Cebuana Lhuillier launches Micro savings

 

MANILA, Philippines — Leading microfinancial service provider Cebuana Lhuillier continues to heed the financial inclusion push of the Bangko Sentral ng Pilipinas (BSP) with the launch of a new microsavings product which provides Filipinos with a more convenient and affordable means to save their hard-earned money.

Cebuana Lhuillier Micro Savings through the Cebuana Lhuillier Rural Bank (CLRB) is the company’s platform for Filipinos to overcome the barriers to saving, as majority of Filipinos opt to keep their savings at home.

Jean Henri Lhuillier, president and chief executive officer of Cebuana Lhuillier, said the Cebuana Lhuillier Micro Savings completes its full roster of services designed and developed with financial inclusion in mind.

“We’ve come full circle—from offering collateralized loans or pawning, remittance service, micro insurance and now, micro savings—all of these products were designed with Filipinos from all walks of life in mind especially the unbanked and underserved, who would not have access to these financial services given their circumstances in life,” he said.

The lack of access to banks among the country’s many cities and municipalities remains as the top deterrent, according to a BSP study.

In fact, only 33 percent or 551 cities in the Philippines have access to banking institutions.

Furthermore, the numerous documentary requirements is a major turn off for many, along with the high cost of initial deposit, high maintaining balance, as well as high dormancy charges.

Opening a Cebuana Lhuillier Micro Savings account requires only one valid ID and a minimal P50 initial deposit through its wide network of branches comprised of 2,500 retail infrastructure.

“The product is in line with the Cebuana Lhuillier’s mission of financial inclusion, which has been the thrust of the company for the past 30 years,” Lhuillier said.

To maximize the use of their savings accounts and ensure greater connectivity, Cebuana Lhuillier is also launching eCebuana app which allows users to check their balance and send money through remittance, as well as load prepaid credits to their phones, and pay their bills by integrating it to their accounts.

The app is just the first step in a long line of innovations connected to the micro savings product – on top of which is its migration to an EMV-enabled card that can be accessed through ATMs.

It will also carry a debit and credit facility for online and cashless shopping, provide access to auxiliary services and help corporate and micro, small, and medium enterprises (MSME) clients manage their business through payroll cash management solutions.

 

PJ Lhuillier President and CEO Jean Henri Lhuillier wins Lifetime Achievement award at 2018 International Business Awards

 

Lhuillier, President & CEO of PJLGC, bagged seven (7) awards, including the Lifetime Achievement award, where Lhuillier is the first ever gold winner in the consumer services industry. He was also awarded Gold Stevies for Entrepreneur of the Year for Diversified Services. Lhuillier also snagged the Silver Stevies for Executive of the Year for Diversified Services. He also won Bronze Stevie awards for Executive of the Year for Insurance, Executive of the Year for Financial Services, Maverick of the Year, and Entrepreneur of the Year for Financial Services.

“Winning these prestigious global awards brings us much pride and honor as we have always reveled in the quality of our products and the programs we implement. These awards will continue to motivate us to further introduce innovative products and services towards achieving our ultimate goal of financial inclusion for the country,” Lhuillier said.

This is the fourth straight year that Lhuillier was recognized by the international award-giving body, considered the world’s most coveted prize in the world of business and entrepreneurship. This is also the first time the Lifetime Achievement award was introduced as a category making Lhuillier the first ever winner of the prestigious award.

Aside from Lhuillier, PJ Lhuillier, Inc. (PJLI) ranked 4th among the 74 nations who joined the awards and is the only Filipino company to have made it onto the top 10, where the company received the Grand Stevie Trophy during the 2018 International Business Awards Gala held in London, England. PJLI is the organization behind the country’s largest microfinancial institution, Cebuana Lhuillier. Cebuana Lhuillier also won the People’s Choice trophy – rising above 3,900 nominations from organizations of all types, across 74 nations.

PJLI received the Gold Stevies award for Company of the Year for Diversified Services – Large, Company of the Year for Financial Services – Large, and Company of the Year for Insurance – Large and snagged the Bronze Stevie for Most Innovative Company of the Year with 2,500 or more employees.

The Company’s 30th Anniversary campaign won the Bronze Stevie as well for Communications or PR Campaign/Program of the Year – Internal Communications while the company’s Disaster Resilience advocacy program was awarded with the Bronze Stevie awards for Communications or PR Campaign of the Year – Public Service and Corporate Social Responsibility Program of the Year – in Asia

The International Business Awards is the world’s premier business awards created to honor and generate public recognition of the achievements and positive contributions of organizations and working professionals worldwide. Golden Bridge Awards, on the other hand, is an annual industry and peers recognition program honoring Best Companies of all types and sizes from all over the world.

5 Industries That Will Rock 2019

The future brings many potentially successful prospects and business opportunities. Back then, people didn’t even predict how big of an industry social media networks would turn out to be, not to mention, the technically enhanced smart phones of today. In such case, 2019 is no exemption, as the advancement in technology would only mean that there are countless ways to make an industry stand out. The internet age only made it simpler for entrepreneurs to grasp their target market within reach, which is why these following ventures are sure to make a mark this year:

1) Online Stores

You might have had a glimpse of this already in the past few years. Many small time businesses began to thrive in their respective Social Media pages, may it be affordable apparels, perfumes, make-up kits, footwear, and even pastries. While the typical market stalls usually require more expense in terms of space rental and advertisements, businesses stemming from their Social Media pages are more practical and easier to execute. And not to be fooled by its seemingly obscure numbers, this is just the beginning. Sooner or later, there would be Social Media pages dedicated to selling cars, houses, and even vacation packages (who are we kidding, these things already exist anyway). Take this as an opportunity to startup your own small business as well. Strike while the iron is hot.

2) Delivery and Logistics

The first industry focuses on the sales and self-advertisement of online startup businesses, now, here is one industry that goes hand in hand with them. There are various delivery services which seemingly came out of nowhere in the recent years. These delivery services are in coordination with the online shopping business, in the sense that they deliver the goods or items that you’d order online. Think of it this way, without these logistics services, instead of receiving your ordered items at the comfort of your home, you’d be forced to pick them up from the seller’s location, and that would cost you time, money, and energy. While there may be various delivery services nowadays, the best way to stand out within this industry is through the efficiency and proper servicing of the items delivered. The earlier the packages arrive, the more that this particular logistics provider gets chosen by online sellers.

3) Tourism

With the rehabilitation of Boracay last year, many are anticipating its full-blown grand opening again to the public. You may have heard of it being opened already, but that just involves a small part of the island. If a full opening were to happen this year, a much cleaner and beautiful Boracay would rake in business opportunities, even for its residences who are hoping to startup a small venture. Simple businesses of souvenirs and tropical snacks would be in demand again, so if ever you’re one of its many hopeful residences, be on the lookout and prepare for a much bigger La Boracay comeback. You wouldn’t even need to advertise via your own Social Media page, as news of the island’s opening itself would garner enough attention.

4) Online Catering Portals and Services

If you were to search for it online, there are countless options to choose from when it comes to catering services. Back then, you’d have to personally approach a restaurant just to discuss their packages. In some occasions, you would even need at least a glimpse of their leaflets or business cards in order to contact their catering representatives. Nowadays, the internet allows you to visit their website and to get a review of their offered packages and menu. You’d also be able to see their direct lines, which you may already call for your catering needs and event schedule.

5) Various Ride Apps

Due to the recent directives of our government, the policies regarding ride-sharing services have been stricter than ever, thus, weeding out the most egregious ones and leaving the best ones at bay. This is a perfect opportunity for those left behind to improve their services further and to raise the bar when it comes to ride apps. If you have a car of your own and were to register for such service, you may want to re-consider the basic qualifications and paper works first before submitting the main application. If you were to pass all the requirements with no snag, then you are on your way to providing a smooth ride home for weary passengers while earning a little extra for your budget.

 

With all of that being said, why not pawn off a few pre-loved items to begin your startup for this year? You may be looking for a pawn shop that would provide you with the most honest return possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its close to 2,500 branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

 

5 Car Safety Features That Could Save Your Life

Many people say that you can never get enough safety features in your own ride. That is mostly true, as indeed, safety must always come first. However, due to the advancements in technology, many of these features have become outdated, so they do not really do much in terms of superior passenger protection anymore. In such case, there are newer alternatives in terms of these safety features. All thanks to these, you can be sure that you and your passengers would have a smooth and safe ride, come rain, come shine:

1) A Rearview Camera

Usually, we Filipinos rely on the help of barkers and parking attendants to lead us whenever we’re backing away from the parking lot. It may seem like a simple task at first (after all, this is one of the many things being taught at driving schools). However, limited visibility and slight miscalculations may deem too disastrous even for the most seasoned drivers, hence rearview cameras were invented. Not only would it allow you to see objects directly positioned behind your car, it would also enable you to see bystanders who may have the unwise idea of getting across from your rear without warning.

2)Automatic Brakes

Fairly new, in terms of car safety ingenuity, this wonderful invention involves sensors around your car, measuring your distance from other vehicles or objects. If you become hazardously close to another vehicle or object during motion, the device will kick in and trigger a sudden brake, avoiding any form of collision in the process. Think of it as a technical form of guardian angel in your car.

3)Electronic Stability Controls

Similar to automatic brakes, this device actually helps correct a swerving vehicle by applying brakes on individual wheels, giving drivers a chance to regain control. Think of it as a form of A.I. that aims to keep you on the road, well within the correct lane, in order to avoid being caught up in an unwanted collision. Of course, you would still have to control the car in order to position yourself at the appropriate lane, but this would at least help you maintain control if ever you’d swerve off due to a slippery road on a rainy weather.

4)Adaptive Headlights

Yup, you’ve read that right. Some modern headlights would specifically turn on (with the help of sensors, of course) in order to have better visibility when going through a curve. While it may sound useless at first, consider this, some off-road routes usually end up having tight curves, hence, you would not be able to see if another car is coming right at you after the turn. It’s better to be innovative than outdated and unsafe.

5)Modern Airbags

Now, hold on! You may be pointing out by now that airbags aren’t new, that while they may have saved countless lives already, they still offer the common design and functionality of a typical airbag. Well, you aren’t exactly correct with that, since the newer ones can automatically detect the size and position of the passenger and the severity of the crash, and can use that information to vary the force with which the air bags inflate. This means that instead of the airbag poofing you at the point of impact, it will adjust accordingly in order to avoid any blunt force during the accident. Amazing, isn’t it?

 

And those are just a few examples of modern car safety features that can save your life. Now, if you aren’t contented with such features, perhaps you may want to go for a more practical approach, look no further than a well-trusted and worry-free car insurance service. And 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 – we assure a fast, easy and secure transaction.

3 Quick Money Making Opportunities This February

For almost every month, there are various happenings around the Philippines that would enable you to make a living and earn a little extra than the usual. While it’s mostly seasonal, it’s always better to grab the opportunity, as Filipinos would never run out of ways to spend for such seasonal events. This February is no exemption. There are more than one major events this month and we thought we’d name at least three worthy of a business opportunity. Keep in mind that the days and locations would vary, hence, you should choose which would work best with your budget:

1) The Chinese New Year

Whether you’re a full-blooded Chinese, half-Chinese, or even non-Chinese, everyone celebrates this particular festivity. You got your local fast food chains switching up their menus to represent a few oriental alternatives, you have your nearby malls redecorating with traditional red lanterns, with a few dragon dances in between, and you also have a few scheduled fireworks display throughout the month. Yes, the possibilities for extra income are endless, but one which stands out most would have to be the never-ending sales of “Tikoy.” Yes, we know, many are already selling their own brands in the market and it seems convoluted at times, but remember, you can always get creative and add a little flavor to those typical servings. You can set up a little “Tikoy” stand, complete with an added chocolate chip or “Ube” in your menu. While the typical sweet delicacy may be found in a box around your grocery stores, you can vary it up and serve it “street food” style, already fried and well-prepared with the additional flavors. You can even present your own combo meal, include a plastic cup of “gulaman sago” or juice in the process.

2)Valentine’s Day

If the Chinese New Year isn’t your cup of tea, then perhaps you might try going for a more heartwarming option. Valentine’s Day is the perfect opportunity, not just for earning a little extra budget, but also for you to show off your baking skills. When it comes to Valentine’s, the sweeter, the better. You might want to try baking a few boxes of brownies, or even cakes, any type of pastry that is easy to prepare. Looking around your local grocery you’d be able to find ready mixes of baking ingredients, thus, all you have to do is add the appropriate amount of water and bake away in your home’s oven. Selling has never been easier with the advent of social media. Document your baking process to get those mouthwatering food pictures and promote that your delectable goodies are for sale.

3)The Baguio Flower Festival

We weren’t joking when we said there was going to be a location-specific event. If you are one of our avid kababayans from Baguio, then this tip is for you. This relatively new event in the country’s summer capital is similar to the Rose Bowl Parade in the U.S., as it also features a parade of floats made entirely of fresh blossoms harvested by the locals. This would be a perfect opportunity for you, especially if you have a knack for arts and crafts, as tourists would surely be swarming to see the parade, you’d be able to sell a few handcrafted keychains and festival themed apparels in celebration of the said event.

 

We understand that starting a business isn’t that easy, as you’d still require capital for even a small startup. In such case, you’d go for a convenient and practical way of pawning off your other valuables, until such time that you’ve already established a strong footing in your business. We recommend a trustworthy pawn shop that would provide you with the most honest and highest appraisal possible, none other than Cebuana Lhuillier. With their Pawning Service, you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collateral. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its close to 2,500   branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Sangla Sorpresa

Mechanics:

  1. Promo duration is from February 1 to April 30, 2019.
  2. This promo is open to all Cebuana Lhuillier Pawnshop branches nationwide.
  3. Each client who will have new pawning or renewal transaction will earn e-raffle entries depending on the principal amount.

 

Principal Amount No. of Entries
P20,000 and above 4
P10,000 – P19,999.99 3
P5,000 – P9,999.99 2
P0 – P4,999.99 1

 

  1. Clients with Cebuana Lhuillier Microsavings account will get additional 2 e-raffle entries.
  2. Prize at stake:
  • (1,200) winners of P1,000 Cash
  • (10) winners of Kawasaki Barako
  1. Non-cash prizes are not convertible to cash.
  2. A participant may only win once. If a name is drawn more than once, the winner will get the prize with higher value.
  3. Winners will be announced on branch and thru digital platforms.
  4. Draw date is on May 13, 2019, 4:00 pm, Monday at P.J Lhuillier, Inc. ICT Office 3/F, The Networld Hub 156 Jupiter cor., Bel-Air, Makati City 1209. This will be done with the presence of DTI representative.
  5. The winner/s will be notified via registered mail. To claim the prize, winners must present the notification letter at the Cebuana Lhuillier branch where they transact with the ff. documents:
  • Valid ID
  • Photocopy of the valid ID
  1. P. J. Lhuillier Inc. will pay the 20% tax for the prizes exceeding Php10,000.
  2. The registration and other expense related to the motorcycle prize shall be shouldered by the winner.
  3. Unclaimed prize within 60 days upon receipt of notification will be forfeited upon the approval of DTI in favour of Cebuana Lhuillier.
  4. Employees of P.J. Lhuillier Group of Companies, agencies and services and their relatives up to second degree of consanguinity or affinity are not qualified to join the e-raffle.

Cebuana Lhuillier at Go Negosyo event

Cebuana Lhuillier Chairman and Founder and current Philippine Ambassador to Spain Philippe Jones Lhuillier and Cebuana Lhuillier President and CEO Jean Henri Lhuillier graced the Go Negosyo Mentor Me On Wheels (MMOW) event at the SM Megamall Events Center, January 29.

This year’s first MMOW leg, in partnership with the Philippine Franchise Association (PFA) and the Association of the Filipino Franchisers Inc. (AFFI), aims to transport mentorship on franchising to a wider scale of aspiring entrepreneurs and franchisees.  During the event, Ambassador Lhuillier delivered his opening remarks, highlighting the importance of MSMEs as the backbone of the economy and the idea of bringing Filipino products to Spain. Jean Henri Lhuillier, meanwhile, participated in the one-on-one mentoring with aspiring and small business owners.

 

 

DRRM stories from the region

DepEd-Benguet pushes for Landslide-Readiness Drill

The Department of Education in Benguet is pushing for the conduct of landslide-readiness drill in light of the recent landslides in the region, which claimed scores of lives. The proposed capability enhancement training drill in schools aims to prepare and teach students on what to do before and during landslide and flash floods. Nerisa Barbosa, DepEd-Benguet Division Disaster Risk Reduction Management (DRRM) officersaid, resiliency topics will be integrated into different school subjects such as MAPEH, Science, and AralingPanlipunan. Barbosa emphasized the importance of the program knowing that the Cordillera region is landslide prone and at high risk of disasters.

 

First center for climate resilience opens in Tacloban

Tacloban City, which suffered from the devastation brought by super typhoon Yolanda in 2013, has opened the country’s first peace and resilience center in Brgy. Salvacion. Department of Interior and Local Government (DILG) Officer-in-Charge Eduardo Año, who led the inauguration of the facility, said the center will serve as a learning hub for coherence, collaboration, and interdependence among various stakeholders to bring about peaceful, progressive, and resilient communities in Eastern Visayas. Seeking to hone the local government’s capabilities in disaster management and response, the center shall offer various training programs and will serve as a venue for discussion of climate resilience and disaster preparedness initiatives. Año expressed his desire to build peace and resilience center across the country.

 

5 Years after Yolanda, rehabilitation still ongoing

Years after the devastating event, the rehabilitation of the Yolanda-stricken areasare still ongoing.  The govenrment continues to build housing units for Yolanda survivors, completing as of end of October 2018 only 100,709 houses out of the target 205,128 units.  The units with occupants represent only 23% or about 46,412 houses. Malacañang cited slow processing and issuance of permitsand licenses and limited availability of titled landsas among the reasons for the rehabilitation delay.  The Palace however assured that they will work harder to speed-up the recovery efforts for Yolanda survivors.

Meanwhile, the contract for the P495-million water project for post-Yolanda resettlement sites in the northern part of Tacloban is set to be awarded by the Leyte Metropolitan Water District or (LMWD) by the end of the year. The project includes two areas. The first one is the PHP404.8-million project that covers extension of water distribution pipes, development of two new water sources, setting up and repair old pumping stations and a new reservoir, and rehabilitation of the existing reservoir. The second phase involves the rehabilitation of Tacloban City’s water pipes, amounting to PHP90-million. LMWD information officer Ma. Teresa Pascua is hopeful that the project would be fast-tracked as concerned agencies help to carry out the long-term water supply project.

International Fellowship Program on Disaster Resilience ends on a high note

The first-ever international fellowship program on disaster resilience by theBrown International Advance Research Institute (BIARI) ended on a high note, through the efforts of the institute and its partners in the Philippines – the Philippine Disaster Resilience Foundation (PDRF) and Holy Angel University.

With the theme “Community Resilience for Natural Disasters,” the week-long program brought together local and foreign practitioners of disaster risk reduction and management (DRRM) from various sectors. The program allowed participants to learn from a pool of expert lecturers on how communities can better prepare for and respond to natural disasters. It highlights the importance of grassroots perspective in bringing community participation and collaboration in disaster management.

“PDRF is proud to be part of this historic conference hosted by world-renowned educational institutions. The link between academe, local governments, international groups, and the private sector brings together the theory and practice of disaster risk reduction in exciting ways that benefit us all,” said PDRF President Rene “Butch” Meily.

Ching Pangilinan, one of the fellows, wrote about his experience in attending the program – describing it as insightful and inspiring. “The whole week was packed with enriching panels, and workshops that covered the entire gamut of disaster risk reduction management (DRRM) and resilience, from cultural contexts of disaster resilience frameworks for psychosocial interventions, from humanitarian interventions to community-based experiences in resilience.”

Pangilinan recognizes the responsibilities that goes with being a BIARI Philippines fellow. “I am both overwhelmed by the privilege of a week-long learning, brain-tickling, eye-opening experience, and the responsibilities that come with the privilege, especially beyond Biari, as an active agent of resilience in the community, whether through research or ventures and advocating a culture of resilience in our country.”

Through the program, BIARI developed a cadre of local individuals in the Philippines and other Southeast Asian nations that can carry out and implement their new learnings – leading their community towards disaster resilience.

The fellowship program was organized with the support of the Humanitarian Innovation Initiative, Ayala Corporation, Globe Telecom, British Embassy Manila, Jose Rizal University, Curiosity, University of Santo Tomas, and University of Nueva Caceres.

Cebuana continues disaster resilience campaign, designs microinsurance for MSMEs

Continuing its over 3-year long advocacy to promote disaster resilience, Cebuana Lhuillier collaborated with multiple stakeholders and designed a microinsurance product that will help MSMEs prepare for and recover from disasters.

“Micro, small, and medium enterprises (MSMEs) are some of those that experience the most adverse impact from natural or man-made disasters.  They are as exposed as a lot of other Filipinos to typhoons, landslides, and flooding, not to mention other perils and threats such as robbery and fire,” said Jonathan Batangan, Cebuana Lhuillier First Vice President and Group Head.

“We are delighted to announce that we now offer MicroBiz Protek, a microinsurance program which insures MSMEs’ property against lightning, earthquake, typhoon, flood and other perils. Through MicroBiz Protek, we hope to help smaller Filipino businessmen ensure business continuity amid the risks brought about by the country’s vulnerability to disasters and calamities,” Batangan added.

 

About MicroBiz Protek

Aside from property protection in times of disasters, MicroBiz Protek also provides MSMEs coverage against burglary and robbery, accidental death, permanent disablement, and accidental medical reimbursement, Comprehensive General Liability (CGL) and access to AXA’s Emergency Red Button.

Plan options for MicroBiz Protek vary depending on a business owner’s location.  Fees for the micro-insurance policy covering up to 12 months can go as low as PHP2,000.

“We want to ensure MSMEs recover fast from calamities. Thus, we take effort to ensure that claims under MicroBiz Protek program are processed for only 3 to 7 days,” Batangan said.

Cebuana Lhuillier has been promoting the need to strengthen disaster resilience of vulnerable communities and sectors, including MSMEs.  In one of its Disaster Resilience Fora, Cebuana Lhuillier has alloted a segment specific to discuss MSMEs’ preparedness against disasters. It has also been an active supporter of the Department of Trade and Industry’s (DTI’s) disaster resilience training for MSMEs.

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)