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Carmena U. is from the city of Calabayan, Ozamiz City. She is 38 years old. Carmena is married and has 5 school-aged children. To make a living, Carmena owns & operates transportation services. While not the only means for generating revenue, the main source of income for the business comes from operating tricycle (three-wheeled vehicle) transport services. Carmena has been engaged in her business for over 3 years and earns approximately 20,000 PHP a month for these activities.

In 2009, Carmena joined GDMPC to gain access to financial services to help improve her living situation and ability to engage in business activities. Carmena has successfully repaid a previous loan of 20,000 PHP from GDMPC. Carmena is requesting a new loan of 40,000 PHP which will be used to repair existing vehicle for better service. This will be the fifth loan taken out by Carmena 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 units 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
  • 421
    View loans »
    Philippines Loans Fundraising
  • $69,606,975
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Carmena to repair existing vehicle for better service.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Feb 8, 2011
Feb 17, 2011
Currency Exchange Loss:
Oct 25, 2011