Myrna Salinas

1
Myrna Salinas

• Age 50
• Marital status Married
• Education High School
• Language Hiligaynon, Kiraya, Tagalog
• Income source Husband is taxi driver, she sells
  preserved meat door to door. No other source of
  income.
• Local distributor regular customer of taxi
  offered a week's credit to her to try selling his
  product. Unofficial and informal. He supplies
  supermarkets in city. He drops off supplies every
  sunday and collects cash for previous stocks.
  This fact is her social capital secret
  refuses to introduce others to him. she offers a
  week's credit to her customers, now 50 regulars
  built up over a two year period. Orders taken for
  next week, paid for last week on each visit.
  Walks.
• Very influenced by seasons difference in weekly
  income almost 50 between 'dry' season and start
  of planting (wet) season and school year.
• Hesitant to expand with or without business loan.
  Sticks to familiar social network.

2
Roger Mainar

• Age 38
• Marital status Married with two children
• Education Marine Engineering Certificate
• Language Hiligaynon, Kiraya, Tagalog
• Sources of income Rice farming, cows, chickens,
  wife works in HK sends (direct to savings)?
• Juggles sources of income to maxmize output.
  Tracks rice price in two towns, weighs timing and
  gain. Savvy investor, knows his ROI.
• Saving towards goal of buying his own land,
  currently rents one hectare for 20,000 pesos for
  a two year contract.
• Doesn't keep rice as stored wealth or savings but
  instead to sell at higher price during dry
  season.
• Culls chicks for rearing as fighter cocks sell
  regular cock (for chicken meat) at 250 peso but
  trained fighter cocks bring 2000 pesos.
• 3 cows cheaper to feed than one, better ROI on
  feed and work. Buys calves.

3
Abundio B. Seberias

• Age 49
• Marital status Married
• Education Marine Engg Associates degree
• Language 'English', Tagalog,
• Source of Income Wife runs shop, owns house,
  some farm land, bought multicab for Abundio. Late
  marriage no kids, he's a stranger here,
  introduced as penpal. Wife's sister unmarried
  mother, works abroad to send money home for
  child.
• Been driving multicab for 9 years. Takes time
  off during planting season they grow rice
  mostly for home use. Bought entry into fixed
  route association 3000 pesos, now closed to new
  members. (restricts competition)?
• Biggest challenge of last two years was rising
  price of diesel. He puts in 400 pesos worth every
  day (10 litres) at today's price 37.20. Everyone
  suffered when diesel rose to 60/litre from 33
  peso/litre. Raising passenger fees didn't help
  much as people could only pay what they could
  afford.
• Pretty laidback, wealthier family due to wife's
  inheritance.

4
Jesse Lavilla

• Age 30
• Marital status Single
• Education High School, Carpentry apprenticeship
  training with certificate after 10 years
• Language Hiligaynon, Kiraya, Tagalog
• Source of income Design and handcrafting
  ornamented traditional wooden furniture
• Did not want to take out loan for business. Sold
  motorcycle for capital
• Takes advance from client with balance on
  delivery, approx one month cycle
• Does not stock inventory of furniture or wood.
  Clients bring their own wood or ask him to buy,
  paying cash upfront.
• Phone helps in word of mouth orders from
  customers who see his work in other houses. Gets
  remote orders as well. Tops up mobile every three
  days for 30 pesos, critical to his work.
• Known as a good designer

5
Ma. Fe Mainar

• Age 56
• Marital status widowed
• Education High School
• Language Hiligaynon, Kiraya, Tagalog, 'English'
• Source of Income Sari sari shop, remittance from
  daughter whose three children live with her but
  that's tightly budgeted. Keeps kitchen garden,
  chickens, coconuts, firewood and minimizes
  external costs.
• Burnt by microfinance loan for women
  entreprenuers. Word of mouth / social capital
  against it to others. Mentions many trapped in
  endless cycle of debt.
• Ambitious and looking for ways to make money. No
  farmland, no property until inherited plot of
  land where her house, her two sons and daughter
  have built house.
• Wants to buy load wallet to sell airtime
  minutes. Keeps tabs of stock in shop against
  family's needs as well. Separates biz cost from
  household.