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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...

📚 🚨 The Hidden Crisis in Philippine Education: Millions Graduate Without Understanding What They Read 🚨

In 2024, a disturbing revelation emerged from the Philippine Statistics Authority (PSA): 5.58 million high school graduates in the Philippines—many of whom finished junior or senior high schoollack basic comprehension skills. While they can read and write, they cannot grasp the meaning of what they read. This issue is more than a statistic; it's a signal of a deeper problem within the country’s educational system.

📚 🚨 The Hidden Crisis in Philippine Education: Millions Graduate Without Understanding What They Read 🚨


📉 Unmasking Functional Illiteracy in High School Graduates

While the word “graduate” typically suggests someone is equipped with adequate academic skills, the PSA’s findings paint a different picture. These 5.58 million Filipinos, aged 10 to 64, have received diplomas but remain functionally illiterate—they struggle with reading comprehension, even if they can recognize words and write them down.

Functional illiteracy is not about the inability to read letters or form words. It’s about the inability to understand and use information. These individuals cannot follow written instructions, summarize a paragraph, or extract essential meaning from a simple passage. In real life, this means difficulty reading medicine labels, understanding legal documents, or filling out job applications.

This situation directly undermines the promise of basic education. If graduating from school does not guarantee reading comprehension, then what is the true value of a diploma?


🧠 The Bigger Picture: 18.9 Million Filipinos with Comprehension Struggles

The PSA clarified a misinterpretation of the data previously circulated. The 18.9 million people categorized as functionally illiterate include all individuals aged 10 to 64, regardless of educational background. Within this number, only 5.58 million are confirmed high school graduates.

What’s alarming is that some of these 18.9 million might have dropped out as early as Grade 8 or 9. But this fact doesn’t diminish the urgency of the issue—it intensifies it. The education system, as it currently stands, is failing both those who drop out and those who manage to stay in school.

As House Committee on Basic Education and Culture Chair Roman Romulo pointed out, slicing the numbers to exclude non-graduates doesn’t absolve the system of its shortcomings. The fact remains: millions of school graduates leave the classroom without gaining functional literacy.


📘 Why This Matters for the Nation's Future

In a world increasingly shaped by the digital economy, which hit ₱2.25 trillion in 2024 (8.5% of the Philippines’ GDP), the ability to comprehend information is crucial. Literacy is economic power. Functional illiteracy translates to fewer employment opportunities, poor civic engagement, and increased vulnerability to misinformation.

This isn't just a DepEd issue—it’s a national development crisis. A country cannot compete globally or raise its quality of life if its workforce cannot understand complex instructions, reports, or digital content.


🏫 Beyond Access: The Need for Quality in Philippine Education

The Philippines has long struggled to balance access to education with quality of education. While public school enrollment numbers may appear strong, the depth of learning remains shallow. Students are taught to memorize, not to analyze. To pass tests, not to solve real-life problems.

Improving this requires systemic changes: better teacher training, updated curricula, investment in school facilities, and most importantly, a shift from rote learning to critical thinking and comprehension-based teaching.

Until then, we’ll continue producing graduates who can read aloud—but cannot understand the words they're speaking.


💡 What Can Be Done?

Awareness is just the beginning. For real change, the following must happen:

  • The DepEd must refocus on comprehension-based outcomes, not just test scores.

  • Teachers need ongoing training in literacy instruction strategies.

  • Communities and parents must be engaged to reinforce reading at home.

  • Programs that track and support struggling readers must be implemented across grade levels.

The 5.58 million figure should not just be an item in a government report. It should be a national wake-up call.

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