FSSI is committed to provide social investments as a contribution to sustaining local economies and eco-systems. We took it as a responsibility to facilitate social investments that lead to triple bottom lines in terms of economic viability, ecological soundness and social equity. We nurture partnerships that help empower the poor to become productive members of society and as stewards of our natural resources.

We support social enterprises that undertake development, production, processing and marketing of commodities by the marginalized social sectors. We believe that growing social enterprises requires the support of both state and non-state stakeholders. It also entails capacity building through awareness building and education. And so we support alliances among social enterprises and civil society, as well as with LGUs, government agencies, and the rest of the business sector that are inclined to working with social enterprises.

The social enterprise investment fund is aimed at primary cooperatives, cooperative federations, community-based organizations, alliances/network of civil society organizations, private enterprises, and community financial institutions. We also support initiatives that are part of local convergences on the following:

–  local economic development partnership;
–  cluster of municipalities sharing an ecosystem;
–  integrated area development cluster;
–  sector- or industry-based formations;
–  marginalized community, such as a community of indigenous people or upland dwellers.

Our social enterprise investment fund consists of project loans, asset management products, equity contribution and grants.

Project Criteria. Triple Bottom Line or the interface of the economic, social and environmental serves as FSSI’s conceptual guide in project development, appraisal, approval, monitoring and evaluation. We support partnerships that promote the Triple Bottom Line through social enterprise development, community governance and advocacy.

General eligibilities

1.Cooperatives and cooperative federations,
2.SMEs registered as stock corporation,
3.SMEs registered as partnership or single proprietorship,
4.Community Financial Institutions, that includes cooperatives, cooperative federations, cooperative banks, NGOs, and rural banks which are providing financial services in marginalized communities,
5.Non-Government Organizations (NGOs), and,
6.Peoples’ Organizations (POs).

An application should submit proof of legal, juridical personality based on Philippine laws, describe their track record, and documents pertaining to their financial condition.

Application We accept applications throughout the year. If you are interested to avail a product of Social Enterprise Fund, you may download your application here. Applications may be sent by mail or e-mail to FSSI.

Appraisal The assigned Development Services Unit staff of FSSI conducts the project appraisal. The process consists of desk review, field visit, and meeting with the proponent. Additional information may be requested during the appraisal period.

Approval The appraisal report is reviewed by FSSI’s Development Services Unit en banc and presented to pertinent bodies for review and final approval. After which, notice of approval is sent to proponent and documentation of contract starts.

Social Enterprise Fund Products

FSSI believes in providing opportunities to communities to improve people’s means of living in a sustainable manner and in scaling-up social enterprises.

Eligible organizations:

a. Cooperatives;

b. Cooperative federations;

c. SMEs registered either as stock corporation, partnership or single proprietorship;

d. Community Financial Institutions, that includes cooperatives, cooperative federations, cooperative banks, NGOs, and rural banks which are providing financial services in marginalized communities; e. Non-Government Organizations; and,

f. People’s Organizations. Loans are provided for a specific business proposal or business activity. The general terms are classified as either term loan or credit line.

Term loan – a type of loan released in lump sum or in tranches and payable in fixed number of equal instalments on principal plus interest.

Credit line -a type of loan arrangement wherein a borrower can draw from a maximum amount of credit at any time during the validity period. The amount of credit drawn is payable in fixed number of instalment(s). Loan interest rate varies based on type of loan and is generally set lower than most commercial rates.

Loans Products



Enterprise Loan – is for acquisition of additional capital assets and for increasing working capital of an enterprise engaged in commodity production, processing and marketing. Loan amount is up to Php 20M. Maturity is 1 year to 5 years.



Start-up Enterprise Loan– is intended to support up-scaling of a newly established enterprise that promises to contribute in improving participation of target social sector in a local value chain. Loan amount is up to Php3M. Loan maturity is up to 5 years.


Bridge Financing – is a short-term loan for emergency financing requirement of enterprises. Loan amount is up to P500,000 and maturity per drawdown is up to 1 year.



Business Development Services (BDS) Loan – is a soft loan to help finance enterprise investments other than capital assets acquisition such as for research and development, patenting, market development, organizational development, skills and competency enhancement.


CFI Commodity Production Loan – is a loan extended to CFIs for the purpose of extending loans to individual borrowers engaged in production, processing and trading of agricultural and fishery products. Maximum loan amount is Php 30M. Maturity is 1 year to 3 years.