MY BOOK REPORT

Name Villones, Jeyhan Ver A.

Course, Year & Section BTVTED 1-B
Subject Code & Title INTRO-TECH 163 Entrepreneurship
Date Submitted
Date Reported
Topic Title Managing Small Business Risk
Author(if any)
Website
Web Page
Learning Objectives At the end of the Book report in Managing Small
Business Risk, the students are expected to do the
following task with 80% proficiency:
1.
2.
3.
General Introduction :

A risk can be defined as an event or circumstance that has a negative effect on your business,
for example, the risk of having equipment or money stolen as a result of poor security procedures. Types
of risk vary from business to business.

You must decide on how much risk you are prepared to take in your business. Some risks may be critical
to your success; however, exposing your business to the wrong types of risk may be harmful.

PRELIMINARY ACTIVITIES:

A. PRAYER - Let us inculcate into your mind that lets us recognize God first before all and teachers must be the
one these people who promote the goodness of God A prayer must be done first before classroom discussion for us
to be guided with our Almighty Father.

B. ATTENDANCE - (Teacher must check the attendance of the students for us to be aware whether our students
are attending class or not.)

C. REVIEW OF PAST LESSON - (Before introducing a topic, teachers must allow their students to recap the last
lesson they have discussed. This is also one of the ways to re-evaluate the learning of the students).

D. MOTIVATION - (Teacher must prepare motivation with regards to topic they prepare for them to catch and seek
attention of the learner's).

Risk and the Small Small Businesses:

Risk is an inherent part of being in business. It can be managed and its adverse outcomes can be
mitigated. The greatest challenge for small business owners is to find the proper balance between peace
of mind and profitability. Trying to completely eliminate risk from your business is unrealistic and can be
prohibitively expensive or cause you to institute policies that may be so risk averse that your business
never grows.

When many business owners think about “risk management” it’s usually limited to purchasing standard
insurance protection without much consideration for other ways to protect the business. Risk management
can be very complex, but it doesn’t have to be at first. Get started with a simple, easy to follow plan for
managing and mitigating business risks and if needed expand from there.

Take these steps to put an initial risk management plan into place at your company:
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
First: identify risks

Some risks are common to most or all businesses. Others are very specific to your business and only you
as the owner can know them. The best way to approach this is to use a standard risks checklist as a start
and then add to it based on your specific expertise. The Small Business Administration provides a Small
Business Insurance and Risk Management guide which addresses potential risks.

Some initial risks to think about are:

 Property losses – typically occur from physical damage, loss of use and/or criminal activity.
 Business interruption losses – occurs if your business stops selling for some reason (say because
of a fire). In addition to the property losses incurred, the company would not be able to produce
goods and sell them. This “interruption in your business activities” can be protected.
 Liability losses – refer to legal liability for damages or injury caused to others by your company.
 Key person losses – refer to the costs associated with an important employee or owner becoming
sick, disabled or dying. The impact of a key person loss on a small business can be catastrophic.
 Injury to employees – refers to the costs associated with an employee becoming injured while at
work.

Second: determine your company’s vulnerability for each risk

Vulnerability is a function of probability – what are the odds that a particular risk will materialize- and cost –
how much does your company stand to lose as a result. The goal of this step is to quantify which risks are
worth worrying about and which ones aren’t. For the ones that are worth worrying about, the question
becomes how affordable is it to protect your company against that risk. If a particular risk has a low
probability of occurring and if it did would cost your company a maximum of $50,000 in losses but it will
cost $45,000 to protect against this risk, it may not be a good use of resources to protect against it.

Third: prepare contingency plans

Contingency planning goes beyond just buying insurance. There are many ways to manage risks:

 Implementing policies that value employee safety over speed

 Installing a security system to guard against property losses
 Avoiding transactions with dubious potential customers
 Training high potential managers on the roles and responsibilities of their superiors to protect
against key person losses
 And more...

An effective risk management plan is comprehensive and creative. It goes beyond insurance.

Fourth: Acquire the right types of insurance

Insurance, however, should not be forgotten or minimized! It is a central part of risk management. Key
types of insurance are:

 General liability insurance – Covers expenses related to legal liability for injury to a third
party. Typically covers property damage, bodily injury, medical expenses and the cost of hiring
legal counsel to defend your company.

 Product liability insurance – Covers expenses related to legal liability for injury or damage caused
by a defective product. If your company manufactures, distributes or sells products at retail then it
would be wise to obtain product liability insurance.

 Professional liability insurance – Similar to product liability insurance, but for services instead of
products. This protects against malpractice, errors and negligence. It is sometimes referred to as
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
 “errors and omissions” insurance.

 Commercial property insurance – Covers the loss of and damage to business property. Property
losses and business interruption losses discussed in the first step are typically covered by
commercial property insurance.

Fifth: Monitor and adapt as needed

Risk management plans should be reviewed and updated regular. Taking a few days every six months to
review and update it for the current conditions of your business is a wise investment. This review meeting
should include the owners, department heads and (if warranted) a risk management consultant. Many
times insurance companies – with an eye on reducing payouts on claims – provide hands on advice on
mitigating new risks as they come along. During the update period it would be a good time to reach out to
them as well.

Having a good grasp of risk management for your business will also be important if you plan to raise capital
from investors. It is essential for getting them comfortable with the investment opportunity.

Risk Confronting Small Business:

1. Business Interruption
What would happen if a fire or storm caused your facility to be temporarily unusable and forced you to shut
down operations? Small businesses often rely on daily business transactions to turn a profit. To mitigate
the loss of revenues, payroll, temporary rent expenses while your business facilities are being repaired,
Business Interruption insurance can be added to your commercial property policy. This will allow you to
cover the loss of income, maintain payroll and more (varies with each carrier and package).

2. Supply Chain Interruptions

If one or more third-party suppliers which produce certain components used in your products has a
business interruption, then you could experience some production interruptions of your own. You may have
some contingency plans already in place to mitigate any immediate problems, however, if you do not,
supply chain insurance can help mitigate the costs. Such coverage allows you to work confidently with
suppliers who face exposures beyond your control.

3. No Legal Adviser
Many new small business owners don’t have the time, money or expertise to evaluate each legal detail of
the contracts being signed. Unfortunately, this can lead to legal oversights which can result in huge legal
fines. Spend a little to have a legal adviser make sure your business is not accepting additional and
unnecessary risk for a small legal fee now.

4. Liability for Injuries and Damage

No matter how well you prepare and set safety standards, the unexpected can happen. Suddenly, a small
business can found liable for costly physical injuries, personal injuries (libel or slander), advertising injuries
and property damage as a result of products, premises or operations. Never skimp on Commercial General
Liability (CGL) coverage!
This insures your business can continue normal operations while managing real or fraudulent claims of
negligence or wrongdoing.

5. Loss of a Key Employee

Many small businesses rely on the expertise of a few individuals. What would happen to day-to-day
operations if one of these crucial employees were unexpectedly injury or lost? Could you cover the cost for
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
a temporary replacement? If your small business is built on the function of certain employees, then Key
Person Insurance can provide you with financial support to cover or replace them so your business can
function smoothly.

6. Wrongful Employment Practices

Real or fraudulent, every employer has the potential for incurring lawsuits from potential, current and former
employees for wrongful employment practices. Along with a legal adviser, speak with your insurance agent
to consider adding Employment Practices Liability coverage to protect your company against wrongful
termination, discrimination (age, sex, race, disability, etc.) or sexual harassment lawsuits.

7. Workers Compensation Claims

Small business owners often struggle with understanding their employee health and safety obligations.
Unlike their larger counterparts, small businesses have the same responsibility to indemnify workers who
are injured or become ill during the course of their employment, but lack the human resources expertise to
manage the workers compensation claims process and overall costs. Employee injuries have an impact on
insurance premiums, which can increase your costs for years to come.

Aside from obvious preventative safety measures and training, small business owner may want to consider
utilizing a third-party risk management specialist. These experts can review your exposures, address
inefficiencies in the claims process and help you reduce accident rates for long-term savings.

8. Damage, Loss, Theft of Property, Equipment or Electronic Data

A small business is often responsible for commercial property, crucial equipment and costly electronics.
Take a complete inventory of all your assets to determine how a loss might affect your business and how
much coverage you need. It is vital that small business have the proper amount of Commercial Property
Insurance, Equipment Coverage and Cyber Liability Insurance.

Property coverage can come in many forms to suit your specific needs, but a typical policy will provide the
replacement cost value for your building, cash value for your business property. Equipment coverage can
replace your machinery. And cyber liability coverage can protect your business from loss of electronic data,
cyber-attack and other internet-based threats.

9. Environmental & Pollution Liability Losses

Unless you carry Environmental Insurance or Contractor Pollution Insurance, you may be uninsured
against significant environmental or contractors pollution fines. Protect yourself from environmental impacts
resulting in bodily injury, property damage or remediation costs.

What Is Risk Management ?

Risk management is the process of identifying, assessing and controlling threats to an organization's
capital and earnings. These threats, or risks, could stem from a wide variety of sources, including financial
uncertainty, legal liabilities, strategic management errors, accidents and natural disasters. IT security
threats and data-related risks, and the risk management strategies to alleviate them, have become a top
priority for digitized companies. As a result, a risk management plan increasingly includes companies'
processes for identifying and controlling threats to its digital assets, including proprietary corporate data, a
customer's personally identifiable information and intellectual property.

Methods of Dealing with Risk

1. Accept The Risk

Accepting the risk means that while you have identified it and logged it in your risk management software,
you take no action. You simply accept that it might happen and decide to deal with it if it does.
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
This is a good strategy to use for very small risks – risks that won’t have much of an impact on your project
if they happen and could be easily dealt with if or when they arise. It could take a lot of time to put together
an alternative
risk management strategy or take action to deal with the risk, so it’s often a better use of your resources to
do nothing for small risks.

2. Avoid The Risk

You can also change your plans completely to avoid the risk. avoid riskThis is a good strategy for when a
risk has a potentially large impact on your project. For example, if January is when your company Finance
team is busy doing the corporate accounts, putting them all through a training course in January to learn a
new process isn’t going to be a great idea. There’s a risk that the accounts wouldn’t get done. It’s more
likely, though, that there’s a big risk to their ability to use the new process, since they will all be too busy in
January to attend the training or to take it in even if they do go along to the workshops. Instead, it would be
better to avoid January for training completely. Change the project plan and schedule the training for
February when the bulk of the accounting work is over.

3. Transfer The Risk

Transference is a risk management strategy that isn’t used very often and tends to be more common in
projects where there are several parties. Essentially, you transfer the impact and management of the risk to
someone else. For example, if you have a third party contracted to write your software code, you could
transfer the risk that there will be errors in the code over to them. They will then be responsible for
managing this risk, perhaps through additional training.
Normally transference arrangements are written up into project contracts. Insurance is another good
example. If you are transporting equipment as part of your project and the van is in an accident, the
insurance company will be liable for providing new equipment to replace any that was damaged. The
project team acknowledges that the accident might happen, but they won’t be responsible for dealing with
sourcing replacement kit, moving it to the right location or paying for it as that is now the responsibility of
the insurance company.

4. Mitigate The Risk

Mitigating against a risk is probably the most commonlymitigation of risk used risk management technique.
It’s also the easiest to understand and the easiest to implement. What mitigation means is that you limit the
impact of a risk, so that if it does occur, the problem it creates is smaller and easier to fix.
For example, if you are launching a new washing machine and the Sales team then have to demonstrate it
to customers, there is a risk that the Sales team don’t understand the product and can’t give good
demonstrations. As a result, they will make fewer sales and there will be less revenue for the company.
A mitigation strategy for this situation would be to provide good training to the Sales team. There could still
be a chance that some team members don’t understand the product, or they miss the training session, or
they just aren’t experts in washing machines and never will be, but the impact of the risk will be far reduced
as the majority of the team will be able to demonstrate the new machine effectively.
You can mitigate against the impact, like in this example, and you can also mitigate against the likelihood of
it happening. Sometimes the actions will be broadly the same; sometimes you’ll have to have some tasks to
reduce the chance that the risk happens and some separate tasks to make the impact of the risk smaller if
it happens.

5. Exploit The Risk

Acceptance, avoidance, transference and mitigation are great to use when the risk has a negative impact
on the project. But what if the risk has a positive impact? For example, the risk that the new washing
machines are so popular that we don’t have enough Sales staff to do the demonstrations? That’s a positive
risk – something that would have a benefit to the project and the company if it happened. In those cases,
we want to maximize the chance that the risk happens, not stop it from happening or transfer the benefit to
someone else!
Exploitation is the risk management strategy to use in these situations. Look for ways to make the risk
happen or for ways to increase the impact if it does. We could train a few junior Sales admin people to also
give washing machine demonstrations and do lots of extra marketing, so that the chance that there is lots
of interest in the new machine is increased, and there are people to do the demos if needed.

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
These are the 5 risk management strategies that you can use to manage risk on your project. You’ll
probably find yourself using a combination of techniques, choosing the strategies that best suit the risks on
your project and the skills of your team. However you decide to approach risk, make sure that you log the
action plan in your risk log and keep it up to date with the latest progress towards managing your risks.

Types of Insurance Coverages :

1. Professional liability insurance.

Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business
against negligence claims due to harm that results from mistakes or failure to perform. There is no one-
size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be
addressed in a customized policy written for a business.

2. Property insurance.

Whether a business owns or leases its space, property insurance is a must. This insurance covers
equipment, signage, inventory and furniture in the event of a fire, storm or theft. However, mass-destruction
events like floods and earthquakes are generally not covered under standard property insurance policies. If
your area is prone to these issues, check with your insurer to price a separate policy.

3. Workers’ compensation insurance.

Once the first employee has been hired, workers’ compensation insurance should be added to a business’s
insurance policy. This will cover medical treatment, disability and death benefits in the event an employee
is injured or dies as a result of his work with that business. Even if employees are performing seemingly
low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a
pricey claim.

4. Home-based businesses.

Many professionals begin their small businesses in their own homes. Unfortunately, homeowner’s policies
don’t cover home-based businesses in the way commercial property insurance does. If you’re operating
your business out of your home, ask your insurer for additional insurance to cover your equipment and
inventory in the event of a problem.

5. Product liability insurance.

If your business manufactures products for sale on the general market, product liability insurance is a must.
Even a business that takes every measure possible to make sure its products are safe can find itself
named in a lawsuit due to damages caused by one of its products. Product liability insurance works to
protect a business in such a case, with coverage available to be tailored specifically to a specific type of
product.

6. Vehicle insurance.

If company vehicles will be used, those vehicles should be fully insured to protect businesses against
liability if an accident should occur. At the very least, businesses should insure against third-party injury, but
comprehensive insurance will cover that vehicle in an accident, as well. If employees are using their own
cars for business, their own personal insurance will cover them in the event of an accident. One major
exception to this is if they are delivering goods or services for a fee. This includes delivery personnel.

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
7. Business interruption insurance.

If a disaster or catastrophic event does occur, a business’s operations will likely be interrupted. During this
time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture
products or make sales calls. This type of insurance is especially applicable to companies that require a
physical location to do business, such as retail stores. Business interruption insurance compensates a
business for its lost income during these events.

By having the right insurance in place, a business can avoid a major financial loss due to a lawsuit or
catastrophic event. Check with your insurer to find out what forms of insurance are advised for your type of
business and put those plans in place as soon as possible.

Life Insurance :

What is Life Insurance

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment
of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises
a death benefit in consideration of the payment of premium by the insured.

There are three major components of a life insurance policy.

1. Death benefit is the amount of money the insurance company guarantees to the beneficiaries
identified in the policy upon the death of the insured. The insured will choose their desired death
benefit amount based on estimated future needs of surviving heirs. The insurance company will
determine whether there is an insurable interest and if the insured qualifies for the coverage based
on the company's underwriting requirements.

2. Premium payments are set using actuarially based statistics. The insurer will determine the cost of
insurance (COI), or the amount required to cover mortality costs, administrative fees, and other
policy maintenance fees. Other factors that influence the premium are the insured’s age, medical
history, occupational hazards, and personal risk propensity. The insurer will remain obligated to
pay the death benefit if premiums are submitted as required. With term policies, the premium
amount includes the cost of insurance (COI). For permanent or universal policies, the premium
amount consists of the COI and a cash value amount.

3. Cash value of permanent or universal life insurance is a component which serves two purposes. It
is a savings account, which can be used by the policyholder, during the life of the insured, with
cash accumulated on a tax-deferred basis. Some policies may have restrictions on withdrawals
depending on the use of the money withdrawn. The second purpose of the cash value is to offset
the rising cost or to provide insurance as the insured ages.

Life insurance provides a solid financial foundation and serves as a versatile tool for businesses of all sizes.
Organizations can use life insurance as a valuable benefit to attract top talent and build loyalty by helping
employees protect their loved ones. Business owners can use life insurance for additional purposes
including protecting their company, family, partners and key employees from an unexpected death.

Business Uses of Life Insurances :

Additional Protection for Key Executives

Executives typically have higher incomes and often need larger death benefit protection than what is
offered by typical employer-sponsored group benefit programs. By offering your key employees additional

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
life insurance benefits, you can make available an increased level of protection that better suits their needs.
In doing so, your organization can set itself apart when it comes to recruiting and retaining top talent.

Access to Cash Value

A business owner who owns a whole life insurance policy can borrow against the accumulated cash
value for a variety of purposes, including to help the business weather uncertain economic times,
pay overhead expenses, or provide supplemental cash flow

Provide Executive Bonus

A company can help key executives purchase additional life insurance through an executive bonus plan.
The executive owns the life insurance policy and pays the premiums, and the company "bonuses" the
executive an amount equal to the premium and tax liabilities. The executive can use the policy’s cash value
to supplement their retirement funds or for other purposes. If they were to die during employment, the
policy’s death benefits would be paid to the insured’s family typically income tax-free.

Succession Planning

A life insurance policy is often the cornerstone of a business’s succession plan. When a business uses life
insurance as the funding vehicle of a buy-sell agreement, the death benefits are used to purchase a
deceased partner’s share of the business from their estate. This can help reduce conflict between all
parties involved and allow the business to keep running smoothly. When used to fund a one-way buy-sell
agreement, the chosen successor can also use the policy’s accumulated cash value as a source of funding
for purchase of the company at owner's retirement.

Estate Equalization

In many family-owned businesses, some family members are actively involved in the company, while
others are not. Splitting a business equally among family members regardless of their involvement can put
family members at odds potentially causing conflicts that interrupt the flow of business. In this scenario, you
can use a life insurance policy as part of your estate plan to provide a death benefit to those family
members who are not involved in the company. The death benefit can be equal to the value of the business
you leave to the family members who are involved and who will likely take over company ownership.

Key Employee Retention

You can use a life insurance policy to help fund a deferred compensation program to provide additional
retirement benefits to a key employee. In this arrangement, the company owns the policy on the executive
and, when the employee retires, the company uses the policy’s cash value to provide supplemental
retirement income to the employee1. If the executive dies prior to retirement, the proceeds would be paid to
the company. The company can then use the money to re-coup premiums paid and provide a death benefit
to the executive’s family.

Key Person Insurance

Many companies would falter with the death of a key employee. Lost revenue is only just one adverse
effect that may impact the business. You can use life insurance to protect the company against the risk of a
key employee’s unexpected death. The policy can be structured to provide the company with a death
benefit equal to expected revenue loss and administration costs needed to find a suitable replacement.

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
Non-life Insurance:

Non-life insurance is a broad category, including on both people and things. Insurance companies and
company-owned agencies typically specialize in one or the other, though individual brokers and brokerages
have the option of dealing in multiple types of coverage. For example, a large brokerage might contain
people specializing in life and disability, group and health plans, auto and homeowner's insurance, or
liability coverage for professionals. Smaller brokerages are more likely to specialize in one or two lines of
business. If your own broker doesn't sell everything you need, you can probably score a referral to another
broker who's got what you want.

1. Coverage on You

Death isn't necessarily the worst thing that could happen to your household. Imagine the effects of a
chronic, debilitating illness or a crippling accident. Not only is your income lost, but you become a financial
liability. Health coverage, disability insurance, critical-illness insurance and many other products provide
protection against these risks. Group plans, through an employer or other organization, can often provide a
comprehensive package of these coverages at less than the cost of buying them separately. If you're in a
professional partnership, "key-person" disability coverage can protect you and your partners if one
becomes unable to work.

2. Home and Auto

Of course, coverage that protects you personally is only part of the picture. Car insurance is mandatory
almost everywhere, and you need coverage on your home as well. Car policies run a wide range. If you
drive an old "beater," a simple liability policy -- to protect other drivers -- is the legal minimum. Policies for
more valuable cars cover damage from collisions, while comprehensive insurance adds theft coverage and
damage from other causes. Homeowner's coverage will pay to rebuild or repair a home after major
damage, though the aftermath of a standout party might not qualify. Specific hazards such as flooding and
natural disasters might require separate coverage.

3. Everything Else

Those major categories of coverage are just the tip of the iceberg. There are lots of specialized types of
non-life coverage. Professional liability is a thriving field, with malpractice insurance for doctors and errors
and omissions coverage or "E&O" for lawyers and insurance agents themselves. Specialized policies cover
risks such as tornadoes, hurricanes and earthquakes in affected areas. You can purchase policies on a
boat or RV, or your world-class collection of Depression glass. Some companies even offer insurance
against identity theft. Chances are, you can find a policy to cover almost any risk you might face.

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
 Schematic Presentation

Managing Small Business Risk

Risk and the Small Risk Confronting Methods of Types of Insurance

Businesses Small Business Dealing with Risk Coverages

Identify Risk Business Interruption Accept the RIsk Professional

liabilty insurance

Determine your Supply Interruptions Avoid the Risk

company’s vulnerability Property
for each risk Insurance
No legal Adviser Transfer the Risk

Prepare contigency Worker’s

Liability for Injuries Mitigate The Risk Compensation
plans
and Damagae Insuramce

Aquire the right type Exploit the

Loss of a Key Employee Risk Home-based
of insurance business

Wrongful
Monitor and adapt as Employment Practices Product
needed liability
insurance
Workers
Compensation Claims
Vehicle
insurance
Damage, Loss, Theft of
Property, Equipment
Data Business
interruption
insurance
Environmental &
Pollution Liabiltity
Losses

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
 ASSIGNMENT OUTPUT RESULT

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SUMMARY
No. of Test Items : Highest Score Obtained :
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Prepared by: Checked & Rated by:

ESPUERZA, MA. DENROSE T. IMELDA D. ABENIO

Name & Signature of Student Instructor

Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED
Completed Output in INTRO-TECH 163 Entrepreneurship, Managing Small Business Risk By VILLONES,
JEYHAN VER., BTVTED 1B, 1st Sem. SY 2018-2019, EVSU COED