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R-Jay is a 23-year old vocational school graduate and he lives in a rural village in Bago City. He belongs to a family of 12. His father is a rice farmer and his mother is a housewife and takes care of her grandchildren. R-jay has 9 siblings and his eldest sister is helping them financially. Both father and sister are earning a total monthly income Php 6,000.00 ($133) that is barely enough to provide their basic needs.

Being the youngest child and living in poverty motivate R-Jay to find means to help his parents have more income. That’s why he braved the selection process of BagoSphere and successfully qualified for a 2-month training program that could lead to a call center job. R-Jay dreams of earning enough money to buy a house for his parents. Lenders' generosity in funding this loan will help R-Jay have a higher and better income.

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
  • 1082
    View loans »
    Philippines Loans Fundraising
  • $63,434,650
    Funds lent in using Kiva
  • 44.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped R-Jay 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
Mar 18, 2014
Currency Exchange Loss:
Aug 17, 2015