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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: πŸ“LOW INTEREST RATE πŸ“LOAN AMOUNT UP TO 500,000 πŸ“5 YEARS MAXIMUM LOAN TERM πŸ“NO HIDDEN CHARGES πŸ“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...

πŸ“˜ Mapping Literacy Growth: Understanding Reading Profiles in Key Stage 1 vs. Key Stages 2–3 πŸŒ±πŸ“–

Reading is more than just a school subject—it’s a lifelong foundation for learning, communication, and critical thinking. In the Philippines, two major assessment tools help educators gauge where learners are on their literacy journey: the CRLA Profiles for Key Stage 1 (Grades 1–3) and the Phil-IRI Profiles for Key Stages 2–3 (Grades 4–10).

πŸ“˜ Mapping Literacy Growth: Understanding Reading Profiles in Key Stage 1 vs. Key Stages 2–3 πŸŒ±πŸ“–

Each of these tools defines reading profiles that reflect a learner’s ability to decode, understand, and respond to texts. While both aim to improve reading performance, they cater to different stages of cognitive and language development. Let’s examine their profile descriptions and understand how they guide effective reading instruction.


πŸ§’ Key Stage 1 (CRLA): Early Reading Development Begins Here πŸ…°️

In the early grades, students are still forming the building blocks of reading—letter recognition, phonemic awareness, and basic comprehension. The CRLA (Comprehensive Reading Literacy Assessment) captures this phase through four distinct profiles:

πŸ”€ Emerging Profile

Learners in this stage show limited phonological awareness and often know only a few letters. They try to read by sounding out or identifying syllables but fail to recognize whole words. Comprehension is weak or absent. According to the Department of Education, these learners need intensive, targeted instruction to build foundational skills like phonics and decoding.

πŸ›  Developing Profile

Here, learners begin to decode simple words and phrases. They possess basic phonological skills but require constant teacher support to improve automaticity, fluency, and text comprehension. This stage highlights the importance of guided reading strategies, especially in L1 (first language) environments.

πŸ”„ Transitioning Profile

These learners show improved skills but are still mastering accuracy and fluency. They benefit from regular practice to sharpen decoding and comprehension, though they are no longer completely dependent. Instructional scaffolding remains essential at this level.

🌟 Reading at Grade Level

Students at this level have solid letter knowledge, strong phonological awareness, and competent decoding skills. They can read various texts in L1 and L2, and are starting to develop in L3. They show increasing independence in both oral reading fluency and text understanding—a sign of readiness for more complex academic content.


πŸ§‘ Key Stages 2–3 (Phil-IRI): From Struggling to Fluent Readers πŸ“š

Once learners enter Grades 4–10, they are expected to move from learning how to read to using reading as a tool for learning. The Phil-IRI (Philippine Informal Reading Inventory) describes their reading capacity using three practical levels:

🚫 Frustration Level

Learners at this stage are unable to handle grade-level texts independently. They show serious difficulties in decoding, fluency, and comprehension. According to UNESCO, readers in this group are at high risk of academic failure without urgent and targeted interventions.

🧩 Instructional Level

At this level, learners can partially comprehend texts with support. They’re developing, but not yet ready to read independently. This profile mirrors the CRLA's Transitioning stage and demands focused instruction, peer collaboration, and teacher-led guidance. As noted by the World Bank, learners here can still close the literacy gap with consistent, strategic help.

Independent Level

The goal of every literacy program, this level represents readers who can handle texts on their own. They demonstrate strong fluency, comprehension, and can read across subjects. These learners thrive with minimal or no assistance, and their skills support higher-order thinking, analysis, and independent study—hallmarks of academic readiness.


πŸ” Why the Distinction Matters: Matching Instruction to Developmental Needs

By comparing CRLA (Key Stage 1) and Phil-IRI (Key Stages 2–3) profiles, teachers can better tailor reading programs. These descriptions don’t just classify learners—they provide a roadmap for intervention. Here’s why this distinction is critical:

  • CRLA focuses on foundational literacy—ideal for early readers developing core phonics and decoding.

  • Phil-IRI assesses applied literacy skills—vital for older students using reading in content areas like science, history, and math.

Aligning teaching strategies with these profiles helps bridge learning gaps, prevents dropouts, and ensures that no child is left behind in literacy.


🧠 Research-Backed Insights

According to the Department of Education (Philippines), integrating CRLA and Phil-IRI results allows educators to trace student growth and implement data-driven reading interventions. Meanwhile, the World Bank Learning Poverty Report stresses that identifying struggling readers early through such tools is key to addressing functional illiteracy.

By understanding these reading profile descriptions, educators are empowered to foster confident, fluent readers ready for lifelong success.

Dictionary with Examples

πŸ“˜ Dictionary with Sentence Examples

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