SHIVA SECURITY: A FEASIBILITY STUDY ON PROPOSED MULTI-

SENSORED ALARM SYSTEM AND CCTV INSTALLATION SERVICES IN

SELECTED MUNICIPALITIES IN RIZAL PROVINCE

A Feasibility Study

Presented to

The faculty of College of Engineering and Digital Technology

In Partial Fulfillment

Of the Requirements in

Technopreneurship

In

Bachelor of Science in Computer Engineering

JOHN REE BLANCO

FERDINAND PADILLA
VIJAYLYN LAZO
JEREMY GRADO
KERTLON EARL CELIS
 Chapter 1

EXECUTIVE SUMMARY

Shiva Security is a business firm offering services such as installation of

alarm systems, CCTVs, and selling electronic parts for repair and maintenance of

the alarm system.

Automated security vibration or detectors are an innovative technology

that helps make our home, office, businesses and any other establishments safer

from thieves or burglars. According to Law Insiders (N.D), Security Alarm

Systems can be a device or a series of devices that is intending to summon law

enforcement as a result of alarm conditions. A security alarm is a system

designed to detect intrusion unauthorized entry into a building or other area such

as a home or school. Security alarms are used in residential, commercial,

industrial, and military properties for protection against burglary (theft) or property

damage, as well as personal protection against intruders.

Touhy (2022) discusses that home security system aims to protect your

property and those inside it from burglary, home intrusion, fire, and other

environmental disasters. Professional monitoring services do this whether you're

aware of the problem or not, and they can also help in a medical emergency.

While a security system is a significant expense, the cost of a burglary

averaged Php 145,923.92 in 2019 (the latest data available), not to mention the

psychological impact it can have. With the help of the device that the researchers
are trying to create, the cost should have significantly decrease due to cheap

pricing compare to other security alarm systems in the market.

Philippine National Police (PNP) states that theft, rape and physical injury

were the top crimes from July 2022 to January 2023. Statistics shows that there

is a total of 6,682 reported theft cases in the country, an increase from 6,304

cases recorded from July 2021 to January 2022. (Cueto, 2023)

Due to the spread of the virus in the Philippines the government has

tightened its security measures and shut down big establishments. As a result,

the sources of income of our countrymen in the marginalized sector are greatly

affected. Vast majority of people lost their jobs and as a result, many cases of

robberies were reported. Researchers did this study to prevent robbery in homes,

businesses, and other establishments by quickly alerting home or business

owners that an intruder is trying to break in their premises.

Researchers did this study for businesses and the safety of our home as

well as to help provide an affordable technology for the safety of the user and

also to increase knowledge of safety awareness or alarms to prevent theft in our

environment.
Background of the Study

Technology advancement makes people's lives at ease. Now, there have

been various innovation which is relevant to different aspect of life which is

according to Dukes (2019), it promotes security. The author made it specific to

business industries. However, it is not just particular to businesses, instead,

technology is widely used in every life which leads to the creation of the

proposed security alarm system of the researchers.

Security system is designed to guard persons and property against a

broad range of hazards, including crime, fire, accidents, espionage, sabotage,

subversion, and attack (Jain, 2012). One of the most motives for innovation of

the said Security Alarm System is the increase in crimes, abduction, and robbery

in the world today. It is a dream to live and feel secure while living comfortably in

our own place. Due to poverty, one of the many big concerns in our security

today is the exponential growth of crime committed including robbery and theft

especially in the of the CoViD-19 Pandemic.

When the pandemic hit the country in the year 2020, it brings a great

impact on people's lives. For example, there is a limited income resources since

businesses are forced to shut down due to health and safety protocols

promulgated by the Philippine Government. As a result, goods and services

costed too high that many Filipinos are struggling to find resources in order to

afford the goods in the market. For these reasons, cases of crime were

committed, especially robbery and theft. This brought concern for security

measurement of everyone's life, family, and their properties. In line with this,
researchers want to conduct the said study to promote a better experience for

security with the end in mind of producing an automated security vibration or

detector, afterwards, its efficiency and effectiveness will be tested to increase

respondent's knowledge about a security system.

The Products and the Services

The company offers services such as installation of security alarm

systems and CCTV’s. The installation services will be available 24/7 on call to

ensure that the company will be able to cater its customers in time of need. The

available packages of services offered by the company are listed below.

4CH AHD 2MP 1080P CCTV

The package contains:

 1pc 4CH Hybrid Video

Recorder (HVR)
 4pcs AHD 2MP
Camera (2 Dome & 2
Bullet)
 4pcs 20M Pre-made
CCTV Cable
 2pcs 2way Power
splitter
 3pcs 2A Power
adapter
 1pc HVR Remote control
 1pc HVR Mouse
 1pc 1TB HDD Seagate

The contents and prices should vary when the customers ask for an

upgrade or downgrade.
MULTI-SENSOR SECURITY ALARM SYSTEM

 SR501 HC-SR501 PIR Motion Sensor

 Vibration Sensor SW-420
 Sound Sensor

Product/Services Price
4CH AHD 2MP 1080P CCTV 15, 000.00
INSTALLATION

MULTI-SENSOR SECURITY ALARM 2000.00

SYSTEM

The Market

The company’s marketing operations will be 24/7 and will be operated

through online platforms such as Facebook, Instagram and Twitter. The services

should be acquired by inquiries, calls and text trough the provided contact

information by the company.

There will be no physical store since the services doesn’t require a

physical store to operate. The online market is an innovative way of reaching and

propagating your services with a much larger population and will only requires

little efforts rather that running a physical store. The Social Media Pages should

be known as “SHIVA SECURITY”.

The company has a little resource for travelling equipment and therefore

limiting the operations within the area of Cainta, Antipolo City, and Taytay. The

Municipalities stated is selected via demography and since the three

municipalities are close to each other, the operation of service with a limited

travelling resources is possible.

Financial Considerations

This part of the study will tackle the financial considerations needed in

order to make the business feasible.

Table 1
Banking loan

Monthly Contractual Effective

Tenor Factor Rate
Rate Interest Rate Interest Rate
12 months 1.49% 0.0982333 31.51% p.a. 41.67% p.a.
18 months 1.59% 0.0714556 33.54% p.a. 42.93% p.a.
24 months 1.59% 0.0575667 33.19% p.a. 41.62% p.a.
36 months 1.69% 0.0446778 34.01% p.a. 41.94% p.a.

 Loan Amount – 2,000,000.00

 Term – 24 months

 Monthly Amortization – 115, 133.40

 Interest for 2 years – 763, 201.60

 Total Repayment – 2, 763, 201.60

Table 2
Financial Considerations on Permits
Permits Cost (In Peso)
Barangay Clearance 500.00
Business Permit (Mayor’s Permit) 2000.00
BIR Certificate of Registration 500.00
DTI BN Registration Certificate 500.00
TOTAL 3500.00

Table 3
Financial Considerations on Rents and Bills
Billings Cost (in Peso) Period
Electric 5000.00 Monthly
Water 1000.00 Monthly
 Internet and Telephone 1500.00 Monthly
Machinery Maintenance 5000.00 Monthly
TOTAL COST 17000.00

Table 4
Financial Considerations on Salary
Personnel Salary (In Peso) Period
Manager 1500.00 Daily
Human Resource Daily
1352.92
Manager
Electronics/Computer Daily
920.19
Engineer
IT Professional 767.00 Daily
Technician 1 (NCII) 570.00 Daily
Technician 2 (NCII) 570.00 Daily
Laborer 1 470.00 Daily
Laborer 2 470.00 Daily
Laborer 3 470.00 Daily
Laborer 4 470.00 Daily
Laborer 5 470.00 Daily
Laborer 6 470.00 Daily
TOTAL EXPENDITURES 8500.11

This chapter discusses about the process of production and the

activities of the business. It also states the equipment used in production
and other aspect regarding bringing the raw material into finished products
ready for trade. Plant layout, size and structures are all presented for the
purpose of identifying the business operation
This chapter discusses about the process of production and the
activities of the business. It also states the equipment used in production
and other aspect regarding bringing the raw material into finished products
ready for trade. Plant layout, size and structures are all presented for the
purpose of identifying the business operation

Mission

Our Mission is to provide a quality services and cheap electronic

equipment that will promote a safer place for every homeowner no matter the

social status is.

Vision
 We dream of providing Filipino people with comfort in their sleep.

To allow citizens to worry less about the safety of their loved ones and

provide the country with an eye watching their homes when the owners are deep

asleep.
 Figure 1
Vicinity Map of Cainta, Taytay, and Antipolo City
The foremost township of Rizal, Cainta has made a mark as a doorway to

the east. Through years of defeat and victory, the town now sprouts as a

booming city where nationalism and rich heritage are worth keeping.

Called a village back then, Cainta was already a flourishing farming place

before the arrival of Spaniards. During its founding year in 1571, it still belonged

to Taytay, Rizal. From being Jesuit-governed, it later became a portion of Pasig

administered by the Augustinians, but Cainta was handed back to the Jesuits by

Spain’s ruler in 1696. When Cainta became a freed town in 1760, there began a

short British incursion in Luzon. Some of those British Indian packs called

Sepoys settled with the inhabitants of Cainta. That confirms why some of its

present dwellers resemble uniquely. When the Americans governed in 1913,

Cainta and Angono were merged, with Taytay as the chair of governance. A year

after that, Cainta was detached and became a free municipality. That liberty has

been upheld up to present.

Antipolo City was named after tipolo (breadfruit) tree, which was in

abundance in the area. It was the Franciscan missionaries who first build the

church in the area, in 1578. However they were replaced by the Jesuits. These

new missionaries were the one who helped organized the village into a parish.

By 1601, the Christian population of Antipolo increased to 3,000 due to the

people of Dumagat who came and lived in the area.

In 1650, the village was organized into a town and became part of Tondo

Province. When the province was divided in 1853, Antipolo became a part of the
District of San Mateo de los Montes, which later became the District of Morong.

When the Americans came on June 4, 1899, the Revolutionary Government then

transferred Morong’s capital to Tanay. Soon after, the Americans established a

civil government in 1901 which was handled by Valentin Sumulong who served

as the first municipal president. On June 11, 1901, Antipolo was incorporated

into the newly established Province of Rizal, which included the towns of Morong

District and Manila Province. In 1903, Antipolo, Boso-Boso and teresa were

merged. The town’s territory was expanded again in 1913 to add the sitios of

Mayamot and Bulao; just to lose Teresa six years later to become an

independent municipality. The Manila Railroad Company inaugurated a railway

service to Antipolo on December 24, 1908.

The Municipality of Taytay is a first class, densely populated municipality

in the province of Rizal, Philippines. The National Competitiveness Council has

named Taytay as the "1st Most Competitive Municipality (1st & 2nd Class)", for

year 2018, after Cainta. Conurbated with Metro Manila, it is bounded by Cainta

on the north, Pasig City and Taguig City on the west, Antipolo City in the East

and Angono on the South. It is the "Woodworks and Garments Capital of the

Philippines". While economically, demographically and politically qualified, plans

to convert it into a city was set aside, pending social and administrative reforms

in the municipality.

The National Competitiveness Council has named Taytay as the 2nd Most

Competitive Municipality (1st & 2nd Class) in 2016 from being 10th place in 2014

and being 3rd place in 2015.

 Taytay is one the municipalities in the Philippines that has high financial

capability with Php 622 million making it the 3rd Richest Municipality in the

Philippines in 2015.

The municipality's population as of 2015 is 319,104 and is the 3rd Most

Populous Municipality in the Philippines.

Taytay can be reached from Metro Manila by C-6 Road passing from

Parañaque, Muntinlupa and Taguig on the south, Ortigas Avenue from Pasig City

on the east, and M.L. Quezon Avenue from Angono on the west.

Figure 2
Hazard Map showing Landslide prone areas in
Cainta, Taytay, and Antipolo City

Generally, the municipality of Cainta, Taytay and Antipolo City is safe and

has almost none recorded event of landslide except for the Barangay San Juan,

Antipolo City that has a landslide rating of 0.02. The area is highlighted with a

touch of yellow to represent the area that is being discussed.

 Figure 3
Hazard Map showing the Flood Prone areas in
Cainta, Taytay, and Antipolo City

Contrary to the expected result, this map states that the municipality of

Cainta, Taytay, and Antipolo City are not a flood prone area. The blue highlight

on this map means that there is a zero risk of flooding with respect to the rising

sea level.

Figure 4
Hazard Map showing the Active Fault lines near
Cainta, Taytay, and Antipolo City
 The nearest Active Fault Line is the West valley fault that is located in

Metro Manila. The said fault line is 4.8 kilometers away from the nearest

municipality in the fault line, Cainta. Generally, there is no active fault line lying

below the grounds of Cainta, Taytay, and Antipolo City.

Vicinity Population
Table 5
Table of Vicinity Population

Municipality Population
Cainta 376,933
Taytay 386, 451
Antipolo City 887,399
Total population 1,650,783

Cainta is a municipality in the landlocked province of Rizal.

The municipality has a land area of 42.99 square kilometers or 16.60

square miles which constitutes 3.64% of Rizal's total area. Its population as

determined by the 2020 Census was 376,933. This represented 11.32% of the

total population of Rizal province, or 2.33% of the overall population of

the CALABARZON region. Based on these figures, the population density is

computed at 8,768 inhabitants per square kilometer or 22,707 inhabitants per

square mile.

Antipolo is a component city in the landlocked province of Rizal. It serves

as the provincial capital.

The city has a land area of 306.10 square kilometers or 118.19 square miles

which constitutes 25.88% of Rizal's total area. Its population as determined by

the 2020 Census was 887,399. This represented 26.65% of the total population
of Rizal province, or 5.48% of the overall population of

the CALABARZON region. Based on these figures, the population density is

computed at 2,899 inhabitants per square kilometer or 7,508 inhabitants per

square mile.

Taytay is a municipality in the landlocked province of Rizal.

The municipality has a land area of 38.80 square kilometers or 14.98 square

miles which constitutes 3.28% of Rizal's total area. Its population as determined

by the 2020 Census was 386,451. This represented 11.60% of the total

population of Rizal province, or 2.39% of the overall population of

the CALABARZON region. Based on these figures, the population density is

computed at 9,960 inhabitants per square kilometer or 25,798 inhabitants per

square mile.

Survey

The researchers conducted a survey that is found relevant to the study.

The questionnaire are consisting of 3 questions: What are the main

products/services do you offer?; How many customers are visiting your store

everyday?; and In what day in the week that the customers are most likely to visit

your store?

Survey was conducted in two organizations for comparison of data that

will help the researchers on decision makings in the process of the study. The

two organizations are RTuazon CCTV n’ Computer Services and Systems and

Electronics Enterprise.
 Table 6
Table showing the comparative answers of the two organizations

ORGANIZATIONS
Computer Services
QUESTIONS RTuazon CCTV n’ and Systems and
Computer Services Electronics Enterprise

1. What are the main

SECURITY SYSTEM SECURITY SYSTEM
products/services
SUPPLIER SUPPLIER
do you offer?
2. How many
customers are
visiting/calling
3-5 13-15
your store (if have
any physical store)
everyday?
3. In what day in the
week that the
customers are SATURDAYS AND
SUNDAY
most likely to visit SUNDAYS
your store?

The result states that both of the company offers services related to

supplying security systems. Meanwhile, Computer Services and Systems and

Electronics Enterprise got the highest customers calling/vising their store than

RTuazon CCTV n’ Computer Services which only has 3-5 customers daily. The

peak of the customers visiting/calling their company is both in the weekend

probably because the customers will most likely to buy stuff when they are free or

doesn’t have a job to do.

 This table suggests that services like supplying security systems such as

CCTV is not a bad idea and can be a good idea of business.

Chapter 2

BUILDING ESTIMATE

This chapter discusses the expenses needed in building the business

office and other functional spaces. It will also show the proposed building through

Computer Aided Drafting Designs.

Figure 5
Floor Plan of the Building
 Figure 6
Front Side Elevation of the Building

Figure 7
Left Side Elevation of the Building

Figure 8
Right Side Elevation of the Building
 Figure 9
Rear Side Elevation of the Building

Figure 10
The Septic tank Plan

Figure 11
The Electrical Plan
 Figure 12
Perspective View of the Building
Chapter 3

MACHINERY AND OFFICE EQUIPMENT ESTIMATE

This chapter discusses about the Machinery and Office Equipment that is

found relevant in the process of production and other activities of the business. It

will also state the Equipment’s used in production and other aspect bringing the

raw material into finished product ready for trade and services.

Machinery and Equipments

This chapter discusses about the process of production and the

activities of the business. It also states the equipment used in production
and other aspect regarding bringing the raw material into finished products
ready for trade. Plant layout, size and structures are all presented for the
purpose of identifying the business operation
This chapter discusses about the process of production and the
activities of the business. It also states the equipment used in production
and other aspect regarding bringing the raw material into finished products
ready for trade. Plant layout, size and structures are all presented for the
purpose of identifying the business operation
This chapter discusses about the process of production and the
activities of the business. It also states the equipment used in production
and other aspect regarding bringing the raw material into finished products
ready for trade. Plant layout, size and structures are all presented for the
purpose of identifying the business opg
Equipment’s Description Unit Price Total
 Amount
nd
L300 Van 2
Condition
Hand
Quantity 1
Model Mitsubishi ₱ 100,000 ₱100,000.00

Extension Cords Brand

Condition
New
Quantity 5
Model Standard ₱ 300.00 ₱ 1,500.00

Water Dispenser Condition Brand

New
Quantity 1
₱ 3,500.00 ₱ 3,500.00
Model Hanabishi

Condition Brand
Air conditioner New
Quantity 1
Model Condura
₱ 13,000.00 ₱ 13,000.00

Office Chair 1,300.00 3,900.00

Condition Brand
New
Quantity 3
Model Standard
Monobloc Chair 380.00 12,400.00

Condition Brand
New
Quantity 20
Model Standard

Office Table 5,000.00 15,000.00

Condition Brand
New
Quantity 3
Model Standard

Electric fan ₱ 1,425.00 ₱

5,700.00

Brand
Condition
New
Quantity 4
Model Hanabishi

Lights ₱ 265.00 ₱2,650.00

Condition Brand
New
Quantity 10
Model Firefly

CCTV Set ₱ ₱30,000.0

Condition Brand 15,000.00 0
New
Quantity 2
Model Standard
 Printer ₱ ₱ 4,000.00
4,000.00
Condition Brand
New
Quantity 1
Model HP
Inkjet
Calculator ₱ 250.00 ₱ 500.00
Condition Brand New
Quantity 2
Model Casio

Ladder ₱5,299.0 ₱5,299.00

0

Condition Brand
New
Quantity 1
Model Standard

Power drill ₱5,250.0 ₱5,250.00

0
Condition Brand
New
Quantity 1
Model Standard

₱560.00 ₱560.00
Condition Brand
New
Quantity 16
Drill bits Model Standard
Electric Heavy Duty ₱1,570.0 ₱1,570.00
0

Condition Brand
New
Quantity 6
Model Standard

Screwdrive

Hammer ₱499.00 ₱2,994.00

Condition Brand
New
Quantity 3
Model Standard

Cable stripper ₱866.00 ₱2,598.00

Condition Brand
New
Quantity 3
Model Standard

BNC crimp tool ₱1,049.0 ₱1,049.00

0
Condition Brand
New
Quantity 1
Model Standard
Cutter and Stanley knife ₱295.00 ₱885.00
Condition Brand
New
Quantity 3
Model Standard

Pliers ₱980.00 ₱980.00

Condition Brand
New
Quantity 4
Model Standard

Cctv cable wire ₱1,260.0 ₱1,260.00

0
Condition Brand
New
Quantity 1
Model Standard

Electrical tape ₱115.00 ₱115.00

Condition Brand
New
Quantity 10
Model Standard
 Raw plugs ₱31.00 ₱31.00

Condition Brand
New
Quantity 100
Model Standard

TOTAL=₱209, 941.00

Chapter 4

SUPPLIES ESTIMATE

SUPPLIES ESTIMATE

Office Supply Quantity Unit Price Total

amount
Ball pen

10 ₱ 15.00 ₱ 150.00

Pencil

10 ₱ 10.00 ₱ 100.00

Marker

5 ₱ 40.00 ₱ 200.00
 Fastener

5 box ₱ 20.00 ₱ 100.00

Folder

₱ 10.00
10 ₱ 100.00

Bond paper

1 Bundle ₱ 200.00 ₱ 200.00

Cartridges

4 Colors ₱ 500.00 ₱ 2000.00

Tissue

20 Rolls ₱ 15.00 ₱ 300.00

 Trash bag

2 Rolls ₱ 200.00 ₱ 400.00

Disinfectant

5 ₱ 150.00 ₱ 750.00

Diesel
1,200L/monthly ₱ 44.14 ₱ 52,968.00

Cctv cable wire

300 meters ₱4,000.00 ₱4,000.00

Electrical tape

50 ₱49.00 ₱2450.00
 Raw plugs

1000 ₱1.00 ₱1,000

2 MP AHD Bullet Camera

50 800 ₱40,000

2 MP AHD Dome Camera

50 600 ₱30,000

2 Way Power Splitter

100 45 ₱4,500.00

2A Power adapter

100 63 ₱6,300.00
 HVR Remote control

100 50 ₱5,000.00

HVR Mouse

100 115 ₱11,500.00

1TB HDD Seagate

100 2,100 ₱210,000.00

Multi-Sensor Alarm System

100 1500 ₱150,000.00

Total = 522, 018

 Chapter 5

mith F. Frias and Mr.

Godwin S. Manuel. It is
specifically a general
partnership because the
partners will be responsible
in management and the
financial responsibilities of
the partnership. The two
owners will share in all the
profit of the
business. The profit will
be equally divided into
two. We choose
partnership because it is
inexpensive to start and less
expenses.
ORGANIZATIONAL CHART AND PROPOSED SALARIES

mith F. Frias and Mr.

Godwin S. Manuel. It is
specifically a general
partnership because the
partners will be responsible
in management and the
financial responsibilities of
the partnership. The two
owners will share in all the
profit of the
business. The profit will
be equally divided into
two. We choose
partnership because it is
inexpensive to start and less
expenses.
The Coco Crash is a
partnership type of
organization which is
owned by six people
specifically by Ms. Christine
Jane C. Arriaga, Ms. Maricar
C. Balansi, Ms. Mary Ann B.
Detorio,
Ms Krystell Lovely C.
Habiling, Mr. King Smith F.
Frias and Mr. Godwin S.
Manuel. It is
specifically a general
partnership because the
partners will be responsible
in management and the
financial responsibilities of
the partnership. The two
owners will share in all the
profit of the
business. The profit will
be equally divided into
two. We choose
partnership because it is
inexpensive to start and less
expenses.
The Coco Crash is a
partnership type of
organization which is
owned by six people
specifically by Ms. Christine
Jane C. Arriaga, Ms. Maricar
C. Balansi, Ms. Mary Ann B.
Detorio,
Ms Krystell Lovely C.
Habiling, Mr. King Smith F.
Frias and Mr. Godwin S.
Manuel. It is
specifically a general
partnership because the
partners will be responsible
in management and the
financial responsibilities of
the partnership. The two
owners will share in all the
profit of the
business. The profit will
be equally divided into
two. We choose
partnership because it is
inexpensive to start and less
expenses.
This Chapter will discuss the Name of the company and its origin, the

Type of Organization, Organizational Chart, Manpower Resources and Proposed

Salaries.

Name of the Firm

Coco Crash Enterprises is an

enterprise that promotes eco-
friendly by using banana leaf
and
the coconut shell as one of
their materials. The name
Coco Crash is formulated
because coconut
is the main ingredients of
their product. Coco Crash
means to use the product of
coconut tree as
productive and delicious
Shiva Security is an enterprise that promotes security of the security with

its high-end security CCTV cameras and an innovative product that ensures your

safety in the comfort of your own homes. The name Shiva Security is formulated

because the alarm system which is the flagship of this company has three

different security sensors as Hindu God Shiva has 3 eyes. Shiva Security means

to protect your home with 3 useful sensors acting as your eyes when you are

asleep.

Type of Organization

The Shiva Security is a partnership type of organization that is

owned by five (5) people specifically by Mr. John Ree Blanco, Mr. Ferdinand

Padilla, Ms. Vijaylyn Lazo, Mr. Jeremy Grado, and Mr. Kertlon Earl Celis. It is

specifically a general partnership because the partners will be responsible in

management and the financial responsibilities of the partnership. The owners will

share in all the profit of the business. The profit will be equally divided
 into five. We choose partnership because it is inexpensive to start and

less expenses will be expected.

OWNERS

HUMAN
RESOURCE
MANAGER MANAGER

ELECTRONICS
IT ENGINEER
PROFESSIONAL

TECHNICIAN 1 TECHNICIAN 2

LABORER 1 LABORER 2 LABORER 3 LABORER 4 LABORER 5 LABORER 6

 Figure 13
Organizational Chart of the Company

The figure above shows the different position in the organization. It also

entails that if something is wrong in the company they would know whom are

they going to approach.

Manpower Resources

Table 7
Total number of necessary employees

POSITION NO. OF EMPLOYEES

Human Resource Manager 1
Manager 1
Electronics Engineer 1
IT Professional 1
Electronics Technician 2
Laborer 6
TOTAL NUMBER OF EMPLOYEES 12

Job Descriptions and Qualifications

This part will discuss the Job Descriptions and their qualifications for the

applicants to qualify in this job positions.

Human Resource Manager (HR). are professionals tasked with strategic

planning for staffing, conducting interviews, and hiring personnel to foster a

productive work atmosphere. They consult executives on decisions impacting all

management levels, fostering sustainable transformation within their business or

company.
  Bachelor’s degree in human resources management or equivalent.

 Experience in human resources or related field.

 Ability to build and maintain positive relationships with colleagues.

 Experience in educating and coaching staff.

 Experience in conflict resolution, disciplinary processes, and workplace

investigations.

 Experience in following and maintaining workplace privacy.

 Ability to give presentations.

 Knowledge of relevant health and safety laws.

 Experience using computers for a variety of tasks.

 Competency in Microsoft applications including Word, Excel, and Outlook.

Manager. Managers ensure that their assigned department, store, or district

is well staffed and provisioned, adheres to quality and service standards, increases

revenue and market share, and helps the business accomplish its goals. They hire

and train employees, help develop and implement business strategies, and perform

a variety of other tasks to ensure the business is thriving.

 Bachelor’s degree in business, management, or related field.

 More education or experience may be preferred or required.

 Strong understanding of business management, financial, and leadership

principles.
  Excellent communication, interpersonal, leadership, coaching, and conflict

resolution skills.

 Time and project management skills.

 Ability to analyze processes and information, identify problems and trends,

and develop effective solutions and strategies.

 Commitment to providing exceptional service to customers and support to

staff members.

Electronics Engineer. Design electronic components, software, products,

or systems for commercial, industrial, medical, military, or scientific applications.

Analyze customer needs and determine the requirements, capacity, and cost for

developing an electrical system plan.

 Bachelor's degree in engineering or similar.

 Master's degree preferable.

 A relevant license may be required.

 Practical experience with design software.

 Experience in design recommended.

 Excellent problem-solving and troubleshooting skills.

 Strong written, verbal, and telephonic communication skills.

 Excellent research and interpersonal skills.

 Strong analytical skills.

 Willingness to work overtime if required.

 IT Specialist. IT specialists, or information technology specialists, install,

monitor, and troubleshoot computer hardware and software systems.

 High school diploma.

 Degree in computer science or a related field is preferable.

 Professional certification (e.g. CCNS, CISSP, MCSE).

 Strong analytical, diagnostic, and problem-solving skills.

 Good communication ability, both written and verbal.

 Personable, professional demeanor.

Electronics Technician. Electronics technicians design electronic components,

and repair, install, service, and update existing electronic systems. They may write

reports and manuals, and perform their duties in offices, factories,

telecommunications industries, and various other settings where electronics are

used. They also interpret drawings and provide training.

 Degree or completed coursework in engineering or electronics.

 A Relevant certificate or license may be required.

 Strong analytical and problem-solving skills.

 Good hand-eye coordination and physical dexterity.

 Sound knowledge of health and safety regulations.

 Ability to remain calm under pressure.

 Excellent written, verbal, and telephonic communication skills.

 Great interpersonal skills.

  Passion for Electronics.

 Willingness to learn and accept constructive feedback.

Proposed Salaries

Table 8
Proposed Salaries and Monthly total wages

POSITION RATE OF EMPLOYEE/ RATE OF EMPLOYEE/

DAILY (Peso) MONTHLY (Peso)
Human Resource 1500.00 39,000.00
Manager
Manager 1352.92 35,175.92
Electronics Engineer 920.19 23,924.94
IT Professional 767.00 19,942.00
Technician 570.00 14,872.00
Laborer 470.00 12,220.00
TOTAL WAGES MONTHLY 145,134.86

SSS Pagibig Philhealth

Gross Daily Withholdin Net
Employees g Tax
Pay wage Pay
EE ER EE ER EE ER

Human
39,000.0 1500.0 190 90 10 10 31,719.6
Resource 1170 1170 1.940.40
Manager
0 0 0 0 0 0 0

35,175.9 1352.9 190 90 10 10 1055.2 1055.2 28,485.4

Manager 2 1,350.44
2 0 0 0 0 8 8 8

Electronics 23,924.9 190 90 10 10 19,489.4

Engineer 4 920.19 0 0 0 0
717.75 717.75 0
4

IT 19,942.0
190 90 10 10 15,745.4
Professiona 0 767.00 0 0 0 0
598.26 598.26 0
8
l
14,872.0 142 67 10 10 11,679.6
Technician
0 570.00 5 5 0 0
446.16 446.16 0
8

12,220.0 123 58 10 10
Laborer
0 470.00 5 5 0 0
366.60 366.60 0 9,466.80
 Chapter 6

CASHFLOW
CASH FLOW STATEMENT/PROJECTIONS
January February March April May June July August September October November December
2024 2024 2024 2024 2024 2023 2023 2023 2023 2023 2023 2023
Cash Inflows
Opening Cash 6,446,740.04 5,834,603.78 5,222,467.52 4,610,331.26 4,398,195.00 2,000,000 1,119,557.60 2,007,421.34 2,895,285.08 3,783,148.82 4,671,012.56 5,558,876.30
Balance
Revenues 877,800
Sales 50,000 50,000 50,000 100,000 150,000 200,000 200,000 200,000 200,000 200,000 200,000
Service 150,000 150,000 150,000 500,000 1,000,000 1,500,000 1,500,000 1,500,000 1,500,000 1,500,000 1,500,000

Cash Outflows
Fixed Costs
Machinery/Office 209,941
Equipment
Supplies and 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018 522, 018
Consumables
Rent
Insurance 2350 2350 2350 2350 2350 2350 2350 2350 2350 2350 2350 2350
Fees (Banking,
Licenses, 3500
Permits, Etc.
Amortization 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40 115,133.40
Variable Costs
Payroll 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86 145,134.86
Shipping Costs 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000 5000
Maintenance 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000 5,000
Hired labor
Utilities 17500 17500 17500 17500 17500 17500 17500 17500 17500 17500 17500 17500
Marketing
Spend

Ending Cash 5,834,603.78 5,222,467.52 4,610,331.26 4,398,195.00 4,736,058.74 1,119,557.60 2,007,421.34 2,895,285.08 3,783,148.82 4,671,012.56 5,558,876.30 6,446,740.04
Balance
 Chapter 7

BANK INTEREST RATE

Banking loan

Monthly Contractual Effective

Tenor Factor Rate
Rate Interest Rate Interest Rate
12 months 1.49% 0.0982333 31.51% p.a. 41.67% p.a.
18 months 1.59% 0.0714556 33.54% p.a. 42.93% p.a.
24 months 1.59% 0.0575667 33.19% p.a. 41.62% p.a.
36 months 1.69% 0.0446778 34.01% p.a. 41.94% p.a.

 Loan Amount – 2,000,000.00

 Term – 24 months

 Monthly Amortization – 115, 133.40

 Interest for 2 years – 763, 201.60

 Total Repayment – 2, 763, 201.60

Application Requirements and Eligibility

Applicant must:

 Be a Filipino citizen or Foreign National permanently residing in the

Philippines.

 Be at least 21 years old during application and not more than 65

years old upon loan maturity.

 Have at least one fixed landline number (either home or business)

and a mobile number. (Mobile number will not be accepted as a

stand-alone contact number).

  Have a Gross (basic) monthly income (GMI) must be at least

Php15,000 or basic annual income or must not be less than

Php180,000.

Documentary Requirements

Requirements Upon Loan:

 Completely filled-out EastWest Online Personal Loan Application

Form

 Photocopy of at least one (1) valid digitized photo-bearing and

signature-bearing I.D.'s issued in the Philippines (i.e. Driver's

License, Philippine Passport, Professional Regulation Commission

(PRC) I.D., SSS I.D., BIR ID, Voter's I.D., Integrated Bar of the

Philippines I.D., and Unified SSS/GSIS and TIN I.D.). Company

I.D.'s issued by private entities or institutions registered with or

supervised or regulated either by the BSP, SEC or IC may also be

submitted.

o (For Foreign Nationals Only) ANY of the following Proof of

Residence: Alien Certificate of Registration, Immigrant

Certificate of Registration or Photocopy of Resident Visa

stamp on Passport

Proof of Income

If employed, submit ANY of the following:

  Photocopy of latest ITR/BIR Form 2316; or

 Photocopy of latest three months pay slips; or

 Certificate of Employment stating Salary, Position and Date

Employed and ITR or Pay slips; or

 Valid Credit Card reference or its latest Credit Card Statement of

Account

Note: Other documents may be required for further verification.

 If self-employed, submit ANY of the following:

 Photocopy of latest ITR/BIR Form 1701 and Audited Financial Statements

 DTI Registration Certificate (for Sole Proprietorship) or SEC Registration

Certificate with page stating shares owned by the applicant (for

Partnerships or Corporations)

 Business Permit

 Valid Credit Card reference or its latest Credit Card Statement of Account

 Other documents may be required for further verification such as a

Mayor's Permit.

 Note: All documents submitted/ presented must be under the name of the

applicant (correct spelling required, include suffix if applicable).

 Requirements Upon Loan Release:

 Original Copy of documents submitted (to be presented only)

 Two (2) Valid ID's

 One to be presented to the EastWest Personal Loan Releasing Unit as ID

verification
  One to be presented to the lobby Guard of the building

 Original signed application form

 Post Dated Checks — Fully accomplished and signed (Kindly ensure that

the PDCs that you will issue have no erasures, correction and/or

alteration.)

 Requirements for Delivery and Credit to Account option

 Photocopy of one (1) valid ID (submitted upon initial application) with 3

specimen signatures

 Original Copy of documents submitted (to be presented only).

 Post Dated Checks — Fully accomplished and signed (Kindly ensure that

the PDCs that you will issue have no erasures, correction and/or

alteration.)

Terms and Condition

IMPORTANT: Please carefully read these Terms and Conditions Governing

EastWest Personal Loan that constitute the Agreement between East West

Banking Corporation ("Bank") and the Borrower. By signing the Promissory Note,

the Borrower acknowledges receipt of a copy of the instrument including the

Disclosure Statement on loan transaction and loan amortization schedule prior to

the consummation of the credit transaction. The Borrower further confirms that

he/she has read, fully understands and fully agrees with the Terms and

Conditions of the Promissory Note and acknowledges that he did not sign the
instrument with any blank space thereon.

1. The Obligation. The Obligation refers to the obligations arising from the

loan extended by the Bank to the Borrower under this Promissory Note

(“PN”), including increases, renewals, extensions, restructurings,

amendments, or novations thereof. The Obligation shall include the

principal, interest, penalties, fees, and other charges that appear in the

accounts, books, and records of the Bank, whether direct or indirect,

principal or accessory, contingent or otherwise, which are presently or

hereafter owing to the Bank, and all expenses which the Bank may

advance or incur in enforcing any of its rights, powers, and remedies

under this PN.

2. Applicability of the Terms and Conditions of the Promissory

Note. Whenever this PN refers to the Borrower, the same shall also refer

to the Co-Borrower. Therefore, all obligations of the Borrower under this

PN shall also be deemed the obligations of the Co-Borrower.

3. Representations and Warranties of the Borrower. The Borrower

represents and warrants that:

 This PN has been authorized by all necessary acts and

deeds, and when executed and delivered as contemplated

herein, will be valid and binding in accordance with its terms

and conditions; and

  There is no pending, impending, or threatened action or

proceeding before any court or government agency which

may materially and adversely affect the financial condition or

capacity of the Borrower to promptly and fully pay the

Obligation and such capacity shall remain unimpaired.

4. Borrower Covenants and Undertakings. The Borrower covenants and

undertakes that:

 Use of Loan Proceeds. The proceeds of his/her Personal

Loan will not be used for any purpose or in any endeavor

which is against Philippine laws, rules or regulations.

Furthermore, the proceeds of his/her Personal Loan will be

used for the purpose stated on his/her application.

 Other Deeds. The Borrower shall execute and deliver such

further instruments and perform such other acts as the Bank

may deem necessary or proper to more effectively carry out

the intention of this PN; and

 Fees. The Borrower shall pay any and all taxes, fees, and

expenses in connection with the execution of this PN,

including any extension, renewal, amendment, or

cancellation of this PN. Fees and charges which are

deducted from the loan proceeds shall be non-refundable in

any case.
  Performance of Agreement. The Borrower shall pay the

Obligation and perform all covenants and agreements set

forth in this PN.

5. Due Date. If the due date of this PN or of any installment payable

hereunder falls on a holiday or a non-working day, the Due Date shall be

understood to be the immediately following business day.

6. Adjustment. If there is any extraordinary increase or decrease in the

effective purchasing power of the Philippine currency, the Bank shall have

the right to make corresponding adjustments in the interest rate under this

PN which, except for manifest error in the computation thereof, shall be

conclusive upon the Borrower. A change of at least fifteen percent (15%)

in the Consumer Price Index for Manila from the date of this PN as set

forth in the figures released by the Bangko Sentral ng Pilipinas (“BSP”), or

other agencies of the Philippine Government should the figures of the BSP

be unavailable, shall be regarded as an extraordinary increase or

decrease in the effective purchasing power of the Philippine currency. If

the Borrower disagrees with the adjustment, the Borrower shall, subject to

Section 8 hereof, have the right to prepay this PN within thirty (30) days

from receipt of the notice of adjustment from the Bank. If the Borrower

does not prepay this PN within the said 30-day period, the Borrower shall

be deemed to have agreed to the adjustment.

7. Additional Taxes and Statutory Fees. Any additional taxes, fees, and

charges that may be imposed on the Obligation under this PN, pursuant to
 law, executive issuances, or other rules and regulations enacted and

issued by the Philippine Government, its agencies and other

instrumentalities during the effectivity of this PN, shall be automatically

included herein and the Borrower shall be liable for these additional

charges without necessity of executing any notice, new agreement or

other document. The Bank shall have the right but has no obligation to

apply any installment payment for the payment of these additional taxes,

fees, or charges.

8. Continuing Liability. The Borrower shall continue to be liable with

respect to his/her obligations to the Bank during any extension or renewal,

in whole or in part, of this PN and/or following a partial payment of this PN,

and/or following any change in the interest rate or other terms and

conditions of this PN as a result of such extension, renewal and/or partial

payment, without the necessity of executing a new promissory note.

9. Loan Processing Fee. The Borrower shall pay a one-time fee imposed to

answer for the cost of processing the loan application. The loan

processing fee shall be One Thousand Nine Hundred Pesos

(Php1,900.00) and shall be deducted from the loan proceeds.

10. Prepayment. In case of prepayment of this PN, the outstanding net

obligation shall be computed based on the principle of diminishing

balance. If the Loan is prepaid before maturity, the Borrower is entitled to

an interest rebate (where the computation is also based on the principle of

diminishing balance). The Borrower, however, will be charged a

processing fee equivalent to Five Hundred Pesos (PhP500.00) or eight

percent (8%) of the principal balance of the Obligation, whichever is

higher. Furthermore, whenever applicable, the Borrower shall be charged

the cost of any item given to him as incentive for the availment of a

Personal Loan in accordance with the terms and conditions governing the

grant of such incentive. Prepayment of this PN shall be processed and

posted only after Borrower shall have paid the prepayment processing fee,

the outstanding net obligation and the cost of any item given to the

Borrower as incentive for the availment of a Personal Loan, if applicable,

through any of the Bank’s branches. Proof of payment of said items must

be submitted to the Bank at least ten (10) banking days before the due

date of his/her next amortization. Failure of the Borrower to submit the

proof of payment of said items within the prescribed time shall entitle the

Bank to deposit the post-dated check issued by the Borrower for the next

amortization and the Borrower shall hold the Bank free and harmless for

any fees, charges, and losses that the Borrower may incur in case such

post-dated check is deposited by the Bank. The Borrower hereby

authorizes the Bank to destroy any and all post-dated checks issued by

the Borrower to the Bank in connection with the Obligation and/or this PN

thirty (30) days after receipt by the Bank of the proof of payment of the

prepayment processing fee, the outstanding net obligation and the cost of

any item given to the Borrower as incentive for the availment of a Personal

Loan. The Borrower hereby agrees to hold the Bank free and harmless
 from any liability in connection with such destruction of the subject post-

dated checks.

11. Check Retrieval and Replacement. Retrieval and replacement of post-

dated checks initially issued by the Borrower to the Bank upon claiming by

the Borrower of his/her loan proceeds shall be charged a fee of Two

Hundred Pesos (PhP200.00). Check retrieval and replacement shall be

processed only after the Borrower shall have paid the check retrieval and

replacement fee through any of the Bank’s branches and submitted the

complete replacement checks and proof of payment of the check

replacement fee to the Bank at least ten (10) banking days before the due

date of the Borrower’s next amortization. Should the Borrower fail to

submit the complete replacement checks and proof of payment for the

check retrieval and replacement fee within the prescribed time, the

Borrower must settle his/her next amortization by funding the checking

account from which he issued his/her original post-dated checks or

through an over-the-counter payment at any of the Bank’s branches. The

Borrower shall not hold the Bank liable for any fees, charges, and losses

that the Borrower may incur in case any post-dated check intended to be

replaced by the Borrower is deposited by the Bank due to the Borrower’s

failure to submit the said requirements for check replacement within the

prescribed time.

12. Check Disposition. Checks issued by the Borrower which the Bank will

no longer negotiate due to replacement, payment over-the-counter or for

 any other reason shall be destroyed within a period of thirty (30) days from

the date of check replacement or Borrower’s notification of pre-payment,

full payment, or payment over-the-counter duly supported by the proof of

payment without notice to the Borrower. The Borrower holds the Bank free

and harmless from any liability in connection with the destruction of the

checks.

13. Payments.

 The payment may be made through checks, Auto Debit

Arrangement (ADA) or any other payment facility of the Bank

subject to existing terms and conditions.

 Check payments received after clearing cut-off time shall be

value dated the next banking day. Payments made by check

or other negotiable instruments shall produce the effect of

payment only when the same shall have been cleared.

 Acceptance by the Bank of payments made after the

Borrower has delayed or defaulted in the performance of

his/her obligations shall not prejudice the Bank’s rights to

claim full payment and exercise its rights and remedies

under this PN or prejudice pending legal actions filed by the

Bank.

 Acceptance of late or partial payments shall not be

construed as a waiver or estoppel on the part of the Bank.

  Payment/s made by third person/s shall not constitute a

novation of the original loan agreement.

14. Default. Each of the following events, irrespective of the reasons for its

occurrence or whether it is voluntary or involuntary, constitutes an event of

default:

 Failure to pay on a due date any installment, interest,

penalty, or amount payable under this PN, whether at

maturity, by acceleration or otherwise;

 Failure to perform any of the terms and conditions of this PN

or of any agreement evidencing indebtedness;

 Death of the Borrower;

 Severance or termination of employment of the Borrower;

 The insolvency of the Borrower, the making by the Borrower

of a general assignment for the benefit of other creditors, the

commencement by or against the Borrower or any

proceeding for insolvency, suspension of payments,

appointment of receiver, foreclosure, or the issuance of a

writ or order of attachment, garnishment, execution or similar

act against the property, assets or income of the Borrower;

 Any information, representation, or warranty made by the

Borrower in connection with the Obligation shall become or

shall prove to have been false when so made, given or

 furnished, including the use of the loan or a purpose other

than that stated in this PN; or

 The Bank's good faith belief at any time that the prospect of

payment of the Obligation or the performance of this PN is

impaired as shown by a default with respect to other

obligations of the Borrower to the Bank under any other

credit accommodation, the sale or disposition of any

substantial portion of the assets or property of the Borrower,

a default in any obligations of the Borrower to a third party,

or such other circumstances and conditions which materially

and adversely affect the financial standing of the Borrower or

the ability of the Borrower to perform his/her obligations

under this PN.

15. Remedies. Upon the occurrence of any event of default, the Bank shall

have all the rights and remedies available under the law, including but not

limited to:

 Acceleration.  The Bank may, without notice or demand to

the Borrower, accelerate the payment or performance of any

or all of the obligations of the Borrower hereunder.

 Right to Set-off.  All deposits, placements, or other

properties belonging to the Borrower that are in the

possession, custody, or control of the Bank may be applied

 by the Bank to the payment of the Obligation without need of

further notice to the Borrower. The Bank is hereby

irrevocably constituted and appointed the attorney-in-fact of

the Borrower, with full power and authority and without prior

notice, to debit from and set-off or apply to the payment of

the Obligations any funds which the Borrower may have

deposited with the Bank, or which the Bank may have in its

possession or control, including all or any interests or other

income which may accrue thereon, including but not limited

to time deposit accounts and/or long-term investments,

which the Bank is hereby authorized to pre-terminate

accordingly, to convert the funds into Philippine peso if

denominated in foreign currency at the prevailing exchange

rate at the time of set-off or pre-termination, it being

understood that all taxes, expenses, and charges arising

from the pre-termination or the account or investment shall

be shouldered by the Borrower.

 Cumulative Rights.  The Bank’s rights hereunder are

cumulative and not alternative.

16. Late Payment Fee (LPF). In the event any installment to or advance

made by the Bank is not paid when due or when this PN is deemed in

default, the Borrower is liable to pay the Bank an LPF equivalent to Five

Hundred Pesos (PhP500.00) per month or eight percent (8%) per month
 of the past due amount, whichever is higher, with a fraction of a month to

be considered as one (1) whole month, until such time the unpaid

installment, the advances made by the Bank, or the whole sum remaining

unpaid, as applicable, is paid in full.

17. Collection and Litigation Fees and Expenses. If the Bank is compelled

to engage the services of a collection agent or attorney to enforce any of

its rights under this PN, the Borrower shall pay the Bank the reasonable

costs and expenses of engaging such collection agent and/or lawyer and

such other expenses reasonably incurred by the Bank in recovering such

payment and enforcing its rights under this PN.

18. Application of Payment. The Borrower waives his/her right to make

application of payment under Article 1252 of the Civil Code and the Bank

shall have the right to apply payments made by the Borrower to any of

his/her obligations to the Bank, regardless of the source and nature of the

said obligation. Payments for the Obligation shall be applied in the

following order: (1) first to the expenses or payments advanced or incurred

by the Bank, (2) to the fees and charges imposed on the Obligation; (3) to

penalties incurred; (4) to the interest then accrued and unpaid, and; (5) the

remainder, to the principal balance.

19. Change of Borrower’s Information. The Borrower shall immediately

notify the Bank in writing of any change in his/her Personal Data (including

civil status, residence, office and/or residence address and/or telephone

 number/s, and all related information) and change of his/her financial

status which may prejudice or adversely affect his/her being a Borrower.

20. No Implied Waiver. The exercise of the rights, privileges, and remedies in

this PN shall be at the discretion and option of the Bank. Acceptance by

the Bank of payment of any installment or any part thereof after any due

date shall not be considered as extending the time for the payment of any

of the installments or as a modification of the conditions hereof. No failure,

omission, or delay on the part of the Bank in exercising any of the said

rights, privileges, and remedies shall operate as a waiver thereof. No

modification or waiver of any provision or consent by the Bank shall be

effective unless the same shall be in writing.

21. Assignment. The Bank may assign, cede, sell, or otherwise transfer part

or all its rights and/or obligations under this PN. The Borrower will be

notified in the manner provided under Section 23 hereof in event of any

completed assignment, sale or transfer of part or all of the rights and/or

obligations under this PN.

22. Venue of Actions.  All actions for the enforcement of the rights and

obligations under this PN shall be filed in the proper courts of Metro

Manila; all other venues are hereby waived.

23. Notices. All notices and correspondence relative to this PN, including but

not limited to demand letters, summonses, and subpoenas, shall be sent

to the Borrower’s address above stated or to such other address as the

Borrower may hereinafter give in writing to the Bank. The mere act of
 sending any communication by mail or personal delivery to said address

shall be valid and effective notice to the Borrower for all legal purposes.

The fact that such notice or communication is not actually received by the

Borrower, or has been returned unclaimed to the Bank, or that no person

is found at said address or that said address is fictitious, shall not excuse

the Borrower from the effects of such notice or communication.

24. Severability. The unenforceability or invalidity of any provision of this PN

by a court of competent jurisdiction shall not affect the validity, legality,

and enforceability of the remaining provisions.

25. Effect of Agreement. The rights and privileges of the Bank hereunder

shall inure to the benefit of its successors and assigns, and the duties and

obligations of the Borrower shall bind his heirs, representatives,

successors, and assigns.

26. Cooling Off. The Borrower is granted a “cooling off” period of seven (7)

banking days immediately following the signing of the loan documents to

cancel the loan without penalty, subject to an administrative processing

fee of One Thousand Nine Hundred Pesos (Php1,900.00) and provided

that the Manager’s Check issued to the Borrower will be returned to the

Bank and that no drawdown has been made on the loan. The cancellation

shall be communicated to the Bank through a written notice.

27. Amendments. The Borrower agrees that the Bank may change any of the

provisions in this PN, including but not limited to the data privacy policy,

and/or the Fee Schedule, from time to time and the Borrower agrees to be
 notified of such changes through notice sent through any of the following

means, at the option of the Bank unless the Borrower requests otherwise:

(i) mailed and/or emailed notices (sent to the Borrower’s mailing or email

addresses indicated in the Bank’s records), (ii) notices posted at the

Bank’s branches, or (iii) notices in the Bank’s website, and the Borrower

agrees to be bound by such changes unless the Borrower expressly

notifies the Bank otherwise through the contact information provided by

the Borrower. The Bank’s non-receipt of advice from the Borrower within

thirty (30) days from receipt of notice from the Bank in relation to said

changes shall be deemed the Borrower’s agreement to all such changes

or modifications. Where such Amendments are to the Fee Schedule or

affect the fees and charges and the Borrower’s liabilities or obligations

under this PN, the Borrower will be given not less than thirty (30) days’

notice before the Amendments take effect unless such changes are not

within the Bank’s control.

28. Complaints. The Borrower must immediately communicate to the Bank

upon his/her knowledge of a possible cause of complaint, unauthorized

application, or any dispute regarding his/her loan account through

EastWest Bank's 24-Hour Customer Service at (+632) 8888-1700 or e-

mail csloans@eastwestbanker.com.

The Bank shall acknowledge the complaint/dispute no later than two (2)

banking days upon receipt of report by responding to the said

 complaint/dispute or requiring from the Borrower additional information or

such other instructions as may be necessary to properly resolve it.

29. Agreement. The Borrower acknowledges that he/she has fully read and

understood the Terms and Conditions Governing EastWest Personal

Loan, and the Data Privacy Policy as published in the Bank’s

website:https://www.eastwestbanker.com/info/ew_privacy.asp. The

Borrower agrees to abide by and be bound by the said Terms and

Conditions and Data Privacy Policy, any and all amendments thereto as

well as all laws, rules, regulations, and official issuances applicable to the

Bank which may hereinafter be issued, including other terms and

conditions governing the use of other facilities, benefits, products or

services which shall be made available to him/her. The Borrower hereby

certifies that all information and documents given are complete, true and

correct, and the signatures therein are genuine. The Borrower

understands that non-disclosure and/or falsification of information and

documents herein required shall be grounds for the filing of legal action/s

against him/her, as may be appropriate under the circumstances.

30. Disclosure and Sharing of Information. The Borrower consents and

authorizes the Bank to disclose information relating to the Borrower, the

Obligation and/or the performance of the Borrower’s obligations under this

PN to the Bank’s subsidiaries, affiliates, agents, and third parties that are

authorized by the Bank to receive such information, for confidential use in

connection with the Bank’s exercise of its functions to provide banking and
related services. The Borrower also consents and authorizes the Bank or

the parties to whom the Bank makes the disclosure to collect, process,

store, record, organize, update, modify, block, erase and destroy

information obtained from third parties in connection to Borrower’s

Obligation. The Borrower further consents and authorizes the Bank to

disclose, receive, process information for any business purposes

(including but not limited to sales and marketing, credit investigation and

collection, information technology systems and processes, data

processing, imaging and storage, back-up and recovery, and statistical

and risk analysis purposes). The Borrower hereby gives permission for the

Bank to request information and to make necessary inquiries about the

Borrower from third parties in connection with any of the Borrower’s

Obligation, including its updates, renewals, re-issuance, or extensions.

 Processing of Application. The Borrower hereby consents

and authorizes the Bank, any of its offices, branches,

subsidiaries, affiliates, agents, representatives and third

parties, to conduct verification with the BIR, any other

appropriate government agency or third party including

banks and financial institutions, to establish the authenticity

of the information he/she declared and the documents

he/she submitted in relation to his/her application as it may

be necessary for the processing and evaluation of his/her

application and he/she hereby waives any rights on the

confidentiality of his/her income information as required by

BSP Circular 622, as amended by BSP Circular 855. The

Borrower further consents and authorizes the disclosure of

personal and sensitive personal information by the Bank,

provided that such disclosure is in accordance with the

provisions of Republic Act (R.A.) No. 10173 or the Data

Privacy Act of 2012, its Implementing Rules and

Regulations, and other rules and regulations relating to data

privacy, including the Bank’s Data Privacy Policy published

in its website.

Additionally, the Borrower acknowledges, accepts and

consents that his/her personal data may be collected, used,

processed, stored, accessed, updated, shared, transferred

or disclosed to the credit insights service provider/s using

the Subscriber data obtained from Mobile Network Operators

for the purpose of “telco score” using telecommunications

usage data . The Borrower understands that the credit

scoring  (telco score) and analytics between the Bank and

credit insights service providers are conducted for the

purpose of credit evaluation related to his/her personal loan

application and maintenance thereof.

 Account Maintenance and Servicing. The Borrower hereby

authorizes the transfer, disclosure and communication of the

Bank of any information, including personal and sensitive

personal information, relating to his/her account/s with the

Bank together with all of the documents submitted for his/her

application to any of its offices, branches, subsidiaries,

affiliates, agents, representatives of the Bank and third

parties for application processing, data processing/storage,

customer satisfaction surveys, and for any other purpose as

the Bank may deem appropriate, and/or as described in the

Bank’s Data Privacy Policy, and as may be required by law

or regulation. The Borrower hereby also authorizes the

regular submission and disclosure to any and all credit

information service providers listed in the Bank’s Data

Privacy Policy published in its website, of any information,

whether positive or negative, relating to his/her basic credit

data (as defined under Republic Act No. 9510) with the

Bank, as well as any updates or corrections thereof. The

foregoing constitutes his/her written consent for any such

submission and disclosure of information relating to his/her

account/s for the purpose indicated above and under

applicable laws, rules and regulations. The Borrower agrees

to hold the Bank free and harmless from any liabilities that
 may arise from any transfer, disclosure or storage of

information relating to his/her account/s.

 Marketing and Sales Offers. The Borrower hereby authorizes

the transfer, disclosure, and communication of the Bank of

any information, including personal and sensitive personal

information, relating to his/her accounts with the Bank

together with all of the documents submitted for his/her

application to any of its offices, branches, subsidiaries,

affiliates, agents, representatives, and third parties for

product and service offers to be made to him/her through

mail/e-mail/fax/SMS/telephone or through other forms of

media, and for any other purpose as the Bank may deem

appropriate, unless the Borrower expressly notifies the Bank

otherwise through the following contact information:

Customer Service Hotline       (+632) 8888-1700

Email   csloans@eastwestbanker.com

The Borrower agrees that such disclosure or exchange of information shall not

be the basis of any claim against the Bank or the parties to whom the Bank

makes the disclosure.

The Borrower agrees and authorizes the Bank to enroll his/her personal loan

account in the Bank’s online banking facility.

For purposes of this authority to verify and disclose information, the Borrower

waives confidentiality of any such information relating to him/her and/or his/her

business under applicable laws such as but not limited to Republic Act Nos.

1405, 6426 and other laws relating to the secrecy of bank deposits.

Chapter 8

AMORTIZATION SCHEDULE

MONTH PRINCIPAL INTEREST Interest TOTAL

rate
1 83,333.333333 31,800.0666667 1.59% 115,133.40
2 83,333.333333 31,800.0666667 1.59% 115,133.40
3 83,333.333333 31,800.0666667 1.59% 115,133.40
4 83,333.333333 31,800.0666667 1.59% 115,133.40
5 83,333.333333 31,800.0666667 1.59% 115,133.40
6 83,333.333333 31,800.0666667 1.59% 115,133.40
7 83,333.333333 31,800.0666667 1.59% 115,133.40
8 83,333.333333 31,800.0666667 1.59% 115,133.40
9 83,333.333333 31,800.0666667 1.59% 115,133.40
10 83,333.333333 31,800.0666667 1.59% 115,133.40
11 83,333.333333 31,800.0666667 1.59% 115,133.40
12 83,333.333333 31,800.0666667 1.59% 115,133.40
13 83,333.333333 31,800.0666667 1.59% 115,133.40
14 83,333.333333 31,800.0666667 1.59% 115,133.40
15 83,333.333333 31,800.0666667 1.59% 115,133.40
16 83,333.333333 31,800.0666667 1.59% 115,133.40
17 83,333.333333 31,800.0666667 1.59% 115,133.40
18 83,333.333333 31,800.0666667 1.59% 115,133.40
19 83,333.333333 31,800.0666667 1.59% 115,133.40
20 83,333.333333 31,800.0666667 1.59% 115,133.40
21 83,333.333333 31,800.0666667 1.59% 115,133.40
 22 83,333.333333 31,800.0666667 1.59% 115,133.40
23 83,333.333333 31,800.0666667 1.59% 115,133.40
24 83,333.333333 31,800.0666667 1.59% 115,133.40
TOTAL 2,000,000.00 763,201.600001 2,763,201,60

Chapter 9

BREAKEVEN ANALYSIS

BREAKEVEN ANALYSIS FOR A MONTHLY INCOME

Fixed Costs
Machinery/Office Equipment 209,941
Supplies and Consumables 522, 018
Insurance 2350
Fees (Banking, Licenses, 3500
Permits, Etc.
Amortization 115,133.40
TOTAL 852,942.40
Variable Costs
Payroll 145,134.86
Shipping Costs 5000
Maintenance 5,000
Utilities 17500
TOTAL 172,634.86

BEP (Units) = 314,750/(15000-4323)=29.48

BEP (Peso) = 29.48 x 15000 = 442,220

 Chapter 10

SUMMARY, CONCLUSIONS AND RECOMMENDATIONS

Summary

We came to know almost all the requirements that this kind of business

may entail, we started by actually visiting one of the well-known firm associated

with this type of business and luckily getting most of the important details from

them. After having a briefing with them we came to know about the capital that

one has to possess in order to put up his own business, we also came to know

how much profit it can offer and how they attract the customers for their business

to be profitable.

Conclusions

After analyzing this kind of business, we conclude that Distributorship

business has a full potential in the market due to ever changing lifestyle of
people. When starting a new business, there are many important decisions to

make and many rules and procedures that must be addressed. From the basic

needs to the fullest materials are better to think first before anything else, in

terms of business. You need to decide when choosing space if it is for lease or

personal property .A lease agreement is a contract between the business owner

and the owner of the property. Since it is a legal document, you should review it

before you sign it.

Selecting location is an important factor, in selecting location is that you

keep a long term perspective. Site selection is a big investment and choosing a

right site can avoid the cost of relocation in the future. Marketing strategies is

another business idea, through fliers distribution is a way to announce your

business and create several promotional gimmicks to make your business

unique.

Recommendations

Planning and establishing this kind of business is quite risky. There are

many things to be considered first. The capital is very important; there is a big

possibility of losing money because of incompetency and lack of knowledge

about the business, your capital will decide how big your business will be and the

volume of product you can cater initially. Location is also important matter to

consider simply because of publicity that it might impose that can possibly help

the most important part of the business which is the marketing strategy.
BIBLIOGRAPHY

Government Accountability Office. Answers to Questions With Regard to

Statements on the Office of Technology Assessment. Washington, DC: U.S.

Government Printing Office; 1977 Dec. Report No.: B-177806.

Tomita, Masaru. (1985). Feasibility study of personal/interactive machine

translation systems. Pittsburgh, Pa. :Carnegie-Mellon University, Dept. of

Computer Science

United States. Congress. House Committee on Foreign Affairs. Subcommittee

on the Middle East and South Asia. (2007). Working in a war zone: Post

traumatic stress disorder in civilians returning from Iraq. G.P.O.

Maak, T. (2007). Responsible leadership, stakeholder engagement, and the

emergence of social capital. Journal of Business Ethics, 74, 329-343.

https://doi.org/10.1007/s10551-007-9510-5

Dorman, S. M. (1997). Video and computer games: Effect on children and

implications for health education. Journal of School Health, 67(4), 133-138.

APPENDICES

Barangay Requirements

Barangay Clearance - 200

BIR - 500

DTI - 520

Mayors Permit – 7,500

Business Permit – 250

Total = 8,970

Questionnaire

1. What is the name of your Store? Price range of product and

Services?

2. What are the main products/services do you offer?

3. How many customers are visiting your store everyday?

4. In what month customers are most likely to visit your store?

Resume

GRADO, JEREMY T.

Blk 137 lot 15 Karangalan

Village Cainta Rizal
jeremygrado09@yahoo.com
09277717306
Personal Data

Date of Birth : Feb. 20 1998

Age : 21yr Old
Place of Birth : Antipolo City
Sex : Male
Mother Name : Mary Grace Grado
Occupation : House Wife
Father Name : Jose Grado
Occupation : Electrician
Religion : INC
Height : 5’4
Weight : 46
Civil Status : Single
Objective
 To secure a challenging position in a reputable organization to expand
my learning, knowledge, and skills.
 Secure a responsible career opportunity to fully utilize my training and
skills, while making a significant contribution to the success of the
company.
 To make use of my interpersonal skills to achieve goals of a company
that focuses on customer satisfaction and customer experience.

Education Background
 Secondary : Nangka High School (2010-2014)
 Primary : Karangalan Elementary School ( 2004-2010)
 Present : ICCT Collages (2018-2019)

Grado, Jeremy T
Applicant

PADILLA, JR FERDINAND.

Blk 14 lot 12
Simona Subdivision Taytay Rizal
Padillaferdinand0411@gmail.com
09978790056
Personal Data

Date of Birth : April 11, 2001

Age : 22 yrs. Old
Place of Birth : Antipolo City
Sex : Male
Mother Name : Judy Padilla
Occupation : House Wife
Father Name : Ferdinand Padilla
Occupation : Construction
Religion : Catholic
Height : 5’4
Weight : 58
Civil Status : Married
Objective
 To secure a challenging position in a reputable organization to expand my
learning, knowledge, and skills.
 Secure a responsible career opportunity to fully utilize my training and
skills, while making a significant contribution to the success of the
company.
 To make use of my interpersonal skills to achieve goals of a company that
focuses on customer satisfaction and customer experience.

Education Background
 Primary : Simona Elementary School ( 2006-2011)
 Secondary : Francisco P. Felix MNHS (2012-2016)
 Present : ICCT Collages (2018-2019)

PADILLA, JR FERDINAND
Applicant
BLANCO, JOHN REE A.

Binangonan Rizal

Personal Data
Date of Birth : June 25,2001
Age : 22 yrs. Old
Place of Birth : Binangonan Rizal
Sex : Male
Mother Name : Duenalyn Blanco
Occupation : House Wife
Father Name : Rigor blanco
Occupation : Construction
Religion : INC
Height : 5’4
Weight : 50
Civil Status : Single

Objective
 Secure a responsible career opportunity to fully utilize my training and
skills, while making a significant contribution to the success of the
company.
 To make use of my interpersonal skills to achieve the goals of a company
that focuses on customer satisfaction and customer experience.

Education Background
 Primary : Dona Susana Elementary School ( 2006-2011)
 Secondary : Vicente Madrigal National Highschool (2012-2016)
 Present : ICCT Collages (2018-2019)

BLANCO, JOHN REE A

Applicant
KERTLON, EARL LOTERIO C.

9876 Mabini Street

Pinagbuhatan Pasig City
kertlonearlcelis@gmail.com

Personal Data

Date of Birth : August 4, 2001

Age : 22 yrs. Old
Place of Birth : Pasig City
Sex : Male
Mother Name : Cecile Celis
Occupation : Admin Officer
Father Name : Dionisio Celis
Occupation : Welder
Religion : Catholic
Height : 5’2
Weight : 51
Civil Status : Single

Objective
 Secure a responsible career opportunity to fully utilize my training and
skills, while making a significant contribution to the success of the
company.
 To make use of my interpersonal skills to achieve the goals of a company
that focuses on customer satisfaction and customer experience.

Education Background
 Primary : Nagpayong Elementary School ( 2006-2011)
 Secondary : Nagpayong Highschool (2012-2016)
 Present : ICCT Collages (2018-2019)

KERTLON, EARL LOTERIO C

Applicant
LAZO, VIJAYLYN F.

Blk 74 Lot 2
Manggahan Pasig City
lynlazo201@gmail.com
09978790056
Personal Data

Date of Birth : December 11, 1999

Age : 23 yrs. Old
Place of Birth : Taguig
Sex : Female
Mother Name : n/a
Occupation : n/a
Father Name : n/a
Occupation : n/a
Religion : Catholic
Height : 4’9
Weight : 51
Civil Status : Single

Objective
 To Share my Knowledge
 To have a good experience
 To Share my Skill
Education Background
 Primary : Ricardo P Cruz Elementary School ( 2006-2011)
 Secondary : Bagumbayan Taguig City Highschool (2012-2016)
 Present : ICCT Collages (2018-2019)

LAZO, VIJAYLYN F
Applicant
 FORMAT FOR FEASIBILITY STUDY

I. EXECUTIVE SUMMARY

II. BUILDING ESTIMATE

III. MACHINERY/OFFICE EQUIPMENT ESTIMATE

IV. SUPPLIES ESTIMATE

V. ORGANIZATIONAL CHART AND PROPOSED SALARIES

VI. CASH FLOW

VII. BANK INTEREST RATE

VIII. AMORTIZATION SCHEDULE

IX. BREAK EVEN ANALYSIS

X. SUMMARY, CONCLUSION AND RECOMMENDATIONS

BIBLIOGRAPY

APPENDICES

Business Requirements
Questionnaire
Resume

XI. REFERENCES