Category: Social Entrepreneurship

OSHDP Advocates for Robust Partnerships and Data-Driven Strategies in Socialized Housing

At the 2nd Socialized Housing Summit, held at the Ateneo de Manila University on March 18-19, 2024, Engr. Marcelino Mendoza of the Organization of Socialized and Economic Housing Developers of the Philippines Inc. (OSHDP) provided an in-depth look at the vital role mass housing developers play in addressing the country’s urgent housing needs. Organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI), the summit brought together key stakeholders to discuss innovative solutions to the housing crisis.

Mendoza shared heartwarming success stories, highlighting the transformative impact of socialized housing on beneficiaries, such as Angelie Mabulay, a visually impaired individual who, despite initial setbacks, successfully acquired a home through OSHDP’s intervention. These stories not only showcase the organization’s dedication but also emphasize the power of resilience and community support in overcoming adversity.

As OSHDP continues to champion “growth through dignified, decent, and affordable housing,” Mendoza outlined several forward-looking strategies to enhance the sector’s efficiency and responsiveness. A critical area of focus is addressing the significant data gap regarding the inventory of idle government land that could be utilized for socialized housing. Mendoza advocated for a more systematic approach to identifying and allocating these lands to maximize their potential for housing development.

Public and private partnerships were underscored as a cornerstone for advancing socialized housing initiatives. Mendoza called for strengthened collaborations between government agencies, private developers, and non-governmental organizations to pool resources, expertise, and capacities for more significant impact. Such partnerships could lead to innovative housing models that cater to the diverse needs of low-income families while ensuring sustainability and community resilience.

Another crucial area highlighted was the need for a transparent and equitable beneficiary selection and identification process. Mendoza proposed the development of a more structured queuing system to ensure fairness in allocating housing units and to prioritize those most in need. Additionally, the importance of social preparation prior to purchase was stressed, suggesting that potential homeowners be equipped with the knowledge and skills necessary for property and estate management to foster long-term success and community well-being.

In closing, Engr. Mendoza’s presentation at the summit served as a call to action for all stakeholders involved in socialized housing. By addressing data gaps, fostering public and private partnerships, and ensuring the equitable selection of beneficiaries, the sector can move closer to its goal of providing affordable, dignified, and decent housing for every Filipino family. The insights shared by Mendoza and other speakers at the summit underscore the urgent need for collective efforts to solve the housing crisis, bridging gaps through innovation, collaboration, and shared expertise.

Citihub Founder Panya Boonsirithum Advocates for Affordable Urban Housing at the 2nd Socialized Housing Summit

In a striking presentation at the 2nd Socialized Housing Summit, held on March 18-19, 2024, at the Ateneo de Manila University, Panya Boonsirithum, the founder of Citihub, shared his visionary approach to addressing Metro Manila’s housing crisis. Organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI), the summit brought together a diverse group of stakeholders to tackle the challenges of socialized housing in the Philippines.

Boonsirithum, through his social enterprise, Citihub, highlighted the profound disparity between the burgeoning population of Metro Manila, which swells from 12.8 million at night to 15 million during the day, according to the 2015 NSO Census. This phenomenon exacerbates the city’s homelessness and housing inadequacy, particularly for low-income workers who commute daily to the metropolis’s economic hubs such as Makati, Pasay, and the Port Area of Tondo.

Citihub’s innovative solution, the “POP-UP Mobile Dormitory,” aims to provide affordable, dignified, and environmentally sustainable housing for these workers. For a remarkably low fee of P99 per day (or P2,995 per month), residents can enjoy bed accommodations inclusive of power and water, fully air-conditioned rooms, free Wi-Fi, cable TV, and round-the-clock security with CCTV. Additionally, residents benefit from complimentary rice and mineral water, further alleviating their living costs.

Boonsirithum’s vision for Citihub is bold and clear: to eradicate homelessness in Metro Manila by establishing a Citihub in every city within the metropolitan area. By doing so, Citihub aims to be a for-profit social enterprise that significantly reduces the environmental footprint of urban housing while addressing the pressing need for affordable accommodations.

The growth plans of Citihub are ambitious, aiming to establish a hub in each of the 16 cities of Metro Manila. This expansion strategy underscores Citihub’s commitment to widespread social impact, emphasizing the enterprise’s dual focus on environmental stewardship and social progress.

Boonsirithum’s message to the summit attendees was one of inspiration and action. He urged everyone to champion causes that contribute to the nation’s development and to take an active role in building the future. Citihub’s project serves not only as a testament to what can be achieved through innovation and social entrepreneurship but also as a call to action for other stakeholders to explore and implement solutions that provide sustainable, affordable housing.

The summit, organized by ACSent and SEDPI, provided a valuable platform for sharing ideas, strategies, and success stories like Citihub’s. By bringing together government agencies, private sector partners, social enterprises, and civil society allies, the event aimed to forge a collaborative network dedicated to ensuring accessible, sustainable, and dignified housing for every Filipino. Boonsirithum’s presentation at the summit reinforced the critical role of innovative approaches and public-private partnerships in bridging the gaps in the housing sector and building futures through innovating solutions.

Socialized Housing Production Hits Record Low,SHDA Highlights Compliance Challenges at Housing Summit

During the enlightening 2nd Socialized Housing Summit, Santiago F. Ducay from the Subdivision and Housing Developers Association (SHDA) presented a concerning update on the state of socialized housing in the Philippines. The year 2023 saw the production of socialized housing units plummet to a historic low since 2001, with only 10,113 units completed. This stark decline underscores the growing challenges developers face in adhering to the mandated socialized housing construction requirements, leading many to opt for alternative compliance methods.

Ducay’s presentation at the summit, organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI) on March 18-19, 2024, at the Ateneo de Manila University, highlighted the legal framework governing socialized housing development. Despite the clear mandates outlined in Republic Act No. 7279, also known as the “Urban Development and Housing Act of 1992,” and subsequent amendments, the actual construction of socialized housing has been fraught with obstacles. These challenges have prompted developers to favor incentivized compliance via escrow, a method that, while legally permissible, does not directly contribute to increasing the stock of socialized housing units.

The summit delved into the nuances of the compliance mechanisms available to developers, including joint ventures with local government units (LGUs) and non-government organizations (NGOs), development of new settlements, and participation in community mortgage programs. However, the preference for the escrow option points to a need for a more streamlined and less burdensome compliance process that encourages direct investment in the construction of socialized housing.

Ducay also addressed the critical issue of the socialized housing price ceiling adjustments, noting that the last revision in 2018 has not kept pace with the rising costs of construction and land acquisition. This gap further complicates developers’ ability to deliver affordable housing units to low-income families, exacerbating the housing crisis.

In light of these challenges, SHDA’s presentation called for government intervention to facilitate easier compliance and encourage more developers to invest directly in socialized housing projects. Suggestions included revising the price ceiling for socialized housing, offering tax incentives, and reducing bureaucratic hurdles that currently deter developers from undertaking socialized housing projects.

The 2nd Socialized Housing Summit served as a crucial platform for stakeholders across the housing sector to converge, share insights, and discuss innovative solutions to the pressing housing needs of Filipinos. With the collaboration of ACSent and SEDPI, the summit underscored the importance of collective efforts in addressing the affordability and accessibility of housing in the Philippines, especially for the marginalized and low-income populations. The historic low in socialized housing production highlights an urgent call to action for both the government and the private sector to reevaluate and enhance their strategies for fulfilling the nation’s housing needs.

DENR’s Engr. Romeo P. Verzosa Outlines Land Titling Reform at the 2nd Socialized Housing Summit

The second day of the 2nd Socialized Housing Summit, co-organized by the Ateneo Center for Social Entrepreneurship (ACSent) and Social Enterprise Development Partnerships Inc. (SEDPI) on March 18-19, 2024, at Ateneo de Manila University, featured Engr. Romeo P. Verzosa, Assistant Director of the DENR – Land Management Bureau. His presentation provided an essential overview of the challenges and proposed reforms in the land titling process, a critical step in addressing the Philippines’ housing crisis.

Verzosa began by outlining the mandate of the Land Management Bureau under Executive Order No. 192, emphasizing the role of the DENR in surveying, disposition, and administration of public Alienable and Disposable (A&D) lands. He stressed the adherence to the Regalian Doctrine, enshrined in the 1987 Philippine Constitution, which posits that all natural resources are owned by the State, excluding agricultural lands from alienation.

A primary concern highlighted in Verzosa’s presentation was the need for agricultural land classification before titling, with nearly half of the Philippines’ land resources designated as agricultural. He explained the titling process and the modes of acquiring public A&D lands, including Free Patent, Homestead, Sales Patent, and Special Patent, under the Public Land Act.

In a compelling part of his talk, Verzosa detailed the improvements in the agricultural free patent process through Republic Act No. 11573 and its Implementing Rules and Regulations (IRR), providing avenues for citizens to secure land rights. He underscored the streamlined process for acquiring residential free patents under RA 10023, facilitating easier access for Filipino citizens to residential lands.

One of the most insightful portions of Verzosa’s presentation focused on the challenges and proposed solutions for land titling, notably addressing the data gap in inventorying idle government land for socialized housing. He called for strengthened public and private partnerships to leverage resources for housing development. Additionally, the importance of establishing a fair and orderly beneficiary selection and queuing system was emphasized.

The talk also shed light on the vital steps before land can be awarded, such as social preparation and the bolstering of property and estate management institutions, ensuring that beneficiaries are well-prepared for homeownership.

The summit provided a platform for Verzosa to share the way forward, including tackling procedural bottlenecks and reinforcing the partnership between DENR and other government entities to support the issuance of Special Patents for public uses.

SHFC Aims to Transform Lives with Resilient Communities Amid Housing Challenges

At the 2nd Socialized Housing Summit held at Ateneo de Manila University, Atty. Junefe G. Payot from the Social Housing Finance Corporation (SHFC) presented an approach to combat the Philippines’ housing backlog through resilient community-driven projects. Amidst a critical period where the production of socialized housing units plummeted to an all-time low in 2023, SHFC’s innovative strategies come as a beacon of hope for low-income Filipino families.

The SHFC, a key shelter agency attached to the Department of Human Settlements and Urban Development (DHSUD), has taken a front seat in implementing President Ferdinand Marcos Jr.’s flagship Pambansang Pabahay Para sa Pilipino Housing (4PH) Program. This initiative aims to eradicate the housing backlog by fostering community-guided programs that not only provide homes but also uplift the quality of life for the impoverished sectors, both formal and informal.

Payot elaborated on the legal frameworks underpinning the right to adequate housing, emphasizing the government’s constitutional commitment to ensure affordable housing and basic services to underprivileged citizens. The presentation highlighted the importance of security of tenure, availability of services, affordability, and habitability as minimum elements for adequate housing, aligning with both national and international human rights treaties.

In addressing the urban housing crisis, SHFC has championed the vertical housing approach, a solution designed to maximize limited urban spaces while providing more housing units than traditional horizontal developments. This method not only tackles the scarcity and high cost of urban land but also prevents uncontrolled urban sprawl, contributing positively to environmental sustainability. Payot cited several ongoing SHFC projects, including those in Pasay City, Bulacan, Valenzuela City, Naic, Cavite, and Quezon City, showcasing the diverse benefits of strategic location, self-contained communities, livelihood opportunities, green and walkable spaces, and flexible design choices.

The SHFC projects stand as self-contained communities, offering residents access to essential amenities, recreational spaces, and livelihood opportunities, thereby fostering local economic development and social capital. These initiatives not only aim to provide shelter but also to enhance the overall well-being and quality of life for vulnerable groups. Ongoing projects in key urban areas like Tondo and San Miguel, Manila; San Fernando City, Pampanga; Tagoloan, Misamis Oriental; and Calinan, Davao City, underline SHFC’s commitment to addressing the urban housing need comprehensively.

However, the journey towards resolving the housing crisis is fraught with challenges. Payot called for government support in various forms, including adjustments to the socialized housing price ceiling, maintenance of affordable interest rates for homebuyers, and encouragement of private sector participation in policy creation for the 4PH Program. These measures, along with an updated Housing Industry Roadmap, are critical for guiding both the government and private sector efforts in fulfilling the nation’s housing needs.

As the organizers, ACSent and SEDPI, convened the summit on March 18-19, 2024, at the Ateneo de Manila University, the event underscored the urgency of collaborative efforts in surmounting the housing challenges. SHFC’s vision of transforming lives through resilient communities offers a promising path forward, highlighting the indispensable role of innovative housing solutions in building a more inclusive and sustainable future for all Filipinos.

Senator Risa Hontiveros Advocates for Innovative Social Housing Solutions at the 2nd Socialized Housing Summit

Manila, Philippines – At the 2nd Socialized Housing Summit held at Ateneo de Manila University, Senator Risa Hontiveros delivered a compelling speech, outlining the dire need for innovative and inclusive solutions to the Philippines’ housing crisis. Addressing a gathering of developers, microfinance institutions, academes and housing advocates, Senator Hontiveros emphasized the dream of every Filipino to own a home, a dream currently threatened by the soaring costs of living.

In her address, the senator praised the collaborative efforts embodied in the Pambansang Pabahay para sa Pamilyang Pilipino program (4PH), designed to offer affordable homes to low-income families. This initiative represents a partnership between the government, banks, and private companies, aiming to construct homes more sustainably and inclusively.

Highlighting the attractiveness of 4PH for private developers, Senator Hontiveros detailed the program’s innovative approach, including financial support from Pag-IBIG Fund, guaranteed buyers, swift payments, and legal incentives. These mechanisms are intended to stimulate the construction of affordable housing with minimal capital exposure for the private sector.

However, Senator Hontiveros did not shy away from addressing the challenges facing the 4PH program, including concerns over the equitable distribution of subsidies and the need for the program to genuinely reach the most needy. She called for a greater focus on marginalized communities, who are often bypassed or threatened by such housing initiatives.

The senator’s speech also underscored the potential for microfinance institutions and real estate developers to cooperate in housing construction and financing, provided a favorable and enabling environment is created. She cited a survey by the Microfinance Association of the Philippines, which found a high demand among clients for upgrading their homes through microfinance loans, revealing an untapped Php80 billion housing finance opportunity.

Senator Hontiveros championed the cause of incremental housing and low-cost, self-built housing as legitimate modes of compliance with the balanced housing law. She called on Secretary Acuzar and industry partners to support innovative materials and building techniques to ensure homes are both resilient and affordable.

The senator’s vision extends beyond financial and material aspects; it encompasses creating innovative business strategies and collaborations that make project models easily replicable. She stressed the importance of community, technology, and partnerships with government and industry to address the housing needs of Filipinos.

Senator Hontiveros’s speech at the 2nd Socialized Housing Summit is a call to action for all stakeholders to work together towards creating sustainable and inclusive housing solutions. By leveraging innovative financing, technology, and partnerships, there is hope for addressing the Philippines’ housing crisis, ensuring that the dream of home ownership becomes a reality for every Filipino.

As the summit continues, the insights shared by Senator Hontiveros serve as a catalyst for further discussions and initiatives aimed at overcoming the challenges in the housing sector. Her advocacy for equitable, innovative, and community-centered solutions highlights the urgent need for a collective effort in bridging the housing gap in the Philippines.

Empowering the Marginalized: SEDPI’s Innovative Path in Nanoenterprise Development

Empowering the Marginalized: SEDPI’s Innovative Path in Nanoenterprise Development
Vince Rapisura
January 11, 2024


Established in 2004, the SEDPI Group of Social Enterprises focuses on empowering marginalized Filipino communities via sustainable nanoenterprise growth. Their multifaceted approach includes nanofinancing, social investments, and financial education, addressing poverty and promoting financial stability. Despite advances in microfinance, poverty and high indebtedness persist in the Philippines. SEDPI’s research prompted a pivotal strategy change in 2020 to social microfinance with SEDPI KaNegosyo, aiming to improve financial literacy, reduce debt burdens, and provide fast and affordable social safety nets, especially in poverty-stricken rural provinces.

 NanoenterpriseMicroenterprise
AssetsPhP3,000 to PhP150K>PhP150K to PhP3M
Employees01 to 9
Enterprise registrationMostly unregisteredMostly registered
Approximate number8,100,0001,000,000
Economic statusMostly poorMostly non-poor

Nanoenterprises are typically unregistered livelihoods of self-employed individuals or informal solo-preneurs with asset size ranging from PhP3,000 to PhP150,000. They operate businesses alone or with the help of unpaid family members targeting their immediate local communities. Microenterprises are mostly registered enterprises able to hire employees albeit on a minimum wage rate. There are approximately 8.1 million nanoenterprises in the Philippines as of 2022.

Profile of SEDPI nanoenterprises

 Facebook Global DataSEDPI
Female42%83%
College degree40%1%
Location in city59%2%
No digital tools10%56%
No digital revenue30%68%
Survival expectation20%100%

SEDPI nanoenterprises are characterized by an 83% female ownership, operate mostly in rural areas, and are largely retail and agriculture-focused, diverging from global trends. They face digital challenges, with the majority lacking digital tools and revenue. Despite infrastructural and educational limitations, there is universal optimism for business survival among SEDPI NEs. Comparatively, they show lower urban presence and college education levels than in the global dataset, and a starkly different industry involvement, with no representation in arts and ICT. Their resilience despite economic and technological barriers underscores the socio-economic and cultural factors influencing their entrepreneurial outlook.

Adapting to Pandemic Challenges: The Resilience of Nanoenterprises in the Face of COVID-19

The COVID-19 pandemic presented unprecedented challenges for nanoenterprises associated with the SEDPI Group. As the pandemic surged in April 2020, a staggering 69% of these small-scale businesses ceased operations, indicating the immediate and severe impact of lockdown measures. However, this initial shutdown was followed by a gradual, albeit fragile, process of recovery. By May 2020, some enterprises cautiously resumed activities, although the majority continued operating under significantly weakened conditions.

This period of operational crisis extended through July 2020, with none of the enterprises achieving pre-pandemic levels of normalcy. The situation, though improved, remained precarious with most nanoenterprises identifying their operational status as ‘slightly weak’ or ‘weak’. This prolonged state of fragility, lasting even until December 2022, highlights the profound challenges faced by these enterprises, including limited market access, disrupted supply chains, and a general consumer hesitance.

The pandemic also laid bare the sluggish nature of government assistance, which was critical during the early stages of the lockdown. Initial aid was slow to materialize, with only a small fraction of enterprises receiving cash assistance by mid-April 2020. This delay in financial support likely contributed to the prolonged weakened condition of nanoenterprises, emphasizing the need for more responsive and efficient disaster management strategies.

Despite these challenges, SEDPI members demonstrated remarkable adaptability. Many altered or diversified their business models, with 37% changing their source of income and 52% adding new income streams, showcasing entrepreneurial agility. The transition to online sales was one such adaptation, with a peak of 41% of enterprises exploring digital markets by mid-2021. This pivot, however, showed varied sustainability, indicating the complexities and limitations of digital commerce for these small-scale businesses.

Additionally, the data revealed that members with agricultural assets were better equipped to adjust to the pandemic’s disruptions. This finding underscores the relative resilience of agricultural activities in times of economic crises.

The COVID-19 pandemic posed a significant threat to the survival and operation of nanoenterprises associated with SEDPI. Yet, their response to these challenges was marked by resilience and adaptability. The experiences of these enterprises during the pandemic provide valuable insights into the dynamics of small-scale businesses in crisis scenarios and the necessity for robust, responsive support systems to aid in their recovery and long-term sustainability.

Redefining Microfinance: The SEDPI KaNegosyo Model for Nanoenterprise Development

SEDPI’s KaNegosyo model represents a significant departure from traditional microfinance practices, introducing innovative strategies to support nanoenterprises in the Philippines. This approach is underpinned by six foundational principles: capital infusion (not loans), financial education, profit and risk-sharing, non-profit insurance product, partnership, and cooperation. Each of these elements contributes to a holistic model aimed at empowering nanoenterprises.

Capital Infusion, Not Loans: The principle of capital infusion instead of loans forms the cornerstone of the KaNegosyo model. In stark contrast to the conventional microfinance model, which often burdens nanoenterprises with debt, SEDPI’s strategy fosters a symbiotic relationship through joint ventures. By forming co-ownership arrangements, SEDPI positions itself as a stakeholder in the success of nanoenterprises, not merely a creditor. This approach eliminates the pressure of escalating debts, allowing enterprises to focus on sustainable growth and community development.

Financial Education: Central to SEDPI’s approach is its emphasis on financial education, aimed at liberating nanoenterprises from the cycle of debt. By prioritizing savings mobilization, SEDPI cultivates a culture of financial resilience and stability among its members. This emphasis on savings over borrowing encourages nanoenterprises to grow sustainably. SEDPI utilizes practical, community-centric methods, such as local language videos and case studies, to make financial concepts accessible. Financial Inclusion Officers play a pivotal role in guiding members towards robust savings habits and reducing reliance on debt.

Profit and Risk-Sharing: SEDPI’s profit and risk-sharing principle fosters a mutual partnership between the organization and nanoenterprises. This approach diverges from traditional loan systems by equitably sharing both profits and risks, acknowledging the value of labor and participation over capital contribution. This model facilitates joint problem-solving, enhancing the resilience of nanoenterprises.

Non-Profit Insurance Product: The inclusion of a non-profit insurance scheme, locally known as “damayan,” reinforces the community-oriented ethos of SEDPI. This scheme offers protection through solidarity, not for income generation. The approach of providing near same-day delivery of benefits without complex documentation processes underscores SEDPI’s commitment to responsive and efficient support.

Partnership and Cooperation: SEDPI’s partnership and cooperation principle demonstrates its dedication to creating a supportive ecosystem for nanoenterprises. By forging alliances with government agencies and civil society, SEDPI enhances the reach and efficiency of social safety nets. These collaborations, complemented by the KaSosyo program, which engages social investors, reflect a broad-based approach to poverty eradication.

The impact of these principles is evident in the significant growth of SEDPI’s financial landscape. The organization’s portfolio expanded from PHP 23.8 million in 2018 to PHP 116.5 million in 2023, a testament to the effectiveness of its model. Additionally, the enhanced portfolio quality, with a low portfolio at risk, indicates prudent financial management and the positive influence of SEDPI’s member-centric policies.

In conclusion, SEDPI’s KaNegosyo model not only offers a sustainable alternative to traditional microfinance but also presents a replicable framework for empowering nanoenterprises. Through its innovative approach, SEDPI has demonstrated how a focus on partnership, education, and community support can drive both social and economic development in the microfinance sector.

Evaluating the Success: The Impact of SEDPI’s Nanoenterprise Development on Organizational Growth and Financial Performance

The SEDPI Group’s innovative approach to microfinance and nanoenterprise development, as reflected in its comprehensive financial performance from 2018 to 2023, has led to significant organizational growth and an improvement in the bottom line. This success is anchored in strategic operational approaches and a deep understanding of the target demographic’s needs.

One of the pivotal elements contributing to SEDPI’s growth is the effectiveness of its near same-day claims processing, a core feature of the damayan system. This prompt support mechanism has not only been an effective marketing tool but has also established SEDPI as a reliable and responsive organization among its members. The firsthand experiences of timely assistance have played a crucial role in reinforcing members’ trust and loyalty, resulting in an impressive average growth rate of 32% increase in membership, taking the total count to 19,840.

The principle of capital infusion, a hallmark of the SEDPI model, has significantly reduced the debt burden for nanoenterprises. By focusing on non-compounding and non-accruing costs and eschewing penalties, SEDPI has created a stress-free financial environment. This approach has fostered a culture of loyalty and commitment towards the organization, encapsulated in the local ethos of ‘walang iwanan’ or ‘leaving no one behind.’ This sentiment has been instrumental in not only attracting new members but also retaining existing ones.

The organization’s swift response in providing assistance during disasters, coupled with policies such as no interest accrual and penalty imposition during such events, has further solidified client loyalty. This commitment to member welfare, even in challenging times, has been a key factor in SEDPI’s growth.

SEDPI’s financial landscape has seen a significant upsurge in its portfolio, growing from PHP 23.8 million in 2018 to PHP 116.5 million in 2023. This remarkable expansion is a direct result of the increase in membership, which has enhanced the organization’s financial capacity. The quality of the portfolio has also seen a notable improvement, with SEDPI maintaining a portfolio at risk (PAR) figure well within and below the microfinance industry standard of less than 5%, despite the intensification of claims during the pandemic. This achievement underscores SEDPI’s effective balance between member support

SEDPI’s Path Forward: Expanding Reach and Enhancing Member Services

SEDPI’s empathetic, member-focused model in microfinance, recognized for its innovative financial solutions like the near immediate claims processing of the damayan system, has established a strong competitive advantage within the industry. The strategic shift from debt instruments to capital infusion and savings mobilization, coupled with their low portfolio at risk and high operational self-sufficiency ratio, underscores SEDPI’s commitment to member empowerment and financial health. This scalable model not only solidifies SEDPI’s market position but also serves as a blueprint for inclusive growth in the microfinance sector.

Looking ahead, SEDPI is poised to embark on ambitious initiatives aimed at amplifying its impact and enhancing member welfare:

Membership Expansion Initiative SEDPI has set an audacious goal to increase its membership base to 100,000. This initiative will focus on broadening outreach and harnessing digital technology to engage with potential members across various regions. The expansion is not just about numbers; it’s about fortifying the collective strength and diversity of the SEDPI community, ultimately driving greater financial empowerment and resource-sharing among its members.

Socialized Housing Program Recognizing the critical need for affordable housing, SEDPI plans to offer socialized housing programs. These programs will provide members with access to sustainable and cost-effective housing solutions, improving their quality of life and offering a sense of security. SEDPI is dedicated to making housing more than a commodity—it’s about creating homes and fostering communities.

Holistic Health Schemes With the aim of ensuring the well-being of its members, SEDPI is set to introduce comprehensive health programs. These schemes will go beyond mere financial support, offering preventative care, wellness education, and access to medical services. SEDPI’s vision is to cultivate a healthy and productive membership that can thrive in both business and personal life.

Through these forward-thinking plans, SEDPI reaffirms its commitment to the socio-economic upliftment of its members, fostering a future where financial inclusion and social services contribute to a more equitable society.

SEDPI KaNegosyo: Revolutionizing Microfinance in Mindanao

Bayugan City, Agusan del Sur – SEDPI KaNegosyo, a pioneer in microfinance, continues to set itself apart from conventional microfinance institutions with its innovative approach to financial services, particularly in the thriving communities of Mindanao.

Since its inception, SEDPI KaNegosyo has been on an impressive trajectory of growth. From a modest beginning with two branches and seven staff members in 2016, the organization has expanded to 15 branches spread across key regions including Agusan del Sur, Davao de Oro, Davao del Norte, Davao del Sur, Surigao del Sur, and Zamboanga del Sur, with a remarkable increase in staff strength to 127 as of October 2023. This expansion is a testament to the organization’s commitment to reach and uplift low-income groups.

The Operations Manager of SEDPI KaNegosyo, Elysil Claudel, highlighted the differences between SEDPI’s model and conventional microfinance (MF) during a recent presentation to representatives of the Land Bank of the Philippines. Unlike traditional MF, which often imposes penalties and continues to charge interest even when clients cannot pay due to unforeseen circumstances like calamities or illness, SEDPI KaNegosyo adopts a more compassionate approach. Their fixed service charge, absence of interest and penalties, and support mechanisms for business continuity, demonstrate a clear focus on the welfare and empowerment of their clients.

Moreover, SEDPI KaNegosyo’s objective diverges significantly from conventional MF. While the latter primarily aims at loan collection, SEDPI is dedicated to growing small businesses, showing a profound commitment to the entrepreneurial spirit of their clients. This philosophy is further exemplified in their innovative programs that encourage savings accumulation rather than continually growing loans of members, distinguishing SEDPI KaNegosyo as a leader in responsible and ethical microfinance.

The numbers speak for themselves, with a portfolio amount that has seen a staggering increase from PHP 1.67 million in 2016 to PHP 102.7 million in 2023, and number of nanoenteroprise joint venture partners that has grown from 1,828 to 19,197 in the same period.

Complementing its robust financial growth, SEDPI’s KaTambayayong program, a damayan scheme, showcases the organization’s dedication to community welfare and mutual aid. Since 2017, a total of PhP26 millio in benefits have been disbursed. As of October 2023, PhP5.44 million of assistance were given to 1,951 members and their families. Through KaTambayayong, SEDPI reinforces its commitment to a holistic approach, underscoring the value it places on the financial and social safety nets for its members, further cementing its role as a catalyst for inclusive development.

SEDPI KaNegosyo’s philosophy extends beyond mere financial transactions. It seeks to upend the traditional collateral-heavy and default-punitive systems of lending by tailoring its services to cater to the unique challenges faced by nano-enterprises. This approach embodies SEDPI’s mission to liberate clients from the vicious cycle of poverty and enable them to build a sustainable future.

With this innovative model, SEDPI KaNegosyo is not just providing financial services; it’s crafting a legacy of social empowerment, contributing to a more financially inclusive and resilient Mindanao.

About SEDPI: SEDPI is an organization deeply invested in the development of sustainable programs for financial inclusion, offering a suite of products and services designed to support the growth and resilience of microenterprises across the Philippines.

Elysil Claudel (facing back), SEDPI KaNegosyo Operations Manager, provides orientation to LBP representatives during their field visit to Bayugan Branch, Agusan del Sur.

SEDPI and Land Bank of the Philippines: Strengthening Ties for Sustainable Development

Rosario, Agusan del Sur – In a significant step towards enhancing their long-standing partnership, SEDPI hosted a comprehensive field visit for representatives from the Land Bank of the Philippines (LBP) at their KaNegosyo Bayugan branch. This visit, involving key personnel from both organizations, served as a platform for collaborative discussion and strategic planning.

The day began early with the LBP team, including Account Officer Kaye Dacanay and Assistant Vice President Nel Almario, being warmly welcomed at the Bayugan branch. The morning meeting set the tone for a day of insightful exchanges and mutual learning.

A pivotal part of the visit was the enlightening orientation and presentation session, where SEDPI detailed their Joint Venture portfolio, KaTambayayong, KaIpon and KaBalai programs. This session, led by SEDPI KaNegsyo’s Operations Manager, Elysil Claudel, showcased the organization’s operational expansion and portfolio, eliciting positive feedback from the LBP representatives.

The visit to the Cortes Center was particularly noteworthy. It allowed the LBP lending team to observe SEDPI’s effective payment collection processes and suggest improvements, reflecting a shared commitment to continuous improvement and member satisfaction.

The trip then proceeded to SEDPI’s headquarters in Rosario, Agusan del Sur, where informal discussions and a lunch meeting fostered deeper conversations and relationship-building. Vince Rapisura, leading the discussion, emphasized SEDPI KaBalai’s unique approach in comparison to organizations like Habitat for Humanity and Gawad Kalinga. He highlighted the integration of livelihood interventions, skill training, and strategic partnerships in their model.

The visit, which concluded with a cordial photo session, marked a successful and fruitful exchange between SEDPI and LBP. It not only reinforced the existing relationship but also paved the way for future collaborations aimed at sustainable community development and empowerment.

About SEDPI: SEDPI, a client of LBP since 2012, has been at the forefront of nanoenterprise development financing in Mindanao, offering innovative solutions for sustainable development and empowerment.

About LBP: The Land Bank of the Philippines, a long-term partner of SEDPI, plays a crucial role in supporting various development initiatives across the country, fostering economic growth and community development.

Mr. Manuel Ray Almario, Assistant Vice President of the Land Bank of the Philippines, observes transactions in Cortes Center at SEDPI KaNegosyo’s Bayugan branch.

From left to right: Vince Rapisura, SEDPI President; Elysil Claudel, SEDPI KaNegosyo Operations Manager; Edwin Salonga, SEDPI Chairperson; and visiting delegation of Land Bank of the Philippines – Angelli Ehimplar, Allan Glendale Cabaña, Manuel Ray Almario, Kaye Dacanay, Joana Demonteverde, Dindo Dinopol and Chilla Mantilla.

Symbiotic Synergies: Crafting a Future of Empowered Health with SEDPI and ASMPH

Esteemed Deans and respected colleagues,

I am Vince Rapisura, 20 years with Ateneo, and proudly co-founding the Social Enterprise Development Partnerships, Inc. or SEDPI in 2004 with Edwin Salonga. I stand before you to propose strategic partnership with the Ateneo School of Public Health and Medicine. Our group, spanning 8 organizations, envisions empowered Filipinos globally, championing nanoenterprise development through microfinance, social entrepreneurship, and financial literacy.

The SEDPI Group of Social Enterprises

In two decades with Ateneo, I inadvertently became a financial “GURO” to 382K Facebook and 373K YouTube subscribers, navigating the digital landscape with a blend of financial expertise and occasional internet humor. This unexpected online journey reinforces SEDPI’s vision, weaving financial literacy and social entrepreneurship into the fabric of global Filipino empowerment.

SEDPI, while digital in its reach, is deeply rooted in the tangible, on-ground impact across our beloved nation. Operating through 15 branches scattered in the heart of Agusan del Sur, Davao de Oro, Davao del Norte, Surigao del Sur, and Zamboanga City, our arms extend to approximately 19,000 nanoenterprise members, each one a testament to our unwavering mission to stand as a stalwart leader in nanoenterprise development.

Our offerings are as diverse as they are impactful. “SEDPI KaNegosyo” extends a financial lifeline to nanoenterprises, while “SEDPI KaTambayayong” embodies our damayan spirit, providing a safety net during times of death, sickness, accidents, and calamities. “SEDPI KaIpon” encourages a culture of savings amongst our members, “SEDPI KaBalai” dreams of building adaptive, livable, affordable, and inclusive housing communities, and “SEDPI KaLusog” symbolizes our commitment to community health.

Each product, meticulously crafted, not only serves a practical purpose but also intertwines with our vision of a future where every Filipino, especially those at the lowest socio-economic status, is empowered, self-sufficient, and secure. Thus, I stand here, inviting Ateneo School of Public Health and Medicine to join hands with SEDPI, intertwining academic excellence with practical impact, and together, let’s craft a future that befits our shared vision and values.

Onground track record

In the particular journey of “SEDPI KaNegosyo,” we’ve channeled 102.7 million pesos into livelihood capital, utilizing a model anchored in joint ventures as opposed to the traditional creditor-debtor relationship found in conventional finance. Our members are not mere transactional partners; they are our allies in a collective pursuit of development and empowerment. Consequently, when life’s unpredictables, such as familial sickness or vulnerability to disasters, impede their capacity to repay, we do not accrue interest earnings. Our compass is directed by a principle that supersedes financial gain: to elevate our members out of poverty. SEDPI staunchly refrains from profiting from their misfortune. Since 2017, we have mobilized 38 million pesos in savings through SEDPI KaIpon, an emblem of our members’ trust and our commitment to safeguarding their financial wellbeing while catalyzing their socio-economic upliftment.

Addressing our members’ vulnerability to disasters, SEDPI launched a venture into socialized housing through “SEDPI KaBalai,” aiming to build adaptive, livable, affordable, and inclusive communities. Our strategy is twofold: acting as a disaster management strategy and simultaneously relocating our members away from hazard and danger zones, thereby safeguarding their physical and financial wellbeing.


In September, we broke ground with an ambitious and hopeful heart. Our blueprint for 2023 involves the construction of 12 housing units, with a visionary expansion to 200 units by 2025. To further this initiative, we’ve strategically land-banked 17 hectares across four municipalities, laying a solid foundation upon which our vision for secure, sustainable living for our members can materialize.

SEDPI KaLusog

As we strive to fortify the resilience of our members further, we cast our sights on the imminent implementation of “SEDPI KaLusog,” our flagship community-based public health program. Envisioned to be a beacon of wellness and support, KaLusog is committed to providing a spectrum of services, including clinical and laboratory offerings, among others, to envelop our members in a mantle of holistic health care.

The Ateneo de Manila University has been a steadfast ally in our endeavors, notably through the Development Studies Program and the Ateneo Center for Social Entrepreneurship, which have been nurturing our initiatives such as KaNegosyo, KaTambayayong, and KaIpon since 2006. As we forged ahead with SEDPI KaBalai, initial dialogues have been held with Ateneo de Davao and Xavier University, ensuring that the foundations we lay are robust and in harmony with local contexts and needs.

Today, as we explore the horizons of “SEDPI KaLusog,” it is with great anticipation and hope that we extend an invitation to the Ateneo School of Public Health and Medicine to bring your expertise, research, and passion onboard. Together, we can co-create a program that doesn’t merely respond to immediate health needs but preemptively builds a healthier, more resilient community, ensuring that each member not only survives but thrives.

In this partnership, we see a confluence of practicality and academia, of on-ground experience and research-backed strategies. Together, we can amplify our impact, weave a tighter safety net for our members, and sculpt a future where every Filipino stands empowered, healthy, and secure in their socio-economic stature.

Diving deeper into “SEDPI KaLusog,” we pivot towards providing preventive health care through a robust community health program, seamlessly aligning with the Universal Health Care Law. Our timeline is both ambitious and meticulously planned to ensure our members have access to essential, quality healthcare.

In 2023, our focus is twofold: Conducting research to rigorously assess our members’ access to health services and securing PhilHealth accreditation for our clinic. Moving into 2024, we will establish an annual physical exam as a baseline for our members and roll out our community healthcare program, ensuring a holistic, preventive, and supportive healthcare environment for our community.

SEDPI Head Office

In a significant stride towards realizing these objectives, last July, we inaugurated our head office in Rosario, Agusan del Sur, where we have thoughtfully allocated spaces for a clinic and laboratory that the Ateneo School of Public Health and Medicine (ASMPH) can utilize. This allocation, an 110-square meter space, is our tangible commitment and counterpart to this venture, with the flexibility to expand as the program burgeons.

Our choice of Rosario is strategic. As the most central location among our 15 branches and a fourth-class municipality, our presence not only facilitates our operations but also contributes significantly to local socio-economic development. It’s here, in the confluence of need and opportunity, that we envision “SEDPI KaLusog” blossoming, providing essential healthcare services while simultaneously nurturing the local socio-economic landscape.

Envisioning a comprehensive and inclusive approach, “SEDPI KaLusog” is designed to weave a tapestry of healthcare services that are not only accessible but also tailored to the unique needs of our community. The envisioned services under this program encapsulate:

  • Mobile annual physical exams, ensuring consistent health monitoring,
  • A dedicated laboratory, providing crucial diagnostic services,
  • A clinic, acting as a nexus for healthcare in the community,
  • Teleconsultations with specialists, bridging geographical barriers,
  • Home visits by healthcare professionals, ensuring no member is left behind, and
  • A pharmacy, safeguarding access to essential medications.

In order to navigate the manifold aspects of community health, we’ve allocated a budget to on-board 2 General Practitioner doctors and 7 nurses, dedicated to community health maintenance. This team will act as the backbone of “SEDPI KaLusog,” ensuring our members have consistent, reliable access to professional healthcare.

In this light, our collective journey forward, in partnership with the Ateneo School of Public Health and Medicine, is not just a fusion of academia and practicality but a symbiotic relationship, where we leverage each other’s strengths to uplift, empower, and safeguard the health and prosperity of our communities.

Benefits to ASMPH


The proposed collaboration with the Ateneo School of Public Health and Medicine (ASMPH) transcends mere cooperation; it is an investment in synergizing academia and practical, on-ground applications to forge a future that is both sustainable and impactful.

But what does ASMPH stand to gain from this amalgamation of knowledge and fieldwork?

  • Students will immerse themselves in real-world experiences, an invaluable complement to theoretical learning, while enhancing interdisciplinary collaboration and networking. Engaging with the community and understanding the nuances and challenges of public health from an on-ground perspective will mold them into professionals with both expertise and empathy.
  • Research and Publication Opportunities will be abundant, as our diverse and rich community contexts provide a plethora of scenarios to explore, analyze, and document, contributing to the academic and global health discourse.
  • Implementation of Health Innovations will be direct and immediate, as our communities become living laboratories where theories are tested, refined, and implemented, ensuring that innovations are not confined to paper but see the light of day, impacting real lives.
  • And most paramount, Cultivating Social Responsibility and Community Engagement among the students and faculty. Engaging with SEDPI ensures that every research, every innovation, and every interaction leaves a tangible, positive imprint on the community, embedding a spirit of social responsibility and active community engagement in the hearts of future healthcare leaders.

Together, with SEDPI’s pragmatic approach and ASMPH’s academic prowess, we weave a future where healthcare is not a privilege but a right, accessible to all, irrespective of socio-economic stature. This partnership symbolizes a future where every Filipino, regardless of their socio-economic status, has access to quality healthcare, a future sculpted by our collective efforts, expertise, and unwavering commitment to social responsibility.

Sustainability

In our endeavors with “SEDPI KaTambayayong,” our damayan program, we’ve witnessed firsthand the inspiring spirit of collective responsibility and willingness among our members to contribute to shared objectives. Since its inception in 2017, we have extended 23.86 million in cash assistance to our members. This is a resonating testament that our members are not seeking handouts, but are earnestly willing to provide a counterpart, actively participating in initiatives that uplift not only themselves but also their fellow community members.

Fast forward to the present year, as of August 2023, our KaTambayayong program has disbursed 4.72 million pesos in financial assistance, delineated as follows:

  • 3.3M for death assistance, benefitting 132 members
  • 0.8M for hospitalization assistance, aiding 1,069 members
  • 0.3M for accident assistance, supporting 177 members
  • 0.2M for credit insurance claims, assisting 49 members
  • 0.1M for calamity assistance, reaching 221 members

This breakdown is more than mere numbers; it is a tangible reflection of our active and empathetic community, where every peso contributes to alleviating the burdens of life’s unforeseen challenges for our members. It is a clear demonstration that, when structured effectively, community members are more than willing to contribute towards mutual support systems that provide security and assistance in times of need.

The spirit of “damayan,” or communal unity and support, runs deep within our initiatives, and it is this spirit that we hope to encapsulate and further with “SEDPI KaLusog” in collaboration with ASMPH. By harnessing this inherent willingness to contribute and support one another within the community, we stand poised to craft a future where health and wellbeing are not only universally accessible but are also sustained and fortified by the very community they seek to serve.

SEDPI-ASMPH partnership

In conclusion, esteemed colleagues, the path that stretches before us is not merely a collaboration; it is a confluence of visions, resources, and aspirations, all converging towards a future that embodies inclusivity, empowerment, and holistic well-being for our communities. With SEDPI’s on-ground insights and expansive reach, combined with the academic excellence and innovative drive of the Ateneo School of Public Health and Medicine, we stand on the brink of something truly transformative. Our collective journey is not just about healthcare provision; it’s about sculpting a future where every individual, regardless of their socio-economic status, is enveloped in a safety net that encompasses not just physical well-being but also social, economic, and emotional stability. As we embark on this exciting venture, our guide will be the spirit of ‘damayan’, which has perpetually fueled our initiatives, and the unwavering belief that through cohesive action, research, and empathy, we can manifest a future where prosperity, health, and empowerment are not just ideals but lived realities for every Filipino. With unbridled optimism and steadfast resolve, let us step forward together, crafting a narrative that transcends our individual capacities and scribes a future that stands testament to the indomitable spirit of collective endeavor, empathy, and social responsibility. Thank you.