Implementing       Agency - Name of Program

Major Objectives

Areas Of Implementation

Eligible Borrowers

Loan Purpose/Type

Loan Ceiling

Collateral Requirement

Maturity

Interest Rate end-borrowers (%p.a.)

Contact Person

A.  DA                 1. Catanduanes Agricultural Program (CatAg) 

To form and develop Savings & Loan  Systems (SLSs);& to assist and enable  LSs in identifying, implementing, monitoring & evaluating profitable & viable microbusiness.

Catanduanes Province

Rural poor

Livestock, fisheries, agro-processing, trading services & machinery.

P20,000

None

to 1year

36%

Ms. Aida Perez - OIC Project Assistance Division     Tel. 927-9636 to 39

 2.  Central Cordillera Agricultural Program (CECAP)

To increase rural income and living standards in the project area; To support ecologically stable and diversified farming systems, & To strengthen local capabilities in plan-ning, implementing, operating, maintaining, monitoring and evaluating development efforts.

Ifugao, Mt. Prov., Kalinga-Apayao, Abra and Nueva Vizcaya

Priority to beneficiaries of CECAP-implemented micro proj.; others are local registered groups;beneficia-ries must belong to poorer sector of the community.

Expansion of existing micro-projects, i.e. sericulture, mushroom product-ion mango & veget-able production; other crops & live-stock raising & agri-support facilities.

P10,000

None

1 yr. For crops & livestock;

5 yrs. For agri-support facilities

Short term loans - 6%

Medium term loans -10 %

same as above.

3.  Economic Self-Reliance Programme-

Caraballo and So. Cordillera Agric'l. Dev't (ERP-CASCADE)

To help maintain indige-nous rural people of the ERP-CASCADE project area in promoting an Agro-based local economy that will allow them a better income and standard of living and will give them the opportunity to remain settled and develop where they are presently living with their families.

Nueve Ecija, Nueva Vizcaya and Benguet 

Retailers:  to be identified

End-Borrowers: small farmer producers,

Small  entrepreneurs within the program area

Coops

Financing of agric'l crops and livestock production activities include off farm and non-farm micro  enter-prises of out of school youth, women and artisans

Prod. Loan -  P10,000

Commodity Loan-P30,000

Facility Loan- P200,000 and above

Savings - equity and fixed assets

Prod. Loan 6-12 mos.

Commodity Loan- 6-12 mo

Facility Loan- 24-36 mos.

Mr. Edmund  J. Sana - Asst. Secretary DA-Field Operations  Tel No. 927-9636 to 39

Mr. J. Peter Goodman Program Director      Tel. No. (78) 321-2605

4.  Upland Development Programme in Southern Mindanao (UDP)

To develop and test a replicate model for sustain-able management of the natural resources in the uplands of five provinces in Region XI; To enable upland communities to address their subsistence needs and to produce new marketable surpluses through sustainable market-led agricultural development. 

Five provinces of Region XI (Davao, Davao del Sur, Davao Oriental,  Sarangani and S. Cotabato) 

Farmers' organization

Dev't or expansion of rice/corn mills, shellers, threshers, coffee depulpers and storage, drying facilities, etc., work-ing capital for micro-projects and trading business, industrial tree and fruit tree projects, Livestock fattening/breeding projects.

5.  Aurora Integrated Area Development Project (AIADP) 

To alleviate  poverty; To promote growth with equity; and To develop environmentally sustain-able economic activity

Aurora Province 

Farmer owner-operator or a share tenant with 0.5 to 2 has of land; rural poor with viable projects 

Crop production, improvement of irrigation facilities, Livestock product-ion, Fishery Coope-rative projects Post-harvest facilities Marketing, Other agri-related or live-lihood activities.

P100,000 per borrower 

Mortgageable items 

Crops – 6 mos to 4 yrs.

Livestock - 2 years 

15 % p.a. 

Mr. Edmund Sana - Asst. Sec. Field Operations  Tel No. 927-9636 to 39

Mr. John Rice - Program Director

6. Western Samar Agricultural  Resources Development Program (WESAMAR)

To promote sustainable socio-economic develop-ment and to alleviate poverty in Western Samar

Western Samar 

Mr. Edmund J. Sana - Asst. Secretary DA-Field Operations  Tel. No. 927-9636 to 39

7. ACPC/LBP Gintong Ani Program (GAP)

a.  For Rice and Corn

To provide/expand credit assistance to rice and corn farmers 

GA key grain areas

Rice and corn farmers

Rice and corn production 

Rice - P14,000 /ha.-irrig. P9,000/ha- rainfed Corn-P12,000 /ha.

Deed of Assignment of PCIC insurance & of produce

180 days

14% for the first 5 has. And 20% in excess of 5 has.

Maria Theresa S. Garcia - VP-LBP-CLD Tel. No. 818-94-11

 8. ACPC-LBP Gintong Ani II Program

b.  For Coo-perative Banks

To provide on-lending funds to coop banks to supplement their loanable funds for lending to small farmers/farm households and farmers coops in the Gintong ani areas; and To provide support for mana-gement consultancies, training, systems develop-ment and other organiza-tional development assistance. 

Gintong Ani areas nationwide

Retailers:  cooperative banks End-borrowers: small farmers and coops 

* seed production

* rice and corn production

* grains marketing

* acquisition of farm machinery & equip't.

* purchase of working animals

* acquisition of post-harvest facilities; and

* acquisition of rice/corn based farm systems proj. of small farmers & farmers coops in GA areas

Retailers:

Credit line ceilings shall be based on the coop banks' financial structure provided that such ceiling not exceed banks' expan- sion' limit

End-borrowers: P150,000 per indiv/coop depending on banks' lending policy

*mortgage of assets/properties owned or acquired by the bank

*deed of assign-ment w/ undertaking

*Post Dated checks & or undated checks

Maximum of 3 years

Retailers:

Average Manila Reference Rate (MRR) less 3%

End-borrowers: Average Manila Reference Rate 5%

Mr. Ramon C. Yedra DED,CALF ACPC        Tel. No. 634-43-30 or 634-33-21 

9. ACPC-LBP Agri- Mechanization Financing for Farmer Coops (GA)

To promote farm mechanization

GA priority areas 

LBP-accredited coops within the priority areas endorsed by ACPC

Fixed assets acquisition

95% of total project cost

depends on the project type 

depends on the project type

16% 

Ms. Fe Nieva S.J. Sandoval - Vice President Tel.# 818-94-11

10. LBP-DA/ACPC Integrated Rural Financing Program (IRF)

To provide financing through rural financial institutions to enhance the prod'n., income & repay-ment capacity of organized small farmers and fisheries.

Nationwide 

Retailers: RFIs (RBs, CRBs, PDBs)

End-borrowers: Small farmers and fisherfolk

* crop production

* fishery

* poultry

* livestock raising

Depends on the project type 

Real estate /chattel mortgage of the object of financing

Max. of 1 yr.

12% for coop members; 14% for individual farmers 

Mr. Efipanio Maniebo - Manager  Tel.# 818-94-11 

11. LBP-DBP-DA /ACPC Fisheries Sector  Program (FSP) 

Alleviation of poverty among fishermen through diversification of their sources of livelihood. 

Priority bay provinces 

Retailers: Accredited

RFIs of LBP, DBP  and accredited Fis of PCIC and QUEDANCOR

End-borrowers:  Marginal coastal  fishermen's and small aquaculture operators

* Agricultural production

* Working capital

* Fixed asset acquisition

Depends on the project type

depends on the project type 

depends on the project type 

AP/WC - 12%

FA - 16 % 

Maria Theresa S. Garcia - VP-LBP-CLD Tel. No. 818-94-11

12. BAI: Multi-livestock Dispersal Loan Program (MLDP Phases 1 and II) 

To increase the country's breeder base; To upgrade genetic make-up of local stock; To provide additional income  to farmers; and To improve nutritional status of people.

Nationwide

A good standing member of coop/ farmers org. for at least 1 yr. must not be an owner of 2 or more heads of cattle or carabao

Cattle breeding or fattening

P14,000 per farmer (represents cost per stock) 

Chattel mortgage 

5 yrs. for breeding 1 yr. for fattening 

10% 

Mr. Romeo Alcasid - BAI Tel. # 927-09-64 

13.  NDA-Credit Program Facilities

a.  Public Loan 480 (PL 480)

To finance the investment requirement of the three dairy modules identified under the Medium Term Dairy Development Program (MTDDP)

Negros Occ., Leyte and Capiz

Farmers asso-ciation, coop-eratives and or Federations duly accredited by CDA, registered with SEC engaged or planning to  engage in dairy business

Fund the setting up of integrated dairy enterprises covering production, processsing and marketing 

P3.0 million per borrower 

Chattel Mortgage and REM

20 years 

10% 

Mr. Libertado Cruz - Officer-in-Char ge, NDA  Tel.# 920-9107

b.  PERA Loan 

For building-up cash position base in order to sustain the dairy business operation 

Cebu, Davao, Cagayan de Oro and Luzon 

Farmers asso-ciation, coops and/or federa- tions duly accre-dited by CDA, registered by with SEC, engag-ed or planning to engage in dairy business

Provided additional working capital for processing and marketing 

P400,000 

Issuance of post-dated checks

8 years 

10% p.a. discounted in advance 

c.  Short-Term Credit Loan 

To provide financial releif to qualified dairy federations/ cooperatives which are experiencing temporary financial difficulties  due to shortage in working capital fund

Mindanao and Visayas

Dairy farmers federations and /or coops w/ working capital deficits but with projected cash generation  during the term of the loan

Fund short-term cash flow deficits in the operations of dairy coops/ federations 

P10 Million 

No guarantee provisions 

8% 

d. Bigay-Unlad Dairy Program 

To promote dairy develop-ment by involving coops, farmers group, state colleges and universities, government stock farms, lcoal government units and other organizations in dairy projects.

Luzon 

Recipients of dairy animals from  Magnolia Dairy  Farm

As replacement of previous animals distributed 

None 

5 years 

No interest 

e.  El Nino Stand-by Fund 

For the production/ pro-curement of inputs necessary to cope up with the El Nino phenomenon 

Nationwide 

Primary and secondary cooperatives under NDA-assisted projects which are affected by El Nino phenomenon

For the production of silage, urea treated rice straws, urea molasses mineral blocks; For the procurement of spent grains, feed ingredient and concentrates, drugs and biologics, mineral and vitamin supplement

P1 Million 

Issuance of postdated checks 

2 years 

8% 

f.  Kagamitan Loan 

For the procurement, fabri-cation, repair and/or cons-truction of dairy equip-ment, machineries, trans-portation, communication and other dairy related instrumentalities 

Davao, Cagayan de Oro

Farmers asso-ciation, Coops and/or Federations duly accredited by CDA, registered with SEC, engaged in dairy business

To provide equipment/ facilities for post production 

P1 Million 

Chattel Mortgage

(CM) on machine-ries, transporta-tion and/or com-munication facili-ties, joint  surety-ship of principals,  issuance of post-dated checks, real estate mortgage (REM)

8 years 

10% discounted in advance

g.  Small Holder Livestock Dev't. Program

For the promotion and development of dairy industry in the Philippines 

So. Luzon and No. Mindanao

Farmers'Assns.,  Coops and/or Federation 

Upgrading of the smallholder livestock

P12,500 per head

(P7.1 Million)

Bldg. And structures, animals, vehicles and equipment

7 years

No interest 

h. Dairy Industry Development Model (DIDM)

For the promotion and encouragement of milk production as compliment-ary farm activity that will augment farmers income and nutrition establishment of dairy zones where dairy cooperatives bind them-selves to undertake collect-ion, processing, packaging and marketing of milk and milk products.

So. Luzon, No. Mindanao, Cebu and Davao

Farmers' Asso-ciations, Coo-peratives and/or Federations

Establishment  of zero base module

P15,000 per head

Bldg. And structures, animals, vehicles and equipment

7 years 

No interest  

I.  NDA/LBP Dairy Credit Scheme

To meet the production, processing and marketing needs of federations/coops.

To provide financial assist-ance for the procurement of dairy animals, equip-ment, transport and communications facilities

Mindanao

Dairy farmers federations and/ or cooperatives with working capital deficits but with project cash generation during the term of loan

Direct support to essential dairy activ-ities like purchase of dairy related inputs, development of production, pro-cesssing and mar-keting facilities, construction and renovation of build-ing or structures, working capital, capital asset acqui-sition and expansion

75 % of total project cost 

Fully secured or combined-ion of any of the ff.:

 - REM,

 - Chattel Mortgage on equipment/machin ery

 - deposit hold-out

 - Joint surety ship of principles

 - Assignment of livestock insurance on cattle

 - Annual deposit with DBP equivalent to 6% of the appraised of the cattle

10 years

10% 

14.  NTA-Tobacco Contract Growing Project

To increase farmers' income; To promote mar-ket oriented approach and realistic tobacco product-ion; To enhance and accelerate the adoption of prescribed production tech-nology by tobacco farmers

Nationwide

Qualified tobacco farmers

To spend on land preparation fertile-izer, pesticides, gas-oline and oil, and fuel for the curing for a profitable and quality tobacco production

Virginia Tobacco - P16,000/ha

Burley Tobacco - P12,000/ha

Cigar-Filler and Batek Tobacco 12,000/ha

None

4-6 months

Max. of 12% for cash & 6 % for in-kind

Atty. Antonio de Guzman -  Administrator

15. PCA-LBP: Financial    Incen-tives for Econ. Livelihood Dev't. Scheme for Small Coconut Farmers Org'n. (FIELDS-SCFO)

To uplift the general socio-economic conditions of coconut farmers, tenants and farmworkers

Nationwide

Retailer:              LBP

End-borrowers: Farmers' organization whose members are small coconut farmers

* Operating capital

* Acquisition of fixed assets

Based on actual needs of the project

none 

1-5 yrs. 

12% 

Ms. Fe Nieve S.J. Sandoval - Vice President, LBP            Tel No. 818-94-11

16. PCC-LBP: 5:45:50 Carabao Development Financing Program (CDFP)

To provide financial assist-ance to carabao raisers/ breeders specifically for purchase/breeding of carabao & other related activities.

Identify key livestock deve-lopment areas 

LBP-accredited coops w/in the priority areas  endorsed by PCC

*Breeding/dairy pro-duction, processing, post-prod'n & marketing milk/dairy products;

*Purchase of bdrg. animals, dairy eqpt., transport facilities.

95% of total project cost

Depends on the project type

Depends on the Project type

AP/WC - 14%

FA - 16 %

Maria Teresita P. Garcia - VP, LBP-CLD Tel. # 818-94-11 

17.  Phil. Cotton (PCC) Integrated Cotton Financing Program (ICFP)

To increase farmers' pro-ductivity by providing affordable credit, through coops & cotton farmers assoc. (CFAs), to register-ed coops/org. in the Integrated Social Forestry (ISF) areas.

Nationwide

Retailer:              LBP

End-borrowers:    Duly registered coops/FA's  engaged in  contract-growing

Cotton production, Fixed asset financing 

P10,000 per  hectare 

Standing crops

6 months 

LBP rates 

Ms. Fe Nieva S.J. Sandoval - Vice President, LBP           Tel. # 818-94-11

18. Quedancor: Agrikulturang MAKAMASA for  Local Government Units (AM-LGU)

The program seeks to enable LGUs to extend financial assistance that would support the social upliftment of their consti-tuents in accordance with the approved local deve-lopment plan and public investment program.

Nationwide 

Indiv'l. farmer/ fisherfolk or  assoc. of farmers/fisherfolk

To enable the LGUs to relend to indivi-dual farmer/fisher-folk or farmer/ fisherfolk assoc. in relation to agri-fishery projects. 

P500,000 & above

LGU must secure the loan by the assign. of  Inter-nal Rev Allotment (IRA) covering the total project cost and shall be properly support-ed by a local Sangguniang resolution

Max. of 3 yrs.

8% p.a. to LGU; pass on rate to individual  farmer/fisherfolk or assoc. shall be 14%) 

Mr. Galo  Garchitorena - President   Tel. # 4107842 4165184

19. Quedancor:  Agrikulturang MAKAMASA for Rice and Corn-Based Farming System

To provide support to hasten development of the HVCC industry

Nationwide 

Farmers/Sole proprietors/coops/ partnerships/Corp./ LGUs/FPOs/Pos/RFI s

Production of palay and corn and its inter/relay/rotation crops, processing/marketing acquisi-tion/ construciton of prod'n and post-harvest prod'n facilities, machin-eries and equipments

For conduit P500T and above Lending to farmers P100T & above

*REM/CHM

*Assign. og gov't. bonds/ securities/comm'l shares of stock or bank deposits/ placements/ co-makers/hold- out/JSS/IRA

Prod'n: Max of 1 yr.

Marketing/ Processing

 - max of 3 yrs Acquisition of facilities & equipment: max of 3 yrs.

Mr. Galo  Garchitorena - President   Tel. # 4107842 4165184

20. Quedancor: Agrikulturang MAKAMASA for High Value Commercial Crops (AM-HVCC)

Nationwide 

Farmers/Sole Proprietors/Coops/ Partnerships/Corps/ LGUs/FPOs 

To finance projects on agri production, processing, marketing, acquisition of prod. and post-harvest prod. facilities or joint venture involving high value crops 

For conduit: P500T & above Lending to farmers P100T & above

REM/CM/Assignm ent of gov't  bonds/securities/ comm'l shares of stock or bank deposits/place- ments/co-makers/ hold-uot/ JSS/IRA

Prod'n.: 2-12 yrs. depending on cash flow and crop  gestation Marketing/ Processing

 - max of 5 yrs Add'l working capital:

 - max of 3 yrs.

SGM: Bank Note''

GCFM/SWM

 - for conduit 8%

 - for farmers -12%

(based on present value of annuity)

Mr. Galo  Garchitorena - President   Tel. # 4107842 4165184

21.  Quedancor: Agrikulturang MAKAMASA for Sugar Modern-ization (AM-SM) 

To revitalized the sugar industry through mecha-nized farming; and To promote the bankability and access of sugar farmers/planters to formal credit institutions 

Nationwide 

Sugar farmers/planters endorsed by SRA 

To finance and guarantee the pruchase of tractor/ implements 

P250,000 and above 

10% - farmer's cash equity

50% -CM on  purchased tractor/ implement

40%-any or combi-nation of REM, CM assign-ment of gov't. bonds/ securities, comm'l shares of stock or bank deposit/ placements

1-5 yrs. To be determined by the lending bank

Bank rate 

Mr. Galo  Garchitorena - President    Tel. # 4107842 4165184

22. Quedancor: GPEP Coop-Credit Assistance Program (GAP-CCAP) 

To provide credit support to agricultural based groups and/or projects that are neither qualified nor serviced by banks

To develop and strengthen viable rural community based org'ns which shall facilitate credit delivery and hasten savings mobilization in the countryside.

Nationwide 

Registered  coops /POs with at least 3 yrs. satisfactory record in lending and must be implementing savings mobilization program  for at least 1 yr. 

Relending to affiliates. 

Based on reasonable credit needs of target primaries & repayment capacity of applicant.

*Joint signatures of at least 3  officers and/or Board Members Counter-guarantee by a nationally-based federation, Other forms of acceptable collaterals

Max. of 5 yrs. based on the projected cash flow w/ a grace period of 6 mos on the principal

Based on the MRR less 6% for the federation of coops and less

3% for primary coops 

Mr. Galo  Garchitorena - President   Tel. # 4107842 4165184 

23. Quedancor: Integrated Livelihood Program for Fisherfolk (ILPF) 

To improve the living con-ditions of small-scale fisherfolk; and To increase income of fisherfolk thru provision of alternative livelihood projects

Nationwide 

Small-scale fisherfolk engaged in aquaculture, marine based, agri-based and non-agri-based projects.

Small scale agri and non-agri-based projects 

Max. of P50,000

*REM/CHM

*Loan co-makers

Max. of 5 yrs.

coop - 8%

indiv. - 10%

Mr. Galo  Garchitorena - President   Tel. # 4107842 4165184

24. Quedancor: Poverty Alleviation Fund for Direct Assistance to Farmers (PAF-DAF)             

a. Special Credit

Window for Indiv'l. Farmers

To provide credit assistance to indivi-dual farmers who are not eligible for financing under regular financing programs of banks

Selected areas only

Creditworthy farmers/ farm households in the identified priority area whose per capita income does not exceed the poverty threshold. 

For relending to eligible farmers, farm households to finance agri production, marketing and/or other livelihood projects.

To lending conduits:         Loan exposure shall not exceed the total fund allocation of a particular pro-vince & shall not exceed 10 times the len-ding conduit's

equity. To end -borrowers: Not spec.

None

To lending conduits: max. of 10 yrs. for term loans & 15 mos. for credit line.

To end- borrowers: not spec.

Shall be set by the ACPC in consideration of Sec. 21 of the Magna Carta for Small Farmers.

Mr. Galo  Garchitorena - President   Tel. # 4107842 4165184

b. Calamity Housing Loan Window

To provide interest-free credit for the construction/repair of houses of farmer-victims in calamity-stricken areas.

Selected areas

Farm households who belong to the poverty threshold line whose dwellings were damaged by calamities such as typhoon, flood, fire & other natural calamities

For relending to eligible farmers/ farm households to finance construct-ion/ repair of houses damaged by calamities in the priority areas.

Max. of P20,000 per household 

None 

Max. of 2 yrs.

0%

25. Quedancor-ACPC: Dev't. Assistance Program for Coops & People's Org. (DAPCOPO)

To provide credit to non-bankable agri-based groups.

Nationwide

National and regional based federations of coops not served by LBP or any other bank

Relending to affiliates

Based on the credit needs and repayment capacity of applicants

None, but Proponents (NGOs/POs) should put up 15% of the loan fund as hold-out deposit to the program

3-5 years

6% to national/ regional-based federation/Pos        

8% to provincial- based federations/POs

26. Quedancor: Program for Students  Under-taking Rural   Entrepreneurship (SURE) 

To encourage students to start their own agri-based livelihood projects;

To promote new enterprise as work career or self-employment for graduates; and To create rural job opportunities.

Nationwide except Metro Manila

Graduating college students enrolled in DECS-registered Agricultural Colleges and Universities  located outside Metro Manila

Agri-based livelihood  projects which students plan to undertake immediately after graduation

Individuals: P20T-P100T

Groups: P50T-P250T 

Project assets to be acquired  including expected produce Loan co-makers Other forms of acceptable collateral

Not to exceed 5 yrs.

14% if payment is monthly; 16% if payment is quarterly; 18% if payment is semi-annual 

Mr. Galo Garchitorena President Tel.# 416-5185;         373-704/05; 373-9715/16

D. CDA

27. Cooperative Dev't. Loan Fund (CDLF)

To promote the develop-ment of agro-industrial sub-sector of the coopera-tive sector through financ-ing cooperative institutions.

Nationwide 

*Federations of cooperatives

*Area marketing cooperatives (AMCs)

*Cooperative Rural Banks (CRBs) 

*Purchase of agri prod., supplies and inputs

*Administrative and operating expenses

*Purchase, construction, repair and installation of facilities

*Purchase of land and building cons.

*Investment in related activities/ enterprises like investment in Coop Bank subsidiary corporations.

No ceiling:       case to case basis, depend-ing on the actual needs and capacity of coops to absorb and use loans.

Total assets of borrower coops and property or facility stocks or inventory to be acquired or contracts that may be entered into resulting from the loan

Marketing & operating loan

- max.1 yr. or a credit line of a max. of 2 yrs. Facility - max. of 10 yrs. 

Marketing - 14%

Operating loan -12% or 8% for distressed CRBs with BSP/CDA approved rehab plan

Land/Building -max. of 15 yrs. (3 yrs. grace period)

Mr. Candelario L. Versoza, Jr., -  Executive Director, CDA Tel.# 372-38-01 loc. 216

28. Cooperative Marketing Project (CMP) 

To improve and develop the cooperative marketing structure by providing agri-based marketing coops with adequate financing managerial capabilities and technical expertise. 

Nationwide 

Registered coops accredited by CDA to partici-pate in the program 

*Seasonal commo-dity and operating loans;

*Long-term working capital for facilities and other non-current assets. 

No ceiling; Amount  de-pends on borrower's capacity to pay, securities offered and the project feasibility.

*Eligible commodities or products pledged with warehouse receipts

*Chattel mort-gage or other first line or revolving receivable and inventories

*Real estate  and/or chattel mortgage on fixed assets.

Seasonal loans -up to 1 year

Term loans-up to 10 years

10%

 9%

Mr. Candelario L. Versoza, Jr., -  Executive Director, CDA  Tel.# 372-3801 loc. 216

29. Cooperative Support Fund – formerly Sama-hang Nayon

Support Fund (SNSF), (CSF)

To develop and pilot test a package of support service technology to primary coops

Nationwide

Duly registered primary coops undertaking economic activ-ities and are not recipients of financial  assist-ance from priv-ate or gov't. institutions

*Purchase of members produce

*Procurement and distribution of farm inputs to members

*Purchase of farm equip't.

*Purchase of land/materials

for the construction of multi-purpose office/bodega

*Purchase of consumer goods

*Operating capital

85%  of actual project cost, minimum of P100,000

Assets of coops including those to be acquired out of the loan proceeds

Mktg./ merchandising- up to 1 yr. Operating

- 1 to 2 yrs. Facility

- 3 to 5 yrs. Land/bldg.

-5 to 10 yrs. (grace period of 1 yr.)

Mktg./Operating/ Land - 8% min.

Facility - 6% min.

Mr. Candelario L. Versoza, Jr., -  Executive Director, CDA Tel.# 372-3801 loc. 216

30. Special Loan Fund (SLF) – Formerly Coop-erative Rehab-ilitation Dev't. Loan Fund (CRDLF)

To finance the entrepre-neurial activities of the organized special groups of cooperatives; and To provide institutional support requirements for the identified business enterprises for the benefit of their members.

Nationwide 

Registered special types of coops under-taking economic business activities 

For the purchase of the produce of members and consumers good for resale to members; and For the purchase of post-harvest facilities, land and building construction

Maximum of P500,000

*REM

*CM

*pledges of various types of personal property

*rolling stock

Mktg./operating

-1 to 2 yrs. Land/Bldg.

- 5 to 10 yrs Facility loan

-3 to 5 yrs.

8%

8%

6%

Mr. Candelario L.Versoza, Jr., -  Executive Director, CDA Tel.# 372-3801 loc. 216

31.  Countryside  Development Funds/Congression al Initiatives for Cooperative Dev't. (CDF/CIA)

To provide support funds for economic projects as well as capacity building activities to professionalise cooperative management.

Nationwide 

Non-government orgns. (NGOs),  People's Orgns. (PO s) Coops, Asso.,  Foundations, Gov't  Orgns. 

Marketing Loan; Facility Loan; Land and Building loan; & Operating loan 

Depending on the actual needs and capacity of coops to absorb and use loans

Existing assets  and/or the assets to be acquired out of the proceeds of the loan 

Mktg. & operating loan  - 2 yrs.

Facility loan - 3-5 yrs.

Land & bldg. - 5-10 yrs.

6%-8%

Mr. Candelario L. Versoza, Jr., -  Executive Director, CDA  Tel.# 372-3801 loc. 216

B. DAR

32. DAR-LBP: 5:25:70 Countryside Partnership Scheme (DAR-CPS)

 To enable deserving small farmer cooperatives to own affordable pre-and post-harvest facilities and other fixed assets in order to improve their productivity and increase their income.

Nationwide

ARB coops endorsed by DAR

* Agricultural production loan

* Working capital

* Fixed assets acquisition

Depends on the project type 

Depends on the project type 

Depends on the project type

AP/WC - 14%

FA - 16% 

Ma. Teresita S. Garcia - VP, LBP-CLD Tel. # 818-94-11

33.  DBP-KMI Bayanihan sa Kanayunan Tungo Sa Taong 2000

To raise productivity of organized marginalized or disadvantaged and non-bankable farmers and fisherfolks

Nationwide 

Retailer: DBP

End-Borrowers: Coops, Assocs., Alliance and federation-member affi-liates of Katipunan ng Mga Magsasaka at Mangingisda ng Pilipinas (KAMMPILI)

Acquisition of fixed assets/Establish-ment s of common services facilities, working capital requirements for initial expanded operations

90% of the incremental project cost but not to exceed P1.0M 

REM, CHM and  other acceptable collaterals 

Based on projected cash flow but not more than 5 yrs. including max. grace period of 2 yrs.

12%p.a.+ 2% annual service fee

Ms. Eufemia Mendoza -  VP, DBP    Tel. # 818-95-11  loc. 2228 

34. Credit Assistance      Program for Beneficiaries Dev't. (CAP-PBD)

To provide financial assistance to ARBs particularly for agri-related livelihood projects. 

Nationwide

Retailer:  LBP

End-Borrowers: ARBs oops/orgs. in identified ARCs accredited by DAR

* Agricultural production loan

* Working capital

* Fixed assets acquisition

Depends on the project type

Depends on the project type

Depends on the project type

AP/WC - 14%

FA - 16% 

Ma. Teresita S. Garcia -  VP, LBP-CLD Tel. # 818-94-11

35. Rural Farmers and Agrarian Reform Support Program (RASCP) 

To provide credit facility to agricultural cooperatives (including the ARC coops) in order to support the livelihood activities of their members and spur economic activities in the rural areas.

Nationwide 

Retailer:  LBP

End-Borrowers: Accredited farmers' coops/ARC coops under the project 

* Long-term production loans

* Long-term working capital

* Fixed assets acquisition

* Long-term credit line

* Short-term prod-uction loan for ARC coops only

Depend on the project type 

Depends on the project type

Depends on the project type

AP/WC - 14%

FA - 16% 

Ms. Fe Nieva S.J.Sandoval, - Vice President LBP Tel. # 818-94-11 

36. Quedancor-DAR: Program for CARP-Barangay Marketing Center (CARP-BMC)

To establish farm-level infrastructure that provide coops with the marketing capability to obtain maxi-mum return for their harvest; To accelerate the provision of low-cost credit to uplift the inc. opportuni-ties and livelihood of agra-rian reform beneficiaries;

Nationwide

Retailer: Qeudancor

End-borrowers: Primary coops  located in irrigat-ed palay/corn producing province listed under  DAR SOPs/ARCs and/or DA s KGAs

* Warehouse Construction

* Marketing Loan

* Ricemill Loan

* Trucking Loan

P750T (<>)

P1M

P200T (<>)

P300T (<>)

Real estate mortgage on the lot and ware-house Built-in on the warehouse loan Chattel Mortgage (CM) on the ricemill CM on the truck

8 years

4 years

5 years

5 years

12%

12%

12%

12%

Mr. Galo Garchitorena - President   Tel. # 416-5185 373-9704/05; 373-9715/16; 373-9711

37. DAR/TLRC: Partnership Program for Non-Rice Livelihood Projects

To uplift economic condition of agrarian reform beneficiaries in the ARCs through the timely provision of credit to viable non-rice livelihood projects.

Nationwide

Retailers:  TLRC

End-borrowers:  Coops and federations of coops

* Primary production (except rice);

* Processing;

* Manufacturing; and

* Other strategic livelihood develop-ment areas to be determined by the implementing TLRC 

*Equity build-up

- Max.-25% total project cost

* Long-term dev't. loan

-actual project cost

*Working capital

-actual project cost

*Capability building

-actual cost 

Equity shares of the project assigned to TLRC all project assets acquired from the proceeds of the loan all project  assets acquired from the proceed of the loan all project assets acquired from the proceeds of the loan

1 year

1 year

Maximum 1 year term

Maximum 10 years term

1%

Max. 8%

1%

Ms. Livia de Leon - Director General     Tel. # 899-5537 895-9811 to 16 loc. 501

DBP

38.  Agribusiness Projects Financing 

 To provide financing, training and technical assistance for viable enterprise to support agric'l production and distribution;

To enhance competitive-ness of agricultural products, and To help protect  the environment.

Nationwide

Individuals,  partnerships, assocs., coops or corps,

Projects which will support the food security program,  increase agricultural' production and provide/improven existing postharvest system

80% of actual  project needs, minimum of P500,000.00 

REM, CHM, GFSME/SBGFC guarantee, assignment of rights/other acceptable collateral

Based on projected cash flow but not more than 15 yrs. Inc. 3 yrs.  grace period

Prevailing AAAA' rate, renewable annually 

Ms. Eufemia C. Mendoza, -  AVP-Window 111 Dept. Tel.# 818-95-11 Loc, 2905, 2907

39. Cattle Finan-cing Program (CFP)

To increase the country's breeder.

Nationwide

individual or corporate cattle raisers with good track record for the last 5 yrs. and w/ a minimum of 20 existing breeding cows

*Purchase of  breed-ing stock

*Pasture develop-ment and/ or maintenance

*Other purposes that contribute directly in increasing productivity

Based on actual needs of the project

*Real estate/ chattel mortgage

*Assignment of leasehold rights over the land covered by Pasture Lease Agreement

*Livestock Insurance

Maximum of 15 years inclusive of 3 yrs. grace period 

fully secured: 15%

not secured: 17% 

Ms. Eufemia C. Mendoza AVP-Windows III Dept.    Tel.# 818-9511   loc. 2905, 2907

40. Financing for Local Government Units 

To provide financing, training and technical assistance for viable enterprises to support agricultural production and distribution;  To enhance competitiveness of agri-cultural products; and To help protect the environment.

Nationwide 

Local Government Units 

Revenue generating projects such as slaughterhouse, terminals, water system, storage/ refrigeration facilities, etc.

80% actual project needs, min. of P1.0 M and max. of P50 M

REM, CHM, LGC-GC guarantee assignment of portion of IRA,  other acceptable collateral

Max. of 12 yrs. inc. grace  period of 2 yrs.

Prevailing AAAA' rate, renewable every Jan. 1 and July 1

Ms. Eufemia C. Mendoza AVP-Windows III Dept.    Tel.# 818-9511    loc. 2905, 2907

41. High Value Crops Development Financing 

To provide financing, training and technical assistance for viable enterprise to support agri'l. production and distribu-tion; To enhance competi-tiveness of agricultural products; and To help protect the environment. 

Areas identified by DA as suitable viable high value crops 

Individuals, partnerships or corporations 

Expansion of existing plantation of both long and short gestating crops, Planting/ replanting of exist-ing titled lands, Expansion of exist-ing nurseries to supply demand for planting materials

Up to 80% of total incremental cost

REM, CHM, GFSME/SBGFC/ Quedancor quarantee/other acceptable collateral

Max. of 15 yrs inc. grace period of 7 yrs.

prevailing AAAA' rate, fixed

Ms. Eufemia C. Mendoza AVP-Windows III Dept     Tel.# 818-951   loc. 2905, 2907

42. Kabalikat sa Kaunlaran Financing Program 

To support the increasing numbers of credit facilities/ multi-purpose coops seeking financial assistance from the Bank.

Nationwide 

Existing credit and multi-purpose coops engaged in re-lending, trading & other related undertaking w/ good track' record for the last 3 yrs.

For relending to members, working capital for trading and other related activities.

90% of the incremental project cost but not to exceed P1.0M 

REM, CHM, and other acceptable collaterals, GFSME/SBGFC and others for guarantee coverage on qualified projects

Based on projected cash flow but not more than 5 yrs. Inc. max. grace period of 2 yrs.

12%p.a. + 2% annual service fee

Ms. Eufemia C. Mendoza AVP-Windows III Dept.    Tel.# 818-9511    loc. 2905, 2907 

43. Shipping and Maritime Services

Financing 

To provide financing, train-ing and technical assistance for viable enterprise to sup-port agricultural production and distribution; To enhance competitiveness of agricul-tural products; and To help protect the environment.

Nationwide

Individuals, LGUs or corps. 'duly accredited by concerned gov't. agencies like MARINA, BOI, PPA, etc.

Shipping, shipyard, port/ terminal facilities, cargo handling, replace-ment of wooden banca with FRP, rural area maritime projects.

Based on 80% of actual project needs, minimum of P500,000.00

REM , CHM,  LGU-GC guarantee, JSS of principal officers, or other acceptable collaterals.

Max. of 15 yrs inc. maximum grace period of 3 yrs.

14% for dev't. project fixed;

16% for other projects fixed. 

Ms. Eufemia C. Mendoza AVP-Windows III Dept.    Tel.# 818-9511 loc. 2905, 2907

 LBP

44. CattleFinancing Program (CFP)

To finance the purchase of breeder cattle stocks inclu-ding feed supplements and veterinary requirements.

Nationwide 

Duly registered coops

Cattle breeding 

Depends on the project

Project financed 

5 yrs to 7 yrs inclusive of 2 yrs. grace pd.

12% 

Mr. Edgardo C. Amistad - AVP, LBP-CLD Tel.# 812-2036

45. Agricultural Loan Fund (ALF)

To encourage the active participation of the banking system in agricultural credit so as to boost productivity, generate employment and raise farm income, thus significantly contribute in accelerating socio-economic growth in the countryside. 

Nationwide  including NCR 

Retailers: PKBs, TBs, RBs, SGBs, Non-Bank Finan-cial Institutions

(NBFIs)

End-borrowers: Single proprie-torship,  Partner-ship, corps., coops/assns. 

*Short-term pro-duction credits, working capital and fixed asset acquisition for agricultural  and agro-processing projects.

P100 M 

Retailers: PN and Deed of Assignment & Undertaking

(DAU)

End-borrowers: Real estate/ chattel mortgage, Grains and sugar quedans; gov't bonds; hold-out deposits; and guarantees

Max. of 10 yrs. 'but not exceed year 2005 

Retailer:BSP rate +2%

End-borrower: Negotiated freelybetween PFI and sub-borrower

Ms. Daisy M. Macalino Asst. VP, LBP           Tel. No. 844-5224; 893-2335 

46. CDF: Special Livelihood Financing Assistance Program (SLFAP) 

To provide financing to viable and feasible income generating projects in order to improve the living conditions of and provide additional source of income to beneficiaries.

Nationwide 

Farmers' coops/groups/associ ations endorsed by sponsors

Livelihood project 

100% of total project cost

Depends on the project type 

Depends on the project type

0% 

Ms. Fe Nieva S.J. Sandoval VP, LBP    Tel. # 818-94-11 

47. LBP-country-side Loan Fund (CLFI)

To support government's effort in accelerating private investment in the countryside to boost productivity, generate employment, and raise incomes, thru significantly contributing to socio-economic growth and poverty alleviation.

Nationwide except NCR

Retailers: PKBs, TBs, RBs,SGBs, Non-Bank Financial Institutions (NBFIs)

End-borrowers: Single Proprietorship, partnership,  corporations or coops/associations 

Working capital and/or fixed asset acquisition for agriculture, food/ agro processing, manufacturing, service oriented projects, trading, environmental protection, tourism related and property development projects.

5% of LBPPs equity (total exposure of the ALF/CLF to any single sub-borrower) 

Retailers: PN and Deed of Assignment and Undertaking (DAU)

End-borrowers: Real estate/chattel mortgage, Grains  and sugar quedans; gov't. bonds; hold-out deposits; and guarantees.

Maximum of 15 yrs.

Retailers; MRR of WAIR of 91 day T-bills

End-borrowers: Negotiated freely between PF Iand sub-borrower

Ms. Daisy M. Macalino Asst. VP, LBP           Tel. No. 844-5224; 893-2335 

48. Countryside Loan Fund II (CLFII) 

The program will supplement the CLFI in financing sub-projects which create a positive socio-economic impact to the countryside.

Nationwide except NCR

Retailers: PKBs, TBs, RBs,SGBs, Non-Bank Financial Institutions (NBFIs)

End-borrowers: Single proprietorship, partnership,  corporations or coops/associations 

Working capital and/or fixed asset acquisition for agriculture, food/agro processing, manufacturing, service oriented projects,  trading, environmental protection, tourism related and property development projects.

equity (total exposure of the ALF/CLF to any single sub-borrower)

Retailers: PN and Deed of Assign- ment and  Undertaking (DAU)

End-borrowers: Real estate/chattel mortgage, Grains  and sugar quedans; gov't. bonds; hold-out deposits; and guarantees.

Maximum of 15 yrs.

Retailers; MRR of WAIR of 91 day T-bills

End-borrowers: Negotiated freely between PFI and sub-borrower

Ms. Daisy M. Macalino Asst. VP, LBP           Tel. No. 844-5224; 893-2335 

49. Countryside Loan Fund III (CLFIII)

To provide credit to private investments in agricultural and other viable rural sub-projects; and to finance sub-projects operating in the rural areas which are economically, technically and commercially sound but are financially distress-ed due to the financial crisis.

Nationwide except NCR and Cebu City

Retailers: PKBs, TBs, RBs,SGBs, Non-Bank Financial Institutions (NBFIs)

End-borrowers: Single proprietorship, partnership,  corporations or coops/associations 

Working capital and/or fixed asset acquisition for agriculture, food/agro processing, manufacturing, service oriented projects, trading, environmental protection, tourism related and property development projects.

5% of LBs equity (total exposure of the ALF/CLF to any single sub-borrower) 

Retailers: PN and Deed of Assign- ment and  Undertaking (DAU)

End-borrowers: Real estate/chattel mortgage, Grains  and sugar quedans; gov't. bonds; hold-out deposits; and guarantees.

Maximum of 15 yrs.

Retailers; MRR of WAIR of 91 day T-bills

End-borrowers: Negotiated freely between PFI and sub-borrower

Ms. Daisy M. Macalino -  Asst. VP, LBP           Tel. No. 844-5224 893-2335 

50. Integrated Social Forestry Program (ISFP) 

To provide credit assistance to registered cooperatives in ISF areas; and

To promote capital build-up for livelihood development.

ISF areas

Registered coops/ organizations 

Production loan, operating capital and fixed assets for projects in upland areas 

Up to 85% of project cost 

*Promissory note

*REM

*CM

*Deed of assign't. of PCIC Guarantee

Short-term - up to 1 yr. Medium and long term - up to 7 yrs.

PL/WC - 12%

FA - 14%

Ma. Teresita S. Garcia  VP, LBP-CLD Tel. # 818-94-11

51. Irrigation Pump Acquisition Program (IPAP) 

To provide small farmer groups, esp. in rained farm lands, access to medium-term financing for the acquisition and install-lation of small irrigation pump systems.

Nationwide

Small farmers; multi-purpose coops; and irrigator's assoc. 

Acquisition and installation of irrigation pumps and auxiliary parts

Up to 90% of the cost of equipment

Chattel mortgage

Up to 5 yrs. payable very quarter or semester

16%

Ms. Fe Nieva S.J. Sandoval VP, LBP    Tel. # 818-94-11

52. LBP/PAG-BIG- Livelihood Loans Program (LLP) 

To promote small business/ livelihood  ventures and income-generating projects among PAG-IBIG fund members who organize themselves into coop.

Nationwide 

Active PAG-IBIG  members and must have at least 12 monthly contributions & w/ no out-standing PAG-IBIG short-term loan or housing loan

*Working capital

*Purchase/acquisition of tools and equipment

*Construction/repair of worksite or plant site

Not specified 

*Real/chattel mortgage

*Other acceptable collateral 

Maximum of 5 yrs. 

16% computed monthly on the diminishing bal. 

Ms. Fe Nieva S.J. Sandoval VP, LBP    Tel. # 818-94-11 

53. LBP-Phil-AM Foundation-Fixed Asset Acquisition Program (FAAP)

To provide financial assistance to calamity stricken areas in order to facilitate fast recovery.

Calamity-stricken areas

LBP-accredited coops 

Fixed assets acquisition

Depends on the project type

Depends on the project type

Depends on the project type

AP/WC - 14%

FA - 16% 

Ma. Teresita S. Garcia - VP, LBP-CLD Tel. # 818-94-11

54. Program for Grains Productivity Enhancement and Support Services (PROGRESS)

Ms. Fe Nieva S.J. Sandoval, VP, LBP    Tel. # 818-94-11

a. Certified Seeds Financing Assistance      Program (CSFAP) 

To provide a steady and adequate supply of high quality seeds thru provision of comprehensive financial package and support services to qualified seed growers' coops and associations.

Nationwide

Seed grower's coops, and assns. Accredited jointly by LBP and  DA

Palay seed prod'n loan (PSPL), Com- modity Loan (CL), Operating Capital Loan (OCL), and Fixed Asset Loan (FAL)

PSL-P24 per hectare

Others - depends on the actual needs of the project and the quality of participation of the borrowers.

Deed of Assignment of seed produce, PNTR, and PCIC cover-age, CHM, RM and  other acceptable collaterals

PSPL - 18 mos

CL/OCL- 1 yr.

FAL -depending on the cash flow of the project but not to exceed the est'd econ useful life of' the asset  acquired.

FAL - 1%

Others- 12 %

b. Irrigation Facility      Financing Assistance Program (IFFAP)

To accelerate the develop-ment of small-scale and privately-owned irrigation systems; To augment agricultural crop product-ion; and To boost farmers' income

Nationwide

Bank-assisted coops (BACs), and duly registered irrigator's association

Operating Capital (OC),

Fixed Asset Loan (FAL)

Depends on actual project needs, managerial capability, project viability, and the cost sharing arrangements of NIA-LBP & BSWM-LBP on the project.

Object of financing CM, REM, stocks, hold-out on deposit

OC - 90 days

FAL - 10 yrs.

OC - 12 %

FAL - 14 %

  c. Postharvest Facility Financing Program (PFFP)

To finance postharvest activities from production, processing to marketing;

and To generate total production efficiency and guarantee profitability.

Nationwide

Registered coops

preferably those who have estab-lished their'

prod'n base, adopted the use of certified seeds, & dev't access to irrigation facilities.

Fixed Asset Loan (FAL) Trading Capital (TC)

Permanent Working

 Capital (PWC)

Depends on

the mode of

financing

FAL-object of

financing/chattel

mortgage and REM acceptable to LBP TC-conti-nuing CM or stocks PWC- REM acceptable to LBP

2-10 yrs. depend-

ing on & cash flow of

the proj.

6 mos to 1 yr.

Max. of 3 yrs.

TC- 12%

Others - 14 %

55. Retail Countryside Fund Program (RCF)

To finance sub-projects that will create a positive socio-economic impact in the countryside.

Nationwide except NCR

Sole  proprietor-ship, partner-ships, corps, and coops/ assons.

Agriculture related productive activity food or agro-processing venture, manufacturing activity, service-oriented  project, environment protection projects, tourism-related project, property dev't. projects

P650 M

Medium-term loan - over 1 yr to max of 5 yrs.

Long-term - over 5 yrs. To max of 15 yrs.

Market rate

Ma. Teresita S. Garcia VP-LBP-CLD  Tel. # 818-94-11

56. Small Farmers Regular Lending Program (SFRLP)

To provide financial assistance to small famers'/ fishermen's coops to strengthen/ diversify prod'n base and to raise income-generating-level.

Nationwide

Accredited coops

Agricultural product-ion loan, Working capital, Fixed Asset acquisition

Depends on the project type

Depends on the project type

Depends on the project type

AP/WC- 14%

FA - 16%

Ms. Fe Nieva S.J. Sandoval, VP, LBP    Tel. # 818-94-11

57. Special Financing Program for Tobacco Farmers (SFPTF)

To assist farmers in acquir-ing the necessary irrigation facility; To enable farmers to adopt recommended NTA prod'n. tech,; and To increase farm yield, income and profitability.

Nationwide

Coops of tobacco farmers endorsed by NTA

Tobacco prod'n. loan, Working' capital, Fixed Asset Acquisition

Depends on the project type

Depends on the project type

Depends on the project type

AP/WC- 14%

FA - 16%

Ma. Teresita S. Garcia VP-LBP-CLD Tel. # 818-94-11

58. TODO-UNLAD Program

to achieve countryside development by linking producers to markets and processors, and strength-ening coops and LGUs.

Nationwide

Coops, LGUs, or corporations

Relending for prod'n or postharvest facilities financing, market matching and prod'n, market-ing and mgt, coop strengthening, LGU advisory services, Import/export financing Integrated loan, packages for ARCs.

Depends on the project type

Depends on the project type

Depends on the project type

AP/WC- 14%

FA - 16%

Ms. Fe Nieva S.J. Sandoval, VP, LBP    Tel. # 818-94-11

59. UNDP-Small Grants Programme (SGP)

To support small scale activities initiated by community-based groups or people's organ- izations (such as coops) that address environmental problems.

Nationwide

LBP accredited coops and non-LBP accredited coops which pass UNDP criteria.

Conservation of biological diversity, Collection and propagation of indigenous/ endemic plant species, Dev't of alternative sources of energy, Sustainable dev't  of forest and marine resources

Not specified

Depends on the project type

Depends on the project type

AP/WC- 14%

FA - 16%

Ma. Teresita S. Garcia VP-LBP-CLD Tel. # 818-94-11

NFA

60. NFA-Quedancor Farm Level Grains Center (FLGC11)

To establish farm-level infrastructure that provide coops with mktg. 'capability to obtain maximum return for their harvest;

To accelerate the provision of low-cost credit to uplift income opportunities and livelihood of small farmers.

Nationwide

Primary coops located in irrigated palay/ corn producing province listed under the Key Grain Areas.

Lot acquisition (LA) Warehouse Construction (WHsC); Marketing Loan (ML)

LA-P100T

WHsC-P750T

ML-P500T

Real Estate Mortgage on the ot warehouse; built-in on the warehouse loan for ML

5 yrs and 3 yrs for ML

14%

Mr. Galo Garchitorena - President, Quedancor  Tel.# 416-51-85 373-97-04/05 373-97-15/16 373/97-11

NLSF

61. NLSF-Liveli-hood Credit Assistance Program for Agrarian Reform Communities (LCAP for ARCs)

To fund individual lively-hood/income augmentation projects of members of self-help groups and/or individuals belonging to the marginalized sectors in the ARCs.

Nationwide

Retailers: Registered NGOs. PO's, & PFIs for indiv-idual livelihood/Income augmen- tation projects

Wholesale lending to NGOs, POs and PFIs for individual live-lihood/income augmentation projects

Depends on the needs of borrowers

*Object of financing

*Assignment of sub-borrowers' Promissory Notes

*All underlying  collateral

Short-term - 1 year revolving credit line

Up to 12%

Mr. Jose D. Escartin - Executive Director, NLSF         Tel. # 631-2941 631-2952

NRDC

62. Agricultural Livelihood Dev't. Program for Rebel Returnees (ALDPRR)

To provide identified rebel returnees with sustainable sources of income in agricultural activities (including crops, livestock and fisheries); and

To develop the capability of identified rebel returnees in manag-ing their own business act within 3 yrs. from the time of assistance.

Nationwide

Coops/groups of rebel returnees

*Agricultural production Loan

*Working capital

*Fixed assets acquisition

Depends on the project type

Depends on the project type

Depends on the project type

AP/WC - 12%v 

FA - 16%

Ma. Teresita S. Garcia - VP-LBP-CLD Tel. # 818-94-11

PCFC

63. PCFC-ADB-IFAD Rural Micro-Enterprise      Finance Project (ADB- IFAD RMFP)

To finance the investment and institutional credit req'ts. of NGOs, POs and FIs implementing the Grameen Bank Approach of providing loans to individuals.

Nationwide

 Retailers: PO's. Fis and NGO using the Grantee Bank Approach to lending-Grantee Bank Replicators

End-borrowers: Poverty sector, prefer-ence to women with existing or will-ing to undertake livelihood projects

For relending to individuals below poverty line as defined by NEDA Livelihood

P10M investment  credit per retail branch; P1M institu-tional loan per retail branch P25,000 per borrower

Promissory notes of clients, post dared checks None except group collateral

Max. of 6 yrs.

Short-term,depe nds on livelihood project

12%+1% service charge refundable after full repayment Depends on program of conduit, ranges from 24% up to40%

Mr. Jose C. Medina, Jr. - President & COO, PCFC  Tel.# 897-8522-23

Fax #897-8528;89 6-1610

64. PCFC -Helping Individuals Reach their Aspirations through Microcredit (HIRAM)

To uplift the economic status of the targeted clientele by increasing their household income.

Nationwide

Retailers: PO's. Fis and NGOs

End-Borrowers: Poverty sector, preference to women with existing or will-ing to undertake livelihood projects

For relending to individuals below poverty line as defined by NEDA Livelihood

None

 P25,000

Promissory notes od clients, Post- dated checks of clients None except group collateral, or co- makership of family member, husband

Max of 180  Days

Short-term, depends on project of borrower

12%+1% service charge refundable after full repayment Depends on program of conduit, ranges from 24% up to 40%

Mr. Jose C. Medina, Jr. President & COO, PCFC  Tel.# 897-8522-23

Fax #897-8528;89 6-1610

65. SS/GSIS-Special Financing Program

To address the unavailabi-lity of credit facility to the business sector at this time when the Phil. Economy is still affected by currency uncertainties; To stimulate business activity by provid-ing term loans to small and medium enterprises.

Nationwide

Retailers: Govt and commercial banks, thrift banks and investment houses

End-borrowers Iand., partner-ships, or corporations

On-lending Construction of building, acquisition of machinery and equipment, working capital

Allocated fund for each bank P50.0M

Promissory notes of the bank; Deed of assignment Any collateral acceptable to PFIs 

Max of 7 yrs inclusive of 2 yrs. Grace period Max of 7 yrs inclusive of 2 yrs. Grace period

11%

PFIs option, fixed for 5 yrs & subject to review  thereafter

Ms. Lilia S. Marquez - Asst. Vice President Institutional Loans, SSS Tel.# 926-1644; 927-8249

TLRC

66. Agro-Industrial Technology Transfer Program (AITTP)

To facilitate the transfer of production and processing technology; To develop domestic and export markets; and To generate livelihood opportunities to the rural sector.

Nationwide

Corporations, individuals or registered farmers' coops/ associations

*Fixed assets (excluding land) acquisition

*Working capital

*Anchor projects

*Relending to small farmers

*Pioneer technology

*Commercialization

Max. of P40M (depending on loan type)

*Real estate/chattel mortgage

*Guarantees, and/ or insurance coverages by Quedancor, PCIC, and GFSME

*Gov't. bonds and securities

Short-term - max. of 1 yr. Medium to Long term - based on project cash flow and borrower's overall repayment capacity

Short-term - 12%

Medium/Long   term - 13%

Ms. Livia de Leon - Director General      Tel. # 899-5537  895-9811 to 16 loc. 501