For 54-year-old seedling producer Imelda Pedro from Barangay Balaoi, receiving an ATM card for the first time meant more than having a new way to receive payments. It gave her confidence that she and her fellow farmers could better provide for their families while continuing the conservation work that supports their community.
Pedro was among around 325 farmers, seedling producers, and family heads from ACEN’s host communities in Ilocos Norte who took part in financial literacy sessions and gained access to formal banking services through a partnership between ACEN and BDO Network Bank.
The program reached residents of Barangays Caunayan, Balaoi, and Caparispisan in Pagudpud, along with Barangay Tanap in Burgos, where ACEN operates its wind energy projects. Participants attended workshops on budgeting, saving, responsible financial planning, fraud awareness, and protecting their finances from scams.
Each participant also received a cash card or ATM card, making it easier to access their earnings and use digital banking for everyday transactions such as checking account balances, sending money, and paying bills.
The initiative also supports ACEN’s seedling production program by allowing farmers and seedling producers to receive payments directly through their bank accounts instead of traditional cash distribution.
“Our farmers and seedling producers are central to ACEN’s conservation efforts, and their inclusion in the formal banking system is key to building more resilient livelihoods and advancing sustainable development,” said Jesusa Arellano, Chief Finance Officer for ACEN Philippines Development and Operations.
Another participant, 48-year-old Minette Lagalo from Barangay Caunayan, said the training helped her family appreciate the value of saving and planning ahead. Learning how to use an ATM card also gave them greater confidence in managing their earnings safely and conveniently.
The seedlings produced by local farmers support ACEN’s Conservation Estate in Ilocos Norte, where biodiversity restoration and reforestation go hand in hand with the company’s renewable energy projects. Through the program, participating families earn additional income while helping restore local landscapes.
The partnership shows that community development can grow alongside environmental stewardship. When people receive the knowledge, tools, and opportunities to improve their lives, the impact reaches families and future generations alike.
If your organization, school, or group is planning a community project, consider combining livelihood support with financial education. A simple idea can empower families, strengthen communities, and inspire others to take part in creating lasting change.
