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LATEST COMMENTARY

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FIVE THINGS TO KNOW

6:10 PM4-minute read

ABOUT THE DISPUTE OVER CHANGING THE ORDER OF IMPEACHMENT WITNESSES

The argument at Thursday’s impeachment hearing was about which witness the prosecution could present next. It began with an absent lawyer and became a dispute over preparation and notice. Understanding the exchange helps explain why a courtroom can pause even when the parties, documents and another potential witness are already in the building.

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3:01 PM3-minute read

ABOUT MARK VILLAR’S MOVE TO THE SENATE MAJORITY

Senator Mark Villar has formally left the Senate minority and joined the majority. The October 8 move strengthens the bloc supporting the chamber’s leadership and gives Villar two significant positions. Its implications for Sara Duterte’s impeachment trial, however, require more than counting political allies.

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9:56 AM4-minute read

ABOUT THE MANAGER’S CHECKS AND THE QUESTIONS OVER SARA DUTERTE’S SALN

A bank balance can fall even when the value represented by the money has not disappeared. That distinction sits behind the prosecution’s questions about manager’s checks in Sara Duterte’s impeachment trial. To understand the October 7 testimony, we need to follow the instrument, the person entitled to its value and the declaration of assets for the relevant year.

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9:08 PM3-minute read

ABOUT WHAT COA’S REJECTION OF THE OVP APPEAL MEANS

COA has rejected the request to reconsider the ₱73.287-million disallowance involving the Office of the Vice President’s December 2022 confidential expenses. The October 5 resolution became public on October 7. Its significance is easier to understand when the amount, the audit finding and the available legal remedies are kept separate.

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7:47 AM3-minute read

ABOUT WHAT BANK SECRECY PROTECTS IN AN IMPEACHMENT TRIAL

The arguments over bank records in Sara Duterte’s impeachment trial involve several protections. The privacy of a peso deposit, the protection of a foreign-currency deposit, and the confidentiality of a report sent to the AMLC come from different rules. Understanding those differences helps explain what the court has allowed and what remains in dispute.

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8:43 AM8-minute read

ABOUT THE AMLC RECORDS IN SARA DUTERTE’S IMPEACHMENT TRIAL

₱4.4 billion is a figure that can dominate a conversation before anyone asks what it counts. AMLC Executive Director Ronel Buenaventura presented that approximate total in the Senate impeachment court on October 5, covering reported transactions involving Vice President Sara Duterte and her husband, Manases Carpio. He also explained that a bank correction had reduced the earlier figure of ₱6.7 billion.

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6:44 PM5-minute read

ABOUT THE COINS.PH CASH-IN RESTRICTION AND WHAT USERS SHOULD CHECK

If you use Coins.ph to receive money or pay bills, a failed cash-in can disrupt plans for the day. Coins.ph has announced that some incoming peso services are temporarily unavailable following a BSP directive to improve its internal controls. Its advisory also identifies services that existing customers can still use.

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12:00 PM5-minute read

ABOUT THE PROPOSED RULES ON SECONDHAND PHONES

A secondhand phone can put a useful device within reach of someone who cannot afford a new one. The problem comes when the buyer has no clear information about where it came from, what condition it is in, or who will fix it if it fails.

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8:35 PM6-minute read

ABOUT THE SUPREME COURT’S DECISION ON THE IMPEACHMENT VOTE THRESHOLD

The Supreme Court dismissed three petitions on September 30 challenging how the Senate impeachment court would count the votes needed to convict Vice President Sara Duterte. The dismissal leaves the Senate’s September 23 ruling in place, but it needs to be read carefully. A case can be dismissed because it does not meet the requirements for the Court to hear it, without settling whether the challenged action is constitutional.

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6:12 AM6-minute read

ABOUT WHAT BASTE DUTERTE SHOULD HAVE CHECKED AS MAYOR

Davao City Mayor Sebastian “Baste” Duterte told the Senate impeachment court on September 29 that he had been unfamiliar with GenCorp Industries Inc. before it came up in the proceedings. He also said he did not know about Vice President Sara Duterte’s declared business interest in the company.

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10:45 PM7-minute read

ABOUT THE OCTOBER WATER-RATE INCREASES

Metro Manila households served by Maynilad and Manila Water will see slightly higher water charges beginning October 1. The announced increases are small for many residential customers, but the figures vary by concessionaire and consumption level. That makes it easy to misunderstand a notice expressed only in centavos per cubic meter.

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7:21 AM6-minute read

ABOUT THE NOTE HANDED TO GIBO TEODORO IN SEOUL

Defense Secretary Gilberto “Gibo” Teodoro Jr. was answering questions at the Seoul Defense Dialogue on September 8 when a man handed him a note. He read it aloud, challenged its rejection of the 2016 South China Sea ruling and objected to being interrupted that way.

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9:55 AM8-minute read

ABOUT EL NIÑO AND PREPARING FOR LESS RAIN

It can be raining outside while PAGASA warns about El Niño. That can sound confusing when the immediate problem is a wet road or a flooded field. The two warnings describe different periods: the weather happening now and the rainfall conditions that may develop over the coming months.

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5:30 AM8-minute read

ABOUT THE NEW ARREST WARRANTS AGAINST ZALDY CO, MARTIN ROMUALDEZ AND TWO OTHERS

The Sandiganbayan has ordered the arrest of Zaldy Co, Martin Romualdez and two other accused in the plunder case filed on September 7. By Monday evening, authorities had served Romualdez's warrant and carried out booking procedures at Cardinal Santos Medical Center in San Juan. His arrest is a confirmed development; it does not establish that his three co-accused are also in custody.

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3:15 PM8-minute read

ABOUT THE PLUNDER CASE AGAINST MARTIN ROMUALDEZ

The Office of the Ombudsman filed a plunder case against former House Speaker Martin Romualdez at the Sandiganbayan on September 7 over his alleged involvement in flood-control kickbacks. The accusations have now reached the court that will handle the criminal case. Romualdez denies wrongdoing and remains presumed innocent.

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1:18 PM7-minute read

ABOUT THE NEW SWS POVERTY NUMBERS

Self-rated poverty and food poverty declined in June, but the figures also show how many Filipino families remain under pressure and why lower household budgets do not necessarily mean life became cheaper.

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2:02 PM11-minute read

ABOUT THE CHILDREN'S SOCIAL MEDIA SAFETY ACT

House Bill No. 9965 would bar children below 13 from having social media accounts, require parental consent for users aged 13 to 17, regulate platform algorithms, and impose fines reaching P50 million. It is still being deliberated in the House.

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12:02 PM7-minute read

ABOUT THE SEALED BIR BOX

Marcos authorized the BIR to comply with the Senate subpoena. That did not open the records to the public or prove the unexplained-wealth allegation.

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MCT READER PULSE · MCT-PULSE-2026-010

MCT READER SURVEY

If the Philippine presidential election were held today, who would you vote for as President and Vice President?

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This is an informal survey of people who choose to participate. It is not a scientific or nationally representative sample.

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August 27, 2026 · 8:55 AM6-minute read

ABOUT THE NEW GSIS EMERGENCY LOANS

Five checks government workers and pensioners should make before applying, from covered areas and deadlines to net proceeds and repayment.

A government worker checks a loan application on her phone inside a modest flood-affected home while neighbors clean the wet street outside.

The Government Service Insurance System has opened a ₱4.4-billion emergency-loan facility for government workers and pensioners in nine areas of Luzon affected by recent cyclones and the southwest monsoon.

More than 166,000 people may be eligible, but the deadline and amount depend on the borrower's location and existing GSIS loan record. Here are five checks to make before applying.

1

Your home or workplace must be in a covered calamity area

The current loan window covers Pampanga; Cavite; Rodriguez, Rizal; Calumpit and Hagonoy in Bulacan; Mangaldan, Dagupan City, and Santa Barbara in Pangasinan; and Masinloc, Zambales.

Active members may qualify if they live or work in a covered area. Old-age and disability pensioners may qualify if they live there. A nearby town's inclusion does not automatically make a person eligible because GSIS uses the declared calamity area and its own records to determine coverage.

For an active member, being in the correct location is only the first check. GSIS also reviews service status, premium payments, pending administrative or criminal cases, and the net salary that will remain after deductions. Pensioners must retain the required portion of their monthly pension after the new amortization is deducted.

This is why two people in the same municipality may receive different results. One may have a current employment record and enough take-home pay, while the other may need to correct an account, premium, address, or loan problem first.

WHAT TO WATCH

Check the current list in GSIS Touch or through an official GSIS channel before applying. Additional areas may be added if they are declared under a state of calamity and the required information reaches GSIS.

2

The application deadline is different for each area

Members and pensioners in Pampanga, Calumpit, Mangaldan, and Dagupan City may apply until September 13. The deadline is September 18 for Santa Barbara, and September 20 for Hagonoy and Masinloc. Cavite applications are open until November 12, while those in Rodriguez are open until November 16.

These are closing dates, not a promise that every application filed on the final day will be approved. Waiting until the deadline also leaves less time to resolve an account or eligibility problem.

The wide difference between September and November deadlines comes from when each locality completed the calamity declaration and the supporting process required to open the loan window. Borrowers should use the date assigned to their own area. A social-media post about another province may carry the wrong deadline for them.

Applicants should also avoid assuming that a deadline will automatically be extended after another period of rain. GSIS can issue a new announcement, but borrowers should work from the official closing date currently shown in the system.

WHAT TO WATCH

Confirm the date shown for your area inside the official application channel. If the loan option does not appear, contact GSIS early enough to correct your address, employment, pension, or account record.

3

The available amount depends on an existing emergency loan

A qualified borrower without an existing emergency loan may borrow up to ₱20,000. A qualified borrower with an outstanding emergency-loan balance may apply for up to ₱40,000. Part of the new amount will first settle the previous balance, so the cash actually released may be lower than ₱40,000.

The word "up to" is important. Eligibility for the program does not guarantee the maximum amount or approval because GSIS still applies its loan rules and checks the borrower's account.

A borrower renewing an emergency loan should pay close attention to the net proceeds. If someone is approved for ₱40,000 and part of that amount is used to clear the previous emergency-loan balance, only what remains after that settlement and any applicable deductions will be released. The ₱40,000 figure should never be treated as automatic cash in hand.

Before accepting the loan, the borrower should ask whether the amount released is enough for the intended recovery expense. Taking a new three-year obligation for a small net amount may not always be the best choice.

WHAT TO WATCH

Review the estimated proceeds before confirming the application. Look separately at the gross loan, the amount used to pay the old balance, deductions, and the net amount that will reach your account.

4

This is a three-year loan with interest

The emergency loan is payable in 36 equal monthly installments at 6 percent interest per year, computed in advance. It also carries loan redemption insurance, which can settle the balance if the borrower dies while payments are up to date.

Emergency access can help with urgent repairs, food, medicine, or other recovery costs. It still creates a monthly obligation. Borrowers should compare the expected installment with their take-home pay or pension before accepting it.

Interest computed in advance deserves attention. The stated 6 percent rate is applied differently from interest calculated every month on a declining balance, so the borrower should look at the total repayment shown in the disclosure rather than judging the cost from the percentage alone. The insurance is useful protection, but it does not remove the duty to keep the account current while the borrower is alive.

The loan may be more manageable than borrowing from an informal lender, but that does not make it free relief. It should be used for needs that justify three years of deductions.

WHAT TO WATCH

Read the disclosure and repayment schedule shown before final confirmation. Check the first due date, monthly deduction, total repayment, and the effect of late or missed payments.

5

Apply through the official GSIS channel and check your records first

GSIS says applications may be filed through the GSIS Touch mobile application. Approved proceeds are credited to the borrower's GSIS eCard or UMID card.

Active members must satisfy GSIS eligibility rules, including active-service, premium-payment, case-status, and net-take-home-pay requirements. Pensioners must retain the required share of their monthly pension after the loan deduction. An incorrect address, missing premium, inactive card, or unresolved account record can delay the application.

The app should show whether the emergency-loan option is available and provide the terms before final confirmation. Borrowers should read every amount on that screen and keep a screenshot or transaction reference after submitting. Approved proceeds should go to the registered GSIS account, not to a private processor, recruiter, or middleman.

Anyone who cannot see the correct loan window should contact GSIS through its official website, verified social-media pages, or contact center. Sharing an account password or one-time PIN with a person offering to "fix" the application creates a separate risk of fraud.

WHAT TO WATCH

Use only the official GSIS app and never pay a person to process the loan. Before applying, verify your contact details, service or pension status, bank card, premium record, and existing emergency-loan balance.

BOTTOM LINE

The loan can provide quick help, but eligibility begins with the covered location and ends with the borrower's actual GSIS record. Check the deadline, expected net proceeds, monthly repayment, and official account details before pressing confirm. A calamity loan should support recovery without creating a surprise deduction later.

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