Wensilito F. Gomez, the owner of W Gomez Vegetables and Grain Trading in Barangay Kaliwanagan San Jose City, Nueva Ecija dreamt of becoming a pilot. But his parents who are farmers cannot afford to rent an airplane which costs P1,000.00 per hour for his training.

He was already working in Manila as an aircraft maintenance technician in the Philippine Airlines and also in the warehouse of Presto Ice Cream, but his father asked him to return home and help him in their farm. “Pinauwi ako ng tatay ko kasi wala na sya makasama sa pagsasaka. “Mr. Gomez recalls.  “Pinili ko din naman na bumalik sa bukid, yun kasi ang nakikita ko na paraan para makatulong ako sa mga magsasaka.”

Since then, he went back to farming. He ventured into agribusiness wherein he buys the produce of the other farmers in their community and brings them to Manila. Being a farmer, he knows the dilemma of farmers, particularly in marketing their products. “Ang mga katulad kong magsasaka nagiging problema kapag anihan ay yung pagbebentahan ng kanilang produkto,” he narrates. “Tulad ngayon medyo sobra na sa supply ang sili, nahihirapan na yan magbenta. Halos ibigay na lang yung mga produkto. Kaya naiisip ko po na makakatulong ako dahil meron naman po akong konting kaalaman sa pagbebenta ng mga produkto.  Namimili din po ako ng palay, para makatulong sa mga magsasaka para hindi bumagsak masyado ang presyo. Yun po yung inisip ko na maging business.”

“Kahit anong gawin ko. Kahit pumunta ako sa ibang business, dito ako dinadala.” Mr. Gomez recounts.

Farmers in their area do not worry anymore about marketing their products. “Ako na lang ang namimili dito. Ako ang nagnenetwork kung saan ang pupuntahan ng kalakal. He reminds agripreneurs that they should have commitment to their business. “Kung ano ang nasa tabi mo, yun ang pag-aralan mo. Kasarapan sa agribusiness, natutulungan mo ang mga magsasaka. Hindi lang para kumita ka. Itinuturo natin ang natutunan natin na ang pagsasaka ay isang business. Paano ba ang istilo? Pinaliliit ko ang gap ng harvest at planting. May pera ang magsasaka pag umaani. One month before harvest ng sibuyas, tinaniman ko na ng sili.”

Wensilito and Josefina Gomez, who are partners in life are also partners in managing their agribusiness. Josefina also shares the point of view of her husband. “Dahil sa agribusiness, marami kaming natutulungang mga tao. Kasama namin sila sa negosyo,” she said.

 Wensilito narrates how they were able to make their business grow. “Sa isang business naman pag hindi ka tumagal ibig sabihin nalulugi ka. Nakikita naman yun, napag-aralan.  Trial and error. Ang nagiging problema sa process ay nasosolusyunan kaya unti-unti naiiwasan na yung pagkakamali.”

He tells about how he learned about the Agri-Negosyo (ANYO) Loan Program of the Agricultural Credit Policy Council (ACPC), where he was able to borrow additional capital for his agribusiness. “Nalaman ko ang ANYO sa pamamagitan ng facebook. Nabuksan ko ang site at nakita na may mga programa ng gobyerno na galing sa ACPC.” While browsing, he learned that the program has zero interest. “Dahil naghahanap din ako ng mababang interes na mapupuhunan. Ito ay walang interes kaya naglakas loob na mag-apply.

He was thankful that the approved loan amount was P480,000.00. “Dahil mas malaki na ang aking puhunan, mas marami ang mabibili. Mas maraming matutulungan. Di lang ang mga kabarangay pati ibang barangay.”

He recalls how hard it is for him to pay an interest of 3% per month in his previous loans from other sources. Dito sa ANYO nabigyan ka pa ng puwang para maipon ang pambayad sa puhunan. Kasi hindi monthly ang bayad. Per cropping. Kaya malaki ang pagkakataon na makaipon pa at mapaikot pa ang pera. Di katulad dati na pilay ka agad ulit kasi naibayad mo na.”

“Kayang-kaya naman bayaran. Ang P480,000.00, isang taon ko babayaran, 2 seasons.” He shares how the loan term of the ANYO makes it easy for him to be able to pay his loan.

More than these, ANYO was also able to help increase his income. “Bilang businessman, ang hinahanap mo ay yung makakatipid ka. Sa halip na sa interes mo ibabayad, mapupunta sayo yun. Dagadag kita mo yun.”

Wensilito is very thankful to the government, particularly the DA-ACPC for having programs for agripreneurs like him. “Napakaganda po ng mga ganitong programa ng gobyerno, lalo na ng ACPC. Dahil hindi mo na problema ang working capital mo. Malaking tulong na pandagdag sa kita.”

These are his words of advice. “Malaki ang maitutulong ng gobyerno sa mga magsasaka. Lakas lang ng loob. Wag matakot lumapit sa gobyerno. Malaking bagay ang nagagawa ng DA. Hindi lang tulong sa teknikal sa pagtatanim pati sa pinansyal. Sana magpatuloy pa. Sana yung mga likas na farmers na umuusbong para magnegosyo, yun sana ang matulungan. Ang farmer na matututo ng negosyo, ang concern nyan ay andoon pa rin sa farmers. May concern. May puso kung baga.” Mr. Wensilito Gomez is an agripreneur whose concern is for his fellow farmers. Although he was not able to fulfill his dream of becoming a pilot, he became a successful agripreneur with an advocacy to help farmers like him to also become successful agripreneurs.

Mr. Wensilito F. Gomez, the owner of W Gomez Vegetables and Grain Trading in Barangay Kaliwanagan San Jose City, Nueva Ecija was able to borrow additional capital for his agribusiness through the Agri-Negosyo Loan Program for micro and small enterprises (ANYO for MSEs). The program, implemented by the Department of Agriculture – Agricultural Credit Policy Council (DA-ACPC) and its accredited partner lending conduits (PLCs), offers zero-interest loans for agri-fishery-based MSEs.
Wensilito Gomez with a handful of peppers harvested from his farm. Mr. Gomez, was able to increase his income through the zero-interest loan he was able to borrow from  the DA-ACPC under the ANYO loan program.
Wensilito Gomez supervising transportation of products to the market. Mr. Gomez was able to make his business grow and help fellow farmers in their community and of the nearby barangays by buying their produce and bringing them to Manila. He uses the additional capital which he was able to borrow with zero-interest from the ANYO loan program of the DA-ACPC.
Wensilito and Josefina Gomez, partners in life and in managing their agribusiness, also encourage other farmers to become agripreneurs. They are very thankful to the government, particularly the DA-ACPC for having programs for agripreneurs like the Agri-Negosyo Loan Program for micro and small enterprises (ANYO for MSEs).