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"5-6" or "prenda"


This discussion is about ""5-6" or "prenda"" in the "Business, Finance & Economics Discussions" forums.
Deli na makagaba ang 5-6 oi, depende ra na. And to think ang kanang 5-6 is only 20% mark up. Ang kanang 20% na mark ...

  1. #11
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    Default Re: "5-6" or "prenda"


    Deli na makagaba ang 5-6 oi, depende ra na. And to think ang kanang 5-6 is only 20% mark up. Ang kanang 20% na mark up deli pa gyud na Net, kuhaan pa na sa labor and other expenses sa pagpaningil. If I will tell you na kana mga Carenderia or Fast foods or restaurant are usually marking up to 50-100%, will you say maka gaba na? Daghan kaayo mga items sama sa mga RTWs, that are marked up by more than 30%, did say maka gaba na namaligya RTW?

    Ang maka gaba if the way you do business. I dont really think na if musulod ka ani na negosyo maka gaba ni, depende ra gyud ni sa tao nag negosyo.

  2. #12
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    Default Re: "5-6" or "prenda"

    as i remember ang interest allowable is 12% more than ani daw mao pa gaba...pero what i have observed is cguro mas pagaba ang binuhatan sa tao like nag 5-6 gani sya para mka sustain sa iya needs nya tiwasan nuon sya...i mean kana 5-6 na tabang duot sa tao...f u do business its should not be ur own growth ra but also you helps others na dili pud nimo sya samutan...its reallly a matter of how you deal with ur business..basan unsa pa na imo negosyo f di ka maau mo dala sa imo manga tao gabaan ra ghapun ka...

  3. #13
    Junior Member nutjugger's Avatar
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    Default Re: "5-6" or "prenda"

    sa ako lang sad depende ra na sa pagdala sa business ug sa isigkatao nimo. kanang jollibee ug uban fastfoods.. ang rice tag 16pesos. grabe ang markup. kon tabang duot sa tao imong business kana cguro magabaan jud na.. kon magpautang ka, cguro imo sad mapangutana ngano mohuwam cya ug kon mahimo ubos ubosan sad ang interest dili 5 6.. nagpautang sad ko pero gamay ra interest kay gusto nako di ko makatabang duot sa mangutang, di sad ko mamugos ug pautang, mgtinabangay lang gud

  4. #14
    Elite Member nodols3's Avatar
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    Default Re: "5-6" or "prenda"

    Hmmmm.... naay point si jojo_mouth, basing on his calculations...
    Basically kaning mga ingon ana nga gaba-an daw tungod sad kay tag-as kaayo ug rate ang pautang, or unsa, labaw na sa 5-6, nga 20% ang interest. Then if magka misfortune ang nag pa-utang, ato dayon ingnon nga gaba-an. I think mabaw ra gyud ang argument nga ingnon dayon nga gaba-an tungod sa 5-6, though ako guilty pud ko ana..hehe..

    Nakasulti raman gud ko ana nga makagaba na, basing sa akong naobserbahan, though wala gyud siya concrete nga evidence or example, puro lang mga sulti-sulti or unsa.

    Naa lang gyud ko gamay nga disinclination ani nga business, kay sa tanaw sa kani nga business wala man gud ka giproduce nga goods, something in return para nga bayran. You are just lending money and nothing else, no services or something to compensate for the interest, Unlike aning mga karenderya, fast food ug restaurant, nga nag mark-up ug dako that they have to come up with something para nga ma offer sa ilang costumer, then if naka appreciate ka sa ilang effort then comes the payment.

    Murag ani ba, You do something good para mo return nimo something good pud. It's a two way street. Wherein naa choice ang costumer for his/her next purchase.

    In case sa lending, labi na ug 20%, weekly that's almost 3%daily. lupig pa ang 3% monthly sa banko. You are almost giving no choices sa costumer, and you are not giving something or some goods in return para sa interest nga iyang gibayran.

    Actually I think they should not be in the same sentence, when it comes to comparing.

    It is worth noting nga dili dapat i compare ang karenderya, restaurant, fastfood sa lending, because they are in a different accounting. Kay:

    Sa karenderya, restaurant ug fastfood - goods, services, quality food, are being offered to the costumer, which are direct to costumer items which he/she can enjoy and appreciate, while

    Sa lending - debt " almost equivalent to death to the costumer" joke hehe.. ang imong gi offer with interest pa gyud sa iyaha. You are offering money which gives indirect satisfaction.

    I'm not judging that it's bad at 20% mark-up, kaso wala man gud pud nag ingon nga maayo siya. Ma maayo lang tingale ni siya if you are lending for a purpose say mag start ug business, nga imo siyang tabangan by lending him/her money. But that would be subjective, for example one of the most successful microfinance company in the world, lead by Muhammad Yunus the Grameen bank is lending money to the poor with no collateral but first ila usang i-training or tagaan usa ug idea or educate usa nila about business and financial education and i qualify pa gyud nila nga creditworthy ang tawo before mapa-utang, so they are lending money + services which makes it a direct trade. Mao nay klaro nga tabang.

    Murag dili parehas sa lending kay lending lang walay rason.

    I hope I did not offend anybody, I'm just saying my point on the post..

    Ikaw man gud TS joke.. hehe PEACE.. ^_^ V
    Last edited by nodols3; 07-23-2011 at 11:19 PM.
    jntio, minus, Simplewish and 1 others like this.

  5. #15
    C.I.A. Eve's Apple Project's Avatar
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    Default Re: "5-6" or "prenda"

    di kaayo ko sweto anang prenda-prenda.. maayo ra guro nang prenda if naay mopalit sa giprenda sa imo dba? mura ra guro nagbuy & sell.

    di ra na makagaba ang 5-6 oi.. if makagaba pana ang indiano di na mag 5-6 kay motuo raba na sila og karma..wahaha.. seriously, ok raman nang 5-6 basta wa lang jud ka mamugos. depende rajud na sa tao bai. kana mga credit card makagaba ta na, or wa na untay credit card.. business man imo tuyo, murag ok ra ni.naa gani ko kaila nga retailer sya, ang palit niya sa item sa factory kay 3-5x iya mark-up. so if makagaba pa, nagabaan na ta sya..if you are running a business, di jud na makagaba. you are not going to run a charitable institution are you?! hehehe

  6. #16
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    Default Re: "5-6" or "prenda"

    ang kanang word nga gaba, para na sa mga tawo nga nangutang sa 5 6 og sa kanang mga tawong gahi kaayo mobayad, wala lang nila huna hunaa nga natabangan cila, sa ato pa kanang banko nangagabaan na diay unta na cila kay dagko mana interest ila pautang.

  7. #17
    Senior Member neo4596's Avatar
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    Default Re: "5-6" or "prenda"

    In fairness to "5,6" mao baya na naka-stimulate sa economy sa India coz it is a sort of micro-financing. Kanang mga bombay sa ato na magmotor are sometimes called "mobile bank of India"..hehehe!...

  8. #18
    Senior Member niehrx's Avatar
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    Default Re: "5-6" or "prenda"

    risky sad ang 5-6 bay. basin dagan ka. hehe

  9. #19
    C.I.A. kit_cebu's Avatar
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    Default Re: "5-6" or "prenda"

    gkan ko sa 5-6...pero 10% ra...not 20% or 5-6....

    ayaw ani....kay lami i-dunggab tawo....

    kana lang naa'y collateral.....like your other option.....prenda....


    .

  10. #20
    C.I.A. ad_dur's Avatar
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    Default Re: "5-6" or "prenda"

    kung asa ang daku ug igo ug gamay ug tubo birahe ...

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