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Emerita T. is from the village of Panay, Daku, Clarin, Misamis Occidental. She is 41 years old. Emerita is married and has 5 adult children. To make a living, Emerita owns & operates a business venture in the services sector operating transportation services. While not the only means for generating revenue, the main source of income for the business comes from operating service-based services. Emerita has been engaged in her business for over 4 years and earns approximately 7000 PHP a month for these activities.

In 2009, Emerita joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Emerita has successfully repaid a previous loan of 12,500 PHP from GDMPC. Emerita is requesting a new loan of 15,000 PHP which will be used to repair existing vehicle for better service. This will be the fourth loan taken out by Emerita from GDMPC. She plans to use the additional revenue generated from the business to improve the general living conditions of her family.

About GDMPC:

GDMPC is one of the most progressive cooperatives in Mindanao, Philippines. It has four branches and three unit offices covering the provinces of Zamboanga del Sur, Lanao del Norte and Misamis Occidental. Its membership is composed mostly of farmers, fisherfolk and small entrepreneurs.

*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.

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.

About Philippines

  • $7,000
    Average annual income
  • 377
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Emerita to repair existing vehicle for better service.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
At end of term
Oct 5, 2010
Oct 7, 2010
Currency Exchange Loss:
Jul 15, 2011