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Ma. Ruth

Update on Ma. Ruth

To make a living, Ma. Ruth operates a general store in her village. For more than seven years in the business, she has earned well for the family and has successfully repaid her previous loan used to purchase goods to sell. She needs to offer more goods in order to gain more income. She took a new loan from GDMPC to purchase additional grocery goods to sell. She plans to use the additional revenue made possible by this loan to improve her family's living conditions.

Previous Loan Details

Ma. Ruth is 55 years old and lives in La Victoria, Aurora, Zamboanga del Sur. She is married, has 4 children and earns a living by running a general store. She has been in this business for 6 years and earns 6,000 PHP per month. She joined GDMPC in 2010 and is requesting a loan of 20,000 PHP to p... More from Ma. Ruth'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
  • 1429
    View loans »
    Philippines Loans Fundraising
  • $59,148,800
    Funds lent in using Kiva
  • 45.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Ma. Ruth to purchase additional grocery goods to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jan 21, 2014
Jan 23, 2014
Currency Exchange Loss:
Feb 17, 2015
This photo was used before for a previous loan for Ma. Ruth. It was first posted on Kiva on Jan, 2013. Learn More