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Ma. Luz
Ma.Luz is 34 years old and married, with three children, who are in school. Ma.Luz works very hard to provide for them.

Ma.Luz runs a buy and sell charcoal business in the Philippines. She has requested a PHP 14,000 loan through NWTF to purchase additional sacks of charcoal to sell.

Ma.Luz has been in this business for eight years.

In the future, Ma.Luz would like 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
  • 1076
    View loans »
    Philippines Loans Fundraising
  • $63,443,175
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Ma. Luz to purchase additional sacks of charcoal to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 15, 2012
Oct 21, 2012
Currency Exchange Loss:
May 17, 2013