A Microfinance NGO

KCCDFI Building

Zamboanga City, Philippines

+6362 955 2656

Client Support

Mon - Fri: 8:00 - 17:30

Office Hours

Our Mission

In partnership with its allied institutions, KCCDMFI will continuously provide responsible and competitive microfinance products and services for the empowerment of its partner-organized communities.

Our Vision

A trusted partner of poor households empowered to build sustainable livelihoods and communities.

Our Core Values


The heart and soul of KCCDMFI is compassion for the poor. This means having sympathy for the hard life of the poor people; sharing their fears and hopes; and being devoted to alleviating their condition.


The purpose of KCCDMFI is to serve the poor, predominantly women-headed households, with low levels of formal education and burdened with care for their family. Staff should acquire and put to practice the knowledge, skills and attitudes of social workers in dealing with them as unique individuals with their own life history and capacities.


We strive to be the best microfinance provider for the poor. We designed most appropriate loan products and services that enables the poor to fully mobilize their household assets for the improvement of their lives. We aim to employ the best and the brightest staff and provide good compensation and benefits. We trained and build up our clients to become good leaders in the community.


Honesty is the best policy at all levels of the organization. Honesty is being truthful and fair in all dealings within the organization, with clients, stakeholders and government. Honesty begets trust and builds confidence, doing otherwise harms the organization and the poor that we aim to serve.


Each and everyone in the organization has a role to play and contributes to its success or failure. We achieve our goals by working together as a team. Teamwork makes the dream work.


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, leisure and home life. We should learn to work smart and consider work not just a means to earn income but must be fulfilling and fun.



KCCDMFI had a loan portfolio of P143,554,580.03 as of March 2019. It managed a total of 16,256 accounts in 18 branches in Zamboanga City, Zamboanga Sibugay, Zamboanga del Norte and Marikina City. It is currently expanding its loan products to effect a wider inclusion among marginalized Filipinos.

In December 2018 the KCCDMFI board of trustees adopted a new vision-mission- core values-statement, and formulated a five-year plan with the following goals:Targeting 31,948 enterprising poor in defined areas within the Philippines with a P314.9 million loan portfolio and a projected net income of P30.8 million at the end of 2023

KCCDMFI will strictly adhere to the standards of the Microfinance NGO Act on governance, financial (using PESO rating) and social performance to qualify for the 2% gross receipts tax for microfinance NGOs starting January 2019.

KCCDMFI shall pursue the following objectives to push the organization to a higher level in the next five years:

  • To synergize the different KCCDMFI institutions that deliver capacity building and enterprise development services;
  • To delight members with proactive products and services;
  • To make KCCDMFI a happy and rewarding place to work in;
  • To ensure financial sustainability of KCCDMFI;
  • To actively participate in the microfinance industry and NGO-MF’s initiatives; and
  • To maintain the trust of partner institutions and regulator agencies.

The illustration below represents the organizational strategy of creating three institutions that deliver services to poor organized communities centered in the barangay-based Kasanyangan Community Clubs (KCCs). These institutions are KCCDMFI, Kasanyangan Mutual Benefit Association (KMBA) and Kasanyangan Foundation, Inc. (KFI).  KCCDMFI provides financial services such as savings and loans. KMBA offers micro-insurance services. KFI extends support services in business and community development, and training and continuing education to client-members and staff.

What we've done so far...

The President’s Report

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.

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ComDev Projects Make Strides in KCC Barangays

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.

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Computerization: A Journey Towards Digitalization

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.

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