I.

Overview
The following information was gathered in the office-based needs assessments was
conducted in CreditAcess Phil. Financing Company Inc., Don Carlos Sur area during
March 21, 2023. The purpose of the data collection is to examine the connection
between the loan's stated goal and the structure of the loan contract agreement from a
lending company. The following issues were the key concerns of the needs
assessment:
 protocols for negotiations
 Negotiation strategy
 maintain and ensure the contract’s accuracy
 deal with the client’s requests during the negotiation

II. Method
The method used to collect data is through interview.

III. Participation
Of the interview of CreditAcess Phil. Financing Company Inc. to know the benefits of
contract between lenders and owners, three respondents actively participate the said
activity and confidently answer all the queries. The three respondents are the employee
of CreditAcess Phil. Financing Company Inc. our main respondent is working as a
Senior Account Officer, the other one is also a Senior Account Officer the one and the
third respondent is a Sales Officer.

IV. Strength and limitations

A strength of this needs assessment includes the office workers active participation in
the interview process. They were well-prepared and shown that they were interested in
our interview. An additional strength exists during the interview where our respondents
were not particularly picky about the setting. They are more likely to concentrate despite
of the barriers outside the office. Furthermore, they provide thoughtful, more intelligible,
and straightforward answers to the topics that we ask. With their thoughtful responses
to our questions, the respondents provide us future office professionals with a message
and some essential lessons. Therefore, the fact that we were able to pick up some
suggestions from our interviewee is quite helpful to us.
Limitations of these activity include the interview deferral due to some personal reason
of our interviewee.
V. Key findings
The following are the major findings from the data collection conducted:
 Business is a must to be qualified as a loaner
 Prior to entering into a loan, it is crucial to have information about the business
transaction.
 It’s imperative to adhere to rules and regulations to prevent mistakes.
 Renters who lived as tenants over the previous three years could also qualify as
a loaner.
 The company’s policies are subject to change, therefore an officer must be
aware of any modifications in order to inform clients of them.

VI. Recommendations
As a result of this needs assessment, A financial services provider called OnePuhunan
targets low-income people and small enterprises that aren't catered to by conventional
banking institutions with its financial services. It recommends to don't make any
assumptions, it's crucial. To make sure you are both on the same page, you should
always request clarification from the other person in order to have precise and peaceful
negotiation.
VII. Appendices
Questions: Interviewee’s Response
Can you share details about your position? R1:Being a sales officer, I deal with clients
and am also responsible for marketing,
processing, and collection. These describe
a sales officers natures.
R2: My position here in One Puhonan is
Senior account officer I handle people
belongs to me and also I handle different
task not just only related to my position like
if my manager ask me to do something
then I will do it.
R3: Sir Gerven Zambrano is a Senior
account officer. A senior account officer
will tell his subordinate or an account
officer to make a contract.

Can you tell us about the protocols for R1: The first condition for a client to qualify
negotiating the terms of a contract?
as a loaner is that they have a business, a
valid ID for the comaker, a valid ID for the
client/borrower, a business, a house, and
electricity images. In order to verify that
the customer actually lives there and is the
owner of the property, we need to see a
picture of the client's electricity bill and a
picture of the client's house. We must
confirm that the client actually owns the
property because there are some clients
who claim to be from the area but are not.
Renters may also be eligible, but we only
consider them eligible if they have lived
there for at least three years.
R2: One Puhonan is a business loan so
we don't accept client without any
business, our first requirement is business.
Once an individual have a business he/she

How do you approach negotiation?
may qualified to be our client and One
Puhonan can issue a money to him/her
and also if there are any other
requirements needed by One Puhonan
he/she may provide later during C.I , if an
individual meet that requirements he/she
may become our official client.
R3: The client must follow the given terms
and conditions or protocols given by the
business company in order to have precise
and peaceful contract. Example, if you are
a loaner in One puhonan you must pay
your liabilities every two weeks up to
release
R1: Explain sir, Before I grant a client a
loan, I must explain everything. They must
understand some information about the
business and their financing, which is
crucial. In addition, we have a
responsibility to approach clients with
humility and avoid using abusive language
R2: We market our business only to those
people who have a business, if an ask the
way how One Puhonan works we are here
to explain everything so that he/she may
understand how it works. Then the thing
we do when we market is to persuade
people by telling our advantages, First is
every 2 weeks One Puhonan issue a
money to the client, this is the first thing
we let them know to at least convince
them if they want to issue a money from
One Puhonan.
R3:According to Sir Gerven, handling a
negotiation requires humbleness and
patience, and you must explain briefly the
terms and conditions for a better
negotiation
How do you maintain and ensure the R1: Follow the company rules sir, I have to
accuracy of the contract?
abide by the rules and regulations set forth
by the company. In order to maintain the
correctness of the contact, I also explain
the rules and regulations to the client at
the same time. This is because there have
been times when the company's policies
have changed, such as when there has
been an addition.
R2: During C.I we received a form from
client but before we process the form we
double check the form to ensure the
information we get is correct, then during
the release of the money the client know
their responsibilities and obligations as a
loaner because they attend an orientation
before everything happens and they
signed a contract.
R3: In One puhonan, before you loan, the
account officer will explain what is the
mode of payment, the system of contract,
not everyday the company collects
payment but every 2 weeks. Once you are
a loaner in one puhonan you must know
your mode of payment to ensure accuracy
of contract.

What would you do if a client made a R1: No sir, considering that we strictly
request during negotiations that you did adhere to corporate policy, it is not
not have the authorization to approve? possible, sir. Due process exists in this
company, so it's vital to follow the
procedure first and inform the client.
R2: If I cannot approve the request of a
client what do I do is to ask an authority to
my heads or I call the manager before I
approve the request of the client. This is
what I do most of the time before I perform
my duties I do ask an approval or
permission to my manager.
R3: Sir Gerven cannot grant any request
without an authorization from higher
positions. Because, any misleading action
will result them at fault
Activity 1.
Peer Critique
After making your needs assessment report, exchange it with the other group, and
critique it using the table. Just check off the box next to each statement. You can also
write brief comments to help improve the report.
YES NO COMMENTS
1. The purpose of the needs
assessment is described in the
overview.
2. Specific issues are stated in the
overview.
3. The methods presented are
organized well.
4. All the primary participants are
properly described.
5. The strengths and limitations of the
process are well-described and
comprehensive.
6. All the key findings are covered and
accurate.
7. The needs assessment has
recommendations and implications.
8. The overall content of the report is
comprehensive and accurate.
9. The overall report is organized and
easy to follow.
10. Paragraphs are well-built and
transitions are clear.