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Merly is 50 years old and married with four children.

She earns a living by farming coconut in the Philippines. Merly is borrowing 11,000 PHP through NWTF to purchase additional varieties of coconut and fertilizers.

Merly has been farming coconut for 15 years and also earns additional income from buying and selling dried coconut meat. She is working tirelessly toward the attainment of her dream: 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
  • 878
    View loans »
    Philippines Loans Fundraising
  • $63,381,250
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Merly to purchase additional varieties of coconut and fertilizers.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Apr 29, 2013
May 18, 2013
Currency Exchange Loss:
Nov 17, 2013