5 Ways to Effectively Save Money This 2018

Here we are again. It’s the start of a new year and you’re hoping to improve your financial habits. You might be thinking, “Well, I have my New Year’s resolution to help me out on that.” That would have been a great mindset, if it weren’t for the fact that (according to a recent worldwide study) 92% of people who formulate their New Year’s resolutions usually fail to implement it within the first 3-6 months. Ouch! That’s a large percentage to keep in mind, and you might even be wondering now whether you’re part of that big number or you’re just one of the few (around 8%) who manage to stick to their resolutions until the end of the year. Well, worry no more, as we had enumerated a few effective ways to save money this 2018:

1. Set up a separate fund for emergencies.

First things first, always remember that there are always unforeseen circumstances. They occur when you least expect it, thus leaving you with unexpected fees and expenses. Storms and road accidents are a perfect example of this. In such case, you should set aside a separate fund for emergencies. If you happen to accomplish this, not only would you be prepared enough for any sudden occurrences, but you would also avoid touching your savings in the long run. It is important to remember that an emergency fund should have enough to cover four to seven months’ worth of expenses. Experts recommend starting your fund with small goals, such as saving small amounts first, and then accumulating it as time flies.

2. Take note of your spending.

Be mindful of where you spend your money. Which is expensive? Which is affordable? You would be able to answer these and make adjustments along the way. Just always remember that your money doesn’t just disappear all by itself. If you happen to spend more than what’s needed, then it may very well be your own fault that you fell short from your budget. Speaking of which…

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3. Make a budget list.

List down all of your expenses, your needs, your wants. Cut down on things which you don’t really need and focus on those which you would be using every day, like water and electricity. You don’t always need to sip in that expensive café, go for a cheaper alternative, like a ready-mix coffee or convenience store quick brew. The choice is yours, as long as you reduce your spending, practice the process of elimination and see your savings flourish along the way.

4. Take advantage of shopping promos.

There are countless ways to avail items without paying for the full price. Aside from the usual “sale” that they implement in malls during the holidays, you may also:

  • Accumulate rewards by signing up for loyalty programs.
  • Join a warehouse club and buy in bulk.
  • Make use of shopping coupons.
  • Plan your shopping/grocery trips during sales and holiday deals.
  • Compare prices online.

And a lot more…

5. Make use of money-making/saving apps.

If you ever want to sell a few unused items at home, you may use an online buy and sell app to auction them off. You can also book a much cheaper restaurant or travel price via various discount apps. Feel free to discover via your local providers and networks and save a lot.

Be a master of your savings and hard-earned money with a trusted name that offers only the best service possible. If you’re a resident of Bacoor, Cavite, then the Cebuana Lhuillier Rural Bank is your one-stop spot for opening your own savings account. All transactions are real time, erasing all the hassles that you may experience in other establishments. So what are you waiting for? Visit the Cebuana Lhuillier Rural Bank now – we assure a fast, easy and secure transaction.

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Microinsurance for MSMEs launched

Two of the country’s industry leaders, Cebuana Lhuillier and AXA, have joined forces with GIZ Philippines and the Department of Trade and Industry (DTI) in the introduction of a micro disaster risk insurance (MicroDRI) product especially intended for the country’s micro, small, and medium enterprises (MSMEs).

MSMEs make up more than 95 percent of all industries in the Philippines, employ 65 percent of the labour force, and are a major source of government income through their tax payments. MSMEs have an economic value of 35.7 percent, of which small industries make up 20.5 percent of all goods and services produced.

Despite their huge contribution to the economy, MSMEs do not have enough protection due to the dearth of comprehensive insurance products for the sector.

This leaves MSMEs vulnerable to threats and damages brought by natural calamities, including typhoon, earthquakes, and even man-made large fires, all of which are detrimental to both the lives and business of entrepreneurs.

According to the latest GIZ study, 25 percent of MSMEs do not reopen once hit by a major disaster.

In 2009, following Typhoon Ondoy and Pepeng, damages cost MSMEs a total of $4.4 billion, about 2.7 percent of that year’s GDP.

To contribute in the financial stability of MSMEs, GIZ partnered with insurer AXA, microinsurance distributor Cebuana Lhuillier, and the Department of Trade and Industry. Aside from the micro DRI product, the collaboration will also focus on the provision of financial literacy training for entrepreneurs via the DTI business centers and the development of knowledge materials supporting the product.

GIZ Philippines has been at the forefront of implementing economic, ecological, and social development in the Philippines since 1970, through the assistance provided by the German government.

The latest assistance is a grant intended to fund the development of the MicroDRI product for MSMEs.

“Recently, a GIZ-led study on “Global Initiative on Disaster Management” found out that there is little protection available to MSMEs, which is long considered the foundation of the Philippine economy. When disasters strike, MSMEs lose between P250,000 to P10 million, making it particularly hard for them to recover. With the MicroDRI product, our goal is to come up with a financially-sustainable product that will provide the protection that these MSMEs need to ensure operations of their businesses. We are happy to work with our long-time collaborators on this project, and are hopeful that this will bring change to the MSME industry,” said Dr. Antonis Malagardis, program director of GIZ Philippines.

Serving as the gateway to reach across MSMEs is Cebuana Lhuillier, currently the country’s leading microinsurance distribution channel.

“Cebuana Lhuillier is proud to work with AXA, GIZ, and DTI on this milestone initiative. We are honoured to be given the opportunity to become a partner for change for many MSMEs and hope that through the MicroDRI product, we can help improve not only their businesses, but their lives as well. On its own, Cebuana Lhuillier has already covered up to eight million Filipinos or 30 percent of the 26.6 million Filipinos covered by some form of microinsurance and has served to be one of the leading contributors in the government’s push for microinsurance coverage,” Jean Henri Lhuillier, president and chief executive officer of Cebuana Lhuillier said.

The MicroDRI product under development will be formally launched and introduced to MSMEs through the assistance of DTI. AXA will design the micro SME insurance product and will serve as insurer of the product, which will then be made available to the public through Cebuana Lhuillier’s wide network.

Cebuana Lhuillier opens 52-leg tennis circuit in Cebu

The Cebuana Lhuillier age-group tennis tour reaffirms its commitment to develop and support youth tennis as it kicks off its 52-leg circuit today (Friday, Jan. 26) in Cebu.

Fifty-one other age-groupers are spread out for the year, including 21 each in Luzon and Mindanao while Visayas will be staging 10 tournaments, including the season-opening event at the Citigreen Tennis Resort.

Cebuana Lhuillier president and CEO and Unified Tennis Philippines (UTP) president and founder Jean Henri Lhuillier launched the nationwide tennis circuit to help grassroots level players improve and later on be sent to high grade level tournaments.

“With the Cebuana Lhuillier age-group program, we are giving the underrated Filipino athletes a chance to shine and develop their potential to be at par with the world’s best,” said Lhuillier. “Most importantly, more than a sports avenue, the circuit also advocates the total human formation of young tennis players by helping them reach their tennis career dreams. We hope to make them not just be champions in sports but also be champions in real life.”

Held in various parts of the country, the circuit reaches out to young tennis players, giving them equal chances and opportunities to showcase and hone their skills and talent.

Throughout its run, the program has endorsed over 50 scholars who were given access to better education, both here and abroad, and more support for their training.

They include Roxanne Resma, currently under a tennis scholarship in the University of Hawaii. Other program standouts are Philippine Davis Cup member and Pepperdine University tennis scholar Casey Alcantara, world junior rank 52 Alberto Lim Jr., 2015 Southeast Asian Games men’s doubles silver medalist Jeson Patrombon, Oklahoma State U tennis scholar and International Tennis Federation rank 55 Jurence Mendoza, Philippine Columbian Association Open’s youngest title holder Marian Capadocia, Khim Iglupas, Phinma-PSC International Juniors 2 champion Arthur Craig Pantino, and Bryan Otico, the reigning PCA Open champion.

 

 

The Cebuana Lhuillier age-group circuit is open to players aged 18 and below. It is sanctioned by the UTP, made up of the Palawan Pawnshop-Palawan Express Pera Padala, Cebuana Lhuillier, Wilson, Toby’s, Dunlop, Slazenger and B-Meg. Dunlop, one of the leading tennis equipment manufacturers in the world and the brand of choice of many tennis players worldwide, is the official ball partner of the tournament.

For details, visit www.facebook.com/cebuanalhuillieragegrouptennis.

 

Source: The Manila Times

5 Practical Ways to Finance Your Business

You dream of starting up your own business and being the next successful tycoon. However, everyone needs to start somewhere. You already have a business format in mind, but you aren’t able to implement it yet, since you still lack the funds for even a dry opening. No worries, as we had enumerated a few practical ways for you to finance your own business:

1. Utilize your Credit Card.

This may have been mentioned first, but it is ranked lower in our list due to the fact that it is also a bit risky. If you ever fall behind on your payment, your credit score would take a hit, damaging your chances of ever getting any future loans. Be vigilant in using your card and never, even for a single month, miss out any payments in order to avoid blemishing your credit score

2. Borrow the amount from friends or family members.

It can never be embarrassing if your intentions are good. The thing about us Pinoys is that we have certain camaraderie, a fellowship that we have come to know as “Bayanihan.” Being helpful towards our friends or family member in need is one of our most common traits as a Filipino, and financing a startup business is a perfect example of such act. Of course, never forget to pay them back, or even give them a piece of your profit, so that you may avoid any grievances in lending after.

3. Try out crowdfunding.

Crowdfunding is the process of rallying people behind you in order to acquire the funds that you would need for your business or offered services. A particular website enables modern-day inventors and developers to showcase their ideas via videos and visual aids, thus, providing an opportunity for community engagement and funding on the needed capital. The more impressive your idea is, the more support that you will get from your potential patrons.

finance-money-coins-bills

4. Utilize your own savings.

No pain, no gain. No sacrifice is ever unworthy of a great return in investments. Case in point, a startup business funded by your very own savings. We know, you might be keeping it aside for a car, a new cellphone, a house, etc. However, you should also consider the fact that once the business becomes a huge success, you would not only get back the amount that you had spent as a capital, but you would also get twice or thrice the amount that you had first invested. Now, that’s what we call a success story!

5. Get funded by an Angel Investor.

You might be wondering what this means. Basically, they are individuals who inject capital for startups in exchange for ownership equity or convertible debt. Some angel investors invest through crowdfunding platforms online or build angel investor networks to pool in capital. They may provide one-time investment to help the business propel or an ongoing injection of money to support and carry the company through its difficult early stages.

If these mentioned ways are not enough for your own liking, then we have got just the right thing for you. Get a jumpstart on your business venture with a trusted name that offers only the best service possible. Cebuana Lhuillier’s Lucky Loan is definitely your top choice. It is a multi-purpose loan offered to registered entities such as tricycle operators, credit cooperatives and other groups, as well as SMEs such as restaurant and mini groceries, among other businesses. Our network of more than 2,200 Cebuana Lhuillier branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

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Ka-Cebuanas basked in a Georgian frosty holiday

Twenty lucky Ka-Cebuanas from the United Arab Emirates won an all-expense paid trip to Georgia through Cebuana Lhuillier’s Year-End promo ‘Da Best Ka Winter 2017’, organized together with Tag 91.1, the leading Filipino radio station in the UAE. Cebuana Lhuillier clients from the UAE who sent money to their loved ones in the Philippines during the “Ber” months were qualified to join the promo.

During their 4-day, 3-night stay in Georgia, winners had a chance to visit tourist attractions such as the Old Tbilisi, Sulphur Baths, Rustaveli Avenue, Freedom Square, Peace Bridge, Narikala Fortress, Mtheska Cathedral, Annanuri Fortress, and Gudauri Ski Resort. Cebuana Lhuillier representatives and Tag 91.1’s disc jockeys Chickay and DJ Bob Kebab also joined the trip, as well as front liners from partner remittance centers like Al Ansari Exchange, Al Fardan Exchange, and Al Fuad Exchange.

5 Key Advantages of Getting a Car Insurance

It may sound repetitive, but protecting your finances is one main way of balancing your expenses. Not only would you be able to save up in the long run, but you would also be able to avoid any sudden expenses brought about by unforeseen circumstances. In such case, protecting both yourself and your automobile is a must, owing to the fact that road accidents may happen anywhere, any time. You may protect yourself on the road via traffic rules, but protecting your auto from a huge liable expense in the offset of an accident would be in the hands of a car insurance. You may ask, what are the key advantages of car insurance then? Here are just a few of them:

1. Protection from financial liability.

Believe us, you wouldn’t like to be in the receiving end of a huge damage expense. It’s bad enough that another driver would be involved in the accident (you’d have to pay for his/her medical bills), but it’s much worse to pay up for the other person’s damaged car as well, and that would be too costly. It’s always better to pay up than to be sued, but such is really a very budget-bending matter, so much that you will be glad that your car insurance would shoulder all of that for you.

2. Medical coverage.

If you think paying the other party damage fees is bad, just think about your own medical bills. Hospital bills in the country are at an all-time high, and continuous medication for your bruises incurred would just not be good for your savings. Know that a car insurance would not only cut your expenses, but may even shoulder your own medical needs as well.

3. In accordance with the law.

For those who are not familiar with it, the law states that car owners are required to have insurance. In such case, they would at least require liability insurance. Not being able to comply with this may result in you having to lose your license. Follow the law, be insured, and avoid any hassle on and off the road.

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4. Repair and replacement coverage.

This is one of the main things that car insurances are known for, being able to shoulder damages in case of an accident. Hence, you would be able to avoid any expenses. The thing is, it would also depend on the exact coverage that you had availed and the severity of the accident itself. Nonetheless, you are still getting your money’s worth if you ever decide to avail a higher coverage.

5. Worry-free road trip.

Save yourself from all of the stress and worries of being on the road. Of course, you would still have to comply with the traffic rules for your own safety, but if ever you’d get involved in an accident due to the carelessness of other drivers, be sure that your car insurance would be there to look out for you and your expenses. Drive well and leave your worries behind.

Speaking of worry-free car insurance, you’d definitely go for a full-pledged service that has nothing but your best interest in mind. With that being said, nothing beats Cebuana Lhuillier’s AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now to inquire – we assure a fast, easy and secure transaction.

3 Advantages of Using Personal Loans to Better Your Life

Nothing better summarizes a life well-spent than that without debt. Just think about it. You have nothing to worry about when it comes to your finances: you would be able to save up for future expenses (both wants and needs), budget everything without any worry of overspending due to your unpaid balances, and even be able to plan for an upcoming vacation. The possibilities are endless. With these in mind, we had enumerated a few advantages of utilizing your own personal loan to better your life:

1. Pay off all of your debts.

We had mentioned about living a life without debt, but what exactly are these pending balances? To be specific, you may either have an interest rate that has been bothering you for a while or a nagging relative that isn’t too shy to let you know that you owe them, big time! Remember, it isn’t just about the exact amount that you owe a person or establishment for that matter, the accumulating penalty fees and interests rates are such a pain to handle that your personal loan may just be a lifesaver, in order for you to resolve your debts and be done with the penalty fees once and for all.

2. Buying a home.

We know what you’re thinking. Isn’t that supposed to be for housing loans, in particular? Yes, it may definitely well be. However, such implications would also mean that you are not allowed to use your personal loan to pay off other necessities. For example, you may also use your personal loan amount to buy a car. In such case, that is accomplished without specifically using an auto loan. When it comes to personal loans, you are free to utilize it in whatever way you want to.

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3. Start a small business.

If you think that a personal loan is just one way to acquire money, why not multiply it further by starting up your own business. This would not only allow you to get further experiences off making a new type of livelihood, but it would also enrich and add plus points on your reputation, seeing that your lenders would agree with your life choices, and in turn make it easy for you to loan further amounts in the future. Money well-spent is more money well-earned.

When you’re hoping to acquire a personal loan, look no further than with Cebuana Lhuillier’s Happy Loan, a multi-purpose loan amounting to Php 5,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary. Our network of more than 2,200 Cebuana Lhuillier branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time.

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Eight million Filipinos now covered by Cebuana Lhuillier microinsurance

More than eight million Filipinos are now covered by microinsurance through Cebuana Lhuillier. This accounts to 30 percent out of 26.6 million Filipinos covered by some form of microinsurance product, as shared by the Insurance Commission in the first quarter of 2017.

Cebuana Lhuillier, the country’s premier microfinancial solutions provider, has also managed to settle more than 180 million pesos in claims, providing every day Filipinos with financial security and protection during times of natural calamities and personal tragedies. As an intermediary, the company has become a key contributor of the government in ensuring all Filipinos have access to microinsurance if and when they need one. In fact, no other distribution channel in the country has achieved Cebuana Lhuillier’s wide market reach when it comes to microinsurance.

The company’s thrust to reach as many Filipinos as possible and educate them on the value of a microinsurance coverage is part of the 30-year old brand’s advocacy on financial inclusion.

“Cebuana Lhuillier firmly supports the government’s thrust for wider microinsurance penetration in line with its war against poverty. We are proud to be of help to the Insurance Commission reach its goal of having 60 to 70% of the population covered by microinsurance by 2020,” Cebuana Lhuillier president and CEO Jean Henri Lhuillier said.

From a small pawnshop catering to families and workers in Pasay, Manila, the 30-year old pawnshop brand has evolved into a full-scale microfinancial services company, offering services as diverse as pawning, remittance, microloans and microinsurance.

“The allure of microinsurance is that it’s accessible to everyone. With low premiums, simplified requirements and faster pay-outs compared to traditional insurance plans, microinsurance allows Filipinos—particularly those in low-income and middle income segments—to have insurance coverage. We are honoured to be given the opportunity to serve the marginalized who are the most vulnerable to risks brought my calamities, illnesses or accidents,” Lhuillier adds.

Cebuana Lhuillier offers a wide-range of microinsurance solutions —from individual life and non-life insurance to group insurance for micro and small enterprises — are all affordable, easily available and within reach.

A top draw among individuals is the Alagang Cebuana Plus (ACP) Gold, a microinsurance product designed for individuals aged seven to 70 years old. For as low as 40 pesos for an insurance coverage valid for four months, plan holders are given access to the following benefits: life insurance, Accidental Death/Dismemberment & Disability (ADD&D), Fire Cash Assistance (FCA), and rider benefit for unprovoked murder and assault. Individuals attest to the value of this affordable investment, as the company has settled multiple claims in the past, peaking at most during the months of February to April where incidents of fire and conflagration is at its highest.

Aside from the ACP Gold, Cebuana Lhuillier has also insured fire fighters, supported workers from MSMEs, the informal sector including transport associations, and even students and their families from indigenous communities from far-flung municipalities throughout the Philippines.

Regardless on the profile of the clientele it serves, what is clear with Cebuana Lhuillier is its goal of further increasing the reach of its microinsurance business. It currently leads the call in disaster preparedness, in partnership with government agencies and NGOs, and advocates the importance of financial preparedness during times of calamities.

With more bullish programs in the horizon for 2018, Cebuana Lhuillier is on track to increase its current base to up to 10 million Filipinos covered by microinsurance in the next two years.

 

Cebuana Lhuillier’s microinsurance solutions are available in all of its 4,000 branches nationwide.

ASAPHIL gets formal nod from World Softball Baseball Federation

The Amateur Softball Association of the Philippines (ASAPHIL), led by its president Jean Henri Lhuillier was formally recognized recently by the World Softball Baseball Congress (WSBC), solidifying its position as a distinguished full member of the WSBC representing the Philippines. Shown presenting the plaque of affiliation to Lhuillier is Softball Executive Committee First Vice Chairman Dato’ Low Beng Choo (middle). They were joined by ASAPHIL and SCA officers, (from L to R) ASAPHIL Auditor, Ron Sangil, ASAPHIL Commissioner Venerando Dizer, Softball Confederation Asia (SCA) Vice President See Kok Woi, SCA Secretary General Sally Lim, ASAPHIL Secretary General Denis Nuevo and ASAPHIL Executive Vice President Atty. Rolly Rivera.

The WSBC and SCA officials also took the opportunity to discuss with Lhuillier and the rest of the ASAPHIL board the upcoming Asian Jr. Softball Championships, which the Philippines will host in May next year. This is still in line with ASAPHIL’s strong commitment to elevate Philippine softball to the global stage, capped by its campaign to see the RP Blu Girls hoist the flag for the Tokyo 2020 Olympics.

Cebuana Lhuillier and MoneyGram Extend Long-term Partnership

Cebuana Lhuillier and MoneyGram have continuously made it easier for Filipinos around the world to send money to their loved ones in the Philippines. Now the companies have extended their decade-long partnership.

The representatives of two noted brands recently met to sign the renewal of their long-standing partnership agreement for another five years. Cebuana Lhuillier, acting as a Super Agent, can send transactions from the Philippines to over 200 countries and territories through MoneyGram.  This also gives customers the convenience of receiving remittances sent via MoneyGram at any one of over 2,000 Cebuana Lhuillier branches nationwide.

Present during the recently-held MOA signing are (from L to R) Mr. Robert Shiroishi, Senior Legal Counsel, MoneyGram; Mr. Alex Lim, Country Manager, MoneyGram Philippines; Mr. Yogesh Sangle, Head of Asia Pacific, MoneyGram; Mr. Grant Lines, Chief Revenue Officer AMEAP, Russia and CIS, MoneyGram; Mr.W. Alexander Holmes, Chief Executive Officer, MoneyGram; Ambassador Philippe Jones Lhuillier, Chairman, Cebuana Lhuillier; Mr. Jean Henri Lhuillier, President & CEO, Cebuana Lhuillier; Mr. Philippe Andre Lhuillier, Senior Executive Vice President, Cebuana Lhuillier and Ms. Erlinda Sumanga, General Manager-OIC, Cebuana Lhuillier Services Corporation (CLSC).

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)