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Elsa is 42 years old and married with four children. With one child in school, Elsa works very hard to provide for them.

Elsa runs a business buying and selling used clothes in the Philippines and requested a PHP 50,000 loan through NWTF to purchase additional bundles of used clothes to sell.

Elsa has been in this business for nine years.

In the future, Elsa would like to save 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
  • 448
    View loans »
    Philippines Loans Fundraising
  • $69,752,500
    Funds lent in using Kiva
  • 42.6
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Elsa to purchase additional bundles of used clothes to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Jul 25, 2011
Sep 2, 2011
Currency Exchange Loss:
Feb 15, 2012