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Aletha is a 37-year old college graduate and lives in a rural village in Pulupandan. Her father works as a tricycle driver and farmer, and her mother tends the needs of her children and a part time cook in a local eatery. Aletha’s husband Stephen helps in his family’s mini-convenience store and they have been living with his family since then. Their total monthly family income is only PHP 6,000.00 (USD 136). Aletha has long seen the need to help her husband but did not have the means until she learned about the 2-month training program of BagoSphere that could lead to a call center job. Now that she has passed BagoSphere’s selection process, she needs your help to finance her tuition. Once Aletha starts earning, she can help her siblings provide her family’s basic needs and then save money for her future children.

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
  • 1442
    View loans »
    Philippines Loans Fundraising
  • $59,259,575
    Funds lent in using Kiva
  • 43.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Aletha to pay for tuition for a 2-month call center training program that can get her a job paying about $270 monthly.
100% repaid
Repayment Term
17 months (Additional Information)
Repayment Schedule
Aug 4, 2014
Jul 31, 2014
Currency Exchange Loss:
Jul 17, 2015