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Emma
As a married parent of four children, Emma works hard to support her family. She has a buy and sell spice pack business in the Philippines, and also earns additional income from food vending. Emma is requesting a PHP 20,000 loan through NWTF to buy additional spices for re-sale. Emma has been sustaining her business activities through her past seven loans from NWTF. She hopes that her hard work will help her attain her dream of saving 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 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 women in low-income urban and rural communities.

About Philippines

  • $1175
    Average annual income
  • 398
    View loans »
    Philippines Loans Fundraising
  • $52,107,225
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $475 helped Emma to buy additional spices for re-sale.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 10, 2013
Listed
Jun 25, 2013
Currency Exchange Loss:
Possible
Ended:
Jan 17, 2014