A Pawnshop Consultant/Licensed Auctioneer/Coach

Malpractice in the pawnshop industry is rampant now a days. May be due to low monitoring and quality control system of a company.

Temptations like Conivance between employees can definitely be avoided if a company tries to hire an independent auditors. Auditors from the experts to do the auditing services, most especially, in the most sensitive part of a companys’ operational system.

Need Assistance/Consultation ?

Here’s our contact nos.:

Landline: (02)576-53-47

Mobile/Viber: (0998)5630554


Services Offered

– Business Licensure

– Pawnshop Set-up

– Training/Seminar on:

. Jewelry Appraising and Pawnshop Operation and Management

. Gadget Appraisal

.Watch Appraisal

. Enhancement of Employees’ Customer Service Skills

– Jewelry Appraising on gold, diamond, gadget and watches

– Auditing (vault inventory, display inventory and cash flow.

Attention Pawnbrokers !!!

Dear Pawnbrokers,

Please be reminded that you are responsible for updating on the new rules and regulations of the business. If you have no time to read and browse on the BSP website find time to attend briefings on Pawnshop Regulations at least ones a year.

The New Regulation on Re-registration of all existing pawnshops deadline ended last December, 2017 and was extended up to January 28, 2018. And that those who have not been Re-registered yet will be given the chance to have your pawnshop be Re-registered til April of this year otherwise will be Delisted from the BSP. This case would mean, you are running the business ILLEGALLY.

The application, as per your guide, shall be submitted using the prescribed Data Entry Template (DET) or through online procedure.

For those who have not yet complied
Go to http://www.bsp.gov.ph check on MEMORANDUM NO. M- 2017-007.

If you need our assistance, email us at maisabel.mimpss.mendoza@gmail.com or @i.jbusmgtconsulting@gmail.com

or contact us at nos.: (02)576-53-47 / Mobile (0998)5630554 / (0906)5118875



Be Compliant !!!

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