When I visit a new country, I am always fascinated to see how the social values differ from my own as a British born Indian. When I found out I would be heading to the Philippines, I was pleased to see that the cultural guides were richly filled with Filipino traits. It made my day when I read another Kiva Fellow’s blog about the most well known Filipino trait – ‘Bahala Na’ which means ’leave it to God’ . Along with Bahala Na, I wanted to share two other common traits that I believe make borrowers from the Philippines great candidates for micro-lending. Group loyalty (Pakikisama) and inclusion (Sakop).