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Josephine is 44 years old and a resident of Barangay Minallo, Naguillan, Isabela. She is married to Ferdinand P. and blessed with five children. Her two youngest children are still studying in high school and elementary school. She hopes that someday she will be able to send them to college to earn degrees for their future.

Josephine sells AVON and Cooler Life products in her village. She is requesting her second loan for PHP 18,000 to use as additional working capital. She earns her income through commission. She wants to improve her current 25% commission to 30% by purchasing more products from the companies. She hopes to use the extra income to pay for her children to acquire a higher level of education.

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
  • 486
    View loans »
    Philippines Loans Fundraising
  • $69,802,850
    Funds lent in using Kiva
  • 48.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Josephine to increase her inventory.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 24, 2009
May 19, 2009
Currency Exchange Loss:
Nov 15, 2009