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Carmela is 67 years old, is married, and has 10 children.

Carmela is in the agricultural business, farming rice in the Philippines. She requested a loan of 27,000 Philippines pesos (PHP) through NWTF to buy more fertilizers and other farm supplies.

Carmela has been farming rice for eight years now, and has borrowed 15 times in the past from NWTF to sustain it.

In the future, Carmela would like to repair and renovate her family home.

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
  • 686
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 43.3
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Carmela to buy fertilizers and other farm supplies.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jun 4, 2013
Jul 8, 2013
Currency Exchange Loss:
Jun 17, 2014