BPI Direct BanKo, the microfinance arm of the Bank of the Philippine Islands, is expanding its efforts to help micro and small entrepreneurs grow through its NegosyoKo Loan program.
The bank said it continues to provide accessible financing despite current economic challenges, aiming to help business owners expand operations, increase income, and contribute to their communities.
The NegosyoKo Loan offers amounts from ₱5,000 to ₱500,000 with interest rates starting at around 2.75 percent per month. The loan has minimal requirements and is designed to help entrepreneurs invest in inventory, grow their businesses, and create jobs.
BanKo also promotes entrepreneurship through its “Kwentong Ngiti” series, which features real-life success stories. One example is Edwin and Jenny Constantino, who started a small bakery in Nagcarlan, Laguna. With support from BanKo over six years, their business has grown to employ nearly 45 workers and produce about 20,000 packs of bread daily, supplying nearby provinces.
BanKo presidebt Rod Mabiasen Jr. said the couple’s story shows how access to financing can help entrepreneurs succeed. He added that the bank aims to support more small business owners through loans and guidance from its field officers, known as BanKoMares and BanKoPares.
Since 2016, BanKo has assisted more than 400,000 entrepreneurs across the country. In 2025 alone, it released over ₱23.7 billion in loans to support small businesses and local economic growth.
