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Nora D., from the village of Gulayon, is 39 years old, married and has seven children, five of whom are students while the other two are yet too young to attend school. To make a living, Nora makes and sells food, her main source of income coming from making and selling cassava cake in the local community. Engaged in her business for over five years, she earns approximately 4,500 Philippine pesos a month.

In 2005, Nora joined PMPC, a Kiva partner, to gain access to financial services to help improve her living situation and ability to engage in business activities. Having repaid her previous loan of 7,000 PHP from PMPC, she is requesting her ninth loan for 12,000 PHP to purchase materials for house renovation.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Philippines

  • $7,000
    Average annual income
  • 1811
    View loans »
    Philippines Loans Fundraising
  • $60,867,300
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Nora to purchase materials for house renovation.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 18, 2011
Mar 17, 2011
Currency Exchange Loss:
Dec 15, 2011