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Elma, 41, is married and has two children who are in school. She is a very hardworking entrepreneur.

Elma has a vegetables vending business in the Philippines. Elma requested a PHP 18,000 loan through NWTF to buy more vegetables for her business.

Elma has been in this business for ten years. In the future, Elma would like to save enough money so she could afford 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
  • 412
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 43.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Elma to buy more vegetables for her business.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Dec 1, 2011
Dec 20, 2011
Currency Exchange Loss:
Dec 15, 2012