KASAMA sa Pangarap: Stories of Hope and Hard Work from Home Credit’s Everyday Heroes

At Home Credit Philippines, every dream—big or small—can become reality through affordable installment plans and the dedication of our Sales Associates (SAs). Whether it’s a new phone for school, a motorcycle for work, or a smart TV for the family, our SAs are the friendly faces behind every approved application, always #ReadytoHelp. Dressed in their signature red shirts with the smiley logo, Home Credit’s Sales Associates greet customers with warm smiles and expert guidance, helping Filipinos find the best deals and own what they need, responsibly and confidently.

In our fourth #HCSpecials video, called KASAMA, we highlight the daily life of Sales Associates and celebrate how they are always #ReadyToHelp Filipinos reach their life goals.
This feature shares the inspiring stories of three top-performing Sales Associates: Jerryco Malvarosa, Kimberly Boiser, and Joebeth Rizaldo—proving that with dedication, passion, and heart, basta KASAMA si Home Credit, goals are always within reach.

The Dedicated Dreamer 
Every Home Credit Sales Associate (SA) shares one mission: to make it easier for Filipinos to get what they need through fast, simple, and affordable installment plans. Take Jerryco Malvarosa, for example—he goes the extra mile to ensure his customers understand every step of the installment process, helping them bring home what they need, hassle-free.

Before joining Home Credit, Jerryco was one of the many Filipinos who lost their jobs during the COVID-19 pandemic. Those three months without work tested his resilience as he struggled to pay rent, utilities, and put food on the table. But his determination never wavered, and everything changed when he became an SA at Home Credit.

Driven to rebuild his life, Jerryco arrives early at work, ensures all marketing materials are in place, and patiently explains Home Credit’s installment products and payment options. One day, a loyal customer thanked him for helping them get appliances for their home with ease and at 0% interest. 

“Naalala ko, may customer na nagsabing malaking tulong si Home Credit noong naghahanap sila ng appliances para sa kanilang bahay. Bukod sa 0% interest, mabilis din ang transaction dahil existing client sila at good payer pa.” [I remember a customer saying that Home Credit was a big help when they were looking for appliances for their home. Not only was there 0% interest, but the transaction was also fast because they were an existing client and a good payer.]

Now at 39, Jerryco is proud that his role as an SA helped him build savings and start a small business, transforming his life for the better. In his words: “Hindi talaga natin maiiwasan ang mga pagsubok, lalo na pagdating sa pera. Pero buti na lang, nandiyan si Home Credit. Mabilis lapitan, walang hassle sa application, at kaagapay sa oras ng pangangailangan.” [We really can’t avoid challenges, especially when it comes to money. But thankfully, Home Credit is there: easy to approach, a hassle-free application, and a reliable partner in times of need.]

A Father that Keeps on Giving 
Known for his genuine care and patience, Joebeth Rizaldo is the kind of Home Credit Sales Associate who goes the extra mile to help customers bring home something special for their loved ones.

A devoted father and husband to his two-year-old son and a wife three months pregnant, Joebeth shares the same dream as many Filipino dads—to give his family the best life possible. Through hard work and determination, he was able to buy a motorcycle, upgrade it to a tricycle, and renovate their home.

One moment that stands out in his journey as an SA was helping Lorena, a mother who purchased an iPhone 13 as a graduation gift for her daughter’s first-ever phone. That simple act reminded Joebeth of his own dream to give back to his father.

“I remember my father wanted a ₱4,500 watch but didn’t buy it because it was too expensive. I promised myself I’d get him one someday. Thanks to my job as an SA, I bought him a watch worth twice as much. Others may think it’s simple, but for me, it’s a big achievement.”

A week after Lorena’s purchase, she came back with a basket of fruits to thank Joebeth. “But her smile alone was enough to remind me why I do this job,” he shared.

For Joebeth, life has come full circle. Despite the challenges of meeting monthly targets, he stayed committed and grew from a shy newcomer to a confident SA—always #ReadytoHelp more customers, like Lorena, make their dreams come true with Home Credit by their side.

From Small Seller to Big Marketer 
With a smile that radiates positivity, Kimberly Boiser helps every Home Credit customer feel supported, ensuring they bring home what they need with confidence and ease.

“Pinakatumatak talaga sa akin is noong may bumalik sa store para magpasalamat kasi nagamit nila ‘yung cellphone na in-apply nila. Super happy na nakatulong ako at naka-receive pa ng referrals dahil satisfied siya sa service ko,” she shared. [What really stuck with me the most was when a customer came back to the store to say thank you because they were able to use the cellphone they applied for. I was super happy that I was able to help, and I even received referrals because they were satisfied with my service.]

Kimberly’s journey began humbly as a tindera selling office supplies just to make ends meet. When she lost that job, she faced the challenge of finding a new way to support her family. But even without work, she never lost her drive.

Just like how she pushed herself to reach her daily targets as a tindera, Kimberly seized the opportunity to become a Home Credit Sales Associate, a decision that changed her life. From being a small-time seller, the now 31-year-old Kimberly grew into a confident SA who sees her role as more than just a job. For her, it’s a chance to meet people from all walks of life and help turn their plans into reality.

Now with Home Credit for nearly eight years, Kimberly is proud of how far she’s come and grateful for the many stories she’s been a part of.

“Dati, maliit na tindera lang ako, pero ngayon isa na akong sales agent sa isang malaking kumpanya tulad ng Home Credit. Sobrang nagpapasalamat ako dahil hindi lang gumaling ang marketing skills ko, naging better version pa ako ng sarili ko.” [Before, I was just a small-time vendor, but now I'm a sales agent at a big company like Home Credit. I'm very thankful because not only did my marketing skills improve, but I also became a better version of myself.]

Home Credit’s Project KASAMA is a powerful reminder that no matter where we come from, we all strive to live with purpose and uplift those around us. Behind every customer interaction is a story of resilience, hope, and the drive to turn everyday moments into meaningful milestones. Through the eyes and efforts of our dedicated Sales Associates, we see how one installment plan can spark a life-changing journey. With heart, hustle, and a shared mission, Home Credit continues to stand beside every Filipino, para sa pangarap, para sa pamilya, para sa life.

Watch the latest #HCSpecials episode on the official Facebook page of Home Credit. Sa iyong life goals, kasami mo kami #ReadyToHelp!  

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph, or get the Home Credit App from Google Play, the App Store, or Huawei AppGallery. You may also follow its official Facebook, Instagram, and TikTok accounts.  

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).