bds: the kauswagan experience
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MICROFINANCEMICROFINANCE
on on
BUSINESS BUSINESS
DEVELOPMENT DEVELOPMENT
SERVICESSERVICES
by: ENGR. REYNALDO T. AMBAO
Director, MSI-BDS Division
Taytay Sa Kauswagan, Inc.
TSKI was registered under the
Securities and Exchange
Commission (SEC) on
September 1, 1986
To see self- sufficient families
responding to the needs of
their Community and pursuing
a collective effort for their
development
To make the love of Jesus
Christ be felt by the
poor in our midst by providing
opportunities that
promote spiritual
transformation and total
human
development
TSKI started its operation in Iloilo City in 1986 with a start-up capital of P2,500 with only three employees.
As of December 2007 the outreach is 250,000 clients with a total amount released of 2.3 billion. The staff complement is nearly 3,000.
Area of Operation
TSKI Branches:
Western Visayas
Eastern Visayas
Central Visayas
Southern Tagalog
Western Visayas
Western Mindanao
Western Visayas
9. Metro Iloilo (Molo)
4. Northern Iloilo (Sara)
5. Central Iloilo (Pototan)
6. Central Iloilo (Cabatuan)
10. Miag-ao, Iloilo
8. San Jose, Antique
11. Jordan, Guimaras
13. Roxas, Capiz
2. Sigma, Capiz
3. Culasi, Antique
1. Kalibo, Aklan
7. Leon
12. Pontevedra, Capiz
TSKI Branches:
Western Visayas
Eastern Visayas
Central Visayas
Southern Tagalog
Eastern Visayas
Western Visayas
Western Mindanao
Eastern Visayas
22. Ormoc, Leyte
21. Tacloban, Leyte
25. Maasin, Southern Leyte
14. Catarman, Samar
15. Calbayog, Samar
17. Naval, Biliran
20. Carigara, Leyte
24. Bontoc, Southern Leyte
18. Borongan, Eastern Samar
16. Catbalogan, Samar
19. Guiuan, Samar
23. Dulag, Leyte
Eastern Visayas
TSKI Branches:
Western Visayas
Eastern Visayas
Central Visayas
Southern Tagalog
Western Visayas
Central Visayas
Western Mindanao
TSKI Central Visayas
27. Danao, Cebu
30. Minglanilla, Cebu
35. Dalaguete, Cebu
31. Talibon, Bohol
34. Tagbilaran, Bohol
36. Larena, Siquijor
32. Jagna, Bohol
33. Clarin, Bohol
29. Lapulapu, Cebu
28. Toledo, Cebu
26. Molaboal, Cebu
TSKI Branches:
Western Visayas
Eastern Visayas
Central Visayas
Southern Tagalog
Western Visayas
Central Visayas
Southern Tagalog
Western Mindanao
Southern Tagalog
39. Odiongan, Romblon
38. Roxas, Mindoro
40. Coron, Palawan
41. Puerto Princesa, Palawan
37. Calapan, Mindoro
TSKI Branches:
Eastern Visayas
Western Visayas
Central Visayas
Southern Tagalog
Western Mindanao
Western Mindanao
42. Dipolog, Zamboanga
46. Ipil, Zamboanga
44.Sindangan, Zamboanga
43. Molavi, Zamboanga
45.Buug, Zamboanga
MicrofinanceMicrofinance•• Microfinance Microfinance has evolved
as an economic economic
development approachdevelopment approach
and intended to benefit low
income women and men.
• It is mainly oriented towards
making financial services making financial services
more accessiblemore accessible to the
self-employed, who conduct
most of their economic
activities in the informal
sector.
TSKITSKI
MFMF
LoanLoan
ClientClient
BusinessBusiness IncomeIncomeQualityQuality
LifeLife
RepayRepay--
mentment
MICROFINANCEMICROFINANCE OPERATIONAL FRAMEWORKOPERATIONAL FRAMEWORK
The BURNING PASSIONThe BURNING PASSION
•• 9090--95% of 95% of clientsclients are into:
––Buy and sellBuy and sell
––TradingTrading
––SariSari--sari storesari store
––OthersOthers
• Impact Survey in Northern Iloilo
Branch (NIB)
• Psychosocial and Economic
Contributions of Micro-financing
to Women
• Marketing Constraints and
Opportunities of Client-Producers
Studies ConductedStudies Conducted……
Psychosocial & Economic Psychosocial & Economic Contributions of MicroContributions of Micro--financing to financing to
WomenWomen
• The study has proven that micro-enterprise development can help improve the personal improve the personal lifelife and change the attitudechange the attitude of clients after their participation in the program.
• There is significance in the number of technical technical consultancy or business advisesconsultancy or business advises availed.
• The more technical consultancy or business advises availed, the greater the likelihood that the clients will fully investfully invest their program loanprogram loan.
Impact Survey in NIBImpact Survey in NIB
• The participants claimed that they
have received very limited
technical assistance from the
program
Recommendation: more training
& technical assistance should be
implemented.
Marketing Constraints and Marketing Constraints and Opportunities of ClientOpportunities of Client--
Producers of TSKIProducers of TSKI• Nearly one-fourth of the clients reported that
competitioncompetition is their major marketing major marketing
problem. problem.
• Product rejections reported are due to:
–– transportation/handling damagetransportation/handling damage
–– problems in preservationproblems in preservation
–– product qualityproduct quality
–– unacceptable design.unacceptable design.
Marketing Constraints and Marketing Constraints and
Opportunities of ClientOpportunities of Client--Producers of Producers of
TSKITSKI• Many of the clients identified their neighboring communities, big stores and supermarkets, households, and offices as potential marketpotential market
• Potential markets are not enterednot entered because–– production capacity is lowproduction capacity is low
–– insufficient capitalinsufficient capital
–– inadequate advertising.inadequate advertising.
• Those who have tried penetratingtried penetrating these markets stopstopbecause of:–– insufficient capitalinsufficient capital
–– CompetitionCompetition
–– small production capacitysmall production capacity
–– poor collectionpoor collection
–– problems in manpowerproblems in manpower
Marketing Constraints and Marketing Constraints and
Opportunities of ClientOpportunities of Client--Producers Producers
of TSKIof TSKI
CONCLUSIONS:
• Need to improve product qualityimprove product quality
• Need for additional capitaladditional capital for production
• Need to advertiseadvertise their products
• Increase manpowermanpower
• Come up with good marketing strategiesmarketing strategies
•• ProductsProducts should be properly packedproperly packed and handled to avoid damages.
Marketing Constraints and Marketing Constraints and
Opportunities of ClientOpportunities of Client--Producers Producers
of TSKIof TSKIRECOMMENDATIONS:
• Need to improve the ff:
–– Product qualityProduct quality
–– PackagingPackaging
–– PreservationPreservation
–– DesignDesign
•• Client exposureClient exposure to different production processes to acquaint them with techniques to improve product quality, packaging and design.
–– Business toursBusiness tours
–– Skills training and/or workshopSkills training and/or workshop
• MarketingMarketing
•• ProductionProduction
•• FinanceFinance
• Organization & MgtOrganization & Mgt
•• TechnicalTechnical
•• TechnologyTechnologyBDSBDS
TSKITSKI
MFMF
LoanLoan
ClientClient
BusinessBusiness IncomeIncomeQualityQuality
LifeLife
RepayRepay--
mentment
BDS DefinedBDS Defined
•• BDSBDS refers to a wide range of services used by entrepreneurs to help them operate efficiently and operate efficiently and grow their businessgrow their business with the broader purpose of contributing to economic
growth, employment growth, employment generation, and generation, and poverty alleviationpoverty alleviation
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING
• MARKETING VAN
• K-STORE
• TRADE CENTER IN
BORACAY
Product
Quality YES
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING
• MARKETING VAN
• K-STORE
• TRADE CENTER IN
BORACAY
Product
Quality YES
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING
• MARKETING VAN
• K-STORE
• TRADE CENTER IN
BORACAY
Product
Quality YES
C
L
I
E
N
T
S
C
L
I
E
N
T
S
MANUFACTURING
/PRODUCTION
ANIMAL
RAISING
TRADING
BUY &
SELL
SARI-SARI
STORE
MARKETING
KAUSWAGAN
STORE(OTHER
BRANCHES)
LABELING
PACKAGING
LABORATORY
PRODUCTS
(PRESENTATION
& QUALITY)
NO
YES
KAUSWAGAN
STORE(BRANCH OR
MUNICIPALITY)
DESIGN & PACKAGING CENTER
AND
LABORATORY FACILITY
CONSOLIDATION OF PRODUCTS OF TSKI CLIENTS FOR MARKETING: BRANCH MODEL
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING• MARKETING VAN• K-STORE
• TRADE CENTER INBORACAY
ProductQuality
TECHNOTECHNOLOGICALLOGICALSERVICESSERVICES
• LABELING• PACKAGING• PRODUCT DEV’T
• FOOD ANALYSIS• BFAD REGISTRATION
YES
NO
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESS
MARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING
• MARKETING VAN
• K-STORE
• TRADE CENTER IN
BORACAY
Product
Quality
TECHNOTECHNO
LOGICALLOGICAL
SERVICESSERVICES
• LABELING
• PACKAGING
• PRODUCT DEV’T
• FOOD ANALYSIS
• BFAD REGISTRATION
YES
NO
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESS
MARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING
• MARKETING VAN
• K-STORE
• TRADE CENTER IN
BORACAY
Product
Quality
TECHNOTECHNO
LOGICALLOGICAL
SERVICESSERVICES
• LABELING
• PACKAGING
• PRODUCT DEV’T
• FOOD ANALYSIS
• BFAD REGISTRATION
YES
NO
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESS
MARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING
• MARKETING VAN
• K-STORE
• TRADE CENTER IN
BORACAY
Product
Quality
TECHNOTECHNO
LOGICALLOGICAL
SERVICESSERVICES
• LABELING
• PACKAGING
• PRODUCT DEV’T
• FOOD ANALYSIS
• BFAD REGISTRATION
YES
NO
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
• TRADE FAIRS
• MARKET MATCHING• MARKETING VAN• K-STORE
• TRADE CENTER INBORACAY
.
ProductQuality
TECHNICALTECHNICALSERVICESSERVICES
TECHNOTECHNOLOGICALLOGICALSERVICESSERVICES
• PACKAGING• LABELING• PRODUCT DEV’T
• FOOD ANALYSIS• BFAD REGISTRATION
•TECHNICAL TRAINING• SKILLS TRAINING• PRODUCTSTANDARDIZATION• ENTREPRENEURIALTRAINING
YES
NO
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
•TRADE FAIRS
•MARKET MATCHING•MARKETING VAN• K-STORE
•TRADE CENTER INBORACAY
.
ProductQuality
TECHNICALTECHNICALSERVICESSERVICES
TECHNOTECHNOLOGICALLOGICALSERVICESSERVICES
•PACKAGING•LABELING•PRODUCT DEV’T
•FOOD ANALYSIS•BFAD REGISTRATION
• TECHNICAL TRAINING• SKILLS TRAINING• PRODUCTSTANDARDIZATION• ENTREPRENEURIALTRAINING
ORGANIZATIONORGANIZATION&&
MANAGEMENTMANAGEMENT
•LEADERSHIP•SUPERVISORY•MANAGEMENT
YES
NO
TSKITSKI
CLIENTCLIENT
BUSINESSBUSINESSMARKETINGMARKETING
•TRADE FAIRS
•MARKET MATCHING•MARKETING VAN• K-STORE
•TRADE CENTER INBORACAY
.
ProductQuality
TECHNICALTECHNICALSERVICESSERVICES
TECHNOTECHNOLOGICALLOGICALSERVICESSERVICES
•PACKAGING•LABELING•PRODUCT DEV’T
•FOOD ANALYSIS•BFAD REGISTRATION
•TECHNICAL TRAINING• SKILLS TRAINING•PRODUCTSTANDARDIZATION•ENTREPRENEURIALTRAINING
FINANCE &FINANCE &ACCOUNTINGACCOUNTING
ORGANIZATIONORGANIZATION&&
MANAGEMENTMANAGEMENT
•BOOKKEEPING•ACCOUNTING
•FINANCIALMANAGEMENT
•LEADERSHIP•SUPERVISORY•MANAGEMENT
YES
NO
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