#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 Foundation 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 Sagot sa mga Frequently Asked Questions: https://bit.ly/sedpi-sri-faq Isubmit ang ibang pang inquiries o requests sa: https://bit.ly/sedpi-inquiry 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

Video Transcript / Subtitles:( AI generated. About AI subtitles » )

* AI ("Artificial Intelligence") subtitles on Tagalog.com are generated using "Whisper" by OpenAI (the same company that created ChatGPT and DallE2). Results and accuracy may vary.
* The subtitles do include errors occasionally and should only be used as a tool to help with your listening practice.
* You can request this website to create a transcript for a video if one doesn't already exist by clicking the "Request AI Subtitles" button below a video. Transcribing usually takes 30-40% of the length of a video to complete if there are no other videos in the queue. For example, a 21 minute video will take 7-8 minutes to transcribe.
* Running a super fast cloud GPU server to do these transcriptions does cost money. If you have the desire and financial ability, consider becoming a patron to support these video transcriptions, and the other tools and apps built by Tagalog.com

Pag-uusapan natin yung case for nano enterprises. Ano ba itong nano enterprise na ito sir Ian?

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.

Ayan, okay. Sabi ng Department of Trade and Industry meron daw nearly a million micro enterprises in the Philippines.

So ito yung enterprise classification kasi ayon sa DTI. Kapag large business ka, greater than 200 million yung assets mo.

You have greater than 200 employees. At sa ngayon, ang bilang, according to DTI, ay around 5,000 ang mga large enterprises.

So kami, qualified kami sa assets dun sa SEDP pero sa employees, hindi pa.

So ang medium naman, greater than 15 million to 200 million. At ang employees ay 100 to 199.

Approximate number nila ngayon ay around 5,000 din.

Ang small, greater than 3 million to 15 million. 10 to 99 ang kanilang employees at 106,000 ang kanilang approximate number.

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.

Ang employees ay 1 to 9. At sa ngayon, according to DTI, approximately 1 million ang mga micro enterprises.

Oo. At dyan ngayon ako nagkakaroon ng issue sa totoo lang kasi yung sa micro, pag titignan mo, up to 3 million.

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.

So gusto namin ngayon na mag-propose na dapat, doon sa micro, iseparate natin yung mga poor sa non-poor.

Yung mga talagang low income at yung mga malalaki na yung income. At bakit natin ito pinopropose?

Kasi ito yung challenges niyan. It lumps together poor and non-poor enterprises in one huge bucket.

Kaya gusto natin na i-attempt na i-describe, at yung micro enterprise kasi it attempts to describe a very broad base of enterprises

that have largely varied capacity. Magkaibang magkaiba yung asset mo ay 50,000 at kapag 2 million na yung assets mo.

Kasi service kunyari, 2 to 3 million, malamang may shop na yan na maayos, malaki na, dami ng inventory.

Tapos kakwasify mo yung mga ambulant vendors na nakitinda for example ng ating kwek-kwek o kaya ng turon.

Hindi sila magkamuka. Para din yung sa damit. Kapag mga bata, abay pang batang damit ang ibibigay mo.

Pag matanda or adult, mga malaking damit na yun. So yun yung nangyayari sa micro enterprise.

Lelump nila, one size fits all. E meron pang mga maliliit dyan. Tapos binibigyan natin ng gown.

Parang hindi siya appropriate. Separating nano from micro enterprises would aid in policy development of the government

kasi mas magiging targeted na service. Mas makikita natin yung mga dapat na programa para sa talagang mga nasa lelayan ng lipubo.

At yung program intervention design and implementation of development organizations ay mas magiging targeted din.

So yan po yung magandang mangyayari.

So ngayon, ito yung pinitignan namin sa nano enterprises sa micro.

So yung assets ng nano enterprise, P3,000 to P150,000.

Pag micro enterprises naman, more than P150,000 pero ang damdang P3,000,000 pa din.

Tapos yung mga employees ay zero sa nano enterprises o kung meron sila, these are unpaid family members.

Sa micro enterprises naman, one to nine pa din.

And then sa enterprise registration, mostly unregistered ang mga nano enterprises.

At sa micro enterprises, mostly registered na ito.

At ang approximate number po nito ay nasa 8.1 million sa estimate natin sa pag-aaral na ginawa natin.

At ang mga micro enterprises, yun nga, nasa 1 million.

Ayan, okay. At syempre, yung tatandaan natin dito, yung nano enterprises ay low income, mostly poor.

Ang micro enterprises naman ay mostly non-poor.

O sir, it's kaya lang makikita natin yung approximate number kung bakit malaki siya.

Kasi nga hindi naman naka-capture yan ng mga government data usually dahil hindi registered.

Right, oo. So ako, anong ginawa namin yung study na yan ay tinignan namin yung mga

kine-cater na nano enterprises ng mga micro finance institutions.

All right. Okay. Sige.

Tapos, ayan ano?

So yung nano enterprises, ang maximum asset size niya ay 150,000.

They use rudimentary and obsolete equipment in manufacturing or delivering services.

Oo kasi syempre wala naman nga ang pera para bumili o mag-invest sa mga makabagong equipment.

Diba yung mga nagbabananak yun, nagfishball, gano'ng burner-burner lang, kawakawali lang.

At yun naman yung patok sa negosyo rin nila.

Nano enterprise yun. Ikumpala mo yan doon sa kayang mag-franchise, mag-stall na magbabayad ng 500,000 na franchise fee.

Kunwari yung mga potato corner, ganyan.

Micro enterprise yun, hindi yung nano enterprise.

At mas may siyensya yung kanilang mga gamit.

Saka may sistema na.

Ayan.

So they are typically unregistered livelihoods of self-employed individuals or informal solo-preneurs.

Yung siya lang talaga.

They also operate business alone or with a help man,

ay unpaid family members targeting their immediate local communities.

Talagang doon lang sa paranggay nila.

Ayan.

So he estimates na 9.1 million yung microfinance clients in the banking system, microfinance NGO, and the cooperative sectors.

So at ito po yan.

So ang total ay 18.2 po kasi, just to show you ano yung binawa kong study ng number of clients.

And dahil mayroon tayong 50% na multiple membership, i-account natin yan.

So roughly 50% ng 18.2 million ay nasa 9.1 million po yung microfinance clients.

At ang nano enterprise dyan ay 8 million. 8.1 million.

So why do we have to focus on nano enterprises?

Because most government programs fall under the manner of micro enterprises.

Ngayon nawawala yung for the nano enterprises.

So yung mga target kung sino yung pinakanangangailangan.

Kumbaga sa damit ulit na analogy natin kanina ay gawa sila ng gawa ng malalaking mga damit

pero yung may kailangan ng damit yung mga maliliit.

So hindi nakakagamit.

Oo. So hindi pasok sa banga kumbaga.

Okay. Ano pa?

Bukod dyan, Sir Vins, grossly misrepresents the need and largely excludes the magnitude of nano enterprises.

Itong mga government programs.

Kasi nga, one size fits all for micro enterprises.

Yung mga pinakanangangailangan ng nano enterprises, hindi sila nakakakuha.

So kasi ang main na source ng data ng government ay registration ng mga businesses.

Eh yung mga magbubuko, nagre-register ba yan?

Hindi na yung nakakasama.

Pero sila ay mga nano enterprises.

Okay. So yun.

So why nano enterprises?

They lack support from the government, limited engagement with the private sector,

they are lumped into the micro enterprise sector,

at may pagkaiba talaga ang kanilang profile, behavior, and needs.

So when we separate nano enterprises from the micro enterprises,

we make them more visible.

And we can create more effective and customized policies and programs for them.

And we can give them the opportunity to grow into a more sustainable enterprise

that would lift them out of poverty.

Alam mo, Sir Vins, napakahalaga dyan. Visibility ang first step.

Kailangan ma-recognize na nandyan sila para ma-target sila ng mga programs and policies ng ating pamahalaan.

So yun, make nano enterprises more visible.

Yes, katulad nila nanay.

So because this is going to directly address, if we directly address the needs of nano enterprises,

this will reduce the number of poor Filipinos.

Napakadevelopmental naman yan, Sir Vins.

Okay. Kami po, ang inyong mga financial guro, nagsasabing...

Ang pagyaman na mag-aalalan at napagtutulungan.

Thanks for watching.

Kung may kapamilya, kaibigan, o pakilala kang tingin mo ay magiging interesado dito sa video,

please share to them or tag them in the comments section.

Syempre, kung nagustuhan mo ang video, pusoan mo na ito. Subscribe ka na rin.

As always, feel free to write your questions, comments, and opinions respectfully.