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Ruby is 42 years old and married with three children. With 1 child in school, Ruby works very hard to provide for them.

Ruby runs a generals tore in the Philippines and requested a PHP 15,000 loan through NWTF to purchase more stocks to sell.

Ruby has been in this business for 5 years and sells a variety of items such as soft-drinks, rice, canned goods, diapers,etc.

In the future Ruby would like to build and expand her business to secure the future for her family.

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
  • 311
    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 $350 helped Ruby to purchase more stocks to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
May 19, 2011
Jun 9, 2011
Currency Exchange Loss:
Dec 15, 2011