{"id":2964,"date":"2019-02-22T10:45:45","date_gmt":"2019-02-22T10:45:45","guid":{"rendered":"https:\/\/www.rizalmicrobank.com\/?p=2964"},"modified":"2019-02-22T17:33:25","modified_gmt":"2019-02-22T17:33:25","slug":"the-farmers-friend","status":"publish","type":"post","link":"https:\/\/www.rizalmicrobank.com\/index.php\/the-farmers-friend\/","title":{"rendered":"The Farmer\u2019s Friend"},"content":{"rendered":"\r\n
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Johnny Jay Santoninio<\/figcaption><\/figure><\/div>\r\n\r\n\r\n\r\n

\u201cLumaki ang kita ng aking negosyo, dahil ako ay isang RCBC Cash Express Merchant Patner ni RMB.\u201d<\/strong><\/p>\r\n\r\n\r\n\r\n

JOHNNY JAY SANTONINIO<\/p>\r\n\r\n\r\n\r\n

The Owners<\/strong><\/em><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n

Johny Jay Santoninio, 37 years old, is originally from Malaybalay City, Bukidnon, and currently resides at Halapitan, San Fernando, Bukidnon, with his wife, Shella F. Santoninio, 38 years old. Santoninio owns an agri-supply business for 10 years, Saint John Agri Supply, located at Halapitan, San Fernando, Bukidnon. <\/em><\/p>\r\n\r\n\r\n\r\n

Shella, Santoninio\u2019s wife, is\r\na public school teacher at Halapitan Central Elementary School for 15 years.\r\nThe couple is blessed with two wonderful children; Jazrell Jade, 17 years old\r\nand, Jay Justine, 10 years old. <\/em><\/em><\/p>\r\n\r\n\r\n\r\n

The Business<\/strong><\/em><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n

Saint John Agri Supply opened for business in February 2008 with an initial capital of Php 60,000 which Mr. Santoninio borrowed from his sister in law. The business is located at the heart of Halapitan, Bukidnon. Santoninio previously worked as an employee for the local government of San Fernando. When he got laid off from work he decided to venture into rice trading. From there onwards, Santoninio, became a full time businessman and trader, and gradually grew their business. He named the store St. John in reference to Pope John Paul II and which during that time the Catholic Church was transitioning and about to choose a new Pope.<\/em><\/p>\r\n\r\n\r\n\r\n

The store is open from Mondays to Sundays from 7:00 AM to 6:30 PM. Their main clients are residents of San Fernando, Bukidnon, whose main sources of income are piggeries, game fowl breeding, and small scale backyard farming.
<\/em><\/p>\r\n\r\n\r\n\r\n

Santoninio is very hands-on\r\nwith his business. He can be visibly seen attending to his store operations.\r\nHis wife also assists him in record keeping and maintaining their finances.<\/em><\/em><\/p>\r\n\r\n\r\n\r\n

As the business continued to\r\ngrow, Mr. Santoninio acquired Elf and Forward trucks, service units, and CCTV\r\ncameras to ensure efficiency of their overall business operations. Mr.\r\nSantoninio manages the business with seven (7) paid employees.<\/em><\/em><\/p>\r\n\r\n\r\n\r\n

RCBC Cash Express<\/strong><\/em><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n

Mr. Santoninio knows when to\r\nseize an opportunity when he sees it. This was exactly what happened when RCBC\r\nCash Express was presented to him by RMB Valencia Branch Manager Toni Rose Eman\r\nand Business Advisor Sam Villamor back in August 2017. He got hooked with the\r\nunique product feature wherein anyone can withdraw cash without having to go to\r\nan available ATM. This presented a huge income potential for him since the\r\nmunicipality of San Fernando is located 67 km away from Valencia City, worth at\r\nleast an hour\u2019s travel and PhP100 fare back and forth just to get to an\r\navailable ATM machine.<\/em><\/em><\/p>\r\n\r\n\r\n\r\n

His wife would constantly\r\nshare to her coworkers at her elementary school about their available RCBC Cash\r\nExpress service and also during DepEd trainings\/meetings. Because of this,\r\nclients who are teachers, policemen and army personnel started doing\r\ntransactions at his store. An effective marketing strategy which Mr. Santoninio\r\ndid was in doing radio ads which until now is very popular with rural folks.\r\nThe ad aired primarily for his business but the spiel also included inviting\r\npeople to transact thru RCBC Cash Express.<\/em><\/em><\/p>\r\n\r\n\r\n\r\n

On average he would get at\r\nleast 20 RCBC Cash Express clients daily doing cash out transactions of at\r\nleast PhP10,000 or more. He says this somehow contributed to an increase in\r\nfoot traffic for his agri-supply store and a wider spread of new and potential\r\nclients for his business. He narrates that his store is becoming a \u201cone stop\r\nshop\u201d for the customers.<\/em><\/em><\/p>\r\n\r\n\r\n\r\n

Challenges<\/strong><\/em><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n

A continuing struggle for\r\nrural areas is having a stable internet connection which leads to RCBC Cash\r\nExpress transactions intermittently experiencing time outs. Carefully and\r\npatiently explaining to clients why this happened and reassuring them that the\r\namount will be credited back to their account is a challenge, according to Mr.\r\nSantoninio. On a brighter note, he shares that<\/em> <\/em>transacting thru RCBC Cash Express allows you\r\nto have someone to ask for help as compared with individually transacting thru\r\nan ATM and experiencing these transaction errors with no one to assist or\r\nprovide an outright solution.<\/em><\/em><\/p>\r\n\r\n\r\n\r\n

Best Practice<\/strong><\/em><\/strong><\/em><\/p>\r\n\r\n\r\n\r\n

For Mr. Santoninio, having\r\nthe RCBC Cash Express has greatly improved his business. It now becomes hassle\r\nfree for customers to get available cash doing away with an hour\u2019s travel just\r\nto get to an ATM. He says that in the future, a business anchored in technology\r\nwill definitely have an edge as it continues to improve ourselves and the way\r\nwe do businesses. There is a constant need to innovate and to get ahead. He\r\nsays, \u201cKung luma ka, luma din ang iyong negosyo.\u201d So for him if at some point\r\nyou encounter a unique and innovative way of doing something, one should always\r\nask, \u201cWhy shouldn\u2019t we try it?\u201d <\/em><\/em><\/p>\r\n","protected":false},"excerpt":{"rendered":"

\u201cLumaki ang kita ng aking negosyo, dahil ako ay isang RCBC Cash Express Merchant Patner ni RMB.\u201d JOHNNY JAY SANTONINIO The Owners Johny Jay Santoninio, 37 years old, is originally from Malaybalay City, Bukidnon, and currently resides at Halapitan, San Fernando, Bukidnon, with his wife, Shella F. Santoninio, 38 years old. Santoninio owns an agri-supply […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[9],"tags":[],"class_list":["post-2964","post","type-post","status-publish","format-standard","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/2964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/comments?post=2964"}],"version-history":[{"count":3,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/2964\/revisions"}],"predecessor-version":[{"id":2995,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/posts\/2964\/revisions\/2995"}],"wp:attachment":[{"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/media?parent=2964"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/categories?post=2964"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rizalmicrobank.com\/index.php\/wp-json\/wp\/v2\/tags?post=2964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}