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As a married mother of four children, Judith works hard to support her family. She has a sari-sari (general store) and also earns additional income from selling food.

Judith has been sustaining her store through her past nine loans from NWTF. She is now borrowing 19,000 PHP through NWTF to buy more shampoo, groceries, etc. to sell in her sari-sari. Her ambition is that through hard work she will build and expand her businesses to secure the future of 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
  • 318
    View loans »
    Philippines Loans Fundraising
  • $70,624,175
    Funds lent in using Kiva
  • 42.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $450 helped Judith to buy shampoo, groceries, etc. to sell in her sari-sari.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Apr 2, 2012
Apr 30, 2012
Currency Exchange Loss:
Apr 17, 2013