CARD BUSINESS DEVELOPMENT

SERVICE FOUNDATION INC.

(CARD BDSFI)
National Conference on Business Development
Services
May 21 - 22, 2009
PHINMA Training Center, Tagaytay City
• CARD BDSFI is the fifth (5th) institution under the
CARD MRI Group
• Year 2001 CARD’s micro-entrepreneur clients
expressed a need for marketing assistance
• Pilot-testing a small marketing assistance, a display
center for clients products in CARD Head Office was in
placed.
• Next demand raised was additional technical, financial
and management skills in running their enterprises,
coordinated with DTI, TESDA to conduct series of
Livelihood Training Program (LTP)
• Year 2005, CARD Inc. conducted an extensive study of
its clients (demand research) with support/funds from
CORDAID
 CUSTOMIZED BUSINESS SERVICE – BUSINESS ADVISORY
We lack capital to Expand my business but even I
get a big one I cant pay weekly! The cost of feeds
are high! Sometimes I’m wondering how much
our business is earning?
A SAMPLE CASE
Tailor
TailorFit
FitLoan
Loan

Link
Linktotoaabetter
better
Supplier
Suppliergiving
givingbest
best
price
price

Practical
PracticalBusiness
Business
Advisory (goal
Advisory (goal
setting,
setting,improvised
improvised
FS,
FS,book
bookkeeping)
keeping)
BDS OFFERED : CUSTOMIZED BUSINESS SERVICE – BUSINESS ADVISORY

A SAMPLE CASE
Tailor
TailorFit
FitLoan
Loan
I want to be an
Exporter one day
Basic
BasicComputer
Computer
like my Boss!!
Literacy
Literacy(internet
(internet
Actually I’m
browsing
browsingand
and
making some
email)
email)
initiatives like….
Business
Business
Management
Management
Training
TrainingPractical
Practical
Business
BusinessAdvisory
Advisory
(goal
(goalsetting,
setting,
improvised
improvisedFS,FS,
book
bookkeeping)
keeping)
HAPINOY PROGRAM

I used to be Sari Sari Store

-Small Retailer before! Thanks
to CARD BDS and MVI for
giving me Financial, marketing,
network, management training
Assistance which had enable me
to increase my Sales by____

BDS/MVI
BDS/MVIINTERVENTION
INTERVENTION

--Linkages
LinkagestotoManufacturers
Manufacturerslike
like
ULP,
ULP,Colgate
ColgatePalmolive,
Palmolive,SMART
SMART
-Channel
-Channelfor
forProduct
ProductPromotions
Promotions
-Media
-MediaCoverage
Coverage(Advertisement)
(Advertisement)
-Leadership,
-Leadership,Sales
SalesMotivational
MotivationalTrainings
Trainings
--Retail
RetailManagement
Managementtraining
training((inventory
inventory
management,
management,bookbookkeeping,
keeping,POS)
POS)
HAPINOY PROGRAM – A PROGRAM FOR SARI SARI STORE
Community Store
 MARKETING PROGRAM
A Trading and Marketing facility for CARD members products

MINI MART AND DISPLAY CENTER

Trade Fairs / Consignments
Marketing Program
 MICRO AGRICULTURE – INPUT SUPPLIES AND MARKETING

CARD
PARTNER/
SUPPLIERS BDS

Agricultural Supplies
Vet/Tech Services
Seminars on Technology
 Livestock at San Ildefonso, Alaminos

Rice Trading for Lead Stores / Hapinoy

Clients
Vegetables at San Gregorio (Maricel
Mendoza and Marissa Zara)
BDS OFFERED: A LOAN PRODUCT DEVELOPED FOR CARD
FINANCIAL INSTITUTIONS:

HOUSING MICROFINANCE

HOUSING DEVELOPMENT – Converting Agricultural into Residential Properties to provide

Socialized/Economic Housing Needs.

HOUSING MICROFINANCING – provision Housing and Productive Asset Financial

Assistance (ie. purchasing farmland, market Stall, machineries, trucking/vehicles improving
business facilities)
A LOAN PRODUCT DEVELOPED FOR CARD
FINANCIAL INSTITUTIONS:

SOLAR HOME SYSTEM LOAN

A partnership between CARD BDS and Shell SOLAR

Pilipinas

A project that aims to provide alternative access to

electricity for House-Hold/Barangays that do not have
access to electricity
PRINTING PRESS – A service Offered to the CARD MRI with the Objective of Bringing
Cost Efficiency and Effectiveness.
Sources of Funds and Some Ratio Based on
December 2008 Audited Financial
Statement
• Funds from Grant/Loan (CARD,
CODESPA, CORDAID) – 60%
• Funds from Operating Activities – 40%
• Operational Self Sufficiency – 130%
• Debt to Equity – 1.5%
• ROE (Grants not Included) – 13%
 Advice to MFI’s
• Be clear on the objectives of why should the Institution
provide BDS
• Choose one BDS specialization at a time
• Assign dedicated staff for the program chosen
• Continuous Capacity Building Program (personnel)
• Look for the option of partnership instead of developing
internal capacity
• Have the “Management” committed to this endeavor
• As a social entrepreneur, always consider clients
perspective, look on the market, environment and
engage this in helping the poor.
 Conclusions
• Poverty Reduction Perspective, BDS is the
fulfillment of Micro Finance Institutions/Social
Development Foundation to liberate the poor
from poverty.
• Economic Development Prospective, micro
entrepreneurs are at the bottom of the value
chain. Our competitiveness as a country can be
greatly enhanced if micro-enterprises become
more productive and efficient because they
supply the raw materials and basic components
of some of the most critical industries in the
country