Women MSMEs turn livelihood programs into ‘Automated Tao Machines’

A group of resilient mothers from a remote mining community in Surigao del Norte turned their livelihood programs into a channel that brings banking services closer to the community. Through BDO Unibank's agency banking channel, Cash Agad, they proved that women can inspire and lead change even in the most remote areas.

The Siana Golden Mothers Association comprises mothers from Barangay Siana, Mainit, Surigao del Norte who are beneficiaries of the government’s Pantawid Pamilyang Pilipino Program (4Ps). In addition to relying on their 4Ps benefits, Siana Golden Mothers was determined to find livelihood opportunities for its members to become successful business owners.

The birth of an initiative

In 2018, when a nearby mining company offered support to livelihood programs, Minda Ajoc,a devoted mother who worked for years assisting barangay nurses in caring for young children in Barangay Siana, joined hands with fellow mothers to form Siana Golden Mothers. They guided the group through early livelihood ventures such as swine production.

This is when they also decided to become partner agents of Cash Agad, a service offered by BDO to Micro, Small and Medium Enterprises (MSMEs), organizations and local establishments in rural and hard-to-reach communities where bank branches and ATM access are limited to non-existent. The partner agents will then become the “ATM” or Automated Tao Machines in their community and allow cash withdrawal services, balance inquiry, cash-in and bills payment and other basic banking transactions through the point-of-sale devices at their stores.

These women saw an opportunity for their association to be a Cash Agad agent, bringing financial services closer while creating a sustainable income source and providing remittance and photocopying services to the community.



Women entrepreneurs of Barangay Siana. Members of the Siana Golden Mothers Association lead the way in changing families’ lives and uplifting their community through Cash Agad.

Lifeline for Barangay Siana

“Malaking tulong sa amin ang Cash Agad, lalo na’t malayo kami sa city. Madami itong natulungan at nabigyan ng access sa kanilang pera. Nakakatulong ito na mai-angat namin ang aming komunidad,” Minda said. (Cash Agad has been an enormous help, especially since we live far from the city. It has helped a lot of people get access to their funds. This has enable us to uplift our community).

In line with its commitment to fostering financial inclusion, BDO finds it encouraging that Cash Agad is creating a sense of financial empowerment for women in Mindanao.

"Our partnership with the Siana Golden Mother’s Association reflects BDO’s commitment to supporting grassroots communities, especially women, who play a vital role in driving local progress,” said Jaime Nasol, Senior Vice President of the Consumer Banking Group at BDO Unibank. “Through programs like Cash Agad, we aim to bring financial services closer to remote areas, enabling individuals and associations to build sustainable livelihoods and create meaningful change within their communities.”

As the Siana Golden Mothers Association continues to grow, BDO and Cash Agad, with its more than 12,000 partner agents, are exploring further ways to support similar initiatives, helping more communities to access essential financial services, and promoting a future of financial stability for all.

#ColorsInBloomAtSM: A Burst of Color, Culture, and Celebration

🌸✨ Vibrant colors, joyful smiles, and cultural pride! 🎉 The Panagbenga 2025 celebration comes alive with stunning performances, festive outfits, and creative floral displays. #ColorsInBloomAtSM 🌺🌻  

This year’s Panagbenga has been nothing short of a color spectacle showcasing Baguio’s arts and culture. 

One striking piece is a dynamic lightning bolt, expertly crafted from brilliant yellow and blue tile fragments. This work honors Baguio photographer and artist Kidlat de Guia, who passed away in Madrid, Spain.

An onlooker admires the captivating pieces at The Mighty Bhutens Art Exhibit, a key highlight of the event that brings the spirit of the Cordilleras to life.

A key highlight of the event, The Mighty Bhutens Art Exhibit, brings the spirit of the Cordilleras to life through its artistry. This display features works by Kabunyan de Guia, Guiller Lagac, and Oliver Olivete—collectively known as The Mighty Bhutens. Their pieces, inspired by National Artist Kidlat Tahimik, reflect a spontaneous, playful approach that remains true to the rich heritage of the region.

Savor the flavors of Panagbenga 2025 at the Food Truck Fest! 🍔🌮 A must-visit for foodies, this vibrant gathering showcases mouthwatering delights from local MSMEs, bringing together great food, good vibes, and a feast for the senses! 🌟🚚 #Panagbenga2025

Discover unique handcrafted treasures at the Food & Crafts Fair! From artisanal accessories to local delicacies, it's the perfect place to find one-of-a-kind pasalubong. 

The Food and Crafts Fair, running from February 17 – March 03, features local MSMEs presenting a variety of products, including souvenirs, foods, and delicacies. The Food Truck Fest at The Drive offers a unique mix of tastes and flavors from local culinary entrepreneurs.

Painting Panagbenga memories together! Families join in the colorful fun at Family Art Day, celebrating the festival’s vibrant spirit through creativity and laughter. #Panagbenga2025  #ColorsInBloomAtSM

The Painting Competition at Panagbenga 2025 brings artists together to capture the beauty and spirit of the festival on canvas.

The Panagbenga Festival at the mall was bursting with creativity as participants of all ages embraced the artistic spirit! From vibrant paintings to hands-on family fun, the art activities brought inspiration and color to the celebration. 🎨✨ 

The Arts and Crafts activity sparks creativity among students from various schools as they repurposed past Panagbenga decors into sustainable art. Families enjoyed bonding at Family Art Day, while friends found inspiration from the scenic Sky Terrace view during the Painting Competition.

Bringing the Panagbenga 2025 festival spirit to life, cultural performers from various local groups fill the mall with energy, rhythm, and tradition—celebrating the heritage of the Cordilleras in a vibrant display of music and dance.

The shoppers enjoy the Panagbenga spirit and festive atmosphere enriched by music and cultural performances from groups such as Day Eng Cultural Group, University of Baguio BIBAK Ubbun Kaafuan, Paggawisan Tako Am-In from the University of the Philippines-Baguio and Gawis Culture and Arts Ensemble. 

A tail-wagging good time! Pawstival brings together pet lovers and their furry friends for a day filled with fun, games, and adorable moments.

Fur-parents and their beloved companions struts their super style in a fun-filled costume contest. The Pet Pawstival kicked off with a paw-some day of bonding and laughter, creating unforgettable memories for both pets and their devoted owners.

Guided by skilled artisans, participants discover the beauty of traditional weaving—one thread at a time.

The weaving workshop, led by master weaver Cathy Ekid from Bontoc, shares her expertise in backstrap weaving. With the assistance of the Pasakalye Group of Artists, mall-goers try their hand at this traditional craft, contributing to the preservation of the art of weaving.

Art that speaks to the soul—visitors find inspiration and meaning in every masterpiece at ‘Hiraya: Dreams in Bloom.

Hiraya: Dreams in Bloom showcased a heartfelt collection of artworks that captured dreams and aspirations through the enchanting beauty of flowers. Featuring over 60 pieces from 48 artists, the exhibit highlighted the incredible talent of prominent Pasakalye artists, blending tradition and creativity in a captivating visual storytelling.

From loom to runway—celebrating the craftsmanship of our local weavers in the Blooming Weaves fashion show and Exhibit.

Blooming Weaves celebrated Cordillera’s rich weaving traditions through a stunning fashion show and exhibit. Featuring the Fashion Designers Alliance Cordillera, the event blended traditional fabrics with modern, eco-conscious designs. Visitors admired intricate handwoven masterpieces, showcasing techniques like backstrap weaving, pedal loom weaving, and ikat dyeing—each a testament to indigenous artistry.

Photo Caption: A feast for the senses! Fireworks, glowing lights, and dreamy floral décor come together to create a truly enchanting atmosphere.

Spectacular fireworks, vibrant floral displays featuring a dynamic blend of pastel floral designs, and striking gobo and light installations throughout the mall further enhanced the Panagbenga celebrations.

Photo Caption: A masterpiece of artistry and agriculture! This year's float parade was a spectacular tribute to the beauty of harvest season.

On February 23, residents and visitors eagerly gathered to witness the highly anticipated Grand Float Parade, featuring 44 beautifully decorated floats that captivated the crowd.

As a hall-of-famer, SM City Baguio presented a non-competing entry, bringing this year’s festival theme, "Blossoms Beyond Boundaries," to life with a stunning design inspired by a cornucopia of bountiful harvests.

SM strengthens pivot to solar PVs in support of DOE’s renewable energy goals

SM City Bataan and its 4,060-piece solar photovoltaic (PV) panels have a peak capacity of 2,376,000 kW.

As the world continues to grapple with depleting resources, the need for renewable energy has never been more urgent. Malls, as significant energy consumers, have a unique opportunity to lead the charge towards a greener, more sustainable future by adopting renewable energy solutions that can significantly reduce their environmental impact.

Understanding this, SM has been continuously ramping up its renewable energy initiatives by adopting solutions that lower its carbon footprint. One such solution is the adoption of solar photovoltaic (PV) systems, which provide clean and renewable energy by converting sunlight directly into electricity. This allows SM to reduce its reliance on fossil fuels, lower energy costs, and contribute to a greener environment.

Expanding solar power across SM malls

As of February 2025, SM is nearing full operations for the solar PV systems installed in 45 of its properties across the country, with more slated for retrofitting soon.

SM’s use of solar PV systems is just one of the many ways the company has been taking a more sustainable approach to energy use while supporting the country in achieving its sustainability goals. Its efforts continue to be recognized by reputable institutions both locally and internationally. 

Industry recognition for SM's sustainability efforts

For instance, SM’s flagship mall, SM Mall of Asia, was recognized at the 2024 Energy Efficiency Excellence Awards and Sustainable Energy Awards organized by the Department of Energy (DOE). It won the Sustainable Energy Award for a Private Institution for its solar PV system, which is capable of generating 2.7-megawatts (MW) of peak energy---enough to power 1,790 households for an entire year. 

Meanwhile, SM City Butuan was recognized under the New and Existing Building category at the Association of Southeast Asian Nations (ASEAN) Energy Awards 2024 Best Practices Competition for Energy-Efficient Buildings. Endorsed by the DOE to represent the Philippines, the mall was honored for advancing energy efficiency and conservation (EEC) innovations in its design and operations.

Supporting the DOE's Renewable Energy Roadmap

Alongside its efforts to integrate renewable energy sources into its operations, SM is also committed to supporting the DOE in achieving its targets under the Renewable Energy Roadmap 2017-2040, particularly its goal to increase the country's renewable energy installed capacity to at least 20,000 MW by 2040.

SM City Tanza is one of the 45 SM malls with solar photovoltaic (PV) panels, numbering 2,286 units, which will produce 1,257.30 kW peak solar power.

Public-Private Partnerships for a sustainable future

SM collaborates with partner solar PV system providers under the Energy Regulatory Commission (ERC) Distributed Energy Resources program. These service contracts define the conditions of the partnership, project timelines, and the assigned malls for each provider, aligning with SM's adoption of renewable energy.

"At SM, sustainability is a commitment. Our growing solar portfolio demonstrates our dedication to a greener future for the Philippines, in partnership with the DOE and our valued partners," shared SM Supermalls Vice President for Corporate Compliance Group Engr. Liza Silerio.

 “Together, we’re not just generating cost savings – we’re shaping a more sustainable future by supporting long-term environmental goals of our partners while contributing to the Philippines’ green transition,” said Green Heat Corporation Director Glenn Tong. Green Heat is one of SM’s solar PV system providers.

SM City Butuan with its solar photovoltaic (PV) panels. 

A model for sustainable development

Beyond its environmental and economic benefits, SM’s implementation of solar PV systems serves as a progressive model for public-private partnerships (PPPs). By collaborating with the DOE, SM gains access to technical expertise and financial incentives while helping the country meet its sustainability goals. This approach promotes innovation, creates jobs, and sets a precedent for other commercial establishments to follow.

DOE's support for sustainable energy development

“The DOE has implemented sustainable energy development strategies and institutionalized national and local capabilities, and we are heartened by the strong support we have received from both the private and public sectors,” said DOE Undersecretary Rowena Cristina Guevara in her opening address at the Sustainable Energy Awards. 

To learn more about SM’s various sustainability initiatives, visit www.smsupermalls.com/smcares.