How JuanHand champions building credit confidence through people
For many Filipinos, the word “utang” carries both promise and risk. It can open doors to education, small businesses, or daily needs, but it also raises fears of scams, abusive rates, and debt traps. TransUnion’s 2025 Credit Perception Index gave the Philippines a score of 73 out of 100, showing that while caution remains, Filipinos are slowly gaining trust in credit.
This growing confidence is not only because of digital platforms, but also because of the people behind them. At JuanHand, employees work to ensure borrowers feel secure, respected, and informed in every step of their journey.
Addressing Trust Through People
Maria Terrado, Collection Assistant Manager, has spent six years guiding borrowers through challenges while advancing her own career. For her, collections is not just about payments. It is about fairness, respect, and compliance. She finds fulfillment in helping clients avoid abusive loan sharks and access safer credit options.
Clear Communication Matters
Filipinos are now more financially aware, but TransUnion’s report shows a decline in receptivity to credit-related messages. Senior Brand Expert Mark Baetiong sees his role as bridging this gap. By prioritizing clear and relatable campaigns, he makes borrowing conversations more accessible. His own perspective shifted since joining JuanHand, realizing that loans, when used responsibly, can empower lives rather than burden them.
Protecting Borrowers at the System Level
Trust is also built through safeguards. Business Support Manager Jeffry Pascua started with the goal of seeking opportunities but ended up shaping JuanHand’s quality assurance standards. For him, consistency and vigilance are non-negotiable. The systems he enforces protect clients and strengthen financial literacy, ensuring services remain secure and reliable.
People Driving Financial Inclusion
Filipinos’ trust in credit grows when fairness, security, and transparency are in place. Maria, Mark, and Jeffry embody JuanHand’s belief in “Every Juan”: Filipinos helping Filipinos build financial confidence. Their work highlights how human values, not just technology, drive safer and more inclusive credit solutions.
