The Program for Unified Lending to Agriculture (PUNLA) Track 1  is a special credit facility designed to address the financial needs of marginal farmers and fisherfolk for fast, convenient and affordable credit. Non-collateralized loans for agri-fishery production and agri-microfinance are provided under the PUNLA through lending conduits such as cooperatives and non-government organizations (NGOs) in extending loans to marginal farmers and fisherfolk.

 

This special credit facility is designed to address the financial needs of marginal farmers and fisherfolk for fast, convenient and affordable credit. Non-collateralized loans for agri-fishery production and agri-microfinance will be provided under the PUNLA through cooperatives and non-government organizations (NGOs) as credit delivery channels (lending conduits) of credit funds in extending loans to marginal farmers and fisherfolk.

Agusan del Sur Lanao del Sur Western Samar
Apayao Maguindanao Sarangani
Benguet Negros Oriental Siquijor
Bukidnon Eastern Samar Sulu
Cotabato Northern Samar Zamboanga del Norte


Classified as poor as per government’s defined poverty threshold

Type 1
Cooperatives, cooperative banks 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/farmer organizations and NGOs that are not qualified as Type 1 conduits but comply with the following basic eligibility criteria:

  • Must have juridical personality – registered with SEC, CDA, DOLE, or other government registering agencies
  • Must have been endorsed by a government agency/instrumentality
  • Must have an existing set of officers with good character reference
  • Must have a Core Management Team – with a manager, treasurer, and bookkeeper who can be part-time or full-time
  • Must have an existing bank account in the name of the organization. If none, compliance shall be a pre-release requirement
  • Must have contributions (cash or in kind) and/or savings from members

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.

Production Loan Agricultural Microfinance Loan Other Loans
  • To finance the production of crops, livestock, poultry and the requirements in aquaculture or fishing activity
  • Loan amount shall be based on the production requirements
  • To finance any or a combination of farm, off-farm/non-farm income generating activities of the borrower
  • Any of the household members (spouse, adult member, head of household) of a farm/fishery household may be the borrower of the loan
  • Loan amount shall be based on the household cashflow
  • Other types of loans (such as farm equipment or work-animals acquisition, working capital for trading, etc.) may be included by the Conduit subject to prior conformity of ACPC

Maturity and mode of payment shall be based on the cashflow of the farming/income generating activities or target project of the SFF borrower

  • 6% per annum payable on due date
  • Interest shall not be deducted in advance from the loan

AGUSAN DEL SUR – Ms. Dina Mejias

Tel. No.: (02) 636-3392

E-mail: [email protected]

 APAYAO – Mr. Ding Pereyra

Tel. No.: (02) 636-3392

E-mail: [email protected]

BENGUET – Ms. Ma. Paz Faustorilla

Tel. No.: (02) 636-3392

E-mail: [email protected]

BUKIDNON – Mr. Ronnie Tabucanon

Tel. No.: (02) 636-3392

E-mail: [email protected]

COTABATO – Mr. Joel Matira

Tel. No.: (02) 636-3392

E-mail: [email protected]

LANAO DEL SUR – Ms. Dina Mejias

Tel. No.: (02) 636-3392

E-mail: [email protected]

MAGUINDANAO – Mr. Ronnie Tabucanon

Tel. No.: (02) 636-3392

E-mail: [email protected]

NEGROS ORIENTAL – Ms. Shine Vargas

Tel. No.: (02) 636-3392

EASTERN SAMAR – Mr. Rudyard Roxas

Tel. No.: (02) 636-3391

E-mail: [email protected]

NORTHERN SAMAR – Mr. Rufino Estrada, Jr.

Tel. No.: (02) 636-3391

E-mail: [email protected]

WESTERN SAMAR – Ms. Bieth Gerardo

Tel. No.: (02) 636-3391

E-mail: [email protected]

SARANGANI – Mr. Charles Dulay

Tel. No.: (02) 636-3392

E-mail: [email protected]

SIQUIJOR – Ms. Yaine Tobias

Tel. No.: (02) 636-3392

E-mail: [email protected]

SULU – Mr. Alvin Cabato

Tel. No.: (02) 636-3392

E-mail: [email protected]

ZAMBOANGA DEL NORTE – Mr. Alvin Cabato

Tel. No.: (02) 636-3392

E-mail: [email protected]