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Gina O. is a hardworking mother, 39 years old, from Jala-jala in the lovely province of Rizal. She has been in her sari-sari business for more than four years. She is the mother of an only child, Jonabelle, 6 years old and a nursery school student. She is married to Vergilio, 54 years old, a driver.

The income of her husband is not enough to meet the needs of their family. There came an opportunity to join ASHI (Ahon sa Hirap, Inc.), an MFI and Kiva partner in the Philippines, in the year 2005. She was given hope and opportunity to have access to capital, so she started her sari-sari store (a small retail store for different goods). This simple business brings them good income. Currently on her fifth loan, she requests 15,000 Philippine pesos as additional capital to purchase more stock to meet the demands of her consumers.

Gina hopes that, with ASHI and Kiva lending a hand, she can fulfill her dreams in life: sending her only child to school until she finds a job and improving her business. She even plans to expand her sari-sari store into a grocery store (a big store supplying all the needs of her consumers). She also hopes for a comfortable house to live in and a happy family.

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
  • 384
    View loans »
    Philippines Loans Fundraising
  • $66,111,575
    Funds lent in using Kiva
  • 46.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Gina to purchase different goods for her sari-sari store.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Nov 18, 2009
Dec 7, 2009
Currency Exchange Loss:
Dec 8, 2011