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Herminia is married with four children. Herminia is 52 years old and lives in Palomoc, Titay, Zamboanga del Norte.

Herminia sells charcoal to earn a living and has had this business for two years. Each month, she earns 15,000 doing this type of work. She has requested a loan for 20,000 PHP to purchase more coconut shell for her charcoal sales business.

Herminia has been a member of PMPC for one year. In the future, Herminia hopes to expand her 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.

About Philippines

  • $7,000
    Average annual income
  • 431
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Herminia to purchase more coconut shells for her charcoal sales business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Mar 13, 2012
Mar 23, 2012
Currency Exchange Loss:
Apr 18, 2013