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Hemelina is a 46-year-old married woman with four children.

Hemelina works hard to provide for her family. She runs a general store in the Philippines. She has been running the general store for 11 years and also earns income by buying and selling rice.

She is now requesting a loan in the amount of 28,000 PHP through NWTF to buy more inventory, such as coffee, creamers, soap, canned goods, and noodles, to sell in her general store. Prior to this loan, Hemelina had borrowed and re-paid 20 loans through NWTF. Hemelina aspires to save enough money to provide her family with a secure future.

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
  • 705
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Hemelina to purchase additional inventory (e.g., coffee, creamers, soap, canned goods, and noodles) to sell in her general store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 25, 2013
Currency Exchange Loss:
Aug 17, 2013