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Nera, 36, is a married woman with 4 children — two of them in school. She is a very hard-working entrepreneur. Nera has a water-refilling business in the Philippines and requested a PHP 17,000 loan through NWTF to buy water containers. She has been in this business for six years. In the future, Nera would like to save enough money to send her children to college.

Additional 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
  • 313
    View loans »
    Philippines Loans Fundraising
  • $70,667,050
    Funds lent in using Kiva
  • 43.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Nera to purchase container for her water refilling business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 5, 2011
Apr 21, 2011
Currency Exchange Loss:
Apr 15, 2012