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Gemma is 48 years old and married with six children. Three of her children are in school. She is a very hard working entrepreneur.

Gemma has a fishing business in the Philippines. She requested a 29,000 Philippine Peso (PHP) loan through NWTF to buy fishing gear and other equipment.

Gemma has been in this business for 30 years. In the future, Gemma would like to save enough 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
  • 1125
    View loans »
    Philippines Loans Fundraising
  • $63,497,150
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Gemma to buy fishing gear and other equipment.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 16, 2012
Dec 7, 2012
Currency Exchange Loss:
Aug 17, 2013