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Merlinda is a hardworking entrepreneur who has a rice retail business in the Philippines. She is borrowing PHP 17000 through NWTF to purchase additional sacks of rice to sell for her rice retail business. Merlinda has been in this business for five years. She also earns income from food vending.

Merlinda has been sustaining her business activities through her own efforts, with the help of loans from NWTF. She dreams of saving enough money to send her children to college 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
  • 1865
    View loans »
    Philippines Loans Fundraising
  • $60,984,950
    Funds lent in using Kiva
  • 41.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Merlinda to purchase additional sacks of rice to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Aug 23, 2012
Sep 7, 2012
Currency Exchange Loss:
Mar 15, 2013