I & J Business Management Consulting Profile

I & J Business Management Consulting

Unit 119 Oxford Mansion Cityland Condominium, Evangelista St. Santolan Pasig City

Contact nos.: 09065118875
Smart : 09985630554
Viber: 09065119875
Landline: (02) 576-53-47

Email  :  maisabel.mimpss.mendoza@gmail.com


Ma.Isabel Salvador Mendoza  –  

Pawnshop Consultant/Auctioneer/Coach

M.I.M Pawnshop Skills and Services (MIMPSS) were formed in 2004 and is a sole proprietorship that is owned and managed by Ms. Isabel S. Mendoza.

We provide multiple levels of training and support that are all pawn specific and apply specifically to high-level operations of pawnshops.

Isabel Mendoza has a degree in Accountancy from Jose Rizal College and hasacquired the knowledge, skills and experience of running and operating pawnshops under the tutelage of her father – Mr. Domingo R. Salvador , Sr.

Mr. Salvador was one of the Gemology pioneers in the Philippines. From the early 70’s Ms. Mendoza has continually improved and developed her skills and expertise in pawnshop operations, business management, gold and diamond appraisals and other fields relevant to the day to day operations of the pawn business. Ms. Mendoza is a licensed auctioneer and pawnshop consultant and desires to share her knowledge and skills to all interested parties to inform and improve the industry throughout the world today and make us all more competitive and aggressive.




Sense of Responsibility

–        Precision and Accuracy

–        Trust and confidence


To  equip entrepreneurs  in  the  pawnshop  Industry  with  the  necessary  tools,skills and  expertise to improve their probabilities of success with returns on their investments!

Training Seminars Attended

Pawnshop Operation  –  D.R.Salvador Jewelry Appraising Center (1980)/strong
Jewelry Appraising on Gold & Diamond  –  D.R.Salvador Jewelry Appraising Center (1980 )
Licensure Auctioneer  –  D.R.Salvador Jewelry Appraising Center (1982 )
Chamber of Pawnbrokers of the Philippines ( 1985 )
Money Laundering Act Law   –  Bangko Sentral ng Pilipinas (2009)
Pawnshop Regulations Briefing (Updated)
Western Union  –  DA5 group  ( 2009 )

Training Programs

We have a comprehensive training program that covers the following aspects of pawn operations

Pawnshop Operations – Day to day operational training systems and techniques

In our pawnshop operational course we will instruct on how to register and apply for your new pawnshop license and other required by the BSP our governing agency along with the complete guidelines and checklist of requirements you will have to have to apply for your license(s). This comprehensive course all covers all of the rules and regulations and the legal aspects of obtaining and retaining your licenses to conduct business in the Philippines.

Our comprehensive operational systems training includes developing and setting up your own operational system (SOP), the associated security measures which is very important to maintain the integrity in the operations and personnel, strategies as to interest rates or pawn convenience fees that we can charge, loan to value ratios for goods presented as well as strategies on how to sell foreclosed items or forfeited items from your client base.

We will assist on how to develop your appraising areas and general setups and configurations for your stores as well. Proper record keeping and or bookkeeping is also an area that will be covered in our general management training programs. We provide comprehensive training in these areas as the BSP or our regulatory agency requires that all pawnshop keep detailed records that includes up to 6 sets of books of client accounts and activity and all daily transactions. This is one of the most important aspects of what we train on and is comprised of more than 30 years of our active experiences owning, running and operating pawnshops in the Philippines.

Here are the topics to be discuss about:

BSP registration requirements for new pawnshops

BSP rules and regulations

Legal aspects

Standard operating procedures ( SOP )




Pawnshop Management Training  – high level managerial training programs for the ongoing day to day aspects of operating stores

In the comprehensive pawnshop management course, we will discuss all aspects about the contract processes for the staff and appraisers, vault personnel, cashiers as well as trainees. Proper implementations of pawnshop policies are also important to maintain the integrity of your growing pawn business as well. Comprehensive monitoring and control systems on the part of employees, proper techniques to keep the books of records or accounts up to date of your outstanding loans, physical inventory, cash flow and much more.

Increasingly in our environment today, internal theft and mal-practice is very rampant in our industry usually due to lack of skills in how to properly manage, account for and audit stores, transactions and personnel.

Here are the topics to discuss about:

Strategic measures

Pawnshop policies

Mal practices

Audit & Inventory procedures


Physical Inventory

System on auction sale

Accounting system

Gold Appraising and Evaluating techniques – programs include all aspects of properly identifying gold content and purity as well as how to evaluate goods presented to lend, purchase or resell the goods

Here are the topics to be discuss about:

Proper techniques for utilization of the Tools & equipment

Distinguishing the different KARAT fineness in gold

Procedure in testing gold

Procedure in appraising gold

Computation of gold price per karat per gram (loan value/selling price)

Diamond Appraising and Evaluating Techniques – programs which would include all aspects of properly testing, describing and evaluating diamonds for lending, selling or reselling in our market places

Here are the topics to be discuss about:

Proper techniques for utilization of the Tools & equipment

The 4 C’s of a diamond

Parts of a round cut diamond

Procedure in testing diamond

Procedure in appraising diamond

Advance training on how to properly calculate approximate values of diamonds

(loan value/market value)

General Merchandise Evaluation Techniques – programs that will describe proper techniques to test and evaluate a wide range of consumer electronics and other types of products that are widely accepted in our operations today globally.

Testing the following Consumer goods such as laptops, cell phones, PSP,
Ipads/Ipods, Digital Cameras and more.

Testing and evaluating gadgets if clone or genuine.

In our industry properly appraising and qualifying of goods and customers is extremely critical. Training is an absolute must. MIMPSS will instruct and teach every aspect of testing gold and diamond jewelry and a wide range of consumer electronics and more.11391422_812754078832186_4607624465378762590_n11401261_1025487584129084_4339231633400091343_n10639637_1021958414482001_7892215550372111079_n11130279_991876474156862_152043779565498751_n

MIMPSS Mission and Vision statement is “to equip entrepreneurs in the pawnshop industry the necessary equipment, skills and expertise that assist your investments to get better returns.”

L I V I N G    T E S T I M O N I E S

Existing Pawnshops who were trained at us:

1.) Maria Gracia Pawnshop with over 150 branches nationwide

2.) JPA Pawnshop  –  12 branches in Tarlac City

3.) De Leon Pawnshop  – 38 branches Visayas, Mindanao

4.) SMSP Pawnshop   (Calamba Laguna)

5.) JS Pawnshop  –  4 branches in Sucat

6.) Belle Pawnshop   (Roxas City)

7.) Mark Anthony Pawnshop   (Bicol)

8.) LGRS Pawnshop    (Bataan)

9.) Danielle’s Pawnshop   (Taguig)

10.) Rural Bank in Pozorrrubio, Pangasinan

11.) Metro Gold Pawnshop  (Bagumbayan, Quezon City)

12.) Christine Grace Pawnshop and Jewelry   (Iloilo City)

13.) Y&B Pawnshop   (Cebu  City)

14.) Elite Pawnshop  (Metro Walk Pasig)

15.) 24K Pawnshop  (Branches in Tuguegarao, Cagayan City)

16.) Golden Sun Pawnshop in Masbate

17.) Rueve Pawnshop and Jewelry in New Manila

18.) Rural Bank Labason, Inc.  (Zamboanga Del Norte)

19.) Rural Bank  of Luisiana, Laguna

20.) Pawnstar Pawnshop. (San Fernando Pampanga)

21.) PCG Pawnshop  (Evangelsta makati Manila)

22.) First Fort Knox Pawnshop  (Zapote Las Piñas)

23.) REO Pawnshop. (Zapote Las Piñas)

24.) HTR Pawnshop. pamoanga

25.) L & C Pawnshop. (kalibo Aklan)

26.) Divriel Pawnshop  (Bohol)

27.) C4 Pawnshop. ( Digos, Davao)

28.) Sofia Pawnshop. (Isabela)

29.) Zamboanga Del Norte Cooperative Bank, Inc.  (Branches in Zamboanga Del Norte)

30.) Rural Bank of Canlubang, Inc. “Planbank”

31.) Magnetic Pawnshop  (Samar)

32.) Lucban Pahiyas Pawnshop  (Lucban Quezon)

33.) Erus Maerd Pawnshop  (Resorts World)

34.) GPRS Pawnshop  (Marikina)

35.) ACME Pawnshop, Inc.  (Branches in Makati City)

36.) ACME Jewelry, Inc.  (Branches in Makati)

37.) Cantilan Bank, Inc.  (Branches in Surigao Del Norte)

38.) Channel of Gold Pawnshop  (Branches in Pampanga)

39.) Sta Monica Pawnshop  (Branches in Pampanga)

40.) BHF Pawnshop  (Branches in Dagupan, Pangasinan)

41.) CBE Estrada Pawnshop (Branches in Pangasinan)

42.) PATECI Lending Investor (Northern Samar)

43.)  Sawasde Pawnshop (Surigao City)

44.)  GPP Pawnshop (Quezon City)

45.) RL Pawnshop (Antipolo Rizal)

46.) DivineBelle’s Pawnshop (Santiago Isabela)

47.) Gold Mine Pawnshop (Santiago Isabela)

49.) MCKaye Pawnshop (Morong Rizal)

49.) GemWorld Pawnshop and Jewelry (Iloilo City)

50.) Citizens Bank, Nueva Ecija

51.) Rural Bank of Oroquieta

52.) JPT Tambunting Pawnshop (Makati)

53.) Veterans Pawnshop, Inc. (Makati)

54.) Meycauayan Second Rural Bank, Inc. (Meycauayan Bulacan)

55.) Raymond Pawnshop, Inc. (Taguig)

56.) Sun Gate Pawnshop, Inc. (Zamboanga City)

57.) SISBI Pawnshop (Las Pinas)

58.) 700 Pilars Pawnshop (Evangelista Makati)

And a lot more who took courses on gold and diamond and are now engaged in buying and selling of gold jewelry.