A loan of $400 helped to invest in expanding the business.

Gloria's story

Gloria C. is from the village of Tambagan, Medina, Misamis Oriental. She is 47 years old, married, and has two school-aged children. To make a living, Gloria owns and operates a business venture in the agriculture sector buying and selling crops. The main source of income for the business comes from buying agricultural crops such as copra, banana, cassava and sweet potato in the neighboring villages and selling them in the city. Gloria has been engaged in her business for over 15 years and earns approximately 10,000 PHP per month from these activities.

In 2008, Gloria joined Kiva partner, HSPFI, to gain access to financial services to help improve her living situation and ability to engage in business activities. She has successfully repaid a previous loan of 15,000 PHP from HSPFI. This loan was used to purchase fertilizers such as manure. Gloria is requesting a new loan of 17,000 PHP, which will be used to invest in expanding the business. This loan will be her sixth from HSPFI. She plans to use the additional revenue generated from the business to supplement her family's income.


HSPFI is one of the accredited partners of Opportunity International in the Philippines. It is based in Cagayan de Oro City and is reaching out to the poor households of Northern Mindanao.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, we created this template for our field staff to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

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