Stable investment management type comprehensive finance management business

Philippines microfinance

The micro-finance (microfinance), provides services for poor people such as small loans and savings, it helps in the management of their small-scale business and independent entrepreneurs, it is a financial service that aims to escape from poverty. In developing countries, because there are fewer employment opportunities in the company, more than half of the workers are self-employed or runs their family business, and continue of having an unstable life. Because of poverty, poor people do not have access to general financial services such as savings accounts and insurances in order to correspond to their future preparedness and planning. Microfinance, will respond to this kind of needs. Unlike Charity approach such as traditional development assisstance, Microfinance is intended to help to stabilize independent living. Microfinance meaning is "small (micro) finance (finance) for poor people. Micro-Finance Institution is also known as MFI.

What is Micro-Finance? Contribution to relief Poverty and help economic development

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[Nobel Peace Prize] Performance was on October 13, 2006. To Muhammad Yunus of Grameen Bank and founder Nobel Peace Prize of 2006 is given. Won the award for the "efforts against economic and creation of social development from the bottom". Grameen Bank, many of the micro-credit sector that has been born one after another around the world has become a source of ideas and business models of organization.

- Microfinance (small loans) - Intermediate layer for Finance (personal finance) - Business finance, corporate finance, collateral type Finance

Mechanism of our MFI institutions The loan management by risk diversification loan

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We MFI institutions are using a distributed financing Funds that were entrusted to us is stable and higher integrity I will have achieved the performance. And has built a strong local connection, Has a track record of six years from the start of operation, individual of the Branch Manager In close cooperation with local staff, The default in the past 6 years The rate we maintain is 3% or less.

　　　MFI officer configuration 2014/11 total staff currently

number 400 people

Branch (Mainly rural, poor areas)

Branch (Civil service, middle layer)

Branch (Self-employed, shops)

Branch (Corporate loans)

Branch (Real estate, land, concession)

MFI

Lawyer Accountant

Government banks OB Officials OB Police OB

We have a variety of resources and assets and risk were thorough management in this finance business, you have to optimize the effect on management. Adopted its own risk management method that has been generated from management theory that specialize in Philippines culture, Finance scheme that incorporates a partnership with a major insurance company, I am doing the thorough risk management.

Operational risk management Protection of the assets of the investors is our mission.

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For intermediate layer or more of Finance of urban,we MFI has partnered with major insurance companies and our own business insurance with a head office in the U.K. Each branch or borrower to do financing, will the insurance.We, by any chance debtor has taken a mechanism that can be covered by insurance, even if that became impossible to repay in deaths and accidents.

MFI Pru Life U.K

Intermediate layer, business, corporate and real estate

Partnership with a major insurance company in the UK

Insurance application Insurance

Branch Branch

financing

Covered by insurance even when repayment impossible, such as death

We support Charity Activities Part of the financing income will be shared to charity (donation) activities and volunteer activities

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The part of the loan investment income of investors and through the local NPO organizations, will contribute to hunger relief and disaster support activities such as poverty-stricken areas.

- Famine relief - Disaster Relief - Child Education - Economic development support

MFI

Capital

Profit

NPO organization

Charity support activities

0.1％～0.5％

[Overview of the population] Philippines has a population of 9,769 million people in the predicted value of 2012, is 9,770 million people in the predicted value of 2013. Different numerical values by predicted institution, but you can see troughly 98 million people before and after 2012. In addition, it is beyond the already 100 million people in the 2013 preliminary figures. Philippines is in no.11 ranking in the 2012 most populated country in the world. Whereas Vietnam place in the 13th position whose population is 90 million,2012 and Japan in ranked 10 whose population is 128 million. Population growth rate of the Philippines is 1.8% / year, the Philippine population has been Kakujitsushi able to pull out the Japan in the near future.

Philippine economic growth1 Growth potential of the finance business and the Philippines economic growth

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Economic growth rate of 2013 in the Philippines with about 7%, It was the second in Asia next to China. In recent years in the Philippines, in search of business opportunities Business Man of the world have visited a lot, Domestic demand also has strong growth, including the real estate. Since the population average age is 22-23 years of age and younger in the current about 100 million people, This is a vigorous abundant production workforce. It has supported the domestic demand, and will continue to grow in the future.

Asia‘s second-largest economy growth rate! The date on which the Philippines is an important business partner of Japan is close?

■One of NEXT11 In Jim O'Neill research paper of Goldman Sachs　and economist of a major US investment bank, and there is a high potential to grow into it followed in the 21st century's leading economic power in the BRICs countries Was "NEXT11" It has been elected to the (Nekusutoirebun). Specifically, Iran, Indonesia, Egypt, Turkey, Nigeria, Pakistan, Bangladesh, the Philippines, Vietnam, Mexico, the Republic of Korea was elected. December 12, 2005, the bank has elected these sovereign state in apromising to investment and future growth. ■poor many countries According to the IMF, GDP of 2013 in the Philippines 2,720 billion. GDP per capita is $ 2,790, but not less than only to the level of about approximately 25% of the world average. According to the 2011 materials Asian Development Bank has been published in years, poor living on less than $ 2 a day is estimated to be 38.42 million people, accounting for more than 40% of the population. In addition, migrant workers (Overseas Filipino Workers) has been promoted as a "surplus of labor export" from the Marcos regime in the 1960s, the total amount of remittances from the current in the migrant workers abroad is the direct investment of foreign capitalit exceeded, it has brought valuable foreign currency.

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Philippine economic growth2 Growth potential of the finance business and the Philippines economic growth

NEXT11 expected pop · GDP comp.

■Features of pesos Philippine peso (peso): Although initially had been applied fixed exchange rate of "one American dollar = 2 pesos", the expansion of the downturn and the external debt of the Philippine economy, and rounded down due to chronic inflation, currently, Philippines central bank will issue, we have adopted a floating exchange rate regime. However, many stand out is the number of migrant workers abroad compared to neighboring countries, foreign currency reserves in the Philippines that have influence enough to foreign currency remittances to their home country from them to complement the domestic economy and trade transactions not sluggish especially severe and control even when the crunch is for less likely to occur, exchange from pesos to foreign currency Limit is not provided.

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Exchange chart of peso vs yen

Philippine economic growth3 Growth potential of the finance business and the Philippines economic growth

■Service industry Business process outsourcing (BPO) is aligned and tourism, we are seen as industry will most growth in the future. Especially call center industry is famous, official language in addition to the labor force to be higher that the level of education is cheaper is sometimes called English, is popular with Western companies. In 2010 making it the world's largest contractors, surpassing India. The number of employees in BPO will have been said to be that it was about 10 million people in 2005 and has increased to about 70 million people in 2012, has sold an annual $ 11 billion. In 2016 and is further expected to produce sales of about 1.3 million people in employment and annual $ 27.4 billion. Besides, as a language study abroad from Japan and South Korea, such as the non-English speaking country　There is also popular, in recent years many people have visited to learn English. ■ Sightseeing Has become a Cebu Island and tourism is an important industry with a focus on resort such as Boracay, to attract more tourists and industrial investment, state government tourist destination does not havepreoccupied in infrastructure development. Also I casino also has become one of the charms that attract many tourists.

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Philippine economic growth4 Growth potential of the finance business and the Philippines economic growth

■ Industry and Trade Industrial center food processing in the Philippines, sugar, formulation, in light industry center, such as fiber, also of electronic parts production is thriving in recent years. Industrialization of the Philippines is reduced from Marcos regime, China, in order to face the communist bloc, such as Vietnam, military in the United States as a bastion of anti-communism, in response to the enormous support instead of politically dependent, Marcos dictatorship as a result of developing dictatorship based, undergone a transformation into a light industrial countries from agricultural country, in 1960 the Philippines had become the richest country in Southeast Asia. However, per capita income in the boundary of the 1980 becomes a plateau, it fell into political unrest state, such as the civil war state of the New People's Army and the Moro group, gradually tricky business for foreign companies country, will be difficult country of investment , I economic growth was sluggish enough to have been referred to as the "Southeast Asia of the sick" in the other ASEAN countries such as Thailand and Malaysia to rapid growth. So, Philippines infrastructure can now expect fairly. Especially there road, railway, while bustle is the development of social capital, such as energy. Ironically, heavy industrialization will have even said that less susceptible to fluctuations in the price of crude oil in order to not go still when compared to such as Thailand. In addition, the Philippines is that the shipbuilding industry is thriving by making use of a natural harbor a large number from its geography, boasts the fourth largest in the world in the shipbuilding industry in 2010.

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Philippine economic growth4 Growth potential of the finance business and the Philippines economic growth

Name：Condrado Sajor Post：Lawyer

Typical Staff Sincere staff who run the MFI

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Name：Darwin Dalit Post：Security Guard

Name：Edna Castelo Post：Manager

Name：Jomel Cortez Post：IT/Promotion

Name：Socrates Castelo Post：Collector/Service

Name：Jay-r Cuis Post：Affiliator/Partner

Name：Joan Tumbagahan Post：Collector/Support

Name：Tricia Crisostomo Post：Affiliator

Mapping of financial instruments Profitability is there, and principal integrity of high commodity

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Principal integrity Low

Principal integrity High

Profitability High

Profitability Low

Deposit

Government bonds

Bond

Investment trust

J-REIT

Futures FX

Stock

Finance business Profitability and integrity

Both high commodity