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Elina M. is from the village of Zone 4, Tumpagon, Cagayan de Oro City. She is 34 years old. Elina is married and has one child in school.

To make a living, Elina runs a variety (sari-sari) store. Her main source of income comes from selling different products to the local community. Elina has been engaged in her business for over 3 years and earns approximately 6000 PHP a month for these activities.

In 2009, Elina joined HSPFI to help improve her living situation and ability to engage in business activities. Elina successfully repaid her first loan of 5000 PHP from HSPFI. Elina is requesting her second loan of 8000 PHP which she will use to purchase additional products to sell.

She plans to use the additional revenue generated from the business to improve and expand her business.


HSPFI is an accredited partner of Opportunity International in the Philippines. It is based in Cagayan de Oro City and reaches out to the poor households of Northern Mindanao.


To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, Kiva created this template for our Field Partner to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

Additional Information

About Hagdan Sa Pag-uswag Foundation, Inc.

Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI) is a non-governmental development organization founded in 1987 to promote Christian values through microfinance services in the Philippines. It partners with Opportunity International and the Mindanao Microfinance Council among others, and offers a range of business and community development services, including savings and insurance programs in addition to lending.

About Philippines

  • $1175
    Average annual income
  • 227
    View loans »
    Philippines Loans Fundraising
  • $52,051,625
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD