TSPI Kabuhayan Program (TKP)
“Napakalaki ng naitulong ng TSPI sa aking pamilya. Ang nahiram kong pera ang siyang pinagsimulan ko upang mapalago ang aking negosyo. Dahil dito natutugunan ko na ang pang araw-araw na pangangailangan ng aking pamilya. Nakapagpundar na rin ako ng gamit ko para sa aking negosyo at ngayon ay napapadali na po ang paggawa ko ng mga produkto.” Nanay Valen Pacol, Paniqui Branch
TKP is a livelihood assistance program that provides collateral-free loans of up to P50,000, payable from three to six months on a weekly basis. To qualify, individuals with livelihood or micro-enterprise operating for at least 3 months must join other borrowers to form a group up to 30 members. The group is committed to collective responsibility on individual loan of members, as a way of instilling credit discipline and fostering group solidarity. Members are also provided with micro-insurance benefits and access to other loan programs such as healthcare, education, housing and sanitation.
TSPI Programang Pang-Agrikultura (TPP)
“Nadagdagan ang aking ani dahil sa Soil Analysis na ginawa ng TSPI sa aking palayan. Nalaman ko ang kalagayan ng aking lupa at yung kailangang fertilizer lang ang ginamit ko para sa tamang nutrients sa aking tanim. Noong inatake ng peste ang aking pananim, nakakuha ako ng benepisyo sa PCIC crop insurance sa tulong din ng TSPI.” Tatay Roberto Guay, Irosin Branch
TPP is an agriculture lending program that offers rice, corn and high-value crops production loan. It provides small farmers with more affordable funds for the cost of farming inputs and labor up to P200, 000 for a maximum of 5 hectares. Generally, the loan is payable in lump sum at the end of the cropping season or in multiple payments during harvest for high-value crops. To qualify, members must be part of a group with maximum of thirty members. The group is committed to collective responsibility on individual loan of members, as a way of instilling credit discipline and fostering group solidarity. Members are also provided with microinsurance and crop insurance benefits. They also have access to other loan programs for water pump installation, other agri-related livelihood activities, healthcare, housing and sanitation.
TSPI Maunlad Program (TMP)
“Dahil sa TSPI marami akong nakilala na naging customers at kaibigan ko na rin. Naka-attend din ako ng mga seminars at training tungkol sa pagnenegosyo. Nagustuhan ko rin yung savings. Higit sa lahat, salamat sa puhunan na pinahiram ng TSPI dahil nakapagsimula at napalago ko ang aking negosyo. Ngayon, lahat ng pangangailangan ng mga anak ko ay aking natutugunan.” Nanay Jovylin Labordo, Tayabas Branch
TMP is a loan program offered to micro-entrepreneurs who have higher capital requirement. It is open to both existing TKP clients and new clients with business that is continuously operating for at least 2 years and a business capital of at least P60, 000. TMP offers loans ranging from P30, 000 to P300, 000, payable in 3 to 24 months. The repayment schedule is flexible with weekly, semi-monthly and monthly options based on client’s cash flow. Collateral is required only for loans above P100, 000. Members are also provided access with microinsurance benefits and other loan programs such as healthcare, education, housing and sanitation.