Microfinance for Livelihood

TSPI Kabuhayan (Livelihood) Program (TKP)
  • Targets poor men and women
  • Adopts a group-lending model (20-50 members) with mutual group guaranteel
  • Offers loans for micro-enterprises ranging from Php 500 – 30,000 for TKP 1 clients and Php 31,000 – 50,000 for TKP 2 clients
  • (TKP 2 is a graduation model for TKP 1 clients)
  • Mobilizes weekly capital build-up funds
  • Extends micro-insurance benefits
  • Twenty-five (25) weeks loan term with weekly repayment
  • Weekly center meetings
  • Also offers special loans i.e. educational assistance, livestock and multipurpose loans

"Sasakyan ng Bayan" (SAKBAYAN) or Transport for the Masses)

  • Offers loans for acquisition of tricycles
  • For group or individual borrowers
  • Loan size of up to Php 85,000
  • Requires chattel mortgage for collateral
  • Mobilizes weekly capital build-up funds
  • Extends credit life insurance benefits
  • 30 – 36 months loan term with weekly repayment

Association for Social Advancement (ASA)

  • Targets low-income men and women micro-entrepreneurs
  • Involves group membership (10-30 members) yet adopts individual loan responsibility
  • Loan size of Php 1,000 – 50,000
  • Mobilizes weekly capital build-up funds
  • Extends micro-insurance benefits
  • Twenty-four (24) weeks loan term with weekly repayment
  • Requires two (2) co-makers for loan security
  • Weekly center meetings

TSPI Palayan Program (TPP)

  • Offers loans for a group of 5 – 20 members with mutual group guarantee
  • Maximum loan size of Php 20,000 per hectare during wet season and Php 25,000 during the dry season
  • Six (6) months or one (1) cropping season loan term with one (1) lump sum payment upon harvest
  • Mobilizes weekly capital build-up funds
  • Extends crop insurance in partnership with the Philippine Crop Insurance Corporation (PCIC)
  • Extends micro-insurance benefits
  • Monthly meetings

Livestock Loan for Goats

  • Offers loan for purchase of goats as breeders
  • For individual borrowers who have attended a two-day Goat Raising Seminar arranged with the LGU-Municipal Agriculture Office
  • Maximum loan size of Php 10,000
  • Requires two (2) co-makers for loan security
  • All goat purchased from the loan shall be enrolled in the livestock insurance under the Philippine Crop Insurance Corporation (PCIC)

Small Enterprise Development Program

1. Tricycle drivers and Operators Assistance Program (TAP)

  • Supports family businesses of tricycle drivers and operators
  • Offers loans ranging from Php 10,000 – 50,000
  • Six (6) months loan term with weekly repayment

2. Individual Loan Assistance Program (ILAP)

  • Targets small entrepreneurs poised for business expansion
  • Offers loans ranging from Php 50,000 – 500,000
  • Loan term of up to two (2) years with weekly, semi-monthly or monthly repayment, depending on cash flow