KASAPI LENDING CASE STUDY

PRESIDENT/CEO/FOUNDER: MR. CARLITO A. FERNANDO

FOUR INSTITUTIONS OF KASAPI

1. Lending
2. Microfinance
3. Enterprises
4. Marketing
5. Ecijanos

*Note: Each of these Institutions has different Profiles.

Details below are focusing on Lending Corporation.

Lending Company Profile

KASAPI was organized on January 3, 2007 by the current President and CEO at Talavera,
Nueva Ecija making up to his dream to be of service to the community.

Back from January 3, 2007, an office was set up at his home at Fernando’s Residence in
Barangay Esguerra, Talavera, Nueva Ecija with only three (3) employees. They have creates
Pangkabuhayan Group Loan Program which caters for group clients and Pangkabuhayan
Individual Loan Program which provides products and services for Individual borrowers. They
started their first set of release for eight (8) clients who were also their neighbor at the same
barangay, with Five Thousand Pesos (Php5,000.00) loan approved amount each client.

From their first release, they started to market their neighboring barangays by gathering some
potential micro entrepreneurs and introduce the loan program which they can take advantage of.
It was an abrupt success in 2008 so they moved to a new office location at the central business
district area of Talavera, Nueva Ecija at Marcos District, having only seven (7) employees. On
the same year, November 19, they have registered the business under the business name
KASAPI-Kaagapay sa Pangkabuhayan Lending Inc., a private institution which operates for
group and individual lending.

On August 11, 2009, Mr. Fernando decided to create another entity which would focus on
providing goods and services for group lending. He registered it as a non-stock/Non-profit
institution which would participate on the poverty alleviation of the country under the name
KASAPI Microfinance & Rural Development, Inc. (KMRDI)

KASAPI diversified its products and services to its valued clients. KASAPI Lending Inc has
introduced to market the Agricultural Loan and the Salary Loan as another loan window, which
clients can avail. Since bulk of the loan releases are Agricultural Loan and MALP, and some
KASAPI Agri-clients are fronted by such problems as drying facilities and their products are
being purchased by some traders and agents at a low price. KASAPI enterprises were established
to focus on delivering services related to agricultural products specifically for palay production.
This is the answer of the KASAPI to protect their clients among derisive traders and agents who
are taking advantage of our small farmers for their personal gain. KASAPI Enterprises then put a
drying facility which offers services that are for minimal cost only and accepts loan payment for
MALP and Agricultural Loan in kind if clients’ products are not sold on time to meet its maturity
ate at a higher rate on the prevailing palay market rate.

The Institution has partnered with other companies paving its way to be recognized by most of
the micro entrepreneurs in the areas of Nueva Ecija, Bulacan, Pampanga, Tarlac, Pangasinan, La
Union and Isabela, Cagayan, Nueva Vizcaya and NCR. Hence, KASAPI is continuously moving
forward to outreach the uncatered areas and actively participate into a sustainable livelihood.

Mission

To our valued Clients, we are united to our commitment of maintaining customer satisfaction by
providing high quality facility through fast and efficient account processing and personalized
client relations services.

To our Employees, we ensure professional growth and spiritual development in a family like
working environment by providing challenging opportunities and skills enhancement through
continuous training and development programs.

Vision

KASAPI LENDING envisions in becoming one of the most dominant lending institutions
providing proficiently effective and competitive credit facility in Luzon guided by our core
values of God-Centeredness, Excellence, Integrity and Teamwork.

Management Team

CARLITO A. FERNANDO
President/CEO

CONRADA SUSANA B. SISON

Senior Vice President for Operations

JAMIL DC. YAP

Acting SVPO for NCR
NOEMIE F. IMBANG
VPO for Region I
WINNIE M. DE GUZMAN
VP for Legal
 NORMAN J. STA. MARIA
AVPO for NCR
CARLO G. MADAMBA
AVPO for Region II
ORLANDO M. ADVENTO
AVPO for Region V
JOAN DG. PAGALING
AVP for Training & Transformation
MICHELLE T. DELA CRUZ
AVP for Finance
FELIX A. COJEN, JR.
OIC, Information Technology
MONALIZA M. PADRE
Admin Manager
MARITESS D. CORPUZ
Senior Vice President for Finance, Accounting, and Audit
ARMANDO V. ANGELES III
VPO for NCR
TEODORICO R. GAMIT, JR.
VPO for Region III
ROXANNE V. SABANGAN
VP for HRMD
CEASAR J. GANGGO
AVPO for Region I
CHARLAN N. AMANSEC
AVPO for Region III
EDSEL E. ARENAS
AVP for Maintenance and Security
ROSE R. BOLISAY
AVP for Accounting
RODOLFO H. FLORES, JR.
AVP for Audit and Compliance
EDRIAN F. NICOLAS
Research and Development Manager
MA. RICA ANDREA E. BERMUDEZ
Insurance Manager
Products and Services

SMALL BUSINESS LOAN

This loan is offered to small entrepreneurs’ use for additional working business capital with a
minimum loanable amount of ten thousand pesos based on cash flow, capacity to pay and
business use and collateral requirements.
AGRICULTURAL LOAN

Loans extended for farmers used for additional agricultural fund to finance its agricultural
activities. They must have a minimum amount of ten thousand pesos.

SALARY LOAN

Loan extended for those regular and permanent employees of any private or public institutions
such as schools, government offices, local hospitals, private offices, etc.

RICE CONSUMPTION LOAN (RCL)

A loan given to clients that aims to help them meet one of their fundamental needs. It is
synchronized with their principal loan. This new program is in line with KASAPI Enterprises’
vision of becoming one of the well-known producers of quality rice in Nueva Ecija.

Partner Institutions

o LandBank
o UCPB
o AGFP
o Pioneer
o Federal Phoenix
o BDO
o RCBC

Branches and Area Coverage (Contact Status)

CENTRAL OFFICE

KASAPI Corporate Center, Marcos Dist., Talavera, Nueva Ecija

Tel No: (044) 958-1317

HEAD OFFICES

NCR Head Office

61 Kamuning Road, Kamuning, Quezon City
Tel. No: N/A

Santiago Head Office

VMG Building, Maharlika Highway, Santiago City, Isabela
Tel. No: (078) 682-01-62 (NOT ANSWERING)

Agoo Head Office

Torio Bldg. Sta. Barbara, Agoo, La Union
Tel. No: (072) 682-0183 (INCORRECT NUMBER)
Naga Head Office
Roxas Ave., (Diversion Road) Barangay Triangulo, Naga City
Tel. No: (054) 884-9679 (NOT YET IN SERVICE)

AREA COVERAGE

TALAVERA BRANCH
Marcos Dist., Talavera, Nueva Ecija
Tel No: (044) 958-1317 (INCORRECT NUMBER)

GUIMBA BRANCH
2F P. de Guzman Bldg. Bagain Street Sto. Cristo, Guimba, Nueva Ecija
Tel No: (044) 958-3911 (INCORRECT NUMBER)

ZARAGOZA BRANCH
504, FYJ Bldg., San Isidro, Zaragoza, Nueva Ecija
Tel. No: (044) 958-4874 (WRONG NUMBER)

BONGABON BRANCH
ICR Bldg., Brgy. Sinipit, Bongabon, Nueva Ecija
Tel. No: (044) 958-6983 (NOT ANSWERING)

TARLAC BRANCH
2nd Floor Benry Bldg, Brgy. San Nicolas, Tarlac City, Tarlac
Tel. No: (045) 491-0018 (INCORRECT NUMBER)

CAMILING BRANCH
Bonifacio St., Lopvel Bldg, Poblacion H, Camiling, Tarlac
Tel. No: (045) 491-8193 (INCORRECT NUMBER)

ARAYAT BRANCH
Brgy. Cacutod, Arayat Pampanga
Tel. No: N/A

BALANGA BRANCH
A. Banzon, St. Ibayo, Balanga City, Bataan
Tel. No.: N/A

SAN JOSE BRANCH

Sta. Romana Subdivision, Abar 1st, San Jose City, Nueva Ecija
Tel. No: N/A

GAPAN BRANCH
Bayanihan, Gapan City, Nueva Ecija,
Tel. No: (044) 958-6991 (NOT ANSWERING)
RIZAL BRANCH
Aglipay St., Poblacion Sur, Rizal, Nueva Ecija
Tel No: (044) 958-6989 (WRONG NUMBER)

CABANATUAN BRANCH
Gatan Bldg. Burgos Ave., Cabanatuan City, Nueva Ecija
Tel. No: (044) 958-6976 (INCORRECT NUMBER)

PANIQUI BRANCH
2nd Floor Alfonso Bldg. M.H. Del Pilar St., Poblacion Sur, Paniqui, Tarlac
Tel. No: (045) 491-8192 (INCORRECT NUMBER)

SAN FERNANDO BRANCH

San Agustin, San Fernando City, Pampanga
Tel. No: (045) 455-1036 (INCORRECT NUMBER)

DAU BRANCH
Mila Beth Peen Bldg. 224 Mc Arthur Highway Dau, Mabalacat City, Pampanga
Tel. No: (045) 405-0436 (NOT YET IN SERVICE)

LUBAO BRANCH
Sta. Cruz, Lubao, Pampanga
Tel. No.: N/A

NCR HEAD OFFICE

61 Kamuning Road, Kamuning, Quezon City

Tel. No: N/A

AREA COVERAGE

SAN ILDEFONSO BRANCH

3rd Floor SICL Building Poblacion, San Ildefonso, Bulacan
Tel. No: (044) 797-0601 (INCORRECT NUMBER)

GUIGUINTO BRANCH
North Centrum Bldg. Sta Cruz Guiguinto, Bulacan
Tel. No: (044) 794-9562 (WRONG NUMBER)

CALOOCAN BRANCH
Brgy. 96, 115S Asistio St., Corner Biglang-awa, Caloocan City
Tel. No: N/A
PASIG BRANCH
2nd Flr. 198 Ortigas Avenue Extension, Brgy. Sta Lucia, Pasig City
Tel. No: N/A
Email: kkpli.pasig@gmail.com

TAYTAY BRANCH
Royal V Bldg. Rizal Ave. Brgy San Juan, Taytay Rizal (Beside INC)
Tel. No: N/A

STA.MARIA BRANCH
2nd Floor, MAP Bldg., 1000 Mulawin St, Sta. Clara, Sta. Maria, Bulacan
Tel. No: N/A

BALIUAG BRANCH
PVR Bldg., B.S. Aquino Ave., Bagong Nayon, Baliuag, Bulacan
Tel. No: N/A

KAMUNING BRANCH
61 Kamuning Road, Kamuning, Quezon City
Tel. No: N/A

STA. CRUZ BRANCH

1723 Bambang St., Cor., Sulu St., Sta. Cruz, Manila
Tel. No: N/A

PATEROS BRANCH
2nd flr. Benmar Bldg. 540 M. Almeda St. Brgy. San Roque Pateros M. Manila
Tel. No: (02) 398-7151
Contact Person: Ms. Hazel Badua
Contact number: 09434519805

ANTIPOLO BRANCH
Olivares St., Brgy. San Roque, Antipolo City
Tel. No: N/A

NAGA HEAD OFFICE

Roxas Ave., (Diversion Road) Barangay Triangulo, Naga City
(054) 884-9679 (NOT YET IN SERVICE)

NAGA BRANCH
Roxas Ave., (Diversion Road) Barangay Triangulo, Naga City
Tel. No: (054) 884-9679 (NOT YET IN SERVICE)

GOA BRANCH
RDP Building, Rizal Street, Bagumbayan Grande, Goa, Camarines Sur
Tel. No.: N/A
IRIGA BRANCH
92 Brgy. San Roque, Iriga City, Camarines Sur
Tel. No: N/A

LIBMANAN BRANCH
265, Zone 5, Judge Zurbano Street, and Aureas Street, Poblacion, Libmanan, Camarines Sur
Tel. No.: N/A

AGOO HEAD OFFICE

Torio Bldg. Sta. Barbara, Agoo, La Union
Tel. No. (072) 682-0183 (NOT YET IN SERVICE)

AGOO BRANCH
Torio Bldg. Sta. Barbara, Agoo, La Union
Tel. No. (072) 682-0183 (NOT YET IN SERVICE)

DAGUPAN BRANCH
M.H. Del Pilar St., 2nd Floor, Del Pilar Bldg., Bgry. Herrero, Dagupan City
Tel. No: (075) 529-1148 (NOT YET IN SERVICE)

ALAMINOS BRANCH
Monfer Bldg. Quezon Avenue, Poblacion, Alaminos City, Pangasinan
Tel. No: N/A

TAYUG BRANCH
227 A. Quezon BLVD, Tayug, Pangasinan
Tel. No: (075) 529-1148 (NOT YET IN SERVICE)

URDANETA BRANCH
S & P Building Brgy. Nancayasan, Urdaneta City, Pangasinan
Tel. No: (075) 632-5997 (WRONG NUMBER)

SAN FERNANDO BRANCH

2nd Floor Kenny Plaza Bldg. Quezon Avenue, Catbangen, San Fernando City, La Union
Tel. No: (072) 607-0188 (NOT ANSWERING)

SAN CARLOS BRANCH

Eleonor Soriano Bldg., 31 Mabini st., San Carlos City, Pangasinan
Tel. No: N/A

BINALONAN BRANCH
Mendoza St., Poblacion, Binalonan, Pangasinan
Tel. No: N/A
SANTIAGO HEAD OFFICE
VMG Building, Maharlika Highway, Santiago City, Isabela
Tel. No: (078) 682-01-62 (NOT ANSWERING)

SANTIAGO BRANCH
VMG Building, Maharlika Highway, Santiago City, Isabela
Tel. No: (078) 682-0162 (NOT ANSWERING)

SOLANO BRANCH
Jp Rizal Avenue Brgy. Roxas, Solano, Nueva Vizcaya
Tel. No: (078) 392-0815 (BUSY LINE)

TUGUEGARAO – II BRANCH
554 National Highway, Buntun,Tuguegarao City
Tel. No: N/A

ILAGAN BRANCH
2nd Floor, A.S. Bldg, Maharlika Highway, Calamagui 2nd, Ilagan, Isabela
Tel. No: (078) 323-1068 (INCORRECT NUMBER)

SAN MATEO BRANCH

ELC Commercial Bldg., San Mateo, Isabela
Tel. No: N/A

ROXAS BRANCH
2nd Floor, Magno Bldg., Brgy. Roxas, Isabela
Tel. No: N/A

ABULUG BRANCH
Java Commercial Center National Highway, Brgy. Libertad, Abulog, Cagayan
Tel. No: N/A

BAMBANG BRANCH
Bambang, Nueva Vizcaya
Tel. No: N/A

KASAPI Short Goals:

 Incorporation of Ecijanos Travel and Events Corporation with KASAPI, a travel agency
and corporate events organizer and provider that has already positioned itself among the
leading travel agencies in the region during its more than 3 years of operation.
  Kaagapay Sa Pagsasaka, Inc. (KASAPI Enterprises) developments: New warehouse, rice
mill facility and one-storey office building in a 3.9 hectare land in San Pascual, Talavera,
Nueva Ecija
 Installation and operation of one unit of rice mill with 4-5 tons per hour estimated
capacity

KASAPI Marketing Corporation achievements

 Acquisition and successful operations of a franchise clinic of Montage Skin Science and
Aesthetics: located at Talavera, Nueva Ecija
 Operational expansion of KASAPI Lending and KASAPI Microfinance to a total of 107
branches, 55 and 52 respectively.
 Partnership with the Philippine Crop Insurance Commission (PCIC)
 Distributorship opportunity with Universal Harvester, Inc. thru partnership with the
Ilocos Fertilizers and Agro-chemicals (IFA) and the Federation of Patriotic Farmers’
Cooperative of Nueva Ecija.

KASAPI Future Plans

 Broadening the insurance provision for clients and employees through partnership with
such renowned institutions as Pioneer and PhilAm Life
 Endeavoring on exporting rice products (KASAPI Enterprises)
 Venturing on the food business: institutionalizing KASAPI Foods Corporation

Branches can only serve within its areas. Only few areas nearby are connected with one
coverage area.

PASIG AREA: Serve only within the area of Pasig

Address: 2nd Flr. 198 Ortigas Avenue Extension, Brgy. Sta. Lucia, Pasig City

PATEROS AREA: Serves Makati towards North

PROCESS: THREE (3) DAYS PROCESS

1. They will be sending representative to be able to ask the client to answer their application
form.
2. CI for the business
3. Passing of Requirements for the loan

AGE LIMIT: 18 years old – 62 years old

BASIC REQUIREMENTS
 Barangay Clearance
 Community Tax Certificate (CEDULA)
 Proof of billing
 Two (2) Latest 1×1 pictures
 Photocopy of two (2) valid ID

MODE OF COLLECTION
 Door – to – Door
 Office Address
 Payment will be every after 3 days

INTEREST RATE
 4.5%