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Gemma
Gemma is 48 years old and married with 3 children. She earns a living by farming flowers in the Philippines. Gemma has been farming flowers for one year and also earns additional income from food vending.

Gemma is borrowing PHP 10000 through NWTF to buy fertilizers and other farm supplies. She is working tirelessly toward the attainment of her dream: 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 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
  • 493
    View loans »
    Philippines Loans Fundraising
  • $53,351,450
    Funds lent in using Kiva
  • 42.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Gemma buy fertilizer and farm supplies.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Aug 14, 2012
Listed
Aug 30, 2012
Currency Exchange Loss:
Possible
Ended:
Mar 15, 2013