriate intervention strategies for learners who exhibit development advancement or delays, or who show manifestations of learning disabilities.

16. Schools may observe national and local celebrations/activities and holidays other than those indicated in Enclosure Nos. 2 and 3, provided that the activities are beneficial to the teaching-learning process and that the total number of class days is not compromised. Regional Offices may issue a supplemental calendar to reflect their local events.

Support: homeinspection, Telegra, Costarica,

Demandar

17. Curricular and co-curricu1ar activities shall be conducted virtually in compliance with community quarantine guidelines. Virtual activities through different social media, which require reactions or sharing, may be done for advocacy, awareness, or collaboration purposes but should not form part of the learner’s scholastic grade. Curricular and co- curricular activities that involve in-person gathering of a large number of participants like the National Schools Press Conference (NSPC), National Science and Technology Fair (NSTFJ, National Festival of Talent (NFOT), and other similar undertakings shall remain suspended, except for those that can be conducted virtually.

18. Career guidance activities shall be conducted between October 2021 and January 2022 to guide Grades 9 and 10 learners in making informed choices on their preferred Senior High School track. College and middle-level skills fair, job fair, business and entrepreneurship expo, and similar activities shall be conducted during the last quarter of the school year to ensure placement of Grade 12 learners in their preferred curriculum exits.

Entry support by: Effecthub, Bitraded, Costplay

19. At the national level, the Bureau of Education Assessment (BEAJ shall conduct the system assessments in the key stages, namely: Early Language Literacy and Numeracy Assessment (ELLNA] and National Achievement Tests (NAT} for Grades 6, 10, and 12. The ELLNA measures the language skills using learning area content and numeracy skills while the NAT assesses 2lst-century Skills (problem-solving, information literacy, critical thinking) through the lens of learning areas. The ELLNA and NAT shall cover the Most Essential Learning Competencies (MELCsJ. On the other hand, the National Career Assessment Examination (NCAEJ shall be administered to ascertain learner's aptitude and interest of learners and to provide them with relevant information about their skills, abilities, and readiness for academic and non-academic courses.

SCHOOL CALENDAR AND ACTIVITIES FOR SCHOOL YEAR 2O21—2O22

noreply@blogger.com (Claw Machines) — Sun, 08 Aug 2021 12:23:00 +0000

1. The Department of Education (DepEd) issues the School Calendar and Activities for School Year ASY- 2021 -2022, in accordance with its commitment to learning continuity amidst the health crisis.

2. Pursuant to RA 11480 (An Act Amending Section 3 of RA No. 7797, otherwise known as “An Act to Lengthen the School Calendar from Two Hundred (200) Day s to Not More Than Two Hundred Twenty (220) Class Days”), President Rodrigo Roa Duterte, upon the recommendation of the DepEd Secretary, has approved September 13, 2021 as the opening date of the SY 202 1 —2022.

The school year shall consist of 209 school days, inclu sive of Saturdays and the five-day midyear break, and shall end on June 24, 2022.

3. With the compressed school year, the conduct of distance learning activ'ities for learners on Saturdays is authorized. Should religious considerations prevent activitles on a Saturday, they may be conducted on a Sunday. Nonetheless, teachers will not be required to render service on Saturdays and Sundays.

4. The conduct of face-to-face classes, whether in partial or full scale, will not be allowed unless permitted by the Office of the President.

5. The Alternative Learning System (ALS) learning intervention shall formally open on the same date while the program duration will depend on the learner’s educational background or existing kriou°ledge level prior to enrolling in the ALS program.

6. Private schools and state/local universities and colleges (SUCs/LUCs) have the choice to implement or deviate from this School Calendar. Moreover, they may begin classes not earlier than the first Monday of June and not later than September 13, 2021 pursuant to RA 11480. Nevertheless, any deviation from the school calendar shall be reported to the respective Regional Offices (ROs) in advance .

7. The Implementing Guidelines on the SY 202 1 —2022 and School Calendar and Activities are provided in Enclosure No. 1.

2021 National Schools Press Conference (Presscon2021) - ONLINE

noreply@blogger.com (Claw Machines) — Sun, 08 Aug 2021 09:58:00 +0000

DepEd MEMORANDUM No. c50

1. The Department of Education (DepEd), through the Bureau of Curriculum Development (BCD), announces the conduct of the 2021Nationa1 School Press Conference (NSPC from August 11 to 13, 2021) online, dubbed as the National Conference on Campus Journalism in the 2lat Century with the theme, Pahagaqang Pangkampus: Kaagapay sa Paghilom at Pagbangon ng Sambayanan.

This is pursuant to Republic Act (RA) No. 7079, also known as Gampus Journalism Act of 1991, and its Implementing Rules and Regulations (IRR) specifically Rule IX of Section I.

2. The Conference aims to

a. capacitate learners, school paper advisers and relevant field personnel with understanding of the importance of journalism by expressing it through different journalistic endeavors and approaches
b. sustain advocacy on social consciousness and environmental
awareness;
c. provide a venue for an enriching learning experience for students interested in Journalism as a career or those who intend to use skill sets learned through campus journalism to give them a better edge in their chosen careers;
d. promote responsible journalism arid fair and ethical use of social
media;
e. introduce the new NSPC events arid its alignment with the Special Program in Journalism ; and
f. showcase the campus journalistic skills of students across the regions.

3. Conference activities shall include training-workshops on the following:

4. The Department adheres to the rule concerning plagiarism and intellectual Property Rights in the conduct of the activity.

5. Each region shall determine their own official participants (both students and school paper advisers) guided by the following pointers:

The School Paper Advisers must—

a. be from public or private elementary or secondary schools;

b. have seven years and above experiences in campus journalism;

c. have a good command of both languages both in English and Filipino (both

spoken and written forms);

d. have been a trainer or facilitator of training/workshop for at least seven years;

e. have never been involved in any case of plagiarism;

f. be able to use Microsoft Office, and online platforms;

g. not be retiring from service in the next two years (for school paper advisers);

h. be willing to spend time to train and serve other school paper advisers and campus journalists; and

have available gadgets/devices and internet connectivity for the whole duration of the activity.

The Students must—

a. be from public or private elementary or secondary schools;

b. have seven years and above experiences in campus journalism

c. have good command of the language both in English and Filipino (both in spoken and written forms);

d. have been consistently winning in the DSPC, RSPC and NSPC;

e. never been involved in any case of plagiarism;

f. be able to use Microsoft Office, and online platforms; and

g. have available gadgets/devices and internet connectivity for the whole duration of the activity.

6. Each region is expected to submit their Official List of Regional Delegates (using the format provided in the Enclosure] duly endorsed by their Regional Director and send it at nspccentral@gmail.com on or before August 4, 2021. All participants are required to register online through http://bit.ly2021NSPCReg following the stated deadline of submission.

7. The link of the online platform per session will be sent through the email of all participants.

8. All regions shall ensure a parental consent for all participating students who may be included in the video recording to be uploaded on DepEd website & social media accounts.

2021 GUIDELINES ON ACCREDITATION RE-ACCREDITATION OF PRIVATE ENTITIES UNDER THE AUTOMATIC PAYROLL DEDUCTION SYSTEM PROGRAM

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ENHANCED GUIDELINES ON ACCREDITATION/

RE-ACCREDITATION OF PRIVATE ENTITIES UNDER THE

AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS) PROGRAM

(ENCLOSURE 1 TO DEPED ORDER NO. 20, S. 2021)

I. RATIONALE

1. The Department of Education, as a government agency, is authorized by various

laws, rules and regulations to deduct from salaries of its employees such amounts intended for

the payment of contributions and other obligations due to specified to private entities.

2. Such authorization, however, is concurrently limited by other laws, particularly

Section 211 of RA 4670 or the Magna Carta for Public School Teachers, and Section 662, Title I(A),

Book V of the Administrative Code of 1987.

3. In addition, Congress has imposed limitations on the extent of the amount that

may be deducted, as well as on the order of preference of the deductions, through the General

Provisions of the General Appropriations Act (GAA) on authorized deductions from salaries and

other benefits accruing to any government employee, chargeable against the appropriations for

Personnel Services.

In the implementation of authorized deductions, the DepEd is also under

responsibility to consider the welfare of the teachers and employees. Among the powers, duties

and functions of the Secretary of the Department of Education, as provided in Section 7 (A) of

RA 9155 or the Governance of Basic Education Act of 2001, is “enhancing the employment

status, professional competence, welfare, and working conditions of all personnel of the

Department”.

5. As part of DepEd’s implementation of the authorized deduction from salaries, it

has been implementing a centralized Accreditation for the inclusion of private entities in its

Automatic Payroll Deduction System (APDS). The Accreditation provides standards and

procedures that private entities must comply with to be included in the APDS. The Accreditation

also facilitates the orderly implementation of the limitations on authorized deductions, including

the observance of the minimum monthly net take home pay (NTHP) as well as the order of

preference of deductions.

6. This Revised Guidelines on Accreditation/Re-Accreditation of Private Entities under

the APDS is issued to enhance the existing rules and criteria for Accreditation/Re-accreditation,

for continuous systems improvement, such as the automation on granting loans to DepEd

personnel and submission of billing statements by the accredited entities, in view of the current

technology advances and modernization thrust of the government, and to cover issues and

concerns raised by both DepEd personnel and accredited entities with the implementation of the

existing APDS policy which need to be addressed by the Department. Further guidelines relative

to deduction from salaries of government employees may be issued by the Department as

deemed necessary.

Section 21, RA 4670 - Deductions Prohibited. No person shall make any deduction whatsoever from the salaries of teachers except under the specific authority of law authorizing

such deductions: Provided, however, That upon written authority executed by the teacher concerned, (1) lawful dues and fees owing to the Philippine Public School Teachers

Association, and (2) premiums properly due on insurance policies, shall be considered deductible.

1 Section 66, Title I(A), Book V of the Administrative Code of 1987 - “Except as may otherwise be provided by law, it shall be unlawful for a treasurer or other fiscal officer to

draw or retain from the salary due an officer or employee, any amount for contribution or payment of obligations other than those due the government or its instrumentalities”.

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II.

SCOPE

7. The revised guidelines apply to private entities authorized under existing laws to

be paid through salary deductions and applying to participate in the APDS at the national,

regional, school division, and school levels.

Accreditation/Re-accreditation shall be valid for a period of five (5) years from

the date of the signing of the Terms and Conditions of the APDS Accreditation (TCAA) by the

representative of the accredited entity, unless the Accreditation is earlier revoked by DepEd for

grounds as provided in the TCAA. Moreover, performance of accredited entities shall be evaluated

to assure compliance with the TCAA six (6) months before the third year of their TCAA.

Services offered under these guidelines shall be extended to DepEd officials and

employees who are in actual service at the Central, Regional and Schools Division Offices,

including schools. Officials and employees who avail of these services shall be bound by the terms

and conditions specified in the relevant provisions of this policy.

III. DEFINITION OF TERMS

10. The following terms are defined, as used in these guidelines:

a. Affiliate company refers to an entity which shall act as the accredited entity’s partner

in catering loans and insurance/mutual aid or benefit systems membership to DepEd

personnel. It must be duly registered with the appropriate government regulatory body

(SEC, CDA, IC, and BSP), and which office must meet the requirements in paragraph

22 of these guidelines. Pawnshops and money exchangers (and other similar entities)

are prohibited to act affiliates of APDS accredited entities under these guidelines.

b. Agency Authorized Officer refers to a designated DepEd employee who is

responsible for approving GSIS loans applied by DepEd employees, among others.

He/she shall coordinate with the DepEd Verifier to ensure that repayment of said loan

can be accommodated in the payroll.

c. Automatic Payroll Deduction System (APDS) refers to a mechanism of collecting

payments, through salary deduction, for mandatory and non-mandatory financial

obligations of DepEd employees, and remittance thereof to government and accredited

private entities.

d. Automatic Payroll Deduction System Program refers to a DepEd program

officially recognizing and authorizing private entities to utilize the APDS facility for nonmandatory deductions in the Central, Regional, Schools Divisions, and implementing

unit secondary schools. Entails the execution of Terms and Conditions of the APDS

Accreditation (TCAA, for brevity) which assigns an APDS code and sets the roles and

responsibilities of the accredited entity with regard to the APDS.

e. DepEd Verifier refers to a designated DepEd employee who is responsible for

checking if the loan or any financial obligation being applied for by a certain DepEd

employee can be accommodated in his/her pay slip. He/she shall verify the resulting

net take home pay of a DepEd employee after obtaining a loan or any financial

obligation being applied for.

f. Effective Interest Rate refers to the rate that exactly discounts estimated future

cash flows through the life of a loan to the net amount of loan proceeds. It is also the

rate paid due to the result of compounding over a given time period.

Department of Education

Automatic Payroll Deduction System Program

Enhanced Guidelines on Accreditation/Re-accreditation of Private Entities

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g. General Appropriations Act refers to the law enacted every fiscal year that defines

the annual expenditure program of the national government and all its

instrumentalities.

h. Interest Rate refers to the proportion of a loan that is charged as interest to the

borrower, usually expressed as an annual percentage of the outstanding loan. It is the

amount to be paid by the Borrower for the use of money for a period of time and is

expressed as a percentage of the total outstanding balance of time on loan.

i. Net Take Home Pay refers to the total amount disbursed to a DepEd Employee in a

payroll month after all the mandatory and non-mandatory deductions have been

deducted.

j. Pay slip refers to the document issued monthly by a payroll services unit to each

DepEd employee showing the employee’s gross receipts, deductions, and net take

home pay for that payroll month.

k. Principal Amount of Loan refers to the gross amount of a loan, based on which,

the interest and loan payments are computed.

IV.

Terms and Conditions of the APDS Accreditation (TCAA) refers to the document

signed by the representative of the APDS accredited entity as proof of its enrollment

to the DepEd APDS Program, duly notarized by a Notary Public and acknowledged by

DepEd. It includes the APDS Code to be used by the accredited entity including its

roles and responsibilities to be followed in the utilization of the APDS facility.

POLICY STATEMENT

11. The DepEd shall regulate the use of its APDS to facilitate and ensure orderly

implementation of salary deductions authorized by law, adherence to legal limitations on salary

deductions, and protection and promotion of the welfare of all teachers and employees, by

addressing the issues and concerns both from internal and external stakeholders and limiting the

disputes regarding issues related to salary deductions.

12.Only entities specifically authorized by law to be paid through salary deductions of

teaching and non-teaching employees’ contributions and obligations may apply for

Accreditation/Re-Accreditation.

13.The DepEd shall impose a ceiling on interest rates, service charges, and other fees

charged by lending institutions participating in the APDS.

14.The DepEd shall endeavor to prevent and eliminate illegal and unauthorized

deductions from the salaries of DepEd officials and employees.

15.Except as otherwise provided by law, any deduction shall be allowed only upon

written authorization by the DepEd official or employee concerned.

16.In the implementation of authorized deductions, the DepEd is also under

responsibility to consider the welfare of the teachers and employees. Among the powers, duties

and functions of the Secretary of the Department of Education, as provided in Section 7 (A) of

RA 9155 or the Governance of Basic Education Act of 2001, is “Enhancing the employment

status, professional competence, welfare and working conditions of all personnel of the

Department”.

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V. GENERAL PRINCIPLES

17. A centralized Accreditation/Re-accreditation shall be implemented by the DepEd

Central Office as a requirement to participate in the DepEd’s APDS. The Accredited/ReAccredited entity shall be assigned an APDS Code, and Sub-Codes as applicable, by the DepEd

Central Office (CO) through the Employee Account Management Division (EAMD), which shall act

as the APDS Secretariat. However, for cooperatives whose membership is exclusive to DepEd

teaching, non-teaching, and teaching-related personnel, current or retired (hereinafter referred

to as “DepEd personnel cooperatives”), and whose operations are limited to one Region,

accreditation is delegated to the DepEd Regional Office.

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18.e Accredited/Re-accredited entity shall sign the TCAA of the APDS Accreditation

and acknowledge the same before a notary public.

19. accreditation/Re-accreditation shall be granted to entities that agree to abide by

these specific guidelines, with reference to the following:

19.1Specific authorization by law for payment of contributions or obligations through

salary deductions;

19.2Legal existence and license to operate as granted by the government through its

different regulators;

19.3Full transparency in reporting operations and financial status;

19.4Grounds for suspensions and revocation of Accreditation; and

19.5Other conditions set forth in the TCAA.

20. Entities, including affiliates/associates/partners with contested ownership or

chairmanship are not allowed to participate in the APDS.

21. Entities participating in the APDS as well as all DepEd offices and personnel

concerned shall follow the procedures for the verification of the NTHP, as contained in Annex B

and C of Enclosures 2 and 3, respectively, of this DepEd Order.

22. Entities shall be allowed to participate in the APDS facility in the province3 where

they have an office established in accordance with law. The office shall have a fully equipped

physical site of transaction, inside a building or commercial structure, with a local business permit,

proper sign board, official contact details (landline, post-paid mobile or registered number,

including e-mail address), and full-time manager/authorized personnel and staff who shall

maintain complete records, accept payments, issue statements of accounts, official receipts,

certificates of full payment, and contracts and membership documents, all within specified

timeframes, and attend to other transactions, queries, and complaints of DepEd personnel.

23.

Entities may also be allowed to transact business within a region even without the

existence of an office in a certain province, provided the Entity concerned has its fully equipped

facility/system that enables lending business transactions via online process, from acceptance of

loan applications filed by DepEd borrowers, granting of loans, responding to queries, and others,

as reviewed by the DepEd Central Office APDS Task Force and approved by the Undersecretary

for Finance.

24.

Entities that do not have an office in a province may offer loans and

insurance/mutual aid memberships under APDS to DepEd personnel in that province by

making arrangements and entering into legal agreements with affiliate companies, except for

For this purpose, Metro Manila will be considered as one province.

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pawnshops and money exchangers, which shall act as the former’s agent. The said affiliate

company must be duly registered with the appropriate government regulatory body, and must

have an office in the province that meets the requirements in paragraph 22 hereof.

25. For purposes of renewal of the TCAA, the Accredited Entity shall submit its Letter

of Intent for the APDS re-accreditation at least one (1) month prior to the date of

expiration.

26. Entities participating in the APDS for lending business shall conform with the

ceilings on interest and non-interest rates on loans as shown below. Only loans with a term not

exceeding three (3) years will be accommodated under the APDS. Illustrations for the loan

computations from one (1) to three (3) years are in Annexes D-1 to D-3 of Enclosure 2 of this

DepEd Order.

Particular

Ceilings

Contractual Interest Rates (based on

diminishing/declining principal

balance)

1 year – 7.500% per annum (p.a.) or 0.625%

per month

2 years – 9.000% p.a. or 0.750% per month

3 years – 9.660% p.a. or 0.805% per month

One-time Other Charges (Must be

itemized in the Disclosure Statement)

6.000%, deducted upfront from the principal

amount of loan

Effective Interest Rates (EIR) p.a.

1 year – 21.091%

2 years – 16.351%

3 years – 14.886%

27. The Department shall conduct a review of and adjust these rates as often as may

be needed by the prevailing circumstances, in consultation with the relevant government

agencies, and on other policy considerations.

28. The Department shall also post in the DepEd website or any online platforms, or

in any conspicuous places of the DepEd offices, the rates of interest and other charges on loans

to be offered to DepEd officials and personnel by lending institutions participating in the APDS.

29. Entities participating in the APDS shall pay the following service fees, which shall

be collected by the DepEd implementing units (Central, Regional and Schools Division

Offices, as well as Implementing Unit Secondary Schools) through automatic deduction

from the remittance due to the Accredited/Re-accredited Entity, in favor of the DepEd Provident

Fund:

29.1

For loans granted by banks, insurance companies, financing companies: One

percent (1%) of amount to be remitted.

29.2 For loans granted by non-stock savings and loans associations, mutual benefit

associations, and DepEd personnel cooperatives and other associations: One-half

of one percent (0.5%) of the amount to be remitted.

29.3 For insurance premia due to insurance companies: Three percent (3%) of amount

to be remitted.

29.4 For mutual benefit membership dues/contributions due to associations/

cooperatives, non-stock savings and loan associations, and mutual benefit

associations: One percent (1%) of the amount to be remitted.

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VI.

A. ACCREDITATION/RE-ACCREDITATION CRITERIA

MINIMUM REQUIREMENTS

30. o be eligible for consideration for accreditation/re-accreditation, applicants must

satisfy the following criteria:

30.1 Legally organized and duly registered with government regulatory agencies such

as the Securities and Exchange Commission (SEC), BSP, Insurance Commission

(IC), and Cooperative Development Authority (CDA);

30.2 For lending business, the applicant must be authorized to engage in lending based

on the primary or secondary purpose stated in the Articles of

Incorporation/Cooperation;

30.3 For insurance business and mutual benefit and association memberships, the

applicant must be authorized to offer insurance policies and mutual benefit and

association memberships based on the primary or secondary purpose stated in the

Articles of Incorporation/Cooperation;

30.4

Operating and in good standing for the current year as certified by SEC, BSP, PDIC,

IC, or CDA;

30.5

Must have authorized personnel and staff in each of entities’

offices/branches who shall maintain complete records, accept payments, issue

statements of accounts, official receipts, certificates of full payment, and contracts

and membership documents, all within specified timeframes, and attend to other

transactions, queries, and complaints of DepEd personnel;

30.6 For new applicants, must have a track record of at least five (5) years of

operations for the type of accreditation being applied for, except for DepEd

personnel cooperatives which must have a track record of at least two

(2) years;

30.7 Must have sufficient capitalization as provided for by law or regulations, but in no

the case shall the equity as reflected in the two (2) succeeding year’s Audited

Financial Statements (AFS) be less than PhP5 million, except for DepEd

personnel cooperatives whose operations are limited to one (1) region

and the memberships include retired, resigned, and active/current DepEd officials

and employees within their respective coverages. The applicant shall have equity

as follows:

a. At least PhP 2 million for region-wide DepEd personnel cooperatives. The

the applicant once accredited/re-accredited shall utilize the APDS facility only in the

provinces within the region where it has offices as defined in paragraph 22 of

these guidelines.

b. At least PhP 1 million for division-wide DepEd personnel cooperatives. The

the applicant once accredited/re-accredited shall limit the utilization of the APDS

facility within the school's division where it is operating.

c. At least PhP 300,000.00 for DepEd personnel-cooperatives exclusive for

Implementing Unit Schools that prepare its own payrolls (i.e. with direct release

of fund from the Department of Budget and Management). The applicant once

accredited/re-accredited shall limit the utilization of the APDS facility within the

the school where it is operating.

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B. DOCUMENTS FOR SUBMISSION BY APPLICANTS

31. For Accreditation of new applicants:

31.1 The applicant must submit the following original or certified true copies of the

documents issued by the appropriate government regulatory agency:

31.1.1

For SEC-registered entities:

Certificate of Incorporation/Registration

Articles of Incorporation and By-Laws, and Amendments, if any

Updated General Information Sheet

Certification from SEC that the entity has not been dissolved nor has the

The commission received any derogatory information that would prevent it

from exercising its primary purpose or business

31.1.2 For BSP registered entities (in addition to the required documents

from SEC):

a. Certificate of Authority

b. Certification of Good Standing issued by the Philippine Deposit Insurance

Corporation (PDIC)

31.1.3 For IC registered entities (in addition to the required documents from

SEC):

a. Certificate of Registration

b. Certificate of Authority

31.1.4

For CDA registered entities:

Certificate of Registration

Articles of Cooperation and By-Laws, and Amendments, if any

Updated Cooperative Annual Progress Report (CAPR)

CDA Certificate of Good Standing intended for DepEd APDS Accreditation

purposes (original to be presented for validation purposes)

31.1.5

Additional documents required from all new applicants:

Letter of Intent signed by the President/Chairman/Chief Executive Officer

Latest organization profile

Ownership structure, including, among others, the percentage of share

ownership of the stockholders/members

Curriculum vitae/bio-data of corporate directors and officers with

photocopy of ID with picture and signature. For government employees,

the accomplished and filed Civil Service Commission Form 212 (Personal

Data Sheet) must be submitted

List of all products and/or services offered to DepEd personnel. For

applications for insurance business and mutual benefit and association

memberships: approval from their respective government regulatory

agencies to offer such products and/or services

In case of mutual benefit associations, DepEd personnel cooperatives, and

associations, a Certification from its President/Chairman that the

organization is duly operating under existing laws which are managed by

and/or for the benefit of government employees

AFS for the two (2) immediately preceding years, stamped received by the

BIR

Copy of Income Tax Return (ITR) for the two (2) immediately preceding

years, with proof of payment

BIR Certificate of Registration (Form 2303) of Tax

Identification Number (TIN)

List of main and all field offices/branches, including the names of its

Authorized Personnel/Head of Office/Branch Manager per region, with

complete addresses, any official contact number, and official e-mail

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addresses, with a corresponding Certification that the said offices/branches

can sufficiently render all the services mentioned in paragraph 22

l. For entities applying for accreditation for lending business: sample

amortization schedules for each type and term of loan, showing the rates

of interest, non-interest, and other charges (itemized), following the

Effective Interest Calculation Model in Annexes “D-1” to “D-5” of Enclosure

2 . For entities applying for accreditation for lending business: subscribed

a statement attesting to the Truth in Lending Act with attached expanded

Disclosure Statement on Loan/Credit Transaction (as required under R.A.

3765, Truth in Lending Act)

n. Business Permits of all offices/branches intended for lending purposes

o. Contract of Lease (effective during the term of the TCAA) or proof of

ownership of offices/branches

p. For affiliate companies: Certification executed by both the private entity

and the affiliate companies stating that the latter can sufficiently render all

the services mentioned in paragraph 22

32.

For Re-Accreditation of private entities with existing APDS Codes:

32.1

To be qualified for re-accreditation process, the applicant entity must comply with

the submission of the reportorial requirements specified in paragraph 8.2 of the

previous TCAA. In addition, the following documents must also be submitted:

a. Letter of Intent signed by the President/Chairman/Chief Executive Officer;

b. Updated Curriculum vitae/bio-data of corporate directors and officers with

photocopy of ID with picture and signature. For government employees, the

accomplished and filed Civil Service Commission Form 212 (Personal Data

Sheet) must be submitted; and

c. Updated List of all products and/or services offered to DepEd personnel. In

the case of insurance companies/MAS organizations, it is required that they

should secure certification from the Insurance Commission on their approved

products and/or services offered.

33.

The Department may, from time to time, require accredited entities to submit hard

copies of Promissory Notes, Authorities to Deduct, Disclosure Statements, Subsidiary Ledgers,

Insurance Policy Contracts, Certificates of Membership, and other APDS-related membership and

transaction documents of DepEd personnel.

VII.

ACCREDITATION/RE-ACCREDITATION PROCESS

34.

Accreditation/Re-accreditation shall be continued in cycles of five (5) years. For

this cycle, the accreditation/re-accreditation of private entities under APDS shall run from the date

of the notarization of the new TCAA until December 31, 2025. Subsequent cycles shall still run

for a full cycle of five (5) years starting January 1, 2026.

35.

Entities aspiring to participate in the APDS must submit the complete set of

documentary requirements to the following:

35.1 DepEd Central Office (CO) –

a. Non-stock savings and loans associations and mutual benefit

associations duly operating under existing laws and cooperatives which

are managed by and/or for the benefit of government employees. For

cooperatives, the operations/offices must be in more than one (1)

region;

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b. Associations or Provident Funds organized and managed by

government employees for their benefit and welfare;

c. Licensed insurance companies; and

d. Thrift banks or rural banks accredited by the BSP.

35.2

DepEd Regional Office (RO) - DepEd personnel cooperatives whose composition

of incorporators and members include retired, resigned and

active/current DepEd officials and employees, and whose operations are

limited to one (1) region.

35.3

Cooperatives whose operations are limited only in 1 region with previous

accreditation at the DepEd CO may still submit the complete documents for reaccreditation to the said office for evaluation.

36.

Acceptance of applications shall be as follows:

36.1

For accreditation, the required documents must be submitted on or before July

31, 2021. Evaluation and processing of applications with complete submission of

the said required documents shall reckon on August 1, 2021, and is expected to

be concluded up to the issuance of the TCAA on or before August 31, 2021.

36.2

For re-accreditation, the required documents must be submitted on or before June

30, 201). Evaluation and processing of applications with complete submission of

the said required documents shall reckon on July 1, 2021, and is expected to be

concluded up to the issuance of the TCAA on or before July 31, 2021.

37.

DepEd APDS Task Forces comprising of seven (7) to nine (9) members shall

be formed at the RO and CO. Each Task Force shall be composed of the following personnel

holding plantilla positions:

Designation

Chairperson

a. Regional Director or

Assistant Regional Director

Vice Chairperson

Members

b. Chief Administrative Officer,

Administrative Division

c. Chief Administrative Officer,

Finance Division

d. Supervising Administrative

Officer, Finance Division

e. Head of Accounting Unit,

Finance Division

f. Head, Personnel Section or

Payroll Services Unit,

Administrative Division

g. One (1) representative from

the Legal Unit, preferably

holding an Attorney position

a. Assistant Secretary for

Finance Service

b. Assistant Secretary for Legal

Service

c. Assistant Secretary for Field

Operations

d. Director, ICTS or his

representative

e. Director for Finance Service

f. Chief Administrative Officer,

Employee Account

Management Division

(EAMD)

g. Chief Administrative Officer,

Personnel Division

h. Supervising Administrative

Officer, EAMD

One (1) Representative

from Accounting Division

38.

The designated Chairpersons of the respective Task Forces shall issue an Office

Order designating the Task Force members and furnish the Office of the Undersecretary for

Finance and the APDS Secretariat, a copy of the same. A similar process shall be followed in case

of changes in the composition of a Task Force.

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39.

The members of the Task Force may recommend a permanent alternate within the

same office, holding a plantilla position, to attend meetings in his/her absence. The Chairperson

may designate an officer from the members of the Task Force to officiate a meeting in the

Chairperson’s absence.

40.

The following procedure shall be followed for entities applying at DepEd CO:

40.1

The complete set of documentary requirements must be submitted on or before

the deadlines specified, with the letter of intent addressed to the Office of the

Secretary, through the Undersecretary for Finance.

40.2

The Office of the Undersecretary for Finance, with the assistance of the APDS

Secretariat and Regional APDS Task Forces, shall review and evaluate the

submitted documents as well as validate compliance with all the necessary

requirements by the applicants.

40.3

The Office of the Undersecretary for Finance on the basis of the review, may

approve or disapprove the application. For applications for Re-Accreditation,

records of the concerned entities’ compliance with the previous TCAA will be

considered in making the decision on whether to approve or disapprove. A letter

of notification of the action taken thereon shall be served by the aforesaid Office

to the applicants.

40.4

If approved, a corresponding TCAA shall be executed by the accredited entity,

through its authorized representatives, and acknowledge the same before a notary

public.

40.5

The responsibilities of the accredited entity are contained in the enhanced TCAA

(Enclosures 2 and 3), subject to modification whenever necessary.

40.6

Accreditation is considered complete only upon the notarization of the TCAA.

41.

The following procedures shall be followed for entities applying at the DepEd RO:

41.1

The complete set of documentary requirements must be submitted to the

concerned DepEd Regional Office on or before the deadlines specified, with the

letter of intent addressed to the Regional Director.

41.2

The Regional APDS Task Force shall review and evaluate the submitted documents

as well as validate the compliance of the cooperative with all the necessary

requirements under these guidelines.

41.3

On the basis of the evaluation made by the Regional APDS Task Force, the Regional

Director shall approve or disapprove the application for Accreditation/Reaccreditation. For applications for Re-Accreditation, records of the concerned

cooperative’s compliance with the previous TCAA will be considered in making the

decision. A letter of notification on the action taken shall be served by the aforesaid

Office to the applicants.

41.4

For approved applications, the Regional Director shall send a written request for

the assignment of the APDS Code (and Sub-Codes, if applicable) to the

Undersecretary for Finance, through the APDS Secretariat.

41.5

Upon receipt of the APDS Code (and Sub-Codes, if applicable), the corresponding

TCAA shall be executed by the accredited entity through its authorized

representative.

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41.6

The roles and responsibilities of both parties, as well as the other terms and

conditions of the TCAA, are enumerated in Enclosures 2 and 3, subject to further

modification whenever necessary.

41.7

Accreditation is considered complete only upon the notarization of the TCAA.

42. Non-accreditation or disapproval of the application for Accreditation or ReAccreditation shall result in the denial of the entity’s privilege to transact new business under

APDS. However, for entities failing to get approval for Re-Accreditation, the DepEd shall:

42.1 For lending business: Continue servicing the collection of existing deductions already

included in the APDS, up to the deduction termination dates reflected in the pay slip,

and remit the same to the entity. Thereafter, the APDS Code is automatically

cancelled.

42.2 For insurance premia or membership dues/contributions: Continue servicing

the collection of deductions already incorporated in the payroll system, as of the

date of the disapproval, for the next three (3) months or until requested for stoppage

by the DepEd policy holder/member/depositor, whichever comes earlier, and remit

the same to the entity. Within sixty (60) calendar days from the said disapproval,

DepEd shall notify the concerned DepEd personnel of the stoppage of deductions,

and the latter may transact and/or pay directly to the formerly accredited entity, or

terminate their memberships therewith. Thereafter, the APDS Code and Sub-Codes,

if any, are automatically cancelled.

VIII. SUSPENSION OR REVOCATION OF ACCREDITATION

43.

Entities applying for Accreditation agree that such Accreditation may be suspended

or revoked by DepEd as may be provided in the TCAA.

IX.

MONITORING AND EVALUATION

44.

Monitoring the compliance of APDS accredited entities with these guidelines and

the TCAA, including addressing issues that arise in implementation, shall be undertaken by DepEd

through the APDS Task Forces and the APDS Secretariat.

45.

The APDS Task Forces shall have the following responsibilities within their

respective jurisdictions:

45.1

Validate the existence of offices of entities during the application stage and as the

need arises. To expedite the validation, the services of the Schools Division Office

located near the entity’s office or branch is located, may be tapped, provided, the

Validation Report shall be supported with proof of existence of office like pictures

of the office and its staff and the report is signed by the members of the Regional

APDS Task Force.

45.2

Conduct spot-checking or monitoring activities of the compliance of entities;

45.3

Submit annual reports to the Undersecretary for Finance on the compliance of the

entity of the TCAA on or before the end of February of each year;

45.4

Monitor the submission of annual documentary requirements of school-based

cooperatives;

45.5

Monitor compliance of the designated DepEd Verifiers, Authorized Agency Officers

for GSIS loans and the Pag-Ibig Loan Endorsers, with regard to the requirements

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stipulated in the General Provision of the annual GAA on the resulting Net Take

Home Pay of DepEd borrowers when applying for loans under the APDS.

45.6

Conduct investigations, fact-finding activities, meetings, and/or mediation activities

as necessary to address issues raised by various stakeholders, and submit a

corresponding report and/or recommendations to the Undersecretary for Finance

for centrally accredited entities and to the Regional Director for school-based

cooperatives; and

45.7

Other tasks as may be assigned by the Secretary or the Undersecretary for Finance.

46.

When conducting monitoring activities such as validation of existence of offices

and spot-checking, at least three (3) members of the Task Force should be present. The

Validation Report on the existence of the Entity’s office/s shall be submitted in advance to DepEd

Central Office via email. Thus, the corresponding letter of approval may be issued and released

to the Lender prior to the receipt of the original copy thereof.

47.

The APDS Secretariat shall have the following responsibilities:

47.1

Monitor the submission of annual documentary requirements of centrally

accredited entities;

47.2

Validate, consolidate and analyze/review all reports submitted by the APDS Task

Forces;

47.3

Seek opinion from the Office of the Undersecretary for Legal Affairs as needed;

47.4

Collect, analyze, and report data on contributions and obligations covered by APDS;

47.5

Prepare complete staff work on matters needing policy and implementation

decisions;

47.6

Recommend to the Secretary, through the Undersecretary for Finance, appropriate

action, including creation of ad hoc bodies to resolve issues when needed; and

47.7

Other related tasks that may be assigned.

48.

A periodic review of this guidelines to further enhance its provisions and

effectiveness shall be conducted by DepEd.

FINAL PROVISIONS

REPEALING CLAUSE

49. The following DepEd issuances are hereby repealed:

49.1

DO No. 19, s. 2019 entitled “Implementation of the P5,000 Net Take Home Pay

for the Department of Education Personnel for Fiscal Year 2019;”

49.2

DO No. 18, s. 2018 entitled, “Revised Guidelines on Accreditation/Reaccreditation of Private Entities under the Automatic Payroll Deduction System

(APDS) Program;

49.3 DO 49, s. 2017 entitled, “Revised Guidelines on Accreditation/Re-Accreditation of

Private Lending Institutions (PLIs) under the Automatic Payroll Deduction System

(APDS) Program;”

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49.4

DepEd Memorandum (DM) No. 489, s. 2009 entitled, “Revised Automatic Payroll

Deduction System (APDS) Guidelines on Accreditation/Re-Accreditation of

Insurance Companies, Mutual Benefits Associations, Cooperatives/Associations

and Other Organizations Authorized by Law;” and

49.5

All earlier DepEd issuances on the same subject.

50.

Unless otherwise repealed or amended, the pertinent provisions of DO 14, s. 2019

entitled, “Implementation of the P5,000 Net Take Home Pay for the Department of Education

Personnel for Fiscal Year 2019” are deemed integral parts and adopted in these guidelines.

51.

Any information to be requested to DepEd by the private entity accredited under

the APDS shall be subject to its availability and compliance with the provisions of Republic Act

10173 entitled “Data Privacy Act of 2012.”

52.

All other rules, regulations and issuances, which are inconsistent with these

guidelines are hereby repealed or modified accordingly.

B. EFFECTIVITY

53.

These guidelines shall take effect upon posting on the DepEd website.

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TABLE OF CONTENTS FOR ENCLOSURE 2

Terms and Conditions of the APDS Accreditation (TCAA) for Loans

Particulars

10.

11.

12.

13.

Page No.

Statement of Principles

Accreditation and Assignment of APDS Code

Granting of Loans

Billing of Loans

Over-the-Counter Payments

Over-deduction

Remittance

Documentary Requirements

Other Conditions

Necessary Attachments

Grounds for Suspension or Revocation

Effectivity of the TCAA

Final Provisions

AANNEXES FOR ENCLOSURE 2

Annex

Particulars

Page No.

Notarized Secretary’s Certificate supported by a Board Resolution authorizing the

Lender’s representative to execute this TCAA

c/o Lender

B-1

Procedures for the Manual Processing of Loan Applications of DepEd Borrowers

Under the Department’s Program on Automatic Payroll Deduction System (APDS)

B-2

Procedures for the Online Process of Loan Applications of Deped Borrowers Under

the Department’s Program on Automatic Payroll Deduction System (APDS) – (NEW

ANNEX)

C-1

Prescribed Templates for Authority to Deduct and Promissory Note

C-2

Prescribed Template for Disclosure Statement

D-1

D-2

D-3

Effective Interest Rate Calculation Models for Loans Using the DepEd Ceilings for

Interest Rates and Other Charges

1-year term

2-year term

3-year term

Sample Sworn Statement Regarding the Loan Documents Submitted and Full

Explanation of the Terms and Conditions of the Loans to the Borrowers

Procedures for the Online Process on the Submission of Monthly Billing Statements

by the Lender Under the Department’s Program on APDS (NEW ANNEX)

Provinces/Regions Where the Lender has Office/s as Validated By DepEd

Grounds for Suspension or Revocation of Accreditation (For Lending, Insurance

Premia, or Membership Dues/Contributions, as Applicable)

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(ENCLOSURE 2 TO DEPED ORDER NO. 20, S. 2021)

TERMS AND CONDITIONS OF THE APDS ACCREDITATION (TCAA)

FOR LOANS

STATEMENT OF PRINCIPLES

1.1

Participation in the DepEd Automatic Payroll Deduction System (APDS) at the

national, regional and school levels may be granted to private institutions authorized

under specific law to be paid through salary deductions, and accredited by DepEd

after fulfillment of requirements as provided in DepEd Order No. 20, s. 2021.

1.2

The accredited private institution shall subscribe to the following principles:

1.2.1

1.2.2

Full transparency in reporting operations and financial status as evidenced

by audited financial statements and appropriate disclosure statements; and

Integrity of operations through proper and complete documentation of

loans to DepEd personnel.

1.3

The DepEd shall ensure that the objectives and purposes of APDS are achieved

through proper regulation, periodic review, and accreditation/re-accreditation.

1.4

The APDS shall be implemented in accordance with the limitations imposed by

existing and new laws, such as on monthly net take-home pay (NTHP) and order of

preference of deductions.

ACCREDITATION AND ASSIGNMENT OF APDS CODE

2.1

Accredited entities shall be assigned APDS codes for their exclusive use.

2.2

APDS Code <number> for lending business shall strictly be used for the collection

of loan payments only1.

2.3

The APDS Code is not transferable, for sale, or for assignment to any other entity,

except in cases of acquisition, merger, and consolidation of entities. In the event

that the Lender changes its corporate name or effects other corporate changes, the

Lender shall furnish DepEd with duly certified copies of the amended Articles of

Incorporation/Cooperation [as applicable to the entity] and by-laws approved by the

SEC/CDA [as applicable to the entity] to enable the DepEd to update its records

accordingly.

GRANTING OF LOANS

3.1

For loans intended to be serviced through the APDS, the Lender shall process loan

applications and release loan proceeds in accordance with the terms and conditions

herein.

3.2

Processing of online/digital applications may be allowed under APDS, provided

DepEd is notified by the Lender in writing, duly supported with information on its

detailed procedures/mechanics and online process flow in granting loans presented

to the DepEd Central Office APDS Task Force, and acknowledged/authorized by

DepEd.

The APDS Code issued in this TCAA shall not be used for deductions for insurance premia and/or membersip dues/contributions.

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3.3

The Lender shall exert all efforts to examine the authenticity of documents

submitted online by the applicant. In case of fraud, and/ or misrepresentation

thereof, it shall be solely responsible for the process of approving the membership

applications of DepEd personnel.

3.4

The Lender may approve a loan only upon certification by the DepEd Verifier,

secured by the Lender through the DepEd Borrower (hereinafter referred to as

“Borrower”), stating that the monthly payments can be accommodated within the

threshold of the monthly NTHP as required in the General Appropriations Act (GAA)

at the time of approval of loan. Succeeding deductions shall conform to the monthly

NTHP as provided by the GAA or other applicable laws at the time of the deduction.

3.5

The Lender shall accept loan applications only from DepEd officials and personnel

who have served at least six (6) months in DepEd and are incorporated in the

regular payroll with issued employee number, whether assigned at the national,

regional, schools division, or school level [implementing unit (IU) or non-IU].

3.6

The Lender shall follow the procedure on the processing of loan application and

approval as contained in Annex “B-1” (for on-site/manual processing) and

Annex “B-2” (for online processing).

3.7

The Lender shall immediately release the loan proceeds to the Borrower upon

approval.

3.8

The Lender shall ensure that every loan is fully documented with a completely filled

out Authority to Deduct (ATD), Promissory Note (PN), and Disclosure Statement

(DS). These must be accomplished following the standard forms/templates as

contained in Annexes “C-1” and “C-2”, and with consistent information. The Lender

shall furnish the Borrower copies of these documents free of charge, upon release

of the loan, including a copy of the amortization schedule, in accordance with

Annexes “D-1” to “D-3” of this TCAA.

3.9

Except for existing loans at the time of execution of this TCAA, the Lender is

authorized to grant only one (1) new loan per Borrower for inclusion in the APDS.

However, the Lender may grant additional loan to Borrowers in the event there is a

declaration of state of calamity in the particular province/s, subject to NTHP

verification.

3.10

3.9.1

Availment of this additional loan shall be available within three (3) months

after the declaration of state of calamity.

3.9.2

Additional loan due to other forms of emergency situation shall also be

allowed upon the approval of the DepEd Secretary through the

Undersecretary for Finance.

In case of loan renewal, the Lender shall deduct the outstanding principal balance

from the proceeds of the renewed loan and reflect such in the Disclosure Statement

(DS). All loan renewals, regardless whether applied for by the Borrower before its

end term, shall be treated as a new loan. Application for renewal of loan shall be

allowed only once on existing loans granted under the previous TCAA of the Lender,

as reflected in the pay slip of DepEd personnel.

3.11 The Lender may be allowed to offer one-time restructuring of current and past due

loans (Undeducted Obligations) to the Borrower, subject to the following

conditions:

Application for loan restructuring by the Borrower is voluntary;

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ii.

Only loans reflected on the pay slip of the Borrower shall be restructured;

iii.

In case the Lender has granted more than one (1) loan to a Borrower as

reflected on the Borrower’s pay slip, the Lender shall consolidate these into

one (1) loan during restructuring; and

iv.

Penalties, if any, shall be waived (i.e., shall not be charged against the

Borrower directly or indirectly)

3.12

Granting of additional, renewal and restructuring of loans shall be subject DepEd’s

verification process if the corresponding loan amortization can be accommodated in

the payroll, and shall be with lower or the same loan terms based on the TCAA.

3.13

The Lender shall abide by the APDS policies on the terms and conditions of loans to

be offered to Borrowers, including but not limited to the ceilings on interest rates

and non-interest charges, and shall not impose any other charges except as

provided in Annexes “D-1” to “D-3” of this enclosure.

3.14

The Lender shall ensure that conditions on penalties and/or past due interest on

loans, if any, shall be reflected in the DS to be signed by Borrowers, with a notation

that the same shall not be collected through the APDS. The fully accomplished DS

shall be an indispensable requirement for inclusion of the loan in the APDS.

3.15

The Lender shall not compel any Borrower to take out any type of insurance contract

as a condition to the loan agreement, except credit life insurance, the premium for

which shall be included in the one-time other charges specified in Annexes “D-1” to

“D-3”.

3.16

The Lender shall fully explain the terms and conditions of the loan to the Borrower.

The Lender shall submit a Sworn Statement to this effect together with its billing.

(See Annex “E” for the sample.)

3.17

The Lender shall not require the surrender of an Automated Teller Machine (ATM)

card as collateral from Borrowers for their loans.

3.18

The Lender shall not deduct advance payments from the loan proceeds of the

Borrowers.

3.19

The Lender shall ensure that the venue of litigation in the event of legal suit against

the Borrower or the Lender shall be within the location of the Borrower’s work

station only.

4. BILLING OF LOANS

4.1

The Lender shall consolidate all the loan accounts granted within a month into one

billing.

4.2

The Lender shall be responsible for submitting monthly billings to the PSU and IU,

and checking and retrieving any returned billings (refer to Annex F for the

procedure). Any billing for new loans granted by the Lender that will reduce the

monthly minimum NTHP shall not be accommodated and shall be returned to the

Lender.

4.3

The Lender shall not bill new loans if the Borrower has existing Undeducted

Obligations as reflected in his/her pay slip.

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4.4

For loan amortizations to be incorporated in the next payroll month, the Lender shall

submit billings for all loans granted within the current month on or before the 5th

working day of the same month. Under no circumstance shall the Lender bill a

Borrower for loans not yet granted.

4.5

The Lender shall submit billing statement to DepEd in an electronic format as agreed

with the PSU and IU. The billing must be duly supported with soft copies of the

required ATD, PN, DS, proof of loan release (i.e. checks, loan vouchers, credit

memos, remittance lists, and others) duly acknowledged by Borrowers and Sworn

Statement mentioned in item 3.16 above.

4.5.1

Only billings certified by DepEd Verifier that such loan amortization could

be accommodated in the payroll and with complete supporting documents

shall be processed by the PSU. The Lender may opt to submit billing

statement via email or direct to the PSU/IU secondary school’s office.

4.5.2

Notarization of the PN is optional. Unless it is notarized, notarial fee shall

not be included under Other Charges.

4.5.3

The Lender shall be solely responsible in case of misrepresentation in the

submission of the said supporting documents.

4.6

The Lender shall provide copies of the billings to the concerned Schools Division

Offices within ten (10) days after the submission of its billing to the DepEd.

4.7

The Lender shall not charge penalties/fines/surcharges due to delays of payments as

a result of any of the following:

4.7.1

4.7.2

4.7.3

4.7.4

4.7.5

Failure on the part of the Lender to pick up remittance checks;

Non-remittance due to suspension or revocation of Accreditation;

Failure of the DepEd to remit on time due to errors, inadvertence, force

majeure, or any extreme circumstance;

Non-existence of office or affiliate company in a particular province; and

Other reasons/causes similar or analogous to the above.

4.8

In case of Borrower’s transfer of work station to other region, for purposes of

collection only, the Lender may submit the corresponding billing to the concerned

PSU/IU. Such billing shall be supported with new ATD signed by the Borrower and

other requirements specified in item 4.5 above. The Lender shall not renew the

Borrower’s loan unless the former has established office or affiliate/partner duly

acknowledged by DepEd in the region where the Borrower has transferred.

4.9

In case the Borrower was temporarily removed from the regular payroll due to

prolonged leave of absence, (or any other similar or analogous reasons), the loan

deductions on his/her pay slip shall be retained and shall appear once he/she has

reported back to office, and is integrated back to the regular payroll.

4.10

The Lender shall be responsible or collecting the outstanding loans of its Borrowers

outside APDS, in case of their retirement, resignation or termination of appointment.

5. OVER-THE-COUNTER PAYMENTS

5.1

The Lender shall not refuse to accept tender of payment made in advance by

Borrowers, whether partial or in full. In case of full payment, the Lender shall

immediately: a) inform the PSU/IU to delete the loan deductions; and b) submit the

deletion file for the said deduction.

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5.2

In case of advance payment, the Lender shall collect only the outstanding principal

balance and shall charge interest only up to the date when the advance payment was

made.

5.3

In case of full payment of loan by the Borrower, the Lender shall automatically include

the Borrower’s name in the list of loan amortizations for stoppage in the payroll and

in the Deletion File to be effected immediately in the next payroll month.

5.4

The Lender shall request the PSU and IU the monthly list of payroll deductions that

were stopped, and the corresponding supporting documents such as the Borrower’s

request for stoppage.

6. OVER-DEDUCTION

6.1

In case of over-deductions, the Lender shall refund the corresponding amount to the

Borrower concerned within thirty (30) days from knowledge or notice thereof.

6.2

The Lender shall request DepEd for the adjustment of Service Fee in the next payroll

month, corresponding to the amount refunded on over-deductions. The said request

must be duly supported with proof of refund, duly acknowledged by the Borrower.

7. REMITTANCE

7.1 The Lender shall pay DepEd a service fee of ____ percent (___%) of the total monthly

collection, which shall be automatically deducted from their collection before

remittance. [The rate shall be based on Title V General Principles, Item 29, of the

Revised Guidelines on Accreditation/Re-Accreditation of Private Entities under the

APDS.]

7.2

The Lender shall issue an OR to DepEd within fifteen (15) days after remittance of

payments. Failure to do so will cause the suspension of the release of succeeding

remittances until the issuance of the OR. The Lender may request DepEd to remit the

payments through either of the following modes:

a. Through intra- or interbank fund transfer: The Lender shall coordinate with the

remitting DepEd office for the procedure in setting up the fund transfer. The

Lender shall shoulder the service charge, if any.

b. Through check: The Lender shall pick up the remittance check from DepEd

within the succeeding month after the deductions were effected in the payroll.

Otherwise, the preparation of succeeding checks will be suspended until the

prepared check is picked up. Any request for replacement of stale checks shall

be supported by written justification from the Lender.

7.3

Loan amortizations shall be refunded to the Borrowers in case the corresponding

remittance check became stale and not requested by the Lender for replacement

after notification by the DepEd for three (3) times.

8. DOCUMENTARY REQUIREMENTS

8.1

The Lender shall ensure the issuance of a Statement of Account (SOA) for every loan

granted to a Borrower, free of charge, annually and anytime upon request, preferably

within the day that the request was made by DepEd or by the Borrower, but in no

case after more than three (3) days from such request. The SOA shall include an upto-date payment history.

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8.2

The Lender shall submit through email or electronic medium (USB), and other digital

means, the following documents, duly certified as true copies by the concerned

government regulatory agencies (i.e. SEC/CDA/IC), to the DepEd Central Office (CO),

annually, through the APDS Secretariat, on or before September 30, except for

business permit/s, the deadline for which is March 31 of the current year.



Audited Financial Statements for the previous year, duly filed and stamped

received by the BIR

Corporate income tax return for the previous year, duly filed and stamped

received by the BIR

Business Permit/s for the current year in the provinces where the Lender has

its office/s

[Additional documents as applicable to the entity:]



8.3

SEC Certification that (i) the Lender has not been dissolved and (ii) that the

Commission has not received any derogatory information that would prevent

the entity from exercising its purpose/s as stated in its Articles of Incorporation.

The Certification shall cover a period of one year immediately preceding its

issuance.

General Information Sheet for the current year stamped received by the SEC

Certificate of Compliance issued by the CDA for the current year

Cooperative Annual Progress Report (CAPR) for the current year

PDIC Certificate of Good Standing covering the current year

IC Certificate of Authority covering the current year

The Lender shall submit to the DepEd CO, copy furnished the concerned DepEd

Regional Offices (ROs), reports on Outstanding Loan Receivables from Borrowers,

duly certified by the Lender’s Chief Accountant or his/her equivalent, on a semiannual basis (in electronic– MS Excel format and hard copies) scheduled as follows:

Cut-off Period

Deadline

As of June 30 of the year

On or before September 30 of the year

As of December 31 of the year On or before March 31 of the following year

OTHER CONDITIONS

9.1

The Lender shall not enter into any contract or agreement with DepEd offices other

than the CO/RO regarding salary loans under APDS.

9.2

The Lender shall limit its operation to provinces/regions where it has office/s and

affiliate companies. The office shall employ a full-time manager or authorized

personnel, and staff who shall maintain the complete records/loan documents,

accept payments, issue SOA, OR, and CFPL, and attend to other loan transactions

and any queries/complaints of DepEd personnel. Annex “G”, which forms an integral

part of this TCAA, contains the provinces/regions, including the location of its offices

(main and branches) and affiliate companies, if any, per province/region, where the

Lender is authorized to operate.

9.3

In case of transfer of the Lender’s office/s to another location or site, the Lender shall

notify DepEd in writing regarding such transfer before the closure of the existing

office/s, and submit corresponding necessary documents, for proper validation.

9.4

In case of change in contact number/s regardless if post-paid or registered mobile in

the name of the Lender or landline telephone, the Lender shall notify/update DepEd

Central Office by submitting a Certification stating therein the changes on contact

number/s that will be officially used in transacting with DepEd employees.

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9.5

The Lender shall make available to DepEd for inspection at any reasonable time all

ATDs, PNs, DS and other related documents in the course of periodic review of the

loan portfolio.

9.6

In case of a merger or consolidation involving the Lender, the Lender shall make sure

that the surviving entity shall submit the following within three (3) months upon their

availability, in addition to the documents required for accreditation:

 Formal letter signifying their intention to maintain their APDS accreditation for

lending under the same deduction code together with a board resolution or

secretary's certificate;

 Certified true copy of the Articles of Merger or Consolidation; and

 Deed of Assignment, if any.

9.7

In case the Lender is put under Receivership/Liquidation, the DepEd shall continue

the payroll deduction from the monthly salary of the Borrower until full payment and

the corresponding remittance to the appropriate government regulatory agency

(PDIC for banks, CDA for cooperatives, Insurance Commission for insurance

companies, etc.). However, the DepEd shall automatically stop the deductions of

loan amortization in case of written request from the Borrower.

9.8

The Lender shall not use the name of DepEd or the term “public school teacher” in

its promotions or in any form of advertisement.

10. NECESSARY ATTACHMENTS

10.1 This TCAA shall include as integral parts the following attachments:

10.1.1

Annex “A” – Notarized Secretary’s Certificate supported by a Board

Resolution authorizing the Lender’s representative to execute this TCAA.

10.1.2

Annexes “B-1 and B-2” - Procedures for the Processing of Loan

Applications of DepEd Borrowers Under the Department’s APDS (onsite/manual and on-line process, respectively).

10.1.3

Annexes “C-1” and “C-2” – APDS Templates/Standard Format of

Authority to Deduct, Promissory Note, and Disclosure Statement

10.1.4

Annexes “D-1” to “D-3” – Effective Interest Rate Calculation Models for 1-,

2-, and 3-year loans using the DepEd ceilings for interest rates and other

charges.

10.1.5

Annex “E” – Sample Sworn Statement regarding the loan documents

submitted and full explanation of the terms and conditions of the loans to

the Borrowers.

10.1.6

Annex “F” – Procedures for the Online Process on the Submission of

Monthly Billing Statements by the Lender Under the Department’s Program

on APDS.

10.1.7

Annex “G” –– Provinces/Regions where the Lender has office/s as validated

by DepEd, with the main office per province/region identified, indicating

therein the address/es, official contact numbers, and the name/s of

manager/s and contact person/s.

10.1.8

Annex “H” – Grounds for Suspension or Revocation of Accreditation.

Page 7 of 26

CORRECTED COPY

11. GROUNDS FOR SUSPENSION OR REVOCATION

11.1

The Lender agrees that its Accreditation may be suspended or revoked by DepEd

based on grounds enumerated in Annex “H”.

11.2

Suspension, which involves the withholding of remittance for not less than one (1)

month but not more than six (6) months, and the corresponding non-acceptance of

new business or deduction billing for not less than one (1) month, shall be imposed

upon repeated commission of grounds classified as “Simple”.

11.3

The Accreditation shall be revoked upon commission of grounds classified as

“Serious”. When the Accreditation is revoked, the Lender shall no longer be allowed

to grant new business in the affected provinces/regions under the APDS. However,

collection of deductions already incorporated in the APDS as of the date of revocation

shall continue up to the termination dates reflected in the pay slip. Thereafter, the

APDS Code is automatically cancelled.

11.4

Any suspension or revocation imposed upon a particular office shall likewise be

considered as sanction against all its other offices within the same province/region.

If imposed on the Head Office, the same shall be imposed upon all its other offices

in the national level.

11.5

Any complaint for the commission of any of the grounds for suspension or revocation

should be made in writing and sufficient in form and substance. For the purposes of

a formal investigation, the complaint must:

 Contain the names and addresses of the complainant/s;

 Contain the entity or person subject of the complaint;

 Contain the acts or omissions complained of constituting the infraction, based

on the personal knowledge of the complainant;

 Be accompanied with supporting documents, as needed; and

 Be notarized.

However, DepEd shall not be precluded from conducting an investigation/factfinding on the basis of other information received or discovered.

11.6

Commission of grounds for suspension or revocation shall be validated by the

appropriate committee or task force designated by the Secretary. The APDS Task

Forces in the CO and ROs may impose the suspension or revocation as a result of its

investigation. The suspension or revocation may be appealed to the Office of the

Secretary, through the Office of the Undersecretary for Finance, within a period of

fifteen (15) days from notice. Pending the resolution by the Office of the Secretary,

the suspension or revocation shall be held in abeyance. The suspension or revocation

imposed by the APDS Task Force shall be reported to the Secretary, through the

Undersecretary for Finance, for monitoring and records purposes.

12. EFFECTIVITY OF THE TCAA

12.1

This TCAA shall be valid upon signing and notarization, and shall be effective until

December 31, 2025.

12.2

For purposes of renewal of this TCAA, the Lender shall submit its Letter of Intent

for the APDS re-accreditation at least one (1) month prior to the date of expiration.

Page 8 of 26

CORRECTED COPY

13. FINAL PROVISIONS

13.1

This TCAA, its annexes, and pertinent DepEd issuances shall be the governing

documents with reference to the inclusion of the Lender in the APDS.

13.2

The Lender shall conform to any APDS policy subsequently issued by DepEd in the

form of DepEd Order, Memorandum, or other issuance. Any provision in this TCAA

affected by such subsequent APDS policy is deemed automatically modified or

repealed as applicable.

CONFORME:

ACKNOWLEDGEMENT

Page 9 of 26

CORRECTED COPY

ANNEX “B-1”

PROCEDURES FOR THE MANUAL PROCESSING OF LOAN APPLICATIONS OF

DEPED BORROWERS UNDER THE DEPARTMENT’S PROGRAM ON

AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS)

1. The DepEd Borrower (hereinafter referred to as the “Borrower”) shall present

his/her latest available pay slip to the APDS accredited lending entity (hereinafter

referred to as the “Lender”) as part of his/her loan application.

2. The Lender shall evaluate the Borrower’s loan application using its own criteria,

including the Borrower’s capacity to pay based on the presented pay slip. The

presence of “Undeducted Obligations” in the Borrower’s pay slip indicates his/her

lack of capacity to pay the loan through the APDS, hence, such borrower is ineligible

to borrow under the APDS.

3. If the loan application passes the Lender’s evaluation, the Lender shall stamp the

following on the face of the pay slip without obscuring the pertinent details therein:

Corporate name of the Lender and APDS Code for lending;

Principal amount of the loan;

Term of the loan (first and final months of deduction);

Amount of monthly amortization;

Date of loan evaluation; and

Name and signature of Lender’s Loan Officer.

4. The Lender shall e-mail a scan of the stamped pay slip to the Borrower using the

e-mail subject, “Request for Confirmation of Evaluated APDS Loan- <Lender’s

APDS Code> - <Borrower’s complete name>”2 and return the stamped pay slip to

the Borrower.

5. The Borrower shall forward the e-mail received from the Lender to the

official/designated DepEd e-mail address of the concerned DepEd Verifier

(hereinafter referred to as “Verifier") using the Borrower’s official DepEd e-mail.

6. The Verifier shall record the details of the Borrower and of the loan evaluated by

the Lender that are pertinent to the assessment of the Borrower’s capacity to pay.

7. The Verifier shall determine if the stamped monthly amortization can be

accommodated in the APDS, cognizant of the Borrower’s eligibility to avail of loans

under the APDS, the NTHP rule, and the Borrower’s capacity to pay based on the

presented pay slip and the Verifier’s records. The Verifier, based on his/her

records, shall also check if the Borrower has approved obligations that are not yet

reflected in the latter’s stamped pay slip.

First-in first-served rule shall be strictly observed in the verification of loan

applications.

8. The Verifier, using the official/designated DepEd e-mail, shall e-mail the Lender,

copy furnished (“Cc”) the Borrower, either of the following messages depending

on the Verifier’s assessment:

2The

DepEd Office concerned may prescribe its own e-mail subject through official communications with the Lenders, copy

furnished the Office of the Undersecretary for Finance.

Page 10 of 26

CORRECTED COPY

a. If the monthly loan amortization can be accommodated in the APDS:

Please be informed that as validated in our records, the loan you evaluated can

be accommodated in the APDS:

Borrower’s Name

Employee No.

Station Code

Principal Amount of

Approved Loan

Amount of Monthly

Amortization

Any misrepresentation in the Borrower’s application verified by the Lender shall

not be the liability of the Verifier.

b. If the monthly loan amortization cannot be accommodated in the APDS:

Please be informed that as validated in our records, the loan you evaluated

cannot be accommodated in the APDS for reasons stated below:

Borrower’s Name

Employee No.

Station Code

Principal Amount of

Approved Loan

Amount of Monthly

Amortization

Reason/s

e.g. Insufficient NTHP; With approved obligations that

are not yet reflected in the stamped pay slip

9. Depending on the Verifier’s assessment, the Lender shall do either of the following

upon receipt of the former’s e-mail:

a. If the monthly loan amortization can be accommodated in the APDS: Approve

the loan and release the loan proceeds to the Borrower within thirty (30) days

from receipt of the Verifier’s confirmation and notify the Verifier of the release

of the loan proceeds through e-mail within 24 hours from the date of loan

release.

b. If the monthly loan amortization cannot be accommodated in the APDS: Inform

the Borrower that the loan cannot be granted under the APDS.

-- End --

Page 11 of 26

Encorder credit: Grasonline, aytoloya, ict-edu, fundanedu

CORRECTED COPY

PROCESS FLOW ON LOAN APPLICATIONS OF DEPED BORROWERS UNDER

THE DEPARTMENT’S PROGRAM ON AUTOMATIC PAYROLL DEDUCTION

SYSTEM (APDS) – VIA APPLICATION TO THE LENDER’S PHYSICAL OFFICE

Borrower

Lender

Verifier

1. Presents latest available pay

slip to Lender.

2. Evaluates Borrower’s loan

application, including capacity to

pay based on original pay slip

3. If the loan application passes

the evaluation, stamps loan

details on the pay slip and signs

thereon.

If not, informs the Borrower

accordingly.

4. E-mails a scan of the stamped

pay slip and returns its hard

copy to the Borrower.

5. Forwards the Lender’s e-

mail to the Verifier for

confirmation.

6. Records the details of the

Borrower and of the loan

evaluated by the Lender that

are pertinent to the

assessment of the Borrower’s

capacity to pay.

7. Determines if the stamped

monthly amortization can be

accommodated in the APDS.

8. E-mails assessment to the

Lender, copy furnished the

Borrower.

9. If the monthly loan amortization

can be accommodated in the

APDS: Approve the loan and

release the proceeds to the

Borrower within thirty (30)

days from receipt of the

Verifier’s confirmation and notify

the Verifier of the loan release

through e-mail within 24 hours

from the date of loan release.

If the monthly loan amortization

cannot be accommodated in the

APDS: Inform the Borrower that

the loan cannot be granted

under the APDS.

10. Every 3rd day of the current

month, furnish PSU & IU-SS with

list of loans verified per PLI

Page 12 of 26

CORRECTED COPY

ANNEX “B-2”

PROCEDURES FOR THE ONLINE PROCESS OF LOAN APPLICATIONS OF DEPED

BORROWERS UNDER THE DEPARTMENT’S PROGRAM ON AUTOMATIC PAYROLL

DEDUCTION SYSTEM (APDS)

1. The DepEd Borrower (hereinafter referred to as the “Borrower”), using the deped.gov.ph

email address shall:

a. Secure ONLINE Loan Application Form (LAF) from the APDS accredited lending entity

(hereinafter referred to as the “Lender”);

b. Accomplish LAF and submit the same to the Lender together with the latest available

pay slip; and

c. Wait for the response of the Lender through email, if he/she is eligible to be granted

loan or not. In case eligible, forward the Lender’s response to the official e-mail address

of designated DepEd Verifier (hereinafter referred to as “Verifier").

2. The Lender shall:

a. Perform background check on the legitimacy of the loan being applied for by the

Borrower to prevent occurrence of loans applied by fictitious borrowers;

b. Evaluate the Borrower’s loan application using the Lender’s own criteria, including the

Borrower’s capacity to pay based on the presented pay slip. The presence of

“Undeducted Obligations” in the Borrower’s pay slip indicates his/her lack of capacity to

pay the loan through the APDS, hence, such borrower is ineligible to borrow under the

APDS;

c. If the loan application passes the Lender’s evaluation, stamp the following on the face

of the pay slip without obscuring the pertinent details therein:

ii.

iii.

iv.

vi.

Corporate name of the Lender and APDS Code for lending;

Principal amount of the loan;

Term of the loan (first and final months of deduction);

Amount of monthly amortization;

Date of loan evaluation; and

Name and signature of Lender’s Loan Officer;

E-mail a scan of the stamped pay slip to the Borrower using the e-mail subject, “Request

for Confirmation of Evaluated APDS Loan- <Lender’s APDS Code> - <Borrower’s

complete name>”3; and

e. Depending on the Verifier’s assessment, shall do either of the following upon receipt of

the former’s e-mail:

If the monthly loan amortization can be accommodated in the APDS: 1) Approve the

loan and release the loan proceeds to the Borrower within thirty (30) days from

receipt of the Verifier’s confirmation; and 2) notify the Verifier of the release of the

loan proceeds through e-mail within 24 hours from the date of loan release.

ii.

If the monthly loan amortization cannot be accommodated in the APDS: Inform the

Borrower that the loan cannot be granted under the APDS.

3The

DepEd Office concerned may prescribe its own e-mail subject through official communications with the Lenders, copy

furnished the Office of the Undersecretary for Finance.

Page 13 of 26

CORRECTED COPY

The Verifier shall:

a. Record the details of the Borrower and of the loan evaluated by the Lender that are

pertinent to the assessment of the Borrower’s capacity to pay;

b. Determine if the stamped monthly amortization can be accommodated in the APDS,

cognizant of the Borrower’s eligibility to avail of loans under the APDS, the NTHP rule,

and the Borrower’s capacity to pay based on the presented pay slip and the Verifier’s

records. The Verifier, based on his/her records, shall also check if the Borrower has

approved obligations that are not yet reflected in the latter’s stamped pay slip.

First-in first-served rule shall be strictly observed in the verification of loan applications;

c. Using the official/designated DepEd e-mail, shall e-mail the Lender, copy furnished (“cc”)

the Borrower, either of the following messages depending on the Verifier’s assessment:

i. If the monthly loan amortization can be accommodated in the APDS:

Please be informed that as validated in our records, the loan application you evaluated

can be accommodated in the APDS:

Borrower’s Name

Employee No.

Station Code

Principal Amount of

Approved Loan

Amount of Monthly

Amortization

Any misrepresentation in the Borrower’s application verified by the Lender shall not be

the liability of the Verifier.

ii. If the monthly loan amortization cannot be accommodated in the APDS:

Please be informed that as validated in our records, the loan application you evaluated

cannot be accommodated in the APDS for reasons stated below:

Borrower’s Name

Employee No.

Station Code

Principal Amount of

Applied Loan

Amount of Monthly

Amortization

Reason/s

e.g. Insufficient NTHP; With approved obligations

that are not yet reflected in the stamped pay slip

d. Every 3rd day of the current month, furnish the Payroll Services Unit (PSU) and/or

Implementing Unit-Secondary Schools (IU-SS) with list of verified loan amortizations per

PLI that can be accommodated in the payroll.

-- End --

Page 14 of 26

CORRECTED COPY

PROCESS FLOW ON LOAN APPLICATIONS OF DEPED BORROWERS UNDER THE

DEPARTMENT’S PROGRAM ON AUTOMATIC PAYROLL DEDUCTION SYSTEM

(APDS) – VIA ONLINE PROCESS

Borrower

Lender

Verifier

1. Using his/her deped.gov.ph

email address:

a. Secure ONLINE Loan

Application Form (LAF)

from the Lender; and

b. Accomplish LAF and email

the same, duly supported

with the latest available

pay slip to Lender.

2. Perform background check on legitimacy of

the loan

3. Evaluates Borrower’s loan application,

including capacity to pay based on pay slip

4. If the loan application passes the evaluation,

stamps loan details on the pay slip and signs

thereon.

If not, informs the Borrower accordingly.

5. E-mails a scan of the stamped pay slip to

the Borrower.

6. Forwards the Lender’s e-mail to

the Verifier for confirmation.

7. Records the details of the Borrower and of

the loan evaluated by the Lender that are

pertinent to the assessment of the

Borrower’s capacity to pay.

8. Determines if the stamped monthly

amortization can be accommodated in the

APDS.

9. E-mails assessment to the Lender, copy

furnished the Borrower.

10. If the monthly loan amortization can be

accommodated in the APDS: Approve the

loan and release the proceeds to the

Borrower within thirty (30) days from

receipt of the Verifier’s confirmation and

notify the Verifier of the loan release of

through e-mail within 24 hours from the

date of loan release.

If the monthly loan amortization cannot be

accommodated in the APDS: Inform the

Borrower that the loan cannot be granted

under the APDS.

11. Every 3rd day of the current month,

furnish PSU & IU-SS with list of loans

verified per PLI

Page 15 of 26

CORRECTED COPY

ANNEX “C-1”

PRESCRIBED TEMPLATES FOR AUTHORITY TO DEDUCT AND PROMISSORY NOTE

AUTHORITY TO DEDUCT

THROUGH THE DEPED AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS)

I hereby authorize DepEd to deduct monthly from my salary, through the DepEd APDS, the sum of

PESOS:_______________________________________________ (P___________), inclusive of principal and

interest, beginning on _______________ and ending on _______________, and to remit the same to N A M E

O F L E N D E R in consideration of the loan which was granted to me on ______________________. In case

my loan amortization is not deducted in the payroll, regardless of the reason, I also authorize

DepEd to automatically adjust the termination period in my pay slip by one (1) month for every

month of delay of its deduction.

The authorization is VALID AND BINDING within the aforementioned loan period, unless the loan is

pre-terminated, or the authorization is otherwise revoked. Moreover, I agree that deductions that will reduce

my monthly net take-home pay to lower than what is allowed under the law shall not be accommodated in the

APDS.

__________________________________________

Signature over Printed Name of DepEd Borrower

Employee Number:

Station Code:

Division Code:

Region:

Date: ___________________

PROMISSORY NOTE

For value received, the undersigned promises to pay through APDS to the NAME OF LENDER the sum of

PESOS:__________________________________ (P________) with interest rate of _____________ percent

(_____%) per annum, TO BE PAID IN EQUAL MONTHLY INSTALLMENTS, INCLUSIVE OF PRINCIPAL

AND INTEREST, IN THE AMOUNT OF P______________, BEGINNING ON _______________ AND

ENDING ON _______________, or until full payment.

Default in the payment for six (6) consecutive installments shall render the entire unpaid balance due and

demandable.

IN WITNESS WHEREOF, I have hereunto set my hand this ______ day of ______________ at

___________________.

______________________________________

(Signature over Printed Name of Borrower)

ID No. ___________________________

Employee No. _________

Division No._______

Station No._____

Date Issued _______________

School or Station Address: __________________________________ Place Issued

________________________

Telephone Number: ___________________

Home Address: ____________________________________________

Subscribed and sworn to before me, this _____ day of _____________ 20___, the affiant identified

as such person after presenting the following:

NAME

ID NO.

DATE AND PLACE ISSUED

NOTARY PUBLIC

Doc. No __________

Page No __________

Book No _________

Series of __________

Page 16 of 26

CORRECTED COPY

ANNEX “C-2”

PRESCRIBED TEMPLATE FOR DISCLOSURE STATEMENT

Page 17 of 26

Republic of the Philippines

Department of Education

ANNEX “D-1”

CORRECTED COPY

AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS) PROGRAM

EFFECTIVE INTEREST CALCULATION MODEL FOR A ONE (1)-YEAR LOAN

DECLINING/DIMINISHING BALANCE METHOD

Principal Amount (in PhP)

Loan Term (in years)

No. of installments (in months)

Grace period (in months)

No. of periods (in months)

Other Charges

Monthly Installment

100,000.00

6.000%

PhP 8,675.75

Installment

Period

Total

Principal

Gross Loan

Interest

100,000.00

8,050.75

8,101.07

8,151.70

8,202.65

8,253.91

8,305.50

8,357.41

8,409.64

8,462.20

8,515.09

8,568.31

8,621.77

100,000.00

625.00

574.68

524.05

473.10

421.84

370.25

318.34

266.11

213.55

160.66

107.44

53.89

4,108.91

Page 18 of 26

Contractual Interest Rate

Per Annum

Per Month

Nominal Interest Rate

Effective Interest Rate (EIR)

Per Annum

Per Month

Other

NET PROCEEDS

Charges

Cash Flows

6,000.00

94,000.00

(8,675.75)

(8,675.66)

6,000.00

= 7.500%

= 0.625%

= 4.109%

= 21.091%

= 1.608%

Outstanding

Balance

100,000.00

91,949.25

83,848.18

75,696.48

67,493.83

59,239.92

50,934.42

42,577.01

34,167.37

25,705.17

17,190.08

8,621.77

CORRECTED COPY

Republic of the Philippines

Department of Education

ANNEX ”D-2”

AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS) PROGRAM

EFFECTIVE INTEREST CALCULATION MODEL FOR A TWO (2)-YEAR LOAN

DECLINING/DIMINISHING BALANCE METHOD

Principal Amount (in PhP)

Loan Term (in years)

No. of installments (in months)

Grace period (in months)

No. of periods (in months)

Other Charges

Monthly Installment

100,000.00

6.000%

PhP 4,568.48

Installment

Period

Total

Principal

Gross Loan

Interest

100,000.00

3,818.48

3,847.12

3,875.97

3,905.04

3,934.33

3,963.84

3,993.57

4,023.52

4,053.69

4,084.10

4,114.73

4,145.59

4,176.68

4,208.00

4,239.56

4,271.36

4,303.40

4,335.67

4,368.19

4,400.95

4,433.96

4,467.21

4,500.72

4,534.32

100,000.00

750.00

721.36

692.51

663.44

634.15

604.64

574.91

544.96

514.79

484.38

453.75

422.89

391.80

360.48

328.92

297.12

265.08

232.81

200.29

167.53

134.52

101.27

67.76

34.01

9,643.37

Page 19 of 26

Contractual Interest Rate

Per Annum

Per Month

Nominal Interest Rate

Effective Interest Rate (EIR)

Per Annum

Per Month

Other

NET PROCEEDS

Charges

Cash Flows

6,000.00

94,000.00

(4,568.48)

(4,568.33)

6,000.00

= 9.000%

= 0.750%

= 4.822%

= 16.351%

= 1.270%

Outstanding

Balance

100,000.00

96,181.52

92,334.40

88,458.43

84,553.39

80,619.06

76,655.22

72,661.65

68,638.13

64,584.44

60,500.34

56,385.61

52,240.02

48,063.34

43,855.34

39,615.78

35,344.42

31,041.02

26,705.35

22,337.16

17,936.21

13,502.25

9,035.04

4,534.32

CORRECTED COPY

ANNEX “D-3”

Republic of the Philippines

Department of Education

AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS) PROGRAM

EFFECTIVE INTEREST CALCULATION MODEL FOR A THREE (3)-YEAR LOAN

DECLINING/DIMINISHING BALANCE METHOD

Principal Amount (in PhP)

Loan Term (in years)

No. of installments (in months)

Grace period (in months)

No. of periods (in months)

Other Charges

Monthly Installment

100,000.00

6.000%

PhP 3,210.78

Installment

Period

Total

Principal

Gross Loan

Interest

100,000.00

2,405.78

2,425.15

2,444.67

2,464.35

2,484.19

2,504.18

2,524.34

2,544.66

2,565.15

2,585.80

2,606.61

2,627.60

2,648.75

2,670.07

2,691.57

2,713.23

2,735.07

2,757.09

2,779.29

2,801.66

2,824.21

2,846.95

2,869.87

2,892.97

2,916.26

2,939.73

2,963.40

2,987.25

3,011.30

3,035.54

3,059.98

3,084.61

3,109.44

3,134.47

3,159.70

3,185.11

100,000.00

805.00

785.63

766.11

746.43

726.59

706.60

686.44

666.12

645.63

624.98

604.17

583.18

562.03

540.71

519.21

497.55

475.71

453.69

431.49

409.12

386.57

363.83

340.91

317.81

294.52

271.05

247.38

223.53

199.48

175.24

150.80

126.17

101.34

76.31

51.08

25.64

15,588.05

Page 20 of 26

Contractual Interest Rate

Per Annum

Per Month

Nominal Interest Rate

Effective Interest Rate (EIR)

Per Annum

Per Month

Other

Charges

6,000.00

NET PROCEEDS

Cash Flows

94,000.00

(3,210.78)

(3,210.75)

= 9.660%

= 0.805%

= 5.196%

= 14.886%

= 1.163%

Outstanding

Balance

100,000.00

97,594.22

95,169.07

92,724.40

90,260.05

87,775.86

85,271.68

82,747.34

80,202.68

77,637.53

75,051.73

72,445.12

69,817.52

67,168.77

64,498.70

61,807.13

59,093.90

56,358.83

53,601.74

50,822.45

48,020.79

45,196.58

42,349.63

39,479.76

36,586.79

33,670.53

30,730.80

27,767.40

24,780.15

21,768.85

18,733.31

15,673.33

12,588.72

9,479.28

6,344.81

3,185.11

CORRECTED COPY

ANNEX “E”

SAMPLE SWORN STATEMENT REGARDING THE LOAN DOCUMENTS SUBMITTED

AND FULL EXPLANATION OF THE TERMS AND CONDITIONS OF THE LOANS TO THE

BORROWERS.

[Date]

DR. ________________________

Regional Director

DepEd –Region ____________

____________________________

SWORN CERTIFICATION

Sir/Madam:

As a/an <type of private entity> accredited under the Automatic Payroll Deduction System

(APDS) Program of the Department of Education, may we request for automatic payroll

deduction of the obligations obtained by the following DepEd personnel for the month of

_____________, 2021.

Name of Employee

1. __________________

2. __________________

Work Station

_______________________

Date of Loan Release

___________________

In this regard, the Company hereby certifies the following:

1. Name of Entity and the DepEd borrowers have executed Authorities to Deduct, Promissory

Notes, and Disclosure Statements, and copies of the said documents were furnished to

the concerned DepEd borrowers;

2. The terms and conditions of the loan were properly discussed with the DepEd borrowers

and they have understood the same;

3. The loans granted herein were duly verified by the designated DepEd Verifier; and

4. That the proceeds of the loan, as appearing in the documents signed by the DepEd

borrowers, were actually released to and received by them in full as of the date of loan

release.

The company agrees that any falsity of the certification herein is a ground for the revocation

of the company’s accreditation in the DepEd APDS.

Very truly yours,

___________NAME___________

[Position/Official Designation]

SUBSCRIBED AND SWORN to this ____ day of ________________ by the affiant who is

personally known to me/identified by me as such persons after presenting his or her

<government issued ID>.

Doc No.

Page No.

Book No.

Series of 2021

Page 21 of 26

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ANNEX “F”

PROCEDURES FOR THE ONLINE PROCESS ON THE SUBMISSION OF MONTHLY

BILLING STATEMENTS BY THE LENDER UNDER THE DEPARTMENT’S PROGRAM ON

APDS

The Lender shall:

1. Consolidate all loan accounts granted to DepEd borrowers within a month, and prepare

monthly billing statement in accordance with the prescribed template provided by the

Payroll Services Units (PSU) and/or Implementing Unit-Secondary Schools (IU-SS). The

billing statement must be duly supported with pertinent documents, as shown below.

For each loan applied by concerned DepEd borrowers:

ii.

iii.

iv.

vi.

Processed Loan Application Form;

Authorization to Deduct (ATD);

Promissory Note (PN);

Disclosure Statement;

Amortization Schedule; and

Proof of loan release such as checks, loan vouchers (duly acknowledged by the

DepEd borrowers), credit memos, remittance lists and other proof of fund

transfer issued by the Lender.

Subscribed Sworn Certification stating that:

The Lender and the DepEd borrowers have executed ATDs, PNs, and DS, and

copies of the said documents were furnished to the concerned DepEd borrowers;

ii.

The Lender properly discussed the terms and conditions of the loans with the

DepEd borrowers and they have understood the same;

iii. The loans granted herein were duly verified by the designated DepEd Verifier;

iv. The proceeds of the loan, as appearing in the documents signed by the DepEd

borrowers, were actually released to and received by them in full as of the date

of loan release; and

The Lender agrees that any falsity of the certification herein is a ground for the

revocation of the company’s accreditation in the DepEd APDS.

2. Every 5th day of the month, submit through email the monthly billing statement/s for all

loans of DepEd borrowers granted within the previous month, together with the scanned

copies of the pertinent documents listed in Items 1 (a to b) above, to the official email

addresses of PSUs and/or IU-SSs (___@deped.gov.ph). Under no circumstance shall the

Lender bill a Borrower for loans not yet granted.

Check and retrieve any returned billings through email from PSUs and/or IU-SSs, and resubmit the same as rectified, on or before the 10th day of the current month. Any billing

for new loans granted by the Lender that will reduce the minimum monthly

NTHP to an amount lower than what is allowed under the law shall not be

accommodated and shall be returned to the Lender.

Provide copies of the billing statement to the concerned Schools Division Offices,

Attention: DepEd Verifiers, within ten (10) days after the submission of its final billing

statement to the PSUs and/or IU-SSs.

Submit hard copies of signed billing statement (original copy) and the supporting

documents to the PSU and/or IU-SS.

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ANNEX “G”

PROVINCES/REGIONS WHERE THE LENDER HAS OFFICE/S AS VALIDATED BY DEPED

(Including affiliate offices, if any)

NAME OF ENTITY:

APDS CODE:

NAME OF

OFFICIAL

PROVINCIAL

CITY/

AUTHORIZED CONTACT

REGION LOCATION

MUNICIPALITY PERSONNEL NUMBER ADDRESS

I hereby certify that the said offices/branches can sufficiently render services such as, but not

limited to: maintaining complete records, accepting payments, issuance of statements of

accounts, official receipts, certificates of full payment, and contracts and membership

documents, all within specified timeframes, and attending to other transactions, queries, and

complaints of DepEd personnel.

(Signature)

Name of Authorized Representative

Designation

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ANNEX “H”

GROUNDS FOR SUSPENSION OR REVOCATION OF ACCREDITATION

(For Lending, Insurance Premia, or Membership Dues/Contributions, as Applicable)

Simple Grounds

Suspension, which involves the withholding of remittance for not less than one (1) month

but not more than six (6) months, and the corresponding non-acceptance of new business or

deduction billing for not less than one (1) month, shall be imposed upon repeated commission

of grounds classified as “Simple”.

“Simple grounds” are acts or omissions of an accredited entity in violation of the

guidelines on accreditation/re-accreditation or TCAA that can cause minor damage to DepEd

employees who are borrowers, policy holders or members of accredited entities.

Simple grounds include, but are not limited to, the following:

a. Billing more than one (1) loan per DepEd borrower.

b. Not furnishing the DepEd employee, or charging the borrower/DepEd fees for, copies

of the ATD, PN, DS, and/or amortization schedule in accordance with Annexes D-1 to

D-3, or copies of the Certificate of Membership, Policy Contract, and/or other

documents evidencing membership for insurance/mutual benefits/association duly

acknowledged by Employees.

c. Billing the co-maker, through APDS, for the loan balance of the principal borrower.

d. Computation of interest and non-interest charges on Loan not in accordance with the

guidelines, but the Effective Interest Rate is still within the specified ceiling.

e. Not reflecting the conditions on penalties and/or past due interest on loans, if any, in

the DS signed by DepEd borrowers.

Refusal to accept tender payment of loan in advance, whether partially or in full,

during or after the term of the loan, from DepEd borrower/s or from other lending

institutions, in case of loan take-out/buy-out by the latter.

g. Non- or delayed issuance of the Official Receipt in case of partial or full payment.

h. Failure or delay in the issuance of a dated Certificate of Full Payment of Loan to the

DepEd borrower and/or failure to send a written request to the concerned payroll

servicing unit concerned for the immediate stoppage of deduction, in case of advance

payment of loan in full.

Unrefunded over-deductions for the first time/payroll month.

Failure to provide duly certified Statement of Account/Status of Premium Payments for

every loan/transaction granted to a DepEd borrower/member, free of charge, annually

and anytime upon request, within the day that the request was made by DepEd or the

DepEd borrower/member, duly supported by an up-to-date payment history.

k. Extending the termination date of loan amortization beyond what is stipulated in the

Authority to Deduct signed by DepEd borrowers, or beyond the period allowed by the

guidelines.

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Charging fee for and/or delay or non-issuance of a Certificate of Full Payment of Loan

(CFPL).

m. Failure to inform DepEd Regional/Central Office of any transfer of office location for

purposes of updating Annex G of the TCAA.

n. Using the terms “DepEd” or “public school teacher” in promotions or in any form of

advertisement.

o. Submission of billing not in accordance with the prescribed timelines.

p. Charging and collecting interest for the remainder of the term of the loan in case of

advance payment in full of the loan.

q. Operating lending/insurance premia/mutual benefits business in a province without

prior authority from DepEd.

r. Maintaining an office that is not compliant with the requirements of the

guidelines/TCAA.

s. Non- or delayed submission of annual and semi-annual documentary requirements.

t. Accepting Automated Teller Machine (ATM) card as collateral from DepEd employees

for their loans under APDS.

u. Inclusion in the billing statement for lending business of mutual

aid

system/

insurance premia deductions, or compelling any DepEd borrower to take out any type

of insurance contract other than credit life insurance, as a condition to the loan

agreement.

v. Failure to submit the required documents within the period specified by the guidelines.

w. Deduction of advance payments from the loan proceeds of DepEd borrowers.

x. Other acts or omissions similar or analogous to the above.

Serious Grounds

The Accreditation shall be revoked upon commission of grounds classified as “Serious”.

When the Accreditation is revoked, the Accredited Entity shall no longer be allowed to grant

new business in the affected province/s under the APDS. However, collection of deductions

already incorporated in the APDS as of the date of revocation shall continue up to the

termination dates reflected in the pay slip. Thereafter, the APDS Code is automatically

cancelled.

“Serious grounds” are acts or omissions of an accredited entity in violation of the

guidelines on accreditation/re-accreditation or TCAA, which manifest fraud, bad faith, or willful

misrepresentation intended to obtain undue financial gain at the expense of a DepEd employee

who is a borrower, policy holder or member of accredited entities, or to undermine the

effectiveness of the APDS.

Serious grounds include, but are not limited to, the following:

a. Approval/release/billing of loans/insurance premium/membership

contributions without requisite approval by DepEd Verifier.

dues

b. Making false representation to the DepEd employee regarding the terms and

conditions of the loan/insurance premium/membership dues or contributions.

Page 25 of 26

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c. Acceptance of blank Authority to Deduct (ATD), Promissory Note (PN), Disclosure

Statement, signed by the concerned DepEd borrowers.

d. Submission of false/fraudulent documents.

e. Inclusion of deductions not indicated in Annexes D1 – D3 (sample loan

computation)

Computation of interest and non-interest rates on Loan not in accordance with the

guidelines and the Effective interest Rate exceeds the specified ceiling.

g. Billing of loans not yet granted, renewed or released to DepEd borrowers.

h. Entering into automatic payroll deduction agreements with fiscally autonomous

DepEd schools.

Transfer, reassignment, and sale of deduction code.

“Piggy-backing” (Accredited entities allowing the use of the APDS Code by nonaccredited entities).

k. Making malicious or defamatory imputation, threat and physical injury against

DepEd officials and/or personnel in relation to the implementation of the APDS.

The Certificate of Registration/Authority of the entity is cancelled or terminated by

the IC, SEC, BSP or CDA.

m. Non-disclosure of the revocation or suspension of the Certificate

Registration/Authority by the concerned government regulatory bodies.

n. Repeated suspensions based on simple grounds, indicating refusal to comply with,

or wanton disregard for, APDS guidelines.

o. Other acts or omissions constituting fraud, bad faith, or willful misrepresentation

intended to obtain undue financial gain at the expense of a DepEd employee who

is a borrower, policy holder or member of accredited entities, or to undermine the

effectiveness of the APDS.

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TABLE OF CONTENTS FOR ENCLOSURE 3

Terms and Conditions of the APDS Accreditation (TCAA) for Insurance Premia and Membership

Dues/Contributions

10.

11.

12.

13.

Particulars

Page No.

Statement of Principles

Accreditation and Assignment of APDS Code

Processing of Applications for Insurance

Policy/Membership/Other Allowed Obligation

Billing of Insurance Premia and/or Membership

Dues/Contributions

Over-the-Counter Payments

Over-deduction

Remittance

Documentary Requirements

Other Conditions

Necessary Attachments

Grounds for Suspension or Revocation

Effectivity of the TCAA

Final Provisions

ANNEXES FOR ENCLOSURE 3

Annex

Particulars

Page No.

Notarized Secretary’s Certificate supported by a Board Resolution authorizing the

Accredited Entity’s representative to execute this TCAA

c/o Entity

List of Sub-Codes, if any, and the corresponding products and/or services under

each Sub-Code, with proof of approval from their respective government

regulatory agencies

C-1

Procedures for the Manual Processing of Deped Employees’ Applications for

Insurance Premia and/or Membership Dues/Contributions with the Accredited

Entities under the Department’s Program on Automatic Payroll Deduction System

(APDS)

C-2

Procedures for the Online Process of DepEd Employees’ Applications for

Insurance Premia and/or Membership Dues/Contributions with the Accredited

Entities under the Department’s Program on Automatic Payroll Deduction System

(APDS) – (NEW ANNEX)

APDS Template/Standard Format of Authority to Deduct

Sworn Statement regarding the documents submitted and full explanation of the terms

and conditions to the Employees

Procedures for the Online Process on the Submission of Monthly Billing Statements

by the Accredited Entity Under the Department’s Program on APDS (NEW ANNEX)

Provinces/Regions where the Accredited has office/s as validated by DepEd

Grounds for Suspension or Revocation of Accreditation (For Lending, Insurance

Premia, or Membership Dues/Contributions, as Applicable)

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(ENCLOSURE 3 TO DEPED ORDER NO. 20, S. 2021)

TERMS AND CONDITIONS OF THE APDS ACCREDITATION (TCAA)

FOR INSURANCE PREMIA AND MEMBERSHIP DUES/CONTRIBUTIONS

STATEMENT OF PRINCIPLES

1.1

Participation in the DepEd Automatic Payroll Deduction System (APDS) at the

national, regional and school levels may be granted to private institutions authorized

under specific law to be paid through salary deductions, and accredited by DepEd

after fulfillment of requirements as provided in DepEd Order No. 20, s. 2021.

1.2

The accredited private institution shall subscribe to the following principles:

1.2.1

Full transparency in reporting operations and financial status as

evidenced by audited financial statements and appropriate disclosure

statements; and

1.2.2

Integrity of operations through proper and complete documentation

of insurance policies and/or memberships of DepEd personnel.

1.3

The DepEd shall ensure that the objectives and purposes of APDS are achieved

through proper regulation, periodic review, and accreditation/re-accreditation.

1.4

The APDS shall be implemented in accordance with the limitations imposed by

existing and new laws, such as on monthly net take-home pay (NTHP) and order of

preference of deductions.

ACCREDITATION AND ASSIGNMENT OF APDS CODE

2.1

Accredited entities shall be assigned APDS codes for their exclusive use.

2.2

APDS Code <number>, and the Sub-Codes1 listed in Annex “B”, if any, for

insurance premia and/or membership dues/contributions shall strictly be used for

the collection of such payments only2.

2.3

In case of issuance of a sub-code for policy loan, the rates of interest and other

charges shall not be higher than the prescribed ceiling set under paragraph 26,

Enclosure 1 of DepEd Order No. 20, s. 2021.

2.4

The APDS Code is not transferable, for sale, or for assignment to any other entity,

except in cases of acquisition, merger, and consolidation of entities. In the event

that the Accredited Entity changes its corporate name or effects other corporate

changes, the Accredited Entity shall furnish DepEd with duly certified copies of the

amended Articles of Incorporation/Cooperation [as applicable to the entity] and bylaws approved by the SEC/CDA [as applicable to the entity] to enable the DepEd to

update its records accordingly.

In case of multiple products and services, the Accredited Entity shall be issued a maximum of three (3) APDS Sub-Codes and

shall cease using the APDS Code (main code). Annex C contains the list of Sub-Codes issued.

The APDS Code and Sub-Codes (if any) issued in this TCAA shall not be used for deductions for any type of loan.

Page 1 of 22

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PROCESSING OF APPLICATIONS FOR INSURANCE POLICY/MEMBERSHIP/

OTHER ALLOWED OBLIGATION

3.1

For payment of insurance premia and/or membership dues/contributions intended

to be serviced through the APDS, the Accredited Entity shall process applications for

insurance policy/membership/other allowed obligation (hereinafter referred to as

“Application”) in accordance with the terms and conditions herein.

3.2

Processing of online digital applications may be allowed under APDS, provided

that DepEd is notified by the Accredited Entity in writing, duly supported with

information on its detailed procedures/mechanics and online process flow presented

to the DepEd Central Office APDS Task Force, and acknowledged/authorized by

DepEd prior to its implementation.

3.3

The Accredited Entity shall exert all efforts to examine the authenticity of

documents submitted online by the applicant. In case of fraud, and/ or

misrepresentation thereof, it shall be solely responsible for the process of approving

the membership application of DepEd personnel.

3.4

The Accredited Entity may approve an Application only upon issuance of a

certification by the DepEd Verifier, secured by the Accredited Entity through the

DepEd Employee (hereinafter referred to as “Employee”), stating that the monthly

payments can be accommodated within the threshold of the monthly NTHP as

required by the General Appropriations Act (GAA) at the time of approval of the

Application. Succeeding deductions shall conform to the monthly NTHP as provided

for by the GAA or other applicable laws at the time of the deduction.

3.5

The Accredited Entity shall follow the procedure on the approval of Applications as

contained in Annex “C-1 and C-2”.

3.6

The Accredited Entity shall accept applications only from DepEd officials and

personnel who have served at least six (6) months in DepEd and are

incorporated in the regular payroll with issued employee number, whether assigned

at the national, regional, schools division, or school level [implementing unit (IU) or

non-IU].

3.7

The Accredited Entity shall ensure that every Application and/or transaction is fully

documented with a completely filled out Authority to Deduct (ATD), Certificate of

Membership, Policy Contract, and/or other documents evidencing insurance

coverage/membership. The ATD must be accomplished following the standard

form/template as contained in Annex “D”, and with consistent information. The

Accredited Entity shall furnish the Employee copies of these documents free of

charge, upon approval of the Application.

3.8

The Accredited Entity shall immediately notify the Employee upon approval of

his/her Application.

3.9

The Accredited Entity shall fully explain the terms and conditions of the insurance

policy/membership/other allowed obligation to the Employee. The Accredited Entity

shall submit a Sworn Statement to this effect together with its billing. (See Annex

“E”)

3.10 The Accredited Entity shall ensure that the venue of litigation in the event of legal

suit against the Employee or the Accredited Entity shall be within the location of the

Employee’s work station only.

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BILLING OF INSURANCE PREMIA AND/OR MEMBERSHIP DUES/

CONTRIBUTIONS

4.1

The Accredited Entity shall consolidate all the insurance policies and/or memberships

approved within a month into one billing.

4.2

The Accredited Entity shall be responsible for submitting monthly billings to the PSU

and IU, and checking and retrieving any returned billings (refer to Annex F for the

procedure). Any billing for new insurance premia and/or membership

dues/contributions approved by the Accredited Entity that will reduce the monthly

minimum NTHP shall not be accommodated and shall be returned to the Accredited

Entity.

4.3

The Accredited Entity shall not bill new insurance premia and/or membership

dues/contributions if the Employee has existing Undeducted Obligations as reflected

in his/her pay slip.

4.4

For payments to be incorporated in the next payroll month, the Accredited Entity shall

submit billings for all Applications approved within the current month on or before

the 5th working day of the same month. Under no circumstance shall the Accredited

Entity bill an Employee for Applications and/or transactions not yet approved.

4.5

The Accredited Entity shall submit billing statement to DepEd in an electronic format

as agreed with the PSU and IU. The billing must be duly supported with soft copies

of the required ATD, Certificate of Membership, Policy Contract, and/or other

documents evidencing membership duly acknowledged by Employees, and Sworn

Statement mentioned in item 3.9 above. Only billings certified by DepEd Verifier that

such insurance premia or membership dues/contributions could be accommodated in

the payroll and with complete supporting documents shall be processed by the PSU.

The Accredited Entity may opt to submit billing statement via email (refer to Annex F

for the procedure) or direct to the PSU/IU secondary school’s office.

The APDS Accredited entity shall be solely responsible in case of misrepresentation

in the submission of the said supporting documents.

4.6

The Accredited Entity shall provide copies of the billings to the concerned Schools

Division Offices within ten (10) days after the submission of its billing to the DepEd.

4.7

The Accredited Entity shall not charge penalties/fines/surcharges due to delays of

payments as a result of any of the following:

4.7.1

4.7.2

4.7.3

4.7.4

4.7.5

Failure on the part of the Accredited Entity to pick up remittance checks;

Non-remittance due to suspension or revocation of Accreditation;

Failure of the DepEd to remit on time due to errors, inadvertence, force

majeure, or any extreme circumstance;

Non-existence of office or affiliate company in a particular province; and

Other reasons/causes similar or analogous to the above.

4.8

The Accredited Entity shall be responsible for collecting the outstanding balances of

its members outside APDS, in case of their retirement, resignation, or termination

of appointment.

4.9

In case of Employee’s transfer of work station to other region but the Accredited

Entity has no office/branch within the said region, for purposes of collection

only, the Accredited Entity may submit the corresponding billing to the concerned

PSU/IU. Such billing shall be supported with ATD signed by the Employee and other

requirements specified in item 4.5 above.

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OVER-THE-COUNTER PAYMENTS

5.1

The Accredited Entity shall not refuse to accept tender of payment made in advance

by Employees, whether partial or in full. Official receipt (OR) shall be issued on the

date of payment.

5.2

In case of full payment of dues by the Employee, the Accredited Entity shall

automatically include the Employee’s name in the list of insurance

premia/membership deductions for stoppage in the payroll and in the Deletion File

to be effected immediately in the next payroll month.

5.2

The Accredited Entity shall request the PSU and IU the monthly list of payroll

deductions that were stopped, and the corresponding supporting documents such

as the Employee’s request for stoppage.

OVER-DEDUCTION

6.1 In case of over-deductions, the Accredited Entity shall refund the corresponding

amount to the Employee concerned within thirty (30) days from knowledge or notice

thereof.

6.2 The Accredited Entity shall request DepEd for the adjustment of Service Fee in the

next payroll month, corresponding to the amount refunded on over-deductions. The

said request must be duly supported with proof of refund, duly acknowledged by the

Employee.

REMITTANCE

7.1 The Accredited Entity shall pay DepEd a service fee of ____ percent (___%) of the

total monthly collection, which shall be automatically deducted from their collection

before remittance. [The rate shall be based on Title IV General Principles, Item 29,

of the Revised Guidelines on Accreditation/Re-Accreditation of Private Entities under

the APDS.]

7.2 The Accredited Entity shall issue an OR to DepEd within fifteen (15) days after

remittance of payments. Failure to do so will cause the suspension of the release of

succeeding remittances until the issuance of the OR. The Accredited Entity may

request DepEd to remit the payments through either of the following modes:

a. Through intra- or interbank fund transfer: The Accredited Entity shall coordinate

with the remitting DepEd office for the procedure in setting up the fund transfer.

The Accredited Entity shall shoulder the service charge, if any.

b. Through check: The Accredited Entity shall pick up the remittance check from

DepEd within the succeeding month after the deductions were effected in the

payroll. Otherwise, the preparation of succeeding checks will be suspended until

the prepared check is picked up. Any request for replacement of stale checks

shall be supported by written justification from the Accredited Entity.

7.3

Payments for insurance premia and/or membership dues/contributions shall be

refunded to the concerned Employees in case the corresponding remittance checks

become stale and not requested by the Accredited Entity for replacement after

notification by DepEd for three (3) times.

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DOCUMENTARY REQUIREMENTS

8.1

The Accredited Entity shall ensure the issuance of a Statement of Account (SOA) to

an Employee, free of charge, annually and anytime upon request, preferably within

the day that the request was made by DepEd or by the Employee, but in no case

after more than three (3) days from such request. The SOA shall include an up-todate payment history.

8.2

The Accredited Entity shall submit through email or electronic medium (USB) and

other digital means the following documents, duly certified as true copies by the

concerned government regulatory agencies (i.e. SEC/CDA/IC) to the DepEd Central

Office (CO) annually, through the APDS Secretariat, on or before September 30,

except for business permit/s, the deadline for which is March 31 of the current year:

●

Audited Financial Statements for the previous year, duly filed and stamped

received by the BIR

Corporate income tax return for the previous year, duly filed and stamped

received by the BIR

Business Permit/s for the current year in the provinces where the Accredited

Entity has its office/s

[Additional documents as applicable to the entity:]

●

SEC Certification that (i) the Accredited Entity has not been dissolved and (ii)

that the Commission has not received any derogatory information that would

prevent the entity from exercising its purpose/s as stated in its Articles of

Incorporation. The Certification shall cover a period of one year immediately

preceding its issuance.

General Information Sheet for the current year stamped received by the SEC

Certificate of Compliance issued by the CDA for the current year

Cooperative Annual Progress Report (CAPR) for the current year

PDIC Certificate of Good Standing covering the current year

IC Certificate of Authority covering the current year

OTHER CONDITIONS

9.1

The Accredited Entity shall not enter into any contract or agreement with DepEd

offices other than the CO/Regional Office (RO) regarding insurance premia and/or

membership dues/contributions under APDS.

9.2

The Accredited Entity shall limit its operation to provinces/regions where it has

office/s or affiliates companies. The office shall employ a full-time manager or

authorized personnel, and staff who shall maintain the complete records/documents,

accept payments, issue SOA, OR, and CFP, and attend to other transactions and any

queries/complaints of DepEd personnel. Annex “G”, which forms an integral part of

this TCAA, contains the provinces/region/s, including the location of its offices (main

and branches) and affiliate companies, if any, where the Accredited Entity is

authorized to operate.

9.3

In case of transfer of the Accredited Entity’s office/s to another location or site, the

Accredited Entity shall notify DepEd in writing regarding such transfer before the

closure of the existing office/s, and submit corresponding necessary documents, for

proper validation.

9.4

In case of change in contact number/s regardless if post-paid or registered mobile

number or landline telephone, the Accredited Entity shall notify/update DepEd

Page 5 of 22

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Central Office by submitting a Certification stating therein the changes on contact

number/s that will be officially used in transacting with DepEd employees.

9.5

The Accredited Entity shall make available to DepEd for inspection at any reasonable

time all ATDs, Certificates of Membership, Policy Contracts, and other related

documents in the course of periodic review.

9.6

In case of a merger or consolidation involving the Accredited Entity, the Accredited

Entity shall make sure that the surviving entity shall submit the following within three

(3) months upon their availability, in addition to the documents required for

accreditation:

●

Formal letter signifying their intention to maintain their APDS accreditation for

insurance premia and/or membership dues/contributions under the same

deduction code/s together with a board resolution or secretary's certificate;

Certified true copy of the Articles of Merger or Consolidation; and

Deed of Assignment, if any.

9.7

In case the Accredited Entity is put under Liquidation by the Insurance Commission

(IC), the DepEd shall coordinate with the IC as to how the deductions for insurance

premia and/or membership dues/contributions will be stopped in the payroll.

9.8

The Accredited Entity shall not use the name of DepEd or the term “public school

teacher” in its promotions or in any form of advertisement.

10. NECESSARY ATTACHMENTS

10.1 This TCAA shall include as integral parts the following attachments:

10.1.1 Annex “A” – Notarized Secretary’s Certificate supported by a Board

Resolution authorizing the Accredited Entity’s representative to execute this

TCAA.

10.1.2 Annex “B” – List of Sub-Codes, if any, and the corresponding products

and/or services under each Sub-Code, with proof of approval from their

respective government regulatory agencies to offer such products and/or

services as required in paragraph 31.1.5.e of the Revised Guidelines on

Accreditation/Re-Accreditation of Private Entities under the APDS.

10.1.3 Annex “C-1 and C-2” - Procedures for the Processing of DepEd Employees’

Applications for Insurance Premia and/or Membership Dues/Contributions

with the Accredited Entities Under the Department’s APDS (on-site/manual

and on-line process, respectively).

10.1.4 Annex “D” – APDS Template/Standard Format of Authority to Deduct.

10.1.5 Annex “E” – Sworn Statement regarding the documents submitted and full

explanation of the terms and conditions to the Employees.

10.1.6 Annex “F” – Procedures for the Online Process on the Submission of

Monthly Billing Statements by the Accredited Entity Under the Department’s

Program on APDS

10.1.7 Annex “G” – Provinces/Regions where the Accredited has office/s as

validated by DepEd, with the main office per region identified, indicating

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therein the address/es, official contact numbers, and the name/s of

manager/s and contact person/s

10.1.8 Annex “H” – Grounds for Suspension or Revocation of Accreditation

11. GROUNDS FOR SUSPENSION OR REVOCATION

11.1 The Accredited Entity agrees that its Accreditation may be suspended or revoked by

DepEd based on grounds enumerated in Annex “H”.

11.2 Suspension, which involves the withholding of remittance for not less than one (1)

month but not more than six (6) months, and the corresponding non-acceptance of

new business or deduction billing for not less than one (1) month, shall be imposed

upon repeated commission of grounds classified as “Simple”.

11.3 The Accreditation shall be revoked upon commission of grounds classified as

“Serious”. When the Accreditation is revoked, the Accredited Entity shall no longer

be allowed to grant new business in the affected provinces/regions under the APDS.

However, collection of deductions already incorporated in the APDS as of the date

of revocation shall continue for the next three (3) months or until requested for

stoppage by the concerned Employees, whichever comes earlier. Within sixty (60)

calendar days from the said revocation, DepEd shall notify the concerned Employees

of the stoppage of deductions, and the latter may transact and/or pay directly to the

formerly accredited entity, or terminate their memberships therewith. Thereafter,

the APDS Code and Sub-Codes, if any, are automatically cancelled.

11.4 Any suspension or revocation imposed upon a particular office shall likewise be

considered as sanction against all its other offices within the same region. If imposed

on the Head Office, the same shall be imposed upon all its other offices in the

national level.

11.5 Any complaint for the commission of any of the grounds for suspension or revocation

should be made in writing. For the purposes of a formal investigation, the complaint

must:

● Contain the names and addresses of the complainant/s;

● Contain the entity or person subject of the complaint;

● Contain the acts or omissions complained of constituting the infraction, based on

the personal knowledge of the complainant;

● Be accompanied with supporting documents, as needed; and

● Be notarized.

However, DepEd shall not be precluded from conducting an investigation/fact-finding

on the basis of other information received or discovered.

11.6 Any complaint for the commission of any of the grounds for suspension or revocation

should be made in writing and sufficient in form and substance. For the purposes of

a formal investigation, the complaint must:

● Contain the names and addresses of the complainant/s;

● Contain the entity or person subject of the complaint;

● Contain the acts or omissions complained of constituting the infraction, based on

the personal knowledge of the complainant;

● Be accompanied with supporting documents, as needed; and

● Be notarized.

Page 7 of 22

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However, DepEd shall not be precluded from conducting an investigation/fact-finding

on the basis of other information received or discovered.

11.7 Commission of grounds for suspension or revocation shall be validated by the

appropriate committee or task force designated by the Secretary. The APDS Task

Forces in the CO and ROs may impose the suspension or revocation as a result of

its investigation. The suspension or revocation may be appealed to the Office of the

Secretary, through the Office of the Undersecretary for Finance, within a period of

fifteen (15) days from notice. Pending the resolution by the Office of the Secretary,

the suspension or revocation shall be held in abeyance. The suspension or revocation

imposed by the APDS Task Force shall be reported to the Secretary, through the

Undersecretary for Finance, for monitoring and records purposes.

12. EFFECTIVITY OF THE TCAA

12.1 This TCAA shall be valid upon signing and notarization, and shall be effective until

December 31, 2025.

12.2 For purposes of renewal of this TCAA, the Accredited Entity shall submit its Letter

of Intent for the APDS re-accreditation at least one (1) month prior to the date

of expiration.

13. FINAL PROVISIONS

13.1 This TCAA, its annexes, and pertinent DepEd issuances shall be the governing

documents with reference to the inclusion of the Accredited Entity in the APDS.

13.2 The Accredited Entity shall conform to any APDS policy subsequently issued by

DepEd in the form of DepEd Order, Memorandum, or other issuance. Any provision

in this TCAA affected by such subsequent APDS policy is deemed automatically

modified or repealed as applicable.

CONFORME:

ACKNOWLEDGEMENT

Page 8 of 22

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ANNEX “B”

LIST OF SUB-CODES WITH CORRESPONDING PRODUCTS AND/OR SERVICES

UNDER EACH SUB-CODE

NAME OF ENTITY: ____________________________

APDS CODE

: __________

APDS SUB-CODE

PRODUCTS AND/OR

SERVICES

____- A

____- B

____- C

CERTIFIED CORRECT:

______________________

Authorized Representative

Page 9 of 22

DATE APPROVED BY

IC/CDA/SEC

CORRECTED COPY

ANNEX “C-1”

PROCEDURES FOR THE MANUAL PROCESSING OF DEPED EMPLOYEES’

APPLICATIONS

FOR

INSURANCE

PREMIA

AND/OR

MEMBERSHIP

DUES/CONTRIBUTIONS WITH THE ACCREDITED ENTITIES UNDER THE

DEPARTMENT’S PROGRAM ON AUTOMATIC PAYROLL DEDUCTION SYSTEM

(APDS)

1. The DepEd Employee (hereinafter referred to as the “Employee”) accomplishes

application for insurance policy/membership/ other allowed obligation (hereinafter

referred to as “Application”) provided by the APDS accredited entity (hereinafter

referred to as the “Accredited Entity”.

2. The Employee submits the Application together with his/her latest available pay slip

to the Accredited Entity as part of his/her Application.

3. The Accredited Entity shall evaluate the Employee’s Application using its own criteria,

including the Employee’s capacity to pay based on the presented pay slip. The presence

of “Undeducted Obligations” in the Employee’s pay slip indicates his/her lack of capacity

to pay through the APDS, hence, the Application of such employee shall not be

approved by the Accredited Entity under the APDS.

4. If the Application passes the Accredited Entity’s evaluation, the Accredited Entity

shall stamp the following on the face of the pay slip without obscuring the pertinent

details therein:

a. Corporate name of the Accredited Entity and APDS Code/Sub-Code for insurance premia

and/or membership dues/contributions;

b. Amount of monthly salary deduction;

c. Date of evaluation; and

d. Name of Accredited Entity’s Officer, who shall sign on the stamp to signify evaluation.

5. The Accredited Entity shall e-mail a scan of the stamped pay slip to the Employee

using the e-mail subject, “Request for Confirmation of Evaluated APDS Application<Accredited Entity’s APDS Code> - <Employee’s complete name>”3 and return the

stamped pay slip to the Employee.

6. The Employee shall forward the e-mail received from the Accredited Entity to the

official/designated DepEd e-mail address of the concerned DepEd Verifier (hereinafter

referred to as “Verifier") using the Employee’s official DepEd e-mail.

7. The Verifier shall record the details of the Employee and of the Application evaluated

by the Accredited Entity that are pertinent to the assessment of the Employee’s capacity

to pay.

8. The Verifier shall determine if the stamped monthly deduction can be accommodated

in the APDS, cognizant of the Employee’s eligibility to avail of insurance

policy/membership/other allowed obligation under the APDS, the NTHP rule, and the

Employee’s capacity to pay based on the presented pay slip and the Verifier’s records.

The Verifier, based on his/her records, shall also check if the Employee has approved

obligations that are not yet reflected in the latter’s stamped pay slip.

The DepEd Office concerned may prescribe its own e-mail subject through official communications with the Accredited Entities,

copy furnished the Office of the Undersecretary for Finance.

Page 10 of 22

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First-in first-served rule shall be strictly observed in the verification of Applications.

9. The Verifier, using the official/designated DepEd e-mail, shall e-mail the Accredited

Entity, copy furnished (“cc”) the Employee, either of the following messages depending

on the Verifier’s assessment:

a. If the monthly deduction can be accommodated in the APDS:

Please be informed that as validated in our records, the application of DepEd employee you

evaluated can be accommodated in the APDS, as follows:

Employee’s Name

Employee No.

Station Code

Amount of Monthly

Membership

Dues/Contribution

Any misrepresentation in the Employee’s Application verified by the Accredited Entity shall not be

the liability of the Verifier.

b. If the monthly deduction cannot be accommodated in the APDS:

Please be informed that as validated in our records, the application of DepEd employee you

evaluated cannot be accommodated in the APDS for reasons stated below.

Employee’s Name

Employee No.

Station Code

Amount of Monthly

Membership

Dues/Contribution

Reason/s

e.g. Insufficient NTHP; With approved obligations

that are not yet reflected in the stamped pay slip

10. Depending on the Verifier’s assessment, the Accredited Entity shall do either of

the following upon receipt of the former’s e-mail:

a. If the monthly deduction can be accommodated in the APDS: Approve the

Application and execute the next steps necessary to complete the

transaction/contract within thirty (30) days from receipt of the Verifier’s

confirmation and notify the Verifier of such action/s through e-mail within 24 hours.

b. If the monthly deduction cannot be accommodated in the APDS: Inform the

Employee that the Application cannot be granted under the APDS.

11. Every 3rd day of the current month, furnish the Payroll Services Unit (PSU) and/or

Implementing Unit-Secondary Schools (IU-SS) with list of verified insurance

premia/membership dues/contributions per Accredited Entity that can be

accommodated in the payroll.

-- End -Page 11 of 22

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PROCESS FLOW FOR THE PROCEDURES ON MANUAL PROCESSING OF DEPED EMPLOYEES’

APPLICATIONS FOR INSURANCE PREMIA AND/OR MEMBERSHIP DUES/CONTRIBUTIONS

WITH THE ACCREDITED ENTITIES UNDER THE DEPARTMENT’S PROGRAM ON APDS

Employee

Accredited Entity

Verifier

1. Accomplishes Application for

Membership

2. Submits the Application for

Membership, duly supported

with the latest available pay

slip to Accredited Entity.

3. Evaluates Employee’s Application,

including capacity to pay based on pay

slip

4. If the Application passes the evaluation,

stamps details on the pay slip and signs

thereon.

not,

informs

accordingly.

the

Employee

5. E-mails a scan of the stamped pay slip

and returns its hard copy to the

Employee.

6. Forwards the Accredited

Entity’s e-mail to the Verifier

for confirmation.

7. Records the details of the

Employee and of the Application

evaluated by the Accredited Entity

that are pertinent to the

assessment of the Employee’s

capacity to pay.

8. Determines if the stamped monthly

amortization can be accommodated

in the APDS.

9. E-mails assessment to the

Accredited Entity, copy furnished

the Employee.

10. If the monthly deduction can be

accommodated in the APDS:

Approves the Application and

execute the next steps necessary to

complete the transaction/contract

within thirty (30) days from receipt

of the Verifier’s confirmation and

notify the Verifier of such action/s

through e-mail within 24 hours.

If the monthly deduction cannot be

accommodated in the APDS: Inform the

Employee that the Application cannot

be granted under the APDS.

11. Every 3rd day of the current month,

furnish the PSU and/or IU-SS with

list of verified applications per

Accredited Entity that can be

accommodated in the payroll.

Page 12 of 22

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ANNEX “C-2”

PROCEDURES FOR THE ONLINE PROCESS OF DEPED EMPLOYEES’ APPLICATIONS FOR

INSURANCE PREMIA AND/OR MEMBERSHIP DUES/CONTRIBUTIONS WITH THE

ACCREDITED ENTITIES UNDER THE DEPARTMENT’S PROGRAM ON AUTOMATIC

PAYROLL DEDUCTION SYSTEM (APDS)

1. The DepEd Employee (hereinafter referred to as the “Employee”), using the deped.gov.ph

email address shall:

a. Secure an ONLINE Application Form from the APDS accredited entity (hereinafter referred

to as the “Accredited Entity”);

b. Accomplish the Application Form and submit the same to the Accredited Entity together

with the latest available pay slip; and

c. Wait for the response of the Accredited Entity through email, if he/she is eligible or not. In

case eligible, forward the Accredited Entity’s response to the official e-mail address of

designated DepEd Verifier (hereinafter referred to as “Verifier").

2. The Accredited Entity shall:

a. Perform background checks on the legitimacy of the membership being applied for by the

Employee to prevent occurrence of application for membership by fictitious Employees;

b. Evaluate the Employee’s application for membership using the Accredited Entity’s own

criteria, including the Employee’s capacity to pay based on the presented pay slip. The

presence of “Undeducted Obligations” in the Employee’s pay slip indicates his/her lack of

capacity to pay the insurance premia and/or membership dues/contributions through the

APDS, hence, such employee is ineligible to become the Accredited Entity’s member under

the APDS;

c. If the membership application passes the Accredited Entity’s evaluation, stamp the

following on the face of the pay slip without obscuring the pertinent details therein:

ii.

iii.

iv.

Corporate name of the Accredited Entity and APDS Code/Sub-Code for insurance

premia and/or membership dues/contributions;

Amount of monthly salary deduction;

Date of application for membership; and

Name of Accredited Entity’s Officer who shall sign on the stamp to signify evaluation;

E-mail a scan of the stamped pay slip to the Employee using the e-mail subject, “Request

for Confirmation of Evaluated APDS Application- <Accredited Entity’s APDS Code> <Employee’s complete name>”; and

e. Depending on the Verifier’s assessment, do either of the following upon receipt of the

former’s e-mail:

If the monthly deduction can be accommodated in the APDS: 1) Approve the

Application and execute the next steps necessary to complete the transaction/contract

within thirty (30) days from receipt of the Verifier’s confirmation and notify the Verifier

of such action/s through e-mail within 24 hours.

ii.

If the monthly deduction cannot be accommodated in the APDS: Inform the Employee

that the application cannot be granted under the APDS.

Page 13 of 22

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The Verifier shall:

a. Record the details of the Employee and of the application evaluated by the Accredited Entity

that are pertinent to the assessment of the Employee’s capacity to pay;

b. Determine if the stamped monthly amortization can be accommodated in the APDS,

cognizant of the Employee’s eligibility to avail of insurance policy/membership/other

allowed obligation under the APDS, the NTHP rule, and the Employee’s capacity to pay

based on the presented pay slip and the Verifier’s records. The Verifier, based on his/her

records, shall also check if the Employee has approved obligations that are not yet reflected

in the latter’s stamped pay slip.

First-in first-served rule shall be strictly observed in the verification of applications;

E-mail the Accredited Entity using the official/designated DepEd e-mail, copy furnished

(“cc”) the Employee, either of the following messages depending on the Verifier’s

assessment:

If the monthly deduction can be accommodated in the APDS:

Please be informed that as validated in our records, the application of DepEd

Employee you evaluated can be accommodated in the APDS, as follows:

Employee’s Name

Employee No.

Station Code

Amount of Monthly Membership

Dues/Contribution

Any misrepresentation in the Employee’s application verified by the Accredited Entity

shall not be the liability of the Verifier.

ii.

If the monthly deduction cannot be accommodated in the APDS:

Please be informed that as validated in our records, the application of DepEd Employee

you evaluated cannot be accommodated in the APDS for reasons stated below:

Employee’s Name

Employee No.

Station Code

Amount of Monthly Membership

Dues/Contribution

Reason/s

e.g. Insufficient NTHP; With approved

obligations that are not yet reflected in

the stamped pay slip

d. Every 3rd day of the current month, furnish the Payroll Services Unit (PSU) and/or

Implementing Unit-Secondary Schools (IU-SS) with list of verified insurance

premia/membership contributions per Accredited Entity that can be accommodated in the

payroll every 3rd day of the current month

-- End -Page 14 of 22

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PROCESS FLOW FOR THE ONLINE PROCEDURES ON DEPED EMPLOYEES’ APPLICATIONS

FOR INSURANCE PREMIA AND/OR MEMBERSHIP DUES/CONTRIBUTIONS WITH THE

ACCREDITED ENTITIES UNDER THE DEPARTMENT’S PROGRAM ON AUTOMATIC PAYROLL

DEDUCTION SYSTEM (APDS)

Employee

Accomplishes Online Application

for Membership

Submits the Application for

Membership, duly supported

with the latest available pay slip

to Accredited Entity.

Accredited Entity

Verifier

3. Evaluates Employee’s Application,

including capacity to pay based on pay

slip

4. If the Application passes the

evaluation, stamps details on the pay

slip and signs thereon.

If not, informs the Employee

accordingly.

5. E-mails a scan of the stamped pay slip

to the Employee.

6. Forwards the Accredited Entity’s

e-mail to the Verifier for

confirmation.

7. Records the details of the

Employee and of the Application

evaluated by the Accredited Entity

that are pertinent to the

assessment of the Employee’s

capacity to pay.

8. Determines if the stamped

monthly amortization can be

accommodated in the APDS.

9. E-mails assessment to the

Accredited Entity, copy furnished

the Employee.

10. If the monthly deduction can be

accommodated in the APDS:

Approves the Application and

execute the next steps necessary to

complete the transaction/contract

within thirty (30) days from receipt

of the Verifier’s confirmation and

notify the Verifier of such action/s

through e-mail within 24 hours.

If the monthly deduction cannot be

accommodated in the APDS: Inform

the Employee that the Application

cannot be granted under the APDS.

11. Every 3rd day of the current month,

furnish the PSU and/or IU-SS with

list of verified applications per

Accredited Entity that can be

accommodated in the payroll.

Page 15 of 22

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ANNEX “D”

APDS Template/Standard Format of Authority to Deduct

AUTHORITY TO DEDUCT

THROUGH THE DEPED AUTOMATIC PAYROLL DEDUCTION SYSTEM (APDS)

I hereby authorize DepEd to deduct monthly from my salary, through the DepEd

APDS, the sum of PESOS:_______________________________________________

(P___________) beginning on _______________ and ending on _______________, as

premium/contribution/due, and to remit the same to NAME OF ACCREDITED ENTITY in

consideration of the insurance policy/membership/other allowed obligation, more

specifically described as _______________________________. In case my premium

contribution is not deducted from the payroll, regardless of the reason, I also authorize

DepEd to automatically adjust the termination period in my pay slip by one (1) month for

every month of delay of its deduction. I fully understand that no lapses of payment shall

be made by the Accredited Entity for this purpose, thus, the corresponding benefit as

contracted shall be available in case of need.

The authorization is VALID AND BINDING within the aforementioned period,

unless the authorization is otherwise revoked. Moreover, I agree that deductions that will

reduce my monthly net take-home pay to lower than what is allowed under the law shall

not be accommodated in the APDS.

___________________________________________

Signature over Printed Name of DepEd Employee

Employee Number:

Station Code:

Division Code:

Region:

Date: ___________________

Page 16 of 22

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ANNEX “E”

Sworn Statement regarding the documents submitted and full explanation of the

terms and conditions to the Employees.

[Date]

DR. ________________________

Regional Director

DepEd –Region ____________

____________________________

SWORN CERTIFICATION

Sir/Madam:

As a/an <type of private entity> accredited under the Automatic Payroll Deduction System (APDS) Program

of the Department of Education, may we request for automatic payroll deduction of the obligations

obtained by the following DepEd personnel for the month of _____________, 2021.

Name of Employee

1. ___________________

2. ___________________

Work Station

_______________________

Date of Application

_______________________

In this regard, the Company hereby certifies the following:

1. Name of Entity and the DepEd personnel have executed Authorities to Deduct and Policy Contracts and/or

Certificates of Membership, and copies of the said documents were furnished to the concerned DepEd

personnel;

2. The insurance premia and/or membership dues/contributions of new DepEd members were duly verified

by the designated DepEd Verifier; and

3. The terms and conditions were properly discussed with the DepEd personnel and they have understood

the same.

The company agrees that any falsity of the certification herein is a ground for the revocation of the

company’s accreditation in the DepEd APDS.

Very truly yours,

___________NAME___________

[Position/Official Designation]

SUBSCRIBED AND SWORN to this ____ day of ________________ by the affiant who is personally

known to me/identified by me as such persons after presenting his or her <government issued ID>.

Doc No.

Page No.

Book No.

Series of 2021

Page 17 of 22

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ANNEX “F”

Procedures for the Online Process on the Submission of Monthly Billing

Statements by the Accredited Entity Under the Department’s Program on APDS

The Accredited Entity shall:

1. Consolidate all Applications for Membership of DepEd Employees within a month, and

prepare monthly billing statement in accordance with the prescribed template provided by

the Payroll Services Units (PSU) and/or Implementing Unit-Secondary Schools (IU-SS). The

billing statement must be duly supported with pertinent documents of DepEd Employees,

as shown below.

As provided by DepEd Employees:

ii.

iii.

iv.

Accomplished Application for Membership Form

Authorization to Deduct (ATD);

Government Issued ID; and

Latest available pay slip.

Subscribed Sworn Certification stating that:

Name of Entity and the DepEd personnel have executed Authorities to Deduct

and Policy Contracts and/or Certificates of Membership, and copies of the said

documents were furnished to the concerned DepEd personnel;

ii.

The insurance premia and/or membership dues/contributions of new DepEd

members were duly verified by the designated DepEd Verifier; and

iii.

The terms and conditions were properly discussed with the DepEd personnel

and they have understood the same.

2. Every 5th day of the month, submit through email the monthly billing statement/s for

all applications for membership of DepEd Employees granted within the previous month,

together with the scanned copies of the pertinent documents listed in Items 1 (a to b)

above, to the official email addresses of PSUs and/or IU-SSs (___@deped.gov.ph). Under

no circumstance shall the Accredited Entity bill a DepEd Employee for applications not

verified by the DepEd Verifier.

Check and retrieve any returned billings through email from PSUs and/or IU-SSs, and resubmit the same as rectified, on or before the 10th day of the current month. Any

billing for new Applications for Membership approved by the Accredited Entity,

but has not been approved by the Verifier shall not be accommodated, and shall be

returned to the Accredited Entity.

Provide copies of the billing statement to the concerned Schools Division Offices,

Attention: DepEd Verifiers, within ten (10) days after the submission of its final billing

statement to the PSUs and/or IU-SSs.

5. Submit hard copies of signed billing statement (original copy) and the supporting

documents to the PSU and/or IU-SS.

Page 18 of 22

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ANNEX “G”

PROVINCES/REGIONS WHERE THE ACCREDITED ENTITY HAS OFFICE/S AS

VALIDATED BY DEPED (Including affiliate offices, if any)

NAME OF ENTITY:

APDS CODE:

REGION

PROVINCIAL

LOCATION

CITY/

MUNICIPALITY

COMPLETE

ADDRESS

NAME OF

AUTHORIZED

PERSONNEL

CONTACT

NUMBER

ADDRESS

I hereby certify that the said offices/branches can sufficiently render services such as, but not

limited to: maintaining complete records, accepting payments, issuance of statements of accounts,

official receipts, certificates of full payment, and contracts and membership documents, all within

specified timeframes, and attending to other transactions, queries, and complaints of DepEd

personnel

(Signature)

Name of Authorized Representative

Designation

Page 19 of 22

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ANNEX “H”

GROUNDS FOR SUSPENSION OR REVOCATION OF ACCREDITATION

(For Lending, Insurance Premia, or Membership Dues/Contributions, as Applicable)

Simple Grounds

Suspension, which involves the withholding of remittance for not less than one (1) month

but not more than six (6) months, and the corresponding non-acceptance of new business or

deduction billing for not less than one (1) month, shall be imposed upon repeated commission of

grounds classified as “Simple”.

“Simple grounds” are acts or omissions of an accredited entity in violation of the guidelines

on accreditation/re-accreditation or TCAA that can cause minor damage to DepEd employees who

are borrowers, policy holders or members of accredited entities.

Simple grounds include, but are not limited to, the following:

a. Billing more than one (1) loan per DepEd borrower.

b. Not furnishing the DepEd employee, or charging the borrower/DepEd fees for, copies of

the ATD, PN, DS, and/or amortization schedule in accordance with Annexes D-1 to D-3, or

copies of the Certificate of Membership, Policy Contract, and/or other documents

evidencing membership for insurance/mutual benefits/association duly acknowledged by

Employees.

c. Billing the co-maker, through APDS, for the loan balance of the principal borrower.

d. Computation of interest and non-interest charges on Loan not in accordance with the

guidelines, but the Effective Interest Rate is still within the specified ceiling.

e. Not reflecting the conditions on penalties and/or past due interest on loans, if any, in the

DS signed by DepEd borrowers.

Refusal to accept tender payment of loan in advance, whether partially or in full, during

or after the term of the loan, from DepEd borrower/s or from other lending institutions, in

case of loan take-out/buy-out by the latter.

g. Non- or delayed issuance of the Official Receipt in case of partial or full

payment.

h. Failure or delay in the issuance of a dated Certificate of Full Payment of Loan to the DepEd

borrower and/or failure to send a written request to the concerned payroll servicing unit

concerned for the immediate stoppage of deduction, in case of advance payment of loan

in full.

i.Unrefunded over-deductions for the first time/payroll month.

j.Failure to provide duly certified Statement of Account/Status of Premium Payments for

every loan/transaction granted to a DepEd borrower/member, free of charge, annually and

anytime upon request, within the day that the request was made by DepEd or the DepEd

borrower/member, duly supported by an up-to-date payment history.

k. Extending the termination date of loan amortization beyond what is stipulated in the

Authority to Deduct signed by DepEd borrowers, or beyond the period allowed by the

guidelines.

Charging fee for and/or delay or non-issuance of a Certificate of Full Payment of Loan

(CFPL).

Page 20 of 22

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m. Failure to inform DepEd Regional/Central Office of any transfer of office location for

purposes of updating Annex G of the TCAA.

n. Using the terms “DepEd” or “public school teacher” in promotions or in any form of

advertisement.

o. Submission of billing not in accordance with the prescribed timelines.

p. Charging and collecting interest for the remainder of the term of the loan in case of advance

payment in full of the loan.

q. Operating lending/insurance premia/mutual benefits business in a province without prior

authority from DepEd.

r. Maintaining an office that is not compliant with the requirements of the guidelines/TCAA.

s. Non- or delayed submission of annual and semi-annual documentary requirements.

t. Accepting Automated Teller Machine (ATM) card as collateral from DepEd employees for

their loans under APDS.

u. Inclusion in the billing statement for lending business of mutual aid system/ insurance

premia deductions, or compelling any DepEd borrower to take out any type of insurance

contract other than credit life insurance, as a condition to the loan agreement.

v. Failure to submit the required documents within the period specified by the guidelines.

w. Deduction of advance payments from the loan proceeds of DepEd borrowers.

x. Other acts or omissions similar or analogous to the above.

Serious Grounds

The Accreditation shall be revoked upon commission of grounds classified as “Serious”.

When the Accreditation is revoked, the Accredited Entity shall no longer be allowed to grant new

business in the affected province/s under the APDS. However, collection of deductions already

incorporated in the APDS as of the date of revocation shall continue up to the termination dates

reflected in the pay slip. Thereafter, the APDS Code is automatically cancelled.

“Serious grounds” are acts or omissions of an accredited entity in violation of the guidelines

on accreditation/re-accreditation or TCAA, which manifest fraud, bad faith, or willful

misrepresentation intended to obtain undue financial gain at the expense of a DepEd employee

who is a borrower, policy holder or member of accredited entities, or to undermine the

effectiveness of the APDS.

Serious grounds include, but are not limited to, the following:

a. Approval/release/billing of loans/insurance premium/membership dues or contributions

without requisite approval by DepEd Verifier.

b. Making false representation to the DepEd employee regarding the terms and conditions

of the loan/insurance premium/membership dues or contributions.

c. Acceptance of blank Authority to Deduct (ATD), Promissory Note (PN), Disclosure

Statement, signed by the concerned DepEd borrowers.

d. Submission of false/fraudulent documents.

e. Inclusion of deductions not indicated in Annexes D1 – D3 (sample loan computation)

Page 21 of 22

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Computation of interest and non-interest rates on Loan not in accordance with the

guidelines and the Effective interest Rate exceeds the specified ceiling.

g. Billing of loans not yet granted, renewed or released to DepEd borrowers.

h. Entering into automatic payroll deduction agreements with fiscally autonomous DepEd

schools.

Transfer, reassignment, and sale of deduction code.

j.“Piggy-backing” (Accredited entities allowing the use of the APDS Code by nonaccredited entities).

k. Making malicious or defamatory imputation, threat and physical injury against DepEd

officials and/or personnel in relation to the implementation of the APDS.

l.The Certificate of Registration/Authority of the entity is cancelled or terminated by the

IC, SEC, BSP or CDA,

m. Non-disclosure of the revocation or suspension of the Certificate

Registration/Authority by the concerned government regulatory bodies.

n. Repeated suspensions based on simple grounds, indicating refusal to comply with, or

wanton disregard for, APDS guidelines.

o. Other acts or omissions constituting fraud, bad faith, or willful misrepresentation

intended to obtain undue financial gain at the expense of a DepEd employee who is a

borrower, policyholder or member of accredited entities, or to undermine the

effectiveness of the APDS.

Page 22 of 22

Authorizing the Grant of Hazard Pay to Government Personnel Who Physically Report for Work During the Period of Quarantine

noreply@blogger.com (Claw Machines) — Sun, 27 Jun 2021 09:13:00 +0000

DepEd MEMORANDUM No. 032 ,s.2021

Republic of the Philippines

Department of Educagion

11 JUN 2021

DISSEMINATION OF ADMINISTRATIVE ORDER NO. 43

(Authorizing the Grant of Hazard Pay to Government Personnel Who Physically Report for Work During the Period of Implementation of An Enhanced Community Quarantine and A Modified Enhanced Community

Quarantine, Amending Administrative Order No. 26 (s. 2020), and for Other Purposes)

To: Undersecretaries Assistant Secretaries

Minister, Basic, Higher, and Technical Education, BARMM

Bureau and Service Directors Regional Directors

Schools Division Superintendents

Public Elementary and Secondary School Heads All Others Concerned

1. For the information and compliance of all concerned, enclosed is a copy of Administrative Order No. 43, s. 2021 from the Office of the President dated June 1, 2021, titled, Authorizing the Grant or Hazard Pay to Government Personnel Who Physically Report for Work During the Period or Implementation or An Enhanced Community Quarantine and A Modified Enhanced Community quarantine, Amending Administrative Order No. 26 (s. 2020), and for Other

Immediate dissemination of this Memorandum is desired.

(Enclosure to DepEd Memorandum No. 032, s. 2021)

MALAC AN PALACE

MANILA

BY THE PRESIDENT OF THE PHILIPPINES ADMINISTRATIVE ORDER NO. 43

AUTHORIZING THE GRANT OF HAZARD PAY TO GOVERNMENT PERSONNEL WHO PHYSICALLY REPORT FOR WORK DURING THE PERIOD OF IMPLEMENTATION OF AN ENHANCED COMMUNITY QUARANTINE AND A MODIFIED ENHANCED COMMUNITY QUARANTINE, AMENDING ADMINISTRATIVE ORDER NO. 26 (S. 2020), AND FOR OTHER PURPOSES

WHEREAS, Proclamation No. 922 (s. 2020) declared a State of Public Health Emergency in recognition of the COVID-19 public health event as a threat to national security, and prompted a whole-of-government approach in addressing the COVID-19 outbreak in the country;

WHEREAS, Proclamation No. 1021 extended the period of the State of Calamity throughout the Philippines for a period of one year, effective 12 September

202(t.fp 12 September 2021;

·I

WHEREAS, pursuant to the recommendation of the Inter-Agency Task Force (IATFa_for the Management of Emerging Infectious Diseases under its Resolution No. 106., l(s. 2021), the President imposed an Enhanced Community Quarantine (ECQ) in the 1National Capital Region and other provinces beginning 27 March 2021 until 04 April 2021, and was subsequently extended until 11 April 2021;

.. .· WHEREAS, upon the recommendation of the IATF through its Resolution No. 109 Ji\ ( s, 2021), various areas in the country were placed under a Modified ECQ

· ii. ! WHERE AS, goverment employees occupying regular, contractual or casual

pos[tions, or those engaged through the contract of service (COS), job order (JO) or other similar schemes, whose services are urgently essential and who physically report for work' during the period of an ECQ and MECQ, are inevitably exposed to the risk of

CQ\./10-19 infection and other similar health dangers and hazards; and

I .• •

q' i

· / . ,·

::\ ' WHEREAS, Joint Resolution No. 4 (s. 2009) authorizes the grant of Hazard

Pay· to government personnel exposed to hazardous situations, such as, but not limited to, disease-infested places, which pose occupational risks or perils of life;

NOW, THEREFORE, I, RODRIGO ROA DUTERTE, President of the Republic of the Philippines, by virtue of the powers vested In me by the Constitution and existing laws, do hereby order:

THE PRESIDENT OF THE PHILIPPINES

Section 1. Section 1 of Administrative Order (AO) No. 26 is hereby amended

as follows:

"SECTION 1. Grant of the COVID-19 Hazard Pay. National government agencies (NGAs) including state universities and colleges (SUCs) and government owned or-controlled corporations (GOCCs) are authorized to grant COVID-19 Hazard Pay to personnel who physically report for work during the Implementation of an Enhanced Community Quarantine and Modified Enhanced Community Quarantine in their respective work stations, in an amount not exceeding PSOO per day per person

XX X."

Section 2(b) of AO No. 26 is hereby amended as follows:

"SECTION 2. Conditions on the Grant of the COVID-19 Hazard Pay. The heads of government agencies may grant the COVID-19 Hazard Pay to their personnel without the need of further approval of the Department of Budget and Management (DBM), provided the following conditions are met:

XXX

b. The personnel have been authorized to physically report for work at their respective offices or work stations on the prescribed official working hours by the head of agency or office during the period of implementation of Enhanced Community Quarantine and Modified Enhanced Community Quarantine measures in the area of such office or work station; and

XX X."

:""": ·J, S ection 3 (b) of AO No. 26 is hereby amended as follows:

' .

:' :; _' rs ECTION3". FundlngSources for COVID-19 Hazard Pay for Employees In

1i i the Executive Branch. The funds needed for the grant of COVID-19 Hazard Pay to

:, \"employees in the Executive Branch shall be charged against the following sources:

XXX

b. For GOCCs, the amount required shall be charged against their respective approved corporate operating budgets (COBs) for the current fiscal year.

i . . Should a:GOCChave insufficient funds to fully cover the COVI0-19 Hazard

;i'Yi'l1!

Pay at P500 per day per person, a lower but uniform rate may be granted for all qu lified personnel."

!'· J I

I Section 5 of AO No. 26 is hereby amended as follows;

. ; . . "SECTION 5.1COVID-19Hazard Pay for Employees In the LGUs. The grant

;, ·' : of the COVID-19 Hazard Pay to employees in LGUs, including those in the barangays,

J,. who physically report for work as provided in Section 2(b) of this Order, shall be determined by theirs. respective Sanggunians depending on the LGU's financial: i capability, at rates not exceeding PSOO per day per person, subject to: (a) the PS the limitation in LGU budgets under Republic Act (RA) No. 7160, and (b) the other ' · conditions under Section 2 hereof, chargeable against the current year's local government funds. Should an LGU have insufficient funds to fully cover the COVI0-19

Hazard Pay at the rate of lil500 day per person, a lower but uniform rate may be granted for all qualified personnel."

Section 2. Except for the foregoing amendments, all other provisions of AO

No. 26 shall remain unchanged.

Section 3. This Order shall take effect immediately upon its publication in the Official Gazette or In a newspaper of general circulation

Registration Requirements for De La Salle University for 2021 classes

noreply@blogger.com (Claw Machines) — Wed, 16 Sep 2020 16:31:00 +0000

DLSU APPLICATIONS (as of today)

!!NO DCAT!!

Date of applications: November 15, 2020 - February 15, 2021
Release of results: April 2021

Application form is via online facility

Requirements:

1. Basic Requirements
>Academic Information:
1. School ID
2. Colored, Passport Sized Photo

Proof of citizenship

1. PSA birth certificate

Academic Record

1. Complete Grade 11 report card or transcript of records

2. Personal statement (Essay)

Prompt(Not final): What future do you want and how are you going to contribute to the society. Aligned with that, how can DLSU help you achieve your goals and help you as a person?

3. List of Extracurricular Involvements

4. 2 Recommendation Letters

Subject Teacher
Guidance Counselor
School Principal

DLSU APPLICATIONS (as of today)

!!NO DCAT!!

Date of applications: November 15, 2020 - February 15, 2021
Release of results: April 2021

Application form is via online facility

DepEd K12 Industrial Arts Curriculum is Perfect and Life Necessity

noreply@blogger.com (Claw Machines) — Sun, 12 Apr 2020 23:51:00 +0000

Specialization Number of

Hours Pre-requisite

1. Automotive Servicing (NC I) 640 hours

3. Carpentry (NC II) 640 hours

5. Construction Painting (NC II) 160 hours

6. Domestic Refrigeration and Air-conditioning (DOMRAC) Servicing (NC II) 640 hours

7. Driving (NC II) 160 hours

8. Electrical Installation and Maintenance (NC II) 640 hours

9. Electric Power Distribution Line Construction (NC II) 320 hours Electrical Installation and Maintenance (NC II)

10. Electronic Products Assembly and Servicing (NC II)

11. Furniture Making (Finishing) (NC II) 640 hours

12. Instrumentation and Control Servicing (NC II) 320 hours Electronic Products Assembly and Servicing (EPAS) (NC II)

13. Gas Metal Arc Welding (GMAW) (NC II) 320 hours Shielded Metal Arc Welding (SMAW) (NC II)

14. Gas Tungsten Arc Welding (GTAW) (NC II) 320 hours Shielded Metal Arc Welding (GMAW) (NC II)

15. Machining (NC I) 640 hours

16. Machining (NC II) 640 hours Machining (NC I)

17. Masonry (NC II) 320 hours

18. Mechatronics Servicing (NC II) 320 hours Electronic Products Assembly and Servicing (EPAS) (NC II)

19. Motorcycle/Small Engine Servicing (NC II) 320 hours

20. Plumbing (NC I) 320 hours

22. Refrigeration and Air-Conditioning (Packaged Air-Conditioning Unit

23. Shielded Metal Arc Welding (NC I) 320 hours

25. Tile Setting (NC II) 320 hours

26. Transmission Line Installation and Maintenance (NC II) 640 hours

Guidelines for Neap Recognition of Professional Development Programs and Courses for Teacher and School Leaders

noreply@blogger.com (Claw Machines) — Sat, 11 Apr 2020 12:46:00 +0000

DepEd Order No. 002 s 2020

Guidelines for Neap Recognition of Professional Development Programs and Courses for Teacher and School Leaders

1. The Department of Education, through the National Educators Academy of the Philippines, is committed to the professional growth and lifelong learning of its teachers and school leaders as a key foundation to the upgrading of the quality of basic education. Hence, appropriate professional development programs or courses that address their development needs using various platforms and modalities that include formal training and workplace learning shall be made available at all levels.

2. The quality of professional development programs and courses shall be assured through a recognition system that requires alignment to professional stand standards for teachers and school leaders, responsiveness to identified professional development priorities, promotion of dynamism, innovation and application at the classroom level, and transparency and consistency.

3. In light of the above, Deped issues the enclosed Guidelines for Neap Recognition of Prof Devt Program and Course for Teachers and School Leaders.

4. These guidelines shall take effect immediately upon issuance.

Leonor Magtois Briones

https://www.deped.gov.ph/wp-content/uploads/2020/01/DO_s2020_001.pdf

Free Download of DepEd Electronic Class Record

noreply@blogger.com (Claw Machines) — Fri, 31 May 2019 01:23:00 +0000

The Department of Education has an official electronic class record that school teachers can download. This ECR or excel pre-formatted class record has embedded formula giving the teachers automatic final grades per period. Because this is official, Principals or school administration need to follow the implementation.

Benefits of the computerized grading system

1. Easy to update
2. Fewer mistakes
3. Transparent
4. Easy to manage

What you can download

Download all GRADE 1 ECR Templates (zip)

Download all GRADE 2_ECR Templates (zip)

Download all Grade 3 ECR Templates (zip)

The Electronic Class Record User Manual for Grades 1-3

User Manual for Basic Commands in MS Excel

Download all GRADE 4-6_ECR Templates

The Electronic Class Record User Manual for Grades 4-6

User Manual for Basic Commands in MS Excel Grade 7-10
ECR Templates Grade 7-10 –
Filipino Grade 7-10 –
English Grade 7-10 –
Mathematics Grade 7-10 –
Science Grade 7-10 –
Home Economics Grade 7-10 –
Araling Panlipunan Grade 7-10 –
Edukasyon sa Pagpapakatao (EsP) Grade 7-10 –
TLE Grade 7-10 –
MAPEH 1st Quarter Grade 7-10 –
MAPEH 2nd Quarter Grade 7-10 –
MAPEH 3rd Quarter Grade 7-10 –
MAPEH 4th Quarter Grade 7-10 –
MAPEH Final Grades Grade 7-10 Summary –
Final Grades Download all GRADE 7-10 ECR Templates (zip)
The Electronic Class Record User Manual for Grades 7-10 User Manual for Basic Commands in MS Excel

For references Download your ECR here

DepEd Order No. 8, s. 2015, also known as the Policy Guidelines on Classroom Assessment for the K to 12 Basic Education Program.

2019 Qualifying Examination and Training Program of the Mathematics Trainer's Guild Philippines

noreply@blogger.com (Claw Machines) — Fri, 31 May 2019 00:54:00 +0000

The Mathematics Trainer's Guild Philippines announces the administration of the 2019 MTG Qualifying Examination on July 20, 2019, in different MTG training centers nationwide.

The qualifying examination aims to

a. evaluate the bread of learners mathematical knowledge and skills b. select superior leaners in the field of Mathematics for further training and advancement c. provide them with the appropriate venue to enhance their math skills through several phases of training, and d. develop the mathematical potentials of promising learners to meet international math standards

The target participants are mathematically inclined and gifted Elem, junior and senior HS learners from public and private schools.

Registration is free of charge

For more information, contact Mr. Joseph S Wee, Secretary, MTG Philippines at email jsw_66@yahoo.com, website www.mtgphil.org or mobile nos. 09116-247-0777

For details of Memo

DepEd Memo No 061 S 2019

Guidelines on Eligibility and Application for the Senior High School Voucher Program in School Year 2019 - 2020

noreply@blogger.com (Claw Machines) — Fri, 31 May 2019 00:40:00 +0000

Guidelines on Eligibility and Application for the Senior High School Voucher Program in School Year 2019 - 2020

The Department of Education issues the enclosed Guidelines on Eligibility and application for the Senior High School Voucher Program in School year 201+-2020 to provide details on the requirements, procedure, and schedule for voucher application from qualification to redemption, as well as other informative relative to SHS VP application.

These guidelines shall have national applicability, effective for vouchers what will be redeemed in SY 2019-2020

These guidelines shall remain in effect unless otherwise amended or repealed

-------------

I RATIONALE

Republic Act no 10533, otherwise known as the Enhanced Basic Education Act of 2013 lengthen Philippines basic education form 10 to 13 years with the addition of Kindergarten and grades 11 and 12 in Senior High School. Grade 11 was introduced in School Year 2016-2017, grade 12 in SY 2017-2018.

The Philippines Constitution of 1987, particularly Article XIV, Section 1, guarantees the right of every Filipino to accessible and quality basic education, and Article XIV, Section 2.3 mandates the State of establishing a system of, among others, subsidies and incentives to deserving individuals in both public and private schools. RA No. 10533 upholds both of the said provisions by explicitly expanding the programs of assistance under Government Assistance to Students and Teachers in Private Education Law or RA no, 8545 which amends RA No. 6728. to extend the benefits accorded by EGASTPE to qualified learners in Grades 11 and 12. RA NO. 10533 further mandates the DepED to formulate programs to enact the abovementioned law based on the principles of public-private partnership. For complete guidelines click here

AMAZING COLLEGE SCHOLARSHIP PROGRAM FROM GUANG MING

noreply@blogger.com (Claw Machines) — Sat, 02 Feb 2019 15:10:00 +0000

FOR ACADEMIC YEAR 2019–2020 Guang Ming College offers a full scholarship grant to deserving public high school students for Academic Year 2019–2020 on the following degree programs:

1. Bachelor of Arts in Theater,

2. Bachelor of Performing Arts in Dance, and

3. Bachelor of Arts in Buddhist Studies.

The scholarship program aims to provide a learner-centered and globally competent humanistic education with a sense of responsibility and accountability for human development and social change to academically qualified students of the poorest of the poor.

The scholarship grant covers the following:

a. Tuition and Miscellaneous Fees;
b. Board and Lodging;
c. Textbooks;
d. Uniforms, including footwear; and
e. In-country and International Educational Trips.

For more information, contact: Helen Villarico-Correa EdD College President
Guang Ming College
656 Pablo Ocampo St. Malate,
Manila Telephone
No.: (02) 559-9540 Fax No.:
(02) 522-1475 Email Address: gmc@guangming

DA_s2019_008

National Science and Technology Fair 2018 - 2019

noreply@blogger.com (Claw Machines) — Sun, 02 Sep 2018 11:00:00 +0000

The DepED, through BCD, announces the conduct of the National Scienc and Technology Fair for School Year 2018 - 2019 from Feb 18 to 22, 2019 at the Tagaytay international conversion center, tagaytay city.

The conduct of the school, division, and regional sceince and technology gair levels shall be held on the following dates:

Level Date
School Sept 2018
Division Oct 2018
Region Nov 2018

THe STF aims to:

a. Promote Sci and Tech consciousness and a culture of innovation and the youth

b. Identify the most creative and innovative student researches from junion and senior HS who shall represent the country in the International science fair

http://www.deped.gov.ph/wp-content/uploads/2018/08/DM_s2018_134.pdf

Deped Memo 134 s 2018

19th National Convention and Seminar-Workshop of the National Organization of Professional Teachers

noreply@blogger.com (Claw Machines) — Sun, 02 Sep 2018 03:07:00 +0000

19th National Convention and Seminar-Workshop of the National Organization of Professional Teachers Inc

will conduct the seminar workshop with the theme NOPTIANS: Sustaining a Strong Community of Learnes and Stakeholders Partnership and Living a Culture of Excellence Towards an Enhanced K12 Program Implementation from Nov 23 to 25, 2018 at the Baguio Teachers Camp Baguio City.

The convention aims to

a. provide the participants with important updates on the enhance k12 program

b. address the issues, concerns, and challenges of the new curriculum and

c. share with theme innovative teaching practices and the new paradigm in the implementation of the k12 program

3. The participants are elem and secondary school teachers, school heads, administrator, officers, and members of NOTI in the school, district, division, regional, and national level.

http://www.deped.gov.ph/wp-content/uploads/2018/08/DM_s2018_135.pdf

DepEd Memo No135 s 2018

Guidelines on the Implementation of the Joint Delivery Voucher Program

noreply@blogger.com (Claw Machines) — Sun, 18 Mar 2018 06:27:00 +0000

-->

Guidelines on the Implementation of the Joint Delivery Voucher Program for Senior High School Technical-Vocational-Livelihood Specializations for School Year 2017-2018

1. Pursuant to pertinent provisions of
Republic Act No. 10533 otherwise known as the Enhanced Basic Education Act of 2013 and Republic Act 10924 or the General Appropriations Act (GAA) for Fiscal Year 2017, the Department of Education hereby issues the enclosed Guidelines on the Implementation of the Joint Delivery Voucher Program for Senior High School Technical-Vocational-Livelihood Specializations (JDVP-TVL) for School Year (SY) 2017-2018.

2. These guidelines shall be effective immediately, and shall remain in force and effect for the duration of the Program for SY 2017-2018.

3. Queries pertinent to the guidelines shall be addressed to the Bureau of Curriculum Development, attention: Jocelyn DR Andaya, Director IV, through email at bcd.od@deped.gov.ph.

Immediate dissemination of and strict compliance with this Order is directed.

Philippine Professional Standard for Teachers

noreply@blogger.com (Claw Machines) — Sun, 18 Mar 2018 06:18:00 +0000

January 16, 2018 – Recognizing the importance of professionalizing standards for teachers and for their continuous development, the Department of Education (DepEd), through the Teacher Education Council (TEC), adopted the Philippine Professional Standards for Teachers (PPST).

In DepEd Order No. 42, series 2017 or the National Adoption and Implementation of the Philippine Professional Standards for Teachers, Education Secretary Leonor Magtolis Briones stated that the new set of standards for teachers is propelled by the introduction of national and international frameworks, such as the K to 12 program and ASEAN integration.

The PPST outlines the required skills and competencies of quality teachers, enabling them to cope with the emerging global frameworks.

The PPST basically aims to: 1) set the clear expectations of teachers along well-defined career stages of professional development from beginning to distinguished practice; 2) engage teachers to actively embrace a continuing effort in attaining proficiency; and 3) apply a uniform measure to assess teacher performance, identify needs, and provide support for professional development.

Briones pointed out that the PPST will be the basis for all learning and development programs for teachers to ensure that they are properly equipped to effectively implement the K to 12.

Teacher quality for the 21st century
The PPST targets to produce better teachers in the country by improving their qualifications skills and by increasing their levels of knowledge, practice and professional engagement.

The six modules of the PPST are the following:

1) The Department of Education;
2) The Filipino Teacher;
3) The K to 12 curriculum;
4) The Teaching Process;
5) the Learning Process; and
6) The School and Community Linkages.

These are all anchored on the seven domains that quality teachers should exhibit including:

1) Content Knowledge and Pedagogy;
2) Learning Environment;
3) Diversity of learners;
4) Curriculum and Planning;
5) Assessment and Reporting;
6) Community Linkages and Professional Engagement; and
7) Personal Growth and Professional Development.

Career stages
Anchored on the principle of lifelong learning, the set of professional standards for teachers articulates their developmental progression.

Career Stage 1 or Beginning Teachers have gained the qualifications for entry into teaching position; Career Stage 2 or Proficient Teachers are professionally independent in the application of skills vital to the teaching and learning process; Career Stage 3 or Highly Proficient Teachers consistently display a high level of performance in their teaching practice; and Career Stage 4 or Distinguished Teachers exhibit the highest standard of teaching practice in accordance to global best practice.

The regional offices are set to orient their respective schools divisions on the PPST, including the monitoring and evaluation of its implementation. The school divisions will cascade it to schools districts and schools.

2017 PPST activities
DepEd, through the Teacher Education Council (TEC) headed by Director Runvi Manguerra, has initiated the PPST workshops on Module Development, Enhancement and Validation attended by curriculum specialists, school heads, and other stakeholders. A workshop on the Development of Implementing Guidelines for PPST was also conducted in coordination with the Research Center for Teacher Quality (RCTQ), and attended by DepEd Regional Directors and officers of Basic Education Sector Transformation (BEST) program.

TEC also spearheaded the PPST National Roll-Out, as well as the Teacher Induction Program (TIP) National Orientation of Trainers in three clusters – Luzon, Visayas, and Mindanao, which was participated by DepEd Directors, Schools Division Superintendents, chiefs, district supervisors, principals, education program specialists, master teachers, and RCTQ officials. This was followed by TIP module review workshops and module pre-finalization workshops.

The concept of the PPST was first introduced during the First National Assembly of Education Leaders held at PICC, Pasay City, and attended by 3,800 education managers nationwide. It was formally launched during the World Teachers’ Day (WTD) celebration held in Legazpi City that was attended by 6,000 teachers across the country.