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Jema lives in Binguang with her husband and their five children. In order to help her husband with the household expenses, she started selling earrings and necklaces as a traveling saleswoman. She's 27 years old, and has been a seller for seven years.

She gets her supplies in Tuguegarao province of Cagayan. Thanks to the quality of her products, she has several customers in her village, whom she cannot satisfy anymore. She's therefore seeking a first loan from Kiva's parter, WAGES, in order to resupply.

Her future prospects include expanding her business and ensuring her children's future.

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
  • 1499
    View loans »
    Philippines Loans Fundraising
  • $59,173,600
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Jema to buy earrings, necklaces, bracelets and watches for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Feb 26, 2013
Mar 11, 2013
Currency Exchange Loss:
Sep 19, 2013