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Ma. Emily
Ma. Emily is 47 years old, married, and has three children. She works hard to provide for her family. She runs a direct-selling business, selling Avon and MSE products, in the Philippines. She requested a PHP 14,000 loan through NWTF to buy additional items to sell, like shoes, belts, dresses and perfumes.

Ma. Emily has borrowed and repaid 13 loans from NWTF, before this loan. She has been running the direct-selling business for eight years, and she also earns an income from buying and selling charcoal and firewood.

Ma. Emily aspires to save enough money so she could afford to send her children to college.

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 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 women in low-income urban and rural communities.

About Philippines

  • $1175
    Average annual income
  • 337
    View loans »
    Philippines Loans Fundraising
  • $52,172,975
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $350 helped Ma. Emily to buy additional items to sell, like shoes, belts, dresses and perfumes.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jan 31, 2013
Feb 6, 2013
Currency Exchange Loss:
Aug 17, 2013