Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Quezon City 
NINETEENTH CONGRESS 
First Regular Session 
HOUSE BILL NO. _______ 
Introduced by HON. GUSTAVO S. TAMBUNTING 
AN ACT 
ESTABLISHING A CREDIT ASSISTANCE PROGRAM 
FOR PERSONS WITH DISABILITIES (PWDs) 
EXPLANATORY NOTE 
This bill seeks to establish a credit assistance program for Persons with Disabilities. This 
credit window will facilitate the integration of Persons with Disabilities into the mainstream 
society through available credit windows and loan facilities that will help them venture into 
the micro business enterprise making PWDs entrepreneurs of micro-economies. 
Having in mind the best interest of our PWDs and under Article XV, Section 4 of the 
Constitution, it is the duty of the family to take care of members with disabilities while the 
State may design programs of social security for them.  
In addition to this, Section 10 in the Declaration of Principles and State Policies provides: 
"The State shall provide social justice in all phases of national development." Further, Article 
XIII, Section 11 provides: "The State shall adopt an integrated and comprehensive approach 
to health and other social services available to all people at affordable cost. There shall be 
priority for the needs of the under privileged, sick, elderly, disabled women and children.  
On behalf of the people of Parañaque City’s Second District, and for the common good of 
the Filipino people, the approval of the said measure is earnestly sought. 
REP. GUSTAVO S. TAMBUNTING 
2nd District, Parañaque City 
August 23, 2022
2:27 pm
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Republic of the Philippines 
HOUSE OF REPRESENTATIVES 
Quezon City 
NINETEENTH CONGRESS 
First Regular Session 
HOUSE BILL NO. _______ 
Introduced by HON. GUSTAVO S. TAMBUNTING 
AN ACT 
ESTABLISHING A CREDIT ASSISTANCE PROGRAM 
FOR PERSONS WITH DISABILITIES (PWDs) 
Be it enacted by the Senate and House of Representatives of the Philippines in 
Congress as assembled: 
SECTION 1. Short Title. – This Act shall be known as "The Persons with Disabilities 
Credit Assistance Program Act of 2022."  
SECTION 2. Declaration of Policy. – Under Article XIII, Section 11 provides: "The 
state shall adopt an integrated and comprehensive approach to health and other social 
services available to all people at affordable cost. There shall be priority for the needs of 
the underprivileged, sick, elderly, disabled, women and children."  
SECTION 3. Loans. – A PWD with a valid business permit issued by a local 
government unit may avail of a loan of not more than Fifty Thousand Pesos (Php 50,000.00) 
from the National Council on Disability Affairs (NCDA) to facilitate the operation of a micro 
business enterprise. Provided, that any of the members of his/her family not otherwise 
disqualified by law shall participate in the loan as co-borrower and execute necessary 
documentation to that effect: Provided, further, That the loan is guaranteed and released 
by the NCDA upon proper submission of the following documents, duly certified to in writing 
by the local DSWD as to their authenticity and properly certified/verified by the local 
government unit concerned:  
(a) business permit; and
(b) certification from the DSWD.
The loan shall be entered into by and between the PWD and the NCDA, with the 
next-of-kin as the guarantor. 
SECTION 4. Payment of Loan. – The loan shall be paid in twenty-four (24) equal 
monthly installments at a preferred interest rate not to exceed six percent (6%) per annum 
to be paid directly to the NCDA. For this purpose, the applicant PWD shall execute the 
necessary promissory agreement.  
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SECTION 5. Sanctions. – Failure to pay the loan and/or violations of the terms 
imposed herein shall be sufficient ground to bar the defaulting PWD from availing future 
benefits and privileges for PWD and liability falls on the co-borrower. 
 
 
SECTION 6. Implementation Rules and Regulations. – The Secretary of the 
Department of Social Welfare and Development (DSWD) and the NCDA within sixty (60) 
days from the approval of this Act, shall promulgate the implementing rules and regulations 
for the effective implementation of the provisions of this Act. 
 
 
SECTION 7. Appropriations. – The amount necessary to carry out the provisions 
of this Act upon its effect shall be changed out of the funds of the Office of the President. 
Thereafter, any such sum as shall be needed for the regular implementation of this Act shall 
be included in the subsequent General Appropriations Act following its enactment into law.  
 
 
SECTION 8. Repealing Clause. – All laws, presidential decrees, executive orders 
and rules, and regulations or part thereof, contrary to, or inconsistent with the provisions 
of this Act, are hereby repealed or modified accordingly.  
 
SECTION 9. Separability Clause. – If for any reason/s, any part or provision of 
this Act shall be declared unconstitutional or invalid, other parts or provisions hereof which 
are not affected thereby, shall continue to be in full force and effect. 
 
 
SECTION 10. Effectivity. – This Act shall take effect fifteen (15) days after its 
publication in any two (2) national newspapers of general circulation.  
 
 
 
Approved,