Hindi lamang individual members ng Social Security System (SSS) ang may pagkakataong mabigyan ng pautang ng ahensiya, ngunit maging ang member-employers din nito. Ang mga kompanyang iyon, kabilang na ang start-ups at small and medium enterprises (SMEs), ay makakakuha ng suportang pinansiyal sa pamamagitan ng SSS loans na naglalayong makatulong sa pagpapaunlad ng negosyo at industriya.
SSS Business Development Loan Facility
Sa pamamagitan ng Business Development Loan Facility, maaaring maisakatuparan ng SSS member-employers ang plano nilang expansion, diversification, at iba pang business development projects. May malaking parte din dito ang SSS accredited participating financial institutions (PFIs).
Requirements para maging eligible
Itinuturing na eligible borrowers ang bago o dati nang pribadong negosyo at industriya, kasama na ang registered Barangay Micro Business Enterprises (BMBEs). Sila ay puwedeng single proprietorship, partnership, o corporation, basta hindi bababa sa 60 percent ang pag-aaring Pinoy. Pasok dito ang cooperatives at non-governmental organizations (NGOs).
Kailangan na ang negosyo ng eligible borrowers ay rehistrado sa ilalim ng Philippine laws, tulad ng mga sumusunod:
- Agri-business
- Food processing
- Manufacturing
- Commercial production
- Service-oriented enterprises
- Tourism-related projects
- Real estate development projects
- Sustainable energy projects
- Extractive industries
- Forest development projects
- Trading business
- Leasing/lending business
Kailangan na magpakita ng proven track record of profitability ang dati nang tatag na negosyo ng eligible borrowers. Kung may losses man sa alin man sa nakalipas na tatlong taon, ang average income ng nakalipas na dalawa o tatlong taon ay dapat positive.
Hindi applicable ang ganitong requirement sa mga negosyong natatag lamang sa nakalipas na limang taon, pero dapat magpakita ng projection of viable operations na may debt-equity ratio na hindi lalagpas sa 3:1 after financing.
ADVERTISEMENT - CONTINUE READING BELOWWhat other parents are reading
Saan pwedeng gamitin ang SSS business loan
Kailangan nasa mabuting lagay ang pagiging SSS member-employer ng eligible borrowers. Halimbawa, hindi sila pumapalya sa pagbabayad ng SSS contribution at walang problema sa pagsunod sa mga patakaran sa ahensiya. Ang ilan sa posibleng paggagamitan ng loan:
- Site development
- Enhancement or modernization of existing facilities
- Construction or repair of building and other civil works
- Acquisition or repair/upgrading of machinery and equipment including furnishings
- Acquisition of land (up to 50 percent of the acquisition cost)
- Working capital
SSS Social Development Loan Facility
Dinesenyo ang Social Development Loan Facility upang magbigay ng long-term loan assistance sa pagpapaunlad ng mga pasilidad at pagtatag ng mga institusyon na pakay ang quality education at iba pang academic training programs. Kasama din dito iyong may layuning magkapagbigay ng abot-kayang serbisyong medikal at health care.
Itinuturing na eligible borrowers ang bago o dati nang pribadong medical institution na lisensyado ng Department of Health (DOH) bilang primary, secondary, o tertiary hospital, kabilang na iyong para sa mga pasyenteng aged o infirmed.
Kuwalipikado din ang bago o dati nang pribadong education institutions, tulad ng:
- Toddler/day care learning center
- Preparatory/elementary/secondary school
- Collegiate/university level
- School for Special Educations (SPED)
- Vocational and technical institutes
Kailangan lang lisensyado ng Department of Education (DepEd), Technical Education and Skills Development Authority (TESDA), Commisssion on Higher Education (CHED), at Department of Social Welfare and Development (DSWD).
Ang iba pang requirements ay nakasaad din sa Business Development Loan Facility.
SSS Fixed-Term Credit Facility
Nakatuon ang Fixed-Term Credit Facility sa SSS accredited PFIs para magawa nila ang re-lending sa mga eligible private enterprises habang mapabuti at mapabilis ang kanilang operasyon. Hangarin din ng ganitong uri ng loan ang maayos na “facilitation and flow of credit” para sa pribadong sektor at magbigay suporta sa mga organisasyon na nangangailangan ng expansion o di kaya rehabilitation.
CONTINUE READING BELOWRecommended VideosPara sa karagdagang detalye, bisitahin ang SSS website.
What other parents are reading
Enter your details below and receive weekly email guides on your baby's weight and height in cute illustration of Filipino fruits. PLUS get helpful tips from experts, freebies and more!
We sent a verification email. Can't find it? Check your spam, junk, and promotions folder.
Don't Miss Out On These!
