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Charming Joy
Charming Joy is 33 years old and married with one child. With her child currently in school, Charming Joy works very hard to provide for them.

Charming Joy runs a general store in the Philippines and requested a PHP 19,500 loan through NWTF to purchase items to sell in her general store like shampoo, noodles, canned goods, oil, groceries, etc.

Charming Joy has been in this business for three years and sells a variety of items. In the future she would like to repair and renovate her family home.

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

  • $7,000
    Average annual income
  • 1311
    View loans »
    Philippines Loans Fundraising
  • $57,946,175
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $500 helped Charming Joy to purchase items to sell like shampoo, noodles, canned goods, oil, groceries, etc.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jan 18, 2013
Listed
Feb 7, 2013
Currency Exchange Loss:
Possible
Ended:
Nov 17, 2013