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Ma. Ruby is 33 years old and married. She has 2 children.

Ma. Ruby works hard to provide for her family. She runs a sari-sari store in the Philippines and has requested a PHP 12000 loan through NWTF to buy more goods like snack foods, groceries and other miscellaneous items.

Ma. Ruby has borrowed and repaid 5 loans from NWTF before this loan. She has been running the sari-sari store for 3 years and also earns an income from pig fattening.

Ma. Ruby aspires 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
  • 336
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ma.ruby to buy more goods like snack foods, groceries and other miscellaneous items.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Feb 22, 2012
Feb 28, 2012
Currency Exchange Loss:
Dec 15, 2012