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Update on Gemma

Gemma operates a retail business selling homemade products in her village to make a living. She has been doing this for more than two years, earning enough for her daily needs. She has successfully repaid her previous loan that she used in her business. Recently, she had borrowed a new loan to purchase additional raw ingredients in order to cater orders from customers. She plans to use the additional revenue generated from the loan as a reserve for future emergencies.

Previous Loan Details

For over five years in Camanga, Tukuran, Gemma, a 46-year-old married mother of three children has made a living through the operation of a retail business, selling a variety of food and homemade products. She earns 15,000 PHP a month for these activities. In 2011, Gemma joined GDMPC to gain a... More from Gemma's previous loan »

Additional Information


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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 1792
    View loans »
    Philippines Loans Fundraising
  • $60,919,225
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Gemma to purchase additional raw ingredients.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 10, 2014
Jan 13, 2014
Currency Exchange Loss:
Aug 17, 2014
This photo was used before for a previous loan for Gemma. It was first posted on Kiva on May, 2012. Learn More