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As a married parent of ten children, Norema works hard to support her family.

She has a fishing business in the Philippines and also earns additional income from farming rice. Norema is borrowing PHP 11,000 through Negros Women for Tomorrow Foundation, Inc. (NWTF) to buy materials like wood, paint, and fishing nets for her fishing business.

Norema has been sustaining her business activities through her past 17 loans from NWTF. She hopes that her hard work will help her attain her dream to save enough money to provide a secure future for her family.

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
  • 816
    View loans »
    Philippines Loans Fundraising
  • $63,360,225
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Norema to buy materials like wood, paint, and fishing nets for her business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 21, 2013
Apr 22, 2013
Currency Exchange Loss:
Oct 17, 2013