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Ruby T. R. is from the city of Pulot, Ozamiz City. She is 34 years old. Ruby is married and has one infant child. To make a living, Ruby owns & operates a business operating a motor transport service. Ruby has been engaged in her business for over three years and earns approximately 15,000 PHP a month for these activities.

In 2009, Ruby joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Ruby has successfully repaid a previous loan of 20,000 PHP from GDMPC. Ruby is requesting a new loan of 25,000 PHP, which will be used to repair an existing vehicle for better service. This loan will be the third loan taken out by Ruby from GDMPC. She plans to use the additional revenue generated from the business to improve the general living conditions of her family.

About GDMPC:

GDMPC is one of the most progressive cooperatives in Mindanao, Philippines. It has four branches and three unit offices covering the provinces of Zamboanga del Sur, Lanao del NorT. and Misamis Occidental. Its membership is composed mostly of farmers, fisherfolks and small entrepreneurs.

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

Additional Information


Gata Daku Multi-Purpose Cooperative (GDMPC) was founded in 1992 by 32 farmer-members to empower people by providing livelihood opportunities and other support services. Today, it has over 15,000 members located in upland, lowland and coastal regions of the Philippines, and offers credit, savings, education, and various social services.

About Philippines

  • $7,000
    Average annual income
  • 1470
    View loans »
    Philippines Loans Fundraising
  • $59,150,875
    Funds lent in using Kiva
  • 45.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Ruby to repair existing vehicle for better service.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Mar 22, 2010
Apr 1, 2010
Currency Exchange Loss:
Dec 15, 2010