A loan of $250 helped to invest in expanding the business.


Emma's story

Emma T. is from the village of Omonay, Damulog Bukidnon. She is 48 years old. Emma is married and has three adult-aged children. To make a living, Emma owns and operates a business venture in the agriculture sector raising crops. While not the only means for generating revenue, the main source of income for the business comes primarily from planting and harvesting corn for sale. Emma has been engaged in her business for over 12 years and earns approximately 8,000 PHP a month from these activities.

In 2009, Emma joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Emma has successfully repaid a previous loan of 8,000 PHP from HSPFI. This previous loan was used to purchase pesticides and fertilizers. Emma is requesting a new loan of 11,000 PHP, which will be used to pay services extended by laborers plowing her corn field. This loan will be the third loan taken out by Emma from HSPFI. She plans to use the additional revenue generated from the business to supplement her family's income.

About HSPFI:

HSPFI is an accredited partner 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.



Loan details


Lenders and lending teams



Loan details