A loan of $900 helped to purchase an inventory of Avon products including lotions, lipsticks, bras, underwear, perfumes, cologne, etc.


Bernadette's story

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.



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