BDO Network Bank (BDONB) recently held its Go Negosyo talk show titled “Kayang-kaya Kabayan” to share financial management tips and valuable insights on sustainable and adaptable business opportunities not only for local Micro, Small, and Medium Enterprises (MSMEs) but also for Overseas Filipinos (OF’s) and their beneficiaries.

“Kayang-kaya, kabayan” talk show hosted by Dubai-based SME advocate Josie Conlu offered financial management tips and valuable insights on business opportunities for MSMEs, OF’s and their beneficiaries with Registered Financial planner, Randell Tiongson and BDO Network Bank Senior Vice President and MSME Group Head, Karen L. Cua.

Dubai-based SME advocate Josie Conlu discussed the different financial challenges and struggles OF’s face abroad as well as the opportunities they can look into after the pandemic.

Registered financial planner and advocate for Life & Personal finance Randell Tiongson, meanwhile, shared preparedness and adaptability tips on how to properly manage income and save for emergency funds. These include shifting to essential businesses, using social media and online platforms, and increasing stocks.

Also discussed during the talk show was the important role of MSMEs in the growth of the local and national economies.

“The country’s development depends on the growth of MSMEs. When MSMEs grow, business owners and their families will enjoy a better future,” BDONB Senior Vice President and MSME Group Head Karen Cua said.

She added that MSMEs basically run the economy of communities because, while providing income to many, they create products and services that are important to our daily life.

Based on data from the Bangko Sentral ng Pilipinas, MSMEs comprise a critical sector in the Philippine economy, accounting for 99.5% of business enterprises, 62.4% of total employment, and 35.7% of additional gross value. They also serve as valuable partners and suppliers to large enterprises.

This is why BDONB continues to help MSMEs get the needed support to sustain and grow their operations, even throughout the pandemic.

Former OF Ernesto Abad, an electrician for four years in Saudi Arabia, also shared his story on how BDONB has helped his family survive the pandemic and how the Kabuhayan Loan helped their business bounce back.

“Due to the lockdown, monthly remittances from my wife were halted. That’s why I availed of the BDO [Network Bank] Kabuhayan Loan so that I can sustain my business despite the pandemic,” he stated.

As the trusted partner of MSMEs in business growth and sustainability, BDONB, the rural bank subsidiary of BDO Unibank that promotes community banking, offers the Kabuhayan Loan to give MSMEs access to additional capital and investment to build up their stocks, expand their stores, and purchase business assets like delivery trucks and other necessary equipment.

The Kabuhayan Loan offers loan proceeds ranging from P30,000 to as high as P1,000,000. The loan does not require any collateral and borrowers can choose installment options from 12 up to 24 months, based on their capacity to pay. It also comes with Credit Life Insurance which protects the family from financial burden.

The BDONB Kabuhayan Loan is available at any BDONB branch. To qualify for a loan, the borrower must have a business that has been operating for at least three years and be able to generate weekly sales of at least P15,000. Interested applicants just need to submit a valid ID, a business permit, proof of residence, and proof of sales. They may also apply online via

From May 17 to July 16, 2021, 30 lucky applicants will each win a Kabuhayan Package that is P10,000 worth of grocery goods or appliances from SM. For inquiries about the promo, interested parties can send a private message to the BDO Network Bank PH Facebook page or visit