The product is aimed at women-led micro, small and medium enterprises (MSMEs) in the Philippines.
The loans were released between June 2025 and October 2026. Of the borrowers, 1,534 are SME owners, while 414 are wage employees who also run their own businesses.
Individual loans ranged from PHP 100,000 to about PHP 8 million.
More than 95% of borrowers came from Luzon. The CALABARZON region accounted for the largest share, with 711 borrowers.
Using Vehicles as Collateral
JUANAsenso uses vehicle refinancing, known locally as “Sangla OR/CR”. Women entrepreneurs can borrow up to PHP 15 million using their cars or trucks as collateral, while keeping the vehicles.
Eligible vehicles include private and pre-owned cars, ride-hailing vehicles, pickup trucks, light delivery vans and multicabs.
The loan carries an interest rate of 0.99%, with repayment terms of up to five years.
SAFC did not specify whether the rate is monthly or annual. However, it has typically quoted its vehicle loan rates on a monthly basis, according to Moneymax.
SAFC said it targets approval within one business day for qualified applications with complete requirements.
Plans to Reach Beyond Luzon
Maricel Dejongoy
“Women entrepreneurs play an important role in the country’s economy, yet access to capital remains a challenge for many who want to grow their businesses,” said Maricel Dejongoy, SAFC President and CEO.
With most borrowers based in Luzon, Dejongoy said SAFC sees a need to expand its reach to the Visayas and Mindanao.
SAFC operates around 100 branches nationwide and on 10 November, it held JUANA TALKS, a forum on access to capital for women-led businesses.
The event brought together women entrepreneurs, business leaders and representatives from finance and government.
Featured image: Edited by Fintech News Philippines based on an image by diwdom5355 via its Magnific.
