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Emma is married with six children. She is a very hardworking entrepreneur. Emma is 46 years old and has two children who are in school.

Emma has a shells craft business in the Philippines. Emma requested a 50,000 Philippines pesos (PHP) loan amount through NWTF to buy more shells for her shells craft business.

Emma has been in this business for 10 years. In the future, Emma 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
  • 367
    View loans »
    Philippines Loans Fundraising
  • $70,667,525
    Funds lent in using Kiva
  • 43.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $1,175 helped Emma to buy more shells for her shells craft business.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 26, 2011
Nov 23, 2011
Currency Exchange Loss:
May 15, 2012