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Lera is 36 years old and married with two children.

Lera works hard to provide for her family. She runs a business doing direct selling of Natasha and Avon products in the Philippines and requested a PHP 29,500 loan through NWTF to buy more stock to sell in her business.

Lera has borrowed and paid for ten loans from NWTF before this loan. She has been running the direct selling business for five years and also earns an income from raising livestock.

Lera aspires to save money so that she can afford to send her children to college.

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 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 women in low-income urban and rural communities.

About Philippines

  • $1175
    Average annual income
  • 371
    View loans »
    Philippines Loans Fundraising
  • $50,935,875
    Funds lent in using Kiva
  • 41.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Lera to buy more stock to sell in her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 19, 2012
Jul 17, 2012
Currency Exchange Loss:
Jan 15, 2013