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Update on Gemma

Gemma owns and operates a business venture in the agricultural sector, raising and harvesting rice to sell. Gemma sells her harvested rice commercially.

For many years, she has earned a good income. She was able to make some improvements to her house, put up a retail store and also successfully repay her previous loan used for farming.

Recently, Gemma took a new loan to purchase additional grocery goods to sell. Gemma plans to re-invest her profits into the business, to buy more land to cultivate and to double the income she receives.

Previous Loan Details

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 he... More from Gemma's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 519
    View loans »
    Philippines Loans Fundraising
  • $69,838,675
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,150 helped Gemma to purchase additional grocery goods to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 24, 2014
May 24, 2014
Currency Exchange Loss:
May 17, 2015