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A.batapa's Group
In this Group: Arsulita, Lucia, Indus, Elena, Jennifer, Godilla
Arsulita B., 70 years old, is from the village of Buenavista. She is is the group leader of a 6-member group loan offered by PMPC. While each member of the group receives an individual loan, they are all collectively responsible for paying back the loans of their fellow group members if someone is delinquent or defaults.

Arsulita is married and has 9 adult children. To make a living Arsulita operates a "sari-sari" store where she sells a variety of different products in the local community. Arsulita has been engaged in her business for over 11 years and earns approximately 8000 PHP a month.

Arsulita joined PMPC in 2000 to improve her living situation and ability to engage in business activities. She has successfully repaid her previous loans from PMPC. Arsulita is requesting her 14th loan, for 5000 PHP, which she will use to purchase additional products to sell. She plans to use the additional revenue to financially support immediate members 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.


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 Partners 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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Philippines

  • $1175
    Average annual income
  • 228
    View loans »
    Philippines Loans Fundraising
  • $52,023,300
    Funds lent in using Kiva
  • 44.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of A.batapa's Group's $1,050 loan helped a member to purchase additional inventory.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Apr 15, 2010
May 6, 2010
Currency Exchange Loss:
Dec 15, 2010