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Josephine is 52 years old and has six children. She is married and one of her children is in school.

Josephine is in the agricultural business, buying and selling livestock in the Philippines. She requested a 29,500 PHP loan through NWTF to buy an additional cow, goat and carabao (water buffalo) to sell.

Josephine has been buying and selling livestock for 15 years now, and has borrowed 29 times in the past from NWTF to sustain her business. In the future, Josephine would like to save enough money so she can 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 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 women in low-income urban and rural communities.

About Philippines

  • $1175
    Average annual income
  • 329
    View loans »
    Philippines Loans Fundraising
  • $52,207,900
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Josephine to buy an additional cow, goat and carabao (water buffalo) to sell.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Nov 7, 2013
Nov 26, 2013
Currency Exchange Loss:
Mar 17, 2014