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Joanne works hard to support her family. Joanne is married and has a rice and corn mill operator business in the Philippines.

Joanne requested a PHP 30,000 loan through NWTF to pay the salaries of rice and corn mill operators. Joanne has been in this business for 18 years now.

In the future, Joanne 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 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
  • 1597
    View loans »
    Philippines Loans Fundraising
  • $60,711,600
    Funds lent in using Kiva
  • 43.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $700 helped Joanne to pay for the salaries of rice and corn mill operators.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Nov 22, 2013
Dec 5, 2013
Currency Exchange Loss:
Sep 17, 2014