Financial Services

MULTI-PURPOSE LOAN (MPL)

The MPL is a flexible microfinance product that can be used for growth and expansion of a microenterprise, for education, for housing, for asset acquisition, house improvement/renovation and other farm needs that are not qualified under agri-loan (families with multiple sources of income).

GROWTH-ORIENTED MICROENTERPRISE LOAN (GML)

The GML is a cash-flow based individual productive loan with savings and insurance for the growth and expansion of the microenterprise sectors. Partner-clients under this program must qualify based on credit limit and loan performance criteria, and preferably, graduates of the MPL program.

AGRICULTURAL LOAN (AL)

The AL is an individual agricultural production loan with savings and insurances for income rice farming households intended for production inputs and/or labor expenditures only.

LIGHT LOAN PROGRAM (LLP)

The LIGHT Loan Program is a business and cash-flow based loan with savings for marginalized microenterprise sectors as additional capital for existing business.

MICROINSURANCE

The Microinsurance product of LIGHT aims to protect its members in cases of death in their immediate family through life insurance and burial benefits. This product is an add-on service for the already existing partner-clients of LIGHT's loan programs.

CAPITAL BUILD-UP

The Capital Build-Up product aims to lessen the financial vulnerability of the partner-clients through giving them an opportunity to set some money aside to be used for emergency purposes, for future expansion of their current enterprise, or capital for a new business idea.