Christmas Promo                   2 in 1 Training Course

I & J Business Management Consulting (I&JBMC) is giving out a Promo Rate of 50% for the two (2) trainings, “Gold and Diamond Appraisal.”

Invite 1 or more of your friends and avail the Promo Rate. Bring friends who would like to learn about the course and get the benefit of getting ideas on how you can do business out of learning. 

When: Dec. 16, 2017 to Dec. 17, 2017

Time: 9:00AM to 5:00PM

Venue: Unit 119 Oxford Mansion Cityland Evangista St., Santolan Pasig City



Topics to be discuss about:

Gold Appraising and Evaluating Techniques

– Proper techniques for utilization of the tools & equipment.

– Distinguishing the different karat fineness in gold

– Theory and procedure in testing gold

– Procedure in appraising gold

– Computation of gold price per gram per karat (loan and market value)

Diamond Appraising and Evaluating Techniques

– Proper techniques for utilization of the tools and equipment

The 4 C’s of a diamond

– Parts of a round cut diamond

– Procedures in testing diamond

– Procedures in appraising diamond

– Advance training on how to properly calculate approximate values of diamonds.

For more details contact us at:




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


BSP Tightens Pawnshop Regulations

MANILA, Philippines – The Bangko Sentral ng Pilipinas (BSP) has tightened the rules governing pawnshops as the industry plays an important role in building a more inclusive financial system and protecting the welfare of financial consumers.

The central bank’s Monetary Board has approved a new supervisory framework governing pawnshops as part of a series of reforms instituted by the BSP to promote a more responsive regulatory environment for the industry and other non-bank financial institutions.

Under the new rules, the BSP shall put high regard on the fitness and propriety of the pawnshop operators, including its incorporators, directors, partners and officers, by focusing on their integrity, market reputation, competence and financial capacity. 

The new rules also require the pawnshop operators to adopt the applicable BSP Regulations on Financial Consumer Protection mandating the disclosure of the effective interest rate of the loan, including the charges on the transaction to their customers.

Pawnshops are also mandated to inform the customers about the policy on insurance of pawned items, maturity date and grace period in cases when the customer failed to redeem the loan.

The new framework requires the adoption of the network-based approach wherein pawnshop operators are only required to submit a notification to the BSP for the establishment and operation of pawnshop offices instead of the usual approval from the BSP prior to its operation.  

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Auctioneering Services

Monthly duties at GRJ Jaro Pawnshop

Certificate of Recognition From Citystate Savings Bank Inc.

Received a Certificate of Recognition from the Citystate Savings Bank… Given this date, Sept. 3, 2017. 

To the Senior Manager / Head of the Jewelry Loans Department, Ms. Zenaida L. Caga-anan and Ms. Rochelle S. Jinayon of the Human Resource Department – Citystate Savings Bank Inc., I thank you so much for the Trust and Confidence you have had at I & J Business Management Consulting. We look forward to a more fruitful business relationship with your company.

Citystate Savings Bank training on Gold and Diamond Appraisal

And they successfully graduated and finished  training

 on Gold and Diamond Appraisal …


Citystate Savings Bank – Jewelry Loans Department

Auctioneering Services


Presidential Decree No. 114, also known as the “Pawnshop Regulation Act,” sets forth a series of regulations for a pawnshop auction. These regulations are in Section 15, which is titled “Public auction of pawned articles.” Among the regulations is one that requires all pawnshop auctions to be “…under the control and direction of an auctioneer with license duly issued by the corresponding authorities…”  In other words an auction sale must be conducted by an Auctioneer. Set of books are required by the BSP called ” AUCTION SALE REGISTERED BOOK ” to which must be certified and signed after the sale.  

I & J Business Management Consulting offers  Auction Services to pawnbrokers conducting auctions at the most competitive price in the Philippines.                               

Auctioneer’s fee is from P250 – up per book per pawnshop branch (books to certify) depends on the number of branches.

If you are having trouble with pawnshop auction compliance at a reasonable price – contact I & J Business Management Consulting for help.

Office is located at Unit 119 G/F Oxford Mansion Cityland Evangelista St. Santolan Pasig City.

Contact nos.: 

Landline: (02)576-53-47

Mobile/Viber: 09985630554


I & J Business Management Consulting Living Testimonies

JPX Pawnshop, Inc.

Rural Bank of Isabela

All the way from France

Pazalonia Pawnshop, Inc.

Staffs of BHF Pawnshop

Aclao Pawnshop

Christine Grace Pawnshop


Pahiyas Pawnshop

All the way from Germany and Canada

Rural Bank of luisiana

Rural Bank of Zamboanga del Norte

Maria Gracia Pawnshop, Inc.

Entrpreneurs from Davao City
Rural Bank of Pozorrubio

2Entrepreneur from Isabela

Sungate Pawnshop in Zamboanga City

Tambubting Pawnshop

Entrepreneurs from Samar

ACME Pawnshop

Entrepreneurs from Thailand

JPA Pawnshop