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P2,000 and up
As little as P2,000 can help a housewife take the first step towards self-sufficiency. Contribute to the
PinoyME Common Fund.

P100,000 and up
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PinoyME Directed Fund.



“I borrowed money to improve our lives. I bought seeds that my neighbors planted, then I sold the produce.”

Initial loan: P3,000 Annual sales: P768,000 Annual profit: P488,000

Life used to be grim for Saturnina Diez of Cebu when she had five mouths to feed and no business of her own to live on.

In 2000, she thought of selling vegetables at the Carbon market and went to CMEDFI (Cebu Microenterprise Development Foundation, Inc.) to borrow P3,000 for capital. She started supplying her neighbors with seeds and fertilizer so they could plant. At harvest time, she bought their produce to sell at the Carbon market.

Sales and profits steadily grew. Every time Saturnina completed one loan cycle, she started a new one to expand her production capacity. Eventually, she was able to buy her own land to cultivate. In 2007, she was on her thirteenth loan cycle, with a loan amounting to P100,000. No matter how big her borrowings get, she consistently pays on time.

“I want my children to have more than what I have now,” she says. “I want them to learn more than farming because this work is difficult. But without this business, my neighbors and I would not have been able to send our children to college.”