Financial program: Proyekto sa Kauswagan sa Katilingban;  group of 35 to 45 micro-entrepreneurs having a business activity without collateral documents; P5,000 to P150,000; 2.5% per month; loan maturity 3 months to 6 months; payable weekly and monthly; Micro-Enterprise Transition Program; group of five micro-entrepreneurs in need of financial assistance for their business expansion; P5,000 to P150,000; 2.5% per month; loan maturity 3 months to 6 months; payable weekly and monthly; Micro-Enterprise Development Program; starting individual micro-entrepreneurs; P5,000 to P150,000; 2.5% per month; loan maturity 3 months to 6 months; payable weekly and monthly; Micro, Small and Medium Enterprises Development Lending Program; individuals, partnerships, corporations, and cooperatives in need of additional working capital; P5,000 to P150,000; 2.5% per month; loan maturity 3 months to 6 months; payable weekly and monthly.

Collateral/security: Real estate; chattel of motor vehicles; clean for group loans; serialized equipments and other acceptable securities for individual loans

Requirements: Individuals must be between 21 to 60 years of age with decent, legal and stable source of income; individuals must be in good health, insurable, and without any history of past due loans or court cases; residing in present address that is within the bank’s services for at least 3 years; MSMEs must be within the major sectors of the economy (industry, services, agri-business, practice of profession, tourism-related); MSMEs must be duly registered with appropriate government agencies; documents; accomplished application form; ID picture; valid IDs; business license of barangay permit; business records and receipts; official receipts for utility bill payments (last 3 months); proof of loan payments and deposits (if applicable); proof of ownership of assets; co-makers’ statement; proof of ownership for serialized equipments; deed of assignment.

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