Zamboanga City, Philippines
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In partnership with its allied institutions, KCCDMFI will continuously provide responsive and competitive microfinance products and services for the empowerment of its partner-organized communities.
A trusted partner of low-income households empowered to build sustainable livelihoods and communities in the Philippines.
The heart and soul of KCCDMFI is a compassion for the poor.
This means having sympathy for the hard life; sharing their fears and hopes; and devoted to alleviate their condition. It also means recognizing their God-given dignity and rights and having faith in their capacity to improve their lives with the right resources and opportunities.
The purpose of KCCDMFI is to serve the poor.
We serve the predominantly women headed households, low levels of formal education and burdened with care for their family. Staffs should acquire and put the practice to knowledge, skills; and attributes of social workers in dealing with them as unique individuals with their own life history and capacities.
Staff should know them not just as clients and customers, but as partners working to improve their livelihood and living conditions.
We strive to be the best financial institution for the poor.
We do this by providing them the most appropriate loans and services that can mobilize fully the assets of the poor households such as the skills, social network, savings, access to land and natural resources, ambition to feed their family, build decent housing and send their children to school for a better future.
We are always looking for ways and means to improve our products and services thru continuing education, research, study, mentorship and training of staff and clients. We aim to employ and the brightest staff, provide good compensation and benefits and build up leaders in the community.
Honesty is the best policy at all levels of organization.
Honesty is being truthful and fair in all dealings within the organization, with clients, stakeholders and government.
We practice zero fraud by any staff. Fraud destroys the job and life of erring staff; destroys the organization and harms the poor we aim to serve.
We achieve our goals by working together as a Team.
Each and everyone in the organization has a role to play and contribute to its success.
Teamwork makes the dream work.
We should learn to work smart and not hard.
KCCDMFI supports a proper balance between work and life of staff and clients. We make sure that daily and weekly working hours are reasonable to provide time for rest and home life.
Work should not just be a means to earn income, but must be fulfilling and fun.
Institutional Objectives
Social Performance Goals
Reaching Our Target Partners
KCCDMFI is committed to reaching out to low-income households, especially women and marginalized sectors.
Meeting Our Partners’ Needs
KCCDMFI is committed to addressing poverty and empowering our Partners through financial and non-financial services that are responsive to their needs.
Changing Our Partners’ Lives
KCCDMFI is committed in serving our Partners and transforming their lives and community into a vibrant and progressive future.
To sum up our annual report, we have recovered from the downfall that started in 2014, and we have a five-year plan from 2019 to 2023 to grow KCCDMFI by 300% in outreach, loan portfolio and revenues by 2023.
We had substantially recovered by 2018 and we are confident we can move forward to a brighter future.
Luming has helped formulate seven goals for KCCs to be integrated into people’s daily lives. These include livelihood training, entrepreneurial development, decent housing, access to health and social services, education for all, environmental protection, and preservation of arts, culture and sports. After all, Luming concludes, community organizing is a way of life, not a project.
The computerization of KCCDMFI MIS is an affirmation of one of KCCDMFI’s core values; the value of balance of work and life. With computerization, FCOs have more time for their respective families, and they can home early since recording errors have been minimized and transactions have been automated and computerized.