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As quoted by Napoleon Hill, "if you cannot do great things, do small things in a great way." Ms. Cerfuna has the strong determination to achieve her desire. She is married, residing at Tituron, Tangub City, Misamis Occidental and blessed with two children.

Ms. Cerfuna is a member of Paglaum Multi-Purpose Cooperative. She borrowed money from Paglaum MPC for the purpose of purchasing a motorcycle.

Ms. Cerfuna says that the best way to predict the future is to create it.

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
  • 471
    View loans »
    Philippines Loans Fundraising
  • $69,802,850
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Cerfuna to buy a motorcycle.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Jan 24, 2012
Jan 28, 2012
Currency Exchange Loss:
Aug 17, 2013