Cebuana Lhuillier: More Than Seven Decades [KJ1] of Uplifting Filipino Lives

Since the first Cebuana Lhuillier pawnshop was opened in 1953 (previously known as Agencia Cebuana)[KJ2] , the company has continuously provided Filipinos with ease and comfort, especially when it comes to financial access. [KJ3] More than seven decades after, Cebuana Lhuillier, remains to be a household name in the country, as it has established a strong presence in Filipino lives as the leading microfinancial services provider.
By operating close to 3,500 branches nationwide, the company has successfully reshaped the financial landscape and elevated societal access to financial products and services in many ways possible.
Over the years, the company has strategically positioned itself at the intersection of financial and social impact, therefore transcending traditional business boundaries. It has redefined the role of a f[KJ4] inancial institution as it embraces a multifaceted mission that goes beyond conventional norms. At its very core, Cebuana Lhuillier consider microfinance as a social mission rather than a business of numbers, thereby assisting Filipinos in every step of their financial wellness journey.
Moreover, the company has also launched several[KJ5] corporate social responsibility (CSR) initiatives and specialized projects that uplift Filipinos, the company has shown its deepest intentions of helping Filipinos in the many facets of life. Aside from pushing financial wellness, Cebuana Lhuillier also advocates for education and champion sports development.
“We purposely continue to develop new products and services that we know will help uplift lives of Filipinos. We believe that our market is capable of making smart financial decisions if provided access to good products. Aside from that, we also champion education and sports as we believe that these are good tools for people to improve their lives”, says Jean Henri Lhuillier, Cebuana Lhuillier’s President and CEO.
A Proponent of Financial Wellness

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Make the Best School Year Possible with Home Credit’s Sulit Study Laptops, Tablets

With the new school year ahead, parents, especially moms, are taking charge of preparing everything their kids will need to equip them with essential tools this back-to-school season. However, as we embrace the era of modern learning, where technology has taken center stage in driving students’ education, providing them with the proper study devices is no longer a luxury but a necessity.

Luckily, getting these devices does not require breaking the bank, as Home Credit is the key to availing these gadgets in low monthly installment plans with 0% interest.

From budget-friendly laptops under PhP1,499 per month to ‘sulit’ study tablets for schooling below PhP999 per month, the leading consumer finance company offers a wide range of options you can choose from to provide your kids with an efficient partner this academic year. Some of these options include:

ASUS Ryzen 3 Laptop: A reliable learning companion

First on the list of value-for-money laptops below PhP1,499 per month is the ASUS Ryzen 3 Laptop. Equipped with an AMD Ryzen 3 processor complemented by 8GB of RAM, this ASUS laptop can easily handle everything without lags—whether it’s taking notes, conducting research, working on assignments and projects, or accessing learning platforms.

This device also comes packed with 256GB of storage to provide your kids with enough space to save their school files and necessary applications. Additionally, it boasts a 14-inch display and weighs only 1.60kg, making it an excellent choice for students who are always on the go. Continue reading

5 Proven Strategies To Help Craft The Perfect Business Idea

Anyone who has ever wanted to start a business has to start somewhere. Nobody simply conjured an idea and became a success overnight. Some people got success fairly quickly, but those examples are few and far between. When it comes to starting a business, you have to be creative and have your wits about you. Simply coming up with the right product or service can be tedious, but not impossible. 

People spend decades trying to come up with the best possible idea, and some struggle throughout. The wonderful thing is that there will always be something around the corner that can solve problems. It’s just a case of knowing what steps to take exactly. If you want to step into the world of business and create something wonderful of your own, here are a few ideas: 

Find The Right Gap In The Market 

This kind of thing really is the golden ticket. It’s much easier said than done. If we could go find the gap in the market to exploit, we would all be extremely successful. Once you have found a particular gap, you can begin working on something special. It is something you have to sit down and really think about, however, because there are so many different people all trying to do the same thing and finding things out every single day. 

Use Your Personal Skills And Experiences 

At the end of the day, there will be things that you are really good at and things that you have been through. One of the worst things you can do is choose a particular field that you have seen somebody excel in. You may feel as though you can replicate their success because it looks easy when they do it. You have to pick something that you care about, and that you are good at in order to reach success, however, because you will be bored of it or struggle throughout.  Continue reading

The Ultimate Checklist: Essential Factors to Consider for Back-to-School Laptops

In today’s technology-driven world, gadgets like laptops have become essential tools in empowering students in their education. From college to grade school, students now rely on these devices to research information, access digital learning materials, complete assignments, and activities, and even communicate with teachers and classmates.

This reality calls for a reliable and efficient partner that every student can use in their day-to-day needs, such as a versatile laptop that can multitask and handle demanding applications for school tasks. However, during this back-to-school season, parents and students have various options to choose from.

The good thing is that Home Credit, a leading consumer finance company, is here to guide you on your quest to find the perfect device for the upcoming school year. From features for usability to budget, here are the ‘wais’ things you should look for before purchasing a laptop.

Check its performance for everyday tasks

A laptop’s performance can affect a student’s overall productivity. Lags or slow response times can interfere with a student’s ability to work efficiently on school activities, assignments, and projects at a given time. For that reason, it is vital to have a high-performance or reliable laptop that can provide a smooth multitasking experience. 

Check if the device has a powerful processor and at least 8GB of RAM for better performance. Additionally, ensure it has the latest operating system for compatibility with modern applications and a good graphics card if school tasks require various editing software and more. Such features are built in a wide range of laptops, including Acer Aspire Vero Work Laptop, Asus TUF Gaming F15 Laptop, and Apple MacBook Air Gold 8GB RAM/256GB.

Ensure bigger storage for files, applications

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Can Your Home Make You Money? 6 Options To Consider

Everyone needs some help with finances from time to time. Being able to find extra cash or generate income for times when money is tight and you need to pay for something out of the ordinary needn’t be as hard as you might think it is.

In fact, chances are you have money in your home that you might not even know about! While it might not be instant or easy money, your home can provide you with many different avenues to make some money and help you get cash without doing too much or taking on another job. 

Read on to find out how you can find money in your home without having to dive down the back of the sofa.


Decluttering your home is a good way to determine how much money you are sitting on. If you have products or items around the house you no longer want or have use for, decluttering allows you to free up some space and make some money.

In the first instance, you need to separate your unwanted items into piles. You need a pile of items you can sell and make money from, items that aren’t really worth anything but still have some life left in them and can be donated, and items that need to be thrown away.

Once you have your piles, you can look at the different ways you can sell your unwanted items, be it selling jewelry and getting cash 4 gold, selling clothes and furniture online via social media marketplaces or pre-loved sites, or trading in mobile phones or electronics for cash or in part exchange for newer models.

Don’t forget; once you have decluttered, you need to remove the items from your home quickly to help you make some money, enjoy a home with fewer items, and live with less stuff.

Rent A Room

If you have a spare room in your home you are not using, you can rent out the space in a few different ways. If you are in a popular tourist area or location with many visitors for festivals, concerts, or events, you can rent out a room for visitors to your local area for a night or two during popular times of the year. Continue reading