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Janelle is 24 years old, a college undergraduate, and lives in Bago City. She belongs to a family of 5.Her parents are separated, and her mother supports the family by operating her own food shop within the city’s food center. Jannelle’s older sister, an overseas worker, also helps in supporting the family’s basic needs. Their total monthly income of Php 10,000($222) is not enough to provide all their needs. Thus, Jannelle motivates herself to find means to help the family have more income. She braved the selection process of BagoSphere and successfully passed it to qualify for the 2-month training program that could lead to a call center job. Apart from helping her family, Jannelle also dreams of having her own food shop. Your generosity in funding her loan will help Jannelle have a better income in the coming months.

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
  • 1447
    View loans »
    Philippines Loans Fundraising
  • $59,139,875
    Funds lent in using Kiva
  • 44.9
    Philippines Pesos (PHP) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $400 helped Jannelle to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
99% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Feb 20, 2014
Currency Exchange Loss: