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Shirley is 41 years old and married with four children. All of her children are in school, and she is a very hard working entrepreneur.

Shirley has had a shell crafting business in the Philippines for 13 years. She requested a 10,000 PHP loan through NWTF to buy nylon, string, and shells.

In the future, Shirley would like to save enough money to expand her business and continue to send her children to college.

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
  • 40.8
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $250 helped Shirley to buy nylon, string, and shell.
100% repaid
Repayment Term
8 months (Additional Information)
Repayment Schedule
Dec 14, 2012
Jan 10, 2013
Currency Exchange Loss:
Jul 17, 2013