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Ritchel is a hardworking entrepreneur who has a general store business in the Philippines. She has been in this business for 5 years. Ritchel earns more income from raising pigs.

She is borrowing 13,000 PHP through NWTF to buy additional items like shampoo, canned goods, soap, eggs, spices, etc. to sell in her general store business. Ritchel has been sustaining her business activities through her own efforts with the help of the loans from NWTF. She dreams to save money to 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
  • 307
    View loans »
    Philippines Loans Fundraising
  • $70,616,725
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $325 helped Ritchel to buy additional items to sell like shampoo, canned goods, soap, eggs, spices, etc.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Oct 30, 2012
Nov 13, 2012
Currency Exchange Loss:
Feb 15, 2013