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50-year-old Norma C. and her husband Clemente’s 11 children have their own family now. However, being a mother who sees the poor situation of her children and grandchildren, she is motivated to be as productive as she can to augment the lives of her loved ones. Clemente is a farmer who plants rice and vegetables on a small parcel of land they own. Norma is a support that strengthens her husband’s livelihood, being the one who sells their products, and a help with their financial needs. Norma also has her own business venture with the support of her husband. Through the loans she received since she joined ASHI in 2007, she has been able to purchase coconut fruit from the landowners of a coconut land. She pays in advance and they are the ones to harvest the fruit when it is mature. With it, Norma and her husband have able to make “copra” which they sell in large volume to a middleman who transports and does wholesaling to a manufacturer of coconut oil in the neighboring province. As the amount of loans she requests and receives through ASHI increases, the coconut land she has able to invest on also expands, thus making the volume of her sales grow bigger and bigger.

Norma really enjoyed the business she does and her family enjoys the profit it makes. Because of this, the woman really wishes that her business would become sustainable and profitable in the future so she can employ her family members and improve their lives. With this vision, she and her husband agreed to request a much larger loan through ASHI. Since both are working so hard to grow their business and maintain a very good performance in ASHI in terms of payments and attendance at weekly center meetings, they believe that they are qualified to be trusted with the amount they are requesting.

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
  • 307
    View loans »
    Philippines Loans Fundraising
  • $70,667,050
    Funds lent in using Kiva
  • 46.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Norma to purchase a larger volume of coconut.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 23, 2010
Jul 18, 2010
Currency Exchange Loss:
Jul 25, 2011