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As a married mother of four children, Luzminda works hard to support her family.

She sells used clothing in the Philippines, and earns additional income by raising pigs. Luzminda is borrowing PHP 26,000 through NWTF in order to purchase an additional stock of used clothes to sell.

Luzminda has been managing her business through her past twenty loans from NWTF. She hopes that her hard work will help her 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
  • 713
    View loans »
    Philippines Loans Fundraising
  • $63,241,750
    Funds lent in using Kiva
  • 43.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $625 helped Luzminda to purchase an additional stock of used clothes to sell.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Sep 5, 2013
Sep 26, 2013
Currency Exchange Loss:
Mar 17, 2014