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Emma

Update on Emma

As the married mother of five children, Emma works hard to support her family. She provides computer services in the Philippines, and also earns additional income from a general store and by selling purified drinking water. She is requesting a loan for PHP 60,000 through NWTF to buy computer supplies for her business. Emma has sustained her business activities with help from her five previous loans from NWTF and, more recently, through Kiva. She hopes that her hard work will help her attain her dream, which is to save enough money to provide a secure future for her family.

Previous Loan Details

Now Emma is borrowing PHP 45,000 to fund her purified drinking water business. The purified drinking water and clothing sales retail business that she previously funded through NWTF and Kiva continues to provide for her and her family, to increase their income and improve their quality of life. More from Emma's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 1307
    View loans »
    Philippines Loans Fundraising
  • $58,008,825
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $1,475 helped Emma to buy computer supplies.
99% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Feb 26, 2013
Listed
Mar 11, 2013
Currency Exchange Loss:
Possible
Ended:
Mar 17, 2014