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Filinvest Land opens amenity area for Tanauan City dev’t

FILINVEST LAND, Inc. (FLI) has opened its latest amenity area for its Sandia Homes residential development in Tanauan City, Batangas.

Sandia Homes’ amenities include a clubhouse, basketball court, playground area, and a swimming pool.

“These amenities are more than just recreational spaces; they are designed to foster a sense of community, promote wellness, and enrich the lives of those who call Sandia Homes their home,” Ethel Balicanta, FLI vice-president, said in a statement.

FLI aims to provide “a complete living experience” to raise the well-being of residents, she added.

Named after the Sandia mountain range in New Mexico, Sandia Homes is a community development under the smart-value brand Future of FLI.

Sandia Homes currently has 266 units available for sale. Lot sizes range from 60 to 75 square meters.

The property is situated near the South Luzon Expressway with easy access to schools and churches. It is 10 minutes away from the Tanauan City and Sto. Tomas City proper. — M. H. L. Antivola

SP New Energy fast-tracking clearing for P200-B solar project

PIXABAY

SP NEW ENERGY Corp. through its unit is fast-tracking site-clearing activities for the construction of its P200-billion Terra Solar project.

“Work has begun on clearing the site, which will eventually cover approximately 3,500 hectares in Nueva Ecija and Bulacan,” the company said in a statement at the weekend.

The site-clearing activities are conducted ahead of the construction of the project’s interconnection facilities with the national grid and the installation of more than five million solar panels.

The Terra Solar project will house 3,500 megawatts of solar panels and 4,000 megawatt-hours of battery storage system. It is expected to generate more than 5 billion kilowatt-hours of electricity yearly.

The total investment for the project is estimated at P200 billion.

SP New Energy last month said it had bought the entire stake of Prime Infrastructure, Inc. in a joint venture company, Terra Solar Philippines, Inc. for P6 billion.

In October, MGen Renewable Energy, Inc. (MGreen) took over SP New Energy with a P15.9-billion investment. MGreen is the renewable energy development arm of Meralco Powergen Corp., a wholly owned unit of Manila Electric Co.

SP New Energy last week said MGreen had completed the acquisition by paying the balance of P8.89 billion.

MGreen will own 15.7 billion common shares and 19.4 billion preferred shares in SP New Energy, for a total voting interest of 50.5%.

SP New Energy posted an attributable net loss of P49.73 million in the third quarter. — S.J. Talavera

Globe expects wider adoption of AI

REUTERS

GLOBE Telecom, Inc. expects wider adoption of artificial intelligence (AI) among Philippine companies, the company’s cloud unit Cascadeo said.

“We foresee generative AI refocusing — but not necessarily replacing — the digital transformation and managed services that power our customers’ success in the cloud,” Jared Reimer, president and chief technology officer at Cascadeo, said in a statement on Monday. “As the use of generative AI increases, businesses must learn to adopt instead of resisting the changes.”

The telecommunication company expects corporations this year to “fully embrace AI across every role and aspect of business” due to the growing interest in the use of AI-enabled applications.

About 80% of enterprises are projected to adopt AI application programming interfaces by 2026, Globe said, citing a Gartner study in October.

“With our industry-leading tech and expertise, Cascadeo is ready to help companies take their first steps into adopting generative AI and guide them through implementation,” Mr. Reimer said. “We will be there to guide them in migrating to a cloud environment that’s scalable and adaptive as AI evolves.”

Meanwhile, Aboitiz Data Innovation Pte. Ltd. (ADI) said cyber-attacks are driving the adoption of AI among enterprises.

“With the increase of digitalization, the increase of technology adoption, we have to unfortunately acknowledge that the bad actors are also going to increase,” David R. Hardoon, chief executive officer of ADI, said in a recent interview. “We should be, and we are effectively using AI to detect any irregularities.”

The company earlier said it seeks to integrate AI across the Aboitiz Group’s units to enhance its operations, specifically in financial services. — Ashley Erika O. Jose

A Filipino micropreneur’s tale of resilience

In the vibrant heart of Taft Avenue, Manila, my micropreneurial journey has been a tapestry woven with challenges and triumphs. As we stand on the cusp of a new year, reflecting on the management principles shaping my entrepreneurial narrative becomes imperative. Optimism, a crucial entrepreneurial trait, must co-exist with an understanding of the intricate business landscape. Embracing failures as invaluable lessons cultivates resilience and insight into the need for adaptive strategies, meticulous planning and commitment to action to navigate unpredictable seas of entrepreneurship.

This article will use the PESTEL (political, economic, social, technological, environmental and legal) framework to describe my micropreneurial journey. As a university lecturer tired of merely talking about business theories, I ventured to “walk the talk” by establishing my own food business. Despite facing setbacks and deciding to close before the New Year, I wish to share the lessons I have learned. Additionally, I would like to share insights gained from my trip to Vietnam and offer a unique perspective on the shared experiences of small businesses in diverse cultures.

The political climate was characterized by the cutthroat food market around schools. Witnessing the competition sidestep regulations on selling alcohol to students and violate safety regulations without suffering consequences stung. As a teacher of business ethics, I needed to set an example not only for my students but also for the broader community. I did not waver in my commitment to ethical standards and refused to go below the minimum threshold of the law. In this turbulent sea, understanding the intricate dance with local government emerged as a crucial skill. Our lessor’s unresponsiveness added complexity and underscored the need for astute formal and informal political navigation in entrepreneurial waters.

Like relentless tides, economic forces presented formidable challenges. Overhead expenses, notably rent and salaries, created a persistent undertow against the delicate financial balance of our small food business. The minimum wage in the Philippines for small businesses with 15 employees and below is P573, while in Vietnam, it is the equivalent of P410. However, this is fitting, considering Vietnam’s generally lower food cost and living expenses. Unfortunately, unintentional overstaffing in my business added to my financial burden, underscoring the need for finance managers to control various facets of an agile business.

In the vast sea of social dynamics, understanding the pulse of the community became paramount. In Vietnam, where three or more coffee shops line the same street, the preference for coffee over alcohol aligns with shifting preferences at Taft, where the price-sensitive student population is enamored with coffee over hearty meals. The fierce competition demanded creative and cost-effective strategies for us to stay afloat.

As the business world continues to sail through the digital age, technological hurdles persist. Navigating online food platforms, compounded by stiff contracts and exorbitant commissions, proved tricky. Troubleshooting login issues was like venturing into uncharted waters, where the supposed lighthouses, the customer service function of online food platforms, were difficult to find, leaving me in the dark. From troubles in Taft’s digital seas to the slower pace of technology in Vietnam, the pulse of innovation beats differently in every corner of the world. I realized that resilience and adaptability are the lifebuoys for micropreneurs.

In the ever-changing landscape, environmental forces revealed underlying considerations not taught in schools. For example, maintaining harmony with nearby competitors that blocked driveways and left trash lying around became an art of its own, demanding resilience and a commitment to community coexistence.

Daunting taxation requirements and ever-changing policies and processes required agile compliance. The intricacies of legal compliance became a test of micropreneurial mettle because one wrong move could lead to tumultuous waters. In this challenging journey, the captain must champion compliance and steer the ship through deep and murky legal waters.

Furthermore, despite the challenges posed by poor partnerships in the business, aspiring entrepreneurs should cultivate assertiveness and strategic foresight. This involves fostering open communication, conducting thorough due diligence in choosing partners and adapting swiftly when challenges arise.

As we start the new year, let this reflection remind us that despite the silent struggles faced by entrepreneurs, positive change is within reach. Let us embrace new beginnings, adapt to ever-changing seas and let resilience guide us toward a prosperous 2024.

 

Charisse Ang is an entrepreneur, family business owner and part-time lecturer at De La Salle University.

charisse.ang@dlsu.edu.ph

Depardieu accusations of sexual harassment expose divide in France

AN OPEN letter penned by dozens of actresses and other artists in defense of Gerard Depardieu, the cinema giant accused of sexual harassment, has laid bare divisions in France over the #Metoo reckoning with sexism.

Actresses Nathalie Baye and Carole Bouquet — a former partner of Depardieu — as well as singer and former first lady Carla Bruni were among the more than 50 household cultural figures who called Depardieu the victim of a public “lynching.”

Entitled ‘Don’t Cancel Gerard Depardieu,’ the letter published this week in conservative daily Le Figaro alleged Mr. Depardieu had been the recipient of a “torrent of hatred.”

“We can no longer remain silent in the face of the lynching that has descended upon him,” the letter’s authors wrote.

“Gerard Depardieu is probably the greatest of all actors. When you attack Gerard Depardieu like this, it is art you are attacking.”

Mr. Depardieu, 75, who has starred in scores of French-language movies, rising to prominence in 1974 with Going Places, has been at the center of a growing number of sexual assault allegations in recent years.

In March, 2022, investigative magistrates placed Mr. Depardieu under formal investigation in one case on suspicion of rape and sexual assault. Actress Charlotte Arnould, 28, later revealed she was behind those accusations, saying she could not bear remaining silent any longer. Since then, more than ten women have accused Mr. Depardieu of sexual violence.

Mr. Depardieu has consistently denied any wrongdoing and through his lawyers previously “firmly rejected” the accusations against him. 

“Never, absolutely never, have I abused a woman,” he wrote in an Oct. 2 letter also published in Le Figaro. He has not been convicted of any of the accusations against him.

President Emmanuel Macron rallied to the defense of Mr. Depardieu shortly before Christmas, when asked in an interview about his culture minister’s plans to review Mr. Depardieu’s Legion d’Honneur medal — France’s highest decoration.

Mr. Macron condemned the “manhunt” against Mr. Depardieu without expressing sympathy for his alleged victims. “He’s an immense actor, a genius of his art,” Mr. Macron said. “He makes France proud.”

GENERATIONAL DIVIDE
The president’s remarks and Monday’s letter drew dismay from feminists and younger actresses who decry an attempt to drown out the voices of victims of sexual violence and undermine the #Metoo movement against sexual harassment in France.

“There’s a generation that still doesn’t understand this societal evolution,” Murielle Reus, vice president of #MeTooMedia which campaigns against sexism and sexual misconduct in the media, said in a radio interview this week.

Critics of the #Metoo campaign in France accuse it of a puritanical fight fueled by a contempt for men and the art of seduction.

Catherine Deneuve, one of France’s best-known actresses, was among 100 French women who in 2018 wrote a newspaper column accusing the #Metoo campaign of going too far.

“We defend a right to pester, which is vital to sexual freedom,” they said.

Earlier this month, public broadcaster France 2 ran a documentary, Depardieu: The Fall of an Ogre, which showed the actor making lewd comments to women during a 2018 trip to North Korea and featured interviews with Arnould and another actress, Helene Darras, who in September filed a lawsuit against Mr. Depardieu alleging sexual assault.

Berenice Hamidi, a lecturer at the Lumiere Lyon 2 University said it was unsurprising the global #Metoo movement was born out of the US cinema industry, where she said livelihoods can be precarious and the boundaries of fact and fiction blurred.

“There is a real cultural exception in French cinema, which refuses to consider acts committed by artists as violence and to condemn them,” Ms. Hamidi told franceinfo radio.

Depardieu told RTL radio he considered those who wrote this week’s open letter to be “very courageous.” — Reuters

Why your dream home need not be 2,000 square feet

SUBURBAN dwellers might finally be embracing what those of us in cities have known for a long time: You don’t need a lot of square footage to have a comfortable living environment.

After decades of ever-swelling footprints, the size of Americans’ newly built homes has begun to shrink, as high mortgage rates and increased building costs nudge both developers and buyers to look for ways to trim expenses. The median single-family home completed in 2022 was 2,299 square feet, down from 2,467 in 2015.

I understand the frustration about more homes being squeezed in per neighborhood if you dreamed of having a big yard, but the size of homes around America today is outrageous. It’s likely that those in the millennial and Gen Z cohort who grew up in homes with spacious bedrooms, spare rooms earmarked for the occasional guest and as many bathrooms as bedrooms became acclimated to larger houses. But it’s time to readjust expectations of our own homes to the reality of the current housing market and the environmental toll of living in such big spaces. With the average household hovering at around 2.5 people, we just don’t need such large dwellings.

It has always boggled my mind that many Americans assume 2,000 square feet is needed to accommodate a family of four. I’ve spent my entire post-college adult life living in New York City — one of the areas in the United States known for compact living. I also spent nearly six years of my childhood living in Japan, another place famous for small but efficient living spaces.

The desire to have extensive square footage is a largely American phenomenon. (Not uniquely American, though. Australia, New Zealand and Canada all have large homes.) Twenty-seven states have an average home size of more than 2,000 square feet, according to the 2022 American Home Size Index, which analyzes Zillow data. The next nine states had square footage north of 1,900.

Compare those numbers with the 1960s, when the median square footage of a single-family home was 1,500 square feet, according to census data, despite generally larger family sizes.

In the 1960s, only 16.8% of homes had four or more bedrooms, and only 10.1% had 2.5 or more bathrooms. By 2009, around one-third of homes had four or more bedrooms and nearly half had at least 2.5 bathrooms, according to a Census Bureau paper. By 2015, 38% of homes had three or more bathrooms, a figure not even tracked until 1987.

What about the emergence of tiny houses or #vanlife, you say? Those fads, in part a reaction to the Great Recession and the housing market crash, attract a lot of attention for their novelty, but zoning laws and practical considerations mean they will likely remain niche causes.

Personally, I’m not so diehard about small space living that I want to live in a 500-square-foot tiny house (generally seen as the maximum to qualify for that designation) with my husband, dog and any future children. However, I do generally find it strange to prioritize square footage for things like massive primary bedrooms, when you spend so little waking time there, instead of allocating square footage to common spaces and storage and being able to reduce the overall size of a home.

Even if potential homebuyers are wary of losing square footage and lot size, there are two major perks. Reducing the size of your home has significant financial benefits with lower utility bills, likely lower property taxes and the need to buy less stuff to furnish your space. Homebuyers can also feel good about reducing their overall environmental impact.

Given the rise in climate anxiety and environmental engagement among millennials and Gen Z, the shift to smaller-space living is a way to truly put their money where their mouth is. — Bloomberg Opinion

Debt yields inch up amid profit taking

YIELDS on government securities (GS) rose slightly last week as the shortened trading period caused investors to pocket their gains and position before the year ended.

Rates, which move opposite to prices, went up by an average of 1.09 basis points (bps) week on week, based on PHP Bloomberg Valuation Service (BVAL) Reference Rates as of Dec. 29 published on the Philippine Dealing System’s website.

Yields at the short end of the curve mostly went up last week, with rates of the 91- and 364-day Treasury bills (T-bills) rising by 8.59 bps and 4.56 bps to 5.2438% and 5.8674%, respectively. Meanwhile, the 182-day T-bill fell by 0.55 bp to yield 5.5178%.

At the belly of the curve, yields on the two-, three-, and four-year Treasury bonds (T-bonds) declined by 1.83 bps (to 5.914%), 1.54 bps (5.9049%), and 0.49 bp (5.9144%), respectively. On the other hand, the rates of the five- and seven-year T-bonds rose by 0.95 bp (to 5.9386%) and 3 bps (to 5.9892%), respectively.

Rates of tenors at the long end mostly went down. Yields on the 20- and 25-year debt papers declined by 3.8 bps (to 6.0821%) and 0.4 bp (6.1241%), respectively. Meanwhile, the 10-year T-bond saw its rate rise by 3.47 bps to 6.0012%.

Total GS volume traded on Friday fell to P14.06 billion from P22.51 billion on Dec. 22.

Yields were mostly mixed last week as buying flow was met with sellers taking profits on earlier positions, Security Bank Corp. Chief Investment Officer for Trust and Asset Management Group Noel S. Reyes said in an e-mail.

“Such activity led to a quiet pause ahead of the new year and a new year auction,” Mr. Reyes said.

While the Bangko Sentral ng Pilipinas (BSP) has not signaled when it will pause, the US Federal Reserve’s easing hints led to “a sold rally of long-dated tenors for both the dollar and peso government bonds, flattening both curves,” he added.

BSP Governor Eli M. Remolona, Jr. last month said the central bank is unlikely to deliver any benchmark interest rate cuts in the next few months and is leaning towards keeping borrowing costs higher for longer. 

The BSP will only begin policy easing if inflation settles within a “comfortable” range or the midpoint of its 2-4% target band, Mr. Remolona said.

The central bank raised borrowing costs by a total of 450 bps from May 2022 to October 2023, bringing the policy rate to a 16-year high of 6.5%.

The BSP has said inflation could settle within the 2-4% target in the first quarter of 2024 but could overshoot the target again from April to July partly due to the El Niño weather event.

In the first 11 months of 2023, headline inflation averaged 6.2%, still above the BSP’s 6% forecast and 2-4% target for the year.

Meanwhile, the Fed last month kept borrowing costs unchanged at 5.25-5.5% for the third straight time. This was after it hiked policy rates by 525 bps from March 2022 to July 2023.

Markets expect the US central bank to begin easing its policy stance as early as March, with investors penciling in cuts worth up to 150 bps this year.

On the other hand, Rizal Commercial Banking Corp. Chief Economist Michael L. Ricafort said, “the last trading week of 2023 [saw] PHP BVAL yields mixed [with] little change, after declining for most weeks since November.”

“Government yields declined broadly for the year as domestic inflation retreated from historic highs at the end of 2022,” a bond trader added in an e-mail.

Trading volume remained muted due to the holiday season and as investors look forward to policy rate cuts from the BSP and US central banks by 2024, the trader said.

GS yields will remain influenced by the BSP’s policy guidance and the Fed as market participants continue to expect policy easing in 2024, the bond trader added.

Mr. Reyes said that “since inflation started to trend lower, yields too have come off in anticipation of the BSP pause which till now is expected to occur anytime till March 2024.”

“[For the coming weeks,] we expect a positive run on both curves with yields coming off and steepening the slope,” he added. — A.C. Abestano

Analysts’ December inflation rate estimates

HEADLINE INFLATION may have further eased in December and settled to within the 2-4% target for the first time in almost two years amid lower prices of fruits and vegetables, electricity and fuel, analysts said. Read the full story.

Analysts' December inflation rate estimates

How PSEi member stocks performed — December 29, 2023

Here’s a quick glance at how PSEi stocks fared on Friday, December 29, 2023.

Peso may trade at P54-P57 this year on monetary easing bets

THE PESO is seen moving within the P54 to P57 level against the dollar this year amid expectations of monetary policy easing at home and in the United States, and with markets watching oil prices to anticipate inflation trends.

The local currency closed at P55.37 versus the dollar on Friday, appreciating by 11 centavos from Thursday’s P55.48 finish, data from the Bankers Association of the Philippines’ website showed.

Dec. 29 was the last trading day for 2023. For the year, the peso appreciated by 38.5 centavos or 0.7% from its P55.755-per-dollar close at end-2022.

Meanwhile, week on week, the peso gained three centavos from its P55.40 close on Dec. 22.

The peso appreciated against the dollar this year amid the decline in global crude oil prices, Rizal Commercial Banking Corp. Chief Economist Michael L. Ricafort said in a Viber message.

Easing crude prices could reduce the country’s oil import bill and narrow the country’s trade deficit, as well as help bring down inflation towards the Bangko Sentral ng Pilipinas’ (BSP) 2-4% target, Mr. Ricafort said.

For this year, the peso could trade between P54 and P57 versus the dollar, with oil price movements and their effect on inflation to be a main trading driver, he said.

The US Federal Reserve and the BSP’s possible rate cuts this year amid expectations of slowing inflation will also affect foreign exchange trading, he added.

BSP Governor Eli M. Remolona, Jr. last month said the central bank is unlikely to deliver any benchmark interest rate cuts in the next few months and is leaning towards keeping borrowing costs higher for longer.

The BSP will only begin policy easing if inflation settles within a “comfortable” range or the midpoint of its 2-4% target band, Mr. Remolona said.

The central bank raised borrowing costs by a total of 450 bps from May 2022 to October 2023, bringing the policy rate to a 16-year high of 6.5%.

Meanwhile, the US central bank last month kept borrowing costs unchanged at 5.25-5.5% for the third straight time. This was after it hiked policy rates by 525 bps from March 2022 to July 2023.

Markets expect the Fed to begin easing its policy stance as early as March, with investors penciling in cuts worth up to 150 bps this year.

“Despite persistence of current account deficits, more peso strength can be seen in 2024 as global easing cycles typically underpin EM (emerging markets) currency gains,” Bank of the Philippine Islands Lead Economist Emilio S. Neri, Jr. said in a Viber message.

The BSP will likely “cap the peso’s appreciation” and keep it at the P54 level as the difference between the Fed and the BSP’s key rates begin to widen, Mr. Neri added.

Still, the peso could climb to the P53 level if the Fed cuts earlier and by bigger increments than market expectations, Mr. Neri added.

For this week, Mr. Ricafort said the peso could trade between P55.20 and P55.70 per dollar. — AMCS

Stocks may rebound this year as rates go down

PHILIPPINE STAR/KRIZ JOHN ROSALES

PHILIPPINE SHARES may rise this year as a robust economic outlook and expectations of monetary policy easing could lift market sentiment, analysts said.

The Philippine Stock Exchange index (PSEi) ended at 6,450.04 on Dec. 29, the last trading day of 2023. This was down by 116.35 points or 1.8% from its 6,566.39 finish at end-2022.

The market took a “rollercoaster ride” in 2023, China Bank Capital Corp. Managing Director Juan Paolo E. Colet said in a Viber message.

“We peaked in January, trended down in February, went into a sideways pattern from mid-March to August, cratered and ultimately hit the year’s intraday bottom on the last day of October, after which the index staged a strong rally,” Mr. Colet said.

Still, even after a weaker year for the Philippine stock market, the PSEi may rebound this year and could even climb to as high as 7,500, Mr. Colet said.

“We expect Philippine equities to do well in 2024, primarily on the back of better macroeconomic data and a dovish shift in monetary policy. Other factors that could attract funds to the stock market are capital markets reforms as well as significant progress in steps to liberalize the economic provisions of the Constitution,” he said.

The Bangko Sentral ng Pilipinas (BSP) is widely expected to begin cutting benchmark interest rates this year to keep a healthy differential with the US Federal Reserve.

However, BSP Governor Eli M. Remolona, Jr. last month said the central bank is unlikely to cut borrowing costs in the next few months and is leaning towards keeping rates higher for longer.

The central bank raised benchmark interest rates by a total of 450 basis points from May 2022 to October 2023, bringing the policy rate to a 16-year high of 6.5%.

The index could retest the 6,700 to 7,000 levels this year, Rizal Commercial Banking Corp. Chief Economist Michael L. Ricafort added in a Viber message.

“The PSEi could rebound in 2024 and could be positively affected by and play catch up with the bullishness in the United States and other major global stock markets,” Mr. Ricafort said. 

“For early 2024, there is a good chance for start of the year gains amid the possible tail end of the Santa Claus rally on Wall Street,” he said. 

However, investors could remain cautious during the first trading week of the year amid a lack of catalysts, Philstocks Financial, Inc. Senior Research Analyst Japhet Louis O. Tantiangco said in a Viber message.

December inflation data to be released on Friday could drive trading in the coming days, he said.

“An inflation print lower than the preceding month’s 4.1%, especially one which is near the lower end of the BSP’s 3.6-4.4% forecast range, may spur positive sentiment in the market. However, one which is faster than the preceding month may weigh on the local bourse,” Mr. Tantiangco added.

He put the PSEi’s support at 6,400 and resistance at 6,700 for this week. — R.M.D. Ochave

PEZA broadening search for economic zone investments

THE Philippine Economic Zone Authority (PEZA) said it is seeking “nontraditional” countries of origin for economic zone investments.

“Ang strategy kasi ng PEZA is how we can diversify ’yung basket of eggs natin (PEZA’s strategy is how we can diversify our basket of eggs). It cannot be reliant on one country alone so we’re reaching out to non-traditional sources,” PEZA Director General Tereso O. Panga told reporters last week.

He added that PEZA will also seek to ride the wave of Middle Eastern countries making clean energy investments.

“That’s why we’re looking into the Middle East (which is) veering away from fossil-based investments, so they want to diversify. And it cannot be just for the Middle East,” Mr. Panga said.

The Philippines had recently allowed full foreign ownership of renewable energy (RE) projects, as authorized by the Department of Energy’s Circular No. 2022-11-0034.

This had triggered an increase in RE investment. Foreign ownership of renewable projects was previously limited to 40%.

Mr. Panga said that the “China plus one” approach taken by investors seeking to diversify their manufacturing sites will be the main driver for the growth of PEZA investments in 2024.

He added that PEZA is in continued talks with China-based investors. “That’s one way we can mitigate the impact and the ones coming here are also industry leaders in their own right.”

Last week, PEZA said it is likely to take in P170 billion in investment for 2023, which would exceed its P154.77-billion target. — Adrian H. Halili

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