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Team ICSS

Zhong Yao Sia, Jared Chuah, Pardeep Kumar, Digveejay Balasubramaniam

Executive summary

This report provides an analysis and evaluation on one of the two regions in Philippines where
Jaime V. Ongpin Foundation, INC are likely to expand their operations. The analysis was based
on the primary research conducted by the consulting team for JVOFI and the data they had
obtained. The revenue was calculated based on population growth rate taking into
consideration the current market share and growth rate.

The Situational analysis that were identified with respect to the problems that JVOFI faced
was namely, Indirect Finance, long wait times, defaulting loans, lack of infrastructure, lack of
knowledge and market saturation. The suggested recommendations for the expansion
program of JVOFI in the region of La Union were based on the problems that were identified
above and also from the primary research data that was gathered by the consultants.

The reasons for recommending La Union as a region for expansion for JVOFI were, greater
social impact, greater business prospects, high demand for microfinance, large rural
population and established institutions. Operation efficiency is extremely important for a
business if they wish to keep costs low and create an efficient manner in which business is
conducted. JVOFI could improve their operation efficiency by setting interest rates low for
small business with a low default rate. One-day loan process to fast track loans to assist
immediate funding, this would also require the staff to be trained to handle and process loans
quickly. Offering different loan products to cater to a wider business region to get a greater
share of the market. The possible risk that are associated with expanding in the new market
have also been stated, such as product risk, price risk and receivables risk.

The report also covers the expansion timeline that includes the 5E’s that is Establishment,
Expansion, Evaluation, Engagement and Exploration. This process will be over 5 years and will
help JVOFI gain a greater market share and understand the market/competitors better.

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