A loan of $450 helped to purchase a larger volume of coconut.


Norma's story

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.



Loan details


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Loan details