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Update on Melodina

Melodina runs a general store business. She earns additional income from food vending. She and her husband have four children, and they work hard to support the family.

Melodina has been sustaining her business activities through her past nine loans from NWTF. She is now requesting a loan in the amount of PhP 16,000 through NWTF, which she will use to purchase grocery items such as snacks and canned foods to offer for sale in her store.

She hopes that her hard work will help her attain her dream, which is to save enough money to enable her to send her children to college.

Previous Loan Details

Melodina is a married woman with 4 children. She is a very hard working entrepreneur. Melodina is 42 years old and has 1 child who is in school. Melodina has a food vending business in the Philippines. Melodina requested a PHP 16,000 loan through NWTF to buy ingredients for her food production... More from Melodina'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
  • 447
    View loans »
    Philippines Loans Fundraising
  • $69,731,675
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $400 helped Melodina to purchase grocery items such as snacks and canned foods to offer for sale in her store.
100% repaid
Repayment Term
7 months (Additional Information)
Repayment Schedule
Feb 6, 2013
Feb 14, 2013
Currency Exchange Loss:
Aug 17, 2013