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Emma
Emma is a married woman who lives in Madredijos, Bantayan Cebu. She has a stall in the market where she cooks and sells barbecued food: chicken, port, etc. She also buys and sells dried squid to augment her income. Her husband Jerson, who is 36 years old, works as a vendor to earn his living and helps in his wife's business activities. They have six children who are between 3 and 13 years old.

Emma joined NWTF-Project Dungganon in 2005 because she aspired for something better for her family. With the help of her past 14 loans from NWTF-Project Dungganon, Emma has been incrementally lifting her family out of poverty by the sweat of her brow. Her previous loan of PHP 28,000 helped her earn a monthly profit of PHP 12,000, uplifting the family's standard of living.

This time, for her 15th loan, she is borrowing PHP 29,500 to purchase ingredients for her food business as well as buy more stocks of dried squid to resell. Emma is working hard so that she can continue to save up for the future expansion of her business. Emma 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

  • $7,000
    Average annual income
  • 1252
    View loans »
    Philippines Loans Fundraising
  • $57,871,450
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Emma buy ingredients for her food production business and buy more dried squid.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 4, 2011
Listed
Mar 20, 2011
Currency Exchange Loss:
Possible
Ended:
Jul 15, 2011