Proposal on the establisment of

MALAYA
PAWNSHOP
 PART I. INTRODUCTION

A. Company Profile
B. Organizational Structure, Management and Governance
C. Company Goals and Objectives
D. Mission and Vision
E. Company Logo
F. Company Tag Line
G. Target Market
H. Products and Services Offered with appropriate
presentation and discussion of each Terms and
Conditions
I. Marketing Strategies to persuade potential
clients/borrowers
 COMPANY PROFILE

•Established in 2011, Malaya Pawnshop is a dynamic,

multi-industry company that owns and operates
business dealing with financial services and a non-
bank financial service provider in the Philippines.
 ORGANIZATIONAL STRUCTURE

BOARD OF
DIRECTORS

Joylyn C. Kimberly Anne Shaine Mae George Ramallosa,

Flores L. Ronario M. Mayo Peñaflorida Myra P.

COO CFO CEO General Manager Financial Director

 MANAGEMENT AND GOVERNANCE

In its early years of existence Malaya Pawnshop Company served as a money lending
company in exchange of personal property which is within the scope and limitation of
Presidential Decree No. 114 also known as “PAWNSHOP REGULATIONS ACT”. The
following is a list of behaviors that Malaya Pawnshop considers unacceptable. 
 
List of Behaviors
 
1.  Failure to be at the work place, ready to work, at the regular starting time.
2. Willfully damaging, destroying or stealing property that belongs to fellow employees or
Malaya Pawnshop Company.
3. Fighting or engaging in horseplay or disorderly conduct.
4. Refusing or failing to carry out any instructions of a supervisor.
5. Leaving your work station (except for reasonable personal needs) without permission
from your manager or supervisor.
6. Ignoring work duties or loafing off during working hours.
7. Coming to work under the influence of alcohol or any drug or even bringing alcoholic
beverages or drugs into company property.
 COMPANY GOALS

• Providing excellent financial services

• To remain true to our commitment that our customers’
pledged possessions are secure
• To share our associates and provide them opportunities
for career growth in an environment built on openness,
trust and integrity
• To provide our customers with the best products possible
without compromising sustainability and profitability.
 COMPANY OBJECTIVES

• To provide fast and good quality services better than

those of our competitors
• Guarantee our customers the greatest customer
experience
• Promoting culture of honesty, fair play and
compassion in all our corporate transactions
• Take care our associates and treat them as a family
 MISSION AND VISION
Vision
– To provide financial solutions that may help ordinary people meet their
needs and pursue their dreams through excellent and fast financial
services.
 

Mission
– We provide the superior quality products and services that will
improve the lives of our clients, our people and surrounding
communities and build long-lasting relationship with our customers by
being responsive to their changing needs and exceeding their
expectations.
LOGO AND TAG LINE

“For your total money needs”

 TARGET MARKET

 Local community- People who live and work near the

pawnshop.

 Social Media Ads- Pawnshops can create their social

media ads based on likes, interest, and searches of

customers. This is perfect for pawnshops with niche

products such as antiques and collector items.

 PRODUCTS AND SERVICES

• Pawning
• Money Transfer - Malaya Express Padala
• Money Changer
• Bills Payment - Malaya Express Pay
 MARKETING STRATEGIES
 PREVILEGES CARD
o Malaya Loyalty Card create the incentive to spend, and are a great way to
keep customers engaged and returning to shop. Customers reward for on
time payments, redemptions, and purchases. They can use Loyalty Card to
earned points to purchase items to our shop, ensuring that they’ll return again
and again. 

 ADVERTISING
o Print Advertising: Newspaper, magazines, & brochure advertisements, etc.
o Broadcast Advertising: Television and radio advertisements.
o Outdoor Advertising: Hoardings, banners, flags, etc.
o Digital Advertising: Advertisements displayed over the internet and digital
devices.
PART II. BODY OF THE PROPOSAL

A. Capital Requirements
B. Regulation on Operation
C. Regulation on the 5 C’s
(Provide provisions in each C’s)
D. Regulation on Collection and Process
E. Regulation on Interest and Penalties
CAPITAL REQUIREMENT

The capital of Malaya

Pawnshop is ₱100,000 which is
equivalent to the required
minimum capital requirements
of Pawnshops in the
Philippines. Its capital is a
combination of cash and
tangible properties.
 REGULATION ON OPERATION

Malaya Pawnshop operates within the framework and

limitations of P.D. No. 114 known as the Pawnshop
Regulation Act, and the following regulations, subject
to the regulatory and supervisory powers of the Bangko
Sentral ng Pilipinas (BSP).

Scope of Authority of Pawnshops.

Form of Organization.
Business Days and Hours.
REGULATION ON 5C’S
 REGULATION ON COLLECTION
AND PROCESS
• If an item is pawned for a loan, within a certain
contractual period of time the pawner may redeem it
for the amount of the loan plus some agreed-upon
amount for interest.
• If the loan is not paid (or extended, if applicable) within
the time period, the pawned item will be offered for
sale to other customers by the Malaya Pawnshop.
 REGULATION ON INTEREST

Malaya Pawnshop assures security for pawned items.

Advance interest will be charged Php4 for every Php100
loan amount. To maintain the excellent standard of
service offered by Malaya Pawnshop, clients will be
charged additional one percent (1%) of the principal
loan, but not exceeding five pesos (Php5). No other
hidden charges will be deducted from the loan.
 REGULATION ON PENALTIES

Penalties. A fine of not less than one hundred

pesos (P100.00) and not more than one thousand
pesos (P1,000.00) or imprisonment for not less
than thirty days and not more than one year, or
both, at the discretion of the court, shall be
imposed for violations of the provisions of this
Decree and its implementing rules and regulations.
 PART III.
COMPANY STRENGTHS AND WEAKNESSES

A. Strengths
B. Weaknesses
STRENGTHS AND WEAKNESSES
Strengths:
1. Instant access to cash
2. The process is easy, fast, and reliable
3. No credit checks
4. No effect in credit history
5. Accessible and safe transactions

Weaknesses:
1. High limits in interest rates.
2. Low appraisal
3. Too short when it comes to terms
4. Equipments that are not calibrated
5. Risk in losing, damaging items, and getting scammed.
 PART IV.
INSIGHTS
 INSIGHTS

Non-Banking Financial Institution A non-banking financial institution

(NBFI) or non-bank financial company (NBFC) is a financial institution
that does not have a full banking license or is not supervised by a
national or international banking regulatory agency. NBFI facilitate bank
related financial services, such as investment, risk pooling, contractual
savings, and market brokering.

Banks exist primarily to provide a secure place to store wealth held in the
form of readily available money. But like all enterprises staffed by
humans, banks also exist in order to make money. Banks make money
by making loans from a portion of the deposits and charging interest on
those loans.