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Merdel is a 39-years-old married woman with 3 children who lives in Pan-ay Clarin, Philippines. To earn a living, Merdel has been a government employee for 7 years. Each month, she earns approximately PHP 10,000.

Merdel has been a member of PMPC for 5 years. In the future, Merdel hopes to save for future consumption.

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About Philippines

  • $1175
    Average annual income
  • 1157
    View loans »
    Philippines Loans Fundraising
  • $54,657,450
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD
A loan of $1,125 helped Merdel to purchase additional housing materials.
Repayment Term
19 months (Additional Information)
Repayment Schedule
Aug 2, 2013
Sep 4, 2013
Currency Exchange Loss:
Oct 4, 2013