A loan of $800 helped a member purchase additional products to sell.


Amormia's Group's story

Amormia A. is from the village of Bañadero, city of Ozamis. She is 35 years old, single and has one school-aged child. Amormia is the group leader of a three-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. The official name of this borrowing group is Amormia A.’s Group.

To make a living, Amormia owns and operates a general store. While not the only means for generating revenue, the main source of income for the business comes primarily from selling a variety of different products in the local community. She has been engaged in this business for two years and earns approximately 1,500 PHP a month.

In 2010, she joined PMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. She has successfully repaid a previous loan of 7,000 PHP from PMPC. Amormia is requesting a new loan of 10,000 PHP which will be used to purchase additional products for her retail store. This will be the third loan taken out by Amormia from PMPC. She plans to use the additional revenue generated from the business to improve the general living condition of her family.

About PMPC: Paglaum Multi-Purpose Cooperative (PMPC) is one of the most progressive cooperatives in northwestern 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.

About Group Loans

In a group loan, each member of the group receives an individual loan but is part of a group of individuals bound by a group guarantee. Under this arrangement, each member of the group supports one another and is responsible for paying back the loans of their fellow group members if someone is delinquent or default.

In this group: Amormia, Evangeline, Estherlita



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