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Bernardo believes that success relies on hard work and determination. This guiding principle of Bernardo pushes him to strive hard. He is married and has six children. Five of his children currently go to school while one is working. His wife is a vendor of native cakes and home-made vinegars within their community.

Bernardo's main goal is to increase the income he generates from his farming business so he can educate all his five children and give his family a comfortable lifestyle.

With his strong determination to get ahead in life and make his farming business more productive, he requests a loan of 20,000 Philippine Pesos (PHP), which will allow him to buy farm inputs such as fertilizer and insecticides to ensure proper growth of his crops. He knows that through application of these farm inputs to his rice field there is an assurance that he can obtain better yields and earn better income. He hopes that his requested loan will be granted to make all his goals possible.

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
  • 711
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Bernardo to buy farm inputs such as fertilizer and insecticides.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
At end of term
Jan 16, 2013
Jan 30, 2013
Currency Exchange Loss:
Apr 29, 2013