A loan of $575 helped a member to purchase additional seeds, seedlings and young crops to raise.


Flor's Group's story

Flor T., aged 45, is from the village of Villaflor. She is the group leader of a 4-member group loan offered by PMPC. While each member of the group receives an individual loan, they are all collectively responsible for paying back the loans of their fellow group members if someone is delinquent or defaults. Flor is married and has four school-aged children. To make a living, she owns and operates a gardening business in the agriculture sector raising crops. While not the only means for generating revenue, the main source of income for the business comes from planting and harvesting a variety of vegetables for sale. Flor has been engaged in her business for over 11 years and earns approximately 7000 PHP a month from these activities. In 2000, Flor joined PMPC to gain access to financial services to help improve her living situation and her ability to engage in business activities. She has successfully repaid a previous loan from PMPC. Flor is requesting a new loan of 7000 PHP which will be used to purchase additional seeds, seedlings and young crops to raise. This will be the 10th loan she has taken out from PMPC. She plans to use the additional revenue generated from the business to financially support immediate members of her family. About PMPC: Paglaum Multi-Purpose Cooperative (PMPC) is one of the most progressive cooperatives in north-western Mindanao. It reaches out to the rural poor using the Grameen model. *Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

In this group: Flor, Fe, Elsa, Lory
*not pictured



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