Someone (mag-, mang-) carries a load/cargo (-en).
Magkarga ako so marahmet.
I carry a heavy load.
Iyaw kargaen namenaw, ki pinangay namen do rabaw naw.
What we carried, we put in the upper level (of the outrigger boat).
Someone (mangi-) loads cargo (i-) into or onto a vehicle (-an).
Kargaan ko lampitaw.
I load cargo onto the outrigger boat.
Ikarga ko benyebeh do lampitaw.
I load bananas onto the outrigger boat.