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Rachel works hard to support her family. Rachel is married and has a personal products sales business in the Philippines.

Rachel requested a PHP 15,000 loan through NWTF to buy more body lotions, deodorants, perfume, and other personal products.

Rachel has been in this business for five years now and also earns additional income from a variety store.

In the future, Rachel would like to save enough money to expand her business.

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
  • 670
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 42.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Rachel to buy more body lotion, deodorant, perfume, and other personal products.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 29, 2012
Mar 18, 2012
Currency Exchange Loss:
Dec 15, 2012