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Clemencia is 45 years old and married with three children.

Clemencia works hard to provide for her family. She runs a sari-sari (general) store in the Philippines and has requested a PHP 15,000 loan through NWTF to purchase additional stock to sell.

Clemencia has borrowed and repaid 18 loans from NWTF. She has been running the sari-sari store for 17 years and also earns income from food sales.

Clemencia aspires to build and expand her business to secure her family's future.

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
  • 1933
    View loans »
    Philippines Loans Fundraising
  • $61,100,300
    Funds lent in using Kiva
  • 42.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Clemencia to purchase additional stock to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Jul 20, 2011
Sep 1, 2011
Currency Exchange Loss:
Nov 15, 2011