A loan of $125 helped to purchase additional products like canned goods & snack foods.


Luzminda's story

Luzminda I. is from the village of Tagpako, Gingoog City. She is 54 years old. Luzminda is single and has two adult children. To make a living, Luzminda owns & operates a sari-sari (variety) retail shop. While not the only means for generating revenue, the main source of income for the business comes from buying and selling canned goods, snack foods, beverages, shampoo, soap & biscuits in the local community. Luzminda has been engaged in her business for over five years and earns approximately 5000 PHP a month for these activities. In 2011, Luzminda joined HSPFI to gain access to financial services to help improve her living situation and ability to engage in business activities. Luzminda is requesting a loan of 5000 PHP which will be used to purchase additional products like canned goods & snack foods. This will be the 1st loan taken out by Luzminda from HSPFI. She plans to use the additional revenue generated from the business to improve/expand her business. 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.



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Loan details