Savings

Plant a seed today for financial security

Becoming financially secure and prosperous is like planting a seed in the garden. It takes time and care, the plant needs to be watered and nurtured, until it grows into an oak tree of prosperity.
Responsible saving is the only path to true financial security! Ask yourself, what would you do if you had to pay for an emergency this week. Would you have the savings set aside?
If the answer is no, then you aren't truly financially secure. The reality is, many wealthy people aren't fully financially secure. Financial security isn't about how much you make, but how much you keep and save responsibly.

Responsible saving isn't keeping money under your mattress or in a regular bank account! Why? Because of inflation!
Inflation reduces the purchasing power and value of your money over time. 100 peso today isn't the same as 100 peso ten years ago! This is due to inflation.
Most regular bank accounts offer a very low interest rate, which is less than the inflation rate, so the value of your savings will decrease with time.
Responsible saving makes sure your savings are protected from inflation. Responsible saving should steadily grow your savings.

Our Kabayan savings program steadily grows your savings over time to protect from inflation.
We achieve a fruitful return for Kabayan savers by allocating a share of capital within our community at interest.
Because all loans are made within our community and must be guaranteed by members, we have a very strict and close monitoring and collection process.
All interest is shared among Kabayan savers equally, we don't build any tall buildings in makati like some banks, so all profits go directly back to members. This is how we are able to achieve an excellent return for Kabayan savers.