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A married parent of four children, Marcelina works hard to support her family.

She has a water refilling business in the Philippines and also earns additional income from pig fattening. Marcelina is borrowing PHP 20,000 through NWTF to purchase refill bottles for her water refilling business.

Marcelina has been sustaining her business activities through her past 23 loans from NWTF. She hopes that her hard work will help her attain her dream to support her grandchildren in school.

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 men and 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 low-income urban and rural communities.

About Philippines

  • $7,000
    Average annual income
  • 1598
    View loans »
    Philippines Loans Fundraising
  • $60,711,600
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Marcelina to purchase bottles for her water refilling business.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Mar 15, 2011
Apr 5, 2011
Currency Exchange Loss:
Jan 15, 2012