A loan of $175 helped to purchase additional inventory and for working capital.


Gina's story

Gina C. is 31 years old, married and has two school-aged children. She is from the village of Ricoro, a part of Gingoog City, Misamis Oriental province on the Mindanao islands. Gina runs a sari-sari (variety) shop from which she sells daily use products such as canned goods, shampoo, soap, toothpaste and biscuits to the local community. Gina has been in business for over ten years and earns approximately 5000 PHP a month.

In 2010, Gina joined HSPFI to gain access to its financial services. Gina successfully repaid a previous loan of 5000 PHP from HSPFI that was used to purchase additional products to sell. Gina is requesting a new loan, her second from HSPFI, of 7000 PHP that will be used to purchase additional inventory and working capital. She plans to use the additional revenue generated from the business to improve her business.

About HSPFI:

Hagdan sa Pag-uswag Foundation, Inc., or HSPFI, is an accredited partner 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 one-on-one translations of entrepreneur profiles are costly, Kiva created this template for our Field Partner to allow it to continue to post loans in English while providing quality and accurate information to Kiva lenders.



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