NASA 278 kongresista ang pumabor at wala namang tumutol sa pormal na pag-apruba ng Kamara sa House Bill No. 7363, ang panukalang pagpapatupad ng Pondo sa Pagbabago at Pag-Asenso Act o P3 Act.
Ayon kay Speaker Martin Romualdez, layunin ng P3 Act na makapagbigay ang pamahalaan ng “affordable, accessible, at simple financing program” para sa micro, small enterprises (MSEs), lalo na sa mga mahihirap at malalayong lugar sa bansa.
“We believe this measure will greatly help our struggling MSEs still reeling from the effects of the pandemic, who often turn to unscrupulous loan sharks who charged excessive interests for loans,” sabi pa ng House Speaker.
“As MSEs employ millions of Filipinos, they need to grow in numbers to employ more workers. This measure seeks to enhance the entrepreneurial spirit of the Filipino by taking out two of their worries, which are high-interest rates on MSE loans and putting up collateral for financing,” dagdag pa niya.
Sinabi ni Romualdez na sa pamamagitan ng P3 Act, makapagpapatupad ang government at private financing institutions ng low interest at collateral-free financing program, partikular para sa sektor ng MSEs.
Ang pondong ilalaan para sa programang ito ay pamamahalaan ng Small Business Corporation (SB Corp.) at ibabahagi sa partner financial institutions (PFIs) nito gaya ng rural banks, thrift banks, development banks, cooperative banks, cooperatives, non-stock savings and loan associations, microfinance non-government organizations, o lending companies.
“The SB Corp., the financing arm of the Department of Trade and Industry (DTI), shall be the lead implementing agency for the P3 Fund. The SB Corp. shall handle the fund delivery to MSEs through the following modes: A. Direct lending for forty percent (40%) of the P3 Fund; and B. Lending through accredited PFIs for sixty percent (60%) of the P3 Fund,” nakasaad sa HB 7363.
“The SB Corp. shall prioritize lending to underserved and unserved areas and MSE segments of the country, subject to the review and approval of the Micro, Small, and Medium Enterprise Development (MSMED) Council,” pagbibigay-diin pa sa naturang panukala.
ROMER R. BUTUYAN