Benefits

Government loans. Company loans. Earned wages. All on autopilot.

Tracking loan balances, calculating repayments, chasing approvals, reconciling against payroll — benefits administration is one of the most manual jobs in Philippine HR. KAMI automates the entire process, end to end.

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The problem with benefits today

Every loan request creates more work for HR.

In most Philippine companies, benefits administration runs on spreadsheets, email chains, and someone’s memory. It works until it doesn’t — and it breaks at exactly the wrong moment.

Manual tracking

Loan balances tracked in a spreadsheet no one fully trusts.

Government and company loans accumulate across dozens of employees. One wrong deduction, one missed repayment — and you’re fixing it at cut-off.

Disconnected from payroll

Repayments calculated by hand, every single cut-off.

When loans aren’t connected to payroll, someone manually works out every deduction, every period. That person has other things to do.

No visibility

Employees have no idea where their loan balance stands.

Without self-service access, every balance inquiry lands in HR’s inbox. Small admin tasks that add up to hours every week.

What Benefits does

Loan management and earned wages — fully automated.

KAMI Benefits handles the entire lifecycle — request, approval, repayment, and reconciliation — without manual intervention. For government loans, company loans, and QuickPay earned wage access.

Government loan management

SSS, Pag-IBIG, and other government loans tracked, deducted, and reconciled automatically every cut-off. No manual calculation, no missed repayments.

Company loan management

Configure unlimited loan types with your own policies, credit scoring, installment schedules, and multi-tiered approval workflows. KAMI enforces them automatically.

Payroll-integrated repayments

Every loan deduction flows directly into payroll — calculated, applied, and recorded without anyone touching a spreadsheet.

KAMI QuickPay — Earned Wage Access

Employees access a portion of wages already earned before payday. Zero interest, minimal fees. Repaid automatically on the next payroll run — no float risk to the company.

Employee self-service

Employees request loans, track balances, and access QuickPay directly from the KAMI app. Every inquiry HR doesn’t have to answer.

Full audit trail

Every request, approval, disbursement, and repayment logged automatically. Clean records for every loan, every employee, every audit.

What this means for your business

Benefits that run themselves. Employees who notice.

When loan administration is automated, HR gets hours back at every cut-off. When employees can access their wages and manage their loans without chasing anyone, they notice — and they stay.

Cut-off without the benefits scramble.

Loan repayments calculate and deduct automatically. No manual reconciliation, no last-minute fixes. Benefits are done before payroll runs.

Up to 49% reduction in employee attrition.

Access to earned wages and a fair, transparent loan process are two of the highest-impact retention benefits a Philippine employer can offer.

One place for every benefit, every employee.

Government loans, company loans, QuickPay — all in the same platform as HR, attendance, and payroll. No parallel systems, no data gaps.

AI & Automation

KAMI monitors loan exposure across your entire workforce.

Automated flags on repayment gaps, overdue balances, and policy breaches — so HR stays on top without manually tracking every case.

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The product

Every loan. Every balance. Every repayment — in one place.

HR sees the full picture. Employees manage their own. Payroll gets the right numbers automatically. Nothing falls through the cracks.

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What Filipino HR teams are saying

Loved by the people who actually use it — over 1,080+ Filipinos and counting.

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Common questions