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About Us

kdci img KASAGANA-KA Mutual Benefit Association, Inc. provides affordable insurance products and services to poor women and their families. Organized in 2006, KMBA is considered as a sister organization of Kasagana-Ka Development Center, Inc. (KDCI), whose client-beneficiaries and staff members constitute KMBA’s primary members. Moreover, KMBA offers associate membership to clientbeneficiaries of its partner microfinance organizations and other organized sectors. Read more...

Products and Services

kdci img KMBA currently offers two main products:

  •      • Basic Life Insurance Plan or BLIP
  •      • Credit Life Insurance Plan or CLIP

In partnership with Bankers Assurance Corporation, KMBA also offers personal accident insurance with fire assistance or K-Kalinga. As further service to its members, KMBA provides a postemergency residential housing assistance Read more...


As of June 2020
Assets: 225,004,858.49
Liabilities: 151,787,334.26
Fund Balance: 73,217,524.23
Number of Active Members: 46,846
Total Claims Summary: 17,382,730.48
K-Kalinga Amount of Claims: 80000
K-Bente Amount of Claims: 144000
Calamity Assistance Amount of Claims: 63000


Events and Features


Icon sandclockMarch 27, 2020

Announcement %281%29

We hope that you and your family are safe and well. Regular meetings by KSO Managers are conducted to discuss about our next course of action. This is to inform you of the decision/s made:

1. Based on the assessment of reliable people and institutions, the health and livelihood crisis brought by COVID19 will last longer. Therefore we highly encourage all employees to prepare for it.

2. The intent to keep all the institutions of Kasagana ka, (K-Coop, KMBA, KDCI, KEEPF) is clear. It is important that after this crisis we will resume our operations. Our members and those we serve needs us. And for this to happen, its is important that we have enough resources for us to rise again.

3. As promised, all employees will be compensated during the quarantine period and this will be until April 14. Given our existing payroll policies, we still have salaries to be released on April 12 and 26 wherein both dates are within the quarantine period. Rice Subsidy will not form part of the total compensation. Communication allowance will continue. But beyond the given date, KSO can no longer afford to compensate the employees. We have to be frugal in spending what we have right now. The management will continue to study the next steps that we need after the April 26th payroll.

4. Aside from disseminating information on payment moratoriums from various agencies and institutions (Pag-IBIG loans, KEEPF loans, KMBA premiums, rent, utilities etc) our HR will aid in finding ways/sources that would support the employees during this crisis. We are currently in communications with the federation of which we are 7thing we can to bring back our operations back to its normal state.

May we all stay safe and maintain personal hygiene and cleanliness in our surroundings. And more important, stay at home.



Previous Events and Features

Announcement from Kasagana-ka Synergizing Organizations

Icon sandclockMarch 26, 2020


First and foremost, the Kasagana- ka Synergizing Organizations (K-Coop, KMBA, KDCI, and KEEPF) wishes you and your family are all safe and in good well-being.

The Board and management of each KSO would like to request for your openness and understanding especially in these challenging times that we are currently facing. We are aware of the difficulties you are going through right now. But in as much as we would like to be of help, we are constrained given the government pronouncements and we are also looking out for the safety of both our employees and the community at large. We would want to be of aid to you but most of our money are loaned to the members. The only help that we can provide for now is a moratorium on all loan payments until this crisis brought about by COVID19 is over.

K-Coop in one with the cooperative and the microfinance sector is working hand-in-hand in seeking assistance from the government. May they see us as a reliable partner in the delivery of services to the urban and peri-urban poor communities. We are awaiting their response to the sector’s proposal.

On the part of KMBA, they have extended the grace period for BLIP to 76 days and an extension of 1 month on loan terms covered by CLIP. Thus, even if we are unable to collect premium contributions the members and their dependent/s can still claim in case of death/TPD/MVaH. Kindly refer to details as issued by KMBA.

KDCI on the other hand is working on their social programs. They are using the time-being to review and improve their processes for the better until such time that we will all be able again to serve you in the communities.

We will continuously be in touch with you our dear members. We may not be able to communicate with you personally but it is important for us to know your condition especially in these challenging times.

May we all stay safe and be firm in the belief that together we will overcome this crisis.



The Board of Directors and Trustees and management of



KMBA's Response to Members Affected by the Enhanced Community Quarantine (ECQ) due to the COVID19 Outbreak

Icon sandclockMarch 25, 2020

KMBA's Response to Members Affected by the Enhanced Community Quarantine (ECQ) due to the COVID19 Outbreak

1. Basic Life Insurance Plan (BLIP)

KMBA shall enforce a 45 days grace period for the payment of insurance premiums/contributions. This is also in compliance with IC-Circular 2020-18 which encourages all regulated entities to extend the grace period for the payment of insurance premiums/contributions by 31 days. Therefore, all members are given a 76 days grace period beginning March 15 until May 30, 2020. Members and their dependent/s are hereby covered and can claim in case of death /TPD/MvaH. The amount of premium contributions pertinent to the lapsed weeks shall be deducted from the claims settlement.

2. Credit Life Insurance Plan (CLIP)

All loans covered by CLIP that will mature during the ECQ period (March 15- April 14) is given an extension of 1-month in their loan term.