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56-year-old Lerma G. is a very simple and well-mannered woman. She dreams of having a life that is plain and peaceful along with her very loving and supportive husband and children.

Without much in the way of educational achievements and exposure to other people, Lerma was shy and reserved. However, to raise her children well and have them attain a college degree, she tried to overcome her inferiority complex. Her husband supports all her endeavors to develop her self-confidence.

Aside from dreaming of having her own business to augment the income of her husband as a technician in the Department of Agriculture, Lerma also dreams of seeing herself making friends with other women in their village and wishes to become an inspiration to her fellow poor mothers.

In 1998, Lerma joined ASHI and received a loan. It was the first time she joined an institution and she felt excited receiving the loan she requested. With that loan, and succeeding loans she received, the hog-fattening and hog-breeding business she put up with the support of her husband has grown bigger.

They became known to people in town and from other towns because of the good quality of the piglets they breed for selling. They also have a boar-for-hire business which is managed by Lerma’s husband and her youngest son. With that business, Lerma has been able to have a cash flow for the education of her children.

Lerma was inspired to work really hard because she saw a lot of potential in her children and they were very determined to have a college degree. Now all of them have their own families to support, yet Lerma is very happy because they have all graduated from college. At least now, she can focus to making her business stable and put up a savings fund for her and her husband’s old age. She doesn’t want to bother her children anymore about their financial needs because she understands that they have their own lives to take care of.

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
  • 451
    View loans »
    Philippines Loans Fundraising
  • $69,660,550
    Funds lent in using Kiva
  • 46.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,050 helped Lerma to purchase high-breed piglets for her hog breeding and fattening business.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Jun 2, 2010
Jun 9, 2010
Currency Exchange Loss:
Jun 15, 2012