TACLOBAN CITY – The Land Bank of the Philippines (LBP) has created remedial actions on how agrarian reform beneficiaries (ARBs) of Eastern Visayas can pay their past-due accounts.

Rosemarie Arreglo of DAR Eastern Visayas Agri-Credit and Microfinance office said that the DAR coordinated with the LBP to help ARBs cope with their heavy burden of credit.

“We found ways on how the ARBs can pay off their loans without losing the opportunity to still acquire loans at low-interest rates to finance their farm operations and other livelihood activities,” Arreglo said.

Arreglo said the ARBs’ delinquent loans stemmed from the various credit assistance programs offered by the DAR, which the ARBs had availed.

In a meeting with the DAR, Restituta Ilagan, Manager of the LBP Lending Center, explained to the officers of the DAR Agri-Credit and Microfinance Provincial Office, that ARBs with delinquent loans could request for either extension of maturity of their loans, restructuring, or apply for the conditional condonation of penalty.

She emphasized, however, that the LBP could only grant the request for an extension of maturity if there is a valid reason such as the occurrence of calamities.

“Likewise, conditional condonation of penalties can only be approved if the
borrower pays the principal loan in full and must not miss in paying the remaining monthly dues, otherwise, the condonation of the loan penalties will be forfeited,” Ilagan said.

At present ARBs can avail of loans through the Accessible Loans for Empowered, Resilient and Transformed-Agrarian Reform Beneficiaries Organizations (ALERT-ARBOs) credit program, which is jointly administered by the DAR, Department of Agriculture (DA), Department of Environment and Natural Resources (DENR), Agricultural Credit Policy Council (ACPC), and the LBP.

DAR also offers loans through the Accessible Fund for Delivery to ARBs(AFFORD) credit program.

In the same meeting, Rhodelia Austero of the Philippine Crop Insurance Company (PCIC), advised the ARBs to register in the Registry System for Basic Sectors in Agriculture (RSBSA) to be covered of the free insurance up to ₱300,000.

TACLOBAN CITY – Gumawa ng mga aksyon ang Land Bank of the Philippines (LBP) kung paano mababayaran ng mga agrarian reform beneficiaries (ARBs) ng Eastern Visayas ang kanilang matagal nang pagkakautang.

Sinabi ni Rosemarie Arreglo ng DAR Eastern Visayas Agri-Credit and Microfinance office na ang DAR ay nakipag-ugnayan sa LBP upang matulungan ang ARB na makayanan ang kanilang mabigat na pasanin sa utang.

"Nakahanap kami ng mga paraan kung paano mababayaran ng mga ARB ang kanilang mga pautang nang hindi nawawalan ng pagkakataon na makakuha pa rin ng mga pautang sa mababang interes upang matustusan ang kanilang mga operasyon sa sakahan at iba pang mga aktibidad sa kabuhayan," ani Arreglo.

Sinabi ni Arreglo na ang mga delingkwenteng pautang ng ARB ay nagmula sa iba't ibang credit assistance program na iniaalok ng DAR sa mga ARB.

Sa isang pulong sa DAR, ipinaliwanag ni Restituta Ilagan, Tagapamahala ng LBP Lending Center, sa mga opisyal ng DAR Agri-Credit and Microfinance Provincial Office na ang mga ARB na may mga delingkwenteng pautang ay maaaring humiling ng alinman sa extension ng maturity ng kanilang mga pautang, restructuring, o mag-apply para sa conditional condonation ng penalty.

Binigyang-diin niya, gayunpaman, na maaari lamang ibigay ng LBP ang kahilingan para sa extension ng maturity kung ang dahilan ay katanggap-tanggap tulad ng mga pangyayari sa kalamidad.

“Gayundin, maaaprubahan lang ang conditional condonation o pagtanggal ng mga parusa o multa kung ang umutang ay magbabayad ng buo sa principal loan at hindi dapat makaligtaan ang pagbabayad sa natitirang buwanang dapat bayaran, kung hindi, ang condonation ng loan penalties ay mawawala,” ani Ilagan.

Sa kasalukuyan, ang mga ARB ay maaaring makakuha ng mga pautang sa pamamagitan ng Accessible Loans for Empowered, Resilient and Transformed-Agrarian Reform Beneficiaries Organizations (ALERT-ARBOs) credit program, na sama-samang pinangangasiwaan ng DAR, Department of Agriculture (DA), Department of Environment and Natural Resources (DENR), Agricultural Credit Policy Council (ACPC), at ng LBP.

Nag-aalok din ang DAR ng mga pautang sa pamamagitan ng Accessible Fund para sa Paghahatid sa mga ARB (AFFORD) credit program.

Sa parehong pagpupulong, pinayuhan ni Rhodelia Austero ng Philippine Crop Insurance Company (PCIC), ang mga ARB na magparehistro sa Registry System for Basic Sectors in Agriculture (RSBSA) upang masakop sila sa libreng insurance na hanggang ₱300,000.