A loan of $250 helped to use as additional working capital.

Vivian's story

Vivian H. is from the village of Pigsag-an, Cagayan de Oro City. She is 43 years old, and married with six school-aged children. To make a living, Vivian owns and operates a business venture in the agriculture sector planting and selling bananas, corn and vegetables. She also sells copra product from her coconut farm. While not the only means for generating revenue, the main source of income for the business comes from selling agricultural crops such as copra, bananas, corn and vegetables to her local community. Vivian has been engaged in her business for over six years and earns approximately 8,000 PHP a month from these activities.

In 2008, Vivian joined Kiva partner, HSPFI, to gain access to financial services to help improve her living situation and ability to engage in business activities. Vivian has successfully repaid a previous loan of 8,000 PHP from HSPFI. This loan was used to to purchase farm pesticides. Vivian is now requesting a new loan of 11,000 PHP, which will be used as additional working capital. This loan will be her third from HSPFI. She plans to use the additional revenue generated from the business to support her children's education.


HSPFI is one of the accredited partners of Opportunity International in the Philippines. It is based in Cagayan de Oro City and is reaching out to the poor households of Northern Mindanao.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, we created this template for our field staff to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

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