Microfinance Clients Have Something to Say


IMG_4456Crecencia Rimando, Fairview, Baguio City

I am a happy and contented member of the JVOFI Microfinance. I have been a member since 2005 and I won’t stay if it’s not good and if the services don’t meet my needs.

I use my loans as capital for my sari-sari store in Fairview, Baguio City and it has helped me and my family in our education, household expenses and others.



IMG_4457Bernadette Caracas, Sablan, Benguet

I am a sari-sari store owner and the JVOFI Microfinance has been the source of my continuous capital. 

My income from the store has provided the needs of my family. I haven’t encountered any issues on their policies and the payment terms are easy for us.


Sylvia Tudias, Irisan, Baguio City

I was a member before and then I left for some personal reasons, but then, I came back last 2010. I came back as a member of the JVOFI Microfinance because they have good policies and they have been a big help to me and my family for the past 3 years.

My loans are used as capital for my tailoring business which is based only at home. My income from it is used to pay my children’s education, household bills, and meals.

I am very satisfied with the services. I have already availed of the insurance benefits when my husband was hospitalized and it was a big big help to me and my family.


Patricia Piclit, Balatoc, Itogon, Benguet Womens

I am an ambulant vendor. I usually buy goods and resell it around our place. It’s the only thing I have been doing and it has helped me and my family go through hard times.

With the help of the Microfinance program of JVOFI, I was able to continue with this kind of business. I am very happy and contented with it because they release loans on time, they have very good services and the weekly payment is very light for us to meet.

I have been a member for almost 4 years now and I know that its also my responsibility to be a good member and a good payer.