A loan of $125 helped to purchase materials needed to expand ear piercing service.


Josephine's story

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.



Loan details

Loan length:

6 months
Disbursed date: June 18, 2009
Facilitated by Field Partner: Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI)

Lenders and lending teams



Loan details

Loan length:

6 months
Disbursed date: June 18, 2009
Facilitated by Field Partner: Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI)