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Retailing helped Ermilinda provide for the family. She retails charcoal and brings a meager income of Php 6,000 per month. She found the business of buying and selling charcoal easy and simple because all she needed to do is to weigh and repack the charcoal for her buyers. Ermilinda plans to expand her retailing business. She applied a loan to PMPC for the needed capital. She wants to purchase inventories of charcoal for retail. Ermilinda smiles at the fact to see all her children finish their studies.

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
  • 330
    View loans »
    Philippines Loans Fundraising
  • $65,921,425
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Ermilinda to purchase inventories of charcoal for resale.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jun 6, 2014
Jun 19, 2014
Currency Exchange Loss:
Apr 17, 2015