![\"\"](\"https:\/\/www.cardmri.com\/cardsmebank\/wp-content\/uploads\/2025\/09\/Sowing-Success.png\")
<\/p>\nPosted on: September 16, 2025<\/p>\n
Written by: Edrian B. Banania<\/p>\n
<\/p>\n
Ni\u00f1o de Guzman, 38, a proud CARD SME Bank client and agripreneur from General Santos City, stands on his flourishing asparagus and corn farm. It is his living testament that hard work and perseverance can turn small dreams into reality.<\/em><\/p>\n In Barangay San Jose, General Santos City, lives a man whose story proves that success is not born from wealth; it is grown through hard work, faith, and perseverance. Ni\u00f1o de Guzman, a vocational graduate, husband, and father of three, has transformed his humble beginnings into a thriving agribusiness that not only changed his life but also uplifted those around him.<\/p>\n His journey from a sari-sari store owner to a successful agripreneur is a story worth telling and one that is truly inspiring.<\/p>\n Humble Beginnings<\/strong><\/p>\n Born into a family that relied on agriculture as its primary source of livelihood, Ni\u00f1o was raised with a deep respect for the land and the value of perseverance. From a young age, he was immersed in farming and fishing life, helping his parents and learning how to make a living from the soil and sea. These early experiences would ultimately shape his future.<\/p>\n Before fully committing to farming, Ni\u00f1o explored various livelihood opportunities. He sold fish and engaged in multiple income-generating activities to support his growing family. For two years, he worked at an automotive company while his wife managed their modest sari-sari store. However, it was always agriculture that drew him.<\/p>\n With a small dream and limited capital, Ni\u00f1o started a modest farming venture. Over time, that small seed blossomed into a thriving agribusiness focused on high-value crops such as asparagus, sweet and purple corn, and more.<\/p>\n \u201cIn doing business, it\u2019s important to separate personal matters from business,\u201d Ni\u00f1o shares, highlighting one of the key principles that helped him succeed.<\/p>\n Weathering the storms<\/strong><\/p>\n Agriculture, while fulfilling, is not without its challenges. Natural calamities often pose threats to crops and disrupt operations. But Ni\u00f1o\u2019s resilience shines in these moments. His approach is grounded in preparedness and smart financial management.<\/p>\n \u201cIn times of calamities, it is essential to have savings so you have something to use when things get tough,\u201d he advises.<\/p>\n Through a positive mindset and a commitment to sustainable farming practices, Ni\u00f1o has been able to sustain and grow his business even through adversity.<\/p>\n A crucial part of Ni\u00f1o\u2019s growth was made possible with his six-year clientship with CARD SME Bank, a thrift bank under CARD MRI. With a modest loan of PHP 3,000, he reached a total of PHP 350,000, which he reinvested to improve operations and expand his agribusiness.<\/p>\n With the success of the business, his produce is distributed not only around General Santos City but also to markets in Cotabato, Davao, and even Manila. He now employs 15 workers and earns at least PHP 150,000 per month, a remarkable leap from where he began.<\/p>\n \u201cWe decided to stay consistent and committed to our business because we saw how it changed our lives,\u201d Ni\u00f1o reflects.<\/p>\n With this support, he not only uplifted his own family but also created opportunities for others in his community.<\/p>\n Giving back to the community<\/strong><\/p>\n Today, Ni\u00f1o is more than just a farmer; he is a changemaker. By employing local workers and partnering with small seed producers, he plays a vital role in strengthening the agricultural economy in his area.<\/p>\n \u201cAs a way of giving back, we support local seed producers by buying the seeds from them, and continue to provide jobs to the local community,\u201d he says.<\/p>\n Looking ahead, Ni\u00f1o dreams of expanding his farm even further, with hopes of securing a comfortable retirement and a better future for his family. But more than that, he wants to continue planting seeds of opportunity for others that create a legacy rooted in service and success.<\/p>\n \u201cTo aspiring entrepreneurs, especially those starting from humble beginnings, if you don\u2019t try, you will never see success in life. Despite life\u2019s challenges, if you persevere, nothing is impossible,\u201d he concluded.<\/p>\n \n <\/p>\n","protected":false},"excerpt":{"rendered":" Posted on: September 16, 2025 Written by: Edrian B. Banania Ni\u00f1o de Guzman, 38, a proud CARD SME Bank client and agripreneur from General Santos City, stands on his flourishing asparagus and corn farm. It is his living testament that hard work and perseverance can turn small dreams into reality. In Barangay San Jose, General […]<\/p>\n","protected":false},"author":19,"featured_media":2413,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-2415","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-success-stories"],"_links":{"self":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/posts\/2415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2415"}],"version-history":[{"count":1,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/posts\/2415\/revisions"}],"predecessor-version":[{"id":2416,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/posts\/2415\/revisions\/2416"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=\/wp\/v2\/media\/2413"}],"wp:attachment":[{"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2415"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2415"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cardsmebankph.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}