GUIMARAS STATE COLLEGE

GRADUATE SCHOOL

IMC LENDING SERVICES

A Feasibility Study

Presented to

The Faculty of the Graduate School

Guimaras State College

Buenavista, Guimaras

In Partial Fulfillment

of the Requirement for the Course

Master of Education (Educational Management)

Irish Marie C. Casumpang

December 2017

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 GUIMARAS STATE COLLEGE
GRADUATE SCHOOL

ACKNOWLEDGEMENT

My overflowing gratitude goes out to the following:

To the very approachable and outstanding Dean of the Graduate School,

Dr. Erly Martir, for his generosity in order to finish my Masters in Education

major in Educational Management;

To my professors, Dr. Fe A. Panes and Dr. Rey P. Deatras, for providing

the motivation to pursue my graduate studies;

To Mr. Stephen John B. Palomaria, for helping me finish my feasibility

study;

To my colleagues at Man-it Integrated School for their guidance;

To my loving Tita Luz, for the unconditional help and understanding;

To my classmates in Guimaras State College at Passi City Center, for being

partners through thick and thin;

To my husband, Robert, for the love, courage, support, and for everything

that word cannot express;

To my loving sons, Sante and Jom, for giving me the will to go on;

To my nanay who fills in the job of being a mother to my sons in times of

my absence;

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 GUIMARAS STATE COLLEGE
GRADUATE SCHOOL

To all my sisters, sister-in-laws and brothers, most especially to Yan, for

the unyielding support and encouragement;

To those whose names I may have not mentioned here, my deepest

gratitude to all of you. You are all part of this breakthrough;

Above all, to God Almighty, for His gifts of wisdom, guidance and

strength.

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 GUIMARAS STATE COLLEGE
GRADUATE SCHOOL

TABLE OF CONTENTS

Content Page

Title Page i

Acknowledgement ii

Table of Contents iv

Executive Summary vi

Chapter 1: Corporate Summary 1

Vision 1

Business Background 1

Chapter 2: Product Overview 5

Customers 7

Chapter 3: Marketing Feasibility 9

The Industry 9

The Competition 11

Marketing Plan 11

Marketing Objectives 11

Marketing Strategies 12

Chapter 4: Management and Personnel Feasibility 13

Business Structure 13
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 GUIMARAS STATE COLLEGE
GRADUATE SCHOOL

Personnel Summary 14

Chapter 5: Financial Feasibility 22

Start-up Costs and Capitalization 22

Personnel Costs 23

Operational Costs 24

Sales and Financial Projections 25

Income Statement 30

Chapter 6: Socio-economic Feasibility 31

Chapter 7: Exit Strategy 33

Chapter 8: Summary and Conclusions 34

Personal Background 35

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 GUIMARAS STATE COLLEGE
GRADUATE SCHOOL

EXECUTIVE SUMMARY

The purpose of this business plan is to show the viability of a

lending/credit company in the Philippine Market.

It also aims to showcase the projected and expected financial outcomes

and data for its 1st year of operations.

This lending/credit company will offer low-interest loans thru its various

loan programs aimed at targeting individual & specific sectors of the society by

providing a certain and appropriate loan program for each individual sector so as

to minimize bad debts and profit loss and to maximize profits.

This will also serve as a basis for investors and would-be investors to

encourage them to venture into this kind of business and persuade them to

invest in this company and this business idea.

As it will be shown, this business idea will provide a profit margin of over

50% and its ROI is less than a year given all circumstances in this proposal are

met. Thus, it will assure guaranteed profits and high investment returns for

investors.

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