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Ruby Ann
Ruby Ann is 22 years old, married, and has one child. She works very hard to provide for her family. Ruby Ann runs a general store in the Philippines and has requested a PHP 12000 loan through NWTF to purchase additional grocery items to sell at her store.

Ruby Ann has been in this business for two years, and she sells a variety of items, such as soap, detergents, canned goods and groceries. Ruby Ann would like to save enough to build and expand her business in the future.

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
  • 484
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 41.2
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $300 helped Ruby Ann to purchase additional grocery items to sell at her store.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 22, 2012
Nov 9, 2012
Currency Exchange Loss:
Nov 17, 2013