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Herminia is 41 years old and married with three children. With two children currently in school, Herminia works very hard to provide for them.

Herminia runs a general store in the Philippines and requested a PHP 23,000 loan through NWTF to purchase additional groceries to sell in her general store.

Herminia has been in this business for 4 years and sells a variety of items such as soft-drinks, canned goods, cooking oil, sugar, coffee, etc.

In the future, Herminia would like to save enough money so she could afford to send her children to school.

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. 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 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 women in low-income urban and rural communities.


About Philippines

  • $1175
    Average annual income
  • 334
    View loans »
    Philippines Loans Fundraising
  • $52,191,675
    Funds lent in using Kiva
  • 44.4
    Philippines Pesos (PHP) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $525 helped Herminia to purchase additional groceries to sell in her general store.
94% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 3, 2014
Apr 14, 2014
Currency Exchange Loss: