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Josephine A. is a 57-year-old married mother of one child, Sharen. She and her husband work together in operating her food-vending business and sari-sari (variety) store. The couple has been engaged in these businesses for more than ten years now. Her husband also works as a tricycle (motorcycle with sidecar) driver to earn an extra income to support and sustain the needs of their family.

Josephine joined Kiva partner, ASHI, in 1997, with the aim of getting out of the spiral of poverty and consistently acquiring working capital for her business. She will use this new loan of 45,000 PHP to buy additional inventory for her sari-sari (variety) store and supplies for her food-vending venture. Josephine is grateful to ASHI for their good hearts towards the poor, like her family, and for helping her reach her dreams. That is why the couple has grown to love the institution very much and all lenders who are sponsoring this loan.

Josephine hopes that one day she will be able to have her own produce stall in the market for her food-vending business instead of just in her house. She also hopes to make enough money to pay for her family's needs, and dreams of the best of life for 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
  • 382
    View loans »
    Philippines Loans Fundraising
  • $70,798,900
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,025 helped Josephine to buy additional inventory for sari-sari store and supplies for her food-vending ventures.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Apr 28, 2010
May 2, 2010
Currency Exchange Loss:
Jun 7, 2011