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Crema works hard to support her family. She is married and has a shell crafting business in the Philippines.

Crema requested a 25,000 PHP loan through NWTF to buy more materials for her shell crafting business. She has been in this business for 16 years.

Crema would like to save enough 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
  • 1860
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 42.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Crema to buy more materials for her shell crafting business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 28, 2011
Sep 3, 2011
Currency Exchange Loss:
Feb 16, 2012