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Joan is 30 years old and married with 2 children.
Joan works hard to provide for her family. She runs a buy and resells charcoal in the Philippines and has requested a PHP 21000 loan through NWTF to purchase additional sacks of charcoal to sell.

Joan has borrowed and paid 6 loans from NWTF before this loan. She has been trading in charcoal for 5 years and also earns an income from rice retailing.
Joan aspires to build and expand 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
  • 1888
    View loans »
    Philippines Loans Fundraising
  • $61,001,400
    Funds lent in using Kiva
  • 40.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $525 helped Joan to purchase additional sacks of charcoal to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 18, 2013
Jan 25, 2013
Currency Exchange Loss:
Aug 17, 2013