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Roxanne is a 20 –year old college undergraduate and lives in a rural village in Bago City. She belongs to a family of 5. Her father is a sugarcane farm helper and and her mother is a housewife. Roxanne has 2 siblings: the older sister works as a warehouse clerk in the City, while the youngest brother is still studying in the local high school.
Roxanne is a single mother to a 2 year old daughter, and her family is earning Php 6,000.00 ($133) per month. This income is only for their basic needs. Roxanne would like to earn more for herself and for her family. Now that she has passed BagoSphere’s selection process, she needs help to finance her tuition. So she can help her parents provide basic needs and prepare for her daughter'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
  • 1430
    View loans »
    Philippines Loans Fundraising
  • $59,148,800
    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 Roxanne to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
98% repaid
Repayment Term
18 months (Additional Information)
Repayment Schedule
May 26, 2014
May 20, 2014
Currency Exchange Loss: