62 The right to social security of the workers in the informal economy/ sector timely. National policies and guidelines that are vague, general, and fragmented cause so much distress not only to the law enforcers but also among citizens. d. Likewise, anomalies and violations should not go unchecked and unpunished. Thus, remedial mechanisms that have been put in place should be accessible, effective, and responsive. This is one of the means to check those who are in power and impose corrective measures against erring officials. 17. Nearly half of the participants have outstanding debts before the lockdown but it is worth stressing that they can sufficiently pay the outstanding balance. However, the imposition of the lockdown has impaired their capacity to pay. Some of them had to resort to credit and financial facilities to cover their household expenses. Accordingly, almost 30 percent of the participants have higher outstanding debts. 18. Access to credit and other financial facilities, whether formal or informal, provides financial support not only to business enterprises but also to individuals and families. Studies generally suggest that crises, such as the COVID-19 pandemic, will likely aggravate poverty incidence and income inequality, especially among vulnerable groups. Thus, having access to credit and financial intermediation systems may increase social and economic opportunities, improve economic security, boost bargaining power particularly for women, and enhance self-confidence, specifically as providers of resources to the household. This is more important during the period when the WIES suddenly lost their sources of income. For the workers in the informal economy consulted, they find non-bank and informal financial institutions relatively easy to access because of the absence of the tedious and strict process of verification and qualification of formal financial institutions. These informal financial and credit facilities such as “5-6”, moneylenders and pawnbrokers, rotating savings and credit association, among others, fill the gap of accessing financial services which overcome the lack of collateral requirements, bureaucratic loan application, disbursement procedures, the time and resources needed to visit the banks and discriminatory banking culture. a. Recognizing the positive impacts of having sustainable access to credit and microfinance, the government should look into developing mechanisms providing WIES, including small and medium enterprises access to financial