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Nelia, 40 years old, is married and lives in Caputol, Aloran, Misamis Occidental, Mindanao, Philippines.

Nelia and her husband earn a living through farming. She has experienced hardships in raising their family. This industrious member helps her husband plowing the rice field and planting vegetables and other varieties of agricultural commodities.

Nelia decided to join Paglaum Cooperative. Hearing all the benefits she didn't hesitate to become a member. She has received several loans already and paid her obligations in a timely manner. Recently, Nelia requested PHP 14,900 to buy materials to use for house repair. The income she earns from their farming activities shall be used to pay off the loan she requested from PMPC

Being a MIGS member (Member in Good Standing) of the cooperative, she has been able to manage her income. She is able to provide for the daily needs of her family. Nelia is very thankful because if it were not for Paglaum, she might not have any savings at all nor be guided properly in her finances. She hopes to own a land tractor someday for their rice field.

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

  • $7,000
    Average annual income
  • 1554
    View loans »
    Philippines Loans Fundraising
  • $59,060,350
    Funds lent in using Kiva
  • 44.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Nelia to buy materials to use for house repair.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Feb 14, 2014
Feb 24, 2014
Currency Exchange Loss:
Jan 19, 2015