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Marlou is a 26-year old vocational graduate and lives in Bago City. She belongs to a family of 5. She and her husband manage their own mini convenience store located just outside their home. Marlou's husband is also a farmer and their total monthly income is Php 10,000 ($222). They have a 5-year old baby boy. Marlou knows that their income is not enough to provide all their needs. Thus, Marlou motivates herself to find means to help her husband 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 her to a call center job. Marlou also dreams of having a big retail business. Generosity in funding her loan will help Marlou have a better income in the coming months and save for her son's future.

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
  • 1534
    View loans »
    Philippines Loans Fundraising
  • $59,090,400
    Funds lent in using Kiva
  • 43.7
    Philippines Pesos (PHP) = $1 USD
Paying Back

This loan has been fully funded!

A loan of $425 helped Marlou to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
87% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 26, 2014
May 20, 2014
Currency Exchange Loss: