Republic of the Philippines Department of Labor and Employment

OVERSEAS WORKERS WELFARE ADMINISTRATION

Regional Welfare Office 5, Legazpi City

BUSINESS PLAN
OFW Reintegration Program

I.

EXECUTIVE SUMMARY

A. B. C. D. E.

Rosie L. Tombado Salvacion Que Gatos, Nabua Camarines Sur 09106723067/09099799183 Loryrhose General Merchandise Store and Rice Trading Main Branch: Salvacion Que Gatos, Nabua Camarines Sur Branch: Angustia, Nabua, Camarines Sur F. Brief History/ Background: I am a former OFW from Hong Kong since November 8, 1992 until January, 1999 with one employer only. I finally decided to go home for good because I want to build up my own family and at the same time as I arrived here in the Philippines I also put up immediately my own business to secure the future of my family. I started my business since January, 1999 with initial capital of 10,000.00 only. My business is still operating and growing but unfortunately because of financial crisis the small businesses is the one affected today thats why Im very happy that our government, the President Noynoy Aquino decided to help the OFW of this Reintegration Program to have a decent life, to be more progressive in line of business industry. I want to avail this program to a have an expansion of my business to be a wholesaler in our community and neighboring barangays. To be one of the successful business woman, to have a stable status in life. I want also to gain sufficient capital so that my business will grow and expand. And through this I can use my knowledge as a graduate of Business Administration major in Management, I graduated as a Cum Laude of Aquianas University Legazpi, Legazpi City, and I have now a chance to help more in my community to make more progressive.

Name of Applicant: Home Address: Contact Number: Type of Business: Business Address:

G. Business Objectives: 1. To provide quality products and just within a short period of time, my business will be one of the merchandise that will cater the most number of customers of the area, and to give more convenience to them without going to the market in the town proper which is very far from our place. 2. To expand my business with the use of my borrowed money and to earn profits to have my own capital after paying my loan and to assure a stable source of income for my family. 3. To provide quality products to the customer with a reasonable and affordable price and to give them the satisfaction of our service. 4. To put up a business which is viable and sustainable with the community and to all the customers in different neighboring barangay.

H. Purpose
Purchase of Merchandise/Ingredients Acquisition of Equipments/ Fixtures Construction/ Land and store building to be purchased Total LOAN 480,951.00 270,000.00 549,049.00 1,300,000.00 OWNERS EQUITY 76,032.00 718,542.00 565,000.00 1,359,574.00

Owners Equity Merchandise

Particulars 10 case Emperador (750ml) 10 case Sparkle (8oz) 10 packs fortune red 10 packs fortune white 10 doz. Ligo sardines 1 sacks brown sugar 1 sacks 99 sugar 10 doz. Nescafe(25g) 2 container cooking oil 5 doz. Bear brand 10 case Redhorse Jumbo 10 doz. Lucky me 5 case 1.5 liter coke/sprite/royal Purchase Amount 7,920.00 1,400.00 1,420.00 1,480.00 1,500.00 1,650.00 1,800.00 1,800.00 2,600.00 1,560.00 3,070.00 900.00 2,400.00 Acquisition Year

I started from 1999 with initial capital of 10,000.00 pesos only

10 pack champion lights 5 doz. Youngstown 10 doz. Milo (20g) 25 bars tops 10 packs marlboro 10 case 4kantos (gin Ginebra) 10 doz. Magic sarap (8g) 15 pack mighty Red/green 20 pack winnsboro 10 doz. Pansit canton 15 doz. energen 5 sacks rice 8 doz. Argentina (175g) 5 packs winston 15 doz. Assorted shampoo 150 packs x 18.oo checherya 300 packs x 10.50 checherya 25 packs modess 5 doz. 555 tuna 10 doz. Soy sauce (200ml) 15 doz. colgate 5 doz. Premium coffee (25g) Total merchandise

1,300.00 750.00 570.00 475.00 3,400.00 7,080.00 300.00 1,650.00 1,650.00 1,800.00 1,620.00 7,500.00 3,072.00 1,250.00 780.00 2,700.00 3,150.00 3,150.00 1,440.00 780.00 1,035.00 1,080.00 76,032.00

STORE/ BUILDING- OLD STORE Particulars Bamboo Nail/pako Anahaw Labor Grills total Purchased Amount 4000.00 600.00 1,500.00 2,400.00 6,500.00 15,000.00 Acquisition Year I build this store last 2010. I transfered here because this place is accessible to all people.

A PROPOSED CONSTRUCTION OF NEW STORE BUILDING MAIN BRANCH SALVACION QUE GATOS, NABUA CAMARINES SUR Particulars Cement kabilya (#10) (#9) (#8) Gravel Sand Quantity 30 bags 30 pcs 25pcs 10 pcs 8 cubic 8 cubic Unit Cost 216.00 139.00 85.00 72.00 600.00 400.00 Total Amount 6,480.00 4,170.00 2,125.00 720.00 4,800.00 3,200.00 Acquisition Year

To be construct this year, 2012

Nail

(#4) (#3) (#1.5) Tie wire Yero (#10) Umbrella nail Labor Foods and Snacks Total Budget

4 kilo 4 kilo 2 kilo 3 kilo 25pcs 5 kilo

60.00 60.00 65.00 65.00 480.00 75.00

240.00 180.00 130.00 195.00 12,000.00 370.00 13,554.00 885.00 49,049.00

EQUIPMENTS AND FIXTURES (Equipments) particulars Sanyo Freezer (7cubic feet) GE Refrigerator (13cubic feet) Haier Chest type freezer (7cubic feet) Weighing Scale baskula (500kg) Weighing Scale baskula (1,000kg) Trimobile (Honda) Trimobile (RS Yamaha) Water Pump patubig (#4) Palay Thresher Delivery Truck Total Amount Purchased amount 22,000.00 22,495.00 22,900.00 10,000.00 25,000.00 120,000.00 100,000.00 20,000.00 30,000.00 200,000.00 572,395.00 Acquisition Year 2010 To be purchase To be purchase 2007 To be purchase 2005 2002 2004 2008 To be purchase

(Fixtures) Particulars Cashiers Tables Wood Cabinets and Drawers Plastic Drawer total Purchased amount 1,000.00 3,000.00 2,000.00 6,000.00 Acquisition Year 2009 2010 2010

LAND AND STORE BUILDING TO BE PURCHASED

BRANCH ANGUSTIA, NABUA, CAMARINES SUR STORE LAND (MAIN BRANCH) Land purchased already FARM LAND 110,000.00 500,000.00 30,000.00

TOTAL OWNERS EQUITY

1,358,476.00

ITEMS/RAW MATERIALS TO BE PURCHASED Particulars

Coke/sprite/royal (1.5) Red Horse Jumbo 4kantos (gin Ginebra) Sparkle (8oz) Pop (8oz) Brown sugar 99 Sugar (washed sugar) Rice Fortune Red Fortune White Champion Lights Mighty Green/Red Marlboro Winstons Hope B-Meg/ Pre-starter - starter - Grower - Finisher Diesel Regular Gasoline Super Unleaded Premium Unleaded Smartmoney Smartload Globeload Medicol Alaxan Tablet

Quantity
20case 30case 20case 20case 25case 3 sacks 3 sacks 10sacks 20packs 25packs 20packs 20packs 10 packs 10packs 20packs 15sacks 10sacks 10sacks 10sacks 5containers 5containers 5containers 5containers 20x1,000 Economy 30x345 30loadx300 100pcs 150pcs

Unit Cost
480.00/case 307.00/case 708.00/case 150.00/case 150.00/case 1,600.00/sack 1,850.00/sack 1,500.00/sack 142.00/pack 148.00/pack 130.00/pack 110.00/pack 380.00/pack 270.00/pack 260.00/pack 1,025.00/sack 1,370.00/sack 1,260.00/sack 1,270.00/sack 895.00/container 1,080.00/container 1,132.00/container 1,152.00/container 1x1,000pesos 27.99/30load 27.50/30load 3.55/pc 5.50/pc

Amount
9,600.00 9,210.00 14,160.00 3,000.00 3,750.00 4,800.00 5,550.00 15,000.00 2,640.00 3,700.00 2,400.00 2,200.00 3,800.00 2,700.00 5,200.00 15,375.00 13,700.00 12,600.00 12,700.00 4,475.00 5,400.00 5,660.00 5,760.00 20,000.00 9,656.00 8,250.00 355.00 825.00

Neosep Biogesic Mefinamic (500mg) Palay Ammonium Urea Atlas Rice Star Cymbos Machete Gasul Shellane Youngstown sardines Ligo sardines 555 tuna(175g) 3-star Sardines CDO cornedbeef(150g) Colgate (15g) Bonux bar Detergent Tops bar detergent Modess Magic Sarap(8g) Milo (20g) Maxx Snow bear Rejoice Shampoo Palmolive Shampoo Sinigang with gabi Fudge bar Kopiko brown (25g) Great taste premium (25g) Candle #10 Ice candy wrapper Lucky me Energen 30g Junkfoods (checherya) total

200pcs 300pcs 100pcs 7,450kilos 10sacks 20sacks 10liters 10liters 15liters 20tanks 15tanks 25dozens 50dozens 20dozens 25dozens 20dozens 15dozens 30bars 50bars 20packs 50dozens 50dozens 20packs 40packs 30dozens 50dozenz 10dozens 100packs 50dozens 30dozens 40packs 100pack 100dozens 50dozens 200packs

3.00/pc 3.00/pc 5.00/pc 13.50/kilo 759.00/sack 1,325.00/sack 2,130.00/liter 560.00/liter 600.00/liter 900.00/tank 883.00/tank 150.00/doz 156.00/doz 288.00/dz 144.00/dz 288.00/dz 69.00/dz 19.00/bar 19.00/bar 18.50/pack 30.00/dz 57.00/dz 60.00/pack 60.00/pack 56.00/dz 46.00/dz 132.00/dz 55.00/pack 58.00/pack 144.00/dz 80.00/pack 7.00/pack 90.00/dz 54.00/dz 18.00/pack

600.00 900.00 500.00 100,575.00 7,500.00 26,500.00 21,300.00 5,600.00 9,000.00 18,000.00 13,245.00 3,750.00 7,800.00 5,760.00 3,600.00 5,760.00 1,035.00 570.00 950.00 370.00 1,500.00 2,850.00 1,200.00 2,400.00 1,680.00 2,300.00 1,320.00 5,500.00 2,900.00 4,320.00 3,200.00 700.00 9,000.00 2,700.00 3,600.00 480,951.00

EQUIPMENTS TO BE PURCHASED Particulars Refrigerator Chest Freezer Weighing Scale baskula Delivery Truck Total Specification GE 13cubic feet Haier 7cubic feet 1000kg 2nd hand Quantity 1 1 1 1 Amount 22,495.00 22,900.00 25,000.00 200,000.00 270,395.00

LAND AND STORE BUILDING TO BE PURCHASED Branch: Angustia, Nabua, Camarines Sur -

500,000.00

II.

MANAGEMENT AND ORGANIZATIONAL ASPECT

LORYRHOSE GENERAL MERCHANDISE STORE AND PALAY TRADING

ROSIE L. TOMBADO OWNER

LORETO G. TOMBADO HELPER 1

EMELINDA BERMIDO HELPER 2

SANTOS LONGARES JR. HELPER 3

Owner Salary: 7,000.00/month Job description: To manage and supervise personally. -To evaluate and determine the products and goods that needs to the community -to do the marketing -to supervise the helper to display and arrange all goods to the proper places -responsible to promote the products -to check and compute all the items purchased

Helper 1 Salary: 4,000.00/month Job description: Assistant to the owner -Driver in doing marketing and responsible delivering the goods in different stores -to manage the palay trading -the right hand of the owner to make some important decisions about the business. Helper 2 Salary: 2,000.00 Job Description: responsible for the arrangement of all goods in its proper places. -Responsible in cleaning the store. - make the list of all the items ordered and purchased by the customers. -responsible to be alert and watch always the customers of their needs and serve friendly with smile always to attract more customers. Helper 3 Salary: 2,000.00 Job Description: responsible in carrying all the palay and other heavy goods. -Responsible in repacking all the goods

III. MARKETING ASPECTS Product/service description: 1. 2. To make sure that all the needs of the customers of this community is all available in my store with high quality products. To make sure that the customers are convenient in my store all the time.

Marketing Strategy: 1. 2. 3. 4. 5. 6. 7. 8. The place is accessible to all the customers To have some promotion thru on sale products during barangay fiesta and Christmas. To have the cheapest price to all my competitors To be polite and be friendly to all the customers to have more patience to makukulit at barat na customers. To deliver the goods to their places if they purchased more than 5,000.00. To be a wholesaler to all the sari-sari store owner with the community and neighboring barangay. To give an opportunity to avid and loyal customers to avail one week payment for their goods purchased. We cater and accept on call/text order to be deliver to my loyal customers and known by me personally.

II.

TECHNICAL ASPECT a. Sketch of business site b. Business site description: Main branch: in front of the waiting shed and in front of Que Gatos Elementary School, Near the Barangay Chapel and near the Barangay hall. -Only store in our community that all needs of the people are all available here. Branch 2: Angustia, Nabua, Camarines Sur -The place is very conducive to all the neighboring barangay because the place is along the national highway. c. Time and days of operation: -main branch: 18hours per day 5am-10pm -branch 2: 12hours per day 7am-7pm Operation runs 30days per month.

III.

FINANCIAL ASPECT Total Project Cost 1,863,878.00 Fixed asset (land, structure, machine, equipment) 1,283,395.00 Working Capital Requirements (Raw materials, items)556,983.00 Other operational Expenses (utilities,etc) 23,500.00

Financial Viability Projected sales for 1 year Monthly sales income: 569, 950.00 X 12months __________________ 6,839,400.00

6,839,400.00

Less: Working capital requirement/expenses (monthly capital 480,951x12months) Projected Net Income for 1 year

5,771,412.00

1,067,988.00

ROSIE LONGARES TOMBADO Applicants Signature over printed name

Date of submission

PROJECTED SALES ASSUMPTION FOR ONE YEAR

Particulars
Coke/sprite/royal (1.5) Red Horse Jumbo 4kantos (gin Ginebra) Sparkle (8oz) Pop (8oz) Brown sugar 99 Sugar (washed sugar) Rice Fortune Red Fortune White Champion Lights Mighty Green/Red Marlboro Winstons Hope B-Meg/ Pre-starter starter Grower Finisher Diesel Regular Gasoline Super Unleaded Premium Unleaded Smartmoney Smartload

Quantity
20case 30case 20case 20case 25case 3 sacks 3 sacks 10sacks 20packs 25packs 20packs 20packs 10 packs 10packs 20packs 15sacks 10sacks 10sacks 10sacks 5containers 5containers 5containers 5containers 20x1,000 Economy

Unit Cost
480.00/case 307.00/case 708.00/case 150.00/case 150.00/case 1,600.00/sack 1,850.00/sack 1,500.00/sack 142.00/pack 148.00/pack 130.00/pack 110.00/pack 380.00/pack 270.00/pack 260.00/pack 1,025.00/sack 1,370.00/sack 1,260.00/sack 1,270.00/sack 895.00/contain er 1,080.00/conta iner 1,132.00/conta iner 1,152.00/conta iner 1x1,000pesos 27.99/30load

Amount
9,600.00 9,210.00 14,160.00 3,000.00 3,750.00 4,800.00 5,550.00 15,000.00 2,640.00 3,700.00 2,400.00 2,200.00 3,800.00 2,700.00 5,200.00 15,375.00 13,700.00 12,600.00 12,700.00 4,475.00 5,400.00 5,660.00 5,760.00 20,000.00 9,656.00

Retail price Of unit cost 600.00/case 390.00/case 780.00/case 253.00/case 264.00/case

2,200.00/sac k

Sales amount
12,000.00 9,210.00 15,600.00 5,060.00 6,600.00 6,600.00 7,200.00 16,400.00 4,000.00 5,000.00 3,200.00 3,200.00 4,000.00 3,000.00 6,000.00 16,825.00 15,000.00 14,500 14,750.00 4,800.00 6,100.00 6,200.00 6,300.00 20,600.00 10,695.00

2,400.00/sa ck 1,640.00/sa ck 200.00/pack 200.00/pack 160.00/pack 160.00/pack 400.00/pack 300.00/pack 300.00/pack 1,125.00/sa ck 1,500.00/sa ck 1,450.00/sa ck 1,475.00/sa ck 960.00/cont ainer 1,200.00/co ntainer 1,240.00/co ntainer 1,260.00/co ntainer 1,030 31.00/30lo

Globeload Medicol Alaxan Tablet Neosep Biogesic Mefinamic (500mg) Palay Ammonium Urea Atlas Rice Star Cymbos Machete Gasul Shellane Youngstown sardines Ligo sardines 555 tuna(175g) 3-star Sardines CDO cornedbeef(150g) Colgate (15g) Bonux bar Detergent Tops bar detergent Modess Magic Sarap(8g) Milo (20g) Maxx Snow bear Rejoice Shampoo Palmolive Shampoo Sinigang with gabi Fudge bar Kopiko brown (25g) Great taste premium (25g) Candle #10 Ice candy wrapper Lucky me Energen 30g Junkfoods (checherya)

30x345 30loadx300 100pcs 150pcs 200pcs 300pcs 100pcs 7,450kilos 10sacks 20sacks 10liters 10liters 15liters 20tanks 15tanks 25dozens 50dozens 20dozens 25dozens 20dozens 15dozens 30bars 50bars 20packs 50dozens 50dozens 20packs 40packs 30dozens 50dozenz 10dozens 100packs 50dozens 30dozens 40packs 100pack 100dozens 50dozens 200packs

27.50/30load 3.55/pc 5.50/pc 3.00/pc 3.00/pc 5.00/pc 13.50/kilo 759.00/sack 1,325.00/sack 2,130.00/liter 560.00/liter 600.00/liter 900.00/tank 883.00/tank 150.00/doz 156.00/doz 288.00/dz 144.00/dz 288.00/dz 69.00/dz 19.00/bar 19.00/bar 18.50/pack 30.00/dz 57.00/dz 60.00/pack 60.00/pack 56.00/dz 46.00/dz 132.00/dz 55.00/pack 58.00/pack 144.00/dz 80.00/pack 7.00/pack 90.00/dz 54.00/dz 18.00/pack

8,250.00 355.00 825.00 600.00 900.00 500.00 100,575.00 7,500.00 26,500.00 21,300.00 5,600.00 9,000.00 18,000.00 13,245.00 3,750.00 7,800.00 5,760.00 3,600.00 5,760.00 1,035.00 570.00 950.00 370.00 1,500.00 2,850.00 1,200.00 2,400.00 1,680.00 2,300.00 1,320.00 5,500.00 2,900.00 4,320.00 3,200.00 700.00 9,000.00 2,700.00 3,600.00 480,951.00

ad 31.00/30lo ad 5.00/pc 10.00/pc 6.00/pc 5.00/pc 10.00/pc 15.50/kilo 900.00/sack 1,500.00/ sack 2,556.00/ liter 672.00/liter 650.00/liter 950.00/tank 933.00/tank 192.00/dz 192.00/dz 324.00/dz 180.00/dz 324.00/dz 96.00/dz 24.00/bar 24.00/bar 25.00/pack 48.00/dz 72.00/dz 100.00/pack 100.00/pack 72.00/dz 72.00/dz 168.00/dz 70.00/pack 84.00/pack 252.00/dz 120.00/pack 12.00/pack 108.00/dz 72.00/dz 20.00/pack

9,300.00 500.00 1,500.00 1,200.00 1,000.00 1,000.00 115,475 9,000.00 31,800.00 25,560.000 6,720.00 9,750.00 19,000.00 13,995.00 4,800.00 9,600.00 6,480.00 4,500.00 6,480.00 1,140.00 720.00 1,200.00 500.00 2,400.00 3,600.00 2,000.00 4,000.00 2,160.00 3,600.00 1,680.00 7,000.00 4,200.00 7,560.00 4,800.00 1,200.00 10,800.00 3,600.00 4000.00 569,950.00/ month

total

Total Sales: Less: Total Capital: Net Income Monthly:

569,950.00 480,951.00 88,999.00

Fixed asset:
Land and store building (proposed branch: Angustia) Farm Land Store Land Store Structure old Building to be construct (main branch) Cashiers Table Plastic Drawers Wood cabinets and drawers Sanyo Freezer 7cubic feet GE refrigerator 50,000.00 1,000.00 2,000.00 3,000.00 22,000.00 22,495.00 22,900 10,000.00 25,000.00 200,000.00 120,000.00 100,000.00 500,000.00 110,000.00 30,000.00 15,000.00

Haier Chest type freezer 7cubic ft.Weighing scale baskula 500kg Weighing scale baskula 1000kgDelivery truck Honda trimoble RS Yamaha trimobile -

Water pump Patubig Palay Thresher Total fixed asset

20,000.00 30,000.00 1,283,395.00

OTHER OPERATIONAL EXPENSES Electric bill Salaries Gasoline/diesel (trimoblie and delivery trucks) Total Operating expenses 2,500.00 21,500.00/month 4,000.00 15,000.00

ROSIE LONGARES TOMBADO 47, Zone 5, Salvacion Que Gatos, Nabua, Camarines Sur 09106723067 Educational Background Tertiary Education: AQUIANAS UNIVERSITY OF LEGAZPI Bachelor of Science in Business Administration (BSBA) Major in Management (Cum Laude) 1988-1991 Secondary Education: Nabua National High School San Miguel, Nabua Camarines Sur 1984-1988 Elementary Education: Malawag Elementary School Malawag, Nabua, Camarines Sur 1979-1984

Work Experience: Hong Kong Domestic Helper Store Owner Tricycle operator 1992-1999 1999-at present 2002-at present

Personal Information: Age: Birthday: Civil Status: Nationality: Religion: Sex: Mother: Father: Husband: 42years old March 15, 1969 Married Filipino Roman Catholic Female Benita P. Longares Santos I. Longares (+) Loreto G. Tombado

Occupation of Spouse: Farmer/ Driver Number of Children: 3

I hereby certify that the above information are true and correct to the best of my knowledge and belief.

ROSIE L. TOMBADO Applicant

LANDBANK OF THE PHILIPPINES Regional Office-V Legazpi City LBP-OWWA (OFW-RP) LOAN APPLICATION FORM February 17, 2012 MR. RENATO G. EJE Vice President/ Regional Head, RO-V LANDBANK OF THE PHILIPPINES Legazpi City Sir: I would like to apply for a financial assistance under the Overseas Filipino Workers Reintegration Program (OFW-RP) of the Landbank-OWWA Partnership, to wit: Amount Purpose Project/Business Term Interest rate : : : : : 1,300,000.00 Working Capital Fixed asset acquisition LORYRHOSE GENERAL MERCHANDISE STORE AND PALAY TRADING Up to 7 years 7.5% p.a (Fixed during the duration of the term)

Attached herewith are the pre-requisites for your evaluation and approval: OWWA certificate that the undersigned is a bonafide OFW, and that he/she has completed the required training/capacity building initiated by DOLE/OWWA. Thank you. Very truly yours, ROSIE L. TOMBADO Address: Salvacion Que Gatos Nabua, Camrines Sur Contact No: 09106723067/09099799183 Endorsed by: JOCELYN O. HAPAL Regional Director, OWWA RWO5 VP RENATO G.EJE Regional Head

Approved by:

DECLARATION
I Mrs. ROSIE LONGARES TOMBADO of Salvacion Que Gatos, Nabua, Camrines Sur, hereby declare that I nor any of my legal dependents has no pending nor outstanding loan obligation at any other OWWA Regional Welfare Offices. Issued this 17th day of February, 2012 at Salvacion Que Gatos, Nabua, Camrines Sur for reference purposes re: OWWA-LBP OFW Reintegration Program loan application.

ROSIE LONGARES TOMBADO

Signature over printed name of Loan Applicant