Amado (54), a widower, is a responsible father to his three sons; Amado Jr. (33), Marcelo (29), and Julius (24). He lives with his oldest and youngest son in a two-roomed native house with a beautiful garden maintained by Amado himself. The second son is now married and lives separately. We came to know the family last year when Amado was referred to us by one of our good clients. Amado received his first loan from us in June last year, which enabled him to redeem a portion of his one-hectare coconut farm. The farm had been pawned to pay for his wife’s treatment for chronic kidney disease but sadly she never fully recovered and died two years later. With the loan from us, Amado was able to regain possession of 25 of his 100 coconut trees from which he harvests coconuts to produce copra. The income from copra enabled him to pay the final tuition fee of his youngest son Julius (24), who graduated in October 2021 with a degree in Electronics.
Aside from producing copra, Amado raises goats and native chickens which he sells, giving him an average income of 2,000 pesos ($40) a month; he also grows various vegetables for home consumption. Amado Jr. who has a job as a maintenance worker in a mall in Tagbilaran City, Bohol’s capital, contributes to the family expense budget from his salary of 8,000 pesos ($160) a month.
In December 2021, a super typhoon devastated wide areas of the Central Visayas region and Amado’s livelihoods were not spared. Two of his pregnant goats and two kids tragically died when a coconut tree fell on top of them and he lost most of his chickens. Furthermore, 12 of his coconut trees came down and his kitchen was destroyed. Fortunately, Amado was one of those who received government typhoon assistance, enabling him to buy some tin sheets. He was also able to retrieve some lumber from some fallen coconut trees to repair his kitchen.
Amado has fully repaid his loan to us despite his difficult circumstances. He is now seeking our help once more for a loan to redeem another portion of his coconut farm. The loan will allow him to have another 50 coconut trees back in his possession to add to the 13 that survived the typhoon.
Amado is excited about resuming full scale copra production. Marcelo and Julius will be the ones to climb the trees and gather the coconuts and Amado Jr. will help his father to extract the coconut meat and dry it on his days off. Amado hopes to produce an average of 400 kilos of copra quarterly, which can be sold for 12,000 pesos ($240). He will be happy to give Marcelo a share of the sales to help with his own family expenses. Amado plans to set aside some of his copra earnings so that he can redeem the remaining 25 coconuts that were mortgaged in 2017. We at the PSHF are always glad to help a hard-working man like Amado.
Analyn T. Gallibot