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Melody is 38 years old and married with three children.

She works hard to provide for her family. She runs a general store in the Philippines and requested a PHP 17,000 loan through NWTF to buy items to sell like shampoo, groceries, etc.

Melody has borrowed and repaid eight loans from NWTF before this loan. She has been running the general store for five years and earns additional income from food vending.

She aspires to build and expand her business to secure the future of her family.

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
  • 1858
    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 $400 helped Melody to buy items to sell like shampoo and groceries.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jun 11, 2014
Jul 9, 2014
Currency Exchange Loss:
Jan 25, 2015