A loan of $225 helped to purchase additional products to sell.


Mary Ann's story

Mary Ann S. is from the village of Pinamulaan, Banisilan, South Cotabato. She is 35 years old and is married with 3 school-aged children. To make a living, Mary Ann owns and operates a sari-sari (variety) retail shop. While not the only means for generating revenue, the main source of her income comes primarily from selling both food and daily use products in the local community. Mary Ann has been engaged in her business for over 3 years and earns approximately 6,000 PHP a month for these activities.

In 2009, Mary Ann joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Mary Ann has successfully repaid a recent loan of 7,000 PHP from HSPFI, which was used to to purchase additional inventory and working capital. Mary Ann has now requested this, her third loan, for 10,000 PHP to purchase additional products to sell. She plans to use the additional revenue generated from the business to support education of her children.

About HSPFI:

HSPFI is one of 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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