livelihood for ofwLivelihood Development Program for Overseas Filipino Workers (OWWA-NLSF-LDPO) is a joint undertaking of OWWA and National Livelihood Support Fund (NLSF) to address the economic component of the OFW Reintegration Program. It is meant to further improve access to entrepreneurial development opportunities and credit facilities to OFWs, their families, and organizations. Possible enterprises include: (a) trading (general merchandise and buy and sell, etc.), (b) services (repair shops, restaurants, parlors, etc.), (c) manufacturing (meat/fruit processing, shoes, etc.) and (d) agri-business (tilapia culure, piggery, poultry, etc.).

The OWWA-NLSF LDPO (The Program) shall provide entrepreneurial development services and credit facilities to OFWs, their families, and organizations to improve their economic productivity and general welfare.

The OWWA-NLSF Livelihood Development Program currently has the Collateral Loan Window for individual and group borrowers

Acceptable Purposes of Loan
1. Working capital – for purchase of merchandise goods and/or raw materials
2. Business assets acquisition (except lot) – for purchase of machines/equipment
3. Business site construction or improvement

Eligible Borrowers
1. Member-OFWs and former member-OFWs
2. Their immediate family members (one family member per one OFW)
3. For married OFWs: spouses or children of legal age
4. For single OFWs: parents or siblings of legal age
5. OWWA LDPO beneficiaries with good repayment records
6. Legally organized groups of OFWs (partnerships / corporations, OFW organizations / associations / cooperatives & Federations)

Loan Packages

1.Collateral Loan Window

* Partnerships with less than five (5) members are entitled to a maximum of P 200,000.00 each member
* Service Fee = Four percent (4%)
* Facilitation Fee = Three percent (3%)
* Total interest rate per annum plus fees not to exceed 16%
Interest Rate: Prevailing market rate
Collateral: Promissory notes
Loan Utilization: Livelihood Projects

Loan Requirements

For Individual Borrowers

1. Proof of OWWA Contribution (passport with POEA-LAC stamp, information sheet from OWWA, POEA-attested Employment Certificate, or E-card)
2. Business Plan / Project Feasibility Study
3. Financial Statement in case of existing business
4. Business permit / license (pre-release condition)
5. Collateral papers (REM or chattel mortgage)

Additional Requirements if availee is an immediate family member:
1. Marriage Contract and consent (for married borrowers)
2. Birth Certificate and authorization (for single OFWs)

For Group Borrowers

1. Proof of OWWA Contribution at least among officers
2. Business Plan
3. Financial Statement in case of existing business
4. Collateral Papers / Ownership Titles
5. Promissory Note for Non-collateral Loan Window

Additional Requirements for group loan borrowers::
6. Registration with Securities and Exchange Commission (SEC) for partnerships & corporations; Cooperative Development Authority (CDA) for cooperatives; and Department of Labor and Employment (DOLE) for associations.
7. Basic organizational instruments:

1. Articles of Incorporation for corporations
2. Ratified group By-Laws or Mutually Agreed Term for partnerships
3. Articles of Incorporation for cooperatives
4. Constitution and By-laws for associations

8. Board resolution or group/partnership resolution specifying intent to undertake a group/partnership project or expand a group/partnership project using capital to be borrowed from the OWWA-NLSF-LDPO

Loan Application

Loan applications may be filed at all OWWA Regional Welfare Offices together with the following standard requirements:

1. Accomplished application form (with 2×2 picture)
2. Sketch and routes of residence and/or business site
3. Other requirements if applicable:

* Price quotation
* Bill of materials or building plan

Assets Acceptable as Collateral and Required Documents (For Collateral Loan Window)

1. Real Estate Property
unmortgaged with no delinquent realty tax and with appraised value of not less than the loanable amount.
a. Land title
– Transfer Certificate of Tiltle (TCT)
– Tax Declaration
– Current Realty Tax Payment Receipt
– Location Plan with Vicinity Map

b. Ancestral Land
– Tax Declaration
– Certificate of Non-delinquency

2. Chattel / motor vehicles / machines / equipment (brand new up to 3 years)
a. Motor Vehicle
– Certificate of Registration
Insurance Policy Coverage

b. Equipment/ Machine
– Official receipts

OWWA’s Livelihood Projects
Business Plan Format for Groceria
Market and Feasibility Study
NLSF-OWWA LDPO Application Form


Disclaimer: is not connected in any way with the listed financing programs being offered here. For more information and advice, please call directly the institution involved.

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