Joy, age 33, runs a general store business to earn an income. She lives with her husband and their two children in Bayawan, Negros Oriental, and she works hard to provide for her family. She has been running her store for eight years and earns an additional income from farming peanuts, corn, and rice, as well as raising livestock.
Joy has borrowed and repaid two prior loans from NWTF. She is presently requesting a PhP 15,000 loan through NWTF, which she will use to purchase additional stock items such as bread, snack foods, canned goods, and cooking oil to sell in her general store.
Joy's aspiration is to save enough money to be able to afford to send her children to college.
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.