Providing easy access to Credit for Non-bankable Entrepreneurs
Empowering
businesses
Tranforming
lives
HUBLAG, a local term for “movement,” opens access to economic opportunities by serving the micro-credit needs of communities in Panay Island, particularly in agricultural areas. GRF HUBLAG is the development finance program of the Gerry Roxas Foundation.
WHO WE ARE
Catalyzing socio-economic mobility in Panay communities
GRF Hublag began operations in 1987 with P500 loans for the working capital needs of 500 non-bankable micro-entrepreneurs. Today, Hublag microcredit operations evolved to five service windows to respond to the credit needs of a wider range of clients. It serves over 3,500 partners through a network of 7 branch offices in 16 towns with an outstanding loan portfolio of P 54.31 M.
GRF Hublag‘s UNIQUE advantage to provide financial support and ready market access.
GRF Hublag’s holistic approach to assure our partners of a sustainable relationship.
our partners
HUBLAG KAMO WITH GRF!
We have been providing easy access to credit for non-bankable entrepreneurs for 34 years.
Micro Enterprise Loans
GRF HUBLAG provides working capital or fixed asset financing loans to micro-entrepreneurs with one year business experience.
Cottage Scale Business Loans
Micro-entrepreneurs who have attained sustainable micro-scale operations yet need to expand can borrow from P30,000 to P200,000.
Providential Loans
Public and private employees require funds for regular lump sum disbursements of a providential nature that their monthly income cannot cover.
WHAT MAKES HUBLAG UNIQUE?
We not only help finance your business but we also help connect you to buyers beyond Capiz!
Capital Financing
We provide capital financing to qualified partners to help them grow their business.
Equip Partners
We equip our partners with entrepreneurial skills and knowledge such as book keeping, record keeping, credit awareness, budget, cash flow management.
Connect
We connect our partners to buyers to expand the market and reach of their products
Market Access
We have access to bring your products from the farm to Metro Manila markets such as:
Farmer's Market in Cubao, Royal Duty Free in Subic, and Alimall in Cubao.
"Never doubt that a small group of thoughtful, committed, citizens can change the world. Indeed, it is the only thing that ever has."
Margaret Mead
"If we can do it, we can do it better, right from the start."
Kim Reyes
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MOU signing with Presidents of 15 rice and corn farmer associations with Hublag
Padayon ta, pasa-p ...
asa naton ang suga kag himuon ang tanan agud indi mapatay ang suga sa pagbulig!
We believe that with the right partner and credit assistance, the farmer-partners’ potential for growth and development is higher!
Kudos Hublag! Appreciate the support of OPA Mam Sylvia and Mr Perez and our organic suppliers JMC and Vigor
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Hublag is committed to help
protect Mother Earth.
By integrating environmental stewardship to our m ...
icrofinance services, we not only raise awareness about climate change but also take tangible steps to mitigate its impact by planting mangrove seedlings in Barangay Agojo in Roxas, Capiz 🌱and in Barangay San Manuel in Puerto Princesa, Palawan 🎏🎣 .
We believe that no matter how small we are, this can inspire others to do the same.
- Indeed another milestone achievement!🌿and …we will be back!!🤣
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Value creation cycle - Hublag way - A toast to our 1 year partnership with Fishta Seafood Inc. as we ...
look back to our efforts in creating market access to our small fisherfolks for a sustainable livelihood through partnerships. We never thought we have delivered almost 10 tons of chilled fish to Manila. This trust to serve led us to another partner, Agro-Digital who opened an opportunity for us to deliver to Marriott Hotel in Iloilo.
Thank you for the patience and the shared desire that no small amount of passion can stop us from serving….the Hublag way!
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Cheers to the memories and moments that made this year unforgettable.
Ending the year on a high not ...
e with gratitude and joy as .. 50 knapsack sprayers were given to our outstanding partners during the Annual Outstanding Partner's Awards on December 14, 2023.
The knapsack sprayers were bought from the proceeds from the concert we organized last May: “Harana sa Mangunguma”
Never doubt that a small group of committed citizens can change the lives of people… we can not change everything in life, but we can change the way we do…
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Capiz entrepreneurs “Capiztahan” joins Palenque, the newest wing in Gateway Alimall 2 - kudos to ...
GRF Hublag for supporting them!👏👏👏
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It is our honor to be part of this event and be recognized of our valuation contribution to the Resp ...
onsible Seafood Sourcing movement as an Enabler. Kudos to GRF Hublag MIcrofinance Foundation..Let us keep up the good work!!
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GRF Hublag partners with Philippine Tuberculosis Society Inc. (PTSI) the largest private non-governm ...
ent organization engaged in the detection, control, and treatment of tuberculosis in the Philippines since 1910.
A Memorandum of Understanding was signed last July 6 with PTSI Medical Director, Dr. Mariquita Mantalaon and Director Milet, the Engagement Director in Roxas, Capiz .
Kim Reyes, Managing Director of GRF Hublag accepts a stamp collection of PSTI paintings/seals as their gift for their gratitude in supporting their advocacy in raising awareness about tuberculosis, the importance of getting tested and adhering to treatment for all GRF Hublag partners and family.
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Hublag goes P2P : Partner to Partner
New mindset. New standards
GRF Hublag reinvigorates its partne ...
rship strategy with all of its value chain partners to ensure the sustainability of the livelihood of all its partners:
• Oyster Project Partnership with Crystal Bay as the buyer of all oysters based on agreed standards.
• Mussel Project Partnership with UP Visayas and Lorenzana Patis. UP Visayas has identified mussel farmers who will produce “Low salt-fermented mussel sauce" for Lorenzana Patis
• Zero Rice Waste Project Partnership with Ebangz Mushroom as the buyer of mushroom fruit bags produced by rice farmers from rice straw.
• Hito Project Partnership with Tateh Feeds company which provides free training to all hito farmers on proper production
process for higher hito yield and improved production costs.
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GRF Hublag Microfinance Foundation, Inc. would like to thank everyone who supported our concert for ...
a cause: “Harana Para Sa Mangunguma”.
The distribution of knapsack sprayers will be part of our awarding of Outstanding Partners in December 2023.
We look forward to your continued support in the future.
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We offer this fund raising concert for our Bosses! We hope you can support us and watch the concert ...
on May 14 at 3 pm at GRF Convention Center
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GRF Hublag Challenge: Shifting From Rice/Corn to
Adlai
We want our partner farmers to be prepare ...
d and resilient amidst the changing weather conditions that affect the productivity of their harvest. We introduced the farming of Adlai, a relatively low-maintenance crop which makes it a source of sustainable livelihood for farmers.
Last June 16-17, 2022, Adlai training was conducted in Tuburan and Dumarao with actual planting in the demo farm to introduce a resilient variety and a healthy rice alternative.
GRF Hublag challenged the partners to shift to planting Adlai and offered to buy the unmilled grain at P40 per kilo.
Adlai makes an ideal sustainable livelihood for farmers as it can survive under any type of climate condition, requires minimal irrigation as it can survive in slope areas and can benefit from rainfall, and requires minimal fertilizer.
One corn farmer in Balasan took the challenge where Hublag provided free inputs.
Kudos for the change!!
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Be serenaded by The Rhythm on May 14, 2023 at the !
Get your tickets now! Price starts at PHP 250 ...
only.
Contact Niña Sanchez:
09464912561 (Smart)
09278097810 (Globe)
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Thousands of our farmers still lack access to basic farming tools that can aid them in farming activ ...
ities and boost their yield. They also lack knowledge on how to optimize their inputs to ensure that they will get the best possible harvest with the least cost.
Our farmers are still heavily dependent on inorganic fertilizers that are not only getting more expensive by the day but also reduce the structural stability of soil over time that leads to environmental problems and loss of biodiversity.
GRF Hublag listened to our partner rice and corn farmers and we are responding to their needs by organizing a concert to raise funds for knapsack sprayers and organic fertilizers which will enable them to switch to a more sustainable method of farming.
Join us for a night of beautiful music by Steven Paysu to celebrate and honor our partner farmers. Concert is on May 14, 5PM at the Gerry Roxas Foundation Convention Center, Dayao, Roxas, Capiz.
Get your tickets now! Price starts at PHP 250 only.
Contact Niña Sanchez:
09464912561 (Smart)
09278097810 (Globe)
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GRF Hublag collabs with UP Visayas on the training of mussel farmers on long line mussel production ...
with marketing plan for low salt fermented mussel sauce with Lorins Patis last Jan 19, 2023.
Six (6) mussel associations from Cabugao, Bara, Agojo, Buntod, Ivisan , Cagay and Basiao attended the training.
Actual shucking of mussels was conducted by the Cagay association members as part of the research sampling which will serve as a starting point for the partnership with the mussel farmers who will greatly benefit from the project.
The training has been conducted by Ms Le Peralta and Dr Reynald Tan from UPV.
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December 12, 2022, after three years since the onset of the Covid 19 crisis, we were able to award ...
our 193 outstanding partners for the year at the GRF Convention Center Dayao, Roxas City.
For 35 years, GRF Hublag has been giving recognition to Hublag farmers who have shown good payment performance.
We would like to thank Mrs. Judy Roxas, Chairman of the Board and Board members, Ms Gloria Chavez, Mr. Boy Roxas and Ms Annie Villaruz for attending our event via Zoom; Ma'am Thea and Ma'am Sylvia dela Cruz and the branches’ Municipal Agricultural officers.
193 outstanding partners were awarded, 193 inspiring stories to tell. For every loan cycle, a story can be told. This activity has fueled our pursuit to create impact, despite the adversity. Their stories not only sum up our experiences and aspirations but also reflect the demands we have to face.
KUDOS to GRF HUBLAG FAM!
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Hublag conducted a 3-day activity on "low input level farming system" to improve both short- and lon ...
g- term farm profitability” and decrease the use of off-farm resources such as fertilizers and pesticides to reduce the farmers’ health risks. This was attended by the Municipal Agriculture Officers (MAO) and 125 rice and corn farmers from Maayon and Dumarao. In collaboration with the MAOs and Dept. Agriculture Provincial Agriculturist/Provincial Agriculturist Rice Program Coordinator, Hublag rice and corn farmers can enjoy lower cost of organic fertilizers, by using BioN. This costs only P 100 per pack bringing down cost of farm inputs of farmers by 50%.
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HUBLAG and Fish Right boost oyster farmers through improved production and marketing. Together with ...
the Bureau of Fishery and Aquatic Resources (BFAR), provincial agriculturists and the local government of Capiz, existing oyster sites in Agojo, Buntod, Bara, Cagay and Kulahao were assessed to prepare them for BFAR accreditation and assured buyer, Crystal Bay
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On July 30, 2022, 15 Hublag partners and 22 staff attended an Entrepreneurial Capability Development ...
Training at GRF Dayao, Roxas City, conducted by Ms. Rodelin D. Malones. Partners and staff are able to learn skills in identifying necessary resources to make a business venture as well as how to manage the marketing, production, organization and financial aspects of it.
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Hublag supports and celebrates Capiz’ young entrepreneurs!
Ms Kim Reyes has participated as a jud ...
ge in Capiz State University’s Business Plan Pitching of CAPSULE Incubatees. The event also includes the MOA signing and the graduation of the incubatees held at El Circulo Convention Center.
We look forward to seeing these products in our market.
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Hito Farming the Right Way!
Hublag organized an activity for Aqua farmers and have invited Tateh Fe ...
ed to discuss ways to improve the production of Hito. Aqua farmers, specifically those who are focused on Hito farming has attended the event learn more about how they can increase their production and improve Hito yield.
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Climate Change Training for Sustainable Farming
June 23, 2022
GRF Hublag Microfinance Foundation In ...
c. along with OPA and DA province conducted training for Hublag Rice Farming partners (across 7 municipalities/branches) held at Gerry Roxas Convention Center, Dayao Roxas City.
The training was conducted by Amefil Sagge, Assistant Provincial Agriculturist/Provincial Agriculturist Rice Program Coordinator.
Below is a summary of the training by Mr. Fernie Fernandez of Hublag:
Topics Covered:
1. The Philippine Agriculture Sector
2. Provincial Agriculture & Fisheries Profile
3. Provincial Rice Situationer
4. Climate Change and its Impacts to Agriculture
5. Climate Smart Agriculture – strategies and Interventions
6. Intervention to Mitigate Other Issues and project
Capiz is the 3rd largest Rice producing province in region 6 with an area of 50,546.02 has. In which 13,608.47 has ( 27% ) is Irrigated, 34,288.52 has ( 68 %) rainfed and 2,64.03 ( 5 % ) is upland.
The Top 5 RICE producing Municipalities of Capiz
1. Dumarao - 5,106 has.
2. Maayon - 4,485 has.
3. Tapaz - 4,461.10 has
4. Dao - 3,904 has.
5. Jamndan - 3,883.54 has
Direct Impact of Climate Change
• Increase frequency of weather extremes ( e.g. super typhoon , flood, droughts)
• Changes in crop yields
• Increase in pest and disease incidence
• More invasive weed species
• Salinization of irrigation water
• Loss of less tolerant species
• Loss of fertile coastal lands
• More unpredictable farming conditions
#grfhublag
#hublagkamowithgrf
#climatechange
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Hublag’s Adlai Model Farm
We believe in the potential of Adlai as a superior grain alternative f ...
or Filipinos’ diets as well as its potential of being a more profitable crop that can be planted alongside rice and corn to promote the long-term sustainability of partner farms as well as reduce reliance on expensive inorganic fertilizers and pesticides.
Adlai or Job’s tears, contains twice the protein found in rice and possess beneficial health benefits that help mitigate the risks to develop diabetes and allergies. It is also a highly resilient crop which makes it a great alternative given the extreme conditions that the agriculture sector faces due to climate change.
Our guest speaker, Mr. Dante de Lima, has shared his knowledge on best practices from seed selection, field preparation, cash flow management, planting of crops as well as the right timing for supplementary fertilizers.
This move will enable our farmers to achieve higher profitability per area as this superfood is highly coveted by the health-conscious population.
#GRFHublag
#hublagkamowithgrf
#AdlaiRice
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Better Seafood Philippines
31 May 2022
USAID Fish Right along with GRF Hublag Microfinance Foundat ...
ion, Inc. continue to work on programs that promote sustainable fishing across Capiz province. Hublag has committed to support responsible sourcing for the fishery sector by financing partners that adhere to BFAR’s standards and by extending support to marketing the products.
Our partner oyster farmer associations will benefit through Hublag and Crystal Bay Oyster’s partnership which will ensures that partners have adequate financing, the right training to handle fresh seafood delivery, and access to market to ensure profitability.
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We are ready to help provide our farmers, fisherfolks and SMEs here in Capiz with the capital they n ...
eed to grow their business.
Listen to this seasoned farmer’s view on agriculture and life in general.
Video 1/2
#Hublag
#hublagkamowithgrf
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