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Ma. Luz
Ma. Luz R. wishes to have good health conditions to be able to serve her husband, her four children, aged from 6 to 19 years old, and her business customers.

Ma. Luz makes and sells nipa (palm tree leaf) shingles (one of the most common roofing materials used by people in the Province of Antique). She also has a manicure and pedicure business.

Her husband is a farmer and they both aim to send all of their children to college to experience a different kind of life – a life not being poor. Ma. Luz uses the proceeds from her businesses to augment her husband’s income and to support the needs of their children until they have reached their dreams.

With the loan she requests now, she hopes to grow her business and her profits. Without the loan, her dreams would be nothing and her children would still have the same kind of life in the future since Ma. Luz finds that ASHI is the only MFI that lends money with the interest she is capable of paying.

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
  • 412
    View loans »
    Philippines Loans Fundraising
  • $65,913,675
    Funds lent in using Kiva
  • 47.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Ma. Luz most will be used to buy and sell nipa shingles; some will be used to purchase materials for manicure and pedicure business.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 8, 2009
Nov 4, 2009
Currency Exchange Loss:
Nov 15, 2010