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Josie Jo
Josie Jo is 55 years old and a widow with five children. She works hard to provide for her family. She runs a general store in the Philippines and requested a 30,000 Philippine peso loan through NWTF to purchase additional items to sell in her general store.

Josie Jo has borrowed and repaid nine loans from NWTF before this loan. She has been running her general store for four years and also earns income from farming sugarcane. Josie Jo aspires to build and expand her business to secure the future 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
  • 1082
    View loans »
    Philippines Loans Fundraising
  • $63,436,400
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Josie Jo to purchase additional items to sell in her general store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 26, 2012
Oct 27, 2012
Currency Exchange Loss:
Apr 17, 2013