Pag-IBIG Overseas Program. Several public and private entities offer transnational loans for a variety of purposes. The Philippine government’s Pag-IBIG Overseas Program, for example, allows overseas Filipino workers to access short-term loans under the Multi-Purpose Loan Program (to help finance members’ immediate medical, educational, or livelihood needs; minor home improvements including the purchase of furniture and appliances; and other related needs) and the Calamity Loan Program (for those in need of financing due a recent calamity). In addition, overseas Filipino workers can also access a housing loan under the End-User Financing Program or the Magaang Pabahay, Disenteng Buhay Program. To.