he named the organization the happen hapinoy program by combining the word, happy, with pinoy, which means filipino in -- over the past seven years, the program moved into ten different provinces and worked with 4,000 stores. the staff traveled around the country to teach retailing skills to local store owners, including those on the island of ladi, southeast of manila. classes have been held here since may 2014. around 100 sari-sari store owners have gathered at the local church. they come from five different villages. today's teacher is held, a, a staff member at microventures. she's been running this program for six months. many of the shop owners have a large amount of outstanding credit. the trainers teach them that allows credit to build up is bad for business. she uses illustrations to keep her audience engaged. store owners worry they'll lose customers if they refuse credit. the people of microventures have a solution. they advice the owners to work out credit limits and deadlines and monitor them carefully. the instructor teaches the students how to keep proper daily account