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Elma is a fruit vendor. She is a hard-working entrepreneur who has been buying and selling a variety of fruit for the past 15 years. To earn additional income, she also engages in vegetable farming.

She is requesting PhP 24,500 through NWTF in order to buy additional fruits to offer for sale.

Elma has been sustaining her business activities through her own efforts with the help of the loans from NWTF. She dreams of saving enough to build a house for her family in the 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
  • 1857
    View loans »
    Philippines Loans Fundraising
  • $61,010,950
    Funds lent in using Kiva
  • 41.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $600 helped Elma to buy fruit to offer for sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 25, 2012
Jul 9, 2012
Currency Exchange Loss:
Jan 15, 2013