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Annabelle is an 18-year old high school graduate and lives in Bago city. She belongs to a family of 4. Her father is a rice farmer earning a monthly income of Php 2,800, and her mother is a housewife. The eldest brother is working at the local garbage segregation center and helps in providing the basic needs of his siblings. Their total monthly family income of Php 6,000 ($133) is barely enough to provide for all their needs. This motivates Annabelle to find means to help the family have more income and that’s why she decided to undergo the selection process of BagoSphere. She has qualified for the 2-month training program that could lead to a call center job. Apart from helping her family, Annabelle also dreams of finishing her studies and land a permanent job. Generosity in funding her loan will help Annabelle support herself financially in the coming months.

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
  • 1492
    View loans »
    Philippines Loans Fundraising
  • $59,411,500
    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 Annabelle to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
90% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 26, 2014
May 20, 2014
Currency Exchange Loss: