BAYAD CENTER “SAPAT DAPAT' ADVOCACY Nurturing the Youth to be Financially Stable in the Future - Cebu X-Geeks


Wednesday, February 13, 2019

BAYAD CENTER “SAPAT DAPAT' ADVOCACY Nurturing the Youth to be Financially Stable in the Future

Cebu City, Philippines- The Asian Development Bank recently showed studies that the Philippines does not have strategies laid out for financial education. As a result, the country is ranked 68th on a worldwide financial literacy index. Filipinos nowadays encounter financial crises at an early stage due to lack of proper education in managing finances, budgeting, and prioritizing needs and wants. Tools and innovations may readily be available but unless a deeper and more comprehensive approach is instilled in one's own values, individuals will still end up with loans and debts left to right. They will be trapped in a cycle of poverty, without the ability to build better lives for themselves.

This is the reason why CIS Bayad Center, Inc. (Bayad Center) teamed up with the Department of Education and Marylindbert International to embark on "Bayad Center Sapat Dapat" Comprehensive School Program, an advocacy on financial literacy. Bayad Center believes that Filipino deserves to be rewarded for their hard work. Their mission is simply to make paying bills easier and less of a burden for every Filipino wherever they may be. It is in this light that Bayad Center sees the need to advocate budgeting, saving and priority-setting to Filipinos in order to help everyone become financially literate and bring the level of financial knowledge to a higher scale.

The “Sapat Dapat" Comprehensive School Program is envisioned to become part of the value formation process of the high school students nationwide, making a profound, positive effect in their mindset. Aside from being part of the school curriculum, students, and teachers included, will be engaged in a series of activities integrating financial literacy in every school activity, one of which is the "Sapat Dapat Quiz Bee".

The advocacy is envisioned by Bayad Center to be a tool for every Filipino to be free from debts and
become financially literate. By advocating to both children and adults the value of financial literacy, Bayad Center Sapat Dapat Comprehensive School Program becomes an instrument in empowering Filipinos and bringing the nation's financial awareness to the next level.

To sustain and expand the advocacy, Bayad Center is looking for "Sapat Dapat" partner brands who share the same passion in reaching out to the grass-roots and educating them.

CIS Bayad Center, Inc. is the country's pioneer and premier multi-channel payment platform to date and is a member of the Meralco Group of Subsidiaries.


Literally means "must be enough" where everything should be financially and economically enough.

Everything should be "Sakto Jud"; everything should be "Sapat Dapat"


The Sapat Dapat program was launched last year and is now piloted in 15 schools in Cebu region

  • Abellana National High School
  • Don Vicente Rama National High School
  • Pardo National High School
  • Ramon Duterte National High School
  • Camp Lapu Lapu National High School
  • Tisa High School
  • Babag National High School
  • Marigondon National High School
  • Bankal National High School
  • Mactan National High School
  • Mandaue City Comprehensive NHS
  • Paknaan National High School
  • Cabancalan National High School
  • Carcar Central National High School
  • Ocana National High School

Sapat Dapat is a sustainable program; it will be running for 3 years from 2018-2021. This year, it is expected to scale up adopting more schools in Cebu and extending the advocacy to Davao.


Bayad Center Sapat Dapat has 3 program components: KNOWLEDEGE LEVEL, EMOTIONAL LEVEL, EXPERIENTIAL LEVEL.

KNOWLEDGE LEVEL-demands the use of mind. Financial Literacy is incorporated in the Values Education, Math, English, Social Studies and Economic subjects in High School. Teaching and Learning materials like Workbooks are provided. Research and Writing of workbooks are done by DepEd.

EMOTIONAL LEVEL-appeals to the heart. Learnings in classroom are given a different dimension by appealing and touching the emotions and other senses. Bayad Center has 2 components of School

  • Sapat Dapat Day: It is whole day activity dedicated to Financial Literacy. There are activities for both students and parents (Entrepreneurial videos, Lectures on proper budgeting, money matters, Interactive Games).
  • Bayad Center Einstein: Bill subsidy will be given to students with Academic excellence recognition.

EXPERIENTIAL LEVEL-hands-on application. Learning should be felt and experienced. This is the application process of the whole program. A Bayad Center quiz bee is conducted from the elimination to the finals round. The competition is open for all students in Cebu region. Winners will be given bill subsidy by Bayad Center.


  • Sapat Dapat aims to to make a profound positive effect in the STUDENT's mindset by educating them about Financial Education.
  • To increase Financial Literacy, Sapat Dapat caters to PARENTS, TEACHERS& LOCAL GOVERNMENT UNITS who has very little "know-how" about budgeting. 
  • The program will also improve the Financial Awareness of the GENERAL PUBLIC.
  • This also caters to Corporate Institutions who have the same goal and thrust by Bayad Center and are willing to be a part of this Corporate Social Responsibility Footprint.


Bayad Center is the country's biggest and widest multi-channel payment platform in the Philippines. With 20 solid years in the outsourced payment collection industry and with over 200 types of bills accepted in its more than 30,000 payment collection sites nationwide Bayad Center has become the most trusted brand in bills payment, offering a reliable, hassle free experience of paying bills anytime, anywhere.

It is the pioneer and market-leader in the outsourced bills payment collection industry.

CIS BAYAD CENTER, INC. is a wholly-owned subsidiary of the Manila Electric Company (Meralco) and a member of the MVP Group of Companies.

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