Joyce is married and has five children. She is 44 years old and lives in Sebasi, Clarin, Misamis Occidental. Joyce owns a plot of farm land, planting coconuts to earn a living. She has been in this business for 10 years and earns 6,000 Philippine Pesos (PHP) each month. She requested a loan of 6,500 PHP to purchase farm chemicals. Joyce been a member of Kiva's partner, GDMPC since 2008. In the future, Joyce's plan is to save her returns in order to expand their house.
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.