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Jema operates a fruit and vegetable vending business in their rural village of South Caronsi, Peñablanca, Cagayan. She roams around their village to sell her merchandise. From the business, Jema is able to generate an income of PHP1, 000 a week which is very beneficial in providing the daily needs of her family and give the educational needs of her children. For the continuous improvement of her enterprise, she would like to borrow a loan of PHP12,000 from the KIVA lenders. She is hoping that her loan will be granted for it will really help to achieve her goals.

Jema is 22 years old and she is already married to Jessie who assisted her in planting different kinds of vegetables in their farm that she sells after harvest. Her husband sometimes works as a carpenter in their village to earn additional income. The couple is blessed with two children: James - 5 years old and Jessie Jr. is one year old. Jema is willing to extend help to others because she always believes that “it is better to give than to receive”.

Additional Information

About Alalay sa Kaunlaran, Inc.

This loan is made possible by Alalay sa Kaunlaran, Inc. (ASKI), which means “a partner in development.” ASKI has been in operation for 25 years and runs multiple successful initiatives in addition to microlending. Its main microfinance branch focuses on lending to microentrepreneurs, small farmers, and fisher folk. ASKI also provides microinsurance and marketing support for borrowers, as well as educational programs to develop the skills of both borrowers and staff. The ASKI Foundation funds community development projects such as a daycare feeding program and scholarships for children. ASKI Global helps overseas Filipinos develop entrepreneurial and financial skills to maximize the impact of remittances.

ASKI’s motto is “Together, let’s make things happen!” Join ASKI's Kiva Lending Team or view its website.

About Philippines

  • $7,000
    Average annual income
  • 379
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 48.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Jema additional Capital.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 14, 2009
Sep 10, 2009
Currency Exchange Loss:
Feb 15, 2010