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Emelyn Sta. M., 46 years of age, is married to a farmer, Vicente Sta. M.. They were blessed with two sons and one daughter. Emelyn joined Ahon sa Hirap, Inc. (ASHI), Rizal Central Branch, a partner Microfinance Institution of KIVA, in the year 1998. She decided to S. with the lending institution because she had found fulfillment being a member. She is proud because ASHI is part of the achievements of her eldest son and daughter who are now degree holders. Their eldest works now as a seaman, and her daughter just graduated with a Bachelor of Science in Mathematics. Her youngest son is still in college. Their primary source of income is farming and secondary is the tricycle which her husband drive for passenger purposes.

Again she is applying for a loan to buy cattle for her husband to use in tilling their farm land. With the help of these cattle, expenses on rentals for tractors/machinery to plow their land will be reduced. The couple projects to increase their profit and wants to develop their farming method. Their future plan is to increase rice production and buy additional livestock, not just for the future of their family, but they want to provide employment to their community too and help other families as well. They are hoping that ASHI and KIVA will continue their partnership in helping them meet their goals in life and also providing capital and encouraging poor but enterprising families to rise from poverty.

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
  • 336
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 45.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,000 helped Emelyn cattles to use in cultivating their farmland.
100% repaid
Repayment Term
25 months (Additional Information)
Repayment Schedule
Aug 17, 2010
Sep 2, 2010
Currency Exchange Loss:
Aug 15, 2012