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Cheryl is a 25-year old high school graduate and lives in a rural village in Bago City. Her father works as a construction helper and farmer, and her mother helps in the canteen at a local school. Cheryl’s partner died 2-years ago due to a disease, and she’s been living with her family since then. Their total monthly family income is only Php 5,000.00($111). Cheryl wants to help her parents but didn't have the means until she learned about the 2-month training program of BagoSphere that could lead to a call center job. Now that she has passed BagoSphere’s selection process, she needs your help to finance her tuition. Once Cheryl starts earning, she can help her parents provide her family’s basic needs and then save money for her 3-year old girl.

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. The vast majority of students do find call center employment, so this loan has been posted with the shorter 8-month schedule; if the loan term is later extended, BagoSphere will notify lenders by posting a journal. 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

  • $1175
    Average annual income
  • 341
    View loans »
    Philippines Loans Fundraising
  • $50,739,475
    Funds lent in using Kiva
  • 44.7
    Philippines Pesos (PHP) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $400 helped Cheryl to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
12% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
Mar 17, 2014
Feb 28, 2014
Currency Exchange Loss: