A loan of $125 helped to purchase additional products to sell.


Julia's story

Julia E. is from the village of Banlag, Valencia City. She is 25 years old. Julia is married and has three school-aged children. To make a living, Julia runs a sari-sari (variety) retail shop. The main source of income for her business comes from selling both food and daily-use products in the local community. Julia has been engaged in her business for over four years and earns approximately 3000 Philippine pesos a month for these activities. In 2009, Julia joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Julia is requesting a new loan of 5,000 PHP, which will be used to purchase additional products to sell. This will be the first loan taken out by Julia from HSPFI. She plans to use the additional revenue generated from the business to improve/expand her business. 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


Lenders and lending teams



Loan details