A loan of $250 helped to purchase raw ingredients like flour, eggs and milk.


Arlene's story

Arlene B. is from the village of Agay-ayan, Gingoog City. She is 33 years old. Arlene is widowed and has two school-aged children. To make a living, Arlene makes and sells snacks and other delicacies such as rice and cassava cakes in the local community. Arlene has been engaged in her business for over three years and earns approximately 5,000 PHP a month. In 2010, Arlene joined HSPFI to gain access to financial services to help improve her business and living situation. Arlene has successfully repaid a previous loan of 7,000 PHP from HSPFI. This previous loan was used to to purchase additional ingredients and for working capital. Arlene is requesting a new loan of 10,000 PHP, which will be used to purchase raw ingredients like flour, eggs and milk. This will be the fourth loan taken out by Arlene from HSPFI. She plans to use the additional revenue generated from the loan to improve and 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 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


Lenders and lending teams



Loan details