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Ma. Elena
Ma. Elena O. is a 41-year-old married woman from Antipolo, Rizal. She and her husband are blessed to have three children. She is a member of the Upper Buhanginan center in Ahon Sa Hirap, Inc. (ASHI) Rizal West Branch. She is a very strong-minded woman, and she remarks that she works hard to better her status in life.

Despite hardships brought about by poverty, Ma. Elena remains strong and dedicated in her pursuit to improve her family’s standard of living. The love and support of her husband makes her life quite significant. To make a living, she operates a sari-sari (variety) store. She has been engaged in this business for more than seven years.

She joined ASHI, a micro-finance institution and Kiva partner in the Philippines, in 2006. During the course of her membership, she has been an excellent performer with respect to her credit rating (basis of loans). She is now seeking her tenth loan, this time in the amount of 45,000 PHP to purchase additional inventory of groceries for her store. She is positive that, with access to additional working capital through ASHI and Kiva, her dreams of winning business and sending her children to a university so that they can complete their college degrees will be achieved. Her wish to give her children a good future is what drives her each day.

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
  • 313
    View loans »
    Philippines Loans Fundraising
  • $70,622,575
    Funds lent in using Kiva
  • 46.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $975 helped Ma. Elena to purchase additional inventory of groceries.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 11, 2010
Jun 1, 2010
Currency Exchange Loss:
Dec 15, 2010