Foremost of these challenges is the fact that our targeted constituents cut across 17 administrative regions, are of different faiths and speak several dialects. That diversity should surely tell us that the learning interventions for Apayao up north may be different from those which will be extended to the Zamboanga Peninsula down south. In addition, there are capacity and needs differences across the regions.
The latest Family Income and Expenditure Survey (FIES 2009) provides us with useful lens through which we can view the saving – and thus investing – capacity of families. It tells us for example that roughly 90 percent of the total saving is generated by only 30 percent of families.