Sending Your Love this 2020

Our OFWs are the modern day unsung heroes. All of them go through rigorous paperwork just to prove that they got what it takes to make a living abroad. After that, they have to go through the heartbreaking process of saying farewell to their loved ones for the time being, promising to come back after a year or two, with the hope of providing financial assistance back at home. Yes, we’ve heard this story countless times, with many success stories of families having bountiful lives thereafter and their patriarch or matriarch coming home safely to their families, yet, there are also those who do not come back unscathed, suffering low pay and abuse from their foreign employers. As sad and heartbreaking as these stories may be, our fellow Filipinos are not intimidated by the risks, still strengthening themselves for the tough job prospect ahead in order to give their loved ones a good, bountiful life. This is further supported by recent data gathered by the PSA (Philippine Statistics Authority), with the number of OFWs reaching an all high estimate of 2.3 million during and between the periods of April to September 2018. Take note that the data was gathered back in 2018, more than a year has passed, hence, the number may have grown by then. In such case, you can imagine the amount remitted by our beloved OFWs, reaching millions every month, thus further contributing to the economy. After all, the money sent to their loved ones are utilized to avail their daily needs, and these needs contain the usual taxes, hence, they go straight to the government, which would then use these funds to provide a much improved economy to the people. No wonder our OFWs are known as one of the unsung heroes.

With that being said, there is no doubt that they contribute more to the country than most of us could possibly know. There is a common misconception that these remittances helps nobody but their loved ones, but that cannot be any further from the truth. Remember, every time that their family would spend these remittances, they include taxes which the government can use to provide us with helpful economic programs. Even tuition fees have a particular amount dedicated to tax, so there is no way that these remittances are only helping an OFW’s family members. Now, you may say, “Okay, since these remittances are important to the economy, then it would only be reasonable enough that the remittance process itself should be well-secured and trustworthy.” Well, you are definitely correct. The thing about most remittance centers is that they are convenient to interact with, yet, have countless loopholes, in terms of their security and privacy. You may have heard stories of an OFW’s family back at home not being able to receive any amount, as the money has been swindled out of their reach. This isn’t a new thing, as this has been happening for decades. The good news is that, with the enhancements in technology, the remittance process has been made more secure than ever, with thieves only ever getting away with the money due to human error on the part of the receivers.

In certain cases, the error isn’t even on the part of the receiver, but on the one who is sending the money back at home. Take note that when we say “human error,” this usually means not being careful when it comes to sending or receiving the money. There are proper procedures when undergoing the remittance process, and once these procedures aren’t met or followed, people who do not have your best interest in mind may take advantage. But don’t worry, we had prepared a few tips for you to follow just in case you are unsure of what to do:

a. Transacting with unauthorized agents and unverified remittance centers.

The rule of thumb for OFWs would be to validate whether or not they are dealing with trustworthy individuals. Do not give your amount to any person claiming to be a representative of a remittance company outside of the main establishment. Be sure that you are within the premises of the remittance center, and that they are behind the transaction counter, complete in uniform and valid work ID. Remember, there will always be those who do not have our best interest in mind, and being a wise and cautious sender would be the best way to avoid them. Also, take note of the main establishment, and whether or not they are verified remittance partners. If not, it would be best to avoid them and to search for a much trusted option. This same rule goes towards the ones receiving the remitted amount. Only speak with authorized personnel, and not those who are claiming to “ease up the transaction process.” The common term for these types of people would be “fixers.”

b. Sending the wrong control number.

For the usual money remittance process, your loved ones at home should have a few valid IDs and the control number ready. While valid IDs are an easy thing to have around, regardless of transaction types, the control number should be a 100% correct. You will be given the control number from your end, after which, you should immediately send it to your loved ones, either by text or online message. Make sure that every digit is sequenced correctly or your family would not be allowed to receive the amount. Of course, the authorized remittance personnel are only doing their job in making sure that the right person would receive the secured amount, hence why utmost care should be taken when sending and receiving the control number. If you are the receiver of the financial assistance, never give your control number to anyone, let alone share it with strangers or post it on Social Media.

c. Providing the wrong details.

Understandably, everyone goes through rigid stress every once in a while. That usually causes loss of focus and concentration. If you happen to be experiencing that while trying to remit or receive money, take time to settle down and gather your mind. You function better when taking deep breaths. Double-check the details that you’re going to provide for the remittance transaction. Check if the names are correctly spelled, make sure that they can be easily read by the remittance agent, and that the contact numbers are in place. For OFWs, your recipients would have a hard time receiving the cash, especially if there are spelling errors, as the remittance agents from their end would usually require a valid ID for verification, and if the spellings don’t match, then they will refuse to release the amount to your loved ones.

Remember these short tips and you’re all set to complete the remittance process, whether you’re the one sending the money or you’re the one receiving it. Of course, you still need to look for a well-trusted option, in order to ensure the smooth processing of the transaction. Speaking of a much trusted option, you may be ready to send your hard-earned money to your family back at home; however, you are still undecided as to which remitting center you should transact with. Well no need to look any further. With Cebuana Lhuillier’s Pera Padala Service, you are ensured an easy, quick, and safe way to send and receive money. With 2,500branches nationwide and 1.5 million global touchpoints, this money transfer service is made available to clients within and outside the Philippines. All transactions are real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch. So for our beloved OFW patrons, feel free to visit any of our international partners – we assure a fast, easy and secure transaction.

Financial Priorities: Starting the Year Right with the Correct Investment

The New Year has finally landed and you are given the option to either make it big or not this year. If your previous year has been a very bountiful one then good for you, at least you were lucky enough to raise your savings and accomplish your recent resolution, something that most, if not all, has a hard time achieving even once or twice through their lives. If your recent year has been a downer, whatsoever, no need to feel bad about it, as this would only mean that you have more chances of accomplishing it this year. 2020 marks a new beginning, a new year, a new decade, and a fresh start for your investments. Speaking of which, have you already thought about expanding your horizons this year? Have you already planned out on which venture you’re bound to invest your savings from the previous years? The thing about 2020 is that many companies and institutions are hoping to expand. If you happen to have the right amount, investing in one of them would land you a good regular income. If that’s not your thing, however, and you decide to go solo and invest on something that you can solely capitalize on, then these following ideas and recommendations may just be the right ones for you:

1. A small business

This is always the first option when it comes to proper investments. Now, you may ask, “Why is it just a small business? If I have the money, why don’t I establish a big business model right away?” Well, you have a point, indeed, you may have the appropriate savings to go big from the very beginning. Everyone wants to earn big right away, so starting big would mean getting back something big as well in return, right? Well, that would actually be unwise. Any business consultant and professional would tell you to establish it small first. Yes, risk is always part of a business venture, but there are also appropriate risks which should be taken at the right time. Taking on a big risky business model right away without any Plan B would be too disastrous for your funds if things do not go according to plan. This is true, especially for beginners. Big risks doesn’t always equate to big success. After all, there’s a reason why it’s called a “risk” in the first place. Start out small, test the waters, gain experience, and once you’ve found solid ground and foundation for your business model, increase your venture, slowly but surely. Be wise about every step. You can also secure your business MicroBiz Protek, a microinsurance product for only P540.

2. An insurance plan

One of the best investment that you may give both to yourself and to your loved ones would be an insurance plan. In the Philippines, there is a negative belief that getting an insurance plan would mean that you are either inviting accidents or something worse into your everyday life. That is a common misconception and should not be believed at all. An insurance plan is a wise investment, as it would cover any expense that may arise, just in case something unfortunate would happen. The thing is, in spite of our alertness and vigilance, accidents and calamities may still happen. Most of the time, it’s not even our fault, we just end up in the wrong place at the wrong time. In such case, avail an insurance plan that may cover accident, illness, death, property damages, etc. so that you wouldn’t have to spend too much on the expenses. These occurrences cost a lot, and insurances would cover them, enabling you to cut cost and save for the foreseeable future, may it be for needs or wants. You do not even need to avail the most expensive premium, as there are insurance plans which are flexible enough to fit your current budget. Feel free to discuss further with authorized insurance personnel to know more about your options. This may not seem like a proper way to double or triple your money, but think about it, wouldn’t it at least save you hundreds and thousands? Wouldn’t that be equivalent to earning money as well in the long run? For personal insurance, you can check out Protectmax, a microinsurance product designed for individuals aged 7 to 70 years old.

3. House funds and savings

Everyone wants to own a house. You may be thinking of buying a plot of land for your family, and even planning on having a well-structured home on top of it. The thing is, these would require huge amounts. If you happen to win the lottery one day then all of your troubles are now gone. Congratulations! But that certain type of luck doesn’t really come to people like drops of rain on a bad weather. Most, if not all, have to work really hard in order to have enough for a home, a house and lot that they can shelter their loved ones in. For the most part, it would take countless years in order to attain a completely made and furnished home. It takes decades for the average Filipino to even own a house under their very own name, let alone, the whole plot of land itself. The good thing is, there are stutter payment options for Pinoys who would like to invest a part of their earnings each month towards a home developer. There are flexible choices out there, allowing people to either invest monthly or annually from their very own pockets. Yes, it would still take years and years of investing to finally own a house, but think about this, the younger you start, the quicker you’d have that house well-invested enough to be ready by the time you’re into your mid-30’s or 40’s. Some would even plan it out as a retirement option, so after they quit and acquire their pension, they’d just simply settle down in their home and enjoy the benefits of their long tenure. If you want to build your own house now, you may be interested to avail of Cebuana Lhuillier Bank Home Loan.

4. A Micro Savings account

For those who are not familiar with Micro Savings accounts, they are basically “a branch of microfinance, consisting of a small deposit account offered to lower-income families or individuals as an incentive to store funds for future use. Microsavings accounts work similar to a normal savings account, however, are designed around smaller amounts of money.” Since they are designed to cater “around smaller amounts of money,” they have a much simpler list of requirements, which means they are more accessible than your average bank account. Believe it or not, recent data has shown that not all Filipinos have a bank account of their own. Understandably, it is due to the complicated list of requirements by well-known banks around the Philippines, thus, making it too intimidating for the average Filipino. Micro savings aren’t like that. They are simpler, more accommodating, and easier to manage than normal bank accounts. With all of these in mind, you may be looking for a well-trusted name that would safely value the security of your hard-earned money. Well, look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. So what are you waiting for? Feel free to visit the nearest Cebuana Lhuillier now!

 

Reaching the Extra Mile

Cebuana Lhuillier has done it again! Back in 2017, they launched their #Kaya Na: Unbanked Filipinos No More campaign, and in a matter of months, they were able to successfully motivate 2 million Filipinos to open their very own micro savings account. Now, in 2020, that number has gone up to 3 million micro savings account holders. Such a surge in numbers is definitely a crowning achievement for Cebuana Lhuillier, as in the recent years, they have been monitoring the data from the BSP (Banko Sentral ng Pilipinas), with the regards to the ever dwindling number of Pinoys without bank accounts. Understandably, people are having second thoughts about opening their own accounts due to the fact the requirements can be overwhelming, but not with Cebuana Lhuillier. Micro Savings has been a major forefront of their service recently and that certain factor has been going strong as we enter a new decade. You may ask, “What makes Cebuana Lhuillier a more efficient “bank” than the average bank itself? What did they get right that other banks didn’t?”

For someone new to Micro Savings, what is it and how significant is it for the financial growth of people?

Micro savings is “a branch of microfinance, consisting of a small deposit account offered to lower-income families or individuals as an incentive to store funds for future use. Microsavings accounts work similar to a normal savings account, however, are designed around smaller amounts of money.”

From that definition, we may conclude that it is indeed in the best interest of Filipinos to apply for a Micro Savings account. While that may be a simple equation at first, it isn’t that simple. Many are still doubtful of this concept, as more people trust banks with well-known names rather than your average pawnshop handling their finances. But that is exactly the point, a pawnshop that knows the value of your jewelries and appraisals would have a better idea of your budget since they happen to know the everyday struggles of Filipinos. Surely, no one would pawn off their items if they aren’t short on money.

Breaking through the barrier

With that being said, the next best thing to do would be to offer their Micro Savings services, however, the doubt that we’ve mentioned before seems to be a barrier that used to prevent Filipinos from applying for their own account, all of that seems insurmountable until Cebuana Lhuillier launched their campaign a year ago which, as everyone knows by now, was a complete success. That certain degree of success didn’t stop until the introduction of a new decade. 2020 seems to be the continuation of this campaign as 3 million Filipinos were able to put their trust in Cebuana Lhuillier’s capabilities to manage their finances. And rightfully so, as they were able to show their efficiency when handling people’s money, while at the same time maintaining the high amount of quality service that anyone would be proud of. But that’s not only the deciding factor. Remember when we said that Cebuana Lhuillier’s Micro Savings services was a much easier option than the average bank? We were not lying about that. For example, here are a list of requirements for a micro savings application:

  • 1 Government issued ID
  • Birth Certificate (applicable to minors only)
  • Student ID (applicable only if student is currently enrolled)
  • P50 minimum initial deposit
  • P100 card fee (for clients w/o 24k card)

Of course, there are a wide list of  accepted valid IDs. Since the main aim is to make the service as accessible as possible, the other accepted valid ID are:

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s 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)

After preparing these, interested applicants may simply go to any Cebuana Lhuillier branch and fill-out the Client Customer Information File Sheet. If you have kids which are below eight (8) years old, the good news is that you may also apply an account for them. Filipino citizens as young as seven (7) years old are qualified to open an account, which can be considered as a “kids savings” or “junior savings” account.

Other than that, what are the main details about Cebuana Lhuillier’s Micro Savings account? Look no further than this chart:

Interest Rate Per Annum 0.30%
Minimum Balance to Earn Interest Php 500
Minimum Maintaining Balance None
Dormancy Period None
Maximum Account Balance Php 50,000
Deposit Amount Min. Php 50; Max Php 50,000
Withdrawal Amount Min. Php 100; Max Php 5,000
Deposit Fee FREE
Number of Allowed Withdrawals Per Day 3
Withdrawal Fee May be subject to rates
Requirements to Open An Account 1 valid government ID
24k Card Fee (For Non-24k Card Holder) Php 100

Everything seems to be reasonable from this standpoint, so it’s no wonder that Filipinos continued to support this service. That continued support may have spread more about Cebuana Lhuillier’s efficiency with their services, which is why many were convinced to apply for their own account. The amazing thing about this is 3 million wasn’t even a golden number, a goal that the acclaimed pawnshop hoped to achieve, as their main focus was on helping as many Filipinos as they can with regards to financial security and stability. Throughout the years, Cebuana Lhuillier has evolved from being just a mere pawnshop to an institution that utilized its many years of experience to assist Filipinos with their budget and needs. Yes, the mainstay pawning service still remains, but services such as the micro savings definitely cemented their legacy, even for years to come. If you aren’t convinced yet, don’t just take it from us, let the numbers speak for itself and experience the high-quality service that only Cebuana Lhuillier can provide.

With all of these in mind, you may be looking for a well-trusted name that would safely value the security of your hard-earned money. Well, look no further than Cebuana Lhuillier’s Micro Savings services. At its core, it aims to provide easier banking access to Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. So what are you waiting for? Feel free to visit the nearest Cebuana Lhuillier branch now!

Decluttering for the New Year: For Keeps or for Pawn?

What a mess?! 2020 has arrived, and yet, you haven’t thrown out the unnecessary clutter over the past few weeks. The thing about clutter is that they often distract you from the things that you should be more focused on. You are given the opportunity to start the New Year right. You have to freshen up and initiate on your resolutions, yet, you can’t do that with items obstructing your path and attention. There may be old clothes, bags, shoes, gadgets, etc. lying around your room and you do not know what to do with them. You can either give them away or completely throw them out. Of course, giving them away to people in need would be a great course of action, but the opposite can also be said about throwing them out, especially if the items in question are still in good, working condition. Albeit these two choices, there is a third option that may better interest you, pawning them off. Pawnshops have since evolved from merely accepting jewelries to accepting a good, working cellular phone. Some pawnshops even accept TVs and appliances, depending on the terms and conditions. In such case, allow us to provide a few tips, with regards to getting rid of your accumulated clutter, while also making a few extra amounts in the process:

1. Pawning off your jewelries

Let’s start with the basics. When pawning off jewelries, the very first question you should be asking is whether or not you’d still use it. If the jewelry is still in great condition and it still catches your eye even after many years of possession, then by all means, keep it. Original jewelries last longer than fake ones. Keep the original and get rid of the fakes that you may have bought just for the fun of it (and temporary aesthetics). Fake ones tend to break easily, so you’re better off throwing them out. If you’re the type to organize your accessory drawer then at least you’d have no accumulated clutter, but if that’s not the case then at least have the sense to clean it up, declutter your drawers, and decide on what you’ll do with your old jewelries. Pawnshops like Cebuana Lhuillier would usually provide a fair and high appraisal on pawned items, depending on the condition of the item itself. It is for this very reason why you should visit them one of these days, or immediately after cleaning up your home, in order to gain a few amounts in the start of the year.

2. Pawning off gadgets

Every year, cellular phone manufacturers would introduce a new make or model of their flagship phones. While every iteration of these device would seem fantastic at first glance, the sad reality remains that they are just mild upgrades, yet, are still being sold at a high price. If you happen to have your cellphone with you, think carefully about whether or not you’re ready to buy a new one. If your phone still functions like a charm, then by all means, keep it. If you think that it has ran past its well-needed use, however, then you may still pawn it off. As with jewelries, you may need to inspect its efficiency and condition even before asking for an appraisal. Oh, and we almost forgot to mention. If you happen to have a clutter of old cellular phones lying around, test them out and validate if they still work. If they are working fine after all these years, perhaps you may try to pawn them off instead. Do not stock cellphones in your drawers, by the way. There are certain dos and don’ts regarding this. If you’re no longer using a cellphone unit, take off the battery and keep it at a safe box. Regularly check the batteries as well for any forms of leaks or air bubble. They tend to explode when left unchecked, it is also for this very reason why you should inspect them carefully before running straight to the pawnshop, as you wouldn’t want an exploding device to go off during the appraisal process. Maintain them when not in use so you may still pawn them off at the right time.

3. Pawning off appliances

What else can we say about appliances? While not all pawnshops accept them, there are still some who do. Television, refrigerators, washing machines, you name it. As with all items which can be pawned off, make sure that they work well. Refrigerators which no longer freezes, washing machines which no longer spins, and televisions which only gives off sound are a perfect example of appliances which shouldn’t even make it to the appraisal stage. You might even be rejected at the items first glance, if the outer aesthetics do not meet well-regulated item standards. Remember, if it’s broke, you’re better off giving it to the junk shop than to the pawnshop, at least the junk shop would accept it with no hesitation.

Now that we’d discuss the various possible items that you can pawn off from your clutter, let us discuss the negative effects of having them around with the huge mound of mess in your home. Here are the negative effects of clutter:

a.  It may aggravate your senses – Clutter gives you that certain senses overload. You have lots of items around you that it almost becomes unbearable to focus on one thing.

b.  It may hinder your progress – Have you ever encountered a tasks which would require you to move from one place to another? Imagine how long it would take if your every move is obstructed by a clutter?

c.  It may trigger your allergy – Clutter has a certain way of housing germs and pests. Do not make the mistake of creating an unwanted ecosystem indoors. Clutter would shelter these germs and allergens which may irritate your senses as well. Be sure to clear everything out before that happens.

d. It may trigger stress, resulting to weight gain – You’ve read that right, stress is equals to weight gain. We know that you’d be more worried about and focused on the weight gain part and not the “clutter causes stress” part, so we thought of emphasizing on your biggest worry. Avoid weight gain, avoid accumulating clutter.

e.  It prevents you from starting anew – A New Year means a fresh start, and you would not be able to achieve that if you still have a lot of old stuff lying around. This doesn’t mean that you should spend money on buying new items, but rather, getting rid of all the old items that you no longer use on an everyday basis.

With all of that being said, you may be looking for a pawnshop that would provide you with the most secure, reliable, and honest service and highest appraisal 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 a high appraisal rate in the industry in its 2,500 branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Sangla Bonanza

Hindi lang mataas ang appraisal, may chance ka pang mag-uwi ng up to PhP50,000 sa grand draw o di naman kaya ay instant prize kung ikaw ang first time pawning client! Magsangla lang sa kahit saang Cebuana Lhuillier branch nationwide. See posters for more details. Per DTI-FAIR TRADE PERMIT NO. FTEB-24733 & FTEB-24735, SERIES OF 2019.

 

Promo will run from January 15 to April 14, 2020 for new pawning and until July 14, 2020 for renewal.

 

CLFI and Aboitiz Foundation Team Up to Promote Alternative Learning

Cebuana Lhuillier Foundation, Inc. Executive Director Jonathan D. Batangan(center right) and Aboitiz Foundation, Inc. First Vice President and Chief Operating Officer Maribeth L. Marasigan (center left) do the ceremonial handshake to signal the start of CLFI’s online fundraising campaign for their Alternative Learning Program on KINDer. Joining them are Danny M. Cerence, Aboitiz Foundation Inc. Assistant Vice President (leftmost) and CLFI Program Development Head Anna Leah F. Macalincag.

Cebuana Lhuillier Foundation Inc. (CFLI) and Aboitiz Foundation Inc., recently formalized its partnership to promote the CFLI’s Alternative Learning Program (ALP) for education on the latter’s donations website KINDer by Aboitiz. Cebuana Lhuillier Foundation Inc. Executive Director, Jonathan Batangan and Aboitiz Foundation Inc. President and COO, Maribeth L. Marasigan, led their teams during the partnership event.

The MOA signing and ceremonial donation signals the start of CFLI’s online fundraising campaign for the Alternative Learning Program (ALP) on KINDer. CLFI launched its ALP campaign to set-up new community learning centers for Out-of-School youth and adult learners.

“This is an exciting step forward for both Cebuana Lhuillier’s and Aboitiz Foundation’s advocacies to advance education in the country for the many individuals who benefit from our ALS program” said Cebuana Lhuillier President and CEO, Jean Henri Lhuillier.

“This partnership with Aboitiz Foundation opens another opportunity for CLFI to reach out and help other learners achieve their dream of completing education and pursuing better employment and livelihood opportunities in the future to help make their lives better. With the campaign going live on a successful platform such as KINDer I am glad and thankful knowing that we are bound for great things.” said Jonathan Batangan, CLFI’s Executive Director.

Maribeth L. Marasigan, Aboitiz Foundation’s President and COO also shared her excitement on the recent partnership with CLFI.

“We are always proud and excited to have new partners in advancing communities. Now, with our collaboration with Cebuana Lhuillier Foundation, we are confident to reach more communities, widely advocate #KinderEveryday, and tap more supporters who will donate to the various social causes on our donations website, KINDer by Aboitiz.” shared the executive.

Cebuana Lhuillier Foundation Inc.’s Alternative Learning Program was established in 2013 in partnership with the Department of Education and aims to equip ALS learning centers with ICT equipment to provide Out-of-School Youth and Adults the chance to complete elementary or high school education. As of December 2019, the foundation has already opened 87 ALS centers nationwide

“With our ALS campaign on KINDer, I’m certain that more OSYs and adults will have the chance to continue schooling. This partnership is truly a great step forward.” added Mr. Batangan.

KINDer by Aboitiz is Aboitiz Foundation’s crowdfunding website that houses various advocacy campaigns in the Philippines. With KINDer, users can browse through the different campaigns and donate to provide their support.

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)