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Concepcion, 47 years old, lives in Tipan, Oroquieta City. She was gifted with four children.

Concepcion is the breadwinner for the family. She has experienced hardships, especially in raising her family. This industrious member finds herself plowing the rice field and planting vegetables and other varieties of agricultural commodities.

In need of additional working capital, Concepcion decided to join Paglaum Cooperative. She has received several loans already, and recently requested PHP 8,000 for buying farm and garden fertilizer and paying labor costs for cultivating their land.

Being a MIGS member (Member in Good Standing) of the cooperative, she has been able to manage her income. She is able to provide for the daily needs of her family. Concepcion is very thankful because if it were not for Paglaum, she might not have any savings at all nor be guided properly in her finances.

She hopes to own additional farmland someday to use for future purposes.

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
  • 357
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 44.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Concepcion to buy sacks of fertilizer and pay labor costs for cultivation.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Nov 29, 2013
Dec 18, 2013
Currency Exchange Loss:
Aug 17, 2014