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Sheila Joy
Sheila Joy is 38 years old. She married to Hector who is a police officer. They have two school-age children.

Sheila Joy has beauty parlor that she has been operating for five and a half years. She says that she started this small business because she wanted to find a way to help her husband with the household expenditures and to improve their poor economic situation in order to enjoy a good quality of life.

To help out more, she is requesting a loan of PHP 30,000 to buy new scissors, a blower, hair color and pay for the labor cost of her one companion in beautifying customers. She hopes to earn higher income this time in order to hire more-and help-other people who have the talent.

Additional Information

About Alalay sa Kaunlaran, Inc.

This loan is made possible by Alalay sa Kaunlaran, Inc. (ASKI), which means “a partner in development.” ASKI has been in operation for 25 years and runs multiple successful initiatives in addition to microlending. Its main microfinance branch focuses on lending to microentrepreneurs, small farmers, and fisher folk. ASKI also provides microinsurance and marketing support for borrowers, as well as educational programs to develop the skills of both borrowers and staff. The ASKI Foundation funds community development projects such as a daycare feeding program and scholarships for children. ASKI Global helps overseas Filipinos develop entrepreneurial and financial skills to maximize the impact of remittances.

ASKI’s motto is “Together, let’s make things happen!” Join ASKI's Kiva Lending Team or view its website.

About Philippines

  • $7,000
    Average annual income
  • 1104
    View loans »
    Philippines Loans Fundraising
  • $63,443,275
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Sheila Joy to buy new scissors, a blower, hair color, to and pay for labor costs.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 18, 2012
Oct 14, 2012
Currency Exchange Loss:
May 24, 2013