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Emma is from Gango, Ozamiz City. She is 58 years old and married to Artemio. They are blessed with five children, three of whom are already working and the rest are still studying. To make a living, Emma owns and operates a canteen store. She makes and sells snacks and other delicacies in the local community. She has been engaged in her business for one year and earns approximately $118 a month.

In January 2006, Emma joined Paglaum MPC to gain access to financial services to help improve her business and living situation. She has successfully repaid a previous loan from PMPC.

Emma is now requesting a new loan of 50,000 PHP, which will be used to purchase raw ingredients for her snacks and other delicacies for her business. This will be her 7th loan from PMPC. She plans to use the additional revenue generated from the business to improve the general living conditions of her family.

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
  • 452
    View loans »
    Philippines Loans Fundraising
  • $69,660,550
    Funds lent in using Kiva
  • 43.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Emma to purchase raw ingredients for her snacks and other delicacies business.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Apr 20, 2011
May 20, 2011
Currency Exchange Loss:
Apr 18, 2013