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"Simple woman" describes Mrs. Cesaria M., 54 years old, who is married and lives at San Isidro,Jimenez, Misamis Occidental. She is blessed with two children. Cesaria thought of a livelihood project in which she could help her husband. She ventured into buying & selling of RTWs (ready-to-wear clothes). Her primary customers are neighbors, friends and members of Paglaum Multi-Purpose Cooperative.

Having a mark-up of 20% per item sold is an additional income for her family. In this way, she can support her husband financially. Being a member of the cooperative is a big help for her project.

Now, she is applying for 14,900 Philippine Pesos to buy additional RTW's for sale. She aims to build a house someday. It would be a great achievement for her, if she sees all her children successful in their chosen careers.

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
  • 457
    View loans »
    Philippines Loans Fundraising
  • $69,734,400
    Funds lent in using Kiva
  • 48.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Cesaria to buy clothing for resale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 20, 2009
Apr 23, 2009
Currency Exchange Loss:
Feb 15, 2010