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Industrious, disciplined and hardworking are qualities that best describe Jocelyn B., a 42 year old. She is married to Rolando, a fisherman, and they were blessed with three children whose ages are 17, 9 and 8, a high school student and two elementary students.

It was the year 2004 when she became a member of Ahon sa Hirap, Inc. a partner micro-finance institution of KIVA in the Philippines. She is one of the good performing members of ASHI. Though she is active, she only borrows capital that she thinks she can regularly repay. The family income is only enough for their daily needs and school expenses for their children.

After seven long years she has gained confidence and is now applying for a loan of 17,000 PHP to buy additional fishing gear, nets and a canoe or wooden boat for her husband to use. She will also buy additional piglets for her hog raising business. Fishing and hog raising have been their primary sources of income for the past seven years, and they have really benefited from it. Their future plan is to develop these businesses more and make them stable so as to be able to sustain the education of their children. They also plan to renovate their current house and buy additional appliances.

Jocelyn is so glad that she became a member of ASHI and KIVA because their life has improved since then and their dream is now at hand. She hopes and prays that the two institutions will continue to support her goals for herself and her family.

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
  • 378
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 44.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Jocelyn to buy piglets, fishing gears, nets and a canoe/wooden boat.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 6, 2010
Sep 14, 2010
Currency Exchange Loss:
Apr 1, 2011