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Bernadette B. is from the village of So. Poblacion. She is 35 years old. Bernadette is married and has 1 infant child and 2 school-aged children. Bernadette owns & operates a dressmaking and a shoe repair shop. The main source of income for the business comes primarily from sewing and shoe repairs and also from fishing to local businesses and community members. Bernadette has been engaged in her business for over 3 years and earns approximately 2000 PHP a month for these activities.

In 2008, Bernadette joined PMPC to gain access to financial services to help improve her living situation and to engage in business activities. She has successfully repaid a previous loan from PMPC. She is requesting a new loan of 12000 PHP, which will be used to purchase housing materials for repairs to her house. This will be the 4th loan taken out by Bernadette from PMPC. She plans to use the additional revenue generated from the business to improve the general living conditions of her family.

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.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

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
  • 1465
    View loans »
    Philippines Loans Fundraising
  • $59,362,100
    Funds lent in using Kiva
  • 46.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Bernadette for the purchase of housing materials.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Dec 10, 2009
Jan 1, 2010
Currency Exchange Loss:
Jan 15, 2011