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Ma. Erma
Ma.Erma works hard to support her family. She is married and has a candy making business in the Philippines. Ma.Erma requested a PHP 30,000 loan through NWTF in order to buy ingredients for her candy making. She has been in this business for eight years. In the future, Ma.Erma would like to save money to expand her business.

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
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Ma. Erma to buy ingredients for her candy making .
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 25, 2013
May 14, 2013
Currency Exchange Loss:
Jul 17, 2013