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Ireen Joy
Ireen Joy B. is from the village of Mibando, Quezon, Bukidnon. She is 27 years old and married with two school-aged children. Ireen Joy runs a sari-sari (variety) retail shop. The main source of income for the business comes from buying and selling daily-use products such as shampoo, soap, canned goods, snack foods, biscuits and beverages in the local community. Ireen Joy has been engaged in her business for over three years and earns approximately 6000 PHP a month.

In 2010, Ireen Joy joined HSPFI to gain access to financial services. Ireen Joy has successfully repaid a previous loan of 5000 PHP from HSPFI. This previous loan was used to purchase additional inventory and expand working capital. Ireen Joy is requesting a new loan of 8000 PHP which will be used to purchase additional products to sell like canned goods and snack foods. This will be her second loan from HSPFI.

About HSPFI:

HSPFI is an accredited partner of Opportunity International in the Philippines. It is based in Cagayan de Oro City and reaches 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.

Additional Information

About Hagdan Sa Pag-uswag Foundation, Inc.

Hagdan Sa Pag-uswag Foundation, Inc. (HSPFI) is a non-governmental development organization founded in 1987 to promote Christian values through microfinance services in the Philippines. It partners with Opportunity International and the Mindanao Microfinance Council among others, and offers a range of business and community development services, including savings and insurance programs in addition to lending.

About Philippines

  • $7,000
    Average annual income
  • 382
    View loans »
    Philippines Loans Fundraising
  • $69,631,075
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $200 helped Ireen Joy to purchase additional products to sell like canned goods and snack foods.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 7, 2011
Mar 11, 2011
Currency Exchange Loss:
Jan 15, 2012