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The ANALYST, CSPC, Nabua (2026)

04/06/2026

𝗜𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻 𝘀𝗲𝗲𝗻 𝗿𝗶𝘀𝗶𝗻𝗴 𝗮𝗯𝗼𝘃𝗲 𝟖% 𝗶𝗻 𝗠𝗮𝘆, 𝗲𝘅𝗰𝗲𝗲𝗱𝗶𝗻𝗴 𝗰𝗲𝗻𝘁𝗿𝗮𝗹 𝗯𝗮𝗻𝗸 𝘁𝗮𝗿𝗴𝗲𝘁𝘀

‎Due to persistent price pressures linked to the conflict in the Middle East, Philippine inflation may have risen above 8 percent in May 2026, according to forecasts from three global banks, including MUFG Global Markets Research, Deutsche Bank, and DBS Bank. The projected increase would exceed the Bangko Sentral ng Pilipinas (BSP) forecast range of 7.1 percent to 7.9 percent and remain well above its target range of 2 percent to 4 percent, potentially marking a new three-year high.
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Economists said that the rise in inflation was mainly caused by higher electricity rates, rising food prices, and the end of price freezes on basic goods. Moreover, weather-related disruptions in food production and ongoing global economic uncertainty continue to push consumer prices higher.
‎
‎The expected rise in inflation may urge the BSP to raise interest rates further to maintain price stability and manage inflation. While higher interest rates can help slow down the increase in prices, they may also make borrowing more expensive for households and businesses. Still, economists emphasize that managing inflation is important in protecting consumers’ purchasing power and supporting long-term economic stability in the Philippines.
‎
‎Source: Inquirer.Net & Manila Bulletin

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘏𝘺𝘢𝘤𝘪𝘯𝘵𝘩 𝘙𝘰𝘴𝘢𝘭𝘦𝘴
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘓𝘰𝘷𝘦𝘭𝘺 𝘋𝘦 𝘓𝘪𝘮𝘢

03/06/2026

𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗶𝗻 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽: 𝗕𝗦𝗕𝗔-𝗙𝗠 𝘀𝗲𝗰𝘂𝗿𝗲𝘀 𝗳𝗶𝘃𝗲 𝗸𝗲𝘆 𝗖𝗧𝗛𝗕𝗠-𝗦𝗖 𝗽𝗼𝘀𝗶𝘁𝗶𝗼𝗻𝘀

The CTHBM-SC Halalan 2026 has officially concluded with a new set of Student Council Officers elected for Academic Year 2026–2027. Most of those elected are incoming Level III BSBA-Financial Management students who showed strong determination and commitment to serving the student body, highlighting the program’s leading presence in the council.

Kurt Olleres, a former CTHBM-SC Assistant Financial Officer, secured the position of Governor after garnering a total votes of 1,433, marking a shift from a supporting role to the council’s highest position. Olleres described his win as overwhelming but also expressed gratitude for being given another opportunity to serve and lead the students. Even before his candidacy, he said that he already had clear plans for the council, particularly in strengthening its visibility and engagement with the student body, “one of my priorities is to make the Student Council more active and visible through programs and events that will benefit the student body. I also want to build a better working environment and strengthen the collaboration within CTHBM,” he said. Importantly, he promised to be one hundred percent committed to serving the CTHBM community with integrity, transparency, and accountability, together with his newly elected officers.

Further, Romel Bitara, a former CTHBM-SC, BSBA-FM Board Member was elected Vice-Governor for Internal Affairs after receiving 1,395 votes. Running unopposed, Bitara called the victory as both an honor and a growing responsibility. He acknowledged that transitioning from only representing the BSBA-FM program to serving the entire college carries greater expectations and accountability. In addition, he plans to implement Project Silyab, a leadership training initiative aimed at developing future student leaders within CTHBM. “Our goal is to develop great leaders not just for this upcoming academic year, but for the future, ensuring that CTHBM will always be in good hands,” he said. Through this initiative, he hopes that leadership and service continue to grow within the college.

Meanwhile, Monica Abing, who is currently the Executive Secretary of the JFINEX-CSPC Chapter won the same position with the total votes of 1,354. From her experience in JFINEX-CSPC Chapter, Abing said the skills and values she developed through the organization will help her fulfill her responsibilities as Executive Secretary. She emphasized that leadership is rooted in service rather than recognition. “I am not here just for the title, credentials, or personal gain, but because I have a sincere heart to truly serve the student body,” she said. She also added that, with her commitment to continuous growth, she aims to make her term productive, meaningful, and beneficial for the student body.

Moreover, Exequiel Paraguison, another JFINEX-CSPC Chapter officer and the current Chief Operations Officer for External Affairs, secured the Executive Financial Officer position with 1,305 votes. For Paraguison, leadership comes with the responsibility of maintaining the trust of the students. As he takes on the role of Executive Financial Officer, he plans to prioritize transparency in the council’s financial management and decision-making processes. “I want to assure every student that each peso from their membership fees will be handled with integrity, accountability, and purpose,” he said. Notably, through his proposed FinRePost initiative, he seeks to make financial reports more accessible to students and promote clear and direct reporting in the use of council resources.

Completing the set of officers from the BSBA-FM program, Joana Herrera was elected Auditor after earning 1,364 votes. Herrera admitted that she was initially hesitant about taking on a major leadership role, but eventually saw it as an opportunity for personal growth and meaningful service to the student body. “I questioned whether I was truly ready to take on such a big responsibility, but I see it as a chance to grow, step up, and genuinely serve the students and the organization,” she said. As Auditor, she plans to focus on strengthening financial discipline within the council by promoting organized documentation, timely liquidation, and proper submission of financial records to ensure transparency and accountability. Ultimately, she hopes to contribute to a council that CTHBM students can trust and rely on.

All newly elected officers for A.Y 2026-2027 ran under the Buklod Party slate, which secured all positions in the CTHBM-SC Halalan 2026.

𝐆𝐨𝐯𝐞𝐫𝐧𝐨𝐫
Kurt Olleres

𝐕𝐢𝐜𝐞 𝐆𝐨𝐯𝐞𝐫𝐧𝐨𝐫 𝐟𝐨𝐫 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐥 𝐀𝐟𝐟𝐚𝐢𝐫𝐬
Romel Bitara

𝐕𝐢𝐜𝐞 𝐆𝐨𝐯𝐞𝐫𝐧𝐨𝐫 𝐟𝐨𝐫 𝐄𝐱𝐭𝐞𝐫𝐧𝐚𝐥 𝐀𝐟𝐟𝐚𝐢𝐫𝐬
Ken Jonathan Felices

𝐄𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞 𝐒𝐞𝐜𝐫𝐞𝐭𝐚𝐫𝐲
Monica Abing

𝐄𝐱𝐞𝐜𝐮𝐭𝐢𝐯𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐎𝐟𝐟𝐢𝐜𝐞𝐫
Exequiel Paraguison

𝐀𝐮𝐝𝐢𝐭𝐨𝐫
Joanna Mae Herrera

𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐌𝐚𝐧𝐚𝐠𝐞𝐫 𝟏
Julius Clyde Follosco

𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐌𝐚𝐧𝐚𝐠𝐞𝐫 𝟐
Joshua Earl Sazon

𝐃𝐞𝐩𝐮𝐭𝐲 𝐨𝐟 𝐄𝐭𝐡𝐢𝐜𝐚𝐥 𝐒𝐭𝐚𝐧𝐝𝐚𝐫𝐝𝐬 𝐎𝐟𝐟𝐢𝐜𝐞𝐫
Ma. Luisa Galvez

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘰𝘴𝘦𝘱𝘩 𝘚𝘦ñ𝘢𝘳
𝘊𝘰𝘱𝘺𝘳𝘦𝘢𝘥 𝘣𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭 𝘙𝘦𝘰𝘭𝘰, 𝘑𝘩𝘢𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭𝘭𝘦 𝘗𝘪𝘭𝘪
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘓𝘰𝘷𝘦𝘭𝘺 𝘋𝘦 𝘓𝘪𝘮𝘢

02/06/2026

𝗧𝗲𝗹𝗹 𝗧𝗵𝗲𝗔𝗡𝗔𝗟𝗬𝗦𝗧 | 𝗪𝗵𝗲𝗻 𝗯𝘂𝘆𝗶𝗻𝗴 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴, 𝘄𝗵𝗮𝘁 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗺𝗮𝗶𝗻 𝘁𝗵𝗼𝘂𝗴𝗵𝘁?

In a recent Initial Public Opinion (IPO) survey conducted by TheANALYST, 94 out of 262 BSBA-FM students of Camarines Sur Polytechnic Colleges shared their thoughts on what comes to mind first when buying something. Many first consider whether a purchase is necessary and whether it is worth the cost. The survey shows that students are becoming more aware of their spending habits and are trying to make better financial decisions.

𝟓𝟕.𝟒% 𝘀𝗮𝘆 “𝗗𝗼 𝗜 𝗻𝗲𝗲𝗱 𝘁𝗵𝗶𝘀?”
The majority of respondents indicated that their first thought before buying something is whether they truly need it. This shows that many people prioritize necessities over wants and try to avoid unnecessary spending. According to financial education resources from the Consumer Financial Protection Bureau (CFPB), understanding the difference between needs and wants is an important part of managing money wisely. This habit can help people stay within their budget and make responsible financial decisions.

𝟑𝟕.𝟐% 𝘀𝗮𝘆 “𝗜𝘀 𝘁𝗵𝗶𝘀 𝘄𝗼𝗿𝘁𝗵 𝗶𝘁?”
A large number of respondents shared that they think about whether a product is worth its price before making a purchase. This suggests that they consider the value, quality, and usefulness of an item before spending their money. According to Investopedia, evaluating the value of a product before purchasing it can help consumers make informed spending decisions and get the most value from their money. Considering a product’s usefulness and long-term benefits can also help avoid unnecessary spending.

𝟒.𝟑% 𝘀𝗮𝘆 “𝗜 𝗿𝗲𝗮𝗹𝗹𝘆 𝘄𝗮𝗻𝘁 𝘁𝗵𝗶𝘀.”
A small percentage of respondents admitted that their desire for an item is their main reason for buying it. While it is normal to buy things we want, the Organisation for Economic Co-operation and Development (OECD) emphasizes the importance of financial literacy in helping individuals make balanced and informed financial decisions. Balancing wants with financial priorities can help develop better spending habits and improve financial stability.

𝟏.𝟏% 𝘀𝗮𝘆 “𝗜'𝗹𝗹 𝗷𝘂𝘀𝘁 𝗯𝘂𝘆 𝗶𝘁.”
Only a few respondents indicated that they would buy something without much thought. This suggests that impulsive buying is not common among the surveyed group. According to financial education materials from the Bangko Sentral ng Pilipinas (BSP), responsible spending and careful financial planning can help individuals avoid overspending and better manage their finances.

The survey results show that most respondents think carefully before buying something. Whether they consider if they need the item, if it is worth the price, or if they simply want it, many respondents show responsible spending habits. These findings highlight the importance of being aware of how money is spent, especially among young people who are still learning how to manage their finances wisely. How about you? When buying something, what is the first thing that comes to your mind?

Sources: Consumer Financial Protection Bureau (CFPB), Bangko Sentral ng Pilipinas (BSP), Organisation for Economic Co-operation and Development (OECD), and Investopedia

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘍𝘳𝘢𝘯𝘤𝘪𝘯𝘦 𝘑𝘢𝘯𝘦 𝘚𝘦𝘷𝘢
𝘚𝘔𝘗 𝘣𝘺 𝘓𝘦𝘢𝘩 𝘈𝘳𝘮𝘪𝘭𝘭𝘰𝘴

01/06/2026

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪

The Miting De Avance for Abrasahan 2026 is currently underway via Google Meet, where candidates vying for key positions in the ABBS-CSPC Chapter election are presenting their platforms, advocacies, and commitments before the student body of CTHBM.

The event serves as an avenue for students to learn more about the candidates and their respective visions for the organization.

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭 𝘙𝘦𝘰𝘭𝘰

01/06/2026

𝗕𝗥𝗘𝗔𝗞𝗜𝗡𝗚 𝗡𝗘𝗪𝗦 | (𝗨𝗦𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗘𝗨𝗥) 𝗘𝘂𝗿𝗼, (𝗝𝗣𝗬) 𝗬𝗲𝗻, (𝗦𝗚𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗦𝗔𝗥) 𝗥𝗶𝘆𝗮𝗹, (𝗔𝗘𝗗) 𝗗𝗶𝗿𝗵𝗮𝗺, (𝗛𝗞𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗖𝗔𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, (𝗔𝗨𝗗) 𝗗𝗼𝗹𝗹𝗮𝗿, 𝗮𝗻𝗱 (𝗞𝗥𝗪) 𝗪𝗼𝗻 𝘁𝗼 𝗣𝗲𝘀𝗼 𝗘𝘅𝗰𝗵𝗮𝗻𝗴𝗲 𝗥𝗮𝘁𝗲 𝗨𝗽𝗱𝗮𝘁𝗲

As of May 29, 2026, data from the Bangko Sentral ng Pilipinas (BSP) show that the Philippine Peso remains weaker against major currencies including the Euro, US Dollar, and Singapore Dollar. Among the currencies listed, the Japanese Yen and Korean Won continue to have the lowest peso conversion values.

1 EUR = 71.8392 PHP
1 USD = 61.6540 PHP
1 SGD = 48.3447 PHP
1 CAD = 44.7287 PHP
1 AUD = 44.1566 PHP
1 AED = 16.7857 PHP
1 SAR = 16.4297 PHP
1 HKD = 7.8703 PHP
1 JPY = 0.3872 PHP
1 KRW = 0.0412 PHP

𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗲𝘃𝗲𝗿 𝘄𝗼𝗻𝗱𝗲𝗿𝗲𝗱 𝘄𝗵𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗯𝗼𝗿𝗿𝗼𝘄 𝗺𝗼𝗻𝗲𝘆 𝗲𝘃𝗲𝗻 𝘄𝗵𝗲𝗻 𝘁𝗵𝗲𝘆 𝗮𝗹𝗿𝗲𝗮𝗱𝘆 𝗵𝗮𝘃𝗲 𝗰𝗮𝘀𝗵?

Many companies borrow money not because they lack cash, but because it can be a smarter financial strategy. By using debt to fund expansion, new projects, or investments, businesses can preserve their cash reserves and potentially earn returns that exceed the cost of borrowing. Borrowing money isn’t always a sign of financial trouble, it can be a strategic tool for growth and wealth creation when used wisely. Moreover, it can also be a good sign that the company is trusted by lenders, since banks and investors are generally more willing to lend to businesses they believe can meet obligations and continue to grow.

Sources: Bangko Sentral ng Pilipinas, FMPM 1, Investopedia

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘙𝘰𝘴𝘢𝘳𝘺 𝘍𝘢𝘺𝘦 𝘈𝘳𝘨𝘢𝘳𝘪𝘯
𝘚𝘔𝘗 𝘣𝘺 𝘓𝘰𝘷𝘦𝘭𝘺 𝘋𝘦 𝘓𝘪𝘮𝘢

31/05/2026

𝗝𝗙𝗜𝗡𝗘𝗫-𝗖𝗦𝗣𝗖 𝗰𝗼𝗻𝗾𝘂𝗲𝗿𝘀 𝗝𝗖𝗙𝗔𝗣𝗹𝘆𝗺𝗽𝗶𝗰𝘀 𝟐𝟎𝟐𝟔, 𝘀𝘄𝗲𝗲𝗽𝘀 𝗺𝘂𝗹𝘁𝗶𝗽𝗹𝗲 𝗮𝘄𝗮𝗿𝗱𝘀

The Junior Financial Executives - CSPC Chapter earned multiple awards and recognitions during the JCFAPlympics 2026, including top finishes in academic and non-academic competitions and the recognition of Camarines Sur Polytechnic Colleges as the “𝐌𝐨𝐬𝐭 𝐏𝐚𝐫𝐭𝐢𝐜𝐢𝐩𝐚𝐭𝐢𝐯𝐞 𝐒𝐜𝐡𝐨𝐨𝐥.”

Organized by the JCFAP-South Luzon Chapter, the JCFAPlympics 2026 carried the theme, “The Grandmaster’s Play: Think Ahead. Compete With Purpose. Win With Vision.” The event gathered Financial Management students from various institutions across the cluster to compete in contests designed to test their academic knowledge, creativity, teamwork, and leadership. Representing Camarines Sur Polytechnic Colleges, BSBA Financial Management students participated in several competitions throughout the event.

The awards and recognitions were presented during the closing ceremony of the event, marking the JFINEX-CSPC Chapter’s second participation in the competition. The awards and recognitions received by the delegates and the chapter are as follows:

𝐒𝐩𝐞𝐜𝐢𝐚𝐥 𝐑𝐞𝐜𝐨𝐠𝐧𝐢𝐭𝐢𝐨𝐧
Most Participative School: Camarines Sur Polytechnic Colleges

𝐄𝐬𝐬𝐚𝐲 𝐖𝐫𝐢𝐭𝐢𝐧𝐠 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧
Champion: Joseph Señar
1st Runner-Up: Jhay Gabrielle Pili

𝐏𝐡𝐨𝐭𝐨 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧
Champion: Jessa Bella Y. Yuga
Participant: Nico N. Orosco

𝐔𝐥𝐭𝐢𝐦𝐚𝐭𝐞 𝐌𝐋𝐁𝐁 𝐒𝐡𝐨𝐰𝐝𝐨𝐰𝐧
1st Runner-Up, JCFAPUCINNO Assassins:
• Kervin Buere
• Charls Ghodwyn Dela Cruz
• Clint Joffre Lanuzo
• Kurt Daniel Nueca
• Francis Gavyowne Portem
• RJ Patrick Sernal

2nd Runner-Up, FYNX:
• Boy Rey Barbonio
• Yvan Alliesther Caringan
• Aaron Chester Patungan
• John Raymund Privaldos
• Gabriel Reolo Jr.
• Vince Merwin Tapan

Participants, RNS Dragonoids:
Paul John Lastimoso
Michael Orbita Jr.

𝐐𝐮𝐢𝐳 𝐁𝐞𝐞 𝐂𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐨𝐧
Participants:
• Jessica Jasmin Bueno
• Christian Sumalabe
• Paloma Mae Agapito
• Ivan Lester Catimbang
• Kurt Olleres
• Jasmin Huerno
• Cherry Rose Llagas
• Marc Artzhie Sanorjo

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘙𝘰𝘴𝘢𝘳𝘺 𝘍𝘢𝘺𝘦 𝘈𝘳𝘨𝘢𝘳𝘪𝘯
𝘊𝘰𝘱𝘺𝘳𝘦𝘢𝘥 𝘣𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭 𝘙𝘦𝘰𝘭𝘰, 𝘑𝘩𝘢𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭𝘭𝘦 𝘗𝘪𝘭𝘪
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘈𝘯𝘨𝘦𝘭 𝘛𝘦𝘧𝘧𝘢𝘯𝘺 𝘑𝘰𝘺 𝘗𝘦𝘥𝘳𝘰

30/05/2026

𝗝𝗙𝗜𝗡𝗘𝗫-𝗖𝗦𝗣𝗖 𝗖𝗵𝗮𝗽𝘁𝗲𝗿 𝗲𝗮𝗿𝗻𝘀 𝗻𝗼𝗺𝗶𝗻𝗮𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝗢𝗥𝗚𝗢𝗟𝗬𝗢 𝟐𝟎𝟐𝟔

Continuing its pursuit of excellence and impactful leadership, the Junior Financial Executives-CSPC Chapter (JFINEX) has once again garnered multiple nominations for ORGOLYO 2026: Gala of Exemplary Leaders, an annual celebration organized by the CSPC Supreme Student Council to honor outstanding student leaders and organizations of Camarines Sur Polytechnic Colleges (CSPC) for their commitment to leadership, active participation in campus initiatives, and outstanding contribution to excellence, service and community empowerment.

The JFINEX-CSPC Chapter, the premier student organization of the BSBA major in Financial Management program, secured nominations under the 𝐌𝐨𝐬𝐭 𝐀𝐜𝐭𝐢𝐯𝐞 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 and 𝐌𝐨𝐬𝐭 𝐒𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞 𝐒𝐭𝐮𝐝𝐞𝐧𝐭 𝐀𝐜𝐭𝐢𝐯𝐢𝐭𝐢𝐞𝐬 categories for three of its major initiatives.

• Junior Financial Executives-CSPC Chapter - 𝐍𝐨𝐦𝐢𝐧𝐞𝐞 𝐟𝐨𝐫 𝐌𝐨𝐬𝐭 𝐀𝐜𝐭𝐢𝐯𝐞 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧 (𝐀𝐜𝐚𝐝𝐞𝐦𝐢𝐜)

• Project PAGASA (Person Aspiring Growth, Advancing Skills and Aspiration) – Financial Literacy for Livelihood and Life Skills - 𝐍𝐨𝐦𝐢𝐧𝐞𝐞 𝐟𝐨𝐫 𝐁𝐞𝐬𝐭 𝐢𝐧 𝐏𝐨𝐯𝐞𝐫𝐭𝐲 𝐀𝐥𝐥𝐞𝐯𝐢𝐚𝐭𝐢𝐨𝐧

• 2nd JFINEX – CSPC Finance Convention - 𝐍𝐨𝐦𝐢𝐧𝐞𝐞 𝐟𝐨𝐫 𝐁𝐞𝐬𝐭 𝐀𝐜𝐚𝐝𝐞𝐦𝐢𝐜 𝐑𝐞𝐥𝐚𝐭𝐞𝐝 𝐀𝐜𝐭𝐢𝐯𝐢𝐭𝐲

• Gift Galore Year 3: A Joyous Celebration of Giving - 𝐍𝐨𝐦𝐢𝐧𝐞𝐞 𝐟𝐨𝐫 𝐁𝐞𝐬𝐭 𝐄𝐱𝐭𝐞𝐧𝐬𝐢𝐨𝐧 𝐀𝐜𝐭𝐢𝐯𝐢𝐭𝐲

In a statement, Hon. RJ Patrick Sernal, CEO of JFINEX-CSPC Chapter, emphasized that the organization’s multiple nominations in ORGOLYO 2026 reflects the collective efforts and commitment of their organization in delivering meaningful and impactful initiatives for the BSBA-FM community, as well as to various stakeholders of CSPC.

“The multiple nominations received by the JFINEX-CSPC Chapter for ORGOLYO 2026 mark a significant milestone for the organization. These recognitions serve as tangible proof that our mission is being successfully realized through initiatives that foster holistic student development. Above all, these honors validate our collective dedication to providing meaningful opportunities that deliver lasting value not only to the BSBA-FM community but also to various internal and external stakeholders of CSPC,” he said.

As JFINEX-CSPC Chapter continues to gain recognition, the organization remains steadfast in upholding its commitment to excellence, leadership, and service to empower students and create meaningful impact within and beyond the CSPC community.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘙𝘦𝘤𝘩𝘪𝘦 𝘉𝘢𝘴𝘢𝘨𝘳𝘦
𝘊𝘰𝘱𝘺𝘳𝘦𝘢𝘥 𝘣𝘺 𝘊𝘩𝘦𝘳𝘳𝘺 𝘙𝘰𝘴𝘦 𝘓𝘭𝘢𝘨𝘢𝘴, 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰, 𝘑𝘩𝘢𝘺 𝘎𝘢𝘣𝘳𝘪𝘦𝘭𝘭𝘦 𝘗𝘪𝘭𝘪
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘓𝘦𝘢𝘩 𝘈𝘳𝘮𝘪𝘭𝘭𝘰𝘴

28/05/2026

𝗛𝗔𝗣𝗣𝗘𝗡𝗜𝗡𝗚 𝗡𝗢𝗪!

The long-awaited CSPC CTHBM - Student Council Halalan 2026 Online Interview is currently being held today, May 28, 2026, via live online broadcast. Among the panelists is Jhay Gabrielle Pili, an incoming third-year BSBA-FM student and Editor-in-Chief of TheANALYST.

This event is not only merely a requirement for securing votes, but it serves as a crucial platform for the student body to voice their concerns and assess the candidates' initiative, dedication, and commitment. As the election period fast approaches, students should continue to carefully evaluate the candidates they will vote for, choosing not those who seek recognition alone, but leaders who go beyond words and are committed to genuinely representing the student body. Notably, five incoming third-year BSBA-FM students: Kurt Olleres, Romel Bitara, Monica Abing, Exequiel Paraguison, and Joana Mae Herrera are participating as aspiring candidates vying for positions in the CTHBM Student Council for Academic Year 2026–2027.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘑𝘰𝘴𝘦𝘱𝘩 𝘚𝘦ñ𝘢𝘳

28/05/2026

𝗕𝗦𝗣 𝘀𝘁𝗿𝗲𝗻𝗴𝘁𝗵𝗲𝗻𝘀 𝗯𝗮𝗻𝗸 𝗰𝗮𝗽𝗶𝘁𝗮𝗹 𝗿𝘂𝗹𝗲𝘀 𝘁𝗼 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗲𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝘀𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆

The Bangko Sentral ng Pilipinas (BSP) has introduced a new policy to make banks more financially prepared during economic changes. On May 22, 2026, the BSP released Circular No. 1235, which requires banks to build extra capital even during normal or strong credit growth. The goal is to make sure banks can still lend money during economic downturns and financial stress.

Under the new framework, the BSP created the Countercyclical Capital Buffer (CCyB) with a “positive neutral rate.” This means banks will set aside more capital when the economy is stable or growing. When a crisis happens, the BSP can lower the requirement so banks can use this capital to continue lending.

This policy aims to strengthen the Philippine banking system and improve financial stability. It helps banks prepare in advance for possible recessions or economic shocks. The rule supports continuous lending and protects both businesses and consumers during difficult times.

Source: BSP, Daily Tribune, Inquirer.net

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘍𝘳𝘢𝘯𝘤𝘪𝘯𝘦 𝘑𝘢𝘯𝘦 𝘚𝘦𝘷𝘢
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘓𝘰𝘷𝘦𝘭𝘺 𝘋𝘦 𝘓𝘪𝘮𝘢

26/05/2026

𝗕𝗦𝗕𝗔-𝗙𝗠 𝗽𝗿𝗼𝗴𝗿𝗮𝗺 𝗰𝗵𝗮𝗶𝗿 𝗯𝗿𝗶𝗻𝗴𝘀 𝗙𝗶𝗹𝗶𝗽𝗶𝗻𝗼 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝘁𝗼 𝗜𝗻𝗱𝗼𝗻𝗲𝘀𝗶𝗮

International collaboration continues to widen the horizons of students and educators at Camarines Sur Polytechnic Colleges (CSPC) as the institution strengthens its academic partnership with Universitas Internasional Batam (UIB), Batam, Indonesia, through faculty exchange lectures and cross-border learning initiatives. For Roque Cruz II, MBA, Program Chair of CSPC Bachelor of Science in Business Administration major in Financial Management (BSBA-FM), serving as a visiting lecturer at UIB became more than just an academic engagement, it became an opportunity to share Filipino teaching practices while learning from another culture’s educational environment.

According to Cruz, the partnership between CSPC and UIB was primarily initiated through the efforts of Dr. Niño Martin Obrero, with the collaboration focusing mainly on the College of Tourism, Hospitality, and Business Management and UIB’s College of Business. Before the current faculty exchange setup, the partnership had already begun through student exchange opportunities and virtual lectures conducted between both institutions. These initiatives paved the way for stronger academic ties and opened new opportunities for both students and faculty members to experience international learning without leaving their classrooms.

Despite teaching students from another country, Cruz shared that the experience felt surprisingly familiar. He explained that Indonesian students showed the same level of participation, engagement, and enthusiasm commonly seen among Filipino learners. “Indonesian students, just like Filipinos, are bright students,” he remarked, noting that language was never a barrier during his lectures. Instead of experiencing culture shock, Cruz found comfort in the similarities between the two cultures while also appreciating the opportunity to introduce Filipino teaching styles to Indonesian students through interactive discussions, icebreakers, and gamified learning activities.

Last semester, Cruz handled Financial Management lectures for Management Accounting students at UIB, focusing on topics such as project appraisal and risk-specific discussions. For his upcoming lecture engagements, he revealed that he will be teaching Personal Finance, a subject he usually delivers through seminars and extension programs. This time, however, the topic will be taught in a classroom setting, allowing students not only to apply financial concepts personally but also to share this knowledge with others. For Cruz, finance education should extend beyond the classroom and empower students to become channels of financial literacy within their communities.

While the experience may not immediately alter the BSBA-FM curriculum at CSPC, Cruz emphasized that international collaborations significantly improve teaching delivery and classroom practices. By observing UIB’s best practices, he believes faculty members can continuously refine their own teaching approaches. He also highlighted the differences between the Philippine and Indonesian educational systems, particularly UIB’s flexibility in crafting specialized courses, something he noted is more limited in the Philippines due to standardized curriculum structures.

More than anything, Cruz hopes that initiatives like these remind students that quality education is not limited by geography. He emphasized that CSPC students are fortunate to experience international-standard learning opportunities despite studying in a local state college. According to him, these exchanges help both faculty and students raise their standards, adapt to global learning environments, and prepare for future international opportunities. As discussions continue regarding possible face-to-face exchanges in Indonesia, Cruz expressed optimism that more students may soon have the opportunity to participate directly in global academic experiences.

“Not all schools and not all programs are given the privilege to experience that. So, it’s really an advantage for the students,” Cruz said.

He also encouraged students to stay open to future international collaborations, assuring them that CSPC continues to expand its global partnerships. “Please expect more exchange faculty from other schools. We’ll try our best. We’ll make it happen,” he added.

“𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐢𝐧𝐠 𝐃𝐚𝐭𝐚-𝐃𝐫𝐢𝐯𝐞𝐧 𝐈𝐧𝐬𝐢𝐠𝐡𝐭𝐬”

𝘙𝘦𝘱𝘰𝘳𝘵 𝘣𝘺 𝘊𝘢𝘴𝘴𝘢𝘯𝘥𝘳𝘢 𝘑𝘪𝘭𝘭 𝘊𝘰𝘳𝘵𝘦𝘻
𝘊𝘰𝘱𝘺𝘳𝘦𝘢𝘥 𝘣𝘺 𝘑𝘢𝘴𝘮𝘪𝘯 𝘏𝘶𝘦𝘳𝘯𝘰
𝘓𝘢𝘺𝘰𝘶𝘵 𝘣𝘺 𝘈𝘯𝘨𝘦𝘭 𝘛𝘦𝘧𝘧𝘢𝘯𝘺 𝘑𝘰𝘺 𝘗𝘦𝘥𝘳𝘰, 𝘓𝘦𝘢𝘩 𝘈𝘳𝘮𝘪𝘭𝘭𝘰𝘴

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