Graphics from GSIS
In support of President Ferdinand ‘Bongbong’ Marcos Jr. (PBBM)’s directive to improve access to affordable financial services to all Filipinos, the Government Service Insurance System (GSIS) has ordered the release of P27.29 billion in microloans to 463,608 active government employees through its Ginhawa Go Program.
According to GSIS president and general manager Jose Arnulfo ‘Wick’ Veloso, from October 24, 2024 to July 28, 2026, the loan facility, formerly known as Ginhawa Lite and relaunched as Ginhawa Go in February 2026, provided members with quick and affordable financing for urgent needs, helping them avoid informal and predatory lenders.
Finance secretary Frederick Go led the relaunch of Ginhawa Go last February, describing the initiative as an important safeguard against abusive lending practices among government employees.
“This program protects employees from abusive lending processes,” Go pointed out.
Under Ginhawa Go, eligible members may borrow from P1,000 to P50,000 at an interest rate of 6 percent, with repayment terms ranging from 30 days to 24 months, depending on the loan amount.
Applications are submitted through the GSIS Touch mobile app, with approved proceeds credited directly to the member’s account.
The loan also includes Loan Redemption Insurance, which settles any outstanding balance in the event of the borrower’s death, protecting the family from financial liability.
“Ginhawa Go answers a basic need for our members: quick, dignified access to credit that will not push them toward informal lenders. The volume moving through this program tells us it is filling a gap our members needed filled,” Veloso cited.
Eligible members who are interested to avail of the loan may check their qualifications and apply through the GSIS Touch mobile app or at any GSIS branch nationwide.
For information about the program, interested parties may visit the GSIS website (www.gsis.gov.ph); call the GSIS Contact Center (88474747); or visit the social media channels of GSIS.