BY ALEX ALAGON
Contributor
Skyro and Netbank partner to deliver faster, secure loan repayments
GETTING a loan is only part of the customer journey. Paying it back should be just as simple. That’s why Skyro, an SEC-registered financing company in the Philippines, has partnered with Netbank, the country’s leading Banking-as-a-Service (BaaS) platform, to provide customers with seamless, real-time, and secure loan payment options.
The partnership was formalized through a memorandum of agreement (MOA) signing led by Skyro president Anthony Co and payments product manager Daniil Murzabaev. Joining them were Netbank executives Iann Sicat, CEO; Amiel de Sotto, head of cash lenders; Maria Julieta Cunanan, head of mobile banking; and Jerrald Solano, head of AaaS Product.
Through the partnership, Skyro customers can enjoy a more convenient repayment experience through supported banking and e-wallet channels. Whether paying for a gadget or appliance through a Skyro Product Loan, covering financial needs with a Skyro Cash Loan, or making everyday purchases with SkyroCredit, the integration of Netbank’s payment solutions helps ensure every payment is processed efficiently and reliably.
For Co, the partnership signifies Skyro’s commitment to expand financial access for many more Filipinos. “By partnering with Netbank, we’re taking another step toward building a more efficient and customer-centric digital financial ecosystem. This collaboration enables us to deliver an even smoother, simpler, and more secure experience while advancing financial inclusion by expanding access to financial services for unbanked and underserved Filipinos. Together, we’re helping improve the financial well-being of more borrowers through financial solutions that fit their everyday lives.”
Likewise, Sicat emphasized that good infrastructure isn’t measured by how visible it is but by how consistently it performs. With Netbank’s cash management infrastructure, Skyro can deliver better repayment services to its customers.
“Our cash management infrastructure helps make collections, reconciliation, and payment processing more efficient. That allows Skyro to focus on its customers while we ensure the banking operations behind every payment remain reliable,” he said.
Skyro’s partnership with Netbank reflects its broader mission of bringing hope, happiness, and financial support to Filipinos nationwide. As it continues to grow, the fintech company remains committed to leveraging advanced data analytics, artificial intelligence, a digital-first platform, and an extensive retail partner network to deliver product loans, cash loans, and a digital credit line that help Filipinos access credit in ways that suit their needs, lifestyles, and financial goals.
To learn more about Skyro’s flexible financing options and convenient payment channels, visit skyro.ph and follow its social media accounts on Facebook, Instagram, LinkedIn, YouTube, and TikTok.
Only 1 in 10 Filipinos closely follow VP Duterte’s impeachment trial; proceedings seen as ‘confusing’ — Momentum Research
MANILA, Philippines — Only 13% of Filipinos are closely monitoring Vice President Sara Duterte’s impeachment trial, with many saying the proceedings are “confusing and difficult to follow,” according to the inaugural issue of The National Momentum Survey.
The non-commissioned survey, released by newly established public opinion research firm Momentum Research on July 23, found that awareness of the vice president’s impeachment trial is widespread, with 68% of Filipinos saying they know about the proceedings. However, awareness is not equivalent to paying close attention to the trial.
Only a fraction of respondents (13%) said they actively follow the trial, while a majority (55%) said they only hear about developments but do not regularly keep up with the proceedings. Meanwhile, 29% said they do not follow the impeachment trial at all, and 3% of respondents declined to answer.
When respondents were asked about their experience monitoring the impeachment hearings, nearly a third (32%) described them as “confusing,” while another 8% of respondents said they were “too technical and difficult to follow.”
By comparison, 15% of respondents said the proceedings were generally “clear” while acknowledging that some portions were “difficult to follow.” Only 7% found the Senate trial “clear and easy to follow.” More than a third (34%), however, admitted they did not follow the Senate trial during its opening week (See Figure 2).

According to Momentum Research Founder and CEO Cleve Arguelles, a political scientist, this may be attributed to how the impeachment trial’s first week was marked by legal jargon, objections, and technical arguments from senator-judges, prosecutors, and the defense in addressing procedural debates.
“The first weeks of the impeachment trial were dominated by legal arguments between counsels that are second nature to lawyers but opaque to the average viewers,” Arguelles said in a statement.
“What the survey data tells us is that the public may be aware that the trial is happening, but the proceedings haven’t yet broken through in a way that feels meaningful or legible to the average Filipino. And awareness without comprehension may become a problem for any constitutional proceeding that depends on public legitimacy,” he added.
The survey also found that Filipinos prefer to reserve judgment on Duterte’s impeachment trial, with a plurality of respondents (44%) saying it is still “too early to tell” whether she should be convicted or acquitted.
Momentum Research conducted the survey a week after the Senate impeachment court formally opened the trial. During the first three trial days, senator-judges heard the prosecution’s initial evidence, including testimony from its first witness on the article of impeachment alleging grave threats.
The charge stems from Duterte’s public statements during a virtual press conference in November 2024 that she had instructed an individual to kill President Ferdinand Marcos Jr., First Lady Liza Araneta-Marcos, and then-House Speaker Martin Romualdez if an alleged plot against her were carried out.
Despite this, almost half of the respondents (48%) have already formed an opinion. More than 1 in 4 Filipinos (28%) said Duterte should be convicted, while 1 in 5 (20%) believe she should be acquitted. Only 6% of respondents said they had no answer or were unsure, while 2% refused to answer (See Figure 3).

“Our survey shows that public opinion on the trial and the Vice President is still in motion. Half of the country has yet to decide. They’re forming their views in real time as the trial unfolds. And for those already comfortable to make a judgment, more Filipinos lean toward holding the VP accountable and removing her from office,” Arguelles explained.
“But the trial is only weeks old. Public opinion at this stage is more of a snapshot than a verdict, and it’s still likely to move as the evidence does,” he added.
These are among the key findings of the inaugural issue of The National Momentum Survey, one of the first nationwide surveys to ask Filipinos what they think about the ongoing impeachment trial of the vice president.
Conducted from July 13 to 16, the non-commissioned survey was done through face-to-face interviews with a nationally representative sample of 1,438 Filipino adults. It has a ±2.6% national margin of error and a 95% confidence level.
Subnational margins of error are ±7% for the National Capital Region, ±4% for the Rest of Luzon (North, South, and Central Luzon), ±6% for Visayas, and ±5% for Mindanao — all at a 95% confidence level.
The National Momentum Survey is Momentum Research’s flagship initiative, capturing what Filipinos think, feel, and stand for on the country’s most pressing sociopolitical issues. The inaugural July 2026 issue also covers public opinion on government performance, the upcoming 5th State of the Nation Address, and the 2028 National Elections.
To explore the complete survey findings, visit Momentum Research’s website at www.momentumresearch.ph and access our live dashboard.
Mawab marks historic milestone with first DOT-accredited tourism establishment after 67 years
MAWAB, Davao de Oro — The Municipality of Mawab has achieved a historic milestone after its first-ever tourism establishment received accreditation from the Department of Tourism (DOT), 67 years after the town’s founding.
Sabor by La Ela’s Café Restaurant officially became Mawab’s first DOT-accredited establishment, marking a significant achievement in the municipality’s efforts to strengthen its tourism industry and promote the town as an emerging destination in Davao de Oro.
The accomplishment is one of the results of the continued tourism development initiatives of the local government under the leadership of Mayor Myrill Apit, whose administration has prioritized the promotion of local attractions and the growth of the municipality’s tourism sector.
The accreditation was made possible through the collaborative efforts of the Municipal Tourism Office, led by Municipal Tourism Officer Michaella Paragua, in partnership with the Provincial Investment and Promotion Division under the Provincial Administrator’s Office, which provided technical guidance and assistance throughout the DOT accreditation process.
Mayor Apit hailed the achievement as a defining moment for the municipality, saying it reflects Mawab’s readiness to compete as a tourism destination in the province.
“This milestone is not only a victory for one establishment but for the entire Municipality of Mawab. It proves that through unity, hard work, and good governance, we can raise the standards of our local tourism industry and create more opportunities for our people. We hope this inspires more local businesses to pursue DOT accreditation and become partners in showcasing the best of Mawab,” Apit said.
Local officials described the accreditation as more than just a recognition for a single business, saying it represents a major step forward for the municipality’s tourism industry. DOT accreditation assures visitors that an establishment meets national standards for quality, safety, and service.
The local government also disclosed that several other tourism-related establishments in Mawab are currently undergoing the DOT accreditation process and are awaiting the results of their inspections.
Officials expressed optimism that the latest milestone will encourage more investments, attract visitors, create employment opportunities, and further boost the local economy through sustainable tourism development.
The achievement underscores Mawab’s continuing progress toward establishing itself as a competitive tourism destination in Davao de Oro, opening a new chapter in the municipality’s 67-year history.
Roselyn Dayanan and Diday Casaljay of the organizing DAPOBA. (LPP/DSA)
Davao City – Some 300 entries are expected to see action in the 2026 Davao Pobre Bikers Association (DAPOBA) Uphill Cycling Challenge which is set to reel off this 2 August starting at the Barangay Eden Bayabas Toril going to Elias Lopez Elementary School.
This was announced Thursday, 23 July at the weekly Davao Sportswriters Association (DSA) Forum by Roselyn Dayanan and Diday Casaljay of the organizing DAPOBA.
According to Dayanan, these riders will come from all over the Davao Region competing in the 4.9 kilometer uphill paved track vying for cash prizes and medals.
“We have some seeded players coming from the national team who we are expecting to see action,” added Casaljay.
The competition will have the road bike class with nine age-group categories starting 18U to 60 years-old and above categories and for the mountain bike having 18U to 42-49 years-old and ladies divisions.
By Jon Develos
PSAC Digital Infrastructure presents resilience and connectivity agenda to President Marcos
President Ferdinand R. Marcos Jr. with members of the Private Sector Advisory Council – Digital Infrastructure Sector following their 10th meeting at Malacañang Palace, where they discussed key initiatives to strengthen the Philippines’ digital resilience, cybersecurity, AI readiness, and nationwide connectivity.
The Private Sector Advisory Council – Digital Infrastructure Sector (PSAC-Digital Infra) presented key recommendations on cybersecurity, artificial intelligence, fibre deployment, and rural connectivity to President Ferdinand R. Marcos Jr. during its 10th meeting at Malacañang Palace.
The meeting opened with PSAC-Digital Infra welcoming the President’s signing of Executive Order No. 119, which updates the government’s data classification framework and establishes a national data residency policy. The Council said the Order addresses a long-standing regulatory gap and provides cloud providers, data center operators, and technology investors with the policy certainty needed to strengthen the country’s data sovereignty. The Council also discussed the importance of advancing AI sovereignty alongside these initiatives.
On cybersecurity, PSAC-Digital Infra recommended adopting a coordinated national approach to protecting the country’s critical information infrastructure, most of which is privately owned and operated. Central to its proposal is the establishment of pre-authorized emergency protocols that would allow operators to respond immediately during major disasters or systemic cyber incidents without waiting for case-by-case government clearance. The Council reaffirmed its support for the passage of the proposed Cybersecurity Act, which is currently under committee consolidation in the House of Representatives, while calling for amendments to Republic Act No. 10175, or the Cybercrime Prevention Act of 2012, to better address evolving cyber threats while supporting innovation and the continued competitiveness of the Philippine IT-BPM industry.
On artificial intelligence, PSAC-Digital Infra proposed a two-pronged approach: harnessing AI to strengthen cybersecurity through threat detection, incident response, fraud and scam prevention, and continuous monitoring of critical infrastructure, while ensuring that AI systems themselves remain secure. As the Philippines develops sovereign computing capacity, the Council recommended treating AI models, training datasets, and the data centers that host them as part of the country’s critical information infrastructure.
“In AI, standing still is falling behind. It is moving so fast that governance, trust, and capability-building must evolve just as quickly,” said Myla Villanueva, PSAC Digital Infrastructure Lead and Chairperson of MDI Group Holdings Inc.
PSAC-Digital Infra also endorsed the One Canal Policy, which promotes a single common-conduit system and standardized infrastructure for fibre and utility deployment along national roads and public rights-of-way. Under the proposal, a canal would be dug once and shared by all qualified operators, reducing deployment costs and timelines, eliminating repeated road excavation, and simplifying permitting for telecommunications providers and local government units.
To accelerate digital inclusion, the Council recommended prioritizing the interconnection of rural health units and state universities and colleges to the National Fiber Backbone. Connected health facilities can expand access to telemedicine, electronic health records, and faster referrals to tertiary hospitals, while connected campuses strengthen research, digital skills development, and AI readiness. The Council noted that connecting these anchor institutions also makes last-mile broadband services more commercially viable for surrounding communities, supporting the President’s priority of expanding connectivity to geographically isolated and disadvantaged areas.
The Council also highlighted the importance of strengthening the resilience of the country’s submarine cable infrastructure. Dennis Anthony Uy, CEO of Converge ICT Solutions Inc., presented a consortium-led initiative among Converge, Globe, and PLDT to build a more resilient national subsea network with enhanced redundancy, helping safeguard the country’s critical digital arteries, improve connectivity, and support the Philippines’ long-term AI and digital economy ambitions.
“The threat landscape changes faster than any policy cycle. What we are proposing is not a fixed set of rules but a standing capability—so that when the next incident comes, and it will, the country is not starting the conversation from behind, but ahead of the problem,” Villanueva said.
PSAC-Digital Infra also expressed its appreciation to President Marcos and Secretary Henry Aguda for the completion and continued advancement of key digital infrastructure initiatives, which have strengthened the country’s foundation for secure, resilient, and inclusive digital transformation.
PLDT Home now bundles your digital essentials into one Fiber plan
Between streaming subscriptions, mobile data, TV services, and home internet, today’s families are juggling more digital subscriptions than ever before. While each service plays an important role in everyday life, managing multiple accounts and monthly bills can quickly become expensive and complicated.
Making digital living simpler, PLDT Home introduces its new Fiber Unli All plans, bringing together unlimited fiber, Cignal TV, HBO Max, Smart mobile data, and unlimited calls in one convenient subscription.
Whether working from home, attending online classes, streaming movies, gaming, or staying connected while on the go, Filipino families depend on several digital services every day. Bringing them together in one subscription makes digital living simpler while delivering greater value every month.
“Today’s connected households want more than just fast internet—they want a simple, seamless digital experience at home and away from home. Fiber Unli All combines reliable fiber connectivity, premium entertainment, and mobile services into one convenient bundle, giving Filipino families everything they need to stay connected, productive, and entertained at home and on the go,”
said John Y. Palanca, PLDT Senior Vice President and Head of Consumer Business – Home.
Everything families need, in one subscription
Built around the way households connect today, Fiber Unli All combines the services families use most into one broadband plan, delivering greater convenience and value.
- Unlimited Fiber
Fiber Unli All delivers reliable fiber speeds, making it ideal for households with multiple users and connected devices. Whether family members are attending online meetings, streaming in 4K, gaming, uploading content, or using smart home devices at the same time, the connection is built to keep up with everyday digital activities.
- Cignal TV
The Fiber Unli All plans also include Cignal TV, giving families access to live news, sports, local channels, movies, and entertainment. From catching live sporting events to watching favorite TV programs together, everyone in the household has something to enjoy.
- HBO Max
Subscribers can also stream thousands of hours of premium entertainment with HBO Max, including HBO Originals, blockbuster movies, award-winning series, documentaries, and family favorites. Whether it’s a weeknight movie marathon or a weekend binge-watch, there’s always something ready to stream.
- Smart Mobile Data
Connectivity doesn’t stop at home. Every Fiber Unli All plan comes with 9GB of Smart mobile data, helping families stay online and connected while commuting, paying with cashless transactions, or running errands outside. Families stay connected even when they’re away from their home Wi-Fi.
- Unlimited Family Calls
The Fiber Unli All plans also include unlimited landline calls, making it easier to stay in touch with family or connect with businesses and offices with landline services.
Fiber Unli All brings together the most essential services that families already use today, making it easier to manage their digital needs while getting more value from their broadband plan. By combining reliable fiber with entertainment and mobile connectivity services, customers can enjoy a smarter and more connected digital experience.
PLDT Home Fiber Unli All is available in monthly subscription plans 1499, 1899, 2599. For more information, visit www.pldthome.com.
Beyond the Health Divide: A Quest for a Healthier Philippines and Stronger Filipinos
Part I: Health Begins with People
HEALTH, in essence, is the first wealth of every nation.
There is perhaps no greater aspiration shared by every Filipino family than the simple hope of living a healthy and fulfilling life. Whether in the crowded streets of Metro Manila, the fishing villages of the Visayas, the rice fields of Luzon or the farming communities of Mindanao, parents begin each day with the same quiet prayer—that their children grow up healthy, that illness does not rob them of their livelihood, and that old age can be lived with dignity rather than worry.
Yet for many Filipinos, good health is still not something they can take for granted.
The jeepney driver who starts work before sunrise continues driving despite an aching back because every missed trip means less money for food, rent, or a child’s education. The farmer spends long hours under the scorching sun even when fever and exhaustion tell him he should be resting, because crops cannot wait and neither can hungry mouths at home. The market vendor, the fisherman, the construction worker and the factory employee all understand how one unexpected illness can wipe out years of hard-earned savings.
For a young mother, the greatest worry may not simply be childbirth, but whether quality care will be available when she needs it most. For parents, a child’s persistent cough or high fever can become a sleepless night of anxiety—not only because of the illness itself, but because of the cost of consultations, medicines and transportation to the nearest health facility. For many elderly Filipinos, growing old should be a time of peace and fulfilment. Instead, it is too often accompanied by concerns about chronic illness, expensive medicines and frequent journeys in search of specialised care.
These are not isolated stories. They are the lived experiences of millions of Filipinos. Behind every health statistic lies a human face, a family and a dream.
Health, therefore, is far more than a medical issue. It is about the confidence of families, the resilience of communities and the opportunities available to every citizen. It is about whether children can grow, learn and flourish; whether adults can work productively and provide for their families; and whether senior citizens can enjoy the dignity and security they have earned after a lifetime of contribution.
When Illness Becomes a Family Crisis
For families with comfortable incomes, illness is often an inconvenience. For poor and vulnerable households, it can become a crisis.
A single medical emergency can force parents to borrow money, sell productive assets or postpone important household expenses. Some delay seeking treatment because they simply cannot afford the consultation, the medicines or the journey to a hospital. Others continue working despite illness because taking a day off means losing the income needed to keep food on the table.
No family should have to make such choices.
No parent should ever have to choose between buying medicines for a sick child and paying school fees. No elderly person should hesitate to seek treatment because it might become a financial burden on the family. No expectant mother should worry that the quality of care she receives depends on where she lives or what she earns.
Health care should offer reassurance, not anxiety. It should protect families from hardship rather than deepen their vulnerability.
Health is the Foundation of Development
For many years, discussions on national development have rightly focused on economic growth, infrastructure, investment and employment. These remain vital priorities. But there is another foundation upon which all lasting development depends—the health of the people.
A nation cannot fully realise its potential if millions of its citizens remain vulnerable to preventable illness, poor nutrition or inadequate access to quality healthcare. Every day lost to sickness is a day of lost productivity, lost income and lost opportunity. Conversely, every healthy child who grows to full potential, every healthy mother, every productive worker and every senior citizen who continues to participate actively in family and community life becomes a powerful contributor to national progress.
Health is not merely another sector competing for public resources. It is one of the wisest investments a nation can make. Healthy children learn better. Healthy workers are more productive. Healthy families are more financially secure. Healthy communities are more resilient. Together, they create a stronger and more inclusive economy.
The Philippines has made important strides in expanding healthcare, and the country’s commitment to Universal Health Care reflects a bold and compassionate vision. Yet important gaps remain. For many families, especially in poorer households and geographically isolated communities, quality healthcare is still not always within easy reach. Distance, affordability, shortages of healthcare professionals and uneven access to services continue to create a health divide that limits opportunities and weakens human potential.
Bridging that divide is not simply a task for the health sector. It is a national development priority.
A healthier Philippines will not be built only through more hospitals or better technology. It will be built by placing people at the centre of public policy—by ensuring that every mother receives safe maternity care, every child enjoys the nutrition needed for a healthy start in life, every worker can seek timely treatment without fear of financial hardship, and every older Filipino can age with dignity, respect and security.
For ultimately, the strength of a nation is measured not only by the size of its economy but by the health, hope and human dignity of its people.
Part II: Giving Every Filipino a Fair Chance at a Healthy Life
If the strength of a nation ultimately rests on the well-being of its people, then building a healthier Philippines must begin with those who are most vulnerable.
Every child deserves the best possible start in life. Yet the journey towards good health begins even before birth. Every expectant mother should have access to quality prenatal care, skilled medical assistance during childbirth, and proper care after delivery, regardless of where she lives or how much her family earns. A safe pregnancy is not merely a personal blessing; it is an investment in the nation’s future.
The earliest years of life are equally important. The first one thousand days, from conception to a child’s second birthday, shape physical growth, brain development, and future learning. Good nutrition during this period is one of the greatest gifts a nation can offer its children.
Conversely, malnutrition and stunting quietly rob children of opportunities long before they step into a classroom. They diminish not only individual potential but also the country’s future productivity, creativity and prosperity.
Every Filipino child deserves the opportunity to grow, to learn and to dream without being held back by hunger or poor nutrition. Every peso invested in maternal and child health today yields immeasurable dividends for decades to come.
As children grow into adulthood, the country’s health challenges also evolve. Infectious diseases remain important, but another silent epidemic is steadily spreading across communities. Diabetes, hypertension, heart disease, stroke, kidney disease, cancer, and other non-communicable diseases are affecting increasing numbers of Filipinos, often during their most productive working years. These illnesses do not merely burden hospitals; they place enormous emotional and financial strain on families and reduce the nation’s productive capacity.
Fortunately, many of these conditions can be prevented or detected early.
Encouraging healthier diets, regular physical activity, routine medical check-ups and timely screening is not simply good medical practice; it is sound economic policy. Prevention almost always costs less than cure, and it spares families the emotional and financial hardship that serious illness often brings.
Health, however, is not only physical.
Across the country, many young people quietly struggle with anxiety, depression and the pressures of modern life. Workers cope with financial stress, long working hours and uncertainty about the future. Older persons often experience loneliness and isolation after a lifetime of caring for others. Mental health deserves the same understanding, compassion and attention as physical health. A society that cares for emotional well-being is a society that becomes stronger, kinder and more resilient.
At the other end of life’s journey stand the country’s senior citizens. They have spent decades building families, communities and the nation itself. They deserve to spend their later years with dignity, independence and peace of mind. Accessible healthcare, affordable medicines, rehabilitation services and community support are not acts of charity; they are expressions of gratitude and respect.
Health in a Changing Climate
The Philippines is also among the world’s most climate-vulnerable countries. Typhoons, floods, heatwaves and other climate-related events not only destroy homes and livelihoods; they also threaten public health by disrupting health services, contaminating water supplies, increasing the spread of infectious diseases and placing additional burdens on already vulnerable communities. Building climate-resilient healthcare systems must therefore become an integral part of building a healthier Philippines.
Protecting people’s health from the growing impacts of climate change is no longer only an environmental priority; it is an essential investment in sustainable development and national resilience.
Bringing Healthcare Closer to Every Community
For many Filipinos, the greatest challenge is not simply the quality of healthcare but the ability to reach it.
Families living in remote islands, mountainous communities, and geographically isolated barangays often travel long distances simply to consult a doctor or obtain essential medicines. For daily wage earners, seeking medical attention may also mean sacrificing a day’s income. Sometimes the cost of transportation, diagnostic tests, or prescribed medicines becomes as daunting as the illness itself.
Healthcare should never feel distant.
For most families, good healthcare begins not in a large tertiary hospital but in a trusted barangay health centre where familiar healthcare workers provide timely advice, preventive care, vaccinations, maternal services and early treatment close to home. Strengthening primary healthcare, expanding community-based services and embracing telemedicine and digital health can bring quality care closer to where people live rather than requiring people to travel great distances in search of it.
Equally important is investing in the country’s healthcare workforce. Doctors, nurses, midwives, barangay health workers and countless other frontline professionals form the backbone of the health system. Their dedication was demonstrated so powerfully during the COVID-19 pandemic, often under extraordinarily difficult circumstances. They deserve continued investment in training, better working conditions and opportunities for professional growth. Ensuring that underserved communities have access to skilled healthcare professionals is essential if the promise of equitable healthcare is to become a reality.
A healthier Philippines will not emerge from government programmes alone. It will be built through shared responsibility. Families who choose healthier lifestyles, communities that support one another, businesses that promote employee well-being, local governments that prioritise preventive healthcare, and civil society organisations that reach the most vulnerable all become partners in building a healthier nation.
When communities come together in this spirit, they demonstrate one of the Philippines’ greatest strengths: the enduring belief that progress is achieved not by individuals acting alone, but by people working together for the common good.
That shared commitment will become even more important as the nation seeks to address perhaps the greatest concern facing millions of Filipino families today—not only whether healthcare is available, but whether it remains affordable when it is needed most.
Part III: A National Compact for Health, Hope and Human Dignity
The dream of a healthier Philippines cannot be realised by government alone. Nor can it rest entirely on doctors, nurses, hospitals or health insurance providers. It must become a national compact—a shared commitment that places people at the very heart of development.
Every Filipino has a role to play. Families, communities, local governments, businesses, schools, faith-based organisations, civil society and the private sector all have a stake in building a healthier nation. When every sector moves in the same direction, the journey beyond the health divide becomes not only possible but achievable.
Yet if there is one concern that echoes most strongly across Filipino households, particularly among the poor and the vulnerable, it is this: Can we afford to fall sick?
For millions of families, illness is not only a medical challenge. It is also a financial shock.
A prolonged hospital stay, an emergency operation or the long-term treatment of diabetes, kidney disease, heart disease or cancer can consume years of hard-earned savings. Some families borrow heavily. Others sell productive assets or postpone their children’s education. Many delay seeking medical care altogether because they fear the cost almost as much as the illness itself.
No compassionate society should accept such choices as inevitable.
No parent should have to decide between buying life-saving medicines and putting food on the family table. No elderly couple should spend their retirement worrying that the next medical bill will become a burden on their children. No worker should continue suffering in silence because missing a day’s wages is simply not an option.
Healthcare should provide security, not uncertainty. It should protect families from poverty rather than push them deeper into it.
This is why affordability must become as important as accessibility. A hospital that cannot be afforded is no more accessible than one that cannot be reached.
Quality healthcare should be available not only to those with financial means but also to the jeepney driver, the farmer, the fisherman, the market vendor, the domestic worker, the factory employee, and every Filipino family striving to build a better future.
The Philippines has taken an important step through Universal Health Care, reflecting the nation’s commitment to equitable healthcare. The challenge now is to ensure that its promise is experienced by every Filipino. Health insurance and financial protection should not exist merely on paper. They should give every family confidence that when illness strikes, help will be available without driving them into financial distress. People should also find it easier to understand and access the benefits already available to them. A health system inspires trust when it is not only effective, but also simple, responsive and compassionate.
Equally important is continuing to strengthen the country’s first line of defence—primary healthcare. A well-equipped barangay health centre, staffed by dedicated health professionals, can often prevent small health problems from becoming life-threatening emergencies.
Early diagnosis, timely treatment, regular health screening, immunisation, maternal care and nutrition programmes not only save lives but also reduce long-term healthcare costs for families and for the nation.
The Philippines must also continue investing in its remarkable healthcare workforce. Doctors, nurses, midwives, barangay health workers and other frontline professionals are among the nation’s greatest assets. Their compassion and dedication touch lives every day, often under demanding circumstances. Supporting them through better training, modern facilities, opportunities for professional growth and incentives to serve underserved communities is not simply an investment in the health sector; it is an investment in the country’s future.
Technology, too, can become a powerful force for inclusion. Telemedicine, electronic health records, mobile health services and digital innovations can bring specialist advice and quality healthcare to communities that have long remained beyond the easy reach of major hospitals. Used wisely, technology can narrow inequalities and make quality care more accessible to every Filipino.
Ultimately, however, the strongest health system begins not inside hospitals but inside homes.
Healthy eating, regular exercise, childhood immunisation, routine medical check-ups, cleaner surroundings, responsible lifestyles and greater awareness of mental well-being all begin with everyday choices made by families. Communities that encourage healthy living, businesses that care for the well-being of their workers and local governments that invest in prevention rather than merely treatment all contribute to building a healthier nation.
The rewards of such a commitment extend far beyond the health sector.
Healthy children are better prepared to learn and fulfil their dreams. Healthy mothers build healthier families. Healthy workers are more productive, innovative and financially secure. Healthy older persons continue to enrich communities with their wisdom and experience. Businesses benefit from a stronger workforce. Communities become more resilient. The economy grows not simply because investment increases, but because its people are healthier, more confident and better equipped to seize opportunities.
History has shown that nations achieve lasting progress by investing in their people. Roads connect cities. Bridges connect communities. Digital networks connect businesses. But good health connects people to opportunity. It enables every Filipino to learn, to work, to care for loved ones and to contribute meaningfully to society.
The Philippines possesses all the ingredients needed to build such a future: a young and dynamic population, dedicated healthcare professionals, resilient communities and an enduring spirit of compassion and solidarity. By making healthcare more accessible, more affordable and more equitable, the country can build not only a healthier population but also a stronger economy, a fairer society and a more hopeful future.
A Final Reflection
Imagine a Philippines where every expectant mother receives safe and compassionate care. Where no child begins life at a disadvantage because of malnutrition or stunting. Where every barangay has dependable primary healthcare close to home. Where a jeepney driver no longer postpones treatment because he fears losing a day’s income. Where an elderly couple grows old with dignity instead of worrying about the next medical bill. Where no family is forced into poverty because a loved one falls ill.
This is not an impossible dream. It is a national choice.
Building a healthier Philippines is not simply about constructing more hospitals or purchasing more medical equipment. It is about protecting hope, preserving dignity, and unlocking the full potential of every Filipino.
Healthy people build healthy families. Healthy families build resilient communities. Resilient communities build prosperous economies. And prosperous economies create even greater opportunities for future generations.
In the final analysis, the true wealth of the Philippines will not be measured only by the size of its economy or the pace of its growth. It will be measured by something far more enduring—the health of its children, the security of its families, the dignity of its senior citizens and the confidence of its people. Investing in health, therefore, is not merely an expenditure. It is one of the wisest, most compassionate and most enduring investments the nation can ever make.
Indeed, the road to a stronger Philippines begins with healthier Filipinos.
MAYA, the Philippines’ leading digital financial services platform, won two accolades at the PR Awards Asia-Pacific 2026—Gold in the Best Brand Collaboration category and Silver in the Consumer Launch category. Its Welcome to Maya Black campaign was also shortlisted in the PR Event category.
Maya took home Gold in the Best Brand Collaboration category, a new award under the Effectiveness track, for its 2025 campaign, Save a Housemate. Save with Maya.
As young Filipino fans rallied behind their favorite housemate on Pinoy Big Brother—the Philippines’ longest-running reality show and local version of the global franchise—Maya saw an opportunity to encourage better financial habits.
By replacing the legacy SMS voting system with a seamless in-app experience, Maya introduced “Save-to-Vote,” where users first deposit money into their accounts, then cast a vote.
Integrated into weekly on-air segments and amplified through fan content, Maya became an essential part of the Pinoy Big Brother experience. The campaign generated strong engagement while making saving a natural part of how fans participated in the show, strengthening brand affinity and encouraging better money habits.
Maya also won Silver in the Consumer Launch category for its 2025 Welcome to Maya Black campaign.

Maya Black is a Visa Platinum travel and lifestyle credit card designed for aspirational, everyday spending. Powered by an AI-driven underwriting framework and integrated into a fully digital application experience, the Maya Black Credit Card gives more people the opportunity to qualify for premium credit from day one, including customers who have previously been underserved by traditional credit models.
From its first-person black-and-white launch film to its synchronized “Blackout” takeover, the Welcome to Maya Black campaign captured attention across platforms and reframed premium credit for a new generation. Apart from winning Silver, the campaign was also shortlisted in the PR Event category.
“These awards recognize the kind of work we believe in—building products and campaigns that address real customer needs in ways people genuinely connect with,” said Maya Group chief marketing officer Pepe Torres. “For us, creativity only matters if it creates real impact, and that’s the standard we continue to hold ourselves to.”
This marks Maya’s fourth consecutive year of recognition at the PR Awards Asia-Pacific, following awards for the PayMaya-to-Maya rebrand campaign launched in 2022, My Money, My Bank, My Way in 2023, and Get Banked with Maya in 2024.
The PR Awards Asia-Pacific, organized by Campaign Asia, honors impactful and creative public relations work across the region. It recognizes excellence in storytelling, brand communication and campaign effectiveness, while spotlighting standout talent and innovation in the industry.