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Gemma is 47 years old, married, and has three children, one of whom is in school. Gemma is in the agricultural business, raising pigs in the Philippines. Gemma applied for a PHP 12,000 loan through NWTF to buy feed and vitamins for her pigs. Gemma has been raising pigs for two years, and she has borrowed seven times in the past from NWTF to sustain her business. In the future, Gemma 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
  • 2123
    View loans »
    Philippines Loans Fundraising
  • $61,219,850
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Gemma to buy feed and vitamins for her pigs.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Jun 7, 2013
Jul 8, 2013
Currency Exchange Loss:
Mar 17, 2014