A loan of $375 helped to buy items like shampoo and groceries, to sell in her store.


Gemma's story

Gemma works hard to support her family. She has a sari-sari (convenience) store business in the Philippines, and she earns additional income from farming rice and corn. Gemma is borrowing PHP 15,000 through NWTF to buy items like shampoo and groceries, to sell in her store.

Gemma has been sustaining her business activities through her past 2 loans from NWTF, and more recently, from Kiva lenders. She hopes that her hard work will help her attain her dream -- to save enough to provide a secure future for her family.



Loan details


Lenders and lending teams



Loan details