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Joi is 40 years-old and lives in Northern Poblacion, Calamba Misamis Occidental. She is married with three children.

Joi is engaged in selling ready-to-wear clothes. She has been doing this kind of business for five years and she earns approximately 1,200 a month. She has requested a loan to be used to pay for her son's tuition fees.

Joi has been a member of Kiva partner PMPC for almost eight years.

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
  • $69,718,725
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Joi to pay for her son's tuition fee.
100% repaid
Repayment Term
26 months (Additional Information)
Repayment Schedule
Apr 11, 2013
Apr 15, 2013
Currency Exchange Loss:
Oct 23, 2014