Back to 2018 Filipino Bible Fellowship Weekly List

True Life Bible-Presbyterian Church

On Sundays at 3pm. Please contact Bro Jose Lagapa: 81853623 anytime.

Dear Brethren and Friends,

Welcome to the Filipino Bible Fellowship!

It has been reported that there is a sharp rise of many Filipino maids in Singapore who became victims of LOAN SHARKS! These illegal money lenders offer their loans through SMS and many are deceived to loan money which they can never pay due to very high interest!


Many employers have experienced harassments by illegal money lenders after maids cannot pay their loans. January 14, 2018, Straits Times (www. has this news, “Loan shark harasses maid and her employers.” The report states, “It was just after Christmas when Gen, a Filipino domestic worker in her 30s, began to receive threatening text messages and calls demanding repayment. Her employer, who asked to be named only as Ms Angelina, told The Sunday Times: “The threats kept escalating … Every day he would demand another $300.”

Ms Gen eventually ceded to the loan shark’s demand to text a photo of her work permit, and later transferred $300 to a specified bank account in the hope that it would put an end to the harassment. But it only emboldened the harasser.

Ms Angelina, who works in finance, said that she was in the dark until her husband Paul received a phone call last Monday evening. “A man was swearing on the phone and saying you owe me money … It was almost unintelligible,” she said. In text messages that followed, a “Singapore loan shark” named Sunny issued threats, such as setting fire to the family’s home, if their employee’s debt was not settled. The couple made a police report the same day, and the harassment has since stopped. Ms Angelina, 40, said she believes that Ms Gen was the victim of a scam.”

On April 4, 2018, Asia Times ( has this news item, “Employer harassed by loan shark sends Filipino maid home.” The report reveals that “A woman in Singapore wrote to an online media outlet recounting her terrifying experience of being harassed by a loan shark after her Filipino domestic worker failed to pay a debt of S$800 (US$610). The woman, who remained anonymous, told The New Paper that she had initially ignored a phone call demanding that she clear an S$800 debt as she thought it was a scam.

However, two days later, when she received text messages containing photographs of her house and family members sent from the same man who referred to himself as a moneylender, she panicked and settled the debt later that day. It turned out that her Filipino maid, who had been working for the family for four years, had recently borrowed money from an unlicensed lender, and named her employer as guarantor without the woman’s knowledge”

On June 14, 2018, another report from Asia Times (https://www. posted “Employer harassed by loan sharks after Filipina maid flees.” It describes, “A 35-year-old Singaporean woman has written about “horrific” experiences with her 50-year-old maid, who jumped on a plane and flew back to the Philippines to get away from loan-sharks who she owed more money than she could repay. The employer surnamed Geng wrote to Lianhe Wanbao (Singapore), saying her family had been harassed and threatened by at least seven different moneylenders via phone calls since Sunday June 3, hours after her Filipino worker, Milgen Avila, flew back to her home country.

The woman recalled her maid kindly asking for her passport late on Saturday night for identity verification for some applications. Having shown a message issued by the Philippine Embassy, Geng trusted her worker and handed her the document as required, telling Avila she could drop the employer’s five-year-old son to her younger sister’s home so she could have time to handle personal matters”

Then just very recently on October 14, 2018, ( this news was bannered in the Strait Times, “Employer harassed after maid borrowed from loan sharks.” The report goes on to say, “When her Filipino maid first confessed to her that she had borrowed $2,000 from a local loan shark, Ms L. Cheah thought she could help to pay off the debt.

But after going through her maid’s text messages, questioning her more and eventually getting harassed by loan sharks herself, Ms Cheah was horrified to learn that her maid owed about $8,000 as principal amount to at least five licensed moneylenders and 12 illegal ones.”

These I believe are just “tips of the iceberg.” There are many out there who become victims of this scams. MAG-INGAT PO TAYO!

Owe no man any thing… (Romans 13:8)

This a warning from the Bible that we should not be in debt to anyone. The Apostle Paul commands the Christians not to be indebted or to loan from anyone. This is speaking of money matters because in verse 7 he is referring to taxes that we must pay to our government. From this command we must learn many important teachings from the Word of God for us as Christians.

1. We must be content of the money that God has entrusted to us “But godliness with contentment is great gain. For we brought nothing into this world, and it is certain we can carry nothing out. And having food and raiment let us be therewith content. But they that will be rich fall into temptation and a snare, and into many foolish and hurtful lusts, which drown men in destruction and perdition” (1 Timothy 6:6–9). I understand that there are emergencies such as relatives who are hospitalized or accidents of family members. Let us pray first and ask God for guidance. Tell the leaders of the FilBF to pray for your concerns. Let us not go right away and borrow from money lenders especially the illegal ones.

2. We must not be covetous to buy things or loan money beyond our capacity to pay. In short we must not be materialistic. “Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal: But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal: For where your treasure is, there will your heart be also” (Matthew 6:19–21).

3. We must be frugal, economical, and humble in our manner of life. “Not that I speak in respect of want: for I have learned, in whatsoever state I am, therewith to be content. I know both how to be abased, and I know how to abound: every where and in all things I am instructed both to be full and to be hungry, both to abound and to suffer need” (Philippians 4:11–12).

4. We must not engage in vices and immoral relationships which leads us to go in debts. “Mortify therefore your members which are upon the earth; fornication, uncleanness, inordinate affection, evil concupiscence, and covetousness, which is idolatry: For which things’ sake the wrath of God cometh on the children of disobedience: In the which ye also walked some time, when ye lived in them” (Colossians 3:5–7).

5. We must be honest and responsible to pay if ever we borrowed money. We must keep our promises that our testimony as Christians will not be put to shame. “Having a good conscience; that, whereas they speak evil of you, as of evildoers, they may be ashamed that falsely accuse your good conversation in Christ. For it is better, if the will of God be so, that ye suffer for well doing, than for evil doing” (1 Peter 3:16–17) – Bro Jose

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