Tiwala ALWAYS comes with a Price

Pera, Pera, at Pera pa rin.

Nakakalungkot isipin na marami pa ring mga tao ang nasisira dahil dito. Its devastating when the person that you trust the most will be the one to betray you.

Micro financing, as I call it, is really all based on TRUST. Maganda ang ROI but at the same time sobrang laki din ng risk at damages na involve.

I started this venture way back when I was with SUTHERLAND, ang aking very first call center company na sinalihan. I remember the first time I entered the room i was shocked. GraH beh! I pictured it as a market place - isang palengke sa Pinas na puno ng mga inglesero at ingleserang noypis.

Going back to my topic. So yun nga, i got my ex girlfriend pregnant. At siyempre, ang usual na dilemma ng lahat - GASTOS. In short pera. I was really problematic way back then. I mean ginusto ko yung nangyare, I am very happy with it, but I dont want my ex and our kid to be to suffer dahil lang sa wala kaming pambayad sa hospital.

Aminin man natin or hindi isa sa mga problema natin sa mga hospital ay yung fact na hindi ka nila aasikasuhin kapag wala kang atik. Some may disagree but I am sure there are people out there who will agree base on first hand experience.

And so a friend went to me and said, "Brod me pera ka ba jan? Pahiram naman me emergency kami sa bahay eh."

I was hesitant of course. Sampung libo na lang ang aking salapi tapos sa iba pa ito sasapi. But in the end, to cut the looooong story short, I still ended up lending him the money. Hindi ako makahindi. malayo pa naman ang due ni ex.

I guess its okay to mention his name. In fact, I want to really thank him kasi siya yung naging instrumento para mamulat ako sa kalakal na ito. And so moving on.

Ryan returned the money. I gave him 10k, he returned 11k.

"Oh Ryan, sobra toh?"

"Tangeks hindi tama lang yan. salamat. okay?"

And after that he referred friends & officemates. And the rest is history.

So saan papasok si TIWALA? Oh well, Ryan, in the end, tainted his credit reputation. Sya yung una. My friend. Supposed to be kumpare. The reason why I have this venture right now.

I am still thankful. In a way napakalaki ng naitulong nya sa akin kasi kung anu man yung nae enjoy ko ngayon, was all started by him.

He was not the only casualty. To date, to be honest, I have 10% recorded bad debts. Ganun talaga eh. This whole thing is a double edged sword.

I cant tell my self that I never learn because everytime this happens, I simply charge it to experience. I cant do it all the time though. And I dont!

Nakakainis talaga sa totoo lang. Ikaw ba hindi ka maiinis? Hindi ka ba malulungkot? That there are people who would all of a sudden betray you? And cost you at the same time?

Its a very difficult predicament. Sa totoo lang may mga hinabol talaga ako. And I am happy that I was able to get help. Salamat sa form. But I feel really bad and sad for them. Baket? Pwede ka naman makipag-usap ng maayos. Baket kailangan mo tumakbo? Is that the value of your INTEGRITY? Asan ang self worth mo?

Tiwala is really pricey. We all know how hard it is to make ends meet. Lahat ng komodidad tumataas. Tiwala has cost me 5 thou, 10 thou, 15 thou, and even 20 thou. True - nabawi ko naman na sila. But its not the value that's hurting me. Its really the trust, the betrayal. Pwede mong sabihin na kumita naman ako sa kanila pero hindi kasi yun yun eh. Its about the relationship that was build, if there was even one to begin with. 

 

 

I am sure this would generate reactions both from the business perspective and the social perspective. But then again, that's  life. meron tayong kanya kanyang "pantayong pananaw." To some I may be a "band aid" - helping people put temporary remedy to their financial needs. Sa iba, pwede siguro na ako ay "germs" na nakikinabang sa pagkakataon ng pangangailangan ng iba. Either ways, ikaw na ang humusga.