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Emma J. a 52-year-old mother of four children and is married to a fisherman. Her two eldest daughters are employed as seamstresses while her sons help their father in fishing; the youngest is also studying.

She is a very good and active member of Ahon sa Hirap, Inc. (ASHI)--a partner Microfinance Institution of Kiva in the Philippines. She invested her previous loans in improving their fishing business, and the family benefited from the increase profit.

She is applying for a new loan of 40,000 Philippine pesos to finance their business. Her husband wants to buy new sets of fishing nets, sets of “bobo” - a local fishing gear made of bamboo and netting to trap shrimp, and to repair their wooden bancas/boats.

It will be of great help if she can purchase all this in time for the rainy season because fish are abundant in the Laguna Lake. This additional gear will again increases their profit and she can save for the future of her youngest who is still studying. She wants to send him to college so he can pursue a career. She also wants to buy additional appliances in the near future.

She is optimistic that her dreams can soon be achieved, and she is proud for being a member of ASHI and Kiva, because she has had help in improving her family's living conditions through their financial assistance.

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
  • 363
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Emma buying fishing gear; repairing fishing boats.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 31, 2010
Sep 24, 2010
Currency Exchange Loss:
Apr 1, 2011