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Gemma is a hardworking entrepreneur who has a used clothes business in the Philippines. She is borrowing PHP 11,000 through NWTF to purchase additional bundles of used clothes to sell for her business. Gemma has been in this business for two years. Gemma earns additional income from direct selling of Avon products. Gemma has been sustaining her business activities through her own efforts with the help of the loans from NWTF. She dreams to save enough money so she can 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
  • 749
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Gemma to purchase additional bundle of used clothes to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 12, 2013
May 3, 2013
Currency Exchange Loss:
Nov 17, 2013