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Ruby is 35 years old and married with six children, five of whom are in school. She works hard to provide for her family.

She runs a buy and sell charcoal business in the Philippines, and requested a PHP 12,000 loan through NWTF to purchase additional sacks of charcoal to sell.

Ruby has borrowed and paid six loans from NWTF before this loan. She has been running the buy and sell charcoal for 10 years, and also earns an income from buy and sell bamboo.

Ruby aspires to save enough money so she could afford to send her children to college.

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
  • 1863
    View loans »
    Philippines Loans Fundraising
  • $61,075,150
    Funds lent in using Kiva
  • 43.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ruby to purchase additional sacks of charcoal to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 6, 2014
Jul 6, 2014
Currency Exchange Loss:
Jan 25, 2015