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Emily

Update on Emily

Emily is 33 years old and married with two children.

Emily works hard to provide for her family. She runs a general store in the Philippines and requested a 12,000 PHP (Philippines pesos) loan through NWTF to buy items like shampoo, groceries, etc., to sell in her sari-sari store.

Emily has been in this business for six years and has previously received funds through Kiva.

Emily aspires to save enough to provide a secure future for her family.

Previous Loan Details

Emily is married with two children. She is a very hard-working entrepreneur. Emily is 31 years old and both her children are in school. Emily has a sari sari (variety) store business in the Philippines. Emily requested a PHP 12,000 loan amount through NWTF to purchase more items like diapers, ... More from Emily'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 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.

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
  • 1314
    View loans »
    Philippines Loans Fundraising
  • $57,946,175
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $300 helped Emily to buy items like shampoo, groceries, etc., to sell in her sari-sari (variety) store.
99% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 20, 2013
Listed
Mar 25, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 17, 2014