Author: Banco San Jose

  • Banco San Jose joins Brigada Eskwela 2026

    Banco San Jose joins Brigada Eskwela 2026

    As local communities gear up for the opening of another school year, Banco San Jose proudly extended a helping hand to local schools by participating in this year’s Brigada Eskwela 2026.

    Understanding that preparing classrooms for returning students is a massive community effort, the bank contributed a modest donation of essential supplies aimed at helping clean and refresh local learning spaces. Rather than a grand gesture, the initiative was a simple act of solidarity with the teachers, parents, and students who form the heart of the community.

    Brigada Eskwela has always been fueled by the Filipino spirit of bayanihan, where small efforts from different sectors come together to create a safe, welcoming environment for children.

    By adding its own simple contribution to the mix, Banco San Jose reinforces its steady commitment to local education. It serves as a gentle reminder that even the quietest acts of support can help pave a smoother path forward for the next generation.

  • Banco San Jose Brings Financial Literacy and Support to Sagrada, Pili

    Banco San Jose Brings Financial Literacy and Support to Sagrada, Pili

    On March 28, 2026, our Naga and Calabanga branches teamed up to head to Sagrada, Pili, Camarines Sur, for a meaningful Corporate Social Responsibility (CSR) initiative. Driven by the theme “Kaalamang Pinansyal, Kaagapay sa Buhay: Pamilyang Pilipino, Tungo sa Pag-unlad,” our goal was simple yet powerful: to equip local families with the tools they need for a brighter financial future.

    The activity brought together participants of the Department of Social Welfare and Development (DSWD) Sustainable Livelihood Program (SLP) for an engaging financial literacy session. Participants gained practical knowledge on budgeting, saving, planning for future needs, and making informed financial decisions. The discussion also highlighted the importance of borrowing from banks regulated by the Bangko Sentral ng Pilipinas (BSP), which provide safe and reliable financial services, instead of relying on informal lenders. Participants were also introduced to the Bank’s savings and loan products, designed to support individuals, families, entrepreneurs, and communities in achieving their personal and financial goals.

    The day wasn’t just about learning; it was about connection! The event wrapped up with a heartwarming gift-giving and food distribution activity, giving us a wonderful opportunity to share laughs, express our gratitude, and bond with the community.

    Banco San Jose extends its heartfelt appreciation to Mr. Victor Dimabogti for warmly welcoming the team into the barangay, as well as to the DSWD for its valuable support and coordination in making the initiative possible.

    Through activities such as this, Banco San Jose continues to live out its commitment to serve not only as a financial institution, but also as a caring community partner, helping families move forward with confidence, knowledge, and hope for a better future.

  • Banco San Jose Strengthens Communities Through “Nourish, Teach, Empower” CSR Initiative

    Banco San Jose Strengthens Communities Through “Nourish, Teach, Empower” CSR Initiative

    Driven by a shared mission to serve beyond traditional banking, the Banco San Jose Head Office, Goa Branch, and Lagonoy Branch unified their efforts on March 21, 2026, to launch a meaningful Corporate Social Responsibility (CSR) initiative in Barangay Dolo.

    Anchored by the theme “Nourish, Teach, Empower,” the collaborative project brought together bank employees, local leaders, and community members for a day dedicated to holistic support, and practical education.

    The initiative was meticulously structured around three core pillars designed to address both the immediate and long-term needs of the families in Barangay Dolo:

    Nourish: Recognizing that community well-being begins with foundational care, the event featured a targeted feeding program and a gift-giving activity. These efforts provided families with nutritious meals and essential everyday items, fostering a deep sense of connection and fellowship.

    Teach: To cultivate long-term financial resilience, Banco San Jose financial experts conducted an accessible financial literacy session.

    Empower: The initiative aimed to equip participants with the confidence and tools necessary to make informed financial decisions, ultimately paving the way for personal and economic growth.

    By continuously bridging the gap between financial services and community advocacy, Banco San Jose reinforces its role as a trusted local partner, championing sustainable progress one community, one family, and one meaningful act of service at a time.

  • Pagtanom para sa Kagabsan: Tree Planting Activity by Bank of San Jose in Bombon

    Pagtanom para sa Kagabsan: Tree Planting Activity by Bank of San Jose in Bombon

    In line with its commitment to environmental sustainability and community development, the Bank of San Jose successfully conducted a tree planting activity on May 3, 2025, in Siembre, Bombon, Camarines Sur.

    The initiative gathered employees, local volunteers, and community leaders with a shared goal of contributing to reforestation efforts and promoting ecological awareness. Over 50 native and fruit-bearing tree saplings were planted in a designated area in the barangay, helping to restore greenery and protect the area’s natural resources.

    This effort is part of the bank’s broader Corporate Social Responsibility (CSR) program focused on climate action, biodiversity conservation, and sustainable development. Bank representatives emphasized the importance of preserving the environment not just for the present generation but for the future as well.

    “We believe that even small actions like planting trees can make a significant impact in the long run,” said Mr.Tim James L. Monasterio, COO and Vice President of Bank of San Jose. “Our bank is proud to support projects that build stronger communities and a healthier planet.”

    The Bank of San Jose extends its gratitude to all participants, the Barangay Official unit of Bombon, and partner organizations who helped make the event a success.

    Pagtanom ngonian, para sa mas marhay na Puturo.

  • 2024 Presidential Award for Outstanding Development Partner

    2024 Presidential Award for Outstanding Development Partner

    The Rural Bank of San Jose has achieved a remarkable milestone being named as both Provincial and Regional Awardee for the 2024 Presidential Awards for Outstanding Development Partner under Access to Finance category. The award was formally presented last July 12,2024 with its Vice President & COO, Tim James L. Monasterio, receiving the honor.

    This is in recognition for the exemplary role in supporting financial inclusion and enhancing development in local communities. As a key partner in providing financial services to micro, small, and medium enterprises (MSMEs), Rural Bank of San Jose has been instrumental in improving access to credit and other financial resources, empowering entrepreneurs and businesses in the region to grow and thrive.

    As a trusted partner in development, the Rural Bank of San Jose remains committed to expanding its reach and impact. The bank continues to explore new opportunities to support sustainability projects, community-based programs, and technological advancements that streamline access to financial services. These ongoing efforts highlight its vision of driving inclusive progress and innovation in the financial sector.

    This prestigious award celebrates Rural Bank of San Jose’s unwavering dedication in creating a more resilient economy throughout the Bicol region.

  • Rural Bank of San Jose – the countryside’s banking partner for 50 years and beyond

    Rural Bank of San Jose – the countryside’s banking partner for 50 years and beyond

    50 years is indeed a milestone. In 1974, Rural Bank of San Jose was established by Mr. Teddy T. Monasterio. Fueled by his vision of helping the community in the countryside, he opened a bank in his hometown San Jose, Camarines Sur.

    Over the past five decades, the story of their banking journey evolved from a single branch to now five. The struggle of the bank in the rural area waiting for even just one client to visit a branch to now having several clients seated while waiting for their turn. Amidst the adversities, Rural Bank of San Jose has remained to be a strong, steadfast partner of the community. 

    As they commemorated their 50th anniversary last April 6, 2024, Rural Bank of San Jose’s whole day celebration started at their head office in San Jose with a morning mass celebrated by Bishop-elect Father Louie Occiano followed by the unveiling of their building marker as a tribute to their founder, Mr. Teddy Monasterio. After which, a raffle draw was conducted and announcement of the winner as aired via facebook live. At lunch, they gave meals and something to as part of their way of giving back.


    To kick-off their Filipiniana-themed anniversary event, a thanksgiving mass officiated by Vicar General Father Wilfred Almoneda was held at the chapel of the Holy Rosary Preparatory Seminary. A party was held at the same venue attended by the Mayor Jerold Pena of San Jose, distinguished guests, family members, employees and valued clients. The skies were lit with fireworks after a ceremonial toast as they announced their new name Banco San Jose with their company jingle playing in the background. They also showed appreciation to their loyal employees and valued partners by awarding them with plaques. It was indeed a fun-filled night.

    With the success of Rural Bank of San Jose over the years, they show their appreciation by giving back through Corporate Social Responsibility activities.  They give honor and acknowledge the pillars of the bank –unwavering trust of loyal clients, dedication of their employees and upright guidance of their Board of Directors.

    A celebration in accordance with their theme “Your bank, your family.” A tribute to their journey for the past half a century and embarking to the next. True to their mission, Rural Bank of San Jose is committed to continue providing reliable financial and inclusive services for the growth and development of the community not just in the town of San Jose but, the whole Bicol region as well, in the next 50 years and beyond.

  • Smart Money Management: Saving for the Future with Bank of San Jose

    Smart Money Management: Saving for the Future with Bank of San Jose

    In today’s fast-paced world, saving money has become more important than ever. Whether you’re looking to build an emergency fund, save for a dream vacation, or plan for your retirement, taking control of your finances is a crucial step towards a secure future. One effective way to achieve your savings goals is by opening an account with a trusted financial institution like Bank of San Jose. In this article, we will explore the benefits of saving money and how Bank of San Jose can help you on your path to financial stability.

    1. The Importance of Saving Money:

    Saving money is not just a good habit; it’s a vital financial strategy that can provide you with peace of mind and a sense of security. Here are some key reasons why saving money should be a priority:

    a. Emergency Fund: An unforeseen medical emergency, car repairs, or unexpected home repairs can wreak havoc on your finances. Having an emergency fund can protect you from financial stress during such times.

    b. Financial Independence: Saving money allows you to gain control over your financial future. It provides you with the freedom to make choices and pursue your long-term goals without relying solely on credit.

    c. Future Planning: Whether it’s planning for retirement, buying a home, or starting a family, saving money helps you achieve your dreams and aspirations.

    2. Bank of San Jose: A Trusted Financial Institution:

    Bank of San Jose is a renowned financial institution known for its commitment to customer service and financial expertise. Here are some reasons why opening an account with Bank of San Jose can help you in your savings journey:

    a. Account Options: Bank of San Jose offers a wide range of account options tailored to meet your unique needs. Whether you prefer a basic savings account, a high-yield savings account, or a long-term certificate of deposit (CD), they have a solution that suits you.

    b. Competitive Interest Rates: By opening an account with Bank of San Jose, you can benefit from competitive interest rates that allow your savings to grow over time.

    c. Financial Advice and Guidance: Bank of San Jose employs experienced financial professionals who can offer valuable advice on savings strategies, investment opportunities, and other financial matters. They can help you develop a personalized savings plan that aligns with your goals and risk tolerance.

    3. Tips for Maximizing Your Savings:

    While opening an account with Bank of San Jose is a great starting point, there are additional steps you can take to maximize your savings:

    a. Budgeting: Create a monthly budget to track your income and expenses. This will help you identify areas where you can cut back and save more.

    b. Cultivate a Savings Mindset: Foster a habit of saving by proactively allocating a portion of your income to your Bank of San Jose savings account. By consciously setting aside money before you have the chance to spend it, you prioritize savings as a fundamental part of your financial routine. With Bank of San Jose as your trusted partner, nurturing your savings mindset becomes a seamless and rewarding experience.

    c. Reduce Unnecessary Expenses: Evaluate your spending habits and identify areas where you can cut back. By making small adjustments, such as dining out less frequently or canceling unused subscriptions, you can save a significant amount of money over time.

    d. Set Realistic Goals: Establish short-term and long-term savings goals that are achievable and realistic. Celebrate each milestone along the way to stay motivated.

    Conclusion

    Saving money is a crucial aspect of financial well-being and planning for the future. By opening an account with Bank of San Jose, you gain access to a reliable financial institution that offers various account options, competitive interest rates, and convenient banking services. Combine this with effective savings strategies, such as budgeting, automating savings, and reducing unnecessary expenses, and you’ll be well on your way to achieving your financial goals. Start saving today and secure a brighter tomorrow with Bank of San Jose.

  • 5 Ways to Slash Your Monthly Amortization Costs and Save Big on Housing Loans

    5 Ways to Slash Your Monthly Amortization Costs and Save Big on Housing Loans

    Are you dreaming of owning your ideal home but worried about the costs? Bank of San Jose has got you covered! 

    We believe that everyone deserves a place they can call their own, a sanctuary where memories are made, and dreams are nurtured. That’s why we are committed to helping you achieve your dream house with our range of flexible loan options and competitive interest rates.

    When it comes to financing your dream house, we believe that affordability should be at the forefront.

    Here are five ways you can slash your monthly amortization costs and save big on housing loans:

    1. Optimize Your Loan Amount:

    At Bank of San Jose, we offer housing loans starting from a minimum of P100,000 up to P10,000,000. It’s essential to carefully assess your financial situation and determine the loan amount that suits your needs. By borrowing only what you require, you can minimize your monthly amortization costs.

    2. Choose the Right Loan Term:

    Selecting the appropriate loan term is crucial when it comes to managing your monthly payments effectively. With Bank of San Jose, you have the flexibility to choose a term ranging from 1 year to 10 years. Shorter loan terms may result in higher monthly payments but can save you a significant amount on interest payments in the long run.

    3. Explore Payment Schemes:

    Our payment schemes are designed to provide convenience and affordability. The monthly amortizations include both principal and interest, ensuring a manageable repayment plan. We work with you to customize the payment scheme that aligns with your financial capabilities and goals.

    4. Enjoy Competitive Interest Rates:

    Bank of San Jose offers competitive interest rates on housing loans, which are calculated on a diminishing basis. This means that as you make your monthly payments, the interest portion gradually decreases, allowing you to save more money over time. Take advantage of our attractive interest rates and reduce your monthly amortization costs.

    5. Leverage Real Estate Mortgage as Collateral:

    To secure your housing loan, Bank of San Jose accepts real estate mortgages as collateral. This provides a sense of security for both you and the bank. Collateral requirements include essential documents such as the title (OCT & TCT), tax declaration, vicinity map, certificate of tax payment, and lot plan. Our loan experts will guide you through the process and ensure a smooth experience.

    Applying for a housing loan with Bank of San Jose is a straightforward process. To help you get started, here are the step-by-step instructions on how to apply for a housing loan:

    Bank Representative Talking With Client At Counter Stock Photo | Getty ...

    Step 1: Engage with a Representative or Complete a Form

    Initiate the process by either speaking with a representative at the Bank of San Jose or filling out an application form.

    Step 2: Provide the Necessary Documentation

    Ensure you have all the required documents ready before proceeding:

    Tips & Tricks for Saving Money When Selling a House | Zameen Blog

    – Filled out Application Form: 

    Obtain the form from the Bank of San Jose’s website or visit a branch to obtain a physical copy. Provide accurate information and complete all required fields.

    – Valid Identification: 

    Prepare a valid ID such as a passport, driver’s license, or government-issued ID card. Ensure it is not expired and includes a recent photograph.

    – Proof of Income: 

    Gather documents that demonstrate your income and financial stability, such as employment certificates or bank statements.

    – Cedula: 

    Obtain a valid community tax certificate (cedula) from your local government office to verify your residence and identity.

    Image result for Provide the Necessary Documentation

    Step 3: Prepare Collateral Documents (if applicable)

    If you are using a property as collateral for the loan, gather the following documents related to the property:

    – Title (OCT & TCT): 

    Collect the original copy of the Transfer Certificate of Title (TCT) or Original Certificate of Title (OCT) for the property. Ensure there are no encumbrances or legal issues.

    – Tax Declaration: 

    Obtain the tax declaration document from the local assessor’s office, which confirms the assessed value of the property for tax purposes.

    Step 4: Submit Your Application

    Once you have gathered all the necessary documents, submit your application to Bank of San Jose.

    Image result for Submit Your Application to the bank

    Step 5: Await Evaluation and Loan Approval

    Bank of San Jose will carefully evaluate your documents and assess your eligibility for the loan. The duration of this process depends on the volume of applications and the complexity of your case. You will be notified of the loan approval or rejection, along with any further instructions if required.

    Remember, Bank of San Jose is committed to assisting you throughout the application process. If you have any questions or need additional guidance, don’t hesitate to reach out to their customer service team or visit the nearest branch. Good luck with your housing loan application, and soon you’ll be a step closer to owning your dream home!

    Don’t let financial constraints hold you back from owning your dream home. Bank of San Jose is here to support you every step of the way. With our range of loan options, competitive interest rates, and personalized service, we can help you slash your monthly amortization costs and save big on your housing loan. 

    Contact us today, and let us help you turn your dream house into a reality!

  • Takore Coffee Roasters: Empowering the local coffee industry in Bicol

    Takore Coffee Roasters: Empowering the local coffee industry in Bicol

    Takore Coffee Roaster Logo

    Takore Coffee Roasters is a local brand of roasted coffees sourced in the Philippines, around the world, and locally harvested coffees by local farmers at the majestic Mt. Isarog. It is not known to many locals that Mt. Isarog is abundant with coffee trees that were planted way back in the 70s-80s by an instant coffee company. With the Bicol Region’s geographic location and it being often visited by typhoons, the instant coffee company lost its interest in growing and harvesting the coffee trees. However, with the recent years as the typhoon’s usual track towards the Bicol Region diverted, the coffee trees started to gain momentum to grow with a lot of coffee cherries.   

    In 2023, an intervention was made by the Department of Trade and Industry (DTI) in which they connected Mr. Marion Briz of Takore Coffee Roasters to these farmers. The DTI had entrusted Marion with its visions in introducing and expanding the market for the Isarog Coffee. The farmers were delighted with the initiatives because of the joint efforts to help them earn for their harvest. To empower the local coffee industry especially the farmers of Isarog Coffee, Marion suggested a business model in which the farmers will not only grow and process the coffees but will learn too on how the industry works including wholesale, retailing, and café operations.

    Marion was the one behind the idea of the Isarog Coffee branding. DTI was thinking of a brand that would have an impact that would originally represent it as homegrown and local. Marion had suggested to make it simple and name it after the mountain where they get the coffee and perhaps that’s how the industry addresses some coffee origins across the globe. He also thought that it will be  a hype since it will be the first time that there will be a Bicol coffee origin. Also, instead of capitalizing for the hype formed in this project, he thought of giving back to the farmers who worked hard in growing and processing the coffee.

    Marion proposed to buy the coffee cherries from farmers at P100 per kilo. If it is dry he can buy it up to P200 per kilo. It is a big leap to sustain the price already from its usual P50 per kilo price point, since roasted robusta coffee can be sold up to P600 as commercial grade with all its up to 50% of losses absorbed already. These price points are already at its usual market price given that the quality isn’t there yet, but the roastery is willing to pay and absorb losses just to push the industry forward and keep the farmers initiatives burning.

    Currently, Takore Coffee Roasters have around more than 30 partners in which they provide supply for roasted coffee. Although some might not be regular since not everyone gets to be served by the Isarog Coffee due to limited supply on every harvest. Among the partners of Takore Coffee Roasters were UMA Farm Cafe at Sambo Farm in Carangcang, Magarao and Uptown Coffee at Carolina Grill in Carolina, Naga City. 

    Marion had admitted that in 2019, he started to venture the coffee because he likes watching vlogs of banchettos in other countries. This has inspired him to also make his own. He shared that there is this one banchetto in which it has alot of takore or kettle and has been serving different international coffee origins by just using a kettle. It was a very straightforward serving and amused him. Eventually, this fascination had led Marion to research more about coffee and found out that there are alot of kinds of coffee in the Philippines and that we grow 4 varieties of commercially-viable coffee namely, Robusta, Arabica, Liberica and Excelsa.

    Marion first started studying about coffee roasting in 2015 but it was in 2019 when a farmer sent him a coffee that is not yet roasted and saw it as a sign that he has a calling to pursue business in coffee roasting. He immediately bought a palayok because he wanted to apply the Ethiopian Coffee Ceremony he learned in which in Ethiopia, they cook or roast the fresh  coffee beans in a flat clay pot (palayok) every 5 pm then brew it. There is certain profile in the palayok that makes the taste of the coffee more unique. This eventually led Marion to start selling and serving coffee at Plaza Rizal in Naga using the coffee sent to him from Bukidnon. They were able to serve 300 servings daily and they were the very first pop-up coffee in the Philippines since they were able to do it pre-pandemic. It was during the 2020 pandemic when pop-up coffee started to boom. 

    When the pandemic came, Marion made coffee roasting as his pasttime. Before the lockdown, he had few loyal customers at the plaza who convinced him to sell roasted coffee. He was hesitant at first since roasting coffee needs a lot of effort in the making but they were able to convince him still because of the order of his loyal customers who had grandparents who has coffee tree in Ligao, Albay.

    Throughout their life, they got used to homegrown coffee that is harvested, roasted and brewed. Finding out about the process and effort that Marion put into the coffee he serves, his loyal customers felt nostalgic and went on to support his small business.  When he posted about it, more people ordered evetually ordered from him. Since it was during pandemic, many people just spend more time online and been seeing things that caught their interest.

    By that time, Marion didn’t only attracted the homebrewers but also aspiring business owners who wants to put up their own cafes or pop-up coffee. This has expanded the market of, the then Kape Duman, now Takore Coffee Roasters and his supply chain in which they first started to cater home-coffee brewers then eventually became a local business supplier of coffee. Marion admitted that wholesale is what keeps the businesses alive these days. Business owners with cafes and restaurants became their new  target market cause it has a lot of impact to the advocacy.  

    And just like all other entrepreneur, Marion also faced some challenges in the funding to keep his operations going like the lack of fund for the equipment’s to be used by the farmers. They still do not have the equipment for processing. Everything is being done with manual labor. They need drying beds for the harvested cherries and mill it.

    So far Marion is still working out to acquire the equipment with the help of DTI and other partner governmnet agencies.They were able to canvass that the equipment they needed for the process would cost them P300,000. They were able to found out that one way to acquire funding is through the cooperatives or farmer’s association. But due to internal conflicts within the cooperatives, the family of farmers detached themselves from cooperatives. This created a delay for them to acquire funds.

    However, Marion is pushing through proposing the aid from DTI for a shared service facility for coffee roasting and processing for these farmers and he is willing to teach and train them as well. So far he was able to spend P15,000 as a starting capital to pay the farmers. 

    Comparing the potential in coffee from palay, Marion knowns that most palay farmers eventually end up selling their land because the new generation is not that interested with agriculture. Also, most of them are contented with having their children finish school and end up getting employed. Coffee, on the other hand can bring in more opportunities for these farmers and their families.

    According to him:

    Coffee is a high value crop. Kapag ang farmer nakanuod mag roast ning coffee, makanuod maggibu nin coffee shop, kung makatapos man an aki ninda sa pagklase, si value halangkaw parin. Mas maencourage din si aki na magtabang sa magurang ninda sa kape.  

    While he knows that his advocacies will not make him rich, he still continue paying forward in ways he can and kept his advocacies through Kape Duman Coffee Talks which is a social enterprise. Through Kape Duman Coffee Talks, he was able to share his knowledge about coffee roasting and more. His coffee talks and trainings are for free and would usually charge minimal amount for the coffee used during the training.

    “Tabang lang kita nin tabang ta ang karma man kayan pag nagbalik, magayon. Good karma.” He also shared. 

    As a coffee roaster, Marion also has investors at Takore Coffee Roaster. Although he had also considered loans for the business expansion. A corporation partner with DTI had recently granted them with loan so they are currently looking for a space where they can have their store mainly for coffee since as they have temporarily been serving coffee through Bamboombayan, a chicken restaurant that they also own.

    He also shared his personal take on loans, “Dakulang factor ang loans sa business kasi masakit mag-ipon. Pag nag loan ka, makukua mo tulos si fund tapos magagamit mo rin siya agad. Si interes na binabayadan, breakeven lang kasi paka loan mo, na invest mo siya agad sa business para mag rotate si funds. Dakulang tabang talaga ang loans.”

    If you are local entrepreneur who would want to venture business but still low on funds, you can avail Bank of San Jose’s Negosyo Loan. 

    You can make any business venture and endeavor happen with the help of a loan like Marion for Takore Coffee Roasters. The Bank of San Jose supports expansions of local businesses in which entrepreneurs can use an additional working capital or purchase fixed assets through the Negosyo Loan. 

  • Km Eight: An uptown story of thriving a business amid the pandemic

    Km Eight: An uptown story of thriving a business amid the pandemic

    Km Eight is a cafe located in uptown Naga that started in the height of the pandemic in 2020. Its beginnings can be traced back to a simple alfresco cafe that Chloe Estrella started at Kilometer 8, Pacol, Naga City. According to her, the idea of starting up a cafe started when she had quarantined after going home for the first time since the borders were opened again to the local residents of Naga who were residing in Manila for work during the lockdown. Despite having the option of staying in a quarantine facility for her 14 days quarantine, she chose to stay in their old empty house in uptown Naga. While on quarantine, she noticed the number of bikers passing by and thought that it would be nice to put up a station for these bikers where they can rest to have some water break or coffee. Also passionate about coffee, the idea she just thought of eventually came to reality as she finally put up little by little an alfresco cafe which became Km Eight.

    Providing comfort to the bikers, travelers and coffee enthusiasts through their little alfresco cafe, it was frequented by even those from Naga Proper to check out this thriving cafe uptown. As the restrictions during the pandemic continue to  lighten, Chloe decided to expand the alfresco cafe she had started. She was able to realize the hassle during the rainy seasons and the inconveniences for her customers. The Km Eight now, is far from the Km Eight that Chloe had started. For their loyal customers, it was unrecognizable that they had to ask if the management changed. It was still the same management that started it all, there were just some improvements made to continue giving the customers the comfort they deserve when having their coffee uptown. From a kubo-kubo alfresco cafe to an aesthetic indoor cafe, Km Eight came a long way. 

    Thriving a business during the pandemic wasn’t easy for Chloe. She had also faced challenges, including hiring the right people and being uptown. Km Eight operates from 10 am to 9 pm and some of her staff had problems when going home since there were no modes of transportation by 7 pm and some also had problems going to work when the rain was pouring hard. Chloe had it resolved by having her staff stay in. Being a cafe located uptown has some challenges too in the business; it is not easily reached by those from Naga Proper unless they have a service or car since public transportation is also difficult in the area. There were times when the food traffic was not that strong, so she had to market the cafe properly since there was a time when their sales went down so, she relied on social media marketing. Also, cafes are everywhere in Naga, especially in downtown, so the competition was really high. This has made Chloe continuously improve Km Eight, not just its physical structure but also its service and the quality of coffee that they make. 

    With the expansion and improvement of Km Eight, a lot of money was invested for it. Chloe was thankful that she had relatives overseas who had invested in her business and pitched in for the expansion and improvement of the cafe. Moreso, she also added the total earnings of the business to start the renovations and to add some chairs, supplies, and equipment. She was able to manage the profits well because she made sure that the earnings of the business is not entirely hers but for the business itself to keep the cash flowing. 

    “Make sure yung pera sa business ay para sa business talaga. Dapat yung kinikita sa  business, yun din yung gagamitin sa pag improve, pang bili ng supplies at may salaray din ako. Dun ko minamanage yung kailangan hindi magalaw kaya may sariling bank account yung business para sa funds na pumapasok dito,” shared Chloe. For her to manage the cash flow well, she treats herself as if she is not the owner. She have a separate bank account for herself and would just a lot a salary for herself every month like any other employee because if she will be acting and feel like the owner, she will continue to spend the money that they are earning. 

    Like any other business owner, Chloe also considered loaning in a bank for expansion. However, the number of requirements, documents, and high-interest rates have prevented her from doing so. She had put the thought aside, although she is still open to it in the future if she will be needing it. She’ll grab it if there’s a chance as long as she has the capacity to pay for it.

    Starting with a low capital, Chloe was able to utilize the old structure of the hardware where Km Eight stands. Her machine still needs an upgrade, and she still looks for suppliers online offering low prices to keep the business going. But her small efforts eventually led to her making a mark in uptown Naga. There is a difference between seeing how far she has come and where she has started. 

    “I thought of a lot of things to further improve the cafe and I am inspired to do more to be better in what I do because, at the end of the day, it is how you make an impact.” She said.  Chloe has been hands-on in managing the cafe and sometimes makes the orders herself since extra manpower is needed, especially when there are a lot of customers. She also admitted that having this kind of business is challenging but fulfilling for her because when she sees people are satisfied with the product that they serve, she get to have the motivation to keep getting better and manage it well so that she will not miss out on anything  

    Her advice to those aspiring to start a business, “Just start. When you start, you learn. Along the way, makukuha mo na rin lang yan. Wag ka maging perfectionist agad. Minsan kalaban natin and imposter syndrome saying, ‘what if hindi mag work?’ Pero what if mag work nga?”

    Like Chloe, you might want to start your own business too, but sometimes we are afraid of the risks. But what if it works? Don’t you think that it is worth a shot? Hearing the word loan may make you feel intimidated as well, considering the requirements you have to meet. But you can put your worries to ease because at Bank of San Jose you can easily avail Negosyo Loan that is being granted to small and medium-scale enterprises with minimum requirements. As long as you have filled out the form, have 1 valid ID, Proof of Income, Medical Certificate, and Cedula, you can avail of a Negosyo Loan amounting to a minimum of P100,000 to P5,000,000 with a term of the loan from 1 to 5 years.