your g/f not having a job shouldn't not matter that much if your fully sponsoring her trip, (thou its used many times for refusal, but like i said before many have got their visa without a job/property or money -so why wasn't your g/f ?)
do you send your g/f money ?
if you do, did you state your g/f doesn't need to work because you send her money every month?
i think the main reason for the refusal is that they don't believe she will go back - the classic excuse and the lack of her own finances is just a secondary excuse.
reasons to go back is difficult if she has no job or property, but a simple family tree showing most if not all her family are in the phils, a paragraph from you both stating you are aware of the seriousness of her overstaying and you wouldn't want to jeopardise any future visa applications for her or your relationship with her.
