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Pacencia, age 60, is a widow who has had five children, the youngest of whom is still of schooling age and enrolled in school. Pacencia works very hard to provide for the family. She runs a sari-sari (general store) business, and has requested a PHP 30,000 loan through NWTF to purchase additional stocks of groceries to sell in her store.

Pacencia has been in this business for 38 years and sells a variety of items such as soy sauce, oil, bread, shampoo, and canned goods.

In the future, Pacencia would like to save enough money to expand her business.

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
  • 360
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 42.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Pacencia to purchase items such as soy sauce, oil, bread, shampoo, and canned goods to offer for sale.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Jul 12, 2011
Aug 4, 2011
Currency Exchange Loss:
Jul 15, 2012