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Gemma, a 42-year-old widowed mother of six children, five of whom are in school, is a very hard working entrepreneur. The operator of a rice retailing business in the Philippines for four years, she has requested a PHP 10000 loan through NWTF to buy additional sacks of rice to sell.

In the future, Gemma would like to save enough money 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 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
  • 718
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Gemma to buy additional sacks of rice to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Mar 26, 2013
Apr 22, 2013
Currency Exchange Loss:
Oct 17, 2013