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Emma Babayran Group
In this Group: Emma , Ragol , Elisa
Emma is a 50-year-old woman from the village of Dela Paz Clarin, Misamis Occidental. She is the group leader of this three-member group. While each member of the group receives an individual loan, they are collectively responsible for paying back the loans of their fellow group members if they are delinquent or default.

Emma is married and has four adult-age children. To earn a living, she owns and operates a business venture in the agriculture sector. Specifically, she plants and harvests rice for sale in her local community. She has been engaged in her business for over 25 years and earns approximately 10,000 PHP per month from these activities.

In 2007, Emma joined PMPC to gain access to financial services. In turn, she has been better able to engage in business activities and to thereby improve her standard of living. Notably, this would be her seventh loan through PMPC. Most recently, she successfully repaid a prior loan in the amount of 14,000 PHP from PMPC, which was used to purchase additional inventory and for additional working capital. Emma is now requesting another loan, this time in the amount of 14,900 PHP, which will be used to purchase new items to expand her product line. She plans to use the additional revenue generated from the business as a result of the loan to improve and expand her business.

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.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Philippines

  • $7,000
    Average annual income
  • 393
    View loans »
    Philippines Loans Fundraising
  • $69,611,525
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of Emma Babayran Group's $725 loan helped a member to expand adn improve her business by purchasing additional inventory.
100% repaid
Repayment Term
9 months (Additional Information)
Repayment Schedule
Jan 24, 2011
Feb 24, 2011
Currency Exchange Loss:
Sep 15, 2011