Our dream,
your hope fulfilled.

Virgilia Bonghanoy

General Merchandise, Bakery, Agrivet Owner
RAFI MFI Client for 25 Years

WHO WE ARE

RAFI Microfinance, Inc. (RAFI MFI) is one of the country’s leading microfinance institutions, dedicated to empowering underprivileged micro-entrepreneurs to achieve financial stability and independence. With over 323 branches across Luzon, Visayas, and Mindanao, it continues to uplift underserved and vulnerable communities, touching more than 3.5 million* lives nationwide.

Formerly known as the Cebu Micro Enterprise Development Foundation, Inc. (CMEDFI), RAFI MFI was established in 1998 through the economic wellbeing program of the Ramon Aboitiz Foundation, Inc. (RAFI).

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Our Reach

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Branches Across the Philippines

Luzon

Visayas

Mindanao

Our Impact

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Our Highlights

Stories of Hope, Progress, and Empowerment.

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Hope Grows with Every Branch We Open!

Hope Grows with Every Branch We Open!

This July, RAFI Microfinance proudly opened four new branches across Davao — located in Calinan, Davao City; Tagum City and Sto. Tomas in Davao del Norte; and Digos City in Davao del Sur — reaffirming our mission to elevate the lives of every Kaagapay.These new...

Partnerships for Healthier Communities

Partnerships for Healthier Communities

International and local partners gathered at RAFI Microfinance (RAFI MFI) Main Office for a two-day learning exchange hosted in partnership with Water.org.On July 21, 2025, delegates from Bangladesh, India, and the Philippines joined a half-day session with RAFI MFI...

A Shared Mission for Education

A Shared Mission for Education

Bringing together like-minded and like-hearted institutions, united in the vision of providing holistic support through education. RAFI Microfinance (RAFI MFI) and the Bugsay Scholarship Academe Partners came together on April 2 and 25 for a back-to-back renewal of...

Kaagapay Stories

How our clients’ determination and support from our programs create meaningful impact.
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Ate Jelly

“Malaki talaga ang tulong nila sa akin, lalo na ang pagpa-aral sa aking anak at makapagtapos siya, at sa mga pangangailangan ng aking pamilya.”

Ate Mylene

"Nakilala ko 'yung RAFI Microfinance dahil malaking tulong bilang pandagdag puhunan para sa aking negosyo."

Ate Candelaria

"Sa totoo lang, ito lang ang organisasyong nakita kong talagang maayos. Kasi marami na akong nasalihan, pero iba talaga ang RAFI."

Ate Lolita

"Sa pamamagitan ng WASH Loan, kumportable na talaga kami sa aming pamumuhay. Dati ang Bahay namin ay maliit lang, napakalaki ng naitulong ng RAFI Microfinance sa akin."

Your kaagAPPay in life is here!

The KaagAPPay App, was made to improve the services of RAFI Microfinance thru a development of mobile application, and have the client experience paperless transactions and services such as:

1. Savings Balance and Transaction History
2. Loan Balance and Transaction History
3. Insurance Availment, Requirements, and Benefits
4. Self-service Loan Application

SCAN HERE TO DOWNLOAD