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Erma Anino is from the village of Tuyabang Alto. She is 48 years old. Erma is married and has 1 adult-aged child. To make a living, Erma owns & operates a "sari-sari" store n the retail sector. Her main source of income from the business comes primarily from selling a variety of different products in the local community. Erma has been engaged in her business for over 3 years and earns approximately 7,000 PHP a month for these activities. In 2006, Erma joined PMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Erma has successfully repaid previous loans from PMPC. Erma is requesting a new loan of 12,000 PHP which will be used to purchase additional products to sell. This loan will be the 10th loan taken out by Erma from PMPC. She plans to use the additional revenue generated from the business to supplement the family's income.

About PMPC: Paglaum Multi-Purpose Cooperative (PMPC is one of the most progressive cooperatives in northwestern Mindanao. It reaches out to the rural poor using the Grameen model.

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
  • 1087
    View loans »
    Philippines Loans Fundraising
  • $57,648,050
    Funds lent in using Kiva
  • 47.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Fedelina to purchase additional products to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 9, 2009
Oct 29, 2009
Currency Exchange Loss:
Dec 15, 2009