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                (
                    [ArticleID] => 2545012
                    [Title] => DHSUD approves P870 million in land acquisition loans
                    [Summary] => 
The Department of Human Settlements and Urban Development (DHSUD) has approved P870.6 million in land acquisition loans during the first year of its Enhanced Community Mortgage Program (ECMP), benefiting over 8,100 low-income and informal settler families nationwide.

                    [DatePublished] => 2026-07-27 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1806405
                    [AuthorName] => Neil Jayson Servallos
                    [SectionName] => Headlines
                    [SectionUrl] => headlines
                    [URL] => https://media.philstar.com/photos/2026/07/26/19_2026-07-26_22-30-26202_thumbnail.jpg
                )

            [1] => 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
                )

            [2] => 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
                )

            [3] => 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
                )

            [4] => 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
                )

            [5] => 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
                )

            [6] => 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
                )

            [7] => 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
                )

            [8] => 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
                )

            [9] => 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
                )

        )

)

loans

Array
(
    [results] => Array
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            [0] => Array
                (
                    [ArticleID] => 2545012
                    [Title] => DHSUD approves P870 million in land acquisition loans
                    [Summary] => 
The Department of Human Settlements and Urban Development (DHSUD) has approved P870.6 million in land acquisition loans during the first year of its Enhanced Community Mortgage Program (ECMP), benefiting over 8,100 low-income and informal settler families nationwide.

                    [DatePublished] => 2026-07-27 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1806405
                    [AuthorName] => Neil Jayson Servallos
                    [SectionName] => Headlines
                    [SectionUrl] => headlines
                    [URL] => https://media.philstar.com/photos/2026/07/26/19_2026-07-26_22-30-26202_thumbnail.jpg
                )

            [1] => 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
                )

            [2] => 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
                )

            [3] => 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
                )

            [4] => 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
                )

            [5] => 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
                )

            [6] => 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
                )

            [7] => 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
                )

            [8] => 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
                )

            [9] => 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
                )

        )

)

abtest