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Update on Michelle

Michelle works hard to support her family. She is married and has a general store in the Philippines. Michelle requested a 30,000 PHP loan through NWTF to buy additional items to sell like soap, sugar, coffee, milk, soft drinks, etc. Michelle has been in this business for 15 years now, and also earns additional income from raising pigs. She successfully paid back her previous loan and is now requesting a new loan to further build her general store.

In the future, Michelle would like to save enough money so she can afford to send her children to college. Michelle now resides in Puerto Princesa City, Palawan.

Previous Loan Details

As a married parent of three children, Michelle works hard to support her family. She has a general store business in the Philippines, and also earns additional income from raising pigs. Michelle is borrowing PHP 29,500 through NWTF to buy more stock to sell in her general store business. Mich... More from Michelle'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
  • 493
    View loans »
    Philippines Loans Fundraising
  • $70,831,400
    Funds lent in using Kiva
  • 40.9
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $750 helped Michelle to buy additional items to sell like soap, sugar, coffee, milk, soft drinks, etc.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Apr 8, 2013
May 11, 2013
Currency Exchange Loss:
Aug 17, 2013
This photo was used before for a previous loan for Michelle. It was first posted on Kiva on Oct, 2012. Learn More