Oks Na Talaga Lods

NAVOTAS POLYTECHNIC COLLEGE
Bangus St., Barangay NBBS, Navotas City
"A FEASIBILITY STUDY OF LENDING SERVICES IN FISH VENDORS in
MALABON and NAVOTAS Area"
A Feasibility Study
Presented to the Faculty of Navotas Polytechnic College
Bangus St. Phase 1, Brgy. NBBS-Kaunlaran, Navotas City
In Partial Fulfillment
Of the Requirements for the
Degree of Bachelor Science in Business Administration
Major in Financial Management
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By:
Cambaya, Mark Dave G.
Dumpang, Angie C.
Gutlay, Marlon A.
Laurente, Mark Lawrence R.
Lorenzo, Mikaela Joyce A.
Panganiban, Angela Marie M.
Rodriguez, Angela Luz M.
Santos, Erin Dominic A.
Tulayba, Arlene S.
DATE: FEB 2023
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Certification for English Proficiency and

Editing with Plagiarism Content Level
We hereby certified that, the feasibility study entitled: “A Feasibility

study of Lending Servicesin Fish Vendors in Malabon and Navotas Area”
have been edited and found it free from material and technical error, therefore
accepted for grammar, composition and plagiarism content level.
See attached Originality Report generated from a well-known plagiarism

checker.
Certified Correct:
Name
Course
Major in
External English and Plagiarism Editor
Copy Furnish:
College of Business and Administration

Office of the Academic Affairs Coordinator
Office for Research and Extension
College Library
Navotas Polytechnic College
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Certification for Consulting and Revising the Financial Aspect of Lending
Services
We hereby certify that, the feasibility studies entitled: “A Feasibility
study of Lending Servicesin Fish Vendors in Malabon and Navotas Area”
has been consulted and revised it free form its original computation.
Certified Correct:
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APPROVAL SHEET
The feasibility study entitled Indicate your title here(A Feasibility study
of Lending Servicesin Fish Vendors in Malabon and Navotas Area)
prepared and submitted by Lending Services, in partial fulfillment of the
requirements for the subject of Feasibility Study under Bachelor of Science in
Business Administration, Major in Marketing Management, has been examined
and is recommended for acceptance for ORAL EXAMINATION.
Prof. Mendoza, St
Adviser
Approved in partial fulfillment of the requirements for the subject of Feasibility
Study under Bachelor of Science in Business Administration, Major in Marketing
Management by the Evaluation Committee with the rating of ___________.
Accepted the approval as partial fulfillment of the requirements for the subject of
Feasibility Study under Bachelor if Science in Business Administration major in
Marketing Management on February__, 2022.
(Name)
Academic Affairs Coordinator
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Table of Contents
Title page…………………………………………………………i & ii
Certification Grammarian……………………………………………………………iii
Approval Sheet…………………………………………………………………… iv
Preface……………………………………………………………………………. v
Acknowledgment……………………………………………………………… vi
Table of Contents……………………………………………………………….... vii
List of Tables……………………………………………………………………… xiii
List of Figures……………………………………………………………………... xiv
Executive Summary…………………………………………………………….. xv
Highlights of the Study Project Summary:
Introduction…………………………………………………………………….. xv
Summary related to Management Aspect………………………………….. xvi
Summary related to Marketing Aspect……………………………………… xvii
Summary related to Financial Aspect………………………………………. xviii
Summary related to Technical Aspect……………………………………… xviii
Summary related to Socio-Economic, & Legal Aspect…………………… xix
Conclusions & Recommendation…………………………………………… xx
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Table of Contents
CHAPTER I
Introduction………………………………………………………….. 1
Philosophy …………………………………………………………. 2
Vision ……………………………………………………………….. 2
Mission ……………………………………………………………… 3
Objective …………………………………………………………… 3
Goals ……………………………………………………………… 3
History of the Project ……………………………………………… 4-5
Proponents …………………………………………………………. 5
Business / Trade Name …………………………………………… 5
Type of Business Ownership …………………………………….. 5-6
Business Locations ……………………………………………….. 6
Target Market ……………………………………………………… 7
CHAPTER II: Organization and Management Aspect
Type of Business Organization …………………………………… ?
Organizational Structure …………………………………………... 8
Job Analysis (Description and Specification) …………………… 9 -15
HR Planning ………………………………………………………… 16
Recruitment …………………………………………………………16 - 17
Selection ……………………………………………………………. 18 - 20
Training and Development ……………………………………….. 20
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Activity ………………………………………………………………….. 20
Objectives ……………………………………………………………… 21
Participants …………………………………………………………… 22
Budget …………………………………………………………………. 23
Time Frame …………………………………………………………… 23
Expected Output ……………………………………………………… 23
Performance Appraisal …………………………………………. 24 - 25
Pay and Benefits …………………………………………………….. 25
Labor Relations ……………………………………………………… 28-31
Activity
Objectives
Participants
Budget
Time Frame
Expected Output
Organizational/Management Policies ………………………………. 32-33
Operating Policies
Financial Policies
Performance Policies
Administrative Offences and Sanctions ………………………. 33 - 35
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CHAPTER III: MARKETING ASPECT
1. Situation Analysis……………………………………………… 36 - 37
A). Environmental Analysis (enumerate critical areas regarding the
external environment
related to trends, opportunities, and threats).
B). Company Analysis (companies capabilities as well as the brand or
product’s advantage)
C). Market Analysis ……………………………………………… 38 -40
c.1 Historical Demand & Supply Schedule
c.2 Projected Demand & Supply Schedule
2. Competitors Analysis …………………………………………. 40 - 42
Evaluate at least (5) five major competitors or even critical substitutes
that represent the key
players in the product’s battlefield. Identify their Product Name &
Logo, Market Position, and
Strengths & Weaknesses
3. PESTLE Analysis ……………………………………………………. 42
Political and Legal Environment
Economic Environment
Social and Cultural Environment
Technological Environment
Ecological Environment
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4. SWOT Analysis ………………………………………………….. 44 - 45
Strength
Weaknesses
Opportunities
Threats
5. Market Segmentation………………………………………….. 46 - 47
Demographic
Geographic
Psychographic
Behavioral
6. Marketing Strategy……………………………………………... 47 - 48
Product
People
Price
Place
Promotion
CHAPTER IV. Financial Aspect
1. Summary of Significant Accounting Policies & Assumptions …. 49
2. Pre-operating expenses
3. Production costing (if mdsg)
4. Statement of Cost of Goods Sold
5. Projected Financial Statements (3 years)
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5.1 Statement of Financial Position ………………………………. 49 - 50
5.2 Statement of Comprehensive Income ………………………… 51 - 52
5.3 Statement of Stockholders Equity ……………………………… 53
5.4 Statement of Cash Flows ……………………………………….. 53 - 54
6. Notes to Financial Statements
7. Financial Statements Analysis
7.1 Liquidity ratio ……………………………………………………….. 56
7.2 Profitability ratio …………………………………………………… 57
7.3 Stability ratio ………………………………………………………. 58
7.4 Turnover ratio …………………………………………………….. 58
CHAPTER V. Technical and Legal Aspect
Operations Schedule …………………………………………….. 59 – 60
Lending Process …………………………………………………... 60
Plant Location and Layout ………………………………………. 61 - 63
(Building & Facilities)
Terms and Conditions …………………………………………… 64 - 65
Machinery & Equipment …………………………………………… 66 - 68
Proper Waste Disposal
Gantt Chart of Activities (October 2018 onwards) ………………….. 69
Registration of Business Process ………………………………… 70 - 73
Securities Exchange Commission
Barangay
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Local Government Units
Bureau of Internal Revenue
Social Security System
Philippine Health Insurance
Home Development Mutual Fund
Other Government Agencies
VI. Socio-Economic Aspect ……………………………………….. 74 - 75
1. The Owners/Investors
2. The Management
3. The Customer
4. The Community
5. The Government
6. Other Stakeholders
7. Proposed Corporate Social Responsibility Program
Bibliography ………………………………………………………… 76 - 77
Books
Journal and Periodicals
Theses and Dissertations
On-line Sources
Appendixes
Code of Ethics in Conducting Feasibility Study ………………. 78
Letter of Approval ………………………………………………. 79
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Survey Questionnaires ……………………………………… 80 - 83
Tabulation of Survey Result ………………………………... 84 - 112
Curriculum Vitae …………………………………………… 113 -128
Executive Summary
Lending Service is a lending business firm engaging in financial service
with a low interest rate. Moreover, we focused on this business that targeted
people who are the fish vendor around Navotas and Malabon area.
Basically, Our business was located in 1348 M. Naval St. San Roque Navotas
City
Project Summary:
Summary related to Management aspects
The Lending Services promotes the lending business. In this chapter it
shows the proposed organizational chart which includes the Employees and
Finance officer, Human resource officer, Operation officer, four operation staff,
and one General manager. In this chapter, it explains the job description and the
selection process of recruitment.
Summary related to Marketing aspects
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Lending Service provides lowest interest rate, We use social media
platforms as a marketing strategy since most of the people are already engaged
in social media. There are a lot of existing lending industries, but we upgrade
our business by offering lending that will help to the fish vendors to buy all the
things that they needed to start their own business in residing Malabon city and
Navotas city.
Summary related to Financial aspects
The proposed capitalization of the business will be approximately Three
million pesos (3,000,000), with an estimated annual sales volume of three
million three hundred eighty four thousand four hundred seventy six and eighty
nine cents (3,384,476.89) in the first year. According to the statement of
comprehensive income, sales will rise in the coming years. The assumption is
that 75% of the profit will be retained the following year.
Summary related to Technological aspects
Personnel in the production area will work from 8:30 a.m. to 5:30 p.m.
Pass all of the necessary requirements, pay the fees, and wait for your name to
be called. There will be a step-by-step procedure and time allotted to complete
this process. If a person is unable to pay their fees, they will face a sanction. As
a result, the member should pay their debt as soon as possible before the due
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date. Another factor is that the lending interest rate would be set at 5% per
month.
Summary related to Socio-Economic, & Legal Aspect
Because we offer the lowest interest rates and don't demand a lot of
paperwork for customers to obtain loans from us, customers will benefit from
working with us. Our company will benefit the community because we provide
equal opportunities to market vendors and fishermen who do not have the
financial means to start and sustain their businesses. Because we will adhere to
all government policies and pay taxes, the government will benefit from the
company. Before we begin operations, our lending company will follow all
applicable rules and regulations. We will complete the necessary paperwork and
requirements.
Conclusion
At the end of the study, through a thorough investigation and with the
help of the survey, our group therefore conclude that:
A. Lending services is a big help to the fish vendors to sustain their
business.
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B. Lending services plays an important role as they take over by providing
an environmental consideration into the operation.
C. Fish vendors growth as an individual rely on how these so-called lending
services express their managing tasks to help less fortunate people to
sustain their businesses.
D. Lastly, all aspect in the process of growth being accomplish by the fish
vendors results to a better perspective though not that as with that
presence of their community.
Recommendation
Looking through the results of the study based on the facts and
information gathered, as a group, the researchers recommend the following:
A. Fish lending in Malabon and Navotas must assess the significance of
risk management in every category. The ordeal of the flow of goods and
effective planning in financial aspect of each group must understand the
possible risk to identify underlying causes, monitor the flow of
receivables and meet the demand of requisition.
B. In addition, problems like lack of capital, non-assurance of having a good
business, non-recognition of aquaculture services constrains the ability
of having a good future but protecting our own environment will take us
in a good deal for a long time.
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Proponents
The project proponents are 4th year college students of Navotas
Polytechnic College pursuing a bachelor of science in Financial Managements
Business / Trade Name
We got the idea of lending services in our group collaborated ideas who taught
as about the wealth and success for their business.
Type of Business Ownership
Loans from lending services that give fish vendors the money they need to
operate their business more profitably and to purchase inputs.
This is a type of business in which system is gathered by nine people who
invested the business, and this business follows the general partnership where
each member invests money equally and is also responsible for everything
inside our business. including the losses and profits of Lending services in fish
vendors, which might also reflect the performance of the business.
Business Locations
Our office is located at 1348 M. Naval St, San Roque, Navotas city
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Figure 1: Business Location
This office was chosen because it was convenience and accessibility. In the
MALABON and NAVOTAS area, despite being far from our office, clients can
still learn about our financing services through our lending pages. it's a lengthy
street close to main street. Customer will be able to find the location and visit it
when it is most convenient for them.
Target Market
Lending services that give fish vendors the money they need to operate their
market more profitably and to purchase some of their needs to sell their fishes.
Fish vendors can loan to purchase their boats and real estate for their
operations, refinancing other fishery business debt, capital to help with
operations, payroll financing to make sure employees are paid on time, along
with other forms of lending to purchase and maintain top-grade equipment.
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CHAPTER 2
Organization and Management Aspect
ORGANZATIONAL STRUCTURE OF LENDING SERVICES
PARTNERS
GENERAL MANAGER
FINANCE OFFICER HUMAN RESOURCE OPERATION

OFFICER OFFICER
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OPERATION STAFF
4
SECURITY GUARD
Figure 2: Organizational Structure
JOB ANALYSIS
Partners
Responsible for supporting, creating, and implementing business
strategies to enhance the position and integrity of an organization or business.
Provides commercial change, manages budgets, and implements strategic
change. However, the profession requires a lot of dedication and work. defining
a financial and business plan, For business owners, it's crucial to coach staff
and promote their products or services.
- Develop and guide programs and company strategy.

- Participate in budgeting and forecasting.
- Develop and manage relationships across the business.
- Manage administrative functions to ensure smooth and efficient
operations of the organization.
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- Represent the organization to the public, key stakeholders and business

partner
- Plan and implement the annual calendar of activities including fundraising
initiatives, special events and the official administrative acts.
- Help create budgets and track expenditures.
Job Qualification
- Degree in business administration or a related field.

- Master's degree preferred.
- Extensive managerial experience.
- Strong communication, interpersonal, and presentation skills.
- Excellent leadership skills.
- Executive decision-making skills.
- Strong strategic and analytical mindset.
- Exceptional business acumen.
General manager
General Manager is an executive who has overall responsibility for all
administrative functions in company's business. General Managers set policies,
operations, create and maintain budgets. General Manager coordinates
employees and supervises lower-level managers.
Job Qualification
- Previous working experience as a General Manager for (3) years
- Outstanding communication, interpersonal and leadership skills
- Excellent presentation skills
- A proven track record of successfully leading and motivating diverse
teams
- Multitasker and critical thinker with strong analytical skills
- Excellent organizational and time management skills
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- MA in Business Administration or similar relevant field
Salary and benefits

The annual salary range for a General Manager is 264,000,00.
P 22,000 x 12months = 264,000,00.
P 846 x 26days = 22,000,00.
The obligations of the company cover the benefits of a General Manager, such
as SSS, PAG-IBIG, and other perks.
Finance officer
Responsible for all financial aspects of a business or organisation. They

manage the budget, prepare financial reports, and ensure that all financial
transactions are conducted legally and ethically.
Job Qualification
- Male or Female
- BSc degree in Finance, Accounting or Economics
- Solid knowledge of financial and accounting procedures
- Knowledge of financial regulations
- Strong ethics, with an ability to manage confidential data
- Advanced MS Excel skills
- Sharp time management skills
- Professional qualification as a CFA/CPA is considered a plus
Salary and benefits

The annual salary range for a Credit officer is 216,000,00.
P 18,000 x 12months = 216,000,00.
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P 692 x 26days = 18,000,00.
The obligations of the company cover the benefits of the Finance officer, such
Human Resource Officer

Responsible for providing support in the various human resources and
functions, which include recruitment, staffing, training and development,
performance monitoring and employee counseling .
Job Qualification
- Male or Female
- Graduate in four (4) years degree in related fields like Bachelor's Degree
in Human Resources and Psychology.
- Knowledgeable in HR functions (pay & benefits, training and
development etc.
- Experience as a Skills Development Facilitator may be advantageous.
- Good Communication and Writing Skills. Able to engage in meaningful
negotiation and resolution.
- Proficiency with computers such as MS Office.
Salary and Benefits
The annual salary range for a Human Resource officer is P 216,000,00.

Php 18,000 x 12 months = Php 216,000
Php 692 x 26 days = Php 18,000
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The obligations of the company cover the benefits of a Human Resource officer,
such as SSS, PAG-IBIG, and other perks.
Operation Officer
Support all business departments, encompassing administration, human
resources, and finances, assuring that practical actions are obtained on time
and within allowance, conducting budget allotment and expenditure
management for all business operational actions, and conducting regular active
inquiries and audits for preventative maintenance. work closely with the
operational team. They also assist with problem-solving and also ensure the
completion of resource assignments, work allocation, training improvement, and
accomplishment evaluations.
Job Qualification
- Male or Female
- 2+ years of operations experience is desirable.
- Exceptional business sense
- should have also a thorough understanding of resource allocation.
- Problem solver and decision-maker extraordinaire
- Detail-oriented communicator (both vocally and in writing)
- Dedicated and proactive
-
Salary and Benefits
The annual salary range for a Operation officer is P 216,000,00.

Php 18,000 x 12 months = Php 216,000
Php 692 x 26 days = Php 18,000
The obligations of the company cover the benefits for a Marketing officer, such
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Operation Staff
Ensure there is smooth operations of the daily routine work to be carried

out without any major hurdles and to ensure that all the external clients are
served well for the requirements they approcah the bank and the internal clients
too are responded to and served well to carry on the daily operations. All these
need to be carried on within the defined policies and procedures of the
organisation.
Job Qualification
- Male or Female
- High school diploma or equivalent.
- A relevant certificate may be required.
- Previous experience in a similar role.
- Additional courses in Business Writing and Elocution are advantageous.
- Excellent written and verbal communication skills.
- Superb organizational skills.
Salary and Benefits
The annual salary range for a Operation Staff is P 180,000,00.

Php 15,000 x 12 months = Php 180,000
Php 576 x 26 days = Php 15,000
The obligations of the company cover the benefits for a Operation Staff, such as
SSS, PAG-IBIG, and other perks.
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Security Guard
Secures premises and personnel by patrolling property, monitoring

surveillance equipment, and access points. Investigates security breaches,
incidents, and other alarming behavior. Controls traffic by directing drivers.
Completes reports by recording observations, information, occurrences, and
surveillance activities.
Job Qualification
- Must be at least high school graduate
- Must be at least eighteen (18) years old but not more than fifty (50) years
old.
- physically and mentally fit to work as security guard/lady guard.
- Must have undergone pre-licensing training course/basic security guard
course.
- At least one hundred twenty (120) lbs.
Salary and Benefits
The annual salary range for a Security Guard is P 168,000,00.

Php 14,000 x 12 months = Php 168,000
Php 538 x 26 days = Php 14,000
The obligations of the company cover the benefits for a Security Guard, such as
SSS, PAG-IBIG, and other perks.
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HR PLANNING:
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IDENTIFY JOB
SHORT LISTING
REQUIREMENTS
SCRUTINIZING
JOB DESCRIPTION
APPLICATION
ADVERTISEMENT
AND ATTRACTING
MANAGING
CANDIDATE FOR
APPLICATION
VACANT
POSITION
Figure 3 :Recruitment Process
The First step of Recruitment Process is identifying the job requirement
one of the requirements was an educational attainment whether they will
be graduated in college and have a knowledge about the job. And it
follows by job description in the job description we will describe that we
need an employee who’s among them are skillful enough, capable for the
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job duties, job responsibilities, for a specific job. And it would follow by
Advertisement and Attracting candidate for vacant position because we
have provide an job requirement and description we will have an
advertisement like Facebook advertisement video, and many more to
attract the most suitable candidate for the vacant position of a job and it
will followed by managing application in this process we will manage and
we will analyze the requirements and we will find a vacant position for the
candidate that we see more suitable to have an impact in a job. After that
we thoroughly select the best and the most deserving for the job through
the assessment of their educational attainment, Personalities, Work
ethics etc. after that it will fall on the short listing we will select an one
candidate and we will choose them to do the job that we requiredto do.
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SELECTION PROCESS
Preliminary Interview
Receiving Applications
Screening of Application
Employment Test REJECTION
*IF FOUND
UNSUITABLE
Interview
Reference Checking
Medical Examination
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Final Selection
HIRED 😊
FIGURE 4: Selection Process
The Selection Process was composed of first the Preliminary Interview we were
conducting this for the partial interviewing of applicant for us to analyze who’s
among them are suitable for job through their presenting themselves and on
how they could introduce themselves. After that it would follow by receiving their
application we will accepting their resume with an attached copy of their 2x2
Picture and the next step was screening their Application from the paper that we
received we will choose whose among the applicant are suitable enough to take
a employment test that measures their knowledge, understanding and analyzing
in different kind of questions and whose among them that passed on Preliminary
Interview, and Employment test will be undergo for an interview and whose
among the applicant that not been selected we will reject them if we will found
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them unsuitable for the job. After the Interviewing we will checking their
Reference that we seen in their resume after we verified that it was correct and
accurate, We will ask the employee to take a medical Examination for us to
know whether they have a history of sickness or diseases
TRAINING AND DEVELOPMENT
Training is an activity that only lasts for a short period of time and is a reactive
process, whereas development is an action that is continuous and is performed
proactively by executives. The objective of employee training is to acquire new
skills, while the objective of development is to build a full personality.
The "Lending Services in Fish Vendors" will give training and development
opportunities for both newly employed and current employees.
ACTIVITY
Learning new information and best practices for managing the people function in
a business can be facilitated by taking human resources training courses for
individuals formally assigned talent management tasks as well as others.
Our staff members are helped to become familiar with the fundamentals of your
product lines and services via Seminar activities involving question and answer
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sessions. All staff employees are exposed to potential responses to crucial
consumer inquiries about products and services through panel discussions with
other staff members as the audience. Everyone can take part in the activity by
rotating staff members to panel seats to answer questions.
OBJECTIVES
Every business looks for productivity, personal growth, quality improvement, and
ability to maintain an effective management team. These are the main
objectives of any training and development program in an organization.
1. Induce new employees: Induce employees are the main aim of training
and this is the most essential for a company.
2. Obtain knowledge of company policy: Employees should have sufficient
knowledge about company policy for best performance. Training and
development help employees obtain knowledge of company policy.
3. Ensure personal growth: Training and development give an employee
everything needed to be a good professional. And when he becomes a good
employee it ensures his personal growth.
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4. Increase productivity: Training develops a person’s skill to a professional
level so, it is easy to say obviously the training and development process
increases productivity.
5. Improve health care: Without good health, the employee can’t serve
properly to his / her company. So, training and development improve health
care.
PARTICIPANTS
 Participating Employer – need to understand the organization’s needs
and make sure those needs are met when recruiting for new positions.
 Employee – employee participation is a process in which the employees
is the one who’s in control in talking their contribution by incorporating
their involvement in the policy management. In this process, they became
a part of decision-making along with their superiors or higher
management.
Foods P 10,000
(including snacks, water, guest and HR staff)
Prizes P 2,000
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Flyers P 1,000
Speakers P 2,000
TOTAL P 15,000
BUDGET
Table 2: Budget
TIME FRAME
This training will be a 4 hours seminar, starting 8:00am to 5:00pm within a span
of twice a week.
EXPECTED OUTPUT
 Better understanding about the industries.
 Starting their own business.
 Becoming an entrepreneur
PERFORMANCE APPRAISAL:
Date:
Time:
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Employee Name:
Employee ID:
Employee
Position:
Evaluator: _____________________________
Rating Scale:
5 Substantially exceeds job requirements
4 Exceeds job requirements
3 Meets job requirements
2 Partially meets job requirements
1 Does not meet most job requirements
Performance Category Rating
Quality of Work:
Work is completed accurately (few or no errors), efficiently and
within deadlines with minimal supervision
Attendance & Punctuality:
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Reports for work on time, provides advance notice of need for
absence
Reliability/Dependability:
Consistently performs at a high level; manages time and
workload effectively to meet responsibilities
Communication Skills:
Written and oral communications are clear, organized and
effective; listens and comprehends well
Table 3: Performance Category
PAY AND BENEFITS
Minimum wage is given to direct and indirect employee, wages is according to
the department of labor and employment: national wages and productivity
commission underlying the sector of service with 16 or more than number of
employees. Each classified position is assigned to a salary range that provides
on similar employment in the defined labor market: minimum, mid-point and
maximum salary range.
Employee such as HR, Accounting, Book keeper Auditor etc., will be paid
according to their hourly rate. Direct employee will work 8 hours daily with 1hour
break and an overtime if needed.
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ANNUAL GROSS SALARY
The annual gross salary of employee of our lending services is consisting salary
of an employee before deduction are made plus 13month pay.
Our lending services has a different approach of the salary computation
depending on the working days of the employee. Administrative or
employee have only 6 working days a week or a total of 290 days of working
days in a year. Every employee will also receive a 13 month pay equivalent to
their monthly salary pay.
COMPENSATION
It's a policy of the company to compensate it's employees at a level sufficient to
encourage excellence of performance and to maintain the labor market
competitiveness necessary to recruit and retain a competent workforce.
WORK PAY
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The minimum wages would be PhP570 and PhP533 NCR issued Wage Order
No. NCR-23 on 13 May 2022 that granted a wage increase of PhP33.
OVERTIME
Overtime pays refers to the additional compensation for work beyond eight (8)
hours a day.
BENEFITS
1. Employee are entitled to 13th month pay and bonuses one year after the
business established.
2. Employee are entitled to separation pay under article 283-284 of the labor
code of the Philippines depending on the grounds of the company's termination
policy.
3. Promotion policy- this is the offered for employees who are excellent
performers, shows initiative and desire to advance. High rates of pay are given
for those extra responsibilities
4. Phil health- the Phil health program provides benefits for hospitalization of the
employee
5. SSS benefits- a social security contribution is required to include both the
employer and employees share
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LABOR RELATIONS:
Labor relations refers to the procedure utilized by management, unions, and
employeesto reach choices inside businesses. The judgments made concern
compensation, working conditions, working hours, workplace security, and
grievances.
ACTIVITY OBJECTIVE TIME BUDGE PARTICIPANT EXPECTED
FRAME T S OUTPUT
On-the- - - This P 5,000 Employees -At the end
job Employees training of the
training acquire will be training we
new skills an 8 expected
Through without hour that
learning having training
while their , -At the end
doing their normal starting of the
jobs, activities 8:00am training we
employee and to expected
s with on- productivity 5:00pm that
the-job interrupted. within a
training span of -The
are able to three employees
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actively -Allows weeks. have Faster
participate workers to training with
. It's one concentrat real
of the best e on the experience
technique skills that they learn
s for are most precisely
employee pertinent to what their
training. their jobs, job entails
which and ask any
facilitates questions
tailored that arise
training. while
shadowing
coworkers.
-The
employee
will learn
faster and
can learn
precisely
what their
Page | 26
job entails
and ask any
questions
that arise
while
shadowing
coworkers.
-Must have
a faster
adaptation
to a new job
it allows
employees
to learn
processes
in your
organization
faster and
more
efficiently.
Page | 27
-Trainee
can perform
simple job
tasks from
the
beginning if
you are
shorthande
d and get
busy, your
trainee can
assist, and
this can
ease the
block in the
workflow.
Table 3 : Labor and Relation
ORGANIZATIONAL/MANAGEMENT POLICIES
Page | 28
All corporate policies will be carefully enforced on a daily basis not only learn
and read, but digested and applied. Those who are discovered to be disobedient
will face a harsh punishment. Employee must observe the participation criteria
outlined the policies.
OPERATING POLICIES
Lending Services in Fish vendors conduct an operatingpolicy. It includes an
overview of the instruments, project assessments, and the structure of financial
terms and contractual terms.
FINANCIAL POLICIES
Financial policies the guidelines that control an organization's financial
operations are known as its financial policies. The overall objectives of the
business should be in line with well-designed financial policies. Additionally, they
should be written in a way that allows for flexibility within the policy and is clear
enough for people across the business to understand.
1. Salary will be paid every 15th of the month.
2. Employee is entitled to Phil health, SSS, PAG-IBIG Fund, Holiday, and
Overtime Pay.
3. Policy statement regarding financial fraud or conflicts of interest.
4. Responsibility for maintaining correct financial records is specifically defined.
Page | 29
5. The 13th Month pay will be given in the month of December.
PERFORMANCE POLICIES
Organization performance and productivity are extremely important for financial
and insurance establishments. Workers face high performance standards in
environments that are highly disciplined and timetable. The main purposes of
the performance evaluation are to define goals for the following year and to
enable two-way discussion about an individual’s work performance between a
Manager and the Employee. Performance evaluation also may provide a basis
for salary changes, promotions, or other changes.
ADMINISTRATIVE OFFENSE AND SANCTIONS
Administrative offenses and sanctions is to show the various offense that can be
committed by the violators.
WARNING. This warning is given to an employee who violates the 1st and 2nd
offences.
SUSPENSION. This is given to the employee who violates the 3rd and 4th
offenses. Some employees receive a warning when significant offences have
taken place that might result in an automatic suspension.
Page | 30
TERMINATION. An employee who violates the 5th offence may face disciplinary
action. This offense is very serious because all nature of offences has been
violated and they chose to continue to commit violations.
OFFENSE
SANCTION
DATA 1st 2nd 3rd 4th
PRIVACY VERBAL WRITTEN SUSPENSIO TERMINATION
WARNING WARNING N (3 DAYS)
Tardiness
Bullying in the
workplace
Absenteeism
Sexual
Harassment
Leaving the
workplace
without
permission
Breaking the
rules and
Page | 31
regulation of
the company
Sleeping on
duty
Negligence
Improper
Uniform
Table 4 : Administrative Offense and Sanctions
1st Offence - Verbal warning
2nd Offence - Disciplinary warning
3rd Offence - Suspension (3 days suspended).
4th Offence - Termination
CHAPTER III
MARKETING ASPECT
1. SITUATIONAL ANALYSIS
Page | 32
Lending Services it develops an innovative business that managed by the
group of a people who’s passionate to promote and prioritizing the
industry of fishing and improving the quality of life of every Filipino citizen
introduce the fishing Industry to the Filipino people as the future industry
in the Philippines. The marketing of this lending services will be the key to
the development of fishermen. This lending services produces a financial
loan for the business owner, entrepreneur, and individual that want to
start and explore urban farming. Our lending services will be a trusted
and most convenient in agricultural credit investment by providing
superior services to the fisheries. This lending services will be served
nationwide eventually, but for the meantime, it all be served only in the
METRO MANILA AREAS
A. ENVIRONMENTAL ANALYSIS
Our Lending Services is a financial loan business that can provide money
loan for those fish vendors that doesn’t have capital or money. Our
Lending Services can support those commercial fish markets so that they
can use the money they loan to start their business, buy equipment and
for their market. Fisheries and aquaculture are more than just sources of
employment or food; they also have profound cultural value. Traditional
fishery products like fish sauce and sauces made from fish have long
been essential components of people's daily diets and are difficult to
Page | 33
replace. So Lending Services are happily helping fishermen make the
leap into the world of farming and use their funds wisely. “There are so
many products that could become big industries, but we don’t have the
backing so it all goes to waste,” says Amhar Abubakar, head of the Aceh
Development Board in Banda Aceh. “We need to empower people by
helping them to start their own businesses.
B. COMPANY ANALYSIS
Our business, the LENDING SERVICES, will focus on providing financial
loan for the business owner, entrepreneur, and individual that want to
start and explore the fishing industry business. Our business target are
those people whose interested to pursue a fishing business, as fishing is
the most well known industry in the Philippines. We also offer credit funds
as a capital alternative to increase productivity in developing countries.
Our company not just prioritizes the fisheries credit investments but also
to improve the quality of life of every Filipino citizen in the Philippines. We
also guarantee that our business has a small interest to share the equal
rights and no one is above to others. Our company believes that in the
future, the LENDING SERVICES that we offer will become one of the
trusted and most convenient superior services in our fishing industry.
Page | 34
C. MARKET ANALYSIS
The table shows Historical Population Schedule
1. C.1.1 Historical Population Schedule
Sales 2018 2019 2020 2021 2022
Territory
Malabon 375,135 377,315 380,522 383,756 387,018
Navotas 248,337 247,940 247,543 247,147 246,751
Total 622,472 625,255 628,065 630,903 633,770
The table shows Schedule of Supply
2. C.1.2 Schedule of Supply
Sales Population Direct Indirect Unsupplied
Territory Competitors Competitors Demand
Page | 35
(35%) (45%) (20%)
Malabon 390,308 136,608 175,639 78,062
Navotas 246,357 86,225 110,861 49,271
Total 639,665 222,833 286,499 127,333
The table shows Projected Population Schedule
3. C.1.3 Projected Population Schedule
Sales 2023 2024 2025 2026 2027
Territory
Malabon 390,308 393,626 396,971 411,889 403,749
Navotas 246,357 245,963 245,569 245,176 244,784
Total 636,665 639,588 642,540 657,065 648,533
The table shows Schedule of Projected Demand
4.C.1.4 Schedule of Projected Demand
Sales 2023 2024 2025 2026 2027
Territory
Page | 36
Malabon 1,424 1,434 1,444 1,454 1,464
Navotas 899 905 911 917 924
Total 2,323 2,339 2,355 2,371 2,387
2. COMPETITORS ANALYSIS
Product Name Description
1..EverFirst EverFirst Loans Corporation is registered with the

loan
Corporation Securities and Exchange Commission and a
member of Lending Investors Federation. Its
corporate headquarters is located in Quezon
City.The company started operations in 1997 with its
first branch located in Forest Hills, Novaliches. As of
2021, EverFirst has grown to 96 branches located in
NCR, Olongapo, Pampanga, Bulacan, Cavite,
Batangas, Laguna, Rizal and Quezon. They have
branch here in Navotas located in 2nd Floor,
Philmariner Bldg. North Bay Blvd., Navotas, Metro
Manila,
Page | 37
2. CVM Finance CVM Finance and Credit Corporation (Formerly

and Credit
Corporation CVM Lending Corporation) is a proudly 100%
Filipino-owned corporation, organized and existing
under Philippine Laws, It is a full-service corporation
providing a broad mix of financial loan services
made available to the general public; helping all
members of the community from the smallest
entrepreneurs such as market vendors, stall owners,
fish pen owners, and store owners to small and
medium enterprises; from employees to retirees, as
well as their families. They have branch here in
Malabon and It is located in 325-A General Luna St.,
Concepcion, Malabon City
3 Informal The Philippines, a developing nation, has a sizable
Lending informal sector made up of microbusinesses. Many
Activities (5/6) of these are tiny vendors in public markets who are
highly resource constrained and whose ability to stay
in business depends greatly on having access to
financing. Two separate types of 5-6 financiers,
Filipinos and Indians, are present in Philippine public
Page | 38
markets, each with a unique lending method, and
they are typically found in the informal sector sector
as well. Here in Navotas a lot of lender who offer to
the small business owners to lend the money one
them are the 5/6 lenders, Since many borrowers do
not need to meet the conditions,and there are many
5/6 everywhere, and it has become one of our
industry's biggest competitors
3. PESTLE ANALYSIS
POLITICAL
Our Lending Services will strictly comply with all government websites
and laws and will pay any taxes due. Check the websites of several
government agencies, such as, BIR, SEC, and DTI. It covers things like
company license, permits, and other government regulations.
ECONOMIC
Lending Services have different factor to consider and might influence
our company operation right now or mainly concern is current financial
stability. As well as known, some of business in our country are still
Page | 39
facing financial problem, because of pandemic, so were focusing our
lending services make stronger and competitive.
SOCIAL AND CULTURAL
The Lending services is a financial loan business that can provide money
loan for those fish vendors that doesn’t have capital or money. Lending
Services can support those commercial fish markets so that they can use
the money they loan to start their business, buy equipment and for their
market. Fisheries and aquaculture are more than just sources of
employment or food; they also have profound cultural value. Traditional
fishery products like fish sauce and sauces made from fish have long
been essential components of people's daily diets and are difficult to
replace. So, ourLending Services are happily helping farmers make the
leap into the world of farming and use their funds wisely. “There are so
many products that could become big industries, but we don’t have the
backing so it all goes to waste,” says Amhar Abubakar, head of the Aceh
Development Board in Banda Aceh. “We need to empower people by
helping them to start their own businesses.
TECHNOLOGICAL
Page | 40
Our lending services, particularly our online lending services, make use
of technology, the amount of paper that is used is gradually decreasing.
In addition, there is a significantly reduced need to go immediately to a
branch in order to take care of business.
ENVIRONMENTAL
Our lending services are committed to providing a friendly environment
for our customers, and as a result, we make it a priority to be available to
our clients at all times and in any place. Customers, both new and
existing do not need to visit the branch to complete transactions since we
provide a convenient and hassle-free service that is accessible online.
4. SWOT ANALYSIS
STRENGHT
 Efficient provision of savings
 Improve living standards
 Build assets
 It supports community development
 Can break cycled poverty.
Page | 41
WEAKNESSES
 Small loan amount
 Widespread dependence on lending services
 Absence of collateral security
OPPORTUNITIES
 Building new client relationship
 Lending Services expanding market place
 Lenders still considering further innovation
 Access to new customer
 Increase payment efficiency
 Match borrowers and lenders more efficiently and effectively
THREATS
 New competitors entering market
 Continue lowest interest rate
 Hire more experience personnel to better market their services
 pen new offices in other location
 rate variation
Page | 42
5. MARKET SEGMENTATION
DEMOGRAPHIC
•Age: 25- 55
•Gender: Male or Female
•Educational attainment: Primary-Tertiary
•Life Stage: Homeowner, Place in market, market vendor
•Occupation: Fish Vendor
•Income: 15,000-20,000 Monthly
GEOGRAPHIC
•Malabon: 50 Respondent
•Navotas: 50 Respondent
PSYCHOGRAPHIC
•Easy to Loan
•Low of interest
•Long term of payment
•Transparent
Page | 43
BEHAVIORAL
•Personality: Good Payer, Able to communicate well.
•Social:
•Lifestyle: Fish vendors
•Activities: Buy and sell
6. MARKETING STRATEGY
Product
We offer a lending service that will help to the fish vendors to buy all the
things that they needed to start their own business about the fishery industry
and also to provide them a knowledge about how they can start, Why they
should start as soon a possible, What they needed to know about this kind of
field, our lending service offers a different Loan terms for reasonable package
that suites to their cost of living, for them to encourage to start doing a business
even in small amount of capital.
Price
Our Lending services proposed a fair amount of interest and easy-to-loan
money, with limited requirements so that we easily approved the money that
Page | 44
they apply, specifically to our fish vendors our service helps them to start a
business and use it as capital. We offer a starting loan to borrow amounting to
Php 10,000 as the lowest money and they could loan up to Php 100,000 as the
maximum money, with a 5%monthly interest rate, however, the yearly interest
will depend on the customer if they failed to pay the loan. The additional interest
will depend on the terms and conditions.
Place
Our office is located at 1348 M. Naval St., San Roque, Navotas City, This
office was chosen because it was convenience and accessibility. In the
MALABON and NAVOTAS area, despite being far from our office, clients can
still learn about our financing services through our lending pages. it's a lengthy
street close to main street. Customer will be able to find the location and visit it
when it is most convenient for them.
Promotion
We'll advertise this using both traditional and online channels. We'll
publish content on websites like Facebook and Instagram, as well as
additionally in the internet platform, which will have more users. As well We can
also publish it in print media for the conventional market. Make brochures and
flyers.
Page | 45
Chapter 4
FINANCIAL ASPECTS
Summary of Significant Accounting Policies & Assumptions
a. Pre-operating expenses
b. Production costing
c. Statement of Cost of Goods Sold
d. Projected Financial Statements (3 years)
Statement of Financial Position
Fish Fund Lending Service

Statement of Financial Position
(As of) Years ended 2023-2025
2023 2024 2025
ASSETS
Current Assets
Cash 3,125,302.46 3,598,517.96 4,129,430.58
Supplies 10,087.00 10,087.00 10,087.00
Total Current Assets 3,135,389.46 3,608,604.96 4,139,517.58
Non-Current Assets
Office Equipment 106,850.00 106,850.00 106,850.00
Accumulated Depreciation -21,370.00 -42,740.00 -64,110.00
Machineries and Equipment 100,000.00 100,000.00 100,000.00
Furnitures and Fixtures 192,598.00 192,598.00 192,598.00
Page | 46
Leasehold Improvements 475,000.00 475,000.00 475,000.00

Total Non-Current Assets 699,558.4 524,668.8 530,912.62
Total Assets 3,834,947.86 4,133,273.76 4,489,296.78
LIABILITIES
Current Liabilities
Salaries Payable 60,062.50 60,062.50 60,062.50
Employee Benefits Payable 14,772.50 14,772.50 14,772.50
VAT Payable 339,769.34 349,394.79 359,248.37
Income Tax Payable 192,553.06 216,376.05 240,763.65
Utilities Payable 18,500.00 18,500.00 18,500.00
Total Current Liabilities 625,657.40 659,105.84 693,347.02
Total Liabilities 625,657.40 659,105.84 693,347.02
EQUITY
Partner Equity 3,209,290.47 3,474,167.92 3,795,949.77
Total Partner's Equity 3,209,290.47 3,474,167.92 3,795,949.77
TOTAL LIABILITIES AND EQUITY ₱ 3,834,947.86 ₱ 4,133,273.76 ₱ 4,489,296.79
Statement of Comprehensive Income
Fish Fund Lending Services
Statement of Comprehensive Income
Page | 47
For the years ended December 31
2023 2024 2025
Service Revenue (Note 1) 3,384,476.89 3,464,688.99 3,546,802.12
Administrative and
Operating Expenses:
Marketing Expenses (Note 96,000.00 96,000.00 96,000.00
2)
Training and Development 60,000.00 60,000.00 60,000.00
(Note 3)
Salaries and Wages (Note 1,381,437.50 1,381,437.50 1,381,437.50
4)
Employees Benefits (Note 339,767.50 339,767.50 339,767.50
4)
13th Month Pay (Note 4) 132,000.00 132,000.00 132,000.00
Supplies (Note 5) 121,044.00 121,044.00 121,044.00
Rent Expense 120,000.00 120,000.00 120,000.00
Depreciation Expense 174,889.60 174,889.60 174,889.60
(Note 6)
Utilities Expense (Note 7) 203,500.00 203,500.00 203,500.00
Repairs and Maintenance 33,844.77 34,646.89 35,468.02
Representation 60,000.00 60,000.00 60,000.00
Insurance Expense 10,000.00 10,000.00 10,000.00
Page | 48
Taxes and Licenses 10,150.00 10,150.00 10,150.00
Total Expenses 2,742,633.37 2,743,435.49 2,744,256.62
Net Income Before Taxes 641,843.52 721,253.50 802,545.50
Income Tax 192,553.06 216,376.05 240,763.65
Net Income After tax 449,290.47 504,877.45 561,781.85
Lending Service
Statement in Changes in Equity
As of December 31
2023 2024 2025
Beginning 3,000,000.00 3,209,290.47 3,474,167.92
Page | 49
Net income for the year 449,290.47 504,877.45 561,781.85
Total 3,449,290.47 3,714,167.92 4,035,949.77
Regular Drawings 240,000.00 240,000.00 240,000.00
Ending 3,209,290.47 3,474,167.92 3,795,949.77
Statement of Cash Flows

Statement of Cash Flows
As of December, 31
2023 2024 2025
Beginning Cash Balance 3,125,302.46 3,598,517.96
Operating Activities:
Service Revenue (Note 1) 3,790,614.12 3,880,451.67 3,972,418.38

Marketing Expenses (Note 2) -96,000.00 -96,000.00 -96,000.00
Training and Development (Note 3) -60,000.00 -60,000.00 -60,000.00
Salaries and Wages (Note 4) -1,381,437.50 -1,381,437.50 -1,381,437.50
Employees Benefits (Note 4) -339,767.50 -339,767.50 -339,767.50
13th Month Pay (Note 4) -132,000.00 -132,000.00 -132,000.00
Supplies (Note 5) -121,044.00 -121,044.00 -121,044.00
Rent Expense -120,000.00 -120,000.00 -120,000.00
Utilities Expense (Note 7) -203,500.00 -203,500.00 -203,500.00
Repairs and Maintenance -33,844.77 -34,646.89 -35,468.02
Representation -60,000.00 -60,000.00 -60,000.00
Insurance Expense -10,000.00 -10,000.00 -10,000.00
Taxes and Licenses -10,150.00 -10,150.00 -10,150.00
VAT Remitted -339,769.34 -349,394.79
Income Tax -192,553.06 -216,376.05
Net Cash Inflow from Operating 1,239,750.46 713,215.50 770,912.62
Page | 50
Investing Activities
Office Equipment -106,850.00
Machineries and Equipment -100,000.00
Furniture and Fixtures -192,598.00
Renovation Cost -475,000.00
Net Cash Outflow from Investing

Activities -874,448.00 0.00 0.00
Financing Activities
Initial Investment 3,000,000.00
Regular Drawings -240,000.00 -240,000.00 -240,000.00
Net Cash In/(Out)flow from Financing

Activities 2,760,000.00 -240,000.00 -240,000.00
Ending Cash Balance ₱3,125,302.46 ₱3,598,517.96 ₱4,129,430.58

Financial Assumptions
Assets:
 Company's cash balances for each year is equal to cash balances in statement of
cashflows.
 Company assumed that there will be no credit sales for the first five years of their
operation.
 Supplies ending count are assumed to be fixed equal to one month supply of the
company.
 Leasehold Improvements are based on quoted amount of renovation expenses
that may incurred in furnishing the office and our venue.
 Company's fixed assets are assumed to have 5 years estimated useful life.
 The company used straight - line method in computing depreciation with no
residual value for the fixed assets.
Page | 51
Liabilities:
 Salaries payable and employee benefits payable is based on half month

computation of employees monthly compensation.
 VAT payable is the difference between the VAT Output and VAT Input of the
Company. (Company is required to have VAT Computation since its Revenue
exceeds 3,000,000.00)
 Utilities payable is equivalent to one month consumption of the company payable
next accounting period.
Equity:
 Equity balances are based on balances in statement in changes in Partners'

equity.
 The Owners have regular drawings that are assumed to be fixed amounted to
20,000.00 monthly for the first five years of operation equivalent to 240,000 per
year.
Income and Expenses:
 Service Revenue are assumed to increase by .69 percent every year based on
average population growth rate of the target market.
 Marketing Expenses are assumed to be fixed for the first five years.
 Salaries and wages and employee benefits are assumed to be fixed for the first
five years of company's operation.
 Repairs and Maintenance are assumed to be one percent of the gross revenue.
 Representations which is allowance for other expenses are assumed to be fixed
at 5,000.00 per month.
 Training and Development, Supplies, Rent, depreciation, insurance and taxes
and licenses expenses are assumed to be fixed for the first five years of
company's operation.
General Assumptions:
 The demand used in computing the projected financial statements are based on
Page market
the unsupplied demand in the target | 52 and survey results.
Financial Statement ratio
Liquidity ratio
Liquidity Ratios
Current Ratio
Current Assets 3,135,389.46 3,608,604.96 4,139,517.58
Divide by: Current Liabilities 625,657.40 659,105.84 693,347.02
5.01 5.47 5.97
Quick Ratio
Quick Assets 3,125,302.46 3,598,517.96 4,129,430.58
Divide by: Current Liabilities 625,657.40 659,105.84 693,347.02
4.9 5.45 5.95
Working Capital
Current Assets 3,135,389.46 3,608,604.96 4,139,517.58
Less: Current Liabilities 625,657.40 659,105.84 693,347.02
2,509,732.06 2,949,499.12 3,446,170.56
Profitability ratio
Profitability Sustainability Ratio
Operating Self Sufficiency
Business Revenue 3,384,476.89 3,464,688.99 3,546,802.12
Divide by: Total Expenses 2,742,633.37 2,743,435.49 2,744,256.62
1.23 1.0 1.29
Operating Expense Ratio
Operating Expenses 2,742,633.37 2,743,435.49 2,744,256.62
Divide by: Total Revenue 3,384,476.89 3,464,688.99 3,546,802.12
0.81 0.79 0.77
Net Profit Margin
Net Profit 449,290.47 504,877.45 561,781.85
Divide by: Total Sales 3,384,476.89 3,464,688.99 3,546,802.12
Page | 53
13.27% 14.57% 15.83%
Return on Total Assets

Net Income 449,290.47 504,877.45 561,781.85
Divide by: Average Total Assets 3,834,947.86 4,133,273.76 4,489,296.78
11.71% 12.21% 12.51%
Rate of Return on Equity
Net Profit 449,290.47 504,877.45 561,781.85
Divide by: Average Owner's Equity 3,209,290.47 3,474,167.92 3,795,949.77
13.99% 14.53% 14.79%
Stability ratio
Stability Ratios
Debt Ratio
Total Liabilities 625,657.40 659,105.84 693,347.02
Divide by: Total Assets 3,834,947.86 4,133,273.76 4,489,296.78
0.16% 0.15% 0.15%
Equity Ratio
Total Owner's Equity 3,209,290.47 3,474,167.92 3,795,949.77
0.83% 0.84% 0.84%
Page | 54
Turnover Ratios
Working Capital turnover ratio
Net Sales 3,384,476.89 3,464,688.99 3,546,802.12
Divide by: Working Capital 2,509,732.06 2,949,499.12 3,446,170.56
1.34% 1.17% 1.02%
Total Assets turnover Ratio

Net Sales 3,384,476.89 3,464,688.99 3,546,802.12
0.88% 0.83% 0.79%
Chapter 5
TECHNICAL AND LEGAL ASPECT
OPERATIONS SCHEDULES
Our lending services working hour of the personnel will start at 8:00 in the morning and
end at 5:00 in the afternoon. The employees will work from Monday to Saturday for 290
days in a year.
Legal Holidays are followed.
DATE Holiday
January 1 New Year
Movable Date Chinese New Year
February 25 EDSA Revolution
April 9 The Day of Valor
Movable Date Maundy Thursday
Movable Date Good Friday
Movable Date Black Saturday
May 1 Labor Day
Movable Date Ramadan
June 12 Independence Day
June 19 Jose Rizal’s Birth Celebration
Page | 55
Movable Date End of Ramadan

August 21 Ninoy Aquino Day
Last Monday of August National Heroes Day
September 24 Yulo Day
November 1 All Saint’s Day
November 2 All Soul’s Day
November 30 Bonifacio Day
December 8 Feast of Immaculate Conception of Mary
December 24 Christmas Eve

December 25 Christmas Day
December 30 Rizal Day
December 31 Last Day of the Year
Table 10: Holidays
Computation of Working Days:

No. of days in a year 365
Less: Sundays 52
No. of Holidays 23
________________ 75
TOTAL no. of working Days: 290
Lending Process
Customers Procedures Time process
Self-Employed Fill-out the application form and 5 minutes
wait for someone to call your
name
Page | 56
Submitting of requirements 3 minutes

 Photocopy of 2
valid ID’s
 1x1 picture and
2x2 picture (1
piece)
 Photocopy of
Police Clearance
 Photocopy of
Barangay
Clearance
Supporting documents (like
business permit)
Checking the documents for 5 minutes

qualifications
Interview 5 minutes
Signing of agreement (terms and 5 minutes
conditions and policy)
Releasing money 5 minutes
Table 11: Lending Process
PLANT LOCATION AND LAYOUT

The geographic location of this proposed business is at 1348 M., Naval St, San
Roque,NavotasCity with 40 square meters. The Lending services business will
schedule to open on Monday, 24th day of April 2023.
Page | 57
Figure 5. Google Map
Location Map
Figure 6. Land Area
Page | 58
Building Site
Figure 7. Building Site
Figure 8. Front View
Page | 59
Figure 9. Birds Eye
Figure 10. Birds Eye
Page | 60
TERMS AND CONDITION

1. Introduction
1.1 Welcome to Lending Services (Credit) Please read these Terms of Service
carefully before using the Services, so that you are aware of your rights and
obligations with respect to the Services.
1.2 These Terms of Service describe the terms and conditions applicable to
your use of the Services of Lending and constitute an agreement that creates a
legally binding relationship between you and us. You acknowledge and accept
that these Terms of Service also constitute an integral part of the Service
Documents.
1.3 By using the Services, you agree to be legally bound to these Terms of
Service. You represent and warrant to have read, understood and accepted
these Terms of Service and that you will only use the Services for your own
benefit (as the beneficial owner) and not for the benefit of any other person. If
you do not agree to these Terms of Service or if you are not the beneficial owner
in using the Services, you must cease your use of the Services
• Borrower and Lender Details
Key details about the borrower and lender must be included in the loan
agreement, such as their:
Names
Phone numbers
Addresses
Social security numbers
• Payment is on a monthly basis
• You must be able to pay on time
Page | 61
• Fixed monthly interest rate of 3% monthly

5-10k - 4-6months payable = 1,966 monthly pay (included monthly interest)
60-80k - 12-15months = 7,733 monthly pay (included monthly interest)
90-100k - 15-18 months payable = 8,555
monthly pay (included monthly interest)
3% monthly interest.
• Penalty for Late Payment. There shall also be imposed upon BORROWER a
5% penalty for any late payment computed upon the amount of any principal
and accrued interest whose payment to
LENDER is overdue under this loan agreement and for which LENDER has
delivered a notice of default to BORROWER.
• Process of payment the amount that could be loan is ranging from Php. 10,000
- 100,000 with an interest rate of 3% 1 month to 12 months installment.
• Lending Default: 3% 1st year, for the 2nd year 6% and 12% on the 3rd year.
Page | 62
MACHINERIES AND EQUIPMENT

Particulars Price Quantity Unit Total Cost
Computer ₱20,000 4 pieces ₱ 80,000
Printer with
Scanner and ₱10,000 2 pieces ₱ 20,000
Photocopier
Total 19 ₱100,000
Table 12: Machineries and Equipment
OFFICE EQUIPMENT
Laptop ₱ 30,000.00 1 piece ₱ 30,000.00
Point of sale ₱ 12,200.00 1 piece ₱ 12,200.00
system (POS)
3 ₱ 2,400.00 1 piece ₱ 2,400.00
Temperature
Option Water
Dispenser
Computers ₱ 20,000.00 2 pieces ₱ 40,000.00
Printer with ₱ 10,000.00 2 pieces ₱ 20,000.00
Scanner and
Photocopier
Calculator ₱ 200.00 3 pieces ₱ 600.00
Scissors ₱ 50.00 3 pieces ₱ 150.00
Puncher ₱ 200.00 3 pieces ₱ 600.00
Stapler ₱ 300.00 3 pieces ₱ 900.00
Total 19 pieces ₱ 106,850.00
Table 13: Office Equipment
FURNITURE AND FIXTURES

CCTV ₱ 20,000.00 2 pieces ₱ 40,000.00
Fire ₱ 1,499.00 2 pieces ₱ 2,998.00
Extinguisher
White Board ₱ 1,500.00 1 piece ₱ 1,500.00
Office Table ₱ 7,500.00 7 pieces ₱ 52,500.00
Page | 63
Office Chair ₱ 2,000.00 7 pieces ₱ 14,000.00

Office Cabinet ₱2,800.00 2 pieces ₱ 5,600.00
Air conditioner ₱ 30,000.00 2 pieces ₱ 60,000.00
Waiting Chair ₱ 8,000.00 2 pieces ₱ 16,000.00
Total 25 ₱192,598.00
Table 14: Materials and Supplies
SUPPLIES
Ball pen ₱ 49.00 4 pieces ₱ 196.00
(Black)
Marker ₱ 140.00 1 piece ₱ 140.00
White Board ₱ 160.00 1 piece ₱ 160.00
Marker
Record Book ₱ 45.00 2 pieces ₱ 90.00
Bond Paper ₱ 150.00 2 pieces ₱ 300.00
(A4)
Bond Paper ₱ 160.00 2 pieces ₱ 320.00
(Long)
Folder ₱ 45.00 5 pieces ₱ 225.00
Paper Clip ₱ 41.00 1 piece ₱ 41.00
Binder Clip ₱ 50.00 1 piece ₱ 50.00
Staple Wires ₱ 12.00 10 pieces ₱ 120.00
Scotch Tape ₱ 49.00 5 pieces ₱ 245.00
Ink for Printer ₱ 800.00 1 piece ₱ 800.00
Fastener ₱ 60.00 1 piece ₱ 60.00
Purified ₱ 30.00 8 pieces ₱ 240.00
Drinking
Water
Bathroom ₱ 180.00 8 pieces ₱ 1,440.00
Tissue
Alcohol ₱ 480.00 5 pieces ₱ 2,400.00
Cleaning ₱ 1,000.00 2 pieces ₱ 2,000.00
Materials
Dishwashing ₱ 150.00 8 pieces ₱ 1,200.00
Liquid
Hand Soap ₱ 60.00 1 piece ₱ 60.00
Total 68 ₱ 10,087.00
Table 15: Furniture and Fixtures
Page | 64
EXPENSES
MACHINERIES AND EQUIPMENT ₱ 100,000.00
OFFICE EQUIPMENT ₱ 106,850.00
FURNITURE AND FIXTURES ₱ 192,598.00
SUPPLIES ₱ 10,087.00
TOTAL AMOUNT ₱ 409,535.00
Page | 65
GANTT CHART OF ACTIVITIES
Gantt chart is helpful in representing the visual information of the whole
project planning and tracking that shows the timelines and deadlines of all tasks.
It is used by management to determine how work on a project can only begin
after another task has been completed which makes it easy to understand and
interpret.
Page | 66
Table 16: Gantt Chart
GOVERNMENT AGENCIES Requirement Remarks.
Securities Exchange Requirements:

Commission  Application Form
 A Business Name
 Business
Registration
Documents (Article
of Incorporate and
By-Laws, Treasury
Affidavit)
 Minimum paid-up
deposit for capital
 Permit to operate
or license from
other government
agencies.
 Identifying
Business Entities.
(General
Partnership)
Barangay 1. Preparation of
Business
Documents
2. Go to the specific
barangay hall.
3. Pay a Business
Clearance Fee.
4.1 Barangay Business
Permit Clearance
Requirements. (Cedula,
SEC Registered
Business Name,
Barangay Business
Permit Fee)
4.2 Claiming Barangay
Business Permit.
Page | 67
Local Government Units Requirements:

(LGU’s)  Barangay Clearance
 City Government
Business Mayors
Permit
Requirement:
1. Barangay
Clearance
2. Cedula of Gross
Receipt
3. Financial
Statement
4. BIR Clearance
5. SSS Clearance
6. SEC
Registration.
Bureau of Internal 1. Employee
Revenue (BIR) Registration from
BIR.
New employee must
provide their Tax
Identification
Requirements as partial
requirements. (If do not
have yet fill out a BIR Form
1902 and submit the form
to the nearly BIR Office.
TIN Requirements
 Photocopy of Birth
Certificate or any
Valid ID.
 Marriage Certificate
(if married.)
Social Security System. 2. Registration with Republic Act (RA No.
SSS 8282 states that all
 For Newly employee that had been
Employee hired by a private
Requirements: company are required
1. Obtain an SSS to member of SSS.
number. Notes: Employers
 For Existing should fill up the SSS
Form R1A that contains
Page | 68
Employee the list of their new

1. Submit SSS employee with an
number to the attached SSS number.
employee.
Philippine Health 3. Registration with Notes: Employers

Insurance Phil-Health. required to submit the
All Employee are ER2 that containing the
mandate to have a monthly list of the employee and
contribution to Phil-Health must submit this within
as part of the government thirty days from the
health and hospitalization hiring date of the new
subsidies. It would be employee.
deducted based the
employee monthly
compensation. (New
Employee should fill up the
Phil heath Member
Registration Form)
Home Development 4. Registration with Republic Act No. 7835,
Mutual Fund HDMF/ Pag-Ibig. Employers are required
 For Newly to contribute to PAG-
Employee IBIG on behalf of their
Requirements: employees.
1. Accomplished
Member Data Form.
And must
submitted manually
to the PAG-IBIG
branch.
2. Fill out a
membership Saving
Remittance Form
(MSRF) and file
them with monthly
contribution to
your company’s
Other Government General Partnership
Agencies Requirements.
 Article of
Incorporation
Securities &
Page | 69
Exchange
Commission (SEC)
 Barangay Clearance
 Barangay Plate
(Local Barangay)
 Mayor’s Permit
 Sanitary Permit
 Fire and Safety
Permit
 Business Plate
 Commercial
General Liability.
(CGL Insurance)
 Other Permits (City
Hall)
 Certification of
Registration
 Authority to Print
 Plate Stamped
Manual Book of
Account (BIR*)
 Official Receipt or
Invoices. (BIR
Authorized
Printer.)
Table 17: Government Agencies
Page | 70
CHAPTER 6
SOCIO-ECONOMIC ASPECT
Name Nationalit Percentage of Total
y Contribution
Cumbaya, Mark Dave G. Filipino 11.1% P 333,333.33
Dumpang, Angie C. Filipino 11.1% P 333,333.33
Gutlay, Marlon A. Filipino 11.1% P 333,333.33
Laurente, Mark Lawrence R. Filipino 11.1% P 333,333.33
Lorenzo, Mikaela Joyce A. Filipino 11.1% P 333,333.33
Panganiban, Angela Marie Filipino 11.1% P 333,333.33

M.
Rodriguez, Angela Luz M. Filipino 11.1% P 333,333.33
Santos, Erin Dominic A. Filipino 11.1% P 333,333.33
Tulayba, Arlene S. Filipino 11.1% P 333,333.33
Table 18: Socio-Economic Aspects

THE MANAGEMENT
Our lending services include planning, organizing, directing, and controlling
resources as well as coordinating and managing tasks to accomplish an
objective. This business will help less fortunate people to sustain their business.
Page | 71
THE CUSTOMER
The proposed business providing our customer with financing choices, we will
allow them the freedom to make monthly loan payments toward their business
needs.
THE COMMUNITY
Our lending services are committed to providing a friendly environment for our
customers, and as a result, we make it a priority to be available to our clients at
all times and in any place.
THE GOVERNMENT
Our Lending Services will strictly comply with all government websites and laws
and will pay any taxes due. Check the websites of several government
agencies, such as, BIR, SEC, and DTI. It covers things like company license,
permits, and other government regulations.
PROPOSED CORPORATE SOCIAL RESPONSIBILITIES
Our program is applicable to both customers and staff. Our mission is to fulfill
commercial objectives and growth while expanding the company's social impact.
With the help of this tool, we can integrate social and environmental
considerations into business planning and operation
Page | 72
BIBLIOGRAPHY
https://www.bankrate.com/loans/personal-loans/how-to-calculate-loan-interest/?
fbclid=IwAR04snlz1JZm2Zm7A8gpIP1FdYY2YFXHXGYNPyrjgQYWu4ECoen0b
Ixg6xE
https://www.studocu.com/ph/document/our-lady-of-fatima-university/english-
1/486762048-fish-vendors-chptr-1-5-prefinal-doc/37231033?
fbclid=IwAR1Zvdh4_RCIsv-
9YWXz25QkgYujzepduDkFZILTSSBPf8IY24ZXOKujwD4
https://www.businessnewsdaily.com/2665-accounting-formulas.html?
fbclid=IwAR32hWy5T2BhbQ-FUlG_LlU7GLBH3ybYk-
SvuSUolHhIDIm1NlIQaMz1hjk
https://search.dotproperty.com.ph/homes/for-rent-small-commercial-space-
metro-manila?fbclid=IwAR3_rUbauxesPohOdTW33ohOzBpO9O3mqBpFEzO-
U2XqJrb5SpZODybfAd0
https://search.dotproperty.com.ph/homes/for-rent-small-commercial-space-
metro-manila?fbclid=IwAR3_rUbauxesPohOdTW33ohOzBpO9O3mqBpFEzO-
U2XqJrb5SpZODybfAd0
Page | 73
https://home.abenson.com/?
fbclid=IwAR20jn_DtdL7PrvCrjzBVi1XsVroUv5wur1x_K0VcODBCnZpjXTXIK17N
Jg
https://www.jecams.com.ph/office-table-furniture?
fbclid=IwAR08_E1ZO6o9GDJKGszUI_7XziVgCGhsHPo5oF26PfHBV8BJNqQx
Zz96nWI
https://www.adb.org/results/small-loans-help-bring-big-fish-indonesia?
fbclid=IwAR1Zvdh4_RCIsv-
9YWXz25QkgYujzepduDkFZILTSSBPf8IY24ZXOKujwD4
https://morb.bsp.gov.ph/313-agricultural-loans-2/?
fbclid=IwAR3ZcLXFs96qJK92-DtApU-wwA6v8-
qxFVyRFHv9qDNIN4ogGBM7CsP3iWk
https://www.tylercauble.com/blog/calculating-commercial-rent-square-foot
https://www.surveymonkey.com/market-research/resources/market-
segmentation/?
fbclid=IwAR04snlz1JZm2Zm7A8gpIP1FdYY2YFXHXGYNPyrjgQYWu4ECoen0b
Ixg6xE
https://www.smartdraw.com/floor-plan/?
fbclid=IwAR3uFbRrWLL7qVB76Xhr48MJ9b4k4zkWM1kQqomEMrK0rMK_8qI_E
JFB-wc
Page | 74
APPENDIX B
Code of Ethics in Conducting Feasibility Study
The researcher attempted to broaden knowledge Through disciplined

inquiry and/or methodical examination. This feasibility study was conducted with
the expectation that the method, results, and conclusions will be able to
withstand the scrutiny of the relevant research community. Participants are
those individuals whose data, or replies to the researcher's interventions or
questions, are relevant to addressing the study issue and keep it confidential.
We make certain to adhere to the following guidelines when conducting this
feasibility study:
 Objectivity: Researchers try to minimize bias in terms of experimental

planning, data processing, data interpretation, peer review, hiring
decisions, and other research processes.
 Confidentiality: The researchers safeguard sensitive communications,

such as papers or interviews, using survey form grants and personal
data.
 Honesty: Researchers swear to keep detailed records of all data,

findings, operations, and techniques. We never make up false information
or display it incorrectly.
Page | 75
 Human Subject Protection: We limit risks and damages while

increasing benefits when researching human subjects in order to respect
people's privacy and autonomy.
APPENDIX C
Dear Respondents,
We are 4th-year students at Navotas Polytechnic College, taking a

Bachelor of Science in Business Administration with a Major in Financial
Management. We are currently conducting a feasibility study entitled "A
FEASIBILITY STUDY OF LENDING SERVICES IN FISH VENDORS in
MALABON and NAVOTAS Area”, as a requirement of our subject feasibility
study. As a response, we would like you to participate by filling out our
questionnaire, and you can rest assured that the data you entered will be
confidential.
We would be grateful for your help and support in this Feasibility Study
Project.
Thank you very much for your cooperation.
Very truly yours,

Cambaya, Mark Dave G.
Dumpang, Angie C.
Gutlay, Marlon A.
Laurente, Mark Lawrence R.
Page | 76
Lorenzo, Mikaela Joyce A.

Panganiban, Angela Marie M.
Rodriguez, Angela Luz M.
Santos, Erin Dominic A.
Tulayba, Arlene S.
APPENDIX D
Survey Questionnaire
Part I: Demographic Profile
Sex: Male Female
Age: Below 20 years old Education: Primary /

Elementary
21 to 30 years old Secondary / High
School
31 to 40 years old Bachelor Degree
41 years old and PostGraduate
above Degree
Marital Single Employment: Employed

Status
Married Self-Employed
Living Together Unemployed
Others: Student
Part II:
Please put check ( ) in the box that corresponds to your answer by rating the
degree of how important each of the statement.
Page | 77
4 – Highly Important 3 – Important 2 – Not Important 1 – Highly Not

Important
4 3 2 1
1. Speed of Service
(Measurement of the time it
takes for a business to serve
its customers)
2. Low Interest Rate
(When interest rates are low,
borrowing money is less
expensive for customers)
3. Accessibility
(Applying for our lending
services online is convenient
and saves time)
4. Flexibility
(Depending on their needs,
business owners can apply
for either long-term or short-
term loans)
5. Quick Disbursal
(Business loans require
minimal documentation.
Therefore, they can be
disbursed quickly)
Please respond to the following indicators by checking ( ) on the column that

corresponds to your perception on how important the following concerns in the
marketability of house cleaning service business using the given scale below.
The following descriptions are used to properly analyze the data:
Part III:
4 –Strongly Agree 3 – Agree 2 – Disagree 1 – Strongly Disagree
4 3 2 1
1. Do you think that our
quick inquiry answers
adding to your overall level
Page | 78
of satisfaction?
2. As a first-time customer,
did our lending services
offer encourage you to avail
it?
3. During your recent
experience with our
business. Do you think that
the quality of customer
service is good?
4. Do you think that our staff
are responsive to your
questions or concerns about
our business?
5. Do you think that our
lending services will be
convenient and easy using
online platforms?
Part IV:
Kindly Check (
 ) your best choice for each questions based on your opinion
and preference.
3.1 If our lending services establish, are you willing to avail the services that we
offer?
YES
NO
3.2 Do you agree that there will be additional percent of interest if you fail to pay
on time?
YES
NO
3.3 Are you familiar with the lending business?
YES
NO
Page | 79
3.4 Is it good to borrow money from the lending business instead of people who
lend money personally that have a high interest?
YES
NO
3.5 Would you recommend our lending business to other who wants to start
their fish business?
YES
NO
Part V:
Kindly Check (
and preference.
 ) your best choice for each questions based on your opinion
2.1 How long did your business operate?

0 – 1 year
1 – 5 years
5 years – more than
2.2 Everyday income
1,000 to 5,000
5,000 to 10,000
More than 10,000
2.3 How much capital you need to operate your business?
5,000 to 10,000
10,000 to 15,000
More than 15,000
2,4 Where exactly did you first find out about our business?
Social Media
Relatives
Page | 80
Others
2.5 Which of the best describe the primary purpose of visit
Starting of the business
Lack of capital
Others
APPENDIX E
Tabulation of the Survey Result & Summary of Survey Result
Part I: Demographic Profile
Table 1
Age Frequency Percentage %
20 years Old below 3 3%
21 - 30 years old 29 29%
31 - 40 years old and above 25 25%
41 years old and above 43 43%

Total 100 100%
Table 1
3%
20 yrs old below
29% 21-30 yrs old
43% 30-40 yrs old
41 yrs old above
25%
Page | 81
Table 1 shows the age of the respondents of the fish vendors. Among the
100 respondents, 3 of the respondents answer 20 years old and below with a
percentage of 3%. Next is the age of 21–30 years old got a frequency of 29 with
a percentage of 20%. Third is out of 100, there are 25 of them answer 31-40
years old with a 25%.Last is the 41 years old and above got the major frequency
which is 43 with a percentage of 43%
Table 2
Gender Frequency Percentage %
Male 39 39%
Female 61 61%
Total 100 100%
GENDER
Male
39% Female
61%
Second Table shows the Gender of the respondents. Male got a
frequency of 39 with a percentage of 39%. And last, the majority of the
respondents out of 100, the female got a frequency of 61 and 61%.
Page | 82
Table 3
Civil Status Frequency Percentage%

Single 27 27%
Married 56 56%
Living Together 14 14%
Other 3 3%
Total 100 100%
CIVIL STATUS
3%
Single
14% 27% married
living together
others
56%
Above is the table 3 that shows the civil status of the respondents. There
are 27 respondents that said they are single with a percentage of 27%. Married
got a frequency of 56 and 56% percentage. Living together has a frequency of
14 and a percentage od 14%. Meanwhile, there’s 1 answered others with a
percentage of 1%.
Page | 83
Table 4
Employment Status Frequency Percentage%
Employed 7 7%
Unemployed 66 66%
Self-employed 25 25%
Student 2 2%
Total 100 100%
EMPLOYMENT STATUS
2%
7%
employed
25% unemployed
self employed
student
66%
In the table above, it shows the employment status of the fish vendors.
Employed got a frequency of a 7 and percentage of 7%. Second is the
unemployed have the highest respond with a 66 with a percentage of 66%. 25 of
the respondents answers self-employed with a percentage of 25%. Last, out of
100 respondents, 2 answered student with percentage of 2%.
Table 5
Page | 84
Education Frequency Percentage%

Primary / Elementary 21 21%
Secondary/High School 61 61%
Bachelor Degree 18 18%
Post Graduate Degree 0 0
Total 100 100%
EDUCATION
18% 21% Primary/elementary

Secondary/highschool
bachelor degree
post graduate degree
61%
Table 5 shows the Education of the respondents. Primary/elementary got
a frequency of 21 out of 100 and with a percentage of 21%. Secondary/high
school got the highest frequency among the four which is 61 with a percentage
of 61%. 18 respondents answered bachelor degree with a percentage of 18%.
And last, there are no respondents that are post graduate degree meaning there
is 0%.
Part II:
Page | 85
Table 6
Speed Of Service (Measurement of the time it takes for a business to a serve
its customer)
Choices Frequency Percentage%
4(Highly Important) 86 86%
3(Important) 14 14%
2(Not Important) 0 0
1(Highly Not
0 0
Important)
Total 100 100%
Speed of service
14%
4
3
2
1
86%
Table 6 shows the Speed of service (Measurement of the time it takes for
a business to a serve its customer). There are four choices above that
respondents can answer. Out of 100 fish vendors, 86 choose 4(highly important)
with a percentage of 86%. 14 respondents choose 3(important) with a 14%. And
no one choose 2(not important) and 1(highly not important) which is 0%.
Table 7
Page | 86
Low Interest Rate (When Interest are low, borrowing money is less expensive
for customer)
3(Important) 19 19%
2(Not Important) 9 9%
1(Highly Not
0 0
Important)
Total 100 100%
Low Interest Rate
9%
4
3
19%
2
1
72%
Table 7 shows the Low Interest Rate (When Interest are low, borrowing
money is less expensive for customer). Among the choices, the 4(highly
important) got the highest choice with 72 frequency and 72%. The 3(important)
got 19 frequency and a percentage of 19%. Out of 100, the 2(not important) got
a 9 frequency with a 9%. 0 choose the 1(highly not important) which is 0%.
Table 8
Accessibility (Applying for our lending services online is convenient and saves
Page | 87
time.)
3(Important) 24 24%
1(Highly Not
0 0
Important)
Total 100 100%
Accessibility
2%
24% 4
3
2
1
74%
The table above shows the Accessibility (Applying for our lending
services online is convenient and saves time). 74 fish vendors choose the
4(highly important) with a percentage of 74%. In 3(important), 24 fish vendors
choose that, with a percentage of 24%. 2 fish vendors choose the 2(not
important) with a percentage 2%. Out of 100, no one choose the 1(highly not
important) which is 0%.
Table 9
Page | 88
Flexibility (Depending on their needs, business owners can apply for either
long-term or short-term loans.)
3(Important) 23 23%
1(Highly Not
0 0
Important)
Total 100 100%
Flexibility
2%
4
23% 3
2
1
75%
Table 9 shows the Flexibility (Depending on their needs, business owners
can apply for either long-term or short-term loans.) Out of 100, 75 fish vendors
choose the 4(highly important) with a 75%. In the choices, 3(important) got a
frequency of 23, with a percentage of 23%. 2 fish vendors choose the 2(not
important) with a 2%. Last, no one chose the 1(highly not important) so there is
0%.
Table 10
Quick Disbursal (Business loans require minimal documentation. Therefore,
Page | 89
they can be disbursed quickly).

3(Important) 24 24%
1(Highly Not
2 2%
Important)
Total 100 100%
Quick Disbursal
2%
3% 4
3
24% 2
1
71%
The table above shows the Quick Disbursal (Business loans require
minimal documentation. Therefore, they can be disbursed quickly.) Out of 100,
71 respondents choose the 1(highly important) with a percentage of 71%. 24
respondents choose the 2(important) with a percentage of 24%. Third is 3(not
important), with a frequency of 3 and a percentage of 3%. Last is 1(highly not
important) with a 2 frequency and 2%.
Part III:
Page | 90
Table 11
Do you think that our quick inquiry answers adding to your overall level of
satisfaction?
4(Strongly Agree) 87 87%
3(Agree) 12 12%
2(Disagree) 1 1%
1(Strongly Disagree) 0 0
Total 100 100%
Table 11
1%
12% 4
3
2
1
87%
Table 11 shows the “Do you think that our quick inquiry answers adding
to your overall level of satisfaction?” Majority of the respondents picked the
4(Strong Agree) with a frequency of 87 and percentage of 87%. Second is
3(Agree) with a frequency of 12 and percentage of 12%. Third, only 1 fish
vendor choose the 2(disagree) with a percentage of 1%. No one choose the
1(Strongly Disagree) with 0%
Table 12
Page | 91
As a first-time customer, did our lending services offer encourage you to avail
it?

3(Agree) 14 14%
2(Disagree) 2 2%
1(Strongly
0 0
Disagree)
Total 100 100%
Table 12
2%
14%
4
3
2
1
84%
Table 12 shows “As a first-time customer, did our lending services offer
encourage you to avail it?”. Out of 100 fish vendors, majority of them choose
4(Strongly agree) with a frequency of 84 and a percentage of 84%. Second is
3(agree) with 14 responds with 14%. Next is 2(disagree) got 2 responds with
2%. And no one choose 1(strongly disagree) with 0%.
Table 13
Page | 92
During your recent experience with our business. Do you think that the quality
of customer service is good?

3(Agree) 17 17%
2(Disagree) 4 4%
1(Strongly
0 0
Disagree)
Total 100 100
Table 13
4%
17% 4
3
2
1
79%
Table 13 shows the question “During your recent experience with our
business. Do you think that the quality of customer service is good?”. Majority of
the respondents, 79 out of 100 responds to 4(strongly agree) with the
percentage of 79%. In 3(agree) the frequency is 17, with percentage of 17%.
And the last 4 respondents choose the 2(disagree) with the percentage of 4%.
And no one choose 1(strongly disagree) with 0%.
Table 14
Page | 93
Do you think that our staff are responsive to your questions or concerns about
our business?

3(Agree) 20 20%
2(Disagree) 1 1%
1(Strongly
0 0
Disagree)
Total 100 100%
Table 14
1%
20% 4
3
2
1
79%
Table 14 shows the question “Do you think that our staff are responsive
to your questions or concerns about our business?”. Out of 100 fish vendors, 79
of them choose 4(strongly agree) with a percentage of 79%. Next, 20 of them
choose 3(agree) with percentage of 20%, and 1 responds o 2(disagree) with
1%. And no one choose 1(strongly disagree) with 0%.
Table 15
Page | 94
Do you think that our lending services will be convenient and easy using
online platforms?

3(Agree) 14 14%
2(Disagree) 1 1%
1(Strongly
0 0
Disagree)
Total 100 100%
Table 15
1%
14%
4
3
2
1
85%
Table 5 shows the question “Do you think that our lending services will be
convenient and easy using online platforms?”. Among the four choices,
4(strongly agree) got the majority answers, with the frequency of 85 and with the
percentage of 85%. With 3(agree), there are 14 respondents with a percentage
of 14%, and 1 choose the 2(disagree) with 1%. No one choose 1(strongly
disagree) with 0%.
Part IV:
Page | 95
Table 16
If our lending services establish, are you willing to avail the services that we
offer?
Yes 99 99%
No 1 1%
Total 100 100%
Table 16
1%
Yes
No
99%
This table 16 shows a 99% percent out of 99 respondents answered Yes
in our question regarding If our lending services establish, are you willing to
avail the services that we offer. And 1% percent out of 1 respondent answered
No.
Table 17
Do you agree that there will be additional percent of interest if you fail to pay
on time?
Yes 88 88%
No 12 12%
Total 100 100%
Page | 96
Table 17
4%
Yes
No
96%
Table 17 Shows a 88 respondents answered Yes that are equivalent to 96%
and 12 of our respondents answered No that are equivalent to 4% regarding to
our question about Do you agree that there will be additional percent of interest
if you fail to pay on time.
Table 18
Are you familiar with the lending business?

Yes 95 95%
No 5 5%
Total 100 100%
Page | 97
Table 18
5%
Yes
No
95%
The table 18 shows the higher percent which is 95% out of 95 respondent that
answered Yes and 5% out of 5 respondents answered No in the question about
are you familiar with the lending business.
Table 19
Is it good to borrow money from the lending business instead of people who
lend money personally that have a high interest?

Yes 86 86%
No 14 14%
Total 100 100%
Page | 98
Table 19
14%
Yes
No
86%
Above this table 19 shows that there are 86% out 86 respondent they answered
Yes and 14% out of respondents answered No regarding to our survey question
about is it good to borrow money from the lending business instead of people
who lend money personally that have a high interest.
Table 20
Would you recommend our lending business to other who wants to start their
fish business?

Yes 93 93%
No 7 7%
Total 100 100%
Page | 99
Table 20
7%
Yes
No
93%
This table shows the survey question about would you recommend our lending
business to other who wants to start their fish business. Our respondents have
different answered and one of it have a higher percent which is 93% of our
respondent that they answered Yes and some of our respondents answered No
which is have a lowest percent of 7%.
Part V:
Table 21
How long did your business operate?

0 – 1 year 27 27%
1 – 5 year 29 29%
5 to more than
44 44%
years
Total 100 100%
Page | 100
Table 21
27% 0 - 1 year
1 - 5 years
44% 5 to more than
29%
This table show the percentage of each choices that we have in this survey
question about how long did your business operate. As you can see we have a
higher percent which 44% that are respondents answered that their business is
more than 5 year. And 27% of our respondents answered that their business is
range 1-5 years. While the lowest percent which is 29% our respondent
answered that their business is not longer or it can range to 0-1 years.
Table 22
Everyday income

1,000 to 5,000 50 50%
5,000 to 10,000 30 30%
More than 10,000 20 20%
Total 100 100%
Page | 101
Table 22
20%
1,000 to 5,000
5,000 to 10,000
more than 10,000
50%
30%
The table 22 shows the everyday income of our respondents. Where in 50% of
our respondents answered that their everyday income range to 1,000 to 5,000.
And 30% of our respondent answered 5,000 to 10,000 and 20% of answered
more than 10,000.
Table 23
How much capital you need to operate your business?

5,000 to 10,000 59 59%
10,000 to 15,000 30 30%
More than 15,000 11 11%
Total 100 100%
Page | 102
Table 23
11%
5,000 to 10, 000
10,000 to 15,000
more than 15,000
30%
59%
The Table 23 shows on how much capital does a business owner need to
operate their business. 59% of our repondents answered that the capital need is
range to 5,000 to 10,000 and 30% of our respondents also answered that their
capital needed is range to 10,000 to 15,000 while the 11% is range for more
than 15,000
Table 24
Where exactly did you first find out about our business?

Social Media 29 29%
Relatives 39 39%
Others 32 32%
Total 100 100%
Page | 103
Table 24
32% 29% Social

Relatives
Others
39%
This table 24 shows the higher percentage which is 39% of our respondent
answered relative and 32% answered others while 29% answered social media
this percentage are related to our survey question regarding where exactly did
they first find out about our business.
Table 25
Which of the best describe the primary purpose of visit

Starting of the
17 17%
business
Lack of capital 32 32%
Others 51 51%
Total 100 100%
Page | 104
Table 25
17%
Starting business
Slack of Capital
Others
51%
32%
Above this Table 25 shows on which of the best primary purpose of their visit
and it represent the 51% of our respondent that they answered it was others.
And 32% of our respondent answered it was because of their lack of capital.
While 17% answered it was because of starting of the business.
Table 26
How long will I have to pay it back?

1 – 2 weeks 74 74%
2 – 3 weeks 23 23%
others 3 3%
Total 100 100%
Page | 105
Table 26
3%
23% 1 - 2 weeks
2 - 3 weeks
Others
74%
Table 26 shows a 74% of our respondents answered 1-2 weeks and 23% 2-3
weeks and 3% answered others they range it from our survey question
regarding how long will they pay it back if they avail our lending services.
Table 27
How does your business Primarily funds its operations

Retained business
45 45%
earnings
Personal funds of
39 39%
Owner(s)
Others 16 16%
Total 100 100%
Page | 106
Table 27
16%
Retained business earnings
Personal funds of Owner(s)
45% Others
39%
The table 27 shows on how does the business primarily funds its operation and
45% of our respondents answered used it for retained business earnings and
39% answered as personal funds. While 16% of our respondents answered
others.
Table 28
Was any of the following used as a guarantee or as collateral to secure this
debt?

Personal assets or
16 16%
gurantee
Business assets 43 43%
Others 41 41%
Total 100 100%
Page | 107
Table 28
16%
Personal assets of guarantee
Business assets
41%
Others
43%
Above this table 28 it shows the guaranteeor the collateral to secure their debt.
And 43% of our respondents answered their business assets and 41%
answered Others and the rest of 16% answered for personal assets or
guarantee overall 100%.
Table 29
At the end of 2022, was your business operating at a profit, break even or at
loss

At a profit 34 34%
At break-even 54 54%
others 12 12%
Total 100 100%
Page | 108
Table 29
12%
At a profit
34%
At break-even
Others
54%
Above this table 29 shows that at the end of 2022, was their business operating
can be a profit, break even or at Loss and 54% of our respondents answered
that their business at the end of 2022 was at break even. And 34% of their
business at a profit while 12% of our respondents answered others.
Page | 109
CAMBAYA, MARK DAVE G.
215 Adelfa Street Tanza 1 Navotas City
09364596408
hellomarkdave@gmail.com
PERSONAL INFORMATION
AGE: 22 years old
GENDER: Male
BIRTHDAY: October 11, 2000
BIRTHPLACE: Manila
CIVIL STATUS: Single
RELIGION: Christian
TRAINING AND WORKING EXPERIENCE
Work Immersion Trainee – Community Urban Poor Affair Office (Malabon City
Hall)
December 2017- January 2018
School of Leaders 1-3 (Doulos for Christ World Harvest Ministry) 2019 - 2020
Work Experience
Jollibee Food Corp. (Service Crew) Binondo Manila September 2018 –
November 2018
Samgyup sa Noah (Service Crew) Tanza Navotas. November 3 - Present
Page | 110
EDUCATIONAL ATTAINMENT

BSBA Major in Financial Management
2018 – present
Our Mother of Perpetual Help College of Manila

Computer Literacy / Vocational
September 2017
Malabon National High School Senior Highschool

Accountancy Business and Management (ABM)
2017-2018
Kaunlaran High School

Accountancy Business Management (ABM)
2016-2017
Tanza National High School

Secondary Education
2013-2017
Tanza Elementary School

Primary Education
2007-2013
I, hereby certify that the information provided in this form is true and
correct to the best of my knowledge.
Page | 111
DUMPANG, ANGIE
Sampaguita St. Tanza 2
Navotas City
09982961324
adumpang07@gmail.com
PERSONAL INFORMATION:
AGE: 22
GENDER: Female
BIRTHDAY: Nov 07,2000
BIRTHPLACE: Malabon city
REGLIGION: Catholic
TRAINING AND WORKING EXPERIENCE:
Cashier
Pure Gold Navotas – 9/2022 – 11/2022
Statistical Reseacher
Philippine Statistic Authority (NCR IV) – 01/2022 – 02/2022
Page | 112
Statistical Reseacher
Philippine Statistic Authority (NCR IV) – 07/2021 – 08/2021

2019 – PRESENT
San Jose Academy

General Academic Strand (GAS)
2017-2019
Tanza National High School

2013 – 2017
Malabon Elementary School

2007-2013
Page | 113
GUTLAY, MARLON A.
223 100 Int St., BBSNavotas City
09568661902
lonzogutlay00@gmail.com
AGE: 23 years old
GENDER: Male
BIRTHDAY: November 25, 1999
BIRTHPLACE: Sorsogon City
RELIGION: Roman Catholic
SERVICE STAFF
MAY 27,2019 - FEBRUARY 15, 2020
Page | 114

2019 – PRESENT
Arellano University - Elisa Esguerra Campus

2017-2019
NavotasNational High School

Secondary Education
2013 - 2017
San Antonio Elementary School

Primary Education
2007-2013
Page | 115
LAURENTE, MARK LAWRENCE R.
Blk 11 Lot 6 Davila St. Navotas WestNavotas

City
09982346580
marklawrencelaurente39@gmail.com
AGE: 22 years old
GENDER: Male
BIRTHDAY: September 25, 2000
BIRTHPLACE: Navotas City

NavotaasHanapbuhay Center
(Youth Entrepreneurship Summit, Navotas City)
Work Immersion Program
(Eton Global Institute Center Cultural & Hospitality Management, Manila City
Philippines)
COOL Program of the City Government of Navotas
(Computer Skills Training on BASIC MICROSOFT WORD, EXCEL and POWER
POINT OPERATION, Navotas City)
Page | 116

2019 - present
San Jose Academy

Senior High School 2019
Navotas National High School

2017
Bagumbayan Elementary School

2013
Page | 117
PANGANIBAN, ANGELA MARIE M.
82 Quintos St. San Jose, Navotas City
+639385740233/+639913005882
panganibanangela2000@gmail.com
AGE: 22 years old
GENDER: Female
BIRTHDAY: July 29,2000
BIRTHPLACE: Fabella Hospital

Arellano University (Malabon)
Computerized Bookkeeping (2017)
Hanbi ICT
Basic IT Course (2018)
NavotasHanapbuhay Center
Youth Entrepreneurship Summit (2019)
Page | 118
Digital Marketing. (2019)

2018 - present
Arellano University (Malabon).

2016 - 2018

2012– 2016
Navotas Elementary School

2006 – 2012
Page | 119
RODRIGUEZ, ANGELA LUZ M.
448 Fatima St, Bagumbayan South Navotas City
639282869487
rodriguezangelaluz18@gmail.com
AGE: 21 years old
GENDER: Female
BIRTHDAY: March 30, 2001
BIRTHPLACE: Makati City
Work Immersion - Top Serve Company, Makati City

March 2019

2019 - present
Page | 120
Arellano University – Jose Rizal Campus

2017 – 2019

2013– 2017
Bangkulasi Elementary School

2007 – 2013
Page | 121
SANTOS, ERIN DOMINIC A.
615 M. Naval St., BBS Navotas City
09772022582
erinsantos1012@gmail.com
AGE: 22 years old
GENDER: Female
BIRTHDAY: October 12, 2000
BIRTHPLACE: Tondo, Manila
ETON Global Institute (Makati, Metro Manila)

September 24,2018 – October 3, 2018
Sunrise Health Check Diagnostic Center (Marulas, Valenzuela)

July 26, 2021 – July 30, 2021
KNR Printing Services, KNR Packaging Services

June 2019 – Present
Page | 122

2019 - present
San Jose Academy

2017 - 2019
San Jose Academy

Secondary Education
2013 - 2017
La Athena de Navotas Academy

Primary Education
2010 – 2013
Navotas Elementary School

Primary Education
2006 – 2010
Page | 123
TULAYBA, ARLENE S.
Blk 32 Lot 13 Phase 1A Banak St. NBBS
Kaunlaran Navotas City
09567132818
arlenetulayba26@gmail.com
AGE: 22 years old
GENDER: Female
BIRTHDAY: September 26, 2000
BIRTHPLACE: Tondo, Manila
Work Immersion
Navotas Polytechnic College Registrar (Navotas, Metro Manila)
March 2019

2019 - present
Page | 124

2017 - 2019

2013 - 2017
Kapitbahayan Elementary School

2007 – 2013
Page | 125

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NAVOTAS POLYTECHNIC COLLEGE

Bangus St., Barangay NBBS, Navotas City

"A FEASIBILITY STUDY OF LENDING SERVICES IN FISH VENDORS in

MALABON and NAVOTAS Area"

Presented to the Faculty of Navotas Polytechnic College

Bangus St. Phase 1, Brgy. NBBS-Kaunlaran, Navotas City

Of the Requirements for the

Degree of Bachelor Science in Business Administration

Major in Financial Management

Cambaya, Mark Dave G.

Laurente, Mark Lawrence R.

Lorenzo, Mikaela Joyce A.

Panganiban, Angela Marie M.

Rodriguez, Angela Luz M.

Santos, Erin Dominic A.

DATE: FEB 2023

Certification for English Proficiency and

We hereby certified that, the feasibility study entitled: “A Feasibility

See attached Originality Report generated from a well-known plagiarism

External English and Plagiarism Editor

College of Business and Administration

Certification for Consulting and Revising the Financial Aspect of Lending

We hereby certify that, the feasibility studies entitled: “A Feasibility

study of Lending Servicesin Fish Vendors in Malabon and Navotas Area”

of Lending Servicesin Fish Vendors in Malabon and Navotas Area)

prepared and submitted by Lending Services, in partial fulfillment of the

requirements for the subject of Feasibility Study under Bachelor of Science in

Business Administration, Major in Marketing Management, has been examined

and is recommended for acceptance for ORAL EXAMINATION.

Approved in partial fulfillment of the requirements for the subject of Feasibility

Study under Bachelor of Science in Business Administration, Major in Marketing

Management by the Evaluation Committee with the rating of ___________.

Feasibility Study under Bachelor if Science in Business Administration major in

Marketing Management on February__, 2022.

Academic Affairs Coordinator

Title page…………………………………………………………i & ii

Table of Contents……………………………………………………………….... vii

List of Tables……………………………………………………………………… xiii

List of Figures……………………………………………………………………... xiv

Highlights of the Study Project Summary:

Summary related to Management Aspect………………………………….. xvi

Summary related to Marketing Aspect……………………………………… xvii

Summary related to Financial Aspect………………………………………. xviii

Summary related to Technical Aspect……………………………………… xviii

Summary related to Socio-Economic, & Legal Aspect…………………… xix

Conclusions & Recommendation…………………………………………… xx

History of the Project ……………………………………………… 4-5

Business / Trade Name …………………………………………… 5

Type of Business Ownership …………………………………….. 5-6

Business Locations ……………………………………………….. 6

Target Market ……………………………………………………… 7

CHAPTER II: Organization and Management Aspect

Type of Business Organization …………………………………… ?

Organizational Structure …………………………………………... 8

Job Analysis (Description and Specification) …………………… 9 -15

Training and Development ……………………………………….. 20

Time Frame …………………………………………………………… 23

Expected Output ……………………………………………………… 23

Performance Appraisal …………………………………………. 24 - 25

Pay and Benefits …………………………………………………….. 25

Labor Relations ……………………………………………………… 28-31

Organizational/Management Policies ………………………………. 32-33

c.1 Historical Demand & Supply Schedule

c.2 Projected Demand & Supply Schedule

players in the product’s battlefield. Identify their Product Name &

Strengths & Weaknesses

1. Summary of Significant Accounting Policies & Assumptions …. 49