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Flora Bernadette
Flora Bernadette lives at Tuguegarao. She is 33 years old, married, and has two children. She manages a beauty salon for income. Her spouse also helps her manage the business. They offer hair colorings, dyes and facial treatments. Flora had been in the business for over three years now. From the business, she is able to gain approximately P20,000 each month. She uses it for meals, school fees for her children and as revolving capital in the business in order to keep offering good services.

She aims to keep extending friendly services and increase her income. That is why she is asking for a loan of P30,000 to buy medicines for hair treatments, curlers, colors and dyes to use in her salon. It will help satisfy customers with the good services they offer.

In the future, Flora Bernadette hopes to keep improving her business and become successful and financially stable.

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
  • 402
    View loans »
    Philippines Loans Fundraising
  • $70,824,450
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Flora Bernadette to buy medicines for hair treatments, curlers, colors and dyes to use in her salon.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 7, 2013
Feb 8, 2013
Currency Exchange Loss:
Aug 23, 2013