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Mrs. Merlinda B. is 35 years old, married, and blessed with one child. She lives with her husband in the Barangay (village) of Carmen Annex, Ozamiz City, Misamis Occidental. Merlinda operates a mini-boutique with goods from Zamboanga City as her main products. Together with her husband, she opened up a stall in one of the malls of the city. She has been in this kind of business for the past four years and earns approximately 12,000 PHP a month.

Merlinda joined PMPC in 2010 to gain access to financial services to help improve her living conditions and enable her to engage in business activities. She has successfully repaid a previous loan of 40,000 PHP from PMPC. Merlinda is now requesting a loan of 50,000 PHP to be buy more clothes for her mini-boutique business.

Merlinda plans to use the additional revenue generated from her loan to improve the general living conditions of her family and better meet their basic needs. She also would like to save for the future and pay for her child’s education as well as repay loans, purchase insurance and, possibly, expand her business.

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.

Delia Ochagabia is from Gango, Ozamiz City. She is 43 years old and still single. She is a dealer of Avon products like perfume, lotion, beauty products and other cosmetics supplies. She sells to her neighbors and friends. She has been engaged in this business for

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.

About Philippines

  • $7,000
    Average annual income
  • 326
    View loans »
    Philippines Loans Fundraising
  • $70,768,400
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Merlinda to purchase more clothes for her mini-boutique.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 20, 2011
Apr 25, 2011
Currency Exchange Loss:
Apr 15, 2012