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Elsa is 40 years old and married with four children.

Elsa works hard to provide for her family. She runs a used clothing business in the Philippines and requested a PHP 23,000 loan through NWTF to purchase additional bundles of used clothing to sell.

Elsa has borrowed and paid nine loans from NWTF before this loan. She has been running this business for 20 years and earns additional income from raising pigs.

Elsa 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
  • 1855
    View loans »
    Philippines Loans Fundraising
  • $61,010,950
    Funds lent in using Kiva
  • 41.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Elsa to purchase additional bundles of used clothing to sell.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Sep 14, 2012
Oct 18, 2012
Currency Exchange Loss:
Jul 17, 2013