Microfinance is all about giving access to financial services to low-income clients that are mostly self-employed women who would be otherwise excluded from the services of commercial banks. Traditionally, vendors in the market would borrow money from loan sharks that charge very high interest rates (20 % /month). KMBI provides a more reasonable alternative with loans given at an interest rate of 20% payable in six months.

Credit Products

Kabalikat Loan Program

The Kabalikat Loan Program helps existing micro businesses in its expansion and development by providing loans and empowering women micro entrepreneurs with below Php50,000 additional capital requirement.

Maunlad Loan Program

The Maunlad Loan aims to further assist graduated program members from its Kabalikat Loan Program and as well as new member from the micro enterprise segment by providing additional working capital to expand and further develop their existing businesses.

Masagana Loan Program

The Masagana Loan of KMBI exists to aid and develop the agricultural sector of the country by providing loans that will serve as working capital for farming or within the agricultural allied sector.

Add-On Loans

K-Flex Loan Program

The K-Flex Loan Program addresses the wide array of additional business and capital needs of Program Members, enabling them to further grow their respective enterprises.

K-Agapay Loan Program

The K-Agapay Loan Program is a short-term loan offering that addresses urgent and unexpected needs during emergency situations, providing them a reliable partner in trying times.

K-Silong Loan Program

KMBI recognizes the necessity of shelter as protection against the ill-effects of changing weather conditions. The K-Silong Loan Program fulfills a person's dream of building, maintaining and securing their homes.

Non-Credit Products


Micro-insurance is an add-on service given to the program members of the organization. Along with the Group Loan and Capital Build-Up, all clients aged 18 to 63 years of old are required to enrol in this program to be protected in cases of death in the family. Offered under this service are death insurance and burial benefits.

Capital Build Up (CBU)

Capital Build-Up is an opportunity for program members to begin accumulating their own financial resources and lessen their vulnerability to crisis and dependence on outside credit sources. It is also a reserve fund that a member may use as additional capital for the existing business, or capital for a new business when she retires from the program.