#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

Sustainable Livelihood Program

Microenterprise Development Training (MEDT) Module

Module 3.a:

Microenterprise Development Training (MEDT) Module

Module 3.a:

Target Competencies

Microenterprise Development Training (MEDT) Module

Module 3.a:

Target Competencies

Identify and analyze available livelihood assets, community resources, and potential risks within their environment that influence enterprise opportunities.

Apply SWOT Analysis to assess their current or potential livelihood situations.

Formulate simple, practical strategies to reduce risks and strengthen their livelihood plan.

Develop a simple and realistic business plan that integrates identified strengths, available assets, and viable livelihood strategies.

At the end of the training, the participants will be able to:

Learning Objectives:

Sustainable Livelihood Program

Microenterprise Development Training (MEDT) Module

Module 3.a:

Duration: 10 minutes

Pre-test

Instruction:

Choose the letter that corresponds to the correct answer using the “Gabay Workbook Pre-learning Assessment Answer Sheet”.

1. Microenterprise
2. Livelihood
3. Business
4. Selling

1.) It is the means by which a person or household secures the necessities of life. It also involves activities, resources, or strategies people use to meet their daily needs and improve their quality of life.

Pre-test

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. There is a hazard
2. You or your livelihood are exposed to it
3. You are vulnerable
4. You have strong savings and alternative income source

2.) A risk happens when all of these are present at the same time, except:

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Livelihood Diversification
2. Livelihood Pentagon
3. Livelihood Assets
4. Livelihood Education

3.) Mang Nardo plants only rice on his farm all year round. Last month, a strong typhoon destroyed his crops, and now he has no other income source. Which strategy could have helped him lessen the risk of losing his livelihood?

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Ledger
2. Gabay workbook
3. SWOT Analysis
4. Business Plan

4.) It is a comprehensive document which describes clearly the goals or objectives of the enterprise and it helps determine whether the enterprise is feasible and realistic before investing time and resources.

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Physical Capital
2. Natural Capital
3. Human Capital
4. Financial Capital

5.) This asset includes knowledge and skills gained from formal education, training, life experiences, and traditional knowledge passed down through generations by observation and practice, which was primarily used to improve their livelihood.

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Livelihood Pentagon
2. Livelihood System
3. Livelihood
4. Livelihood Assets

6.) It refers to the capabilities, skills, knowledge, and resources of household members that they can use to create activities or opportunities to earn a living and improve their lives.

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Human Capital
2. Physical Captial
3. Natural Capital
4. Gender Capital

7.) Aling Rosa wants to start a small food business. She already has the skills and a small capital but doesn’t have a place to sell. What asset from her community could help her the most in this situation?

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Production cost
2. Net income
3. Revenue
4. Expenses

8.) It includes all costs that have to be made each time the estimated output volume is produced.

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Physical Capital
2. Business Plan
3. SWOT Analysis
4. Social Capital

9.) It is a simple tool that helps a person, household, group or business look at their strengths, weaknesses, opportunities, and threats.

Instruction: Choose the letter that corresponds to the correct answer

Pre-test

1. Business
2. Planning
3. Social Gathering
4. SWOT Analysis

10.) ________ is thinking through, and then working out in detail, what you intend to do in a future period of time and how you expect to get there.

Instruction: Choose the letter that corresponds to the correct answer

1. Microenterprise
2. Livelihood
3. Business
4. Selling

1.) It is the means by which a person or household secures the necessities of life. It also involves activities, resources, or strategies people use to meet their daily needs and improve their quality of life.

Answer Key

1. There is a hazard
2. You or your livelihood are exposed to it
3. You are vulnerable
4. You have strong savings and alternative income source

2.) A risk happens when all of these are present at the same time, except:

Answer Key

1. Livelihood Diversification
2. Livelihood Pentagon
3. Livelihood Assets
4. Livelihood Education

3.) Mang Nardo plants only rice on his farm all year round. Last month, a strong typhoon destroyed his crops, and now he has no other income source. Which strategy could have helped him lessen the risk of losing his livelihood?

Answer Key

1. Ledger
2. Gabay workbook
3. SWOT Analysis
4. Business Plan

4.) It is a comprehensive document which describes clearly the goals or objectives of the enterprise and it helps determine whether the enterprise is feasible and realistic before investing time and resources.

Answer Key

1. Physical Capital
2. Natural Capital
3. Human Capital
4. Financial Capital

5.) This asset includes knowledge and skills gained from formal education, training, life experiences, and traditional knowledge passed down through generations by observation and practice, which was primarily used to improve their livelihood.

Answer Key

1. Livelihood Pentagon
2. Livelihood System
3. Livelihood
4. Livelihood Assets

6.) It refers to the capabilities, skills, knowledge, and resources of household members that they can use to create activities or opportunities to earn a living and improve their lives.

Answer Key

1. Human Capital
2. Physical Capital
3. Natural Capital
4. Gender Capital

7.) Aling Rosa wants to start a small food business. She already has the skills and a small capital but doesn’t have a place to sell. What asset from her community could help her the most in this situation?

Answer Key

1. Production cost
2. Net income
3. Revenue
4. Expenses

8.) It includes all costs that have to be made each time the estimated output volume is produced.

Answer Key

1. Physical Capital
2. Business Plan
3. SWOT Analysis
4. Social Capital

9.) It is a simple tool that helps a person, household, group or business look at their strengths, weaknesses, opportunities, and threats.

Answer Key

1. Business
2. Planning
3. Social Gathering
4. SWOT Analysis

10.) ________ is thinking through, and then working out in detail, what you intend to do in a future period of time and how you expect to get there.

Answer Key

What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1

Duration:

60 mins

My Livelihood Sketch

Activity 1

Instruction: �Illustrate your dream livelihood by drawing it creatively in the Gabay workbook. Identify and list the things you need, such as skills, tools, capital, or support to make your dream livelihood a reality. Describe the actions or steps you plan to take to reach and fulfill your desired livelihood.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

LIVELIHOOD

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

LIVELIHOOD

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Examples of Livelihood Activities

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

What is a

Business?

Business

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Examples of Business Ventures

A livelihood becomes a business when the activity becomes more organized, continuous, and focused on earning regular profit.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

It is a small business managed by an individual, household, or group. It may begin as a simple livelihood, like a sari-sari store or carinderia, but it follows basic business practices such as setting aside capital, planning production or sales, and targeting regular customers to earn profit.

What is a Microenterprise?

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Three things to look for when starting a microenterprise:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Hanapbuhay Match-up!

Activity 2

Instruction: �Each group or pair will be given a set of mixed picture cards (both assets and enterprise ideas). Within their groups, participants need to match an asset card to an enterprise idea that they think fits the best.

It refers to the capabilities, skills, knowledge, resources, and support systems that people and households can use to create activities or opportunities to earn a living and improve their lives. These include both the things we already own and those we can access, that will help us achieve the best possible outcomes for our livelihood and our family.

What is Livelihood Asset?

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Human Capital

Social Capital

Physical Capital

Natural Capital

Financial Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Human Capital

Example: Mang Rudy inherited fishing techniques from his father (passed-down knowledge), attended a seminar on fish drying (formal training), and maintains good health and an active lifestyle, all of which form part of his human capital.

Human Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Social Capital

RELATIONSHIPS

CONNECTIONS

TRUST

A truly resilient community is one where everyone, men, women, youth, elders, PWDs, IPs, has the chance to contribute, benefit, and lead. It’s not just about fairness; it’s about survival, growth, and community strength.

Social Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Example: Mang Lito’s tricycle broke down and he didn’t have enough money for repairs, his fellow TODA members contributed a small amount each so he could fix it and continue working. Later on, Lito did the same for another member who needed help. Their teamwork and trust helped them all keep their livelihoods going.

Social Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Physical Capital

TOOLS

EQUIPMENT

BUILDINGS

INFRASTRUCTURE

UTILITIES

Example: Liza owns a small oven she uses for her home-based bakery. She also depends on the barangay road to deliver her products to nearby stores and customers.

Both the oven and the road are examples of physical capital.

Physical Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Natural Capital

LAND

WATER

FOREST

OVERALL

ENVIRONMENT

Example: In Barangay San Roque, some households grow vegetables on a small piece of rented land. The nearby creek also serves as a water source for their crops. When the creek dried up during the dry season, their harvest decreased.

It shows how much their livelihood depends on natural capital like water and land

Natural Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Financial Capital

CASH SAVINGS

REMITTANCES

LOANS

CREDIT

Example: Aling Marites sells vegetables at the public market. When prices of supplies increased, she used a small loan from her cooperative to buy additional stocks so she could still meet her customers’ demand. By managing her loan well, she was able to maintain her business and even save a small profit.

It shows how financial capital helps sustain and grow a livelihood.

Financial Capital

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

1. When one asset weakens, others can help you recover.

2. When one asset grows, it can strengthen the others.

3. When one asset decreases, another can increase.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

1. When one asset weakens, others can help you recover.

Example: Mang Berting drives a tricycle (Physical Capital), has savings from his earnings (Financial Capital), and is part of a local tricycle drivers’ association (Social Capital). When his tricycle suddenly broke down, he couldn’t earn for a few days. But because of his good relationship with his association, his fellow drivers helped him with small contributions so he could repair his tricycle quickly.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

2. When one asset grows, it can strengthen the others.

Example: Aling Tess attended a dressmaking training (Human Capital). After gaining skills, she started sewing school uniforms for students in her barangay, earning extra income (Financial Capital). Because people liked her work, she got more customers through word of mouth (Social Capital).

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

3. When one asset decreases, another can increase.

Example: The small eatery of Aling Belen had to pause operations because the barangay road was under repair (her Physical Capital was affected). She used her time and skills in cooking to sell homemade snacks to nearby offices and schools instead (using her Human and Social Capital). By adjusting and using her other assets, she was still able to earn and even gained new regular customers after the road reopened.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Not all assets are owned by one person or household.

Some are personal, like skills, tools, or savings, while others are shared in the community, such as training centers, farm roads, or cooperatives.

Oh, May Puhunan!

Activity 3

Instruction: �Participants must list down the resources or assets you currently possess in each category (such as human, physical, financial, social, or natural) in the Gabay Workbook.

Each SLPA and MD individual participant will be given 10 mins to identify and discuss 2–3 common livelihood ideas they are interested in pursuing.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

is the possibility that something bad might happen, like losing your income, getting sick, or having your business damaged because of a hazard such as a typhoon, fire, illness, or price increase in the market.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

WHAT IS RISK?

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

=

x

x

It is anything that has the potential to cause harm or damage. It can be a natural event like a typhoon or earthquake, or a human-caused situation like fire, illness, or market price changes.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

WHAT IS HAZARD?

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

It refers to how close or connected people, livelihoods, natural resources, or properties are to a possible danger.

You are exposed if you live, work, or depend on something located in a hazard-prone area.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

WHAT IS EXPOSURE?

• The more exposed you are, the higher the chance of loss.
• Exposure does not automatically mean damage.
• Exposure alone does not cause disaster losses.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Two farmers plant rice in the same low-lying field (both are exposed). Farmer A has crop insurance, a barangay savings group, and a sideline job. Farmer B has no insurance, no savings, and no alternative income.

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When a flood hits, both are affected, but Farmer A recovers faster while Farmer B suffers greater losses. This example shows that exposure and vulnerability combined determine the level of risk and impact.

​

Example:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

It refers how likely a person, household, or community is to be harmed when a hazard happens.

It is how easily you, your livelihood, or your property can be hurt or lost when a disaster happens. It is how prepared or unprepared you are when a problem arrives.

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

WHAT IS VULNERABILITY?

Strengthen your skills and knowledge

(Human Capital)

​

​

Tips on how we can reduce the effects of Risk:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Diversify income and assets

(Financial & Physical Capital)

​

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Tips on how we can reduce the effects of Risk:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Build strong social connections

(Social Capital)

​

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Tips on how we can reduce the effects of Risk:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Protect your natural and physical resources

Tips on how we can reduce the effects of Risk:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Know your hazards, exposure and plan ahead

Tips on how we can reduce the effects of Risk:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Use insurance, savings, and safety nets

Tips on how we can reduce the effects of Risk:

Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

Risk, Risk, Go Away!

Activity 4

Instruction: �Based on the resources you listed in Activity 3, list down 2–3 chosen or planned livelihood activities. Analyze potential risks to your livelihood by listing which resources (Human, Social, Physical, Natural, or Financial) could be affected and suggest practical measures to avoid, minimize, or manage these risks.

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Session 1: What’s in Our Hands?: Understanding Our Livelihood Assets and Environment

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

Level-up Your Diskarte:

Analyzing and Strategizing for Resilient Livelihood

Session 2

Duration:

40 mins

What’s Your Diskarte?

Activity 5

Instruction: �Participants will be given 5 minutes to write one successful strategy and one strategy that they think needs improvement. Use two different colors of metacards for the two types of strategies.

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Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

Opportunity

Threats

Strength

Weakness

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

Strengths

These are things you already have or do well that help your livelihood succeed.

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

Weaknesses

These are your limitations or internal challenges. These are the things that make it difficult for your livelihood to grow. It can be improved or changed.

Opportunities

These are good chances or external support that can help your livelihood grow. These are not always permanent, so we need to recognize and grab them when they come.

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

Threats

These are external challenges or risks that can affect your business or income. They are usually beyond your control, but you can prepare or adjust your strategies to minimize their effect.

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

SWOT-tastic Livelihood!

Activity 6

Instruction: �Each SLPA and Individual Participants must choose one livelihood project or microenterprise they plan to pursue or prioritize.

Analyze your chosen project using the SWOT framework. Identify and list down its strengths, weaknesses, opportunities, and potential threats.

It is a plan or approach to make your livelihood more sustainable, profitable, and resilient against risks such as disasters, market changes, or limited resources.

What is Livelihood Strategies?

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

1. Intensification or value-addition
2. Enterprise upgrading/expansion
3. Risk reduction/preparedness
4. Migration/alternative employment
5. Diversification

Common Types of Livelihood Strategies

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

It is a strategy where households use a variety of skills, assets, and opportunities to engage in different activities that support their daily needs.

In simple terms, it means having more than one way to earn a living or spreading your sources of income so that if one is affected, others can help sustain the family.

What is Livelihood Diversification?

Session 2: Level-up Your Diskarte: Analyzing and Strategizing for Resilient Livelihood

Diskarteng Matatag

Activity 7

Instruction: �Based on your SWOT analysis, identify and list down 1-2 key strengths, weaknesses, opportunities, and threats, and create at least two practical strategies to improve or safeguard your project.

Include the expected benefits, responsible person, and schedule for each strategy.

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

From Idea to Income: Developing a Simple Business Plan

Session 3

Duration:

60 mins

It is simply means earning more money than what you spend in running your business.

It’s a measure of whether your enterprise is financially healthy and sustainable.

What is Business Profitability?

Session 3: From Idea to Income: Developing a Simple Business Plan

Session 3: From Idea to Income: Developing a Simple Business Plan

Key Factors Influencing Profitability

Demand and Market

Session 3: From Idea to Income: Developing a Simple Business Plan

• Ask neighbors, school staff, or local stores what products are in demand.
• Observe what items run out fast in stores or markets.
• Offer something unique.
• Seasonal products can still be profitable if planned well.

Location

Session 3: From Idea to Income: Developing a Simple Business Plan

• For product-based enterprises, being close to suppliers and customers saves time and transport cost.
• For service-based enterprises, choose areas with high foot traffic (near markets, schools, terminals).
• If your area is far, consider mobile or online selling (e.g., order online, deliver via riders).

Customer

Session 3: From Idea to Income: Developing a Simple Business Plan

• Target your immediate community or people you already know.
• Build relationships with consistent buyers (offer discounts or loyalty perks).
• Always deliver on time and maintain product quality to keep them coming back.
• For group enterprises, divide roles so you can serve customers even when one member is absent.

Market Segmentation

Session 3: From Idea to Income: Developing a Simple Business Plan

Session 3: From Idea to Income: Developing a Simple Business Plan

Demographic

Segmentation

• Age
• Gender
• Income
• Education
• Occupation
• Family Size

Session 3: From Idea to Income: Developing a Simple Business Plan

Geographic

Segmentation

• Village
• Barangay
• City/Municipality
• Region/Province
• Climate

Session 3: From Idea to Income: Developing a Simple Business Plan

Psychographic

Segmentation

• Interests
• Attitudes
• Values
• Hobbies
• Personality

Session 3: From Idea to Income: Developing a Simple Business Plan

Behavioral

Segmentation

• Buying habits
• Frequency
• Brand Loyalty
• Readiness to buy

How to Use Market Segmentation:

Session 3: From Idea to Income: Developing a Simple Business Plan

• Identify your customer groups.
• Focus your efforts.
• Tailor your marketing.
• Estimate demand.
• Plan distribution and pricing.

Distribution

Session 3: From Idea to Income: Developing a Simple Business Plan

• Use multiple channels such as sari-sari stores, online selling, resellers.
• Partner with local shops to display your products.
• Join barangay fairs or livelihood exhibits for wider exposure.
• Use social media (Facebook, Messenger, TikTok) to advertise and coordinate deliveries.

PROFIT = Sales - Expenses

Session 3: From Idea to Income: Developing a Simple Business Plan

Hanap Kita!

Activity 8

Instruction: �Each participant/group will writes their proposed product or service at the gabay workbook. Answer the guide questions in the table.

Write short statements under “Reflection / Plan”. Mark whether each factor is currently an Advantage or a Challenge. Under “Next Step or Improvement Plan”, list one simple action to strengthen weak areas.

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Session 3: From Idea to Income: Developing a Simple Business Plan

Session 3: From Idea to Income: Developing a Simple Business Plan

Business Plan

• WHAT resources (human, financial, etc.) will be needed to achieve the commercial objectives of the business
• WHERE will these resources come from
• HOW will these resources be utilized

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Session 3: From Idea to Income: Developing a Simple Business Plan

Components

• Cover page
• Executive Summary
• Operating/Production Plan
• Financial plan
• Marketing plan
• Organizational/management plan

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Session 3: From Idea to Income: Developing a Simple Business Plan

Cover page

• Name of your enterprise
• Contact address of the enterprise
• Telephone or cellphone numbers and e-mail address/es
• Logo of the enterprise
• Business slogan
• When was the business plan prepared (month and year)

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Session 3: From Idea to Income: Developing a Simple Business Plan

Executive Summary

• Brief Description
• Organizational Structure
• Products or services
• Target customers or market
• Business Goals

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Session 3: From Idea to Income: Developing a Simple Business Plan

Operating/Production Plan

• Raw Materials
• Tools and equipment
• Steps in production or service process
• Utilities and rent
• Transportation
• Permit
• Manpower and Labor Required
• Distribution logistics

Session 3: From Idea to Income: Developing a Simple Business Plan

Financial Plan

• Capital or start-up cost
• Estimated income and expenses
• Pricing of products/services
• Expected profit

Sales/Income

Session 3: From Idea to Income: Developing a Simple Business Plan

This is the total money earned from selling your products or services.

Tip: Always record your daily or weekly sales.

Production Cost

Session 3: From Idea to Income: Developing a Simple Business Plan

These are all the costs needed to make your product or provide your service.

Tip: Compute per unit (e.g., per pack or per kilo) to know your minimum selling price.

Gross Profit

Session 3: From Idea to Income: Developing a Simple Business Plan

This is what remains after you subtract your production cost from your sales.

Tip: If it’s negative, you’re spending more than you’re earning, and you need to adjust your price or costs.

Other Expenses

Session 3: From Idea to Income: Developing a Simple Business Plan

These are additional operating costs that are not part of production but are still needed to run your business.

Tip: Keep track of small recurring costs. Write them down daily or weekly.

Net Income

Session 3: From Idea to Income: Developing a Simple Business Plan

This is the amount left after deducting all other expenses from your gross profit.

Tip: Save a portion for business growth or emergencies before spending it.

Net Profit

Session 3: From Idea to Income: Developing a Simple Business Plan

This is the final profit after subtracting depreciation (the value lost by tools/equipment over time) and interest on loans (if you borrowed capital).

Tip: If it’s too low, look for ways to reduce costs or increase sales.

Session 3: From Idea to Income: Developing a Simple Business Plan

Organizational / Management Plan

• Who will manage/run the business
• Roles and responsibilities of members
• Additional labor
• Decision-making process
• Who handles procurement, production, marketing, administration

Session 3: From Idea to Income: Developing a Simple Business Plan

Marketing Plan

• Target customers
• Product features and benefits
• Pricing strategy
• Ways to promote or advertise
• Selling or distribution methods

Session 3: From Idea to Income: Developing a Simple Business Plan

The 4Ps of Marketing

Session 3: From Idea to Income: Developing a Simple Business Plan

DIGITAL

MARKETING

Session 3: From Idea to Income: Developing a Simple Business Plan

• Create an online presence
• Use content marketing
• Engage with customers online.
• Use promotions and giveaways.
• Use visual and video marketing.

Build, Build, Build

Your Plan

Activity 9

Instruction: �Participants will create their business plan using the Gabay workbook. Each group will complete the worksheet based on their chosen enterprise idea in 30 minutes.

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#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

• Livelihood is the means by which a person or household earns and sustains their daily needs, like food, shelter, clothing, education, and healthcare.
• There are five (5) Livelihood Assets that support every livelihood: Human Capital, Social Capital, Physical Capital, Natural Capital, and Financial Capital. The stronger and more balanced these assets are, the more resilient and sustainable a livelihood can be.

Recapitulation

• All livelihood assets are interconnected. When one asset weakens, it affects others, and when one improves, it can uplift the rest.
• Risks, hazards, and vulnerabilities threaten our livelihood and assets. These can come from natural disasters, illness, price increases, or loss of resources, but early preparation and risk management can reduce their effects.

Recapitulation

• Knowing your Strengths, Weaknesses, Opportunities, and Threats helps you make informed decisions. Strengths guide what to build on, weaknesses highlight areas to improve, opportunities reveal chances to grow, and threats help you anticipate challenges.

Recapitulation

• -Having multiple livelihood activities or sources of income reduces risk and strengthens resilience. Diversification can happen within the household (different members doing different activities), within a livelihood (different products/services), or across livelihood groups (offering varied products to serve multiple markets).

Recapitulation

• A profitable and sustainable business has a clear market demand, in a good and accessible location, has regular customers, and uses effective ways to deliver or sell its products or services.
• A simple business plan organizes your ideas into clear steps: resources, production, marketing, organizational roles, and finances. It helps you evaluate feasibility, plan for income and expenses, and anticipate risks, turning livelihood ideas into sustainable microenterprises.

Recapitulation

Post-test

Instruction:

Choose the letter that corresponds to the correct answer using the “Gabay Workbook Post-Learning Assessment Answer Sheet”

Duration: 10 minutes

Post-test

1. Social Capital
2. SWOT Analysis
3. Physical Capital
4. Business Plan

1.) It is a simple tool that helps a person, household, group or business look at their strengths, weaknesses, opportunities, and threats.

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Human Capital
2. Financial Capital
3. Physical Capital
4. Natural Capital

2.) This asset includes knowledge and skills gained from formal education, training, life experiences, and traditional knowledge passed down through generations by observation and practice, which was primarily used to improve their livelihood.

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Business
2. Selling
3. Microenterprise
4. Livelihood

3.) It is the means by which a person or household secures the necessities of life. It also involves activities, resources, or strategies people use to meet their daily needs and improve their quality of life.

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Livelihood System
2. Livelihood
3. Livelihood Assets
4. Livelihood Pentagon

4.) It refers to the capabilities, skills, knowledge, and resources of household members that they can use to create activities or opportunities to earn a living and improve their lives.

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Net income
2. Expenses
3. Revenue
4. Production cost

5.) It includes all costs that have to be made each time the estimated output volume is produced.

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Livelihood Pentagon
2. Livelihood Education
3. Livelihood Diversification
4. Livelihood Assets

6.) Mang Nardo plants only rice on his farm all year round. Last month, a strong typhoon destroyed his crops, and now he has no other income source. Which strategy could have helped him lessen the risk of losing his livelihood?

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Planning
2. Social Gathering
3. SWOT Analysis
4. Business

7.) ________ is thinking through, and then working out in detail, what you intend to do in a future period of time and how you expect to get there.

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. You or your livelihood are exposed to it
2. You have strong savings and alternative income source
3. There is a hazard
4. You are vulnerable

8.) A risk happens when all of these are present at the same time, except:

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Gender Capital
2. Natural Capital
3. Physical Capital
4. Human Capital

9.) Aling Rosa wants to start a small food business. She already has the skills and a small capital but doesn’t have a place to sell. What asset from her community could help her the most in this situation?

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Business Plan
2. Ledger
3. Gabay workbook
4. SWOT Analysis

10.) It is a comprehensive document which describes clearly the goals or objectives of the enterprise and it helps determine whether the enterprise is feasible and realistic before investing time and resources.

Instruction: Choose the letter that corresponds to the correct answer

1. Social Capital
2. SWOT Analysis
3. Physical Capital
4. Business Plan

1.) It is a simple tool that helps a person, household, group or business look at their strengths, weaknesses, opportunities, and threats.

Answer Key

1. Human Capital
2. Financial Capital
3. Physical Capital
4. Natural Capital

2.) This asset includes knowledge and skills gained from formal education, training, life experiences, and traditional knowledge passed down through generations by observation and practice, which was primarily used to improve their livelihood.

Answer Key

1. Business
2. Selling
3. Microenterprise
4. Livelihood

3.) It is the means by which a person or household secures the necessities of life. It also involves activities, resources, or strategies people use to meet their daily needs and improve their quality of life.

Answer Key

1. Livelihood System
2. Livelihood
3. Livelihood Assets
4. Livelihood Pentagon

4.) It refers to the capabilities, skills, knowledge, and resources of household members that they can use to create activities or opportunities to earn a living and improve their lives.

Answer Key

1. Net income
2. Expenses
3. Revenue
4. Production cost

5.) It includes all costs that have to be made each time the estimated output volume is produced.

Answer Key

1. Livelihood Pentagon
2. Livelihood Education
3. Livelihood Diversification
4. Livelihood Assets

6.) Mang Nardo plants only rice on his farm all year round. Last month, a strong typhoon destroyed his crops, and now he has no other income source. Which strategy could have helped him lessen the risk of losing his livelihood?

Answer Key

1. Planning
2. Social Gathering
3. SWOT Analysis
4. Business

7.) ________ is thinking through, and then working out in detail, what you intend to do in a future period of time and how you expect to get there.

Answer Key

Post-test

1. You or your livelihood are exposed to it
2. You have strong savings and alternative income source
3. There is a hazard
4. You are vulnerable

8.) A risk happens when all of these are present at the same time, except:

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Gender Capital
2. Natural Capital
3. Physical Capital
4. Human Capital

9.) Aling Rosa wants to start a small food business. She already has the skills and a small capital but doesn’t have a place to sell. What asset from her community could help her the most in this situation?

Instruction: Choose the letter that corresponds to the correct answer

Post-test

1. Business Plan
2. Ledger
3. Gabay workbook
4. SWOT Analysis

10.) It is a comprehensive document which describes clearly the goals or objectives of the enterprise and it helps determine whether the enterprise is feasible and realistic before investing time and resources.

Instruction: Choose the letter that corresponds to the correct answer

Identify and analyze available livelihood assets, community resources, and potential risks within their environment that influence enterprise opportunities.

Apply SWOT Analysis to assess their current or potential livelihood situations.

Formulate simple, practical strategies to reduce risks and strengthen their livelihood plan.

Develop a simple and realistic business plan that integrates identified strengths, available assets, and viable livelihood strategies.

At the end of the training, the participants will be able to:

Learning Objectives:

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You have successfully accomplished the

Microenterprise Development Training!

Congratulations!

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram

#BawatBuhayMahalagaSaDSWD #SustainableLivelihoodProgram