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Josephine is 46 years old and married, with three children.

Josephine works hard to provide for her family. She runs a general store in the Philippines and has requested a PHP 27,000 loan through Negros Women for Tomorrow Foundation, Inc. (NWTF) to buy more groceries, like canned goods, rice, soft drinks, and beverages.

Josephine has borrowed and repaid five loans from NWTF before this loan. She has been running the general store for seven years and she also earns an income from hog-raising. Josephine aspires to build and expand her business, to secure the future of her family.

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
  • 464
    View loans »
    Philippines Loans Fundraising
  • $69,680,050
    Funds lent in using Kiva
  • 40.7
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $675 helped Josephine to buy more groceries for her store, like canned goods, rice, soft drinks, and beverages.
100% repaid
Repayment Term
11 months (Additional Information)
Repayment Schedule
Jan 24, 2013
Feb 15, 2013
Currency Exchange Loss:
Nov 17, 2013