Also known as the Balik-Paaralan Para sa mga Out of School Adult (BP-OSAHi) Program, this innovation provides out-of-school adults aged 20-45 to return to school to finish secondary education at their own pace and start small-scale business through the assistance of participating lending institutions. Five of its graduates were already granted by the DSWD with a starting capital. This program started in S.Y. 1996-1997.