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Julie Joy
Julie Joy is a married woman who lives in Narra, Palawan. She earns her living by operating a general store and selling livestock supplies. Her husband Emmanuel, who is 43 years old, works as a teacher to earn his living. Julie Joy joined NWTF-Project Dungganon in 2009 because she aspired for something better for her family. With the help of her past five loans from NWTF-Project Dungganon, Julie Joy has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 18,000 helped her earn a monthly profit of PHP 7,500, uplifting the family's standard of living. This time, for her sixth loan, she is borrowing PHP 25,000 to buy additional stock for the store so that she can continue to save up for future savings and expansion of her business. Julie Joy is a Dungganon woman who is following an honorable path toward the achievement of her dreams.

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More information >>

About Negros Women for Tomorrow Foundation

Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to women in low-income urban and rural communities.

About Philippines

  • $1175
    Average annual income
  • 356
    View loans »
    Philippines Loans Fundraising
  • $50,957,200
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Julie Joy to purchase more stock to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 21, 2011
Listed
Mar 8, 2011
Currency Exchange Loss:
Possible
Ended:
Sep 15, 2011