Treptor Greencard Lending Corporation
A Strategic Plan
Presented to the Faculty of the
College of Business Administration
University of the Cordilleras
In Partial Fulfillment
Of the Requirements for the Course
Strategic Management (CBME 2)
Submitted by:
Campos, Pamela May
Chason, Ivan Dave
Jovita, Virg Ivy
Llamas, Glory Ann
Somera, Stefan John
Teston, Mahalie
Submitted to:
Lara Faye G. Mula, MA
Adviser
March 2020
2
TABLE OF CONTENTS
Page No.
COVER PAGE
1
TABLE OF CONTENTS
2
LIST OF TABLES
3
LIST OF FIGURES
3
I. COMPANY PROFILE
a. Brief History of the Company
4
b. Nature of the Business
4
c. Vision, Mission, Core Values
5
d. Service Portfolio
6
II. STRATEGIC TOOLS
A. Input Stage
a. Internal Factors Evaluation
6
b. External Factors Evaluation
9
c. Competitive Profile Matrix
10
B. Matching Stage
a. SWOT Analysis
13
b. SWOT Matching
17
c. Internal-External Matrix
20
d. SPACE Matrix
20
e. BCG Matrix
23
C. Decision Stage
a. QSPM
25
III. OPERATIONAL PLAN
29
IV. REFERENCES
32
V. APPENDIX
a. Letter
35
3
LIST OF TABLES
Table No.
Page No.
Table 1
IFE Matrix
7
Table 2
EFE Matrix
9
Table 3
Competitive Profile Matrix
11
Table 4.1
SWOT Analysis
13
Table 4.2
SWOT Matching
17
Table 5
SPACE Matrix
21
Table 6
BCG Matrix
23
Table 7
QSPM Matrix
26
Table 8
Operational Plan
29
LIST OF FIGURES
Figure No.
Page No.
Figure 1
IE Matrix
20
Figure 2
SPACE Matrix
22
4
I. COMPANY PROFILE
A. Brief History of the Company
The Treptor Greencard Lending Corporation was established
in March 2017. The parents of the Treptor Family are the reason
why the company started. Their mother insisted so hard to have a
lending business because she mainly thought that it would help
those people who are in need, and at the same time, they can earn
a living from it.
The idea of a lending company started when the family began
to lend money to their relatives and friends. By then, the family
decided to open a financing company and expanded their market to
business owners other than their friends. They were able to
sustain the application of their loans through their own family’s
savings. When the business first operated in 2017, it opened
opportunities and started to open in Mabini, Baguio City. Up to
then, Treptor Greencard Lending Corporation currently has three
(3) branches, one in La Trinidad, Benguet, another in San
Fernando La Union, and the main branch in Baguio City.
B. Nature of the Business
Treptor Greencard Lending Corporation is a local lending
corporation that assists small businesses. The business offers
three (3) services, which are the 5% loan, special or emergency
loans, and item loaning. For the 5% loan, it is the principal
amount and a 5% interest. The emergency loans are only available
for customers who had been previous clients, this type of loan is
5
usually small amounts that are needed immediately. For item
loaning, the customers would apply for the item that they need to
buy, the company would buy it, the receipts are theirs, too, and
the customers would pay it in installments.
C. Mission, Vision, Core Values
The Treptor Greencard Lending Corporation does not have a
formal mission and vision statement. However, these phrases are
the main points the students have listed. These phrases are based
upon the interview that the students did (R. Treptor, personal
communication, February 02, 2021).
1. Mission
Engaging in the lending industry to assist small
businesses with their finances.
2. Vision
To make Treptor Greencard Lending Corporation be
an aid driven by starting and growing businesses.
3. Core Values
a) “Kung masipag ka, masipag din ako. So, magtulungan
tayo.”
b) Be kind to people.
4. Goals
The short-term goals for the business are to have
low delinquent loans for bad debts and to have proper
treatment of clients.
6
The long-term goals would be branching out to
other regions and other provinces in the Philippines.
D. Service Portfolio
1. Business Loans for 5% interest rate
The company’s 5% business loan is the main service that they
offer. It gives a 5% interest per month on its principal. This
type of loan is usually paid daily or weekly.
2. Emergency Loans
The emergency loan is a special type of loan that is only
available for their clients with a good credit score. This type
of loan is smaller compared to the main 5% business loan as it is
only given to customers when they have an emergency or when they
badly need money.
3. Item Loans
Item loaning also offers 5% interest on its loan; however,
the loan is not released in cash but an item instead.
II. STRATEGIC TOOLS
A. Stage I: Input Stage
a. Internal Factor Evaluation Matrix
Internal Factor Evaluation (IFE) Matrix is a strategic
tool used to evaluate a firm’s internal environment and to
reveal its strengths as well as its weaknesses. It provides a
basis for identifying and evaluating relationships among those
areas (David, 2017). It can also be used to show how well the
Lending Corporation is performing in relation to the internal
strengths and weaknesses.
Table 1: IFE Matrix
Key Internal Factors
Weight
Rating
Weighted
Score
Internal Strengths
High Public Trust
0.06
3
0.18
Use of technology for the
operations
0.06
3
0.18
History of Minimal Complaint
against services and employees
0.06
3
0.18
Customer and employee retention
and loyalty
0.06
3
0.18
Offers competitive rates to
borrowers
0.07
4
0.28
Good deal flows (increasing cash
flows)
0.07
4
0.28
Offers non-collateral loans
0.07
4
0.28
Reduced overall costs
0.07
4
0.28
resource utilization
Unskilled workers
0.01
2
0.02
No penalties for past due payments
0.07
1
0.07
Lack of online services
0.06
2
0.12
Administrative and accounting
challenges
0.01
2
0.02
Absence of strategic partner
0.06
2
0.12
Operating losses due to pandemic
0.02
2
0.04
