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On any accustomed afternoon, applicant barter or buyers aboard a agent would bead by the assembly ability of Erwin and Lanie’s Fishball in Paombong, Bulacan. They would buy bristles to 10 or added kilos of fishballs. Owner Erwin Ramos would appear to them personally, sometimes alike agreeable them in for a chat.



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He would amuse barter with the adventure of how he started the business with his wife Lanie in 2011. It was his father-in-law’s recipe, he says, which they awash at a fishball angle in San Jose.

With actual bound capital, they would alone aftermath three or bristles kilos of fishballs at a time. Erwin would again biking to adjacent towns in Bulacan, as able-bodied as to Pampanga and Metro Manila to action their products.



Today, Ramos has article new to add to his story: In 2018, he was alleged Microentrepreneur of the Year in the Citi Microentrepreneurship Awards (CMA).



The CMA, now on its 16th year of acquainted outstanding microentrepreneurs beyond the Philippines, is a signature action of the Citi Foundation aimed at breeding bread-and-butter opportunities for low-income people, including youth, about the globe.

The awards affairs provides entrepreneurs with assets to strengthen their business, including admission to networks, capital, tools, and training; and enables individuals to actualize bread-and-butter sustainability for themselves, their families and their communities.

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The CMA affairs highlights the accumulated efforts of the Bangko Sentral ng Pilipinas (BSP), Citi Philippines, and the Microfinance Council of the Philippines Inc. to strengthen microfinance and action development, and banking admittance in the country.

An antecedent accommodation of P5,000 from UPLIFT Philippines Inc. helped Ramos jumpstart his business.

He uses a blazon of angle alleged bidbid, advised a damaging annoyance in bangus fishponds. Being the able entrepreneur, Ramos makes abiding that no allotment of the bidbid goes to waste.

Aside from authoritative fishballs, he additionally produces broiled angle and angle chicharon. The belly are acclimated in prawn farms as feeds.

Barely a decade afterwards starting his business, Ramos has accomplished what he anticipation was about impossible. His processing ability is now absolutely able with manpower and accouterment to abutment the assembly of added than 2,000 kilos of fishballs daily.

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He has one retail abundance in Paombong, but best of his assembly aggregate is allocated for beforehand orders. He continues to bear his articles alone to customers.

“Hindi na kami umuutang ng 5-6, nakakapag-save na kami. Napapag-aral na po namin ang mga anak namin sa sikat na school. Ang mga tauhan ko, nabibigyan ng trabaho (We no best accept to about-face to breezy lending, and we are now able to save. Our accouchement go to clandestine schools. Our workers are accustomed abiding employment),” Ramos shares.

The absolute appulse of his business on the association is additionally evident: bangus farms are no best bedeviled by bidbid, and what was already advised a annoyance has become advantageous and profitable.

Using his banknote prize, Ramos hopes to booty his business to the abutting level. He wants to go into affable oil assembly to abutment his own requirements, and body a ample freezer accumulator ability powered by solar panels.

With a growing business, and their fifth adolescent on the way, Ramos and his wife abide abiding in their faith. Quoting the curve from one of his admired songs, he says, “Find joy in the Lord and you will accomplish aggregate you anytime hoped for.”

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As CMA Microentrepreneur of the Year, Ramos accustomed P200,000 in banknote as able-bodied as a laptop,  activity and bloom allowance advantage for one year.

He additionally got admission to grassroots entrepreneurship administration and basal IT training at the Citi Microenterprise Development Center, addition Citi Foundation affairs in affiliation with Bayan Academy.

He was additionally feted during a celebratory boondocks anteroom in Bulacan.

Ramos and eight added winners were called by a National Selection Board co-chaired by the backward BSP Governor Nestor Espenilla Jr., and Citi Philippines CEO Aftab Ahmed.

The board associates are: Jose Ma. Concepcion III, admiral and CEO, RFM Corp.; Teresita Sy-Coson, carnality chairperson, SM Investments Corp.; Atty. Felipe Gozon, administrator and CEO, GMA Network, Inc.; Trade and Industry Secretary Ramon Lopez; Mary Ann Montemayor, Mindanao Clandestine Sector representative, National MSME Development Council; Imelda Nicolas, president, Samahan ng mga Pilipina para sa Reporma at Kaunlaran; Marixi Rufino-Prieto, above chair, the Philippine Circadian Inquirer; Dr. Michael Tan, chancellor, University of the Philippines Diliman; Orlando Vea, president, Voyager Innovations Inc.; and Fernando Zobel de Ayala, president, Ayala Corp.

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