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Bibiana is an optimist who believes that patience is bitter but its fruits are sweet. She is 42, married, and blessed with four children. With God's guidance and her hard work and patience, she has been able to send them all to school. Bibiana works hard to help her husband maintain their farm. The couple owns a two hectare field that they have been cultivating for 20 years, planting and harvesting rice to sell to traders in the village. Last harvest season, Bibiana earned about 50,000 PHP. Her profits were just enough to cover tuition fees and allowances for her children along with providing for daily groceries and utilities.

Bibiana is requesting a 50,000 PHP loan to buy seeds and fertilizer and to pay for land cultivation. She needs to prepare her farmland thoroughly to gain more profit from the next harvest season. Bibiana hopes someday to provide a better life for her family by producing abundant harvests.

Additional Information

About Alalay sa Kaunlaran, Inc.

This loan is made possible by Alalay sa Kaunlaran, Inc. (ASKI), which means “a partner in development.” ASKI has been in operation for 25 years and runs multiple successful initiatives in addition to microlending. Its main microfinance branch focuses on lending to microentrepreneurs, small farmers, and fisher folk. ASKI also provides microinsurance and marketing support for borrowers, as well as educational programs to develop the skills of both borrowers and staff. The ASKI Foundation funds community development projects such as a daycare feeding program and scholarships for children. ASKI Global helps overseas Filipinos develop entrepreneurial and financial skills to maximize the impact of remittances.

ASKI’s motto is “Together, let’s make things happen!” Join ASKI's Kiva Lending Team or view its website.

About Philippines

  • $7,000
    Average annual income
  • 425
    View loans »
    Philippines Loans Fundraising
  • $69,767,475
    Funds lent in using Kiva
  • 42.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,200 helped Bibiana to buy seeds and fertilizer and cultivate her land.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
At end of term
Aug 5, 2011
Sep 6, 2011
Currency Exchange Loss:
Jan 15, 2012