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To Educate, Inculcate, Enlighten, Cultivate, Develop its Members on the word “SAVINGs”. For its Members “Financial Literacy”, Awareness to “SAVE” for unforeseen events.

Core Values

  • Respect – The policies of the Association and its fellow Members especially if as Co-Maker.
  • Integrity – Quality of Honesty, Moral Principles and Moral Uprightness.
  • Collaboration – Working on Cooperation and sympathy amongst its Members.
  • Commitment – is defined as follows:
    Dedication, Obligation, Responsibility & Undertaking to the Association and its Policies.
gemba inc. 2021- 2022
Our Service



To Achieve and Attain successfully the “Financial Literacy” amongst its Members.


The Association is an instrument, part, involved & share in the common effort and desired results of positive journey of its Members upon retirement & resignation.

Philosophy of Service

The Association’s set of Guiding Principles to support, solve and build Member Relationship especially anchored on the following:
• Ethical Altruism
• Moralistic Altruism

our team

Board of Trustees

Ms. Carmen D. RodriguezPresident/Trustee

Psalm 91:1-2 1 Whoever dwells in the shelter of the Most High will rest in the shadow of the Almighty. 2 I will say of the LORD, “He is my refuge and my fortress, my God, in whom I trust.” Psalm 15:2 The one whose walk is blameless, who does what is righteous, who speaks the truth from their heart; Psalm 16:1 Preserve me, O God: for in thee do I put my trust. Psalm 16:8 I keep my eyes always on the Lord. With him at my right hand, I will not be shaken.

Eleanor P. IlaganTreasurer/Trustee

Psalm 37: 4: Delight yourself in the Lord, and he will give you the desires of your heart.

Mr. Crisanto S. FrianezaDirector

Psalm 103:1-5 103 Bless the Lord, O my soul: and all that is within me, bless his holy name. 2 Bless the Lord, O my soul, and forget not all his benefits: 3 Who forgiveth all thine iniquities; who healeth all thy diseases; 4 Who redeemeth thy life from destruction; who crowneth thee with lovingkindness and tender mercies; 5 Who satisfieth thy mouth with good things; so that thy youth is renewed like the eagle's.

Maricar D. GenobeIndependent Director

Psalm 30:4-5 4 Sing the praises of the Lord, you his faithful people; praise his holy name. 5 For his anger lasts only a moment, but his favor lasts a lifetime; weeping may stay for the night, but rejoicing comes in the morning.

Ms. Shiela A. SabayleIndependent Director

Psalm 106:1 1 Praise the Lord. Give thanks to the Lord, for he is good; his love endures forever.

Ernest H. VillarizaCorporate Secretary

Psalm 139:14 14 I praise you because I am fearfully and wonderfully made; your works are wonderful, I know that full well.