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Jodina Z., from the village of Medina, Misamis Oriental, is 41 years old, married, and has one school-aged child. To make a living, Jodina owns and operates a sari-sari (variety) retail shop that sells both food and daily use products in the local community. Engaged in her business for over four years, she earns approximately 3,000 PHP a month.

In 2009, Jodina joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Having fully repaid a previous loan of 7,000 PHP from HSPFI that was used to purchase additional products to sell, she is now requesting a new loan, her third, of 9,000 PHP which will be used for the same purpose. Jodina plans to use the additional revenue generated from the business to supplement her family's income.

About HSPFI:

HSPFI is one of 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, we created this template for our field staff 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
  • 988
    View loans »
    Philippines Loans Fundraising
  • $63,411,650
    Funds lent in using Kiva
  • 44.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Jodina to purchase additional products to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Mar 31, 2010
Apr 26, 2010
Currency Exchange Loss:
Feb 15, 2011