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Josephine V. is now 45 years old and is happily married to Gaudencio V. who is the same age. The sad part in the married life of Josephine and Gaudencio is that they lost their second child. That’s one of the trials in their life that really tested their faith. So the three children became two: Marites, now 25 years old and working as a sales lady, and Joshua, now 16 years old, and currently studying.

The main source of their income is through their variety store business that Josephine has run for ten years now. When she joined Kiva field partner Ahon sa Hirap Inc. (ASHI), she always used the loans that she received in her variety store business to make it grow. And now with her 8th loan she will use the loan again for improving her business. She will buy necessary things for her business to make it more productive.

As a member of ASHI for four years now, Josephine has been a good member. She is always present at center meetings and always on time in paying her responsibilities. That is why Josephine is really sure that she can make their life a better one because of her effort and with the help of ASHI.

One of Josephine’s dreams is that her youngest son finish his studies because she knows that education is one of the keys to success. She really loves her children, so she always wants the best for them every day of their life. She doesn’t want to experience again losing a child; it really broke her heart so much.

Additional Information

About ASHI

Ahon Sa Hirap, Inc. has the distinction of being the oldest existing replication of Grameen methodology for delivering credit to the poor in the Philippines. With more than a third of the nation’s 90 million Filipinos living below the poverty line, ASHI was established with the vision of helping to alleviate poverty in the Philippines. Translated from Tagalog, Ahon Sa Hirap means “to rise above poverty.”

Empowering women dedicated to supporting their families through hard work and dedication, ASHI lends 100% to women and specifically the bottom 50%, so the “poorest of the poor.” In addition to general business loans, ASHI also offers educational loans, house repair loans, savings funds, and social development programs for its members. ASHI is committed to translating its social mission into practice.

About Philippines

  • $7,000
    Average annual income
  • 1416
    View loans »
    Philippines Loans Fundraising
  • $59,139,250
    Funds lent in using Kiva
  • 47.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Josephine to finance her variety store business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 12, 2009
Oct 27, 2009
Currency Exchange Loss:
May 15, 2010