BRIEF ON THE UNREMITTED CONTRIBUTIONS AND LOAN AMORTIZATIONS OF DEPED-ARMM
By Atty Jamar M. Kulayan, DepEd-ARMM Secretary
In the first week of the
current administration, Officer-in-Charge Regional Governor Mujiv S. Hataman
invited GSIS Trustee Mario J. Aguja and other GSIS officials for a conference
with the school heads. During that conference, Trustee Aguja revealed that the
burgeoning unpaid remittances and loan amortizations of DepEd-ARMM already
amounted to the tune of 1.7B, as follows:
1. UNREMITTED
CONTRIBUTIONS UNDER THE FIRST MOA IN 2004.
1. Period
covered -
July 1997 to December 31, 2003
2. Amount:
Principal
495,105,205.47
Interest 473,596,585.31
Total
968,701,790.78
After
reconciliation, the principal amount was reduced
to 450,963,264.03
3. Term of
payment
- 15 years
4. Interest
rate
- 12%
5. Funding
- Whatever source
2.
In FY 2006, Congress appropriated 250M for the payment but only 127M was
utilize by the DBM solely for the payment of principal. The remaining 123M
returned to the National Treasury.
3. Since
the MOA signing, only 301,936,481.00 (127M from the amount appropriated by
Congress and 174M from DepEd Savings in prior years) was paid. The last payment
under this MOA was in April 2009 because of the dispute on the application of
payments. DBM and DEPED-ARMM both wanted the payment to be applied to the
principal. However, GSIS applied the payment to both the principal and the interest
on the running balance, as follows:
|
Principal
|
Interest
|
Total
|
Reconciled Balance
|
450,963,264.03
|
473,596,585.31
|
924,559,849.34
|
Less payments
|
66,169,816.14
|
235,766,664.86
|
301,936,481.00
|
Running Balance
|
384,793,447.89
|
237,829,920.45
|
622,623,386.34
|
2. UNREMITTED
LOAN DEDUCTIONS for 17 months, e.g. October, November and December of
2001; November 2003; March, September, October, November and December 2004; and February, March, April, May, June, July,
August and September 2005.
Year
|
Principal
|
Interest
|
Total
|
2001
|
41,769,054.86
|
104,107,530.29
|
145,876,585.15
|
2002
|
15,932,724.95
|
32,081,312.63
|
48,014,037.58
|
2003
|
99,397,564.21
|
179,949,206.39
|
279,346,770.60
|
2004
|
152,755,168.17
|
251,256,050.18
|
404,011,218.35
|
Grand Total:
|
309,854,512.19
|
567,394,099.49
|
877,248,611.68
|
.
These figures do not include the loan deductions from DepEd Basilan
personnel for April 2003 to September 2003 that were not remitted to GSIS.
These figures are subject to reconciliation.
3. NON-MOA
ACCOUNT. - Aside from item number 1, the
contribution covering the period from January to March 2004 were both not paid
and not included in the MOA of 2004, amounting as follows:
|
Period Covered
|
Principal
|
Interest
|
Total
|
PS/GS
|
Jan. 2004 - Mar.
2004
|
64,712,281.20
|
126,256,284.59
|
190,968,565.79
|
Basilan
|
Jan. 2004 - Oct. 2005
|
|
16,771,415.85
|
16,771,415.85
|
Marawi
|
Jan. 2004 - June
2004
|
|
5,410,912.14
|
5,410,912.14
|
|
|
64,712,281.20
|
148,438,612.58
|
213,150,893.78
|
4. BASILAN AND MARAWI ACCOUNT FROM
REGIONS IX AND XII. - Aside
from DepEd-ARMM’s obligations, there are also contributions or loan
amortizations being collected from ARMM teachers who were previously under
DepEd-IX for Basilan personnel and DepEd XII for Marawi City personnel, as
follows:
|
Period
Covered
|
Principal
|
Interest
|
Total
|
Basilan
|
May 2003 -June 2004
|
9,940,765.67
|
30,200,420.27
|
40,141,185.94
|
Marawi City
|
Jan. 2003 - Dec. 2003
|
435,494.17
|
1,140,483.09
|
1,575,977.26
|
|
|
10,376,259.84
|
31,340,903.36
|
41,717,163.20
|
5. Thus, the TOTAL
AMOUNTbeing collected from DepEd-ARMM is now as follows:
MOA
|
622,623,386.34
|
NON-MOA
|
213,150,893.78
|
LOAN AMORTIZATIONS
|
877,248,611.68
|
BASILAN (DepEd IX)
|
40,141,185.94
|
MARAWI (DepEd XII)
|
1,575,977.26
|
|
1,754,740,055.00
|
6. PENALTY
FOR DELAYED PAYMENTS BY DBM. - As agreed upon in the first MOA
between GSIS and DEPED-ARMM, it is DBM who will remit to the GSIS the
contributions, both government and personal share, of the teachers of
DepEd-ARMM. However, there are instances when DBM incurs delay in remitting the
contributions for which GSIS imposed penalty. Thus, aside from interests, we
also owe them:
Period
of Delay
|
Penalty
|
April 2004 to Sept. 2011
|
160,391,188.56
|
7. ACTIONS TAKEN BY
PRESENT ADMINISTRATIONS. - The present administration already
entered into three (3) separates MOA with GSIS. The First MOA was for the Service Record Updatingso that billings from
GSIS will be accurate and excess payments made by DepEd-ARMM in the previous
years may be applied as payment to the total amount due from DepEd-ARMM. The Second MOA was for the payment of the
Basilan Account under Item No. 3. The Third
MOA was the settlement of theMarawi Account under Item No. 3.
8. UNPAID
PAGIBIG CONTRIBUTIONS AND AMORTIZATIONS. - Aside from these unpaid GSIS
contributions and loan amortizations, Home Development Mutual Fund recently
wrote DepEd-ARMM for the collection of around 243M, viz:
PERIOD
|
PREMIUMS
|
LOAN AMORTIZATIONS
|
PENALTY
|
TOTAL
|
GOV’T.
|
PERSONAL
|
SUBTOTAL
|
PREMIUMS
|
AMORTIZATIONS
|
SUB-TOTAL
|
OCT-DEC’01
|
121,600.00
|
5,365,000.00
|
5,486,600.00
|
26,480,598.27
|
21,104,976.00
|
12,425,950.59
|
33,530,026.59
|
65,497,224.86
|
OCT-
DEC’02
|
|
430,800.00
|
430,800.00
|
|
1,499,184.00
|
|
1,499,184.00
|
1,929,984.00
|
JAN-
SEP’03
|
|
1,292,400.00
|
1,292,400.00
|
|
4,264,920.00
|
|
4,264,920.00
|
5,557,320.00
|
SEP
DEC’04
|
542,400.00
|
8,245,700.00
|
8,788,100.00
|
24,282,657.46
|
24,362,559.00
|
11,229,494.71
|
35,592,053.71
|
68,662,811.17
|
JAN
NOV’05
|
1,904,000.00
|
12,502,400.00
|
14,406,400.00
|
33,452,704.30
|
36,517,008.00
|
14,198,249.06
|
50,715,257.06
|
98,574,361.36
|
JAN
NOV’06
|
1,145,000.00
|
|
1,145,000.00
|
|
2,465,238.00
|
|
2,465,238.00
|
3,610,238.00
|
G.
TOTAL
|
3,713,000.00
|
27,836,300.00
|
31,549,300.00
|
84,215,960.03
|
90,212,985.00
|
37,853,694.36
|
128,066,679.36
|
243,831,939.39
|
9. UNPAID
PPSTA CONTRIBUTION AND AMORTIZATIONS. - The
Philippine Public School Teachers
Association (PPSTA) is also collecting 31M from DepEd-ARMM.
UNREMITTED LOAN PAYMENT
|
APR-DEC.’03
|
JAN-JUL’04
|
JAN-SEP’05
|
TOTAL
|
BASILAN
|
1,193,222.94
|
1,084,366.39
|
182,305.56
|
2,459,894.89
|
MARAWI
|
4,981,529.24
|
617,800.55
|
682,343.01
|
6,281,672.80
|
OTHER DIVISIONS
|
|
|
23,190,563.92
|
23,190,563.92
|
|
6,174,752.18
|
1,702,166.94
|
24,055,212.49
|
31,932,131.61
|
10. GRAND
TOTAL:
MOA
|
622,623,386.34
|
NON-MOA
|
213,150,893.78
|
LOAN AMORTIZATIONS
|
877,248,611.68
|
PENALTY (due to late payments made by DBM)
|
160,391,188.56
|
HDMF
|
243,831,939.39
|
PPSTA
|
31,932,131.61
|
GRAND
TOTAL
|
2,149,178,151.36
|
|
|
Out
of the grand total of 2.1B, the amount of 1.2B refers to penalty and interest
alone.
11. RECOMMENDATIONS:
These figures
are already beyond our capacity to pay. Aside from these amounts, we are still
trying to solve the unclaimed backwages, salary differentials and adjustments
of our teachers. Thus, we respectfully pray that immediate actions be
undertaken by Congress, GSIS and DBM to help us solve these problems. More than
the teachers who are still in active service but whose morale and dedication to
service are affected, our retired teachers are in the losing end. They received
less than the amount actually due them for retirement because their creditable
service was reduced corresponding to the actual number of their unremitted
contributions and are receiving lesser monthly retirement benefits. Unless we
immediately act on these problems, they may not be able to fully enjoy the
fruit of their long and dedicated government service.