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Josefa is 38 years old and married. She has two children.

Josefa works hard to provide for her family. She runs a direct selling business of Avon products in the Philippines. She has been running the direct selling business for five years and also earns an income from buying and selling rice and from her general store.

She requested a PHP 14,000 loan through NWTF to purchase more stock to sell.

Josefa has borrowed and paid nine loans from NWTF before this loan.

Josefa aspires to save 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
  • 1938
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 42.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Josefa to purchase more stock to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 21, 2012
Jun 17, 2012
Currency Exchange Loss:
Dec 15, 2012