FILIPINO UTANG - Getting a Loan In Small Town Philippines (Davao Province, Mindanao)
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- เผยแพร่เมื่อ 28 ส.ค. 2024
- GETTING A LOAN IN THE PHILIPPINES? Here there is something called "Utang" and on this day in Cateel, Davao Oriental... that is exactly what I needed to do.
Another raw day along the coast of Mindanao. We head into town to pick up supplies for our fence and lot. But, I didn't bring enough money! Yikes! Luckily, here in the Province it is common to do something called "Utang", or basically loaning. Utang is something you can see happening everyday here. It is basically getting whatever you need from a store, and then having to pay back in the future.
In this video, we also explore the new snack shop that just opened up in our Barangay!
and get a sneaky TAHOOOOO!!! :)
Power On!
*** FOR MORE STORIES AND ADVENTURES CHECK OUT MY FACEBOOK PAGE: #BecomingFilipino
*** MERCH (T SHIRTS) AVAILABLE AT: merchby.ph/product-category/people/kyle-jennermann-kulas/
You reminded me, I need to pay my utang at the store again 🤣
Daot na!
Impas! Haha hi kumander! 😂
BayBay Store!
Kumander D Palautang🤣
@@juanmotovlogs3654 palautang 🤣🤣🤣
Was actually very lucky that "Utang" exists here. There is only one ATM in Cateel, and it was broken this morning. Utang provided on this day! :)
BecomingFilipino you are now a certified filipino Kulas, you have utang hehehe.. Power on👍🏽💙🇵🇭
Oh my God utangan naka Kulas!🤪🤪🤪
What!!! No Johndy's joke at the end of your vlog. Why?!😁😂
There's nothing wrong with Utang Kyle "Kulas" as long as you won't forget to pay for it😁😄Take care always😊💕
Better to withdraw enough next time buddy so that when those stuff happens like broken ATM then you have more than enough until it gets fixed lol.
The Philippines is so beautiful 😍
the children in your back on that monument are blessed to have the wide space to run and play, they have no gadgets to play but they have awesome nature 👍🏻 Power on💪🏻
🤣🤣🤣firstime in my entire life seing a person being so happy because of having a utang!! Hahaha power on kulas..
You made my day Kulas! Actually, it's my birthday today.
Keep on inspiring people!🤩
You know, there was one thing that stood out in my mind about staying in the mountain province that the natural environment caused a positive change in my daily routine. The 12 hrs of light and 12 hours of night. At first, to my surprise most people went to bed around 7:30 PM and most of the lights were out around 8:30 PM. So evidently I learned to go to bed when the locals did even though it seemed much too early for me. But you know what... Every morning I woke up feeling refreshed like I have never felt before at around 4:30-5:00 AM. And then shortly after waking up I could hear the Pandalesal guy down in the valley touting his horn, making he way up the mountain on his motor, delivering that tasty Pandalesal. About a half hour later he would stop right outside our door with fresh, warm Pandalesal... Yum! Two boys next door that became my little buddies soon learned that I liked to share my Pandalesal early in the morning before the sun came up and we would have what the Hobbits refer to first breakfast. Then around 7:00-7:30 AM was second breakfast which included more bread, rice, and coffee. What good memories those times where. :)
it is pandesal = pan (bread) de sal (with salt)
Good to know you enjoy your stay here at the Philippines. Damn, i can imagine the view and the quiet you experience ever morning that must be very very refreshing
That is so Filipino 🤣🤣🤣 you’re learning how Filipinos will bend backwards to help other people.
It also means the community trust you... and you sincerely absorbing the sense of community in the country. Congratulations!
Yes indeed!
Never been there and had no idea that it's nice there. Utang in small stores in the Philippines is just based on trust - a word of promise or word of honor to pay the loan. There are no legal documents to bind and record the loan. The store owners will just make notes for them to remember. It's a good system in a small community- kind of sharing and part of the culture. If you break your word of honor, trust and relationship will be hurt as well.
Another 20 minute-worth of smiles and happiness.. ❤️ thank you guys!
i remember my mom used to send me to our neighbors and friends for utang..she would send me a small pieces of paper noting how much we want to utang..and now im supporting my parents para dili na mangutang.. :D)
Good for: (papel) 😊
Pwd rin sa tindahan nyahaha lista sardinas, noodles, kapebar ibp 🤣
Honestly sir kulas gwapo pala ni sir jondi at sir kumar!no joke as in u guys are good looking and ur friendship is real!
Always waiting and watching new video. and support you. Kulas kumar and jundee nice bonding..super apir✋
" Utang " is fine as long as you pay when it's due.That's how you establish your credibility as a person with word of honor!
Yeah you’re right
Right, it's just like credit card, if you don't pay then you mess up your credit. then if you get a loan you will get a higher interest rate ( this is the case in the US).
Utang is an honour system. You trust your debtor that he will pay in another day.
Great
You have to bring that piece of paper when you pay the loan and have it counter signed and marked paid. That will serve as a receipt.
Kulas don’t worry about having “utang” ...Everyone did it or have one..My family during our younger years we live throughout utang,bcuz my Mama was a single mother of 3 & we got good neighbors who lend my Mama money she paid them at the end of the month..You even paid your “utang” at the end of the day...Good for you!!!
utang is somewhat like a normal style in the philippines because of culture. Filipinos are very understanding when it comes to being 'gipit' short of monetary needs.
Moangay gyud ko sa imong vlog Kay versatile, fun and very creative in your ideas. You have very interesting topics each day😊👍❤️
I always watch the vlog of kulas,,AND I DON'T SKIP THE ADS,it will help
I'm becoming fan of yours.,bcoz of your very good character towards all my kababayan. My GOD be with you always, bro.
That's pretty awesome you've met the artist of that monument.
He is really amazing!
Utang is part of Filipino life to get by and keep going and survive. Some have long lists and at the end of the week or month just pay it and you start again a new utang. I become popular in our village as each time they knock on my door for payment I'm always away.
Cateel The Next Siargao! Thank to Kulas and team!!! MABUHAY
Hello Kulas! Shoutout naman jan! Kudos to all 51talk Home-based teachers. Teacher Christina Holm here.
Sari sari stores are really a big help. You can really make "utang" and pay when you're already capable. That's how filipinos help each other.
Its okay to have utang Kulas,!!! What's important is we have to pay and be thankful,, Amping diha!!! Apir!😍😍😍
That goes to show that the local folks of Cateel trust you, Kumar and Jon D.
Power on with lots of good vibes.
Im always looking forward for your vlog.. It makes me smile specially when im at my down moment. And weird thing, everytime your videos end, it makes me sad cause i want it longer or if possible no ending stories😁. It's fun and adventure seeing you guys, You, Kumar, Johndy, Kumander Daot, your Cateel family, Bret and Boding and the rest of the fighter boys!! Salamuch!! For sharing your videos!! Stay safe to all of you guys!! 👍🏻❤️🙏🏻
Haha .. now experiencing "utang" or borrowing money or making a loan in our friendly people.. you have really become a Filipino ..
That's a good and great sign that you are indeed Becoming FiLipino 🤓🤭 Sometimes it is fun that way bcuz it proved one thing, KuLas is a Superman in Honesty. I Like that, KuLas bcuz of Your sincerity, the Möre FiLipinos wiLL LoVe Your Being True that soften Our Hearts On KuLas 🤩🥰 You hit the naiL right on the head. Stay Safe😷
Utang and Food Trip is life 😊👍💕
If we strive to understand another person's struggles, we are more likely to empathize rather than to criticize. Love Cateel! 💕🌴😊
Agreed. Understanding is key
It’s funny that you experienced the typical Filipino way to have “utang”! That adds to you “becoming Filipino ! I actually did the same thing when I was vacationing in Camiguin. I had to utang my lunch from the small cafeteria nearby the place I stayed cause I ran out of Pesos and the owner trusted me. Only in the Philippines! 😉♥️
Don’t get used to it! Lol! I’m watching from Reno Nevada , I’m originally from Baganga, I’m building a house there so when the COVID19 is over , I’m going to Baganga for a vacation, hope to meet you ! Been watching your vlog daily but my first comment
You’re a true Filipino now with your utang! I never saw anyone in the Phil. so happy that has utang except u!
What a peaceful and beautiful sunset. Big fan of your videos because you are so respectful and grateful to be in Phil...........
So happy to see my Uncle & Auntie in the video😀 the one you made your 1st utang with 😁🤪
Thank you Kulas for showing the typhoon Pablo monument. It reminded us how strong we are. We lost our house & my siblings' houses too during that typhoon, but most importantly, we lost our relative & trusted caretaker. He saved the kalabaw but lost his life instead.
Life goes on, gained experiences & coping with our losses. Power On!
Yes Sir Kulas..utang is ok..its an amazing support when cash is not yet available.."UTANGpamore"just be happy Sir Khyle..
Kudos for paying your utang at the end of the day. I, too, am not comfortable with the idea that you owe somebody something. Since it cannot be avoided though, i do try to settle loans as soon as possible. Love kumar's kungfu pose at the sea wall. also johndy's kungfu technique of getting rid of bugs. Filipino humor is lit.
SMILE!! Humor rules
@@BecomingFilipino thanks for the heart again. Btw, tie your hair in a man bun. I think therine tied your hair once and you looked good.
Love the place... I wish I could visit Cateel soon and meet Kyle, Kumander, Jondie and Kumar. Very serene and peaceful place.
you got one awesome place there dude! GANDA! God Bless you KULAS! Keep Safe!
you and your gang are growing on me, you, finn and bret are the good vloggers for me. thanks man
Kulas, now you are truly becoming a Filipino because now you learn how to make utang. Just keep safe and be happy always.
UTANG IS NOT BAD AS LONG AS YOU PAY IT ON TIME. KULAS YOU'RE JUST HONEST AND GOOD LUCK , STAY SAFE AND HEALTHY. REGARDS TO MAMA ROSE AND THE GANG. STAY SAFE.
You had a very great show..very interesting..you shown us how filipinos are surviving in this time of pandemica and as i watched your show its so refreshing to the mind and soul..it inspired us.bsan pobre o datu.ang kalipay nga gibati pareho lng...goodluck ug dghan salamat..
Muchas gracias.
Happy to see you guys sharing a strong friendship. Nice one kulas, kabalo na ka mangutang. Thanks to jandee , ana diay secrete kung mag buy “taho”.
Mura pod ko naka soroy sa cateel, nice video and salamat guys!
Hello Kulas! There’s a Bisdak saying that goes, “Inig utang, lipay-lipay, inig bayad, likay-likay dayun ma TY”.
What's the translation?
Hahahah Mao jud, naa pa jud tawon wala kabayad nako.
😆😆😆
😂😂😂😂😂😂
@@marktwain3387 borrow money, happy happy..pay, evade-evade..
You guys are in a very friendly area with lots of natural way to explore.
Here in Central Florida, I get to enjoy a lot too. Hopefully you and kumar will be able to visit one day.
Hahaha at UTANG” pinas style . Hahaha 😂 What a very nice place , enjoy Kulas and the gangs , ❤️hahaha count how many cars 🚗 bikes 🏍 on the road , watching from japan 🇯🇵 oi kalami sang foods Mayo ngawon Kulas Jondee Kumar .Stay safe Godbless everyone ❤️
Goodmorning kulas.. Power on.. Start a day with your good vibes.
Salamat kay maaga ka ng upload ng video mo... Power on
the only person so happy to have his 1st utang😅 u just gave me a good laugh this morning kulas😅 thanks for the good vibes👊❤
Same... pgkabasa ko palang ng title natawa na agad ako🤣
Super laugh 😂 Kulas! That’s life in case of emergency... break the rules! Woooooohooooo! Amping lang!
So hilarious seeing someone very happy to have "utang" loaned from someone😁😁😁😁 power on kulas n friends!!
3:24... AGREE to kumar..... LAMI jud basta utang.... (ug libre), hehehe
She never even has irate to say Yes when you ask for UTANG ! Wow Amazing and God bless her . And also lami diay ikaon ug UTANG ....hahaha ... KUMAR and I think the same .
our home is 20 mins from cateel, seems like your enjoying the town that made us happy also everytime we watched your videos. Keep it up and more good luck...
Another inspiring video to beef up my day. Thank you Kulas. Your property has been extended to the Pacific ocean. :) :)
stay safe kulas !
Brad your place is so beautiful and peaceful you lucky to have a property in that place
utang pa more 😁 mao na dha! 😊 god bless u kulas, amping.. power on 💪 ayaw kalimot bayad sa utang 😂✌️
I love you all keep it up.. the spirit of common Filipinos is very much living through you and because you are doing this using videos, this spirit will echo through years.. salute to you guys GOD bless you all
Another successful day for the legends. Power on!
You are amazing you even look back of what the history asround your area mentioning the people of what happen when they incounter desaster you given them respect thats what who kind you are as a person amping kamo diha.
Always positive thoughts ! Power on !
Hi Kyle, I watched this on the day you posted it and this is going to be my first ever comment on TH-cam. More specifically, utang means buying things on credit (instead of getting a loan) with a promise to pay at a later time. I haven't read the comments to check if somebody already mentioned that. I'm glad you are enjoying the Philippines. I was born in Jolo, Sulu, but now living in California.
Goodmorning Kulas! You're on time. Im about to eat my breakfast and your video is here. It was a daily routine to have your videos along with my breakfast. Power On! 😊💪♥️
Kulas
You are amazing, have adapted to our island life style . Your personality shines wherever you go. Stay safe , say hello to mama Rose and your friends. God bless.
Kumander doat has a lovely personality
I hope his channel grows 🙏🏻
Utang Kalimutan!!🇮🇪🇵🇭😉
Greetings from Ireland!!
Congratulations on acquiring you own little spot in the Philippines meaning you are home!!
God Bless and continue doing what your doing dahil kaming mga nasa labas ng bansa ay parang at home na rin every time I watch your videos thank you...
I know a person who had a carinderia in Mandaluyong and her name is Olivia. She runs the place strictly in cash so she was better known as "OLIVIA NO UTANG DYAN", a play on "Olivia Newton John".
hahahah what a name!
Nice one :) : ) : ) : ):)
Kulas utang is good as long as you pay on the date you promised to pay. That's part of pinoy culture. Mabuhay ka kulas!
Yes, 'utang' is common in the Philippines and part of the culture. It is bad, when people are not responsible enough to pay their "utang,' and when it becomes a habit. You"ll get by because sometimes it is unavoidable but be responsible and honest. Another thing I like about your vlog is the trivia or facts you share about the place where you are. A look into the history of the place. Cool! Be responsible and settle your 'utang' and do not make it into a habit. Thank you and Power On!
Your adventure is so beautiful, I dream to be where you're at with the same Filipino friends around me again. I know I said I want to retire there but, I have kids here . Maybe I can just dream. Please keep sharing. I get really homesick when I watch all of you. Maybe someday, Filipino's won't have to be OFW's. They can just stay home, make a living( Social Media is great)
I envy your life guys! Your friendship is genuine! Keep it that way guys. Kulas & the rest is an inspiration. You have a beautiful place. Fresh foods, fresh fish, fresh air & the seaside is so clean.👍👍👍I wish I can go there.Take care guys, look after each other like what you do now!😘
The friendship you have made.wonderful...
Kulas, you are killing me with laughter this morning. I am bit lousy today because I have my "clean 9 program"-it's cleansing my body and it is a strict diet as well so I am really grumpy but watching this video, I suddenly become so happy. I love you all guys. I remember Mike because of that utang, bring Mike next time. Power on!
Thanks for being part of the good vibes. Hope you power through your program
I could not agree more, in parts of the PH, utang is as powerful as cash. Thanks for your insights Kulas. Powering ON right here! Thank you for all the wonderful and essential content. I wonder what Mama Rose the Kitchen Goddess a.k.a. magician is cooking! Super Apri to you and your first ever utang in Cateel. ❤️️ ❤️️ ❤️️ ❤️️ ❤️️
Another wonderful day in cateel,. becoming a part of this town, and i love it,. thanks kylle, and the gang Godbless
This video is hilarious and entertaining. Hi Kulas and the gang 👋
Your property is coming along so well. Can’t wait to see more developments to the end. Thanks Kyle for sharing. What a beautiful place. I’m jealous but of course happy for you and Kumar.
Utang is a relatively new word being common and known to all dialects in the Philippines. In Tagalog its Hiram, in visayan cebuano it's Huwam meaning borrow, utang is referred to borrowed money which is a concept that trading brought.
Yes, UTANG helped me through college and at the same time paying off the monthly utilities. With 2 or more children going to school in the family, it is inevitable. Probably 80 to 90% of Pinoys have been going through this until now. Kudos to my parents who are "madiskarte". They always find someone who can help us. We survived because of that. I am surprised, you shared this to us coz it is something we would like to keep to ourselves (trying to survive at the same time "saving our face" from others). Thank you for this segment. It reminded me that without generous friends and relatives, we will not have survived growing up.
So happy ro be back watching you. More power to your lovely vlog!!!
Always happy vibes, I love your vlogs, always informative, and full of feel-good vibes, great tunes, always uplifting, thank you for sharing
Aww! They treat you like one of them Kulas. Isn't that nice❤️💕😊this a true Pinoy culture😊
That's indeed a beautiful monument❤️ and good job for trying to be ECO friendly❤️❤️❤️❤️❤️❤️❤️❤️ manang Maria here is all about Non-GMOs and Eco friendly🌏
True. Utang is common anywhere... Small to big utang..
Kulas in the provinces UTANG is okay, pa lista then pay later, that's good. There is also UTANG kalimot or UTANG never paid, listed in air gone with the wind, that's BAD CREDIT. Kulas looked a bit embarrassed to eat the food of UTANG. LOL..No Joke of the day today from Johndy? I see it's Johndy's game of the day. my brothers and I used to play that while we sit high up on the aratiles tree..LOL..
Your lucky Canadian eating all them local Filipino food good stuff
"its always lami when its utang" - Kumar 😅 lingaw na experience bro, atleast na try nimo mangutang hehe
#utang always saves us, as long as u will settle it on time , as long people trust you, Power On ... its morning habit @7am checking notif frm dis page , last sunday i keep on scrolling this page and awww there is no update ,, so i just watched previous fighter boys adventure i enjoyed it ... thank u kulas ...
Have a great day Liza!
I miss driving to small towns and just admiring the trees along the road..i miss looking out my window as I pass through the beaches here in the towns of Cebu...😩
wow!!! Kulas.... favorite jud ang tahooooo😀😍😍
Brilliant! Common in the Philippines for everyday folk but I've never seen non-natives asking for utang... had me chuckling all day. You're becoming more filipino than me everyday.
3:47... PIRMA na si kulas sa "bale", hehehe
So jealous of you brad kulas, being in a paradise place enjoying life. Thank you brad atleast you show us everyday our home and how beautiful it is.. 👍🏻👍🏻👍🏻😎😎😎
Good morning everyone... wow! Kyle u broke a record today from zero utang to earning 2 promissory notes in just one day 😁😁😁. U just adapted a pretty common pinoy trait called "utang"... but don't think it's a bad deal. Here in USA having to barrow money from a bank to buy many things u desire is pretty common too. So you'll alright 👍👍👍...
Power on! 😊 So happy can watch you everyday😊
SMILE :)
Thank you again kulas for your vlogs for the day. Amping!!!
Power on!Good morning Kulas...so happy watching your vlog today.keep safe
Power On Kulas. Your first ever Utang. Smile 😊
Hi Kulas. I am a British man expat living near Valencia Bukidnon. The problem with Utang is that when you lend money to local people it is hard for them to pay you back. I have learnt to only lend small amounts of money to people here. As a expat we are rich compared to the local people. The salary here is very low.