The document discusses microfinance in the Philippines. Microfinance provides small loans and savings services to help poor and small business owners manage their finances. It aims to help people escape poverty by providing financial access. Majority of workers in developing countries are self-employed or have family businesses with unstable incomes. Microfinance helps meet the needs of the poor who lack access to regular banking services. It is an alternative to charity and aims to support independent living. The key aspects of microfinance discussed are its role in poverty alleviation and contributions to economic development.

1. Stable investment management type
comprehensive finance management business
Philippines
microfinance

2. 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
2
[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.

3. - 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
3
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

4. 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.
4
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

5. We support Charity Activities
Part of the financing income will be shared to charity (donation)
activities and volunteer activities
5
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％

6. [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
6
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?

7. ■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.
7
Philippine economic growth2
Growth potential of the finance business and the Philippines economic
growth
NEXT11 expected pop · GDP comp.

8. ■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.
8
Exchange chart of peso vs yen
Philippine economic growth3
Growth potential of the finance business and the Philippines economic
growth

9. ■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.
9
Philippine economic growth4
Growth potential of the finance business and the Philippines economic
growth

10. ■ 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.
10
Philippine economic growth4
Growth potential of the finance business and the Philippines economic
growth

11. Name：Condrado Sajor
Post：Lawyer
Typical Staff
Sincere staff who run the MFI
11
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

12. Mapping of financial instruments
Profitability is there, and principal integrity of high commodity
12
Principal integrity
Low
Principal integrity
High
Profitability
High
Profitability
Low
Deposit
Government
bonds
Bond
Investment
trust
J-REIT
FuturesFX
Stock
Finance business
Profitability and integrity
Both high commodity