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As a married mother of eleven children, Herminia works hard to support her family.

She has a 'bibingka' (rice cakes) business in the Philippines, and also earns additional income from selling fermented fish ('guinamos'). Herminia is borrowing PHP 15,000 through NWTF to buy ingredients for her 'bibingka' business.

Herminia has been sustaining her business activities through her past seven loans from NWTF. She hopes that her hard work will help her attain her dream: to save enough to provide a secure future 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
  • 528
    View loans »
    Philippines Loans Fundraising
  • $69,869,425
    Funds lent in using Kiva
  • 41.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $375 helped Herminia to buy ingredients for her 'bibingka' making.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Monthly
Pre-Disbursed:
Jun 26, 2012
Listed
Jul 19, 2012
Currency Exchange Loss:
Possible
Ended:
Jan 15, 2013