STP

MARKET SEGMENTATION

PRODUCT CASH LOAN

(Msybe this is METRO MANILA AREA)

PERSONAL (tuition
ADDITIONAL fees, home
MEDIDAL
NEEDS / BENEFITS WORKING CAPITAL improvements, I.T.,
PURPOSES
(target) wedding and repairs
of vehicle)

SIZE H (+) H (+) M (-)

GROWTH H (+) H (+) H (+)

COMPETITION H (-) H (-) L (+)

SATURATION M (+) M (+) L (+)

INCOME BRACKET: AT LEAST 200K/MG

ASST SIZE: 100M & BELOW

AGE OF BUSINESS: AT LEAST 2 YEARS

USAGE: FOR PUBLIC TRANSPORT

POSITIONING: SIMPLE & FAST SERVICE/MADALING KAUSAP/FLEXIBLE

DISTRIBUTION: 1) AGENTS, DEALERS

2) ASSOCIATION OF TRANSPORT
MMA 3) FLEET OWNERS
4) OPERATORS

PRODUCT: TYPE: BUSINESS LOAN BUNDLED INSURANCE minimum

TERM: MAX 36 MOS. INSTALLMENT INSURANCE cash outlay
Promotion
-------------------
RATE: 18% P.A. (negotiable) PERSONALIZED SERVICE
COLLATERAL: BUS *1 week release (with complete reqmt’s)
Direct marketing REM FLEXIBLE PAYMENT SCHEME
------------------- OTHER ACCEPTABLE COLLATERAL
MABUHAY MINDANAO
SEGMENTATIONS

CASH LOAN - AUTO

ADDITIONAL
NEEDS-CASH/ HOUSE/AUTO
CAPITAL CONSUMER
PURPOSE REPAIR

SIZE HIGH LOW MEDIUM

GROWTH HIGH MEDIUM LOW

COMPETITION MEDIUM HIGH HIGH

SATURATION MEDIUM HIGH HIGH

SEGMENATION ADDITIONAL CAPITAL

MARKETS TRUCKING BUSINESS/TRUCKERS

SIZE HIGH HIGH LOW
VOLUME # OF LOW HIGH MEDIUM
ACCOUNTS
SATURATION LOW MEDIUM MEDIUM
PLACE/AREA URVAN & RURAL URBAN & RURAL URBAN
COMPETITORS MEDIUM HIGH MEDIUM
POTENTIAL HIGH MEDIUM HIGH
GROWTH

TARGET: TRUCKING BUSINESS/TRUCKERS QUALIFIED CUSTOMER’S

1. Years in operation 1. Not less than 2 years

2. Income 2. 50 K and above
3. Urgency 3. Immediately need
4. Average loan size 4. 300 K

TARGET: ADDITIONAL CAPITAL CLIENT WITH EXISTING BUSINESS

POSITIONING: VALUE PREPOSITION “A COMPANY THAT VALUED HARDWORK” AND MALASAKIT

TO YOUR BUSINESS

DIFFERENTIATION: PERSONALIZED SERVICE, ACCESSBILE / WE

HAVE BRANCH NETWORK NATIONWIDE, WE HAVE SECURITY
PACKAGE BOTH ON OUR BORROWERS & COLLATERALS, NO. 1
NON-BANK AFFILIATED FINANCE CO.
DEVELOPING A MARKETING MIX FOR TARGET SERMENT:

4P’s - Product strategy: 1 day approval of loan, 3 days release of check upon
completion of loan documents

Price strategy: with reduce rates to 1.5% per month

Place/distribution
Strategy: develop acquaintances on companies that needs cargo
Truck
(DOLEPhil., STANFILCO, SUMIFRM, LAPANDAY,
TUNA INDUSTRIES & SUGAR CANE INDUSTRIES)
Private truckers association & private individuals

Promotion: with security package both on borrowers & collaterals

(insurance package)
Tapping our existing agent to push our products.
 SEGMENTATIONS

SOLID NORTH

MARKET : AGRI-BUSINESS (CORN/PALAY)

SMALL ENTREP TRADER/ WHOLE-

BENEFITS HAULERS RETAILER SUPPLIER
FARMERS FARMERS MIDDLEMAN SALER

SIZE Large (+) L (+) L (+) M M L (+) L (+)

GROWTH High (+) H (+) H (+) M M H (+) H (+)

COMPETITION Large (-) L (-) L (-) S (+) S (+) L (-) L (-)

SATURATION High (-) H (-) H (-) M M H (-) H (-)

INCOME Low (-) H (+) H (+) H (+) H (+) M H (+)

TARGET ; HAULERS

INC. BRACKET: 100 K / month

AGE OF BUSINESS: More than 3 years

LOANABLE: Up to 1M

COLLATERAL: Truck / REM

TERM: Up to 36 mos.

RATE: Flexible rate

POSITIONING STATEMENT: To the haulers, “kwarta ko, Igulong mo”

MARKET : PEOPLE WHO NEED IMMEDIATE CASH/CASH LOAN

BISDAK

BUSINESS PERSONAL CONSTRUCTION /

NEEDS/BENEFITS PLACEMENT FEE
NEEDS RENOVATION (HOUSE)

SIZE LARGE (+) L (+) M (-) M (-)

GROWTH HIGH (+) M (-) LOW (-) M (-)

COMPETITION HIGH (-) H (-) H (-) H (-)

SATURATION MEDIUM (+) M (+) LOW (+) M (+)

BUSINESS SEGMENATION FISHING TRANSPORT AGRIBUSINESS

SIZE MEDIUM (-) LARGE (+) MEDIUM (-)

GROWTH HIGH (+) HIGH (+) HIGH (+)

COMPETITION HIGH (-) HIGH (-) HIGH (-)

SATURATION MEDIUM (+) MEDIUM (+) MEDIUM (+)

TARGET - SIZE OF BLK. (SINGLE WITH OTHER SURCE INC.)

MARKET - VEHICLE OWNERS/ TRANSPORT SECTOR

INCOME CLASS - BC

OCCUPATION - EMPLOYMENT / BUSINESS

POSITION / USP - OFFERS FINANCIAL ASSISTANCE TO TRANSPORTATION

SECTOR THRU SIMPLE, AND FAST SERVICE

PRODUCT STRATEGY

TYPE : CAASH LOAN WITH COLLATERAL

COLLATERAL: AUTOMOTIVE
OTHER ACCEPTABLE COLLATERAL

TERM : MAXIMUM OF 3 YEARS (36 MONTHS)

PRICE STRATEGY

- FLEXIBLE / AFFORDABLE INTEREST RATE

DISTRIBUTION : TRANSPORT ASSOCIATION

AGENTS / AUTO DEALERS

PROMOTION : TARPAULIN / FLYERS

FAST RELEASE OF REFERRAL INCENTIVE