Your savings with Kabuhayan. Not a fee — your money grows while it sits with us.
Per Loan
PHP 200
Deducted from disbursement
Incentive
1%+
Compound per cycle
Withdraw
Anytime
Free on exit, 15% early fee
Your Savings, Your Money
CBU is deducted from your loan disbursement, but it remains your money. It earns interest per completed loan cycle (compounding). You can withdraw it anytime — free if you exit the program, or with a 15% fee for early scheduled withdrawals. Think of it as a forced savings plan that pays you.
Standard Tier
1%
per cycle
Loyalty Tier
1.25%
per cycle
VIP Tier
1.5%
per cycle
Scheduled Withdrawal (30 days)
No penalty. Submit a request and receive your funds after 30 days. Your money continues earning interest during the waiting period.
Program Exit
No penalty. If you decide to leave the program, your full CBU balance is released.
Early Withdrawal
15% fee applies. Get your money immediately when you need it. The fee covers the early release of funds that are actively generating interest.
Want to grow your CBU faster? Make extra deposits via the borrower portal.
GCash / Maya
Via Dragonpay
Credit / Debit Card
Via Stripe
Minimum deposit: PHP 50.00. Log in to your borrower portal to make a deposit.
See how your savings grow over multiple loan cycles with compound interest.
Select your tier
Deductions
PHP 1,000
Interest Earned
PHP 30.40
Total CBU
PHP 1030.40
Standard Tier — 1% compound interest per cycle
How the simulator works:
Each completed loan adds PHP 200 to your CBU. At the end of each cycle, your entire balance earns compound interest at your tier rate. Voluntary deposits are added before the first cycle and also earn interest.
Ready to start building your savings?
Every loan you complete adds to your CBU. The longer you stay, the more it grows.