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Juliena
Juliena C. is from the village of Magsaysay, Gingoog City. She is 32 years old, is married, and has three school-aged children.

Juliena owns and operates a specialized retail store, selling seafood products including fish and shrimp in the local community. She has been engaged in her business for over two years and earns approximately 10,000 PHP a month.

In 2009, Juliena joined HSPFI to gain access to financial services to help improve her living situation and her ability to engage in business activities. She has successfully repaid a previous loan of 8,000 PHP from HSPFI. This previous loan was used to to purchase additional products to sell.

Juliena is requesting a new loan of 12,000 PHP which will be used to invest in expanding her business. This loan will be her 3rd from HSPFI. She plans to use the additional revenue generated from the business to improve and expand her business.


About HSPFI:
HSPFI is one of the accredited partners of Opportunity International in the Philippines. It is based in Cagayan de Oro City and is reaching out to the poor households of Northern Mindanao.


*Note: 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

  • $7,000
    Average annual income
  • 1233
    View loans »
    Philippines Loans Fundraising
  • $57,817,975
    Funds lent in using Kiva
  • 45.8
    Philippines Pesos (PHP) = $1 USD