A loan of $425 helps to buy additional sacks of charcoal to sell.


Ruby's story

Ruby is 26 years old and married with four children, one of whom is in school. Ruby works very hard to provide for them.

She runs a buy-and-sell charcoal business in the Philippines and requested a PHP 20000 loan through NWTF to buy additional sacks of charcoal to sell. Ruby has been in this business for five years.

She would like to save enough to provide a secure future for her family.


This loan is special because:

It helps this borrower grow their business.

Mark McDonagh, Kiva staff

Mark McDonagh
Kiva staff



Loan details


Lenders and lending teams






Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.

Loan details



Repayment schedule

*This loan is impacted by the COVID-19 crisis and your support is needed more than ever. Repayments may be delayed or lower than expected.