A loan of $875 helped to purchase farm inputs such as fertlizers and seedlings, and to pay for a hired laborer.


Flor's story

Fifty-two-year-old Flor V. has been a member of ASHI, (the first KIVA field partner in the Philippines) since 1999. Her determination to ensure that her three children graduate from college and to improve the family's lifestyle has inspired her to have faith and work hard. Throughout her membership in ASHI, she has maintained an excellent performance in terms of her loan repayments, attendance at weekly center meetings and rice production in her farming business, thereby ensuring that the entire amount she requests from ASHI is granted to her. With the support of her loving husband, Gerardo, who is a farmer, Flor has been able to earn additional proceeds with which to finance the education of her children. Thus far, her two eldest children have graduated, while Flor continues to sustain the education of her youngest in college.



Although Flor has only one child left in college, she still has the responsibility of supporting the whole family because her two graduated children are not yet employed and so are without their own sources of income. As well, her husband had a stroke recently, leaving half of his body paralyzed and his productivity severely limited. Despite concern for her husband and her entire family, Flor took the opportunity to discover her own productive capabilities for their survival. She is requesting a much larger loan than usual through ASHI to support the increasing financial demands of her rice production since she must now hire a farm laborer to perform the tasks formerly done by her husband.



After harvest, Flor will have to wholesale their rice to have something to re-invest for the next cropping (planting) season, which is twice a year, and for the tuition fees of her child in college. She also has to support the medicines needed by her husband to ensure that he recovers and then maintains his health.



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