CASE 1

• Loan Application = 1.0 M

• Married
• Beg. Cash = 100,000.00
• Palay – 2.0 Hectares
– Recent prevailing price 16
– Past prevailing price 17
• Corn – 3.5
– Recent prevailing price 10
– Past prevailing price 12
• 2 Kids leaving in City
• Husband Salary 9,000.00

What’s your recommendation?

 CASE 2
• Loan Application = 500,000.00
• Married
• Beg. Cash = 70,000.00
• Palay – 4.0 Hectares
– Recent prevailing price 15
– Past prevailing price 13
• Corn – 1.5
– Recent prevailing price 12
– Past prevailing price 9.5
• 2 Kids leaving in rural
• Pension 3,000.00

What’s your recommendation?

 CASE 3
• Loan Application = 5,000,000.00
• Married
• Beg. Cash = 150,000.00
• Palay – 1.0 Hectares
– Recent prevailing price 15
– Past prevailing price 13
• Corn – 0.5
– Recent prevailing price 12
– Past prevailing price 9.5
• 2 Kids leaving in City
• Rent Income 30,000.00
 CASE 3 Cont.
Gasoline Business
Sales 2,300,000.00
Less: Cost of sales 1,725,000.00
Gross profit 575,000.00
Expenses 143,750.00
Net income 431,250.00

What’s your recommendation?

 Source of Expenses:
Harvest Average
Rice harvest per 1 hectare 25,000.00
Corn harvest per 1 hectare 22,000.00
 Source of Expenses:
Cost of living (Monthly) Single/ Married Per Child
Barrio (Min) family 3,500.00 550.00
Medium (Med)
5,000.00 800.00
family
City (Max) family 7,000.00 1,100.00