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Rowena D. S. is a 44-year-old woman who is determined to step out of poverty. She is married to Crisanto, who is 44 years old and her business partner. She is mother to four kids: one daughter and three sons. She lives in Jala-jala, Rizal province in the Philippines.

Aspiring to improve the well-being of her family, she joined ASHI (Ahon Sa Hirap, Inc.), an MFI and KIVA partner in the Philippines, in 2001. She has invested previous loans in fishing gear, which brought her good proceeds.

Now on her 5th loan, she seeks a loan of 30,000 pesos to pay for fish nets, to buy a boat and a second-hand engine for the boat.

With the access to capital provided by ASHI and KIVA, she is hopeful that she can step out of the spiral of poverty. She dreams of sending her children to college so they can find jobs for better living, and she also hopes to expand her business someday.

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
  • 330
    View loans »
    Philippines Loans Fundraising
  • $70,752,750
    Funds lent in using Kiva
  • 48.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Rowena to pay for fish nets, a boat, and a second-hand engine for the boat.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jul 15, 2009
Jul 28, 2009
Currency Exchange Loss:
Aug 15, 2010