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Ruby is married with 3 children. She is 46 years old and lives in Dela Paz, Clarin, Philippines.

To earn a living, Ruby has a "suman" (a rice cake which is a native delicacy) business. She has had this business for 5 years. Each month she earns approximately 6,000 PHP. Ruby has been a member of PMPC for 8 years and has constantly reached to PMPC for the financial needs of her business. Now, she is applying for another loan to buy more bags of glutinous rice and more kilos of sugar and other ingredients.

In the future, Ruby hopes to financially support her immediate family members.

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
  • 1415
    View loans »
    Philippines Loans Fundraising
  • $59,134,475
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Ruby to purchase additional bags of glutinous rice and sugar for her suman business.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Jul 31, 2013
Aug 24, 2013
Currency Exchange Loss:
Oct 23, 2014