rate of the region may partly imply a high incidence of workers in the informal sector, including those in rural and/or agricultural areas. The region posted the second highest average annual family income in Mindanao in 2009, although lower than the national average. Between 2006 and 2009, annual family income increased by 16.2 percent from PHP 142,000 to PHP 165,000. On the average, incomes rose by 5.4 percent annually exceeding the region‟s RDP target of five percent. The average annual family savings in the region also increased but at a slower pace of four percent from PHP 25,000 in 2006 to PHP 26,000 in 2009. The said rate of increase however, is below the region‟s savings target of two percent. ARMM The ARMM has the lowest income among all the regions because it has a scarcity of good roads and good transportation, as well as logistical difficulties. Another reason behind the low average income of the ARMM is the ongoing Islamic Insurgency, which displaces a lot of families, which causes the government problems in implementing policies that help alleviate poverty. However, the main reason why the ARMM earns very little despite its autonomy is that 93–94% of its funds are still derived from the National Government through the internal revenue allotment or IRA. As a result, it is very dependent on the central government. This allotment or grant of national taxes is given to every local government unit because it is mandated by Article X, Section 6, of the 1987 Philippine Constitution. NCR The National Capital Region, or NCR, on the other hand, has the highest income of all the regions mainly because it is the economic, sociocultural and political center of the country. Economically, this can be seen in Makati and Ortigas, which are the central business districts of the region. This region is also the seat of the Philippine government, even though Manila is designated as the official capital. Another main reason why the NCR has the highest income because more than 50% of its income is generated from local taxation and other sources of revenue while the rest comes from the Internal Revenue Grant. Also, the NCR allocates 12–13% of its income to education, and has a high amount of savings, thus ensuring its independence from the national government. However, the NCR is the highest borrower among all the regions, thus it also has the highest debt