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RNG Bank Salary Loan Table for DepEd Teachers

Salary Loan Table - RNG Coastal Bank RNG Bank offers salary loan for permanent DepEd teaching and non-teaching staff thru Automatic Payroll Deduction System (APDS). Features: 📍LOW INTEREST RATE 📍LOAN AMOUNT UP TO 500,000 📍5 YEARS MAXIMUM LOAN TERM 📍NO HIDDEN CHARGES 📍NO NEED TO GO TO THE OFFICE A Bank that is built with trust and integrity and committed to provide quality and safe banking services to its existing and future clients, RNG Coastal Bank, Inc . is a banking institution established in the year 1974. The Bank has 15 operating branches in the Visayas, 11 in Cebu and 4 in Bohol. Providing various financial products and services to its clients for almost 50 years, RNG Coastal Bank remains strong and continuously grows its number of branches to reach more Filipinos. Here are the branches of RNG Coastal Bank: RNG Coastal Bank Head Office Cor. Cabancalan Road, Talamban, Cebu City 6000 Labangon Branch Punta Princesa, (Labangon) Cebu City Asturias Branch Poblacion, Asturias, Ce...

Understanding the Anti-Graft and Corrupt Practices Act: Republic Act No. 3019

Fighting Corruption in the Philippines

Corruption has long been one of the biggest challenges in Philippine governance. To address this, Republic Act No. 3019, or the Anti-Graft and Corrupt Practices Act, was enacted on August 17, 1960. This law aims to promote integrity, accountability, and transparency in public service by punishing corrupt practices of public officials and private individuals involved in government transactions.

What is Republic Act No. 3019?

RA 3019 is based on the principle that a public office is a public trust. This means that government officials and employees must serve the people honestly, fairly, and without self-interest. The law outlines specific acts that constitute corruption, provides penalties for violations, and sets mechanisms for ensuring accountability.

Key Provisions of the Anti-Graft and Corrupt Practices Act

1. What Constitutes Corruption?

Under Section 3 of the law, several acts are considered corrupt practices of public officers, including:

  • Bribery and Influence-Peddling

    • Persuading or influencing another public official to commit illegal acts.
    • Receiving gifts, commissions, or favors in exchange for government contracts or permits.

  • Conflicts of Interest

    • Having a financial interest in a government transaction while serving as a public officer.
    • Approving business deals that personally benefit the official.

  • Neglect of Duty

    • Deliberately delaying or refusing to act on official matters to demand bribes.
    • Entering into contracts that are grossly disadvantageous to the government.

  • Leaking Confidential Information

    • Divulging government secrets to unauthorized individuals for personal gain.

These actions do not only apply to government officials but also to private individuals who induce or participate in corrupt practices.

2. Who is Covered by the Law?

The law applies to:
✅ All public officers – Whether elected, appointed, temporary, or permanent.
✅ Private individuals – Anyone who conspires with a public officer in corrupt transactions.
✅ Government agencies – Including national and local government offices, government-owned corporations, and instrumentalities.

3. Penalties for Violations

RA 3019 imposes severe punishments on those found guilty of corruption:

  • Imprisonment of one to ten years
  • Perpetual disqualification from holding public office
  • Forfeiture of illegally acquired wealth in favor of the government

Additionally, officials who fail to file their Statement of Assets, Liabilities, and Net Worth (SALN) may face fines, suspension, or dismissal from service.

4. Preventive Measures: Transparency and Accountability

To curb corruption, the law mandates:

  • Regular Asset and Liability Reports

    • Public officials must declare their assets, income, and business interests every January to ensure no unexplained wealth is accumulated.

  • Suspension and Removal

    • If an official is facing corruption charges, they must be suspended from office until the case is resolved.

  • Whistleblower Protection

    • The law encourages citizens to report corruption and provides legal protection for whistleblowers.

Why This Law Matters Today

Even though RA 3019 was enacted over 60 years ago, it remains one of the most important anti-corruption laws in the Philippines. It has served as the legal foundation for major investigations, such as:

📌 The PDAF (Priority Development Assistance Fund) scam, which involved billions of pesos in government funds being misused.
📌 Corruption cases involving high-ranking officials, including governors, congressmen, and even cabinet members.

In 2025, the fight against corruption continues. With technology and greater public awareness, citizens now have more tools to hold public officials accountable through social media, investigative journalism, and digital reporting platforms.

Final Thoughts: A Call for Good Governance

RA 3019 reminds us that corruption weakens democracy and hinders economic growth. While laws like this help deter illegal acts, it is ultimately up to Filipinos to demand transparency and integrity from their leaders.

💡 What can we do?
✅ Report corrupt activities – Use government hotlines and online platforms.
✅ Hold officials accountable – Participate in elections and monitor government spending.
✅ Promote transparency – Support policies that enhance public access to information.

The fight against corruption is not just the government's responsibility—it is every citizen’s duty.

Do you think RA 3019 is still effective today? Share your thoughts in the comments! ⬇️

Dictionary with Examples

📘 Dictionary with Sentence Examples

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