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2014 Money Lending Business

elektra050586 · 11 · 1418

elektra050586

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on: May 13, 2014, 05:17 PM
Hi everyone! Im opening a small lending business this june.. I need help from those na may experiences na sa ganitong business. I hope you can give us advices and techniques in making this venture profitable..
Please share your system kung panu naging profitable businesses nyo.. :thankyou:


INDO

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Reply #1 on: May 13, 2014, 05:58 PM
sino mga target mong clients dito? nanguha ka din ba mga license? just curious :)


elektra050586

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Reply #2 on: May 13, 2014, 06:45 PM
Target q ung my mga small businesses..sila ung main target q oara sa daily collection..then offer din aq salary loan, pension loan with atm as collateral..
Sa permits :hihi: registered only as loan services:) hindi kasi pwede ang sole proprietorship sa lending :D


INDO

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Reply #3 on: May 13, 2014, 07:03 PM
Target q ung my mga small businesses..sila ung main target q oara sa daily collection..then offer din aq salary loan, pension loan with atm as collateral..
Sa permits :hihi: registered only as loan services:) hindi kasi pwede ang sole proprietorship sa lending :D

daily ka pala mangongolekta, di may collector ka :D

yung sa amin kasi mga farmers yung target namin. every harvest lang maniningil. dapat may collateral ka para kung sakali hindi makabayad di ka malugi, in our case, pag hindi makabayad, kunin namin yung farm nila, i mean kami mag cultivate ng farm nila for one year - depende sa laki ng utang nila :)



elektra050586

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Reply #4 on: May 13, 2014, 07:07 PM
Yes po mghire aq ng collector..daily po target q para naroroll agad ung collections..mbba kng nmn skin ang loan, 5k start at 20k max, 3 mos to pay kya no collateral..ang collateral lng ng salary loans eh atm..
Panu gngawa ung sustem nyo? How much po naippaloan nyo max sa isang farmer? Ilan po interest? :help:


INDO

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Reply #5 on: May 13, 2014, 07:19 PM
Yes po mghire aq ng collector..daily po target q para naroroll agad ung collections..mbba kng nmn skin ang loan, 5k start at 20k max, 3 mos to pay kya no collateral..ang collateral lng ng salary loans eh atm..
Panu gngawa ung sustem nyo? How much po naippaloan nyo max sa isang farmer? Ilan po interest? :help:

tinitingnan namin yung area ng farm, bali mag base doon sa lot area kung magkano yung maximum na maloan nila. pero kung regular na na customer at maganda ang history sa kanilang pagbabayad pwede namin pautangin lampas doon sa initial maximum loanable amount. so far yung maximum na aming napautang sa isang farmer lang around 300t. bali yung interest, palay yung kukunin namin. 25kg na palay per one thousand normally, minsan may nakikiusap na farmer kasi di gaano maganda ani nila, binaba namin ng 15kg per one thousand.


elektra050586

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Reply #6 on: May 13, 2014, 07:25 PM
Wow bigtime po pala kayo :cool2:
Normally ilang months po inaabot un before anihan? U mean sir ung balik ng 1000 mo is 1000 plus 25 kg or 15kg ng rice?or ung 25kg or 15kg rice lang wala ng 1000?
Mgnda din siguro iadd q din yan skin..so mga ilang percent po ang range ng income m nyan per month? :hihi:


elektra050586

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Reply #7 on: May 13, 2014, 07:30 PM
Follow up po sir, mgkano po per sqm ng farm ang pinapaloan nyo? Ex 100sqm mgkano ung pwede nila iloan? My written agreement po b kayo nyan n kpg di sila nkbyad kau mgcultivate ng farm for 1 yr?
Anu po reqts hinihingi m sknli?i mean, title, deed of sale, etc? :hihi:


INDO

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Reply #8 on: May 13, 2014, 07:37 PM
Wow bigtime po pala kayo :cool2:
Normally ilang months po inaabot un before anihan? U mean sir ung balik ng 1000 mo is 1000 plus 25 kg or 15kg ng rice?or ung 25kg or 15kg rice lang wala ng 1000?
Mgnda din siguro iadd q din yan skin..so mga ilang percent po ang range ng income m nyan per month? :hihi:

Hindi pa naman ako big time, pag hindi na ako OFW baka big time na hahahaha

usually in one year, dalawang cropping lang kaya pwede natin masasabi na 6 months ang kikitain natin sa 1000 is 25kg (or 15 kg). yung ibalik nila sa amin 1000 plus 25 kg. let's say yung price ng palay is P20 per kg x 25 kg = P500.00 so around 50% return yan in 6 months, 8.33% per month.


INDO

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Reply #9 on: May 13, 2014, 07:45 PM
Follow up po sir, mgkano po per sqm ng farm ang pinapaloan nyo? Ex 100sqm mgkano ung pwede nila iloan? My written agreement po b kayo nyan n kpg di sila nkbyad kau mgcultivate ng farm for 1 yr?
Anu po reqts hinihingi m sknli?i mean, title, deed of sale, etc? :hihi:

sa ngayon yung 1 hectare, binibigyan namin hanggang 100T. may pinipirmahan po silang papel na katunayan na nangungutang sila sa amin. background check lang kung totoo bang sa kanila yung farm na iyon.


elektra050586

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Reply #10 on: May 13, 2014, 07:57 PM
Nasa ibang bansa po kayo now? Ung 25kg po na un, as in bigas na na ready to cook na or palay plng po na naibilad na?
Thank you sir for taking time to response sa queries q:) i really appreciate ur generosity po sa pg share ng experience:)
San po province nyo? My fb k po? :hihi:


 


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