The Foundation for a Sustainable Society, Inc. (FSSI) is a non-stock, non-profit organization that offers financial and non-financial products and services to social enterprises with people, planet and profit objectives, also known as the triple bottom line (3BL).
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People
The economic participation of marginalized sectors in social enterprises and value chain.
Planet
The sustainable management of local ecosystems and development of climate change adaptation, mitigation, and disaster risk reduction mechanisms.
Profit
The sustainable production of
commodities and development
of local values chains.
Governance
Sound Management
Participation
Gender and Development
Community Improvement
Environmental-Compliance
Environmental Management
Margin
Return
Stability
Our programs aim to develop sustainable local communities through 3BL strategy.
OUR PRODUCTS AND SERVICES
LOAN
Supports credit-ready enterprises to grow their business; open to cooperatives, NGOs, people’s
organizations, sole proprietors, corporations and other SMEs with at least 3 years operation
- Loan amount
- Up to Php 40 million
- Types of financing
- 1. Credit line
- Supports working capital requirements which can be drawn when needed and amortized based on the expected operating cash flow.
- 2. Term loan
- Supports business expansion that requires acquisition of additional assets or on improving system and operation which are needed to accelerate growth. Loan amount can be released based on pre-set schedule and amortized based on the short-term or medium-term operating cash flow of the enterprise.
- Interest rate
- 0.6% to 1.15% per month; subject to credit evaluation and based on diminishing balance; fixed for the entire loan term
- *No processing fees or other fees except for short-term financing of less than 6 months
- Term
- Up to 5 years, depending on business projection and cash flow
- Collateral
- Real Estate Mortgage, Chattel Mortgage, and others
- Loan windows
- 1. Enterprise Loan
- Aims to support SMEs in general. Loan purposes can vary from acquiring assets, new equipment, building construction, building/plant improvements, opening new location, launching new product/services and additional working capital.
- 2. Agro-enterprise Loan
- Aims to support agriculture-based SMEs especially those that support local value chain. Loan purpose can vary from acquiring assets, new equipment, building construction, building/plant improvements, opening new location and launching new product/services and additional working capital.
- 3. WSE Loan
- Aims to support women social enterprises. Loan purpose vary from acquiring assets, new equipment, building construction, building/plant improvements, opening new location and launching new product/services and additional working capital.
- 4. PO Financing /Bridge Financing
- Aims to support working capital requirements particularly to finance delivery of purchase orders and receivables. Loan is packaged as credit line which the enterprise can draw from during a set validity period.
- 5. Wholesale Loan for Agri-Credit
- Aims to support cooperatives, microfinance NGOs and other lenders that cater to credit needs of producers in the agri sector. Loan purpose is for lending to individual producers of agriculture and aquaculture commodities.
- 6. Wholesale Loan for Microfinance
- Aims to support cooperatives, microfinance NGOs and other lenders that cater to credit needs of micro-entrepreneurs. Loan purpose is either for individual or group lending.
- 7. Business Rehab Loan
- Aims to support recovery of business operations that was affected by natural calamities or health emergencies. Loan purpose, in general, can either be for working capital or fixed asset acquisition.
- Target partners
- Registered cooperatives, NGOs, People’s Organizations, and SMEs with at least 3 years operation
EQUITY
Invested in SEs to support them in creating positive impact on marginalized communities and operating business innovations that supports environmental management and conservation in exchange for a share of ownership.
- Amount:
- Up to Php 40 million
- Term:
- Based on business design and proposed term sheet
- Target partners:
- SEs with innovative business ideas that are in the scaling stage of development whether new or expansion
DEVELOPMENTAL DEPOSIT
Invested in secondary cooperatives and rural banks in the form of time deposits which are made available to support cooperatives and other social enterprises.
- Target partners:
- Secondary cooperatives and rural banks
FUND SYNDICATION
Participation in co-investment arrangements with other impact investors that aim to achieve particular social or environmental impact in a particular geographic area or particular social sector or group. Investments can be provided in the form of loan, equity, or developmental deposits.
- Target co-investors:
- Impact investors
- Target partners:
- Social enterprises, in general
SEED CAPITAL
- Loan amount:
- Up to Php 500,000
- Purpose:
- Working capital, expansion, PO financing, purchase of equipment/ property, launching innovative solutions
- Interest rate:
- Zero during the initial term of investment
- Target partners:
- Social enterprises that aim to reduce poverty and/or protect the environment in a specific location
IMPROVED 3BL PERFORMANCE
Access to resources on adopting and improving triple bottom line or 3BL
BUSINESS DEVELOPMENT
Access to latest innovations on industry and business, environmental management, and gender and development.
Who are eligible to apply for our products and services?
Social enterprises which has people, planet and profit objectives, which take the form of either the following:
- Cooperatives
- Microfinance NGOs
- NGOs and POs
- Corporations
- Partnerships
- Sole proprietorships
Apply now
FSSI NEWS
Trunk to Gold showcases award-winning coco products
Trunk to Gold (T2G Agri), a women-led social enterprise partner of FSSI, had the distinct honor of representing Region 10
Read more.
CSOs hold learning session on Generative AI
A learning session on Generative AI (artificial intelligence) was jointly hosted by the Association of Foundations (AF), Caucus of Development
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FSSI invests in women coops with NATCCO
In the pursuit of sustainable development and women economic empowerment, the Foundation for a Sustainable Society Inc. (FSSI) has partnered
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More women SEs receive support from IW, FSSI, FPSDC
More women-owned and -led social enterprises (WSEs) receive support through the Foundation for a Sustainable Society Inc. (FSSI)’s Investing in
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K5 Coop opens Peaks and Wave B&B in Aurora
The Kilusang Lima para sa Lahat Multi-Purpose Cooperative (K5 COOP) celebrated the inauguration and blessing of its Peaks and Waves
Read more.
Kauyagan MPC launches Center for Progress, Peace, and Resilience
he Kauyagan Savers Multi-Purpose Cooperative unveiled its Center for Progress, Peace, and Resilience on August 8, 2023, in Impasug-ong, Bukidnon.
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Call for Applications: Remedial Officer
Job Description DUTIES AND RESPONSIBILITIES: REMEDIAL (primary) A. Planning and system development Provide technical inputs on over-all strategies to reduce
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Call for Applications: Project Officer/ Credit Officer
JOB PURPOSE: The Project Officer drives marketing and promotion of FSSI’s financial services among target social enterprises (SEs) and is
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FSSI is co-chair of NGO subsector in SE council
Bayan Academy, in partnership with the BPI Foundation, hosted the 2023 Philippine Social Entrepreneurship Summit on February 23 and 24,
Read more.Social Enterprise Stories
Kauyagan Multipurpose Cooperative: Brewing Prosperity and Empowering Communities through Coffee
Cultivating Prosperity and Community in the Heart of Impasug-ong In the scenic province of Bukidnon in Northern Mindanao, Kauyagan Multi-Purpose
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May Pag-asa sa Cassava: Fatima Multi-Purpose Cooperative, a women-owned and -led social enterprise
Maria Teresa Geniston, fondly called “Tess”, was a medical sales representative in 1996 when she was invited to join a
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KPS-Small Enterprise and Economic Development (KPS-SEED) Microfinance: Nurturing the seeds of change through microfinance
The Katotohanan, Pagkakaisa, at Serbisyo Foundation, Inc. (KPS Foundation) is a member organization within the family of urban poor establishments
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