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Bernadette is 53 years old and married with one child.

Bernadette and her family survived super typhoon Haiyan which swept through the Philippines last November 8, 2013. Her business and family home was wiped out.

She is taking out a housing loan in the amount of 9,950 PHP to purchase building materials and to pay for construction labor to build a house for her family. Bernadette has been a Negros Women for Tomorrow Foundation, Inc. (NWTF) borrower since 2013.

With your help, Bernadette can rebuild her house and rebound from the devastation of super typhoon Haiyan. In the future, she would like to save enough to provide a secure future for her family.

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. These loans will be directed to borrowers living in affected areas and help them to rebuild and recover. 

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 Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Philippines

  • $7,000
    Average annual income
  • 835
    View loans »
    Philippines Loans Fundraising
  • $63,371,875
    Funds lent in using Kiva
  • 44.3
    Philippines Pesos (PHP) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $225 helped Bernadette to purchase building materials and pay for construction labor.
34% repaid
Repayment Term
60 months (Additional Information)
Repayment Schedule
Feb 7, 2014
Mar 9, 2014
Currency Exchange Loss: