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Viebeth Joy
Viebeth Joy is a hardworking entrepreneur who has a business buying and selling cashew nuts in the Philippines.

She is borrowing PHP 13,000 through NWTF to purchase additional stocks of cashew nuts to sell.

Viebeth Joy has been in this business for 10 years. She earns more income from her general store.

Viebeth Joy has been sustaining her business activities through her own efforts with the help of the loans from NWTF. She dreams of saving enough money so she could 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 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
  • 1892
    View loans »
    Philippines Loans Fundraising
  • $61,001,400
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Viebeth Joy to purchase additional stocks of cashew nuts to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Apr 4, 2013
May 3, 2013
Currency Exchange Loss:
Oct 17, 2013