Macayan Savings and Loans offers non-collateral loans with lower interest rates and have flexible terms, so Partners can choose the repayment schedule that works best for their business. These loans come with a savings program that aims at encouraging and strengthening the savings habit of Partners, as well as, to ensure that they have sufficient funds for future varied uses such as additional business capital. Partners are also provided with Micro Insurance, specifically designed for low-income households, that could help their families in times of emergencies.