Maya, the no. 1 digital bank in the Philippines, is bridging the credit and education gap for micro, small, and medium-sized enterprises (MSME) through its Negosyo Serye program, which merges financial literacy with seamless loan access.
The program targets eligible MSME owners who operate Maya Center businesses, offering them skills in financial management, growth opportunities, and streamlined access to Maya’s lending products. Maya Centers offer a broad range of essential financial services, including remittances, bill payments, cash-in, cash-out, and reloading—creating a convenient one-stop solution for everyday financial needs.
“Financial literacy programs often leave entrepreneurs without a way to put their learning into practice,” said Renan Santiago, Maya Head for MSME Business and Retail. “We empower MSMEs with essential financial skills and seamless access to credit—equipping them with both the knowledge and the tools to take immediate action for growth.”
Entrepreneurs like Mylene Laguio from Quezon City have already experienced the benefits. As a Negosyo agent, Laguio recently secured a ₱150,000 loan through Maya Advance. She said, “With Maya’s Negosyo Serye, I got financial training, instant credit, and franchising opportunities—all in one place. It’s a faster, more complete solution that is helping me grow my business quickly and efficiently.”
Breaking barriers for MSMEs
MSMEs in the Philippines often struggle with financial literacy and credit access, limiting their growth potential.
Maya’s Negosyo Serye addresses these obstacles by teaching budgeting, saving, and investing, alongside responsible loan use. Participants also explore business expansion opportunities, such as franchising, within the session.
Qualified MSME merchants can obtain loans through Maya Advance, with credit limits up to ₱350,000—all without the paperwork and collateral typically required by traditional banks. Real-time loan approval replaces the usual weeks-long wait, offering much-needed speed to small businesses.
“This seamless model is part of Maya’s broader plan to create a one-stop digital ecosystem for MSMEs,” said Santiago. “By combining education, business opportunities, and fast credit, we’re eliminating the friction that holds back micro-entrepreneurs. Our goal is to make sure they can take action when ready, without the delays typical of traditional loans.”
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