ARBOs (Cooperatives or Associations) listed in the DAR’s master list
with ARBs and SFH members whose sources of income and
livelihood have been adversely affected by any of the following:
• natural calamities such as typhoons, earthquakes, volcanic eruptions
and other calamities as declared by the Office of the President, the
NDRRMC or the Local Government Units (LGU);
• epidemic or pandemic outbreaks of human and/or animal diseases or
plant infestations as declared by the Department of Health,
Department of Agriculture, or other appropriate government agencies;
• human-made disasters

1. Agri-Production/Agri-Enterprise/Livelihood Loans
- up to P1M for new ARBOs
- for existing E-ARISE borrowers, based on actual
requirements of member-borrowers
- for ARBO-managed projects, based on project/production
Cost with P3Million cap for new borrowers

2. Provident Loans
- up to P10,000 per ARB/SFH-member/sub-borrower
- up to P100,000 per ARBO

1. Agri-Production/Agri-Enterprise/Livelihood Loans
- Crop Production
- Hybrid seed/seedling and/or inbred seed/seedling/quality planting
materials acquisition/production
- Acquisition of seeds, fertilizers, and other similar items
- Palay/Rice Trading

2. Provident Loans

1. Agri-Production/Agri-Enterprise/Livelihood Loans:
- STL/STLL – 2.0% p.a.
- TL – 3.0% p.a.

2. Provident Loans: 0%

Agri-Production/Agri-Enterprise/Livelihood Loans
• For Relending
- Assignment of sub-borrowers’ promissory notes (sub-PNs) and underlying collaterals, if any
- Assignment of PCIC insurance proceeds (if applicable)

• For ARBO-Managed Project
- Assignment of inventory, receivables and proceeds of marketing contract, if any
- Assignment of PCIC insurance proceeds (if applicable)

Provident Loans
- Assignment of sub-PNs and underlying collaterals, if any

The program is being jointly implemented by the Department of Agrarian Reform (DAR) and LANDBANK. Its main objective is to provide continuous credit support to ARBOs and their ARBs/SFH members whose sources of income and livelihood have been adversely affected by natural calamities, human-made disasters, pests and diseases, and viral infections/outbreaks.

The following are the eligible borrowers under the program:

• ARBOs (Cooperatives or Associations) listed in the DAR’s master list with ARBs and SFH members whose sources of income and livelihood have been adversely affected by any of the following:

- natural calamities such as typhoons, earthquakes, volcanic eruptions and other calamities as declared by the Office of the President, the NDRRMC or the Local Government Units (LGU);

- epidemic or pandemic outbreaks of human and/or animal diseases or plant infestations as declared by the Department of Health, Department of Agriculture, or other appropriate government agencies.

- human-made disasters

• With legal personality (i.e., Cooperatives and Farmers’ Associations must be duly registered with the Cooperative Development Authority and with the Securities and Exchange Commission, respectively);

• With at least six (6) months of business operations;

• Must have no adverse findings on the borrower and its principals (Directors and Key Officers)

• With a complete part-time or full-time Core Management Team (Manager, Cashier/ Treasurer and Bookkeeper);

• With operations and lending manual in place;

• With books of account, accounting, and internal control system;

• Must have no outstanding loans with LBP and other financial institutions for the same project being applied for;

• Others: 
- With a minimum paid-up capital of P15,000.00

- With a past due ratio of not more than 25% prior to the occurrence of natural calamities/disasters, pests and diseases, and viral infections/ outbreaks

- With in-place capital build-up and savings mobilization program

- Excluded are those provided with financial support by other government agencies, non-government organizations, and private institutions

- With a viable project and defined source of payment

- In the case of start-ups, familiarity with the proposed project can be established (i.e., the proponent/key officers have been involved in the same business or working in a similar business and/or have undergone relevant training on the proposed business undertaking/s)

• Agri-Production/Agri-Enterprise/Livelihood Loans

To supplement or augment working capital requirements of ARBOs for relending to ARBs and SFHs members and finance ARBO-managed projects, such as but not limited to the following:

i. Crop Production (Rice, Corn, and High-Value Crops)

ii. Hybrid seed/seedling and/or in-bred seed/ seedling/ quality planting materials acquisition/production

iii. Acquisition of seeds, fertilizers, and other similar items

iv. Palay/Rice Trading

• Provident Loans

To augment ARBO’s funds for relending to ARB/SFH-members to finance their house repairs or finance the ARBO’s office repairs

• Agri-Production/Agri-Enterprise/Livelihood Loans:

- STL/STLL – 2.0% p.a.

- TL – 3.0% p.a.

• Provident Loans:  0%