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Joenabith C. is from the village of Maribucao, Gingoog City. She is 24 years old. Joenabith is single and has 1 infant-aged child. To make a living, Joenabith owns & operates a business venture in the retail sector running a sari-sari (variety) retail shop. While not the only means for generating revenue, the main source of income for the business comes primarily from buying and selling daily use products such as shampoo, soap, toothpaste, canned goods & junk foods in the local community. Joenabith has been engaged in her business for over 2 years and earns approximately 10000 PHP a month for these activities.

In 2009, Joenabith joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Joenabith has successfully repaid a previous loan of 11000 PHP from HSPFI. This previous loan was used to to purchase additional inventory & working capital. Joenabith is requesting a new loan of 14000 PHP which will be used to purchase additional products to sell like beverages & biscuits. This loan will be the 4th loan taken out by Joenabith from HSPFI. She plans to use the additional revenue generated from the business to improve/expand the business.

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
  • 730
    View loans »
    Philippines Loans Fundraising
  • $63,203,625
    Funds lent in using Kiva
  • 44.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Joenabith to purchase additional products to sell like beverages & biscuits.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Dec 17, 2010
Dec 18, 2010
Currency Exchange Loss:
Nov 15, 2011