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Ramon is a hardworking entrepreneur who has a business selling distilled water in the Philippines. He is borrowing 29,500 Philippines pesos (PHP) through NWTF to purchase additional gallons of water to sell.

Ramon has been in this business for five years and he also earns additional income from buying and selling wood. He has been sustaining his business activities through his own efforts with the help of the loans from NWTF. Ramon dreams of saving enough money so he can afford to send his children to college.

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
  • 440
    View loans »
    Philippines Loans Fundraising
  • $69,632,850
    Funds lent in using Kiva
  • 41.4
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Ramon to purchase distilled water to sell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Sep 25, 2012
Oct 29, 2012
Currency Exchange Loss:
Apr 17, 2013