charito: a charitable organization

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    INTRODUCTION

    This study aims to provide enough volunteers that will help people that might be

    affected by the calamities like typhoons and earthquakes, that will fed the hunger, that

    will teach the out of school youths and will give hope unto others. Despite of poverty

    that hinders some of the Filipino citizens for a better future this probably will prepare

    them to be more professional in the corporate environment. As much as the current

    situation stops them for having a good view in life, we, the proponents aim for these

    people to have a new perspective for them to know the values of good living and for

    chances of greener pasture. We believe that the act of helping and sharing are good

    examples of humble beginnings as far as success is concern, however, we cannot do

    this alone, we need other peoples help to make others dream not just simple dreams

    but putting in into a reality. We also believe that talent and skills doesnt have to be

    stagnant forever, we aim to improve, develop and sharpen this God given gift in a way

    that would help others physically, mentally, emotionally and even financially.

    According to Abraham Lincoln, With Malice toward none, with charity for all, with

    firmness in the right, as God gives us to see the right, let us strive on to finish the work

    we are in, to bind up the nation's wounds.One of the major goals of this study is to

    make the spirit of bayanihan be alive on every Filipinos heart. According to

    Evangeline Gomez, Various states, whose laws regulate corporate governance, have

    begun to catch up with the reality that not every investor or shareholder subscribes to

    the view that greed is good.Their goals also include improving the environment and

    http://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.htmlhttp://www.brainyquote.com/quotes/quotes/a/abrahamlin138222.html
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    developing communities. In the classic model, these social purposes had to be pursued

    in a non-profit corporation.

    We arent just focused on providing instant helpers in times of unexpected

    situations like typhoons, earthquakes, fire and other climates or natural disasters. We

    aim to get and have volunteers for medical missions, dental missions, optical missions,

    pabahay programs, paeskwela programs, feeding programs and even ALS (alternative

    learning schools). Additional activities to raise funds are conducting fun runs, concerts,

    special programs, galleries and we may even sell shirts printed with the name of the

    firm and handicrafts made by our staffs and clients.

    According to Mother Teresa, It's not how much we give but how much love we

    put into giving.No one has ever become poor by giving. It doesnt matter how much is

    the amount other people will be giving, if its large bills or coins, if its cash or in kind?

    What matter here is the effort and time concern citizens are willing to spend to help

    others. There is no exercise better for the heart than reaching down and lifting people

    up.

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    MARKETING

    ASPECT

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    Statement of the Problem

    This study aims to provide a deep understanding regarding with the perception of

    the students from the citizens living at Manila, Laguna and Cavite.

    Specifically, the study will answer the following questions:

    1. What is the demographic profile of the respondents?

    1.1 Citizens

    1.1.1 Age

    1.1.2 Gender

    1.1.3 Civil Status

    1.1.4 Educational Attainment

    1.1.5 Social Status

    1.1.6 Family Monthly Income

    2. Are the citizens living in the said three (3) places still studying?

    2.1 Total of Manila, Laguna and Cavite

    3. Are the citizens living in the said three (3) places working already?

    3.1 Total of Manila, Laguna and Cavite

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    4. Do the respondents have any background in volunteering programs?

    4.1 Total of Manila, Laguna and Cavite

    5. Are the respondents willing to join or spend time to be a volunteer?

    5.1 Total of Manila, Laguna and Cavite

    6. How many day/days in a week is/are the respondents available and willing to

    spend as a volunteer?

    6.1 Total of Manila, Laguna and Cavite

    7. How many hour/hours in a day is/are the respondents available and willing to

    spend as a volunteer?

    7.1 Total of Manila, Laguna and Cavite

    8. What role or profession will the respondents want to take place?

    8.1 Total of Manila, Laguna and Cavite

    9. In return, what do the respondents expect to receive from this program?

    9.1 Total of Manila, Laguna and Cavite

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    Scope and Delimitation of the Study

    This study focuses mainly on the different schools and colleges in Cavite,

    Manila and Laguna which is the main target market of this study whether this will be

    viable, feasible and profitable. Different schools, universities and colleges are somewhat

    may be partner of the business.

    The respondents of this study are within the said three (3) places from the

    different schools and colleges and also the respondents from each barangays of the

    stated place. Marketing and management aspects were conceived relative to general

    industry standards. Technical aspects were conceived in consideration of laymans

    perspective and as such, touch on topics only to extent necessary for understanding of

    the business and reliable estimation of costs.

    Significance of the Study

    This study is extensively designed to contribute to the beneficial analysis in

    the operation of CHARITO. This study will essentially contribute substantial to the

    general public and to the society. The results of this study could provide assistance to

    various people specifically:

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    The Proponents- This study could help them prepare for possible future jobs and it will

    also serve as the basis for pursuing a comprehensive financial statement

    Students- This study will be useful for future projects similar to this proposal, as a

    research reference

    Prospective Investors- This study will provide assistance in the decision whether to

    invest in such a project or not

    Creditors-This will help them decide if such a business is worth the leverage

    Promoters-This will help them ascertain the viability of new projects and choose from

    among the alternative projects, and the projects to be pushed through

    Businessmen and Entrepreneurs-This study will be beneficial as a model for similar

    businesses to improve its profitability and other aspects

    General readers- This study is a way of promoting general awareness and interest

    about the proposed project

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    DEFINITION OF TERMS

    For a common frame of references, the operational definitions of the following

    terms are provided:

    Charity generosity and helpfulness especially toward the needy or suffering;

    benevolent goodwill toward or love of humanity

    Charitable Organization

    Section 1 Charities Act 2006 provides the definition in England and Wales:

    (1) For the purposes of the law of England and Wales, charity means an

    institution which:

    (a) is established for charitable purposes only, and

    (b) falls to be subject to the control of the High Court in the exercise of its

    jurisdiction with respect to charities.

    It provides the following list of charitable purposes.

    1. the prevention or relief ofpoverty

    2. the advancement ofeducation

    3. the advancement ofreligion

    4. the advancement of health or the saving of lives

    5. the advancement of citizenship or community development

    http://en.wikipedia.org/wiki/Povertyhttp://en.wikipedia.org/wiki/Educationhttp://en.wikipedia.org/wiki/Religionhttp://en.wikipedia.org/wiki/Religionhttp://en.wikipedia.org/wiki/Educationhttp://en.wikipedia.org/wiki/Poverty
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    6. the advancement of the arts, culture, heritage or science

    7. the advancement of amateur sport

    8. the advancement ofhuman rights,conflict resolution or reconciliation

    or the promotion of religious or racial harmony or equality and

    diversity

    9. the advancement of environmental protection or improvement

    10. the relief of those in need, by reason of youth, age, ill-health,

    disability, financial hardship or other disadvantage

    11. the advancement of animal welfare

    12. the promotion of the efficiency of the armed forces of the Crown or of

    the police, fire and rescue services or ambulance services other

    purposes currently recognized as charitable and any new charitable

    purposes which are similar to another charitable purpose

    Out of School Youth children who have been excused from attending school or

    adolescents over 16 years of ages who are out of school legally

    Poverty threshold or poverty linethe minimum level of income deemed adequate in

    a given country. In practice, like the definition of poverty, the official or common

    understanding of the poverty line is significantly higher in developed countries than in

    developing countries

    http://en.wikipedia.org/wiki/Human_rightshttp://en.wikipedia.org/wiki/Human_rights
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    Volunteer a person who voluntarily undertakes or expresses a willingness to

    undertake a service: as

    a. One who renders a service or takes part in a transaction while having no

    legal concern or interest

    b. One who receives a conveyance or transfer of property without giving

    valuable consideration

    Volunteerismthe act or practice of doing volunteer work in community service

    RELATED LITERATURE

    Well review first the related charitable organizations that were focus on the

    humanitarian aspect for each and every Filipinos.

    PHILIPPINE RED CROSS

    First, Philippine Red Cross is one of the most known organizations that is aiming

    to help the Filipinos regarding with their health.

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    Philippine Red Cross

    Krus na Pula ng Pi l ipinas

    Abbreviation PRC

    Motto Always First. Always Ready. Always There.

    Formation December 4, 1917 (as chapter)

    April 15, 1947

    Type Non-governmental organization

    Purpose/focus Humanitarian

    Headquarters Manila,Philippines

    Location Bonifacio Drive,Port Area,Manila 1018

    Region served Philippines

    Membership International Federation of Red Cross and

    Red Crescent Societies(IFRC),International Red Cross and Red

    Crescent Movement

    Official languages Filipino and English

    http://en.wikipedia.org/wiki/Non-governmental_organizationhttp://en.wikipedia.org/wiki/Non-governmental_organizationhttp://en.wikipedia.org/wiki/Humanitarian_aidhttp://en.wikipedia.org/wiki/Manilahttp://en.wikipedia.org/wiki/Philippineshttp://en.wikipedia.org/wiki/Port_Area,_Manilahttp://en.wikipedia.org/wiki/Manilahttp://en.wikipedia.org/wiki/Philippineshttp://en.wikipedia.org/wiki/International_Federation_of_Red_Cross_and_Red_Crescent_Societieshttp://en.wikipedia.org/wiki/International_Federation_of_Red_Cross_and_Red_Crescent_Societieshttp://en.wikipedia.org/wiki/International_Federation_of_Red_Cross_and_Red_Crescent_Societieshttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/Filipino_languagehttp://en.wikipedia.org/wiki/File:Logo_Philippine_Red_Cross.svghttp://en.wikipedia.org/wiki/File:Logo_Philippine_Red_Cross.svghttp://en.wikipedia.org/wiki/Filipino_languagehttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/International_Federation_of_Red_Cross_and_Red_Crescent_Societieshttp://en.wikipedia.org/wiki/International_Federation_of_Red_Cross_and_Red_Crescent_Societieshttp://en.wikipedia.org/wiki/International_Federation_of_Red_Cross_and_Red_Crescent_Societieshttp://en.wikipedia.org/wiki/Philippineshttp://en.wikipedia.org/wiki/Manilahttp://en.wikipedia.org/wiki/Port_Area,_Manilahttp://en.wikipedia.org/wiki/Philippineshttp://en.wikipedia.org/wiki/Manilahttp://en.wikipedia.org/wiki/Humanitarian_aidhttp://en.wikipedia.org/wiki/Non-governmental_organization
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    Chairman of the

    Board of Governors

    Richard J. Gordon

    Secretary General

    Gwendolyn T. Pang

    Website www.redcross.org.ph

    Born officially in 1947, the Philippine Red Cross (Filipino:Krus na Pula ng

    Pilipinas, abbreviated as PRC) is a member of the International Red Cross and Red

    Crescent Movement,has roots going back to the revolutionary days. The PRC has been

    established 60 years ago. Before, the PRC used to be involved only in providing blood

    and in disaster-related activities and short-term palliatives. Now it also focuses on a

    wider array of humanitarian services.

    FAR EAST BROADCASTING COMPANY

    Second is Far East Broadcasting Company or better to say as FEBC. This

    Radio Broadcasting Company was established more than sixty (60) years through the

    help of donations, extra fund raisings and any other donations coming from inside and

    outside the Philippines. This non-governmental organization is focused on sharing the

    good news to everyone as much as they can through airing on radios.

    Far East Broadcasting Company

    http://en.wikipedia.org/wiki/Richard_Gordon_(politician)http://en.wikipedia.org/wiki/Richard_Gordon_(politician)http://en.wikipedia.org/wiki/Secretary_Generalhttp://en.wikipedia.org/wiki/Secretary_Generalhttp://en.wikipedia.org/w/index.php?title=Gwendolyn_T._Pang&action=edit&redlink=1http://www.redcross.org.ph/http://www.redcross.org.ph/http://en.wikipedia.org/wiki/Filipino_languagehttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/International_Red_Cross_and_Red_Crescent_Movementhttp://en.wikipedia.org/wiki/Filipino_languagehttp://www.redcross.org.ph/http://en.wikipedia.org/w/index.php?title=Gwendolyn_T._Pang&action=edit&redlink=1http://en.wikipedia.org/wiki/Secretary_Generalhttp://en.wikipedia.org/wiki/Richard_Gordon_(politician)
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    Country Mainly in the Philippines, with service

    to Asia, Africa, and the Middle East

    First air date June 4, 1948

    Established 1945

    DailyBroadcasts

    650+ hours

    Languages 149

    Webcast FEBC Hmong Radio

    FEBC Indonesia

    FEBC JapanFEBC Korea

    Mien Radio

    FEBC Philippines

    FEBC Russia

    Feba Singapore

    FEBC Taiwan

    FEBC Thailand

    Nguon Song Radio Vietnam

    Far East Broadcasting Company (FEBC) is aninternationalradio network that

    airs Christian programs in 149 languages. Broadcasts are aired fromshort

    wave,medium wave (AM), andFM transmitters located throughout the world.

    The organization also works to meet the physical needs of its listeners by providing

    scholarships, holding marriage seminars, and distributing items such as seedlings

    (helping a family grow their own food) and bicycles (transportation for students or

    pastors). Although many listeners live in very remote locations, FEBC receives more

    than 850,000 listener responses in the form of visits to the station, letters, text

    messages, phone calls and emails.

    http://en.wikipedia.org/wiki/Webcasthttp://www.hmongradiofebc.com/index_hmd.phphttp://www.yaski.co.id/http://www.febcjp.com/http://www.febc.or.kr/http://www.mienradio.com/http://www.febc.ph/http://www.febc.org.ru/live/index.shtml/http://www.febaltd.com/http://www.feearadio.net/http://www.febcthailand.org/http://www.dainguonsong.com/ns/http://en.wikipedia.org/wiki/Internationalhttp://en.wikipedia.org/wiki/Radiohttp://en.wikipedia.org/wiki/Christianhttp://en.wikipedia.org/wiki/Shortwavehttp://en.wikipedia.org/wiki/Shortwavehttp://en.wikipedia.org/wiki/Mediumwavehttp://en.wikipedia.org/wiki/FM_broadcastinghttp://en.wikipedia.org/wiki/FM_broadcastinghttp://en.wikipedia.org/wiki/Mediumwavehttp://en.wikipedia.org/wiki/Shortwavehttp://en.wikipedia.org/wiki/Shortwavehttp://en.wikipedia.org/wiki/Christianhttp://en.wikipedia.org/wiki/Radiohttp://en.wikipedia.org/wiki/Internationalhttp://www.dainguonsong.com/ns/http://www.febcthailand.org/http://www.feearadio.net/http://www.febaltd.com/http://www.febc.org.ru/live/index.shtml/http://www.febc.ph/http://www.mienradio.com/http://www.febc.or.kr/http://www.febcjp.com/http://www.yaski.co.id/http://www.hmongradiofebc.com/index_hmd.phphttp://en.wikipedia.org/wiki/Webcast
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    GAWAD KALINGA

    Third and the last is Gawad Kalinga. This organization is focused merely on

    alleviating poverty on our nation. Gawad Kalinga (GK), which means to "give care" in

    Filipino, is officially known as the Gawad Kalinga Community Development Foundation,

    a Philippine-basedpoverty alleviation andnation-building movement. Its mission is to

    end poverty for 5 million families by 2024.

    SYNTHESIS

    The related literatures and article added us more information regarding with the

    world that were about to enter. The related literatures of Philippine Red Cross, Far East

    Broadcasting Company and Gawad Kalinga just prove us that this study is near with

    reality and this isnt just a dream to be dreamt. We, the proponents had the guide that

    no matter how hard it is to start something new in the ears of everyone, something

    unique with the community, something that is never opened in the public, it will never

    become impossible as long as you believe with yourself and with the persons that you

    are with. We saw something common with the three (3) samples of a humanitarian

    organization we researched; they all both have the passion of helping everyone and

    focused on doing well for the others. Whats the difference between all these three (3)

    with Charito is that were not just concern with the Health (like Red Cross), with sharing

    good news (like FEBC) and alleviating poverty (like GK), were more than those. We

    provide volunteers for Disaster Management, we support individuals regardless of their

    http://en.wikipedia.org/wiki/Poverty_alleviationhttp://en.wikipedia.org/wiki/Nation-buildinghttp://en.wikipedia.org/wiki/Nation-buildinghttp://en.wikipedia.org/wiki/Poverty_alleviation
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    ages, races and citizenships in terms of education and health, we work with others to

    find lasting solutions to poverty and suffering, we help to improve an orphans life by

    giving the total care they need and also we try our best to leave a smiling face unto

    others.

    The related article tackles about the for-profit charity organizations, this are

    organizations that is focused on social responsibility they have and also to earn more

    capital so that they can help more the individuals. Well, Charito may also increase their

    capital through adding other activities like fun runs, concerts, garage sales, festivals,

    galleries, presentations and selling shirts, ballers, accessories, handicrafts, exhibits etc.

    The funds that will be collected will be also used for accomplishing our mission and

    objectives.

    METHODOLOGY

    This presents the research methodology of the study on how we gathered data.

    This includes the research design, population and sampling techniques, respondent of

    the study, research instrument, data gathering procedures and the statistical methods

    that were used to analyze and interpret data.

    Research Design

    The proponents used the Quantitative research where is a formal, objective,

    systematic process in which numerical data are utilized to obtain information about the

    world. It deals with the relationship of variables. Quantitative approach used since the

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    study undergone a systematic process and with the use of a Quantitative approach;

    variables will be measured through the statistical data.

    The proponents used descriptive method of survey in which this method has

    a purpose of describing the current or the prevailing conditions, opinions, attitudes,

    impressions and descriptions. This method is essentially getting or gathering data and

    information from variety of subjects taken from a presentation. And the proponents also

    used some references for gathering some objective types of ideas.

    As part of larger study, we will develop a personal administered survey to tap

    the concept constructs of our study. A total of four hundred (400) usable questionnaires

    from the citizens of Manila, Cavite and Laguna and another one hundred seventy six

    (176) usable questionnaires from the different schools and colleges will be consulted to

    assist the construction of a survey instrument to meet the objectives of the study. We

    will classify the study according to the data and other information gathered. We will use

    numerical data to know the potential out of the less fortunate that patronize and use the

    proposed project and also for use to determine how they relate it to the study. The effect

    of this data to the study is to provide answer based on the results of the respondents.

    Population and Sampling

    Population

    In order to determine the potential demand for the project residing in Manila,

    Cavite and Laguna, we, the proponents, considered the population of male and female

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    citizens aging 18 to 35 years old who will potentially be part of the project. The total

    population of the said three locations is 7,412,709.

    SAMPLING

    The sample size is determined using the Slovins Formula: n=N/(1+Ne2).

    Where:

    n = sample size,

    N = total population and

    e = margin of error (rate of 5% will be used)

    Substituting the values;

    For citizens:

    n = 7,412,709 / (1+7,412,709 x 0.052)

    n = 399.9 or 400 respondents

    Table 1. Number of Population in Manila, Laguna and Cavite

    Place Total Population

    Manila

    Laguna

    Cavite

    TOTAL

    1, 652, 171

    2, 669, 847

    3, 090, 691

    7, 412, 709

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    For citizens:

    Table 2 Procedure in Getting Citizens Sample

    Places Population Percentage Total Respondents

    Laguna 3,090,691 42% 168

    Cavite 1,652,171 22% 88

    Manila 2,669,847 36% 144

    Total 7,412,709 100% 400

    Respondents of the study

    The respondents in the study are the selected citizens who are available and

    willing to spend their time as a volunteer residing at Manila, Laguna and Cavite. We

    have selected four hundred (400) respondents segmented into gender and age and we

    conducted survey questionnaires and informal observations that could help in

    analyzation and interpretation of our research study.

    Research Instrument

    The instrument or medium that we used in this research study was survey

    questionnaires which purpose is to determine the reason why do they use printed books

    or e-books to their study and their perception to its attributes upon using.

    We also conducted Informal interview to know their opinion about volunteerism

    and charitable institutions and also to obtain additional information about our study. The

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    researchers decided to use the following instruments because we know that

    questionnaire and interview is best way to gather information and to know their exact

    opinion and perception about our study.

    The purpose of the instrument is to determine the perception of the citizens from

    Manila, Laguna and Cavite about charitable institutions.

    Validation of the Instrument

    The research instrument was checked by the adviser of this study. Checked and

    validated by Prof. Irma Estella Marie Esteban of Polytechnic University of the

    Philippines San Pedro Campus and a letter of request for conducting the survey was

    signed by the Dr. Aldrin Antivola. After the validation, we tested it by fifteen people and

    weve we found that it is merely right. So we continued to do it until we finished.

    Data-Gathering Procedure

    After validation and revision of the research instruments, a letter of request duly

    signed/noted by Dr. Aldrin Antivola and researchers leader to seek approval for the

    administration of the municipalities of Manila, Laguna and Cavite. After they approved

    the letter we gave, they informed us that we can start already so we did and distributed

    our questionnaires having the four hundred (400) respondents that are segmented

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    based on their age and gender. From February 17 till February 25, 2014, we gathered

    all the data that is needed and useful for our research.

    Statistical Treatment of Data

    The researchers used the following descriptive statistics as a statistical

    instrument to answer the problem of the research study.

    Slovins Formulais used to determine the sample size of the target population.

    Formula:

    n =

    where: N = Total Population

    E = Margin of Error

    Frequency Count and Percentage to calculate how many respondents,

    specifically, the citizens residing from Manila, Laguna and Cavite fitted into a certain

    category. This calculation is expressed by both the actual number and percentage.

    Percentage Formula to get the percentage, given number times one hundred

    divided by the total number.

    Tabular Description needed in which tables of numbers summarize the data.

    Graphical Displays of the data in which graphs provide summary about the

    demographic profile of the study.

    1 + Ne

    N

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    PRESENTATION, INTERPRETATION AND ANALYSIS OF DATA

    This will discuss the findings obtained from the primary instrument used in the

    study. It will discuss the characteristics of the respondents and their perceptions about

    printed books and e-books. In order to simplify the discussions, the researchers

    provided tables and graphs that summarize the collective reactions of the respondents.

    CHARACTERISTICS OF THE RESPONDENTS

    Includes the age, gender, civil status, educational attainment, social status and

    family monthly income of the citizens from Manila, Laguna and Cavite.

    Table 3 shows the respondents demographic profile according to age.

    Age Respondents(f) Percentage Ranked

    18-20 217 54% 1

    21-23 73 18% 3

    24-26 20 5% 5

    27-29 59 15% 2

    30-32 23 6% 4

    33-35 8 2% 6

    Total 400 100%

    The data shows that the highest registered respondents were 217 or 54%. To be

    followed by the 21-23 having 73 or 18% of the respondents as the second rank. The

    third rank as the age bracket of 27-29 having 59 or 15% of the respondents while the

    age bracket of 30-32 were 23 or 6% respondents registered as the fourth rank. For age

    24-26 having 20 or 5% respondents registered as the fifth rank. And lastly, the age

    bracket of 33-35 having a 8 or 2% of the respondents.

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    46%

    16%4%

    27%

    5% 2%

    Respondent's Age Profile

    18-20

    21-2324-26

    27-29

    30-32

    33-35

    47%

    53%

    Respondent's Gender Profile

    Male

    Female

    Figure 1 Respondents Age Profile

    Table 4 shows the respondents demographic profile according to gender

    Gender Respondents Percentage Rank

    Male 190 47 2

    Female 210 53 1

    Total 400 100

    Out of 400 respondents from Cavite, Laguna and Manila, female respondents

    dominated the male respondents. The former having 53% or 210 respondents while the

    latter having 47% or 190 respondents

    .Figure 2 Respondents Gender Profile

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    67%

    31%

    2%

    Respondent's Civil Status Profile

    Single

    Married

    Widow/Widower

    Table 5 shows the respondents demographic profile according to civil status

    Civil Status Respondents Percentage Rank

    Single 268 67% 1

    Married 124 31%2

    Widow/widower 8 2% 3

    Total 400 100%

    The data shows that the highest registered respondents are single with 67% or

    268 respondents. It is followed by the civil status of married got 31% or 124

    respondents. And only 2% or 8 respondents are widow.

    Figure 3 Respondents Civil Status Profile

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    Table 6 shows the demographic profile according to educational attainment.

    Educational Attainment Respondents Percentage Rank

    Primary 8 2% 5

    Secondary 67 17% 2Tertiary 234 59% 1

    Vocational 60 15% 3

    Post-Graduate 28 7% 4

    Post-Doctoral 3 1% 6

    Total 400 100%

    This table shows that the highest registered respondents were Tertiary with 243

    or 59% respondents. It is followed with the respondents of Secondary with 67 or 17%

    respondents. There were 60 or 15% respondents for vocational and 7% or 28

    respondents for Post-graduate. And 2% or 8 respondents attained primary level and is

    closed to the respondents of Post-graduate with 1% or 3 respondents.

    Figure 4 Respondents Educational Attainment Profile

    2%

    17%

    59%

    15%

    7%

    1%

    Respondent's Educational Attainment Profile

    Primary

    Secondary

    Tertyary

    Vocational

    Post-Graduate

    Post-doctoral

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    Table 7 shows the demographic profile according to social status

    Social Status Respondents Percentage Rank

    Student 214 53% 1

    Employed 126 32% 2

    Self-Employed 29 7% 4

    Unemployed 31 8% 3

    Total 400 100%

    With the table presented we can notice that the percentage of student has the

    highest ranked value with 53% or 214 respondents, followed by the second rank value

    of employed with 32% or 126 respondents, unemployed with 8% or 31 respondents and

    7% or 29 respondents for self-employed as the fourth rank.

    Figure 5 Respondents Social Status Profile

    56%19%

    3%8%

    Respondent's Social Status Profile

    Student

    Employed

    Self-Employed

    Unemployed

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    Table 8 shows the demographic profile according to family monthly income.

    Family Monthly Income Respondents Percentage Rank

    Below 20000-30000 309 77% 1

    30001-40000 74 19% 2

    40001-50000 11 3% 3

    50001 and above 6 2% 4

    Total 400 100%

    With the table presented we notice that the percentage of below 20000-30000

    family income has the highest ranked value with 77% or 309 respondents, followed by

    the second rank value of 30001-400000 family income with 19% or 74 respondents and

    3% or 11 respondents for 40001-50000 family income as the third rank. Lastly, the

    family income of 50001 and above got 2% or 6 respondents.

    Figure 6 Respondents Family Monthly Income Profile

    77%

    19%

    3% 2%

    Respondent's family monthly income Profile

    Below 30000

    30001-40000

    40001-50000

    50001 and above

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    Table 9 Are you studying?

    Respondents(f) Percentage Rank

    YES 228 57% 1

    NO 172 43% 2

    Total 400 100%

    In over all, out of 400 respondents from Manila, Cavite and Laguna, most of the

    respondents are students having 56% or 228 respondents while 172 or 44% of them are

    working or unemployed.

    Table 10 Are you working?

    Respondents(f) Percentage Rank

    YES 167 44% 2

    NO 224 56% 1

    Total 400 100%

    The data shows that the highest registered respondents were students or

    unemployed with 56% or 224 respondents. And 44% or 176 of the respondents are

    working.

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    Table 11 Do you have any background in volunteering programs?

    Respondents(f) Percentage Rank

    YES 225 56 1

    NO 175 44 2

    Total 400 100

    The result of the survey shows that 56% or 225 of the respondents have a

    background in volunteering while 44% or 174 respondents have not yet experience

    volunteering program.

    Table 12 Are you willing to join or spend your time to be a volunteer?

    Respondents(f) Percentage Rank

    YES 341 85 1

    NO 59 15 2

    Total 400 100

    The table presented that the respondents from Cavite, Laguna and Manila got

    85% or 341 respondents shows that they are willing to volunteer while 15% or 59

    respondents are unwilling.

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    Table 13 How many days and hours in a week are you willing to spend as a volunteer?

    DAY(S) IN A WEEK

    Days Respondents Percentage Rank

    1 day 135 40% 2

    2-3 days 144 42% 1

    4-5 days 40 12% 3

    6-7 days 22 6% 4

    Total 341 100%

    The table shows that 135 or 40% of the total respondents can spend a day in a

    week in volunteering, 144 or 42% of the total respondents can spend 2-3 days in a

    week in volunteering, 40 or 12% of the total respondents can spend 4-5 days in a week

    in volunteering and 22 or 6% of the total respondents can spend 6-7 days in a week in

    volunteering.

    Table14 How many days and hours in a week are you willing to spend as a volunteer?

    HOUR(S) IN A DAY

    Hours Respondents(f) Percentage Rank

    1 hour 139 41% 2

    2-5 hours 180 52% 1

    6-9 hours 18 6% 3

    10 above 4 1% 4

    Total 341 100%

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    The table 15 shows that 139 or 41% of the total respondents are available for an

    hour in a week in volunteering, 180 or 52% of the total respondents are available for 2-5

    hours in a week in volunteering, 18 or 6% of the total respondents are available for 6-9

    hours in a week in volunteering and 4 or 1% of the total respondents are available for 10

    hours and above in a week in volunteering.

    Table 15 What role or profession will you take place?

    Respondents(f) Percentage Rank

    Dentist122 12% 3

    Nurse180 18% 2

    Pharmacist82 8% 6

    Doctor96 9% 5

    Physician53 5% 7

    Teacher 181 18% 1

    Construction worker50 5% 10

    Facilitator80 8% 7

    Organizer115 11% 4

    Therapist32 3% 8

    Others

    32 3% 9Total

    1023 100

    The table shows that 122 or 12% of the total respondents chose dentist as their

    role or profession in volunteering, 180 or18% of the total respondents chose nurse as

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    their role or profession in volunteering, 82 or 8% of the total respondents chose

    pharmacist as their role or profession in volunteering, 96 or 9% of the total respondents

    chose doctor as their role or profession in volunteering, 53 or 5% of the total

    respondents chose physician as their role or profession in volunteering, 1081 or 18% of

    the total respondents chose teacher as their role or profession in volunteering, 50 or 5%

    of the total respondents chose construction worker as their role or profession in

    volunteering, 80 or 8% of the total respondents chose facilitator as their role or

    profession in volunteering, 115 or 11% of the total respondents chose organizer as their

    role or profession in volunteering, 32 or 3% of the total respondents chose therapist as

    their role or profession in volunteering and 32 or 3% of the total respondents chose

    other role or profession in volunteering,

    Table 16 In return, what do you expect from this program?

    Respondents(f) Percentage

    Scholarship153 45%

    Allowance188 55%

    Others0 0%

    Total341 100%

    The table shows that 153 or 45% of the respondents expect scholarship for

    return from this program and 188 or 55% of the respondents expect allowances for

    return from this program.

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    Table 17 In return, what do you expect from this program? Under allowance, what type

    of allowance, meal allowance or fare allowance?

    Respondents(f) Percentage

    Meal70 37%

    Fare113 60%

    Others5 3%

    Total 188 100%

    The table shows that 113 or 60% of the respondents want fare allowance rather

    than 70 or 37% who want a meal allowance, while others belong to 5 or 3% who did not

    stated what type of allowance they want to receive.

    Summary of Findings

    We concluded a survey based on the citizens of Manila, Laguna and Cavite. We

    have 400 respondents, composing of 190 males and 210 females. We divide our

    respondents according to their age; the highest frequency of age that we had surveyed

    is from 18-20 with the percentage of 54% or a total of 217 respondents, the highest

    frequency of civil status is single with the total respondent of 268 or 67%, with

    educational attainment of 234 or 59%, with a social status as a student with 214 or 53%

    and having the family monthly income with the frequency of 309 or 77% ranging below

    Php30,000.

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    Findings

    1. Most of our respondents are still studying

    2. More than half of our respondents have backgrounds in volunteering program

    already.

    3. Most of our respondents are willing to spend their time as our volunteer.

    4. Most of our respondents prefer a 2-3 days in a week volunteering schedule.

    5. The respondent prefer to spend for 2-5 hours in a day as volunteer

    6. A teacher, Nurse and Dentist are the roles most prefers to be taken by our

    respondents.

    7. In return, they are expecting to have fare allowances from our program.

    Conclusion

    We are concluding that we should really pursue this study due from the

    demands is higher than our expectation and that the service should be offered into a 2-5

    days in a week and 2-5 hours in a day. Also that the interested volunteers should still

    have an option or chances of how many days and hours, roles and profession they

    would like to take place. And as an exchange, we will be providing their allowances in

    terms of transportation.

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    With the help of the results of our research, we conclude also that our service

    focused must be on providing educational and health related services according with

    the respondents answers regarding with the roles or profession most chosen.

    Recommendation

    After summarizing the findings and having our conclusion, we would like to

    recommend to the:

    PUP System. As we realized how meaningful helping others and leaving them a

    smile on a heart that will never be forgotten, we recommend that PUP System should

    use or adapt CHARITO as part of their social responsibility or even a partner for a long

    time with the government or municipal of its particular location.

    Faculties and Students. We recommend that they should educate their students

    with the social responsibility of each individual to others and recommend us, Charito, as

    an organization that students should join and even try.

    Filipino Citizens. Were recommending that lets altogether open our eyes with

    the truth that we can never live without the help of others. We should all offer a helping

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    hand to those who are in need, give if we have something to give. Theres no big or

    small amount in giving. It is the effort and time that counts.

    Local Government. Were recommending that they should pay attention in

    helping us in terms of financial matter. Were not just an organization or an institution;

    we are their partners in alleviating poverty on each community.

    Marketing Plan

    Let us begin with definition of marketing Wysoki (2001) defines ,marketing as the

    identification of customer wants and needs, and adding value to products and services

    that satisfy those wants and needs, at a profit marketing does not just occur between

    harvesting, packing and consumption. Effective marketing todays changing food

    system demands that producers also take on a marketing approach to production and

    shipping.

    I. Company Description

    One of the essential factors for the success of a business is its name. It is

    important to distinguish it from other firms. A good name creates an image to the market

    and learns a strong impact to the customers. It stands as a flag on which lies the

    performance of the business.

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    The proponents of the study decided to use the name CHARITO to introduce the

    services and to be easily distinguished. We chose CHARITO to be the name of our firm

    for it pertains to a person (Charito is a name of person), to a subject (Charito from the

    word charity) and it just simply defines our target market.

    In addition this study focusses mainly with provides volunteers and organizing

    events and programs in order to help the needy: the hunger, the out of school youths,

    the less fortunate and even the government of Manila, Laguna and Cavite. This study

    also concentrates with the persons who name the capability to work with and to share

    their innate potential talents, personal skills and knowledge to the republic.

    II. Company Logo

    Logos are a critical aspect of business marketing. As the company's major

    graphical representation, a logo anchors a company's brand and becomes the single

    most visible manifestation of the company within the target market. For this reason, a

    well-designed logo is an essential part of any company's overall marketing strategy.

    Figure 7 Logo

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    III. Market Description

    Since the proposed business is new entrant, it will be too hard for us to deal or

    a wide market and like compete with a stable and big charitable institutions that has

    unique approach with their markets we, the proponents decided to he the first in

    business in the municipality of Manila, Laguna and Cavite, where there are no existing

    competitors and several university and colleges were located; thus sufficient enough to

    career all their expenses and it will also be easy for us to deal demands on this locale.

    IIIA. Environmental Analysis

    Table 18 Geographic Profile of Manila

    Manila

    Density 42,858/km (111,000/sq mi)

    Area 1,474.82 km2(569.43 sq mi)

    Climate Tropical

    State Urban

    This table shows the geographic profile of Manila

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    Table 19 Geographic Profile of Laguna

    Laguna

    Density 1,400/km (3,600/sq mi)

    Area 1,917.85 km (740.49 sq mi)

    Climate Tropical

    State Sub-urban

    This table shows the geographic profile of Laguna

    Table 20 Geographic Profile of Cavite

    Cavite

    Density 2,000/km (5,100/sq mi)

    Area 1,574.17 km (607.79 sq mi)

    Climate Tropical

    State Sub-Urban

    This table shows the geographic profile of Cavite

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    Table 21 Demographic Profile of Manila

    Manila

    Age 18-20, 21-23, 24-26, 27-29, 30-32, 33-35

    Gender Male and Female

    Education

    Primary, Secondary, Tertiary, Vocational, Post-

    Graduate, Post- Doctoral

    Civil

    Status Single, Married, Widow/Widower

    Social

    Status Student, Employed, Self-Employed, Unemployed

    Religion

    Catholic, Born-Again, Iglesia Ni Cristo, Seven Day

    Adventist, Protestant, etc

    Nationality Filipino

    This shows the demographic profile of Manila

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    Table 22 Demographic Profile of Laguna

    Laguna

    Age 18-20, 21-23, 24-26, 27-29, 30-32, 33-35

    Gender Male and Female

    Education

    Primary, Secondary, Tertiary, Vocational, Post-

    Graduate, Post- Doctoral

    Civil

    Status Single, Married, Widow/Widower

    Social

    Status Student, Employed, Self-Employed, Unemployed

    Religion

    Catholic, Born-Again, Iglesia Ni Cristo, Seven Day

    Adventist, Protestant, etc

    Nationality Filipino

    This shows the demographic profile of Laguna.

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    Table 23 Demographic Profile of Cavite

    Cavite

    Age 18-20, 21-23, 24-26, 27-29, 30-32, 33-35

    Gender Male and Female

    Education

    Primary, Secondary, Tertiary, Vocational, Post-

    Graduate, Post- Doctoral

    Civil

    Status Single, Married, Widow/Widower

    Social

    Status Student, Employed, Self-Employed, Unemployed

    Religion

    Catholic, Born-Again, Iglesia Ni Cristo, Seven Day

    Adventist, Protestant, etc

    Nationality Filipino

    This shows the demographic profile of Cavite

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    Table 24 Psychological profile of Manila

    Manila

    Income Below 30,000, 40,000, 50,000

    Social status

    Lower, Lower Middle, Lower Upper,

    Upper Lower, Class A or B

    Lifestyles Ballenger, Achievers, Integrated

    Personality Ambitious

    This shows the psychological profile of manila

    Table 25 Psychological profile of Laguna

    Laguna

    Income Below 30,000, 40,000, 50,000

    Social status

    Lower, Lower Middle, Lower Upper,

    Upper Lower, Class A or B

    Lifestyles Ballenger, Achievers, Integrated

    Personality Ambitious

    This shows the psychological profile of Laguna

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    Table 26 Psychological profile of Cavite

    Cavite

    Income Below 30,000, 40,000, 50,000

    Social status

    Lower, Lower Middle, Lower Upper,

    Upper Lower, Class A or B

    Lifestyles Ballenger, Achievers, Integrated

    Personality Ambitious

    This shows the psychological profile of Cavite

    IV. Service Description

    What is Charito?

    A humanitarian organization dedicated to work with children, families and their

    community worldwide to reach their full potential by tackling the causes of poverty and

    injustices. Charito is a non-government organization characterized as an organization

    full of willing to help or volunteers, aiming to find lasting solution to poverty and suffering

    and to look after people and give happiness to others.

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    We choose to have a tagline Be a Hero. Volunteer Now. Now, is the time for

    us to unite, hold each other hand and help one another? Being a hero doesnt mean

    you need to be killed and have your own statue. Being a hero means sacrificing your

    time and effort for those who need most our help.

    Who we serve?

    For now, were about to serve the entire citizen residing at Manila, Laguna and

    Cavite regardless of their religion, race, ethnicity or gender.

    What we do?

    We provide emergency assistance to children and families affected by the natural

    disaster and civil conflict, work with communities to developed long-term solution to

    alleviated poverty and advocate for justice on behalf of the poor.

    Why we serve?

    Because that is our way of helping our country, serving alongside the poor and

    oppressed. We exist for that is our passion; that is our calling-VOLUNTEERING.

    Services We Are Offering

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    Volunteers for:

    HEALTH

    -Medical Mission

    -Optical Mission

    -Dental Mission

    CALAMITY RESPONSE

    -Typhoon

    -Earthquake

    FIRE DISASTER

    EDUCATION

    -ALS (Alternative Learning System)

    -OSYP (Out of School Youth Program)

    BUILDING INFRASTRUCTURE

    -Pabahay

    -Paeskwela

    OTHERS

    -Feeding Program

    -Film Showing

    But since our respondents chose teacher, nurse and dentist as their most

    preferable role or profession to take place as a volunteer, aside providing volunteers,

    we will be focusing more with education and health services.

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    CHARITOs Outreach Programs:

    -ALS -Festivals

    -OSYP -Performances

    -Fun Runs -Galleries

    -Concerts -Gift Giving

    -Garage Sales

    OTHERS (To earn more funds):

    Sell:

    Shirts, ballers, accessories, handicrafts and exhibits (made by either our own

    volunteers or those persons who we helped already)

    PARTNERSHIPS:

    -Municipals of San Pedro, Muntinlupa

    -Red Ribbon (Specifically United, FTI and Muntinlupa branches only)

    -Carinosa Restaurant and Catering Service

    -Newlong Industries Philippines Incorporation

    -Jesus Lord Of All Presbyterian Church

    -Drumstix Studio

    -Mandarin Hotel

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    COMPANY OBJECTIVES:

    -to support children who are in need whether it is providing food to them or an

    education

    -to work with others to find lasting solutions to poverty and suffering

    -to look after people and be nice to others

    -to help improve an orphans life by giving the total care they need

    -to help the officials of Manila, Laguna and Cavite in terms of manpower in times

    of need and unexpected situations

    V. Strategic Focus and Plan

    The strategic focus and plan is the life blood of virtually every project study. This

    study evaluates CHARITO as an alternative solution to the state of being lack of

    volunteers to help the government and non-government project and as a service for the

    schools and colleges to patronize as well and help the less fortunate, needy and youths

    to develop their talents and potentials. It focuses in determining the market demand for

    the service that we are going to offer in Manila, Laguna and Cavite.

    History studies have proven that a strategy indeed plays a vital role in the

    success of a business. Thats why it is considered one of the most important aspects of

    conducting a marketing research. Marketing as defined is the process by which

    determine what products or service may be of interested to or customers and strategy to

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    use in sales, communications and business developments. This study primarily deals in

    the evaluation of the market for the proposed projects, which establishments of a firm

    that would possess to cater the needs for such service. These study sills identify the

    definite market, positioning, strategies as well as to the basis of pricing.

    VA. Mission

    Our Mission:

    We in mission of building a partner with people and organization through the

    introduction of a charitable institution with a trust through strategic and price analysis

    that comes with value service. We believe that this nest occurred through instant

    training research and development primarily focusing on poverty volunteer to help the

    government and individuals. And lastly to leave a satisfying smile to everyone who have

    experience our service.

    VB. Vision:

    Our vision:

    We are envisioning that 3 to 5 years from now, Charito will be recognized of the

    most known organization at Manila, Laguna and Cavite with the largest number of

    volunteer and numerous made projects and outreach programs helping the less

    fortunate. And also, we envision that the word BAYANIHAN is the said will see to be

    more realistic.

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    VC. Our Purpose

    The purpose of their Charitable Institution is to be an open door for those who

    are as passionately committed to Charitos vision as we are.

    Through the organization donor and earned funds will be able to help the

    hope to the out of serve youths. Hunger, hopeless people and be a good Samaritan to

    those who need us most.

    VD. Our Core Values

    TTeamwork

    We aim to collaborate with each other to achieve our goals.

    HHonesty

    We will always keep our integrity even if no one is watching us and give an

    honest effort to deliver our services to the elderlies.

    UUnderstanding

    We will always keep in mind that people have individual differences and we need

    to always open our mind in understanding that diversity.

    NNeatness

    We will always keep the neatness of our surroundings and our people as well.

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    DDedication

    We are aiming to give our best in everything that we do to deliver our services to

    the elderlies.

    EEnergy

    We will work as a strong and energetic team to reach our goals for the benefit of

    both the business and our members.

    RRespect

    We will show our concern and value the opinion of others and treat everyone as

    we want to be treated.

    SSincerity

    We will empathize and make the elderlies feel that they are valued and given

    importance.

    VI. Marketing Strategy

    Managements goals cannot be achieved without effect strategies that would

    make the plans concrete and every department of company has its formulated

    strategies.

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    VIA. 4Ps (Product, Place, Price and Promotion)

    1. Product/Service Strategy

    The citizens of this nation, the less fortunate and the individuals who has a heart

    for giving and volunteering, are the reasons for the existence of Charito. The Voice of

    the People is our main priority. The volunteers has their options in terms of how many

    day/days in a week and how many hour/hours in a day will they be able to spend their

    time as our volunteers.

    2. Place Strategy

    The location is one of the major factors that can greatly affect the

    profitability of the business. It should be suitable and accessible. The proposed

    business will be located near Olivarez Plaza at Bian, Laguna. The proponents

    chose the said location for it is the most accessible place to their respondents.

    Theres a near route to expressway and a shortcut to travel Cavite.

    3. Pricing Strategy

    Pricing has a crucial factor in a product that really affects to the appeal of service

    offered to the potential clients. Pricing can reflect to the companys target market and

    the quality of the service for society often connotes price to quality. With the points to

    consider, pricing may decide the fate of the marketing strategy and perhaps even the

    project itself. Pricing has a vital role in a business organization. It depends consider first

    the expenses of the business before it operates and the implement.

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    Since we are a charitable institution, there is no specific pricing that will be set.

    We are open for any donations or sponsorships, either cash or in kind.

    4. Promotion Strategy

    Promotion is used by the management to communicate with each other about

    their products and services and to convince them to use or buy it. We, the proponents

    decided to use the following media to promote our services:

    Printed

    -flyers, tarpaulins

    Figure 8 Flyers

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    Social Network

    -Facebook, Google+, Yahoo, Youtube, Twitter, etc

    (We already have our own page at fb, were on its way on launching it thru

    updating everyones fb posts)

    Figure 9 CHARITOs Facebook Page

    Actual like as of August 4, 2014 is 279 likes.

    Text Brigades

    Radio Station (Plugging it to their greeting segments, especially 702 DZAS AM

    Station)

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    People Strategy

    The citizens of Manila, Laguna and Cavite that are willing to volunteer will

    be given trainings that will help them to develop, improve their performances and

    increase their knowledge through the events the company will also organize. We

    will be teaching all the volunteers regarding with the latest trends we have in the

    Philippines industry so Charito will not be and will never be left behind.

    Process Strategy

    Since Charito has a wide range of telecommunication timeline, willing

    volunteers may contact us easily, make an up to date scheduling, and in return

    we can immediately respond to them. They may also walk-in at our main office to

    have a personal conversation to our staff.

    VIB. STP (Segment, Target and Position)

    Segment, Target and Position (STP) is one of the basic building block of modern

    marketing (U.S. Small Business Administration, 1980).

    Market Segmentation

    Market segmentation is a marketing strategy that involves dividing a brand target

    market into subsets of customers and/or volunteers who have the common needs and

    applications for the relevant good or service. Depending on the specific characteristics

    of the service, these subsets may be divided by criteria such as age and gender and

    other distinctions like locations or income. Marketing campaigns can then be designed

    and implemented to target these specific customer segments.

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    Demographic Segmentation

    We, the proponents divided the market into groups based on their educational

    attainment, civil status, social status and age as the variables to determine easily the

    suitable services we offer.

    Psychographic Segmentation

    The target markets are divided into groups according to their lifestyle, personality

    and values to better understand. The intent of this segmentation is to identify groups of

    similar outcomes and potential customers that can prioritize our service.

    We, Charito, doesnt have any target market, were open for everyone regardless

    of who and what they are, political persons, artist, children, elders, students, employees,

    etc. Your status in life wont change the fact that everyone needs somebody in their

    lives.

    Targeting

    After segmenting the market based on the different groups and classes, we will

    need to choose our targets. No one strategy will suit all consumer groups, so being able

    to develop specific strategies for your target markets is very important. Charito is

    classified into a:

    Undifferentiated Targeting: This approach views the market as one group with no

    individual segments, therefore using a single marketing strategy. This strategy may be

    useful for a business or product with little competition where you may not need to tailor

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    strategies for different preferences. Since, were the first organization on our targeted

    locations that is offering a very unique service, we will be having an undifferentiated

    targeting.

    Positioning

    Competitive positioning is about how the business or the proposed project

    together with its people will differentiate their offering and create value.

    We will be hiring financial head, technical head, Over-All Head, Staffs and

    Facilitators. Except from those said positions that we will need, were open for some

    more faculties that may help us in accomplishing our goals and objectives.

    VII. SWOT ANALYSIS

    STRENGTHS The neighboring strategy we have Humanitarian Purpose Tie-ups Type of market The industry itself

    Everyday innovation No competitor

    WEAKNESSES Financial Stability

    OPPORTUNITIES Possibility of expansion Another line of service

    THREATS Financial Security

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