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Emelda is married with four children. She is a very hard-working entrepreneur. Emelda is 44 years old and three of her children are in school.

Emelda has a variety store business in the Philippines. She requested a PHP 11,000 loan amount through NWTF to buy items like shampoo, groceries, etc. to sell in her variety store.

Emelda has been in this business for two years. In the future, Emelda would like to save enough to ensure financial stability for her family.

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
  • 43.0
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $275 helped Emelda to buy items like shampoo, groceries, etc. to sell in her sari-sari (variety) store.
100% repaid
Repayment Term
10 months (Additional Information)
Repayment Schedule
Mar 1, 2012
Mar 31, 2012
Currency Exchange Loss:
Dec 15, 2012