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Applied Economics

Grade 12 – St. Bernardine (Group 4)

Cast:

Loan Manager : Aviline Reyes


Loan Applicant 1 (Loading Station) : John Leomarc Retome
Loan Applicant 2 (Party Organizer) : Joshua James Reyes
Loan Applicant 3 (Bicycle Rental Service) : Ma. Concepcion Cezar
Loan Applicant 4 (Food Cart Business) : Maica Ignacio

Scene 1:

Loan applicant 1, Mr. Retome, will apply for a loan for his loading station business.
Scene 2:
Loan applicant 2, Mr. Reyes, will apply for a loan because he wanted to be a party
organizer, hire people, and manage it.

Joshua : Good morning Ms. Manager!


Avi : Good morning. Why are you here for?
Joshua : Your signage says that you are willing to accept loan applicants so I am here to
apply for a loan. Here is my application form.
Avi : Why do you wish to apply for a loan?
Joshua : I want to be party organizer, can you just lend me 30,000 pesos?
Avi : Have you ever experience doing business before or at least working in the same
industry?
Joshua : Yes Ma’am!
Avi : What kind of business?
Joshua : I experience working in a catering service, being a host of an event and such.
Avi : So you came here without any business plan and only with your “skills”
Joshua : Yes, because I am confident that I can run the business.
Avi : Why did you choose our company to borrow money?
Joshua : This is actually my first time to borrow money from a lending company like yours
Avi : Okay, but what if your business fails? How will you cover the loans?
Joshua : I actually don’t have anything to set as collateral except for my motorcycle. All
I need is to make sure that the business is doing fine.
Avi : We are very sorry to say this sir, but you did not pass the interview.
Scene 3:
Loan applicant 3, Ms. Cezar, will apply for a loan because she wanted to start a business,
a bicycle rental.
Avi : Good morning! How may I help you?
Con : I would like to apply for a loan
Avi : What kind of loan are you looking for?
Con : I want to get a loan to start my bicycle rental business
Avi : And how much do you wish to borrow?
Con : I was hoping that I could get at least 20,000 pesos
Avi : First, we need to check if your credit is good enough for a loan
Con : You can see on my credit report that I have always pay on time. I know how
important it is to pay debts on time
Avi : I just have a few questions for the application, what is your gross monthly
income?
Con : I earn about 5,000 pesos so I suppose my average monthly income would be
about 22,000 pesos
Avi : Do you have an account here?
Con : Yes, I have a savings account and some fixed deposit in your bank
Avi : What if your business fails? What other assets do you have?
Con : I have 2 hectares of agricultural land
Avi : Hand over your documents and we will call you after reviewing them.
Scene 4:
Loan applicant 4, Ms. Ignacio, will apply for a loan to use for her food cart.

Maica : Good morning Ma’am!


Avi : Good morning. Why are you here for?
Maica : I would like to borrow money for my business
Avi : How much do you intend to borrow?
Maica : 10,000 pesos for my food cart business
Avi : Can you tell me more about your background?
Maica : I am Maica Ignacio, 25 years old. I want to put up this food cart business to
support my daughter because I’m a single parent.
Avi : Have you ever experience doing business before?
Maica : Yes Ma’am!
Avi : What kind of business?
Maica : Last summer I try selling street foods in front of our house and the results was
great! I earn profit while I take care of my child. Our house is near the school so it
became popular among students
Avi : How much do you earn for a day?
Maica : I earn about 700 pesos for a day. I want to borrow money to have a bigger capital
so I can rent a food cart and provide variety of street foods. I already have 5,000
pesos for my savings
Avi : Why did you choose our company to borrow money?
Maica : I was a former client of JJ’s Lending Inc. but their company went bankrupt. But I
was able to pay all my debts to them. I have a good credit history, I assure you!
Avi : Can you discuss some of the content of your business plan?
Maica : * presents her business plan *
Avi : Okay, but what if your business fails? How will you cover the loans?
Maica : I have my own house and I own the land, I will use this as the collateral to pay the
loan which I think will not happen.
Avi : Are you willing to pay the loan monthly with 5% interest to be amortized in a
year?
Maica : Yes Ma’am
Avi : Hand over your documents and we will call you after reviewing them.