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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...

What Is a Functional Illiterate — And Why 24.8 Million Filipinos Are at Risk

Have you ever met someone who can read sentences but struggles to truly understand them? That’s what we call a functional illiterate—a person who can read and write basic words, but has trouble applying that knowledge in everyday life. Shockingly, around 24.8 million Filipinos fall under this category, according to the latest education commission report.

Students in a Filipino classroom practicing reading and writing with their teacher.

It’s not just a statistic—it’s a reflection of how our education system and society are failing to equip people with practical skills for real-world understanding.


What Does “Functional Illiterate” Mean?

functional illiterate is someone who technically knows how to read and write but cannot fully comprehend, analyze, or use written information effectively.

For example:

  • They can read a bus sign but struggle to follow written instructions.

  • They might read a medicine label but misinterpret the dosage.

  • They can sign a document but don’t fully grasp its meaning.

In simple terms, it’s literacy without understanding—a silent learning crisis that limits job opportunities, financial independence, and even everyday decision-making.


Why the Numbers Are Rising in the Philippines

According to the Second Congressional Commission on Education (EDCOM 2), the number of functionally illiterate Filipinos nearly doubled in the past 30 years—from 14.5 million in 1993 to 24.8 million in 2024.

One major reason? The Department of Education (DepEd) has been spread too thin. The agency is currently involved in over 261 interagency programs—many outside its core mission of improving basic education. Teachers are overworked with non-teaching duties like administrative reports, feeding programs, and community coordination, leaving less time for real instruction.

As a result, classroom quality declines, learning gaps widen, and literacy stagnates.


The Real-World Impact of Functional Illiteracy

Functional illiteracy affects more than grades—it impacts lives. Here’s how:

  1. Employment Struggles: Many jobs require reading comprehension, report writing, or understanding technical instructions.

  2. Financial Challenges: Functionally illiterate adults may misinterpret bills, contracts, or online transactions.

  3. Health Risks: Misreading prescription labels or health advisories can lead to mistakes.

  4. Social Exclusion: Low literacy can make people less confident to participate in civic or community discussions.


Did You Know? πŸ’‘

  • The Philippines once had one of the highest literacy rates in Asia, but functional literacy hasn’t kept pace.

  • In some rural areas, students can graduate without mastering basic comprehension skills.

  • DepEd’s proposed “education cluster” aims to refocus on literacy and learning quality.


Can We Fix Functional Illiteracy?

EDCOM 2 recommends streamlining DepEd’s functions and ensuring every region has fair access to resources. There’s also a push for Alternative Learning Systems (ALS) and more community-based literacy programs.

But beyond government reforms, families and local communities also play a role. Reading at home, promoting curiosity, and supporting teachers can help create a culture where literacy truly means understanding, not just decoding.


Personal Insight

When I think about functional illiteracy, I remember helping a tricycle driver fill out an online form for his child’s scholarship. He could read English words, but he didn’t understand what “household income” meant. It was a small moment—but it opened my eyes to how education isn’t just about schooling; it’s about empowerment.


Wrap-Up

Being a functional illiterate isn’t about intelligence—it’s about access and opportunity. To solve this issue, the Philippines needs a collective effort to make learning practical, inclusive, and meaningful.

Do you think our schools today are teaching real-life literacy skills? Share your thoughts in the comments!

Dictionary with Examples

πŸ“˜ Dictionary with Sentence Examples

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