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Friday, October 7, 2022

SSS offers a new loan penalty condonation program to members with unpaid loans


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The Social Security System (SSS) launched on October 4, 2022 a new penalty condonation program that aims to aid its members in paying their past-due loans.

SSS President and Chief Executive Officer Michael G. Regino urged members with unpaid short-term member loans to take advantage of the Consolidation of Past Due Short-Term Member Loans with Condonation of Penalty.

Members qualified to avail of the program are those with outstanding Salary Loans including Salary Loan Early Renewal Program (SLERP), Calamity, Emergency Loan, and Restructured Loan.

“We continuously offer loan penalty condonation programs to help our members settle their loan balances without penalties and regain their good standing with the SSS,” Regino said.

Under the program, SSS shall combine the principal and interest of a member’s past-due short-term member loans into one consolidated loan while all unpaid penalties shall be consolidated and condoned upon full payment of the consolidated loan.

Interested members must meet the following requirements to qualify for the program:
have a past-due short-term member loan at the time of their application;
have not been granted any final benefit such as permanent total disability or retirement;
have not been disqualified due to fraud committed against the SSS; and
have an active My.SSS account.
Regino said members may pay their consolidated loan through a one-time payment within thirty (30) calendar days after receiving the approval notice or they may also opt to pay through installment.

For the installment scheme, members must pay a down payment equivalent to at least 10% of the consolidated loan within thirty (30) calendar days after receiving the approval notice. Meanwhile, they can pay the remaining balance for up to 60 months, depending on the amount.

He said that if the member fails to meet the payment terms based on the consolidated loan agreement, SSS will deduct the outstanding balance of the consolidated loan from the short-term benefits (sickness, maternity, or partial disability benefit claims) and final benefits (permanent total disability, death, retirement), as authorized by the Social Security Commission (SSC).

The SSS chief added that the outstanding balance of the consolidated loan can also be deducted from the death benefit of the members’ beneficiaries or deduct it from the actual final benefit claims.

“We want to collect the past-due loans from our members. However, we also recognize that the pandemic has greatly affected the livelihood of many of them. At this point, they might already be able to pay their loan obligations. Hence, we designed this consolidated program to help them settle their loan obligations by condoning the penalties and offering flexible payment terms,” Regino concluded.

Members may submit their application for the consolidated loan program online through their My.SSS account.


Thursday, October 6, 2022

Vietnam’s Claims and How it is a Threat to the Philippines


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Vietnam might just become the next China.

That is, when it comes to territorial disputes and claims in the West Philippine Sea. This hotspot is a heavily contested region that features heavy trade traffic between shipping and logistical lanes. Furthermore, there is some speculation that the continental shelf beneath the sea contains huge amounts of crude oil, which can bolster the economy of the nation-state that taps into them first. It is, without a doubt, a ticking time bomb that constitutes some of the ingredients for boiled territorial disputes.


The West Philippine Sea Dilemma

Indeed, border and delimitation disputes are a thing in the West Philippine Sea. The Spratly Islands itself consist of at least 56 major islands/islets. Brunei claims one, Taiwan claims two, Malaysia claims six, China claims seven, the Philippines claims 11, and Vietnam claims a staggering 29 of these features. The Spratlys are only one of the island groups in the region that’s disputed; there are also the Natunas and Paracels.

Another complication about these claims is that they’re not entirely collected in one area. These claims are randomly scattered across the West Philippine Sea, overlapping with other countries’ claims. 

Therefore, it is a chaotic “bundle of mess” that doesn’t have defined boundaries that are causing the decades-long dispute in the region.


Delimitation between ASEAN States and Vietnam’s Greed

In light of this, border delimitation talks between ASEAN countries have been ongoing to “organize” and sort out the confusion brought about by these disputes. Vietnam and Indonesia have been doing this for a long time, as well as Malaysia, Brunei, Singapore, and the Philippines.

The Exclusive Economic Zone delimitation talks between Indonesia and Vietnam started in the early 2000s. This series of talks followed agreement after agreement on whose feature is whose. However, it is worth noting that the recent EEZ delimitation talks between the Republic of Indonesia and the Socialist Republic of Vietnam last July 14 to 16, 2022 put the former at a disadvantage. 

According to Indonesia’s DPW-KPS (Regional Executive Board of the Prosperous Justice Party), Vietnam will take at least 65% more territorial waters than Indonesia following the deal.

This is despite Vietnam having the most claimed features in the West Philippine Sea among ASEAN states.


PH Delimitation Strategy with Indonesia Key to Resolving Disputes?

Recently, Philippine President Ferdinand “Bongbong” Marcos, Jr. said its delimitation strategy with Indonesia may be the best template for establishing the regional border disputes among

ASEAN nations. While the entire strategy itself isn’t revealed to the public due to matters of national security, President Marcos said that it is “worthwhile to explore at the very least” since it was one instance where both countries came to both conclusion and resolution.

This type of delimitation strategy, President Marcos says, can be used when dealing with border disputes with other countries such as Vietnam and China.


Backgrounder: The United Nations Convention on the Law of the Sea

To further understand the factors at play, the United Nations Convention on the Law of the Sea establishes a legal framework for maritime laws of all nation states and parties concerned.

According to the convention, a country’s territorial sea should stretch 12 nautical miles from the baseline of its coast. After that, the country’s Exclusive Economic Zone (EEZ) should stretch 200 nautical miles from the edge of its territorial sea.

Both the Philippines and China are signatories of the said treaty, to which they have exclusive economic rights 200 nautical miles from the said 12-nautical-mile territorial sea. The latter currently claims around 80% of the West Philippine Sea due to its “historical” nine-dash line.

However, neighboring countries have rejected this claim. The culmination of this rejection came with the legal victory of the Philippines against China, stating that the latter is obliged to follow the United Nations Convention on the Law of the Sea (UNCLOS) rather than its historical claims.


Importance of Delimitation Treaties

To make territories more defined when EEZs overlap with one another, delimitation treaties are created to superimpose a proper border between two countries.

This reflects the importance of delimitation agreements and/or treaties, but that is not merely the point. Vietnam’s claims in the Spratly Island Group are far from the 200-kilometer EEZ of the said country.

Therefore, they technically don’t have the backing of the United Nations with their claims in the disputed islands. Vietnam is roughly 1,400 kilometers away from the Philippines, with their claimed islands somewhere in the middle at 700 to 1,000 kilometers away from their mainland.


Vietnam’s “Historical” Claims

Since Vietnam and the Philippines are both signatories of the UNCLOS, both countries should follow the “law of the sea” rather than historical claims. Vietnam asserts its claims in both the Paracel and Spratly Islands because of historical records that prove the country’s occupation of the islands that stretch to the 17th century.

However, the Law on the Convention of the Sea states that historical claims should not be the basis anymore for formal border delimitation implementation. This is the same reason that China is trying to impose to no lawful avail.

It would seem that the dispute between Vietnam and Indonesia was not as fair as it was between the Philippines and the Republic of Indonesia.

To add to this case, Vietnam has a long history of aggressive expansion, going as far as occupying parts of Laos and Cambodia during and after the Vietnam War, and clashing with China when things didn’t go their way despite being friends from the start.


The Threat of Vietnam against the Philippines

And so, this highlights another threat over the horizon: will the Philippines be at odds with Vietnam? As mentioned earlier, Vietnam is currently claiming 29 features in the Spratly Group of Islands, while the Philippines only lays claim to 11 of these islands and islets. The claimed territories of Vietnam often overlap with the Philippine claims. In a nutshell, some of their claimed islands are too close for comfort to Filipino-claimed islands.

If ever there are border delimitation talks, will Vietnam play fair and square? How is there an assurance that they won’t do to the Philippines what they did with Indonesia?

The answer is UNCLOS.


However, this raises another issue: the incapacity and incapability of the United Nations to police this convention on the law of the sea. If it was properly policed, then there would be no disputes in this region. China would go back to their rightful territories and everything would be organized in neat, old-fashioned borders that are 200 nautical miles from the edge of each country’s territorial waters.

Of course, we know that’s not happening. Logically speaking, they have legitimate claims in the Paracel Islands, but not in the Spratlys.

Now, we go back to the beginning of this article; can Vietnam become the next China when itcomes to island and land grabbing in the West Philippine Sea? Possibly. However, certain factors such as the UNCLOS and the face of a greater threat in the personification of China may just unite these two ASEAN countries against a common threat, arriving at a peaceful resolution to the dispute in these islands.

Vietnam’s aggressive claims in the Spratly Islands need to stop. They claimed far too many islets outside of their Exclusive Economic Zone. Their government should give back these islets to their rightful owners according to the UNCLOS so that they may not be sanctioned and frowned upon by the international community.

Vietnam should follow the law and not become like China in terms of aggressiveness in the Spratly Group of Islands. If they do, they might just find themselves in the crosshairs of multiple ASEAN states. Indonesia’s doing enough to combat intruders into their Natuna Group of Islands, whether these are Vietnamese or Chinese boats. Perhaps a similar engagement may happen in the Spratlys, but tensions in the area may just put everyone on the brink of war, so probably not.

In the end, we can’t tell how big of a threat everyone is to each other. That’s just how geopolitics work.

As for the question if Vietnam is a threat to the Philippines: lawfully, no, but if they follow the footsteps of China, they may just find themselves toe-to-toe with stationed Filipino Marines in the Kalayaan Group of Islands. After all, the Philippines has the backing of the United Nations following its ruling against China last 2016.

Wednesday, October 5, 2022

PH Post Office releases National Teachers’ Month 2022 commemorative stamps


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The Philippine Postal Corporation (Post Office) issues stamps and official first day covers for National Teachers’ Month (NTM) 2022 on October 5, 2022, with the theme, “Gurong Pilipino: Dangal ng Sambayanang Pilipino”.

“In coordination with the Department of Education (DepEd) and the Metrobank Foundation, Inc., the Post Office attractively design stamps to honor the hard work, sacrifices and dedication of our Teachers in molding the society”, Postmaster General Norman Fulgencio said.

Every fifth day of October is designated as National Teachers’ Day pursuant to Republic Act No. 10743. This is also the culminating activity for National Teachers’ Month, when all teachers are praised and celebrated.

The stamp design focuses on Filipino teachers, who in the illustration symbolizes the nurturing figure towards her student in protective embrace and guidance. The teacher’s face represents the sun in the Philippine flag, which illuminates the path towards a bright future.

Teachers not only educate in the academic sense – they are also dignified beacons of imitable, good morals. The serene image of the teacher in the design also represents the common attribute of teachers being a source of refuge for students. The National Teachers’ Month logo appears prominently on the stamp design.

Post Office In-house stamp designer Agnes C. Rarangol did the layout of the stamps.



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