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Emma is married with three children. Emma is 24 years old and lives in Lopoc, Labason, Zamboanga del Norte.

Emma operates a bakery to earn a living and had this business for three years. Each month, she earns 30,000 PHP doing this type of work. She has requested a loan of 50,000 PHP to purchase raw ingredients for her bakery business.

Emma has been a member of PMPC for three years. In the future, Emma hopes to improve her 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.

About Philippines

  • $7,000
    Average annual income
  • 771
    View loans »
    Philippines Loans Fundraising
  • $63,325,000
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,225 helped Emma to purchase raw ingredients for her bakery business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 9, 2013
May 25, 2013
Currency Exchange Loss:
May 17, 2014