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Update on Erna

Erna is 44 years old, married, and has three children.

Erna works hard to provide for her family. She runs a general store in the Philippines and has requested a PHP 29500 loan through NWTF to buy more bread, soft drinks, rice and other miscellaneous items to sell.

Erna has been in this business for 14 years and has previously received funds through Kiva.

Erna aspires to save enough money so she can afford to send her children to college.

Previous Loan Details

Erna is 43 years old, married, and the mother of three children, two of whom are in school. Erna works very hard to provide for them as the operator of a general store in the Philippines for the past 13 years. Selling a variety of items such as fruits, coffee, powdered milk and other groceries, ... More from Erna's previous loan »

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.

Concurrent and Successive Loans

Our Field Partners often work with borrowers over a series of loans as the borrowers build credit, take out bigger loans, and expand their businesses. In order to make it easier for our Field Partners to post loans for borrowers who have been listed on Kiva before, we allow them to post successive and concurrent loans for their Kiva borrowers. This means that our Field Partners are able to post a borrower's second, third, etc., loan on Kiva without having to re-enter all of the borrower's information.

This borrower has been listed on Kiva before, so you'll see an updated loan description, as well as excerpts of the original descriptions from earlier loans. Most borrowers take out loans consecutively, meaning that they receive a second loan after having repaid the first. However, sometimes our Field Partners give out concurrent loans, allowing borrowers to take out one primary loan and a secondary "add-on" loan along with it. These "add-on" loans are typically smaller than the borrower's primary loan and serve a different purpose. Because Field Partners can now post loans as successive and concurrent loans, you will be able to track borrower progress over time and see the various ways a borrower is working with our Field Partners through funds from Kiva’s lenders.

About Philippines

  • $7,000
    Average annual income
  • 453
    View loans »
    Philippines Loans Fundraising
  • $69,767,475
    Funds lent in using Kiva
  • 41.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $725 helped Erna to buy more bread, soft drinks, rice and other miscellaneous items for her store.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 13, 2012
Dec 19, 2012
Currency Exchange Loss:
Jul 17, 2013
This photo was used before for a previous loan for Erna. It was first posted on Kiva on Jul, 2011. Learn More