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Emma is 72 years old and married.

Emma works hard to provide for her family. She runs a sari-sari store (variety store) in the Philippines and has requested a PHP 20,000 loan through NWTF to purchase more groceries to sell.

Emma has borrowed and paid 20 loans from NWTF before this loan. She has been running the sari-sari store for twenty years and also earns an income from retailing gasoline.

Emma 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
  • 1940
    View loans »
    Philippines Loans Fundraising
  • $61,097,225
    Funds lent in using Kiva
  • 41.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Emma to purchase more groceries to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 27, 2012
Oct 28, 2012
Currency Exchange Loss:
Oct 17, 2013