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Joelina is 48 years old, married, and has six children, two of whom are in school. She works very hard to provide for them. She runs a general store in the Philippines. She has been in this business for four years.

Joelina requested a PHP 19,000 loan through NWTF. She will use it to buy stock to resell at her store, like cream, coffee, milk, canned goods and spices.

She would like to save enough money so she could afford to send her children to college, in the 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 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
  • 340
    View loans »
    Philippines Loans Fundraising
  • $52,191,675
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Joelina to buy more stock to resell, like cream, coffee, milk, canned goods and spices.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 6, 2013
Mar 28, 2013
Currency Exchange Loss:
Mar 17, 2014