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Merle's Group
In this Group: Merle, Elpidio
Merle is 48 years old and lives in Nacional, Jimenez, Misamis Occidental. She is widowed with 3 children.

Merle is engaged in making polvoron (powdered milk candy) and a hypo (a chemical used for water purification and cleaning) vending business, and earns approximately 3,000 PHP each month doing this type of work. She has requested a loan to be used in purchasing additional ingredients for polvoron making and liters of hypo for sale.

Merle has been a member of PMPC for just this year. In the future, Merle hopes to expand her business. Merle is the leader of a 2-person group. Although they borrow as a group, each member of the group has their own business.

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
  • 2114
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 41.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of Merle's Group's $200 loan helped a member to purchase additional ingredients for polvoron making and liters of hypo for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 24, 2012
Sep 8, 2012
Currency Exchange Loss:
Mar 15, 2013