Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2542345
                    [Title] => SkyroCredit becomes everyday pay later for all Filipinos
                    [Summary] => 
Skyro is changing that by bringing "Pay Later" to the purchases that keep everyday life moving.

                    [DatePublished] => 2026-07-15 12:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/15/skyro-lead_2026-07-15_14-03-36519_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2538906
                    [Title] => Banks’ FCDU loans slip to $15.4 billion in end-March
                    [Summary] => 
Foreign currency deposit unit loans granted by banks slipped by 0.8 percent to $15.44 billion in end-March from $15.56 billion in end-December, preliminary data from the Bangko Sentral ng Pilipinas showed.

                    [DatePublished] => 2026-07-01 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808868
                    [AuthorName] => Aubrey Rose Inosante
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/06/30/17_2026-06-30_19-47-45180_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2533740
                    [Title] => COMMENTARY: Why the Philippines cannot afford to delay open finance
                    [Summary] => 
The recently filed Open Finance bill may be the most consequential piece of legislation in addressing this.

                    [DatePublished] => 2026-06-22 10:28:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808906
                    [AuthorName] => Pavel Fedorov
                    [SectionName] => Banking
                    [SectionUrl] => banking
                    [URL] => https://media.philstar.com/photos/2026/06/08/salmon-commentary-lead_2026-06-08_14-58-3251_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2536393
                    [Title] => BSP extends repayment period for salary-based loans
                    [Summary] => 
The Bangko Sentral ng Pilipinas (BSP) has extended the maximum repayment period for salary-based consumption loans to seven years, a move meant to make amortizations more manageable for borrowers while keeping safeguards against excessive debt.

                    [DatePublished] => 2026-06-20 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/06/19/7_2026-06-19_19-32-03250_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2518427
                    [Title] => Philippines debt climbs to record P18.2 trillion
                    [Summary] => 
The country’s outstanding debt reached a fresh peak of P18.16 trillion in February, as the government slightly increased domestic financing to buffer against external risks, but this was tempered by a decline in external loans.

                    [DatePublished] => 2026-04-02 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808868
                    [AuthorName] => Aubrey Rose Inosante
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/04/01/ta_2026-04-01_20-30-35825_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2511324
                    [Title] => BSP mulls longer repayment for salary loans
                    [Summary] => 
The Bangko Sentral ng Pilipinas (BSP) is considering changes to rules governing salary-based consumer loans, including the possible removal of the current loan tenor cap, in a move aimed at giving borrowers more flexibility in managing repayments and easing monthly debt obligations.

                    [DatePublished] => 2026-03-02 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/03/01/9_2026-03-01_19-36-55976_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2510667
                    [Title] => Government  seeks $10.3 billion  ODA loan deals – Go
                    [Summary] => 
The Philippines is pursuing 25 additional loan agreements worth $10.3 billion from several countries, as well as sovereign loans for infrastructure projects, Finance Secretary Frederick Go said yesterday. This comes as the country approaches upper-middle income status that will end access to cheaper loans.

                    [DatePublished] => 2026-02-27 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808868
                    [AuthorName] => Aubrey Rose Inosante
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/02/26/untitled-1_2026-02-26_19-38-46154_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2505448
                    [Title] => BPI delivers quality growth, buffers intact
                    [Summary] => 
BPI’s FY25 results show resilient earnings, strong loan growth, and solid buffers, supporting a constructive outlook as rates ease.

                    [DatePublished] => 2026-02-03 11:50:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2498517
                    [Title] => Clear terms drive borrowers to cheaper digital loans – BSP
                    [Summary] => 
Filipino borrowers tend to pick cheaper and more favorable digital loans when product information is clearly presented and easy to compare, according to a discussion paper by the Bangko Sentral ng Pilipinas (BSP) on the country’s fast-growing digital credit market.

                    [DatePublished] => 2026-01-04 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/01/03/8_2026-01-03_17-55-1517_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2493084
                    [Title] => Banks’ loans to MSMEs rise to P536 billion
                    [Summary] => 
Loans disbursed by banks to micro, small and medium enterprises grew by 7.1 percent to P536.51 billion in the January to September period from P500.81 billion a year ago.

                    [DatePublished] => 2025-12-10 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2025/12/09/5_2025-12-09_21-59-11321_thumbnail.jpg
                )

        )

)

loans

Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2542345
                    [Title] => SkyroCredit becomes everyday pay later for all Filipinos
                    [Summary] => 
Skyro is changing that by bringing "Pay Later" to the purchases that keep everyday life moving.

                    [DatePublished] => 2026-07-15 12:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/15/skyro-lead_2026-07-15_14-03-36519_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2538906
                    [Title] => Banks’ FCDU loans slip to $15.4 billion in end-March
                    [Summary] => 
Foreign currency deposit unit loans granted by banks slipped by 0.8 percent to $15.44 billion in end-March from $15.56 billion in end-December, preliminary data from the Bangko Sentral ng Pilipinas showed.

                    [DatePublished] => 2026-07-01 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808868
                    [AuthorName] => Aubrey Rose Inosante
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/06/30/17_2026-06-30_19-47-45180_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2533740
                    [Title] => COMMENTARY: Why the Philippines cannot afford to delay open finance
                    [Summary] => 
The recently filed Open Finance bill may be the most consequential piece of legislation in addressing this.

                    [DatePublished] => 2026-06-22 10:28:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808906
                    [AuthorName] => Pavel Fedorov
                    [SectionName] => Banking
                    [SectionUrl] => banking
                    [URL] => https://media.philstar.com/photos/2026/06/08/salmon-commentary-lead_2026-06-08_14-58-3251_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2536393
                    [Title] => BSP extends repayment period for salary-based loans
                    [Summary] => 
The Bangko Sentral ng Pilipinas (BSP) has extended the maximum repayment period for salary-based consumption loans to seven years, a move meant to make amortizations more manageable for borrowers while keeping safeguards against excessive debt.

                    [DatePublished] => 2026-06-20 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/06/19/7_2026-06-19_19-32-03250_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2518427
                    [Title] => Philippines debt climbs to record P18.2 trillion
                    [Summary] => 
The country’s outstanding debt reached a fresh peak of P18.16 trillion in February, as the government slightly increased domestic financing to buffer against external risks, but this was tempered by a decline in external loans.

                    [DatePublished] => 2026-04-02 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808868
                    [AuthorName] => Aubrey Rose Inosante
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/04/01/ta_2026-04-01_20-30-35825_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2511324
                    [Title] => BSP mulls longer repayment for salary loans
                    [Summary] => 
The Bangko Sentral ng Pilipinas (BSP) is considering changes to rules governing salary-based consumer loans, including the possible removal of the current loan tenor cap, in a move aimed at giving borrowers more flexibility in managing repayments and easing monthly debt obligations.

                    [DatePublished] => 2026-03-02 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/03/01/9_2026-03-01_19-36-55976_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2510667
                    [Title] => Government  seeks $10.3 billion  ODA loan deals – Go
                    [Summary] => 
The Philippines is pursuing 25 additional loan agreements worth $10.3 billion from several countries, as well as sovereign loans for infrastructure projects, Finance Secretary Frederick Go said yesterday. This comes as the country approaches upper-middle income status that will end access to cheaper loans.

                    [DatePublished] => 2026-02-27 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808868
                    [AuthorName] => Aubrey Rose Inosante
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/02/26/untitled-1_2026-02-26_19-38-46154_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2505448
                    [Title] => BPI delivers quality growth, buffers intact
                    [Summary] => 
BPI’s FY25 results show resilient earnings, strong loan growth, and solid buffers, supporting a constructive outlook as rates ease.

                    [DatePublished] => 2026-02-03 11:50:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2498517
                    [Title] => Clear terms drive borrowers to cheaper digital loans – BSP
                    [Summary] => 
Filipino borrowers tend to pick cheaper and more favorable digital loans when product information is clearly presented and easy to compare, according to a discussion paper by the Bangko Sentral ng Pilipinas (BSP) on the country’s fast-growing digital credit market.

                    [DatePublished] => 2026-01-04 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/01/03/8_2026-01-03_17-55-1517_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2493084
                    [Title] => Banks’ loans to MSMEs rise to P536 billion
                    [Summary] => 
Loans disbursed by banks to micro, small and medium enterprises grew by 7.1 percent to P536.51 billion in the January to September period from P500.81 billion a year ago.

                    [DatePublished] => 2025-12-10 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2025/12/09/5_2025-12-09_21-59-11321_thumbnail.jpg
                )

        )

)

abtest