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Patric is an 18 year old high school graduate from a family of sugarcane farmers in Bago City. Being the eldest among three siblings, he helps his mother plant sugarcane and rice in the farm. His mother’s income is Php 2,500 ($57) per month during harvest season but averages only Php 1,500 ($34) per month on a yearly basis . An industrious yet shy person, Patric took courage to apply in BagoSphere because his mother can hardly provide food and clothes for them. Patric passed BagoSphere’s test and interview in the initial assessment. Since he is now qualified for the training, he needs funds for his tuition fee. Patric wants to be a call center agent for him to earn money to help his mom and build their own house.

Additional Information

More information about this loan

This loan offers flexible terms to meet the needs of BagoSphere's students. After students complete training, they are afforded up to a 6-month grace period to secure employment. Students who are able to find call center jobs then repay their loans over the course of 8 months. However, if a student must find alternative employment, BagoSphere will extend the loan term for up to 18 months. By funding this loan you are providing students with the opportunity to receive training, and giving them the flexibility to start employment before beginning loan repayment.

About BagoSphere

BagoSphere is a for-profit social enterprise that provides vocational training in the Philippines to help rural youth prepare for call center jobs. These jobs enable young people to earn far more than they could through unskilled labor, and enable them to save for professional and personal development goals.

Bagosphere uses Kiva capital to extend its “study now pay later” tuition loans program, with 0% interest for students admitted to their program that demonstrate financial need.

About Philippines

  • $7,000
    Average annual income
  • 691
    View loans »
    Philippines Loans Fundraising
  • $63,147,100
    Funds lent in using Kiva
  • 45.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Patric to pay for tuition for a 2-month call center training program that can get him a job paying about $270 monthly.
100% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Feb 3, 2014
Currency Exchange Loss:
Sep 17, 2015