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).

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.

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.

LOAN

Our loan products include:

  • Microfinance program
  • Start-up enterprise loan
  • Bridge financing/Purchase order financing
  • Enterprise loan
  • Agri-credit
  • AIF business incubation
  • Business development
  • Agro-enterprise
  • Capital assets
  • Renewable energy
DEVELOPMENTAL DEPOSIT

Qualified applicants for developmental deposit include:

  • Secondary cooperatives

  • Cooperative banks

  • Rural banks
EQUITY
  • Venture capital for social enterprises

GRANT
  • Start-up enterprise grant
  • Capacity building grant
  • Advocacy grant
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

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FSSI NEWS

Quezon City, Metro Manila – The International Co-operative Alliance-Asia and Pacific (ICA-AP) held its Regional Assembly and 11th Cooperative Forum on November
The Zero Extreme Poverty 2030 (ZEP2030) Coalition held its annual assembly at the Bayanihan Center in Pasig City on November 24, 2023.
Davao City, Davao del Sur – The Foundation for a Sustainable Society Inc. (FSSI) joined the 6th Renewable Energy Congress
Quezon City, Metro Manila – In a collaborative effort to address the urgent issues stemming from climate change, the Caucus of
Trunk to Gold (T2G Agri), a women-led social enterprise partner of FSSI, had the distinct honor of representing Region 10
A learning session on Generative AI (artificial intelligence) was jointly hosted by the Association of Foundations (AF), Caucus of Development
In the pursuit of sustainable development and women economic empowerment, the Foundation for a Sustainable Society Inc. (FSSI) has partnered
More women-owned and -led social enterprises (WSEs) receive support through the Foundation for a Sustainable Society Inc. (FSSI)’s Investing in
The Kilusang Lima para sa Lahat Multi-Purpose Cooperative (K5 COOP) celebrated the inauguration and blessing of its Peaks and Waves

Social Enterprise Stories

The experience of Greentropics and the Blaans of Matutum is living proof that the Planet bottom line can never be
At the height of the COVID-19 pandemic, PRIME Innov8 Manufacturing Co. was among the enterprises that responded to the high
COMAVEMCO demonstrates that an enterprise built on strong foundations of looking after its people, nourishing its community, and taking care

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