8/9/2019 TSKI BDS

1/28

Upscalin

g

Upscalin

g

BUSINES

S

BUSINES

S

D

EVEL

OPM

ENT

D

EVEL

OPM

ENT

SER

VICE

S:Th

eTSK

I

SER

VICE

S:

Th

eTSK

I

Experience

Experience

by:ENGR.RE

YNALDOT.

AMBAO

Director,MSI-BDSD

ivision

TaytaySa

Kauswagan

,Inc.

8/9/2019 TSKI BDS

2/28

Micr

ofinance

Microfinance

Microfin

ance

Microfin

ancehasev

olved

asanec

onomic

ec

onomic

develop

mentappro

ach

developmentapproach

andintendedtobene

fitlow

incomew

omenandm

en.

Itismain

lyorientedtowards

making

financialse

rvices

makingfinancialservices

moreac

cessible

moreac

cessibletothe

self-emp

loyed,whoc

onduct

mostoftheireconom

ic

activities

intheinform

al

sector.

8/9/2019 TSKI BDS

3/28

MFI

MFI

MFMF

Loan

Loan

Clien

t

Client

Busines

s

Busines

s

Income

Income

Qua

lity

Qua

lity

Life

Life

Repay

Repay--

ment

ment

MICROFINANCE

MICROFINANCEOPERATIONA

LFRAMEW

ORK

OPERATIONA

LFRAMEW

ORK

8/9/2019 TSKI BDS

4/28

The

BURN

INGPASSIO

N

The

BURN

INGPASSIO

N

9090--95%of

95%of

clie

nts

clie

ntsare

into

:

Buyan

dse

ll

Buyan

dse

ll

Tra

ding

Tra

ding

Sari

Sari--saris

tore

saris

tore

O

thers

Others

8/9/2019 TSKI BDS

5/28

Impa

ctSurve

yinNorthernIloilo

Bran

ch(NIB)

Psyc

hosocialandEco

nomic

Contributions

ofMicro

-financin

g

toW

omen

Mark

etingCo

nstraints

and

Opportunities

ofClient-Producers

Stud

iesconducted

Stud

iesconducted

8/9/2019 TSKI BDS

6/28

ImpactS

urvey

inNIB

Imp

actS

urvey

inNIB

Thep

art

icipan

tsc

laime

dtha

tthey

have

rece

ived

very

limite

d

techn

ica

lassis

tancefrom

the

program

Reco

mmen

da

tion:mo

retrainin

g

&tec

hnicalas

sistance

shouldb

e

imple

mented.

8/9/2019 TSKI BDS

7/28

P

sychoso

cial&Economic

P

sychoso

cial&Economic

Contributions

ofMicro

Contributions

ofMicro--financingto

financingto

Women

Women

Thes

tud

yhasproven

tha

tmic

ro-en

terprise

deve

lopmen

tcanhe

lpimprov

ethepers

ona

l

improv

ethepers

ona

l

lifelifeandc

hange

thea

ttitu

de

change

thea

ttitu

deo

fc

lien

tsa

fter

the

irpar

tic

ipa

tionin

theprogra

m.

There

is

sign

ificanc

einthenum

bero

ftec

hn

ica

l

tec

hn

ica

l

consultancyor

bu

sinessadv

ises

consultancyor

bu

sinessadv

isesavaile

d.

Themore

tec

hn

icalconsu

ltanc

yor

business

adv

isesava

iled

,the

grea

terth

elike

lihood

tha

t

thec

lientsw

illf

ully

inves

t

fully

inves

tthe

irprogram

loan

program

loan.

8/9/2019 TSKI BDS

8/28

M

arketing

Constraintsand

M

arketing

Constraintsand

Oppor

tunitieso

fClient

Oppor

tunitieso

fClient--P

roducersof

P

roducersof

TSKI

TSKI

Nearly

one-fourth

oftheclien

tsreporte

dtha

t

compe

tition

compe

tition

isth

eirma

jormarke

ting

ma

jormarke

ting

pro

ble

m.

pro

ble

m.

Pro

duc

tre

jec

tionsreportedare

due

to:

tran

sporta

tion

/han

dling

damage

tran

sporta

tion

/han

dling

damage

pro

blems

inpreserva

tion

pro

blems

inpreserva

tion

pro

duc

tquali

ty

pro

duc

tqualit

y

unaccep

table

des

ign.

unaccep

table

des

ign.

8/9/2019 TSKI BDS

9/28

MarketingConstraintsandOpportunities

of

MarketingConstra

intsandOp

portunities

of

Client

Client--Pr

oducersof

TSKI

Pr

oducersof

TSKI

Manyof

theclientsidentifiedtheirneighboring

commun

ities,

bigsto

resandsupermarkets,

househo

lds,andofficesaspotentialmarket

poten

tialmarket

Potentia

lmarketsarenotentere

d

notentere

dbecause

produ

ctioncapacityislow

productioncapacity

islow

insufficientcapital

insufficientcapital

inadequateadvertis

ing.

inadequateadvertis

ing.

Thosew

hohavetrie

dpenetrating

trie

dpenetratingthesemarkets

stop

stopbecauseof:

insufficientcapital

insufficientcapital

Comp

etition

Competition

small

productionca

pacity

small

productionca

pacity

poorc

ollection

poorc

ollection

proble

msinmanpo

wer

proble

msinmanpo

wer

8/9/2019 TSKI BDS

10/28

MarketingConstrain

tsandOpportunitiesofClient

MarketingConstraintsandOpportunitiesofClient--

Prod

ucersofTSK

I

Prod

ucersofTSK

I

CONCLU

SIONS:

Nee

dtoimprove

pro

duc

tqua

lity

improvepro

duc

tqua

lity

Nee

dfora

ddition

alcap

ital

addition

alcap

ital

forpro

duct

ion

Nee

dtoa

dvert

ise

advert

ise

the

irproduc

ts

Increas

emanpow

er

manpow

er

Comeupw

ithagoo

dmarke

tings

trate

gies

marke

tings

trateg

ies

Pro

duc

ts

Pro

duc

tss

hou

ldbeproperlypac

ked

properlypac

ke

da

nd

han

dledtoavo

idd

amages.

8/9/2019 TSKI BDS

11/28

Marketing

Constraint

sandOppo

rtunitiesof

Client

Marketing

Constraint

sandOppo

rtunitiesof

Client--

Prod

ucersofTSKI

ProducersofTSKI

RECOMM

ENDATIONS

:

Needto

improvethe

ff:

Produ

ctquality

Produ

ctquality

Packa

ging

Packa

ging

Preservation

Preservation

Design

Design

Cliente

xposure

Cliente

xposuretodifferentprod

uctionproce

sses

toacqua

intthemwithtechniques

toimprove

product

quality,pack

aginganddesign.

Businesstours

Businesstours

Skills

trainingand/o

rworkshop

Skills

trainingand/o

rworkshop

8/9/2019 TSKI BDS

12/28

Marketing

Marketing

Production

Production

Finan

ce

Finan

ce

Organ

ization&Mgt

Organ

ization&Mgt

Techn

ical

Techn

ical

Techn

ology

Techn

ology

BDSBDSMF

I

MFI

MFMF

Loan

Loan

Clien

t

Clien

t

Busine

ss

Business

Income

Income

Qua

lity

Qua

lity

Li

fe

Life

Repay

Repay--

ment

ment

8/9/2019 TSKI BDS

13/28

BDS

De

fine

d

BDS

De

fine

d

BDSBDS

referstoaw

ide

rangeofservicesu

sedby

entrepreneurstohelpthem

operateefficiently

and

operateefficiently

and

growtheirbusiness

growt

heirbusinesswith

thebro

aderpurpos

eof

contrib

utingtoeconomic

grow

th,

emp

loy

men

t

grow

th,

emp

loymen

t

genera

tion,

and

gener

ation,

and

povertya

llev

iation

pover

tya

llev

iation

8/9/2019 TSKI BDS

14/28

TSKITSKI

CLIENT

CLIENT

BUSINESS

BUSINESS

MARK

ETING

MARK

ETING

TRADEFAIRS

MARKETMATCHING

MARKETINGVAN

TRADECENTERIN

BORAC

AY

Pro

duc

t

Qua

lity

YE

S

8/9/2019 TSKI BDS

15/28

8/9/2019 TSKI BDS

16/28

8/9/2019 TSKI BDS

17/28

TSKITSKI

CLIENT

CLIENT

BUSINESS

BUSINESS

MARK

ETING

MARK

ETING

TRADEFAIRS

MARKETMATCHING

MARKETINGVAN

TRADECENTERIN

BORAC

AY

Pro

duc

t

Qua

lity

YE

S

8/9/2019 TSKI BDS

18/28

TSKITSKI

CLIENT

CLIENT

BUSINESS

BUSINESS

MARK

ETING

MARK

ETING

TRADE

FAIRS

MARKE

TMATCHING

MARKE

TINGVAN

TRADE

CENTERIN

BORAC

AY

Pro

duc

t

Qua

lity

TECHNO

TECHNO

LOGICAL

LOGICAL

SER

VICES

SER

VICES

PACKAGING

LABELI

NG

PRODU

CTDEVT

FOOD

ANALYSIS

BFADR

EGISTRATION

YE

S

NO

8/9/2019 TSKI BDS

19/28

TSKITSKI

CLIENT

CLIENT

BUSINESS

BUSINESS

MARKETING

MARKETING

TRADEFAIRS

MARKETMATCHING

MARKETINGVAN

TRADECENTERIN

BORAC

AY

Pro

duc

t

Qua

lity

TECHNO

TEC

HNO

LOGICAL

LOG

ICAL

SER

VICES

SER

VICES

PACKAGING

LABELING

PRODU

CTDEVT

FOODA

NALYSIS

BFADR

EGISTRATION

YE

S

NO

8/9/2019 TSKI BDS

20/28

8/9/2019 TSKI BDS

21/28

8/9/2019 TSKI BDS

22/28

8/9/2019 TSKI BDS

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TSK

I

TSK

I

CLIE

NT

CLIE

NT

BUSIN

ESS

BUSIN

ESS

MARKETING

MARKETING

TRAD

EFAIRS

MARKETMATCHING

MARKETING

VAN

TRAD

ECENTERIN

BORACAY

Product

Quality TE

CHNICAL

TECHNICAL

SERVICES

SERVICES

T

ECHNO

T

ECHNO

L

OGICAL

LOGICAL

SERVICES

SERVICES

PACK

AGING

LABE

LING

PRODUCTDEVT

FOOD

ANALYSIS

BFAD

REGISTRATION

TECH

NICALTRAINING

PROD

UCT

STAN

DARDIZATION

ENTR

EPRENEURIAL

TRAI

NING

FINANCE&

FI

NANCE&

ACCOUNTING

ACCOUNTING

ORGANIZ

ATION

ORGANIZ

ATION

&&

MANAGE

MENT

MANAGE

MENT

BOOKKEEPING

ACCO

UNTING

FINA

NCIAL

MAN

AGEMENT

LEAD

ERSHIP

SUPERVISORY

MAN

AGEMENT

YES

NO

8/9/2019 TSKI BDS

24/28

C L I E N T SC L I E N T S

MANUFACTURING/

PR

ODUCTION

AN

IMAL

RA

ISING

TRADING

BU

Y&

SELL

SAR

I-SARI

STORE

MARKETING

KAUSWAGAN

STORE

(O

THER

BRA

NCHES)

LABELLING

PACKAGING

LABORATORY

PRO

DUCT

ASSESSMENTFOR

PRESEN

TATION&

QUALITY

NO

YES

KAUS

WAGAN

ST

ORE

(BRA

NCHOR

MUNIC

IPALITY)

DESIGN&PACKAGINGCENTER

AND

LABORATORYFACILITY

8/9/2019 TSKI BDS

25/28

ATYPICALPHILIPPINEC

OMMUNITY

ATYPICALPHILIPPINEC

OMMUNITY

8/9/2019 TSKI BDS

26/28

Learnings/Insights

onBDS

establishment

1.

Strong

dec

ision

from

the

topmanagem

en

t

2.

De

libe

ratea

dvoc

acy

for

buy-inamong

staff

an

dc

lien

ts.

3.

Comp

eten

ts

taff

4.

Focus

ingrow

ing

microentrepreneurs

5.

Strong

linkagew

itho

therins

titutions

6.

Difficu

lty

inintegra

ting

BDS

withMF

opera

tion

8/9/2019 TSKI BDS

27/28

Challenges

1.

Susta

ina

bility

2.

Replic

ation

toot

herareaso

fopera

tion

3.

Inc

lus

iono

fBDS

inMFper

formance

indicators

4.

Deve

lopmen

tofnew

loanpro

duc

tsfor

grow

ing

MEs

8/9/2019 TSKI BDS

28/28