For loan distributions from August to December 2019, the brand had an allocation of 18 million PHP- an amount that could not be increased. However, the loan applications were for 24 million PHP. The details of the six applicants were as follows: 

• Johnny Mendoza, a person with a disability since birth, wanted to start his own bakery, Big Smile Bread Station, under a franchise agreement with Gardenia Bakeries Philippines Inc. He needed to borrow 1.5 million in philippine pesos for four years to augment his own money for the initial capital investment, which was needed for store construction, franchise fees, and equipment. The interest rate for this loan was 8 per cent. His father, who owned the building in which the bakery was expected to open, had agreed to provide a guarantee as well as collateral in the form of a mortgage on the building. Mendoza was expecting a profitability of around 25 per cent.
• Arnie Reyes was a fruit trader who needed a loan to fund an upgrade on his warehouse and additional working capital. His business turnover in 2018 was 4 million in philippine pesos, with a profitability of 30 per cent. His loan was to be collateralized by a mortgage on his modest warehouse. He needed a loan of 5 million in philippine pesos and expected to pay this loan in three years at an interest rate of 7.5 per cent.
• Information technology professional Joshua Rodriguez wanted to start his own business for website graphics. He had worked as a team leader for Ace Graphics Design for seven years. Already armed with some of his start-up capital, he had requested a loan of 8 million in philippine pesos. Rodriguez was expecting a high turnover of about 1 million in philippine pesos per month, with a profitability of 30 per cent. He was a long-standing MSBP customer and planned to use his condo in Davao City as bank collateral. As of June 2019, his condo was valued at about 16 million in philippine pesos. Although Rodriguez planned to start repaying the principal within 12 months, he felt that he needed three years to pay down the loan completely at an interest rate of 7.5 per cent.
• Lorena Obias was a war widow. Her husband, an army officer, had been killed in the Marawi conflict in 2017. A renowned social worker in Davao City, Obias owned a vocational training school for impoverished girls and wanted to improve her existing facilities and expand academic offerings. The profitability of her school was about 25 percent. She wanted to offer six-month diploma courses in knitting, teacher training, home science, garment designing, jewelry designing, and computer applications. She expects about 300 students to enroll in this course. The planned fees were 7,500 in Philippine pesos per student per course. Obias also expected sponsorships (about 1 million philippine pesos) from some big corporate houses. She had requested a loan of 3 million Philippine pesos for four years. Obias had agreed to provide the title to the land and the school building as collateral. The interest rate for the loan was 7.5 percent.
• Chris Remolador, a long-standing MSBP customer with a clothing store in the Gaisano Mall of Davao, wanted to expand his retail business by obtaining the shop adjacent to his own and selling additional profitability of about 20 per cent. He expected that the booming retail business in Davao City would lend itself well to the growth of his own business. A mortgage on his home would collateralize his loan. He was ready to pay an interest rate of 7.5 percent on this three-year loan.
• Donna Tutor wanted to start a nail salon. Her wealthy parents, who owned a chain of hair salons, had sent her to the Paul Mitchell School Nail Academy. With her parents' support and guarantee, Tutor wanted to start her nail salon in Abreeza Mall, located in the Abreeza Ayala Business Park. This would be the only nail salon in the popular mall. An average nail salon in Davao City Mall had an annual turnover of about 1.5 million Philippine pesos with a profitability of 25 percent. Donna had requested a loan of 1.5 million in Philippine pesos at an interest rate of 8 percent for four years, collateralized by a mortgage on her father's modest office building. CASA is based on the five Cs of credit evaluation.

1. Create a chart for the Cs for each customer to help you determine which ones are the best risks. and how much you should loan to each one.
2. Do a proposed loan amount per customer how much requested, how much loaned, and why. Three columns for this chart.