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Andrita Calapiz Group
In this Group: Andrita, Cecilia, Marycel, Helan Grace
Andrita is a widow with four children. Andrita is 65 years-old and lives in East Poblacion, Rizal.

Andrita sells assorted groceries to earn a living and has had this business for four years. Each month, she earns PHP 3,500 doing this type of work. She has requested a loan of PHP 3,000 in order to purchase housing materials needed for house repair.

Andrita has been a member of Kiva partner PMPC for four years. In the future, Andrita hope to improve the living situation of her family from the income generated from her business.

Andrita is the leader of a four person group. Although they borrow as a group, each member of the group has their own 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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Philippines

  • $7,000
    Average annual income
  • 482
    View loans »
    Philippines Loans Fundraising
  • $69,645,400
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A portion of Andrita Calapiz Group's $325 loan helped a member to purchase housing materials (plywood, nails. etc.).
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 6, 2011
Sep 25, 2011
Currency Exchange Loss:
Apr 15, 2012