A loan of $225 helped to purchase additional inventory and as working capital.

Vicky's story

Vicky A. is from the village of Pigsag-an, Cagayan de Oro City. She is 36 years old, and is married with six school-aged children. To make a living, Vicky owns and operates a clothing business. The main source of income for the business comes from peddling new clothes to local community members. Vicky has been engaged in her business for over seven years and earns approximately 4,000 PHP a month from these activities.

In 2008, Vicky joined Kiva partner, HSPFI, to gain access to financial services to help improve her living situation and ability to engage in business activities. Vicky has successfully repaid a previous loan of 7,000 PHP from HSPFI. She is requesting a new loan of 10,000 PHP, which will be used to purchase additional inventory and as 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.

Loan details

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Loan details