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"This paper aims at reviewing empirical literature on the perfomance and issues associated with commercialisation of microfinance institutions (MFIs). The popular approach believes that commercial-based operation can lead to financial self-sustainability without reducing the role to assist the poor. Although the growth in financial intermediation is evident, many commercialised MFIs remain dependence on subsidy and fail to achieve a greater outreach. hence, this approach highly undermines the social mission of microfinance to reach the poorest of the poor."

"In 2004, The Philippines Departement of Education unvieled a policy direction called schools first. For teachers, schools first meant developing a pool of educators capable of integrating information & communication technologies (ICTs) in education to enhance student learning...."