Servisit is a start-up cleaning services business started by Owen Rosco under the BECALL (Bicol Entrepreneurship and Empowerment Center for Accelerating Local Livelihood) Technology Business Incubator. But before Servisit focused on providing cleaning services in Naga City and nearby municipalities, it first provided computer services. With Owen’s background in electronic engineering, Servisit initially started by offering computer services and hiring onboard computer technicians. However, things were not systematized at that time. The onboard technicians also had other jobs and only considered Servisit as an additional income. Even so, with the rough beginnings, another opportunity came for Servisit based on recommendations which led them to focus on venturing out into cleaning services.
According to Owen, someone recommended a person who is very good at cleaning. Seeing the potential of offering cleaning services, they hired more cleaners on board, knowing that they get to help these people earn a living and, at the same time, provide cleaning services to those clients who need them. Owen realizes how some people hire cleaners to clean their houses, offices, and dorms because they cannot focus on cleaning due to having busy lives. Most of their clients are busy students, workers, and those with old parents who cannot move around to clean their houses. Servisit eventually found a new sense of purpose in offering cleaning services that are tailored to their client’s needs. They started offering quick cleaning, general cleaning, and dorm cleaning. An upgrade of additional services includes washing the dishes and folding the laundry.
Owen shared that one of the challenges he had to face in starting the business was talking to people. Admitting he is an introvert, “pinakatumatak na challenge is yung kumausap ng tao, kausapin yung taong may problema kasi ang goal ng business is to earn pero how do you earn if you cannot solve the problem of people.” Since he started Servisit, Owen has tailor fitted the goal of Servisit to solving people’s problems. Despite having a business that started as self-funded and mostly coming from his own allowances along with his two other co-founders, as time went on, they were able to earn little by little to keep the business going. Initially starting with P500, they bought the cleaning materials and equipment to be used by the cleaners. Each co-founder also added P1,000 for their starting capital.
With plans for the expansion in the finances, loaning in a bank is part of their considerations if there’s a come a stage that they would need it in the business and if they can already afford to pay for it. Owen invested in the business with the belief that “if your goal is to make an impact, the money will follow.” He wanted to focus on the improvement of the services they offer and believed that their earning would eventually grow in time.
As a young CEO of a start-up business, Owen said that it was fulfilling for him and that he loved the experiences and the learnings in the business field. It was difficult for him to balance studying, business, and his personal life, but what kept him going is his contributions and the opportunities he opened to the people because of Servisit.
“Wag ka pumasok sa business kapag hindi mo gusto yung ginagawa mo. Dapat may goal ka for venturing this kasi kung hindi ka motivated, kung hindi ka patungo sa goal na yun, wala siyang patunguhan. Dapat may sense of purpose ka.” Owen concluded. Owen is among the local entrepreneurs who had a vision as he ventured out this business with hopes of creating a positive impact to the lives of people through Servisit.
Do you also want to start up a business like Servisit? You can always make things happen with Bank of San Jose’s Negosyo Loan. The Bank of San Jose assists small and medium-sized business owners in expanding and succeeding in their business ventures which entrepreneurs can use as additional working capital or purchase fixed assets. Through the Negosyo Loan, you can loan P100,000 to P5,000,000 between 1-5 years with a payment scheme of monthly amortization, including principal and interest.
Pamitisan is from the Bicol word “bitis” which means“feet”. Made from pre-owned clothes, affordable and durable shoes with a cause for a sustainable environment and local community, Pamitisan came to be. Keenan Ivory Lee Duliesco and his classmates made this their thesis in college, and who would have thought that this would eventually cause a greater impact.
It was in the middle of the pandemic when Keenan and his classmates started making shoes out of old or used clothing, mostly from jeans. According to him, he first got the inspiration for the product from seeing kids outside selling rags and thought of making something out of old clothes for their thesis. Despite not having knowledge on shoemaking, they pushed through making their own research to create a new innovation which led to the making of the “rag shoes”.
With five members in their group, they first contributed P500 each for the materials to be used to make the product. Starting from scratch with no knowledge in shoemaking or business, they were able to make most of their resources as the production is low cost and has low labor cost. The Bicol State College of Applied Sciences and Technology (BISCAST) saw potential in the product made by the group of Keenan and chose it to represent their school in trade fairs for local products. What eventually started as a thesis became a pride and grew bigger as it also continued to attract interest for their cause and purpose.
Throughout their production of the “rag shoes,” which became “Pamitisan”, Keenan shared that they also faced many challenges as they started their business. Among those challenges was how to sell their product and for people to like it. Shoes are not considered a basic need and something that people do not buy that often. Also, the pandemic has limited their reach to the market. They don’t know how to introduce it outside of school, so they solely rely on social media marketing. They were able to build a strong product image that attracted a lot of interest because it has a social impact. For every pair of Pamitisan Slip-on shoes sold, 10% will be donated to Pamitisan’s chosen beneficiaries. Moreso, they also encourage donations of pre-owned clothes to have a 50% discount on Pamitisan Slip-on Shoes.
Joining several trade fairs through DTI, Pamitisan was able to win several awards at the recently held DTI Ferria de Camarines, which exhibited different fashion wear. They were able to win the Racketera Award (Best in Marketing) for putting up a booth not just to exhibit their product but they also put up a donation box to encourage donations of pre-owned clothes for the production of their product. Furthermore, they also won the Best Innovative Product in Footwear for using recycled materials.
As Pamitisan got to be known for their product and their cause, their connections grew, and so did the mass orders of Pamitisan Slip-on Shoes that they had considered mass production. From 5 members to 15 members, as their product was chosen to represent their school in trade fairs, each member contributed P1,000, which made them have a P15,000 starting capital to keep the production and operations going.
While open to the possibilities of getting a loan in the bank to expand their finances to hire more people for labor and buy more materials and additional equipment to be used for production, Keenan was advised by their mentor to have their product improved first because they were able to earn well from it and was able to utilize their resources for the production so far. From P15,000 capital, the sales of Pamitisan in 4-5 months went up to P60,000 with a net of P30,000. Each pair of Pamitisan Slip-on Shoes now costs P750, and 10% of it goes to chosen beneficiaries.
Take it one step at a time, don’t rush. Trust the process and make every step a purpose.” said Keenan.
This is his advice to all other young aspiring entrepreneurs. As the founder of Pamitisan, he shared his plans to partner with BISCAST to let the school invest in his business and become an investor to push forth mass production.
Pamitisan started in 2020. Starting a business right in the middle of a pandemic was not easy. But because of determination and passion in creating a social impact, a business thrives and continues to make its mark in the local community.
Are you also a local entrepreneur who wants to expand your business but low on funds? You can avail Negosyo Loan at Bank of San Jose. The Bank of San Jose supports Small and Medium-Scale Entreprises. Not everything starts big but with Bank of San Jose, your small or medium-sized businesses could grow big. Negosyo Loan could help in expanding and further succeed in your business ventures.
Looking for the perfect home in Naga can be a daunting task, with so many options available. To help you make the right choice, this guide will showcase the top subdivisions in Naga, each offering its own unique blend of amenities and advantages.
Whether you’re searching for a peaceful neighborhood with easy access to nature, or a bustling community with an abundance of shopping and dining options, you’re sure to find something that meets your needs and exceeds your expectations. Whether you’re a first-time home buyer or an experienced investor, this guide will provide you with the information you need to make a confident and informed decision about your next home. So let’s start exploring the best subdivisions in Naga and find your dream home today!
Top Neighborhoods in Naga City
St James Subdivision
Lumina
Jardin Real De Naga
Amaia Scapes
Camella Homes
St Jude Orchard
San Alfonso Homes
Deca Homes
Advantages of Getting a Bank Loan
Top Neighborhoods in Naga City
St James Subdivision
St. James Subdivision has everything you need for a balanced and active lifestyle. This gated subdivision has a clubhouse with a lounge and events hall for socializing and hosting. Meetings, conferences, and private events are easy in the function room. The property management office maintains the community and promptly addresses residents’ needs.
Swim in the adult or kiddie pool. The basketball court, playground, and play field offer exercise and recreation. The pocket gardens, landscaped areas, tree-lined planting strip, and sidewalks create a relaxing atmosphere.
A 24-hour security system and perimeter fence secure the community. The underground drainage system, MNWD water supply, and overhead electrical power distribution system keep the community clean and safe.
This is a community where you can live, work, and play, all in one convenient location.
Amenities:
Clubhouse
Lounge Area
Events Hall
Function Room
Property Management Office
Adult Swimming Pool
Kiddie Pool
Basketball Court
Children’s Playground
Play Field
Pocket Gardens and Landscaped Areas
Tree-lined Planting Strip and Sidewalks
Main Entrance Gate
24-hours Security
Perimeter Fence
Underground Drainage System
Water Supply System from MNWD
Overhead Electrical Power Distribution System
Lumina
Lumina Homes is Every Juan’s Home! A vibrant and secure community where families can thrive and play. This subdivision features a playground that offers a fun and safe environment for children to play and explore.
For added peace of mind, the community is fully secured with a gated entrance that ensures that only residents and authorized guests have access. The basketball court provides a great venue for a friendly game of pickup basketball or for those who want to improve their skills.
This community offers a warm and inviting atmosphere where families can come together and create memories.
Lumina Amenities:
Playground
Gated Entrance
Basketball Court
Jardin Real De Naga
Modern living with Asian charm in a peaceful community. This beautifully designed subdivision has 10–15-meter-wide concrete roads with curbs, gutters, and sidewalks for easy access and mobility. During heavy rains, an underground drainage system keeps the community clean and safe.
The subdivision’s landscaped grand entrance and guardhouse welcomes residents and guests. This community offers a pool, basketball and tennis courts, a jogging path, and a clubhouse. The Casureco 2 electrical facilities and water system connected to the local water district provides all modern conveniences.
The Chinese Garden is the community’s centerpiece, with a Chinese-designed main entry arc, moon gate, meditation garden, lotus pond with man-made waterfalls, and an elevated open and covered Chinese imperial court guarded by dragons and lions. Picnics and outdoor events are perfect in the service gazebo and oriental garden. The Chinese Garden’s concrete walkways, perimeter fence, and restrooms enhance comfort.
This unique community blends Asian elegance with modern amenities.
Features
Concrete curbs and gutters
Concrete sidewalks
Underground drainage system
Landscaped Grand Entrance with Guardhouse
Swimming Pool
Basketball and Tennis Court
Jogging path
Clubhouse
Water System connected to the local water district
10 to 15 meter-wide concrete roads
Chinese Garden Highlights
Chinese-designed main entry arc
Moon gate
Meditation Garden
Lotus pond with man-made water falls
Elevated open and covered Chinese imperial court guarded by icons of dragons and chinese lions
Service Gazebo
Landscaped oriental garden
Concrete walk paths
Perimeter fence
Rest Rooms
Amaia Scapes
AMAIA is Ayala Land, Inc.’s affordable residential brand. All its developments are based on location, features and amenities, quality, buying experience, and living experience.
Discover a peaceful community in the city. Residents feel safe and secure in this gated subdivision as the fence protects the community.
A tree-lined spine road runs through the neighborhood, creating a peaceful atmosphere. The pavilion hosts community events and social gatherings.
Swim in the community pool on hot summer days. Basketball and playgrounds offer exercise and fun. Picnics, reading, and sunbathing on the patio green are relaxing and peaceful.
This community offers everything you need for a comfortable and tranquil lifestyle.
Features and Amenities:
Guarded Entrance and Exits
Perimeter Fence
Tree-lined Spine Road
Pavilion
Swimming Pool
Basketball Court
Playground
Patio Green
Camella Homes
Whether you’re a growing family in need of more space, or a couple looking for a quiet neighborhood to retire in, we’ve got you covered.
You can take pleasure in running, strolling down a street lined with trees, taking part in family-friendly recreation in a park, enjoying the pool, and much more. There are various services that keep consumers and their families safe and comfortable, including water drainage systems, 24-hour security, and many others.
Transportation is also convenient to and from Camella Homes; you can take a jeepney to Downtown Naga and nearby restos as well. If you decide not to go too far, choose the Exit from Camella Homes to Vista Mall, where you can visit AllHome, All Day Supermarket, and a variety of Restos and Cafes.
Amenities:
Clubhouse for special occasion
Swimming Pool
Basketball Court
Parks and Playground
St Jude Orchard
A luxurious, sustainable subdivision. An underground drainage system keeps this community clean and safe while preserving its natural beauty.
This subdivision has lots from 130 to 200 square meters, making it ideal for families of all sizes. The city water district provides residents with reliable water.
This community has excellent amenities, starting with the clubhouse for socializing and recreation. Families can bond and play in parks and playgrounds. The wide main entrance road, street lights, and trees create a welcoming atmosphere.
The subdivision has a perimeter fence, landscaped gate, and grand entrance for security. This community is perfect for living due to its meticulous design and construction.
Amenities
system of underground drainage
Many subdivision lots are between 130 and 200 square meters in size.
Clubhouse Parks: Water supply from the City Water District
child’s play area
Streetlights and trees are present along the wide main entrance road.
a boundary fence
gate with a fully landscaped entrance
San Alfonso Homes
A premier subdivision that blends modern convenience and peaceful living. Wide roads and cutting-edge cable, power, and phone services keep you connected in this community. A concrete fence and 24-hour security provide security. The entrance gate’s landscaped guardhouse sets the community’s tone.
The family-friendly subdivision has a school and shops. Tree-lined streets add to the tranquility. The community has a multipurpose hall, basketball court, and playground. The subdivision has a central park for picnics, outdoor activities, and relaxation.
This walled subdivision offers comfort, security, and convenience.
Amenities:
broad road
electric power, telephone provision, and cable facilities
concrete boundary fence
24-hour surveillance
Walled community
Gate and guardhouse in the landscape
both commercial and educational areas
street trees that have been planted
Basketball court Children’s playground
Multiple-purpose room
Downtown Park
Deca Homes
Homes by Deca One of Naga City’s greatest assets is its commitment to keeping real estate costs low and the city’s real estate market growing. While there is always space for improvement, the city’s barangays are seeing rapid real estate growth. One of the factors drawing residents from nearby towns and provinces to the city is the growth of institutions like hospitals and other universities.
Deca Homes, which has been prosperous for many years in the city, recently opened a four-story corporate facility along Panganiban Drive, with three of the floors being rented out. The subdivision is intended for newlyweds and families who desire to live on their own.
Advantages of Getting a Bank Loan
With a bank loan, you can get all these advantages:
Affordability:
A home loan allows you to spread the cost of buying a home over a longer period of time, making it more affordable and manageable.
Forced savings:
Repaying a home loan requires you to make regular payments, which can help you save money and build equity in your home over time.
Access to better homes:
A home loan may allow you to purchase a more expensive or larger home than you would be able to afford with cash.
Stable monthly payments:
Fixed-rate home loans offer the stability of a consistent monthly payment, which can be helpful for budgeting and planning.
Financial flexibility:
Some home loan programs offer the option to make additional principal payments or to refinance your mortgage, providing you with greater financial flexibility over time.
Acquiring a home in a subdivision in Naga City can be a big investment, and getting a bank loan from the Bank of San Jose can help make this dream a reality.
The Bank of San Jose offers home loans that can help make your dream of homeownership in Naga City a reality while also providing financial benefits and stability.
As a small business owner in Camarines Sur, finding the right vehicle to support your operations can be a critical factor in its success and growth.
With a wide range of options available, it’s important to choose a vehicle that is both efficient and cost-effective while also meeting the unique needs of your business. In this article, we will explore the top vehicle choices for small businesses in Camarines Sur, highlighting the key features and benefits that make each option a great choice for maximizing efficiency and cost-effectiveness on the road. Whether you’re looking for a reliable vehicle for deliveries, a comfortable MUV, or something in between, this guide will help you make an informed decision for your business.
Best Vehicles for Small Businesses in Camarines Sur
1.Hatchback
Hatchbacks are an excellent choice for small businesses in Camarines Sur due to several key advantages. They are a practical and economical choice for small businesses in the province. With their combination of affordability, efficiency, versatility, and convenience, they offer a great balance of features for businesses looking to maximize their budget and resources.
Here is a list of reasons why Hatchbacks are good for small businesses:
Compact size
Fuel Efficiency
Versatility
Cost-effectiveness
Low maintenance
Easy to park
Eco-friendly
A hatchback can be useful for a variety of small businesses, including:
Delivery services: Companies that deliver packages, food, or small items within a local area can benefit from the maneuverability and fuel efficiency of a hatchback.
Service businesses: Plumbers, electricians, or HVAC technicians can use a hatchback to transport tools and equipment to job sites.
Sales and marketing: Representatives who need to visit clients or attend trade shows can use a hatchback for efficient and cost-effective transportation.
Catering: Catering companies can use a hatchback to transport food, cooking equipment, and supplies to events.
This is not an exhaustive list, and the specific type of small business that can benefit from a hatchback will depend on the needs of the business and the nature of its operations. Due to their smaller size and simpler design, hatchbacks typically have lower maintenance costs compared to other types of vehicles.
Browse through the newest models of a hatchback here
2. Pickup Truck
Pickup trucks are a popular choice for small businesses in the province due to their versatility and practicality. One of the biggest advantages of pickup trucks is their large cargo space, which allows businesses to transport a variety of goods, equipment, and supplies with ease. This makes them ideal for a range of industries, from construction and landscaping to deliveries and service work.
Here is a list of reasons why a Pickup Truck is good for small businesses:
Versatile cargo space
Towing capabilities
Ruggedness and durability
Cost-effectiveness
Comfort and convenience
High resale value
Brand reputation
Pickup trucks can be a useful vehicle for various small businesses, including:
Contractors: Builders, carpenters, electricians, and other contractors can use a pickup truck to transport tools and materials to job sites.
Delivery services: Companies that need to transport larger items, such as furniture or appliances, can use a pickup truck to make deliveries.w
Agricultural businesses: Farmers, ranchers, and other agricultural businesses can use a pickup truck for transporting crops, livestock, or equipment.
Home repair and remodeling: Handymen and home repair professionals can use a pickup truck to transport tools and materials to job sites.
A pickup truck is a one-time investment that can be used for multiple purposes, saving small businesses money in the long run. Pickup trucks are built to withstand tough terrains and challenging conditions, making them ideal for small businesses. Modern pickup trucks offer comfortable and convenient features such as air conditioning, power windows, and audio systems.
Browse through the newest models of Pickup Trucks this 2023 here
3. Multi-Purpose Vehicle (MPV) or Multi-Utility Vehicle (MUV)
MPVs offer a combination of practicality, versatility, and cost-effectiveness that makes them a great option for small businesses in the province. Whether you’re transporting clients, employees, or equipment, an MPV can provide a reliable and comfortable solution for your business needs.
Here is a list of reasons why a Multi-Purpose Vehicle (MPV) is good for small businesses:
Versatility and spaciousness:
Safety and Security
Modern features
Fuel-efficiency
Professional appearance
Comfort
Cost-effectiveness
Reliability
A Multi-Purpose Vehicle (MPV) or Multi-Utility Vehicle (MUV) can be useful for various small businesses, including:
Transportation services: Use MUVs to transport passengers to and from areas in Bicol; Naga, Legazpi, Iriga, Nabua, etc.
Tour and travel companies: Tour and travel companies can use an MPV or MUV to transport small groups of tourists to different locations, such as Caramoan and around tourist attractions in Camarines Sur
Delivery services: Companies that make deliveries of larger items, such as furniture or appliances, can use an MPV or MUV to transport these items and multiple workers.
Event services: Event planners, photographers, or videographers can use an MPV or MUV to transport multiple people and equipment to events.
MPVs are fuel-efficient and offer low maintenance costs, making them a cost-effective option for small businesses. MPVs are equipped with modern features such as air conditioning, entertainment systems, and advanced navigation systems. With a sleek and professional appearance, MPVs provide a professional image.
Browse through the newest models of MUVs this 2023 here
4. Multi-Cab
A Multi-cab is a compact and versatile vehicle that can be a great option for small businesses in the province that require a versatile, reliable, and cost-effective vehicle for their day-to-day operations.
Here are some of the reasons why a Multi-cab can be beneficial for small businesses:
Space and versatility
Cost-effectiveness
Durability
Maneuverability
Customizability
A multicab is a type of small commercial vehicle that is similar to a minivan or pickup truck. They can be useful for various small businesses, including:
Delivery services: Businesses that make local deliveries of small items, such as packages or food, can use a multicab for its compact size and maneuverability.
Agricultural businesses: Farmers can use a multicab to transport crops, livestock, or equipment within Camarines Sur
Contractors: Handymen, electricians, and other contractors can use a multicab to transport tools and materials to job sites.
Home repair and remodeling: Home repair professionals can use a multicab to transport tools and materials to job sites.
Multi-cabs are suitable for small enterprises that need to transport staff and goods. They are economical and fuel-efficient, helping small enterprises cut expenditures. Businesses that need a durable, reliable vehicle should choose multi-cabs. Multi-cabs are compact and easy to drive, making them perfect for limited provincial roads.
5. Tri-bike or Tricycle
A Tri-bike, also known as a tricycle, can be a good choice for small businesses in the province due to its compact and maneuverable design, making it ideal for navigating narrow roads and tight spaces. Its ability to carry cargo or passengers makes it a versatile option for businesses in need of transport for deliveries or transporting goods and people. Additionally, it offers low operating costs and fuel efficiency, making it an economical choice for small businesses with limited budgets. Its small size and low maintenance also make it easy to manage and maintain, providing a reliable and cost-effective transportation solution for small businesses in the province.
Here are some of the reasons why a Tri-bike can be beneficial for small businesses:
Cost-effectiveness
Maneuverability
Fuel Efficiency
Versatility
Easy to Park
Environmentally Friendly
Tri-bikes are a cost-effective option for small businesses, as they are relatively cheap to purchase and maintain compared to larger vehicles. They are highly maneuverable, making them ideal for navigating narrow streets, tight corners, and busy traffic areas in the province. Tri-bike operations also leave a smaller carbon footprint than larger vehicles, which makes them an environmentally friendly option.
A tri-bike can be beneficial for various types of small businesses, including:
Water refilling stations: Tri-bikes are ideal for transporting water containers for delivery services in nearby areas
Livestock: Pigs and other livestock can be transported using a customized tri-byke going to slaughterhouses or for delivery.
This list’s diversity of cars demonstrates that not every transportation is appropriate for every type of company. Although not all business owners can afford to buy one, others may want to have the hatchback so that it may serve as a family service vehicle. A garage or other appropriate and secure storage space is also required for whichever car is selected for the business, in addition to the actual vehicle cost. This may raise the additional cost as well.
Advantages of buying a car for your small business
Increased mobility and flexibility:
Having a dedicated vehicle for your small business allows you to move around freely around and about the entire Bicol Region without having to rely on public transportation or rental cars.
You can go to Downtown NagaThis added mobility and flexibility can help you better serve your customers and make more productive use of your time.
Cost-effectiveness:
While buying a car can be an initial investment, it can be a cost-effective option in the long run compared to continuously renting or using a personal vehicle for business purposes. Delivery services and constant going around on a commute will be much more expensive in the long run.
Improved image and professionalism:
A well-maintained, branded vehicle can give your small business a more professional image, making a positive impression on customers and clients.
Customizability:
A company-owned vehicle can be customized to meet the specific needs of your business, such as adding a rack or storage for equipment and supplies.
Dedicated space for advertising:
A company-owned vehicle can serve as a mobile billboard, helping to increase visibility and awareness of your brand.
Imagine going around Downtown Naga showing off your brand and what it can do – this is an instant advertisement!
Better control over maintenance and repair costs:
By owning your vehicle, you have more control over maintenance and repair costs, making it easier to budget for these expenses and ensure your vehicle is always in top condition.
Having a car loan from a bank can be a great financial solution for small businesses. The loan can provide the necessary funds for the purchase of a vehicle which provides a solid foundation for the growth and success of a small business, among many others.
Having a small business sideline can provide multiple benefits during challenging times.
It can act as a source of additional income and help to augment your salary, provide financial stability and security, offer you the opportunity to pursue your passions and interests, and help you develop new skills and knowledge.
Small business ideas are plentiful, and there is a lot of potential for entrepreneurs here in Bicolandia. With the right combination of skills, resources, and determination, starting a small business can lead to success.
The following are some of the most popular and promising small business ideas for Bicolanos in 2023:
The existing land use of Camarines Sur is still predominantly agricultural. It is then probably a great idea to start working on what we have abundantly in our region.
1. Livestock Raising
Animals raised in the backyard for food or work are known as livestock. These include cattle, goats, pigs, chickens, ducks, and quail.
With abundant farmland and open spaces in municipalities, livestock raising remains a profitable and sustainable business enterprise.
If you have chickens in your backyard, you are undoubtedly already aware of the fact that the family benefits financially from the sale of eggs and chicken meat, which may bring in additional thousands of pesos per month.
In the Bicol region, hogs made up the majority of the livestock raised and cared for. Tending of carabao ranked second, and other major livestock reared and tended in Bicol Region were cattle, goats, and horses.
2. Poultry Raising
The strong demand for eggs and meat, as well as the availability of land and feed, are the key factors that encourage chicken production.
The practice of raising chickens in one’s backyard has gained popularity. Setting it up and running it are far less expensive. Chickens can be kept in tiny spaces and still produce a lot of meat and eggs (at least one acre per thousand birds).
An average of 1.5 million chickens are produced per hectare by smallholder poultry growers.
Camarines Sur shared 62.1 percent of the total chicken produced for the region, followed by Albay with 12.0 percent share. Duck raising came next, while quail raising activity came in third.
3. Farming
With a total of 207,500 hectares across 59,353 farms, Camarines Sur was second in the Bicol region in terms of farmland in 2015, according to PSA. The main crops farmed in the province are coconut, rice, corn, cassava, sweet potato, and mango.
In 2002, palay was the main short-term crop in the area, followed by corn, and sugarcane. Tubers, roots, and bulbs, and fruit-bearing vegetables were also planted as temporary crops in Camarines Sur.
4. Rice Retailing Business
Rice will surely be a bestseller because Bicolanos consume it every day. Scout for a place that is situated in a desirable neighborhood or maybe offer delivery so your customers could find it more convenient to receive their sack of rice.
5. Crops
Farmers in our region are making similar improvements as farmers in other areas of the country.
Crop growers can now live simply thanks to the consistent income that vegetables have given them.
Coconut remained the major permanent crop in the region, and Pineapple was the second. Pineapple was predominantly planted in Camarines Norte and abaca in Catanduanes, while the rest of the provinces were devoted to coconut plantation.
The next most important crop is abaca, bananas, and mango
Vast eggplant plantation in Mambalete, Libmanan owned by members of the Agripreneur Farmers Producers Association, Inc. (AFPAI).Cabbage plantation at the mountainous areas of Busac, Libmanan owned by members of the Agripreneur Farmers Producers Association, Inc. (AFPAI).
Other non-Agri related business are:
1. Online Selling
Are you a home buddy? With a few online clicks, you can actually make money from home. Nowadays, social networking platforms like Facebook and Twitter and online selling platforms such as Shoppee and Lazada make it simple to sell products. Just remember to come up with a distinct product to market and be responsive to queries all the time.
2. Thrift Shops
Opening a thrift shop is both exhilarating and difficult. It is absolutely style for less money, and it is sustainable fashion.
Low maintenance costs, a variety of stock alternatives, and expansion possibilities are benefits of operating a thrift store business in the Philippines. On the other side, poor profit margin, time-consuming, and a small client base are drawbacks of opening a secondhand store in the Philippines.
3. Grab Car
Given that Grab Car is now available in Naga City, some business-minded individuals in the Metro will undoubtedly consider it as their next must-try business opportunity.
There are a few requirements needed to be accredited as Grab Peer; prepare the necessary documents, have a driver if you cannot drive your car and have a car that is less than three years old.
You can sign up for a car loan to get this business started. The Bank of San Jose offers car loans to help you set the wheels of your dream car for business or pleasure into motion.
4. Small Cafe or Restaurant
Starting a cafe or restaurant from home can provide both personal satisfaction and financial gain, just like the success of Arco Diez, Mama Sarahs, KM Eight Cafe, and Kixkaye who began small by utilizing their homes and have now grown into thriving businesses.
As a small business, it offers the advantage of low overhead costs and the flexibility to cater to your local community. Whether you have a passion for cooking or a desire to run your own business, a home cafe or restaurant can be a great way to turn your dream into a reality. With careful planning and hard work, you can create a welcoming atmosphere and serve delicious food and coffee that will keep customers coming back.
We hope that this list serves as an encouragement for you to take a step closer to realizing your entrepreneurial dreams.
Acquiring a business loan can be incredibly helpful for starting a small business as it can provide the necessary funding to get the business off the ground and running. With a loan, entrepreneurs can purchase equipment, hire employees, purchase inventory, and cover other start-up costs that they may not be able to afford on their own. Additionally, a loan can help a business grow and expand, enabling it to take advantage of new opportunities and increase its revenue.
The good news is that starting your own business doesn’t need you to spend all of your savings. You can launch your own business now with a negosyo loan from Bank of San Jose.
One of the most important decisions you’ll ever make is whether you will buy a new house or invest in home improvement.
A lot of Filipinos desire to own a home. However, purchasing a home or other piece of property in the Philippines can be very pricey. But with the aid of a housing loan, you can still purchase your ideal home despite the huge upfront cost of real estate.
Read along to know some tips on how to get a housing loan approved:
1. Understand if you can avail of a housing loan.
You are allowed to avail of a housing loan if:
A. You are in possession of clean titled properties
Potential borrowers can take advantage of a low down payment and affordable housing program to buy a residential house and lot or lot only, townhouse, condominium unit, or any other single-family dwelling with a clean title and a contract to sell with developers.
B. You have an existing house but want to improve your residential property
Borrowers who would want to finish or renovate their residential properties in order to boost their worth, make them more useful, or just to make them more beautiful so that the family will be more comfortable
2. Know all the components of a loan and consider if you are amenable.
Knowing the components of a housing loan is essential before you apply for one.
These are the four primary factors you need to think about while choosing one.
A. Periodic payment
Your monthly payment should fit within your budget based on the loan amount the bank will approve you for. Remember, there are interest penalties if you miss a due date.
B. Initial payment
This sum is the down payment for a house.
C. Loan period.
The length of the loan directly affects the total amount of interest paid. The total interest paid increases with tenure and vice versa. On the other hand, the longer the loan, the lower the monthly amortization.
D. Interest rate type.
Fixed-rate and variable-rate terms are both available. If you desire regular monthly payments, you should go with the former. The latter features interest rates that fluctuate in line with changes in the market.
3. Eligibility
When you apply for a housing loan, your lender will consider the following aspects when determining your eligibility and capacity to repay the loan amount.
A. Earnings
Your income and/ or your spouse’s income (if both of you are applying for the home loan), and any other source of income, if you have one. This determines your capacity to pay off the loan and the amount that you are allowed to loan.
B. Age
Payments of loans may take years. Hence, age is an important factor to consider.
C. Occupation Stability and Continuity
Generally, in order to be eligible for a house loan, you must have been employed for at least two years. You might still be approved for a house loan even if you work for yourself or own a business. Additional information regarding your taxes, earnings, income, business licenses, and other pertinent documents will be required.
While upholding adherence to strict lending laws and procedures, the Bank of San Jose has paved the way for more hardworking Filipinos to realize their dream of home ownership.
Bank of San Jose offers a “Pa-Bahay” Housing loan; a house and lot acquisition and home financing program that can be processed for a minimum of 8 banking days after all the requirements are complied.
Achieve your dream house without having to worry about hidden bank charges and Pre-Term Fees. The bank offers Paybreaks and provides a variety of promotions and flexible payment alternatives to meet every type of property seeking.
Know more about their guidelines and requirements here, give them a call, or visit their branch near you.
Planning for a home renewable energy system is something all Bicol homeowners must consider in this time of rapid inflation and supertyphoons.
In this guide, we’ll go over everything you need to know about it to help you decide whether or not it’s worth it for you.
Renewable energy is power generated from sources that deplete and refill themselves at a rate that is manageable by humans. Energy from the sun, the wind, and the flow of water all count.
Solar energy is radiantlight and heat from the Sun that is captured and used to create electricity using a variety of technologies.
Benefits of Solar-Powered Energy
The positive effects of renewable energy on our economy, ecology, and health are extensive.
If you live in the Bicol area, you can reap these rewards from switching to renewable energy solar-powered sources:
1. Unlimited power source
Solar energy is a renewable resource that may be collected using solar panels. In addition to being renewable, it is limitless.
2. Avoid Power Interruption
It is but one of the major dilemmas of every Bicolano homeowner. Among the frequent causes of power outages in the province are:
Line clearing activities
Hotspot correction
Repair of primary outline
Pole replacement
Busted and overload transformers
All these, and probably even more causes, are the reasons why we experience constant power interruption, scheduled or not, during the summer season mostly and even at any other time of the year.
Solar energy source allows you not to worry if and when the next power outage or interruption will come.
This is especially important after the supertyphoons that constantly batter the Bicol region and leaves us with no electricity for more than two weeks afterwards.
3. Short-Term Costs for Long-Term Benefits
Although renewable facilities necessitate initial investments for construction, they can function at meager operating costs (as long as the sun goes up, the “solar energy” is free).
Moreover, you can take out a loan for the upfront costs and use what you pay to the electric coop to pay for the bank loan instead. After paying off your loan, the electricity is basically free (well except for the upkeep of the batteries and components)
4. Reduced Electricity Bills
Electricity bills are metrics on what we have to pay each month. Your energy consumption might have been the same for you for a long time now, but price hikes of electricity per kilowatt hour have become more and more difficult to bear, and this is projected to increase even more as the world economy goes into recession.
Updated power rates as of October 2022 (CASURECO 1)Updated power rates as of October 2022 (CASURECO 2)
Updated power rates as of October 2022 (CASURECO 3)
As you create your own electricity with a home solar energy system, solar energy could reduce your utility expenditures by 30 to even 100%. Your home’s solar panels will allow you to consume power for nothing during the day and through the use of batteries during the night.
5. Stability
This means a stable voltage (which is also a problem here) and a stable power supply. No more power outages, post-typhoon blackouts, power surges, etc.
Stability could also mean stability in the price of electricity and freedom from the ever-increasing energy prices of the public power grid.
We are seeking to move beyond sustainability, and the Bicol Region’s abundance of renewable energy resources is a big reason why.
Switch to the sun and start saving! The Bank of San Jose is now accepting Solar Financing to help you take another step toward sustainability.
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