Welcome to ECLOF Philippines
Welcome to ECLOF Philippines
ECLOF Philippines Microfinance, Inc. is a Christian-based, SEC-registered, and non-government organization that envisions a society where human dignity is fully realized, people are empowered, and poverty is overcome. We pursue these by providing fair credit, sustainable agriculture support, business development services, and capacity-building programs.
Through our work, we aim to uplift underserved communities, particularly smallholder farmers and micro-entrepreneurs., by helping them build sustainable livelihoods. Guided by our core values and mission, we are committed to make a lasting impact through inclusive and empowering development.
ECLOF Philippines operates in 25 unit offices across North Luzon, South Luzon, North Palawan , and South Palawan.
ECLOF Philippines Microfinance, Inc. (EPMI) in the year 2023 recognized
change as an inherent and unavoidable aspect of life, whether it is in personal
development or organizational progress. Recognizing change emphasizes the
importance of seeing it as an opportunity for growth, innovation, and transformation,
rather than a threat. It necessitates a proactive mindset, an openness to new
possibilities, and a willingness to accept uncertainty as part of the path to progress and
success.
As we embrace change, we have improved and simplified our product offerings. The
loan management and finance systems have been digitalized, and an SMS notification
system for our clients’ loan transactions has been implemented. Stations or collection
and disbursement points have been set up so that we can reach out to far-flung
communities and better serve our clients, particularly our farmer-clients....
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We have heard many times that the only thing permanent is change.
Yet this cliché remains so true. Change is imminent, guessing the when
and the how is what makes it difficult because it will require for people to
adjust and adapt to these.
No change was bigger in 2023 than the resignation of the Executive Director of
ECLOF Philippines who had served since 2011. It was during her term that the organization
experienced rapid growth and expansion. The growth of the portfolio, clients, staff and improved
sustainability reached record levels. Indeed, it was a very successful stint and we give her credit for this
success.
As we move on to 2024, we will continue to focus on our strengths and provide
services consistent with our vision and mission. Our goal is to create positive
impact to our clients, especially to our farmer-clients.
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joined ECLOF Ph in August 2015. He started his business by selling wet and dry goods. His first loan with the organization was ₱100,000 and he used it to buy inventories such as vegetables and coconuts. Eventually, he saw a high demand of selling Buko and shifted from selling wet and dry goods to selling Buko.
joined ECLOF Ph in June 2016 with the approved loan amount of ₱10,000. He started his scrap/junk business in 2004. Back then, he also sold construction materials online as alternative source of income. Then unexpectedly, the demand for construction supplies increased, so he decided to set-up a hardware shop in 2016 at Brgy Dalig Antipolo, City using some of his savings and loans from ECLOF Ph.
is a woman with many hats. She is a farmer, a nurse at the Barangay Health Center, a wife, and a mother of six. Starting her own family at an early age, Lalaine was accustomed to working hard to provide for the family.
At the age of 25 with experiences ahead of his age, he started his own family. Zaldy has a lot of dreams, including being a reliable provider to his family. He became a staff in one of the resorts in El Nido, from purchasing to kitchen staff and even housekeeping, he has done it all while also saving up to start his own business, his very own dream.
who joined EPMI in 2018 to support her chocolate business. In a span of 4 years, she was able to expand it and opened new stores in 2 locations – Antipolo and Taytay, Rizal. With his husband in his aide, they were able to open a restaurant named “Filmayman Restowrante”, a Mexican-Filipino-American restaurant located in Cainta, Rizal.
With the continuous support of ECLOF, Kristine along with his partner Robert, was able to withstand the heavy blow of the pandemic as a food and service provider. RK’s Catering & Events re-operated last year and just last November 27, they expanded their business by opening another restaurant named “Taste Avenue”.
