Agri-Negosyo (ANYO) Loan Program by Department of Agriculture

Agriculture remains the backbone of the Philippine economy, providing livelihoods to millions of Filipinos.

However, many small farmers and fisherfolk (SFF) continue to face financial challenges that hinder their ability to grow and sustain their operations.

Recognizing these challenges, the Philippine government, through the Department of Agriculture (DA) and the Agricultural Credit Policy Council (ACPC), has introduced the Agri-Negosyo (ANYO) Loan Program.

This program aims to provide accessible capital to marginalized farmers, fishers, and micro and small agri-fishery enterprises (MSEs) to transform them into successful agripreneurs.

Table of Contents

What is the Agri-Negosyo Loan Program?

The Agri-Negosyo Loan Program is designed to address the capital requirements of individual small farmers and fisherfolk, as well as their organizations and associations.

This loan facility enables them to improve the efficiency, productivity, and profitability of their agricultural and fishery operations.

By offering financial support, the program helps these individuals and entities engage in income-generating activities that contribute to their overall economic well-being.

Eligibility and Loan Features

Who Can Apply?

The ANYO Loan Program is open to a wide range of applicants, including:

Small Farmers and Fisherfolk (SFF): Individuals registered or enrolled under the Registry System for Basic Sectors in Agriculture (RSBSA).
Micro and Small Enterprises (MSEs): These include businesses engaged in the production, processing, marketing, and distribution of agri-fishery products. MSEs can be single proprietorships, partnerships, corporations, cooperatives, or associations.
Farmer and Fisherfolk Organizations/Associations: Registered entities whose members are farmers and fisherfolk are also eligible to apply.

Loan Purpose

The loans provided under the ANYO program can be used for various purposes, including:

Production: Financing for agricultural and fishery production activities.
Processing: Support for the processing of agri-fishery products.
Marketing: Funds to aid in the marketing and distribution of products.
Acquisition of Machinery/Equipment: Financial support to acquire necessary machinery or equipment.
Construction of Facilities: Loans to construct or improve facilities essential to the operations.

Loan Amount and Terms

The program offers flexible loan amounts depending on the borrower’s needs:

Individuals: Up to PHP 300,000 can be borrowed by individual farmers and fishers.
Micro Enterprises: Loans of up to PHP 3 million are available.
Small Enterprises: Eligible entities can borrow up to PHP 15 million, depending on their assets.

Other notable features include:

Interest Rate: A low interest rate of 2% per annum with a service fee of up to 3.5%.
No Collateral Required: Borrowers are not required to provide collateral.
Repayment Terms: Loans are payable based on the cash flow of the project but should not exceed five years.

The Role of Partner Lending Conduits (PLCs)

The DA-ACPC collaborates with Partner Lending Conduits (PLCs) to manage the disbursement and collection of loans under the ANYO program.

PLCs include:

Government Financial Institutions (GFIs): Such as government-owned banks and financial institutions.
Non-Government Financial Institutions (NGFIs): These include cooperative banks, rural banks, cooperatives, NGOs, and other private financial institutions.

PLCs are responsible for evaluating loan applications, disbursing funds to eligible borrowers, and monitoring loan repayments.

This partnership makes sure that loans are efficiently processed and that borrowers receive the necessary financial support.

Application Process

Applying for the ANYO Loan Program is straightforward, but it involves several key steps to make certain that borrowers are adequately prepared and that their applications are processed smoothly:

Sign-Up: Eligible borrowers must sign up at the official website, acpc.access.ph.
Program Briefing: All applicants are required to attend a program briefing, where they will be informed about the loan terms and conditions.
Document Submission: Applicants must submit all required documents, including identification, proof of registration with the RSBSA or FFEDIS, and other relevant documents, to the chosen PLC.
Evaluation: The PLC conducts an evaluation, including credit and background checks, to determine the borrower’s eligibility.
Loan Disbursement: Once the loan is approved, the PLC disburses the loan amount to the borrower.

Special Windows for Specific Groups

In addition to the regular ANYO Loan Program, there are special windows designed to cater to specific groups:

ANYO for OFWs: This program, facilitated by the Overseas Workers Welfare Administration (OWWA), provides loans to returning Overseas Filipino Workers (OFWs) who wish to venture into agribusiness.
Agri Pinay: In coordination with the DA Gender and Development (GAD) team, this program offers loans to women farmers, empowering them to start or expand their agri-fishery enterprises.

Impact and Benefits

The ANYO Loan Program has had a transformative impact on the lives of many beneficiaries, enabling them to:

Revive and Rehabilitate Livelihoods: Many borrowers have used the loans to overcome financial challenges and restart their agri-fishery ventures.
Expand Businesses: The loans have allowed borrowers to acquire new equipment, facilities, and resources, leading to increased production and profitability.
Create Jobs: The success of ANYO borrowers has contributed to job creation in the agriculture sector, boosting the country’s food security and economic growth.

Video: Pautang Na Walang Interest At Collateral Para Puhunan Sa Iyong Babuyan At Agri-Negosyo – ACPC Loan

The Agriculture Credit Policy Council (ACPC) offers various loan programs to support Filipino farmers, fishers, and aspiring agri-entrepreneurs. The Agri-Negosyo (ANYO) Loan Program provides zero-interest loans for individuals seeking to start or expand their agricultural or fishery businesses. Specific programs like AgriPinay target women in agriculture and ANYO Swine R3 focuses on rebuilding the swine industry. The ANYO CO2 loan program supports coconut farmers, while Kapital Access for Young Agripreneurs (KAYA) caters to young entrepreneurs. These programs aim to promote sustainable agricultural development and empower Filipinos in the agricultural sector.

Conclusion

The Agri-Negosyo Loan Program stands as a testament to the Philippine government’s commitment to uplifting small farmers and fishers, transforming them into empowered agripreneurs.

By providing access to capital with favorable terms, the program fosters a more sustainable and economically viable agriculture sector, contributing greatly to the country’s rural development and food security.

As the program continues to expand and reach more beneficiaries, it demonstrates the potential of government efforts in creating opportunities for marginalized communities, ultimately paving the way for a more prosperous and inclusive future for all Filipinos.