#UsapangPera: Mga Tips sa Pagyaman with Sir Vince tackles money issues such as savings, loans, budgeting, and investing among others. Visit Sir VInce's website: www.vincerapisura.com. How to join SEDPI Coop: 1. Join SEDPI at bit.ly/SEDPIOnlineSRI by clicking “Register” and filling out the form 2. Take the online Pre-Membership Education Seminar (PMES) at bit.ly/SEDPICoopPMES 3. Pay membership fee and initial share capital bit.ly/SEDPIPay Simulan ang pagiinvest the socially responsible way sa: bit.ly/SEDPIOnlineSRI Pag-IBIG MP2: * Watch the play list: https://www.youtube.com/playlist?list... * How to invest: https://m.me/vincerapisura?ref=w13160758 SSS Retirement: Watch the playlist https://www.youtube.com/playlist?list... How to invest 100K: https://youtu.be/dxHRZn7uP-4 Celebrity guests include venus Raj (Season 1); Nicole Cordovez and Sinon Loresca (Season 2); Atom Araullo (Season 3) and Porky (Season 4). Smart Parenting Board of Expert

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So kung kayo po ay interested na sumali dito, ito po yung mechanics niya at terms and conditions niya.

So ito ay shared farm joint venture savings through SEDP Co-op.

So SEDP Co-op po yung magmamobilize ng savings natin, titipunin natin yan,

tapos ilalagay natin sa Melendrez Farms so that they can execute the shared farm.

Ang minimum po dito ay P10,000 at in multiples of P10,000 din po ang tatanggapin natin.

Ang maximum na investment ay P500,000.

Five years po ang term nito, annual ang payout.

So medyo long term po ang ating investment.

And this is open to SEDP members only.

Kaya kailangan po magpamiembro kayo ng SEDP Co-op.

Profit sharing ito, ang estimate natin ay 1% to 8% pero yung 1% po ay sa first year lang yan talaga

kasi nagsisimula pa lang.

Second year, third year, mas magsestabilize na po talaga tayo dyan.

Payouts, kapag napunta na po sa wallet natin yan sa SEDP SRI online, hindi na po nag-earn yan,

mayroon pong five years na holding period.

So 10% po ang pre-termination fee dito kapag tayo ay magpre-terminate

kasi malalock-up po talaga yung pera natin doon sa infrastructure

and it will really take some time for us to look for liquidity para i-replace yung inyong investment.

Kaya po mayroon 10% na pre-termination fee yan.

And pre-termination is subject to replacement savers.

So dapat po mayroon tayong maingganyan na iba para to take your place.

Wala po itong guarantee.

So 5% po ang entry fee nito pero up until March 31, 2023, 0% po ang ating entry fee dyan

para naman magkaroon kayo ng advantage over doon sa,

kumare mayroon tayong shared farm tapos sasali sila,

naka two years or three years na yung farm natin,

so mayroon tayong 5% na entry fee doon para mag-equalize naman ng kaunti.

Tapos mayroon po itong 1% na annual management fee.

Tapos mayroon din tayo sa Kalinaw at Hacienda San Benito.

So ito mayroon tayong mga chicken, may sheep at may vegetable pa rin dyan.

Tapos ito naman po ay sa Balay at Melendrez Farms.

Sa Antipolo po ito.

Kakapunta nga po doon kanina.

By the way, happy 10th anniversary sa Organic Options.

Congratulations sa inyo.

And you're doing a wonderful job.

Kaya naman naisip ko talaga, I think this is the best time to relaunch these shared farms.

At ito yung mga nasa Malico naman.

I think this is somewhere up north.

Ito po ay sa Balay at Melendrez pa rin.

Ito naman sa Linang.

Ito ay sa Vizcaya.

Sa Earthman Camp naman ito.

So ito po yung mga pictures ng iba't ibang mga existing na shared farms.

Pwede po tayong mag-participate dito and we would be able to use this

para makapagpatayo pa tayo ng iba pang mga shared farms sa iba't ibang bahagi ng Pilipinas.

So to move forward, sila yung Earthman yung partner natin dito.

Yung mga social investors natin ngayon ay titipunin natin yan at mag-iinvest tayo sa shared farm.

So yun.

Makikita natin dito sa graph na ito na sa returns talaga, pag titignan natin,

during the first year talagang flat pa muna.

Pero usually tumataas naman na siya on the second year, 4 to 5%.

And then pumapalo naman siya ng 4 to 6 and 7% ng second year.

Tapos sa third year, dun po natin ini-expect na mas maayos na talaga ang returns natin.

So mayroon pong 14 existing shared farms lahat

gusto natin mag-expand sa Antipolo, Batangas, Tarlac at sa Nueva Vizcaya.

So kung kayo po ay interested na sumali dito, ito po yung mechanics niya at terms and conditions niya.

So ito ay shared farm joint venture savings through SEDP Co-op.

So SEDP Co-op po yung magmamobilize ng savings natin, titipunin natin yan

tapos ilalagay natin sa Melendrez Farms so that they can execute the shared farm.

Ang minimum po dito ay P10,000 at in multiples of P10,000 din ang tatanggapin natin.

Ang maximum na investment ay P500,000.

Five years po ang term nito, annual ang payout.

So medyo long term po ang ating investment.

And this is open to SEDP members only.

Kaya kailangan po magpamiyembro kayo ng SEDP Co-op.

Profit sharing ito, ang estimate natin ay 1-8% pero yung 1% po ay sa first year lang yan talaga

kasi magsisimula pa lang.

Second year, third year, mas magsestabilize na po talaga tayo dyan.

Payouts, kapag napunta na po sa wallet natin yan sa SEDP SRI online,

hindi na po nag-earn yan, mayroon po five years na holding period.

So 10% po ang pre-termination fee dito kapag tayo ay magpre-terminate

kasi malalock up po talaga yung pera natin sa infrastructure

and it really takes some time for us to look for liquidity para i-replace yung inyong investment.

Kaya po mayroon 10% na pre-termination fee yan.

And pre-termination is subject to replacement savers.

So dapat po mayroon tayong maingganyan na iba para to take your place.

Wala po itong guarantee, 5% po ang entry fee nito pero up until March 31, 2023,

0% po ang ating entry fee dyan para naman magkaroon kayo ng advantage over dun sa,

kumare mayroon tayong shared farm tapos sasali sila, naka two years or three years na yung farm natin

e di kita na sila agad. So mayroon tayong 5% na entry fee doon para mag-equalize naman ng kaunti.

Tapos mayroon po itong 1% na annual management fee.

So ang pag-usapan naman po natin ngayon ay ang profile of nano enterprises.

At dito po we will talk about their livelihood characteristics, how they access financing,

how they participate in the market, how they cope in times of emergencies,

paano ba sila in terms of digital inclusion, access to government programs and services,

and the way forward on how to help our nano enterprises.

So ano ba yung nano enterprises? So distinguish natin sila from micro enterprises.

Ang assets po ng nano enterprises ay nasa P3,000 to P150,000 habang ang micro enterprises

ay greater than P150,000 to P3,000,000. That's how we propose it.

Employees, zero for nano enterprises or unpaid family members, yung kasama nila.

Tapos sa micro, one to nine ang employees.

Ang enterprise registration, mostly unregistered ang mga nano enterprises

samantalang ang mga micro enterprises ay mostly registered.

At ang approximate number natin dyan, ang estimate po sa ating pag-aaral,

nasa 8.1 million ang nano enterprises sa Pilipinas at 1 million ang nasa micro enterprise.

So ito pong nano enterprises natin, they are typically unregistered livelihoods

of self-employed individuals or informal solopreneurs.

Mag-isa lang talaga sila, self-employed at hindi rehistrado.

At yung asset size nila nag-arrange from P3,000 to P150,000, they operate their business alone

or with the help of their unpaid family members targeting their immediate local communities.

So yan po yung nakikita natin usually sa mga nano enterprises.

So 8.1 million ang estimate natin sa kanila as of 2022.

So why nano enterprises? Why do we need to focus on them?

Most government programs fall under the banner of micro enterprises.

Diba? Malamang baka ngayon nyo lang narinig yung nano enterprises.

At because of this, it grossly misrepresents the needs and largely excludes the magnitude of nano enterprises.

Kasi diba yung micro enterprises ay assets up to P3,000,000.

Pag tumutungtong ka na ng million, millyonaryo ka na pero ito mga nano enterprises ay hindi.

Sila po ay usually mga poor, mga low income sila na mahihira.

So we want to make nano enterprises visible because this will mean na magkakaroon ng more effective

and customized policies and programs for them dahil sila ay isineseparate from the bigger whole.

And we would be able to provide them with the opportunity to grow into a more sustainable enterprise

that would lift them out of poverty.

So directly addressing, pag directly kasi natin na-address yung needs ng mga nano enterprises,

mare-reduce natin yung number of poor Filipinos and that is a very good opportunity.

And it would be a great leap forward for our economic development.

Okay, so let's go to their profiles, sa kanilang livelihood characteristics.

Usually, ito ay mga sari-sari store operators, examples lang natin.

Karinderia, mga smallholder farmers and fisher folks, mga dressmakers, ambulant vendors,

mga gig economy, delivery riders, rideshare drivers, mga freelancers, mga graphic artists,

mga distributors. These are all, itong mga ito ay nakaklassify na under the banner of nano enterprises

kasi usually low income and then sila ay solo entrepreneurs.

Shared farm investment opportunity, pag-uusapan po natin ano ba ang shared farm,

paano ba gumagana ang isang shared farm, at paano tayo mag-invest dito kung kayo ay interesado.

So ang shared farm po, ito po ay isang paraan ng pag-agrikultura.

At ginagawa natin siya in the background of this.

So 80% kasi ng ating population ay dependent sa agrikultura.

So ito na naman talaga, marami ay nakalink ang kanilang kabuhayan sa agrikultura.

At ito ang ating third economic driver.

Services siguro yung first. Baka manufacturing yung second pero I'm not really so sure.

Ang sure ako talaga ay services ang number one.

The average age of Filipino farmers ngayon dahil tayo po ay may hinaharap na food security.

33 million workers in the Philippines ang related sa agrikultura.

33 million lahat yung nasa Pilipinas at 11 million dyan ay related sa agrikultura.

So 33.3% ng ating employment ng ating labor force ay related sa agrikultura.

Kaya napakahalaga po talaga nito.

99% of our Filipino farmers belong to the bottom of the pyramid.

Napakasakit, mahirap ang buhay ng ating mga farmers.

So dito sa protected cultivation, ito ang kalagayan.

Ito ang ibig sabihin ng protected cultivation.

Ito ang mayroon tayong greenhouse.

So pag ikukumpara natin sa Vietnam, ang kanilang protected greenhouses ay nasa halos 6,000 hectares.

Sabihin mo na.

So nasa 6,000 hectares ang kanilang greenhouses. All over the country yan.

Sa South Korea, 21,000 hectares.

Sa Japan, 40,000 hectares ang kanilang protected areas na cultivated.

Ito ay mga greenhouses.

Hula naman natin kung ilan ang Pilipinas.

O ayan, tumataginting na 300 hectares po lamang.

Kasi malaki pong investment kasi ang paglalagay ng greenhouses.

At ang benefit po kasi pagkakaroon ng greenhouse, pag tayo ay meron yan,

all year round tayong puwedeng magtanim kasi less vulnerable tayo sa extreme na init or extreme na lamig.

At kakayanin po natin magtanim all year round dahil nakokontrol natin ang temperature,

nakokontrol natin ang quote unquote climate doon sa loob maski ang soil doon sa greenhouse.

Kaya mas productive, mas madami tayong beses na puwedeng magtanim.

So yung shared farm po is a collaborative platform to engage in agriculture using a capital life model.

Capital life kasi mag-aambag-aambag tayo doon sa paggawa ng greenhouse na yan

so that we can support farmers.

And we do this to achieve a triple bottom line.

Yung triple bottom line po natin ay social, economic, and environmental.

Meaning the social, financial, and environmental aspects ng pagbibisnes.

So dito po sa shared farm, we share resources, risks, and wealth.

And this is going to be under the management of a group of experts.

So may mga farmers po tayo at mayroon din mga experts na magtuturo sa kanila ng teknolohiya

at magta-transfer ng teknolohiya, magbibuild ng greenhouses para mas maging produktibo yung ating lupa.

So with this, yung mga social investors naman ay magpa-partner with our farmers

to help revolutionalize the agriculture in our country.

So ito po yung mga greenhouse partners po natin usually guaranteed siya ng 1-8% na annual earnings.

So yung shared farm natin, ang una po natin na gagawin dyan ay magkakaroon tayo ng technical supervision

at syaka yung shared farm mismo ay ima-manage natin yan.

So this is through Melendrez Farm at syaka sa Earthman and Company.

Okay? Tapos yung marketing arm naman kasi isa yun talaga sa missing link ng mga farms natin,

na nagkakaroon ng mga farmers natin.

Mahirap kasi talagang magbenta ng mga produkto na hindi dumadaan sa middleman.

So magkakaroon tayo yung ating mga vegetable produce, for example,

na ibebenta natin yan sa mataas na presyo o mataas na halaga through organic options.

So nandito po yan sa ecosystem ng organic options.

So kung kayo po interesado, pwede po kayong jumoin dyan.

Ibang-ibang mga existing shared farms na natin.

So ito ay organic onion and corn production.

Tapos meron din tayo sa Kalinaw at Hacienda San Benito.

So ito meron tayong mga chicken, may sheep, at may vegetable pa rin dyan.

Tapos ito naman po ay sa Balay at Melendrez Farms.

Sa Antipolo po ito.

Kakapunta nga po doon kanina, by the way, happy 10th anniversary sa organic options.

Congratulations sa inyo.

You're doing a wonderful job.

Kaya naman naisip ko talagang I think this is the best time to relaunch this shared farms.

At ito yung mga nasa maliko naman.

I think this is somewhere up north.

Ito po ay sa Balay at Melendrez pa rin.

Ito naman sa Linang, ito ay sa Vizcaya, sa Earthman Camp naman ito.

So ito po yung mga pictures ng iba't ibang mga existing na shared farms.

So pwede po tayong mag-participate dito and we would be able to use this

para makapagpatayo pa tayo ng iba pang mga shared farms

sa iba't ibang bahagi ng Pilipinas.

So to move forward, sila yung Earthman yung partner natin dito.

Yung mga social investors natin ngayon ay titipunin natin yan

at mag-i-invest tayo sa shared farm.

So yun.

Makikita natin dito sa graph na ito na sa returns talaga pag titignan natin

during the first year talagang flat pa muna.

Pero usually tumataas naman na siya on the second year 4 to 5 percent

and then pumapalo naman siya ng 4 to 6 and 7 percent ng second year.

Tapos sa third year, dun po natin in-expect na mas maayos na talaga

ang returns natin.

So mayroon pong 14 existing shared farms lahat

and gusto natin mag-expand sa Antipolo, Batanga, Starlak, at saka sa Nueva Vizcaya.

So kung kayo po ay interested na sumali dito, ito po yung mechanics niya

at terms and conditions niya.

So ito ay shared farm joint venture savings through SEDP Co-op.

So SEDP Co-op po yung magmamobilize ng savings natin, titipunin natin yan

tapos ilalagay natin sa Melendrez Farms so that they can execute the shared farm.

Ang minimum po dito ay 10,000 pesos at in multiples of 10,000 din po

ang tatanggapin natin.

Ang maximum na investment ay 500,000.

Five years po ang term nito, annual ang payout.

So medyo long term po ang ating investment.

And this is open to SEDP members only.

Kaya kailangan po magpamiyembro kayo ng SEDP Co-op.

So profit sharing ito, ang estimate natin ay 1 to 8 percent

pero yung 1 percent po ay sa first year lang yan talaga

kasi nagsisimula pa lang.

Second year, third year, mas magsestabilize na po talaga tayo dyan.

Payouts, kapag napunta na po sa wallet natin yan sa SEDP SRI online,

hindi na po nag-earn yan, mayroon pong five years na holding period.

So 10 percent po ang pre-termination fee dito kapag tayo ay magpre-terminate

kasi malalakab po talaga yung pera natin doon sa infrastructure

and it really takes some time for us to look for liquidity

para i-replace yung inyong investment.

Kaya po mayroon 10 percent na pre-termination fee yan.

And pre-termination is subject to replacement savers

so dapat po mayroon tayong maingganyan na iba para to take your place.

Wala po itong guarantee.

Five percent po ang entry fee nito pero up until March 31, 2023,

zero percent po ang ating entry fee dyan.

Para naman magkaroon kayo ng advantage over doon sa,

kumare mayroon tayong shared farm tapos sasali sila,

naka two years or three years na yung farm natin,

edi kita na sila agad so mayroon tayong five percent na entry fee doon

para mag-equalize naman ng kaunti.

Tapos mayroon po itong one percent na annual management fee.

Thanks for watching!

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