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Sharon B., 24 years old, is from the village of Capayangan, Banisilan, South Cotabato. She is married and has 2 infant children. To make a living Sharon operates a sari-sari (variety) retail shop where she sells food and daily use products in the local community. Sharon has been doing so for over 3 years and earns approximately 3000 PHP a month.

Sharon joined HSPFI in 2010 to improve her living situation and ability to engage in business activities. She successfully repaid a previous loan of 5000 PHP from HSPFI which she used to purchase additional inventory. She is requesting her second loan, for 7000 PHP, which she will use to purchase additional products to sell. She plans to use the additional revenue to supplement her family’s income.


HSPFI is an accredited partner of Opportunity International in the Philippines. It is based in Cagayan de Oro City and reaches out to the poor households of Northern Mindanao.


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, Kiva created this template for our Field Partners to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

Additional Information

About Hagdan Sa Pag-uswag Foundation, Inc.

Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI) is a non-governmental development organization founded in 1987 to promote Christian values through microfinance services in the Philippines. It partners with Opportunity International and the Mindanao Microfinance Council among others, and offers a range of business and community development services, including savings and insurance programs in addition to lending.

About Philippines

  • $7,000
    Average annual income
  • 332
    View loans »
    Philippines Loans Fundraising
  • $70,740,900
    Funds lent in using Kiva
  • 45.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $175 helped Sharon to purchase additional products to sell.
100% repaid
Repayment Term
12 months (Additional Information)
Repayment Schedule
Apr 30, 2010
May 21, 2010
Currency Exchange Loss:
Mar 15, 2011