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Josephine is 38 years old and married, with five children.

Josephine works hard to provide for her family. She runs a general store in the Philippines, and she requested a 17,000 PHP loan through NWTF, to buy additional items to sell like spices, milk, sugar, can goods, egg, etc..

Josephine has borrowed and repaid 11 loans from NWTF before this loan. She has been running the general store for eleven years and also earns an income from raising pigs. Josephine aspires to save enough money to provide a secure future for 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
  • 993
    View loans »
    Philippines Loans Fundraising
  • $63,411,650
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Josephine to buy additional items like spices, milk, sugar, can goods, egg, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 26, 2012
Oct 29, 2012
Currency Exchange Loss:
Apr 17, 2013