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Josephine is 52 years old and married with four children. She works very hard to provide for them.

Josephine runs a general store in the Philippines and requested a 18,000 PHP loan to buy more groceries to sell. She has been in this business for ten years and sells a variety of items such as snack foods, school supplies and other groceries.

In the future, Josephine would like to save enough money to expand her business and repair her family's home.

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 men and 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 low-income urban and rural communities.


About Philippines

  • $7,000
    Average annual income
  • 1889
    View loans »
    Philippines Loans Fundraising
  • $61,096,775
    Funds lent in using Kiva
  • 44.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Josephine to buy more groceries to sell in her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 13, 2014
Jun 23, 2014
Currency Exchange Loss:
Jan 25, 2015