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Ma. Elsie
Ma. Elsie is 53 years old, married, and has seven children. With three children currently in school, she works very hard to provide for them. Ma. Elsie runs a general store in the Philippines and applied for a PHP 11,000 loan through NWTF to buy additional items to sell in her store. She has been in this business for 10 years, and she sells a variety of items, such as alcohol, soft drinks and groceries. Ma. Elsie would like to save enough to provide a secure future for her family.

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
  • 754
    View loans »
    Philippines Loans Fundraising
  • $63,325,000
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Ma. Elsie to buy additional items to sell in her general store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Jun 20, 2013
Jul 3, 2013
Currency Exchange Loss:
Jul 17, 2014