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Josephine D. T. makes a living mainly from providing earrings and an ear piercing service in her community. She is 43 years old, married and has five adult children. They are from the village of Purok 24, Tag-ibo, Dalipuga, Iligan City. Josephine has been in this business for over 18 years and earns approximately 3,200 PHP a month.

In June 2009, Josephine joined HSPFI to gain access to financial services to help improve her living conditions and enable her to engage in business activities. Josephine is requesting a loan of 5,000 PHP which will be used to purchase materials needed to expand the services provided. This will be her first loan from HSPFI. She plans to use the additional revenue to supplement the income of her family and support the education of her children.

About HSPFI:
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.

Additional Information

About Hagdan Sa Pag-uswag Foundation, Inc.

Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI) is a non-governmental development organization founded in 1987 to promote Christian values through microfinance services in the Philippines. It partners with Opportunity International and the Mindanao Microfinance Council among others, and offers a range of business and community development services, including savings and insurance programs in addition to lending.

About Philippines

  • $7,000
    Average annual income
  • 359
    View loans »
    Philippines Loans Fundraising
  • $66,135,700
    Funds lent in using Kiva
  • 48.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $125 helped Josephine to purchase materials needed to expand ear piercing service.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jun 18, 2009
Jul 14, 2009
Currency Exchange Loss:
Nov 15, 2009