GSIS Disburses P10B In Solar Loans , Boosts Energy Resilience Amid El Nino Concerns

PASAY CITY, — From monthly electricity bills of ₱5,000 to ₱7,000 to as low as ₱300, some government employees and pensioners are reporting substantial savings after installing residential solar panels, highlighting the benefits of the Government Service Insurance System’s (GSIS’s) Ginhawa Solar Energy Loan (GSEL) program.

The program has attracted strong interest nationwide, with GSIS recording 66,233 loan applications amounting to ₱19.81 billion as of 11 November 2026. Of this amount, ₱10.12 billion has already been credited to borrowers, while another ₱57.17 million has been granted, bringing the combined value of credited and granted loans to ₱10.18 billion. An additional ₱87.37 million worth of applications are currently being processed.

In support of President Ferdinand R. Marcos Jr.‘s push for greater energy security, renewable energy adoption, and climate resilience, GSIS launched GSEL in March 2026 to make residential solar energy systems more accessible to government employees. The initiative aims to help Filipino households reduce their electricity expenses while contributing to the country’s transition toward cleaner and more sustainable energy sources.

“Imagine reducing your monthly electricity bill from ₱7,000 to just ₱300. For an ordinary government employee or a pensioner, that represents substantial savings that can instead be spent on food, education, healthcare, and other family needs. Through GSEL, we want to help more government workers and pensioners achieve these savings while contributing to a more sustainable future,” GSIS President and General Manager Jose Arnulfo “Wick” Veloso said.

Some government employees and pensioners have reported seeing their monthly electricity bills decline from approximately ₱ 7,000 to as low as ₱300 following the installation of solar panels. For a household previously paying ₱7,000 per month, this translates to potential electricity bill savings of ₱80,400 annually, before accounting for loan repayments and other installation costs.

Affordable financing for renewable energy

Under GSEL, qualified borrowers may avail themselves of loans of up to ₱500,000 at an annual interest rate of five percent, payable over five years or 60 monthly installments, without a service fee.

The program also provides three years of free insurance coverage for installed solar panels against fire, lightning, typhoons, and earthquakes, subject to applicable terms and requirements. Loan redemption insurance is likewise included.

Applications are processed digitally through the GSIS Touch mobile application, making the financing facility more convenient and accessible to qualified members.

The GSIS Board of Trustees previously approved a ₱12.5 billion allocation for the program, including ₱60 million for insurance coverage. GSEL has also been expanded to qualified GSIS pensioners, allowing more Filipino households to benefit from affordable solar financing.

Strengthening household resilience amid El Niño

The program also supports the government’s shift toward renewable energy and greater energy security. GSEL is particularly relevant amid concerns over El Niño, which can bring prolonged dry conditions, higher temperatures, and increased pressure on the country’s electricity supply. Drought can affect hydropower generation, while hotter weather can increase household demand for electricity.

Qualified solar energy users may also apply for the government’s net metering program, which allows households to export excess electricity to the distribution grid, and receive corresponding bill credits, subject to applicable requirements.

“GSEL is more than a loan program. It gives our members and pensioners access to a practical way to manage their household energy costs while supporting cleaner energy. We want government employees and pensioners to benefit from solutions that promote financial security and energy resilience,” Veloso added.

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Filipino version

GSIS, Naglabas ng ₱10 Bilyong Solar Loans; Pinalalakas ang Kahandaan sa Enerhiya sa Gitna ng Pangamba sa El Niño

PASAY CITY, 11 Nobyembre 2026 — Mula sa dating buwanang bayarin sa kuryente na ₱5,000 hanggang ₱7,000, bumaba ito sa halagang ₱300 na lamang para sa ilang kawani ng gobyerno at pensionado matapos magpakabit ng solar panels sa kanilang mga tahanan. Patunay ito sa malaking tipid na naidudulot ng Ginhawa Solar Energy Loan (GSEL) program ng Government Service Insurance System (GSIS).

Malawak ang naging pagtangkilik sa programa sa buong bansa. Nitong 11 Nobyembre 2026, nakapagtala ang GSIS ng 66,233 loan applications na nagkakahalaga ng ₱19.81 bilyon. Sa halagang ito, ₱10.12 bilyon na ang na-credit sa mga borrower, habang ₱57.17 milyon naman ang naaprubahan na, kaya umabot sa ₱10.18 bilyon ang kabuuang halaga ng mga loan na na-credit at naaprubahan. May karagdagang ₱87.37 milyon na halaga ng mga aplikasyon ang kasalukuyang pinoproseso.

Bilang suporta sa pagsusulong ni Pangulong Ferdinand R. Marcos Jr. ng mas matatag na suplay ng enerhiya, paggamit ng renewable energy, at kahandaan sa epekto ng climate change, inilunsad ng GSIS ang GSEL noong Marso 2026 upang gawing mas abot-kaya ang pagpapakabit ng residential solar energy systems para sa mga kawani ng gobyerno. Layunin nitong makatulong sa mga pamilyang Pilipino na mapababa ang kanilang gastusin sa kuryente habang nakikiambag sa paglipat ng bansa sa mas malinis at sustainable na pinagkukunan ng enerhiya.

“Isipin ninyo, mula sa ₱7,000 na buwanang bayarin sa kuryente, maaari itong bumaba sa ₱300 na lamang. Para sa isang ordinaryong kawani ng gobyerno o pensionado, malaking tipid ito na maaari nilang ilaan sa pagkain, edukasyon, pagpapagamot, at iba pang pangangailangan ng pamilya. Sa pamamagitan ng GSEL, nais nating mas maraming kawani at pensionado ng gobyerno ang makinabang sa ganitong pagtitipid habang nakikiambag sa isang mas sustainable na kinabukasan,” ayon kay GSIS President and General Manager Jose Arnulfo “Wick” Veloso.

Ilang kawani ng gobyerno at pensionado ang nagbahagi na mula sa humigit-kumulang ₱7,000, bumaba sa ₱300 na lamang ang kanilang buwanang bayarin sa kuryente matapos magpakabit ng solar panels. Para sa isang pamilyang dating nagbabayad ng ₱7,000 kada buwan, maaari itong mangahulugan ng hanggang ₱80,400 na matitipid sa kuryente kada taon, bago ibawas ang mga bayad sa loan at iba pang gastusin sa pagpapakabit ng solar panels.

Abot-kayang pautang para sa renewable energy

Sa ilalim ng GSEL, maaaring makahiram ang mga kwalipikadong borrower ng hanggang ₱500,000 na may limang porsiyentong taunang interes. Maaari itong bayaran sa loob ng limang taon o 60 buwanang hulog, nang walang service fee.

Kasama rin sa programa ang tatlong taong libreng insurance coverage para sa mga ikinabit na solar panels laban sa sunog, kidlat, bagyo, at lindol, alinsunod sa mga umiiral na kondisyon at requirements. May kasama rin itong loan redemption insurance.

Upang gawing mas madali at accessible ang pag-avail ng loan, maaaring mag-apply ang mga kwalipikadong miyembro sa pamamagitan ng GSIS Touch mobile app.

Nauna nang inaprubahan ng GSIS Board of Trustees ang ₱12.5 bilyong pondo para sa programa, kabilang ang ₱60 milyon para sa insurance coverage. Pinalawak na rin ang GSEL upang maisama ang mga kwalipikadong GSIS pensioners, nang sa gayon ay mas maraming pamilyang Pilipino ang makinabang sa abot-kayang solar financing.

Mas matatag na mga tahanan sa gitna ng El Niño

Sinusuportahan din ng programa ang pagsusulong ng pamahalaan ng renewable energy at mas matatag na suplay ng kuryente sa bansa.

Lalo itong mahalaga sa gitna ng pangamba sa El Niño, na maaaring magdulot ng matagal na tagtuyot, mas mataas na temperatura, at karagdagang pressure sa suplay ng kuryente. Maaaring maapektuhan ng tagtuyot ang produksyon ng kuryente mula sa hydropower, habang ang mas mainit na panahon ay maaaring magpataas ng konsumo ng kuryente sa mga tahanan.

Maaari ring mag-apply ang mga kwalipikadong gumagamit ng solar energy sa net metering program ng pamahalaan. Sa ilalim nito, maaaring maipadala sa distribution grid ang sobrang kuryenteng nalilikha ng kanilang solar panels kapalit ng kaukulang credits na ibabawas sa kanilang bayarin sa kuryente, alinsunod sa mga umiiral na requirements.

“Ang GSEL ay higit pa sa isang loan program. Nagbibigay ito sa ating mga miyembro at pensionado ng praktikal na paraan upang mapangasiwaan ang kanilang gastusin sa kuryente habang sinusuportahan ang paggamit ng mas malinis na enerhiya. Nais nating makinabang ang mga kawani ng gobyerno at pensionado sa mga solusyong nagpapalakas ng kanilang seguridad sa pananalapi at kahandaan sa mga hamon sa enerhiya,” dagdag ni Veloso.

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