Final Shiela Mae Turaja 014749 114848

Republic of the Philippines
NORTH EASTERN MINDANAO STATE UNIVERSITY

Cantilan Campus
Cantilan, Surigao del Sur
Telefax No. 086-214-4221 | 086-214-2723
INTRODUCTION
On-the-job training (OJT) is a training process that takes place in a realistic or close
to real working environment, with the trainee having an actual working role. It is an easy
way to gain additional skills and abilities required for a chosen field, allowing individuals
to get experience working in environments similar to those they will experience on the job.
Furthermore, OJT is relatively simple to execute because it utilizes existing

employees as trainers. Organizations could find the proper people for the job by offering
OJT, which allows them to assess the trainee’s skills during the training process. It also
helps attract good employees by decreasing stress and misunderstandings frequently faced
in changing work environments.
Students pursuing a Bachelor of Science in Business Administration with a major

in Financial Management must complete 600 hours of on-the-job training. For my on-the-
job training (OJT), I had the opportunity to work at SEDMFI from February 12 to May 30,
2024. This experience allowed me to apply the knowledge and skills I gained from my
studies for a Bachelor of Science in Business Administration with a major in Financial
Management and build additional abilities in an actual work environment.
As a trainee, my primary duties and responsibilities included filling out loan

application paperwork while assisting clients in receiving incentives. Sir Marvin, Arniel,
and Ma’am Marivic, my bookkeeper, accounting clerk, and cashier, all offered direction
and comments to help me do well in my role. Overall, my OJT at SEDMFI was an
incredible chance to learn, which helped me develop both professionally and personally.
In the following sections, I’ll review the individual tasks I worked on, the skills I learned,
and the lessons I learned during this training period. I am honored for the opportunity, and
I believe it has prepared me well for my future career in business administration with a
major in financial management.
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DEFINITION OF TERMS
Microfinance- also called microcredit- is a banking service provided to low-

income individuals or groups who otherwise wouldn’t have access to financial
services.
Certificate- a formal document issued upon completion of any formal event or
activity.
Clients - are individuals or entities who engage in the services or purchase the
products a business or professional offers.
CO- Credit Officers include preparing loan applications evaluating client’s
financial information and calculating risk ratios.
Loans -are financial arrangements in which one party, typically a lender such as a
bank or financial institution.
Management-is the coordination and administration of tasks to achieve a goal.
Money-a medium of exchange, a unit of account and a store of value.
On-the-job training– is a practical approach to acquiring new competencies and
skill needed for a job in real, or close to real, working environment.
Reports- are formal documents that present information, findings, analysis, or
recommendations on a particular subject or topic.
Sedmfi-Surigao Economic Development and Microfinance Foundation Inc.
Trainee- a person who is employed at a low level in particular job in order to learn
the skills needed for that job.
PPI- Progress out of poverty index is an easy-to-use objective, client poverty
assessment tool. It estimates the likelihood of an individual falling below the
poverty line.
Bookkeeper- A person whose job is to keep records of the financial affairs of a
business.
CPR- Conditional prepayment rate is an estimate of the percentage of a loan pool’s
principal that is likely to be paid off prematurely.
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Cashier- a person who gets money from places such as banks.

DEDICATION
With heartfelt gratitude, I dedicate this work:
I offer my deepest gratitude to Almighty God, the source of all wisdom and guidance, who
has walked alongside me throughout this journey.
To my parents, whose unwavering love and steadfast support have been a constant source
of strength and motivation for me.
I express my sincere appreciation to my program coordinator, whose tireless efforts and

invaluable guidance have helped shape my academic and professional path.
I extend my heartfelt thanks to my OJT placement coordinator, whose expertise and

dedication have secured a valuable learning experience for me.
I am grateful to the campus director, whose visionary leadership and commitment to

fostering a nurturing environment have enabled my growth and development.
I cherish the camaraderie and shared experiences of the SEDMFI family, whose support
and friendship have created lasting bonds and memories.
I appreciate my OJT buddy, whose friendship and collaborative spirit have enriched my
learning experience.
I dedicate this achievement to each of these individuals whose contributions have enabled
me to reach this milestone.
- Shiela Mae L. Turaja
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ACKNOWLEDGMENT
I humbly acknowledge the divine guidance and blessings of Almighty God

throughout my OJT journey. Your unwavering support and grace have been instrumental
in my growth and success
I would also like to express my gratitude to Sir Juancho A. Intano, Campus

Director, for his unwavering support and encouragement throughout my OJT journey.
I would like to express my sincere gratitude to my practicum instructor, Ma’am

Loureville Urquia, for her guidance, support, and valuable insights throughout my OJT
experience.
I would like to extend my sincerest gratitude to Maam Josepine A. Basadre, Mba

for her tireless efforts, her guidance and support throughout the entire process, from
application to completion, have been invaluable.
To my beloved parents, Marife Turaja and Shyriel Turaja your love, sacrifices, and
unwavering support have been my pillars of strength. I am grateful for your guidance and
encouragement that have shaped me into the person I am today.
I am thankful to Eleaquim M. Salomon for his leadership and support as a Branch

Manager. Your guidance and mentorship have been instrumental in my professional
development.
I express my gratitude to Vencient B. Oposa for his guidance and support as a Field
Supervisor. Your mentorship and encouragement have been invaluable in my growth.
I appreciate Marvin C. Ramos for sharing his knowledge and expertise as a

bookkeeper. Your professionalism and dedication have inspired me to strive for excellence
in my work.
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I extend my gratitude to Arnel P. Quinonez for his mentorship and guidance as an

Accounting Clerk. Your expertise and dedication have been invaluable in my learning
journey.
I extend my thanks to Marivic T. Uy for her support and teamwork as a Cashier.

Your dedication and positive attitude have made a significant impact on my OJT
experience.
I acknowledge the Credit Officers for their assistance and expertise. Your
professionalism and knowledge have contributed to my learning and growth during my
OJT.
To my co-trainees, I appreciate your collaboration, support, and camaraderie. Your

teamwork and friendship have made my OJT journey memorable and rewarding.
I am grateful to the Grammarian for your attention to detail and guidance in

improving my narrative report. Your feedback and corrections have been invaluable in
enhancing my grammar.
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VISION, MISSION, GOALS OF THE UNIVERSITY
VISION
A transformative leading university in Asia and the pacific.
MISSION
NEMSU shall provide competency-based higher education through transformative

instruction, relevant research, sustainable extension and production responsive to local,
regional and global trends.
GOALS
There are the specific goals in the four-fold functions of the University
KRA1. Instruction. Developed highly competent, globally competitive and morally

upright graduates.
KRA2. Research. Produced research for the advancement of knowledge, new technology
and innovative approaches for competitive endeavors.
KRA 3. Extension. Empower the rural poor to improve their lives through transfer of
technologies and knowledge.
KRA4. Production. Sustain University operators through viable and profitable income
generating projects.
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OJT EXPERIENCE
Throughout my 600 hours of on-the-job training at SEDMFI, I gained valuable

experiences and skills that will be very helpful for my future employment. This hands-on
training helped me build essential abilities and deal with setbacks in the real world. My
internship taught me how to face and handle problems in a work environment. I developed
the ability to adjust to different situations and interact with various people in a timely
manner.
As a result of this experience, I have developed the desire and skill to tackle the
difficulties required for success in my career. During my on-the-job training, I realized the
value of recognizing mistakes as opportunities for personal development.
I realized that making mistakes is an essential aspect of the learning process and
that the true test of success is how effectively one manages failures. This awareness has
improved my understanding, adjusting, and committing to continued improvement. During
my internship, I learned the value of keeping a positive mentality in the face of challenges.
I've noticed that having a positive view improves connections, productivity, and overall
well-being.
During my on-the-job training at SEDMFI, I had the chance to learn and use new
skills in real-world scenarios. I learned how to reflect on tasks, analyze scenarios that
involve, and make the right choices. This real-world experience has enhanced my academic
knowledge, which has also helped me better appreciate the abilities needed to succeed in
my chosen field.
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PROBLEM MET DURING TRAINING
One of the most significant problems I encountered was correctly calculating

remittances. As an accountable individual trainee, I saw the value of maintaining financial
accuracy for our clients. However, I did find myself making mistakes throughout the
process, sometimes resulting in record changes. This issue caused inconvenience for our
credit officer and cashier.
As a shy person, I encountered difficulties dealing with many clients. Interacting

with people was often difficult, and I struggled to communicate effectively. This difficulty
became most apparent when I had to handle client inquiries. I would get nervous and forget
important information, resulting in a lack of clarity and dissatisfaction.
The lack of sufficient space also affected the training process. Space was a
constraint, especially when training included hands-on activities or calculations that
required something particular.
Another key problem I encountered was my supervisor need for more performance
and engagement. His hectic schedules and apparent lack of interest in how I was developing
could have severely hindered my career development.
Some of my co-trainees’ lack of initiative had an impact on the training

surroundings as well. When given activities that called for collaboration and cooperation,
I often encountered coworkers who were unwilling to take part or support the efforts of
others.
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The training environment added problems in the form of distractions and improper
conditions. Noise, movement, and other distractions made it harder for me to concentrate
on the tasks at hand, causing less attention. Furthermore, the training area occasionally had
inaccurate temperature conditions, such as being too much cold which caused physical
discomfort affecting my ability to focus precisely.
SUGGESTIONS AND RECOMMENDATIONS
Based on the problem mentioned, I suggest an adaptable and proactive approach.

Seek guidance and assistance from experts in the field to improve your financial
computation and record-keeping abilities, and practice often to develop a more accurate
and precise way of doing your work. When it comes to client interactions, actively practice
paying attention and clear communication skills, don’t be afraid to ask for clarification
when necessary, and follow up with clients to ensure their concerns are dealt with. Step
beyond your comfort zone and look for opportunities to communicate with clients; this will
help you become more confident and effective in what you do. Observe and learn from
your colleagues who do well at client-facing tasks.
If you encounter insufficient facilities, adjust the way you work and find creative
ways to learn and work within the current boundaries, and provide positive feedback to
your supervisor about the need for bigger facilities to assist the training process
productively. To deal with your supervisor’s lack of performance and engagement, seek
mentorship and guidance from other experienced colleagues in the organization,
communicate your needs and concerns to your supervisor in a professional and positive
manner, maintain a positive attitude and focus on your personal growth, and take the
initiative to set specific objectives and track how you’re doing.
When dealing with co-trainees’ lack of initiative, lead by example and show a solid
dedication to the job and to the course of action. Encourage your co-trainees to participate
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actively and take part in the information they receive. Encourage a sense of shared duty
and collaboration among the trainees. Provide encouragement and recognition for your co-
trainees’ efforts and achievements.
Finally, to create an improved atmosphere, identify quiet spaces or areas where you
can focus on your work with minimal distractions; dress appropriately for the temperature
conditions to ensure your comfort and communicate any concerns about the trainee
environment to your supervisor and seek their support.
COMPANY PROFILE
HISTORY:
The Surigao Economic Development and Microfinance Foundation, Inc. (SEDMFI)

formerly known as Surigao Economic Development Foundation, Inc. (SEMDFI) is a
private, non-profit, non-stock and non-political service organization established by
Surigaonons on January 12, 1985 and registered with the Securities and Exchange
Commission on June 7, 1985.
The organization was one of the major solutions designed to harness the resources of the
private sector for the economic and social rehabilitation of the province as well as catalyst
for socio-economic change after super typhoon Nitang hit Surigao del Norte.
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It has two (2) major programs: (1) Micro-Entrepreneurs Development, which addresses
the economic needs of the poor micro-entrepreneurs through mentoring, financial
assistance and provision of add-on services (2) Sustainable and Resilient Communities,
which have direct impact on governance, environment conservation, protection, and
management and livelihood/economic enterprise among various sectors and stakeholders
in the community. Its humble mission is to uplift the marginalized by nurturing micro-
entrepreneurs and transforming their communities to be sustainable and resilient.
POLICIES:
The SEDMFI is committed to maintaining an effective workforce compensation system to

attract and retain competent and committed workers. The Board of Trustees and human
resource managers work together to design an equitable, just, and competitive wage and
salary structure and benefits package. The compensation system is reviewed annually by
the EXCOM, taking into account inflation rate increases, staff performance appraisal
results, and financial situation of SEDMFI. The BOT approves job values and determines
corollary compensation for each job position.
All hired employees undergo a one-month volunteer service orientation, followed by

probationary employment and a monthly salary based on SEDMFI’s compensation
package. Salaries and wages are paid semi-monthly, with payment given at the last working
day of the quincena. SEDMFI also provides leave benefits such as sick leave, vacation
leave, emergency leave, maternity leave, and paternity leave.
Sick leave can be taken by probationary employees without pay, while regular employees
are entitled to 1.25 leave credits a month or 15 working days with pay for every 12 months
of service. Employees must notify their supervisor and complete a sick leave form upon
return to work.
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The policy outlines vacation leave, emergency leave, maternity leave, paternity leave, and
paternity leave policies. Probationary employees can take vacation leave without pay,
while regular employees are entitled to 15 working days with full pay for every 12 months
of service. Unscheduled leave must be filed at least two days before the intended date, and
scheduled leave must be filed at least two days before the intended date. Only five unveiled
vacation leaves can be monetized and paid at the end of the year. Emergency leave can be
granted up to three days per year in certain circumstances, such as the death of a family
member, birthday leave, wedding, graduation, serious illness, or force majeure. Pregnant
women are entitled to 60 calendar days maternity leave for normal delivery/abortion and
78 days for caesarean delivery without pay, with salary covered by SSS maternity benefits.
Male employees whose wives have just given birth are entitled to one-week paternity leave
with pay, in addition to sick leave and vacation leave benefits.
The Employees’ Employment Policy outlines the policies and procedures for employees,
including leave, year-end benefits, cash gifts, productivity incentives, loyalty incentives,
group accident and life insurance, retirement/separation benefits, labor relations,
grievances and appeals, resignations and terminations, work schedule, and office protocols.
Employees must make prior arrangements with their branch head or co-employees to cover
for them during their absence. Leave applications should be approved by the immediate
supervisor/executive director before they can take a leave. Employees who have served at
least one month are entitled to 13th month pay, which is paid quarterly and equivalent to an
employee’s average gross earnings from January to current quarter. Exceptions include
voluntarily resigning employees.
Year-end benefits are given to regular staff based on their monthly wage/salary and
disbursed every 15th of May and December. Cash gifts are given to regular employees who
have served at least one year, with an annual increment of P5,000.00 but not exceeding
P15,000.00.
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Productivity incentives are approved by the Board of Directors (BOT) for employees who
perform with merit and excellence or have reached or surpassed set standards. Loyalty
incentives are also provided for employees aged 10 years and above in service.
Retirement and separation benefits are set aside for good-standing staff who have served
at least five years in the organization. SEDMFI encourages teamwork and two-way
feedback from leaders to field personnel, following the Labor Code of the Philippines and
all laws of the land. Grievances and appeals are allowed, and employees can file complaints
to their immediate superior or seek mediation from HRM or a higher authority.
Work schedules and office protocols are maintained in accordance with legal guidelines
and the organization’s workload. Tardiness with justifiable reasons can be allowed, but
habitual tardiness requires appropriate reminders and sanctions by the supervising officer.
The SEDMFI has a policy on tardiness, overtime, working during holidays, and holidays.
Tardiness is allowed once a month with valid reason, and subsequent acts are deductible
from the salary. Overtime work is paid hourly based on the employee’s basic salary.
Management should be notified of staff working on Sundays and holidays, and branch
heads must inform the head office if there is a declared holiday. The following holidays
are recognized as regular full-day holidays unless suspended by an official proclamation
by the Philippine Government. Local holidays, such as Le. Fiestas, charter days, will also
be observed. Daily wage employees are entitled to double pay work during holidays if they
have not been absent the day before the holiday.
Employees are required to wear prescribed attire for uniformity and economic reasons, and
to act professionally and focus on their jobs during office hours. They are also expected to
observe communication routing and other administrative systems/procedures. Employees
using SEDMFI motorcycles are given memorandum receipts (MR), which are responsible
for the proper care of these motorcycles. Employees must use crash helmets, avoid “back
riders,” and report any damage to the motorcycle.
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New staff must provide documentation such as an application letter, resume or bio-data,
transcript of records, ID photos, TIN, SSS, Phil health & Pag-ibig IDs, birth certificate,
Brgy. /Police Clearance, and employment clearance from their previous employer.
ORGANIZATIONAL CHART
SURIGAO ECONOMIC DEVELOPMENT AND MICROFINANCE

INC.
ELEAQUIM M. SALOMON
Branch Head
ACCOUNTING VINCENT V. OPOSA

FS SUPERVISOR
DEPARTMENT
CREDIT OFFICERS
MARVIN C. RAMOS
Bookkeeper
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KLENT JUNE C. JOSEPH MIKHAEL T.

BAPOR LAGURA
MARIVIC T. UY
BRYAN P. ECAY KEVIN A. AMBA
Cashier
ANGELO O. BUHIAN BENJIE REY J. JOSOL

ARNEL P. QUINONEZ
Accounting Clerk
ACCOUNTING
COLLECTOR
MARK RINGO D.
ARNALDO
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DAILY TIME RECORD
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AWARDING CERTIFICATE OF COMPLETION
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COUNTING REMITANCES
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PULLING OUT THE 2021-2022 LOAN APPLICATION FORM
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ASSISTING CLIENTS TO RECEIVE THEIR INCENTIVES
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PROCESSING REQUEST FOR LOAN RELEASE
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FILING THE DISCLOSURE APPLICATION FORM
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CREATING FOLDER FOR NEW CLIENTS
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REVIEWING THE PROGRESS OUT OF POVERTY INDEX
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EVALUATION FORM/RATING
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CERTIFICATE OF COMPLETION
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CURRICULUM VITAE
PERSONAL DATA
Name: Shiela Mae L. Turaja
Sex: Female
Civil Status Single
Religion: Roman Catholic
Date Birth: January 13,2001
Place Birth: Agsam, Lanuza Surigao del sur
Present Address: P-1 Riverside Agsam, Lanuza Surigao del sur
Name of Father: Shyriel M. Turaja
Name of Mother: Marife L. Turaja
EDUCATIONAL BACKGROUND
Elementary: Agsam Integrated School
Secondary: Agsam Integrated School
Tertiary: NEMSU Cantilan Campus
Courses: Bachelor of Science in Business Administration
Major: Financial Management
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OJT REQUIREMENT DOCUMENTS
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Republic of the Philippines

NORTH EASTERN MINDANAO STATE UNIVERSITY

Furthermore, OJT is relatively simple to execute because it utilizes existing

Students pursuing a Bachelor of Science in Business Administration with a major

As a trainee, my primary duties and responsibilities included filling out loan

Microfinance- also called microcredit- is a banking service provided to low-

Cashier- a person who gets money from places such as banks.

With heartfelt gratitude, I dedicate this work:

I express my sincere appreciation to my program coordinator, whose tireless efforts and

I extend my heartfelt thanks to my OJT placement coordinator, whose expertise and

I am grateful to the campus director, whose visionary leadership and commitment to

- Shiela Mae L. Turaja

I humbly acknowledge the divine guidance and blessings of Almighty God

I would also like to express my gratitude to Sir Juancho A. Intano, Campus

I would like to express my sincere gratitude to my practicum instructor, Ma’am

I would like to extend my sincerest gratitude to Maam Josepine A. Basadre, Mba

I am thankful to Eleaquim M. Salomon for his leadership and support as a Branch

I appreciate Marvin C. Ramos for sharing his knowledge and expertise as a

I extend my gratitude to Arnel P. Quinonez for his mentorship and guidance as an

I extend my thanks to Marivic T. Uy for her support and teamwork as a Cashier.

To my co-trainees, I appreciate your collaboration, support, and camaraderie. Your

I am grateful to the Grammarian for your attention to detail and guidance in

VISION, MISSION, GOALS OF THE UNIVERSITY

A transformative leading university in Asia and the pacific.

NEMSU shall provide competency-based higher education through transformative

KRA1. Instruction. Developed highly competent, globally competitive and morally

Throughout my 600 hours of on-the-job training at SEDMFI, I gained valuable

PROBLEM MET DURING TRAINING

One of the most significant problems I encountered was correctly calculating

As a shy person, I encountered difficulties dealing with many clients. Interacting

Some of my co-trainees’ lack of initiative had an impact on the training

SUGGESTIONS AND RECOMMENDATIONS

Based on the problem mentioned, I suggest an adaptable and proactive approach.

The Surigao Economic Development and Microfinance Foundation, Inc. (SEDMFI)

The SEDMFI is committed to maintaining an effective workforce compensation system to

All hired employees undergo a one-month volunteer service orientation, followed by

SURIGAO ECONOMIC DEVELOPMENT AND MICROFINANCE

ACCOUNTING VINCENT V. OPOSA

KLENT JUNE C. JOSEPH MIKHAEL T.

ANGELO O. BUHIAN BENJIE REY J. JOSOL

DAILY TIME RECORD

AWARDING CERTIFICATE OF COMPLETION

PULLING OUT THE 2021-2022 LOAN APPLICATION FORM

ASSISTING CLIENTS TO RECEIVE THEIR INCENTIVES

PROCESSING REQUEST FOR LOAN RELEASE

FILING THE DISCLOSURE APPLICATION FORM

CREATING FOLDER FOR NEW CLIENTS

REVIEWING THE PROGRESS OUT OF POVERTY INDEX

Name: Shiela Mae L. Turaja

Civil Status Single

Religion: Roman Catholic

Date Birth: January 13,2001

Place Birth: Agsam, Lanuza Surigao del sur

Present Address: P-1 Riverside Agsam, Lanuza Surigao del sur

Name of Father: Shyriel M. Turaja

Name of Mother: Marife L. Turaja

Elementary: Agsam Integrated School

Secondary: Agsam Integrated School

Tertiary: NEMSU Cantilan Campus

Courses: Bachelor of Science in Business Administration