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Erna, 32, lives in the Philippines and is married with three children. She has a bakeshop that sells breads, cakes and pastries. Erna has had this business for eight years. She has requested a loan of 10,000 Philippine Pesos (PHP) to buy ingredients needed for the bakeshop.

Erna has been a member of HSPFI since 2011. In the future, she hopes to improve her business.

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
  • 1940
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Erna to buy ingredients needed for the bakeshop.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 25, 2011
Nov 15, 2011
Currency Exchange Loss:
Aug 17, 2012