In 1972, ECLOF started as a desk created by the National Council of Churches in the Philippines (NCCP) to grant loan to its member churches. In 1995, it became an independent entity and was registered at the Securities and Exchange Commission (SEC) as Ecumenical Church Foundation, Inc., to extend its loan services not only to churches. In 2001, ECLOF began to operate as a microfinance institution.

Through the years, ECLOF continues to grow and expand its program and services by establishing different Unit Offices in North Luzon, South Luzon, and Palawan. These Unit Offices offer agri-microfinance; entrep loans or Micro Negosyo at Serbisyo through group loan, individual loan, and job generating loan; Small Medium Enterprise (SME) and Institutional Loans. They also provide microinsurance and savings program to clients.

In 2010, the Board of Trustees made a strategic decision to focus on agricultural microfinance and increase ECLOF’s agri portfolio to 60%.

Starting 2015 until the next five years, ECLOF aims to expand into the three (3) regions of Luzon, Visayas and Mindanao, reaching out to 50,000 clients. To achieve this, ECLOF will continually develop responsive relevant products and services and increase its organizational sustainability.

In 2017, the organization was formally adopted the name ECLOF Philippines Microfinance, Inc. in accordance to the MF-NGO Law that requires all microfinance organizations to indicate in its name the word “microfinance.” ECLOF has a total of 23 Unit Offices. It continues to provide responsive and relevant products and services to its clients by institutionalizing a “one-stop-shop” program in all of its Unit Offices. This year marks the third year of ECLOF’s strategic plan to reach 50,000 clients, in 3 regions, by 2019.

2019 marks the end of ECLOF’s 5-year strategic plan to reach 50,000 clients, in 3 regions. As of December 2019, it has a total of 30 Unit Offices with 31,535 total clients, a loan portfolio amounting to 342.9M Pesos, and operational self-sufficiency rating of 109.54%.

In 2020, ECLOF launched its 5-year corporate strategy with a theme of: “We are economic enabler aiming to optimize capacity for farmers and entrepreneurs aiming to enable them to be active and productive part of the economic value chain and earn significantly better margins.”

Year 2021 is a year of building hope through persistence resulting to resilience for each individual within the Organization. Despite the pandemic, the organization managed to reflect growth in disbursements by releasing 595.2M Pesos and maintaining the portfolio of 341.8M Pesos with a Net Income of 21.0M Pesos from a Net Loss of 9.0M Pesos in the previous year (2020).

In 2022, ECLOF, in its third year of living through the pandemic’s harsh experience, responded to the community’s daily survival and continuous livelihood by putting a stop to COVID and beginning to live normally without the threat of it. More than the operational outcome, understanding the new ways and norms that emerged after the Pandemic enabled ECLOF Philippines to commit more resources to supporting the entire food security value chain.