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Gemma is from Aurora, Zamboanga del Sur. She is 43 years old, married and has three school-age children. Her husband is a farmer. Her husband cultivates their rice farm.

Gemma owns and operates a business venture in the agricultural sector, raising and harvesting rice for sale. Gemma sells her harvest rice commercially.

Gemma has been in this business for 22 years and earns approximately 25,300 PHP per month. This is the primary source of income for the family.

She came to the GDMPC office and requested a loan of 50,000 PHP to purchase fertilizer and seedlings. Fertilizer is used for the good growth of the rice, so that when it is matured, there is a good-quality harvest. Gemma plans that her returns will be re-invested back into the business and to double the income she receives, and to buy more land to cultivate.

Additional Information


Gata Daku Multi-Purpose Cooperative (GDMPC) was founded in 1992 by 32 farmer-members to empower people by providing livelihood opportunities and other support services. Today, it has over 15,000 members located in upland, lowland and coastal regions of the Philippines, and offers credit, savings, education, and various social services.

About Philippines

  • $7,000
    Average annual income
  • 469
    View loans »
    Philippines Loans Fundraising
  • $69,677,850
    Funds lent in using Kiva
  • 42.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Gemma to purchase fertilizer and seedlings.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Jun 21, 2012
Jun 29, 2012
Currency Exchange Loss:
May 17, 2013