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Perpetua E. joined ASHI (Ahon SA Hirap Inc.), a Kiva partner in the Philippines, in 2005. Since then, she has grown to love the organization. ASHI helped her in the start-up of a business, supporting her husband with their daily expenditures. She and her husband have been direct selling Avon products for more than five years and also embarked in buying and selling dried fish in the local community.

She now proposes that her eighth loan, amounting to 45,000.00 Philippine pesos, be used to continue her businesses with the support of her husband. She will purchase inventory of supplies like cologne, body lotion, lipstick, sandals, shoes, perfumes, jackets and other stock. The remaining loan funds will be used for her dried-fish business for additional income.

Expanding Perpetua’s business will be the source of income to finance the needs of her family and to have a comfortable house to live in. She also hopes to expand her business and if possible, have a branch in other provinces, particularly in her hometown in order to provide employment to her relatives.

She is very thankful to all members of ASHI for educating her, especially in dealing with other people and the ability to accept new challenges in her life and in achieving her dreams to improve their way of life. Perpetua is also grateful to the ASHI-Kiva partnership for supporting people like her who want to move away from poverty and get ahead. She hopes that they continue this way for a long time and help many poor families.

The couple has a strong belief not to be affected by poverty; instead they are inspired to work hard for their five children.

About ASHI

As a micro-finance institution that uses the Grameen methodology, Ahon sa Hirap (ASHI), being the first practitioner in the field, saw how poor women and mothers work hard to earn money for the cash flow of their families and to provide their children with a better life.

The micro-credit ASHI is extending to these women is delivered directly to their villages and on the doorstep of their houses. When the loan is handed over to them, it is giving them hope that someday they will rise above poverty. (“Rise above poverty” is a direct English translation of “Ahon sa Hirap.”)

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
  • 370
    View loans »
    Philippines Loans Fundraising
  • $65,916,575
    Funds lent in using Kiva
  • 45.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Perpetua to purchase inventory of cologne, body lotion, lipstick, sandals, shoes, perfumes, jackets, etc., and to support her dried fish business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 11, 2010
Mar 19, 2010
Currency Exchange Loss:
Oct 15, 2010