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Joy
Joy, age 33, runs a general store business to earn an income. She lives with her husband and their two children in Bayawan, Negros Oriental, and she works hard to provide for her family. She has been running her store for eight years and earns an additional income from farming peanuts, corn, and rice, as well as raising livestock.

Joy has borrowed and repaid two prior loans from NWTF. She is presently requesting a PhP 15,000 loan through NWTF, which she will use to purchase additional stock items such as bread, snack foods, canned goods, and cooking oil to sell in her general store.

Joy's aspiration is to save enough money to be able to afford to send her children to college.

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
  • 1245
    View loans »
    Philippines Loans Fundraising
  • $57,792,650
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD
Ended with Loss - Currency Exchange Loss learn more
A loan of $375 helped Joy to purchase additional stock items such as bread, snack foods, canned goods, and cooking oil to sell in her general store.
99% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Mar 12, 2013
Listed
Apr 3, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 17, 2014