Republic Act No. 10644: Go Negosyo ActRepublic Act No. 10644: Go Negosyo Act

This is the full text of Republic Act No. 10644: “An Act Promoting Job Generation and Inclusive Growth Through the Development of Micro, Small and Medium Enterprises”, otherwise known as the “Go Negosyo Act”.  It was enacted into law on 15 July 2014 by His Excellency President Benigno Simeon C. Aquino III.

The following are the salient features of the Act:
-Establishment of Negosyo Centers in all provinces, cities and municipalities nationwide
-Establishment of a Start-up Fund for MSMEs to be sourced from the MSME Development Fund and BMBE Fund
-Technology Transfer, Production and Management Training, and Marketing Assistance for SMEs
-Recomposition of the MSME Development Council and its additional functions

The DTI Department Administrative Order No. 14-5 Series of 2014: “Implementing Rules and Regulations for Republic Act No. 10644, An Act Promoting Job Generation and Inclusive Growth Through the Development of Micro, Small and Medium Enterprises, otherwise Known as the “Go Negosyo Act”” was published on 29 December 2014.


Guide to Republic Act (RA) 9178: BMBEs Act of 2002Guide to Republic Act (RA) 9178: BMBEs Act of 2002
This handbook provides quick and essential information on RA 9178, otherwise known as the "Barangay Micro Business Enterprises (BMBEs) Act of 2002."  This book includes a directory of the key officials who may be contacted for further information about this Act and its implementation.
The full text of RA 9178 and its implementing rules and regulations (IRR) including the supplementary guidelines or clarifications issued by concerned agencies are also provided for ready reference.

Copy of B.M.B.E. handbook (R.A. 9178)

Application form for registration as BMBE 

RA 9501: Magna Carta for Micro, Small and Medium EnterprisesRA 9501: Magna Carta for Micro, Small and Medium Enterprises
This primer provides a quick reference on the “Magna Carta for Micro, Small and Medium Enterprises (MSMEs)," a landmark legislation that defines the current national policy to promote, support, strengthen, and encourage the growth and development of MSMEs.
Enacted by the Philippine Congress in 1991 as RA 6977, amended by Republic Act 8289 in 1997, and further amended by RA 9501 in 2008, the law is geared towards the development of the Filipino entrepreneurial spirit by providing a business environment conducive for MSMEs. 
The full texts of RA 6977, RA 8289, and RA 9501 and its IRR including the revised rules and regulations governing the mandatory allocation of credit resources provide ready reference for a complete compilation of laws on the Magna Carta for MSMEs.

Simplifying Business Permit and Licensing Process of Local Governments
Simplifying Business Permit and Licensing Process of Local Governments
The business of business registration is a process that involves both national and local governments. 
Making it simpler and easier for applicants is a challenge that confronts both. There are recent efforts by the national government to spur productivity and improve competitiveness, and a focus of attention is how to simplify the business registration requirements of national agencies.
This toolkit focuses on the challenge of simplifying business registration at the level of local governments. It draws from information and knowledge that had been documented on successful efforts by local governments to simplify business registration. 
It uses the experience of a growing number of local governments to show that simplifying business registration can be done, and that it can be done with positive results for both local government and small businesses.
If you would like to be one of those local governments known for efficient and effective business registration, here is a copy of the Toolkit


 Find reading materials that could help you in your micro-, small or medium enterprise.

A Guide To Registering Your Business

 A Guide To Registering Your Business

A handout on the process flow, requirements, and contact details of agencies involved in registering sole proprietorship, cooperative, and partnership and corporations.

Download A Guide to Registering Your Business.

Catalog of Information Materials for MSMEs

Catalog of Information Materials for MSMEs

MSMEs obtain valuable information from various sources and in varied forms. While databases and information materials have already been developed by government agencies, business organizations, and the academe, these may not be readily obtainable. There could be several reasons for the inaccessibility of these information, one of which is the lack of materials or facilities that will help MSMEs, researchers, as well as policymakers find these information.

This “Catalog of Information Materials for MSMEs” hopes to provide entrepreneurs, researchers, and policy-makers with a compendium of information materials that can be used as guides in addressing their various needs. The information materials are presented according to their use: start-up tools, marketing, technology/production, human resource, finance, studies, and information services. Relevant websites are also listed.

Download Catalog of Information Materials for MSMEs.

Directory of Business Development Services (BDS) Providers

Directory of Business Development Services (BDS) Providers

This publication is a compilation of existing business development services (BDS) provided by private organizations and academic institutions in support of the growth and development of micro, small and medium enterprises (MSMEs). The directory is published to assist potential and existing entrepreneurs in accessing various forms of assistance to help increase their productivity and enhance their competitiveness. 

Download Directory of Business Development Services (BDS) Providers.

Directory of Common Service Facilities Handbook

Directory of Common Service Facilities Handbook

This directory provides vital information on existing common service facilities nationwide which SMEs may tap to help increase their output and boost their competitiveness. The scope of services covered includes: machinery and equipment, raw materials procurement, product research development and quality control, storage/warehousing, trade consolidation and provision of display centers, business incubation services, skills training, and other services.

Particularly, this directory contains the name of the facility, its location, the name of its owner/contact person, the services offered, equipment provided by the facility, and sectors serviced.

Download Directory of Common Service Facilities Handbook.

Do You Want to Go Into Business?/Nais Mo bang Magnegosyo?

Do You Want to Go Into Business?/Nais Mo bang Magnegosyo?

This handbook, published by the DTI through the Bureau of Micro, Small and Medium Enterprise Development (BMSMED), guides would-be entrepreneurs on the process flow of starting a small business, the risks and rewards of going into business, and tips on writing a business plan. It also provides the likely requirements in registering with the various government institutions. 

Download Do You Want to Go Into Business?

Download Nais Mo bang Magnegosyo?

FAQs for MSMEs

A handout on available MSME services, the Negosyo Center, and a simplified guide to registering a business name. 

Download FAQs for MSMEs.

Financing Handbook

Financing Handbook

This handbook provides information on how to grow/expand your business operation. The growing number and significant role of micro, small, and medium enterprises (MSMEs) in spurring national economic growth prompted the compilation and publication of this handbook on Financing Programs for Micro, Small, and Medium Enterprises. The implementation of micro financing and SME lending programs by various institutions is generally recognized as an essential tool in stimulating entrepreneurial activities. Through this compendium, the Bureau of Small and Medium Enterprise Development (BSMED) aims to increase the Filipino entrepreneur’s awareness on sources of funding available from government and private sector institutions for his business, and encourage him to access these facilities based on the capabilities of his enterprise. This menu of financial services will hopefully develop and strengthen the ability of MSMEs to better manage their operational activities and possibly embolden them to cater to areas beyond their traditional markets. This compilation is an initiative of BSMED under the Department of Trade and Industry (DTI). 

Download Financing Handbook.

Gabay sa Pagsisimula, Pamamalakad ng Negosyong Pagkain

Gabay Sa Negosyong Pagkain

A guidebook on food hygiene and sanitation, good manufacturing practices, hazards, bookkeeping, packaging, financing, business planning, and government agencies to contact if you need related help. 

Download Gabay sa Pagsisimula, Pamamalakad ng Negosyong Pagkain.

Glossary of Business Terms and Concepts Handbook

Glossary of Business Terms and Concepts Handbook

A compilation of more than 1,300 business terms that have been organized and cross-referenced for the convenience of its users. This handbook will be helpful in dealing with the plethora of new terms that have been minted to capture the dynamic nature of today’s business environment.  

Download Glossary of Business Terms and Concepts Handbook

More than Cash: Improving Lives Through Micro Enterprise Development

More than Cash: Improving Lives Through Micro Enterprise Development

As part of the Knowledge Management in the Rural Micro Enterprise Programme (RuMEPP), a compendium of case stories was developed and published in 2013 to highlight what the Programme was able to achieve during its seven years of implementation. Aside from featuring stories of different RuMEPP beneficiaries in all the 19 provinces, the compendium also shares the challenges, lessons learned, and policy implications resulting from Programme implementation since 2007. 

Download More than Cash: Improving Lives Through Micro Enterprise Development.

Negosyo Center Briefer

2015 Negosyo Center Briefer

A briefer on Republic Act 10644 or the Go Negosyo Act and the functions and roles of the Negosyo Center and government agencies. 

Download Negosyo Center Briefer.

Negosyo To Go Packages

2016 Negosyo To Go Packages

A directory of franchisors in the food, retail, and service sectors.

Download Negosyo To Go Packages.

Programs and Services for MSMEs Handbook

Programs and Services for MSMEs Handbook

A compilation of programs and services being offered by the government, private sector agencies, academic institutions, micro, small and medium enterprise (MSME) organizations - all geared towards the development and promotion of MSMEs. This handbook provides a brief description of each agency, its objectives, as well as key information on how to avail of its services. The agencies are grouped according to the prime components related to MSME development: technology/production, marketing, training, regulatory/incentive and institutional development.

Directories of business assistance centers (BAC), chambers of commerce, regional and provincial offices the DTI, economic zones, Foreign Trade Service Corps (FTSC), Government Financing Institutions (GFIs) and trade associations are also provided.

Download Programs and Services for MSMEs Handbook.

Negosyo Serbisyo sa Barangay Flyer

A handout containing key information on Negosyo Serbisyo sa Barangay.

Download the Negosyo Serbisyo sa Barangay Flyer. 

Primer on Barangay Micro Business Enterprise

A handout on the key features of Republic Act No. 9178, as amended by Republic Act No. 10644, or the BMBEs Act of 2002.
Download the BMBE Primer.

Simplified Accounting Handbook for Small Business

Simplified Accounting Handbook for Small Business

This handbook will serve as a guide for SMEs and would-be entrepreneurs with limited or no knowledge of accounting and financial management. It is also a tool for SMEs to implement an accounting system to effectively and efficiently manage their business. It explains the typical accounting cycle in simplest terms that SMEs and non-accountants can understand. It is hoped that through this handbook SMEs will be able to strengthen their financial competency and enhance their competitiveness in the local and global market.

The handbook is authored by Mr. Napoleon T. Cabello for the Department of Trade and Industry (DTI)-Bureau of Small and Medium Enterprise Development (BSMED). Mr. Cabello is an active member of Financial Executives Institute of the Philippines (FINEX) where he was Chairman of its SME Committee for a number of years and a member of the following FINEX Committees: Finance, Publication, National Affairs and Budget. He also writes business articles for various newspapers mostly covering SME-related topics.

Download Simplified Accounting Handbook for Small Business.

Simulan Mong Magnegosyo Flyer

A brief guide on starting a business.

Download Simulan Mong Magnegosyo.

Start Your Own Business

A handbook containing the must-knows in starting a business such as the rewards and risks of going into entrepreneurship and the small business process flow.

Download Start Your Own Business.

Download Simulan Mong Magnegosyo (Filipino).

Usapang Pera: Mga Dapat Alamin

Usapang Pera: Mga Dapat Alamin

The Philippine Deposit Insurance Corporation (PDIC) Guidebook on Basic Banking and Financial Transactions (Usapang Pera: Mga Dapat Alamin), serves as an easy-to-read reference guide and a financial literacy tool for everyone for understanding banking products and transactions. The basic principles of money, saving, banking investments, and deposit insurance are discussed to guide the Filipino in making well-informed and effective financial decisions. This Guidebook is intended to help the depositor discern differences in risks and return on various banking products.

This guidebook is a publication of the PDIC which serves as a functional memento for its 50 years of service in deposit insurance, depositor protection and its role in the maintenance of financial stability.

Download Usapang Pera: Mga Dapat Alamin.

Your Guide to Starting a Small Enterprise

Your Guide to Starting a Small Enterprise

This publication looks at how a small enterprise evolves from a mere business idea until the enterprise is born. It is a step-by-step guidebook that walks the reader through a systematic way of putting up a small business. It is a light and easy read and the language is simple.

This guidebook has a different ending. Unlike the usual guidebook that will either leave the reader hanging, asking for more or be put back to the shelf after being read, "Your Guide to Starting a Small Enterprise" induces the reader into action. It is not all concepts; it is interactive. Asking the reader to complete a business blueprint as each chapter is read is probably the next best thing that this guidebook can offer.

Download Your Guide to Starting a Small Enterprise.


Number of Establishments

The 2018 List of Establishments of the Philippine Statistics Authority (PSA) recorded a total of 1,003,111 business enterprises operating in the country. Of these, 998,342 (99.52%) are MSMEs and 4,769 (0.48%) are large enterprises. Micro enterprises constitute 88.45% (887,272) of total MSME establishments, followed by small enterprises at 10.58% (106,175) and medium enterprises at 0.49% (4,895).



Sectoral Distribution

The top five (5) industry sectors according to the number of MSMEs in 2018 were: (1) Wholesale and Retail Trade; Repair of Motor Vehicles and Motorcycles (461,765); (2) Accommodation and Food Service Activities (144,535); (3) Manufacturing (116,335); (4) Other Service Activities (66,162); and (5) Financial and Insurance Activities (46,033). These industries accounted for about 83.62% of the total number of MSME establishments.


Geographical Spread of MSMEs

Majority of the MSMEs can be found in the National Capital Region (NCR) with 203,312 (20.36%) business establishments, Region 4-A (CALABARZON) with 148,196 (14.84%), Region 3 (Central Luzon) with 116,073 (11.63%), Region 7 (Central Visayas) with 70,395 (7.05%), and Region 6 (Western Visayas) with 61,590 (6.17%). These top five (5) locations accounted for about 60.05% of the total number of MSME establishments in the country. Regional concentration of MSMEs is largely associated with economic activity and population size. 



Together, these MSMEs generated a total of 5,714,262 jobs or 63.19% of the country’s total employment. The micro enterprises produced the biggest share (28.86%) closely followed by small enterprises (27.04%) while medium enterprises were far behind at 7.29%. Meanwhile, large enterprises generated a total of 3,328,801 jobs or 36.81% of the country’s overall employment.


In terms of regional distribution, majority of the jobs are generated by MSMEs in the National Capital Region (NCR) with 1,621,685 jobs; followed by MSMEs in Region 4-A (CALABARZON) with 824,283; Region 3 (Central Luzon) with 605,056; Region 7 (Central Visayas), 449,775; and Region 6 (Western Visayas), 318,467.

By industry sector, MSMEs in the Wholesale and Retail Trade; Repair of Motor Vehicles and Motorcycles sector generated the most number of jobs with 2,040,774 followed by Accommodation and Food Service Activities (882,455), Manufacturing (767,831), Financial and Insurance Activities (316,226), and Education (301,970).


Sales and Census Value-Added

In terms of value added, the MSME sector contributed 35.7% of the total with manufacturing contributing the largest share of 6.87%. Wholesale and retail trade and repair contributed 6.58% followed by financial intermediation with a share of 6%.

Within the sector, small enterprises accounted for the largest share of 20.5%. Medium enterprises followed with a share of 10.3% while micro enterprises registered a share of 4.9%. Among small enterprises, wholesale and retail trade and repair contributed the most with a share of 4.07% followed by manufacturing with a share of 3.82% while financial intermediation was next with a share of 3.35%.

For medium enterprises, manufacturing accounted for the biggest share of 2.77% followed by electricity, gas and water with a share of 1.92% and financial intermediation with 1.87%. For micro enterprises, wholesale and retail trade and repair represented the largest contribution of 1.73%.

Exports Contribution of MSMEs

MSMEs account for 25% of the country’s total exports revenue. It is also estimated that 60% of all exporters in the country belong to the MSME category. MSMEs are able to contribute in exports through subcontracting arrangement with large firms, or as suppliers to exporting companies.

Data Source: Philippine Statistics Authority (PSA) 


You may also view the latest available data on the Number of Establishments and Total Employment by Region, Industry and Employment Grouping: 2018 List of Establishments from the PSA and the 2018 Philippine MSME Statistics in Brief.

For more information, you may contact the Bureau of Small and Medium Enterprise Development (BSMED) at This email address is being protected from spambots. You need JavaScript enabled to view it.



MSMED Plan 2017-2022The Micro, Small and Medium Enterprise (MSME) Development Plan 2017-2022 is the sectoral plan for the growth and advancement of the MSME sector. It was developed in consultation with various stakeholders from the private sector, academia, and government agencies. It is aligned with the Philippine government’s goal of boosting employment, business, and livelihood or “Trabaho, Negosyo, Kabuhayan” translating to “Malasakit”, “Pagbabago”, at “Patuloy na Pag-unlad” of the Philippine Development Plan (PDP) 2017-2022.

The key inputs to the Plan’s formulation were also taken from the Ten-Point Agenda for Development presented by President Rodrigo R. Duterte at his first State of the Nation Address on 25 July 2016. It was also developed in accordance with AmBisyon Natin 2040, the long-term mission and vision statement for Philippine development formulated by the National Economic and Development Authority (NEDA) in March 2016.

The Plan envisions for “more globally competitive MSMEs that are regionally integrated, resilient, sustainable and innovative thereby performing as key drivers of inclusive Philippine economic growth.” It has three (3) focus areas, namely: business environment, business capacity, and business opportunities with the following 5 strategic goals: (1) improved business climate; (2) improved access to finance; (3) enhanced management and labor capacities; (4) improved access to technology and innovation; and, (5) improved access to market.

On 04 April 2018, President Rodrigo Duterte has issued Executive Order No. 50 approving the MSME Development Plan 2017-2022 and directing concerned government agencies and instrumentalities, including government-owned or –controlled corporations and local government units, to adopt and implement the Plan.
Accomplishment Report:

MSMED Plan 2011-2016

Micro, Small, and Medium Enterprise Development (MSMED) Plan 2011-2016
The Micro, Small, and Medium Enterprise Development (MSMED) Plan 2011-2016 aims to promote, support, strengthen, and encourage the growth and development of Micro, Small, and Medium Enterprises (MSMEs) in all productive sectors of the economy. The plan serves as the framework for the convergence of initiatives adopted and implemented by multi-stakeholders towards the growth and development of the MSME sector in the country.
The MSMED Plan was developed in consultation with national, regional, and provincial stakeholders. A participatory approach was adopted involving a series of stakeholder consultation, validation, and recalibration workshops participated in by representatives from the private sector, LGUs, national government agencies, the academe, and civil society. 

The MSMED Plan has four major outcome or result portfolios, namely Business Environment (BE), Access to Finance (A2F), Access to Markets (A2M), and Productivity and Efficiency (P&E). It will also take into consideration global themes and cross-cutting issues related to gender, climate change, corporate social responsibility, and migration.


SMED Plan 2004-2010

SME Development Plan 2004-2010
SME Development Plan 2004-2010
 presents the integrated efforts to strengthen and stimulate the micro, small, and medium enterprise (MSME) sector so it can contribute significantly to the country’s development. This Plan aims to make the sector a key factor in the country’s economic growth by 2010.

The plan is designed to be carried out in three stages: roll-out, assessment of interim results, and re-programmed implementation. It projects to increase the MSME sector’s gross value added contribution to 40% of aggregate by 2010.

It also intends to make the  sector a major contributor to export growth, with exporting MSMEs achieving a 16-% annual growth rate in export sales. These are expected to come about mainly through the creation of globally competitive MSMEs and assistance extended to them in aggressively seeking new market and product opportunities. 



To meet the issues and challenges of the sector, the Plan sets down the following strategies:

To enhance operations of the individual SME
  • Provide SMEs access to comprehensive and focused support for enhancing managerial and technological capabilities, tapping  business opportunities, and becoming competitive in the local and international markets.
  • Provide support for identifying and developing business opportunities through the development of business ideas that promote the expansion and diversification of the country’s industrial structure.

To assist priority industries
  • Strengthen support to the growth industries that are active in the international markets to sustain and enhance their competitiveness and improve their access to the domestic market.
  • Provide support for industrial linkages of SMEs with leading Philippine industries to strengthen the country’s industrial structure.

To improve the SME operational environment
  • Develop SME financing support programs and strengthen the institutions that provide direct and appropriate financial services to SMEs.
  • Streamline the systems that provide support programs and incentives for SMEs.
  • Streamline the implementation of SME policies and regulations.
  • Strengthen and build the capabilities of institutions that generate and implement programs for SME development.


The SMED Plan was launched during the celebration of the 2004 SMED Week. In October 2005, a proposal was submitted to and consequently approved by the German Technical Cooperation (GTZ) and the Canadian International Development Agency (CIDA) for the funding of the services of a consultant/facilitator who will professionally facilitate and document the discussions of the activity groups. Following the said approval, the Bureau of Micro, Small, and Medium Enterprises Development (BMSMED) conducted action planning and harmonizing workshops for the activity groups under the plan.  

In formulating the SMED Action Plan, the lead agencies were assisted/guided in clarifying the specific gaps addressed by their programs and projects and the improved or desired situation envisioned in their targets.The clarification of program targets resulted in the streamlining of the activity groups from the original 48 to 10 groups as the similarities and differences in their envisioned deliverables were sharpened. 

The Plan has the following four outcome portfolios:
  • Business and Investment Enabling Environment (BIEE);
  • Access to Finance (A2F);
  • Access to Market (A2M); and
  • Productivity and Efficiency (P&E)
to top