TSKI STARTED IT S OPERATION IN 1986

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1 TSKI STARTED IT S OPERATION IN 1986

2 TSKI SERVICES OFFERED: LOAN ASSISTANCE: MICRO ENTERPRISE DEVELOPMENT ASSISTANCE PROGRAM- (MEDP) 1987 SMALL VENDORS LOAN ASSISTANCE PROGRAM (SVLAP) 1993 PROYEKTO KAUSWAGAN SA KATILINGBAN GRAMEEN BANK REPLICATION TRAINING: VALUES FORMATION BASIC BOOKKEEPING/\ ACCOUNTING FOR NON-ACCOUNTANTS

3 Microfinance Microfinance has evolved as an economic development approach and intended to benefit low income women and men. It is mainly oriented towards making financial services more accessible to the selfemployed, who conduct most of their economic activities in the informal sector.

4 MICROFINANCE OPERATIONAL FRAMEWORK TSKI MF Loan Repayment Client Business Income Quality Life

5 The BURNING PASSION 90-95% of clients are into: Buy and sell Trading Sari-sari store Others

6 Studies Conducted Impact Survey in Northern Iloilo Branch (NIB) Psychosocial and Economic Contributions of Micro-financing to Women Marketing Constraints and Opportunities of Client-Producers

7 Psychosocial & Economic Contributions of Micro-financing to Women The study has proven that micro-enterprise development can help improve the personal life and change the attitude of clients after their participation in the program. There is significance in the number of technical consultancy or business advises availed. The more technical consultancy or business advises availed, the greater the likelihood that the clients will fully invest their program loan.

8 Impact Survey in NIB The participants claimed that they have received very limited technical assistance from the program Recommendation: more training & technical assistance should be implemented.

9 Marketing Constraints and Opportunities of Client-Producers of TSKI Nearly one-fourth of the clients reported that competition is their major marketing problem. Product rejections reported are due to: - transportation/handling damage - problems in preservation - product quality - unacceptable design.

10 Marketing Constraints and Opportunities of Client- Producers of TSKI Many of the clients identified their neighboring communities, big stores and supermarkets, households, and offices as potential market Potential markets are not entered because - production capacity is low - insufficient capital - inadequate advertising. Those who have tried entering these markets stop because of: - insufficient capital - Competition - small production capacity - poor collection

11 Marketing Constraints and Opportunities of Client-Producers of TSKI CONCLUSIONS: Need to improve product quality Need for additional capital for production Need to advertise their products Increase manpower Come up with good marketing strategies Products should be properly packed and handled to avoid damages.

12 Marketing Constraints and Opportunities of Client- Producers of TSKI RECOMMENDATIONS: Need to improve the ff: Product quality Packaging Preservation Design Client exposure to different production processes to acquaint them with techniques to improve product quality, packaging and design. Business tours Skills training and/or workshop

13 TSKI BDS REASONS FOR BEING: WE REALIZED THAT CREDIT ALONE is not the only solution on improving the quality of life of the clients. Improved business will have a greater impact on the lives of clients as well as the community, through job creation. It will lead to better portfolio quality and ensure the Sustainability of the organization. Thus the creation of the BDS department in We move beyond microfinance.

14 PAINS: TSKI BDS 8.1) The absence of buy-in of the stakeholders will endanger the effective implementation. 8.2) Support of the microfinance operation must be highly obtained to ensure downloading of services for better advocacy and promotion. 8.3) Low appreciation of microfinance clients on the importance of the BDS in improving its business. 8.4) Cost implication on the institution. 8.5) Biggest challenge was on the sustainability of the BDS unit after the grant from Fundacion CODESPA was terminated. It experienced continued operational losses until the staff complement had been streamlined. To date its being considered as a profit center rather than a support unit.

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16 TSKI MF Loan Repayment Client Business Income Quality Life BDS Marketing Production Finance Organization & Mgt Technical Technology

17 BDS Defined BDS refers to a wide range of services used by entrepreneurs to help them operate efficiently and grow their business with the broader purpose of contributing to economic growth, employment generation, and poverty alleviation

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19 CLIENT BUSINESS MARKETING TRADE FAIRS MARKET MATCHING MARKETING VAN K-STORE TRADE CENTER IN BORACAY TSKI Product Quality

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21 CLIENT BUSINESS MARKETING TRADE FAIRS MARKET MATCHING MARKETING VAN K-STORE TRADE CENTER IN BORACAY TSKI Product Quality

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23 CLIENT BUSINESS MARKETING TRADE FAIRS MARKET MATCHING MARKETING VAN K-STORE TRADE CENTER IN BORACAY TSKI Product Quality

24 DESIGN & PACKAGING CENTER AND LABORATORY FACILITY C L I MANUFACTURING /PRODUCTION ANIMAL RAISING PRODUCTS (PRESENTATIO N & QUALITY) NO YES LABELING PACKAGING LABORATORY E MARKETING N TRADING T S BUY & SELL SARI-SARI STORE KAUSWAGAN STORE (BRANCH OR MUNICIPALITY) KAUSWAGAN STORE (OTHER BRANCHES) CONSOLIDATION OF PRODUCTS OF TSKI CLIENTS FOR MARKETING: BRANCH MODEL

25 MICROFINANCE CLIENT BUSINESS on BUSINESS MARKETING DEVELOPMENT TSKI Product SERVICES Quality TECHNO LOGICAL SERVICES TRADE FAIRS MARKET MATCHING MARKETING VAN K-STORE TRADE CENTER IN BORACAY LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION

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29 CLIENT BUSINESS MARKETING TRADE FAIRS MARKET MATCHING MARKETING VAN K- STORE TRADE CENTER IN BORACAY TSKI Product Quality TECHNO LOGICAL SERVICES LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION

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33 CLIENT BUSINESS TSKI Product Quality NO MARKETING YES TECHNO LOGICAL SERVICES TRADE FAIRS MARKET MATCHING MARKETING VAN K- STORE TRADE CENTER IN BORACAY LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION

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36 MICROFINANCE CLIENT BUSINESS on MARKETING BUSINESS DEVELOPMENT YES TSKI Product Quality SERVICES TECHNO NO LOGICAL SERVICES TRADE FAIRS MARKET MATCHING MARKETING VAN K- STORE TRADE CENTER IN BORACAY LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION

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38 CLIENT BUSINESS MARKETING TRADE FAIRS MARKET MATCHING MARKETING VAN K- STORE TRADE CENTER IN BORACAY TSKI Product Quality NO YES TECHNO LOGICAL SERVICES TECHNICAL SERVICES LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION TECHNICAL TRAINING SKILLS TRAINING PRODUCT STANDARDIZATION ENTREPRENEURIAL TRAINING

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41 CLIENT BUSINESS MARKETING TRADE FAIRS MARKET MATCHING MARKETING VAN K- STORE TRADE CENTER IN BORACAY TSKI ORGANIZATION & MANAGEMENT LEADERSHIP SUPERVISORY MANAGEMENT Product Quality NO YES TECHNO LOGICAL SERVICES TECHNICAL SERVICES LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION TECHNICAL TRAINING SKILLS TRAINING PRODUCT STANDARDIZATION ENTREPRENEURIAL TRAINING

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44 MICROFINANCE CLIENT BUSINESS on MARKETING BUSINESS DEVELOPMENT Product YES TSKI Quality TECHNO LOGICAL SERVICES SERVICES ORGANIZATION & MANAGEMENT NO TECHNICAL SERVICES TRADE FAIRS MARKET MATCHING MARKETING VAN K- STORE TRADE CENTER IN BORACAY LABELING PACKAGING PRODUCT DEV T FOOD ANALYSIS BFAD REGISTRATION TECHNICAL TRAINING SKILLS TRAINING PRODUCT STANDARDIZATION ENTREPRENEURIAL TRAINING LEADERSHIP SUPERVISORY MANAGEMENT FINANCE & ACCOUNTING BOOKKEEPING ACCOUNTING FINANCIAL MANAGEMENT

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46 MICROFINANCE on As BDS move forward beyond basic MF services it will facilitate a development BUSINESS initiative that will complement the desire of the government in bringing: Quality of life to every citizen. DEVELOPMENT SERVICES It will also fulfill the Vision and Mission of the Organization.

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