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The document summarizes four scenes from a play where different loan applicants apply for loans from a loan manager, Aviline Reyes. In the first scene, John Leomarc Retome applies for a loan for his loading station business. In the second scene, Joshua James Reyes applies for a loan to become a party organizer but is denied due to a lack of business plan. In the third scene, Ma. Concepcion Cezar applies for a loan to start a bicycle rental business. In the fourth scene, Maica Ignacio applies for a loan to start a food cart business and presents a business plan.
The document summarizes four scenes from a play where different loan applicants apply for loans from a loan manager, Aviline Reyes. In the first scene, John Leomarc Retome applies for a loan for his loading station business. In the second scene, Joshua James Reyes applies for a loan to become a party organizer but is denied due to a lack of business plan. In the third scene, Ma. Concepcion Cezar applies for a loan to start a bicycle rental business. In the fourth scene, Maica Ignacio applies for a loan to start a food cart business and presents a business plan.
The document summarizes four scenes from a play where different loan applicants apply for loans from a loan manager, Aviline Reyes. In the first scene, John Leomarc Retome applies for a loan for his loading station business. In the second scene, Joshua James Reyes applies for a loan to become a party organizer but is denied due to a lack of business plan. In the third scene, Ma. Concepcion Cezar applies for a loan to start a bicycle rental business. In the fourth scene, Maica Ignacio applies for a loan to start a food cart business and presents a business plan.
Loan applicant 1, Mr. Retome, will apply for a loan for his loading station business. Scene 2: Loan applicant 2, Mr. Reyes, will apply for a loan because he wanted to be a party organizer, hire people, and manage it.
Joshua : Good morning Ms. Manager!
Avi : Good morning. Why are you here for? Joshua : Your signage says that you are willing to accept loan applicants so I am here to apply for a loan. Here is my application form. Avi : Why do you wish to apply for a loan? Joshua : I want to be party organizer, can you just lend me 30,000 pesos? Avi : Have you ever experience doing business before or at least working in the same industry? Joshua : Yes Ma’am! Avi : What kind of business? Joshua : I experience working in a catering service, being a host of an event and such. Avi : So you came here without any business plan and only with your “skills” Joshua : Yes, because I am confident that I can run the business. Avi : Why did you choose our company to borrow money? Joshua : This is actually my first time to borrow money from a lending company like yours Avi : Okay, but what if your business fails? How will you cover the loans? Joshua : I actually don’t have anything to set as collateral except for my motorcycle. All I need is to make sure that the business is doing fine. Avi : We are very sorry to say this sir, but you did not pass the interview. Scene 3: Loan applicant 3, Ms. Cezar, will apply for a loan because she wanted to start a business, a bicycle rental. Avi : Good morning! How may I help you? Con : I would like to apply for a loan Avi : What kind of loan are you looking for? Con : I want to get a loan to start my bicycle rental business Avi : And how much do you wish to borrow? Con : I was hoping that I could get at least 20,000 pesos Avi : First, we need to check if your credit is good enough for a loan Con : You can see on my credit report that I have always pay on time. I know how important it is to pay debts on time Avi : I just have a few questions for the application, what is your gross monthly income? Con : I earn about 5,000 pesos so I suppose my average monthly income would be about 22,000 pesos Avi : Do you have an account here? Con : Yes, I have a savings account and some fixed deposit in your bank Avi : What if your business fails? What other assets do you have? Con : I have 2 hectares of agricultural land Avi : Hand over your documents and we will call you after reviewing them. Scene 4: Loan applicant 4, Ms. Ignacio, will apply for a loan to use for her food cart.
Maica : Good morning Ma’am!
Avi : Good morning. Why are you here for? Maica : I would like to borrow money for my business Avi : How much do you intend to borrow? Maica : 10,000 pesos for my food cart business Avi : Can you tell me more about your background? Maica : I am Maica Ignacio, 25 years old. I want to put up this food cart business to support my daughter because I’m a single parent. Avi : Have you ever experience doing business before? Maica : Yes Ma’am! Avi : What kind of business? Maica : Last summer I try selling street foods in front of our house and the results was great! I earn profit while I take care of my child. Our house is near the school so it became popular among students Avi : How much do you earn for a day? Maica : I earn about 700 pesos for a day. I want to borrow money to have a bigger capital so I can rent a food cart and provide variety of street foods. I already have 5,000 pesos for my savings Avi : Why did you choose our company to borrow money? Maica : I was a former client of JJ’s Lending Inc. but their company went bankrupt. But I was able to pay all my debts to them. I have a good credit history, I assure you! Avi : Can you discuss some of the content of your business plan? Maica : * presents her business plan * Avi : Okay, but what if your business fails? How will you cover the loans? Maica : I have my own house and I own the land, I will use this as the collateral to pay the loan which I think will not happen. Avi : Are you willing to pay the loan monthly with 5% interest to be amortized in a year? Maica : Yes Ma’am Avi : Hand over your documents and we will call you after reviewing them.