A loan of $125 helped to purchase additional products to sell.

Fema Grace's story

Fema Grace A. is from the village of Agay-ayan, Gingoog City. She is 37 years old, married and has three school-aged children. To make a living, Fema Grace owns and operates a specialized retail store selling used-clothing or ready-to-wear clothes in the local community. Fema Grace has been engaged in her business for over three years and earns approximately 8,000 PHP per month from these activities.

In 2010, Fema Grace joined Kiva partner, HSPFI, to gain access to financial services to help improve her living situation and ability to engage in business activities. Fema Grace is requesting a new loan of 5,000 PHP, which will be used to purchase additional products to sell. This loan will be her first from HSPFI. She plans to use the additional revenue generated from the business to improve and expand her business.


HSPFI is one of the accredited partners of Opportunity International in the Philippines. It is based in Cagayan de Oro City and is reaching out to the poor households of Northern Mindanao.

*Note: To maximize efficiency and reduce costs, this loan was posted using a template to automate the translation by Kiva. Given that manual translation of entrepreneur profiles is costly, we created this template for our field staff to allow them to continue to post loans in English while providing quality and accurate information to Kiva lenders.

Loan details

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Loan details