Cerilo Delfin (Regional Awardee - 2008 Citi MOTY Awards, Masikap Category): Client of First Isabela Cooperative Bank (FICO Bank); served as a soldier for 21 years before availing of an early retirement plan; unsuccessfully tried his hand at farming; started puto-kutchinta (native delicacies) production in 2005 using his small savings as capital; used his PhP20,000 initial loan from FICO Bank to acquire equipment; now has 22 vendors who sell his products in the town of Alicia and nearby towns. (Video courtesy of Citi Philippines and Microfinance Council of the Philippines, Inc.)
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