Micro, small, and medium-sized enterprises (MSMEs) are the heart of the Philippine economy, accounting for 99.5% of all business establishments. These enterprises generate employment, drive innovation, and contribute significantly to the country’s economic growth. A report by the Asian Development Bank states that a remarkable 55.8% are owned or led by women, showcasing their pivotal role in the entrepreneurial landscape. Women-owned MSMEs in the Philippines are a testament to resilience, resourcefulness, and ambition. However, despite their undeniable impact, women entrepreneurs continue to face significant challenges that hinder their business growth and financial independence.

The same ADB report states that 79% of women-owned MSMEs in the Philippines are entirely owned by women, while 19% are majority-owned by women. The report also highlights that despite their strong presence, women-led businesses face barriers in financing, formalization, and digital adoption.

The Successes and Challenges of Women Entrepreneurs

Filipina entrepreneurs have achieved incredible success in various industries, from retail and food businesses to personal care and direct selling. Their ability to balance business with family responsibilities, maintain strong community ties, and exhibit financial prudence have contributed to their enterprises’ long-term sustainability. However, several barriers continue to prevent many women from reaching their full potential in business:

1. Access to Finance – Women entrepreneurs often struggle with limited access to capital due to lack of collateral, credit history, or formal financial documentation. While many rely on personal savings and microfinance institutions, securing bank loans remains a challenge. According to the ADB report, only 2% of women-owned MSMEs secure bank loans, compared to 5% of men-owned businesses.
2. Balancing Responsibilities – Cultural expectations and societal norms place a dual burden on women as both primary caregivers and business owners, making time management and scaling up a business difficult.
3. Gender Bias – Women in business frequently encounter skepticism about their leadership and management capabilities, leading to fewer opportunities for networking and business expansion.
4. Lack of Digital and Financial Literacy – Many women-owned businesses, especially microenterprises, lag behind in adopting digital financial services and e-commerce, limiting their market reach and growth potential. The ADB report highlights that 72% of women-owned MSMEs do not utilize digital financial services, compared to 56% of men-owned MSMEs.

Despite these challenges, women entrepreneurs continue to thrive and contribute immensely to the economy. Supporting them is not just a matter of gender equality—it is a powerful economic strategy for national development.

Personal Collection’s Commitment to Women’s Entrepreneurship

Personal Collection Direct Selling, Inc.has long been a champion of women’s empowerment through business ownership. With 97% of our million-strong dealers being women, we have built a community that uplifts and supports Filipinas in their journey toward financial independence. Our direct selling model provides an accessible, low-risk opportunity for women to start and scale their businesses without the typical financial and operational barriers of traditional enterprises.

Here’s how Personal Collection supports women entrepreneurs:

1. Easy Business Entry – Unlike traditional businesses that require large capital investments, PC dealers can start with minimal startup costs and access high-quality products that are in demand.
2. Financial Growth and Independence – Our business model allows women to earn based on their effort and strategy, giving them control over their financial future and empowering them to achieve their family’s dreams.
3. Training and Mentorship – Personal Collection provides comprehensive training in sales, leadership, and business management, equipping women with the skills needed to succeed.
4. Flexible Work Arrangement – Recognizing the dual responsibilities of women, our business model enables them to balance family life with entrepreneurial pursuits, working on their own terms.
5. Strong Support System – Through our community of dealers, PC fosters a culture of encouragement and collaboration, where women empower other women to succeed.
6. Digital Integration – PC continuously innovates by introducing digital selling tools, cashless payment systems, and online training to help our dealers compete in the modern business landscape.

Read more about the PC negosyo model here: What is direct selling?

Empowering Women, Strengthening the Nation

Women-owned businesses are not just personal ventures—they are catalysts for national progress. When women succeed in business, they uplift their families, strengthen their communities, and contribute to economic development. By breaking financial barriers, providing sustainable opportunities, and equipping women with the right tools, Personal Collection is not just in the business of selling products—it is in the business of transforming lives.

As the Philippines continues to recognize the importance of women in business, Personal Collection remains committed to fostering an environment where every Filipina has the opportunity to thrive. Whether it’s through financial independence, skill development, or community support, we believe that empowering women entrepreneurs is key to building a stronger, more prosperous nation.

Because when women succeed, we all succeed. 

Start your direct selling business today! With low capital, flexible credit terms, up to 25% off on products, and free training and support, Personal Collection makes it easy for women to succeed. Take control of your future and build a thriving business on your own terms! Register for free here.