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Emma Group
In this Group: Emma, Leonila
Emma, age 50, has been a rice farmer for the past 10 years. She has requested a loan of PhP 23,900 to purchase fertilizer for her rice plants. Emma has been a member of PMPC for four years. She and her husband live with their four children in Clarin, Misamis Occidental.

Emma is the leader of a two-person group. Although they borrow as a group, each of the two members has her own business.

In the future, Emma hopes to improve the general living condition of her family.

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

  • $7,000
    Average annual income
  • 1791
    View loans »
    Philippines Loans Fundraising
  • $60,886,450
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of Emma Group's $575 loan helped a member to purchase fertilizer for her rice field.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 18, 2011
Nov 13, 2011
Currency Exchange Loss:
Aug 15, 2012