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Josephine is 55 years old. She is married and has 8 children. Josephine works hard to provide for her family. She runs a sari-sari store in the Philippines. She has been running her store for 20 years and also earns additional income from raising pigs.

Josephine has requested a loan for PHP 11000 through NWTF to purchase additional items like milk, coffee, sugar, salt, creamer, etc. to sell in her sari-sari store. Josephine has borrowed and repaid 23 previous loans from NWTF before this loan. She aspires to save enough money to provide a secure future for her family.

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
  • 872
    View loans »
    Philippines Loans Fundraising
  • $63,374,250
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Josephine purchase additional items to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 17, 2011
Jul 2, 2011
Currency Exchange Loss:
Jan 15, 2012