The Kapital Access for Young Agripreneurs (KAYA) Program offers loans to finance working capital and/or fixed asset acquisition requirements of start-up or existing agri-based projects of young entrepreneurs and agri-fishery graduates.

Eligible loan purpose: To finance capital requirements of start-up or existing agri-enterprise.

* Eligible loan Borrowers can avail loans under the programs up to a maximum of 3 cycles only

Who are eligible

Young agripreneurs aged 18 to 30 years old.

Graduates of either formal or non-formal agri-fishery schooling*
*including but not limited to agriculture and fishery related degrees from higher education institutions, DA and ATl-accredited programs, TESDA programs, farm schools, and secondary schools with agriculture and fishery-related courses, as defined under Section 2 (d) of RA. 11321(Sagip Saka ACt)- IRR

Loan details

Up to Php 500,00 per borrower

0% interest. The lending Conduit, however may charge a service fee of not more than 3.5% p.a to cover its administration cost.

Up to 5 years to pay
based on project cash flow


a. One (1) government-issued ID with picture

b. Loan application form

c. Simple business plan
Those not registered under the Registry System for Basic Sectors in Agriculture (RSBSA) shall be required to enroll in the RSBSA through the DA Inclusion Protocol thru the DA Regional Field Offices or thru the MAO.


  •  Government Financial Institutions (GFls)
  • Non-Government Financial Institutions (NGFls) including cooperative banks, rural banks, viable NGOs, cooperatives and other private financial institutions.

Our Partner Lending Conduits manage the credit program, disburse credit funds to eligible borrowers, monitor and collect loans from borrowers

capacity building

    •  State Universlties and Colleges (SUCs)
    • Government Agencies
    • Other non-government Business Development Services (BDS)

Our capacity building partners shall provide our borrowers with technical assistance and training, including but not limited to:

    • mentoring
    • entrepreneurship training
    • financial literacy
    • product packaging