A loan of $200 helped to buy sacks of fertilizer and pay labor costs for cultivation.

Concepcion's story

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.

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