What is PLEA?

The Production Loan Easy Access (PLEA) facility is a special credit program designed to address the financial needs of marginal and small farmers and fisherfolk for a fast, convenient and affordable credit. It offers non-collateralized loans for agri-fishery production through cooperative banks, cooperatives, farmers and fisherfolk organizations, and non-government organizations (NGOs) as credit delivery conduits in extending loans to marginal and small farmers and fisherfolk.

What are the coverage areas of PLEA? 

Initial coverage areas are: 1) Apayao, 2) Eastern Samar, 3) Western Samar, 4) Northern Samar, 5) Negros Oriental, 6) Zamboanga del Norte, 7) Lanao del Sur, 8) Cotabato, 9) Sarangani, 10) Maguindanao, 11) Siquijor, 12) Bukidnon, 13) Sulu, 14) Agusan del Sur and 15) Sultan Kudarat.  The coverage area has been expanded to include areas with high poverty incidence and that are unserved by banks. The expanded areas are: 1) Malimono, Surigao Del Norte, 2) Bongabon, Nueva Ecija, 3) Wao, Lanao Del Sur, 4) Banisilan, Cotabato, 5) Pitogo, Bohol, 6) Laguna De Bay, 7) Midsayap, Cotabato, 8) M’lang, Cotabato, 9) Isabela, 10) Kalinga, 11) Koronadal, South Cotabato, 12) Pigkawayan, North Cotabato, 13) Alamada, North Cotabato, 14) Tangub, Misamis Occidental, and  15) Bataan. This will be expanded to other areas.

Who are the Eligible Farmer/Fisherfolk Borrowers?

Classified as marginal and small farmers and fisherfolk registered under the Juan Magsasaka’t Mangingisda National Database System or the Registry System for Basic Sectors in Agriculture (RSBSA).

Small Farmer Refers to “natural person dependent on small-scale subsistence  farming or fishing activity as primary source of income” (Section 4, RA 8435/AFMA), i.e., those who (a) own or are still amortizing lands that are not more than three (3) hectares, tenants, leaseholders, and stewards (Presidential AO No. 21 of 2011, Revised IRR of RA 8425/Social Reform Act); or (b) engaged in backyard livestock and poultry raising defined by Philippine Statistics Authority (PSA) as engaged in: (a) livestock raising not exceeding any of the following: (i) 20 head of adults and zero young, (ii) 40 head of young animals, (iii) 10 head of adults and 22 head of young animals; and (b) poultry raising not exceeding: (i) 500 layers or 1,000 broilers, (ii) 100 layers and 100 broilers if raised in combination, (iii) 100 head of duck.
Small Fisherfolk Refers to those directly or indirectly engaged in taking, culturing, or processing fishery or aquatic resources, to include, (a) those engaged in fishing using gears that do not require boats or boats less than three (3) tons, in  municipal waters, coastal and marine areas; (b) workers in commercial fishing and aquaculture; (c) vendors and processors of fish and coastal products; (d) substinence producers such as shell-gatherers, managers, and producers of mangrove resources, and other related producers (Presidential AO No. 21 of 2011, Revised IRR of RA 8425/Social Reform Act).
Marginal Farmers and Fisherfolk Refers to small farmers and fisherfolk whose incomes are within the poverty threshold as defined by the National Economic Development Authority (NEDA).


What is the Registry System for Basic Sectors in Agriculture (RSBSA)?

The Registry System for Basic Sectors in Agriculture (RSBSA) is an electronic compilation of basic information on farmers, farm labourers, and fishers.

The database of the RSBSA includes profile and additional information of farmers, farm labourers, and fishers, as well as farm parcels and fisheries. The main use of the database is to help government planners and policymakers in formulating policies for agricultural development.

 For those not yet registered, applicants will be provided with enrolment forms for inclusion in the database which upon validation will be included in the RSBSA.

 The DA- Information Communications Technology Service (DA-ICTS) is tasked to update the RSBSA through the Juan Magsasaka’t Mangingisda National Database System.

What is the maximum loanable amount for each borrower?   

Eligible farmer/fisherfolk borrowers can avail themselves of up to Php 50,000 depending on the agri-fishery production project to be financed. Only one member of the household can avail of a loan at a time. Household member can be either the head, spouse or adult working member.

What is the Interest Rate?

The interest rate is 6% per annum or 0.5% per month. Interest is not deducted in advance from the loan.

 What is the Loan Maturity and Mode of Payment?

The loan is payable within a period ranging from two (2) up to ten (10) years depending on the commodity or the activity the loan applicant is involved with.

Will the PLEA provide insurance coverage?

Insurable agri-fishery commodities financed under the PLEA may be covered with crop insurance by the Philippine Crop Insurance.

What are the types of eligible lending conduits?

Type 1

  • Cooperative banks, cooperatives and NGOs that are currently accredited by or have been/are qualified under any existing partnership under the ACPC lending programs and/or with any of the following institutions/programs: LANDBANK, PCFC, AGFP, DBP, SBGFC

Type 2

  • Cooperatives, farmers and fisherfolk organizations and NGOs that are not qualified as Type 1 conduits but comply with the following basic eligibility criteria:
  1. Must have juridical personality – registered with SEC, CDA, DOLE, or other government registering agencies;
  2. Must have been endorsed by a government agency/instrumentality;
  3. Must have an existing set of officers with good character reference;
  4. Must have a Core Management Team – with a manager, treasurer, and bookkeeper who can be part-time or full-time;
  5. Must have an existing bank account in the name of the organization. If none, compliance shall be a pre-release requirement;
  6. Must have contributions (cash or in kind) and/or savings from members.

Note: Type 2 conduits that have developed a satisfactory track record in the program after at least a year may graduate into Type 1 conduits. Such must have: (a) good repayment performance (at most 5% past due ratio); and (b) established financial recording and control system.

If the Type 2 conduits has been assessed by the ACPC to have insufficient demonstrated financial transaction management capability, the funds for lending operations shall be released in the following manner: (1) The ACPC shall tap a “cashiering” institution where funds shall be transferred; (2) The lending conduit shall submit to ACPC the list of its approved eligible borrowers and the corresponding loan amounts which shall be the basis for the amount of fund release; (3) The loans shall be released directly to the individual borrowers by the “cashiering” institution. The “cashiering” institution shall be any government bank, private bank with authority to receive government deposits, any stable cooperative with demonstrated financial handling capability.

What are the application requirements for lending conduits?

  • Endorsement Letter from DA-RFO/Provincial/Municipal LGU and other partner government agencies
  • Letter of Intent/Application
  • Organization Profile/Background
  • List of Board of Directors and Officers
  • Board Resolution authorizing the organization/association to participate as lending conduit of PLEA and designating its authorized signatories
  • Certified True Copy of Certificate of Registration (CDA/ DOLE/ DSWD/ SEC) and latest Articles of Incorporation/Cooperation showing the original incorporators/organizers
  • Financial Statements for the past three (3) years preceding the date of application. For organization/association which has been in operation for less than three (3) years, financial statement for year/s in operation.


 In the interest of service and to facilitate the implementation of the DA-ACPC Credit Programs – Production Loan Easy Access (PLEA), the following shall be the Team/Staff assignment per geographical area:



Team Leader

Team Members Provinces Covered
Main Office-Based



Noel Clarence M. Ducusin McPhearson Christian F. Ramos Ilocus Region Provinces


Maria Paz T. Faustorilla Kristle Ann S. Balingan Benguet
Celedonio P. Pereyra Luis Edpis Apayao, Kalinga


Ezrael L. Manzano

Roberto C. Santos, Jr.



Ma. Cristina G. Lopez Filipinas D. Gerardo

Cherry Anne F. Acabal

Nueva Ecija
Filipinas D. Gerardo

Dana Jane Yumul



Filipinas D. Gerardo

Cherry N. Quintero

Laguna de Bai, Quezon


Noel Clarence M. Ducusin Maria Korraine O. Tobias Calmie Joy M. Mamhot Negros Oriental, Siquijor, Iloilo
Roberto C. Santos, Jr. Bohol


Rufino T. Estrada, Jr. Rufino T. Alegre Eastern Samar
Santiago Bello Northern Samar
Giemar Bientes-Llano Western Samar


Ma. Cristina G. Lopez Vince Gabriel A. Cacdac Zamboanga del Norte


Marie Paz T. Faustorilla

Joan A. Vargas

Celedonio P. Pereyra

Jemrick P. Ramos

Misamis Occidental
Cherry N. Quintero

Ma. Sheena I. Ambagan

Lanao del Norte


Melito M. Montenegro Charleston M. Dulay Maria Fe Mejos Sarangani, South Cotabato
Joel Q. Matira

John Deniole Tamondong

Paulo Antonio M. Rodriguez

Ronnie B. Tabucanon Sultan Kudarat


Noel Clarence M. Ducusin Ma. Teresa J. Santos

Ma. Sheena I. Ambagan

Joan A. Vargas

Agusan del Sur, Surigao del Sur, Surigao del Norte


Ma. Cristina G. Lopez Cherry N. Quintero Zenoden Guro Lanao del Sur
Reham Bagundang Maguindanao
Sulu, Tawi-Tawi