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Josephine is 19 years old and single.

Josephine works hard to provide for her family. She runs a general store in the Philippines and requested a 9,500 PHP (Philippines pesos) loan through NWTF to purchase items to sell like shampoo, soap, spices, noodles, milk, etc.

Josephine has borrowed and repaid three loans from NWTF before this loan. She has been running the general store for three years and also earns an income from food vending.

Josephine aspires to repair and renovate her family home.

Additional Information

More information about this loan

This loan is designed for borrowers living in an underserved region of the Philippines, where the poverty rate is high and microfinance services are scarce. Kiva loans help NWTF expand its presence in the area, where it also offers workshops for clients on idea generation and training in technical, business and marketing skills.

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
  • 878
    View loans »
    Philippines Loans Fundraising
  • $63,381,250
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $225 helped Josephine to purchase items to sell like shampoo, soap, spices, noodles, milk, etc.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Aug 27, 2013
Sep 23, 2013
Currency Exchange Loss:
Dec 17, 2013