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Josefina is 58 years old and a widow with two children.

Josefina works hard to provide for her family. She runs a general store in the Philippines and requested a PHP 29,500 loan through NWTF to purchase additional stock like canned goods, softdrinks, rice, etc. to sell.

Josefina has borrowed and paid back 19 loans from NWTF before this loan. She has been running the general store for 10 years and also earns an income from farming sugarcane.

Josefina aspires 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
  • 1859
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Josefina to purchase additional stock like canned goods, softdrinks and rice to sell.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Sep 16, 2013
Sep 24, 2013
Currency Exchange Loss:
Oct 26, 2014