![]() ![]() Two-stories to country chic, our simple house plans include most architectural styles and tastes. We have an extensive collection of plans for those in the market for a simple home design. Simple floor plans also make a great starter home, and when you build from scratch you can build in some of the elements you need and want to personalize the space. Still, others will opt for simple house plans to serve as a secondary residence or a vacation home. Others choose these when they downsize during Some choose these to be their primary residence, spending less on the size of their home so they can invest more in the quality of the lifestyle they create inside. Simple home plans work perfectly for many homeowners. We offer a number of simple house plans that have all the features and modern amenities you need and want, and with a simplified design that meets your budget and tastes. Gardner Architects, we understand that sometimes, you just want a simple and cozy place to call home. Let’s hope that 2023 will bring our dream “to stand by the side of the poor” to reality.Building your own home does not necessarily mean you need something extravagant. To me, it should be fine, as long as we make some contributions to the improvement of the quality of life for our clients and at the same time the Foundation makes some surplus for our continuous growth or for more development undertaking. ![]() For that one reason alone, the income statement will not reflect a ₱5.9 billion surplus in the year 2023, perhaps only ₱3.5 billion or so. Therefore, the year 2023 will be our test case on how the balance sheet will look after such a significant reduction. ![]() But the Board mandated us to bring it down further, perhaps to 30% if possible. This year, the special financing program will comprise 10% of the total loan, to ensure that we are continuously subsidizing our clients’ recovery efforts.Īs we are doing better and better by the grace of Almighty God, one topic is always common in our Board discussions - How do we bring down the rate of borrowing for our clients? By the end of 2022, the effective lending rate to clients was brought down to 34.9% (including the subsidy and CCS). Eventually, MalASAkit became the buzzword in our entire system, and it brought all clients together to fight a calamity whether it is a pandemic or a typhoon. Last year we gave over ₱7.0 billion through MalASAkit or Qard Hassan financing. However, in the recovery effort for the clients, we learned the wisdom of MalASAkit financing, a financing with zero cost for the clients. The struggle on how to help our clients more as they strive to recover their businesses continues. By the end of 2021, ASA Philippines Foundation managed to turn around its financials. “Nanays, you are truly the owners of this company.”ĭuring the years 20, we struggled to recover our losses. So, the success of ASA Philippines is the success of the clients. My heartfelt thanks to our clients, as they have given their trust and confidence to this great institution and allowed us to serve them. In the name of God, the most gracious and the most merciful!īefore I write my message, I thought to send my gratitude to all our heroes, the MFOs, and the rest of the staff giving everything of their hearts, extraordinary dedication, and full-fledged commitment that resulted in an unprecedented performance in our history! ₱5.9 billion in net surplus is unbelievably amazing! Congratulations to everyone including our Board for their never-ending support and prayers. ![]()
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