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Bernadette is 44 years-old and married with three children, she lives with her family in the province of Rizal in the Philippines. Her husband Geronimo operates their tricycle business (motorcycle with a sidecar). To supply additional income for her family, Bernadette is expanding the family business of Avon dealership which has been in operation for almost ten years.

Bernadette would like to receive a loan of 40,000 PHP to purchase an inventory of Avon products including lotions, lipsticks, bras, underwear, perfumes, cologne and other supplies. As a dedicated member of Ahon Sa Hirap, Inc. (ASHI), a Kiva microfinance partner in the Philippines, since 1999, Bernadette is thankful for access to capital and loans to support her entrepreneurial dreams. Bernadette also has been a model member in the branch of Rizal Central Branch demonstrating regular attendance at weekly meetings and steady repayments on previous loans.

With the support of ASHI and Kiva, she is hopeful that her expanded business will generate steady income to improve her financial stability and her family’s quality of life to bring them far away from the cycle of poverty. Bernadette hopes to diversify her revenue in the long term by supporting the maintenance of her secondary business endeavors including her husband’s tricycle business.

Bernadette’s dreams are for her two youngest children to complete college. Additionally, she hopes to continue business as a sustainable livelihood to support her 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
  • 510
    View loans »
    Philippines Loans Fundraising
  • $69,838,675
    Funds lent in using Kiva
  • 44.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $900 helped Bernadette to purchase an inventory of Avon products including lotions, lipsticks, bras, underwear, perfumes, cologne, etc.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 8, 2010
Apr 12, 2010
Currency Exchange Loss:
May 11, 2011