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Fifty-two-year-old Flor V. has been a member of ASHI, (the first KIVA field partner in the Philippines) since 1999. Her determination to ensure that her three children graduate from college and to improve the family's lifestyle has inspired her to have faith and work hard. Throughout her membership in ASHI, she has maintained an excellent performance in terms of her loan repayments, attendance at weekly center meetings and rice production in her farming business, thereby ensuring that the entire amount she requests from ASHI is granted to her. With the support of her loving husband, Gerardo, who is a farmer, Flor has been able to earn additional proceeds with which to finance the education of her children. Thus far, her two eldest children have graduated, while Flor continues to sustain the education of her youngest in college.

Although Flor has only one child left in college, she still has the responsibility of supporting the whole family because her two graduated children are not yet employed and so are without their own sources of income. As well, her husband had a stroke recently, leaving half of his body paralyzed and his productivity severely limited. Despite concern for her husband and her entire family, Flor took the opportunity to discover her own productive capabilities for their survival. She is requesting a much larger loan than usual through ASHI to support the increasing financial demands of her rice production since she must now hire a farm laborer to perform the tasks formerly done by her husband.

After harvest, Flor will have to wholesale their rice to have something to re-invest for the next cropping (planting) season, which is twice a year, and for the tuition fees of her child in college. She also has to support the medicines needed by her husband to ensure that he recovers and then maintains his health.

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
  • 1681
    View loans »
    Philippines Loans Fundraising
  • $58,968,050
    Funds lent in using Kiva
  • 46.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $875 helped Flor to purchase farm inputs such as fertlizers and seedlings, and to pay for a hired laborer.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 28, 2010
Jul 19, 2010
Currency Exchange Loss:
Jul 25, 2011