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Gemma is 49 years old, married, and has four children, two of whom are in school.

Gemma is in the agricultural business raising pigs in the Philippines. She requested a PHP 13,000 loan through NWTF to buy feed, medicines, and vaccines for her pigs.

Gemma has been hog-raising for three years now, and has borrowed eleven times in the past from NWTF to sustain her business.

In the future, Gemma would like to save money to expand the 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
  • 329
    View loans »
    Philippines Loans Fundraising
  • $70,648,200
    Funds lent in using Kiva
  • 43.5
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Gemma to buy feed, medicines, and vaccines for her pigs.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
May 10, 2012
May 25, 2012
Currency Exchange Loss:
May 17, 2013