The Gift of Excellence : Loyalty | The JMH Story of Fe D. Nogales

The Gift of Excellence : Loyalty | The JMH Story of Fe D. Nogales

by: JLGranado | 2025

My name is Fe D. Nogales, 66 years old, from Sawanga, Bacon, Sorsogon. I’ve been a proud member of JMH Microfinance, Inc. for almost 20 years.

When JMH first came to our area, I immediately took interest and joined. We underwent a three-day training in a nearby barangay, and even took an exam. That was how our journey began.

My very first loan from JMH was ₱5,000, which I used to start my small store. That store became my source of livelihood—and it has been ever since. As my capital grew, so did the store. With God’s grace, and alongside the support of my hardworking husband, I was even able to send our children to school.

Through the years, my loan has grown to as much as ₱100,000. With every cycle, JMH has been there not just as a lending institution, but as a true companion. Because of JMH, I was able to acquire things for our home, and continue doing business even at my age. I don’t want to leave JMH. As long as I have the strength to sell, I will continue borrowing, even just a little, to keep going. I have never had any problems with JMH. The employees are respectful and kind, and I’ve always felt supported.

After all this time, I’m still here. And I hope to continue being here for as long as I can. JMH has been with me through so much—and I truly hope it stays that way for life.

FE D. NOGALES
20th Anniversary Client Awardee

Earlier this 2025, Nanay Fe peacefully passed away. Until her last breath, she remained a faithful and beloved member of JMH Microfinance, Inc.—a true testament to her loyalty and the deep relationship she nurtured with JMH through the years. Her story, spirit, and legacy will forever remain in our hearts.