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Sagapsapan's Group
In this Group: Lina, Annalis
Lina S. lives in the village of Banonong. She is 58 years old and leads a two-person loan group that receives funding from PMPC. While each member of the group receives an individual loan, they are both collectively responsible for paying back the loan for their fellow group member if she is delinquent or defaults.

Lina is a widow and has 3 adult children. She makes a living by selling barbecue in the local community. She has been in this business for more than 2 years and earns about 5,000 PHP a month from her work.

In 2006, Lina joined PMPC to gain access to financial services to help improve her life and ability to engage in business. She has successfully repaid seven previous loans from PMPC, and used each of them as additional capital for her business.

Lina and fellow her loan group member are each applying for a new loan of 12,000 PHP. Lina will buy additional fresh meats and spices for her business. She plans to use the additional revenue generated by her business to improve her family's living conditions.

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
  • 362
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of Sagapsapan's Group's $575 loan helped a member to purchase fresh meat and spices for barbecue vending.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 9, 2011
Mar 4, 2011
Currency Exchange Loss:
Dec 15, 2011