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Mrs. Norma B. is a resident of Carmen Annex, Ozamiz City. She is married to Rosendo B. and has four school age children.

Mrs. B.’s husband is a tricycad driver. A tricycad is a bicycle with three wheels which is commonly used for transportation here in downtown Ozamiz City. He is also engaged in green algae culture, which in Filipino native language is known as “guso”- a green algae or seaweed. Mrs. B. also sells snack food in her neighborhood on Sundays but their daily source of living comes from her husband’s tricycad operation for which he earns Php 300 per day.

Mrs. B. joined PMPC in 2006 and her first loan was Php 3,000 which she used as additional payment of the tricycad which she had bought. Right now she is applying for her 8th loan in the amount of Php 14,000 intended to purchase spare parts and pay for repairs to her husband’s tricycad.

Mrs. B.’s future plans for her family are to be able to send her four children to college and to be able to make a comfortable house since they are living near the seashore and, during high tide, the water gets inside their house. She is hoping and praying that through the help of PMPC and Kiva lenders she will fulfill her future plans.

Additional Information

About Paglaum Multi-Purpose Cooperative

Paglaum Multi-Purpose Cooperative (PMPC) was founded in 1992 by the beneficiaries, parents and staff of the Paglaum Community Development Foundation to address economic and livelihood activities for sustainability. The organization operates in the northwestern provinces of Mindanao and Visayas.

In the local vernacular, “paglaum” means “hope.” The initial foundation is dedicated to child development through a holistic approach. The goal is to build self-reliance and expand opportunity so the poorest of the poor can help themselves.

About Philippines

  • $7,000
    Average annual income
  • 1829
    View loans »
    Philippines Loans Fundraising
  • $60,865,650
    Funds lent in using Kiva
  • 48.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Norma to purchase spare parts for her husband's tricycad.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jul 31, 2009
Sep 1, 2009
Currency Exchange Loss:
Jun 15, 2010