To take Steem out from your account and give to another person without charges requires that both of you are in Steemit.
To send directly to another person, it seems you will need to convert it to BTC first. And that person can withdraw it to their local wallet here like Abra or Coins.ph or others.
RE: Thinking of Using Steem to Send Money to Someone in Philippines. Filipinos/Filipinas Please Help!