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Emerging Market Syndicate Group Using Pag Ibig’s Country Side Housing Initiative Program (CHI)

The Philippine housing crisis requires immediate scalable and inclusive solutions because, by 2030, the housing backlog will reach approximately 12.3 million units. This action research paper investigates how the Pag-IBIG Fund’s Countryside Housing Initiative (CHI) of the Philippine government will deliver affordable housing through its public-private partnership with the Philippine Emerging Market Syndicate Group (TPEMSG) in Barangay Ulong-Tubig Carmona Cavite, Philippines. The Pag-IBIG Fund (https://www.pagibigfund.gov.ph) operates under its official name, the Home Development Mutual Fund (HDMF), as a government-run savings and housing finance program in the Philippines (Chiquier & Lea, 2009). The Pag-IBIG Fund serves as a vital program that offers affordable housing loans and savings benefits to Filipino workers while providing accessible financing solutions for the country’s housing requirements. Pag-IBIG Fund, short for the Home Development Mutual Fund, is a government program in the Philippines that helps Filipinos save money and achieve their dream of owning a home. It works by pooling small monthly contributions from workers and employers, which members can later use for affordable housing loans, savings, or even short-term financial help. More than just a fund, Pag-IBIG gives ordinary Filipinos a chance to build a more secure and stable future for their families.

Gregorio Montenegro
MGT590
Action Research Paper
MBA FINANCE EIU-PARIS