Pinoy Entrepreneurs

Pandesal is the most popular yeast-raised bread in the Philippines. Individual loaves are shaped like garrison caps due to its unique method of forming. The dough is rolled into long logs (baston) that are rolled in fine bread crumbs before being cut into individual portions with a dull dough cutter and then allowed to rise and baked on sheet pans.

This recipe is from the Philippines. It makes the best rolls ever! They are wonderful fresh from the oven, with a little butter or some jam.

Ingredients:

2 cups all purpose flour

2 cups bread flour

½ cup white sugar

5 tbsp butter, melted

1 tsp baking powder

1¼ cup fresh milk, warm

1 pouch rapid rise yeast

1 tsp salt

1 cup bread crumbs

1 piece raw egg

1 tbsp cooking oil

Cooking procedure:

1. Combine the yeast, sugar, and warm milk and stir until the yeast and sugar are fully disolved

2. In the mixing bowl, combine the dry ingrdients starting with the flour then the sugar, salt, and baking powder . Mix well by stirring

3. Add the egg, butter, cooking oil, and yeast-sugar-milk mixture in the mixing bowl with the dry ingredients then mix again until a dough is formed. Use your clean hands to effectively mix the ingredients.

4. In a flat surface, knead the dough until the texture becomes fine.

5. Mold the dough until shape becomes round then put back in the mixing bowl. Cover the mixing bowl with damp cloth and let the dough rise for at least 1 hour

6. Put the dough back to the flat surface and divide into 4 equal parts using a dough slicer

7. Roll each part until it forms a cylindrical shape

8. Slice the cylindrical dough diagonally (These slices will be the individual pieces of the pandesal)

9. Roll the sliced dough over the breadcrumbs and place in a baking tray with wax paper (makes sure to provide gaps between doughs as this will rise later on)

10. Leave the sliced dough with breadcrumbs in the tray for another 10 to 15 minutes to rise

11. Pre heat the oven at 375 degrees fahrenheit for 10 minutes

12. Put the tray with dough in the oven and bake for 15 minutes

13. Turn off the oven and remove the freshly baked pandesal.

14. Serve hot. Share and enjoy!

Source: Panlasangpinoy.com
Photo Credit: mcrjordillas

All the great tastes of sushi are combined into this appetizing salad.

Authentic sushi rolls are tricky to make, but you can enjoy similar flavors in this appetizer, a simple presentation of rice on greens. Use soft lettuce in place of spinach if you prefer.

Serves: 4

* 1 cup rice
* 1/4 teaspoon salt
* 1/4 cup rice vinegar
* 2 tablespoons each lower-sodium soy sauce and lime juice
* 4 teaspoons sugar
* 1 carrot, cut into 1/4-inch dice
* 2 small avocados, cut into 1/4-inch dice
* 24 small spinach leaves

Prep time: 20 minutes

Cooking time: 20 minutes

1. In a medium saucepan, bring 2 cups of water to a boil. Add the rice and salt, cover and simmer for 17 minutes or until tender.

2. Meanwhile, in a small saucepan, bring the vinegar, soy sauce, lime juice and sugar to a boil. Remove from the heat. Stir into the cooked rice. Transfer the seasoned rice to a bowl and let cool to room temperature.

3. Stir the carrot and avocados into the rice. Dividing evenly, spoon the mixture into four 8-ounce ramekins or bowls and gently but firmly press down. Arrange the spinach on serving plates and invert the molded rice salads onto the spinach.

Per serving:

* Calories 322
* fiber 3 g
* protein 6 g
* total fat 12 g
* saturated fat 2 g
* cholesterol 0 mg
* sodium 473 mg

Source: Readers Digest
Photo Credit: Readers Digest

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Heavily-indebted state grains agency National Food Authority (NFA) raised P9 billion through the sale of 10-year Treasury bonds (T-bond) in an auction yesterday and will use a tap facility to secure another P1.5 billion more from the same debt paper.

“We will request for the opening of the tap window for another P1.5 billion,” NFA assistant administrator for finance and administration Celia Tan said.

Banks’ offers for the float totalled P10.43 billion with the awarded debt papers bearing a coupon rate of 6.375 percent.

The NFA will seek a total of P27 billion this year to cover losses mostly from subsidy schemes on rice prices that could reach P30 billion.

The NFA said it would need P16.5 billion more outside the float that could be raised through the sale of more debt papers or through direct loans.

Average rate of the debt paper stood at 5.96 percent, lower than the 5.42 percent of the benchmark five-year PDST-F, which is defined by the Philippine Dealing and Exchange Corp. (PDEX) as the “average of the best 60 percent of firm bid rates posted by market-making banks for 12 tenors at 11:16 a.m. daily.”

Tan told reporters after the auction that proceeds of the bond sale will be used for their operational requirement as well as prepayment of loans.

She said the pricing was “very good” and the appetite was high after total bids reached P10.4 billion against their initial target of P5 billion.

The NFA hopes to raise another P1.5 billion from the tap window either tomorrow or Thursday for government securities eligible dealers (GSEDs).

“We will refresh the opening of the tap window for us to get another P1.5 billion,” she said.

Tan said they have other options like bilateral loans to get funds but they prefer selling debt paper.

“The rate is good (so we want to maximize this),” she said.

Source: TheDailyTribune
Photo Credit: John Javellana

Healthy fruit juice and fruit shake business would be a good choice for anyone who are looking for business to start with a low capital. With the increasing demand for a healthy food choice, diets and losing weight is creating more opportunities for young entrepreneurs to go into business, and one of the least expensive but potentially lucrative ventures to start is selling fresh fruit juices and shakes.

I. INVESTMENT REQUIREMENTS
a. Utensils:
* 1 pc Fruit slicer 6″ (stainless steel)
* 1 pc Can opener
* 1 set Measuring spoon (plastic)
* 1 pc Measuring cup (plastic)
* 1 pc Chopping board (anti-bacterial)
* 3 pcs Plastic bowl 26″
* 1 pc Spatula

b. Equipment:
* 2 units Blender (unbreakable, 350W)
* 1 unit Kitchen scale (0-1 kg)
* 1 unit Styrofoam cooler/ice chest (12×18×24)
* 1 unit Refrigerator (3 cu.ft. personal size)

c. Raw Materials:
* 1/3 cup or 40 gms. Ripe mangoes or any fruits
* 1/8 cup Evaporated milk
* 1 tbsp. Granulated sugar
* 3/4 ice cubes

Other flavors and varieties:
* 1/3 cup or 40 gms. Melon
* 1/3 cup or 40 gms. Avocado
* 1/3 cup or 40 gms. Strawberry

d. Packaging:
* 1 pc Plastic glass (12 oz.)
* 1 pc Straw

II. PROCEDURES

1. Choose fresh ripe fruits.
2. Peel and remove seeds (when needed) slice fruits into smaller pieces.Remove seeds.
3. Weigh or measure 40 gms. or 1/3 cup fruit and put in blender. Add milk and sugar.
4. Fasten lid of blender and press start button. Use high speed for about 20-30 seconds.
5. Stop the blender and check to see if the ingredients are well blended. Sometimes fruits will jam under the blade. If there is a jammed fruit, use a spatula to unjam then blend again.
6. Once the mixture is evenly blended, slowly add 3/4 cup ice until blender sounds smooth.
7. Pour in 12 oz. plastic glass and serve with straw.

Note: You can mix 2 kinds of fruits together, adjust measurement of each fruit to 1/4 cup.

III. SAMPLE COSTING AND PRICING

a. Product Costing (ex. mango shake)

Direct cost:
* Ingredients used for 1 oz. glass – 5.05
* Packaging – 1.55

Indirect cost:
* Labor cost (330.00/day/50 glasses produced) – 6.60
* Transportation (15.00/50 glasses) – 0.28
* Water and electricity (735.00/30 days per 50 glasses) – 0.51
* Contingency (10% direct cost) – 0.66

b. Production cost:
* Total direct cost – 6.60
* Add: Total indirect cost – 8.05

c. Product Pricing:
* Production cost per glass – 14.65
* Add: 25% mark-up of the production cost – 3.66

Selling price per glass – P 18.31
Market price per glass – P25.00 – 30.00

The higher the volume of production per day (i.e., more than 50 glasses) the lower the production cost, thus increasing the mark up to more than 20%.

IV. SELLING TIPS
1. Never stock too many fruits since you want them always fresh
2. The best way to preserve fruits is to freeze them at temperatures below 10 degrees
3. Tie up with gyms, corporate buildings, and call center companies whose employees need health drinks the most or try to set up in a mall or within campuses and private school attended by your target customers.

REGISTRATION REQUIREMENT
Business Name Registration
Visit Department of Trade & Industry (DTI)
Provincial Office where the business is located or log on to www.bnrs.dti.gov.ph

Mayor’s Permit
Resident Certificate & Sanitary Permit from the local municipality where the business is located

Tax Identification Number (TIN)
Bureau of Internal Revenue (BIR) National
Office, Agham Road, Diliman, Quezon City
Trunkline: (632) 981.7000 / 981.8888
Email: contact_us@cctr.bir.gov.ph
Website: www.bir.gov.ph

FINANCIAL INSTITUTIONS
SSS Special Financing Program
Social Security System (SSS)
Loans and Investment Office
SSS Building, East Avenue, Diliman, Quezon City
Tel. Nos.: (632)920.6401 / 920.6446
Email: member_relations@sss.gov.ph
Website: www.sss.gov.ph

Small & Medium Enterprise Credit Phil. Business for Social Progress
18th Flr., Phil. Social Dev’t. Center,
Magallanes cor. Real St. Intramuros, Manila
Tel. Nos. (632)527.7741 to 51 or 527.3751
Fax No. (632)527.3743
Email: pbsp@pbsp.org.ph or smec@pbsp.org.ph
Website: www.pbdp.org.ph

People’s Credit Finance Corporation
395 Sen. Gil Puyat Ave. Makati City
Tel. Nos. (632) 897.8549 / 897.5822
Fax No. (632) 897.8523 / 897.8528
Email: info@pcfc.ph
Website: www.pcfc.gov.ph

TRAINING FACILITIES
DTI-Cottage Industry Technology Center (CITC)
20 Russet St., SSS Village, Makati City
Tel. Nos.: (632) 942.0880 / 942.3974
Email: citc_dti@yahoo.com

Technology Resource Center (TRC)
TLRC Building, 103 J. Abad Santos cor. Lopez Jaena Sts., Little Baguio, San Juan, Metro Manila
Tel. Nos.: (632) 727.6205
Website: www.tlrc.gov.ph

Technical Education and Skills Development Authority for Women Center (TESDA-WC)
37 East Services Rd. South Superhighway, Taguig City
Telefax. Nos.: (632) 818.8062
Trunkline: (632) 814.4076 loc. 278
Email: tesdawomen@yahoo.com
Website: http://twc.tesda.gov.ph

Source: dti.gov.ph

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One of the easiest home business to start is a Pot Holder Business. In this guide, you will know how to create your own pot holder that you can sell for a profit. Why this business can become successful and how much a pot holder business can profit.

A pot holder is an easy craft project that can be completed in one afternoon.Most of your capital will go towards buying fabric, as most of the equipment is found in the usual household sewing kits.

Why this will click

People usual don’t think of pot holders until the time comes when they need one! But while these items are basic household necessities, you won’t encounter much competition when it comes to hand-made pot holders. Simply focus on making attractive, quality pot holders that will stand out in the marketplace.

How To Make the Pot Holder

1. Cut your fabric – 7 inches by 7 inches for the front section and 8 inches by 8 inches for the back.
2. Layer the fabric together – with the back piece wrong side up, your padding material on top of that, and finally, the front piece right side up. Carefully, pin the three pieces together.
3. Sew the three pieces together. “Quilt” the stacked layers together, sewing parallel rows of straight stitching about 1 inch apart across the square. Turn the square 90 degrees and stitch parallel rows again at right angles to the first lines of stitching, forming an allover quilted square pattern. Or, if desired, stitch diagonally to make quilted diamond shapes.
4. Once the square is quilted, trim the edges as necessary, using a ruler and a pencil to form an even square. Or, for a round potholder, center an 8-inch plate on the quilted square and trace around it, carefully cutting of the marked corners.
5. Finish the edges of the potholder with pre-folded bias tape. Starting at a corner, place the slightly wider side of the bias tape along the bottom edge of the pot holder, and fold the narrower side over the raw edges of the fabric.
6. Be careful easing the tape around the corners of the pot holder, making sure not to over stretch the tape around corners or curves. Pin the tape into place as you go. At the end of the pot holder, leave 2.5 inches of extra tape.
7. Beginning at the starting corner of the tape, stitch carefully over the thick-side of the tape, as close to the inside edge as possible. At the end of the pot holder, use the extra 2.5 inches to make a loop for hanging the holder. Continue stitching all along the extra tape, and then double the tape back and stitch its end to the edge of the potholder a few times for durability. The loop should lie at the corner of the pot holder.

How Much Will I Make:

One yard of fabric yields about three potholders. You may sell each for P200 to P250, even higher for highly customize designs which you can sell to cooking schools or at neighborhood markets.

Materials needed:

* Tape
* Ruler
* Pencil
* Scissors
* Needle
* Straight pins
* Fabric, P60 to P80 per yard
* Cloth scraps to use as padding, such as old towels or blankets
* Thread
* Pre-folded bias tape, P16 per pack