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“When we moved to Davao (to escape violence in Cotabato), we knew no one and we had nothing. But I knew how to raise ducks.”

Initial loan: P7,000 Annual sales: P960,000 Annual profit: P740,000

Several years ago, violence drove Milagros Dorado and her husband to leave their hometown of Isulan, Cotabato and move to Asuncion, Davao del Norte. “We only had a wooden bed to sleep on,” she recalls. “We used a metal sheet as a roof.”

Milagros had experience raising ducks in Isulan, so she decided to do the same in Asuncion to provide for her family. “I took care of the ducks until they laid eggs after five months. They’ve kept on laying eggs ever since.”

With the seeds of her initial efforts starting to bear fruit, Milagros borrowed P7,000 from the Rural Bank of Santo Tomas (RBST) in 2006 to buy coconuts that she processed into copra. She then turned the empty coconut shells into charcoal, which she sold for cash. Later on, she invested in pigs, chickens, and rice.

She wisely understands that diversification is the key to ensuring her family is never without a source of income. “If I get a small harvest of eggs, I have my hog raising business to fall back on. When it’s not rice harvest season, I harvest coconuts.”