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Judilyn G. is from the village of West Kibawe in the Kibawe Municipality of Bukidnon Province. Judilyn is 29 years old. She is married and has two young children. To make a living, Judilyn owns and operates a sari-sari (variety) retail shop. The main source of income for the business comes from buying and selling canned goods, beverages, powdered juice drinks, shampoo, soap, and biscuits in the local community. Judilyn has been engaged in her business for over four years, and she earns approximately 10,000 PHP a month for these activities.

In 2009, Judilyn joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Judilyn has successfully repaid a previous loan of 17,000 PHP from HSPFI. This previous loan was used to purchase additional inventory and as working capital. Judilyn is requesting a new loan of 20,000 PHP, which will be used to purchase additional canned goods, beverages, and breads. This loan will be the sixth loan taken out by Judilyn from HSPFI. She plans to use the additional revenue generated from the business to improve/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, 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
  • 1899
    View loans »
    Philippines Loans Fundraising
  • $60,984,950
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Judilyn to purchase additional canned goods, beverages, and breads.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Apr 19, 2011
Apr 27, 2011
Currency Exchange Loss:
Feb 15, 2012