Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

March 18, 2024

Beat the heat, not your wallet: Wais budget hacks to consider this summer season

Summer is here, and Filipinos know what that means: rising temperatures and rising expenses! The temptation to splurge on vacations, outdoor fun and cooling solutions—which can jack up your electricity bill—is strong.

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Get ready for Home Credit's hottest deals and offers so you keep your cool this summer
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But fret not because higher expenses don't have to be your summer story. With some strategic planning, you can embrace the warmth without scorching your budget. Home Credit, one of the country’s leading consumer finance companies, is here to help you navigate the season with these cool summer tips and hacks.

Create a summer budget

Summer is the time to rest and have fun, but don't let it be an excuse to overspend and ditch your budget. Make this season a breeze by creating a comprehensive summer budget tailored to your specific needs.

Categorize your spending for entertainment, travel and utilities. Since summer often brings changes in expenses, prioritize your spending and factor in potential unexpected costs. This way, you'll ensure you have allocated funds for every aspect of your summer plans, allowing you to enjoy the season without financial stress.

Take advantage of the summer discounts

The scorching heat isn't the only thing rising this summer—so are the hottest discounts on appliances and gadgets! Dive into the season as a smart shopper by seeking out the latest summer deals at your favorite stores.

These deals aren't just about saving money, they're about aligning your budget with your summer needs, and having options to better manage your cash flow. By strategically shopping and focusing on your essential purchases, you can enjoy significant cost savings while avoiding the temptation to overspend. Remember, smart shopping doesn't mean buying less, it means buying better.

Utilize energy-efficient appliances

Summer in the Philippines is synonymous with scorching heat, making appliances like powerful fans, refrigerators and air conditioners essential. But choosing the right ones can impact your budget significantly, like appliances powered by inverter technology.

Unlike traditional appliances, inverter models are designed to optimize energy consumption. This translates to a cost-effective and ecofriendly solution for battling the summer heat. These energy-efficient wonders offer the ultimate double win: keeping you cool while keeping your electricity bills down.

Plan summer travels wisely

Rest and relaxation are a must do during summer, but you will only get nothing but stress when these are not planned strategically. If a summer escape is on your mind, do it smarter, not harder. Start by exploring budget-friendly destinations and consider visiting during off-peak times. This not only avoids crowds, but also unlocks hidden gems that won't break the bank.

Another pro tip to follow is to book in advance to not only secure your spot early, but also unlock discounted prices on flight and accommodations. Remember, a little strategic planning goes a long way to ensure you make the most of your summer adventure without burning a hole in your pocket.

Find alternative summer activities on a budget

If you want to celebrate fun in summer on a budget, don’t worry because it doesn’t have to cost a fortune. This is the perfect time to explore rewarding and relaxing activities that won’t break the bank.

Gather your loved ones for a picnic in a scenic park, enjoying fresh air, delicious homemade food, and quality time together. You can also head to a nearby mall for a cool escape. Relax in a café, grab a meal at a restaurant, or simply browse the shops.

Lastly, if you have a family, create lasting memories at home. Play outdoor games with your kids, have a movie night with refreshing drinks, or simply chill out with the cool air provided by your inverter AC.

Keep your cool during summer with Home Credit’s hottest deals

Summer fun shouldn't strain your budget! This season, Home Credit offers sizzling deals to help you stretch your summer spending.

If you need a cash boost, you can apply for a quick and easy cash loan* through the My Home Credit App, with approvals taking just one minute. Choose a loan amount from PHP 3,000 to PHP 150,000 to cover your summer expenses.

Additionally, Home Credit will offer 0% interest deals that can help you purchase your new cooling appliances which can help you manage the heat summer season brings. Plus, these amazing appliances and offers will be available on Shoppingmall.ph.

Don't miss Home Credit's exciting deals available from March 15th to May 31st!

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the Home Credit Online Loan App on Google Play to learn more about the latest promos and see what’s new in Shoppingmall.ph.

 

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

 

*Available to select customers with Home Credit Cash Loan offer 

 

March 14, 2024

Inverter Na ‘Yan: Home Credit’s Guide to Energy-Efficient Appliances this Summer


As the summer season slowly rolls in, we are once again experiencing the intense heat that accompanies this time of the year. To stay comfortable during this hot weather, we rely more on appliances to cool down, leading to increased energy use.
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Gear up for exclusive deals on your preferred inverter appliances this dry season
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This is why we often consider efficiency a crucial factor when selecting our home appliances. A 2022 study by Clasp, titled “From Informational to Comparative: The New Philippine Energy Label,” revealed that, particularly for appliances like air conditioners, energy efficiency is the top priority for 86 percent of Filipino consumers, followed by durability and affordability.

With this trend, the use of inverter technology in appliances becomes a priority. An advantage of inverter appliances is that they intelligently control the motor’s speed and power consumption based on the requirements for cooling or even washing to reduce energy use, contributing to the reduction of electricity bills.

If you are considering switching to appliances equipped with inverter technology this summer season, Home Credit, one of the country’s leading consumer finance companies, offers a guide to household devices you can replace for an energy-efficient lifestyle.

Beat the summer heat with inverter air conditioners

Inverter air conditioners are unlike traditional ones which operate at full power until a specific space is cool enough and then shut down. These energy-efficient appliances run with special motors that can adjust their speed, maintaining a room's temperature without the energy-consuming process of constantly turning it on and off.

You can experience this incredible feature with models like the Carrier 1.0HP Inverter Window Type Air Conditioner and the Samsung 1.0HP WindFree Split Type Inverter Air Conditioner that offer remarkable cooling to combat the summer heat while also prioritizing energy efficiency.

Keep your refreshments cool with inverter refrigerators

Like inverter air conditioners, refrigerators equipped with this technology boast enhanced energy efficiency thanks to a motor that automatically changes its speed to match the cooling needs—preventing unnecessary on-and-off cycles. When the temperature inside the refrigerator rises above the set point, the compressor slows down, maintaining consistent cooling while minimizing energy consumption.

For those in search of inverter refrigerators to keep their daily refreshments and food supplies cool even in intense heat without the concern of higher electricity bills, consider options such as the Panasonic Two Door No Frost Inverter with Econavi Technology Refrigerator (9.5 cu ft) and the LG 7.2 cu ft Two Door Smart Inverter No Frost Refrigerator.

Optimize your laundry routine with inverter washing machines

To take your pursuit of energy efficiency to the next level, you can also incorporate inverter washing machines into your laundry routine. With inverter technology, their performance adapts to the size and type of laundry, enabling you to use only the necessary amount of water and energy for each load.

You can enjoy this performance from the likes of Whirlpool 8.5kg Top Load Inverter Washing Machine and LG 7.5kg Top Load Smart Inverter Washing Machine. By utilizing inverter washing machines, you can further advance your energy-efficient goals.

Watch out for exciting deals this summer season!

This upcoming summer season, Home Credit is offering fantastic deals to help you realize these inverter appliances, starting March 15 to May 31, 2024. Be sure to mark your calendars to not miss this incredible opportunity.

Stay tuned for installment deals on a range of products, including air conditioners, refrigerators, washing machines, and more. These exciting offers will be available on Shoppingmall.ph.

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in the Shoppingmall.ph.

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

March 10, 2024

GCash, SB19 release new summer jingle and music video kicking off more rewarding season with up to P179M worth of prizes

GCash, the Philippines' top finance app, has teamed up with multi-awarded P-Pop boyband SB19 to launch a brand new summer anthem and music video.

The release of the upbeat "Tara, Summer Na" isn't just about making sure everyone's got a new summer anthem, but it's also an invitation to experience the best that the season has to offer in a new way with GCash.

Whether it’s going out on food trips, traveling out of town with friends, or going on a shopping spree for a new wardrobe for the season, GCash is adding an extra layer of excitement to everyone's favorite activities with the launch of the Shake It, Win It promo. With numerous prizes waiting to be won, GCash ensures that every moment this summer is truly worth it and more rewarding.

From March 4 to May 31, users have the chance to join the Shake It, Win It Raffle just by paying a minimum of Php 100 with GCash. Every payment unlocks a world of prizes worth 179M. Starting March 8, users can also enjoy over 50% off in partner deals!

Prizes to look forward to in the Shake It, Win It prize draw include GCash credits, discount vouchers to retail merchants, today’s hottest gadgets, new appliances, and even free flights. In addition, select lucky winners can also win free trips for 2 to top local summer destinations such as Cebu, Siargao and Boracay, while 5 grand prize winners will get the chance to jet off to Japan, China, South Korea or Thailand together with a companion!

To earn raffle entries, users simply need to pay with GCash a minimum of Php 100 through its different features and products on the GCash app. Whether it’s to Buy Load, Pay Bills, or avail any products on the GInsure or GLoan dashboard, transactions will earn users 1 raffle entry to play per day. They can also use the GCash Card locally or abroad and tap to pay, or Scan QR in all their favorite merchants for a chance to get more entries daily.

Here’s how to play the Shake It, Win It Game:

  1. After making a transaction worth a minimum of P100 with the eligible GCash services, click on your top banner in the GCash homepage
  2. Under the Shake It, Win It page, click the Shake It, Win It banner
  3. Users with a raffle entry will then be allowed to play by shaking or tapping their device
  4. Users will then see their prizes immediately!





Stream the new Tara, Summer Na track today and keep paying with GCash for a chance to join the Shake It, Win It game daily and experience Summer the GCash way – easy, fun, more rewarding.

Facebook Link:

YouTube link:

Tara, Summer Na. I-GCash mo! Download the GCash app today.

March 6, 2024

Tips To Shop and Pay Wiser, Better This Year from Heart Evangelista and GCash


In its pilot GCash Spotlight episode, GCash ushered in its new era of financial progress together with its newest ambassador, Heart Evangelista.

GCash, the Philippines’ top finance app and largest cashless ecosystem, continues to revolutionize personal finance for all Filipinos by inspiring wiser, better spending, saving, and investing habits.

According to Heart, GCash has become an integral part of her daily life, making shopping and saving “more fun and more sulit.” She adds, “I still love to express myself with the pieces I buy and invest in, but I've also been more financially smart, especially with how I shop. I'm looking for the best value for money and treat every purchase, no matter how small, as a smart investment.”

When asked about her top tips for managing finances while shopping, Heart emphasizes the importance of leveraging her "best way to pay” – GCash – and its products and features tailored to meet different needs and user preferences.

Heart Evangelista-Escudero and Boy Abunda talk about her most used GCash features during the GCash Spotlight event

1. Maximize convenience and access to deals when shopping online
As an avid online shopper who values a variety of options and seeks out the best deals, especially with her busy schedule, Heart maximizes her experience by gaining access to deals and discounts when she pays with GCash.

When users Pay Online with GCash, they can get access to special discounts and exclusive vouchers, all while ensuring security in their transactions, making it the ideal choice for discerning shoppers.

She shares, “I love buying things for my family, and of course that includes the treats and clothes of my furbabies, and many of the things I buy are readily available online so that helps me buy without any hassle. When I pay online with GCash, it’s simple, and it’s secure, so iwas sa online scams.”
2. Enjoy convenient in-store shopping by scanning to pay
Heart prioritizes convenience when it comes to payments, which is why she appreciates the simplicity of scanning QR codes through the GCash app at millions of merchants nationwide.

"Whether I'm dining out, grocery shopping, or indulging in retail therapy, it’s just so convenient to Scan-To-Pay with GCash, especially as I try to avoid bringing cash as much as possible," Heart explains.
3. Make shopping a fun, shared experience
Heart also enjoys shopping with GCash Express Send via Send Money, especially when shopping with Senator Chiz Escudero. As seen in her latest GCash film, they send each other “love” with shopping money, which adds an extra layer of enjoyment to their shopping experience.

“Whether it’s picking out items for each other or jointly deciding on purchases, I really enjoy a shared shopping experience,” Heart adds.

Through GCash Express Send, users can effortlessly send and receive money to other GCash users for free. Whether it's during the holiday season, on special occasions, or simply to express affection, Express Send via Send Money may be utilized to send “love” the way Heart does.

Heart shares how she uses GCash when shopping locally and abroad during the recent GCash Spotlight event.

4. Discover the best deals available
With GCash, users can unlock a world of opportunities for smart spending and exclusive offers, whether shopping in-store or online. Exciting deals await during the upcoming 3.3 sale, with GCash and its brand partners offering exclusive discounts and promos, including:

● Lazada
From March 1, users can collect exclusive GCash vouchers at the Voucher Center and enjoy P50 off with a minimum spend of Php 1,000.

● Lenovo
Users can get access to deals up to 38% off on all gadgets when they pay with GCash online and shop via Lenovo’s official website.

● Shein
New users can enjoy 20% off with a minimum spend of Php 799 by using the code 2024GC20 upon check out. Another 18% off is available for users who checkout a minimum spend of Php 1,299 when they use the code 2024GC18.

With GCash, it’s never too late to manifest your best life, and take your dreams and goals to the next level. Learn more about how to shop smarter and embrace the possibilities that financial progress brings by streaming the first episode of GCash Spotlight featuring Heart Evangelista here.

February 22, 2024

Home Credit Philippines signs additional 7B Loan Credit Facility with BPI

Home Credit Philippines (HCPH) recently signed an agreement for an additional P7 billion loan facility with Ayala-led Bank of the Philippine Islands (BPI), making BPI the company’s biggest creditor with a total of P13.5 billion combined credit line facilities. 
(From left) BPI executives: John-C Syquia, Institutional Banking Head, and TG Limcaoco, President and CEO; Home Credit executives: Zdenek Jankovsky, Treasury and Funding Director, and Patrick Peter Santos, Head of Funding

This is the third loan credit facility extended by BPI to HCPH, following a P1 billion facility in December 2022, P4 billion in August 2023, and an additional P1.5 billion in November 2023 from Robinsons Bank Corporation; following its recent merger with BPI.

Home Credit is the largest consumer finance company in the Philippines. As of end-2023, it has served 10.4 million customers all over the country through a selection of affordable and accessible financing products.

“We at BPI are committed to accelerating our efforts to elevate financial inclusion in the Philippines. We are glad to support Home Credit by providing tailored solutions to enable their financial inclusion initiatives to thrive and at the same time, improving the quality of life for Filipinos, enabling them to do more. This forms part of our vision to help build a better Philippines—one family, one community at a time,” said BPI President and CEO TG Limcaoco.

“This additional loan credit facility to Home Credit, extended by no less than BPI, the first bank in the Philippines and the Southeast Asian Region, is a strong testament to the strong performance and stability of Home Credit’s business in the country as a leading consumer finance company,” Zdenek Jankovsky, HCPH director and treasurer, said.

Home Credit Philippines was issued a double-A Issuer Credit Rating with stable outlook by PhilRatings (Philippine Rating Services Corporation), a pioneer domestic credit rating agency, in 2023 based on its overall creditworthiness and ability to meet all its financial commitments and sustain its growth in its market.  

“This local loan credit facility will enable us to better serve our 10-million strong customer base, allowing us to expand access to credit opportunities for more Filipinos,” Jankovsky added. 
Also in witness of the signing event were BPI officers and executives (from left): Micah Clemente, Relationship Manager; Barbara Untalan, Head of Top Corporates-MNCs and Sectors; Maria Teresa Anna Lim, Head of MNCs and Sectors and; and Grace Saulog, Head of Financial Institutions and Correspondent Banking; with Henry Segovia, Home Credit Funding and Business Development Manager.

Home Credit Philippines has been at the forefront of broadening financial inclusion in the Philippines for more than a decade since it opened its doors in the country in 2013. It has continuously provided innovative credit opportunities for Filipinos especially to women, young people, and those earning less than 20,000 a month.

HC Consumer Finance Philippines Inc., HCPH’s corporate entity, was acquired by Thailand’s Krungsri (Bank of Ayudhya PCL) and Japan’s MUFG (Mitsubishi UFJ Financial Group, Inc.) in June 2023.  

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in the Marketplace.

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

CICC, GCash sign agreement to ramp up fight against fraud

Further cementing its long-standing commitment to provide Filipinos with secure and safe digital financial services, the Cybercrime Investigation and Coordination Center (CICC) has signed an agreement with the country’s number one finance app, GCash, to intensify its campaign against online fraud and scams.

From left: GXI Chief Legal Officer Atty. Gilbert Escoto, GFI Chief Legal Officer Atty. Maricor Alvarez-Adriano, Head of New Businesses, Corporate Affairs, and Sustainability Winsley Bangit, Executive Director of CICC USec Alexander Ramos, DICT Secretary Atty. Ivan John Uy, CICC Highly Technical Consultant Ret. Justice Andres Reyes

Under the agreement, GCash will continue to collaborate with CICC, leverage their capabilities, synergize efforts in combating cybercrime activities, and improve cyber capabilities and resilience while accelerating digitization initiatives in line with its vision of “Finance for All.”.

The MOA signing ceremony was graced by Department of Information and Communications Technology (DICT) Secretary Ivan John Uy, who emphasized that the CICC, which is an agency under the DICT, and GCash will synergize their strengths to become “futurists” that will work together to protect Filipinos by preempting the activities of cybercriminals.

The partnership between the CICC and GCash, he said, is “a strong signal to the whole community and to cyber criminals that we are not sitting back, that we will be aggressive in securing the money that the public has entrusted to us, and that we will actively, diligently, and relentlessly run after cybercriminals, whoever they may be, and bring them to justice.”

Joining Sec. Uy in signing the agreement were CICC Undersecretary Alexander Ramos and Retired Supreme Court Justice Andres Reyes, Jr., GCash Head of New Businesses, Corporate Affairs, and Sustainability Winsley Bangit, GCash Chief Legal Officer Atty. Maria Corazon Alvarez-Adriano and GCash Legal Head Atty. Gilbert A. Escoto.

In his speech, Usec. Ramos urged the victims of online scams to immediately file a report with GCash and the CICC, "not on social media.”.

This, said Ramos, will mobilize the rapid incident response mechanism made possible by the partnership between GCash and the CICC so that the public can be properly protected in time and prevent scammers from getting more victims. The undersecretary also urged the public to reach out to the government’s 24/7 anti-scam response hotline in case of suspected scams by dialing 1326.

Through its continuous cooperation with authorities, GCash has blocked over 4 million fraudulent accounts and taken down 810 phishing sites and 45,000 malicious social media posts and accounts in 2023.

A strong alliance with government agencies like the CICC, said Bangit, is a big boost to creating a safer digital ecosystem for Filipinos, especially as they transact online. “We are honored to stand shoulder to shoulder with you in the pursuit of a safer and more just society,” he added.

In her closing remarks, Atty. Alvarez-Adriano said that in the ongoing integration of digital technologies with the support of public sector agencies like the CICC, “GCash is poised for a state-of-the-art, stable, and inclusive financial system that will support the economic growth of the country.”

For more information, please visit www.gcash.com.

February 20, 2024

"With you through thick and thin" , A captivating story of love with Home Credit

Finding the ideal gift amidst the whirlwind of wedding preparations is no easy feat, yet it's one task that’s filled with heartfelt intentions. For Diana Marie Mendoza-Zabala, a devoted high school Science teacher, this quest took on a new significance just three days before saying “I do.” to Joemar Zabala, a secondary Social Studies educator.

The perfect partner para sa love

Wedding preparations are usually hectic, and Diana and Joemar weren’t exempted from this experience when they started getting ready for their big day. Their schedules and calendars were so full that Diana almost forgot to buy a special gift for Joemar, a present that was intended to be a part of their vows.

Three days before their special day, Diana revisited the mall where they first crossed paths with a clear idea of what she wanted to give him—a watch that would perfectly symbolize their enduring, timeless love. She scoured the mall and found a variety of options, some more affordable than others, but a particular timepiece caught her attention.

“Noong bumili ako ng gift para sa wedding namin, sa SM Store sa Lucena City ako pumunta. Yung gift na gusto kong ibigay ko sa kanya is relo, pero that time, kapos na kami sa budget. Iniisip ko talaga paano ko ma-a-avail yung relo kung wala naman akong hawak na pera para mabarayan siya ng full payment. Buti na lang tinawag ng sales lady yung sales associate ng Home Credit at nasabihan niya ako na ‘Sakto, Ma’am, naka-promo kami ngayon, 0% interest.

Bago ko ibigay yung regalo kay Joemar, gumawa ako ng letter para sa kanya; pero sa dulo ng message, sinabi ko na bayad na ang downpayment ng relo, siya na nga lang ang bahala sa installment na three months, pero 0% interest naman,” Diana happily recalled.

(I purchased my wedding gift for Joemar in SM Store Lucena. I really wanted to give him a wristwatch as a gift, but at that time, I didn’t have enough money for it. I was thinking of possible ways to get it, even though I didn’t have enough cash on hand, when the sales lady assisting me called for Home Credit’s sales associate. The associate then went on to tell me that, as luck would have it, Home Credit had a 0% interest promo at that time.

Before I gave my gift to Joemar, I wrote him a letter, indicating in the last part that I had already paid for the wristwatch’s downpayment, he just needed to pay for the remaining three-month installment fees, but with no interest).

The lifelong companion in every chapter

And then, it was D-day. As Diana presented Joemar with her gift availed through Home Credit, videographer Bryant Nanez captured the heartfelt moment, where Diana even presented Joemar with the Home Credit care card as part of her present, in a sensational same-day-edit video. The sincerity and distinctiveness of the gesture caused the video, which was posted online, to go viral and quickly garner over 41.5K views. The unexpected attention from the public was a delightful surprise for the couple, who were overjoyed to see their wedding inspiring viewers.

“At Home Credit, we understand the importance of celebrating life's special moments, especially when it comes to love. As a trusted lifestyle partner, our commitment lies in delivering convenient and fast access to credit, empowering Filipinos to lead the lives they deserve. We are overjoyed to be a part of not just Diana and Joemar's beautiful love story, but also of the multitude of life stories that we touch through our services,” Sheila Paul, Chief Marketing Officer of Home Credit Philippines, expressed.

Joemar conveyed his heartfelt appreciation to Home Credit for consistently serving as a reliable partner throughout the various chapters of his life.

“Kung tao si Home Credit, lubos kaming magpapasalamat sa kanya dahil noong walang-wala ako, naging malaking tulong ito para sakin.  Ngayon na nagsisimula na kami bilang mag-asawa, gusto naming makapagpundar ng mga gamit, at naisip namin na why not i-try namin gamit ang Home Credit.

Pero hihintayin muna namin na matapos ang existing loan namin dahil ang pagkuha ng loan ay isang proseso na kailangang pagplanuhan kung kailan dapat kunin. Ito ay isang responsibilidad at ang mga nagagamit natin na galing sa hiram ay kailangan nating bayaran dahil napakinabangan na natin ang mga ito, at dahil naging mabait ang mga nagpahiram nito at napakabilis lang din naman ang proseso,” Joemar remarked.

(If Home Credit were a person, we would thank them profusely because they were there for us when we had close to none. Now that we are starting our married life, we would like to build a home and try to use Home Credit for it.

However, we would wait first to finish our existing Home Credit loan, since acquiring loans is a process that needs thorough thinking and planning. Getting loans is a responsibility, and the things that we get to use and enjoy because of it need the right repayments since the creditor was generous enough to let us borrow, and the process of borrowing was also fast and convenient.)

With this touching wedding tale, how did Joemar discover the love of his life, Diana? To unveil the enchanting story that binds them, let's rewind to the very beginning.

A tale of love at first sight

Diana and Joemar's charming love story unfolded when fate intervened one day. According to Joemar, the magic began with a love-at-first-sight encounter. Sometime in 2017, while browsing through social media, he stumbled upon Diana's profile, tagged in a wedding photo shared by mutual friends.

“Social media talaga ang naging way para magkakilala kami nitong aking asawa. [Noong nakita ko siya], sabi ko, why not i-chat ko siya? Noong first time ko siyang na-meet, parang na-love at first sight ako. Na-realize ko agad na magiging asawa ko siya,” Joemar fondly reminisced.

(Social media paved the way for our paths to cross. When I first saw her profile, all I could think of was sending her a chat message. The first time I met her, it felt like love at first sight, and I already knew back then that she would be my future wife.)

Following their initial meeting, their love blossomed, leading them to officially become a couple. During the first two years of their relationship, they chose to keep things lowkey, recognizing Diana's parents' protective nature. They discreetly went on dates, always respecting her parents' wishes, and adhering to her 7 PM curfew, despite both being of legal age.

As a couple, Joemar and Diana share a simple yet meaningful connection, marked by common hobbies, interests, and values. They enjoy exploring different restaurants, savoring new experiences one venue at a time—and being practical about it. This love language formed the foundation of their relationship.

Seven years down the road, Joemar and Diana embraced the next chapter of their love story, deciding to exchange vows and tie the knot in 2023. After their union, Joemar and Diana were abundantly blessed. They acquired a new home and a car, and the blessings continued with the anticipation of a baby on the way.

Learn more about Joemar and Diana’s love story here.


To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in Shopping Mall Philippines. 

 

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP). 



February 10, 2024

Pluxee is here, your new Global partner in employee benefits and engagement

Sodexo Benefits and Rewards Services Philippines is now Pluxee, as in a strategic move to strengthen its commitment to elevating the overall experience of its clients, partner merchants, and consumers.

The spin-off from the Sodexo Group is a global initiative announced last year to give its gifting business a digital-first brand that reflects its ambition to offer personalized, sustainable solutions to the evolving market.


In the Philippines, Pluxee builds upon the strong foundation laid by Sodexo Philippines, a joint venture with SM Investment Corporation.

Launched in 2003, Pluxee became the pioneer and biggest issuer of gift certificates in the country. Over the years, it introduced industry firsts such as an e-commerce platform to make GCs instantly accessible to businesses and consumers, SMS and email based GCs, and a rewards app enabling partial redemption of GCs and acceptance in online stores. As a proud partner of SM, the country's retail giant, Pluxee also powers the SM Gift Pass and their latest digital rewards solution, the SM Gift Pass Choice. Pluxee ramped up its partnership with the country’s most preferred brands and now boasts of over 17,000 accredited merchants.

Pluxee Gift

A trusted brand in navigating the landscape of the 21st-century workplace, Pluxee addresses the unique needs of each client. At the forefront of Pluxee products is the Pluxee Philippines app, where clients can send Pluxee Gift credits to their recipients via web portal. The credits are partially redeemable in over 10,000 merchants and can also be used in app-exclusive brands such as Angkas, Grab, Klook, Lazada, Shopee, and more. Pluxee Gift also comes as codes that can be distributed via SMS or email. This is API-enabled and can seamlessly integrate with clients’ systems to fully automate incentive programs. Codes can also be customized and accepted at specific brands or for specific products to cater to clients’ preferences.


Pluxee introduces another innovation with the Pluxee Gift card, a physical card that comes with digitally powered codes and may be used instantly in stores. These codes can be converted to Pluxee Gift credits in the Pluxee Philippines app to enable partial redemption and access to app-exclusive brands.

"Being one of the leading global partners in employee benefits and engagement, we’re dedicated to unlocking opportunities to enhance people’s lives at work and beyond,” says Mert Cetin, CEO of Pluxee Philippines. 

“We cover areas such as food, recreational activities, gifts, wellness, mobility, and more. We harness the power of digital to help our Clients give meaningful, sustainable rewards that foster a motivated and satisfied workforce. We make it easy for Consumers to use their rewards and maximize their choice with the continued expansion of our merchant network. We support our Merchants by accelerating traffic and reach so they can thrive in a competitive market,” he adds.

Live Joyful with Pluxee

In line with the launch of Pluxee in the Philippines, the brand kicks off its “Live Joyful” digital campaign, which highlights the many ways that Pluxee Gifts enable memorable experiences.
“A Pluxee Gift is more than just a reward or benefit. It’s a personal, immersive experience from making the most of what you have and enjoying what really matters to you. The campaign is an ode to the vibrant and optimistic spirit of Filipinos who never run out of ways to create and spread happiness,” says Sharon K. Velasco, Marketing Director of Pluxee Philippines.
Pluxee invites clients, partners, and the public to explore its products and services, and the countless joyful moments that these can bring. Watch out for more exciting developments in store. For more information, visit bit.ly/PluxeePhilippines. For gifting needs, you can purchase Pluxee Gifts at shop.pluxee.ph, call the Customer Care Hotline at 8689 4700, or email support@care.pluxee.ph.

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About Pluxee

Pluxee is the global leading employee benefits and engagement partner that creates meaningful, engaging, and personalized experiences to contribute to the well-being of individuals at work and beyond. The company offers a full range of innovative and digital solutions deployed in 31 countries. From meal and food, culture, gifts to wellness and mobility, Pluxee’s products and services are designed to bring more value to people. Pluxee promotes the well-being of more than 36 million consumers. Pluxee accompanies 500,000 clients to develop more meaningful relationships with their employees and improve their engagement. Pluxee simplifies the life of 1.7 million merchants every day. Strengthened by its historical ties with Sodexo, Pluxee with its 5,000 employees is committed to increase its influence as a CSR leader by giving its clients, partners and consumers the means to make more sustainable choices every day.

For more information: www.pluxeegroup.com

February 7, 2024

Embracing Loud Budgeting as a Love Language this Valentine’s Day

This 2024, a new trend called 'loud budgeting' is gaining popularity, encouraging people to openly discuss their finances without feeling embarrassed. Contrary to the 'quiet luxury' trend of the past year, loud budgeting helps Filipinos be more honest about their financial situation, leading to greater empowerment in managing their money. 

This Valentine's Day, let's celebrate the love language of financial wellness.

Regardless if it's Php 299 or 2,999 or 29,999, communication is key to financial wellness.

Last month, Filipino social media exploded with discussions about the ₱299 engagement ring. People were split on whether it was about self-worth or long-term financial plans, and both sides had valid points. There's no right or wrong answer here; it all depends on what matters most to you or your partner. But what can we take away from this in terms of financial wellness as a love language? It's about being honest about one’s money habits.

Having open conversations with one’s partner about spending and saving money sets the groundwork to avoid misunderstandings and disappointment. Whether it's about a ring or any other gift, clear communication helps manage expectations and keeps the relationship on solid ground.

Empowering financial security: Nurturing smarter money habits

Supporting smarter money habits for the future involves embracing financial wellness as a love language and encouraging one’s partner to engage in sound practices to build financial security. It encompasses a commitment to fostering better money management skills, such as prioritizing savings. While opening a traditional bank account can sometimes pose challenges due to stringent requirements, present financial solutions offer numerous digital banking alternatives like UnionDigital. The platform not only provides savings accounts but also offers convenient features such as seamless cashless transactions, including unique selling points like QR code peer-to-peer (P2P) transfers, with person-to-merchant (P2M) coming soon, and FREE instant fund transfers via InstaPay, ensuring a smoother and more efficient financial experience. Its UBEH Save is a high-interest savings account that offers a competitive interest rate of up to 4% p.a., enabling customers to grow their funds more effectively.

Building on social ties

Nurturing love in relationships needs time, effort, and emotional investment. The principle of the emerging practice of loud budgeting prioritizes meaningful experiences over extravagant gifts. In a similar sense, building a solid financial foundation goes beyond mere saving and involves strategic planning and understanding one’s finances—an invaluable investment for long-term results. Just as personal ties require cultivation and attention, financial well-being thrives on careful nurturing and informed decision-making.

Endearing ties and reaping its rewards

Investing in love and finances brings fulfilling rewards: shared accomplishments, emotional connection, and financial stability. Celebrating relationships and financial milestones reinforces the value of invested efforts as these moments serve as markers of progress and dedication. UnionDigital Time Deposit is one product that highlights the significance of mindful investment. For as low as 1,000 pesos, users can already enroll in an account. With one of the lowest minimum time deposit rate requirements, UnionDigital’s Time Deposit removes barriers to investment opportunities, facilitating a solid foundation for ongoing financial growth.

Harnessing self-love as an investment

Investing in self-love produces lasting outcomes, enabling one to fulfill and meet his or her own needs. Consider practicing self-love by indulging in activities that bring joy, relaxation, and inner peace. The value of self-care doesn't have to come with a hefty price tag, and can be found in simple, everyday practices that prioritize mental, emotional, and physical well-being.

As the period ushers in the love month, it’s time to redefine the approach to love. By understanding that love is not synonymous with extravagant spending, but about taking meaningful steps in nurturing relationships, one can create a more sustainable and fulfilling foundation for both love and life. Just like love, financial management requires careful attention, investment, and decision-making. UBEH Save and UD Time Deposit are products by UnionDigital tailored to offer convenient solutions for saving and investing, all designed to help achieve financial well-being with ease and confidence. By embracing sound practices, one can create a life that is a harmonious blend of emotional fulfillment and financial stability.

UnionDigital Bank is the digital bank subsidiary of Union Bank of the Philippines. It is one of the six digital banks in the country regulated by the Bangko Sentral ng Pilipinas (BSP). At present, UnionDigital offers a wide array of financial services, featuring competitive offerings such as the P1,000 Time Deposit, high-yield savings account, QRPH payments and transfers, among others. In a significant move to enhance financial inclusion, UnionDigital is poised to introduce a cash loan product, distinguished by its entirely digital application process and quick crediting of funds within minutes.

January 26, 2024

Head of PR of Home Credit Assumes Key Roles in PANA, PANAF

The Head of Public Relations of Home Credit Philippines, Ken Lerona  has been elected to serve as a Board Member in the Philippine Association of National Advertisers (PANA) and as a Trustee in the PANA Foundation (PANAF), for the year 2024
Ken Lerona reinforces Home Credit's commitment to industry leadership

With his extensive experience and outstanding contributions to the field of public relations, Lerona brings his wealth of knowledge and strategic insights to both PANA and PANAF. His roles highlight his commitment to advancing the Philippine public relations and advertising industry and supporting meaningful initiatives that make a positive impact to society.

As a Board Member of PANA, Lerona will actively contribute to shaping the strategic direction of the organization, fostering collaboration among industry professionals, and promoting excellence in brand building practices amidst the background of digitalization and AI revolution. Simultaneously, as a Trustee in PANAF, he will play a vital role in promoting a socially aware community and will prioritize the best interests of the communities member brands serve.

Lerona is committed to give his best on these roles. "I am committed to contributing my skills and experience to further the missions of both organizations and to uphold the standards of excellence in the Philippine marketing and brand building industry as we transition to the new age of the brand building that is influenced by data and artificial intelligence,” said Lerona.

Lerona also served as director of PANA in 2020 to 2021. He was part of the board of the Public Relations Society of the Philippines in 2017.

This significant development not only underscores Lerona's leadership capabilities but also reflects Home Credit's commitment to fostering industry leadership and contributing to the betterment of society by actively promoting responsible brand-building. As Lerona takes on these roles within PANA and PANAF, Home Credit anticipates that his contributions will not only enhance the company's visibility within the PR and advertising landscape but also strengthen its dedication to corporate social responsibility.

Home Credit believes active participation in industry associations and foundations aligns with its core values and demonstrates a commitment to shaping a responsible and innovative financial industry.

Lerona eagerly anticipates the positive impact his contributions to PANA and PANAF will have on Home Credit.

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also follow its official Facebook, Instagram, and TikTok accounts. Customers are also encouraged to download the My Home Credit App on Google Play to learn more about the latest promos and see what’s new in the Marketplace.

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).

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