Pj Lhuillier Inc (Philippines)

P.J. Lhuillier Inc, better known through its flagship brand Cebuana Lhuillier, is a leading Philippine non-bank financial services company specializing in microfinance and mass-market financial solutions. Through a nationwide network of several thousand Cebuana Lhuillier branches and partner outlets, the company offers pawnshop services for gold jewelry and other valuables, domestic and international money remittance, bills payment, microinsurance, micro-savings, personal and microbusiness loans, and related transaction services including cash-in and cash-out for digital platforms. Its operations are geared toward serving low- to middle-income customers who may have limited access to traditional banking, including workers, microentrepreneurs, and rural households. The company's key brands and assets include the Cebuana Lhuillier pawnshop and remittance network, microinsurance offerings under various Cebuana Lhuillier insurance brands, a growing suite of digital channels and mobile applications, and a banking affiliate that supports deposit-taking and lending activities. Strategically, P.J. Lhuillier Inc positions itself as a financial inclusion and microfinance champion, focusing on accessible, small-ticket financial services, expansion of branch and agent reach, development of digital financial services, and cross-selling of multiple products to deepen customer relationships and support the everyday financial needs and resilience of Filipino households.