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00:00.0
Pag-uusapan natin yung case for nano enterprises. Ano ba itong nano enterprise na ito sir Ian?
00:07.3
Sir Vines, ang mga nano enterprises pag-uusapan natin yung karakteristikas at kung bakit ba sila dapat na iiwalay natin from the general cluster ng mga micro enterprises.
00:20.2
Ayan, okay. Sabi ng Department of Trade and Industry meron daw nearly a million micro enterprises in the Philippines.
00:32.5
So ito yung enterprise classification kasi ayon sa DTI. Kapag large business ka, greater than 200 million yung assets mo.
00:45.2
You have greater than 200 employees. At sa ngayon, ang bilang, according to DTI, ay around 5,000 ang mga large enterprises.
00:56.1
So kami, qualified kami sa assets dun sa SEDP pero sa employees, hindi pa.
01:02.0
So ang medium naman, greater than 15 million to 200 million. At ang employees ay 100 to 199.
01:09.7
Approximate number nila ngayon ay around 5,000 din.
01:13.5
Ang small, greater than 3 million to 15 million. 10 to 99 ang kanilang employees at 106,000 ang kanilang approximate number.
01:22.2
At ang mga micro naman, sir Vines, kapag ito yung kabuoan ng mga micro, ang yan ay up to 3 million pesos ang kanilang assets.
01:29.9
Ang employees ay 1 to 9. At sa ngayon, according to DTI, approximately 1 million ang mga micro enterprises.
01:37.0
Oo. At dyan ngayon ako nagkakaroon ng issue sa totoo lang kasi yung sa micro, pag titignan mo, up to 3 million.
01:44.6
So parang 1,000 to 3 million ay lahat kayo ay micro. Eh di ba, kapag may millones ka na, medyo hindi ka na poor eh.
01:54.8
So gusto namin ngayon na mag-propose na dapat, doon sa micro, iseparate natin yung mga poor sa non-poor.
02:04.1
Yung mga talagang low income at yung mga malalaki na yung income. At bakit natin ito pinopropose?
02:13.8
Kasi ito yung challenges niyan. It lumps together poor and non-poor enterprises in one huge bucket.
02:21.8
Kaya gusto natin na i-attempt na i-describe, at yung micro enterprise kasi it attempts to describe a very broad base of enterprises
02:30.9
that have largely varied capacity. Magkaibang magkaiba yung asset mo ay 50,000 at kapag 2 million na yung assets mo.
02:39.4
Kasi service kunyari, 2 to 3 million, malamang may shop na yan na maayos, malaki na, dami ng inventory.
02:45.7
Tapos kakwasify mo yung mga ambulant vendors na nakitinda for example ng ating kwek-kwek o kaya ng turon.
02:54.2
Hindi sila magkamuka. Para din yung sa damit. Kapag mga bata, abay pang batang damit ang ibibigay mo.
03:03.4
Pag matanda or adult, mga malaking damit na yun. So yun yung nangyayari sa micro enterprise.
03:09.1
Lelump nila, one size fits all. E meron pang mga maliliit dyan. Tapos binibigyan natin ng gown.
03:15.1
Parang hindi siya appropriate. Separating nano from micro enterprises would aid in policy development of the government
03:26.6
kasi mas magiging targeted na service. Mas makikita natin yung mga dapat na programa para sa talagang mga nasa lelayan ng lipubo.
03:35.0
At yung program intervention design and implementation of development organizations ay mas magiging targeted din.
03:43.1
So yan po yung magandang mangyayari.
03:47.4
So ngayon, ito yung pinitignan namin sa nano enterprises sa micro.
03:56.2
So yung assets ng nano enterprise, P3,000 to P150,000.
04:00.9
Pag micro enterprises naman, more than P150,000 pero ang damdang P3,000,000 pa din.
04:06.3
Tapos yung mga employees ay zero sa nano enterprises o kung meron sila, these are unpaid family members.
04:13.7
Sa micro enterprises naman, one to nine pa din.
04:17.1
And then sa enterprise registration, mostly unregistered ang mga nano enterprises.
04:23.0
At sa micro enterprises, mostly registered na ito.
04:26.1
At ang approximate number po nito ay nasa 8.1 million sa estimate natin sa pag-aaral na ginawa natin.
04:33.1
At ang mga micro enterprises, yun nga, nasa 1 million.
04:36.8
Ayan, okay. At syempre, yung tatandaan natin dito, yung nano enterprises ay low income, mostly poor.
04:43.8
Ang micro enterprises naman ay mostly non-poor.
04:47.1
O sir, it's kaya lang makikita natin yung approximate number kung bakit malaki siya.
04:51.0
Kasi nga hindi naman naka-capture yan ng mga government data usually dahil hindi registered.
04:55.4
Right, oo. So ako, anong ginawa namin yung study na yan ay tinignan namin yung mga
05:00.9
kine-cater na nano enterprises ng mga micro finance institutions.
05:06.0
All right. Okay. Sige.
05:12.2
So yung nano enterprises, ang maximum asset size niya ay 150,000.
05:17.1
They use rudimentary and obsolete equipment in manufacturing or delivering services.
05:21.4
Oo kasi syempre wala naman nga ang pera para bumili o mag-invest sa mga makabagong equipment.
05:27.8
Diba yung mga nagbabananak yun, nagfishball, gano'ng burner-burner lang, kawakawali lang.
05:33.4
At yun naman yung patok sa negosyo rin nila.
05:36.7
Nano enterprise yun. Ikumpala mo yan doon sa kayang mag-franchise, mag-stall na magbabayad ng 500,000 na franchise fee.
05:47.2
Kunwari yung mga potato corner, ganyan.
05:49.8
Micro enterprise yun, hindi yung nano enterprise.
05:53.6
At mas may siyensya yung kanilang mga gamit.
05:56.2
Saka may sistema na.
06:00.2
So they are typically unregistered livelihoods of self-employed individuals or informal solo-preneurs.
06:06.2
Yung siya lang talaga.
06:08.2
They also operate business alone or with a help man,
06:12.2
ay unpaid family members targeting their immediate local communities.
06:16.2
Talagang doon lang sa paranggay nila.
06:20.2
So he estimates na 9.1 million yung microfinance clients in the banking system, microfinance NGO, and the cooperative sectors.
06:30.2
So at ito po yan.
06:32.2
So ang total ay 18.2 po kasi, just to show you ano yung binawa kong study ng number of clients.
06:40.2
And dahil mayroon tayong 50% na multiple membership, i-account natin yan.
06:46.2
So roughly 50% ng 18.2 million ay nasa 9.1 million po yung microfinance clients.
06:54.2
At ang nano enterprise dyan ay 8 million. 8.1 million.
06:59.2
So why do we have to focus on nano enterprises?
07:03.2
Because most government programs fall under the manner of micro enterprises.
07:09.2
Ngayon nawawala yung for the nano enterprises.
07:14.2
So yung mga target kung sino yung pinakanangangailangan.
07:17.2
Kumbaga sa damit ulit na analogy natin kanina ay gawa sila ng gawa ng malalaking mga damit
07:23.2
pero yung may kailangan ng damit yung mga maliliit.
07:26.2
So hindi nakakagamit.
07:28.2
Oo. So hindi pasok sa banga kumbaga.
07:35.2
Bukod dyan, Sir Vins, grossly misrepresents the need and largely excludes the magnitude of nano enterprises.
07:43.2
Itong mga government programs.
07:45.2
Kasi nga, one size fits all for micro enterprises.
07:49.2
Yung mga pinakanangangailangan ng nano enterprises, hindi sila nakakakuha.
07:55.2
So kasi ang main na source ng data ng government ay registration ng mga businesses.
08:01.2
Eh yung mga magbubuko, nagre-register ba yan?
08:06.2
Hindi na yung nakakasama.
08:07.2
Pero sila ay mga nano enterprises.
08:14.2
So why nano enterprises?
08:16.2
They lack support from the government, limited engagement with the private sector,
08:21.2
they are lumped into the micro enterprise sector,
08:24.2
at may pagkaiba talaga ang kanilang profile, behavior, and needs.
08:29.2
So when we separate nano enterprises from the micro enterprises,
08:34.2
we make them more visible.
08:36.2
And we can create more effective and customized policies and programs for them.
08:41.2
And we can give them the opportunity to grow into a more sustainable enterprise
08:45.2
that would lift them out of poverty.
08:48.2
Alam mo, Sir Vins, napakahalaga dyan. Visibility ang first step.
08:52.2
Kailangan ma-recognize na nandyan sila para ma-target sila ng mga programs and policies ng ating pamahalaan.
09:00.2
So yun, make nano enterprises more visible.
09:04.2
Yes, katulad nila nanay.
09:06.2
So because this is going to directly address, if we directly address the needs of nano enterprises,
09:11.2
this will reduce the number of poor Filipinos.
09:14.2
Napakadevelopmental naman yan, Sir Vins.
09:17.2
Okay. Kami po, ang inyong mga financial guro, nagsasabing...
09:20.2
Ang pagyaman na mag-aalalan at napagtutulungan.
09:25.2
Thanks for watching.
09:26.2
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09:33.2
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09:37.2
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09:43.2
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