Expressgate Could Vace

2009

1.
Oriencoop
public-private partnership
When talking about corporate social responsibility (CSR), Oriencoop, the second credit union's most important in Chile, has a lot to say in one year jumped from twelfth place to first place in the ranking that makes and publishes PROhumana happens.

Its general manager, Nelson Jofre, explains that through the financial activities play an important social role, as "bank sectors in which traditional banking does not penetrate, because it is not profitable or because there is no justification to install a branch in a small town. "But along with providing financial services to underserved segments of the population, we also try to help improve their quality of life. Therefore, the same executive who leads a client in financial services, also gives advice on the application to social programs, "says Jofre.
The key to this strategy is the public-private partnership, either with the central government or the municipalities, whatever their political stripe, explained from this company with 54 years of existence. Frequently allies in this line are Indap, Fosis Injuv, Sernam Sename and Chiledeportes.
Through this alliance, have three major lines about working with the community. The first is aimed at children and youth at risk and implements programs related to drug and alcohol prevention, promoting the sport and summer schools.

The second priority focuses on gender issues. "We are working closely with the Sernam and we are certified with the seal Iguala that basically verifies that international standards of parity and gender equality in the workplace and outside of market strategy," said Jofre.
The third focus is the elderly, who represent one third of the clientele of Oriencoop.
- De have somehow become a social actor within the community.
More than an actor, we are an executor of various social programs offered by the State in the various locations where we operate. But we do not do anything, we do so because much of the market served by us have such needs. Region VII, for example, is among the regions with higher rates of domestic violence, increased abuse of women, more alcoholism and unemployment. We have many social needs and that always makes a seal of the cooperative has been a high commitment to the community. In our business plan of the year, a good percentage of the budget by definition CSR must go because it is for us to do with self-sustainability of the business model: I am interested in single-mother and her son what little I can save you save in a book Oriencoop, and for that I have to help.
- How do they make workers aware of these standards and incorporate them into their daily practice?
Training. Exis a comprehensive induction program of the worker since it is incorporated, which has both classroom lectures and also a part of "learning by doing." For example, the guiding principles of the code of conduct, I explain myself. But we also have a motivational plan developed at different levels: new workers, workers aged 5 to 10 years, and 10 and older. This plan includes motivational workshops, training for work and family benefits. We also have non-monetary rewards and compensation that are very well received and valued by workers, for example, that her birthday is completely free. So we have high levels of retention of talent.
- Do you have special plans to promote savings and anticipation among your employees?

Yes, we not only encourage the savings of our workers, but also that of their children. For example, a worker who opens a savings account us at one of their children and not more than a certain number of withdrawals per year, it subsidized the interest rate by 25% annually. We also have scheduled retirement plans for people who are close to retirement.
Are there systematic methods of evaluation of their CSR programs? -

contemplate an annual evaluation plan of the three dimensions of CSR: social, economic and environmental. We also have external certification, and this year we will publish an annual Sustainability Report.
Who does the head of CSR?

"We have a unit Corporate Social Responsibility reporting directly to the CEO, and through this directory. And budget status is similar to the production managers. A few months ago as well, and in order to strengthen our CSR activities constitute a foundation, which aims to deepen this and improve lines of financing. The idea was born, and that it is a financial institution had many activities and projects could not run that could not be awarded by a company for profit. By having a foundation, the scenery changes.

2. Microsoft

Connecting technology and education
Citizenship Team (CSR) is located in one of the computer refurbishing laboratories, conducted by the Foundation Chilenter. Microsoft contributes to this process with software licenses.

Despite being a renowned multinational company, Microsoft knows that in every country in which they operate has different needs. In Chile, for example, are aware of the importance of promoting programs that strengthen education and innovation. Therefore, the general manager of the Chilean subsidiary, Luiz Marcelo Marrey, has set as one of its main objectives the social perspective on CSR. "That's where we can impact more directly, "he says.
" The technology has the potential to change people. Through it you can do things you never thought. That is the mission of our company, "explains Marrey, who adds that this definition is quite matched with the spirit that inspired the vision and realization of CSR in the company he leads.
Microsoft in the world is closely related to the topics of philanthropy that its creator, Bill Gates, made through his foundation. However, it is less associated with CSR policies itself.
"In Chile four years ago we stopped to look at CSR as a matter of philanthropy or as an aspect marketing, an issue that is natural in a first stage. Since 2005, we took a dump and identify, from our business model, what we do well and how what we do well can positively impact the social, economic and environmental community. Clear at this point, we develop CSR programs associated with this know how. Therefore, despite the economic crisis this year have not stopped any of the programs we have in Chile and even we are developing new ideas for topics that need improvement.
- What would you say are the most significant programs with CSR?

In the social programs most important are those related to education. I would like to highlight a program where we train teachers, students and schools in the use of technologies. We understand that technology is a means and not an end in itself, but also know that there will not be successful professionals in the world of the next 20 years do not know about technology. Then connect that concept to teaching is very important. The other major branch
we have in the social area are the links we establish with NGOs. This started years ago with the donation of software and migrated to the training of NGOs on the use of technology through our volunteer programs equipment.
Are there plans in the economic sphere?

In the economic area, I would highlight two programs: the first has to do with the generation of employment and training is technology professionals. To do this, we have a community of about 40 thousand people in Chile who are trained through courses or on-line activities.
The second is a program we have with three universities (University of Chile, Federico Santa Maria and Adolfo Ibáñez) and seeks to generate intellectual property in Chile. This issue is one of the pillars of innovation and Chile is still weak. We worked the issue from donation software to these universities so that they can use internally. We also train students and create centers where they can apply technology to real business cases. In this line, we have made the subject of incubation. Finally, last December launched a program to help small businesses that need technological inputs to compete. We have 85 registered firms in this plan, which can use our technology for free until they have achieved sales of U.S. $ 1 million.
And what about environmental projects?

We regeneration program Chilenter computers with which to us is very important. Internally, also made progress in creating recycling techniques. But we're starting. In the future we want to educate people that the use of certain technologies may impact on the environment as very positive.
- Do you have partnerships with the state on issues of CSR?

Many, from social to business partnerships. I give an example, we signed an agreement with the Junaeb to realize the "I Choose My Computer." The initiative includes the government done the PC (hardware) and Microsoft developed the Windows and Office software-competitive-for a nominal fee. We also have a project with the PDI, will donate a program to the institution to prevent pedophilia on the Internet and anticipate trends of this type.
Do you keep training programs for employees and their families?

Yes, there are a lot of that immunization programs, gymnastics, first aid courses and job training. One very interesting thing we do in this area is the internship program. Today we have 25 interns working and that plan is very important for us because we give opportunities to young graduates to develop, and they in turn will impact heavily on the organization with his boundless energy and innovative ideas.

3. BCI

Actions Bci
generate progress created a Continuous Improvement Team CSR. In the photo, its members together with some people helped by these programs.
Lionel Olavarria, general manager of Bci, is emphatic: "In our bank, the fourth largest in Chile, the CSR is integrated into the DNA of management. So what we should bring progress for all our stakeholders: customers, suppliers, shareholders, employees and society. " By the same token, he says, seeking a balance in social, economic and environmental-the three pillars of CSR. However, recognizes that since its inception the company's emphasis has been on the quality of life and professional development of his colleagues, in supporting the SME and the contribution to social organizations for children and the elderly poor and at risk. Olavarria
also noted that CSR is for them a process of continuous improvement. "The initiatives should be measured to see if they are meeting their goals. Then, depending on the results, it should set the programs empower others and eliminate those that do not contribute," he says. To do this, have a team composed of executives intergerencial different areas, is called the Continuous Improvement Team CSR, with that track and new challenges.
"Considering that we are experiencing a crisis year, how handling of the CSR budget of the company during this exercise?

This year we have reduced by 7% CSR budget in line with corporate budgets. Notwithstanding the foregoing, we have increased the number of programs in this area that contribute to environmental sustainability, social and economic enterprise, redoubling our efforts in efficiency and productivity, as our challenge is to do more with less.
- Do you have a workplace policy on benefits for their workers? Bci

is a company that is characterized by its partners to deliver better benefits than the rest of the market. It follows a policy work that is contained in the document called "Our Commitment", which sets out the main criteria, and whose goal is to provide our employees and their families a decent quality of life, a stable job and personal development opportunities, family and professional providing education and training authorities, promoting, recognizing and rewarding individual effort and reducing the wage gap.
- How is your pension policy?

offer lectures, information and advice by e-mail, in order that employees can access the best alternative pension according to their requirements and age. Those close to reaching the legal age to retire, they receive guidance and advice from a supervisor for the stages to be addressed in order to comply with this process. For those who choose to benefit from a voluntary retirement plan, Bci pay compensation for years of service without the limits established by law. Beyond
-payment of salaries and duties, what plans call for work and personal development of employees and their families?

We have a training and learning. Thus, over 80% of employees are trained with an average of 55 hours annually. In parallel, we have the "Bci Contigo" meets all the initiatives and benefits offered by the company to its employees and their families and unified in three areas: family, health and recreation. At the family level, we have academic scholarships and grants for study and exchange in the United States for children of employees; bonus for every child of school age, scholarships for employees, financial products and services on preferential terms, benefits associated with housing and postnatal gradual return by, among others.
In the health field, we have a supplemental insurance plan, collective agreement ISAPRE, discount agreement for the purchase of medicines, health funds at high risk, preventive screenings, programs vaccination, among others.
In the area of \u200b\u200brecreation, sports develop, and have more than 80 agreements in various places of entertainment such as theaters, gymnasiums, universities, resorts, etc.
- Are there any community projects sponsored by your company?

There are three sources of work in the community: social, through support to the elderly and children at risk, education and culture.
Socially, we have an alliance with Fundación Las Rosas and Child Credit Corporation, the umbrella organization for girls at risk, founded 18 years ago by the contributors BCI and supported by the company. With both institutions have a volunteer program that allows employees to perform social actions during business hours. In addition, we have volunteers who teach digital literacy and financial literacy to microentrepreneurs.
In education, we support programs that encourage entrepreneurship and give scholarships to poor college students. And in culture, guided tours on our private art collection of Chilean painting, we support the Orchestra Nocedal formed by students of the college of La Platina, and do a free annual concert with the Municipal Theatre for the entire community.

link to see full Ranking: http://www.icarito.cl/medio/articulo/0, 0.38039290 _101111578_387807925, 00.html

Prediction Soccer Blogger

Contest responsible companies looking for a Greener Chile

"Chile Verde: Medium Environment and Energy, the amount to multiply "is the name of a multimedia project, new and expected long-term national commitment to identify and collect the green environmental practices promoted by the government, private enterprises, social organizations and institutions education, among others.

The project aims to develop a book, exhibition and web, is in its early starting with a survey of cases, which are in execution or in some stage of implementation, and then are evaluated according to strict selection criteria to choose the best initiatives that will be contained in the book. Therefore, "Chile Verde" seeks to promote, highlight and disseminate cases contribute to the care and reservation of the environment, and the development and implementation of energy efficient - clean.

All interested parties may apply to the project by a simple sheet located on the web www.porunchileverde.cl may also request information from the mail: porunchileverde@midia.cl and contacto@porunchileverde.cl The application period ends on July 20, when starting the screening of cases. The following projects will be evaluated by an expert committee, comprising leading scholars in environmental and energy. The team, like the project, is transverse and representative of different social sectors, disciplines and production activities in the country, including the State, enterprises, NGOs, universities, foundations and even ordinary citizens, thus creating harmony between all involved.

The experts include distinguished professionals such as Ximena Abogabir of Casa de la Paz, Bernardo Reyes Ethics on Forests, WWF Ricardo Bosshard, Bronwen Golder, Paul Vidal de Acción RSE, Remade Denise Montt Chile, Javier del Río, architect, scholar and expert on Bioclimatic, Maryann Ramirez Innova CORFO, Nicola Borregaard CAMCHAL (Chilean-German Chamber Trade and Industry), Felix Maldonado, founder of the Latin American Network of UNEP-ROLAC Ecodesign, William Scallan, Avina Foundation, Alvaro Verdejo, Environmental Advisory ASIVA (Association of Region V) Heiremans Josefina, Chile Remade Communications Manager , Mark Kulka General Manager / CEO Fundación Chile, Claudio Gomez, Director National Museum of Natural History and the journalist Nicholas Luco.

The main consequence of the project is to bring the discussion to all sectors so that all generations will understand the importance of achieving good environmental practices. "The challenge is to move to touch a sensitive and difficult issue to talk and work lined up for a better future where the average citizen understands and knowingly opine," said Teresa Road MIDIA director in charge of editing the draft . At the same time, the collaboration of Ministry of Education and Dibam in the production and dissemination of its contents.

Small Cramping A Week Before My Period

Economic News

After the political defeat of the ruling party in recent elections, are causing changes in the structure of the ruling cast dramatically. Amendments and waivers that will occur without interruption, and no one has fully understood the true meaning of the changes, much less their effectiveness.

The call to dialogue by the president of the nation within hours of having produced what was called, quite rightly, the castle of staff, is much like previous calls to the institutions or to the called mainstreaming. That is, if demand becomes an insignificant contribution to achieve a strongly be rejected because the Manichean absolutely disqualifying structure assumed from the beginning by the Kirchner couple has, in our humble opinion, the possibility of return. Dialogue is a normal activity in a democracy that prides itself more or less. That would have supported a government without him over 6 long years is a lot more than striking. Moreover, we must say that unfortunately these so-called dialogues remind us of the infamous calls that were de facto rulers during the military regimes.

believe, somewhat philosophically, that there are people in the world with whom dialogue is impossible in any front whatsoever. For various reasons. Closure may be ideological whim, or that simple Manichaean sense of omnipotence that makes the ruling property of ethics and patriotism. And we are convinced that among such people is, without doubt, the Kirchner couple. What else can befall the rest of the political spectrum but the diatribe, disqualification, to insult and accusation coup bastard?

A person who takes on political discourse as a kind of sermon from a pulpit from which not only tells the Argentines, but the entire world, where are the benefits and evils of human beings, and side who will have to be to become the chosen ones, is a person who is not on speaking terms. Absolutely not.

So we say this before you throw out some numbers and see some economic realities, with In order to give first players on the field and then enter the ball.

Now we introduce therefore the ball.

The de facto finance minister is, no doubt, and that worldwide, Nestor Kirchner. Therefore any change in that ministry is a revoked absurd and inconsistent that it can not but cause unease. He added that it is not not even have a finance minister or to have it and it is more or less good, more or less efficient. It is that we have a de facto finance minister who has no idea of \u200b\u200bmanaging the economy, which is like having in front of open heart surgery a carpenter or a dentist (without trying to dismiss such noble offices, or any other). Not that we have someone whose ideas do not share, but we have someone who does not know an icicle and goes and decides everything, causing the disasters it has caused so little time.

Figure Guillermo Moreno is a tangible demonstration of this pathetic caricature. Moreno is a bully unimpeachable placed in that role by the de facto finance minister and held in that position to draw rates, say guarangada, press people, displaying weapons and ensure, that stupid machismo representative more child (within a government whose president confuses sex and gender intends to use sexist language that attempts to abolish the name epicene ridiculously) that he's got bigger.

How will the country do to keep the amount of revenue to meet its obligations and maintain a GDP growth? What is the policy?

The truth is that currently do not know. There is clear evidence from what happened so far. Resolution 125 on retention, modification of the system of affiliation to the retirement system first and appropriation of funds of the administrators then generous and comprehensive money laundering and tax holidays and retirement, no tax rebates to exporters with trivial arguments and unsustainable to improve collection by morenistas tricks, etc.

happen Today all sorts of rumors about increases in reserve requirements for the government to borrow funds, transfer of Central Bank's profits, attempted to levy on certain financial transactions, and a number of etceteras such as tariff adjustments, elimination of subsidies, support of the ban on inflation adjusted balances of companies to collect tax income taxes on inflationary profits (ie, fictitious) etc.

Since some international organizations mentioned again the possibility of a default. Essentially because, although the situation is not dramatic yet, no one has very clear on where you get the funds to meet debt maturities between now and year-end mean about 13,500 million dollars.

is talk of selling the shares held by the ANSES after appropriation. Those would be some 2,500 million dollars. Also close more and more imports to generate trade surpluses at the expense of technological and industrial paralysis and finally the decline of exports, and in general, the elements discussed above: higher taxes, obligations to lend to banks, etc. And the icing on the cake, of course: the devaluation. To which it must be said he opposes a certain monetary stringency by the Central Bank. Thus not be surprising that in the short term there also have a change of guard.

This framework attempts a dialogue situation in which such offer to rejoin the agricultural entities but not to talk of withholdings. If we take this issue by way of example, we infer that any meetings with opposition politicians will do to talk about certain topics, not all. No, for example, the subject of withholding. In other words, the agent will issue the marriage ruling.

So is it a dialogue? Or is it more like those painful press conferences so afraid that they have the presidential couple that asks and no cross-examination and where the de facto president might respond to a movilero to you and sends you that De Narváez I reply?

We are at a crossroads

proportions. Argentina does not exists today almost in the world. Agro-industrial production has been falling so precipitously, by political decisions and by climatic factors. The unusual reference to El Calafate on the part of Mrs. President point to places where the ruling party won the election when it should have accepted defeat and congratulate the winners is a chilling eloquence. These people are not on speaking terms and we say with all the letters.

Neither lady nor her husband are on speaking terms with anyone. NI movilero even a television channel, unless it is a comedy show that specializes in online down shamelessly. This is the truth of a fist. So unless a miraculous kind of cloud descends from heaven and scoot a bit of sanity where there seems to have been ever, there will be no dialogue.

But we want to finish this only with the pale. Then also what we say about the near future. The presidential couple will be pressured by the situation in particular will be pressured by their own companions. PJ will themselves which require changes, fixes, sanity.

And the question will not be delayed. So that things can not begin to run a long time.

For now, Leopard tweaks can be a kind of attempt to kick forward. But the wind is against and the ball will soon stop.

We reiterate, at the crossroads of major proportions. Interpreted as a final crossroads.

Hopefully the country will take the right path. There will be plenty of time to do so.

Source: Trillo

Candy Buffet Agreements

The Economist criticizes handling health crisis in Argentina

The British weekly The Economist article published yesterday a very hard criticizing the Argentine government for its handling of the health crisis. Among the series of questions, asks why the flu causes more deaths in Argentina than in Chile.

In Argentina, 2.4% of the cases ended in death, while in Chile only 0.2% died, says the article, and explains the difference in the handling of the two countries, like Emergency services are organized and central Chile and in Argentina not "health policies and budgets are in the hands of provincial governments", which means that "officials rarely talk to each other, have different objectives and budgets. " Even in "Brazil, a federal country like Argentina, the Ministry of Health issued national guidelines," says The Economist. He also speaks of "slow response" of the government before the crisis: "Some doctors are accused of deliberately failing to act against the outbreak until after the elections on June 28." And it ensures that the Health Minister Graciela Ocana, resigned after the elections because they delayed the vote as she had requested.

addition, The Economist criticizes that Argentina has not yet been declared a national health emergency, "Chile's answer seems to be faster, better coordinated and decisive. The same day the World Health Organization raised the alert level in April, Michelle Bachelet, President of Chile, a committee of experts met to discuss the threat. "They point to the fact that the president-medical trasandina" must have helped "and made a difference.

Source: Clarín