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Emma is 66 years old and married with ten children. She works hard to provide for her family.

Emma runs a general store in the Philippines, and requested a 17,000 PHP loan through NWTF to buy additional items to sell such as canned goods, snack foods, soap, and eggs.

Emma has borrowed and repaid three loans from NWTF prior to this loan. She has been running the general store for five years, and also earns income from raising pigs.

Emma aspires to save money and expand her 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
  • 438
    View loans »
    Philippines Loans Fundraising
  • $69,730,950
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $425 helped Emma to buy additional items to sell like canned goods, snack foods, soap, and eggs.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Oct 29, 2012
Nov 20, 2012
Currency Exchange Loss:
Aug 17, 2013