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Elma is 49 years old and married with five children.

Elma works hard to provide for her family. She runs a general store in the Philippines and requested a PHP 23000 loan through NWTF to buy items to sell like shampoo, eggs, spices, milk and coffee.

Elma has borrowed and repaid five loans from NWTF before this loan. She has been running the general store for eight years and also earns income from rice retailing.

Elma aspires to save enough money so she could afford 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 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
  • 1486
    View loans »
    Philippines Loans Fundraising
  • $59,115,875
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $575 helped Elma to buy items to sell like shampoo, eggs, spices, milk and coffee.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Aug 7, 2013
Sep 3, 2013
Currency Exchange Loss:
Feb 17, 2014