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As a married parent of five children, Herminia works hard to support her family.

She has a general store business in the Philippines, and earns additional income from food vending. Herminia is borrowing PHP 20,000 through NWTF to buy additional stock to sell for her general store business.

Herminia has been sustaining her business activities through her past seven loans from NWTF. She hopes that her hard work will help her attain her dream of building and expanding her business to secure the financial stability of her family.

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
  • 1943
    View loans »
    Philippines Loans Fundraising
  • $61,098,225
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Herminia to buy additional stock to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 28, 2012
Oct 25, 2012
Currency Exchange Loss:
Oct 17, 2013