A loan of $250 helped to purchase new items to expand her product offering.


Norma's story

Norma C. is from the village of Macapari, Damulog, Bukidnon. She is 38 years old. Norma is married and has three school-aged children. To make a living, Norma runs a sari-sari (variety) retail shop. The main source of income for the business comes from selling a variety of different products in the local community. Norma has been engaged in her business for over six years and earns approximately 8,000 Philippine pesos a month for these activities.

In 2009, Norma joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Norma has successfully repaid a previous loan of 8,000 PHP from HSPFI, a Kiva partner. This previous loan was used to purchase additional products to sell.

Norma is requesting a new loan of 11,000 PHP, which will be used to purchase new items to expand her product offering. This will be the third loan taken out by Norma from HSPFI. She plans to use the additional revenue generated from the business to supplement the income of her family.

About HSPFI:

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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