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Josefina, 41, works hard to provide for her family. She is married and has three children.

For the past 23 years Josefina has run a sari sari, or general store, in the Philippines. She also has a meat shop.

Josefina has previously borrowed and repaid fourteen loans from NWTF. She is now applying for a 40,000 PHP loan to buy more stock to sell.

Josefina aspires to save enough money to rent a space at the public market.

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
  • 738
    View loans »
    Philippines Loans Fundraising
  • $63,295,350
    Funds lent in using Kiva
  • 44.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $925 helped Josefina to buy more stock to sell in her sari sari.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Aug 28, 2013
Currency Exchange Loss:
Nov 17, 2013