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Josephine I. is happily married to Joseph Isarel. They were blessed with four children: Shiela, Crezyl, Gheavelle, and Jonavilee. Shiela is the eldest and is already a teacher, while Gheavelle, the youngest, is in elementary grade. Crezyl is in college and Jonavilee is in high school. For Josephine, having a child who has graduated from college is a source of pride and the best prize a mother could ever have from her hard work. Josephine is 43 years of age yet strong and determined to keep on with the business she started in order to provide for her three children who are still studying. Her husband is supporting her decisions.

Since she was young, Josephine has been involved in the farming business. Her parents’ source of income was planting rice. When Josephine joined ASHI, this was the kind of business she started with and maintained until now. Since Josephine's husband knows not only how to farm and plant rice but also how to drive a motorcycle, Josephine thought of taking out a loan from ASHI to buy a tricycle (motorcycle with sidecar attached to it) for a service transport business and vehicle-for-hire business as their alternative source of income whenever it is not yet time to harvest and sell rice.

The tricycle is the main means of transportation in the village where Josephine and her family live. People coming in and out of the village and all over the municipality take a tricycle. Therefore, with a tricycle business, Josephine's husband will be able to earn income on daily basis, and Josephine will no longer need to worry about where to get money to buy food for her family or money for the educational needs of her children. The tricycle could also be very important for her in marketing her products, since it would bridge the gap between Josephine's location and the distant main municipality where her market is.

Additional Information

About ASHI

Ahon Sa Hirap, Inc. has the distinction of being the oldest existing replication of Grameen methodology for delivering credit to the poor in the Philippines. With more than a third of the nation’s 90 million Filipinos living below the poverty line, ASHI was established with the vision of helping to alleviate poverty in the Philippines. Translated from Tagalog, Ahon Sa Hirap means “to rise above poverty.”

Empowering women dedicated to supporting their families through hard work and dedication, ASHI lends 100% to women and specifically the bottom 50%, so the “poorest of the poor.” In addition to general business loans, ASHI also offers educational loans, house repair loans, savings funds, and social development programs for its members. ASHI is committed to translating its social mission into practice.

About Philippines

  • $7,000
    Average annual income
  • 347
    View loans »
    Philippines Loans Fundraising
  • $65,920,300
    Funds lent in using Kiva
  • 48.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Josephine to buy a motorcycle and sidecar and pay related fees.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jun 25, 2009
Jul 7, 2009
Currency Exchange Loss:
Jun 30, 2011